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You got a bit of time off work at the moment? Are you on your off week or fly back today. Alright. Well, thank you for spending a bit of time with me this morning. I'm just gonna go through the portfolio updates with you today. Do you mind if I just go through that quick security check with you? Perfect. So calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Sensational. Now, Matt, I've been going through your file this morning. We I had you booked in a couple of weeks ago, but then I went on a bit of paternity leave. And I just wanted to thank you. Thank you, mate. Number three, got the the daughter here now for the two boys. So if I am a little bit slower in my words, I've had a decent amount of sleep. But if you need me to repeat anything, just let me know. Okay? Cool. Now going through a few things, earlier in the year, you had a conversation with Carl about keeping a flag on your portfolio for Netwealth for one of the investment options that wasn't doing too well. The rest of them all doing pretty good. But do you remember that Benelon option that he flagged with you? So I've been having a look at that one today. It hasn't really come back the way it should have the last three months because most of the Australian shares have kind of picked back up a little bit since that market drop. So I wanted to talk to you today about getting a bit of a replacement going for that one. Have you logged on to Netwealth the last six months or so? No. That's okay. So you're sitting up to 267,100 today. Most of the investment options picked up really well since that market drop in February and March, and they've all jumped up double digits. So everything is looking pretty good. It's just that one option that's still in the negative where most Australian options have been growing again. This one's still just dragging its feet a little bit too slowly, if that makes sense. So what I wanted to ask you today, just because it has been a little while, I'm gonna double check just a couple of details at the end. But I wanna do a bit of a portfolio update with you just to make sure everything's kind of rebalanced, all the options are in the correct weightings, and things like that. Matt, do you have a bit of a preference at all between going for kind of low fee investments that follow the market versus paying a bit extra to try and get a higher return? Do you have a strong leaning either way? Cool. I've already done some research on some replacement options before I went on leave just with our investment committee. So I can pretty much get a replacement like for like. Similar style is just gonna be a little bit cheaper, a little bit better performing for that option. While I'm at it, do you mind if I just look through the rest of the portfolio and see if there's a few other options I'd like to update? Perfect. Perfect. Perfect. Just going through a couple things with you as well. I'm just gonna touch on the insurances because policy anniversaries and the like. Have you had any changes with the income? I think we had you on a 133,000. Yep. So it's still flowing through. I'll probably notice that in the next contribution next month. I'll put down $1.36 for now. Okay. I did see the frequency changed, which was good because it means, I think are you paid monthly Fortnightly. Yep. Okay. So they did do something with the contributions where there was some larger amounts coming in slower. Now they're coming in a bit quicker. And then when the new legislation kicks in, they'll be paying it fortnightly, which means it'll come in a lot faster and it will average out through the year. That's gonna be a lot better for your investments as well. So it just means it gets to buy more frequently. So I'll put $1.36 in for now. Now with the change in descriptions and duties, what can I put down just for the occupation title and duties? Yep. There's always lists. Service crew is fine, but anything in terms of daily duties you can give me helps me kind of explain it, and then they tell us which category it links closer to. Yep. Perfect. Mate, that matches pretty close to what I had before. I guess I've just updated contracts and the like, have they? Yep. And is that still with Newmont? Yep. Sensational. Alright. So I've updated that. That's cool. I just wanted to check that because of the income protection. Do you know I'm gonna send through your certificate of currency so you've got your insurance policies handy. And, of course, anything ever happens, you just give us a call, and we'll launch a claim and help you through the claims process. But you're paying, like, a small amount monthly through the credit card for that extra definition for the income protection if that rings a bell. So because the cover amount is 8 triple 9 per month, so $9 flat, that's usually got you at that sort of 75% of the income, which with your income just jumping up a bit kinda gets it close because they increase your cover every year. It's like a cheap way of getting more cover, but it does increase the premiums. So I was just worried that you might be a bit over insured. You might be a touch. You might be a touch. So if I work it off $1.36 just bear with me for two secs. Yeah. You probably your max should be 8,500, not 8,900. So I might look at a quick little trim down for that. Are you expecting some more increases? Yep. Yeah. It kinda does too. So in terms of, like would you call it, like, a bonus or an overtime, or is it more like allowances? Balances. Yep. Cool. Alright. Yeah. It was quarterly before. So your tax return, you'd be on what? Like, well over one one forty, one fifty at least. It's running a week off. $1.53. Perfect. So that means that if you were to go to claim, they would work it off the $1.53 plus what they're expecting for the next week, and they would do the percentage off of that. So you're you're totally fine there. Alrighty. So that's perfect. Just quickly on the life and TPD, 1.2 mil of life insurance total disability lump sums, which last check I did with the mortgage, we had you at $460,000 owing. Have you had any changes in the assets and liabilities? While you're doing that, I might do a quick online evaluation for Todd Crescent. Reckon $775,000 value sounds about right. Fantastic. Yep. Yeah. Oh, not bad at all. One 50 in the offset against that. I think the only other assets we had was, like, car tools, home, and offset account savings. Is that pretty much it for assets? Yep. And there was a bit of a note, and I apologize if this is a bit old. New system, I'm just cross referencing the info about starting a bit of a forklift business at some point. Was that really old, or is that still current? Yep. K. And the twelve months. Three directors. And so employment wise, it all just it's all just getting paid through Newmont? Do you does it flow through your company at all, or is it just coming to you in terms of wages and that's it? Yep. Yeah. You're still in the first few years. Yep. Okay. That's easy done. So I'll leave that off to the side, make a quick note of it. So in terms of those lump sums, if you get the let's say you hurt your back out of work and they're like, mate, you're not going back to work, you get your 1.2 mil, you get your income protection kicking in after that, mortgages paid off, and you've got about eight years worth of net income replaced. How's that sort of sounding for you and the family in terms of that, what that looks like for for Manny and the kids? K. So I'll leave those alone, and I don't think you've got, like, trauma insurance for heart attack, stroke, and cancer. That's the one that's out of pocket only. Do you want me to get a quote for that or just leave it as life TBD income protection? I'm gonna have a quick double check. We've got the split income protection there. No. Sorry. You are right. It was underneath your income protection definition for a 109,000. That's 54 a month. The income protection's 10 a month. So is that is that amount still okay? I know the premiums jumped up a little bit. K. Yep. And, again, that's mainly, like gives your partner some time to, like, take time off work or whatever's need be to to be alongside you. If you have that cancer diagnosis, you go hunt around for your best doctors. You guys relax together for a few months and get it sorted kind of thing. Anything more serious. And if you're off work because of it, income protection kicks in. If something permanent happens, there's your TPD. There's your life insurance. Cool. So I won't make any alterations to the cover. It will just be the portfolio at the moment. Do you want me to put any comparisons in for, like, salary sacrifice or any additional contributions for the financial year into super? Is there another priority we need to take into account in terms of the mortgage or any other cash flow priorities for the business and things? Yep. Yep. Yep. That's a good idea. One of the things you can do is lump sums after the financial year gets to the end of next financial year. Like, one of the strategies some people do is they keep it in their offset for that eleven months, offset the mortgage, and then maybe dump a bit into super during next year. I probably wouldn't be rushing to put anything in as soon as you get it kind of thing because you can get a bit of a double benefit from it. Yeah. So you've got your nonconcessionals and your concessionals. They've increased the concessionals to 32 and a half thousand. So what work puts in, you can do another 500 a fortnight safely enough without breaching the cap in terms of ongoing. And then lump sums, you've got heaps of room to do anything you haven't used the last five years, but that's something I'll probably talk to you about in about ten ten months' time if it becomes necessary. In terms of the regulars, do you want me to put any kind of projection in there for 100 a fortnight, 200, 500 a fortnight, anything that you can afford to to put in there without missing? Yep. K. 200 a fortnight. In terms of the goals themselves, so I'm just looking at retirement age. You've still got a little while to go. We were looking at as early as possible, like 65 being the minimum, $8.60 being the ideal on that kind of mortgage paid off 75,000 a year tax free. Does that still sound about the the idea is just get as much in there as quick as possible? Cool. So I'll do the usual, like, ten year projection update. For now, when we get a bit closer to retirement, I'll do a bit more of an analysis because, obviously, I can't project out thirty, forty years right now. But as we get closer and closer, we then start to check whether you're gonna be on track for the goal, how long is it gonna last. Is there anything else on the cards for you guys the next few years? Because we've got the super, the coverage, the business, the work, the mortgage. It's quite a bit on the plate. Is there anything else that you're working on? Yep. Building investment property. Is that more like a twelve months or wouldn't have a clue on figures come back to that in a couple years kind of thing? Yep. Yeah. Cool. You reckon it's a good area to to pick something up for you guys? Perfect. When we get a bit closer down the line, we'll obviously talk about any finalized changes in terms of the budgets and taxes and all that kind of thing. So once something actually gets across the line and is in force, I'll I'll let you know in the next catch up what that might affect in terms of building. But building new is pretty much your safest bet anyway, even with everything they originally talked about. Yep. Exactly right. So that's pretty cool. Alright. So we've got plenty in terms of the goals there. Just quickly on a couple of details to update. I had in terms of dependents, you've got your son and three stepdaughters. Is that still current dependents? Yep. Alright. So all independent except for the sun. Fantastic. Alrighty. Estate planning wise, did you end up getting, like, a will in place or anything like that? Cool. Do you want me to send any forms for beneficiary updates? What's your preference? Is it just to go to money? Yep. Perfect. So one thing that I won't I've actually been talking to people about for, like, the last twelve years quite a lot is testamentary trust wills where your first port of call is, let's say, your super, your life insurance, your house all goes to your partner. One thing that you can do is establish through the will, like, a trust fund for the kids, and that can show, you know, how you want funds distributed out, but they may actually be falling into some of these new tax rules for trust funds. So I wouldn't jump on that right now. It's a few thousand dollars, and they may be changing the rules on them. But just that basic will even, you know, from the post office, they're legal, solicitor, courthouse. There's a few different ways to get the basic one set up. Cool. So I'll double check, make sure we've got all the forms ready to go for the super and the life insurance. I'll double check what's in place. You do have an option for the beneficiary nominations to expire every three years or just have it ongoing? Up to you. Yep. And bit of a silly question, but you can choose for it to be nonlegally binding. So the super fund has discretion or make it legally binding. They have to do it. Yep. Easy done. So we just call that a binding non lapsing, and that's one of the tick boxes on the form. Do you want me to grab Manny's date of birth now and pre fill the forms, or are you okay just filling in when we flick them through to you? Yeah. Go for it. So I've got, obviously, same address. Right? Yep. Full name would be Manny Scobey. Is it now Claire, c l a I r e r e, and then Scobie, s c o b I e. Perfect. And date of birth? Date of birth 1973. Cool. So I'll just prefill that your details, the accounts, policies, her details in there. You've basically just got to sign and get two witnesses that aren't money just to do it on the same day or same date. Cool. Alrighty. Mate, I've got a pretty good idea of updating a bit of a plan for you. Any questions so far? Cool. Cool. One thing I will do as well, if it's okay with you, is I was gonna send you out a bit of an updated service agreement just because the last one expired before Christmas time. But we're moving over to a new fee structure in a couple of weeks, which basically sees that because you're sitting at 267,000, everyone above 200,000 goes down from 1.65% to 1.375, and we've we're including a bit of a tiering now. So instead of one point six five all the way along, it drops after 200,000, drops again after 500,000, drops again after a million. So if you're okay to just kind of hold tight for a week, I would prefer to put you on one of the new ones if that's okay with you, and I'll get the plan together at the same time. Cool. So I won't send you anything today. I will send through, like, your certificates of currency for the insurance performance update from Netwealth. But what I'll basically do is I'll put together the new plan with the updates for the investments. We'll include all the new agreements and packs and everything all on the one go. Beauty. Is there anything I haven't covered for you today? Cool. If there's anything else, I'll get the team to reach out to you. But, basically, we will pretty much give you a call in a fortnight just to go through that plan together. I've just gotta put it together, and I've had a few people book in already while I was on leave, so we'll give you a buzz in about two weeks. What's your availability like, like, when are you in and out of town? Two and two? Oh, amazing. Week and one week off school holidays. Back for three. Awesome. So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next next stint. Beautiful. Alright, Matt. Thank you so much for your time today. I know you're about to fly off, so I don't wanna keep you for too long when you've got some things you wanna do. Is there anything else I can help you with before I let you go? Awesome, mate. I will I'll get stuck into it and talk to you in a couple of weeks. Thank you, mate. Have a great day. Cheers. 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day, Matt. It's Tommy here, senior adviser from Oakview. How are you going today? Mate, living the dream. It's been a beautiful first day back.\n\nHow's the weather your way? Cool. Cool. You got a bit of time off work at the moment? Are you on your off week or fly back today.\n\nAlright. Well, thank you for spending a bit of time with me this morning. I'm just gonna go through the portfolio updates with you today. Do you mind if I just go through that quick security check with you? Perfect.\n\nSo calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Sensational. Now, Matt, I've been going through your file this morning.\n\nWe I had you booked in a couple of weeks ago, but then I went on a bit of paternity leave. And I just wanted to thank you. Thank you, mate. Number three, got the the daughter here now for the two boys. So if I am a little bit slower in my words, I've had a decent amount of sleep.\n\nBut if you need me to repeat anything, just let me know. Okay? Cool. Now going through a few things, earlier in the year, you had a conversation with Carl about keeping a flag on your portfolio for Netwealth for one of the investment options that wasn't doing too well. The rest of them all doing pretty good.\n\nBut do you remember that Benelon option that he flagged with you? So I've been having a look at that one today. It hasn't really come back the way it should have the last three months because most of the Australian shares have kind of picked back up a little bit since that market drop. So I wanted to talk to you today about getting a bit of a replacement going for that one. Have you logged on to Netwealth the last six months or so?\n\nNo. That's okay. So you're sitting up to 267,100 today. Most of the investment options picked up really well since that market drop in February and March, and they've all jumped up double digits. So everything is looking pretty good.\n\nIt's just that one option that's still in the negative where most Australian options have been growing again. This one's still just dragging its feet a little bit too slowly, if that makes sense. So what I wanted to ask you today, just because it has been a little while, I'm gonna double check just a couple of details at the end. But I wanna do a bit of a portfolio update with you just to make sure everything's kind of rebalanced, all the options are in the correct weightings, and things like that. Matt, do you have a bit of a preference at all between going for kind of low fee investments that follow the market versus paying a bit extra to try and get a higher return?\n\nDo you have a strong leaning either way? Cool. I've already done some research on some replacement options before I went on leave just with our investment committee. So I can pretty much get a replacement like for like. Similar style is just gonna be a little bit cheaper, a little bit better performing for that option.\n\nWhile I'm at it, do you mind if I just look through the rest of the portfolio and see if there's a few other options I'd like to update? Perfect. Perfect. Perfect. Just going through a couple things with you as well.\n\nI'm just gonna touch on the insurances because policy anniversaries and the like. Have you had any changes with the income? I think we had you on a 133,000. Yep. So it's still flowing through.\n\nI'll probably notice that in the next contribution next month. I'll put down $1.36 for now. Okay. I did see the frequency changed, which was good because it means, I think are you paid monthly Fortnightly. Yep.\n\nOkay. So they did do something with the contributions where there was some larger amounts coming in slower. Now they're coming in a bit quicker. And then when the new legislation kicks in, they'll be paying it fortnightly, which means it'll come in a lot faster and it will average out through the year. That's gonna be a lot better for your investments as well.\n\nSo it just means it gets to buy more frequently. So I'll put $1.36 in for now. Now with the change in descriptions and duties, what can I put down just for the occupation title and duties? Yep. There's always lists.\n\nService crew is fine, but anything in terms of daily duties you can give me helps me kind of explain it, and then they tell us which category it links closer to. Yep. Perfect. Mate, that matches pretty close to what I had before. I guess I've just updated contracts and the like, have they?\n\nYep. And is that still with Newmont? Yep. Sensational. Alright.\n\nSo I've updated that. That's cool. I just wanted to check that because of the income protection. Do you know I'm gonna send through your certificate of currency so you've got your insurance policies handy. And, of course, anything ever happens, you just give us a call, and we'll launch a claim and help you through the claims process.\n\nBut you're paying, like, a small amount monthly through the credit card for that extra definition for the income protection if that rings a bell. So because the cover amount is 8 triple 9 per month, so $9 flat, that's usually got you at that sort of 75% of the income, which with your income just jumping up a bit kinda gets it close because they increase your cover every year. It's like a cheap way of getting more cover, but it does increase the premiums. So I was just worried that you might be a bit over insured. You might be a touch.\n\nYou might be a touch. So if I work it off $1.36 just bear with me for two secs. Yeah. You probably your max should be 8,500, not 8,900. So I might look at a quick little trim down for that.\n\nAre you expecting some more increases? Yep. Yeah. It kinda does too. So in terms of, like would you call it, like, a bonus or an overtime, or is it more like allowances?\n\nBalances. Yep. Cool. Alright. Yeah.\n\nIt was quarterly before. So your tax return, you'd be on what? Like, well over one one forty, one fifty at least. It's running a week off. $1.53.\n\nPerfect. So that means that if you were to go to claim, they would work it off the $1.53 plus what they're expecting for the next week, and they would do the percentage off of that. So you're you're totally fine there. Alrighty. So that's perfect.\n\nJust quickly on the life and TPD, 1.2 mil of life insurance total disability lump sums, which last check I did with the mortgage, we had you at $460,000 owing. Have you had any changes in the assets and liabilities? While you're doing that, I might do a quick online evaluation for Todd Crescent. Reckon $775,000 value sounds about right. Fantastic.\n\nYep. Yeah. Oh, not bad at all. One 50 in the offset against that. I think the only other assets we had was, like, car tools, home, and offset account savings.\n\nIs that pretty much it for assets? Yep. And there was a bit of a note, and I apologize if this is a bit old. New system, I'm just cross referencing the info about starting a bit of a forklift business at some point. Was that really old, or is that still current?\n\nYep. K. And the twelve months. Three directors. And so employment wise, it all just it's all just getting paid through Newmont?\n\nDo you does it flow through your company at all, or is it just coming to you in terms of wages and that's it? Yep. Yeah. You're still in the first few years. Yep.\n\nOkay. That's easy done. So I'll leave that off to the side, make a quick note of it. So in terms of those lump sums, if you get the let's say you hurt your back out of work and they're like, mate, you're not going back to work, you get your 1.2 mil, you get your income protection kicking in after that, mortgages paid off, and you've got about eight years worth of net income replaced. How's that sort of sounding for you and the family in terms of that, what that looks like for for Manny and the kids?\n\nK. So I'll leave those alone, and I don't think you've got, like, trauma insurance for heart attack, stroke, and cancer. That's the one that's out of pocket only. Do you want me to get a quote for that or just leave it as life TBD income protection? I'm gonna have a quick double check.\n\nWe've got the split income protection there. No. Sorry. You are right. It was underneath your income protection definition for a 109,000.\n\nThat's 54 a month. The income protection's 10 a month. So is that is that amount still okay? I know the premiums jumped up a little bit. K.\n\nYep. And, again, that's mainly, like gives your partner some time to, like, take time off work or whatever's need be to to be alongside you. If you have that cancer diagnosis, you go hunt around for your best doctors. You guys relax together for a few months and get it sorted kind of thing. Anything more serious.\n\nAnd if you're off work because of it, income protection kicks in. If something permanent happens, there's your TPD. There's your life insurance. Cool. So I won't make any alterations to the cover.\n\nIt will just be the portfolio at the moment. Do you want me to put any comparisons in for, like, salary sacrifice or any additional contributions for the financial year into super? Is there another priority we need to take into account in terms of the mortgage or any other cash flow priorities for the business and things? Yep. Yep.\n\nYep. That's a good idea. One of the things you can do is lump sums after the financial year gets to the end of next financial year. Like, one of the strategies some people do is they keep it in their offset for that eleven months, offset the mortgage, and then maybe dump a bit into super during next year. I probably wouldn't be rushing to put anything in as soon as you get it kind of thing because you can get a bit of a double benefit from it.\n\nYeah. So you've got your nonconcessionals and your concessionals. They've increased the concessionals to 32 and a half thousand. So what work puts in, you can do another 500 a fortnight safely enough without breaching the cap in terms of ongoing. And then lump sums, you've got heaps of room to do anything you haven't used the last five years, but that's something I'll probably talk to you about in about ten ten months' time if it becomes necessary.\n\nIn terms of the regulars, do you want me to put any kind of projection in there for 100 a fortnight, 200, 500 a fortnight, anything that you can afford to to put in there without missing? Yep. K. 200 a fortnight. In terms of the goals themselves, so I'm just looking at retirement age.\n\nYou've still got a little while to go. We were looking at as early as possible, like 65 being the minimum, $8.60 being the ideal on that kind of mortgage paid off 75,000 a year tax free. Does that still sound about the the idea is just get as much in there as quick as possible? Cool. So I'll do the usual, like, ten year projection update.\n\nFor now, when we get a bit closer to retirement, I'll do a bit more of an analysis because, obviously, I can't project out thirty, forty years right now. But as we get closer and closer, we then start to check whether you're gonna be on track for the goal, how long is it gonna last. Is there anything else on the cards for you guys the next few years? Because we've got the super, the coverage, the business, the work, the mortgage. It's quite a bit on the plate.\n\nIs there anything else that you're working on? Yep. Building investment property. Is that more like a twelve months or wouldn't have a clue on figures come back to that in a couple years kind of thing? Yep.\n\nYeah. Cool. You reckon it's a good area to to pick something up for you guys? Perfect. When we get a bit closer down the line, we'll obviously talk about any finalized changes in terms of the budgets and taxes and all that kind of thing.\n\nSo once something actually gets across the line and is in force, I'll I'll let you know in the next catch up what that might affect in terms of building. But building new is pretty much your safest bet anyway, even with everything they originally talked about. Yep. Exactly right. So that's pretty cool.\n\nAlright. So we've got plenty in terms of the goals there. Just quickly on a couple of details to update. I had in terms of dependents, you've got your son and three stepdaughters. Is that still current dependents?\n\nYep. Alright. So all independent except for the sun. Fantastic. Alrighty.\n\nEstate planning wise, did you end up getting, like, a will in place or anything like that? Cool. Do you want me to send any forms for beneficiary updates? What's your preference? Is it just to go to money?\n\nYep. Perfect. So one thing that I won't I've actually been talking to people about for, like, the last twelve years quite a lot is testamentary trust wills where your first port of call is, let's say, your super, your life insurance, your house all goes to your partner. One thing that you can do is establish through the will, like, a trust fund for the kids, and that can show, you know, how you want funds distributed out, but they may actually be falling into some of these new tax rules for trust funds. So I wouldn't jump on that right now.\n\nIt's a few thousand dollars, and they may be changing the rules on them. But just that basic will even, you know, from the post office, they're legal, solicitor, courthouse. There's a few different ways to get the basic one set up. Cool. So I'll double check, make sure we've got all the forms ready to go for the super and the life insurance.\n\nI'll double check what's in place. You do have an option for the beneficiary nominations to expire every three years or just have it ongoing? Up to you. Yep. And bit of a silly question, but you can choose for it to be nonlegally binding.\n\nSo the super fund has discretion or make it legally binding. They have to do it. Yep. Easy done. So we just call that a binding non lapsing, and that's one of the tick boxes on the form.\n\nDo you want me to grab Manny's date of birth now and pre fill the forms, or are you okay just filling in when we flick them through to you? Yeah. Go for it. So I've got, obviously, same address. Right?\n\nYep. Full name would be Manny Scobey. Is it now Claire, c l a I r e r e, and then Scobie, s c o b I e. Perfect. And date of birth?\n\nDate of birth 1973. Cool. So I'll just prefill that your details, the accounts, policies, her details in there. You've basically just got to sign and get two witnesses that aren't money just to do it on the same day or same date. Cool.\n\nAlrighty. Mate, I've got a pretty good idea of updating a bit of a plan for you. Any questions so far? Cool. Cool.\n\nOne thing I will do as well, if it's okay with you, is I was gonna send you out a bit of an updated service agreement just because the last one expired before Christmas time. But we're moving over to a new fee structure in a couple of weeks, which basically sees that because you're sitting at 267,000, everyone above 200,000 goes down from 1.65% to 1.375, and we've we're including a bit of a tiering now. So instead of one point six five all the way along, it drops after 200,000, drops again after 500,000, drops again after a million. So if you're okay to just kind of hold tight for a week, I would prefer to put you on one of the new ones if that's okay with you, and I'll get the plan together at the same time. Cool.\n\nSo I won't send you anything today. I will send through, like, your certificates of currency for the insurance performance update from Netwealth. But what I'll basically do is I'll put together the new plan with the updates for the investments. We'll include all the new agreements and packs and everything all on the one go. Beauty.\n\nIs there anything I haven't covered for you today? Cool. If there's anything else, I'll get the team to reach out to you. But, basically, we will pretty much give you a call in a fortnight just to go through that plan together. I've just gotta put it together, and I've had a few people book in already while I was on leave, so we'll give you a buzz in about two weeks.\n\nWhat's your availability like, like, when are you in and out of town? Two and two? Oh, amazing. Week and one week off school holidays. Back for three.\n\nAwesome. So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next next stint. Beautiful. Alright, Matt. Thank you so much for your time today.\n\nI know you're about to fly off, so I don't wanna keep you for too long when you've got some things you wanna do. Is there anything else I can help you with before I let you go? Awesome, mate. I will I'll get stuck into it and talk to you in a couple of weeks. Thank you, mate.\n\nHave a great day. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Matt.","start":3.28,"end":3.9199998,"sentiment":"positive","sentiment_score":0.3863745133082072},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.9199998,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.22682115861347743},{"text":"How are you going today?","start":5.7599998,"end":6.74,"sentiment":"neutral","sentiment_score":0.2296918660402298},{"text":"Mate, living the dream.","start":8.4,"end":9.28,"sentiment":"positive","sentiment_score":0.5009299367666245},{"text":"It's been a beautiful first day back.","start":9.28,"end":11.139999,"sentiment":"positive","sentiment_score":0.7063168116978237}],"sentiment":"positive","sentiment_score":0.41704878497582215,"num_words":26,"start":3.28,"end":11.139999},{"sentences":[{"text":"How's the weather your way?","start":11.44,"end":12.735,"sentiment":"neutral","sentiment_score":0.31327959299087527},{"text":"Cool.","start":15.054999,"end":15.295,"sentiment":"positive","sentiment_score":0.3446670174598694},{"text":"Cool.","start":15.295,"end":15.375,"sentiment":"neutral","sentiment_score":0.13688373565673828},{"text":"You got a bit of time off work at the moment?","start":15.375,"end":17.135,"sentiment":"neutral","sentiment_score":-0.020014554346826943},{"text":"Are you on your off week or fly back today.","start":17.135,"end":21.294998,"sentiment":"neutral","sentiment_score":-0.007645994937047362}],"sentiment":"neutral","sentiment_score":0.06254745253162193,"num_words":28,"start":11.44,"end":21.294998},{"sentences":[{"text":"Alright.","start":21.294998,"end":21.615,"sentiment":"neutral","sentiment_score":0.09732811152935028},{"text":"Well, thank you for spending a bit of time with me this morning.","start":21.615,"end":24.035,"sentiment":"neutral","sentiment_score":0.28657620342878193},{"text":"I'm just gonna go through the portfolio updates with you today.","start":24.654999,"end":27.78,"sentiment":"neutral","sentiment_score":0.16318801519545642},{"text":"Do you mind if I just go through that quick security check with you?","start":27.78,"end":32.5,"sentiment":"neutral","sentiment_score":0.031845862445022376},{"text":"Perfect.","start":32.5,"end":32.9,"sentiment":"neutral","sentiment_score":0.1430606245994568}],"sentiment":"neutral","sentiment_score":0.15516974055208266,"num_words":40,"start":21.294998,"end":32.9},{"sentences":[{"text":"So calls are recorded for training and quality purposes.","start":32.9,"end":35.88,"sentiment":"neutral","sentiment_score":0.04664380227526029},{"text":"I'm registered with ASIC as adviser 1273105.","start":36.260002,"end":40.120003,"sentiment":"neutral","sentiment_score":0.04782111942768097},{"text":"Could you please confirm your date of birth and address?","start":40.18,"end":42.760002,"sentiment":"neutral","sentiment_score":0.02962599080055952},{"text":"Sensational.","start":47.445,"end":47.945,"sentiment":"neutral","sentiment_score":-0.0743613988161087},{"text":"Now, Matt, I've been going through your file this morning.","start":48.245,"end":50.885,"sentiment":"neutral","sentiment_score":0.006466424837708473}],"sentiment":"neutral","sentiment_score":0.02813796794696434,"num_words":37,"start":32.9,"end":50.885},{"sentences":[{"text":"We I had you booked in a couple of weeks ago, but then I went on a bit of paternity leave.","start":50.885,"end":55.144997,"sentiment":"neutral","sentiment_score":-0.020165745967200825},{"text":"And I just wanted to thank you.","start":55.284996,"end":57.95,"sentiment":"neutral","sentiment_score":0.21791834543858254},{"text":"Thank you, mate.","start":57.95,"end":58.59,"sentiment":"neutral","sentiment_score":0.20117961366971335},{"text":"Number three, got the the daughter here now for the two boys.","start":58.59,"end":62.210003,"sentiment":"neutral","sentiment_score":0.07939192901055019},{"text":"So if I am a little bit slower in my words, I've had a decent amount of sleep.","start":62.75,"end":66.11,"sentiment":"neutral","sentiment_score":-0.0695406405462159}],"sentiment":"neutral","sentiment_score":0.02305669200102814,"num_words":61,"start":50.885,"end":66.11},{"sentences":[{"text":"But if you need me to repeat anything, just let me know.","start":66.11,"end":68.43,"sentiment":"neutral","sentiment_score":-0.015660892861584823},{"text":"Okay?","start":68.43,"end":68.93,"sentiment":"neutral","sentiment_score":-0.01135946623980999},{"text":"Cool.","start":70.685,"end":71.165,"sentiment":"neutral","sentiment_score":0.046276357024908066},{"text":"Now going through a few things, earlier in the year, you had a conversation with Carl about keeping a flag on your portfolio for Netwealth for one of the investment options that wasn't doing too well.","start":71.165,"end":81.725,"sentiment":"neutral","sentiment_score":-0.015159075510584645},{"text":"The rest of them all doing pretty good.","start":81.725,"end":83.37,"sentiment":"neutral","sentiment_score":0.12268084287643433}],"sentiment":"neutral","sentiment_score":0.004874244846146682,"num_words":58,"start":66.11,"end":83.37},{"sentences":[{"text":"But do you remember that Benelon option that he flagged with you?","start":83.450005,"end":86.19,"sentiment":"neutral","sentiment_score":0.004902560341482361},{"text":"So I've been having a look at that one today.","start":88.170006,"end":90.270004,"sentiment":"neutral","sentiment_score":0.0028984446078538896},{"text":"It hasn't really come back the way it should have the last three months because most of the Australian shares have kind of picked back up a little bit since that market drop.","start":90.65,"end":98.895,"sentiment":"neutral","sentiment_score":-0.0914233692667701},{"text":"So I wanted to talk to you today about getting a bit of a replacement going for that one.","start":99.215,"end":103.795,"sentiment":"neutral","sentiment_score":0.048602775474520105},{"text":"Have you logged on to Netwealth the last six months or so?","start":103.935,"end":107.395,"sentiment":"neutral","sentiment_score":0.004425039631314576}],"sentiment":"neutral","sentiment_score":-0.022704683791109643,"num_words":86,"start":83.450005,"end":107.395},{"sentences":[{"text":"No.","start":112.83,"end":112.91,"sentiment":"neutral","sentiment_score":-0.05760063976049423},{"text":"That's okay.","start":112.91,"end":113.47,"sentiment":"neutral","sentiment_score":0.06057858094573021},{"text":"So you're sitting up to 267,100 today.","start":113.47,"end":117.73,"sentiment":"neutral","sentiment_score":0.1904800214937755},{"text":"Most of the investment options picked up really well since that market drop in February and March, and they've all jumped up double digits.","start":118.91,"end":125.490005,"sentiment":"positive","sentiment_score":0.36239523347467184},{"text":"So everything is looking pretty good.","start":126.005,"end":127.524994,"sentiment":"positive","sentiment_score":0.598332424958547}],"sentiment":"positive","sentiment_score":0.34210992064327,"num_words":40,"start":112.83,"end":127.524994},{"sentences":[{"text":"It's just that one option that's still in the negative where most Australian options have been growing again.","start":127.524994,"end":133.145,"sentiment":"negative","sentiment_score":-0.4214945286512375},{"text":"This one's still just dragging its feet a little bit too slowly, if that makes sense.","start":133.205,"end":137.305,"sentiment":"negative","sentiment_score":-0.44629284739494324},{"text":"So what I wanted to ask you today, just because it has been a little while, I'm gonna double check just a couple of details at the end.","start":138.66,"end":143.72,"sentiment":"neutral","sentiment_score":0.020212391657488688},{"text":"But I wanna do a bit of a portfolio update with you just to make sure everything's kind of rebalanced, all the options are in the correct weightings, and things like that.","start":143.86,"end":153.08,"sentiment":"neutral","sentiment_score":0.11349832580890507},{"text":"Matt, do you have a bit of a preference at all between going for kind of low fee investments that follow the market versus paying a bit extra to try and get a higher return?","start":153.41501,"end":164.13501,"sentiment":"neutral","sentiment_score":0.03938547298312187}],"sentiment":"neutral","sentiment_score":-0.07093955137470896,"num_words":129,"start":127.524994,"end":164.13501},{"sentences":[{"text":"Do you have a strong leaning either way?","start":164.13501,"end":166.05,"sentiment":"neutral","sentiment_score":-0.007447714073350653},{"text":"Cool.","start":169.01001,"end":169.51001,"sentiment":"neutral","sentiment_score":0.08269147574901581},{"text":"I've already done some research on some replacement options before I went on leave just with our investment committee.","start":169.81,"end":175.19,"sentiment":"neutral","sentiment_score":0.0885936088467899},{"text":"So I can pretty much get a replacement like for like.","start":175.49,"end":179.75,"sentiment":"neutral","sentiment_score":0.12554194100878455},{"text":"Similar style is just gonna be a little bit cheaper, a little bit better performing for that option.","start":180.015,"end":184.355,"sentiment":"neutral","sentiment_score":0.12626651757293278}],"sentiment":"neutral","sentiment_score":0.09403766664316911,"num_words":57,"start":164.13501,"end":184.355},{"sentences":[{"text":"While I'm at it, do you mind if I just look through the rest of the portfolio and see if there's a few other options I'd like to update?","start":184.81499,"end":190.275,"sentiment":"neutral","sentiment_score":-0.00823585634473069},{"text":"Perfect.","start":192.26999,"end":192.59,"sentiment":"neutral","sentiment_score":0.23626425862312317},{"text":"Perfect.","start":192.59,"end":192.90999,"sentiment":"neutral","sentiment_score":0.26088327169418335},{"text":"Perfect.","start":192.90999,"end":193.40999,"sentiment":"neutral","sentiment_score":0.30791613459587097},{"text":"Just going through a couple things with you as well.","start":194.11,"end":195.95,"sentiment":"neutral","sentiment_score":0.1604923978447914}],"sentiment":"neutral","sentiment_score":0.05169399546104528,"num_words":42,"start":184.81499,"end":195.95},{"sentences":[{"text":"I'm just gonna touch on the insurances because policy anniversaries and the like.","start":195.95,"end":200.37,"sentiment":"neutral","sentiment_score":0.04892921977891372},{"text":"Have you had any changes with the income?","start":200.90999,"end":202.84999,"sentiment":"neutral","sentiment_score":0.00035665719769895077},{"text":"I think we had you on a 133,000.","start":202.98999,"end":205.25,"sentiment":"neutral","sentiment_score":-0.04388091736473143},{"text":"Yep.","start":228.63,"end":229.13,"sentiment":"neutral","sentiment_score":0.21075713634490967},{"text":"So it's still flowing through.","start":229.19,"end":230.39,"sentiment":"positive","sentiment_score":0.337358096241951}],"sentiment":"neutral","sentiment_score":0.06244095409555095,"num_words":35,"start":195.95,"end":230.39},{"sentences":[{"text":"I'll probably notice that in the next contribution next month.","start":230.39,"end":233.50499,"sentiment":"neutral","sentiment_score":0.12121851742267609},{"text":"I'll put down $1.36 for now.","start":234.045,"end":236.305,"sentiment":"neutral","sentiment_score":0.0018059311745067432},{"text":"Okay.","start":245.73999,"end":246.23999,"sentiment":"neutral","sentiment_score":0.03627680614590645},{"text":"I did see the frequency changed, which was good because it means, I think are you paid monthly Fortnightly.","start":251.09999,"end":259.85498,"sentiment":"neutral","sentiment_score":0.16179492148129562},{"text":"Yep.","start":259.995,"end":260.155,"sentiment":"neutral","sentiment_score":0.07064501941204071}],"sentiment":"neutral","sentiment_score":0.11902827283719906,"num_words":37,"start":230.39,"end":260.155},{"sentences":[{"text":"Okay.","start":260.155,"end":260.63498,"sentiment":"neutral","sentiment_score":0.03907003998756409},{"text":"So they did do something with the contributions where there was some larger amounts coming in slower.","start":260.63498,"end":265.215,"sentiment":"neutral","sentiment_score":-0.020038763499435258},{"text":"Now they're coming in a bit quicker.","start":265.275,"end":266.895,"sentiment":"neutral","sentiment_score":-0.007014876165028129},{"text":"And then when the new legislation kicks in, they'll be paying it fortnightly, which means it'll come in a lot faster and it will average out through the year.","start":267.035,"end":274.99002,"sentiment":"neutral","sentiment_score":0.12518481023866554},{"text":"That's gonna be a lot better for your investments as well.","start":275.05002,"end":277.37,"sentiment":"neutral","sentiment_score":0.2771161740476435}],"sentiment":"neutral","sentiment_score":0.09735298982749764,"num_words":65,"start":260.155,"end":277.37},{"sentences":[{"text":"So it just means it gets to buy more frequently.","start":277.37,"end":279.63,"sentiment":"neutral","sentiment_score":0.04921184666454792},{"text":"So I'll put $1.36 in for now.","start":281.05002,"end":282.81,"sentiment":"neutral","sentiment_score":0.049258776009082794},{"text":"Now with the change in descriptions and duties, what can I put down just for the occupation title and duties?","start":282.81,"end":288.66498,"sentiment":"neutral","sentiment_score":0.00864906762726605},{"text":"Yep.","start":293.365,"end":293.865,"sentiment":"neutral","sentiment_score":0.017581386491656303},{"text":"There's always lists.","start":310.755,"end":311.955,"sentiment":"neutral","sentiment_score":-0.0006703760785361131}],"sentiment":"neutral","sentiment_score":0.025011744134400677,"num_words":41,"start":277.37,"end":311.955},{"sentences":[{"text":"Service crew is fine, but anything in terms of daily duties you can give me helps me kind of explain it, and then they tell us which category it links closer to.","start":311.955,"end":321.01498,"sentiment":"neutral","sentiment_score":0.025307785777840763},{"text":"Yep.","start":338.555,"end":338.95502,"sentiment":"neutral","sentiment_score":0.2018539011478424},{"text":"Perfect.","start":338.95502,"end":339.355,"sentiment":"positive","sentiment_score":0.493954598903656},{"text":"Mate, that matches pretty close to what I had before.","start":339.355,"end":341.595,"sentiment":"neutral","sentiment_score":0.24128285944461822},{"text":"I guess I've just updated contracts and the like, have they?","start":341.595,"end":344.33502,"sentiment":"neutral","sentiment_score":0.05471119437028061}],"sentiment":"neutral","sentiment_score":0.08218744322657585,"num_words":55,"start":311.955,"end":344.33502},{"sentences":[{"text":"Yep.","start":350.00998,"end":350.25,"sentiment":"neutral","sentiment_score":0.03754095733165741},{"text":"And is that still with Newmont?","start":350.25,"end":351.63,"sentiment":"neutral","sentiment_score":0.01749993705501159},{"text":"Yep.","start":352.88998,"end":353.37,"sentiment":"neutral","sentiment_score":0.05328558385372162},{"text":"Sensational.","start":353.37,"end":353.87,"sentiment":"neutral","sentiment_score":0.07045036554336548},{"text":"Alright.","start":354.97,"end":355.37,"sentiment":"neutral","sentiment_score":0.20899449288845065}],"sentiment":"neutral","sentiment_score":0.047527102194726466,"num_words":10,"start":350.00998,"end":355.37},{"sentences":[{"text":"So I've updated that.","start":355.37,"end":356.49,"sentiment":"neutral","sentiment_score":0.2626021280884743},{"text":"That's cool.","start":356.49,"end":357.05,"sentiment":"positive","sentiment_score":0.4082104414701462},{"text":"I just wanted to check that because of the income protection.","start":357.05,"end":359.78998,"sentiment":"neutral","sentiment_score":0.22199545800685883},{"text":"Do you know I'm gonna send through your certificate of currency so you've got your insurance policies handy.","start":360.33502,"end":365.39502,"sentiment":"neutral","sentiment_score":0.21120552056365544},{"text":"And, of course, anything ever happens, you just give us a call, and we'll launch a claim and help you through the claims process.","start":365.61502,"end":370.915,"sentiment":"neutral","sentiment_score":0.24627074413001537}],"sentiment":"neutral","sentiment_score":0.23764367224806446,"num_words":59,"start":355.37,"end":370.915},{"sentences":[{"text":"But you're paying, like, a small amount monthly through the credit card for that extra definition for the income protection if that rings a bell.","start":371.375,"end":379.4,"sentiment":"neutral","sentiment_score":0.1704358774423599},{"text":"So because the cover amount is 8 triple 9 per month, so $9 flat, that's usually got you at that sort of 75% of the income, which with your income just jumping up a bit kinda gets it close because they increase your cover every year.","start":381.37997,"end":398.005,"sentiment":"neutral","sentiment_score":0.18758526735979578},{"text":"It's like a cheap way of getting more cover, but it does increase the premiums.","start":398.005,"end":401.385,"sentiment":"neutral","sentiment_score":0.1317180591324965},{"text":"So I was just worried that you might be a bit over insured.","start":401.445,"end":403.86,"sentiment":"neutral","sentiment_score":-0.28183546834267104},{"text":"You might be a touch.","start":404.08,"end":405.37997,"sentiment":"negative","sentiment_score":-0.3484583854675293}],"sentiment":"neutral","sentiment_score":0.09095612601735271,"num_words":104,"start":371.375,"end":405.37997},{"sentences":[{"text":"You might be a touch.","start":405.75998,"end":406.47998,"sentiment":"neutral","sentiment_score":-0.20288931727409362},{"text":"So if I work it off $1.36 just bear with me for two secs.","start":406.47998,"end":410.34,"sentiment":"neutral","sentiment_score":-0.08965045905538968},{"text":"Yeah.","start":412.24,"end":412.47998,"sentiment":"neutral","sentiment_score":0.015277205035090446},{"text":"You probably your max should be 8,500, not 8,900.","start":412.47998,"end":416.09998,"sentiment":"neutral","sentiment_score":0.013126264015833536},{"text":"So I might look at a quick little trim down for that.","start":416.395,"end":419.75497,"sentiment":"neutral","sentiment_score":-0.0058081190412243204}],"sentiment":"neutral","sentiment_score":-0.05380089903568349,"num_words":41,"start":405.75998,"end":419.75497},{"sentences":[{"text":"Are you expecting some more increases?","start":419.75497,"end":421.615,"sentiment":"neutral","sentiment_score":-0.0882515696187814},{"text":"Yep.","start":432.81,"end":433.31,"sentiment":"neutral","sentiment_score":0.024461304768919945},{"text":"Yeah.","start":435.05,"end":435.37,"sentiment":"neutral","sentiment_score":0.048244405537843704},{"text":"It kinda does too.","start":435.37,"end":436.49,"sentiment":"neutral","sentiment_score":0.0760062076151371},{"text":"So in terms of, like would you call it, like, a bonus or an overtime, or is it more like allowances?","start":436.49,"end":441.87,"sentiment":"neutral","sentiment_score":0.021683803005587487}],"sentiment":"neutral","sentiment_score":0.009169120793089722,"num_words":33,"start":419.75497,"end":441.87},{"sentences":[{"text":"Balances.","start":444.01498,"end":444.51498,"sentiment":"neutral","sentiment_score":0.036003440618515015},{"text":"Yep.","start":444.655,"end":445.055,"sentiment":"neutral","sentiment_score":0.1693715751171112},{"text":"Cool.","start":445.055,"end":445.555,"sentiment":"neutral","sentiment_score":0.27850332856178284},{"text":"Alright.","start":446.095,"end":446.595,"sentiment":"neutral","sentiment_score":0.21887138485908508},{"text":"Yeah.","start":452.655,"end":452.895,"sentiment":"neutral","sentiment_score":0.05287105590105057}],"sentiment":"neutral","sentiment_score":0.15112415701150894,"num_words":5,"start":444.01498,"end":452.895},{"sentences":[{"text":"It was quarterly before.","start":452.895,"end":454.175,"sentiment":"neutral","sentiment_score":0.031061775982379913},{"text":"So your tax return, you'd be on what?","start":454.175,"end":455.935,"sentiment":"neutral","sentiment_score":0.04037336492910981},{"text":"Like, well over one one forty, one fifty at least.","start":455.935,"end":459.16998,"sentiment":"neutral","sentiment_score":0.04094909448176622},{"text":"It's running a week off.","start":461.78998,"end":463.41,"sentiment":"neutral","sentiment_score":0.05246423631906509},{"text":"$1.53.","start":467.55,"end":468.69,"sentiment":"neutral","sentiment_score":0.0568000003695488}],"sentiment":"neutral","sentiment_score":0.04199450536231909,"num_words":28,"start":452.895,"end":468.69},{"sentences":[{"text":"Perfect.","start":468.83,"end":469.31,"sentiment":"positive","sentiment_score":0.5069142580032349},{"text":"So that means that if you were to go to claim, they would work it off the $1.53 plus what they're expecting for the next week, and they would do the percentage off of that.","start":469.31,"end":478.54498,"sentiment":"neutral","sentiment_score":0.15012306906282902},{"text":"So you're you're totally fine there.","start":478.54498,"end":480.645,"sentiment":"positive","sentiment_score":0.4286404550075531},{"text":"Alrighty.","start":482.305,"end":482.785,"sentiment":"positive","sentiment_score":0.4620710611343384},{"text":"So that's perfect.","start":482.785,"end":483.685,"sentiment":"positive","sentiment_score":0.7423866589864095}],"sentiment":"neutral","sentiment_score":0.24160383053951792,"num_words":46,"start":468.83,"end":483.685},{"sentences":[{"text":"Just quickly on the life and TPD, 1.2 mil of life insurance total disability lump sums, which last check I did with the mortgage, we had you at $460,000 owing.","start":484.145,"end":496.31,"sentiment":"neutral","sentiment_score":0.12458468799789747},{"text":"Have you had any changes in the assets and liabilities?","start":496.44998,"end":499.34998,"sentiment":"neutral","sentiment_score":0.011802802234888077},{"text":"While you're doing that, I might do a quick online evaluation for Todd Crescent.","start":512.83997,"end":518.62,"sentiment":"neutral","sentiment_score":0.05739866915558066},{"text":"Reckon $775,000 value sounds about right.","start":526.855,"end":530.475,"sentiment":"neutral","sentiment_score":0.08015075325965881},{"text":"Fantastic.","start":533.655,"end":534.155,"sentiment":"positive","sentiment_score":0.5658783316612244}],"sentiment":"neutral","sentiment_score":0.0935398833062805,"num_words":61,"start":484.145,"end":534.155},{"sentences":[{"text":"Yep.","start":560.1,"end":560.6,"sentiment":"neutral","sentiment_score":0.031416554003953934},{"text":"Yeah.","start":569.77997,"end":570.27997,"sentiment":"neutral","sentiment_score":-0.007686340250074864},{"text":"Oh, not bad at all.","start":577.635,"end":578.855,"sentiment":"neutral","sentiment_score":0.05052034184336662},{"text":"One 50 in the offset against that.","start":580.835,"end":583.175,"sentiment":"neutral","sentiment_score":0.023297158469046866},{"text":"I think the only other assets we had was, like, car tools, home, and offset account savings.","start":584.275,"end":588.88995,"sentiment":"neutral","sentiment_score":0.015904762508238062}],"sentiment":"neutral","sentiment_score":0.022896548222389915,"num_words":31,"start":560.1,"end":588.88995},{"sentences":[{"text":"Is that pretty much it for assets?","start":588.88995,"end":590.75,"sentiment":"neutral","sentiment_score":0.017528738028236797},{"text":"Yep.","start":592.49,"end":592.88995,"sentiment":"neutral","sentiment_score":-0.005434110760688782},{"text":"And there was a bit of a note, and I apologize if this is a bit old.","start":592.88995,"end":596.17,"sentiment":"neutral","sentiment_score":-0.11104518701048459},{"text":"New system, I'm just cross referencing the info about starting a bit of a forklift business at some point.","start":596.17,"end":601.195,"sentiment":"neutral","sentiment_score":-0.09501898327940389},{"text":"Was that really old, or is that still current?","start":601.195,"end":603.295,"sentiment":"neutral","sentiment_score":-0.10591844055387709}],"sentiment":"neutral","sentiment_score":-0.08545524096292145,"num_words":53,"start":588.88995,"end":603.295},{"sentences":[{"text":"Yep.","start":606.155,"end":606.655,"sentiment":"neutral","sentiment_score":0.013798926025629044},{"text":"K.","start":610.89,"end":611.37,"sentiment":"neutral","sentiment_score":-0.0037899520248174663},{"text":"And the twelve months.","start":611.37,"end":612.59,"sentiment":"neutral","sentiment_score":-0.006254621781408787},{"text":"Three directors.","start":614.57,"end":615.39,"sentiment":"neutral","sentiment_score":-0.00548239890486002},{"text":"And so employment wise, it all just it's all just getting paid through Newmont?","start":617.53,"end":621.61005,"sentiment":"neutral","sentiment_score":-0.008502073319894927}],"sentiment":"neutral","sentiment_score":-0.0065910607915033,"num_words":22,"start":606.155,"end":621.61005},{"sentences":[{"text":"Do you does it flow through your company at all, or is it just coming to you in terms of wages and that's it?","start":621.61005,"end":626.415,"sentiment":"neutral","sentiment_score":-0.03227695620929202},{"text":"Yep.","start":631.295,"end":631.795,"sentiment":"neutral","sentiment_score":-0.17481157183647156},{"text":"Yeah.","start":635.615,"end":635.77496,"sentiment":"neutral","sentiment_score":-0.06848347187042236},{"text":"You're still in the first few years.","start":635.77496,"end":637.315,"sentiment":"neutral","sentiment_score":-0.10260554828814097},{"text":"Yep.","start":644.35,"end":644.85,"sentiment":"neutral","sentiment_score":0.005746987648308277}],"sentiment":"neutral","sentiment_score":-0.0508951130323112,"num_words":34,"start":621.61005,"end":644.85},{"sentences":[{"text":"Okay.","start":644.91,"end":645.39,"sentiment":"neutral","sentiment_score":0.1875556856393814},{"text":"That's easy done.","start":645.39,"end":646.27,"sentiment":"positive","sentiment_score":0.4216010769208272},{"text":"So I'll leave that off to the side, make a quick note of it.","start":646.27,"end":649.33,"sentiment":"neutral","sentiment_score":0.14850707511816705},{"text":"So in terms of those lump sums, if you get the let's say you hurt your back out of work and they're like, mate, you're not going back to work, you get your 1.2 mil, you get your income protection kicking in after that, mortgages paid off, and you've got about eight years worth of net income replaced.","start":649.55,"end":667.215,"sentiment":"neutral","sentiment_score":-0.07562828645238588},{"text":"How's that sort of sounding for you and the family in terms of that, what that looks like for for Manny and the kids?","start":668.62,"end":674.64,"sentiment":"neutral","sentiment_score":0.1009918056273212}],"sentiment":"neutral","sentiment_score":0.015688206888735293,"num_words":100,"start":644.91,"end":674.64},{"sentences":[{"text":"K.","start":676.86005,"end":677.36005,"sentiment":"neutral","sentiment_score":0.03348115086555481},{"text":"So I'll leave those alone, and I don't think you've got, like, trauma insurance for heart attack, stroke, and cancer.","start":678.22003,"end":683.725,"sentiment":"neutral","sentiment_score":-0.10295985732227564},{"text":"That's the one that's out of pocket only.","start":683.725,"end":685.665,"sentiment":"neutral","sentiment_score":-0.18762195110321045},{"text":"Do you want me to get a quote for that or just leave it as life TBD income protection?","start":686.285,"end":690.545,"sentiment":"neutral","sentiment_score":-0.014949152540219458},{"text":"I'm gonna have a quick double check.","start":694.14,"end":695.74,"sentiment":"neutral","sentiment_score":-0.010473471933177539}],"sentiment":"neutral","sentiment_score":-0.07061890556731007,"num_words":55,"start":676.86005,"end":695.74},{"sentences":[{"text":"We've got the split income protection there.","start":695.74,"end":698.08,"sentiment":"neutral","sentiment_score":-0.010651655848570434},{"text":"No.","start":699.42,"end":699.74,"sentiment":"neutral","sentiment_score":-0.1137196123600006},{"text":"Sorry.","start":699.74,"end":700.14,"sentiment":"neutral","sentiment_score":-0.12306664884090424},{"text":"You are right.","start":700.14,"end":700.77997,"sentiment":"neutral","sentiment_score":-0.082272673646609},{"text":"It was underneath your income protection definition for a 109,000.","start":700.77997,"end":704.56,"sentiment":"neutral","sentiment_score":-0.08997052237391472}],"sentiment":"neutral","sentiment_score":-0.0662668680372669,"num_words":22,"start":695.74,"end":704.56},{"sentences":[{"text":"That's 54 a month.","start":705.02,"end":706.7,"sentiment":"neutral","sentiment_score":-0.01787397125735879},{"text":"The income protection's 10 a month.","start":706.7,"end":708.615,"sentiment":"neutral","sentiment_score":-0.014725738360236088},{"text":"So is that is that amount still okay?","start":708.855,"end":711.255,"sentiment":"neutral","sentiment_score":0.010238480987027287},{"text":"I know the premiums jumped up a little bit.","start":711.255,"end":713.115,"sentiment":"neutral","sentiment_score":-0.11213009721702999},{"text":"K.","start":717.575,"end":718.075,"sentiment":"neutral","sentiment_score":0.015327932313084602}],"sentiment":"neutral","sentiment_score":-0.038278050354814956,"num_words":28,"start":705.02,"end":718.075},{"sentences":[{"text":"Yep.","start":718.695,"end":719.015,"sentiment":"neutral","sentiment_score":0.0840587243437767},{"text":"And, again, that's mainly, like gives your partner some time to, like, take time off work or whatever's need be to to be alongside you.","start":719.015,"end":726.37,"sentiment":"neutral","sentiment_score":0.07241363927721978},{"text":"If you have that cancer diagnosis, you go hunt around for your best doctors.","start":726.37,"end":730.55,"sentiment":"neutral","sentiment_score":0.01194070785173348},{"text":"You guys relax together for a few months and get it sorted kind of thing.","start":730.69,"end":734.06995,"sentiment":"neutral","sentiment_score":0.1278832751015822},{"text":"Anything more serious.","start":734.76996,"end":735.91,"sentiment":"neutral","sentiment_score":-0.10432381182909012}],"sentiment":"neutral","sentiment_score":0.06322150529715521,"num_words":58,"start":718.695,"end":735.91},{"sentences":[{"text":"And if you're off work because of it, income protection kicks in.","start":736.35504,"end":739.495,"sentiment":"neutral","sentiment_score":-0.11871595370272796},{"text":"If something permanent happens, there's your TPD.","start":739.55505,"end":742.35504,"sentiment":"neutral","sentiment_score":-0.0992650059717042},{"text":"There's your life insurance.","start":742.35504,"end":743.575,"sentiment":"neutral","sentiment_score":-0.052839030511677265},{"text":"Cool.","start":746.195,"end":746.59503,"sentiment":"positive","sentiment_score":0.35917049646377563},{"text":"So I won't make any alterations to the cover.","start":746.59503,"end":748.91504,"sentiment":"neutral","sentiment_score":0.03858102816674444}],"sentiment":"neutral","sentiment_score":-0.04922432903990601,"num_words":33,"start":736.35504,"end":748.91504},{"sentences":[{"text":"It will just be the portfolio at the moment.","start":748.91504,"end":751.495,"sentiment":"neutral","sentiment_score":0.11707797273993492},{"text":"Do you want me to put any comparisons in for, like, salary sacrifice or any additional contributions for the financial year into super?","start":752.19,"end":760.37,"sentiment":"neutral","sentiment_score":0.025099146341824013},{"text":"Is there another priority we need to take into account in terms of the mortgage or any other cash flow priorities for the business and things?","start":767.005,"end":773.26495,"sentiment":"neutral","sentiment_score":0.05996519083587023},{"text":"Yep.","start":788.235,"end":788.735,"sentiment":"neutral","sentiment_score":-0.06930895894765854},{"text":"Yep.","start":800.01,"end":800.25,"sentiment":"neutral","sentiment_score":0.1860816180706024}],"sentiment":"neutral","sentiment_score":0.055114162356282276,"num_words":60,"start":748.91504,"end":800.25},{"sentences":[{"text":"Yep.","start":800.25,"end":800.65,"sentiment":"neutral","sentiment_score":0.29884347319602966},{"text":"That's a good idea.","start":800.65,"end":801.55005,"sentiment":"positive","sentiment_score":0.679670050740242},{"text":"One of the things you can do is lump sums after the financial year gets to the end of next financial year.","start":802.49,"end":808.83,"sentiment":"neutral","sentiment_score":0.24992944503372366},{"text":"Like, one of the strategies some people do is they keep it in their offset for that eleven months, offset the mortgage, and then maybe dump a bit into super during next year.","start":808.97003,"end":818.325,"sentiment":"neutral","sentiment_score":0.17456325346773321},{"text":"I probably wouldn't be rushing to put anything in as soon as you get it kind of thing because you can get a bit of a double benefit from it.","start":818.865,"end":824.88,"sentiment":"neutral","sentiment_score":0.11972729650636514}],"sentiment":"neutral","sentiment_score":0.19853753029472299,"num_words":90,"start":800.25,"end":824.88},{"sentences":[{"text":"Yeah.","start":834.16003,"end":834.56,"sentiment":"neutral","sentiment_score":0.08305947482585907},{"text":"So you've got your nonconcessionals and your concessionals.","start":834.56,"end":837.62,"sentiment":"neutral","sentiment_score":0.11946802493184805},{"text":"They've increased the concessionals to 32 and a half thousand.","start":838.0,"end":841.585,"sentiment":"neutral","sentiment_score":0.14151704385876657},{"text":"So what work puts in, you can do another 500 a fortnight safely enough without breaching the cap in terms of ongoing.","start":842.045,"end":850.065,"sentiment":"neutral","sentiment_score":0.17108485492115671},{"text":"And then lump sums, you've got heaps of room to do anything you haven't used the last five years, but that's something I'll probably talk to you about in about ten ten months' time if it becomes necessary.","start":850.605,"end":862.47003,"sentiment":"neutral","sentiment_score":0.0386203001008222}],"sentiment":"neutral","sentiment_score":0.09728370031601266,"num_words":79,"start":834.16003,"end":862.47003},{"sentences":[{"text":"In terms of the regulars, do you want me to put any kind of projection in there for 100 a fortnight, 200, 500 a fortnight, anything that you can afford to to put in there without missing?","start":864.94495,"end":876.64496,"sentiment":"neutral","sentiment_score":0.06716558800355808},{"text":"Yep.","start":882.94,"end":883.34,"sentiment":"neutral","sentiment_score":0.07987417280673981},{"text":"K.","start":883.34,"end":883.84,"sentiment":"neutral","sentiment_score":0.03621913492679596},{"text":"200 a fortnight.","start":885.02,"end":886.24005,"sentiment":"neutral","sentiment_score":0.06137683739264806},{"text":"In terms of the goals themselves, so I'm just looking at retirement age.","start":886.54004,"end":890.78,"sentiment":"neutral","sentiment_score":0.06530713204007882}],"sentiment":"neutral","sentiment_score":0.06607896895571189,"num_words":55,"start":864.94495,"end":890.78},{"sentences":[{"text":"You've still got a little while to go.","start":890.78,"end":892.575,"sentiment":"neutral","sentiment_score":0.007416181557346135},{"text":"We were looking at as early as possible, like 65 being the minimum, $8.60 being the ideal on that kind of mortgage paid off 75,000 a year tax free.","start":892.655,"end":903.555,"sentiment":"neutral","sentiment_score":0.15135211548928557},{"text":"Does that still sound about the the idea is just get as much in there as quick as possible?","start":903.695,"end":908.03503,"sentiment":"neutral","sentiment_score":0.19128438948016419},{"text":"Cool.","start":909.45996,"end":909.94,"sentiment":"positive","sentiment_score":0.5098528265953064},{"text":"So I'll do the usual, like, ten year projection update.","start":909.94,"end":912.5,"sentiment":"neutral","sentiment_score":0.27822185307741165}],"sentiment":"neutral","sentiment_score":0.16977635162896407,"num_words":67,"start":890.78,"end":912.5},{"sentences":[{"text":"For now, when we get a bit closer to retirement, I'll do a bit more of an analysis because, obviously, I can't project out thirty, forty years right now.","start":912.5,"end":920.44,"sentiment":"neutral","sentiment_score":0.096993796431042},{"text":"But as we get closer and closer, we then start to check whether you're gonna be on track for the goal, how long is it gonna last.","start":920.765,"end":926.865,"sentiment":"neutral","sentiment_score":0.2157785282642753},{"text":"Is there anything else on the cards for you guys the next few years?","start":929.965,"end":932.605,"sentiment":"neutral","sentiment_score":0.20144602869238173},{"text":"Because we've got the super, the coverage, the business, the work, the mortgage.","start":932.605,"end":936.55,"sentiment":"neutral","sentiment_score":0.2888427674770355},{"text":"It's quite a bit on the plate.","start":936.55,"end":937.75,"sentiment":"neutral","sentiment_score":0.26460140092032297}],"sentiment":"neutral","sentiment_score":0.18962500605525243,"num_words":90,"start":912.5,"end":937.75},{"sentences":[{"text":"Is there anything else that you're working on?","start":937.75,"end":939.61,"sentiment":"neutral","sentiment_score":0.13629864621907473},{"text":"Yep.","start":947.84503,"end":948.245,"sentiment":"neutral","sentiment_score":0.06977790594100952},{"text":"Building investment property.","start":948.245,"end":949.445,"sentiment":"neutral","sentiment_score":0.05490397537748019},{"text":"Is that more like a twelve months or wouldn't have a clue on figures come back to that in a couple years kind of thing?","start":949.445,"end":955.385,"sentiment":"neutral","sentiment_score":-0.009608456864953041},{"text":"Yep.","start":958.42004,"end":958.92004,"sentiment":"neutral","sentiment_score":0.037570707499980927}],"sentiment":"neutral","sentiment_score":0.02953258651847902,"num_words":38,"start":937.75,"end":958.92004},{"sentences":[{"text":"Yeah.","start":961.86005,"end":962.18,"sentiment":"neutral","sentiment_score":0.16513344645500183},{"text":"Cool.","start":962.18,"end":962.5,"sentiment":"positive","sentiment_score":0.35072407126426697},{"text":"You reckon it's a good area to to pick something up for you guys?","start":962.5,"end":965.88,"sentiment":"positive","sentiment_score":0.37945435302598135},{"text":"Perfect.","start":981.39496,"end":981.89496,"sentiment":"positive","sentiment_score":0.5988881587982178},{"text":"When we get a bit closer down the line, we'll obviously talk about any finalized changes in terms of the budgets and taxes and all that kind of thing.","start":983.43,"end":991.53,"sentiment":"neutral","sentiment_score":0.14931441124143272}],"sentiment":"neutral","sentiment_score":0.23385270749745163,"num_words":46,"start":961.86005,"end":991.53},{"sentences":[{"text":"So once something actually gets across the line and is in force, I'll I'll let you know in the next catch up what that might affect in terms of building.","start":991.59,"end":1000.205,"sentiment":"neutral","sentiment_score":0.058133567000428835},{"text":"But building new is pretty much your safest bet anyway, even with everything they originally talked about.","start":1000.205,"end":1005.745,"sentiment":"neutral","sentiment_score":0.11266670781461631},{"text":"Yep.","start":1015.5,"end":1016.0,"sentiment":"neutral","sentiment_score":0.18210053443908691},{"text":"Exactly right.","start":1016.22,"end":1017.25995,"sentiment":"positive","sentiment_score":0.5428700149059296},{"text":"So that's pretty cool.","start":1017.25995,"end":1018.45996,"sentiment":"positive","sentiment_score":0.7583743184804916}],"sentiment":"neutral","sentiment_score":0.14741997927841213,"num_words":54,"start":991.59,"end":1018.45996},{"sentences":[{"text":"Alright.","start":1018.45996,"end":1018.69995,"sentiment":"positive","sentiment_score":0.376420795917511},{"text":"So we've got plenty in terms of the goals there.","start":1018.69995,"end":1021.33997,"sentiment":"neutral","sentiment_score":0.2828337088227272},{"text":"Just quickly on a couple of details to update.","start":1021.33997,"end":1023.68,"sentiment":"neutral","sentiment_score":0.10790522810485628},{"text":"I had in terms of dependents, you've got your son and three stepdaughters.","start":1024.385,"end":1028.725,"sentiment":"neutral","sentiment_score":0.03657025929826956},{"text":"Is that still current dependents?","start":1028.865,"end":1030.645,"sentiment":"neutral","sentiment_score":0.019549183174967767}],"sentiment":"neutral","sentiment_score":0.12497537431160086,"num_words":38,"start":1018.45996,"end":1030.645},{"sentences":[{"text":"Yep.","start":1036.24,"end":1036.64,"sentiment":"neutral","sentiment_score":0.03952834755182266},{"text":"Alright.","start":1036.64,"end":1036.96,"sentiment":"neutral","sentiment_score":0.07438331842422485},{"text":"So all independent except for the sun.","start":1036.96,"end":1039.14,"sentiment":"neutral","sentiment_score":0.08941938462001937},{"text":"Fantastic.","start":1045.76,"end":1046.26,"sentiment":"positive","sentiment_score":0.6373958587646484},{"text":"Alrighty.","start":1048.3849,"end":1048.8849,"sentiment":"neutral","sentiment_score":0.3092702329158783}],"sentiment":"neutral","sentiment_score":0.15331940454515544,"num_words":11,"start":1036.24,"end":1048.8849},{"sentences":[{"text":"Estate planning wise, did you end up getting, like, a will in place or anything like that?","start":1049.105,"end":1052.565,"sentiment":"neutral","sentiment_score":0.06778410033268087},{"text":"Cool.","start":1054.625,"end":1055.125,"sentiment":"neutral","sentiment_score":0.06719790399074554},{"text":"Do you want me to send any forms for beneficiary updates?","start":1055.2649,"end":1059.845,"sentiment":"neutral","sentiment_score":0.023929224857552486},{"text":"What's your preference?","start":1060.065,"end":1061.0249,"sentiment":"neutral","sentiment_score":0.0005105153347055117},{"text":"Is it just to go to money?","start":1061.0249,"end":1062.485,"sentiment":"neutral","sentiment_score":-0.011703821032174997}],"sentiment":"neutral","sentiment_score":0.03595779184252024,"num_words":39,"start":1049.105,"end":1062.485},{"sentences":[{"text":"Yep.","start":1070.67,"end":1070.91,"sentiment":"neutral","sentiment_score":0.14427916705608368},{"text":"Perfect.","start":1070.91,"end":1071.41,"sentiment":"neutral","sentiment_score":0.3252778649330139},{"text":"So one thing that I won't I've actually been talking to people about for, like, the last twelve years quite a lot is testamentary trust wills where your first port of call is, let's say, your super, your life insurance, your house all goes to your partner.","start":1071.47,"end":1086.5651,"sentiment":"neutral","sentiment_score":0.046176538049699144},{"text":"One thing that you can do is establish through the will, like, a trust fund for the kids, and that can show, you know, how you want funds distributed out, but they may actually be falling into some of these new tax rules for trust funds.","start":1087.025,"end":1101.48,"sentiment":"neutral","sentiment_score":0.023188671907005104},{"text":"So I wouldn't jump on that right now.","start":1101.675,"end":1103.515,"sentiment":"neutral","sentiment_score":-0.09787508379667997}],"sentiment":"neutral","sentiment_score":0.028383811239550992,"num_words":103,"start":1070.67,"end":1103.515},{"sentences":[{"text":"It's a few thousand dollars, and they may be changing the rules on them.","start":1103.515,"end":1107.3551,"sentiment":"neutral","sentiment_score":-0.024872901317264353},{"text":"But just that basic will even, you know, from the post office, they're legal, solicitor, courthouse.","start":1107.3551,"end":1113.6951,"sentiment":"neutral","sentiment_score":0.014511842397041619},{"text":"There's a few different ways to get the basic one set up.","start":1113.915,"end":1116.5751,"sentiment":"neutral","sentiment_score":0.03606994356960058},{"text":"Cool.","start":1118.36,"end":1118.6799,"sentiment":"neutral","sentiment_score":0.28578925132751465},{"text":"So I'll double check, make sure we've got all the forms ready to go for the super and the life insurance.","start":1118.6799,"end":1122.84,"sentiment":"neutral","sentiment_score":0.1809384006829489}],"sentiment":"neutral","sentiment_score":0.06878599763149396,"num_words":64,"start":1103.515,"end":1122.84},{"sentences":[{"text":"I'll double check what's in place.","start":1122.84,"end":1124.86,"sentiment":"neutral","sentiment_score":0.042850532879432045},{"text":"You do have an option for the beneficiary nominations to expire every three years or just have it ongoing?","start":1125.88,"end":1132.525,"sentiment":"neutral","sentiment_score":0.0744282191521243},{"text":"Up to you.","start":1132.585,"end":1133.5651,"sentiment":"neutral","sentiment_score":0.02836286649107933},{"text":"Yep.","start":1135.0651,"end":1135.465,"sentiment":"neutral","sentiment_score":0.06895565241575241},{"text":"And bit of a silly question, but you can choose for it to be nonlegally binding.","start":1135.465,"end":1139.645,"sentiment":"neutral","sentiment_score":-0.08937888825312257}],"sentiment":"neutral","sentiment_score":0.008782697800132964,"num_words":45,"start":1122.84,"end":1139.645},{"sentences":[{"text":"So the super fund has discretion or make it legally binding.","start":1139.705,"end":1143.325,"sentiment":"neutral","sentiment_score":-0.06306370855732397},{"text":"They have to do it.","start":1143.465,"end":1144.56,"sentiment":"neutral","sentiment_score":-0.04063044935464859},{"text":"Yep.","start":1146.4801,"end":1146.88,"sentiment":"neutral","sentiment_score":0.23674163222312927},{"text":"Easy done.","start":1146.88,"end":1147.3601,"sentiment":"positive","sentiment_score":0.5128049105405807},{"text":"So we just call that a binding non lapsing, and that's one of the tick boxes on the form.","start":1147.3601,"end":1152.42,"sentiment":"neutral","sentiment_score":0.16941348737791964}],"sentiment":"neutral","sentiment_score":0.09432512296265677,"num_words":38,"start":1139.705,"end":1152.42},{"sentences":[{"text":"Do you want me to grab Manny's date of birth now and pre fill the forms, or are you okay just filling in when we flick them through to you?","start":1154.9601,"end":1162.185,"sentiment":"neutral","sentiment_score":0.08455754332244396},{"text":"Yeah.","start":1164.2451,"end":1164.5651,"sentiment":"neutral","sentiment_score":0.19493135809898376},{"text":"Go for it.","start":1164.5651,"end":1164.9651,"sentiment":"neutral","sentiment_score":0.27135256429513294},{"text":"So I've got, obviously, same address.","start":1164.9651,"end":1166.5651,"sentiment":"neutral","sentiment_score":0.10361742476622264},{"text":"Right?","start":1166.5651,"end":1167.0651,"sentiment":"neutral","sentiment_score":0.09387905895709991}],"sentiment":"neutral","sentiment_score":0.10393412093200334,"num_words":41,"start":1154.9601,"end":1167.0651},{"sentences":[{"text":"Yep.","start":1168.3251,"end":1168.805,"sentiment":"neutral","sentiment_score":0.0671108067035675},{"text":"Full name would be Manny Scobey.","start":1168.805,"end":1172.1051,"sentiment":"neutral","sentiment_score":0.07250496620933215},{"text":"Is it now Claire, c l a I r e r e, and then Scobie, s c o b I e.","start":1172.51,"end":1188.465,"sentiment":"neutral","sentiment_score":0.02204549496638633},{"text":"Perfect.","start":1190.365,"end":1190.845,"sentiment":"positive","sentiment_score":0.4370480179786682},{"text":"And date of birth?","start":1190.845,"end":1191.9049,"sentiment":"neutral","sentiment_score":0.09818281978368759}],"sentiment":"neutral","sentiment_score":0.054390160465669454,"num_words":33,"start":1168.3251,"end":1191.9049},{"sentences":[{"text":"Date of birth 1973.","start":1194.6849,"end":1196.605,"sentiment":"neutral","sentiment_score":0.03533304948359728},{"text":"Cool.","start":1196.605,"end":1196.845,"sentiment":"positive","sentiment_score":0.4404675364494324},{"text":"So I'll just prefill that your details, the accounts, policies, her details in there.","start":1196.845,"end":1201.93,"sentiment":"neutral","sentiment_score":0.23389471109424317},{"text":"You've basically just got to sign and get two witnesses that aren't money just to do it on the same day or same date.","start":1201.93,"end":1208.51,"sentiment":"neutral","sentiment_score":0.12673218175768852},{"text":"Cool.","start":1210.665,"end":1211.165,"sentiment":"positive","sentiment_score":0.5511062145233154}],"sentiment":"neutral","sentiment_score":0.16929555150934242,"num_words":44,"start":1194.6849,"end":1211.165},{"sentences":[{"text":"Alrighty.","start":1211.305,"end":1211.805,"sentiment":"positive","sentiment_score":0.5941028594970703},{"text":"Mate, I've got a pretty good idea of updating a bit of a plan for you.","start":1212.1051,"end":1215.9451,"sentiment":"positive","sentiment_score":0.6567149274051189},{"text":"Any questions so far?","start":1215.9451,"end":1217.5651,"sentiment":"neutral","sentiment_score":0.2174895815551281},{"text":"Cool.","start":1220.665,"end":1220.9851,"sentiment":"positive","sentiment_score":0.37092307209968567},{"text":"Cool.","start":1220.9851,"end":1221.4651,"sentiment":"positive","sentiment_score":0.3949595093727112}],"sentiment":"positive","sentiment_score":0.5537992437248644,"num_words":23,"start":1211.305,"end":1221.4651},{"sentences":[{"text":"One thing I will do as well, if it's okay with you, is I was gonna send you out a bit of an updated service agreement just because the last one expired before Christmas time.","start":1221.4651,"end":1230.52,"sentiment":"neutral","sentiment_score":0.244476475247315},{"text":"But we're moving over to a new fee structure in a couple of weeks, which basically sees that because you're sitting at 267,000, everyone above 200,000 goes down from 1.65% to 1.375, and we've we're including a bit of a tiering now.","start":1230.74,"end":1250.445,"sentiment":"neutral","sentiment_score":0.027938869183084795},{"text":"So instead of one point six five all the way along, it drops after 200,000, drops again after 500,000, drops again after a million.","start":1250.445,"end":1260.32,"sentiment":"neutral","sentiment_score":-0.018982741826524336},{"text":"So if you're okay to just kind of hold tight for a week, I would prefer to put you on one of the new ones if that's okay with you, and I'll get the plan together at the same time.","start":1260.46,"end":1270.415,"sentiment":"neutral","sentiment_score":0.10809724163264037},{"text":"Cool.","start":1272.075,"end":1272.395,"sentiment":"positive","sentiment_score":0.3850997388362885}],"sentiment":"neutral","sentiment_score":0.09847544182852751,"num_words":142,"start":1221.4651,"end":1272.395},{"sentences":[{"text":"So I won't send you anything today.","start":1272.395,"end":1274.095,"sentiment":"neutral","sentiment_score":0.16116201877593994},{"text":"I will send through, like, your certificates of currency for the insurance performance update from Netwealth.","start":1274.395,"end":1280.34,"sentiment":"neutral","sentiment_score":0.13850611448287964},{"text":"But what I'll basically do is I'll put together the new plan with the updates for the investments.","start":1280.64,"end":1284.66,"sentiment":"neutral","sentiment_score":0.22252782848146227},{"text":"We'll include all the new agreements and packs and everything all on the one go.","start":1284.96,"end":1288.74,"sentiment":"neutral","sentiment_score":0.22990468442440032},{"text":"Beauty.","start":1290.735,"end":1291.235,"sentiment":"neutral","sentiment_score":0.23711109161376953}],"sentiment":"neutral","sentiment_score":0.19360375848778508,"num_words":57,"start":1272.395,"end":1291.235},{"sentences":[{"text":"Is there anything I haven't covered for you today?","start":1291.455,"end":1294.195,"sentiment":"neutral","sentiment_score":0.037769079932736024},{"text":"Cool.","start":1297.295,"end":1297.795,"sentiment":"neutral","sentiment_score":0.1914595067501068},{"text":"If there's anything else, I'll get the team to reach out to you.","start":1297.855,"end":1300.575,"sentiment":"neutral","sentiment_score":0.15216488792346075},{"text":"But, basically, we will pretty much give you a call in a fortnight just to go through that plan together.","start":1300.575,"end":1305.61,"sentiment":"neutral","sentiment_score":0.19541458934545516},{"text":"I've just gotta put it together, and I've had a few people book in already while I was on leave, so we'll give you a buzz in about two weeks.","start":1305.61,"end":1313.5499,"sentiment":"neutral","sentiment_score":0.1722123146057129}],"sentiment":"neutral","sentiment_score":0.15868747937301658,"num_words":73,"start":1291.455,"end":1313.5499},{"sentences":[{"text":"What's your availability like, like, when are you in and out of town?","start":1314.09,"end":1318.91,"sentiment":"neutral","sentiment_score":0.029879229429822702},{"text":"Two and two?","start":1319.025,"end":1324.245,"sentiment":"neutral","sentiment_score":0.0069978659351666766},{"text":"Oh, amazing.","start":1330.7051,"end":1331.4451,"sentiment":"neutral","sentiment_score":0.29995062947273254},{"text":"Week and one week off school holidays.","start":1332.52,"end":1334.9401,"sentiment":"neutral","sentiment_score":0.10155039227434567},{"text":"Back for three.","start":1336.52,"end":1337.24,"sentiment":"neutral","sentiment_score":0.0817464937766393}],"sentiment":"neutral","sentiment_score":0.07019346666389278,"num_words":28,"start":1314.09,"end":1337.24},{"sentences":[{"text":"Awesome.","start":1337.24,"end":1337.64,"sentiment":"positive","sentiment_score":0.48466432094573975},{"text":"So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next next stint.","start":1337.64,"end":1344.78,"sentiment":"neutral","sentiment_score":0.31325920585256356},{"text":"Beautiful.","start":1346.865,"end":1347.345,"sentiment":"positive","sentiment_score":0.5104352235794067},{"text":"Alright, Matt.","start":1347.345,"end":1347.9049,"sentiment":"positive","sentiment_score":0.4223419427871704},{"text":"Thank you so much for your time today.","start":1347.9049,"end":1349.2649,"sentiment":"positive","sentiment_score":0.6451644003391266}],"sentiment":"positive","sentiment_score":0.39857468381524086,"num_words":38,"start":1337.24,"end":1349.2649},{"sentences":[{"text":"I know you're about to fly off, so I don't wanna keep you for too long when you've got some things you wanna do.","start":1349.2649,"end":1353.825,"sentiment":"neutral","sentiment_score":-0.19151596321413913},{"text":"Is there anything else I can help you with before I let you go?","start":1353.825,"end":1356.725,"sentiment":"neutral","sentiment_score":0.07311258278787136},{"text":"Awesome, mate.","start":1359.52,"end":1360.24,"sentiment":"positive","sentiment_score":0.7572568953037262},{"text":"I will I'll get stuck into it and talk to you in a couple of weeks.","start":1360.24,"end":1363.62,"sentiment":"positive","sentiment_score":0.517711378633976},{"text":"Thank you, mate.","start":1365.2799,"end":1365.9199,"sentiment":"positive","sentiment_score":0.7972350915273031}],"sentiment":"neutral","sentiment_score":0.1460473587326074,"num_words":59,"start":1349.2649,"end":1365.9199},{"sentences":[{"text":"Have a great day.","start":1365.9199,"end":1366.8999,"sentiment":"positive","sentiment_score":0.7668431103229523},{"text":"Cheers.","start":1368.32,"end":1368.72,"sentiment":"positive","sentiment_score":0.6325494647026062},{"text":"Bye.","start":1368.72,"end":1369.22,"sentiment":"neutral","sentiment_score":-0.11740896105766296}],"sentiment":"positive","sentiment_score":0.597085490822792,"num_words":6,"start":1365.9199,"end":1369.22}]}}]},{"alternatives":[{"transcript":"Hello. This is Matt. Good. Thanks for coming. Yourself? Yeah. Beautiful at the moment. Sorry. No. I fly back today. Yep. Alright. No. 09/07/3434. Todd Crescent Milak. Yep. Well, congratulations. Yeah. Yep. Yep. My dramas. Yep. Yep. Yep. Not really since I last spoke with him. Yep. Yep. No. Neutral. Yep. Not at all. It's gone up a touch. I don't well, sorry. It's about to go up. It should have gone up two months ago, but I've had a I've had a change of job description or job role out at the mine. So it has increased, but I think it's up to about one thirty six. You may not having any issue in there at the moment with it. With yeah. It should've been effective the April 27. So there's, yeah, there's some issue in the background that I'm trying to get resolved at the moment. Portnoyly. Okay. Yeah. Okay. Yep. Service crew is the occupation title, which yeah. That's I don't know. Does that is there like a just trying to work out. Is it like a like a list you've got to choose from or this service crew suit? Oh, yeah. So it's working underground at heights, installing ventilation, ducting, poly pipe work, pumps. That's probably the main three things. Yeah. Before I was drill off sorter. But, yeah, similar sort of stuff. Yep. Yep. Yep. Yep. Yeah. It rings a bell. Yep. Yep. Yep. Yeah. So that's my base wage, but then I paid in additional duties on top of that. I don't know if that comes into effect. Allowances. We do get a yearly bonus. Well, it was a quarterly bonus, but it's just moved to a yearly bonus. I'm just looking at my last payslip now. So total total earnings year to date is $1.53. Yep. Yep. Yep. Of two seconds. Let me have a look at my bank. Yep. Yeah. Probably would be. And $39.03 point Yeah. So owing would be about the same as before. I never there's there is a separate loan tied to tied to the mortgage, which is with a different thing, which I've never actually considered. But then I've got about one fifty offset against it as well. Yeah. Yep. That's been started. So we started that. So I've been operating over twelve months where I'm a director of that. There's three of us for the directors. No. That just comes to me in terms of wages. This forklift business completely separate. I'm not drawing any wages. No one's drawing any wages off that. Essentially, what yeah. What the what's coming in is essentially only covering finance on the equipment. Yep. Yeah. Yeah, that sounds alright. Okay. I thought that would have been some trauma insurance. Yeah. Yep. Yes. Yeah. I guess it would be. Yeah. Yep. Yeah. Okay. Yeah. That makes sense. I do want to start salary sacrificing. I don't think so at this point in time. There will be some more inheritance come through next month when my mother passed last year, so we're selling one of the properties. So I'll be expecting another probably 70 odd grand to come in to my account, which will then offset just stay offset against the home loan. And Yep. Yeah. Okay. Yep. Yeah. Okay. Yeah. So and just basically top up to the the limit for my super, you mean? Yep. Okay. Yep. Let's look at 200 a fortnight. Yep. Yep. Yep. Yep. Yep. Yep. We are considering building an investment property some stage in the next couple of years. Yeah. It could be twelve months. It could be two years. Depends on land land releases up here. It's something that we we want to set up an investment originally and then with the plan that we would move into it in a few years' time after it depreciated a bit. Yep. Yeah. Well, it's yeah. We saw the new ship have bought out buildings. The only way we could negative gear it if it was if it was going to be negative gear geared and building a new one generally would be. Three stepdaughters. However, they've all they're all not living at home. So yep. My son is nine. Yeah. The rest are all independent. No. I haven't. Yep. To go to Marnie as far as the beneficiary goes for now, but I do wanna do a will. Yep. Yep. Yeah. Okay. Yep. Ongoing. Okay. Lately here. Right. Yep. Alright. I'll I'll give that to you now. Yep. Yep. No. It's still Scobie. She kept her surname, but it's Marnie Claire Scobie. I think it's c l a r e. Yep. Third of third seventy three. Yep. Yep. No. Okay. Okay. Yep. Yep. No dramas. Yep. No worries. Nothing. That's it. Yep. So, normally, I'm working two and two. However, yeah, however, this time, I'm only going out for a week, and I'm taking a week leave because it's school holidays. So I'll be back for three. Yep. Yep. No worries. No worries. No. I think that's it at this stage. No worries. Too easy. Alright. Thank 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This is Matt. Good. Thanks for coming. Yourself?\n\nYeah. Beautiful at the moment. Sorry. No. I fly back today.\n\nYep. Alright. No. 09/07/3434. Todd Crescent Milak.\n\nYep. Well, congratulations. Yeah. Yep. Yep.\n\nMy dramas. Yep. Yep. Yep. Not really since I last spoke with him.\n\nYep. Yep. No. Neutral. Yep.\n\nNot at all. It's gone up a touch. I don't well, sorry. It's about to go up. It should have gone up two months ago, but I've had a I've had a change of job description or job role out at the mine.\n\nSo it has increased, but I think it's up to about one thirty six. You may not having any issue in there at the moment with it. With yeah. It should've been effective the April 27. So there's, yeah, there's some issue in the background that I'm trying to get resolved at the moment.\n\nPortnoyly. Okay. Yeah. Okay. Yep.\n\nService crew is the occupation title, which yeah. That's I don't know. Does that is there like a just trying to work out. Is it like a like a list you've got to choose from or this service crew suit? Oh, yeah.\n\nSo it's working underground at heights, installing ventilation, ducting, poly pipe work, pumps. That's probably the main three things. Yeah. Before I was drill off sorter. But, yeah, similar sort of stuff.\n\nYep. Yep. Yep. Yep. Yeah.\n\nIt rings a bell. Yep. Yep. Yep. Yeah.\n\nSo that's my base wage, but then I paid in additional duties on top of that. I don't know if that comes into effect. Allowances. We do get a yearly bonus. Well, it was a quarterly bonus, but it's just moved to a yearly bonus.\n\nI'm just looking at my last payslip now. So total total earnings year to date is $1.53. Yep. Yep. Yep.\n\nOf two seconds. Let me have a look at my bank. Yep. Yeah. Probably would be.\n\nAnd $39.03 point Yeah. So owing would be about the same as before. I never there's there is a separate loan tied to tied to the mortgage, which is with a different thing, which I've never actually considered. But then I've got about one fifty offset against it as well. Yeah.\n\nYep. That's been started. So we started that. So I've been operating over twelve months where I'm a director of that. There's three of us for the directors.\n\nNo. That just comes to me in terms of wages. This forklift business completely separate. I'm not drawing any wages. No one's drawing any wages off that.\n\nEssentially, what yeah. What the what's coming in is essentially only covering finance on the equipment. Yep. Yeah. Yeah, that sounds alright.\n\nOkay. I thought that would have been some trauma insurance. Yeah. Yep. Yes.\n\nYeah. I guess it would be. Yeah. Yep. Yeah.\n\nOkay. Yeah. That makes sense. I do want to start salary sacrificing. I don't think so at this point in time.\n\nThere will be some more inheritance come through next month when my mother passed last year, so we're selling one of the properties. So I'll be expecting another probably 70 odd grand to come in to my account, which will then offset just stay offset against the home loan. And Yep. Yeah. Okay.\n\nYep. Yeah. Okay. Yeah. So and just basically top up to the the limit for my super, you mean?\n\nYep. Okay. Yep. Let's look at 200 a fortnight. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nWe are considering building an investment property some stage in the next couple of years. Yeah. It could be twelve months. It could be two years. Depends on land land releases up here.\n\nIt's something that we we want to set up an investment originally and then with the plan that we would move into it in a few years' time after it depreciated a bit. Yep. Yeah. Well, it's yeah. We saw the new ship have bought out buildings.\n\nThe only way we could negative gear it if it was if it was going to be negative gear geared and building a new one generally would be. Three stepdaughters. However, they've all they're all not living at home. So yep. My son is nine.\n\nYeah. The rest are all independent. No. I haven't. Yep.\n\nTo go to Marnie as far as the beneficiary goes for now, but I do wanna do a will. Yep. Yep. Yeah. Okay.\n\nYep. Ongoing. Okay. Lately here. Right.\n\nYep. Alright. I'll I'll give that to you now. Yep. Yep.\n\nNo. It's still Scobie. She kept her surname, but it's Marnie Claire Scobie. I think it's c l a r e. Yep.\n\nThird of third seventy three. Yep. Yep. No. Okay.\n\nOkay. Yep. Yep. No dramas. Yep.\n\nNo worries. Nothing. That's it. Yep. So, normally, I'm working two and two.\n\nHowever, yeah, however, this time, I'm only going out for a week, and I'm taking a week leave because it's school holidays. So I'll be back for three. Yep. Yep. No worries.\n\nNo worries. No. I think that's it at this stage. No worries. Too easy.\n\nAlright. Thank you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.06002507358789444},{"text":"This is Matt.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.0764674295981725},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.4001719653606415},{"text":"Thanks for coming.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.5485602021217346},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.4169079065322876}],"sentiment":"neutral","sentiment_score":0.30579864896006054,"num_words":9,"start":1.5999999,"end":8.18},{"sentences":[{"text":"Yeah.","start":13.125,"end":13.445,"sentiment":"neutral","sentiment_score":0.3300843834877014},{"text":"Beautiful at the 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bank.","start":505.405,"end":507.345,"sentiment":"neutral","sentiment_score":0.025366433896124363},{"text":"Yep.","start":517.03,"end":517.53,"sentiment":"neutral","sentiment_score":0.04228711128234863},{"text":"Yeah.","start":531.085,"end":531.405,"sentiment":"neutral","sentiment_score":0.14316585659980774},{"text":"Probably would be.","start":531.405,"end":532.545,"sentiment":"neutral","sentiment_score":0.24555807809034982}],"sentiment":"neutral","sentiment_score":0.07241869776044041,"num_words":16,"start":501.805,"end":532.545},{"sentences":[{"text":"And $39.03 point Yeah.","start":539.805,"end":556.27,"sentiment":"neutral","sentiment_score":0.17622549086809158},{"text":"So owing would be about the same as before.","start":556.27,"end":560.475,"sentiment":"neutral","sentiment_score":0.06823443704181248},{"text":"I never there's there is a separate loan tied to tied to the mortgage, which is with a different thing, which I've never actually considered.","start":562.295,"end":568.955,"sentiment":"neutral","sentiment_score":-0.06055653095245361},{"text":"But then I've got about one fifty offset against it as well.","start":571.92004,"end":577.86005,"sentiment":"neutral","sentiment_score":0.005219387821853161},{"text":"Yeah.","start":580.88,"end":581.38,"sentiment":"neutral","sentiment_score":0.02308093011379242}],"sentiment":"neutral","sentiment_score":-0.0021409371173849298,"num_words":51,"start":539.805,"end":581.38},{"sentences":[{"text":"Yep.","start":591.495,"end":591.995,"sentiment":"neutral","sentiment_score":0.005712151527404785},{"text":"That's been started.","start":604.04004,"end":605.24005,"sentiment":"neutral","sentiment_score":-0.029142658536632855},{"text":"So we started that.","start":605.24005,"end":606.62,"sentiment":"neutral","sentiment_score":-0.00914305611513555},{"text":"So I've been operating over twelve months where I'm a director of that.","start":606.84,"end":610.30005,"sentiment":"neutral","sentiment_score":0.006947104890759175},{"text":"There's three of us for the directors.","start":611.56,"end":613.26,"sentiment":"neutral","sentiment_score":-0.008308688910411937}],"sentiment":"neutral","sentiment_score":-0.0030763038334303667,"num_words":28,"start":591.495,"end":613.26},{"sentences":[{"text":"No.","start":626.21497,"end":626.375,"sentiment":"neutral","sentiment_score":-0.14995211362838745},{"text":"That just comes to me in terms of wages.","start":626.375,"end":628.135,"sentiment":"neutral","sentiment_score":-0.142379400630792},{"text":"This forklift business completely separate.","start":628.135,"end":630.61,"sentiment":"neutral","sentiment_score":-0.17661439776420593},{"text":"I'm not drawing any wages.","start":630.83,"end":632.37,"sentiment":"neutral","sentiment_score":-0.20217474102973937},{"text":"No one's drawing any wages off that.","start":632.51,"end":634.29,"sentiment":"neutral","sentiment_score":-0.2319083767277854}],"sentiment":"neutral","sentiment_score":-0.18328411297665703,"num_words":27,"start":626.21497,"end":634.29},{"sentences":[{"text":"Essentially, what yeah.","start":635.31,"end":638.26996,"sentiment":"neutral","sentiment_score":-0.06969507411122322},{"text":"What the what's coming in is essentially only covering finance on the equipment.","start":638.26996,"end":651.1925,"sentiment":"neutral","sentiment_score":-0.004472331717037237},{"text":"Yep.","start":654.67126,"end":655.17126,"sentiment":"neutral","sentiment_score":-0.10294707864522934},{"text":"Yeah.","start":673.53,"end":673.995,"sentiment":"neutral","sentiment_score":0.019451266154646873},{"text":"Yeah, that sounds alright.","start":675.035,"end":676.255,"sentiment":"neutral","sentiment_score":0.09162179753184319}],"sentiment":"neutral","sentiment_score":0.0007166292264380245,"num_words":22,"start":635.31,"end":676.255},{"sentences":[{"text":"Okay.","start":690.05,"end":690.55,"sentiment":"neutral","sentiment_score":-0.030094893649220467},{"text":"I thought that would have been some trauma 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sacrificing.","start":762.995,"end":765.815,"sentiment":"neutral","sentiment_score":0.08918702123420578},{"text":"I don't think so at this point in time.","start":776.17004,"end":779.07,"sentiment":"negative","sentiment_score":-0.379791968398624}],"sentiment":"neutral","sentiment_score":-0.06827799496906144,"num_words":21,"start":744.305,"end":779.07},{"sentences":[{"text":"There will be some more inheritance come through next month when my mother passed last year, so we're selling one of the properties.","start":781.05,"end":789.71,"sentiment":"neutral","sentiment_score":-0.17876712783523227},{"text":"So I'll be expecting another probably 70 odd grand to come in to my account, which will then offset just stay offset against the home loan.","start":790.375,"end":799.675,"sentiment":"neutral","sentiment_score":-0.09077108923632365},{"text":"And Yep.","start":802.615,"end":818.085,"sentiment":"neutral","sentiment_score":0.21739354729652405},{"text":"Yeah.","start":819.205,"end":819.525,"sentiment":"neutral","sentiment_score":0.1080799251794815},{"text":"Okay.","start":819.525,"end":820.025,"sentiment":"neutral","sentiment_score":0.012397775426506996}],"sentiment":"neutral","sentiment_score":-0.11163070688973058,"num_words":53,"start":781.05,"end":820.025},{"sentences":[{"text":"Yep.","start":823.445,"end":823.945,"sentiment":"neutral","sentiment_score":0.14574909210205078},{"text":"Yeah.","start":825.60504,"end":825.92505,"sentiment":"neutral","sentiment_score":0.10822813957929613},{"text":"Okay.","start":825.92505,"end":826.42505,"sentiment":"neutral","sentiment_score":0.11149731278419496},{"text":"Yeah.","start":827.445,"end":827.765,"sentiment":"neutral","sentiment_score":0.0913093239068985},{"text":"So and just basically top up to the the limit for my super, you mean?","start":827.765,"end":833.63995,"sentiment":"neutral","sentiment_score":0.11904852638641993}],"sentiment":"neutral","sentiment_score":0.11802693495624944,"num_words":19,"start":823.445,"end":833.63995},{"sentences":[{"text":"Yep.","start":842.845,"end":843.345,"sentiment":"neutral","sentiment_score":0.293201744556427},{"text":"Okay.","start":855.03,"end":855.53,"sentiment":"neutral","sentiment_score":0.010205036029219627},{"text":"Yep.","start":861.0375,"end":861.5375,"sentiment":"neutral","sentiment_score":-0.017080746591091156},{"text":"Let's look at 200 a fortnight.","start":879.20496,"end":882.02496,"sentiment":"neutral","sentiment_score":0.05585663517316183},{"text":"Yep.","start":899.455,"end":899.955,"sentiment":"neutral","sentiment_score":0.23462185263633728}],"sentiment":"neutral","sentiment_score":0.08560876976698636,"num_words":10,"start":842.845,"end":899.955},{"sentences":[{"text":"Yep.","start":905.615,"end":906.115,"sentiment":"neutral","sentiment_score":0.23071813583374023},{"text":"Yep.","start":906.415,"end":906.915,"sentiment":"neutral","sentiment_score":0.1970272958278656},{"text":"Yep.","start":908.415,"end":908.79,"sentiment":"neutral","sentiment_score":0.28435829281806946},{"text":"Yep.","start":921.35,"end":921.85,"sentiment":"neutral","sentiment_score":0.10953359305858612},{"text":"Yep.","start":927.325,"end":927.825,"sentiment":"neutral","sentiment_score":0.164979487657547}],"sentiment":"neutral","sentiment_score":0.19732336103916168,"num_words":5,"start":905.615,"end":927.825},{"sentences":[{"text":"We are considering building an investment property some stage in the next couple of years.","start":941.0,"end":947.99,"sentiment":"neutral","sentiment_score":0.13034325689077378},{"text":"Yeah.","start":956.02496,"end":956.26495,"sentiment":"neutral","sentiment_score":0.01999517902731895},{"text":"It could be twelve months.","start":956.26495,"end":957.46497,"sentiment":"neutral","sentiment_score":-0.0038531821221113203},{"text":"It could be two years.","start":957.46497,"end":958.605,"sentiment":"neutral","sentiment_score":0.012694425880908966},{"text":"Depends on land land releases up here.","start":958.985,"end":961.245,"sentiment":"neutral","sentiment_score":0.015190676652959414}],"sentiment":"neutral","sentiment_score":0.06441469659859483,"num_words":33,"start":941.0,"end":961.245},{"sentences":[{"text":"It's something that we we want to set up an investment originally and then with the plan that we would move into it in a few years' time after it depreciated a bit.","start":966.665,"end":979.89996,"sentiment":"neutral","sentiment_score":0.23962311909505815},{"text":"Yep.","start":991.90497,"end":992.40497,"sentiment":"neutral","sentiment_score":0.12855255603790283},{"text":"Yeah.","start":1003.84,"end":1004.08,"sentiment":"neutral","sentiment_score":0.06757652014493942},{"text":"Well, it's yeah.","start":1004.08,"end":1006.32,"sentiment":"neutral","sentiment_score":-0.007989893356959024},{"text":"We saw the new ship have bought out buildings.","start":1006.32,"end":1008.185,"sentiment":"neutral","sentiment_score":-0.04898114916351107}],"sentiment":"neutral","sentiment_score":0.16252961667611243,"num_words":47,"start":966.665,"end":1008.185},{"sentences":[{"text":"The only way we could negative gear it if it was if it was going to be negative gear geared and building a new one generally would be.","start":1008.185,"end":1015.16504,"sentiment":"neutral","sentiment_score":-0.3202643538159983},{"text":"Three stepdaughters.","start":1031.46,"end":1032.2,"sentiment":"neutral","sentiment_score":-0.005930917337536812},{"text":"However, they've all they're all not living at home.","start":1032.26,"end":1035.775,"sentiment":"neutral","sentiment_score":-0.013134700970517265},{"text":"So yep.","start":1037.355,"end":1040.095,"sentiment":"neutral","sentiment_score":0.08520447835326195},{"text":"My son is nine.","start":1040.795,"end":1042.175,"sentiment":"neutral","sentiment_score":0.08329031802713871}],"sentiment":"neutral","sentiment_score":-0.19097568492094677,"num_words":45,"start":1008.185,"end":1042.175},{"sentences":[{"text":"Yeah.","start":1042.9551,"end":1043.1951,"sentiment":"neutral","sentiment_score":0.1526181399822235},{"text":"The rest are all independent.","start":1043.1951,"end":1044.415,"sentiment":"neutral","sentiment_score":0.18537035286426545},{"text":"No.","start":1052.87,"end":1053.11,"sentiment":"neutral","sentiment_score":-0.1205834224820137},{"text":"I haven't.","start":1053.11,"end":1053.77,"sentiment":"neutral","sentiment_score":-0.1333717666566372},{"text":"Yep.","start":1063.255,"end":1063.755,"sentiment":"neutral","sentiment_score":0.03905198723077774}],"sentiment":"neutral","sentiment_score":0.07311949357390404,"num_words":10,"start":1042.9551,"end":1063.755},{"sentences":[{"text":"To go to Marnie as far as the beneficiary goes for now, but I do wanna do a will.","start":1063.815,"end":1069.755,"sentiment":"neutral","sentiment_score":0.028221780924420608},{"text":"Yep.","start":1087.27,"end":1087.545,"sentiment":"neutral","sentiment_score":0.04546751081943512},{"text":"Yep.","start":1105.7899,"end":1106.2899,"sentiment":"neutral","sentiment_score":-0.009885593317449093},{"text":"Yeah.","start":1116.11,"end":1116.61,"sentiment":"neutral","sentiment_score":0.07180199772119522},{"text":"Okay.","start":1116.99,"end":1117.49,"sentiment":"neutral","sentiment_score":0.09310483932495116}],"sentiment":"neutral","sentiment_score":0.03203054748313582,"num_words":23,"start":1063.815,"end":1117.49},{"sentences":[{"text":"Yep.","start":1117.835,"end":1118.335,"sentiment":"neutral","sentiment_score":0.15880516171455383},{"text":"Ongoing.","start":1133.98,"end":1134.48,"sentiment":"neutral","sentiment_score":0.053617238998413086},{"text":"Okay.","start":1145.02,"end":1145.4199,"sentiment":"neutral","sentiment_score":0.10020643472671507},{"text":"Lately here.","start":1145.4199,"end":1153.2749,"sentiment":"neutral","sentiment_score":0.12473922222852707},{"text":"Right.","start":1153.2749,"end":1153.7749,"sentiment":"neutral","sentiment_score":0.09722551703453064}],"sentiment":"neutral","sentiment_score":0.10988879948854446,"num_words":6,"start":1117.835,"end":1153.7749},{"sentences":[{"text":"Yep.","start":1160.315,"end":1160.815,"sentiment":"neutral","sentiment_score":0.08144435286521912},{"text":"Alright.","start":1162.4199,"end":1162.74,"sentiment":"neutral","sentiment_score":0.15618109703063965},{"text":"I'll I'll give that to you now.","start":1162.74,"end":1164.2799,"sentiment":"neutral","sentiment_score":0.19522913438933237},{"text":"Yep.","start":1167.46,"end":1167.96,"sentiment":"neutral","sentiment_score":0.07406780123710632},{"text":"Yep.","start":1173.145,"end":1173.645,"sentiment":"neutral","sentiment_score":0.03571103513240814}],"sentiment":"neutral","sentiment_score":0.15581892972642725,"num_words":11,"start":1160.315,"end":1173.645},{"sentences":[{"text":"No.","start":1174.345,"end":1174.585,"sentiment":"neutral","sentiment_score":-0.07406182587146759},{"text":"It's still Scobie.","start":1174.585,"end":1175.385,"sentiment":"neutral","sentiment_score":-0.04729889581600825},{"text":"She kept her surname, but it's Marnie Claire Scobie.","start":1175.385,"end":1177.885,"sentiment":"neutral","sentiment_score":-0.0016300563907457723},{"text":"I think it's c l a r e.","start":1181.3049,"end":1183.565,"sentiment":"neutral","sentiment_score":0.010293157305568457},{"text":"Yep.","start":1191.06,"end":1191.56,"sentiment":"neutral","sentiment_score":0.10137536376714706}],"sentiment":"neutral","sentiment_score":-0.002132199937477708,"num_words":22,"start":1174.345,"end":1191.56},{"sentences":[{"text":"Third of third seventy three.","start":1192.74,"end":1194.4401,"sentiment":"neutral","sentiment_score":0.022407855838537216},{"text":"Yep.","start":1206.035,"end":1206.535,"sentiment":"neutral","sentiment_score":0.11665409058332445},{"text":"Yep.","start":1209.395,"end":1209.895,"sentiment":"neutral","sentiment_score":0.251822829246521},{"text":"No.","start":1218.8501,"end":1219.3501,"sentiment":"neutral","sentiment_score":0.08609636127948761},{"text":"Okay.","start":1232.0651,"end":1232.5651,"sentiment":"neutral","sentiment_score":-0.04519267752766609}],"sentiment":"neutral","sentiment_score":0.05793554253048367,"num_words":9,"start":1192.74,"end":1232.5651},{"sentences":[{"text":"Okay.","start":1251.55,"end":1252.05,"sentiment":"neutral","sentiment_score":0.004499504342675209},{"text":"Yep.","start":1265.1649,"end":1265.6649,"sentiment":"neutral","sentiment_score":0.15851899981498718},{"text":"Yep.","start":1270.71,"end":1270.9501,"sentiment":"neutral","sentiment_score":0.12205687165260316},{"text":"No dramas.","start":1270.9501,"end":1271.6901,"sentiment":"neutral","sentiment_score":0.12584489583969116},{"text":"Yep.","start":1289.325,"end":1289.645,"sentiment":"neutral","sentiment_score":0.13750912249088287}],"sentiment":"neutral","sentiment_score":0.11237904833008845,"num_words":6,"start":1251.55,"end":1289.645},{"sentences":[{"text":"No worries.","start":1289.645,"end":1290.3049,"sentiment":"neutral","sentiment_score":0.18263091146945953},{"text":"Nothing.","start":1295.62,"end":1296.1,"sentiment":"neutral","sentiment_score":-0.027840204536914825},{"text":"That's it.","start":1296.1,"end":1296.84,"sentiment":"neutral","sentiment_score":0.004294588230550289},{"text":"Yep.","start":1306.18,"end":1306.425,"sentiment":"neutral","sentiment_score":0.18602365255355835},{"text":"So, normally, I'm working two and two.","start":1319.545,"end":1322.57,"sentiment":"neutral","sentiment_score":0.01682547839092357}],"sentiment":"neutral","sentiment_score":0.04998559970408678,"num_words":13,"start":1289.645,"end":1322.57},{"sentences":[{"text":"However, yeah, however, this time, I'm only going out for a week, and I'm taking a week leave because it's school holidays.","start":1323.83,"end":1330.01,"sentiment":"neutral","sentiment_score":-0.020990231243724174},{"text":"So I'll be back for three.","start":1333.19,"end":1334.715,"sentiment":"neutral","sentiment_score":0.1206128920118014},{"text":"Yep.","start":1343.6749,"end":1344.1749,"sentiment":"neutral","sentiment_score":0.14849720895290375},{"text":"Yep.","start":1344.395,"end":1344.895,"sentiment":"neutral","sentiment_score":0.117905393242836},{"text":"No worries.","start":1345.515,"end":1346.255,"sentiment":"neutral","sentiment_score":0.21924664825201035}],"sentiment":"neutral","sentiment_score":0.030212130106519908,"num_words":32,"start":1323.83,"end":1346.255},{"sentences":[{"text":"No worries.","start":1354.48,"end":1355.14,"sentiment":"neutral","sentiment_score":0.08479343727231026},{"text":"No.","start":1357.36,"end":1357.6,"sentiment":"neutral","sentiment_score":-0.21169203519821167},{"text":"I think that's it at this stage.","start":1357.6,"end":1359.06,"sentiment":"neutral","sentiment_score":-0.19308958841221674},{"text":"No worries.","start":1363.8401,"end":1364.3201,"sentiment":"positive","sentiment_score":0.3682410418987274},{"text":"Too easy.","start":1364.3201,"end":1364.673,"sentiment":"positive","sentiment_score":0.5249360203742981}],"sentiment":"neutral","sentiment_score":0.02804441750049591,"num_words":14,"start":1354.48,"end":1364.673},{"sentences":[{"text":"Alright.","start":1367.153,"end":1367.473,"sentiment":"positive","sentiment_score":0.4534413516521454},{"text":"Thank you.","start":1367.473,"end":1368.1329,"sentiment":"positive","sentiment_score":0.7166962921619415}],"sentiment":"positive","sentiment_score":0.6289446453253428,"num_words":3,"start":1367.153,"end":1368.1329}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Matt.\n\nChannel 0: Good day, Matt. It's Tommy here, senior adviser from Oakview. How are you going today?\n\nChannel 1: Good. Thanks for coming. Yourself?\n\nChannel 0: Mate, living the dream. It's been a beautiful first day back. How's the weather your way?\n\nChannel 1: Yeah. Beautiful at the moment.\n\nChannel 0: Cool. Cool.\n\nChannel 1: Sorry.\n\nChannel 0: You got a bit of time off work at the moment? Are you on your off week or\n\nChannel 1: No. I fly back today.\n\nChannel 0: fly back today. Alright. Well, thank you\n\nChannel 1: Yep.\n\nChannel 0: for spending a bit of time with me this morning. I'm just gonna go through the portfolio updates with you today. Do you mind if I just go through that quick security check with\n\nChannel 1: Alright. No.\n\nChannel 0: you? Perfect. So calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: 09/07/3434. Todd Crescent Milak.\n\nChannel 0: Sensational. Now, Matt, I've been going through your file this morning. We I had you booked in a couple of weeks ago, but then I went on a bit of paternity leave. And\n\nChannel 1: Yep.\n\nChannel 0: I just\n\nChannel 1: Well, congratulations.\n\nChannel 0: wanted to thank you. Thank you, mate. Number three, got the the daughter here now for the two\n\nChannel 1: Yeah.\n\nChannel 0: boys. So if I am a little bit slower in my words, I've had a decent amount of sleep. But if you need me to repeat anything, just let me know. Okay?\n\nChannel 1: Yep. Yep. My dramas.\n\nChannel 0: Cool. Now going through a few things, earlier in the year, you had a conversation with Carl about keeping a flag on your portfolio for Netwealth for one of the investment options that wasn't doing too well. The rest of them all doing pretty good. But do you remember that Benelon option that he flagged with you?\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I've been having a look at that one today. It hasn't really come back the way it should have the last three months because most of the Australian shares have kind of picked back up a little bit since that market drop. So I\n\nChannel 1: Yep.\n\nChannel 0: wanted to talk to you today about getting a bit of a replacement going for that one. Have you logged on to Netwealth the last six months or so?\n\nChannel 1: Not really since I last spoke with him.\n\nChannel 0: No. That's okay. So you're sitting up to 267,100 today. Most\n\nChannel 1: Yep.\n\nChannel 0: of the investment options picked up really well since that market drop in February and March, and they've all jumped up double digits. So everything is looking pretty good. It's just that one option that's still in the negative where most Australian options have been growing again. This one's still just dragging its feet a little bit too slowly, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanted to ask you today, just because it has been a little while, I'm gonna double check just a couple of details at the end. But I wanna do a bit of a portfolio update with you just to make sure everything's kind of rebalanced, all the options are in the correct weightings, and things like that. Matt, do you have a bit of a preference at all between going for kind of low fee investments that follow the market versus paying a bit extra to try and get a higher return? Do you have a strong leaning either way?\n\nChannel 1: No. Neutral.\n\nChannel 0: Cool. I've already done some research on some replacement options before I went on leave just with our investment committee. So\n\nChannel 1: Yep.\n\nChannel 0: I can pretty much get a replacement like for like. Similar style is just gonna be a little bit cheaper, a little bit better performing for that option. While I'm at it, do you mind if I just look through the rest of the portfolio and see if there's a few other options I'd like to update?\n\nChannel 1: Not at all.\n\nChannel 0: Perfect. Perfect. Perfect. Just going through a couple things with you as well. I'm just gonna touch on the insurances because policy anniversaries and the like.\n\nHave you had any changes with the income? I think we had you on a 133,000.\n\nChannel 1: It's gone up a touch. I don't well, sorry. It's about to go up. It should have gone up two months ago, but I've had a I've had a change of job description or job role out at the mine. So it has increased, but I think it's up to about one thirty six.\n\nChannel 0: Yep. So it's still flowing through. I'll probably notice that in the next contribution next month. I'll put down\n\nChannel 1: You\n\nChannel 0: $1.36\n\nChannel 1: may\n\nChannel 0: for\n\nChannel 1: not\n\nChannel 0: now.\n\nChannel 1: having any issue in there at the moment with it. With yeah. It should've been effective the April 27. So\n\nChannel 0: Okay.\n\nChannel 1: there's, yeah, there's some issue in the background that I'm trying to get resolved at the moment.\n\nChannel 0: I did see the frequency changed, which was good because it means, I think are you paid monthly\n\nChannel 1: Portnoyly.\n\nChannel 0: Fortnightly. Yep. Okay. So they did do something with the contributions where there was some larger\n\nChannel 1: Okay.\n\nChannel 0: amounts coming in slower. Now they're coming in a bit quicker. And then when the new legislation kicks in, they'll be paying it fortnightly, which means it'll come in a lot faster and it will average out through the year. That's gonna be a lot better for your investments as well. So it just means it\n\nChannel 1: Yeah.\n\nChannel 0: gets to\n\nChannel 1: Okay.\n\nChannel 0: buy more\n\nChannel 1: Yep.\n\nChannel 0: frequently. So I'll put $1.36 in for now. Now with the change in descriptions and\n\nChannel 1: Service\n\nChannel 0: duties, what can I put down just for the occupation title and duties?\n\nChannel 1: crew is the occupation title,\n\nChannel 0: Yep.\n\nChannel 1: which yeah. That's I don't know. Does that is there like a just trying to work out. Is it like a like a list you've got to choose from or this service crew suit?\n\nChannel 0: There's always lists. Service crew is fine, but anything in terms of daily duties you can give me helps me kind of explain it, and then they tell us\n\nChannel 1: Oh,\n\nChannel 0: which\n\nChannel 1: yeah.\n\nChannel 0: category it links closer to.\n\nChannel 1: So it's working underground at heights, installing ventilation, ducting, poly pipe work, pumps. That's probably the main three things.\n\nChannel 0: Yep. Perfect. Mate, that matches pretty close to what I had before. I guess I've just updated contracts and the like, have they?\n\nChannel 1: Yeah. Before I was drill off sorter. But, yeah, similar sort of stuff.\n\nChannel 0: Yep. And is that still with Newmont?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Sensational. Alright. So I've updated that. That's cool.\n\nI just wanted to check that because of the income protection. Do you know I'm gonna send through your certificate of currency so you've got your insurance policies handy. And, of course,\n\nChannel 1: Yep.\n\nChannel 0: anything ever happens, you just give us a call, and we'll launch a claim and help you through the claims process. But\n\nChannel 1: Yep.\n\nChannel 0: you're paying,\n\nChannel 1: Yep.\n\nChannel 0: like, a small amount monthly through the credit card for that extra definition for the income protection if that rings a bell.\n\nChannel 1: Yeah. It rings a bell.\n\nChannel 0: So because the cover amount is 8 triple 9 per month, so $9 flat,\n\nChannel 1: Yep.\n\nChannel 0: that's usually got you at that sort of 75% of the income, which with your income just jumping up a bit kinda gets it close because they increase your cover every year. It's like a cheap way of getting more cover, but it does increase the premiums. So I was just worried\n\nChannel 1: Yep. Yep.\n\nChannel 0: that you might be a bit over insured. You might be a touch. You might be a touch. So if I work it off $1.36 just bear with me for two secs. Yeah.\n\nYou probably your max should be 8,500, not 8,900. So I might look at a quick little trim down for that. Are you expecting some more increases?\n\nChannel 1: Yeah. So that's my base wage, but then I paid in additional duties on top of that. I\n\nChannel 0: Yep.\n\nChannel 1: don't know if that comes into effect.\n\nChannel 0: Yeah. It kinda does too. So in terms of, like would you call it, like, a bonus or an overtime, or is it more like allowances?\n\nChannel 1: Allowances.\n\nChannel 0: Balances. Yep. Cool.\n\nChannel 1: We do get\n\nChannel 0: Alright.\n\nChannel 1: a yearly bonus. Well, it was a quarterly bonus, but it's just moved to a yearly bonus.\n\nChannel 0: Yeah. It was quarterly before. So your tax return, you'd be on what? Like, well over one one forty, one fifty at least.\n\nChannel 1: I'm just looking at my last payslip now.\n\nChannel 0: It's running a week off.\n\nChannel 1: So total total earnings year to date is $1.53.\n\nChannel 0: $1.53. Perfect. So that means that if you were to go to claim, they would work it off the $1.53 plus what they're expecting for the next week, and they\n\nChannel 1: Yep.\n\nChannel 0: would do the percentage off of that. So you're you're totally fine there.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. So that's perfect. Just quickly on the life and TPD, 1.2 mil of life insurance total disability lump sums, which\n\nChannel 1: Yep.\n\nChannel 0: last check I did with the mortgage, we had you at $460,000 owing. Have you had any changes in the assets and liabilities?\n\nChannel 1: Of two seconds. Let me have a look at my bank.\n\nChannel 0: While you're doing that, I might do a quick online evaluation for\n\nChannel 1: Yep.\n\nChannel 0: Todd Crescent. Reckon $775,000 value sounds about right.\n\nChannel 1: Yeah. Probably would be.\n\nChannel 0: Fantastic.\n\nChannel 1: And $39.03 point Yeah. So owing would be about the same as before.\n\nChannel 0: Yep.\n\nChannel 1: I never there's there is a separate loan tied to tied to the mortgage, which is with a different thing, which I've never actually considered.\n\nChannel 0: Yeah.\n\nChannel 1: But then I've got about one fifty offset against it as well.\n\nChannel 0: Oh, not bad at all. One\n\nChannel 1: Yeah.\n\nChannel 0: 50 in the offset against that. I think the only other assets we had was, like, car tools, home, and offset account savings. Is that pretty much it for assets?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And there was a bit of a note, and I apologize if this is a bit old. New system, I'm just cross referencing the info about starting a bit of a forklift business at some point. Was that really old, or is that still current?\n\nChannel 1: That's been started. So we started that.\n\nChannel 0: Yep.\n\nChannel 1: So I've been operating over twelve months where I'm a director of that.\n\nChannel 0: K. And the\n\nChannel 1: There's\n\nChannel 0: twelve\n\nChannel 1: three\n\nChannel 0: months.\n\nChannel 1: of us for the directors.\n\nChannel 0: Three directors. And so employment wise, it all just it's all just getting paid through Newmont? Do you does it flow through your company at all, or is it just coming to you in terms of wages and that's it?\n\nChannel 1: No. That just comes to me in terms of wages. This forklift business completely separate. I'm not\n\nChannel 0: Yep.\n\nChannel 1: drawing any wages. No one's drawing any wages off that. Essentially,\n\nChannel 0: Yeah. You're still in\n\nChannel 1: what\n\nChannel 0: the first few years.\n\nChannel 1: yeah. What the what's coming in is essentially only covering finance on\n\nChannel 0: Yep. Okay. That's easy done. So I'll leave\n\nChannel 1: the\n\nChannel 0: that off to the side, make a quick note of it. So in terms of those lump\n\nChannel 1: equipment.\n\nChannel 0: sums, if you get the let's say you hurt your back\n\nChannel 1: Yep.\n\nChannel 0: out of work and they're like, mate, you're not going back to work, you get your 1.2 mil, you get your income protection kicking in after that, mortgages paid off, and you've got about eight years worth of net income replaced. How's that sort of sounding for you and the family in terms of that, what that looks like for for\n\nChannel 1: Yeah.\n\nChannel 0: Manny and the kids?\n\nChannel 1: Yeah, that sounds alright.\n\nChannel 0: K. So I'll leave those alone, and I don't think you've got, like, trauma insurance for heart attack, stroke, and cancer. That's the one that's out of pocket only. Do you want me to get a quote for that or just leave it as life TBD income protection?\n\nChannel 1: Okay. I thought that would have been some trauma insurance.\n\nChannel 0: I'm gonna have\n\nChannel 1: Yeah.\n\nChannel 0: a quick double check. We've got the split income protection there. No. Sorry. You are right.\n\nIt was underneath your income protection definition for a 109,000. That's\n\nChannel 1: Yep.\n\nChannel 0: 54 a month. The income protection's 10 a month. So is that is that amount still okay? I know the premiums jumped up a little bit.\n\nChannel 1: Yes. Yeah. I guess it would\n\nChannel 0: K.\n\nChannel 1: be. Yeah.\n\nChannel 0: Yep. And, again, that's mainly, like gives your partner some time to, like, take time off work or whatever's need be to to be alongside you. If you have that cancer diagnosis, you go hunt around for your best doctors. You guys relax together for a few months and get it sorted kind of thing. Anything more serious.\n\nAnd if you're off work because of it, income protection kicks in. If something permanent happens, there's your TPD. There's your life insurance.\n\nChannel 1: Yep. Yeah. Okay. Yeah. That makes sense.\n\nChannel 0: Cool. So I won't make any alterations to the cover. It will just be the portfolio at the moment. Do you want me to put any comparisons in for, like, salary sacrifice or any additional contributions for the financial year into super?\n\nChannel 1: I do want to start salary sacrificing.\n\nChannel 0: Is there another priority we need to take into account in terms of the mortgage or any other cash flow priorities for the business and things?\n\nChannel 1: I don't think so at this point in time. There will be some more inheritance come through next month when my mother passed last year, so\n\nChannel 0: Yep.\n\nChannel 1: we're selling one of the properties. So I'll be expecting another probably 70 odd grand to come in to my account, which will then offset just stay offset against the home loan.\n\nChannel 0: Yep. Yep. That's a good idea. One\n\nChannel 1: And\n\nChannel 0: of the things you can do is lump sums after the financial year gets to the end of next financial year. Like, one of the strategies some people do is they keep it in their offset for that eleven months, offset the mortgage, and then maybe dump a bit into super during next year.\n\nChannel 1: Yep.\n\nChannel 0: I probably\n\nChannel 1: Yeah.\n\nChannel 0: wouldn't\n\nChannel 1: Okay.\n\nChannel 0: be rushing to put anything in as soon as you get it kind of thing because you can get a bit of\n\nChannel 1: Yep.\n\nChannel 0: a double benefit from it.\n\nChannel 1: Yeah. Okay. Yeah. So and just basically top up to the the limit for my super, you mean?\n\nChannel 0: Yeah. So you've got your nonconcessionals and your concessionals. They've increased the concessionals to 32 and a half thousand. So what\n\nChannel 1: Yep.\n\nChannel 0: work puts in, you can do another 500 a fortnight safely enough without breaching the cap in terms of ongoing. And then lump sums, you've got heaps of room to do anything you haven't used\n\nChannel 1: Okay.\n\nChannel 0: the last five years, but that's something I'll probably talk to you about in about ten ten months' time\n\nChannel 1: Yep.\n\nChannel 0: if it becomes necessary. In terms of the regulars, do you want me to put any kind of projection in there for 100 a fortnight, 200, 500 a fortnight, anything that you can afford to to put in there without missing?\n\nChannel 1: Let's look at 200 a fortnight.\n\nChannel 0: Yep. K. 200 a fortnight. In terms of the goals themselves, so I'm just looking at retirement age. You've still got a little while to go.\n\nWe were looking at as early as possible, like 65 being the minimum, $8.60 being the ideal on that kind\n\nChannel 1: Yep.\n\nChannel 0: of mortgage paid off 75,000 a year tax free. Does that still sound about the the idea\n\nChannel 1: Yep.\n\nChannel 0: is just get\n\nChannel 1: Yep.\n\nChannel 0: as much in there as quick as possible?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'll do the usual, like, ten year projection update. For now, when we get a bit closer to retirement, I'll do a bit more of an analysis because, obviously, I can't project out thirty, forty years right now. But as we get\n\nChannel 1: Yep.\n\nChannel 0: closer and closer, we then start to check whether you're gonna be on track for the goal, how long is it gonna last.\n\nChannel 1: Yep.\n\nChannel 0: Is there anything else on the cards for you guys the next few years? Because we've got the super, the coverage, the business, the work, the mortgage. It's quite a bit on the plate. Is there anything else that you're working on?\n\nChannel 1: We are considering building an investment property some stage in the next couple of years.\n\nChannel 0: Yep. Building investment property. Is that more like a twelve months or wouldn't have a clue on figures come back to that in a couple years kind of thing?\n\nChannel 1: Yeah. It could be twelve months. It could be two years.\n\nChannel 0: Yep.\n\nChannel 1: Depends on land land releases up here.\n\nChannel 0: Yeah. Cool. You reckon it's a good area to to pick something up for you guys?\n\nChannel 1: It's something that we we want to set up an investment originally and then with the plan that we would move into it in a few years' time after it depreciated a bit.\n\nChannel 0: Perfect. When we get a bit closer down the line, we'll obviously talk about any finalized changes in terms of the budgets and taxes and all that kind of thing. So\n\nChannel 1: Yep.\n\nChannel 0: once something actually gets across the line and is in force, I'll I'll let you know in the next catch up what that might affect in terms of building. But building new is pretty much your safest bet anyway, even with everything\n\nChannel 1: Yeah. Well,\n\nChannel 0: they\n\nChannel 1: it's\n\nChannel 0: originally talked about.\n\nChannel 1: yeah. We saw the new ship have bought out buildings. The only way we could negative gear it if it was if it was going to be negative gear geared and building a new one generally would be.\n\nChannel 0: Yep. Exactly right. So that's pretty cool. Alright. So we've got plenty in terms of the goals there.\n\nJust quickly on a couple of details to update. I had in terms of dependents, you've got your son and three stepdaughters. Is that still current dependents?\n\nChannel 1: Three stepdaughters. However, they've all they're all not living at home.\n\nChannel 0: Yep. Alright. So all\n\nChannel 1: So\n\nChannel 0: independent except for the sun.\n\nChannel 1: yep. My son is nine. Yeah. The rest are all independent.\n\nChannel 0: Fantastic. Alrighty. Estate planning wise, did you end up getting, like, a will in place or anything like that?\n\nChannel 1: No. I haven't.\n\nChannel 0: Cool. Do you want me to send any forms for beneficiary updates? What's your preference? Is it just to go to money?\n\nChannel 1: Yep. To go to Marnie as far as the beneficiary goes for now, but I do wanna do a will.\n\nChannel 0: Yep. Perfect. So one thing that I won't I've actually been talking to people about for, like, the last twelve years quite a lot is testamentary trust wills where your first port of call is, let's say, your super, your life insurance, your house all goes to your partner. One thing\n\nChannel 1: Yep.\n\nChannel 0: that you can do is establish through the will, like, a trust fund for the kids, and that can show, you know, how you want funds distributed out, but they may actually be falling into some of these new tax rules for trust funds. So I wouldn't jump on that right now. It's a few thousand dollars, and they may be\n\nChannel 1: Yep.\n\nChannel 0: changing the rules on them. But just that basic will even, you know, from the post office, they're legal, solicitor, courthouse. There's a few different ways to get the basic one set up.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Cool. So I'll double check, make sure we've got all the forms ready to go for the super and the life insurance. I'll double check what's in place. You do have an option for the beneficiary nominations to expire every three years or just have it ongoing? Up to you.\n\nChannel 1: Ongoing.\n\nChannel 0: Yep. And bit of a silly question, but you can choose for it to be nonlegally binding. So the super fund has discretion or make it legally binding. They have to do it.\n\nChannel 1: Okay. Lately\n\nChannel 0: Yep. Easy done. So we just call that a binding non lapsing, and that's one of the tick boxes on the form.\n\nChannel 1: here. Right.\n\nChannel 0: Do you want me to grab Manny's date of birth now and pre fill the forms, or are you okay just filling\n\nChannel 1: Yep.\n\nChannel 0: in when we flick them through to you?\n\nChannel 1: Alright. I'll I'll give that to you now.\n\nChannel 0: Yeah. Go for it. So I've got, obviously, same address. Right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Full name would be Manny Scobey. Is it now\n\nChannel 1: Yep. No. It's still Scobie. She kept her surname, but it's Marnie Claire Scobie.\n\nChannel 0: Claire, c l a I r e\n\nChannel 1: I think it's c l a r e.\n\nChannel 0: r e, and then Scobie, s c o b I e. Perfect. And\n\nChannel 1: Yep.\n\nChannel 0: date of birth?\n\nChannel 1: Third of third seventy three.\n\nChannel 0: Date of birth 1973. Cool. So I'll just prefill that your details, the accounts, policies, her details in there. You've basically just got to sign and get two witnesses that aren't money just to do\n\nChannel 1: Yep.\n\nChannel 0: it on the same day or same date.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alrighty. Mate, I've got a pretty good idea of updating a bit of a plan for you. Any questions so far?\n\nChannel 1: No.\n\nChannel 0: Cool. Cool. One thing I will do as well, if it's okay with you, is I was gonna send you out a bit of an updated service agreement just because the last one expired before Christmas time. But we're moving over\n\nChannel 1: Okay.\n\nChannel 0: to a new fee structure in a couple of weeks, which basically sees that because you're sitting at 267,000, everyone above 200,000 goes down from 1.65% to 1.375, and we've we're including a bit of a tiering now. So instead of one point\n\nChannel 1: Okay.\n\nChannel 0: six five all the way along, it drops after 200,000, drops again after 500,000, drops again after a million. So if you're okay to just kind of hold tight for a week, I would prefer\n\nChannel 1: Yep.\n\nChannel 0: to put you on one of the new ones if that's okay with you, and I'll get the plan together at the same time.\n\nChannel 1: Yep. No dramas.\n\nChannel 0: Cool. So I won't send you anything today. I will send through, like, your certificates of currency for the insurance performance update from Netwealth. But what I'll basically do is I'll put together the new plan with the updates for the investments. We'll include all the new agreements and packs and everything all on the one go.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beauty. Is there anything I haven't covered for you today?\n\nChannel 1: Nothing. That's it.\n\nChannel 0: Cool. If there's anything else, I'll get the team to reach out to you. But, basically, we will pretty much give you a call in a fortnight just to go through that plan together. I've just gotta\n\nChannel 1: Yep.\n\nChannel 0: put it together, and I've had a few people book in already while I was on leave, so we'll give you a buzz in about two weeks. What's your availability like, like, when are you in and out of town? Two\n\nChannel 1: So, normally, I'm working two and two.\n\nChannel 0: and two?\n\nChannel 1: However, yeah, however, this time, I'm only going out for a week, and I'm taking a week leave because it's school holidays.\n\nChannel 0: Oh, amazing. Week and\n\nChannel 1: So\n\nChannel 0: one\n\nChannel 1: I'll\n\nChannel 0: week\n\nChannel 1: be\n\nChannel 0: off\n\nChannel 1: back for\n\nChannel 0: school\n\nChannel 1: three.\n\nChannel 0: holidays. Back for three. Awesome. So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next\n\nChannel 1: Yep.\n\nChannel 0: next stint.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beautiful. Alright, Matt. Thank you so much for your time today. I know you're about to fly off, so I don't wanna keep you for too long when you've got some things you wanna do. Is there anything else\n\nChannel 1: No worries.\n\nChannel 0: I can help you with before I let you go?\n\nChannel 1: No. I think that's it at this stage.\n\nChannel 0: Awesome, mate. I will I'll get stuck into it and talk to you in a couple of weeks.\n\nChannel 1: No worries. Too easy.\n\nChannel 0: Thank you, mate. Have a great day.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.06002507358789444},{"text":"This is Matt.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.0764674295981725}],"sentiment":"neutral","sentiment_score":0.07235684059560299,"channel":1,"num_words":4,"start":1.5999999,"end":2.74},{"sentences":[{"text":"Good day, Matt.","start":3.28,"end":3.9199998,"sentiment":"positive","sentiment_score":0.3863745133082072},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.9199998,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.22682115861347743},{"text":"How are you going today?","start":5.7599998,"end":6.74,"sentiment":"neutral","sentiment_score":0.2296918660402298}],"sentiment":"neutral","sentiment_score":0.2596887320280075,"channel":0,"num_words":15,"start":3.28,"end":6.74},{"sentences":[{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.4001719653606415},{"text":"Thanks for coming.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.5485602021217346},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.4169079065322876}],"sentiment":"positive","sentiment_score":0.4925520956516266,"channel":1,"num_words":5,"start":6.8799996,"end":8.18},{"sentences":[{"text":"Mate, living the dream.","start":8.4,"end":9.28,"sentiment":"positive","sentiment_score":0.5009299367666245},{"text":"It's been a beautiful first day back.","start":9.28,"end":11.139999,"sentiment":"positive","sentiment_score":0.7063168116978237},{"text":"How's the weather your way?","start":11.44,"end":12.735,"sentiment":"neutral","sentiment_score":0.31327959299087527}],"sentiment":"positive","sentiment_score":0.5321459621191025,"channel":0,"num_words":16,"start":8.4,"end":12.735},{"sentences":[{"text":"Yeah.","start":13.125,"end":13.445,"sentiment":"neutral","sentiment_score":0.3300843834877014},{"text":"Beautiful at the moment.","start":13.445,"end":14.665,"sentiment":"positive","sentiment_score":0.5352166816592216}],"sentiment":"positive","sentiment_score":0.4941902220249176,"channel":1,"num_words":5,"start":13.125,"end":14.665},{"sentences":[{"text":"Cool.","start":15.054999,"end":15.295,"sentiment":"positive","sentiment_score":0.3446670174598694},{"text":"Cool.","start":15.295,"end":15.375,"sentiment":"neutral","sentiment_score":0.13688373565673828}],"sentiment":"neutral","sentiment_score":0.24077537655830383,"channel":0,"num_words":2,"start":15.054999,"end":15.375},{"sentences":[{"text":"Sorry.","start":15.365,"end":15.865,"sentiment":"neutral","sentiment_score":-0.004045084118843079}],"sentiment":"neutral","sentiment_score":-0.004045084118843079,"channel":1,"num_words":1,"start":15.365,"end":15.865},{"sentences":[{"text":"You got a bit of time off work at the moment?","start":15.375,"end":17.135,"sentiment":"neutral","sentiment_score":-0.020014554346826943},{"text":"Are you on your off week 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year.","start":267.035,"end":274.99002,"sentiment":"neutral","sentiment_score":0.12518481023866554},{"text":"That's gonna be a lot better for your investments as well.","start":275.05002,"end":277.37,"sentiment":"neutral","sentiment_score":0.2771161740476435},{"text":"So it just means it","start":277.37,"end":278.09,"sentiment":"neutral","sentiment_score":0.055729993432760236}],"sentiment":"neutral","sentiment_score":0.11776968421846894,"channel":0,"num_words":56,"start":263.835,"end":278.09},{"sentences":[{"text":"Yeah.","start":278.04,"end":278.36002,"sentiment":"neutral","sentiment_score":0.06301280111074448}],"sentiment":"neutral","sentiment_score":0.06301280111074448,"channel":1,"num_words":1,"start":278.04,"end":278.36002},{"sentences":[{"text":"gets 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as you get it kind of thing because you can get a bit of","start":819.665,"end":823.505,"sentiment":"neutral","sentiment_score":0.10119356909258799}],"sentiment":"neutral","sentiment_score":0.10119356909258799,"channel":0,"num_words":22,"start":819.665,"end":823.505},{"sentences":[{"text":"Yep.","start":823.445,"end":823.945,"sentiment":"neutral","sentiment_score":0.14574909210205078}],"sentiment":"neutral","sentiment_score":0.14574909210205078,"channel":1,"num_words":1,"start":823.445,"end":823.945},{"sentences":[{"text":"a double benefit from 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prefer","start":1260.46,"end":1265.595,"sentiment":"neutral","sentiment_score":0.009292710572481155}],"sentiment":"neutral","sentiment_score":-0.00864882224372455,"channel":0,"num_words":35,"start":1251.645,"end":1265.595},{"sentences":[{"text":"Yep.","start":1265.1649,"end":1265.6649,"sentiment":"neutral","sentiment_score":0.15851899981498718}],"sentiment":"neutral","sentiment_score":0.15851899981498718,"channel":1,"num_words":1,"start":1265.1649,"end":1265.6649},{"sentences":[{"text":"to put you on one of the new ones if that's okay with you, and I'll get the plan together at the same time.","start":1265.595,"end":1270.415,"sentiment":"neutral","sentiment_score":0.17396692900607982}],"sentiment":"neutral","sentiment_score":0.17396692900607982,"channel":0,"num_words":24,"start":1265.595,"end":1270.415},{"sentences":[{"text":"Yep.","start":1270.71,"end":1270.9501,"sentiment":"neutral","sentiment_score":0.12205687165260316},{"text":"No dramas.","start":1270.9501,"end":1271.6901,"sentiment":"neutral","sentiment_score":0.12584489583969116}],"sentiment":"neutral","sentiment_score":0.12458222111066185,"channel":1,"num_words":3,"start":1270.71,"end":1271.6901},{"sentences":[{"text":"Cool.","start":1272.075,"end":1272.395,"sentiment":"positive","sentiment_score":0.3850997388362885},{"text":"So I won't send you anything today.","start":1272.395,"end":1274.095,"sentiment":"neutral","sentiment_score":0.16116201877593994},{"text":"I will send through, like, your certificates of currency for the insurance performance update from Netwealth.","start":1274.395,"end":1280.34,"sentiment":"neutral","sentiment_score":0.13850611448287964},{"text":"But what I'll basically do is I'll put together the new plan with the updates for the investments.","start":1280.64,"end":1284.66,"sentiment":"neutral","sentiment_score":0.22252782848146227},{"text":"We'll include all the new agreements and packs and everything all on the one go.","start":1284.96,"end":1288.74,"sentiment":"neutral","sentiment_score":0.22990468442440032}],"sentiment":"neutral","sentiment_score":0.1962000505443205,"channel":0,"num_words":57,"start":1272.075,"end":1288.74},{"sentences":[{"text":"Yep.","start":1289.325,"end":1289.645,"sentiment":"neutral","sentiment_score":0.13750912249088287},{"text":"No worries.","start":1289.645,"end":1290.3049,"sentiment":"neutral","sentiment_score":0.18263091146945953}],"sentiment":"neutral","sentiment_score":0.1675903151432673,"channel":1,"num_words":3,"start":1289.325,"end":1290.3049},{"sentences":[{"text":"Beauty.","start":1290.735,"end":1291.235,"sentiment":"neutral","sentiment_score":0.23711109161376953},{"text":"Is there anything I haven't covered for you today?","start":1291.455,"end":1294.195,"sentiment":"neutral","sentiment_score":0.037769079932736024}],"sentiment":"neutral","sentiment_score":0.057703281100839374,"channel":0,"num_words":10,"start":1290.735,"end":1294.195},{"sentences":[{"text":"Nothing.","start":1295.62,"end":1296.1,"sentiment":"neutral","sentiment_score":-0.027840204536914825},{"text":"That's it.","start":1296.1,"end":1296.84,"sentiment":"neutral","sentiment_score":0.004294588230550289}],"sentiment":"neutral","sentiment_score":-0.006417009358604749,"channel":1,"num_words":3,"start":1295.62,"end":1296.84},{"sentences":[{"text":"Cool.","start":1297.295,"end":1297.795,"sentiment":"neutral","sentiment_score":0.1914595067501068},{"text":"If there's anything else, I'll get the team to reach out to you.","start":1297.855,"end":1300.575,"sentiment":"neutral","sentiment_score":0.15216488792346075},{"text":"But, basically, we will pretty much give you a call in a fortnight just to go through that plan together.","start":1300.575,"end":1305.61,"sentiment":"neutral","sentiment_score":0.19541458934545516},{"text":"I've just gotta","start":1305.61,"end":1306.25,"sentiment":"neutral","sentiment_score":0.1643835852543513}],"sentiment":"neutral","sentiment_score":0.17759582682235822,"channel":0,"num_words":37,"start":1297.295,"end":1306.25},{"sentences":[{"text":"Yep.","start":1306.18,"end":1306.425,"sentiment":"neutral","sentiment_score":0.18602365255355835}],"sentiment":"neutral","sentiment_score":0.18602365255355835,"channel":1,"num_words":1,"start":1306.18,"end":1306.425},{"sentences":[{"text":"put it together, and I've had a few people book in already while I was on leave, so we'll give you a buzz in about two weeks.","start":1306.25,"end":1313.5499,"sentiment":"neutral","sentiment_score":0.17308217342253085},{"text":"What's your availability like, like, when are you in and out of town?","start":1314.09,"end":1318.91,"sentiment":"neutral","sentiment_score":0.029879229429822702},{"text":"Two","start":1319.025,"end":1319.525,"sentiment":"neutral","sentiment_score":0.002255860716104507}],"sentiment":"neutral","sentiment_score":0.12350986648078371,"channel":0,"num_words":41,"start":1306.25,"end":1319.525},{"sentences":[{"text":"So, normally, I'm working two and two.","start":1319.545,"end":1322.57,"sentiment":"neutral","sentiment_score":0.01682547839092357}],"sentiment":"neutral","sentiment_score":0.01682547839092357,"channel":1,"num_words":7,"start":1319.545,"end":1322.57},{"sentences":[{"text":"and two?","start":1323.505,"end":1324.245,"sentiment":"neutral","sentiment_score":0.009368868544697762}],"sentiment":"neutral","sentiment_score":0.009368868544697762,"channel":0,"num_words":2,"start":1323.505,"end":1324.245},{"sentences":[{"text":"However, yeah, however, this time, I'm only going out for a week, and I'm taking a week leave because it's school holidays.","start":1323.83,"end":1330.01,"sentiment":"neutral","sentiment_score":-0.020990231243724174}],"sentiment":"neutral","sentiment_score":-0.020990231243724174,"channel":1,"num_words":22,"start":1323.83,"end":1330.01},{"sentences":[{"text":"Oh, amazing.","start":1330.7051,"end":1331.4451,"sentiment":"neutral","sentiment_score":0.29995062947273254},{"text":"Week and","start":1332.52,"end":1333.24,"sentiment":"neutral","sentiment_score":0.08242619037628174}],"sentiment":"neutral","sentiment_score":0.19118840992450714,"channel":0,"num_words":4,"start":1330.7051,"end":1333.24},{"sentences":[{"text":"So","start":1333.19,"end":1333.4299,"sentiment":"neutral","sentiment_score":0.06376364082098007}],"sentiment":"neutral","sentiment_score":0.06376364082098007,"channel":1,"num_words":1,"start":1333.19,"end":1333.4299},{"sentences":[{"text":"one","start":1333.24,"end":1333.48,"sentiment":"neutral","sentiment_score":0.1830028295516968}],"sentiment":"neutral","sentiment_score":0.1830028295516968,"channel":0,"num_words":1,"start":1333.24,"end":1333.48},{"sentences":[{"text":"I'll","start":1333.4299,"end":1333.59,"sentiment":"neutral","sentiment_score":0.12320297956466676}],"sentiment":"neutral","sentiment_score":0.12320297956466676,"channel":1,"num_words":1,"start":1333.4299,"end":1333.59},{"sentences":[{"text":"week","start":1333.48,"end":1333.8,"sentiment":"neutral","sentiment_score":0.10870154201984406}],"sentiment":"neutral","sentiment_score":0.10870154201984406,"channel":0,"num_words":1,"start":1333.48,"end":1333.8},{"sentences":[{"text":"be","start":1333.59,"end":1333.83,"sentiment":"neutral","sentiment_score":0.10676954686641692}],"sentiment":"neutral","sentiment_score":0.10676954686641692,"channel":1,"num_words":1,"start":1333.59,"end":1333.83},{"sentences":[{"text":"off","start":1333.8,"end":1334.12,"sentiment":"neutral","sentiment_score":0.08141067624092102}],"sentiment":"neutral","sentiment_score":0.08141067624092102,"channel":0,"num_words":1,"start":1333.8,"end":1334.12},{"sentences":[{"text":"back for","start":1333.83,"end":1334.3099,"sentiment":"neutral","sentiment_score":0.16837883740663528}],"sentiment":"neutral","sentiment_score":0.16837883740663528,"channel":1,"num_words":2,"start":1333.83,"end":1334.3099},{"sentences":[{"text":"school","start":1334.12,"end":1334.4401,"sentiment":"neutral","sentiment_score":0.13937851786613464}],"sentiment":"neutral","sentiment_score":0.13937851786613464,"channel":0,"num_words":1,"start":1334.12,"end":1334.4401},{"sentences":[{"text":"three.","start":1334.3099,"end":1334.715,"sentiment":"neutral","sentiment_score":0.09318351000547408}],"sentiment":"neutral","sentiment_score":0.09318351000547408,"channel":1,"num_words":1,"start":1334.3099,"end":1334.715},{"sentences":[{"text":"holidays.","start":1334.4401,"end":1334.9401,"sentiment":"neutral","sentiment_score":0.03350679948925972},{"text":"Back for three.","start":1336.52,"end":1337.24,"sentiment":"neutral","sentiment_score":0.0817464937766393},{"text":"Awesome.","start":1337.24,"end":1337.64,"sentiment":"positive","sentiment_score":0.48466432094573975},{"text":"So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next","start":1337.64,"end":1343.66,"sentiment":"neutral","sentiment_score":0.3310506617029508}],"sentiment":"neutral","sentiment_score":0.30029746491847364,"channel":0,"num_words":29,"start":1334.4401,"end":1343.66},{"sentences":[{"text":"Yep.","start":1343.6749,"end":1344.1749,"sentiment":"neutral","sentiment_score":0.14849720895290375}],"sentiment":"neutral","sentiment_score":0.14849720895290375,"channel":1,"num_words":1,"start":1343.6749,"end":1344.1749},{"sentences":[{"text":"next stint.","start":1343.88,"end":1344.78,"sentiment":"neutral","sentiment_score":0.0997617356479168}],"sentiment":"neutral","sentiment_score":0.0997617356479168,"channel":0,"num_words":2,"start":1343.88,"end":1344.78},{"sentences":[{"text":"Yep.","start":1344.395,"end":1344.895,"sentiment":"neutral","sentiment_score":0.117905393242836},{"text":"No worries.","start":1345.515,"end":1346.255,"sentiment":"neutral","sentiment_score":0.21924664825201035}],"sentiment":"neutral","sentiment_score":0.1854662299156189,"channel":1,"num_words":3,"start":1344.395,"end":1346.255},{"sentences":[{"text":"Beautiful.","start":1346.865,"end":1347.345,"sentiment":"positive","sentiment_score":0.5104352235794067},{"text":"Alright, Matt.","start":1347.345,"end":1347.9049,"sentiment":"positive","sentiment_score":0.4223419427871704},{"text":"Thank you so much for your time today.","start":1347.9049,"end":1349.2649,"sentiment":"positive","sentiment_score":0.6451644003391266},{"text":"I know you're about to fly off, so I don't wanna keep you for too long when you've got some things you wanna do.","start":1349.2649,"end":1353.825,"sentiment":"neutral","sentiment_score":-0.19151596321413913},{"text":"Is there anything else","start":1353.825,"end":1354.705,"sentiment":"neutral","sentiment_score":0.032248226925730705}],"sentiment":"neutral","sentiment_score":0.05253959237000881,"channel":0,"num_words":39,"start":1346.865,"end":1354.705},{"sentences":[{"text":"No worries.","start":1354.48,"end":1355.14,"sentiment":"neutral","sentiment_score":0.08479343727231026}],"sentiment":"neutral","sentiment_score":0.08479343727231026,"channel":1,"num_words":2,"start":1354.48,"end":1355.14},{"sentences":[{"text":"I can help you with before I let you go?","start":1354.705,"end":1356.725,"sentiment":"neutral","sentiment_score":0.08945832513272763}],"sentiment":"neutral","sentiment_score":0.08945832513272763,"channel":0,"num_words":10,"start":1354.705,"end":1356.725},{"sentences":[{"text":"No.","start":1357.36,"end":1357.6,"sentiment":"neutral","sentiment_score":-0.21169203519821167},{"text":"I think that's it at this stage.","start":1357.6,"end":1359.06,"sentiment":"neutral","sentiment_score":-0.19308958841221674}],"sentiment":"neutral","sentiment_score":-0.1954148942604661,"channel":1,"num_words":8,"start":1357.36,"end":1359.06},{"sentences":[{"text":"Awesome, mate.","start":1359.52,"end":1360.24,"sentiment":"positive","sentiment_score":0.7572568953037262},{"text":"I will I'll get stuck into it and talk to you in a couple of weeks.","start":1360.24,"end":1363.62,"sentiment":"positive","sentiment_score":0.517711378633976}],"sentiment":"positive","sentiment_score":0.5443275471528372,"channel":0,"num_words":18,"start":1359.52,"end":1363.62},{"sentences":[{"text":"No worries.","start":1363.8401,"end":1364.3201,"sentiment":"positive","sentiment_score":0.3682410418987274},{"text":"Too easy.","start":1364.3201,"end":1364.673,"sentiment":"positive","sentiment_score":0.5249360203742981}],"sentiment":"positive","sentiment_score":0.44658853113651276,"channel":1,"num_words":4,"start":1363.8401,"end":1364.673},{"sentences":[{"text":"Thank you, mate.","start":1365.2799,"end":1365.9199,"sentiment":"positive","sentiment_score":0.7972350915273031},{"text":"Have a great day.","start":1365.9199,"end":1366.8999,"sentiment":"positive","sentiment_score":0.7668431103229523}],"sentiment":"positive","sentiment_score":0.7798682451248169,"channel":0,"num_words":7,"start":1365.2799,"end":1366.8999},{"sentences":[{"text":"Alright.","start":1367.153,"end":1367.473,"sentiment":"positive","sentiment_score":0.4534413516521454},{"text":"Thank you.","start":1367.473,"end":1368.1329,"sentiment":"positive","sentiment_score":0.7166962921619415}],"sentiment":"positive","sentiment_score":0.6289446453253428,"channel":1,"num_words":3,"start":1367.153,"end":1368.1329},{"sentences":[{"text":"Cheers.","start":1368.32,"end":1368.72,"sentiment":"positive","sentiment_score":0.6325494647026062},{"text":"Bye.","start":1368.72,"end":1369.22,"sentiment":"neutral","sentiment_score":-0.11740896105766296}],"sentiment":"neutral","sentiment_score":0.2575702518224716,"channel":0,"num_words":2,"start":1368.32,"end":1369.22}]},"summary":{"result":"success","short":"During a conversation between a senior adviser from Oakview named Tommy and a customer named Matt, they discussed investment options, portfolio updates, and income and coverage. They also discussed updating their coverage and income protection policies, updating their bank account balance, and updating their dependents. The speakers emphasized the importance of maintaining a healthy balance and discussed the benefits of their life insurance and retirement plans. They also discussed updating their service agreement and the use of trust wills, and provided personal information for their beneficiary. They plan to finalize a plan soon and discuss beneficiary information for a trust will."},"intents":{"segments":[{"text":"I'm just gonna go through the portfolio updates with you today. Do you mind if I just go through that quick security check with Alright. No. you?","start_word":89,"end_word":115,"intents":[{"intent":"Request portfolio update","confidence_score":0.02315175}]},{"text":"So what I wanted to ask you today, just because it has been a little while, I'm gonna double check just a couple of details at the end. But I wanna do a bit of a portfolio update with you just to make sure everything's kind of rebalanced, all the options are in the correct weightings, and things like that.","start_word":458,"end_word":517,"intents":[{"intent":"Update portfolios","confidence_score":0.051415905}]},{"text":"Just quickly on the life and TPD, 1.2 mil of life insurance total disability lump sums, which Yep. last check I did with the mortgage, we had you at $460,000 owing. Have you had any changes in the assets and liabilities?","start_word":1468,"end_word":1508,"intents":[{"intent":"Investigate accounts and assets","confidence_score":0.0000012583229}]},{"text":"Let me have a look at my bank. While you're doing that, I might do a quick online evaluation for Yep. Todd Crescent. Reckon $775,000 value sounds about right. Yeah.","start_word":1512,"end_word":1541,"intents":[{"intent":"Evaluate yep's asset value and debts","confidence_score":0.0000060397256}]},{"text":"So owing would be about the same as before. Yep.","start_word":1550,"end_word":1559,"intents":[{"intent":"Analyze owing amount","confidence_score":0.000015171236}]},{"text":"I never there's there is a separate loan tied to tied to the mortgage, which is with a different thing, which I've never actually considered. Yeah.","start_word":1560,"end_word":1585,"intents":[{"intent":"Clarify yep's intent to separate forklift business from company","confidence_score":0.00011079843}]},{"text":"And there was a bit of a note, and I apologize if this is a bit old. New system, I'm just cross referencing the info about starting a bit of a forklift business at some point. Was that really old, or is that still current?","start_word":1637,"end_word":1681,"intents":[{"intent":"Confirm location of forklift business","confidence_score":0.00040788986}]},{"text":"What the what's coming in is essentially only covering finance on Yep. Okay.","start_word":1795,"end_word":1807,"intents":[{"intent":"Understand financial coverage coverage","confidence_score":0.0000016839019},{"intent":"Discuss insurance coverage","confidence_score":0.0085919015}]},{"text":"So in terms of those lump equipment. sums, if you get the let's say you hurt your back Yep. out of work and they're like, mate, you're not going back to work, you get your 1.2 mil, you get your income protection kicking in after that, mortgages paid off, and you've got about eight years worth of net income replaced.","start_word":1825,"end_word":1884,"intents":[{"intent":"Inquire about lump equipment","confidence_score":0.005418461}]},{"text":"I know the premiums jumped up a little bit. Yes. Yeah.","start_word":2021,"end_word":2031,"intents":[{"intent":"Clarify income protection price","confidence_score":0.00012447413},{"intent":"Confirm income protection price","confidence_score":0.004354179}]},{"text":"So I won't make any alterations to the cover. It will just be the portfolio at the moment.","start_word":2128,"end_word":2145,"intents":[{"intent":"Describe portfolio","confidence_score":0.0007510918}]},{"text":"Do you want me to put any comparisons in for, like, salary sacrifice or any additional contributions for the financial year into super?","start_word":2147,"end_word":2169,"intents":[{"intent":"Compare benefits","confidence_score":0.027513737}]},{"text":"So I'll do the usual, like, ten year projection update. For now, when we get a bit closer to retirement, I'll do a bit more of an analysis because, obviously, I can't project out thirty, forty years right now. But as we get Yep. closer and closer, we then start to check whether you're gonna be on track for the goal, how long is it gonna last. Yep.","start_word":2579,"end_word":2646,"intents":[{"intent":"Analyze potential investment goals","confidence_score":0.000059208734}]},{"text":"I had in terms of dependents, you've got your son and three stepdaughters. Is that still current dependents?","start_word":2947,"end_word":2964,"intents":[{"intent":"Update dependents and send beneficiary updates","confidence_score":0.00809906}]},{"text":"that you can do is establish through the will, like, a trust fund for the kids, and that can show, you know, how you want funds distributed out, but they may actually be falling into some of these new tax rules for trust funds.","start_word":3113,"end_word":3156,"intents":[{"intent":"Set up trust funds","confidence_score":0.08586621}]},{"text":"So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next Yep. next stint.","start_word":3852,"end_word":3878,"intents":[{"intent":"Finalize plan","confidence_score":0.3995767}]}]},"sentiments":{"segments":[{"text":"Hello. This is Matt.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.07107039541006088},{"text":"Good day, Matt.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.39406079053878784},{"text":"It's Tommy here, senior adviser from Oakview. How are you going today?","start_word":7,"end_word":18,"sentiment":"neutral","sentiment_score":0.23987288773059845},{"text":"Good. Thanks for coming. Yourself? Mate, living the dream. It's been a beautiful first day back.","start_word":19,"end_word":34,"sentiment":"positive","sentiment_score":0.5736823081970215},{"text":"How's the weather your way? Yeah.","start_word":35,"end_word":40,"sentiment":"neutral","sentiment_score":0.33087632060050964},{"text":"Beautiful at the moment. Cool.","start_word":41,"end_word":45,"sentiment":"positive","sentiment_score":0.48399052023887634},{"text":"Cool. Sorry. You got a bit of time off work at the moment? Are you on your off week or No. I fly back today. fly back today. Alright. Well, thank you Yep. for spending a bit of time with me this morning. I'm just gonna go through the portfolio updates with you today. Do you mind if I just go through that quick security check with Alright. No. you? Perfect. So calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? 09/07/3434. Todd Crescent Milak. Sensational. Now, Matt, I've been going through your file this morning. We I had you booked in a couple of weeks ago, but then I went on a bit of paternity leave. And Yep. I just Well, congratulations. wanted to thank you. Thank you, mate. Number three, got the the daughter here now for the two Yeah. boys. So if I am a little bit slower in my words, I've had a decent amount of sleep. But if you need me to repeat anything, just let me know. Okay? Yep. Yep. My dramas. Cool. Now going through a few things, earlier in the year, you had a conversation with Carl about keeping a flag on your portfolio for Netwealth for one of the investment options that wasn't doing too well. The rest of them all doing pretty good. But do you remember that Benelon option that he flagged with you? Yep. Yep. So I've been having a look at that one today. It hasn't really come back the way it should have the last three months because most of the Australian shares have kind of picked back up a little bit since that market drop. So I Yep. wanted to talk to you today about getting a bit of a replacement going for that one. Have you logged on to Netwealth the last six months or so? Not really since I last spoke with him. No. That's okay. So you're sitting up to 267,100 today. Most Yep.","start_word":46,"end_word":393,"sentiment":"neutral","sentiment_score":0.027119246728975196},{"text":"of the investment options picked up really well since that market drop in February and March, and they've all jumped up double digits. So everything is looking pretty good.","start_word":394,"end_word":422,"sentiment":"positive","sentiment_score":0.4188303053379059},{"text":"It's just that one option that's still in the negative where most Australian options have been growing again. This one's still just dragging its feet a little bit too slowly, if that makes sense.","start_word":423,"end_word":456,"sentiment":"negative","sentiment_score":-0.42042452096939087},{"text":"Yep. So what I wanted to ask you today, just because it has been a little while, I'm gonna double check just a couple of details at the end. But I wanna do a bit of a portfolio update with you just to make sure everything's kind of rebalanced, all the options are in the correct weightings, and things like that. Matt, do you have a bit of a preference at all between going for kind of low fee investments that follow the market versus paying a bit extra to try and get a higher return? Do you have a strong leaning either way? No. Neutral. Cool. I've already done some research on some replacement options before I went on leave just with our investment committee. So Yep. I can pretty much get a replacement like for like. Similar style is just gonna be a little bit cheaper, a little bit better performing for that option. While I'm at it, do you mind if I just look through the rest of the portfolio and see if there's a few other options I'd like to update? Not at all. Perfect. Perfect. Perfect. Just going through a couple things with you as well. I'm just gonna touch on the insurances because policy anniversaries and the like. Have you had any changes with the income? I think we had you on a 133,000. It's gone up a touch. I don't well, sorry. It's about to go up. It should have gone up two months ago, but I've had a I've had a change of job description or job role out at the mine. So it has increased, but I think it's up to about one thirty six. Yep. So it's still flowing through. I'll probably notice that in the next contribution next month. I'll put down You $1.36 may for not now. having any issue in there at the moment with it. With yeah. It should've been effective the April 27. So Okay. there's, yeah, there's some issue in the background that I'm trying to get resolved at the moment. I did see the frequency changed, which was good because it means, I think are you paid monthly Portnoyly. Fortnightly. Yep. Okay. So they did do something with the contributions where there was some larger Okay. amounts coming in slower. Now they're coming in a bit quicker. And then when the new legislation kicks in, they'll be paying it fortnightly, which means it'll come in a lot faster and it will average out through the year. That's gonna be a lot better for your investments as well. So it just means it Yeah. gets to Okay. buy more Yep. frequently. So I'll put $1.36 in for now. Now with the change in descriptions and Service duties, what can I put down just for the occupation title and duties? crew is the occupation title, Yep. which yeah. That's I don't know. Does that is there like a just trying to work out. Is it like a like a list you've got to choose from or this service crew suit? There's always lists. Service crew is fine, but anything in terms of daily duties you can give me helps me kind of explain it, and then they tell us Oh, which yeah. category it links closer to. So it's working underground at heights, installing ventilation, ducting, poly pipe work, pumps. That's probably the main three things. Yep.","start_word":457,"end_word":1028,"sentiment":"neutral","sentiment_score":0.03813706221176194},{"text":"Perfect.","start_word":1029,"end_word":1029,"sentiment":"positive","sentiment_score":0.493954598903656},{"text":"Mate, that matches pretty close to what I had before. I guess I've just updated contracts and the like, have they? Yeah. Before I was drill off sorter. But, yeah, similar sort of stuff. Yep. And is that still with Newmont? Yep. Yep. Sensational. Alright. So I've updated that.","start_word":1030,"end_word":1078,"sentiment":"neutral","sentiment_score":0.09348773211240768},{"text":"That's cool.","start_word":1079,"end_word":1080,"sentiment":"positive","sentiment_score":0.5357798933982849},{"text":"I just wanted to check that because of the income protection. Do you know I'm gonna send through your certificate of currency so you've got your insurance policies handy. And, of course, Yep. anything ever happens, you just give us a call, and we'll launch a claim and help you through the claims process. But Yep. you're paying, Yep. like, a small amount monthly through the credit card for that extra definition for the income protection if that rings a bell. Yeah. It rings a bell. So because the cover amount is 8 triple 9 per month, so $9 flat, Yep. that's usually got you at that sort of 75% of the income, which with your income just jumping up a bit kinda gets it close because they increase your cover every year. It's like a cheap way of getting more cover, but it does increase the premiums. So I was just worried Yep. Yep.","start_word":1081,"end_word":1235,"sentiment":"neutral","sentiment_score":0.1689753532409668},{"text":"that you might be a bit over insured. You might be a touch.","start_word":1236,"end_word":1248,"sentiment":"negative","sentiment_score":-0.3485696315765381},{"text":"You might be a touch. So if I work it off $1.36 just bear with me for two secs. Yeah. You probably your max should be 8,500, not 8,900. So I might look at a quick little trim down for that. Are you expecting some more increases? Yeah. So that's my base wage, but then I paid in additional duties on top of that. I Yep. don't know if that comes into effect. Yeah. It kinda does too. So in terms of, like would you call it, like, a bonus or an overtime, or is it more like allowances? Allowances. Balances. Yep. Cool. We do get Alright. a yearly bonus. Well, it was a quarterly bonus, but it's just moved to a yearly bonus. Yeah. It was quarterly before. So your tax return, you'd be on what? Like, well over one one forty, one fifty at least. I'm just looking at my last payslip now. It's running a week off. So total total earnings year to date is $1.53. $1.53.","start_word":1249,"end_word":1418,"sentiment":"neutral","sentiment_score":0.03113860823214054},{"text":"Perfect.","start_word":1419,"end_word":1419,"sentiment":"positive","sentiment_score":0.5069142580032349},{"text":"So that means that if you were to go to claim, they would work it off the $1. 53 plus what they're expecting for the next week, and they Yep. would do the percentage off of that.","start_word":1420,"end_word":1455,"sentiment":"neutral","sentiment_score":0.1441638469696045},{"text":"So you're you're totally fine there.","start_word":1456,"end_word":1461,"sentiment":"positive","sentiment_score":0.4334343373775482},{"text":"Yep.","start_word":1462,"end_word":1462,"sentiment":"neutral","sentiment_score":0.27662354707717896},{"text":"Alrighty. So that's perfect.","start_word":1463,"end_word":1466,"sentiment":"positive","sentiment_score":0.6463715434074402},{"text":"Just quickly on the life and TPD, 1.2 mil of life insurance total disability lump sums, which Yep. last check I did with the mortgage, we had you at $460,000 owing. Have you had any changes in the assets and liabilities? Of two seconds. Let me have a look at my bank. While you're doing that, I might do a quick online evaluation for Yep. Todd Crescent. Reckon $775,000 value sounds about right. Yeah. Probably would be.","start_word":1467,"end_word":1543,"sentiment":"neutral","sentiment_score":0.08238261938095093},{"text":"Fantastic.","start_word":1544,"end_word":1544,"sentiment":"positive","sentiment_score":0.5658783316612244},{"text":"And $39.03 point Yeah. So owing would be about the same as before. Yep. I never there's there is a separate loan tied to tied to the mortgage, which is with a different thing, which I've never actually considered. Yeah. But then I've got about one fifty offset against it as well. Oh, not bad at all. One Yeah. 50 in the offset against that. I think the only other assets we had was, like, car tools, home, and offset account savings. Is that pretty much it for assets? Yep. Yep. And there was a bit of a note, and I apologize if this is a bit old. New system, I'm just cross referencing the info about starting a bit of a forklift business at some point. Was that really old, or is that still current? That's been started. So we started that. Yep. So I've been operating over twelve months where I'm a director of that. K. And the There's twelve three months. of us for the directors. Three directors. And so employment wise, it all just it's all just getting paid through Newmont? Do you does it flow through your company at all, or is it just coming to you in terms of wages and that's it? No. That just comes to me in terms of wages. This forklift business completely separate. I'm not Yep. drawing any wages. No one's drawing any wages off that. Essentially, Yeah. You're still in what the first few years. yeah. What the what's coming in is essentially only covering finance on Yep. Okay.","start_word":1545,"end_word":1805,"sentiment":"neutral","sentiment_score":-0.04249159826351137},{"text":"That's easy done.","start_word":1806,"end_word":1808,"sentiment":"positive","sentiment_score":0.42121776938438416},{"text":"So I'll leave the that off to the side, make a quick note of it. So in terms of those lump equipment. sums, if you get the let's say you hurt your back Yep. out of work and they're like, mate, you're not going back to work, you get your 1.2 mil, you get your income protection kicking in after that, mortgages paid off, and you've got about eight years worth of net income replaced. How's that sort of sounding for you and the family in terms of that, what that looks like for for Yeah. Manny and the kids? Yeah, that sounds alright. K. So I'll leave those alone, and I don't think you've got, like, trauma insurance for heart attack, stroke, and cancer. That's the one that's out of pocket only. Do you want me to get a quote for that or just leave it as life TBD income protection? Okay. I thought that would have been some trauma insurance. I'm gonna have Yeah. a quick double check. We've got the split income protection there. No. Sorry. You are right. It was underneath your income protection definition for a 109,000. That's Yep. 54 a month. The income protection's 10 a month. So is that is that amount still okay? I know the premiums jumped up a little bit. Yes. Yeah. I guess it K. would be. Yeah. Yep. And, again, that's mainly, like gives your partner some time to, like, take time off work or whatever's need be to to be alongside you. If you have that cancer diagnosis, you go hunt around for your best doctors. You guys relax together for a few months and get it sorted kind of thing. Anything more serious. And if you're off work because of it, income protection kicks in. If something permanent happens, there's your TPD. There's your life insurance. Yep. Yeah. Okay. Yeah. That makes sense.","start_word":1809,"end_word":2125,"sentiment":"neutral","sentiment_score":-0.01463904231786728},{"text":"Cool.","start_word":2126,"end_word":2126,"sentiment":"positive","sentiment_score":0.35917049646377563},{"text":"So I won't make any alterations to the cover. It will just be the portfolio at the moment. Do you want me to put any comparisons in for, like, salary sacrifice or any additional contributions for the financial year into super? I do want to start salary sacrificing. Is there another priority we need to take into account in terms of the mortgage or any other cash flow priorities for the business and things?","start_word":2127,"end_word":2200,"sentiment":"neutral","sentiment_score":0.056030718458665384},{"text":"I don't think so at this point in time.","start_word":2201,"end_word":2209,"sentiment":"negative","sentiment_score":-0.3624461591243744},{"text":"There will be some more inheritance come through next month when my mother passed last year, so Yep. we're selling one of the properties. So I'll be expecting another probably 70 odd grand to come in to my account, which will then offset just stay offset against the home loan. Yep. Yep.","start_word":2210,"end_word":2261,"sentiment":"neutral","sentiment_score":-0.09294890612363815},{"text":"That's a good idea.","start_word":2262,"end_word":2265,"sentiment":"positive","sentiment_score":0.6686211228370667},{"text":"One And of the things you can do is lump sums after the financial year gets to the end of next financial year. Like, one of the strategies some people do is they keep it in their offset for that eleven months, offset the mortgage, and then maybe dump a bit into super during next year. Yep. I probably Yeah. wouldn't Okay. be rushing to put anything in as soon as you get it kind of thing because you can get a bit of Yep. a double benefit from it. Yeah. Okay. Yeah. So and just basically top up to the the limit for my super, you mean? Yeah. So you've got your nonconcessionals and your concessionals. They've increased the concessionals to 32 and a half thousand. So what work Yep. puts in, you can do another 500 a fortnight safely enough without breaching the cap in terms of ongoing. And then lump sums, you've got heaps of room to do anything you haven't used Okay. the last five years, but that's something I'll probably talk to you about in about ten ten months' time Yep. if it becomes necessary. In terms of the regulars, do you want me to put any kind of projection in there for 100 a fortnight, 200, 500 a fortnight, anything that you can afford to to put in there without missing? Let's look at 200 a fortnight. Yep. K. 200 a fortnight. In terms of the goals themselves, so I'm just looking at retirement age. You've still got a little while to go. We were looking at as early as possible, like 65 being the minimum, $8.60 being the ideal on that kind Yep. of mortgage paid off 75,000 a year tax free. Does that still sound about the the idea Yep. is just get Yep. as much in there as quick as possible? Yep.","start_word":2266,"end_word":2576,"sentiment":"neutral","sentiment_score":0.11890109132532138},{"text":"Cool.","start_word":2577,"end_word":2577,"sentiment":"positive","sentiment_score":0.5098528265953064},{"text":"So I'll do the usual, like, ten year projection update. For now, when we get a bit closer to retirement, I'll do a bit more of an analysis because, obviously, I can't project out thirty, forty years right now. But as we get Yep. closer and closer, we then start to check whether you're gonna be on track for the goal, how long is it gonna last. Yep. Is there anything else on the cards for you guys the next few years? Because we've got the super, the coverage, the business, the work, the mortgage. It's quite a bit on the plate. Is there anything else that you're working on? We are considering building an investment property some stage in the next couple of years. Yep. Building investment property. Is that more like a twelve months or wouldn't have a clue on figures come back to that in a couple years kind of thing? Yeah. It could be twelve months. It could be two years. Yep. Depends on land land releases up here. Yeah.","start_word":2578,"end_word":2751,"sentiment":"neutral","sentiment_score":0.13734841346740723},{"text":"Cool. You reckon it's a good area to to pick something up for you guys?","start_word":2752,"end_word":2766,"sentiment":"positive","sentiment_score":0.3752187490463257},{"text":"It's something that we we want to set up an investment originally and then with the plan that we would move into it in a few years' time after it depreciated a bit.","start_word":2767,"end_word":2799,"sentiment":"neutral","sentiment_score":0.21511398255825043},{"text":"Perfect.","start_word":2800,"end_word":2800,"sentiment":"positive","sentiment_score":0.5988881587982178},{"text":"When we get a bit closer down the line, we'll obviously talk about any finalized changes in terms of the budgets and taxes and all that kind of thing. So Yep. once something actually gets across the line and is in force, I'll I'll let you know in the next catch up what that might affect in terms of building. But building new is pretty much your safest bet anyway, even with everything Yeah. Well, they it's originally talked about. yeah. We saw the new ship have bought out buildings. The only way we could negative gear it if it was if it was going to be negative gear geared and building a new one generally would be. Yep.","start_word":2801,"end_word":2919,"sentiment":"neutral","sentiment_score":0.0009187036702612868},{"text":"Exactly right. So that's pretty cool. Alright.","start_word":2920,"end_word":2926,"sentiment":"positive","sentiment_score":0.6165016889572144},{"text":"So we've got plenty in terms of the goals there. Just quickly on a couple of details to update. I had in terms of dependents, you've got your son and three stepdaughters. Is that still current dependents? Three stepdaughters. However, they've all they're all not living at home. Yep. Alright. So all So independent except for the sun. yep. My son is nine. Yeah. The rest are all independent.","start_word":2927,"end_word":2995,"sentiment":"neutral","sentiment_score":0.08516700565814972},{"text":"Fantastic.","start_word":2996,"end_word":2996,"sentiment":"positive","sentiment_score":0.6373958587646484},{"text":"Alrighty. Estate planning wise, did you end up getting, like, a will in place or anything like that? No. I haven't. Cool. Do you want me to send any forms for beneficiary updates? What's your preference? Is it just to go to money? Yep. To go to Marnie as far as the beneficiary goes for now, but I do wanna do a will. Yep. Perfect. So one thing that I won't I've actually been talking to people about for, like, the last twelve years quite a lot is testamentary trust wills where your first port of call is, let's say, your super, your life insurance, your house all goes to your partner. One thing Yep. that you can do is establish through the will, like, a trust fund for the kids, and that can show, you know, how you want funds distributed out, but they may actually be falling into some of these new tax rules for trust funds. So I wouldn't jump on that right now. It's a few thousand dollars, and they may be Yep. changing the rules on them. But just that basic will even, you know, from the post office, they're legal, solicitor, courthouse. There's a few different ways to get the basic one set up. Yeah. Okay. Yep. Cool. So I'll double check, make sure we've got all the forms ready to go for the super and the life insurance. I'll double check what's in place. You do have an option for the beneficiary nominations to expire every three years or just have it ongoing? Up to you. Ongoing. Yep. And bit of a silly question, but you can choose for it to be nonlegally binding. So the super fund has discretion or make it legally binding. They have to do it. Okay. Lately Yep.","start_word":2997,"end_word":3296,"sentiment":"neutral","sentiment_score":0.03632392815314233},{"text":"Easy done.","start_word":3297,"end_word":3298,"sentiment":"positive","sentiment_score":0.5030709505081177},{"text":"So we just call that a binding non lapsing, and that's one of the tick boxes on the form. here. Right. Do you want me to grab Manny's date of birth now and pre fill the forms, or are you okay just filling Yep. in when we flick them through to you? Alright. I'll I'll give that to you now. Yeah. Go for it. So I've got, obviously, same address. Right? Yep. Yep. Full name would be Manny Scobey. Is it now Yep. No. It's still Scobie. She kept her surname, but it's Marnie Claire Scobie. Claire, c l a I r e I think it's c l a r e. r e, and then Scobie, s c o b I e.","start_word":3299,"end_word":3420,"sentiment":"neutral","sentiment_score":0.07547636330127716},{"text":"Perfect.","start_word":3421,"end_word":3421,"sentiment":"positive","sentiment_score":0.4370480179786682},{"text":"And Yep. date of birth? Third of third seventy three. Date of birth 1973.","start_word":3422,"end_word":3435,"sentiment":"neutral","sentiment_score":0.05509728565812111},{"text":"Cool.","start_word":3436,"end_word":3436,"sentiment":"positive","sentiment_score":0.4404675364494324},{"text":"So I'll just prefill that your details, the accounts, policies, her details in there. You've basically just got to sign and get two witnesses that aren't money just to do Yep. it on the same day or same date. Yep.","start_word":3437,"end_word":3476,"sentiment":"neutral","sentiment_score":0.1735260784626007},{"text":"Cool. Alrighty. Mate, I've got a pretty good idea of updating a bit of a plan for you.","start_word":3477,"end_word":3494,"sentiment":"positive","sentiment_score":0.6396663784980774},{"text":"Any questions so far? No.","start_word":3495,"end_word":3499,"sentiment":"neutral","sentiment_score":0.18216823041439056},{"text":"Cool. Cool.","start_word":3500,"end_word":3501,"sentiment":"positive","sentiment_score":0.3829413056373596},{"text":"One thing I will do as well, if it's okay with you, is I was gonna send you out a bit of an updated service agreement just because the last one expired before Christmas time. But we're moving over Okay. to a new fee structure in a couple of weeks, which basically sees that because you're sitting at 267,000, everyone above 200,000 goes down from 1.65% to 1.375, and we've we're including a bit of a tiering now. So instead of one point Okay. six five all the way along, it drops after 200,000, drops again after 500,000, drops again after a million. So if you're okay to just kind of hold tight for a week, I would prefer Yep. to put you on one of the new ones if that's okay with you, and I'll get the plan together at the same time. Yep. No dramas.","start_word":3502,"end_word":3648,"sentiment":"neutral","sentiment_score":0.09925494082018632},{"text":"Cool.","start_word":3649,"end_word":3649,"sentiment":"positive","sentiment_score":0.3850997388362885},{"text":"So I won't send you anything today. I will send through, like, your certificates of currency for the insurance performance update from Netwealth. But what I'll basically do is I'll put together the new plan with the updates for the investments. We'll include all the new agreements and packs and everything all on the one go. Yep. No worries. Beauty. Is there anything I haven't covered for you today? Nothing. That's it. Cool. If there's anything else, I'll get the team to reach out to you. But, basically, we will pretty much give you a call in a fortnight just to go through that plan together. I've just gotta Yep. put it together, and I've had a few people book in already while I was on leave, so we'll give you a buzz in about two weeks. What's your availability like, like, when are you in and out of town? Two So, normally, I'm working two and two. and two? However, yeah, however, this time, I'm only going out for a week, and I'm taking a week leave because it's school holidays. Oh, amazing. Week and So one I'll week be off back for school three. holidays. Back for three.","start_word":3650,"end_word":3849,"sentiment":"neutral","sentiment_score":0.11988596618175508},{"text":"Awesome.","start_word":3850,"end_word":3850,"sentiment":"positive","sentiment_score":0.48466432094573975},{"text":"So I'll basically make sure that I get this kind of caught up and finalized with you before you go back for your next Yep. next stint. Yep. No worries.","start_word":3851,"end_word":3880,"sentiment":"neutral","sentiment_score":0.27995094656944275},{"text":"Beautiful. Alright, Matt. Thank you so much for your time today.","start_word":3881,"end_word":3891,"sentiment":"positive","sentiment_score":0.5952326655387878},{"text":"I know you're about to fly off, so I don't wanna keep you for too long when you've got some things you wanna do. Is there anything else No worries. I can help you with before I let you go? No. I think that's it at this stage.","start_word":3892,"end_word":3939,"sentiment":"neutral","sentiment_score":-0.11001864820718764},{"text":"Awesome, mate. I will I'll get stuck into it and talk to you in a couple of weeks. No worries. Too easy. Thank you, mate. Have a great day. Alright. Thank you. Cheers. Bye.","start_word":3940,"end_word":3973,"sentiment":"positive","sentiment_score":0.592989981174469}],"average":{"sentiment":"neutral","sentiment_score":0.0742252280445895}}}}