{"metadata":{"transaction_key":"deprecated","request_id":"01a0c721-51e1-7503-94d0-7395276e48ff","sha256":"92158a9b53f4f78b9c4a933eb339a35f465987efd6b9c14a80921bdd3605727f","created":"2026-09-22T03:20:47.436Z","duration":1086.768,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3885,"output_tokens":148},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4358,"output_tokens":4367},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4358,"output_tokens":340}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Steven. It's Tommy here, senior adviser from OakviewMate. How are you doing? Good to hear, mate. Good to hear. I've got you booked in for that rescheduled annual review. Do you have a bit of time for me? Perfect. So, mate, before I begin, I've got a bit of a pack to send out to you, and I'm just gonna run through a quick security check. I don't have a password on file. Could I please get your date of birth and address, please? Perfect. Sensational. And I'm registered with ASIC as adviser 1273105. Are you okay for the call to be recorded? Perfect. Now I've got this pack ready to send out to your Gmail account. Will you better look onto it with me, or should I just kinda give you a bit of a walk through? No worries. I'll send it out just so you've got it there. Should go through your main box. If you haven't used our new system before, it may go to your spam folder for the first one. Cool. Now my intentions today is... I'm really glad I've caught you. Wanted to update a few details on file just to see what may have changed. And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the moment. Anything in particular... Yep. Go for it. Yep. Of course. So I can see at the moment, we have spouse and two children listed, Amanda and Harry. Who do you want added on there? Just a 100%? Yep. No worries. 5%, 5%, and 90. And do you want that the same kind of... Like, you had a non lapsing binding nomination, so it's legally binding and it doesn't expire? That sound good? And for yes. So keep that all the same. Just change the weightings a little bit. And that's for both the the q super and the hub? Beautiful. Alrighty. I'm just gonna quickly go through your details for a second, then I'll dive into it with you. We've got a train driver for Queensland Rail on about a 125,000. That still sound about right? Cool. Do you have a set savings amount that you're still able to put away? I think we had about 100 a week previously. Yeah. Okay. Cool. So it sort of fluctuates a little bit, but still trying to put aside a little bit of money. Good. And in terms of the goals, so when we previously spoke to you, you were focusing on some home renovations and then the idea of cutting back some work hours, doing a bit more travel, paying off the mortgage. Does all that still sound current? Perfect. Outside of that, we've got retirement towards age sort of 65, 67 on about 2,000 a week would be ideal. Perfect. Last couple of things, in terms of the estate planning. So if we're updating the beneficiaries, did you put in place, like, a will or a power of attorney yet? K. I'll put in a bit of a reminder for those. If it does help, you can get government approved kits from the post office for about $25 a pop, but they're very, very basic. Cool. And in terms of the assets and liabilities, so we've got the home, the Corolla credit card solar panels. The amount owing on the mortgage at the moment, is it still around $2.40, or have you knocked a chunk off of that? Thank you so much. Appreciate that. I'll do a online evaluation check while you do that, just see what the market's saying. Oh, cool. 25. Thank you for that. And the market's saying online that your property is probably valued closer to $938,000 instead of $8.50. Does that sound about right? Alright. I'll use that for now. We've got the Corolla there. No debt on that one. We did have $18.5 for the credit card and solar panels. 15.5 all up. Thank you so much. And the other asset we had was kind of like a coin and number plates collection, and that was sitting about 40,000. 45. And any other loans or assets floating around not included in that list? No. A million dollars under the mattress there, man. Alrighty. Alright. So that's all the details up to date. Anything else you're focusing on for the next couple of years? Cool. That's all any of us can hope for. Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans. Now when it comes to q super, so we've sent them a request to get an updated rundown that they're gonna email through to you. You were in a aggressive investment, very sort of high risk, high returns. They've actually discontinued that investment, and I'm not sure what they've put you into. So I I wanna try and get that statement from you if you... If they've sent it through, and then I wanna do a review of the options because, unfortunately, 95% of the options within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark. Whereas your growth risk profile, you're probably aiming for a nine or 10 or above. There is one or two I found that looked pretty good, so I wanna just review that one as well if you're okay for me to dive into that and send you some comparisons. In terms of the contribution side of things, are you looking to do any salary sacrifice into super or just focus on the mortgage and everything like that? Perfect. Now when I mentioned your growth risk profile before, we need to try and keep your your growth assets, like shares, property, gold, around the 80% mark. That's kind of your your profile. You're not high risk. You're not a five out of five. You're kind of like a four out of five at the moment. Does that make sense? Yep. Now when it comes to retirement, so 65 is that sort of full condition of release for the super. That's eight years away, And then you've got the age pension at 67. So, normally, you wanna have eight to ten years to be invested in a growth risk profile. But as you get closer, you kind of wanna protect it at some point. Right? You don't wanna be in growth at the age of 66, lose a third of your super day before you retire. Do you know what I mean? So we're in that period now where we need to get that last few years of good growth and then slowly start scaling it back. But you're at a balance now, 265,000 in the hub and possibly twenty to forty in the q super. We still need to get a few 100,000 more before we start doing that. K? When it comes to the hub portfolio, so the Iran war kicked off in March, had a bit of a market drop. It went back up again. So I'm just having a look at how the account went. We went from a balance of $2.57 down to $2.43, and then it went back up to $2.73, another $20 up, which is great, and then it's dropped it back to $2.65. So it's kind of all over the shop at the moment with what's going on in the news. It's a bit of a double whammy too. So not just what he's doing, but when they made those... Yep. And even in Australia, when they brought out those changes to capital gains tax and negative gearing for properties, Your property options dropped 12% now as well, whereas your your battery tech and electric vehicles, that's jumped up 20% higher than it was last year, but some have gone down. So I do need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for. Now one question I do have for you. This is purely personal preference. There's no wrong answer here. We have one underperforming option out of the eight, which is Bennelong, And I've got 1,300 options I can switch in in Hub and two main styles to choose from. We can either keep it actively managed where, you know, you pay a bit higher to get a higher return, or we can swing across to something a bit more lower fees that follows the market a bit closer. What would you prefer? Where's your gut line? And we don't have to predict the market. I'm just trying to pick a good style that suits your personality, and then I'll pick the best option I can find. So it's really about, do you want the lowest fees or pay more for higher return? Like, where's your preference line? Yep. So what I'll do is I'll swing in a a nice index fund to get the the fees lower. The only unfortunate thing with old q super is they don't have a growth index fund. They've got a balance index fund. So I'll I'll do a few comparisons and make a recommendation there. It may not be lower fees, but the hub one, I can get that down quite a bit, almost in half. Does that sound alright? Cool. So what we basically need to do is update the portfolios for hub and q super. We're not doing any additional and we've got to update your beneficiaries. The last thing I wanna do is the income protection that you've got in q super. I'm gonna get the updated figures for it, but I'm having a look here. So if your income's 125,000, your maximum is 7,200 a month worth of cover. You've got 6,800 last time we checked. So I'm just wondering if we update the research and it's still sitting at around about that, is that enough for you to kind of get by with your expenses and everything? If we're talking about... Yes. It'd probably be about 1,400 a week after tax. Okay. And, unfortunately, I I do see the health history here. I'm assuming we weren't able to get you life insurance and TPD and trauma cover. Yeah. That was, what, May 20 '20 '4, wasn't it? Alright. Jeez. What? They get reports and everything and they found it in there. Oh, that's real. K. So there's nothing I can really do there. Hey. I'm not gonna try and get you some life insurance. Just try and keep that income protection in place. One thing I'll just quickly check. Premiums. So this is really up to you here. Last time we we had research from QSuper, it was getting close to $7,000 a year, and it wouldn't surprise me if the next statement was showing 8 or 9,000 a year worth of premiums. So the question is, do we alter that policy at all to get the premiums down? Like, they've got a benefit to the age of 65. Do we try and trim it down to five years? You've got a sixty day waiting period. Do we kick it out to ninety days before you can claim? Or would you be comfortable maybe chucking $30.40 bucks into the super to to help cover the cost and get a bit of a tax deduction? I'm thinking with your income level, if you put, say, 50 a week in, it'll probably cost you about $30.32. Would that be manageable? K. What I'll do... Yeah. And we'll send you through some details once the plan's done. I'll model it that way just so you can see the difference that would make. And for now, I'll keep the income protection in place. But in our next chat, I'm gonna put it all into an updated plan so it's in. This is what you should do for the investments in hub and q super. We'll put in the $50 in the super, maintain the income protection, update the old beneficiaries. And from there, if you wanna make any alterations from there, you just let me know. K? How's that sound so far? Cool. Yeah. When we submitted that, I think on the eighteenth or sixteenth, it should have come through now. They're usually pretty quick twenty four hour kind of thing. So if you can send that through to us, I'm assuming you've got our email addresses there from previous emails. Or do you want me to text it through to you? Easy done. So I'll go text your email through the q super statement to send it up to the team. And when it comes to the beneficiary nominations, are you okay to, like, if we email them through to print them out, get them signed a witness, or should I kind of just post you out a pack with a return envelope? Yep. Easy done. Awesome. I'll do a postage. And outside of that, when you get the forms, because they are legal documents, if you have any trouble with what to tick, we'll try and prefill what we can. Just give us a buzz. The team can walk you through it in thirty seconds flat. Just try not to... If you make any mistakes, you can't kind of, you know, cross it out or anything like that. That will decline it. But just give us a buzz if you need to. And the last thing was... I do apologize. I'm just having a look through the notes here opting into the QSIP. So your contributions are going there. That's great. Your Hub twenty four login, we can see that's kind of locked online. Do you want us to reset it? Yep. Easy done. Reset login. Alright. Now I do have one last thing. That email pack I sent out to you, we've got the summaries of your super and your insurance as far as we know. Obviously, we're gonna get the updated statement for the QSuper. We've also got an updated service guide with Oakview, and we have actually changed our fee structure this year as well. So instead of the usual 1.65%, we've got discounts for people above 200,000, which includes you, where the percentage drops from 1.65 down after 200,000. When you get to 500,000, it drops again. And we basically just put it in there as a flat fee now rather than it floating up with your balance. K? So a bit of a discount for you this year. Cool. The last thing in there is a tax file number opt in form. We do need your consent for holding that number because it is so important. Just make sure you're still comfortable for us to use that for the advice. Alrighty. That's pretty much everything from me today. Do you have any questions for me, Steve? Perfect. Alrighty. So from here, as soon as we get that q super statement, I'll pass it over to the team to do the comparisons and research. Once the plan is done, we'll get you booked in, and I'll run you through the updated figures and and see if you're happy with it. Perfect. And I'll text you through that email address to send it to. Alrighty, Steven. Thank you so much for your time today. I really appreciate it, and leave the rest to me. Awesome, mate. Have a great day. 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day, Steven. It's Tommy here, senior adviser from OakviewMate. How are you doing? Good to hear, mate. Good to hear.\n\nI've got you booked in for that rescheduled annual review. Do you have a bit of time for me? Perfect. So, mate, before I begin, I've got a bit of a pack to send out to you, and I'm just gonna run through a quick security check. I don't have a password on file.\n\nCould I please get your date of birth and address, please? Perfect. Sensational. And I'm registered with ASIC as adviser 1273105. Are you okay for the call to be recorded?\n\nPerfect. Now I've got this pack ready to send out to your Gmail account. Will you better look onto it with me, or should I just kinda give you a bit of a walk through? No worries. I'll send it out just so you've got it there.\n\nShould go through your main box. If you haven't used our new system before, it may go to your spam folder for the first one. Cool. Now my intentions today is... I'm really glad I've caught you.\n\nWanted to update a few details on file just to see what may have changed. And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the moment. Anything in particular... Yep. Go for it.\n\nYep. Of course. So I can see at the moment, we have spouse and two children listed, Amanda and Harry. Who do you want added on there? Just a 100%?\n\nYep. No worries. 5%, 5%, and 90. And do you want that the same kind of... Like, you had a non lapsing binding nomination, so it's legally binding and it doesn't expire?\n\nThat sound good? And for yes. So keep that all the same. Just change the weightings a little bit. And that's for both the the q super and the hub?\n\nBeautiful. Alrighty. I'm just gonna quickly go through your details for a second, then I'll dive into it with you. We've got a train driver for Queensland Rail on about a 125,000. That still sound about right?\n\nCool. Do you have a set savings amount that you're still able to put away? I think we had about 100 a week previously. Yeah. Okay.\n\nCool. So it sort of fluctuates a little bit, but still trying to put aside a little bit of money. Good. And in terms of the goals, so when we previously spoke to you, you were focusing on some home renovations and then the idea of cutting back some work hours, doing a bit more travel, paying off the mortgage. Does all that still sound current?\n\nPerfect. Outside of that, we've got retirement towards age sort of 65, 67 on about 2,000 a week would be ideal. Perfect. Last couple of things, in terms of the estate planning. So if we're updating the beneficiaries, did you put in place, like, a will or a power of attorney yet?\n\nK. I'll put in a bit of a reminder for those. If it does help, you can get government approved kits from the post office for about $25 a pop, but they're very, very basic. Cool. And in terms of the assets and liabilities, so we've got the home, the Corolla credit card solar panels.\n\nThe amount owing on the mortgage at the moment, is it still around $2.40, or have you knocked a chunk off of that? Thank you so much. Appreciate that. I'll do a online evaluation check while you do that, just see what the market's saying. Oh, cool.\n\n25. Thank you for that. And the market's saying online that your property is probably valued closer to $938,000 instead of $8.50. Does that sound about right? Alright.\n\nI'll use that for now. We've got the Corolla there. No debt on that one. We did have $18.5 for the credit card and solar panels. 15.5 all up.\n\nThank you so much. And the other asset we had was kind of like a coin and number plates collection, and that was sitting about 40,000. 45. And any other loans or assets floating around not included in that list? No.\n\nA million dollars under the mattress there, man. Alrighty. Alright. So that's all the details up to date. Anything else you're focusing on for the next couple of years?\n\nCool. That's all any of us can hope for. Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans. Now when it comes to q super, so we've sent them a request to get an updated rundown that they're gonna email through to you. You were in a aggressive investment, very sort of high risk, high returns.\n\nThey've actually discontinued that investment, and I'm not sure what they've put you into. So I I wanna try and get that statement from you if you... If they've sent it through, and then I wanna do a review of the options because, unfortunately, 95% of the options within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark. Whereas your growth risk profile, you're probably aiming for a nine or 10 or above. There is one or two I found that looked pretty good, so I wanna just review that one as well if you're okay for me to dive into that and send you some comparisons.\n\nIn terms of the contribution side of things, are you looking to do any salary sacrifice into super or just focus on the mortgage and everything like that? Perfect. Now when I mentioned your growth risk profile before, we need to try and keep your your growth assets, like shares, property, gold, around the 80% mark. That's kind of your your profile. You're not high risk.\n\nYou're not a five out of five. You're kind of like a four out of five at the moment. Does that make sense? Yep. Now when it comes to retirement, so 65 is that sort of full condition of release for the super.\n\nThat's eight years away, And then you've got the age pension at 67. So, normally, you wanna have eight to ten years to be invested in a growth risk profile. But as you get closer, you kind of wanna protect it at some point. Right? You don't wanna be in growth at the age of 66, lose a third of your super day before you retire.\n\nDo you know what I mean? So we're in that period now where we need to get that last few years of good growth and then slowly start scaling it back. But you're at a balance now, 265,000 in the hub and possibly twenty to forty in the q super. We still need to get a few 100,000 more before we start doing that. K?\n\nWhen it comes to the hub portfolio, so the Iran war kicked off in March, had a bit of a market drop. It went back up again. So I'm just having a look at how the account went. We went from a balance of $2.57 down to $2.43, and then it went back up to $2.73, another $20 up, which is great, and then it's dropped it back to $2.65. So it's kind of all over the shop at the moment with what's going on in the news.\n\nIt's a bit of a double whammy too. So not just what he's doing, but when they made those... Yep. And even in Australia, when they brought out those changes to capital gains tax and negative gearing for properties, Your property options dropped 12% now as well, whereas your your battery tech and electric vehicles, that's jumped up 20% higher than it was last year, but some have gone down. So I do need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for.\n\nNow one question I do have for you. This is purely personal preference. There's no wrong answer here. We have one underperforming option out of the eight, which is Bennelong, And I've got 1,300 options I can switch in in Hub and two main styles to choose from. We can either keep it actively managed where, you know, you pay a bit higher to get a higher return, or we can swing across to something a bit more lower fees that follows the market a bit closer.\n\nWhat would you prefer? Where's your gut line? And we don't have to predict the market. I'm just trying to pick a good style that suits your personality, and then I'll pick the best option I can find. So it's really about, do you want the lowest fees or pay more for higher return?\n\nLike, where's your preference line? Yep. So what I'll do is I'll swing in a a nice index fund to get the the fees lower. The only unfortunate thing with old q super is they don't have a growth index fund. They've got a balance index fund.\n\nSo I'll I'll do a few comparisons and make a recommendation there. It may not be lower fees, but the hub one, I can get that down quite a bit, almost in half. Does that sound alright? Cool. So what we basically need to do is update the portfolios for hub and q super.\n\nWe're not doing any additional and we've got to update your beneficiaries. The last thing I wanna do is the income protection that you've got in q super. I'm gonna get the updated figures for it, but I'm having a look here. So if your income's 125,000, your maximum is 7,200 a month worth of cover. You've got 6,800 last time we checked.\n\nSo I'm just wondering if we update the research and it's still sitting at around about that, is that enough for you to kind of get by with your expenses and everything? If we're talking about... Yes. It'd probably be about 1,400 a week after tax. Okay.\n\nAnd, unfortunately, I I do see the health history here. I'm assuming we weren't able to get you life insurance and TPD and trauma cover. Yeah. That was, what, May 20 '20 '4, wasn't it? Alright.\n\nJeez. What? They get reports and everything and they found it in there. Oh, that's real. K.\n\nSo there's nothing I can really do there. Hey. I'm not gonna try and get you some life insurance. Just try and keep that income protection in place. One thing I'll just quickly check.\n\nPremiums. So this is really up to you here. Last time we we had research from QSuper, it was getting close to $7,000 a year, and it wouldn't surprise me if the next statement was showing 8 or 9,000 a year worth of premiums. So the question is, do we alter that policy at all to get the premiums down? Like, they've got a benefit to the age of 65.\n\nDo we try and trim it down to five years? You've got a sixty day waiting period. Do we kick it out to ninety days before you can claim? Or would you be comfortable maybe chucking $30.40 bucks into the super to to help cover the cost and get a bit of a tax deduction? I'm thinking with your income level, if you put, say, 50 a week in, it'll probably cost you about $30.32.\n\nWould that be manageable? K. What I'll do... Yeah. And we'll send you through some details once the plan's done.\n\nI'll model it that way just so you can see the difference that would make. And for now, I'll keep the income protection in place. But in our next chat, I'm gonna put it all into an updated plan so it's in. This is what you should do for the investments in hub and q super. We'll put in the $50 in the super, maintain the income protection, update the old beneficiaries.\n\nAnd from there, if you wanna make any alterations from there, you just let me know. K? How's that sound so far? Cool. Yeah.\n\nWhen we submitted that, I think on the eighteenth or sixteenth, it should have come through now. They're usually pretty quick twenty four hour kind of thing. So if you can send that through to us, I'm assuming you've got our email addresses there from previous emails. Or do you want me to text it through to you? Easy done.\n\nSo I'll go text your email through the q super statement to send it up to the team. And when it comes to the beneficiary nominations, are you okay to, like, if we email them through to print them out, get them signed a witness, or should I kind of just post you out a pack with a return envelope? Yep. Easy done. Awesome.\n\nI'll do a postage. And outside of that, when you get the forms, because they are legal documents, if you have any trouble with what to tick, we'll try and prefill what we can. Just give us a buzz. The team can walk you through it in thirty seconds flat. Just try not to...\n\nIf you make any mistakes, you can't kind of, you know, cross it out or anything like that. That will decline it. But just give us a buzz if you need to. And the last thing was... I do apologize.\n\nI'm just having a look through the notes here opting into the QSIP. So your contributions are going there. That's great. Your Hub twenty four login, we can see that's kind of locked online. Do you want us to reset it?\n\nYep. Easy done. Reset login. Alright. Now I do have one last thing.\n\nThat email pack I sent out to you, we've got the summaries of your super and your insurance as far as we know. Obviously, we're gonna get the updated statement for the QSuper. We've also got an updated service guide with Oakview, and we have actually changed our fee structure this year as well. So instead of the usual 1.65%, we've got discounts for people above 200,000, which includes you, where the percentage drops from 1.65 down after 200,000. When you get to 500,000, it drops again.\n\nAnd we basically just put it in there as a flat fee now rather than it floating up with your balance. K? So a bit of a discount for you this year. Cool. The last thing in there is a tax file number opt in form.\n\nWe do need your consent for holding that number because it is so important. Just make sure you're still comfortable for us to use that for the advice. Alrighty. That's pretty much everything from me today. Do you have any questions for me, Steve?\n\nPerfect. Alrighty. So from here, as soon as we get that q super statement, I'll pass it over to the team to do the comparisons and research. Once the plan is done, we'll get you booked in, and I'll run you through the updated figures and and see if you're happy with it. Perfect.\n\nAnd I'll text you through that email address to send it to. Alrighty, Steven. Thank you so much for your time today. I really appreciate it, and leave the rest to me. Awesome, mate.\n\nHave a great day. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Steven.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.3264426290988922},{"text":"It's Tommy here, senior adviser from OakviewMate.","start":3.52,"end":5.6,"sentiment":"neutral","sentiment_score":0.24883820116519928},{"text":"How are you doing?","start":5.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.23850151151418686},{"text":"Good to hear, mate.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.6416015177965164},{"text":"Good to hear.","start":8.8,"end":9.62,"sentiment":"positive","sentiment_score":0.5751235683759054}],"sentiment":"positive","sentiment_score":0.3793799103725524,"num_words":21,"start":2.72,"end":9.62},{"sentences":[{"text":"I've got you booked in for that rescheduled annual review.","start":9.76,"end":12.719999,"sentiment":"neutral","sentiment_score":0.3179558992385864},{"text":"Do you have a bit of time for me?","start":12.719999,"end":14.265,"sentiment":"neutral","sentiment_score":0.07676170766353607},{"text":"Perfect.","start":16.265,"end":16.745,"sentiment":"positive","sentiment_score":0.3674706816673279},{"text":"So, mate, before I begin, I've got a bit of a pack to send out to you, and I'm just gonna run through a quick security check.","start":16.745,"end":23.165,"sentiment":"neutral","sentiment_score":0.09974491692803523},{"text":"I don't have a password on file.","start":24.105,"end":26.365,"sentiment":"neutral","sentiment_score":-0.023356101741748198}],"sentiment":"neutral","sentiment_score":0.12532416829425427,"num_words":54,"start":9.76,"end":26.365},{"sentences":[{"text":"Could I please get your date of birth and address, please?","start":26.585,"end":29.55,"sentiment":"neutral","sentiment_score":0.022240354425527832},{"text":"Perfect.","start":35.629997,"end":36.129997,"sentiment":"neutral","sentiment_score":0.07629796862602234},{"text":"Sensational.","start":36.989998,"end":37.489998,"sentiment":"neutral","sentiment_score":0.03440771996974945},{"text":"And I'm registered with ASIC as adviser 1273105.","start":37.71,"end":41.309998,"sentiment":"neutral","sentiment_score":0.02569699357263744},{"text":"Are you okay for the call to be recorded?","start":41.309998,"end":43.09,"sentiment":"neutral","sentiment_score":0.025589219604929287}],"sentiment":"neutral","sentiment_score":0.02637428374340137,"num_words":30,"start":26.585,"end":43.09},{"sentences":[{"text":"Perfect.","start":44.829998,"end":45.329998,"sentiment":"neutral","sentiment_score":0.3139154613018036},{"text":"Now I've got this pack ready to send out to your Gmail account.","start":45.605003,"end":49.205,"sentiment":"neutral","sentiment_score":0.23357524894751036},{"text":"Will you better look onto it with me, or should I just kinda give you a bit of a walk through?","start":49.205,"end":52.665,"sentiment":"neutral","sentiment_score":0.08541896655446007},{"text":"No worries.","start":56.485,"end":57.045002,"sentiment":"neutral","sentiment_score":0.10568028688430786},{"text":"I'll send it out just so you've got it there.","start":57.045002,"end":58.89,"sentiment":"neutral","sentiment_score":0.16479971930384635}],"sentiment":"neutral","sentiment_score":0.14901169706532297,"num_words":47,"start":44.829998,"end":58.89},{"sentences":[{"text":"Should go through your main box.","start":59.45,"end":60.57,"sentiment":"neutral","sentiment_score":0.004775151299933593},{"text":"If you haven't used our new system before, it may go to your spam folder for the first one.","start":60.57,"end":65.229996,"sentiment":"neutral","sentiment_score":-0.08441871757570066},{"text":"Cool.","start":65.69,"end":66.19,"sentiment":"neutral","sentiment_score":0.20277760922908783},{"text":"Now my intentions today is...","start":66.65,"end":69.53,"sentiment":"neutral","sentiment_score":0.17138677835464478},{"text":"I'm really glad I've caught you.","start":69.53,"end":70.89,"sentiment":"positive","sentiment_score":0.5392868022123972}],"sentiment":"neutral","sentiment_score":0.07351696184156714,"num_words":37,"start":59.45,"end":70.89},{"sentences":[{"text":"Wanted to update a few details on file just to see what may have changed.","start":70.89,"end":74.35,"sentiment":"neutral","sentiment_score":0.17424203554789225},{"text":"And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the moment.","start":74.495,"end":81.155,"sentiment":"neutral","sentiment_score":0.1466561387534495},{"text":"Anything in particular...","start":81.775,"end":82.835,"sentiment":"neutral","sentiment_score":0.017433228592077892},{"text":"Yep.","start":83.375,"end":83.695,"sentiment":"neutral","sentiment_score":0.03872907906770706},{"text":"Go for it.","start":83.695,"end":84.515,"sentiment":"neutral","sentiment_score":0.04853306710720062}],"sentiment":"neutral","sentiment_score":0.1389790662393278,"num_words":49,"start":70.89,"end":84.515},{"sentences":[{"text":"Yep.","start":88.049995,"end":88.549995,"sentiment":"neutral","sentiment_score":0.05353053659200668},{"text":"Of course.","start":91.649994,"end":92.21,"sentiment":"neutral","sentiment_score":0.052286431193351746},{"text":"So I can see at the moment, we have spouse and two children listed, Amanda and Harry.","start":92.21,"end":97.10999,"sentiment":"neutral","sentiment_score":0.0395759707864593},{"text":"Who do you want added on there?","start":98.28999,"end":99.885,"sentiment":"neutral","sentiment_score":0.034951084692563326},{"text":"Just a 100%?","start":102.765,"end":103.825005,"sentiment":"neutral","sentiment_score":0.03581857681274414}],"sentiment":"neutral","sentiment_score":0.03943360752115647,"num_words":30,"start":88.049995,"end":103.825005},{"sentences":[{"text":"Yep.","start":112.685,"end":113.085,"sentiment":"neutral","sentiment_score":0.10719475150108336},{"text":"No worries.","start":113.085,"end":113.725006,"sentiment":"neutral","sentiment_score":0.11362370103597641},{"text":"5%, 5%, and 90.","start":113.725006,"end":116.39,"sentiment":"neutral","sentiment_score":0.057581160217523575},{"text":"And do you want that the same kind of...","start":116.69,"end":118.79,"sentiment":"neutral","sentiment_score":0.03555299093325933},{"text":"Like, you had a non lapsing binding nomination, so it's legally binding and it doesn't expire?","start":119.090004,"end":124.23,"sentiment":"neutral","sentiment_score":0.06525539560243487}],"sentiment":"neutral","sentiment_score":0.06027593882754445,"num_words":32,"start":112.685,"end":124.23},{"sentences":[{"text":"That sound good?","start":126.85,"end":127.75,"sentiment":"positive","sentiment_score":0.45566991964975995},{"text":"And for yes.","start":129.41,"end":133.025,"sentiment":"neutral","sentiment_score":0.05776847153902054},{"text":"So keep that all the same.","start":134.845,"end":136.36499,"sentiment":"neutral","sentiment_score":0.18723302831252417},{"text":"Just change the weightings a little bit.","start":136.36499,"end":138.205,"sentiment":"neutral","sentiment_score":0.04992727616003582},{"text":"And that's for both the the q super and the hub?","start":138.205,"end":140.705,"sentiment":"neutral","sentiment_score":0.060389080846851524}],"sentiment":"neutral","sentiment_score":0.1225828055292368,"num_words":30,"start":126.85,"end":140.705},{"sentences":[{"text":"Beautiful.","start":143.08499,"end":143.58499,"sentiment":"positive","sentiment_score":0.5521944165229797},{"text":"Alrighty.","start":144.36499,"end":144.86499,"sentiment":"positive","sentiment_score":0.4050474166870117},{"text":"I'm just gonna quickly go through your details for a second, then I'll dive into it with you.","start":146.18,"end":150.28,"sentiment":"neutral","sentiment_score":0.22512430449326834},{"text":"We've got a train driver for Queensland Rail on about a 125,000.","start":150.5,"end":156.04,"sentiment":"neutral","sentiment_score":0.09788873481253783},{"text":"That still sound about right?","start":158.42,"end":159.705,"sentiment":"neutral","sentiment_score":0.08322627246379852}],"sentiment":"neutral","sentiment_score":0.17838582416643967,"num_words":37,"start":143.08499,"end":159.705},{"sentences":[{"text":"Cool.","start":161.225,"end":161.725,"sentiment":"neutral","sentiment_score":0.25079676508903503},{"text":"Do you have a set savings amount that you're still able to put away?","start":162.105,"end":165.545,"sentiment":"neutral","sentiment_score":0.15612636080810002},{"text":"I think we had about 100 a week previously.","start":165.545,"end":167.565,"sentiment":"neutral","sentiment_score":-0.004761897855334812},{"text":"Yeah.","start":175.64,"end":176.14,"sentiment":"neutral","sentiment_score":0.022849110886454586},{"text":"Okay.","start":177.72,"end":178.04001,"sentiment":"neutral","sentiment_score":0.12696467339992523}],"sentiment":"neutral","sentiment_score":0.09782778923041545,"num_words":26,"start":161.225,"end":178.04001},{"sentences":[{"text":"Cool.","start":178.04001,"end":178.28,"sentiment":"neutral","sentiment_score":0.22581082582473755},{"text":"So it sort of fluctuates a little bit, but still trying to put aside a little bit of money.","start":178.28,"end":182.46,"sentiment":"neutral","sentiment_score":0.18330276639837967},{"text":"Good.","start":184.04001,"end":184.455,"sentiment":"positive","sentiment_score":0.3858516216278076},{"text":"And in terms of the goals, so when we previously spoke to you, you were focusing on some home renovations and then the idea of cutting back some work hours, doing a bit more travel, paying off the mortgage.","start":184.695,"end":195.815,"sentiment":"neutral","sentiment_score":0.1510386619812403},{"text":"Does all that still sound current?","start":195.815,"end":197.63,"sentiment":"neutral","sentiment_score":0.10324842606981595}],"sentiment":"neutral","sentiment_score":0.16067293004104585,"num_words":66,"start":178.04001,"end":197.63},{"sentences":[{"text":"Perfect.","start":200.01001,"end":200.51001,"sentiment":"positive","sentiment_score":0.3871886730194092},{"text":"Outside of that, we've got retirement towards age sort of 65, 67 on about 2,000 a week would be ideal.","start":201.29001,"end":208.03,"sentiment":"neutral","sentiment_score":0.2827660873532295},{"text":"Perfect.","start":209.77,"end":210.27,"sentiment":"positive","sentiment_score":0.38444221019744873},{"text":"Last couple of things, in terms of the estate planning.","start":210.875,"end":214.17499,"sentiment":"neutral","sentiment_score":0.08750046454370022},{"text":"So if we're updating the beneficiaries, did you put in place, like, a will or a power of attorney yet?","start":214.23499,"end":218.97499,"sentiment":"neutral","sentiment_score":0.052832131087779996}],"sentiment":"neutral","sentiment_score":0.16074230572065482,"num_words":52,"start":200.01001,"end":218.97499},{"sentences":[{"text":"K.","start":221.83499,"end":222.23499,"sentiment":"neutral","sentiment_score":-0.013702775351703169},{"text":"I'll put in a bit of a reminder for those.","start":222.23499,"end":224.49,"sentiment":"neutral","sentiment_score":0.011315191979520023},{"text":"If it does help, you can get government approved kits from the post office for about $25 a pop, but they're very, very basic.","start":224.73001,"end":232.27,"sentiment":"neutral","sentiment_score":0.08399449847638607},{"text":"Cool.","start":233.93001,"end":234.43001,"sentiment":"neutral","sentiment_score":0.07465590536594391},{"text":"And in terms of the assets and liabilities, so we've got the home, the Corolla credit card solar panels.","start":234.65001,"end":242.645,"sentiment":"neutral","sentiment_score":0.03515596119196791}],"sentiment":"neutral","sentiment_score":0.05196247774345631,"num_words":55,"start":221.83499,"end":242.645},{"sentences":[{"text":"The amount owing on the mortgage at the moment, is it still around $2.40, or have you knocked a chunk off of that?","start":244.625,"end":249.845,"sentiment":"neutral","sentiment_score":-0.08171802872548932},{"text":"Thank you so much.","start":254.64,"end":255.44,"sentiment":"positive","sentiment_score":0.6876909881830215},{"text":"Appreciate that.","start":255.44,"end":256.0,"sentiment":"positive","sentiment_score":0.3439411222934723},{"text":"I'll do a online evaluation check while you do that, just see what the market's saying.","start":256.0,"end":261.22,"sentiment":"neutral","sentiment_score":0.14806360332295299},{"text":"Oh, cool.","start":269.595,"end":270.33502,"sentiment":"neutral","sentiment_score":0.3029036223888397}],"sentiment":"neutral","sentiment_score":0.09646715818250433,"num_words":47,"start":244.625,"end":270.33502},{"sentences":[{"text":"25.","start":278.63998,"end":279.44,"sentiment":"neutral","sentiment_score":0.061549924314022064},{"text":"Thank you for that.","start":279.44,"end":280.63998,"sentiment":"positive","sentiment_score":0.5351361632347107},{"text":"And the market's saying online that your property is probably valued closer to $938,000 instead of $8.50.","start":280.63998,"end":287.44,"sentiment":"neutral","sentiment_score":0.14650318201850443},{"text":"Does that sound about right?","start":287.44,"end":288.74,"sentiment":"neutral","sentiment_score":0.07898407727479935},{"text":"Alright.","start":290.8,"end":291.19998,"sentiment":"neutral","sentiment_score":0.13080409169197085}],"sentiment":"neutral","sentiment_score":0.18637046962976456,"num_words":28,"start":278.63998,"end":291.19998},{"sentences":[{"text":"I'll use that for now.","start":291.19998,"end":292.425,"sentiment":"neutral","sentiment_score":0.18219990134239197},{"text":"We've got the Corolla there.","start":293.465,"end":294.66498,"sentiment":"neutral","sentiment_score":0.16921416521072388},{"text":"No debt on that one.","start":294.66498,"end":296.04498,"sentiment":"neutral","sentiment_score":-0.019260651618242263},{"text":"We did have $18.5 for the credit card and solar panels.","start":296.50497,"end":300.205,"sentiment":"neutral","sentiment_score":0.1116618432781913},{"text":"15.5 all up.","start":313.08002,"end":314.36002,"sentiment":"neutral","sentiment_score":0.05980305994550387}],"sentiment":"neutral","sentiment_score":0.10580884588175807,"num_words":29,"start":291.19998,"end":314.36002},{"sentences":[{"text":"Thank you so much.","start":314.36002,"end":315.58002,"sentiment":"positive","sentiment_score":0.6362824440002441},{"text":"And the other asset we had was kind of like a coin and number plates collection, and that was sitting about 40,000.","start":315.8,"end":322.115,"sentiment":"neutral","sentiment_score":0.05557522025297989},{"text":"45.","start":326.415,"end":327.315,"sentiment":"neutral","sentiment_score":0.004099363461136818},{"text":"And any other loans or assets floating around not included in that list?","start":327.695,"end":332.16,"sentiment":"neutral","sentiment_score":-0.018198846624447748},{"text":"No.","start":334.88,"end":335.12,"sentiment":"neutral","sentiment_score":-0.2510799765586853}],"sentiment":"neutral","sentiment_score":0.08010290249636988,"num_words":41,"start":314.36002,"end":335.12},{"sentences":[{"text":"A million dollars under the mattress there, man.","start":335.12,"end":337.14,"sentiment":"neutral","sentiment_score":-0.3009635154157877},{"text":"Alrighty.","start":339.6,"end":340.1,"sentiment":"neutral","sentiment_score":0.14313951134681702},{"text":"Alright.","start":340.16,"end":340.4,"sentiment":"neutral","sentiment_score":0.16126447916030884},{"text":"So that's all the details up to date.","start":340.4,"end":342.08002,"sentiment":"neutral","sentiment_score":0.188781950622797},{"text":"Anything else you're focusing on for the next couple of years?","start":342.08002,"end":344.595,"sentiment":"neutral","sentiment_score":0.09701185673475266}],"sentiment":"neutral","sentiment_score":0.01634765159467171,"num_words":29,"start":335.12,"end":344.595},{"sentences":[{"text":"Cool.","start":349.155,"end":349.655,"sentiment":"neutral","sentiment_score":0.1278303563594818},{"text":"That's all any of us can hope for.","start":351.635,"end":353.655,"sentiment":"neutral","sentiment_score":0.3141095470637083},{"text":"Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans.","start":354.515,"end":366.61,"sentiment":"neutral","sentiment_score":0.11537121431055394},{"text":"Now when it comes to q super, so we've sent them a request to get an updated rundown that they're gonna email through to you.","start":367.15,"end":376.26498,"sentiment":"neutral","sentiment_score":0.024119015783071518},{"text":"You were in a aggressive investment, very sort of high risk, high returns.","start":376.485,"end":381.465,"sentiment":"negative","sentiment_score":-0.3968471563779391}],"sentiment":"neutral","sentiment_score":0.034736291474693426,"num_words":91,"start":349.155,"end":381.465},{"sentences":[{"text":"They've actually discontinued that investment, and I'm not sure what they've put you into.","start":381.685,"end":386.93002,"sentiment":"negative","sentiment_score":-0.46051045187882017},{"text":"So I I wanna try and get that statement from you if you...","start":389.15002,"end":393.23,"sentiment":"neutral","sentiment_score":0.018674385447341662},{"text":"If they've sent it through, and then I wanna do a review of the options because, unfortunately, 95% of the options within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark.","start":393.23,"end":406.905,"sentiment":"neutral","sentiment_score":-0.19752915979673466},{"text":"Whereas your growth risk profile, you're probably aiming for a nine or 10 or above.","start":407.04498,"end":412.35,"sentiment":"neutral","sentiment_score":-0.12864450961351395},{"text":"There is one or two I found that looked pretty good, so I wanna just review that one as well if you're okay for me to dive into that and send you some comparisons.","start":414.99002,"end":423.89,"sentiment":"neutral","sentiment_score":0.30476558076984744}],"sentiment":"neutral","sentiment_score":-0.051425779025244006,"num_words":118,"start":381.685,"end":423.89},{"sentences":[{"text":"In terms of the contribution side of things, are you looking to do any salary sacrifice into super or just focus on the mortgage and everything like that?","start":426.835,"end":434.215,"sentiment":"neutral","sentiment_score":0.009318199407841479},{"text":"Perfect.","start":438.435,"end":438.935,"sentiment":"positive","sentiment_score":0.37134143710136414},{"text":"Now when I mentioned your growth risk profile before, we need to try and keep your your growth assets, like shares, property, gold, around the 80% mark.","start":439.28998,"end":449.06998,"sentiment":"neutral","sentiment_score":0.024694283665330323},{"text":"That's kind of your your profile.","start":449.28998,"end":451.05,"sentiment":"neutral","sentiment_score":-0.02459653839468956},{"text":"You're not high risk.","start":451.05,"end":451.84998,"sentiment":"neutral","sentiment_score":-0.2374185100197792}],"sentiment":"neutral","sentiment_score":0.003056718318751364,"num_words":66,"start":426.835,"end":451.84998},{"sentences":[{"text":"You're not a five out of five.","start":451.84998,"end":453.285,"sentiment":"neutral","sentiment_score":-0.2050263966832842},{"text":"You're kind of like a four out of five at the moment.","start":453.285,"end":455.365,"sentiment":"neutral","sentiment_score":-0.1568941337366899},{"text":"Does that make sense?","start":455.365,"end":456.345,"sentiment":"neutral","sentiment_score":-0.011783039197325706},{"text":"Yep.","start":458.005,"end":458.48502,"sentiment":"neutral","sentiment_score":0.029578184708952904},{"text":"Now when it comes to retirement, so 65 is that sort of full condition of release for the super.","start":458.48502,"end":464.505,"sentiment":"neutral","sentiment_score":-0.06123308494294945}],"sentiment":"neutral","sentiment_score":-0.10462551087487576,"num_words":43,"start":451.84998,"end":464.505},{"sentences":[{"text":"That's eight years away, And then you've got the age pension at 67.","start":464.725,"end":468.65997,"sentiment":"neutral","sentiment_score":-0.0834032090810629},{"text":"So, normally, you wanna have eight to ten years to be invested in a growth risk profile.","start":468.8,"end":474.5,"sentiment":"neutral","sentiment_score":-0.029206668410231087},{"text":"But as you get closer, you kind of wanna protect it at some point.","start":474.71997,"end":478.47998,"sentiment":"neutral","sentiment_score":-0.011458358328257288},{"text":"Right?","start":478.47998,"end":478.71997,"sentiment":"neutral","sentiment_score":0.010898087173700333},{"text":"You don't wanna be in growth at the age of 66, lose a third of your super day before you retire.","start":478.71997,"end":484.695,"sentiment":"neutral","sentiment_score":-0.07025040065248807}],"sentiment":"neutral","sentiment_score":-0.048568673093210564,"num_words":66,"start":464.725,"end":484.695},{"sentences":[{"text":"Do you know what I mean?","start":484.695,"end":485.755,"sentiment":"neutral","sentiment_score":0.02654644971092542},{"text":"So we're in that period now where we need to get that last few years of good growth and then slowly start scaling it back.","start":487.255,"end":494.155,"sentiment":"neutral","sentiment_score":0.09364453434944153},{"text":"But you're at a balance now, 265,000 in the hub and possibly twenty to forty in the q super.","start":494.455,"end":503.09,"sentiment":"neutral","sentiment_score":0.034898797050118446},{"text":"We still need to get a few 100,000 more before we start doing that.","start":503.23,"end":507.16998,"sentiment":"neutral","sentiment_score":-0.10479672838534627},{"text":"K?","start":508.66998,"end":509.16998,"sentiment":"neutral","sentiment_score":0.011876413598656654}],"sentiment":"neutral","sentiment_score":0.02627986795627154,"num_words":65,"start":484.695,"end":509.16998},{"sentences":[{"text":"When it comes to the hub portfolio, so the Iran war kicked off in March, had a bit of a market drop.","start":509.94998,"end":517.385,"sentiment":"neutral","sentiment_score":-0.1355859422209588},{"text":"It went back up again.","start":517.525,"end":518.645,"sentiment":"neutral","sentiment_score":-0.13670670688152314},{"text":"So I'm just having a look at how the account went.","start":518.645,"end":520.825,"sentiment":"neutral","sentiment_score":0.021313900720666756},{"text":"We went from a balance of $2.57 down to $2.43, and then it went back up to $2.73, another $20 up, which is great, and then it's dropped it back to $2.65.","start":521.605,"end":532.41,"sentiment":"neutral","sentiment_score":0.07435857178643346},{"text":"So it's kind of all over the shop at the moment with what's going on in the news.","start":532.79,"end":537.61,"sentiment":"neutral","sentiment_score":-0.1072066097209851}],"sentiment":"neutral","sentiment_score":-0.0338888185585595,"num_words":88,"start":509.94998,"end":537.61},{"sentences":[{"text":"It's a bit of a double whammy too.","start":541.79504,"end":543.395,"sentiment":"negative","sentiment_score":-0.4024423435330391},{"text":"So not just what he's doing, but when they made those...","start":543.395,"end":547.015,"sentiment":"neutral","sentiment_score":-0.13556410202925856},{"text":"Yep.","start":547.55505,"end":547.875,"sentiment":"neutral","sentiment_score":-0.035524945706129074},{"text":"And even in Australia, when they brought out those changes to capital gains tax and negative gearing for properties, Your property options dropped 12% now as well, whereas your your battery tech and electric vehicles, that's jumped up 20% higher than it was last year, but some have gone down.","start":547.875,"end":564.02997,"sentiment":"neutral","sentiment_score":-0.23101343274116515},{"text":"So I do need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for.","start":564.02997,"end":571.385,"sentiment":"neutral","sentiment_score":-0.16043912260620682}],"sentiment":"neutral","sentiment_score":-0.21266800787338278,"num_words":97,"start":541.79504,"end":571.385},{"sentences":[{"text":"Now one question I do have for you.","start":573.125,"end":574.805,"sentiment":"neutral","sentiment_score":0.04776305519044399},{"text":"This is purely personal preference.","start":574.805,"end":576.645,"sentiment":"neutral","sentiment_score":0.04276746660470963},{"text":"There's no wrong answer here.","start":576.645,"end":578.185,"sentiment":"neutral","sentiment_score":-0.017737944424152375},{"text":"We have one underperforming option out of the eight, which is Bennelong, And I've got 1,300 options I can switch in in Hub and two main styles to choose from.","start":578.245,"end":590.95,"sentiment":"neutral","sentiment_score":0.061777544145782785},{"text":"We can either keep it actively managed where, you know, you pay a bit higher to get a higher return, or we can swing across to something a bit more lower fees that follows the market a bit closer.","start":591.17004,"end":601.885,"sentiment":"neutral","sentiment_score":0.24802189683302855}],"sentiment":"neutral","sentiment_score":0.13831531440560846,"num_words":87,"start":573.125,"end":601.885},{"sentences":[{"text":"What would you prefer?","start":602.34503,"end":603.225,"sentiment":"neutral","sentiment_score":0.1419289894402027},{"text":"Where's your gut line?","start":603.225,"end":604.445,"sentiment":"neutral","sentiment_score":0.08773763477802277},{"text":"And we don't have to predict the market.","start":608.905,"end":610.68,"sentiment":"neutral","sentiment_score":-0.12026174087077379},{"text":"I'm just trying to pick a good style that suits your personality, and then I'll pick the best option I can find.","start":610.68,"end":616.38,"sentiment":"neutral","sentiment_score":0.3240523557178676},{"text":"So it's really about, do you want the lowest fees or pay more for higher return?","start":616.44,"end":620.52,"sentiment":"neutral","sentiment_score":0.1559338211081922}],"sentiment":"neutral","sentiment_score":0.17741973210057174,"num_words":54,"start":602.34503,"end":620.52},{"sentences":[{"text":"Like, where's your preference line?","start":620.52,"end":626.315,"sentiment":"neutral","sentiment_score":0.10036021173000335},{"text":"Yep.","start":626.375,"end":626.875,"sentiment":"neutral","sentiment_score":0.21062783896923065},{"text":"So what I'll do is I'll swing in a a nice index fund to get the the fees lower.","start":626.935,"end":632.315,"sentiment":"positive","sentiment_score":0.4328120923356006},{"text":"The only unfortunate thing with old q super is they don't have a growth index fund.","start":632.855,"end":637.755,"sentiment":"negative","sentiment_score":-0.5110934320837259},{"text":"They've got a balance index fund.","start":638.93,"end":640.37,"sentiment":"negative","sentiment_score":-0.3838352710008621}],"sentiment":"neutral","sentiment_score":-0.03286484866700274,"num_words":47,"start":620.52,"end":640.37},{"sentences":[{"text":"So I'll I'll do a few comparisons and make a recommendation there.","start":640.37,"end":643.51,"sentiment":"neutral","sentiment_score":-0.15172405416766802},{"text":"It may not be lower fees, but the hub one, I can get that down quite a bit, almost in half.","start":643.65,"end":648.79004,"sentiment":"neutral","sentiment_score":-0.28617089632011594},{"text":"Does that sound alright?","start":650.53,"end":651.59,"sentiment":"neutral","sentiment_score":0.06810059677809477},{"text":"Cool.","start":653.17004,"end":653.67004,"sentiment":"neutral","sentiment_score":0.2196888029575348},{"text":"So what we basically need to do is update the portfolios for hub and q super.","start":653.885,"end":657.745,"sentiment":"neutral","sentiment_score":0.12873566849157214}],"sentiment":"neutral","sentiment_score":-0.09774843679258118,"num_words":54,"start":640.37,"end":657.745},{"sentences":[{"text":"We're not doing any additional and we've got to update your beneficiaries.","start":657.805,"end":661.745,"sentiment":"neutral","sentiment_score":0.0034824116931607327},{"text":"The last thing I wanna do is the income protection that you've got in q super.","start":664.365,"end":670.05005,"sentiment":"neutral","sentiment_score":0.07656324841082096},{"text":"I'm gonna get the updated figures for it, but I'm having a look here.","start":671.07,"end":676.43005,"sentiment":"neutral","sentiment_score":0.08407700753637723},{"text":"So if your income's 125,000, your maximum is 7,200 a month worth of cover.","start":676.43005,"end":684.745,"sentiment":"neutral","sentiment_score":0.016030061590884413},{"text":"You've got 6,800 last time we checked.","start":684.965,"end":688.185,"sentiment":"neutral","sentiment_score":0.014483996001737458}],"sentiment":"neutral","sentiment_score":0.04396329928071253,"num_words":63,"start":657.805,"end":688.185},{"sentences":[{"text":"So I'm just wondering if we update the research and it's still sitting at around about that, is that enough for you to kind of get by with your expenses and everything?","start":688.485,"end":697.9,"sentiment":"neutral","sentiment_score":-0.0018300194060429926},{"text":"If we're talking about...","start":698.92,"end":700.3,"sentiment":"neutral","sentiment_score":0.05819959565997124},{"text":"Yes.","start":701.0,"end":701.4,"sentiment":"neutral","sentiment_score":0.11943930387496948},{"text":"It'd probably be about 1,400 a week after tax.","start":701.4,"end":704.22,"sentiment":"neutral","sentiment_score":0.08645620942115784},{"text":"Okay.","start":709.09503,"end":709.59503,"sentiment":"neutral","sentiment_score":0.06433495134115219}],"sentiment":"neutral","sentiment_score":0.02417272131176705,"num_words":47,"start":688.485,"end":709.59503},{"sentences":[{"text":"And, unfortunately, I I do see the health history here.","start":711.175,"end":714.47504,"sentiment":"negative","sentiment_score":-0.39978708922863004},{"text":"I'm assuming we weren't able to get you life insurance and TPD and trauma cover.","start":715.015,"end":720.315,"sentiment":"negative","sentiment_score":-0.39384171962738035},{"text":"Yeah.","start":727.09,"end":727.41003,"sentiment":"negative","sentiment_score":-0.38534805178642273},{"text":"That was, what, May 20 '20 '4, wasn't it?","start":727.41003,"end":729.99,"sentiment":"negative","sentiment_score":-0.4958137075106303},{"text":"Alright.","start":734.05,"end":734.55,"sentiment":"neutral","sentiment_score":-0.053572237491607666}],"sentiment":"negative","sentiment_score":-0.41129834287696415,"num_words":36,"start":711.175,"end":734.55},{"sentences":[{"text":"Jeez.","start":741.11505,"end":741.61505,"sentiment":"neutral","sentiment_score":-0.1069759950041771},{"text":"What?","start":741.835,"end":742.155,"sentiment":"neutral","sentiment_score":-0.11130289733409882},{"text":"They get reports and everything and they found it in there.","start":742.155,"end":744.97504,"sentiment":"neutral","sentiment_score":-0.17088124291463333},{"text":"Oh, that's real.","start":746.875,"end":747.99,"sentiment":"neutral","sentiment_score":-0.28799174229304},{"text":"K.","start":749.65,"end":750.05,"sentiment":"neutral","sentiment_score":-0.1644071489572525}],"sentiment":"neutral","sentiment_score":-0.18390323177856557,"num_words":17,"start":741.11505,"end":750.05},{"sentences":[{"text":"So there's nothing I can really do there.","start":750.05,"end":751.97003,"sentiment":"negative","sentiment_score":-0.3893103878945112},{"text":"Hey.","start":751.97003,"end":752.21,"sentiment":"neutral","sentiment_score":-0.1831502914428711},{"text":"I'm not gonna try and get you some life insurance.","start":752.21,"end":754.69,"sentiment":"neutral","sentiment_score":-0.19706308841705322},{"text":"Just try and keep that income protection in place.","start":754.69,"end":756.87,"sentiment":"neutral","sentiment_score":-0.11661051627662447},{"text":"One thing I'll just quickly check.","start":761.65,"end":763.305,"sentiment":"neutral","sentiment_score":0.04402744397521019}],"sentiment":"neutral","sentiment_score":-0.17804689004140742,"num_words":34,"start":750.05,"end":763.305},{"sentences":[{"text":"Premiums.","start":764.825,"end":765.325,"sentiment":"neutral","sentiment_score":0.03079771064221859},{"text":"So this is really up to you here.","start":766.825,"end":769.325,"sentiment":"neutral","sentiment_score":0.07478086650371552},{"text":"Last time we we had research from QSuper, it was getting close to $7,000 a year, and it wouldn't surprise me if the next statement was showing 8 or 9,000 a year worth of premiums.","start":770.745,"end":782.36,"sentiment":"neutral","sentiment_score":-0.06417954726410764},{"text":"So the question is, do we alter that policy at all to get the premiums down?","start":784.01996,"end":789.16,"sentiment":"neutral","sentiment_score":-0.0637577143497765},{"text":"Like, they've got a benefit to the age of 65.","start":789.94,"end":792.27496,"sentiment":"neutral","sentiment_score":-0.011559800989925862}],"sentiment":"neutral","sentiment_score":-0.03932801358667867,"num_words":70,"start":764.825,"end":792.27496},{"sentences":[{"text":"Do we try and trim it down to five years?","start":792.27496,"end":794.615,"sentiment":"neutral","sentiment_score":-0.05937914699316025},{"text":"You've got a sixty day waiting period.","start":796.355,"end":798.115,"sentiment":"neutral","sentiment_score":-0.056852794119289944},{"text":"Do we kick it out to ninety days before you can claim?","start":798.115,"end":800.935,"sentiment":"neutral","sentiment_score":-0.07055855728685856},{"text":"Or would you be comfortable maybe chucking $30.40 bucks into the super to to help cover the cost and get a bit of a tax deduction?","start":802.515,"end":809.94,"sentiment":"neutral","sentiment_score":-0.049554039079409376},{"text":"I'm thinking with your income level, if you put, say, 50 a week in, it'll probably cost you about $30.32.","start":815.04,"end":822.255,"sentiment":"neutral","sentiment_score":-0.04932627864181995}],"sentiment":"neutral","sentiment_score":-0.05484525740146637,"num_words":75,"start":792.27496,"end":822.255},{"sentences":[{"text":"Would that be manageable?","start":823.51495,"end":824.57495,"sentiment":"neutral","sentiment_score":0.041801661252975464},{"text":"K.","start":827.27496,"end":827.595,"sentiment":"neutral","sentiment_score":0.008351349271833897},{"text":"What I'll do...","start":827.595,"end":828.57495,"sentiment":"neutral","sentiment_score":-0.01769084483385086},{"text":"Yeah.","start":833.27496,"end":833.675,"sentiment":"neutral","sentiment_score":0.09558671712875366},{"text":"And we'll send you through some details once the plan's done.","start":833.675,"end":837.15,"sentiment":"neutral","sentiment_score":0.12380394983020696}],"sentiment":"neutral","sentiment_score":0.07899578125216067,"num_words":20,"start":823.51495,"end":837.15},{"sentences":[{"text":"I'll model it that way just so you can see the difference that would make.","start":838.09,"end":841.71,"sentiment":"positive","sentiment_score":0.3723578651746114},{"text":"And for now, I'll keep the income protection in place.","start":841.93005,"end":844.41003,"sentiment":"neutral","sentiment_score":0.19709477424621583},{"text":"But in our next chat, I'm gonna put it all into an updated plan so it's in.","start":844.41003,"end":848.75,"sentiment":"neutral","sentiment_score":0.1928989580448936},{"text":"This is what you should do for the investments in hub and q super.","start":848.97504,"end":851.955,"sentiment":"neutral","sentiment_score":0.2432363693203245},{"text":"We'll put in the $50 in the super, maintain the income protection, update the old beneficiaries.","start":852.09503,"end":857.635,"sentiment":"neutral","sentiment_score":0.19924320559948683}],"sentiment":"neutral","sentiment_score":0.24206664537390074,"num_words":72,"start":838.09,"end":857.635},{"sentences":[{"text":"And from there, if you wanna make any alterations from there, you just let me know.","start":858.09503,"end":862.03503,"sentiment":"neutral","sentiment_score":0.18134029768407345},{"text":"K?","start":864.015,"end":864.39,"sentiment":"neutral","sentiment_score":0.08965787291526794},{"text":"How's that sound so far?","start":865.35004,"end":866.73004,"sentiment":"neutral","sentiment_score":0.1689772516489029},{"text":"Cool.","start":870.07007,"end":870.57007,"sentiment":"neutral","sentiment_score":0.13158315420150757},{"text":"Yeah.","start":873.91003,"end":874.41003,"sentiment":"neutral","sentiment_score":0.10706084966659546}],"sentiment":"neutral","sentiment_score":0.16977637074887753,"num_words":24,"start":858.09503,"end":874.41003},{"sentences":[{"text":"When we submitted that, I think on the eighteenth or sixteenth, it should have come through now.","start":875.03,"end":881.16504,"sentiment":"neutral","sentiment_score":0.11211544187629924},{"text":"They're usually pretty quick twenty four hour kind of thing.","start":881.54504,"end":884.125,"sentiment":"neutral","sentiment_score":0.09996413998305798},{"text":"So if you can send that through to us, I'm assuming you've got our email addresses there from previous emails.","start":884.185,"end":890.745,"sentiment":"neutral","sentiment_score":0.03038788940757513},{"text":"Or do you want me to text it through to you?","start":890.745,"end":898.1,"sentiment":"neutral","sentiment_score":0.037303921173919334},{"text":"Easy done.","start":898.1,"end":899.0,"sentiment":"positive","sentiment_score":0.354698583483696}],"sentiment":"neutral","sentiment_score":0.07721836666266123,"num_words":60,"start":875.03,"end":899.0},{"sentences":[{"text":"So I'll go text your email through the q super statement to send it up to the team.","start":900.82,"end":908.685,"sentiment":"neutral","sentiment_score":0.27257873945766026},{"text":"And when it comes to the beneficiary nominations, are you okay to, like, if we email them through to print them out, get them signed a witness, or should I kind of just post you out a pack with a return envelope?","start":909.165,"end":920.465,"sentiment":"neutral","sentiment_score":0.08543201420633566},{"text":"Yep.","start":923.965,"end":924.36,"sentiment":"neutral","sentiment_score":0.13131871819496155},{"text":"Easy done.","start":924.51996,"end":925.33997,"sentiment":"neutral","sentiment_score":0.2456304207444191},{"text":"Awesome.","start":929.88,"end":930.38,"sentiment":"positive","sentiment_score":0.4986802935600281}],"sentiment":"neutral","sentiment_score":0.15024721500230953,"num_words":64,"start":900.82,"end":930.38},{"sentences":[{"text":"I'll do a postage.","start":930.51996,"end":931.74,"sentiment":"positive","sentiment_score":0.3380424380302429},{"text":"And outside of that, when you get the forms, because they are legal documents, if you have any trouble with what to tick, we'll try and prefill what we can.","start":932.44,"end":941.095,"sentiment":"neutral","sentiment_score":0.17713431939482688},{"text":"Just give us a buzz.","start":941.095,"end":941.975,"sentiment":"neutral","sentiment_score":0.24470633566379546},{"text":"The team can walk you through it in thirty seconds flat.","start":941.975,"end":944.395,"sentiment":"neutral","sentiment_score":0.31588074429468677},{"text":"Just try not to...","start":945.575,"end":946.295,"sentiment":"neutral","sentiment_score":0.05037752725183964}],"sentiment":"neutral","sentiment_score":0.21418387608395684,"num_words":54,"start":930.51996,"end":946.295},{"sentences":[{"text":"If you make any mistakes, you can't kind of, you know, cross it out or anything like that.","start":946.295,"end":950.31,"sentiment":"neutral","sentiment_score":-0.1627105354434914},{"text":"That will decline it.","start":950.31,"end":951.35,"sentiment":"neutral","sentiment_score":-0.20457700453698635},{"text":"But just give us a buzz if you need to.","start":951.35,"end":953.37,"sentiment":"neutral","sentiment_score":0.12703921049833297},{"text":"And the last thing was...","start":955.35,"end":956.79,"sentiment":"neutral","sentiment_score":0.007833899930119514},{"text":"I do apologize.","start":956.79,"end":957.67,"sentiment":"neutral","sentiment_score":-0.14006041487058005}],"sentiment":"neutral","sentiment_score":-0.07144293240271508,"num_words":40,"start":946.295,"end":957.67},{"sentences":[{"text":"I'm just having a look through the notes here opting into the QSIP.","start":957.67,"end":961.59,"sentiment":"neutral","sentiment_score":-0.0031135219794053296},{"text":"So your contributions are going there.","start":961.59,"end":963.03,"sentiment":"neutral","sentiment_score":0.07833252847194672},{"text":"That's great.","start":963.03,"end":963.705,"sentiment":"positive","sentiment_score":0.7431451082229614},{"text":"Your Hub twenty four login, we can see that's kind of locked online.","start":964.025,"end":967.945,"sentiment":"neutral","sentiment_score":0.01806043117092206},{"text":"Do you want us to reset it?","start":967.945,"end":969.48505,"sentiment":"neutral","sentiment_score":-0.03435549060148852}],"sentiment":"neutral","sentiment_score":0.04658797006236344,"num_words":41,"start":957.67,"end":969.48505},{"sentences":[{"text":"Yep.","start":973.145,"end":973.54504,"sentiment":"neutral","sentiment_score":0.15978847444057465},{"text":"Easy done.","start":973.54504,"end":974.365,"sentiment":"neutral","sentiment_score":0.3269340544939041},{"text":"Reset login.","start":975.065,"end":976.04504,"sentiment":"neutral","sentiment_score":0.09112611040472984},{"text":"Alright.","start":976.34503,"end":976.66504,"sentiment":"neutral","sentiment_score":0.12434598058462144},{"text":"Now I do have one last thing.","start":976.66504,"end":978.48,"sentiment":"neutral","sentiment_score":0.12291703692504338}],"sentiment":"neutral","sentiment_score":0.15235954179213598,"num_words":13,"start":973.145,"end":978.48},{"sentences":[{"text":"That email pack I sent out to you, we've got the summaries of your super and your insurance as far as we know.","start":978.72,"end":984.8,"sentiment":"neutral","sentiment_score":0.17003996994184412},{"text":"Obviously, we're gonna get the updated statement for the QSuper.","start":984.8,"end":987.45996,"sentiment":"neutral","sentiment_score":0.14458902627229692},{"text":"We've also got an updated service guide with Oakview, and we have actually changed our fee structure this year as well.","start":988.16,"end":994.875,"sentiment":"neutral","sentiment_score":0.16605545757781892},{"text":"So instead of the usual 1.65%, we've got discounts for people above 200,000, which includes you, where the percentage drops from 1.65 down after 200,000.","start":995.095,"end":1008.875,"sentiment":"neutral","sentiment_score":0.0886608549952507},{"text":"When you get to 500,000, it drops again.","start":1009.10004,"end":1011.52,"sentiment":"neutral","sentiment_score":0.07191166002303362}],"sentiment":"neutral","sentiment_score":0.13374469925959906,"num_words":87,"start":978.72,"end":1011.52},{"sentences":[{"text":"And we basically just put it in there as a flat fee now rather than it floating up with your balance.","start":1011.9,"end":1016.64,"sentiment":"neutral","sentiment_score":0.07849642705349695},{"text":"K?","start":1016.78,"end":1017.02,"sentiment":"neutral","sentiment_score":0.05664383992552757},{"text":"So a bit of a discount for you this year.","start":1017.02,"end":1019.04004,"sentiment":"neutral","sentiment_score":0.12176965624094009},{"text":"Cool.","start":1020.7,"end":1021.185,"sentiment":"positive","sentiment_score":0.45763224363327026},{"text":"The last thing in there is a tax file number opt in 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Steve?","start":1038.9,"end":1041.24,"sentiment":"neutral","sentiment_score":0.14296992123126984}],"sentiment":"neutral","sentiment_score":0.13773545699024742,"num_words":44,"start":1025.185,"end":1041.24},{"sentences":[{"text":"Perfect.","start":1045.22,"end":1045.72,"sentiment":"neutral","sentiment_score":0.323686808347702},{"text":"Alrighty.","start":1047.3,"end":1047.8,"sentiment":"neutral","sentiment_score":0.10769473016262054},{"text":"So from here, as soon as we get that q super statement, I'll pass it over to the team to do the comparisons and research.","start":1047.86,"end":1053.7949,"sentiment":"neutral","sentiment_score":0.14825137823820114},{"text":"Once the plan is done, we'll get you booked in, and I'll run you through the updated figures and and see if you're happy with 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mate.","start":1080.325,"end":1080.8049,"sentiment":"positive","sentiment_score":0.8388889133930206}],"sentiment":"positive","sentiment_score":0.5352102193762275,"num_words":34,"start":1066.99,"end":1080.8049},{"sentences":[{"text":"Have a great day.","start":1080.8049,"end":1081.605,"sentiment":"positive","sentiment_score":0.7707209438085556},{"text":"Bye.","start":1081.605,"end":1082.105,"sentiment":"positive","sentiment_score":0.4222264289855957}],"sentiment":"positive","sentiment_score":0.7010220408439636,"num_words":5,"start":1080.8049,"end":1082.105}]}}]},{"alternatives":[{"transcript":"Sorry. Good. Yes. Yes. 03/06/1969. 135 Sundance Road, Gymboree Heights, Queensland. Yes. Probably give me a walk through at the moment. Yeah. I got you. Yeah. Yeah. I want to change... Yeah. I want to change my beneficiaries' super ID. If you can send me the relevant paperwork for that. My wife. I was gonna do, like, 5% for both Amanda and Harry and the rest to the wife. Yeah. Yep. And my spouse is Sharon, isn't it? Alright. Yep. Good. Yeah. Yeah. Yeah. Yeah. Yeah. It could be a 100 or 75. I can't recall what it is at the moment. Haven't seen it. Next pay slip. Yes. Mhmm. No. I haven't. Yes. Mhmm. Yep. Yep. Oh, let me just see if I can have a look for you for a sec. Let's see. Just have a quick look. I had a look at the bank account yesterday. I think I might have taken a picture of it, what I have. So I should be able to let you know. Let's see. It's about $2.25. Yeah. Possibly. Let's see. Could the card say 14.5? Be around about 15.5 or a lot. Yes. K. That'd be about... Around that $40.45. How far is that, I wish. Not at the moment. Just to stay healthy. That's all. Okay. I'll have to have a look. Okay. Yes. Yep. I just concentrate on the mortgage at the moment. Yes. Yep. Mhmm. Yep. Yep. Anything's possible with Trump, the way he's carrying on in that. Oh, yes. The other countries too. Yep. Oh, it's hard to say what the market's gonna do, man. Yeah. I probably do lower fees at the moment. Kidding. Yep. K. Mhmm. Yep. Alright. Yeah. It should be out today. Yeah. It should be okay. No. No. Because I was diagnosed with cancer about two years ago. So that's rude. Yeah. Well, actually, I didn't find out till August 24. But the health insurance companies where the applications went new before I did. Yeah. It must've, because I didn't find out. Yeah. Yep. Mhmm. I could put a tiny bit more in, I suppose. Mhmm. Yes. Just just me... Next time I'm at work, I just have to update my contributions. That's all. Yep. Okay. Okay. I just have to see or look for any super statements I got from super key super. Alright. Mhmm. Can't recall. Yeah. It just takes it through. Probably on the safe side. Probably better off post it out in the pack because it's hard to print things out at work at times because printers are not always working. Yep. Yep. Okay. Oh, yeah. Must... Yeah. It'd be better. Mhmm. Alright. Mhmm. Alright. That's good. Yep. Mhmm. Yep. Oh, and I. Not not Christians. Yeah. Yep. I'll have a look later today in my emails and that so you can find it. Yep. Okay. Yep. Okay. Thank you. Yep. Thank you. 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Good. Yes. Yes. 03/06/1969.\n\n135 Sundance Road, Gymboree Heights, Queensland. Yes. Probably give me a walk through at the moment. Yeah. I got you.\n\nYeah. Yeah. I want to change... Yeah. I want to change my beneficiaries' super ID.\n\nIf you can send me the relevant paperwork for that. My wife. I was gonna do, like, 5% for both Amanda and Harry and the rest to the wife. Yeah. Yep.\n\nAnd my spouse is Sharon, isn't it? Alright. Yep. Good. Yeah.\n\nYeah. Yeah. Yeah. Yeah. It could be a 100 or 75.\n\nI can't recall what it is at the moment. Haven't seen it. Next pay slip. Yes. Mhmm.\n\nNo. I haven't. Yes. Mhmm. Yep.\n\nYep. Oh, let me just see if I can have a look for you for a sec. Let's see. Just have a quick look. I had a look at the bank account yesterday.\n\nI think I might have taken a picture of it, what I have. So I should be able to let you know. Let's see. It's about $2.25. Yeah.\n\nPossibly. Let's see. Could the card say 14.5? Be around about 15.5 or a lot. Yes.\n\nK. That'd be about... Around that $40.45. How far is that, I wish. Not at the moment.\n\nJust to stay healthy. That's all. Okay. I'll have to have a look. Okay.\n\nYes. Yep. I just concentrate on the mortgage at the moment. Yes. Yep.\n\nMhmm. Yep. Yep. Anything's possible with Trump, the way he's carrying on in that. Oh, yes.\n\nThe other countries too. Yep. Oh, it's hard to say what the market's gonna do, man. Yeah. I probably do lower fees at the moment.\n\nKidding. Yep. K. Mhmm. Yep.\n\nAlright. Yeah. It should be out today. Yeah. It should be okay.\n\nNo. No. Because I was diagnosed with cancer about two years ago. So that's rude. Yeah.\n\nWell, actually, I didn't find out till August 24. But the health insurance companies where the applications went new before I did. Yeah. It must've, because I didn't find out. Yeah.\n\nYep. Mhmm. I could put a tiny bit more in, I suppose. Mhmm. Yes.\n\nJust just me... Next time I'm at work, I just have to update my contributions. That's all. Yep. Okay.\n\nOkay. I just have to see or look for any super statements I got from super key super. Alright. Mhmm. Can't recall.\n\nYeah. It just takes it through. Probably on the safe side. Probably better off post it out in the pack because it's hard to print things out at work at times because printers are not always working. Yep.\n\nYep. Okay. Oh, yeah. Must... Yeah.\n\nIt'd be better. Mhmm. Alright. Mhmm. Alright.\n\nThat's good. Yep. Mhmm. Yep. Oh, and I.\n\nNot not Christians. Yeah. Yep. I'll have a look later today in my emails and that so you can find it. Yep.\n\nOkay. Yep. Okay. Thank you. Yep.\n\nThank you. 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slip.","start":175.90001,"end":176.96,"sentiment":"neutral","sentiment_score":0.022999370470643044},{"text":"Yes.","start":198.72,"end":199.22,"sentiment":"neutral","sentiment_score":0.21396774053573608},{"text":"Mhmm.","start":219.775,"end":219.855,"sentiment":"neutral","sentiment_score":-0.01593932881951332}],"sentiment":"neutral","sentiment_score":-0.020555621232180035,"num_words":17,"start":172.94,"end":219.855},{"sentences":[{"text":"No.","start":219.855,"end":220.17499,"sentiment":"neutral","sentiment_score":-0.08833181858062744},{"text":"I haven't.","start":220.17499,"end":220.83499,"sentiment":"neutral","sentiment_score":-0.09544792398810387},{"text":"Yes.","start":224.79,"end":225.29,"sentiment":"neutral","sentiment_score":0.1017528995871544},{"text":"Mhmm.","start":232.63,"end":232.79,"sentiment":"neutral","sentiment_score":0.06350015103816986},{"text":"Yep.","start":232.79,"end":233.29,"sentiment":"neutral","sentiment_score":0.11000043153762816}],"sentiment":"neutral","sentiment_score":-0.0006623640656471275,"num_words":6,"start":219.855,"end":233.29},{"sentences":[{"text":"Yep.","start":243.495,"end":243.995,"sentiment":"neutral","sentiment_score":0.027200212702155113},{"text":"Oh, let me just see if I can have a look for you for a sec.","start":249.95001,"end":254.29001,"sentiment":"neutral","sentiment_score":0.03594358020927757},{"text":"Let's see.","start":255.47,"end":256.21002,"sentiment":"positive","sentiment_score":0.3481811434030533},{"text":"Just have a quick look.","start":260.99,"end":262.61002,"sentiment":"neutral","sentiment_score":0.10730282664299011},{"text":"I had a look at the bank account yesterday.","start":263.905,"end":265.845,"sentiment":"neutral","sentiment_score":0.04830238843957583}],"sentiment":"neutral","sentiment_score":0.06878470945538896,"num_words":33,"start":243.495,"end":265.845},{"sentences":[{"text":"I think I might have taken a picture of it, what I have.","start":266.225,"end":268.88498,"sentiment":"neutral","sentiment_score":0.05776815947431784},{"text":"So I should be able to let you know.","start":269.905,"end":272.005,"sentiment":"neutral","sentiment_score":0.2623142252365748},{"text":"Let's see.","start":272.465,"end":273.285,"sentiment":"neutral","sentiment_score":0.07797093689441681},{"text":"It's about $2.25.","start":274.54498,"end":276.32498,"sentiment":"neutral","sentiment_score":0.05502431094646454},{"text":"Yeah.","start":288.99002,"end":289.31,"sentiment":"neutral","sentiment_score":0.03700954094529152}],"sentiment":"neutral","sentiment_score":0.12392280170960086,"num_words":28,"start":266.225,"end":289.31},{"sentences":[{"text":"Possibly.","start":289.31,"end":289.81,"sentiment":"neutral","sentiment_score":0.03121380135416985},{"text":"Let's see.","start":301.695,"end":302.755,"sentiment":"neutral","sentiment_score":0.03482402488589287},{"text":"Could the card say 14.5?","start":303.05502,"end":309.63,"sentiment":"neutral","sentiment_score":0.02005758136510849},{"text":"Be around about 15.5 or a lot.","start":309.63,"end":312.62,"sentiment":"neutral","sentiment_score":0.02832715479390962},{"text":"Yes.","start":320.745,"end":321.245,"sentiment":"neutral","sentiment_score":0.02802412584424019}],"sentiment":"neutral","sentiment_score":0.026716497959569097,"num_words":16,"start":289.31,"end":321.245},{"sentences":[{"text":"K.","start":322.585,"end":323.085,"sentiment":"neutral","sentiment_score":0.004418822471052408},{"text":"That'd be about...","start":323.145,"end":324.025,"sentiment":"neutral","sentiment_score":0.0019233614827195804},{"text":"Around that $40.45.","start":324.025,"end":325.805,"sentiment":"neutral","sentiment_score":-0.0050406598796447115},{"text":"How far is that, I wish.","start":332.94,"end":338.08,"sentiment":"neutral","sentiment_score":-0.07434945305188496},{"text":"Not at the moment.","start":346.77502,"end":347.755,"sentiment":"negative","sentiment_score":-0.33972660452127457}],"sentiment":"neutral","sentiment_score":-0.10646683583036065,"num_words":17,"start":322.585,"end":347.755},{"sentences":[{"text":"Just to stay healthy.","start":349.255,"end":350.295,"sentiment":"neutral","sentiment_score":0.32690030708909035},{"text":"That's all.","start":350.295,"end":351.035,"sentiment":"positive","sentiment_score":0.3827781081199646},{"text":"Okay.","start":387.84,"end":388.34,"sentiment":"neutral","sentiment_score":-0.04825514927506447},{"text":"I'll have to have a look.","start":388.88,"end":390.02,"sentiment":"neutral","sentiment_score":0.008126103319227695},{"text":"Okay.","start":412.89,"end":413.39,"sentiment":"neutral","sentiment_score":0.11878576874732973}],"sentiment":"neutral","sentiment_score":0.15660319171313727,"num_words":14,"start":349.255,"end":413.39},{"sentences":[{"text":"Yes.","start":422.33002,"end":422.83002,"sentiment":"neutral","sentiment_score":0.24041448533535004},{"text":"Yep.","start":425.21002,"end":425.71002,"sentiment":"neutral","sentiment_score":0.1190926358103752},{"text":"I just concentrate on the mortgage at the moment.","start":434.785,"end":437.685,"sentiment":"neutral","sentiment_score":0.02766863712006145},{"text":"Yes.","start":456.665,"end":457.165,"sentiment":"neutral","sentiment_score":0.03099992126226425},{"text":"Yep.","start":482.55502,"end":483.05502,"sentiment":"neutral","sentiment_score":-0.035319987684488297}],"sentiment":"neutral","sentiment_score":0.046477291446465716,"num_words":13,"start":422.33002,"end":483.05502},{"sentences":[{"text":"Mhmm.","start":485.355,"end":485.855,"sentiment":"neutral","sentiment_score":0.02333303540945053},{"text":"Yep.","start":485.99503,"end":486.49503,"sentiment":"neutral","sentiment_score":0.07191739231348038},{"text":"Yep.","start":507.795,"end":508.295,"sentiment":"neutral","sentiment_score":0.03820095956325531},{"text":"Anything's possible with Trump, the way he's carrying on in that.","start":536.59,"end":541.29504,"sentiment":"neutral","sentiment_score":-0.23017801615324887},{"text":"Oh, yes.","start":545.35504,"end":545.755,"sentiment":"neutral","sentiment_score":-0.05889245495200157}],"sentiment":"neutral","sentiment_score":-0.15726823126897216,"num_words":16,"start":485.355,"end":545.755},{"sentences":[{"text":"The other countries too.","start":545.755,"end":547.215,"sentiment":"neutral","sentiment_score":-0.09427289851009846},{"text":"Yep.","start":571.245,"end":571.745,"sentiment":"neutral","sentiment_score":0.06773124635219574},{"text":"Oh, it's hard to say what the market's gonna do, man.","start":605.1,"end":608.24,"sentiment":"neutral","sentiment_score":-0.14798738807439804},{"text":"Yeah.","start":611.1,"end":611.6,"sentiment":"neutral","sentiment_score":0.08112992346286774},{"text":"I probably do lower fees at the moment.","start":623.385,"end":625.725,"sentiment":"neutral","sentiment_score":0.11978136375546455}],"sentiment":"neutral","sentiment_score":-0.035913631319999695,"num_words":25,"start":545.755,"end":625.725},{"sentences":[{"text":"Kidding.","start":648.835,"end":649.335,"sentiment":"neutral","sentiment_score":0.01737901009619236},{"text":"Yep.","start":651.795,"end":652.03503,"sentiment":"neutral","sentiment_score":0.07616158574819565},{"text":"K.","start":652.03503,"end":652.53503,"sentiment":"neutral","sentiment_score":0.09677243232727052},{"text":"Mhmm.","start":659.04,"end":659.54,"sentiment":"neutral","sentiment_score":-0.025317464023828503},{"text":"Yep.","start":664.56,"end":665.06,"sentiment":"neutral","sentiment_score":0.06091448664665222}],"sentiment":"neutral","sentiment_score":0.045182010158896446,"num_words":5,"start":648.835,"end":665.06},{"sentences":[{"text":"Alright.","start":671.44,"end":671.94,"sentiment":"neutral","sentiment_score":0.09109534323215485},{"text":"Yeah.","start":698.79,"end":699.02997,"sentiment":"neutral","sentiment_score":0.058709267526865005},{"text":"It should be out today.","start":699.02997,"end":700.32996,"sentiment":"neutral","sentiment_score":0.07322173789143563},{"text":"Yeah.","start":706.905,"end":707.145,"sentiment":"neutral","sentiment_score":0.19494833052158356},{"text":"It should be okay.","start":707.145,"end":708.125,"sentiment":"neutral","sentiment_score":0.22760435938835144}],"sentiment":"neutral","sentiment_score":0.13510658902426562,"num_words":12,"start":671.44,"end":708.125},{"sentences":[{"text":"No.","start":722.48,"end":722.88,"sentiment":"negative","sentiment_score":-0.4782978296279907},{"text":"No.","start":722.88,"end":723.38,"sentiment":"negative","sentiment_score":-0.5086053013801575},{"text":"Because I was diagnosed with cancer about two years ago.","start":723.6,"end":726.32,"sentiment":"negative","sentiment_score":-0.5214444428682328},{"text":"So that's rude.","start":726.32,"end":729.3,"sentiment":"negative","sentiment_score":-0.5931563178698221},{"text":"Yeah.","start":730.075,"end":730.575,"sentiment":"neutral","sentiment_score":-0.1138889268040657}],"sentiment":"negative","sentiment_score":-0.5059190900065005,"num_words":16,"start":722.48,"end":730.575},{"sentences":[{"text":"Well, actually, I didn't find out till August 24.","start":731.115,"end":733.5349,"sentiment":"neutral","sentiment_score":-0.14837409224775103},{"text":"But the health insurance companies where the applications went new before I did.","start":735.115,"end":739.615,"sentiment":"neutral","sentiment_score":-0.10122369057857074},{"text":"Yeah.","start":745.39,"end":745.47,"sentiment":"neutral","sentiment_score":-0.14832618832588196},{"text":"It must've, because I didn't find out.","start":745.47,"end":747.73,"sentiment":"neutral","sentiment_score":-0.2634183551583971},{"text":"Yeah.","start":753.07,"end":753.57,"sentiment":"neutral","sentiment_score":-0.15094181895256042}],"sentiment":"neutral","sentiment_score":-0.15466036455285165,"num_words":31,"start":731.115,"end":753.57},{"sentences":[{"text":"Yep.","start":759.39,"end":759.825,"sentiment":"neutral","sentiment_score":0.037053100764751434},{"text":"Mhmm.","start":783.23,"end":783.73,"sentiment":"neutral","sentiment_score":-0.021832209080457687},{"text":"I could put a tiny bit more in, I suppose.","start":811.355,"end":813.455,"sentiment":"neutral","sentiment_score":-0.08930791392922402},{"text":"Mhmm.","start":822.875,"end":823.375,"sentiment":"neutral","sentiment_score":0.0183377955108881},{"text":"Yes.","start":825.45996,"end":825.95996,"sentiment":"neutral","sentiment_score":0.06159750372171402}],"sentiment":"neutral","sentiment_score":-0.05699449631252459,"num_words":14,"start":759.39,"end":825.95996},{"sentences":[{"text":"Just just me...","start":827.38,"end":828.5,"sentiment":"neutral","sentiment_score":-0.005587299664815267},{"text":"Next time I'm at work, I just have to update my contributions.","start":828.5,"end":831.88,"sentiment":"neutral","sentiment_score":-0.030053348590930302},{"text":"That's all.","start":832.1,"end":832.92,"sentiment":"neutral","sentiment_score":0.029593437910079956},{"text":"Yep.","start":841.955,"end":842.455,"sentiment":"neutral","sentiment_score":0.25556254386901855},{"text":"Okay.","start":862.56,"end":863.06,"sentiment":"neutral","sentiment_score":0.10985389351844788}],"sentiment":"neutral","sentiment_score":0.002484275322211416,"num_words":19,"start":827.38,"end":863.06},{"sentences":[{"text":"Okay.","start":867.285,"end":867.785,"sentiment":"neutral","sentiment_score":0.09475147724151611},{"text":"I just have to see or look for any super statements I got from super key super.","start":868.165,"end":873.225,"sentiment":"neutral","sentiment_score":0.08430486260091558},{"text":"Alright.","start":884.46,"end":884.96,"sentiment":"neutral","sentiment_score":0.06261849403381348},{"text":"Mhmm.","start":888.14,"end":888.64,"sentiment":"neutral","sentiment_score":0.017906244844198227},{"text":"Can't recall.","start":891.58,"end":892.48004,"sentiment":"neutral","sentiment_score":0.00024014501832425594}],"sentiment":"neutral","sentiment_score":0.07313359865326095,"num_words":22,"start":867.285,"end":892.48004},{"sentences":[{"text":"Yeah.","start":895.23505,"end":895.55505,"sentiment":"neutral","sentiment_score":0.1047721803188324},{"text":"It just takes it through.","start":895.55505,"end":896.695,"sentiment":"neutral","sentiment_score":0.128108449280262},{"text":"Probably on the safe side.","start":897.79504,"end":899.255,"sentiment":"neutral","sentiment_score":0.28422666639089583},{"text":"Probably better off post it out in the pack because it's hard to print things out at work at times because printers are not always working.","start":921.36,"end":928.665,"sentiment":"neutral","sentiment_score":-0.12540947173077327},{"text":"Yep.","start":943.09,"end":943.59,"sentiment":"neutral","sentiment_score":0.2654004693031311}],"sentiment":"neutral","sentiment_score":-0.021810474658482952,"num_words":38,"start":895.23505,"end":943.59},{"sentences":[{"text":"Yep.","start":951.89,"end":952.39,"sentiment":"neutral","sentiment_score":0.13735997676849365},{"text":"Okay.","start":953.045,"end":953.545,"sentiment":"neutral","sentiment_score":0.041008591651916504},{"text":"Oh, yeah.","start":970.02997,"end":970.51,"sentiment":"neutral","sentiment_score":-0.023990548215806484},{"text":"Must...","start":970.51,"end":970.99,"sentiment":"neutral","sentiment_score":-0.022937051951885223},{"text":"Yeah.","start":970.99,"end":971.06,"sentiment":"neutral","sentiment_score":-0.0008376389741897583}],"sentiment":"neutral","sentiment_score":0.017768796843787033,"num_words":6,"start":951.89,"end":971.06},{"sentences":[{"text":"It'd be better.","start":971.06,"end":972.05,"sentiment":"neutral","sentiment_score":0.015388313370446364},{"text":"Mhmm.","start":988.135,"end":988.635,"sentiment":"neutral","sentiment_score":0.10041409730911256},{"text":"Alright.","start":1015.425,"end":1015.925,"sentiment":"neutral","sentiment_score":0.08370908349752426},{"text":"Mhmm.","start":1017.505,"end":1018.005,"sentiment":"neutral","sentiment_score":0.08072197437286377},{"text":"Alright.","start":1019.185,"end":1019.425,"sentiment":"neutral","sentiment_score":0.32857656478881836}],"sentiment":"neutral","sentiment_score":0.09136952286852258,"num_words":7,"start":971.06,"end":1019.425},{"sentences":[{"text":"That's good.","start":1019.425,"end":1020.16504,"sentiment":"positive","sentiment_score":0.5522819757461548},{"text":"Yep.","start":1029.83,"end":1030.33,"sentiment":"neutral","sentiment_score":0.091854989528656},{"text":"Mhmm.","start":1033.4299,"end":1033.9299,"sentiment":"neutral","sentiment_score":0.06611444056034088},{"text":"Yep.","start":1036.07,"end":1036.57,"sentiment":"neutral","sentiment_score":0.2090831845998764},{"text":"Oh, and I.","start":1040.645,"end":1041.625,"sentiment":"neutral","sentiment_score":0.1250139648715655}],"sentiment":"neutral","sentiment_score":0.23083230759948492,"num_words":8,"start":1019.425,"end":1041.625},{"sentences":[{"text":"Not not Christians.","start":1045.605,"end":1046.505,"sentiment":"neutral","sentiment_score":-0.05968679115176201},{"text":"Yeah.","start":1053.285,"end":1053.785,"sentiment":"neutral","sentiment_score":0.09959066659212112},{"text":"Yep.","start":1060.41,"end":1060.7301,"sentiment":"neutral","sentiment_score":0.02740340307354927},{"text":"I'll have a look later today in my emails and that so you can find it.","start":1060.7301,"end":1065.79,"sentiment":"neutral","sentiment_score":0.22033353708684444},{"text":"Yep.","start":1069.2101,"end":1069.7101,"sentiment":"neutral","sentiment_score":0.1460913121700287}],"sentiment":"neutral","sentiment_score":0.16451643644408745,"num_words":22,"start":1045.605,"end":1069.7101},{"sentences":[{"text":"Okay.","start":1071.785,"end":1072.285,"sentiment":"neutral","sentiment_score":0.1579975783824921},{"text":"Yep.","start":1075.145,"end":1075.645,"sentiment":"positive","sentiment_score":0.44457265734672546},{"text":"Okay.","start":1078.505,"end":1079.005,"sentiment":"positive","sentiment_score":0.4141069650650024},{"text":"Thank you.","start":1079.145,"end":1079.885,"sentiment":"positive","sentiment_score":0.7282077968120575},{"text":"Yep.","start":1081.9329,"end":1082.1729,"sentiment":"neutral","sentiment_score":0.24873444437980652}],"sentiment":"positive","sentiment_score":0.45363787313302356,"num_words":6,"start":1071.785,"end":1082.1729},{"sentences":[{"text":"Thank you.","start":1082.1729,"end":1082.8928,"sentiment":"positive","sentiment_score":0.5719790160655975},{"text":"Bye.","start":1082.8928,"end":1083.3928,"sentiment":"neutral","sentiment_score":-0.12241929024457932}],"sentiment":"positive","sentiment_score":0.34051291396220523,"num_words":3,"start":1082.1729,"end":1083.3928}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Sorry.\n\nChannel 0: Good day, Steven. It's Tommy here, senior adviser from OakviewMate. How are you doing?\n\nChannel 1: Good.\n\nChannel 0: Good to hear, mate. Good to hear. I've got you booked in for that rescheduled annual review. Do you\n\nChannel 1: Yes.\n\nChannel 0: have a bit of time for me? Perfect. So,\n\nChannel 1: Yes.\n\nChannel 0: mate, before I begin, I've got a bit of a pack to send out to you, and I'm just gonna run through a quick security check. I don't have a password on file. Could I please get your date of birth and address, please?\n\nChannel 1: 03/06/1969. 135 Sundance Road, Gymboree Heights,\n\nChannel 0: Perfect.\n\nChannel 1: Queensland.\n\nChannel 0: Sensational. And I'm registered with ASIC as adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now I've got this pack ready to send out to your Gmail account. Will you better look onto it with me, or should I just kinda give you a bit of a walk through?\n\nChannel 1: Probably give me a walk through at the moment.\n\nChannel 0: No worries. I'll send it out just so you've got it there.\n\nChannel 1: Yeah.\n\nChannel 0: Should go through your main box. If you haven't used our new system before, it may go to your spam folder for the\n\nChannel 1: I\n\nChannel 0: first\n\nChannel 1: got\n\nChannel 0: one.\n\nChannel 1: you.\n\nChannel 0: Cool. Now my intentions today is... I'm really glad I've caught you. Wanted to update a few details on file just to see what may have changed. And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the moment.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Anything\n\nChannel 1: I want to\n\nChannel 0: in\n\nChannel 1: change...\n\nChannel 0: particular... Yep. Go\n\nChannel 1: Yeah.\n\nChannel 0: for it.\n\nChannel 1: I want to change my beneficiaries' super ID. If\n\nChannel 0: Yep.\n\nChannel 1: you can send me the relevant paperwork for that.\n\nChannel 0: Of course. So I can see at the moment, we have spouse and two children listed, Amanda and Harry. Who do you want added on there?\n\nChannel 1: My wife.\n\nChannel 0: Just a 100%?\n\nChannel 1: I was gonna do, like, 5% for both Amanda and Harry and the rest to the wife.\n\nChannel 0: Yep. No worries. 5%, 5%, and 90. And do you want that the same kind of... Like, you had a non lapsing binding nomination, so it's legally binding and it doesn't expire?\n\nChannel 1: Yeah.\n\nChannel 0: That sound good?\n\nChannel 1: Yep. And\n\nChannel 0: And\n\nChannel 1: my spouse\n\nChannel 0: for\n\nChannel 1: is Sharon, isn't it?\n\nChannel 0: yes.\n\nChannel 1: Alright. Yep. Good.\n\nChannel 0: So keep that all the same. Just change the\n\nChannel 1: Yeah.\n\nChannel 0: weightings a little bit. And that's for both the the q super and the hub?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. Alrighty. I'm just gonna quickly go through your details for a second, then I'll dive into it with you. We've got a train driver for Queensland Rail on about a 125,000. That still sound about right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. Do you have a set savings amount that you're still able to put away? I think we had about 100 a week previously.\n\nChannel 1: It could be a 100 or 75. I can't recall what it is at the moment. Haven't seen it.\n\nChannel 0: Yeah.\n\nChannel 1: Next pay slip.\n\nChannel 0: Okay. Cool. So it sort of fluctuates a little bit, but still trying to put aside a little bit of money. Good. And in terms of the goals, so when we previously spoke to you, you were focusing on some home renovations and then the idea of cutting back some work hours, doing a bit more travel, paying off the mortgage.\n\nDoes all that still sound current?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Outside of that, we've got retirement towards age sort of 65, 67 on about 2,000 a week would be ideal. Perfect. Last couple of things, in terms of the estate planning. So if we're updating the beneficiaries, did you put in place, like, a will or a power of attorney yet?\n\nChannel 1: Mhmm. No. I haven't.\n\nChannel 0: K. I'll put in a bit of a reminder for those. If\n\nChannel 1: Yes.\n\nChannel 0: it does help, you can get government approved kits from the post office for about $25 a pop, but they're very, very basic.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Cool. And in terms of the assets and liabilities, so we've got the home, the Corolla credit card solar panels.\n\nChannel 1: Yep.\n\nChannel 0: The amount owing on the mortgage at the moment, is it still around $2.40, or have you knocked a chunk off of that?\n\nChannel 1: Oh, let me just see if I can have a look for you for a sec.\n\nChannel 0: Thank you so much. Appreciate\n\nChannel 1: Let's see.\n\nChannel 0: that. I'll do a online evaluation check while you do that, just see what the market's saying.\n\nChannel 1: Just have a quick look. I had a look at the bank account yesterday. I think I might have taken a picture of it, what I have.\n\nChannel 0: Oh, cool.\n\nChannel 1: So I should be able to let you know. Let's see. It's about $2.25.\n\nChannel 0: 25. Thank you for that. And the market's saying online that your property is probably valued closer to $938,000 instead of $8.50. Does that sound about right?\n\nChannel 1: Yeah. Possibly.\n\nChannel 0: Alright. I'll use that for now. We've got the Corolla there. No debt on that one. We did have $18.5 for the credit card and solar panels.\n\nChannel 1: Let's see. Could the card say 14.5? Be around about 15.5 or a lot.\n\nChannel 0: 15.5 all up. Thank you so much. And the other asset we had was kind of like a coin and number plates collection, and that was sitting\n\nChannel 1: Yes.\n\nChannel 0: about 40,000.\n\nChannel 1: K. That'd be about... Around that $40.45.\n\nChannel 0: 45. And any other loans or assets floating around not included in that list?\n\nChannel 1: How far is that, I\n\nChannel 0: No. A million dollars under the mattress there, man.\n\nChannel 1: wish.\n\nChannel 0: Alrighty. Alright. So that's all the details up to date. Anything else you're focusing on for the next couple of years?\n\nChannel 1: Not at the moment.\n\nChannel 0: Cool.\n\nChannel 1: Just to stay healthy. That's all.\n\nChannel 0: That's all any of us can hope for. Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans. Now when it comes to q super, so we've sent them a request to get an updated rundown that they're gonna email through to you. You were in a aggressive investment, very sort of high risk, high returns. They've actually discontinued that investment, and I'm not sure what they've put you into.\n\nChannel 1: Okay. I'll have\n\nChannel 0: So\n\nChannel 1: to have a look.\n\nChannel 0: I I wanna try and get that statement from you if you... If they've sent it through, and then I wanna do a review of the options because, unfortunately, 95% of the options within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark. Whereas your growth risk profile, you're probably aiming for a nine or 10 or above.\n\nChannel 1: Okay.\n\nChannel 0: There is one or two I found that looked pretty good, so I wanna just review that one as well if you're okay for me to dive into that and\n\nChannel 1: Yes.\n\nChannel 0: send you some comparisons.\n\nChannel 1: Yep.\n\nChannel 0: In terms of the contribution side of things, are you looking to do any salary sacrifice into super or just focus on the mortgage and everything like that?\n\nChannel 1: I just concentrate on the mortgage at the moment.\n\nChannel 0: Perfect. Now when I mentioned your growth risk profile before, we need to try and keep your your growth assets, like shares, property, gold, around the 80% mark. That's kind of your your profile. You're not high risk. You're not a five out of five.\n\nYou're kind of like a four out of five at the moment. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now when it comes to retirement, so 65 is that sort of full condition of release for the super. That's eight years away, And then you've got the age pension at 67. So, normally, you wanna have eight to ten years to be invested in a growth risk profile. But as you get closer, you kind of wanna protect it at some point.\n\nRight? You don't wanna be in growth at the age of 66, lose\n\nChannel 1: Yep.\n\nChannel 0: a third of your super day before you retire. Do you know what I mean?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So we're in that period now where we need to get that last few years of good growth and then slowly start scaling it back. But you're at a balance now, 265,000 in the hub and possibly twenty to forty in the q super. We still need to get a few 100,000 more before we start doing that.\n\nChannel 1: Yep.\n\nChannel 0: K? When it comes to the hub portfolio, so the Iran war kicked off in March, had a bit of a market drop. It went back up again. So I'm just having a look at how the account went. We went from a balance of $2.57 down to $2.43, and then it went back up to $2.73, another $20 up, which is great, and then it's dropped it back to $2.65.\n\nSo it's kind of all over the shop at the moment with what's going\n\nChannel 1: Anything's\n\nChannel 0: on in the\n\nChannel 1: possible\n\nChannel 0: news.\n\nChannel 1: with Trump, the way he's carrying on in that.\n\nChannel 0: It's a bit of a double whammy too. So not just what he's doing, but\n\nChannel 1: Oh, yes. The\n\nChannel 0: when\n\nChannel 1: other\n\nChannel 0: they\n\nChannel 1: countries\n\nChannel 0: made those...\n\nChannel 1: too.\n\nChannel 0: Yep. And even in Australia, when they brought out those changes to capital gains tax and negative gearing for properties, Your property options dropped 12% now as well, whereas your your battery tech and electric vehicles, that's jumped up 20% higher than it was last year, but some have gone down. So I do need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for.\n\nChannel 1: Yep.\n\nChannel 0: Now one question I do have for you. This is purely personal preference. There's no wrong answer here. We have one underperforming option out of the eight, which is Bennelong, And I've got 1,300 options I can switch in in Hub and two main styles to choose from. We can either keep it actively managed where, you know, you pay a bit higher to get a higher return, or we can swing across to something a bit more lower fees that follows the market a bit closer.\n\nWhat would you prefer? Where's your gut line?\n\nChannel 1: Oh, it's hard to say what the market's gonna do, man.\n\nChannel 0: And we don't have to predict the market. I'm just\n\nChannel 1: Yeah.\n\nChannel 0: trying to pick a good style that suits your personality, and then I'll pick the best option I can find. So it's really about, do you want the lowest fees or pay more for higher return? Like, where's your preference\n\nChannel 1: I probably do lower fees at the moment.\n\nChannel 0: line? Yep. So what I'll do is I'll swing in a a nice index fund to get the the fees lower. The only unfortunate thing with old q super is they don't have a growth index fund. They've got a balance index fund.\n\nSo I'll I'll do a few comparisons and make a recommendation there. It may not be lower fees, but the hub one, I can get that down quite a bit, almost in half.\n\nChannel 1: Kidding.\n\nChannel 0: Does that sound alright?\n\nChannel 1: Yep. K.\n\nChannel 0: Cool. So what we basically need to do is update the portfolios for hub and q super. We're not doing any additional\n\nChannel 1: Mhmm.\n\nChannel 0: and we've got to update your beneficiaries. The last\n\nChannel 1: Yep.\n\nChannel 0: thing I wanna do is the income protection that you've got in q super. I'm gonna\n\nChannel 1: Alright.\n\nChannel 0: get the updated figures for it, but I'm having a look here. So if your income's 125,000, your maximum is 7,200 a month worth of cover. You've got 6,800 last time we checked. So I'm just wondering if we update the research and it's still sitting at around about that, is that enough for you to kind of get by with your expenses and everything?\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: It should\n\nChannel 0: we're\n\nChannel 1: be\n\nChannel 0: talking\n\nChannel 1: out\n\nChannel 0: about...\n\nChannel 1: today.\n\nChannel 0: Yes. It'd probably be about 1,400 a week after tax.\n\nChannel 1: Yeah. It should be okay.\n\nChannel 0: Okay. And, unfortunately, I I do see the health history here. I'm assuming we weren't able to get you life insurance and TPD and trauma cover.\n\nChannel 1: No. No. Because I was diagnosed with cancer about two years ago. So\n\nChannel 0: Yeah. That was, what, May\n\nChannel 1: that's\n\nChannel 0: 20 '20\n\nChannel 1: rude.\n\nChannel 0: '4, wasn't it?\n\nChannel 1: Yeah. Well, actually, I didn't find out till August 24.\n\nChannel 0: Alright.\n\nChannel 1: But the health insurance companies where the applications went new before I did.\n\nChannel 0: Jeez. What? They get reports and everything and they found it in there.\n\nChannel 1: Yeah. It must've, because I didn't\n\nChannel 0: Oh,\n\nChannel 1: find\n\nChannel 0: that's\n\nChannel 1: out.\n\nChannel 0: real. K. So there's nothing I can really do there. Hey. I'm not gonna try and get\n\nChannel 1: Yeah.\n\nChannel 0: you some life insurance. Just try and keep that income protection in place.\n\nChannel 1: Yep.\n\nChannel 0: One thing I'll just quickly check. Premiums. So this is really up to you here. Last time we we had research from QSuper, it was getting close to $7,000 a year, and it wouldn't surprise me if the next statement was showing 8 or 9,000 a year worth of premiums.\n\nChannel 1: Mhmm.\n\nChannel 0: So the question is, do we alter that policy at all to get the premiums down? Like, they've got a benefit to the age of 65. Do we try and trim it down to five years? You've got a sixty day waiting period. Do we kick it out to ninety days before you can claim?\n\nOr would you be comfortable maybe chucking $30.40 bucks into the super to to help cover the cost and get a bit of a tax deduction?\n\nChannel 1: I could put a tiny bit more in, I suppose.\n\nChannel 0: I'm thinking with your income level, if you put, say, 50 a week in, it'll probably cost you about $30.32.\n\nChannel 1: Mhmm.\n\nChannel 0: Would that be manageable?\n\nChannel 1: Yes.\n\nChannel 0: K.\n\nChannel 1: Just\n\nChannel 0: What I'll\n\nChannel 1: just\n\nChannel 0: do...\n\nChannel 1: me... Next time I'm at work, I just have to update my contributions. That's all.\n\nChannel 0: Yeah. And we'll send you through some details once the plan's done. I'll model it that way just so you can see the difference that would make. And\n\nChannel 1: Yep.\n\nChannel 0: for now, I'll keep the income protection in place. But in our next chat, I'm gonna put it all into an updated plan so it's in. This is what you should do for the investments in hub and q super. We'll put in the $50 in the super, maintain the income protection, update the old beneficiaries. And from there, if you wanna make any alterations from there, you just let me know.\n\nChannel 1: Okay.\n\nChannel 0: K? How's that sound so far?\n\nChannel 1: Okay. I just have to see or\n\nChannel 0: Cool.\n\nChannel 1: look for any super statements I got from super key super.\n\nChannel 0: Yeah. When we submitted that, I think on the eighteenth or sixteenth, it should have come through now. They're usually pretty quick twenty four hour kind of thing. So if\n\nChannel 1: Alright.\n\nChannel 0: you can send that through to us, I'm assuming you've\n\nChannel 1: Mhmm.\n\nChannel 0: got our email addresses there from previous emails. Or\n\nChannel 1: Can't recall.\n\nChannel 0: do you want me to text\n\nChannel 1: Yeah. It just takes it\n\nChannel 0: it\n\nChannel 1: through.\n\nChannel 0: through to\n\nChannel 1: Probably\n\nChannel 0: you? Easy\n\nChannel 1: on the\n\nChannel 0: done.\n\nChannel 1: safe side.\n\nChannel 0: So I'll go text your email through the q super statement to send it up to the team. And when it comes to the beneficiary nominations, are you okay to, like, if we email them through to print them out, get them signed a witness, or should I kind of just post you out a pack with a return envelope?\n\nChannel 1: Probably better off post it out in the pack\n\nChannel 0: Yep. Easy\n\nChannel 1: because\n\nChannel 0: done.\n\nChannel 1: it's hard to print things out at work at times because printers are not always working.\n\nChannel 0: Awesome. I'll do a postage. And outside of that, when you get the forms, because they are legal documents, if you have any trouble with what to tick, we'll try and prefill what we can. Just give us a buzz. The team can walk you through it\n\nChannel 1: Yep.\n\nChannel 0: in thirty seconds flat. Just try not to... If you make any mistakes, you can't kind of, you know, cross it out or anything like that. That will decline it. But just give\n\nChannel 1: Yep.\n\nChannel 0: us a buzz if you need to.\n\nChannel 1: Okay.\n\nChannel 0: And the last thing was... I do apologize. I'm just having a look through the notes here opting into the QSIP. So your contributions are going there. That's great.\n\nYour Hub twenty four login, we can see that's kind of locked online. Do you want us to reset it?\n\nChannel 1: Oh, yeah. Must... Yeah. It'd be better.\n\nChannel 0: Yep. Easy done. Reset login. Alright. Now I do have one last thing.\n\nThat email pack I sent out to you, we've got the summaries of your super and your insurance as far as we know. Obviously, we're gonna get the updated statement for the QSuper.\n\nChannel 1: Mhmm.\n\nChannel 0: We've also got an updated service guide with Oakview, and we have actually changed our fee structure this year as well. So instead of the usual 1.65%, we've got discounts for people above 200,000, which includes you, where the percentage drops from 1.65 down after 200,000. When you get to 500,000, it drops again. And we basically just put it in there as a flat fee now rather than it floating\n\nChannel 1: Alright.\n\nChannel 0: up with your balance. K? So a bit of a\n\nChannel 1: Mhmm.\n\nChannel 0: discount for you this year.\n\nChannel 1: Alright. That's good.\n\nChannel 0: Cool. The last thing in there is a tax file number opt in form. We do need your consent for holding that number because it is so important. Just make sure\n\nChannel 1: Yep.\n\nChannel 0: you're still comfortable for us to use that for the advice.\n\nChannel 1: Mhmm.\n\nChannel 0: Alrighty.\n\nChannel 1: Yep.\n\nChannel 0: That's pretty much everything from me today. Do you have any questions for me,\n\nChannel 1: Oh,\n\nChannel 0: Steve?\n\nChannel 1: and I.\n\nChannel 0: Perfect.\n\nChannel 1: Not not Christians.\n\nChannel 0: Alrighty. So from here, as soon as we get that q super statement, I'll pass it over to the team to do the comparisons and\n\nChannel 1: Yeah.\n\nChannel 0: research. Once the plan is done, we'll get you booked in, and I'll run you through the updated figures and and see if you're happy with it.\n\nChannel 1: Yep. I'll have a look later today in my emails and that so you can find it.\n\nChannel 0: Perfect. And I'll text you through that email address to send it\n\nChannel 1: Yep.\n\nChannel 0: to.\n\nChannel 1: Okay.\n\nChannel 0: Alrighty, Steven. Thank you so much for your time today. I really\n\nChannel 1: Yep.\n\nChannel 0: appreciate it, and leave the rest to me.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Awesome, mate. Have a great day. Bye.\n\nChannel 1: Yep. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Sorry.","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.02971396967768669}],"sentiment":"neutral","sentiment_score":0.02971396967768669,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Good day, Steven.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.3264426290988922},{"text":"It's Tommy here, senior adviser from OakviewMate.","start":3.52,"end":5.6,"sentiment":"neutral","sentiment_score":0.24883820116519928},{"text":"How are you doing?","start":5.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.23850151151418686}],"sentiment":"neutral","sentiment_score":0.26251438153641565,"channel":0,"num_words":14,"start":2.72,"end":6.42},{"sentences":[{"text":"Good.","start":6.7999997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.5451781153678894}],"sentiment":"positive","sentiment_score":0.5451781153678894,"channel":1,"num_words":1,"start":6.7999997,"end":7.2999997},{"sentences":[{"text":"Good to hear, mate.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.6416015177965164},{"text":"Good to hear.","start":8.8,"end":9.62,"sentiment":"positive","sentiment_score":0.5751235683759054},{"text":"I've got you booked in for that rescheduled annual review.","start":9.76,"end":12.719999,"sentiment":"neutral","sentiment_score":0.3179558992385864},{"text":"Do you","start":12.719999,"end":13.12,"sentiment":"neutral","sentiment_score":0.05963941849768162}],"sentiment":"positive","sentiment_score":0.3995060318786847,"channel":0,"num_words":19,"start":8.08,"end":13.12},{"sentences":[{"text":"Yes.","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":0.07994919270277023}],"sentiment":"neutral","sentiment_score":0.07994919270277023,"channel":1,"num_words":1,"start":13.12,"end":13.62},{"sentences":[{"text":"have a bit of time for me?","start":13.12,"end":14.265,"sentiment":"neutral","sentiment_score":0.08165379028235163},{"text":"Perfect.","start":16.265,"end":16.745,"sentiment":"positive","sentiment_score":0.3674706816673279},{"text":"So,","start":16.745,"end":16.985,"sentiment":"neutral","sentiment_score":0.18023833632469177}],"sentiment":"neutral","sentiment_score":0.124365061107609,"channel":0,"num_words":9,"start":13.12,"end":16.985},{"sentences":[{"text":"Yes.","start":16.955,"end":17.455,"sentiment":"neutral","sentiment_score":0.17326340079307556}],"sentiment":"neutral","sentiment_score":0.17326340079307556,"channel":1,"num_words":1,"start":16.955,"end":17.455},{"sentences":[{"text":"mate, before I begin, I've got a bit of a pack to send out to you, and I'm just gonna run through a quick security check.","start":16.985,"end":23.165,"sentiment":"neutral","sentiment_score":0.09664901618201},{"text":"I don't have a password on file.","start":24.105,"end":26.365,"sentiment":"neutral","sentiment_score":-0.023356101741748198},{"text":"Could I please get your date of birth and address, please?","start":26.585,"end":29.55,"sentiment":"neutral","sentiment_score":0.022240354425527832}],"sentiment":"neutral","sentiment_score":0.058955127436837014,"channel":0,"num_words":44,"start":16.985,"end":29.55},{"sentences":[{"text":"03/06/1969.","start":30.09,"end":31.869999,"sentiment":"neutral","sentiment_score":0.0058051287196576595},{"text":"135 Sundance Road, Gymboree Heights,","start":32.489998,"end":34.91,"sentiment":"neutral","sentiment_score":0.024342704191803934}],"sentiment":"neutral","sentiment_score":0.021253108279779553,"channel":1,"num_words":6,"start":30.09,"end":34.91},{"sentences":[{"text":"Perfect.","start":35.629997,"end":36.129997,"sentiment":"neutral","sentiment_score":0.07629796862602234}],"sentiment":"neutral","sentiment_score":0.07629796862602234,"channel":0,"num_words":1,"start":35.629997,"end":36.129997},{"sentences":[{"text":"Queensland.","start":35.69,"end":36.19,"sentiment":"neutral","sentiment_score":0.03778328001499176}],"sentiment":"neutral","sentiment_score":0.03778328001499176,"channel":1,"num_words":1,"start":35.69,"end":36.19},{"sentences":[{"text":"Sensational.","start":36.989998,"end":37.489998,"sentiment":"neutral","sentiment_score":0.03440771996974945},{"text":"And I'm registered with ASIC as adviser 1273105.","start":37.71,"end":41.309998,"sentiment":"neutral","sentiment_score":0.02569699357263744},{"text":"Are you okay for the call to be recorded?","start":41.309998,"end":43.09,"sentiment":"neutral","sentiment_score":0.025589219604929287}],"sentiment":"neutral","sentiment_score":0.026127035833067365,"channel":0,"num_words":18,"start":36.989998,"end":43.09},{"sentences":[{"text":"Yes.","start":43.765,"end":44.265,"sentiment":"neutral","sentiment_score":0.10768021643161774}],"sentiment":"neutral","sentiment_score":0.10768021643161774,"channel":1,"num_words":1,"start":43.765,"end":44.265},{"sentences":[{"text":"Perfect.","start":44.829998,"end":45.329998,"sentiment":"neutral","sentiment_score":0.3139154613018036},{"text":"Now I've got this pack ready to send out to your Gmail account.","start":45.605003,"end":49.205,"sentiment":"neutral","sentiment_score":0.23357524894751036},{"text":"Will you better look onto it with me, or should I just kinda give you a bit of a walk through?","start":49.205,"end":52.665,"sentiment":"neutral","sentiment_score":0.08541896655446007}],"sentiment":"neutral","sentiment_score":0.14697691415037428,"channel":0,"num_words":35,"start":44.829998,"end":52.665},{"sentences":[{"text":"Probably give me a walk through at the moment.","start":53.390003,"end":55.81,"sentiment":"neutral","sentiment_score":0.017395797082119517}],"sentiment":"neutral","sentiment_score":0.017395797082119517,"channel":1,"num_words":9,"start":53.390003,"end":55.81},{"sentences":[{"text":"No worries.","start":56.485,"end":57.045002,"sentiment":"neutral","sentiment_score":0.10568028688430786},{"text":"I'll send it out just so you've got it there.","start":57.045002,"end":58.89,"sentiment":"neutral","sentiment_score":0.16479971930384635}],"sentiment":"neutral","sentiment_score":0.1549464805672566,"channel":0,"num_words":12,"start":56.485,"end":58.89},{"sentences":[{"text":"Yeah.","start":59.07,"end":59.57,"sentiment":"neutral","sentiment_score":0.0322466604411602}],"sentiment":"neutral","sentiment_score":0.0322466604411602,"channel":1,"num_words":1,"start":59.07,"end":59.57},{"sentences":[{"text":"Should go through your main box.","start":59.45,"end":60.57,"sentiment":"neutral","sentiment_score":0.004775151299933593},{"text":"If you haven't used our new system before, it may go to your spam folder for 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my intentions today is...","start":66.65,"end":69.53,"sentiment":"neutral","sentiment_score":0.17138677835464478},{"text":"I'm really glad I've caught you.","start":69.53,"end":70.89,"sentiment":"positive","sentiment_score":0.5392868022123972},{"text":"Wanted to update a few details on file just to see what may have changed.","start":70.89,"end":74.35,"sentiment":"neutral","sentiment_score":0.17424203554789225},{"text":"And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the 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sitting","start":315.8,"end":320.975,"sentiment":"neutral","sentiment_score":0.05979105057194829}],"sentiment":"neutral","sentiment_score":0.14519851730653532,"channel":0,"num_words":27,"start":313.08002,"end":320.975},{"sentences":[{"text":"Yes.","start":320.745,"end":321.245,"sentiment":"neutral","sentiment_score":0.02802412584424019}],"sentiment":"neutral","sentiment_score":0.02802412584424019,"channel":1,"num_words":1,"start":320.745,"end":321.245},{"sentences":[{"text":"about 40,000.","start":320.975,"end":322.115,"sentiment":"neutral","sentiment_score":0.013416917063295841}],"sentiment":"neutral","sentiment_score":0.013416917063295841,"channel":0,"num_words":2,"start":320.975,"end":322.115},{"sentences":[{"text":"K.","start":322.585,"end":323.085,"sentiment":"neutral","sentiment_score":0.004418822471052408},{"text":"That'd be about...","start":323.145,"end":324.025,"sentiment":"neutral","sentiment_score":0.0019233614827195804},{"text":"Around that $40.45.","start":324.025,"end":325.805,"sentiment":"neutral","sentiment_score":-0.0050406598796447115}],"sentiment":"neutral","sentiment_score":-0.0007047246742461409,"channel":1,"num_words":7,"start":322.585,"end":325.805},{"sentences":[{"text":"45.","start":326.415,"end":327.315,"sentiment":"neutral","sentiment_score":0.004099363461136818},{"text":"And any other loans or assets floating around not included in that list?","start":327.695,"end":332.16,"sentiment":"neutral","sentiment_score":-0.018198846624447748}],"sentiment":"neutral","sentiment_score":-0.01660611733262028,"channel":0,"num_words":14,"start":326.415,"end":332.16},{"sentences":[{"text":"How far is that, I","start":332.94,"end":334.16,"sentiment":"neutral","sentiment_score":-0.07341923266649246}],"sentiment":"neutral","sentiment_score":-0.07341923266649246,"channel":1,"num_words":5,"start":332.94,"end":334.16},{"sentences":[{"text":"No.","start":334.88,"end":335.12,"sentiment":"neutral","sentiment_score":-0.2510799765586853},{"text":"A million dollars under the mattress there, man.","start":335.12,"end":337.14,"sentiment":"neutral","sentiment_score":-0.3009635154157877}],"sentiment":"neutral","sentiment_score":-0.29542089998722076,"channel":0,"num_words":9,"start":334.88,"end":337.14},{"sentences":[{"text":"wish.","start":337.58,"end":338.08,"sentiment":"neutral","sentiment_score":-0.0790005549788475}],"sentiment":"neutral","sentiment_score":-0.0790005549788475,"channel":1,"num_words":1,"start":337.58,"end":338.08},{"sentences":[{"text":"Alrighty.","start":339.6,"end":340.1,"sentiment":"neutral","sentiment_score":0.14313951134681702},{"text":"Alright.","start":340.16,"end":340.4,"sentiment":"neutral","sentiment_score":0.16126447916030884},{"text":"So that's all the details up to date.","start":340.4,"end":342.08002,"sentiment":"neutral","sentiment_score":0.188781950622797},{"text":"Anything else you're focusing on for the next couple of years?","start":342.08002,"end":344.595,"sentiment":"neutral","sentiment_score":0.09701185673475266}],"sentiment":"neutral","sentiment_score":0.13722809617008483,"channel":0,"num_words":21,"start":339.6,"end":344.595},{"sentences":[{"text":"Not at the moment.","start":346.77502,"end":347.755,"sentiment":"negative","sentiment_score":-0.33972660452127457}],"sentiment":"negative","sentiment_score":-0.33972660452127457,"channel":1,"num_words":4,"start":346.77502,"end":347.755},{"sentences":[{"text":"Cool.","start":349.155,"end":349.655,"sentiment":"neutral","sentiment_score":0.1278303563594818}],"sentiment":"neutral","sentiment_score":0.1278303563594818,"channel":0,"num_words":1,"start":349.155,"end":349.655},{"sentences":[{"text":"Just to stay healthy.","start":349.255,"end":350.295,"sentiment":"neutral","sentiment_score":0.32690030708909035},{"text":"That's all.","start":350.295,"end":351.035,"sentiment":"positive","sentiment_score":0.3827781081199646}],"sentiment":"positive","sentiment_score":0.34552624076604843,"channel":1,"num_words":6,"start":349.255,"end":351.035},{"sentences":[{"text":"That's all any of us can hope for.","start":351.635,"end":353.655,"sentiment":"neutral","sentiment_score":0.3141095470637083},{"text":"Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans.","start":354.515,"end":366.61,"sentiment":"neutral","sentiment_score":0.11537121431055394},{"text":"Now when it comes to q super, so we've sent them a request to get an updated rundown that they're gonna email through to you.","start":367.15,"end":376.26498,"sentiment":"neutral","sentiment_score":0.024119015783071518},{"text":"You were in a aggressive investment, very sort of high risk, high 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within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark.","start":393.23,"end":406.905,"sentiment":"neutral","sentiment_score":-0.19752915979673466},{"text":"Whereas your growth risk profile, you're probably aiming for a nine or 10 or above.","start":407.04498,"end":412.35,"sentiment":"neutral","sentiment_score":-0.12864450961351395}],"sentiment":"neutral","sentiment_score":-0.1444720414912571,"channel":0,"num_words":69,"start":389.63,"end":412.35},{"sentences":[{"text":"Okay.","start":412.89,"end":413.39,"sentiment":"neutral","sentiment_score":0.11878576874732973}],"sentiment":"neutral","sentiment_score":0.11878576874732973,"channel":1,"num_words":1,"start":412.89,"end":413.39},{"sentences":[{"text":"There is one or two I found that looked pretty good, so I wanna just review that one as well if you're okay for me to dive into that and","start":414.99002,"end":422.21,"sentiment":"neutral","sentiment_score":0.3167086631059647}],"sentiment":"neutral","sentiment_score":0.3167086631059647,"channel":0,"num_words":30,"start":414.99002,"end":422.21},{"sentences":[{"text":"Yes.","start":422.33002,"end":422.83002,"sentiment":"neutral","sentiment_score":0.24041448533535004}],"sentiment":"neutral","sentiment_score":0.24041448533535004,"channel":1,"num_words":1,"start":422.33002,"end":422.83002},{"sentences":[{"text":"send you some comparisons.","start":422.43,"end":423.89,"sentiment":"neutral","sentiment_score":0.21519246324896812}],"sentiment":"neutral","sentiment_score":0.21519246324896812,"channel":0,"num_words":4,"start":422.43,"end":423.89},{"sentences":[{"text":"Yep.","start":425.21002,"end":425.71002,"sentiment":"neutral","sentiment_score":0.1190926358103752}],"sentiment":"neutral","sentiment_score":0.1190926358103752,"channel":1,"num_words":1,"start":425.21002,"end":425.71002},{"sentences":[{"text":"In terms of the 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mark.","start":439.28998,"end":449.06998,"sentiment":"neutral","sentiment_score":0.024694283665330323},{"text":"That's kind of your your profile.","start":449.28998,"end":451.05,"sentiment":"neutral","sentiment_score":-0.02459653839468956},{"text":"You're not high risk.","start":451.05,"end":451.84998,"sentiment":"neutral","sentiment_score":-0.2374185100197792},{"text":"You're not a five out of five.","start":451.84998,"end":453.285,"sentiment":"neutral","sentiment_score":-0.2050263966832842}],"sentiment":"neutral","sentiment_score":-0.03320779891477691,"channel":0,"num_words":45,"start":438.435,"end":453.285},{"sentences":[{"text":"You're kind of like a four out of five at the moment.","start":453.285,"end":455.365,"sentiment":"neutral","sentiment_score":-0.1568941337366899},{"text":"Does that make 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ten years to be invested in a growth risk profile.","start":468.8,"end":474.5,"sentiment":"neutral","sentiment_score":-0.029206668410231087},{"text":"But as you get closer, you kind of wanna protect it at some point.","start":474.71997,"end":478.47998,"sentiment":"neutral","sentiment_score":-0.011458358328257288}],"sentiment":"neutral","sentiment_score":-0.044922226981725544,"channel":0,"num_words":64,"start":458.005,"end":478.47998},{"sentences":[{"text":"Right?","start":478.47998,"end":478.71997,"sentiment":"neutral","sentiment_score":0.010898087173700333},{"text":"You don't wanna be in growth at the age of 66, 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mean?","start":484.695,"end":485.755,"sentiment":"neutral","sentiment_score":0.02654644971092542}],"sentiment":"neutral","sentiment_score":0.07700511341293653,"channel":0,"num_words":15,"start":482.695,"end":485.755},{"sentences":[{"text":"Mhmm.","start":485.355,"end":485.855,"sentiment":"neutral","sentiment_score":0.02333303540945053},{"text":"Yep.","start":485.99503,"end":486.49503,"sentiment":"neutral","sentiment_score":0.07191739231348038}],"sentiment":"neutral","sentiment_score":0.047625213861465454,"channel":1,"num_words":2,"start":485.355,"end":486.49503},{"sentences":[{"text":"So we're in that period now where we need to get that last few years of good growth and then slowly start scaling it back.","start":487.255,"end":494.155,"sentiment":"neutral","sentiment_score":0.09364453434944153},{"text":"But you're at a balance now, 265,000 in the hub and possibly twenty to forty in the q 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need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for.","start":564.02997,"end":571.385,"sentiment":"neutral","sentiment_score":-0.16043912260620682}],"sentiment":"neutral","sentiment_score":-0.20407760119399962,"channel":0,"num_words":78,"start":547.55505,"end":571.385},{"sentences":[{"text":"Yep.","start":571.245,"end":571.745,"sentiment":"neutral","sentiment_score":0.06773124635219574}],"sentiment":"neutral","sentiment_score":0.06773124635219574,"channel":1,"num_words":1,"start":571.245,"end":571.745},{"sentences":[{"text":"Now one question I do have for you.","start":573.125,"end":574.805,"sentiment":"neutral","sentiment_score":0.04776305519044399},{"text":"This is purely personal preference.","start":574.805,"end":576.645,"sentiment":"neutral","sentiment_score":0.04276746660470963},{"text":"There's no wrong answer here.","start":576.645,"end":578.185,"sentiment":"neutral","sentiment_score":-0.017737944424152375},{"text":"We 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just","start":610.68,"end":611.16,"sentiment":"neutral","sentiment_score":-0.0017649135552346704}],"sentiment":"neutral","sentiment_score":-0.09656237540766596,"channel":0,"num_words":10,"start":608.905,"end":611.16},{"sentences":[{"text":"Yeah.","start":611.1,"end":611.6,"sentiment":"neutral","sentiment_score":0.08112992346286774}],"sentiment":"neutral","sentiment_score":0.08112992346286774,"channel":1,"num_words":1,"start":611.1,"end":611.6},{"sentences":[{"text":"trying to pick a good style that suits your personality, and then I'll pick the best option I can find.","start":611.16,"end":616.38,"sentiment":"positive","sentiment_score":0.3566340826451778},{"text":"So it's really about, do you want the lowest fees or pay more for higher return?","start":616.44,"end":620.52,"sentiment":"neutral","sentiment_score":0.1559338211081922},{"text":"Like, where's your preference","start":620.52,"end":621.975,"sentiment":"neutral","sentiment_score":0.10280479490756989}],"sentiment":"neutral","sentiment_score":0.2509710492566228,"channel":0,"num_words":40,"start":611.16,"end":621.975},{"sentences":[{"text":"I probably do lower fees at the moment.","start":623.385,"end":625.725,"sentiment":"neutral","sentiment_score":0.11978136375546455}],"sentiment":"neutral","sentiment_score":0.11978136375546455,"channel":1,"num_words":8,"start":623.385,"end":625.725},{"sentences":[{"text":"line?","start":625.815,"end":626.315,"sentiment":"neutral","sentiment_score":0.09058187901973724},{"text":"Yep.","start":626.375,"end":626.875,"sentiment":"neutral","sentiment_score":0.21062783896923065},{"text":"So what I'll do is I'll swing in a a nice index fund to get the the fees lower.","start":626.935,"end":632.315,"sentiment":"positive","sentiment_score":0.4328120923356006},{"text":"The only unfortunate thing with old q super is they don't have a growth index fund.","start":632.855,"end":637.755,"sentiment":"negative","sentiment_score":-0.5110934320837259},{"text":"They've got a balance index fund.","start":638.93,"end":640.37,"sentiment":"negative","sentiment_score":-0.3838352710008621}],"sentiment":"neutral","sentiment_score":-0.0454852806274281,"channel":0,"num_words":43,"start":625.815,"end":640.37},{"sentences":[{"text":"So I'll I'll do a few comparisons and make a recommendation there.","start":640.37,"end":643.51,"sentiment":"neutral","sentiment_score":-0.15172405416766802},{"text":"It may not be lower fees, but the hub one, I can get that down quite a bit, almost in 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additional","start":657.805,"end":658.925,"sentiment":"neutral","sentiment_score":-0.03310474660247564}],"sentiment":"neutral","sentiment_score":0.09608798935501413,"channel":0,"num_words":22,"start":653.17004,"end":658.925},{"sentences":[{"text":"Mhmm.","start":659.04,"end":659.54,"sentiment":"neutral","sentiment_score":-0.025317464023828503}],"sentiment":"neutral","sentiment_score":-0.025317464023828503,"channel":1,"num_words":1,"start":659.04,"end":659.54},{"sentences":[{"text":"and we've got to update your beneficiaries.","start":659.245,"end":661.745,"sentiment":"neutral","sentiment_score":0.029616096190043857},{"text":"The 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gonna","start":671.07,"end":671.63,"sentiment":"neutral","sentiment_score":0.06152615696191788}],"sentiment":"neutral","sentiment_score":0.07835596683435142,"channel":0,"num_words":16,"start":664.765,"end":671.63},{"sentences":[{"text":"Alright.","start":671.44,"end":671.94,"sentiment":"neutral","sentiment_score":0.09109534323215485}],"sentiment":"neutral","sentiment_score":0.09109534323215485,"channel":1,"num_words":1,"start":671.44,"end":671.94},{"sentences":[{"text":"get the updated figures for it, but I'm having a look here.","start":671.63,"end":676.43005,"sentiment":"neutral","sentiment_score":0.08783548263212045},{"text":"So if your income's 125,000, your maximum is 7,200 a month worth of cover.","start":676.43005,"end":684.745,"sentiment":"neutral","sentiment_score":0.016030061590884413},{"text":"You've got 6,800 last time we checked.","start":684.965,"end":688.185,"sentiment":"neutral","sentiment_score":0.014483996001737458},{"text":"So I'm just wondering if we update the 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did.","start":735.115,"end":739.615,"sentiment":"neutral","sentiment_score":-0.10122369057857074}],"sentiment":"neutral","sentiment_score":-0.10122369057857074,"channel":1,"num_words":13,"start":735.115,"end":739.615},{"sentences":[{"text":"Jeez.","start":741.11505,"end":741.61505,"sentiment":"neutral","sentiment_score":-0.1069759950041771},{"text":"What?","start":741.835,"end":742.155,"sentiment":"neutral","sentiment_score":-0.11130289733409882},{"text":"They get reports and everything and they found it in there.","start":742.155,"end":744.97504,"sentiment":"neutral","sentiment_score":-0.17088124291463333}],"sentiment":"neutral","sentiment_score":-0.16138250495378786,"channel":0,"num_words":13,"start":741.11505,"end":744.97504},{"sentences":[{"text":"Yeah.","start":745.39,"end":745.47,"sentiment":"neutral","sentiment_score":-0.14832618832588196},{"text":"It must've, because I 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there's nothing I can really do there.","start":750.05,"end":751.97003,"sentiment":"negative","sentiment_score":-0.3893103878945112},{"text":"Hey.","start":751.97003,"end":752.21,"sentiment":"neutral","sentiment_score":-0.1831502914428711},{"text":"I'm not gonna try and get","start":752.21,"end":753.09,"sentiment":"neutral","sentiment_score":-0.24015825738509497}],"sentiment":"neutral","sentiment_score":-0.29858065089758706,"channel":0,"num_words":17,"start":747.49,"end":753.09},{"sentences":[{"text":"Yeah.","start":753.07,"end":753.57,"sentiment":"neutral","sentiment_score":-0.15094181895256042}],"sentiment":"neutral","sentiment_score":-0.15094181895256042,"channel":1,"num_words":1,"start":753.07,"end":753.57},{"sentences":[{"text":"you some life insurance.","start":753.09,"end":754.69,"sentiment":"neutral","sentiment_score":-0.13242033496499062},{"text":"Just try and keep that income protection in 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sixty day waiting period.","start":796.355,"end":798.115,"sentiment":"neutral","sentiment_score":-0.056852794119289944},{"text":"Do we kick it out to ninety days before you can claim?","start":798.115,"end":800.935,"sentiment":"neutral","sentiment_score":-0.07055855728685856}],"sentiment":"neutral","sentiment_score":-0.05407609374008395,"channel":0,"num_words":55,"start":784.01996,"end":800.935},{"sentences":[{"text":"Or would you be comfortable maybe chucking $30.40 bucks into the super to to help cover the cost and get a bit of a tax deduction?","start":802.515,"end":809.94,"sentiment":"neutral","sentiment_score":-0.049554039079409376}],"sentiment":"neutral","sentiment_score":-0.049554039079409376,"channel":0,"num_words":26,"start":802.515,"end":809.94},{"sentences":[{"text":"I could put a tiny bit more in, I 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everything from me today.","start":1036.74,"end":1038.9,"sentiment":"positive","sentiment_score":0.368782320192882},{"text":"Do you have any questions for me,","start":1038.9,"end":1040.44,"sentiment":"neutral","sentiment_score":0.1457605223570551}],"sentiment":"neutral","sentiment_score":0.25727142127496855,"channel":0,"num_words":14,"start":1036.74,"end":1040.44},{"sentences":[{"text":"Oh,","start":1040.645,"end":1040.885,"sentiment":"neutral","sentiment_score":0.14576101303100586}],"sentiment":"neutral","sentiment_score":0.14576101303100586,"channel":1,"num_words":1,"start":1040.645,"end":1040.885},{"sentences":[{"text":"Steve?","start":1040.74,"end":1041.24,"sentiment":"neutral","sentiment_score":0.12343571335077286}],"sentiment":"neutral","sentiment_score":0.12343571335077286,"channel":0,"num_words":1,"start":1040.74,"end":1041.24},{"sentences":[{"text":"and I.","start":1040.885,"end":1041.625,"sentiment":"neutral","sentiment_score":0.11464044079184532}],"sentiment":"neutral","sentiment_score":0.11464044079184532,"channel":1,"num_words":2,"start":1040.885,"end":1041.625},{"sentences":[{"text":"Perfect.","start":1045.22,"end":1045.72,"sentiment":"neutral","sentiment_score":0.323686808347702}],"sentiment":"neutral","sentiment_score":0.323686808347702,"channel":0,"num_words":1,"start":1045.22,"end":1045.72},{"sentences":[{"text":"Not not Christians.","start":1045.605,"end":1046.505,"sentiment":"neutral","sentiment_score":-0.05968679115176201}],"sentiment":"neutral","sentiment_score":-0.05968679115176201,"channel":1,"num_words":3,"start":1045.605,"end":1046.505},{"sentences":[{"text":"Alrighty.","start":1047.3,"end":1047.8,"sentiment":"neutral","sentiment_score":0.10769473016262054},{"text":"So from here, as soon as we get that q super statement, I'll pass it over to the team to do the comparisons and","start":1047.86,"end":1053.2949,"sentiment":"neutral","sentiment_score":0.14935628914584717}],"sentiment":"neutral","sentiment_score":0.1476898267865181,"channel":0,"num_words":25,"start":1047.3,"end":1053.2949},{"sentences":[{"text":"Yeah.","start":1053.285,"end":1053.785,"sentiment":"neutral","sentiment_score":0.09959066659212112}],"sentiment":"neutral","sentiment_score":0.09959066659212112,"channel":1,"num_words":1,"start":1053.285,"end":1053.785},{"sentences":[{"text":"research.","start":1053.2949,"end":1053.7949,"sentiment":"neutral","sentiment_score":0.12173351645469666},{"text":"Once the plan is done, we'll get you booked in, and I'll run you through the updated figures and and see if you're happy with it.","start":1054.2549,"end":1060.2749,"sentiment":"neutral","sentiment_score":0.21974597298181975}],"sentiment":"neutral","sentiment_score":0.2161158819993337,"channel":0,"num_words":27,"start":1053.2949,"end":1060.2749},{"sentences":[{"text":"Yep.","start":1060.41,"end":1060.7301,"sentiment":"neutral","sentiment_score":0.02740340307354927},{"text":"I'll have a look later today in my emails and that so you can find it.","start":1060.7301,"end":1065.79,"sentiment":"neutral","sentiment_score":0.22033353708684444}],"sentiment":"neutral","sentiment_score":0.20898470567429767,"channel":1,"num_words":17,"start":1060.41,"end":1065.79},{"sentences":[{"text":"Perfect.","start":1066.6699,"end":1066.99,"sentiment":"positive","sentiment_score":0.7422798871994019},{"text":"And I'll text you through that email address to send it","start":1066.99,"end":1069.3099,"sentiment":"neutral","sentiment_score":0.30981711095029657}],"sentiment":"positive","sentiment_score":0.345855675637722,"channel":0,"num_words":12,"start":1066.6699,"end":1069.3099},{"sentences":[{"text":"Yep.","start":1069.2101,"end":1069.7101,"sentiment":"neutral","sentiment_score":0.1460913121700287}],"sentiment":"neutral","sentiment_score":0.1460913121700287,"channel":1,"num_words":1,"start":1069.2101,"end":1069.7101},{"sentences":[{"text":"to.","start":1069.3099,"end":1069.8099,"sentiment":"neutral","sentiment_score":0.11150616407394408}],"sentiment":"neutral","sentiment_score":0.11150616407394408,"channel":0,"num_words":1,"start":1069.3099,"end":1069.8099},{"sentences":[{"text":"Okay.","start":1071.785,"end":1072.285,"sentiment":"neutral","sentiment_score":0.1579975783824921}],"sentiment":"neutral","sentiment_score":0.1579975783824921,"channel":1,"num_words":1,"start":1071.785,"end":1072.285},{"sentences":[{"text":"Alrighty, Steven.","start":1073.0449,"end":1073.605,"sentiment":"positive","sentiment_score":0.3897920846939087},{"text":"Thank you so much for your time today.","start":1073.605,"end":1074.885,"sentiment":"positive","sentiment_score":0.8103981465101242},{"text":"I really","start":1074.885,"end":1075.2849,"sentiment":"positive","sentiment_score":0.6505345404148102}],"sentiment":"positive","sentiment_score":0.7136532018582026,"channel":0,"num_words":12,"start":1073.0449,"end":1075.2849},{"sentences":[{"text":"Yep.","start":1075.145,"end":1075.645,"sentiment":"positive","sentiment_score":0.44457265734672546}],"sentiment":"positive","sentiment_score":0.44457265734672546,"channel":1,"num_words":1,"start":1075.145,"end":1075.645},{"sentences":[{"text":"appreciate it, and leave the rest to me.","start":1075.2849,"end":1078.1849,"sentiment":"positive","sentiment_score":0.5545046031475067}],"sentiment":"positive","sentiment_score":0.5545046031475067,"channel":0,"num_words":8,"start":1075.2849,"end":1078.1849},{"sentences":[{"text":"Okay.","start":1078.505,"end":1079.005,"sentiment":"positive","sentiment_score":0.4141069650650024},{"text":"Thank you.","start":1079.145,"end":1079.885,"sentiment":"positive","sentiment_score":0.7282077968120575}],"sentiment":"positive","sentiment_score":0.6235075195630392,"channel":1,"num_words":3,"start":1078.505,"end":1079.885},{"sentences":[{"text":"Awesome, mate.","start":1080.325,"end":1080.8049,"sentiment":"positive","sentiment_score":0.8388889133930206},{"text":"Have a great day.","start":1080.8049,"end":1081.605,"sentiment":"positive","sentiment_score":0.7707209438085556},{"text":"Bye.","start":1081.605,"end":1082.105,"sentiment":"positive","sentiment_score":0.4222264289855957}],"sentiment":"positive","sentiment_score":0.7404125758579799,"channel":0,"num_words":7,"start":1080.325,"end":1082.105},{"sentences":[{"text":"Yep.","start":1081.9329,"end":1082.1729,"sentiment":"neutral","sentiment_score":0.24873444437980652},{"text":"Thank you.","start":1082.1729,"end":1082.8928,"sentiment":"positive","sentiment_score":0.5719790160655975},{"text":"Bye.","start":1082.8928,"end":1083.3928,"sentiment":"neutral","sentiment_score":-0.12241929024457932}],"sentiment":"neutral","sentiment_score":0.31756829656660557,"channel":1,"num_words":4,"start":1081.9329,"end":1083.3928}]},"summary":{"result":"success","short":"The senior adviser from OakviewMate called Steven to confirm his appointment for a rescheduled annual review and to update his beneficiaries' ID and address. They discussed potential changes to his retirement plans, estate planning, and other financial details. The adviser also addressed the possibility of updating his beneficiaries' ID and clarified the amount owed on his mortgage. They reviewed investment plans, retirement savings, and growth risk profiles for the customer's portfolio. The speaker discussed updating the policy, beneficiaries, and income protection policies, as well as updating beneficiaries and sending a new policy to the speaker. They also discussed the customer's health insurance policy and premiums, as well as updating beneficiaries and sending a policy document."},"intents":{"segments":[{"text":"I don't have a password on file. Could I please get your date of birth and address, please?","start_word":72,"end_word":89,"intents":[{"intent":"Provide password","confidence_score":0.011325587}]},{"text":"Could I please get your date of birth and address, please?","start_word":79,"end_word":89,"intents":[{"intent":"Confirm identity","confidence_score":0.038730796}]},{"text":"Now my intentions today is... I'm really glad I've caught you. Wanted to update a few details on file just to see what may have changed. And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the moment.","start_word":203,"end_word":255,"intents":[{"intent":"Update file information","confidence_score":0.0028734582}]},{"text":"I want to change my beneficiaries' super ID. If Yep.","start_word":270,"end_word":279,"intents":[{"intent":"Change beneficiary super id","confidence_score":0.006120461}]},{"text":"weightings a little bit. And that's for both the the q super and the hub? Yeah.","start_word":397,"end_word":412,"intents":[{"intent":"Discuss weightings","confidence_score":0.106455356}]},{"text":"Do you have a set savings amount that you're still able to put away?","start_word":454,"end_word":467,"intents":[{"intent":"Discuss savings amount","confidence_score":0.602841}]},{"text":"Outside of that, we've got retirement towards age sort of 65, 67 on about 2,000 a week would be ideal. Perfect.","start_word":569,"end_word":589,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.7328813}]},{"text":"Last couple of things, in terms of the estate planning. So if we're updating the beneficiaries, did you put in place, like, a will or a power of attorney yet? Mhmm.","start_word":590,"end_word":620,"intents":[{"intent":"Discuss estate planning and will","confidence_score":0.0023395985},{"intent":"Clarify beneficiaries","confidence_score":0.0007757066}]},{"text":"I'll put in a bit of a reminder for those. If Yes.","start_word":625,"end_word":636,"intents":[{"intent":"Remind about nomination","confidence_score":0.0069279913}]},{"text":"it does help, you can get government approved kits from the post office for about $25 a pop, but they're very, very basic. Mhmm. Yep.","start_word":637,"end_word":661,"intents":[{"intent":"Discuss government approved kits","confidence_score":0.03644299}]},{"text":"The amount owing on the mortgage at the moment, is it still around $2.40, or have you knocked a chunk off of that?","start_word":683,"end_word":705,"intents":[{"intent":"Check debt amount","confidence_score":0.0072068344}]},{"text":"And the market's saying online that your property is probably valued closer to $938,000 instead of $8.50. Does that sound about right? Yeah.","start_word":794,"end_word":816,"intents":[{"intent":"Check market value","confidence_score":0.0017104186}]},{"text":"So that's all the details up to date. Anything else you're focusing on for the next couple of years? Not at the moment.","start_word":927,"end_word":949,"intents":[{"intent":"Evaluate and plan on future purchases","confidence_score":5.5215867e-8}]},{"text":"Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans.","start_word":966,"end_word":1009,"intents":[{"intent":"Update plans","confidence_score":0.18873064}]},{"text":"I'll have So to have a look. I I wanna try and get that statement from you if you... If they've sent it through, and then I wanna do a review of the options because, unfortunately, 95% of the options within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark.","start_word":1062,"end_word":1122,"intents":[{"intent":"Review options","confidence_score":0.8171102}]},{"text":"In terms of the contribution side of things, are you looking to do any salary sacrifice into super or just focus on the mortgage and everything like that?","start_word":1175,"end_word":1202,"intents":[{"intent":"Discuss contribution","confidence_score":0.071369015}]},{"text":"Now when it comes to retirement, so 65 is that sort of full condition of release for the super. That's eight years away, And then you've got the age pension at 67. So, normally, you wanna have eight to ten years to be invested in a growth risk profile.","start_word":1275,"end_word":1323,"intents":[{"intent":"Discuss retirement","confidence_score":0.08867567}]},{"text":"And even in Australia, when they brought out those changes to capital gains tax and negative gearing for properties, Your property options dropped 12% now as well, whereas your your battery tech and electric vehicles, that's jumped up 20% higher than it was last year, but some have gone down. So I do need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for. Yep.","start_word":1554,"end_word":1631,"intents":[{"intent":"Resolve portfolio issues","confidence_score":0.010690497}]},{"text":"We can either keep it actively managed where, you know, you pay a bit higher to get a higher return, or we can swing across to something a bit more lower fees that follows the market a bit closer. What would you prefer?","start_word":1681,"end_word":1723,"intents":[{"intent":"Manage portfolios and determine preferred style","confidence_score":0.0030588869}]},{"text":"So it's really about, do you want the lowest fees or pay more for higher return? Like, where's your preference I probably do lower fees at the moment. line?","start_word":1769,"end_word":1797,"intents":[{"intent":"Determine the best balance between fees and fees","confidence_score":0.000026349959}]},{"text":"So what we basically need to do is update the portfolios for hub and q super. We're not doing any additional Mhmm. and we've got to update your beneficiaries. The last Yep.","start_word":1881,"end_word":1912,"intents":[{"intent":"Update portfolios and determine optimal investments","confidence_score":0.0000060553252}]},{"text":"I'm assuming we weren't able to get you life insurance and TPD and trauma cover. No. No.","start_word":2031,"end_word":2047,"intents":[{"intent":"Request insurance coverage","confidence_score":0.0005499489}]},{"text":"for now, I'll keep the income protection in place. But in our next chat, I'm gonna put it all into an updated plan so it's in. This is what you should do for the investments in hub and q super. We'll put in the $50 in the super, maintain the income protection, update the old beneficiaries. And from there, if you wanna make any alterations from there, you just let me know. Okay.","start_word":2368,"end_word":2440,"intents":[{"intent":"Ensure q super is updated","confidence_score":0.00023792863}]},{"text":"you can send that through to us, I'm assuming you've Mhmm. got our email addresses there from previous emails. Or Can't recall. do you want me to text Yeah. It just takes it it through. through to Probably you? Easy on the done. safe side. So I'll go text your email through the q super statement to send it up to the team.","start_word":2497,"end_word":2559,"intents":[{"intent":"Send super statement to team","confidence_score":0.012572646}]},{"text":"it's hard to print things out at work at times because printers are not always working. Awesome.","start_word":2615,"end_word":2631,"intents":[{"intent":"Print and email super statements","confidence_score":0.0043122144}]},{"text":"I'll do a postage. And outside of that, when you get the forms, because they are legal documents, if you have any trouble with what to tick, we'll try and prefill what we can. Just give us a buzz.","start_word":2632,"end_word":2670,"intents":[{"intent":"Prefill forms","confidence_score":0.10482604}]},{"text":"Your Hub twenty four login, we can see that's kind of locked online. Do you want us to reset it?","start_word":2750,"end_word":2769,"intents":[{"intent":"Login","confidence_score":0.00062709046}]},{"text":"We've also got an updated service guide with Oakview, and we have actually changed our fee structure this year as well. So instead of the usual 1.65%, we've got discounts for people above 200,000, which includes you, where the percentage drops from 1.65 down after 200,000. When you get to 500,000, it drops again. And we basically just put it in there as a flat fee now rather than it floating Alright.","start_word":2824,"end_word":2895,"intents":[{"intent":"Change fee structure","confidence_score":0.0013002143}]},{"text":"up with your balance. K? So a bit of a Mhmm. discount for you this year. Alright. That's good. Cool. The last thing in there is a tax file number opt in form. We do need your consent for holding that number because it is so important. Just make sure Yep. you're still comfortable for us to use that for the advice. Mhmm.","start_word":2896,"end_word":2958,"intents":[{"intent":"Confirm account usage","confidence_score":0.00084621145}]}]},"sentiments":{"segments":[{"text":"Sorry. Good day, Steven. It's Tommy here, senior adviser from OakviewMate. How are you doing?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2520263195037842},{"text":"Good. Good to hear, mate. Good to hear.","start_word":15,"end_word":22,"sentiment":"positive","sentiment_score":0.5997651219367981},{"text":"I've got you booked in for that rescheduled annual review. Do you have Yes. a bit of time for me?","start_word":23,"end_word":42,"sentiment":"neutral","sentiment_score":0.2224580943584442},{"text":"Perfect.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.3674706816673279},{"text":"So, Yes. mate, before I begin, I've got a bit of a pack to send out to you, and I'm just gonna run through a quick security check. I don't have a password on file. Could I please get your date of birth and address, please? 03/06/1969. 135 Sundance Road, Gymboree Heights, Perfect. Queensland. Sensational. And I'm registered with ASIC as adviser 1273105. Are you okay for the call to be recorded? Yes. Perfect. Now I've got this pack ready to send out to your Gmail account. Will you better look onto it with me, or should I just kinda give you a bit of a walk through? Probably give me a walk through at the moment. No worries. I'll send it out just so you've got it there. Yeah. Should go through your main box. If you haven't used our new system before, it may go to your spam folder for the I first got one. you. Cool.","start_word":44,"end_word":202,"sentiment":"neutral","sentiment_score":0.06167207658290863},{"text":"Now my intentions today is... I'm really glad I've caught you.","start_word":203,"end_word":213,"sentiment":"positive","sentiment_score":0.40372997522354126},{"text":"Wanted to update a few details on file just to see what may have changed. And there's a few ideas that I've been looking at for the super just based on the research that I do have on hand at the moment. Yeah. Yeah. Anything I want to in change... particular... Yep. Go Yeah. for it. I want to change my beneficiaries' super ID. If Yep. you can send me the relevant paperwork for that. Of course. So I can see at the moment, we have spouse and two children listed, Amanda and Harry. Who do you want added on there? My wife. Just a 100%? I was gonna do, like, 5% for both Amanda and Harry and the rest to the wife. Yep. No worries. 5%, 5%, and 90. And do you want that the same kind of... Like, you had a non lapsing binding nomination, so it's legally binding and it doesn't expire? Yeah.","start_word":214,"end_word":369,"sentiment":"neutral","sentiment_score":0.07803291068054162},{"text":"That sound good?","start_word":370,"end_word":372,"sentiment":"positive","sentiment_score":0.4482632279396057},{"text":"Yep. And And my spouse for is Sharon, isn't it? yes. Alright. Yep.","start_word":373,"end_word":385,"sentiment":"neutral","sentiment_score":0.08706084638834},{"text":"Good.","start_word":386,"end_word":386,"sentiment":"positive","sentiment_score":0.37154167890548706},{"text":"So keep that all the same. Just change the Yeah. weightings a little bit. And that's for both the the q super and the hub? Yeah. Yeah.","start_word":387,"end_word":413,"sentiment":"neutral","sentiment_score":0.09094533324241638},{"text":"Beautiful. Alrighty.","start_word":414,"end_word":415,"sentiment":"positive","sentiment_score":0.4540964365005493},{"text":"I'm just gonna quickly go through your details for a second, then I'll dive into it with you. We've got a train driver for Queensland Rail on about a 125,000. That still sound about right? Yeah. Yeah. Cool. Do you have a set savings amount that you're still able to put away? I think we had about 100 a week previously. It could be a 100 or 75. I can't recall what it is at the moment. Haven't seen it. Yeah. Next pay slip. Okay. Cool. So it sort of fluctuates a little bit, but still trying to put aside a little bit of money.","start_word":416,"end_word":520,"sentiment":"neutral","sentiment_score":0.11329728364944458},{"text":"Good.","start_word":521,"end_word":521,"sentiment":"positive","sentiment_score":0.3858516216278076},{"text":"And in terms of the goals, so when we previously spoke to you, you were focusing on some home renovations and then the idea of cutting back some work hours, doing a bit more travel, paying off the mortgage. Does all that still sound current? Yes.","start_word":522,"end_word":567,"sentiment":"neutral","sentiment_score":0.14597125351428986},{"text":"Perfect.","start_word":568,"end_word":568,"sentiment":"positive","sentiment_score":0.3871886730194092},{"text":"Outside of that, we've got retirement towards age sort of 65, 67 on about 2,000 a week would be ideal.","start_word":569,"end_word":588,"sentiment":"neutral","sentiment_score":0.28752434253692627},{"text":"Perfect.","start_word":589,"end_word":589,"sentiment":"positive","sentiment_score":0.38444221019744873},{"text":"Last couple of things, in terms of the estate planning. So if we're updating the beneficiaries, did you put in place, like, a will or a power of attorney yet? Mhmm. No. I haven't. K. I'll put in a bit of a reminder for those. If Yes. it does help, you can get government approved kits from the post office for about $25 a pop, but they're very, very basic. Mhmm. Yep. Cool. And in terms of the assets and liabilities, so we've got the home, the Corolla credit card solar panels. Yep. The amount owing on the mortgage at the moment, is it still around $2.40, or have you knocked a chunk off of that? Oh, let me just see if I can have a look for you for a sec.","start_word":590,"end_word":721,"sentiment":"neutral","sentiment_score":0.021809379654851822},{"text":"Thank you so much. Appreciate Let's see.","start_word":722,"end_word":728,"sentiment":"positive","sentiment_score":0.5118112564086914},{"text":"that. I'll do a online evaluation check while you do that, just see what the market's saying. Just have a quick look. I had a look at the bank account yesterday. I think I might have taken a picture of it, what I have. Oh, cool. So I should be able to let you know. Let's see. It's about $2.25. 25.","start_word":729,"end_word":789,"sentiment":"neutral","sentiment_score":0.12525992095470428},{"text":"Thank you for that.","start_word":790,"end_word":793,"sentiment":"positive","sentiment_score":0.5296911597251892},{"text":"And the market's saying online that your property is probably valued closer to $938,000 instead of $8.50. Does that sound about right? Yeah. Possibly. Alright. I'll use that for now. We've got the Corolla there. No debt on that one. We did have $18.5 for the credit card and solar panels. Let's see. Could the card say 14.5? Be around about 15.5 or a lot. 15.5 all up.","start_word":794,"end_word":861,"sentiment":"neutral","sentiment_score":0.09654227644205092},{"text":"Thank you so much.","start_word":862,"end_word":865,"sentiment":"positive","sentiment_score":0.6316990256309509},{"text":"And the other asset we had was kind of like a coin and number plates collection, and that was sitting Yes. about 40,000. K. That'd be about... Around that $40.45. 45. And any other loans or assets floating around not included in that list? How far is that, I No. A million dollars under the mattress there, man. wish. Alrighty. Alright. So that's all the details up to date. Anything else you're focusing on for the next couple of years?","start_word":866,"end_word":945,"sentiment":"neutral","sentiment_score":0.015510044060647488},{"text":"Not at the moment.","start_word":946,"end_word":949,"sentiment":"negative","sentiment_score":-0.34545189142227173},{"text":"Cool.","start_word":950,"end_word":950,"sentiment":"neutral","sentiment_score":0.1278303563594818},{"text":"Just to stay healthy. That's all. That's all any of us can hope for.","start_word":951,"end_word":964,"sentiment":"positive","sentiment_score":0.3641590178012848},{"text":"Now when it comes to the super side of things and the insurances and everything, so a few things that I've already done a pretty deep dive on everything, and I wanna run some ideas by you and do some updates to the plans. Now when it comes to q super, so we've sent them a request to get an updated rundown that they're gonna email through to you.","start_word":965,"end_word":1033,"sentiment":"neutral","sentiment_score":0.07777855545282364},{"text":"You were in a aggressive investment, very sort of high risk, high returns. They've actually discontinued that investment, and I'm not sure what they've put you into.","start_word":1034,"end_word":1060,"sentiment":"negative","sentiment_score":-0.4348975121974945},{"text":"Okay. I'll have So to have a look. I I wanna try and get that statement from you if you... If they've sent it through, and then I wanna do a review of the options because, unfortunately, 95% of the options within q super, they've been performing quite low the last five years, around about that kind of five to 6% mark. Whereas your growth risk profile, you're probably aiming for a nine or 10 or above. Okay. There is one or two I found that looked pretty good, so I wanna just review that one as well if you're okay for me to dive into that and Yes. send you some comparisons. Yep. In terms of the contribution side of things, are you looking to do any salary sacrifice into super or just focus on the mortgage and everything like that? I just concentrate on the mortgage at the moment.","start_word":1061,"end_word":1211,"sentiment":"neutral","sentiment_score":0.0024627470411360264},{"text":"Perfect.","start_word":1212,"end_word":1212,"sentiment":"positive","sentiment_score":0.37134143710136414},{"text":"Now when I mentioned your growth risk profile before, we need to try and keep your your growth assets, like shares, property, gold, around the 80% mark. That's kind of your your profile. You're not high risk. You're not a five out of five. You're kind of like a four out of five at the moment. Does that make sense? Yes. Yep. Now when it comes to retirement, so 65 is that sort of full condition of release for the super. That's eight years away, And then you've got the age pension at 67. So, normally, you wanna have eight to ten years to be invested in a growth risk profile. But as you get closer, you kind of wanna protect it at some point. Right? You don't wanna be in growth at the age of 66, lose Yep. a third of your super day before you retire. Do you know what I mean? Mhmm. Yep. So we're in that period now where we need to get that last few years of good growth and then slowly start scaling it back. But you're at a balance now, 265,000 in the hub and possibly twenty to forty in the q super. We still need to get a few 100,000 more before we start doing that. Yep. K? When it comes to the hub portfolio, so the Iran war kicked off in March, had a bit of a market drop. It went back up again. So I'm just having a look at how the account went. We went from a balance of $2.57 down to $2.43, and then it went back up to $2.73, another $20 up, which is great, and then it's dropped it back to $2.65. So it's kind of all over the shop at the moment with what's going Anything's on in the possible news. with Trump, the way he's carrying on in that.","start_word":1213,"end_word":1527,"sentiment":"neutral","sentiment_score":-0.03883661131064097},{"text":"It's a bit of a double whammy too.","start_word":1528,"end_word":1535,"sentiment":"negative","sentiment_score":-0.407260000705719},{"text":"So not just what he's doing, but Oh, yes. The when other they countries made those... too. Yep. And even in Australia, when they brought out those changes to capital gains tax and negative gearing for properties, Your property options dropped 12% now as well, whereas your your battery tech and electric vehicles, that's jumped up 20% higher than it was last year, but some have gone down. So I do need to just kind of fix up the portfolio a little bit to get it back onto that 10% track that we're aiming for. Yep. Now one question I do have for you. This is purely personal preference. There's no wrong answer here. We have one underperforming option out of the eight, which is Bennelong, And I've got 1,300 options I can switch in in Hub and two main styles to choose from. We can either keep it actively managed where, you know, you pay a bit higher to get a higher return, or we can swing across to something a bit more lower fees that follows the market a bit closer. What would you prefer? Where's your gut line? Oh, it's hard to say what the market's gonna do, man. And we don't have to predict the market. I'm just Yeah.","start_word":1536,"end_word":1748,"sentiment":"neutral","sentiment_score":-0.037656868112758854},{"text":"trying to pick a good style that suits your personality, and then I'll pick the best option I can find.","start_word":1749,"end_word":1768,"sentiment":"positive","sentiment_score":0.3565298616886139},{"text":"So it's really about, do you want the lowest fees or pay more for higher return? Like, where's your preference I probably do lower fees at the moment. line? Yep.","start_word":1769,"end_word":1798,"sentiment":"neutral","sentiment_score":0.13810840249061584},{"text":"So what I'll do is I'll swing in a a nice index fund to get the the fees lower.","start_word":1799,"end_word":1817,"sentiment":"positive","sentiment_score":0.42735812067985535},{"text":"The only unfortunate thing with old q super is they don't have a growth index fund. They've got a balance index fund.","start_word":1818,"end_word":1839,"sentiment":"negative","sentiment_score":-0.4751094579696655},{"text":"So I'll I'll do a few comparisons and make a recommendation there. It may not be lower fees, but the hub one, I can get that down quite a bit, almost in half. Kidding. Does that sound alright? Yep. K. Cool. So what we basically need to do is update the portfolios for hub and q super. We're not doing any additional Mhmm. and we've got to update your beneficiaries. The last Yep. thing I wanna do is the income protection that you've got in q super. I'm gonna Alright. get the updated figures for it, but I'm having a look here. So if your income's 125,000, your maximum is 7,200 a month worth of cover. You've got 6,800 last time we checked. So I'm just wondering if we update the research and it's still sitting at around about that, is that enough for you to kind of get by with your expenses and everything? Yeah. If It should we're be talking out about... today. Yes. It'd probably be about 1,400 a week after tax. Yeah. It should be okay. Okay.","start_word":1840,"end_word":2020,"sentiment":"neutral","sentiment_score":0.005003202240914106},{"text":"And, unfortunately, I I do see the health history here. I'm assuming we weren't able to get you life insurance and TPD and trauma cover. No. No. Because I was diagnosed with cancer about two years ago. So Yeah. That was, what, May that's 20 '20 rude.","start_word":2021,"end_word":2067,"sentiment":"negative","sentiment_score":-0.4749322533607483},{"text":"'4, wasn't it? Yeah. Well, actually, I didn't find out till August 24. Alright. But the health insurance companies where the applications went new before I did. Jeez. What? They get reports and everything and they found it in there. Yeah. It must've, because I didn't Oh, find that's out. real. K.","start_word":2068,"end_word":2119,"sentiment":"neutral","sentiment_score":-0.16878850758075714},{"text":"So there's nothing I can really do there.","start_word":2120,"end_word":2127,"sentiment":"negative","sentiment_score":-0.3792940676212311},{"text":"Hey. I'm not gonna try and get Yeah. you some life insurance. Just try and keep that income protection in place. Yep. One thing I'll just quickly check. Premiums. So this is really up to you here. Last time we we had research from QSuper, it was getting close to $7,000 a year, and it wouldn't surprise me if the next statement was showing 8 or 9,000 a year worth of premiums. Mhmm. So the question is, do we alter that policy at all to get the premiums down? Like, they've got a benefit to the age of 65. Do we try and trim it down to five years? You've got a sixty day waiting period. Do we kick it out to ninety days before you can claim? Or would you be comfortable maybe chucking $30.40 bucks into the super to to help cover the cost and get a bit of a tax deduction? I could put a tiny bit more in, I suppose. I'm thinking with your income level, if you put, say, 50 a week in, it'll probably cost you about $30.32. Mhmm. Would that be manageable? Yes. K. Just What I'll just do... me... Next time I'm at work, I just have to update my contributions. That's all. Yeah. And we'll send you through some details once the plan's done.","start_word":2128,"end_word":2350,"sentiment":"neutral","sentiment_score":-0.03898075222969055},{"text":"I'll model it that way just so you can see the difference that would make.","start_word":2351,"end_word":2365,"sentiment":"positive","sentiment_score":0.3646059036254883},{"text":"And Yep. for now, I'll keep the income protection in place. But in our next chat, I'm gonna put it all into an updated plan so it's in. This is what you should do for the investments in hub and q super. We'll put in the $50 in the super, maintain the income protection, update the old beneficiaries. And from there, if you wanna make any alterations from there, you just let me know. Okay. K? How's that sound so far? Okay. I just have to see or Cool. look for any super statements I got from super key super. Yeah. When we submitted that, I think on the eighteenth or sixteenth, it should have come through now. They're usually pretty quick twenty four hour kind of thing. So if Alright. you can send that through to us, I'm assuming you've Mhmm. got our email addresses there from previous emails. Or Can't recall. do you want me to text Yeah. It just takes it it through. through to Probably you?","start_word":2366,"end_word":2535,"sentiment":"neutral","sentiment_score":0.13075345754623413},{"text":"Easy on the done. safe side.","start_word":2536,"end_word":2541,"sentiment":"positive","sentiment_score":0.35773298144340515},{"text":"So I'll go text your email through the q super statement to send it up to the team. And when it comes to the beneficiary nominations, are you okay to, like, if we email them through to print them out, get them signed a witness, or should I kind of just post you out a pack with a return envelope? Probably better off post it out in the pack Yep. Easy because done. it's hard to print things out at work at times because printers are not always working.","start_word":2542,"end_word":2630,"sentiment":"neutral","sentiment_score":0.06874872744083405},{"text":"Awesome.","start_word":2631,"end_word":2631,"sentiment":"positive","sentiment_score":0.4986802935600281},{"text":"I'll do a postage. And outside of that, when you get the forms, because they are legal documents, if you have any trouble with what to tick, we'll try and prefill what we can. Just give us a buzz. The team can walk you through it Yep. in thirty seconds flat. Just try not to... If you make any mistakes, you can't kind of, you know, cross it out or anything like that. That will decline it. But just give Yep. us a buzz if you need to. Okay. And the last thing was... I do apologize. I'm just having a look through the notes here opting into the QSIP. So your contributions are going there.","start_word":2632,"end_word":2747,"sentiment":"neutral","sentiment_score":0.0877644254922353},{"text":"That's great.","start_word":2748,"end_word":2749,"sentiment":"positive","sentiment_score":0.7521066665649414},{"text":"Your Hub twenty four login, we can see that's kind of locked online. Do you want us to reset it? Oh, yeah. Must... Yeah. It'd be better. Yep. Easy done. Reset login. Alright. Now I do have one last thing. That email pack I sent out to you, we've got the summaries of your super and your insurance as far as we know. Obviously, we're gonna get the updated statement for the QSuper. Mhmm. We've also got an updated service guide with Oakview, and we have actually changed our fee structure this year as well. So instead of the usual 1.65%, we've got discounts for people above 200,000, which includes you, where the percentage drops from 1.65 down after 200,000. When you get to 500,000, it drops again. And we basically just put it in there as a flat fee now rather than it floating Alright. up with your balance. K? So a bit of a Mhmm. discount for you this year. Alright.","start_word":2750,"end_word":2912,"sentiment":"neutral","sentiment_score":0.10540204495191574},{"text":"That's good. Cool.","start_word":2913,"end_word":2915,"sentiment":"positive","sentiment_score":0.5241207480430603},{"text":"The last thing in there is a tax file number opt in form. We do need your consent for holding that number because it is so important. Just make sure Yep. you're still comfortable for us to use that for the advice. Mhmm. Alrighty. Yep.","start_word":2916,"end_word":2960,"sentiment":"neutral","sentiment_score":0.09718717634677888},{"text":"That's pretty much everything from me today.","start_word":2961,"end_word":2967,"sentiment":"positive","sentiment_score":0.35851621627807617},{"text":"Do you have any questions for me, Oh, Steve? and I. Perfect. Not not Christians. Alrighty. So from here, as soon as we get that q super statement, I'll pass it over to the team to do the comparisons and Yeah. research. Once the plan is done, we'll get you booked in, and I'll run you through the updated figures and and see if you're happy with it. Yep. I'll have a look later today in my emails and that so you can find it.","start_word":2968,"end_word":3052,"sentiment":"neutral","sentiment_score":0.17421711770927203},{"text":"Perfect.","start_word":3053,"end_word":3053,"sentiment":"positive","sentiment_score":0.7422798871994019},{"text":"And I'll text you through that email address to send it Yep. to. Okay.","start_word":3054,"end_word":3067,"sentiment":"neutral","sentiment_score":0.2556048631668091},{"text":"Alrighty, Steven. Thank you so much for your time today. I really Yep. appreciate it, and leave the rest to me. Okay. Thank you. Awesome, mate. Have a great day. Bye.","start_word":3068,"end_word":3098,"sentiment":"positive","sentiment_score":0.6282410621643066},{"text":"Yep.","start_word":3099,"end_word":3099,"sentiment":"neutral","sentiment_score":0.24873444437980652},{"text":"Thank you.","start_word":3100,"end_word":3101,"sentiment":"positive","sentiment_score":0.5882725715637207},{"text":"Bye.","start_word":3102,"end_word":3102,"sentiment":"neutral","sentiment_score":0.3238561153411865}],"average":{"sentiment":"neutral","sentiment_score":0.051311369752458064}}}}