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Is now still a good time? Fantastic. Jason, we do also send through some annual review documents to you. Are you able to receive that via your email at the moment? Fantastic. Yeah. You're right. Not a problem at all. I'll just just send on that one there for you. You're right. I have. Yes. You can hear me okay? Yep. Jason, can you hear me? I can hear you perfectly fine. Yep. I can still hear you perfectly fine. Have you got me at all? Yeah. All good. Fantastic. Jason, before we jump into the call and go through your annual review, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fan fantastic. And, also, just to do security today with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that. I have sent you any of your documents through to you there. Essentially, the documents that we are looking at today are just as an attachment. I know in previous years, we used DocuSign. We're using a new system now called Odoo. So those should all be as attachments. So when you open the email, you have a button that says sign. But if you scroll down, you should see those individual attachments there. If you can't, let me know. I have a jasonoreagan1992@yahoo.com. Okay. No. That's alright. If you send me the email, I can't alter where that's being sent through to. But if you can send me the email after the call, if you're okay, I can draft up another one and resend it to you. Would that be okay? Yeah. That'd be great. Thank you. Yep. Yep. At Gmail dot com. Not a worry. I'll just read I found that with you. It's a Jason.O'Regan01@gmail.com. Fantastic. After the call, I'll regenerate a new a new review email through to you, and it will send it through to your new one. So my colleague my admin team is just letting me know they're gonna do that now for you. So once they've got that regenerated, they'll send it through to you so it puts you in your email. But in the meantime, we can run through and go through and give you an update on everything else. Okay? Fantastic. So just having a bit of a look back. Now I can see previous, previously, you have withdrawn a bit of money. I had a bit of a compassionate grounds claim there. You had your teeth done. That was round about just, sorry, February last year. How's everything been going with your teeth since having it all done? Yep. Yep. Nice. Nice. What did you actually have done? Wow. Yep. Well, someone told me the other day that with this with those implants, it takes about six months for them to all be put in correctly. Is that right? They give you some plastic teeth to begin with? Wow. Yeah. Yes. Yep. Wow. That's insane. Yeah. Wow. Well, I'm glad everything's working well for you now. You're not having any additional problems or anything with the new teeth. They're all working the way they're supposed to. Yeah. Oh, fantastic. Everyone tells me once you get the full implants in there, you can basically bite into concrete and not have any problem. Wow. That's just and can you feel any of it? Like, do you notice it's there, or is it just sort of that you know? Okay. Yeah. Okay. Yeah. Wow. Yeah. Absolutely. I do love that kind of feedback because we do get a lot of people with Compassionate Ground claims and then whatnot. And, yeah, one lady the other day made mention to me. She says, I didn't know this was the process, and she was struggling with it. And I was like, that's really interesting to know because I didn't know that was the process either. And I thought that's kind of handy to have feedback as to when people are going through those dentistry procedures and things. But I was, yeah, really curious to see how yours have gone for you and, you know, glad it all went well. Yeah. Yeah. Yep. Yep. Oh, fantastic. Well, that is really, really good to hear. I'm glad it's all going well for you. So having taken that money out of super does mean that your super balance is a bit low than where we would have obviously expected that to be there. When we sort of did do your annual review last year, your balance then was about 66,314. So your balance now is at 64,217. I'm acknowledging that it is lower than where it was this time last year, And that's basically because, obviously, the markets have had a bit of an up and down. When I kind of look at how everything was projecting last year from your annual review through to the end of the year, we'd actually seen some really good market ups. We had also, unfortunately, know that one of your investments from about early this year onwards started to underperform significantly. Now you would have received an email probably about March this year in relation to a a switch we were completing in your investments. Do you remember that coming through at all? Yeah. That's okay. So we were originally had the Bennelong Australian Equities investment in your portfolio. Now Bennelong was placed in there originally to be more of an actively managed investment. Bannalong is an active manager, so the investment manager is essentially trying to buy and sell investments and time the market and make sure that they've kinda outperformed against the market as a whole. Bannalong early this year from about January onwards had some underlying issues with some of their investments, and they weren't able to get out of those investments. And it very heavily affected the valuation of the investment itself. So our investment committee met. They decided it was no longer a good investment. It unfortunately did have an impact where it was down for your portfolio, but when we sort of have a look at how Benelon's tracked ongoing, it's continued to increase and deals in continued to decrease and has been down significantly in everyone's portfolio. So that record of advice was essentially sent out to you in March where we had removed Ben along from your investment portfolio and replaced that with the a 200. So when you do look at your super fund, you'll see you've got the beta shares Australian 200. That investment is more of a passively managed investment, so it's tracking the top 200 companies on the ASX. It's actually giving you more diversification, but it's also a cheaper investment to have in there. So that has performed much better than Benelong. So we had removed that one out of that portfolio, replaced it with the a 200, which since doing that has seen a much bigger increase in your super. We've seen it come back a little bit, which is good. When I look at your portfolio as a whole over the last twelve months, you are down by about 0.51%. So acknowledging this year has been very volatile, then along had underperformed a bit this year as well, so we've removed that for you. And then, obviously, the greater market concern, investors have been a bit nervous in the market with what's been happening between Iran and The US, which which has created greater volatility there as well. So that's essentially why your super has been negatively impacted this year. You are down a little bit at the moment. When I look at your over the last one month, so since we made that changes from bay from BANALONG to the BetaShares a 200 and since we've sort of had a little bit of stability coming out of what's been going on globally as well, your portfolio is now showing the last one month up by 2.4%. So it is good. You are seeing that recovery point. We just need to sort of watch to make sure it continues to recover. Does that make sense? Yeah. Beautiful. I never wanna hide the fact that markets don't always perform great. Some investments also underperform, but I wanted to make sure that I've done that, had a look around, looked at where things are going. It does look like we are tracking on the right way again. I would just wanna sort of keep things the way they are for the moment, just continue as to make sure that they are tracking well, and then we can maybe touch base in another few months and see how it's all tracking and whether any additional changes need to be made. Does that sound okay with you? Do you have any questions? Yep. Fantastic. It's been a bit of a rocky year out there at the moment with what's being happening globally. Insane that there are there is a little bit of, the concern seems to have died off a little bit with regards to the market, so I think investors are just a bit over what's happening in The US and around there. One of the really cool indicators that we tend to utilize or I like to utilize is what's called the VIX index. I'm not sure if anyone's kind of made mention to this before, but the VIX VIX index essentially tracks market volatility. And sort of when you look at it, if that's over 20%, then it's sort of saying that over the next thirty days, we're expecting big ups and downs. So we're expecting a lot more volatility in the market. Whereas if it's under 20%, it sort of shows that over the next thirty days, we are expecting a we're expecting a little bit of stability there. And as of the last close in The US, the VIX index was sitting at about 17.68%. So it's under that 20% marker. So it is sort of showing that we are expecting a little bit of a a steadier kind of period, which is good. That's what we kind of wanna have after all the ups and downs we've felt over the past few months. But it's also about just making sure these investments are working harder for you as well. So if you're really comfortable with that, we can sort of touch base next three or even six months depending on what you're comfortable with. Have a look and see how everything has been tracking in that time frame, and then look at whether we need do need to make any additional changes to your portfolio. Does that sound okay? Yep. Beautiful. Beautiful. I'm sorry. It's been a little bit down this year, but it's really good to see that that 2.4 in the last month is showing a bit of a recovery. So it's that's a good sign. Yeah. Absolutely. Well, with your portfolio, you're in that high growth environment at the moment, which generally sort of sees that 90% in those high risk sort of areas like Australian shares, international shares, listed property, and commodities like gold and silver. So being in that high growth environment, you are taking a bit more risk to get those greater returns, and the market is doing really well. But we also know there are gonna be down times when the market doesn't perform as well or we see volatility. And because you're in that high growth environment, you expect those dips to be just as, you know, big for yourself. You kind of will notice them more as your balance increases there. The with the high growth portfolio, we generally expect a negative return sort of one in every six years, and this sort of suits someone who has a time horizon of at least eight years before they're wanting to access their success. So because of your agent stage, this suits where you're at your time horizon. You're not accessing in the next eight to ten years. You've got double, nearly triple that before you're able to access your super at this point. So it's about being able to take on a bit more growth there. And because you did take some money out, that's also had a bit of an effect. So allowing that to come back, recover, letting these changes take effect, and then kind of adjusting the portfolio as we get closer to retirement could also be, you know, a good advantage. And you're contributing now as well, which is another really good factor there. So that money's going in more regularly for you as well. Yeah. Fantastic. Fantastic. Now you will have a copy of those reports in there for you. If you find when you are looking at any of that, let me know if you do have any questions. Happy to sort of break things down more for you. But, yeah, look, I'm not sort of worried about your portfolio at the moment. Those changes are coming to effect. We've removed anything that's underperforming, which is really important. And because Benelon was underperforming, when we made that change, there was no capital gains consequences for your super, so it actually saved your super on some tax, which is kind of cool as well. That's exactly right. But we'll just sort of make a bit of a a catch up. Did you want me to do this in a bit of a catch up with you in three or six months? What's preferred for you? Mhmm. Beautiful. We'll do a bit of a catch up and see how things are tracking, and then we can always reassess and see what maybe needs to change there for you as well. Okay? That's okay. Now the other thing to have a chat about is the insurances. So you do have your ClearView life insurance policy. You do have a current sum insured of 594,671. So when you think about your life insurance, we hope nothing happens. But if you were to pass away, what's your goal? What is it that you're wanting to have covered with your life insurance? Yeah. Beautiful. So are you sort of thinking you wanna because I'm having a look at your assets here. I don't are you renting where you are? You don't have a home loan at the moment. Is that right? Yeah. Beautiful. So, realistically, if you were to pass away and we touch with nothing and don't want anything to happen, that sum insured the $5.94 can be paid out to your beneficiaries there, but then your super balance is paid out on top of that, so giving them an extra 64,217 based on today's balance there. Do you feel like that's fairly sufficient for the time being? Yep. Fantastic. Now you've also got your TBD cover. So total permanent disability is paid out in the event of a total impairment, so essentially permanent incapacity. And, again, if you do claim on TBD, we can also claim that against your super to have that balance released. Now I don't know if anyone's kind of brought this up before, but TBD is actually, unfortunately, a taxable payment. So if in the event of a TBD claim, if you withdrew the full amount out, they can deduct tax of up to 22%. It's terrible. I don't like that. I think that is horrible. Anyone who's currently incapacitated and can't go back to work should not be taxed on that benefit amount. If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable. There are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well. But just based on the the current amount you have, the $5.94 $6.07 1, do you feel like that TBD sum insured is comfortable for you, or would you wanna That's okay. Beautiful. Thank you so much for that. It's not always great news to give people. I'm not sure if anyone's kind of ever gone through that with you, and I do like to make sure that I'm giving you a bit of information around how these work. All good. It's a bit of a shock if you ever had the claim and someone, hey. By the way, you gotta pay tax on that, and you went, wait. What? Absolutely. Now income wise, I have you earning, as of the last review, about a 120,000. Has that increased or altered since last year? 75,000? Not a problem at all. So when we look at your income protection policy, income protection can pay up to 70% of your current income. So based on your current income of, say, 75,000 per annum, having a monthly benefit, your monthly benefit at the moment for what you're insured for is 7,136. This would have been on your previous income, I'm assuming. Yeah. Did you want me to get a quote? No. Absolutely. Absolutely. Because, realistically, at 70% of that 75,000, the amount is about 4,375 as a monthly benefit there. Are you expecting any kind of pay increase over the next year at all, like, with regards to your business? No? No. That's okay. And you're comfortable with me looking to reduce that for you? Yep. Beautiful. Did you want me to maybe send? Yeah. Absolutely. Would you like me to do it so I can do one of two ways for you? I can just take the direction and do it up as a transaction without advice, where we are just reducing it based on, your your you're just telling me to reduce that, and I can go ahead and get that sorted for you. Or I can do up a record of advice and send it through with the advantages, disadvantages, and the risks involved for you to consider prior to you reducing. What would you Yep. Beautiful. Yep. That's okay. Not a problem. So I'll just drop a transaction without advice there for you. It just just outlines the risks of doing so, outlines what you've told me you wanna do, and then you just sign that, return it back with a letter, and we'll have that actioned for you. Is that okay? Easy. Not a worry. With the waiting period, you've got a thirty day waiting period, so you just have to be off work for thirty days prior to making a claim. You're comfortable keeping that waiting period as it is? Beautiful. Excellent. And a five year benefit period. So you can be on a claim for up to five years. Generally, as much as claims can be 90% done in that two year period, having a five year benefit period does also keep the risk of you being on a partial claim, so maybe going back to work a couple of days a week and also receiving some money from the claim. So having a five year benefit isn't a bad thing at all for your agent's age. Are you comfortable keeping that five year benefit period there? Yes. Beautiful. Fantastic. Do you have any questions in relation to the insurance side of things at all or anything that was going through? No? Beautiful. Excellent. So having a look at the rest of your details here, I can see, sorry, that you've got two dependents or two young kids? Fantastic. Having a look, and then I've also got it down here that you're single. Is that right? Yep. Beautiful. So with your life insurance, just wanna double check that with your life and your super that the beneficiaries are also noted correctly. So if in the event of passing, where is it that you would like that benefit to be paid to? Yep. So I do have your beneficiary on your super as being Caitlin. Now that's your ex partner. Is that right? Yes. Are you wanting to have that updated so it is directed through to your children, or are you happy with her being yep. That's okay. Am I able to grab the details of each of your kids? And I can have my team pre fill that beneficiary nomination for you. Is that okay? Fantastic. L I a m? Perfect. Okay. Beautiful. Got that here. So Liam and Evelyn. Excellent. And I'll describe this so I am confirming their date of birth for each of the kids as well. Sorry to put you on the spot. Yep. Yep. Beautiful. And who was born in 2020? Evelyn. Beautiful. And so Lane was 2018. Not a problem at all. I'll have the team pop those up there for you. We'll get them resent through so we yeah. Can you hear me alright? Jason, can you hear me? Hello? Can you yeah. Have you got me there, Jason? Yeah. All good? Perfect. That's okay. Perfect. We'll have those beneficiary nominations prefilled and sent to you. Did you want post or email or both? What's preferred for yourself? Email is fine. Beautiful. Not a problem at all. Fantastic. Thank you for that. Now the only other thing that sort of goes to with insurance is the fact that you do have kids. So there are other types of cover you can have. Not everybody wants them. Covers like trauma, which is paid out of your back pocket, covers you with a lump sum tax free benefit in the event of a major diagnosis, or you can even get child trauma, which, you know, pays out a lump sum tax free benefit in the event of your children being diagnosed with a, you know, a major diagnosis. Cancer's probably the biggest one that we can kind of relate it to, but there are a host of different things that you can be covered for. Are you wanting to look at any additional insurances that might you provide? All good. Beautiful. Lovely. And just having a bit of a look at your goals here as well. So when we kind of touched base last time, you had made mention that you wanna do benefits to be paid out to your kids in the event that anything happens. So I'll make sure that this is all updated for you to reflect that. With super, we were sort of working on an age of 60. Are you still working on, hopefully, being able to access super, maybe stop working at 60? Yep. Beautiful. You've got here an ideal income of retirement of about 1,500 per week. You do have a lot of time ahead of you, so we can kind of review that when you get to that point to see what kind of income suits you down the track there. All good. You are doing really well. Obviously, taking the money out has kinda had a little bit of a negative impact on it, but given your agent stage, the time you have, and you are now contributing, you are still on track to get that income. So moving forward, it's not doing an it's not actually very bad at all. You are getting there. Realistically, when we kinda get to retirement, we kinda wanna have as much money in super as we can absolutely get, and you'll always be able to draw the income down that you're after. It just depends upon how much you end up with your total balance and how you're invested in retirement that provides longevity. So when you get to that point, we'll assess exactly what you wanna earn on a regular basis, on a monthly or fortnightly basis or weekly, look at how long sleep is gonna last, also how you should be invested in those retirement years. That way, you are still invested, still having money growing, and hopefully drawing some income to help pay those income payments down. Does that make sense? Yeah. So there's a lot a lot a lot of different factors that play into it. However, with the amount of growth where you are kinda tracking at the moment and the time you have, you are fairly well on track at the moment. So there's nothing major that I would change at this particular point in time. It's just about tracking, and we'll do a bit of a catch up in three months with you there as well. Okay? Excellent. I had other goals noted here. So you also wanted to possibly purchase a home on the Sunshine Coast. Is that something you're still looking to do down the track? Yep. Yep. Perfect. In Brisbane. Lovely. And then I've also got down here other goals are trying to build your business and bring in more income. That sounds like it's been growing quite nicely. How's all that tracking for you? Yep. Beautiful. And we'll continue with that goal moving forward. Fantastic. What else do we have here? I also had it down that you're wanting to your super to be growing and wanting to have the team who will keep you updated in the event of market crashes. Well, that's absolutely fine. Beautiful. Is there any other goals or anything else that, you know, comes to mind that might be important for you over the next twelve months, five years, ten years? Alright. Fantastic. The last thing to do is just to update all of your assets and liabilities I have here. Now you may mention you are renting. How much rent do you pay at the moment on a weekly or fortnightly basis? $3.75 per week. Fantastic. I had down here that you did also have a personal loan with about $27,008.81 owing. Do you still have that one? Yep. That's okay. Yeah. You're right. Yeah. Beautiful. We'll note that down there for you. Yep. Perfect. $9,100. Excellent. And then I also have here that you had about 20,000 cash in the bank. Do you still have that buffer in savings? That's okay. And then I also had down here there was a credit card. It looks like the limit is about 12,000. Do you still have the credit card with that limit? Or Completely gone. Beautiful. Excellent. And then the only other asset I had noted was a motor vehicle with an asset value of 50,000 and debt free. Is that right? Beautiful. Yep. Yeah. Not a problem at all. And what sort of car is it? Oh, fantastic. C 200. Excellent. Beautiful. Is there any other assets, any, you know, other savings or collections or anything else of value investments you might have? No? No. That's okay. And then I've got down here that you don't have or did not have a will last year. Have you sort of looked at doing up a will or have one done in the last 12? No? Something on the list to do? Yep. That's okay. If you would like, just as a bit of a starting point, it's by no means obligation, or we can always send you just an email with some information on a local source that we can refer you through to. It gives you a bit of an idea of how much they charge to have a will and power of attorney done up just so you can have a bit of a browse and to think about that. Did you want me to send that email through to you? Yeah. Fantastic. Sometimes it's just good to start to get get the conversation started or in your case to sort of get the the thought process moving a little bit, have a think about how much it might cost, and when and if this might be, you know, preferable to do for yourself. You've got your super and your life insurance with your beneficiaries there, but everything else you've worked so hard for outside of those things. You know, in the event of passing, you wanna have, you know, pulled together and passed to the person that, you know, you want them to go to and distributed as per your wishes. Yeah. Beautiful. That's basically everything there. I've just sort of gone through and had a really good look. It looks to me like that high growth environment for your risk profile is still appropriate. Did you wanna review that at the moment, or you still feel happy remaining in that high growth environment? Yep. Yep. Beautiful. And do you have any questions or anything else that you might want me to look at for you or rundown or yep. Beautiful. Easy. Well, what I'll do is we'll get that updated and your review documents out to you. I'll do offer transaction without advice for the reduction of your the reduction of your income protection cover. We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action. My team will also send through the solicitor's information there for you. And if you find you have any questions at any point, let me know, but we'll definitely do a catch up in three months there for you as well. Does that sound okay? Have I missed anything? Lovely. Oh, and so the beneficiaries, we'll make sure we get those actioned for you and sent out and completed. Okay. Easy. Looking nice, easy one today for you. Once those documents all come through with the annual review, have a look through them. I've also got all the ones I went through attached to you. Just look at the financial services guide in there for you, which outlines everything about who I am and OCF Financial are. And if you are happy to stay on board for the next twelve months, we'll just get you to sign the ongoing service agreement and run that back to us. It does outline your ongoing service fee at 1.65% per annum, which is calculated and deducted in smaller monthly income is from your super fast services there. But do you have any questions about how the fee works or anything related to that? Oh, beautiful. Well, thank you so much for your time today, Jason. It's been a real pleasure. I hope you have a wonderful afternoon. No worries. I'll talk to you soon. I'll get all those actioned for you. Thanks so much. See you later. 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Jason. It's Dana from Mercy Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. I had you booked in this morning to go through an annual review there with you. Is now still a good time? Fantastic. Jason, we do also send through some annual review documents to you.\n\nAre you able to receive that via your email at the moment? Fantastic. Yeah. You're right. Not a problem at all.\n\nI'll just just send on that one there for you. You're right. I have. Yes. You can hear me okay?\n\nYep. Jason, can you hear me? I can hear you perfectly fine. Yep. I can still hear you perfectly fine.\n\nHave you got me at all? Yeah. All good. Fantastic. Jason, before we jump into the call and go through your annual review, I do need to let you know our calls are recorded for training and quality purposes.\n\nAre you happy for me to proceed with that? Fan fantastic. And, also, just to do security today with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nFantastic. Thank you so much for that. I have sent you any of your documents through to you there. Essentially, the documents that we are looking at today are just as an attachment. I know in previous years, we used DocuSign.\n\nWe're using a new system now called Odoo. So those should all be as attachments. So when you open the email, you have a button that says sign. But if you scroll down, you should see those individual attachments there. If you can't, let me know.\n\nI have a jasonoreagan1992@yahoo.com. Okay. No. That's alright. If you send me the email, I can't alter where that's being sent through to.\n\nBut if you can send me the email after the call, if you're okay, I can draft up another one and resend it to you. Would that be okay? Yeah. That'd be great. Thank you.\n\nYep. Yep. At Gmail dot com. Not a worry. I'll just read I found that with you.\n\nIt's a Jason.O'Regan01@gmail.com. Fantastic. After the call, I'll regenerate a new a new review email through to you, and it will send it through to your new one. So my colleague my admin team is just letting me know they're gonna do that now for you. So once they've got that regenerated, they'll send it through to you so it puts you in your email.\n\nBut in the meantime, we can run through and go through and give you an update on everything else. Okay? Fantastic. So just having a bit of a look back. Now I can see previous, previously, you have withdrawn a bit of money.\n\nI had a bit of a compassionate grounds claim there. You had your teeth done. That was round about just, sorry, February last year. How's everything been going with your teeth since having it all done? Yep.\n\nYep. Nice. Nice. What did you actually have done? Wow.\n\nYep. Well, someone told me the other day that with this with those implants, it takes about six months for them to all be put in correctly. Is that right? They give you some plastic teeth to begin with? Wow.\n\nYeah. Yes. Yep. Wow. That's insane.\n\nYeah. Wow. Well, I'm glad everything's working well for you now. You're not having any additional problems or anything with the new teeth. They're all working the way they're supposed to.\n\nYeah. Oh, fantastic. Everyone tells me once you get the full implants in there, you can basically bite into concrete and not have any problem. Wow. That's just and can you feel any of it?\n\nLike, do you notice it's there, or is it just sort of that you know? Okay. Yeah. Okay. Yeah.\n\nWow. Yeah. Absolutely. I do love that kind of feedback because we do get a lot of people with Compassionate Ground claims and then whatnot. And, yeah, one lady the other day made mention to me.\n\nShe says, I didn't know this was the process, and she was struggling with it. And I was like, that's really interesting to know because I didn't know that was the process either. And I thought that's kind of handy to have feedback as to when people are going through those dentistry procedures and things. But I was, yeah, really curious to see how yours have gone for you and, you know, glad it all went well. Yeah.\n\nYeah. Yep. Yep. Oh, fantastic. Well, that is really, really good to hear.\n\nI'm glad it's all going well for you. So having taken that money out of super does mean that your super balance is a bit low than where we would have obviously expected that to be there. When we sort of did do your annual review last year, your balance then was about 66,314. So your balance now is at 64,217. I'm acknowledging that it is lower than where it was this time last year, And that's basically because, obviously, the markets have had a bit of an up and down.\n\nWhen I kind of look at how everything was projecting last year from your annual review through to the end of the year, we'd actually seen some really good market ups. We had also, unfortunately, know that one of your investments from about early this year onwards started to underperform significantly. Now you would have received an email probably about March this year in relation to a a switch we were completing in your investments. Do you remember that coming through at all? Yeah.\n\nThat's okay. So we were originally had the Bennelong Australian Equities investment in your portfolio. Now Bennelong was placed in there originally to be more of an actively managed investment. Bannalong is an active manager, so the investment manager is essentially trying to buy and sell investments and time the market and make sure that they've kinda outperformed against the market as a whole. Bannalong early this year from about January onwards had some underlying issues with some of their investments, and they weren't able to get out of those investments.\n\nAnd it very heavily affected the valuation of the investment itself. So our investment committee met. They decided it was no longer a good investment. It unfortunately did have an impact where it was down for your portfolio, but when we sort of have a look at how Benelon's tracked ongoing, it's continued to increase and deals in continued to decrease and has been down significantly in everyone's portfolio. So that record of advice was essentially sent out to you in March where we had removed Ben along from your investment portfolio and replaced that with the a 200.\n\nSo when you do look at your super fund, you'll see you've got the beta shares Australian 200. That investment is more of a passively managed investment, so it's tracking the top 200 companies on the ASX. It's actually giving you more diversification, but it's also a cheaper investment to have in there. So that has performed much better than Benelong. So we had removed that one out of that portfolio, replaced it with the a 200, which since doing that has seen a much bigger increase in your super.\n\nWe've seen it come back a little bit, which is good. When I look at your portfolio as a whole over the last twelve months, you are down by about 0.51%. So acknowledging this year has been very volatile, then along had underperformed a bit this year as well, so we've removed that for you. And then, obviously, the greater market concern, investors have been a bit nervous in the market with what's been happening between Iran and The US, which which has created greater volatility there as well. So that's essentially why your super has been negatively impacted this year.\n\nYou are down a little bit at the moment. When I look at your over the last one month, so since we made that changes from bay from BANALONG to the BetaShares a 200 and since we've sort of had a little bit of stability coming out of what's been going on globally as well, your portfolio is now showing the last one month up by 2.4%. So it is good. You are seeing that recovery point. We just need to sort of watch to make sure it continues to recover.\n\nDoes that make sense? Yeah. Beautiful. I never wanna hide the fact that markets don't always perform great. Some investments also underperform, but I wanted to make sure that I've done that, had a look around, looked at where things are going.\n\nIt does look like we are tracking on the right way again. I would just wanna sort of keep things the way they are for the moment, just continue as to make sure that they are tracking well, and then we can maybe touch base in another few months and see how it's all tracking and whether any additional changes need to be made. Does that sound okay with you? Do you have any questions? Yep.\n\nFantastic. It's been a bit of a rocky year out there at the moment with what's being happening globally. Insane that there are there is a little bit of, the concern seems to have died off a little bit with regards to the market, so I think investors are just a bit over what's happening in The US and around there. One of the really cool indicators that we tend to utilize or I like to utilize is what's called the VIX index. I'm not sure if anyone's kind of made mention to this before, but the VIX VIX index essentially tracks market volatility.\n\nAnd sort of when you look at it, if that's over 20%, then it's sort of saying that over the next thirty days, we're expecting big ups and downs. So we're expecting a lot more volatility in the market. Whereas if it's under 20%, it sort of shows that over the next thirty days, we are expecting a we're expecting a little bit of stability there. And as of the last close in The US, the VIX index was sitting at about 17.68%. So it's under that 20% marker.\n\nSo it is sort of showing that we are expecting a little bit of a a steadier kind of period, which is good. That's what we kind of wanna have after all the ups and downs we've felt over the past few months. But it's also about just making sure these investments are working harder for you as well. So if you're really comfortable with that, we can sort of touch base next three or even six months depending on what you're comfortable with. Have a look and see how everything has been tracking in that time frame, and then look at whether we need do need to make any additional changes to your portfolio.\n\nDoes that sound okay? Yep. Beautiful. Beautiful. I'm sorry.\n\nIt's been a little bit down this year, but it's really good to see that that 2.4 in the last month is showing a bit of a recovery. So it's that's a good sign. Yeah. Absolutely. Well, with your portfolio, you're in that high growth environment at the moment, which generally sort of sees that 90% in those high risk sort of areas like Australian shares, international shares, listed property, and commodities like gold and silver.\n\nSo being in that high growth environment, you are taking a bit more risk to get those greater returns, and the market is doing really well. But we also know there are gonna be down times when the market doesn't perform as well or we see volatility. And because you're in that high growth environment, you expect those dips to be just as, you know, big for yourself. You kind of will notice them more as your balance increases there. The with the high growth portfolio, we generally expect a negative return sort of one in every six years, and this sort of suits someone who has a time horizon of at least eight years before they're wanting to access their success.\n\nSo because of your agent stage, this suits where you're at your time horizon. You're not accessing in the next eight to ten years. You've got double, nearly triple that before you're able to access your super at this point. So it's about being able to take on a bit more growth there. And because you did take some money out, that's also had a bit of an effect.\n\nSo allowing that to come back, recover, letting these changes take effect, and then kind of adjusting the portfolio as we get closer to retirement could also be, you know, a good advantage. And you're contributing now as well, which is another really good factor there. So that money's going in more regularly for you as well. Yeah. Fantastic.\n\nFantastic. Now you will have a copy of those reports in there for you. If you find when you are looking at any of that, let me know if you do have any questions. Happy to sort of break things down more for you. But, yeah, look, I'm not sort of worried about your portfolio at the moment.\n\nThose changes are coming to effect. We've removed anything that's underperforming, which is really important. And because Benelon was underperforming, when we made that change, there was no capital gains consequences for your super, so it actually saved your super on some tax, which is kind of cool as well. That's exactly right. But we'll just sort of make a bit of a a catch up.\n\nDid you want me to do this in a bit of a catch up with you in three or six months? What's preferred for you? Mhmm. Beautiful. We'll do a bit of a catch up and see how things are tracking, and then we can always reassess and see what maybe needs to change there for you as well.\n\nOkay? That's okay. Now the other thing to have a chat about is the insurances. So you do have your ClearView life insurance policy. You do have a current sum insured of 594,671.\n\nSo when you think about your life insurance, we hope nothing happens. But if you were to pass away, what's your goal? What is it that you're wanting to have covered with your life insurance? Yeah. Beautiful.\n\nSo are you sort of thinking you wanna because I'm having a look at your assets here. I don't are you renting where you are? You don't have a home loan at the moment. Is that right? Yeah.\n\nBeautiful. So, realistically, if you were to pass away and we touch with nothing and don't want anything to happen, that sum insured the $5.94 can be paid out to your beneficiaries there, but then your super balance is paid out on top of that, so giving them an extra 64,217 based on today's balance there. Do you feel like that's fairly sufficient for the time being? Yep. Fantastic.\n\nNow you've also got your TBD cover. So total permanent disability is paid out in the event of a total impairment, so essentially permanent incapacity. And, again, if you do claim on TBD, we can also claim that against your super to have that balance released. Now I don't know if anyone's kind of brought this up before, but TBD is actually, unfortunately, a taxable payment. So if in the event of a TBD claim, if you withdrew the full amount out, they can deduct tax of up to 22%.\n\nIt's terrible. I don't like that. I think that is horrible. Anyone who's currently incapacitated and can't go back to work should not be taxed on that benefit amount. If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable.\n\nThere are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well. But just based on the the current amount you have, the $5.94 $6.07 1, do you feel like that TBD sum insured is comfortable for you, or would you wanna That's okay. Beautiful. Thank you so much for that. It's not always great news to give people.\n\nI'm not sure if anyone's kind of ever gone through that with you, and I do like to make sure that I'm giving you a bit of information around how these work. All good. It's a bit of a shock if you ever had the claim and someone, hey. By the way, you gotta pay tax on that, and you went, wait. What?\n\nAbsolutely. Now income wise, I have you earning, as of the last review, about a 120,000. Has that increased or altered since last year? 75,000? Not a problem at all.\n\nSo when we look at your income protection policy, income protection can pay up to 70% of your current income. So based on your current income of, say, 75,000 per annum, having a monthly benefit, your monthly benefit at the moment for what you're insured for is 7,136. This would have been on your previous income, I'm assuming. Yeah. Did you want me to get a quote?\n\nNo. Absolutely. Absolutely. Because, realistically, at 70% of that 75,000, the amount is about 4,375 as a monthly benefit there. Are you expecting any kind of pay increase over the next year at all, like, with regards to your business?\n\nNo? No. That's okay. And you're comfortable with me looking to reduce that for you? Yep.\n\nBeautiful. Did you want me to maybe send? Yeah. Absolutely. Would you like me to do it so I can do one of two ways for you?\n\nI can just take the direction and do it up as a transaction without advice, where we are just reducing it based on, your your you're just telling me to reduce that, and I can go ahead and get that sorted for you. Or I can do up a record of advice and send it through with the advantages, disadvantages, and the risks involved for you to consider prior to you reducing. What would you Yep. Beautiful. Yep.\n\nThat's okay. Not a problem. So I'll just drop a transaction without advice there for you. It just just outlines the risks of doing so, outlines what you've told me you wanna do, and then you just sign that, return it back with a letter, and we'll have that actioned for you. Is that okay?\n\nEasy. Not a worry. With the waiting period, you've got a thirty day waiting period, so you just have to be off work for thirty days prior to making a claim. You're comfortable keeping that waiting period as it is? Beautiful.\n\nExcellent. And a five year benefit period. So you can be on a claim for up to five years. Generally, as much as claims can be 90% done in that two year period, having a five year benefit period does also keep the risk of you being on a partial claim, so maybe going back to work a couple of days a week and also receiving some money from the claim. So having a five year benefit isn't a bad thing at all for your agent's age.\n\nAre you comfortable keeping that five year benefit period there? Yes. Beautiful. Fantastic. Do you have any questions in relation to the insurance side of things at all or anything that was going through?\n\nNo? Beautiful. Excellent. So having a look at the rest of your details here, I can see, sorry, that you've got two dependents or two young kids? Fantastic.\n\nHaving a look, and then I've also got it down here that you're single. Is that right? Yep. Beautiful. So with your life insurance, just wanna double check that with your life and your super that the beneficiaries are also noted correctly.\n\nSo if in the event of passing, where is it that you would like that benefit to be paid to? Yep. So I do have your beneficiary on your super as being Caitlin. Now that's your ex partner. Is that right?\n\nYes. Are you wanting to have that updated so it is directed through to your children, or are you happy with her being yep. That's okay. Am I able to grab the details of each of your kids? And I can have my team pre fill that beneficiary nomination for you.\n\nIs that okay? Fantastic. L I a m? Perfect. Okay.\n\nBeautiful. Got that here. So Liam and Evelyn. Excellent. And I'll describe this so I am confirming their date of birth for each of the kids as well.\n\nSorry to put you on the spot. Yep. Yep. Beautiful. And who was born in 2020?\n\nEvelyn. Beautiful. And so Lane was 2018. Not a problem at all. I'll have the team pop those up there for you.\n\nWe'll get them resent through so we yeah. Can you hear me alright? Jason, can you hear me? Hello? Can you yeah.\n\nHave you got me there, Jason? Yeah. All good? Perfect. That's okay.\n\nPerfect. We'll have those beneficiary nominations prefilled and sent to you. Did you want post or email or both? What's preferred for yourself? Email is fine.\n\nBeautiful. Not a problem at all. Fantastic. Thank you for that. Now the only other thing that sort of goes to with insurance is the fact that you do have kids.\n\nSo there are other types of cover you can have. Not everybody wants them. Covers like trauma, which is paid out of your back pocket, covers you with a lump sum tax free benefit in the event of a major diagnosis, or you can even get child trauma, which, you know, pays out a lump sum tax free benefit in the event of your children being diagnosed with a, you know, a major diagnosis. Cancer's probably the biggest one that we can kind of relate it to, but there are a host of different things that you can be covered for. Are you wanting to look at any additional insurances that might you provide?\n\nAll good. Beautiful. Lovely. And just having a bit of a look at your goals here as well. So when we kind of touched base last time, you had made mention that you wanna do benefits to be paid out to your kids in the event that anything happens.\n\nSo I'll make sure that this is all updated for you to reflect that. With super, we were sort of working on an age of 60. Are you still working on, hopefully, being able to access super, maybe stop working at 60? Yep. Beautiful.\n\nYou've got here an ideal income of retirement of about 1,500 per week. You do have a lot of time ahead of you, so we can kind of review that when you get to that point to see what kind of income suits you down the track there. All good. You are doing really well. Obviously, taking the money out has kinda had a little bit of a negative impact on it, but given your agent stage, the time you have, and you are now contributing, you are still on track to get that income.\n\nSo moving forward, it's not doing an it's not actually very bad at all. You are getting there. Realistically, when we kinda get to retirement, we kinda wanna have as much money in super as we can absolutely get, and you'll always be able to draw the income down that you're after. It just depends upon how much you end up with your total balance and how you're invested in retirement that provides longevity. So when you get to that point, we'll assess exactly what you wanna earn on a regular basis, on a monthly or fortnightly basis or weekly, look at how long sleep is gonna last, also how you should be invested in those retirement years.\n\nThat way, you are still invested, still having money growing, and hopefully drawing some income to help pay those income payments down. Does that make sense? Yeah. So there's a lot a lot a lot of different factors that play into it. However, with the amount of growth where you are kinda tracking at the moment and the time you have, you are fairly well on track at the moment.\n\nSo there's nothing major that I would change at this particular point in time. It's just about tracking, and we'll do a bit of a catch up in three months with you there as well. Okay? Excellent. I had other goals noted here.\n\nSo you also wanted to possibly purchase a home on the Sunshine Coast. Is that something you're still looking to do down the track? Yep. Yep. Perfect.\n\nIn Brisbane. Lovely. And then I've also got down here other goals are trying to build your business and bring in more income. That sounds like it's been growing quite nicely. How's all that tracking for you?\n\nYep. Beautiful. And we'll continue with that goal moving forward. Fantastic. What else do we have here?\n\nI also had it down that you're wanting to your super to be growing and wanting to have the team who will keep you updated in the event of market crashes. Well, that's absolutely fine. Beautiful. Is there any other goals or anything else that, you know, comes to mind that might be important for you over the next twelve months, five years, ten years? Alright.\n\nFantastic. The last thing to do is just to update all of your assets and liabilities I have here. Now you may mention you are renting. How much rent do you pay at the moment on a weekly or fortnightly basis? $3.75 per week.\n\nFantastic. I had down here that you did also have a personal loan with about $27,008.81 owing. Do you still have that one? Yep. That's okay.\n\nYeah. You're right. Yeah. Beautiful. We'll note that down there for you.\n\nYep. Perfect. $9,100. Excellent. And then I also have here that you had about 20,000 cash in the bank.\n\nDo you still have that buffer in savings? That's okay. And then I also had down here there was a credit card. It looks like the limit is about 12,000. Do you still have the credit card with that limit?\n\nOr Completely gone. Beautiful. Excellent. And then the only other asset I had noted was a motor vehicle with an asset value of 50,000 and debt free. Is that right?\n\nBeautiful. Yep. Yeah. Not a problem at all. And what sort of car is it?\n\nOh, fantastic. C 200. Excellent. Beautiful. Is there any other assets, any, you know, other savings or collections or anything else of value investments you might have?\n\nNo? No. That's okay. And then I've got down here that you don't have or did not have a will last year. Have you sort of looked at doing up a will or have one done in the last 12?\n\nNo? Something on the list to do? Yep. That's okay. If you would like, just as a bit of a starting point, it's by no means obligation, or we can always send you just an email with some information on a local source that we can refer you through to.\n\nIt gives you a bit of an idea of how much they charge to have a will and power of attorney done up just so you can have a bit of a browse and to think about that. Did you want me to send that email through to you? Yeah. Fantastic. Sometimes it's just good to start to get get the conversation started or in your case to sort of get the the thought process moving a little bit, have a think about how much it might cost, and when and if this might be, you know, preferable to do for yourself.\n\nYou've got your super and your life insurance with your beneficiaries there, but everything else you've worked so hard for outside of those things. You know, in the event of passing, you wanna have, you know, pulled together and passed to the person that, you know, you want them to go to and distributed as per your wishes. Yeah. Beautiful. That's basically everything there.\n\nI've just sort of gone through and had a really good look. It looks to me like that high growth environment for your risk profile is still appropriate. Did you wanna review that at the moment, or you still feel happy remaining in that high growth environment? Yep. Yep.\n\nBeautiful. And do you have any questions or anything else that you might want me to look at for you or rundown or yep. Beautiful. Easy. Well, what I'll do is we'll get that updated and your review documents out to you.\n\nI'll do offer transaction without advice for the reduction of your the reduction of your income protection cover. We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action. My team will also send through the solicitor's information there for you. And if you find you have any questions at any point, let me know, but we'll definitely do a catch up in three months there for you as well. Does that sound okay?\n\nHave I missed anything? Lovely. Oh, and so the beneficiaries, we'll make sure we get those actioned for you and sent out and completed. Okay. Easy.\n\nLooking nice, easy one today for you. Once those documents all come through with the annual review, have a look through them. I've also got all the ones I went through attached to you. Just look at the financial services guide in there for you, which outlines everything about who I am and OCF Financial are. And if you are happy to stay on board for the next twelve months, we'll just get you to sign the ongoing service agreement and run that back to us.\n\nIt does outline your ongoing service fee at 1.65% per annum, which is calculated and deducted in smaller monthly income is from your super fast services there. But do you have any questions about how the fee works or anything related to that? Oh, beautiful. Well, thank you so much for your time today, Jason. It's been a real pleasure.\n\nI hope you have a wonderful afternoon. No worries. I'll talk to you soon. I'll get all those actioned for you. Thanks so much.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jason.","start":1.68,"end":2.32,"sentiment":"neutral","sentiment_score":0.16399157792329788},{"text":"It's Dana from Mercy Financial.","start":2.32,"end":3.78,"sentiment":"neutral","sentiment_score":0.21200962066650392},{"text":"How are you this morning?","start":3.84,"end":4.98,"sentiment":"neutral","sentiment_score":0.2777227103710175},{"text":"I'm very well.","start":6.8799996,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6154594421386719},{"text":"Thank you.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.6912424266338348}],"sentiment":"positive","sentiment_score":0.3532651759245816,"num_words":17,"start":1.68,"end":8.16},{"sentences":[{"text":"Thanks for asking.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.6451799869537354},{"text":"I had you booked in this morning to go through an annual review there with you.","start":8.96,"end":11.92,"sentiment":"neutral","sentiment_score":0.24975722935050726},{"text":"Is now still a good time?","start":11.92,"end":13.299999,"sentiment":"neutral","sentiment_score":0.19189412395159403},{"text":"Fantastic.","start":15.295,"end":15.795,"sentiment":"positive","sentiment_score":0.561488151550293},{"text":"Jason, we do also send through some annual review documents to you.","start":16.575,"end":19.695,"sentiment":"neutral","sentiment_score":0.22229879721999168}],"sentiment":"neutral","sentiment_score":0.27137089716760737,"num_words":38,"start":8.16,"end":19.695},{"sentences":[{"text":"Are you able to receive that via your email at the moment?","start":19.695,"end":22.915,"sentiment":"neutral","sentiment_score":0.14746927842497826},{"text":"Fantastic.","start":25.535,"end":26.035,"sentiment":"positive","sentiment_score":0.4798927903175354},{"text":"Yeah.","start":27.609999,"end":27.93,"sentiment":"neutral","sentiment_score":0.15690286457538605},{"text":"You're right.","start":27.93,"end":28.41,"sentiment":"neutral","sentiment_score":0.19906055182218552},{"text":"Not a problem at all.","start":28.41,"end":29.369999,"sentiment":"neutral","sentiment_score":0.2770162343978882}],"sentiment":"neutral","sentiment_score":0.19950615579173678,"num_words":21,"start":19.695,"end":29.369999},{"sentences":[{"text":"I'll just just send on that one there for you.","start":29.369999,"end":31.71,"sentiment":"neutral","sentiment_score":0.26602829843759535},{"text":"You're right.","start":33.37,"end":34.19,"sentiment":"neutral","sentiment_score":0.1273254081606865},{"text":"I have.","start":47.785,"end":48.344997,"sentiment":"neutral","sentiment_score":0.021213756874203682},{"text":"Yes.","start":48.344997,"end":48.585,"sentiment":"neutral","sentiment_score":0.03287824988365173},{"text":"You can hear me okay?","start":48.585,"end":49.725,"sentiment":"neutral","sentiment_score":0.010098588280379772}],"sentiment":"neutral","sentiment_score":0.15203662528656423,"num_words":20,"start":29.369999,"end":49.725},{"sentences":[{"text":"Yep.","start":53.96,"end":54.359997,"sentiment":"neutral","sentiment_score":0.008860090747475624},{"text":"Jason, can you hear me?","start":54.359997,"end":55.48,"sentiment":"neutral","sentiment_score":-0.0009293626993894577},{"text":"I can hear you perfectly fine.","start":55.48,"end":57.18,"sentiment":"neutral","sentiment_score":0.018718099532028038},{"text":"Yep.","start":63.975002,"end":64.295,"sentiment":"neutral","sentiment_score":0.003643712727352977},{"text":"I can still hear you perfectly fine.","start":64.295,"end":65.975,"sentiment":"neutral","sentiment_score":0.03219872659870556}],"sentiment":"neutral","sentiment_score":0.017277833668049424,"num_words":20,"start":53.96,"end":65.975},{"sentences":[{"text":"Have you got me at all?","start":65.975,"end":67.275,"sentiment":"neutral","sentiment_score":0.06472674446801345},{"text":"Yeah.","start":67.815,"end":68.315,"sentiment":"neutral","sentiment_score":0.10400237143039703},{"text":"All good.","start":68.695,"end":69.435,"sentiment":"neutral","sentiment_score":0.22326359152793884},{"text":"Fantastic.","start":70.135,"end":70.635,"sentiment":"positive","sentiment_score":0.4762399196624756},{"text":"Jason, before we jump into the call and go through your annual review, I do need to let you know our calls are recorded for training and quality purposes.","start":71.335,"end":77.655,"sentiment":"neutral","sentiment_score":0.14534056006834425}],"sentiment":"neutral","sentiment_score":0.14435913289586702,"num_words":39,"start":65.975,"end":77.655},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":77.655,"end":79.65,"sentiment":"neutral","sentiment_score":0.18145720660686493},{"text":"Fan fantastic.","start":80.99,"end":82.61,"sentiment":"positive","sentiment_score":0.33787961304187775},{"text":"And, also, just to do security today with you as well, we are discussing your personal information.","start":82.83,"end":86.67,"sentiment":"neutral","sentiment_score":0.1955256742589614},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":86.67,"end":90.69,"sentiment":"neutral","sentiment_score":0.15453440447648367},{"text":"Yep.","start":100.615,"end":101.015,"sentiment":"neutral","sentiment_score":0.13921266794204712}],"sentiment":"neutral","sentiment_score":0.18034491419792176,"num_words":50,"start":77.655,"end":101.015},{"sentences":[{"text":"Fantastic.","start":101.015,"end":101.515,"sentiment":"positive","sentiment_score":0.409342348575592},{"text":"Thank you so much for that.","start":101.895004,"end":103.56,"sentiment":"positive","sentiment_score":0.48745356500148773},{"text":"I have sent you any of your documents through to you there.","start":103.799995,"end":106.7,"sentiment":"neutral","sentiment_score":0.22233067825436592},{"text":"Essentially, the documents that we are looking at today are just as an attachment.","start":107.24,"end":110.86,"sentiment":"neutral","sentiment_score":0.05587626541299479},{"text":"I know in previous years, we used DocuSign.","start":110.92,"end":112.939995,"sentiment":"neutral","sentiment_score":0.05161712737753987}],"sentiment":"neutral","sentiment_score":0.175542356400955,"num_words":41,"start":101.015,"end":112.939995},{"sentences":[{"text":"We're using a new system now called Odoo.","start":113.079994,"end":115.42,"sentiment":"neutral","sentiment_score":0.09705027099698782},{"text":"So those should all be as attachments.","start":116.645004,"end":119.305,"sentiment":"neutral","sentiment_score":0.06203067266116184},{"text":"So when you open the email, you have a button that says sign.","start":119.365005,"end":122.245,"sentiment":"neutral","sentiment_score":-0.0006963743899877255},{"text":"But if you scroll down, you should see those individual attachments there.","start":122.245,"end":125.865005,"sentiment":"neutral","sentiment_score":-0.004327446726771693},{"text":"If you can't, let me know.","start":126.245,"end":127.62,"sentiment":"neutral","sentiment_score":-0.05430066647628943}],"sentiment":"neutral","sentiment_score":0.017909361955547785,"num_words":46,"start":113.079994,"end":127.62},{"sentences":[{"text":"I have a jasonoreagan1992@yahoo.com.","start":129.62,"end":133.8,"sentiment":"neutral","sentiment_score":-0.02475488418713212},{"text":"Okay.","start":137.22,"end":137.62,"sentiment":"neutral","sentiment_score":-0.08122055232524872},{"text":"No.","start":137.62,"end":137.86,"sentiment":"neutral","sentiment_score":-0.1634601652622223},{"text":"That's alright.","start":137.86,"end":138.66,"sentiment":"neutral","sentiment_score":-0.1032034382224083},{"text":"If you send me the email, I can't alter where that's being sent through to.","start":138.66,"end":143.36499,"sentiment":"neutral","sentiment_score":-0.06918446471293767}],"sentiment":"neutral","sentiment_score":-0.06903800441195136,"num_words":23,"start":129.62,"end":143.36499},{"sentences":[{"text":"But if you can send me the email after the call, if you're okay, I can draft up another one and resend it to you.","start":143.36499,"end":148.56499,"sentiment":"neutral","sentiment_score":0.003980233892798423},{"text":"Would that be okay?","start":148.56499,"end":149.625,"sentiment":"neutral","sentiment_score":0.024758610874414444},{"text":"Yeah.","start":152.00499,"end":152.245,"sentiment":"neutral","sentiment_score":0.2208573222160339},{"text":"That'd be great.","start":152.245,"end":153.045,"sentiment":"positive","sentiment_score":0.6085320115089417},{"text":"Thank you.","start":153.045,"end":153.78499,"sentiment":"positive","sentiment_score":0.636726975440979}],"sentiment":"neutral","sentiment_score":0.10052707424121243,"num_words":35,"start":143.36499,"end":153.78499},{"sentences":[{"text":"Yep.","start":156.2,"end":156.7,"sentiment":"neutral","sentiment_score":0.04685116931796074},{"text":"Yep.","start":160.6,"end":161.1,"sentiment":"neutral","sentiment_score":0.03123657777905464},{"text":"At Gmail dot com.","start":163.16,"end":164.86,"sentiment":"neutral","sentiment_score":0.0206936146132648},{"text":"Not a worry.","start":165.32,"end":165.96,"sentiment":"neutral","sentiment_score":0.1156318262219429},{"text":"I'll just read I found that with you.","start":165.96,"end":167.72,"sentiment":"neutral","sentiment_score":0.1272315476089716}],"sentiment":"neutral","sentiment_score":0.08974176853456918,"num_words":17,"start":156.2,"end":167.72},{"sentences":[{"text":"It's a Jason.O'Regan01@gmail.com.","start":167.72,"end":171.845,"sentiment":"neutral","sentiment_score":0.07362422222892444},{"text":"Fantastic.","start":173.505,"end":174.005,"sentiment":"positive","sentiment_score":0.5958384275436401},{"text":"After the call, I'll regenerate a new a new review email through to you, and it will send it through to your new one.","start":174.145,"end":179.825,"sentiment":"neutral","sentiment_score":0.2754219143340985},{"text":"So my colleague my admin team is just letting me know they're gonna do that now for you.","start":179.825,"end":183.66501,"sentiment":"neutral","sentiment_score":0.2780640845497449},{"text":"So once they've got that regenerated, they'll send it through to you so it puts you in your email.","start":183.66501,"end":188.8,"sentiment":"neutral","sentiment_score":0.1865023672580719}],"sentiment":"neutral","sentiment_score":0.24577746981611617,"num_words":65,"start":167.72,"end":188.8},{"sentences":[{"text":"But in the meantime, we can run through and go through and give you an update on everything else.","start":188.8,"end":193.2,"sentiment":"neutral","sentiment_score":0.19725122420411362},{"text":"Okay?","start":193.2,"end":193.7,"sentiment":"neutral","sentiment_score":0.10373961925506592},{"text":"Fantastic.","start":195.6,"end":196.1,"sentiment":"positive","sentiment_score":0.4590594172477722},{"text":"So just having a bit of a look back.","start":196.955,"end":198.555,"sentiment":"neutral","sentiment_score":0.08956665462917751},{"text":"Now I can see previous, previously, you have withdrawn a bit of money.","start":198.555,"end":202.155,"sentiment":"neutral","sentiment_score":-0.028308752422722485}],"sentiment":"neutral","sentiment_score":0.11043391643135353,"num_words":43,"start":188.8,"end":202.155},{"sentences":[{"text":"I had a bit of a compassionate grounds claim there.","start":202.155,"end":204.395,"sentiment":"neutral","sentiment_score":-0.02992840055376291},{"text":"You had your teeth done.","start":204.395,"end":205.775,"sentiment":"neutral","sentiment_score":0.02838406302034855},{"text":"That was round about just, sorry, February last year.","start":206.315,"end":209.595,"sentiment":"neutral","sentiment_score":0.017851392635040812},{"text":"How's everything been going with your teeth since having it all done?","start":209.595,"end":212.655,"sentiment":"neutral","sentiment_score":0.11590849608182907},{"text":"Yep.","start":214.39,"end":214.89,"sentiment":"neutral","sentiment_score":0.053628019988536835}],"sentiment":"neutral","sentiment_score":0.0391305085472964,"num_words":37,"start":202.155,"end":214.89},{"sentences":[{"text":"Yep.","start":218.39,"end":218.89,"sentiment":"positive","sentiment_score":0.49526137113571167},{"text":"Nice.","start":222.54999,"end":223.04999,"sentiment":"positive","sentiment_score":0.6914176940917969},{"text":"Nice.","start":223.10999,"end":223.51,"sentiment":"positive","sentiment_score":0.536952018737793},{"text":"What did you actually have done?","start":223.51,"end":225.12999,"sentiment":"neutral","sentiment_score":0.1431414633989334},{"text":"Wow.","start":232.395,"end":232.895,"sentiment":"neutral","sentiment_score":0.07419139891862869}],"sentiment":"neutral","sentiment_score":0.2656671263277531,"num_words":10,"start":218.39,"end":232.895},{"sentences":[{"text":"Yep.","start":237.195,"end":237.695,"sentiment":"neutral","sentiment_score":0.049449048936367035},{"text":"Well, someone told me the other day that with this with those implants, it takes about six months for them to all be put in correctly.","start":240.41,"end":248.01001,"sentiment":"neutral","sentiment_score":-0.00605115806683898},{"text":"Is that right?","start":248.01001,"end":248.57,"sentiment":"neutral","sentiment_score":0.0061993639295299845},{"text":"They give you some plastic teeth to begin with?","start":248.57,"end":250.99,"sentiment":"neutral","sentiment_score":0.0021846831465760865},{"text":"Wow.","start":251.29001,"end":251.79001,"sentiment":"neutral","sentiment_score":-0.0007735816761851311}],"sentiment":"neutral","sentiment_score":-0.001759860059246421,"num_words":40,"start":237.195,"end":251.79001},{"sentences":[{"text":"Yeah.","start":257.925,"end":258.425,"sentiment":"neutral","sentiment_score":-0.0016939109191298485},{"text":"Yes.","start":261.685,"end":262.185,"sentiment":"neutral","sentiment_score":0.012242292053997517},{"text":"Yep.","start":265.78,"end":266.28,"sentiment":"neutral","sentiment_score":0.021802380681037903},{"text":"Wow.","start":267.38,"end":267.88,"sentiment":"neutral","sentiment_score":0.026466920971870422},{"text":"That's insane.","start":270.58,"end":271.56,"sentiment":"neutral","sentiment_score":0.15049517154693604}],"sentiment":"neutral","sentiment_score":0.05996800431360801,"num_words":6,"start":257.925,"end":271.56},{"sentences":[{"text":"Yeah.","start":272.25998,"end":272.66,"sentiment":"neutral","sentiment_score":0.1454358547925949},{"text":"Wow.","start":272.66,"end":272.9,"sentiment":"neutral","sentiment_score":0.21246111392974856},{"text":"Well, I'm glad everything's working well for you now.","start":272.9,"end":275.4,"sentiment":"positive","sentiment_score":0.5507037109798856},{"text":"You're not having any additional problems or anything with the new teeth.","start":275.69998,"end":278.82,"sentiment":"neutral","sentiment_score":0.22657993187506995},{"text":"They're all working the way they're supposed to.","start":278.82,"end":280.955,"sentiment":"neutral","sentiment_score":0.06157125532627106}],"sentiment":"neutral","sentiment_score":0.27502450298878456,"num_words":31,"start":272.25998,"end":280.955},{"sentences":[{"text":"Yeah.","start":281.175,"end":281.675,"sentiment":"neutral","sentiment_score":0.07719627022743225},{"text":"Oh, fantastic.","start":285.57498,"end":286.235,"sentiment":"positive","sentiment_score":0.517335906624794},{"text":"Everyone tells me once you get the full implants in there, you can basically bite into concrete and not have any problem.","start":286.375,"end":291.995,"sentiment":"positive","sentiment_score":0.4144657321951606},{"text":"Wow.","start":295.45,"end":295.93,"sentiment":"neutral","sentiment_score":0.026811525225639343},{"text":"That's just and can you feel any of it?","start":295.93,"end":297.85,"sentiment":"neutral","sentiment_score":0.007089313119649887}],"sentiment":"neutral","sentiment_score":0.2948779867163726,"num_words":35,"start":281.175,"end":297.85},{"sentences":[{"text":"Like, do you notice it's there, or is it just sort of that you know?","start":297.85,"end":300.91,"sentiment":"neutral","sentiment_score":-0.00864877322067817},{"text":"Okay.","start":303.93,"end":304.43,"sentiment":"neutral","sentiment_score":-0.07385311275720596},{"text":"Yeah.","start":305.13,"end":305.63,"sentiment":"neutral","sentiment_score":-0.05278627574443817},{"text":"Okay.","start":309.785,"end":310.285,"sentiment":"neutral","sentiment_score":-0.062179118394851685},{"text":"Yeah.","start":314.66498,"end":315.16498,"sentiment":"neutral","sentiment_score":-0.0475945807993412}],"sentiment":"neutral","sentiment_score":-0.019270772947684714,"num_words":19,"start":297.85,"end":315.16498},{"sentences":[{"text":"Wow.","start":315.22498,"end":315.72498,"sentiment":"neutral","sentiment_score":-0.06869988143444061},{"text":"Yeah.","start":317.38498,"end":317.88498,"sentiment":"neutral","sentiment_score":-0.0595497190952301},{"text":"Absolutely.","start":322.12,"end":322.62,"sentiment":"positive","sentiment_score":0.6538387537002563},{"text":"I do love that kind of feedback because we do get a lot of people with Compassionate Ground claims and then whatnot.","start":323.0,"end":327.56,"sentiment":"positive","sentiment_score":0.5350461344827305},{"text":"And, yeah, one lady the other day made mention to me.","start":327.56,"end":329.72,"sentiment":"neutral","sentiment_score":0.03072005408731374}],"sentiment":"positive","sentiment_score":0.35095901963197523,"num_words":36,"start":315.22498,"end":329.72},{"sentences":[{"text":"She says, I didn't know this was the process, and she was struggling with it.","start":329.72,"end":332.92,"sentiment":"neutral","sentiment_score":-0.08662317655980586},{"text":"And I was like, that's really interesting to know because I didn't know that was the process either.","start":332.92,"end":337.235,"sentiment":"neutral","sentiment_score":0.0335481780477696},{"text":"And I thought that's kind of handy to have feedback as to when people are going through those dentistry procedures and things.","start":337.235,"end":343.63498,"sentiment":"neutral","sentiment_score":0.10770717093890364},{"text":"But I was, yeah, really curious to see how yours have gone for you and, you know, glad it all went well.","start":343.63498,"end":348.29498,"sentiment":"neutral","sentiment_score":0.24421255900101227},{"text":"Yeah.","start":348.435,"end":348.935,"sentiment":"neutral","sentiment_score":0.15457464754581451}],"sentiment":"neutral","sentiment_score":0.09232472131649654,"num_words":78,"start":329.72,"end":348.935},{"sentences":[{"text":"Yeah.","start":356.5,"end":357.0,"sentiment":"neutral","sentiment_score":0.08686362206935883},{"text":"Yep.","start":358.1,"end":358.5,"sentiment":"neutral","sentiment_score":0.10414459556341173},{"text":"Yep.","start":358.5,"end":359.0,"sentiment":"neutral","sentiment_score":0.16634681820869446},{"text":"Oh, fantastic.","start":362.58502,"end":363.725,"sentiment":"positive","sentiment_score":0.6460489928722382},{"text":"Well, that is really, really good to hear.","start":363.86502,"end":365.46503,"sentiment":"positive","sentiment_score":0.6263152025640011}],"sentiment":"positive","sentiment_score":0.5123057416998423,"num_words":13,"start":356.5,"end":365.46503},{"sentences":[{"text":"I'm glad it's all going well for you.","start":365.46503,"end":367.545,"sentiment":"positive","sentiment_score":0.698791541159153},{"text":"So having taken that money out of super does mean that your super balance is a bit low than where we would have obviously expected that to be there.","start":367.545,"end":374.28,"sentiment":"neutral","sentiment_score":-0.12499672919511795},{"text":"When we sort of did do your annual review last year, your balance then was about 66,314.","start":374.6,"end":380.36,"sentiment":"neutral","sentiment_score":-0.005270709009731517},{"text":"So your balance now is at 64,217.","start":380.36,"end":384.13998,"sentiment":"neutral","sentiment_score":-0.0024484144523739815},{"text":"I'm acknowledging that it is lower than where it was this time last year, And that's basically because, obviously, the markets have had a bit of an up and down.","start":384.52,"end":392.175,"sentiment":"neutral","sentiment_score":-0.13289086284736792}],"sentiment":"neutral","sentiment_score":-0.023385051177343824,"num_words":91,"start":365.46503,"end":392.175},{"sentences":[{"text":"When I kind of look at how everything was projecting last year from your annual review through to the end of the year, we'd actually seen some really good market ups.","start":392.635,"end":400.77,"sentiment":"neutral","sentiment_score":-0.004947447728726172},{"text":"We had also, unfortunately, know that one of your investments from about early this year onwards started to underperform significantly.","start":401.33,"end":409.03,"sentiment":"neutral","sentiment_score":-0.24306937977671622},{"text":"Now you would have received an email probably about March this year in relation to a a switch we were completing in your investments.","start":409.33,"end":415.88998,"sentiment":"neutral","sentiment_score":-0.06635029482034345},{"text":"Do you remember that coming through at all?","start":415.88998,"end":419.245,"sentiment":"neutral","sentiment_score":-0.015233239158987999},{"text":"Yeah.","start":420.26498,"end":420.585,"sentiment":"neutral","sentiment_score":0.02091296948492527}],"sentiment":"neutral","sentiment_score":-0.07985855350714355,"num_words":84,"start":392.635,"end":420.585},{"sentences":[{"text":"That's okay.","start":420.585,"end":421.305,"sentiment":"neutral","sentiment_score":0.04792782478034496},{"text":"So we were originally had the Bennelong Australian Equities investment in your portfolio.","start":421.305,"end":425.645,"sentiment":"neutral","sentiment_score":0.02806835463986947},{"text":"Now Bennelong was placed in there originally to be more of an actively managed investment.","start":425.705,"end":429.725,"sentiment":"neutral","sentiment_score":0.03328917821248372},{"text":"Bannalong is an active manager, so the investment manager is essentially trying to buy and sell investments and time the market and make sure that they've kinda outperformed against the market as a whole.","start":430.49,"end":440.19,"sentiment":"neutral","sentiment_score":0.1310384696459069},{"text":"Bannalong early this year from about January onwards had some underlying issues with some of their investments, and they weren't able to get out of those investments.","start":440.57,"end":447.905,"sentiment":"neutral","sentiment_score":-0.23682376245657602}],"sentiment":"neutral","sentiment_score":-0.010756611926378785,"num_words":91,"start":420.585,"end":447.905},{"sentences":[{"text":"And it very heavily affected the valuation of the investment itself.","start":447.905,"end":451.285,"sentiment":"negative","sentiment_score":-0.48531233451583167},{"text":"So our investment committee met.","start":452.065,"end":453.925,"sentiment":"neutral","sentiment_score":-0.23065764605998992},{"text":"They decided it was no longer a good investment.","start":454.385,"end":456.725,"sentiment":"negative","sentiment_score":-0.4409950011306339},{"text":"It unfortunately did have an impact where it was down for your portfolio, but when we sort of have a look at how Benelon's tracked ongoing, it's continued to increase and deals in continued to decrease and has been down significantly in everyone's portfolio.","start":456.785,"end":472.45,"sentiment":"negative","sentiment_score":-0.4171885492449457},{"text":"So that record of advice was essentially sent out to you in March where we had removed Ben along from your investment portfolio and replaced that with the a 200.","start":472.67,"end":481.465,"sentiment":"neutral","sentiment_score":-0.06619289157291254}],"sentiment":"neutral","sentiment_score":-0.31113900842540193,"num_words":99,"start":447.905,"end":481.465},{"sentences":[{"text":"So when you do look at your super fund, you'll see you've got the beta shares Australian 200.","start":481.685,"end":486.025,"sentiment":"neutral","sentiment_score":0.10497482783264583},{"text":"That investment is more of a passively managed investment, so it's tracking the top 200 companies on the ASX.","start":486.54,"end":492.08,"sentiment":"neutral","sentiment_score":0.19646898696297094},{"text":"It's actually giving you more diversification, but it's also a cheaper investment to have in there.","start":492.46,"end":497.1,"sentiment":"positive","sentiment_score":0.33574937004595995},{"text":"So that has performed much better than Benelong.","start":497.1,"end":499.91998,"sentiment":"positive","sentiment_score":0.4582509808242321},{"text":"So we had removed that one out of that portfolio, replaced it with the a 200, which since doing that has seen a much bigger increase in your super.","start":500.06,"end":509.575,"sentiment":"neutral","sentiment_score":0.28254336067314806}],"sentiment":"neutral","sentiment_score":0.253935698668162,"num_words":90,"start":481.685,"end":509.575},{"sentences":[{"text":"We've seen it come back a little bit, which is good.","start":509.575,"end":511.915,"sentiment":"positive","sentiment_score":0.4702708125114441},{"text":"When I look at your portfolio as a whole over the last twelve months, you are down by about 0.51%.","start":512.055,"end":518.55,"sentiment":"neutral","sentiment_score":-0.2473712220788002},{"text":"So acknowledging this year has been very volatile, then along had underperformed a bit this year as well, so we've removed that for you.","start":518.55,"end":525.43,"sentiment":"neutral","sentiment_score":-0.3127667599668105},{"text":"And then, obviously, the greater market concern, investors have been a bit nervous in the market with what's been happening between Iran and The US, which which has created greater volatility there as well.","start":525.43,"end":535.755,"sentiment":"negative","sentiment_score":-0.4502626762670629},{"text":"So that's essentially why your super has been negatively impacted this year.","start":535.755,"end":540.175,"sentiment":"negative","sentiment_score":-0.4949792871872584}],"sentiment":"neutral","sentiment_score":-0.28247059586614665,"num_words":101,"start":509.575,"end":540.175},{"sentences":[{"text":"You are down a little bit at the moment.","start":540.81,"end":542.67004,"sentiment":"negative","sentiment_score":-0.3837669822904799},{"text":"When I look at your over the last one month, so since we made that changes from bay from BANALONG to the BetaShares a 200 and since we've sort of had a little bit of stability coming out of what's been going on globally as well, your portfolio is now showing the last one month up by 2.4%.","start":543.13,"end":561.165,"sentiment":"neutral","sentiment_score":0.16070373041619515},{"text":"So it is good.","start":561.165,"end":561.96497,"sentiment":"positive","sentiment_score":0.6723749488592148},{"text":"You are seeing that recovery point.","start":561.96497,"end":564.14496,"sentiment":"positive","sentiment_score":0.6310007870197296},{"text":"We just need to sort of watch to make sure it continues to recover.","start":564.285,"end":567.565,"sentiment":"neutral","sentiment_score":0.20973834874374525}],"sentiment":"neutral","sentiment_score":0.1678984057526667,"num_words":91,"start":540.81,"end":567.565},{"sentences":[{"text":"Does that make sense?","start":567.565,"end":568.705,"sentiment":"neutral","sentiment_score":0.13480401039123535},{"text":"Yeah.","start":570.38,"end":570.7,"sentiment":"neutral","sentiment_score":0.21661365032196045},{"text":"Beautiful.","start":570.7,"end":571.18,"sentiment":"positive","sentiment_score":0.496597558259964},{"text":"I never wanna hide the fact that markets don't always perform great.","start":571.18,"end":574.45996,"sentiment":"neutral","sentiment_score":0.10377189951638381},{"text":"Some investments also underperform, but I wanted to make sure that I've done that, had a look around, looked at where things are going.","start":574.45996,"end":580.56,"sentiment":"neutral","sentiment_score":0.051765367311115064}],"sentiment":"neutral","sentiment_score":0.08904902047167222,"num_words":42,"start":567.565,"end":580.56},{"sentences":[{"text":"It does look like we are tracking on the right way again.","start":581.1,"end":583.755,"sentiment":"neutral","sentiment_score":0.19013281911611557},{"text":"I would just wanna sort of keep things the way they are for the moment, just continue as to make sure that they are tracking well, and then we can maybe touch base in another few months and see how it's all tracking and whether any additional changes need to be made.","start":583.755,"end":596.155,"sentiment":"neutral","sentiment_score":0.09555981906417471},{"text":"Does that sound okay with you?","start":596.155,"end":597.59503,"sentiment":"neutral","sentiment_score":0.0853490059574445},{"text":"Do you have any questions?","start":597.59503,"end":598.735,"sentiment":"neutral","sentiment_score":-0.010909333266317845},{"text":"Yep.","start":599.07,"end":599.57,"sentiment":"neutral","sentiment_score":0.010240519419312475}],"sentiment":"neutral","sentiment_score":0.10155910933635344,"num_words":76,"start":581.1,"end":599.57},{"sentences":[{"text":"Fantastic.","start":601.47003,"end":601.97003,"sentiment":"neutral","sentiment_score":0.2037109136581421},{"text":"It's been a bit of a rocky year out there at the moment with what's being happening globally.","start":602.59,"end":606.85004,"sentiment":"neutral","sentiment_score":-0.2572271281646358},{"text":"Insane that there are there is a little bit of, the concern seems to have died off a little bit with regards to the market, so I think investors are just a bit over what's happening in The US and around there.","start":608.03,"end":618.93506,"sentiment":"neutral","sentiment_score":-0.16932103880459354},{"text":"One of the really cool indicators that we tend to utilize or I like to utilize is what's called the VIX index.","start":619.395,"end":624.835,"sentiment":"neutral","sentiment_score":0.04432319062338634},{"text":"I'm not sure if anyone's kind of made mention to this before, but the VIX VIX index essentially tracks market volatility.","start":624.835,"end":631.81995,"sentiment":"neutral","sentiment_score":-0.020837051793932915}],"sentiment":"neutral","sentiment_score":-0.10577239343323387,"num_words":104,"start":601.47003,"end":631.81995},{"sentences":[{"text":"And sort of when you look at it, if that's over 20%, then it's sort of saying that over the next thirty days, we're expecting big ups and downs.","start":632.27997,"end":639.72,"sentiment":"neutral","sentiment_score":-0.0755517518083597},{"text":"So we're expecting a lot more volatility in the market.","start":639.72,"end":642.05505,"sentiment":"neutral","sentiment_score":-0.210757764428854},{"text":"Whereas if it's under 20%, it sort of shows that over the next thirty days, we are expecting a we're expecting a little bit of stability there.","start":642.05505,"end":649.435,"sentiment":"neutral","sentiment_score":0.18485673323825555},{"text":"And as of the last close in The US, the VIX index was sitting at about 17.68%.","start":649.895,"end":655.57,"sentiment":"neutral","sentiment_score":0.2110938771682627},{"text":"So it's under that 20% marker.","start":655.57,"end":657.67,"sentiment":"neutral","sentiment_score":0.29013702521721524}],"sentiment":"neutral","sentiment_score":0.06766260015579421,"num_words":89,"start":632.27997,"end":657.67},{"sentences":[{"text":"So it is sort of showing that we are expecting a little bit of a a steadier kind of period, which is good.","start":657.97,"end":663.73,"sentiment":"positive","sentiment_score":0.46151897052060004},{"text":"That's what we kind of wanna have after all the ups and downs we've felt over the past few months.","start":663.73,"end":668.31,"sentiment":"neutral","sentiment_score":0.06936966646462679},{"text":"But it's also about just making sure these investments are working harder for you as well.","start":669.125,"end":673.205,"sentiment":"neutral","sentiment_score":0.17743974877521396},{"text":"So if you're really comfortable with that, we can sort of touch base next three or even six months depending on what you're comfortable with.","start":673.205,"end":680.485,"sentiment":"neutral","sentiment_score":0.14611427396535873},{"text":"Have a look and see how everything has been tracking in that time frame, and then look at whether we need do need to make any additional changes to your portfolio.","start":680.485,"end":688.48004,"sentiment":"neutral","sentiment_score":0.0866991059193688}],"sentiment":"neutral","sentiment_score":0.1841903892548188,"num_words":115,"start":657.97,"end":688.48004},{"sentences":[{"text":"Does that sound okay?","start":688.62,"end":689.76,"sentiment":"neutral","sentiment_score":0.11648882739245892},{"text":"Yep.","start":691.9,"end":692.4,"sentiment":"neutral","sentiment_score":0.24006423354148865},{"text":"Beautiful.","start":692.54004,"end":693.04004,"sentiment":"positive","sentiment_score":0.4734434187412262},{"text":"Beautiful.","start":693.26,"end":693.74,"sentiment":"positive","sentiment_score":0.4379674792289734},{"text":"I'm sorry.","start":693.74,"end":694.22003,"sentiment":"neutral","sentiment_score":0.09134073182940483}],"sentiment":"neutral","sentiment_score":0.20001243386003706,"num_words":9,"start":688.62,"end":694.22003},{"sentences":[{"text":"It's been a little bit down this year, but it's really good to see that that 2.4 in the last month is showing a bit of a recovery.","start":694.22003,"end":700.76495,"sentiment":"neutral","sentiment_score":0.08738222186054502},{"text":"So it's that's a good sign.","start":700.985,"end":702.845,"sentiment":"neutral","sentiment_score":0.17806795611977577},{"text":"Yeah.","start":703.305,"end":703.805,"sentiment":"neutral","sentiment_score":0.10780273377895357},{"text":"Absolutely.","start":707.70496,"end":708.20496,"sentiment":"neutral","sentiment_score":0.18826934695243835},{"text":"Well, with your portfolio, you're in that high growth environment at the moment, which generally sort of sees that 90% in those high risk sort of areas like Australian shares, international shares, listed property, and commodities like gold and silver.","start":708.58496,"end":720.73,"sentiment":"neutral","sentiment_score":0.05602001794613898}],"sentiment":"neutral","sentiment_score":0.0796313519393535,"num_words":76,"start":694.22003,"end":720.73},{"sentences":[{"text":"So being in that high growth environment, you are taking a bit more risk to get those greater returns, and the market is doing really well.","start":721.02997,"end":727.52997,"sentiment":"neutral","sentiment_score":0.14869628517100444},{"text":"But we also know there are gonna be down times when the market doesn't perform as well or we see volatility.","start":727.545,"end":732.605,"sentiment":"neutral","sentiment_score":-0.06472760261524291},{"text":"And because you're in that high growth environment, you expect those dips to be just as, you know, big for yourself.","start":733.14496,"end":738.985,"sentiment":"neutral","sentiment_score":-0.019652873809848512},{"text":"You kind of will notice them more as your balance increases there.","start":738.985,"end":742.125,"sentiment":"neutral","sentiment_score":0.052782572184999786},{"text":"The with the high growth portfolio, we generally expect a negative return sort of one in every six years, and this sort of suits someone who has a time horizon of at least eight years before they're wanting to access their success.","start":743.13,"end":755.20996,"sentiment":"neutral","sentiment_score":-0.22582701611376943}],"sentiment":"neutral","sentiment_score":-0.05538713443474692,"num_words":122,"start":721.02997,"end":755.20996},{"sentences":[{"text":"So because of your agent stage, this suits where you're at your time horizon.","start":755.20996,"end":759.505,"sentiment":"neutral","sentiment_score":-0.06602180802396365},{"text":"You're not accessing in the next eight to ten years.","start":759.505,"end":761.585,"sentiment":"neutral","sentiment_score":-0.24201337844133378},{"text":"You've got double, nearly triple that before you're able to access your super at this point.","start":761.585,"end":765.925,"sentiment":"neutral","sentiment_score":-0.11117491777986288},{"text":"So it's about being able to take on a bit more growth there.","start":766.465,"end":769.345,"sentiment":"neutral","sentiment_score":0.1620325848746758},{"text":"And because you did take some money out, that's also had a bit of an effect.","start":769.345,"end":772.865,"sentiment":"neutral","sentiment_score":0.23792348615825176}],"sentiment":"neutral","sentiment_score":0.011448718850379404,"num_words":69,"start":755.20996,"end":772.865},{"sentences":[{"text":"So allowing that to come back, recover, letting these changes take effect, and then kind of adjusting the portfolio as we get closer to retirement could also be, you know, a good advantage.","start":772.865,"end":783.95996,"sentiment":"positive","sentiment_score":0.4421409820065354},{"text":"And you're contributing now as well, which is another really good factor there.","start":783.95996,"end":787.125,"sentiment":"positive","sentiment_score":0.6092457014780778},{"text":"So that money's going in more regularly for you as well.","start":787.125,"end":790.105,"sentiment":"positive","sentiment_score":0.4120212468233975},{"text":"Yeah.","start":790.485,"end":790.985,"sentiment":"neutral","sentiment_score":0.2707584500312805},{"text":"Fantastic.","start":793.045,"end":793.545,"sentiment":"positive","sentiment_score":0.8081420063972473}],"sentiment":"positive","sentiment_score":0.47664374062570475,"num_words":59,"start":772.865,"end":793.545},{"sentences":[{"text":"Fantastic.","start":793.925,"end":794.405,"sentiment":"positive","sentiment_score":0.7588508725166321},{"text":"Now you will have a copy of those reports in there for you.","start":794.405,"end":797.045,"sentiment":"positive","sentiment_score":0.42279096291615414},{"text":"If you find when you are looking at any of that, let me know if you do have any questions.","start":797.045,"end":800.89996,"sentiment":"neutral","sentiment_score":0.2656854711472988},{"text":"Happy to sort of break things down more for you.","start":800.89996,"end":803.24,"sentiment":"positive","sentiment_score":0.5228312999010086},{"text":"But, yeah, look, I'm not sort of worried about your portfolio at the moment.","start":803.94,"end":806.74,"sentiment":"neutral","sentiment_score":0.10984183901122638}],"sentiment":"neutral","sentiment_score":0.3161196820437908,"num_words":58,"start":793.925,"end":806.74},{"sentences":[{"text":"Those changes are coming to effect.","start":806.74,"end":808.26,"sentiment":"neutral","sentiment_score":0.17251109207669893},{"text":"We've removed anything that's underperforming, which is really important.","start":808.26,"end":811.32,"sentiment":"neutral","sentiment_score":0.003167537765370475},{"text":"And because Benelon was underperforming, when we made that change, there was no capital gains consequences for your super, so it actually saved your super on some tax, which is kind of cool as well.","start":812.33997,"end":821.675,"sentiment":"neutral","sentiment_score":0.28439717612096244},{"text":"That's exactly right.","start":823.575,"end":824.955,"sentiment":"positive","sentiment_score":0.41556694110234577},{"text":"But we'll just sort of make a bit of a a catch up.","start":825.415,"end":827.735,"sentiment":"neutral","sentiment_score":0.03482493457312767}],"sentiment":"neutral","sentiment_score":0.19268031105060468,"num_words":66,"start":806.74,"end":827.735},{"sentences":[{"text":"Did you want me to do this in a bit of a catch up with you in three or six months?","start":827.735,"end":831.55,"sentiment":"neutral","sentiment_score":0.018662241243180774},{"text":"What's preferred for you?","start":831.55,"end":832.93,"sentiment":"neutral","sentiment_score":0.03664775611832738},{"text":"Mhmm.","start":835.23,"end":835.73,"sentiment":"neutral","sentiment_score":0.1797707974910736},{"text":"Beautiful.","start":836.26996,"end":836.76996,"sentiment":"neutral","sentiment_score":0.01925675198435783},{"text":"We'll do a bit of a catch up and see how things are tracking, and then we can always reassess and see what maybe needs to change there for you as well.","start":836.99,"end":844.515,"sentiment":"neutral","sentiment_score":0.0391728607355617}],"sentiment":"neutral","sentiment_score":0.03374673192531376,"num_words":59,"start":827.735,"end":844.515},{"sentences":[{"text":"Okay?","start":844.515,"end":845.015,"sentiment":"neutral","sentiment_score":0.08762167394161224},{"text":"That's okay.","start":846.91504,"end":847.73505,"sentiment":"neutral","sentiment_score":0.21679677814245224},{"text":"Now the other thing to have a chat about is the insurances.","start":847.955,"end":850.29504,"sentiment":"neutral","sentiment_score":0.028633806854486465},{"text":"So you do have your ClearView life insurance policy.","start":850.59503,"end":853.79504,"sentiment":"neutral","sentiment_score":0.04074327275156975},{"text":"You do have a current sum insured of 594,671.","start":853.79504,"end":860.3,"sentiment":"neutral","sentiment_score":0.0314670130610466}],"sentiment":"neutral","sentiment_score":0.045900408630118225,"num_words":33,"start":844.515,"end":860.3},{"sentences":[{"text":"So when you think about your life insurance, we hope nothing happens.","start":860.3,"end":864.3,"sentiment":"neutral","sentiment_score":0.015003402717411518},{"text":"But if you were to pass away, what's your goal?","start":864.3,"end":866.7,"sentiment":"neutral","sentiment_score":-0.02214851984754205},{"text":"What is it that you're wanting to have covered with your life insurance?","start":866.7,"end":869.68,"sentiment":"neutral","sentiment_score":0.019494908718535535},{"text":"Yeah.","start":873.195,"end":873.695,"sentiment":"neutral","sentiment_score":0.09007318317890169},{"text":"Beautiful.","start":873.755,"end":874.255,"sentiment":"neutral","sentiment_score":0.2705402970314026}],"sentiment":"neutral","sentiment_score":0.015475754802291459,"num_words":37,"start":860.3,"end":874.255},{"sentences":[{"text":"So are you sort of thinking you wanna because I'm having a look at your assets here.","start":874.555,"end":878.575,"sentiment":"neutral","sentiment_score":0.06377735635375276},{"text":"I don't are you renting where you are?","start":878.715,"end":880.635,"sentiment":"neutral","sentiment_score":-0.05324364872649312},{"text":"You don't have a home loan at the moment.","start":880.635,"end":882.395,"sentiment":"neutral","sentiment_score":-0.08218870643112394},{"text":"Is that right?","start":882.395,"end":883.295,"sentiment":"neutral","sentiment_score":-0.062382457156976066},{"text":"Yeah.","start":884.68,"end":885.0,"sentiment":"neutral","sentiment_score":0.030455611646175385}],"sentiment":"neutral","sentiment_score":-0.006266427618500434,"num_words":38,"start":874.555,"end":885.0},{"sentences":[{"text":"Beautiful.","start":885.0,"end":885.5,"sentiment":"neutral","sentiment_score":0.1199118196964264},{"text":"So, realistically, if you were to pass away and we touch with nothing and don't want anything to happen, that sum insured the $5.94 can be paid out to your beneficiaries there, but then your super balance is paid out on top of that, so giving them an extra 64,217 based on today's balance there.","start":885.64,"end":902.465,"sentiment":"neutral","sentiment_score":0.026507660204713995},{"text":"Do you feel like that's fairly sufficient for the time being?","start":902.68506,"end":905.74506,"sentiment":"neutral","sentiment_score":0.038565906611355866},{"text":"Yep.","start":905.885,"end":906.385,"sentiment":"neutral","sentiment_score":0.07171808928251266},{"text":"Fantastic.","start":908.36505,"end":908.86505,"sentiment":"positive","sentiment_score":0.4457109570503235}],"sentiment":"neutral","sentiment_score":0.03651430652193401,"num_words":69,"start":885.0,"end":908.86505},{"sentences":[{"text":"Now you've also got your TBD cover.","start":909.89996,"end":911.82,"sentiment":"neutral","sentiment_score":0.1164872795343399},{"text":"So total permanent disability is paid out in the event of a total impairment, so essentially permanent incapacity.","start":911.82,"end":919.04,"sentiment":"neutral","sentiment_score":0.048963668652706675},{"text":"And, again, if you do claim on TBD, we can also claim that against your super to have that balance released.","start":919.74,"end":924.815,"sentiment":"neutral","sentiment_score":0.05044540266195933},{"text":"Now I don't know if anyone's kind of brought this up before, but TBD is actually, unfortunately, a taxable payment.","start":924.815,"end":930.415,"sentiment":"neutral","sentiment_score":-0.10691810036078095},{"text":"So if in the event of a TBD claim, if you withdrew the full amount out, they can deduct tax of up to 22%.","start":930.415,"end":938.915,"sentiment":"neutral","sentiment_score":-0.1355117941275239}],"sentiment":"neutral","sentiment_score":-0.029272606865399415,"num_words":90,"start":909.89996,"end":938.915},{"sentences":[{"text":"It's terrible.","start":939.11005,"end":939.91003,"sentiment":"negative","sentiment_score":-0.6250291168689728},{"text":"I don't like that.","start":939.91003,"end":940.87006,"sentiment":"negative","sentiment_score":-0.43710581213235855},{"text":"I think that is horrible.","start":940.87006,"end":942.25,"sentiment":"negative","sentiment_score":-0.6016783714294434},{"text":"Anyone who's currently incapacitated and can't go back to work should not be taxed on that benefit amount.","start":942.87006,"end":947.93005,"sentiment":"neutral","sentiment_score":-0.08362156349337763},{"text":"If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable.","start":948.79004,"end":955.735,"sentiment":"neutral","sentiment_score":0.10279781766235828}],"sentiment":"neutral","sentiment_score":-0.09152066742104513,"num_words":54,"start":939.11005,"end":955.735},{"sentences":[{"text":"There are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well.","start":955.735,"end":970.85004,"sentiment":"positive","sentiment_score":0.35373682583923693},{"text":"But just based on the the current amount you have, the $5.94 $6.07 1, do you feel like that TBD sum insured is comfortable for you, or would you wanna That's okay.","start":971.55005,"end":982.485,"sentiment":"neutral","sentiment_score":0.05683056538691744},{"text":"Beautiful.","start":983.26495,"end":983.76495,"sentiment":"positive","sentiment_score":0.46945297718048096},{"text":"Thank you so much for that.","start":983.82495,"end":985.345,"sentiment":"positive","sentiment_score":0.5654044648011526},{"text":"It's not always great news to give people.","start":985.345,"end":987.185,"sentiment":"neutral","sentiment_score":0.040663414634764194}],"sentiment":"neutral","sentiment_score":0.24858964129470953,"num_words":101,"start":955.735,"end":987.185},{"sentences":[{"text":"I'm not sure if anyone's kind of ever gone through that with you, and I do like to make sure that I'm giving you a bit of information around how these work.","start":987.185,"end":994.32495,"sentiment":"neutral","sentiment_score":0.07157742942217737},{"text":"All good.","start":994.58997,"end":995.25,"sentiment":"neutral","sentiment_score":0.2607429549098015},{"text":"It's a bit of a shock if you ever had the claim and someone, hey.","start":995.63,"end":998.19,"sentiment":"neutral","sentiment_score":-0.2581477185090383},{"text":"By the way, you gotta pay tax on that, and you went, wait.","start":998.19,"end":1000.67,"sentiment":"neutral","sentiment_score":-0.20000420625393206},{"text":"What?","start":1000.67,"end":1001.17,"sentiment":"neutral","sentiment_score":-0.16180893778800964}],"sentiment":"neutral","sentiment_score":-0.060668503895165427,"num_words":63,"start":987.185,"end":1001.17},{"sentences":[{"text":"Absolutely.","start":1003.87,"end":1004.37,"sentiment":"neutral","sentiment_score":-0.08420465141534805},{"text":"Now income wise, I have you earning, as of the last review, about a 120,000.","start":1005.94995,"end":1011.85504,"sentiment":"neutral","sentiment_score":-0.03143091152111689},{"text":"Has that increased or altered since last year?","start":1011.85504,"end":1014.59503,"sentiment":"neutral","sentiment_score":-0.04018634767271578},{"text":"75,000?","start":1017.375,"end":1018.59503,"sentiment":"neutral","sentiment_score":-0.015830673277378082},{"text":"Not a problem at all.","start":1018.815,"end":1020.195,"sentiment":"neutral","sentiment_score":-0.05758609361946583}],"sentiment":"neutral","sentiment_score":-0.039364008232951164,"num_words":30,"start":1003.87,"end":1020.195},{"sentences":[{"text":"So when we look at your income protection policy, income protection can pay up to 70% of your current income.","start":1020.72,"end":1026.8,"sentiment":"neutral","sentiment_score":-0.019842441007494927},{"text":"So based on your current income of, say, 75,000 per annum, having a monthly benefit, your monthly benefit at the moment for what you're insured for is 7,136.","start":1026.8,"end":1037.815,"sentiment":"neutral","sentiment_score":-0.008691999911596733},{"text":"This would have been on your previous income, I'm assuming.","start":1037.815,"end":1040.315,"sentiment":"neutral","sentiment_score":-0.08195393159985542},{"text":"Yeah.","start":1042.695,"end":1042.9349,"sentiment":"neutral","sentiment_score":-0.07641509175300598},{"text":"Did you want me to get a quote?","start":1042.9349,"end":1044.5549,"sentiment":"neutral","sentiment_score":-0.25729907490313053}],"sentiment":"neutral","sentiment_score":-0.053650325741062856,"num_words":67,"start":1020.72,"end":1044.5549},{"sentences":[{"text":"No.","start":1045.9099,"end":1046.15,"sentiment":"neutral","sentiment_score":-0.12446924299001694},{"text":"Absolutely.","start":1046.15,"end":1046.65,"sentiment":"neutral","sentiment_score":-0.05145460367202759},{"text":"Absolutely.","start":1047.11,"end":1047.61,"sentiment":"neutral","sentiment_score":-0.030741672962903976},{"text":"Because, realistically, at 70% of that 75,000, the amount is about 4,375 as a monthly benefit there.","start":1047.99,"end":1057.13,"sentiment":"neutral","sentiment_score":0.014590975335415672},{"text":"Are you expecting any kind of pay increase over the next year at all, like, with regards to your business?","start":1057.6699,"end":1063.5449,"sentiment":"neutral","sentiment_score":-0.09113928060978652}],"sentiment":"neutral","sentiment_score":-0.044535113777965304,"num_words":40,"start":1045.9099,"end":1063.5449},{"sentences":[{"text":"No?","start":1063.9249,"end":1064.4249,"sentiment":"neutral","sentiment_score":-0.18439000844955444},{"text":"No.","start":1065.525,"end":1065.6849,"sentiment":"neutral","sentiment_score":-0.2941972017288208},{"text":"That's okay.","start":1065.6849,"end":1066.4049,"sentiment":"neutral","sentiment_score":-0.20390308648347855},{"text":"And you're comfortable with me looking to reduce that for you?","start":1066.4049,"end":1069.465,"sentiment":"neutral","sentiment_score":-0.10898338732394305},{"text":"Yep.","start":1070.485,"end":1070.985,"sentiment":"neutral","sentiment_score":0.2748623490333557}],"sentiment":"neutral","sentiment_score":-0.11314676841720939,"num_words":16,"start":1063.9249,"end":1070.985},{"sentences":[{"text":"Beautiful.","start":1071.125,"end":1071.605,"sentiment":"positive","sentiment_score":0.5486273169517517},{"text":"Did you want me to maybe send?","start":1071.605,"end":1073.225,"sentiment":"neutral","sentiment_score":0.2488818998847689},{"text":"Yeah.","start":1074.4,"end":1074.8,"sentiment":"neutral","sentiment_score":0.22722351551055908},{"text":"Absolutely.","start":1074.8,"end":1075.3,"sentiment":"neutral","sentiment_score":0.33127111196517944},{"text":"Would you like me to do it so I can do one of two ways for you?","start":1075.92,"end":1079.04,"sentiment":"neutral","sentiment_score":0.2104986441486022}],"sentiment":"neutral","sentiment_score":0.23806563682026333,"num_words":27,"start":1071.125,"end":1079.04},{"sentences":[{"text":"I can just take the direction and do it up as a transaction without advice, where we are just reducing it based on, your your you're just telling me to reduce that, and I can go ahead and get that sorted for you.","start":1079.04,"end":1092.525,"sentiment":"neutral","sentiment_score":0.14705935363159622},{"text":"Or I can do up a record of advice and send it through with the advantages, disadvantages, and the risks involved for you to consider prior to you reducing.","start":1092.905,"end":1101.485,"sentiment":"neutral","sentiment_score":0.032821718250112285},{"text":"What would you Yep.","start":1101.545,"end":1105.87,"sentiment":"neutral","sentiment_score":-0.044343892484903336},{"text":"Beautiful.","start":1105.87,"end":1106.37,"sentiment":"positive","sentiment_score":0.35338395833969116},{"text":"Yep.","start":1107.3099,"end":1107.5499,"sentiment":"neutral","sentiment_score":0.09137117117643356}],"sentiment":"neutral","sentiment_score":0.09670207173062059,"num_words":78,"start":1079.04,"end":1107.5499},{"sentences":[{"text":"That's okay.","start":1107.5499,"end":1108.19,"sentiment":"neutral","sentiment_score":0.17859791219234467},{"text":"Not a problem.","start":1108.19,"end":1108.83,"sentiment":"neutral","sentiment_score":0.2326623499393463},{"text":"So I'll just drop a transaction without advice there for you.","start":1108.83,"end":1111.3099,"sentiment":"neutral","sentiment_score":0.1518132436004552},{"text":"It just just outlines the risks of doing so, outlines what you've told me you wanna do, and then you just sign that, return it back with a letter, and we'll have that actioned for you.","start":1111.3099,"end":1119.965,"sentiment":"neutral","sentiment_score":0.15759217366576195},{"text":"Is that okay?","start":1119.965,"end":1120.7849,"sentiment":"neutral","sentiment_score":0.14181077728668848}],"sentiment":"neutral","sentiment_score":0.1604341661388224,"num_words":55,"start":1107.5499,"end":1120.7849},{"sentences":[{"text":"Easy.","start":1122.605,"end":1123.005,"sentiment":"positive","sentiment_score":0.38068705797195435},{"text":"Not a worry.","start":1123.005,"end":1123.825,"sentiment":"neutral","sentiment_score":0.2137306978305181},{"text":"With the waiting period, you've got a thirty day waiting period, so you just have to be off work for thirty days prior to making a claim.","start":1123.965,"end":1129.4049,"sentiment":"neutral","sentiment_score":0.09119965881109238},{"text":"You're comfortable keeping that waiting period as it is?","start":1129.4049,"end":1131.96,"sentiment":"neutral","sentiment_score":0.11562634425030814},{"text":"Beautiful.","start":1133.0,"end":1133.5,"sentiment":"positive","sentiment_score":0.683558464050293}],"sentiment":"neutral","sentiment_score":0.12703574394307485,"num_words":41,"start":1122.605,"end":1133.5},{"sentences":[{"text":"Excellent.","start":1133.72,"end":1134.2,"sentiment":"positive","sentiment_score":0.6625405550003052},{"text":"And a five year benefit period.","start":1134.2,"end":1135.64,"sentiment":"neutral","sentiment_score":0.3324504295984904},{"text":"So you can be on a claim for up to five years.","start":1135.64,"end":1138.0599,"sentiment":"neutral","sentiment_score":0.28094353651007015},{"text":"Generally, as much as claims can be 90% done in that two year period, having a five year benefit period does also keep the risk of you being on a partial claim, so maybe going back to work a couple of days a week and also receiving some money from the claim.","start":1138.44,"end":1152.065,"sentiment":"neutral","sentiment_score":-0.008656500659596462},{"text":"So having a five year benefit isn't a bad thing at all for your agent's age.","start":1152.065,"end":1156.565,"sentiment":"neutral","sentiment_score":0.2112517706118524}],"sentiment":"neutral","sentiment_score":0.1029707570827898,"num_words":87,"start":1133.72,"end":1156.565},{"sentences":[{"text":"Are you comfortable keeping that five year benefit period there?","start":1156.865,"end":1159.9249,"sentiment":"neutral","sentiment_score":0.06587694771587849},{"text":"Yes.","start":1161.3201,"end":1161.7201,"sentiment":"neutral","sentiment_score":0.2579072415828705},{"text":"Beautiful.","start":1161.7201,"end":1162.2201,"sentiment":"positive","sentiment_score":0.6309903860092163},{"text":"Fantastic.","start":1162.36,"end":1162.86,"sentiment":"positive","sentiment_score":0.6039870381355286},{"text":"Do you have any questions in relation to the insurance side of things at all or anything that was going through?","start":1163.16,"end":1168.04,"sentiment":"neutral","sentiment_score":0.09489881797205835}],"sentiment":"neutral","sentiment_score":0.1218979211852831,"num_words":34,"start":1156.865,"end":1168.04},{"sentences":[{"text":"No?","start":1168.04,"end":1168.54,"sentiment":"neutral","sentiment_score":-0.01577010005712509},{"text":"Beautiful.","start":1168.68,"end":1169.18,"sentiment":"positive","sentiment_score":0.34801238775253296},{"text":"Excellent.","start":1170.04,"end":1170.54,"sentiment":"positive","sentiment_score":0.35080987215042114},{"text":"So having a look at the rest of your details here, I can see, sorry, that you've got two dependents or two young kids?","start":1171.4,"end":1178.8251,"sentiment":"neutral","sentiment_score":0.08190802554599941},{"text":"Fantastic.","start":1181.045,"end":1181.545,"sentiment":"neutral","sentiment_score":0.30919408798217773}],"sentiment":"neutral","sentiment_score":0.10564424503328544,"num_words":28,"start":1168.04,"end":1181.545},{"sentences":[{"text":"Having a look, and then I've also got it down here that you're single.","start":1182.9651,"end":1186.005,"sentiment":"neutral","sentiment_score":0.1303549563246114},{"text":"Is that right?","start":1186.005,"end":1186.8251,"sentiment":"neutral","sentiment_score":0.10245053221782048},{"text":"Yep.","start":1188.1799,"end":1188.5,"sentiment":"neutral","sentiment_score":0.14239299297332764},{"text":"Beautiful.","start":1188.5,"end":1189.0,"sentiment":"neutral","sentiment_score":0.2925144135951996},{"text":"So with your life insurance, just wanna double check that with your life and your super that the beneficiaries are also noted correctly.","start":1189.1399,"end":1195.7999,"sentiment":"neutral","sentiment_score":0.13649205247993054}],"sentiment":"neutral","sentiment_score":0.1358701333048798,"num_words":42,"start":1182.9651,"end":1195.7999},{"sentences":[{"text":"So if in the event of passing, where is it that you would like that benefit to be paid to?","start":1195.86,"end":1201.24,"sentiment":"neutral","sentiment_score":0.04607175197452307},{"text":"Yep.","start":1204.9851,"end":1205.4651,"sentiment":"neutral","sentiment_score":0.08920269459486008},{"text":"So I do have your beneficiary on your super as being Caitlin.","start":1205.4651,"end":1209.305,"sentiment":"neutral","sentiment_score":0.07839469984173775},{"text":"Now that's your ex partner.","start":1209.305,"end":1210.665,"sentiment":"neutral","sentiment_score":0.04747819304466248},{"text":"Is that right?","start":1210.665,"end":1211.5651,"sentiment":"neutral","sentiment_score":0.06505941102902095}],"sentiment":"neutral","sentiment_score":0.05814495928040365,"num_words":41,"start":1195.86,"end":1211.5651},{"sentences":[{"text":"Yes.","start":1213.145,"end":1213.4651,"sentiment":"neutral","sentiment_score":0.04682933911681175},{"text":"Are you wanting to have that updated so it is directed through to your children, or are you happy with her being yep.","start":1213.4651,"end":1220.55,"sentiment":"neutral","sentiment_score":0.05283774119680342},{"text":"That's okay.","start":1220.77,"end":1221.51,"sentiment":"neutral","sentiment_score":0.12827201932668686},{"text":"Am I able to grab the details of each of your kids?","start":1221.9701,"end":1225.17,"sentiment":"neutral","sentiment_score":0.09311057223627965},{"text":"And I can have my team pre fill that beneficiary nomination for you.","start":1225.17,"end":1228.77,"sentiment":"neutral","sentiment_score":0.10934813377948907}],"sentiment":"neutral","sentiment_score":0.07955870649539958,"num_words":51,"start":1213.145,"end":1228.77},{"sentences":[{"text":"Is that okay?","start":1228.77,"end":1229.67,"sentiment":"neutral","sentiment_score":0.09497841199239095},{"text":"Fantastic.","start":1231.785,"end":1232.285,"sentiment":"neutral","sentiment_score":0.28873711824417114},{"text":"L I a m?","start":1235.945,"end":1237.085,"sentiment":"neutral","sentiment_score":0.04894770868122578},{"text":"Perfect.","start":1243.72,"end":1244.22,"sentiment":"neutral","sentiment_score":0.2213599383831024},{"text":"Okay.","start":1246.6,"end":1247.1,"sentiment":"neutral","sentiment_score":0.15120069682598114}],"sentiment":"neutral","sentiment_score":0.11420238241553307,"num_words":10,"start":1228.77,"end":1247.1},{"sentences":[{"text":"Beautiful.","start":1247.96,"end":1248.46,"sentiment":"positive","sentiment_score":0.4518893361091614},{"text":"Got that here.","start":1248.68,"end":1249.24,"sentiment":"neutral","sentiment_score":0.24912452697753906},{"text":"So Liam and Evelyn.","start":1249.24,"end":1250.7,"sentiment":"neutral","sentiment_score":0.17579058557748795},{"text":"Excellent.","start":1250.76,"end":1251.26,"sentiment":"neutral","sentiment_score":0.12518680095672607},{"text":"And I'll describe this so I am confirming their date of birth for each of the kids as well.","start":1252.12,"end":1256.22,"sentiment":"neutral","sentiment_score":0.07461345117343099}],"sentiment":"neutral","sentiment_score":0.12304527259298734,"num_words":28,"start":1247.96,"end":1256.22},{"sentences":[{"text":"Sorry to put you on the spot.","start":1259.5549,"end":1261.335,"sentiment":"neutral","sentiment_score":-0.03280200569757393},{"text":"Yep.","start":1267.715,"end":1268.215,"sentiment":"neutral","sentiment_score":-0.004011308774352074},{"text":"Yep.","start":1277.33,"end":1277.65,"sentiment":"neutral","sentiment_score":0.04149113595485687},{"text":"Beautiful.","start":1277.65,"end":1278.13,"sentiment":"neutral","sentiment_score":0.2111344933509827},{"text":"And who was born in 2020?","start":1278.13,"end":1279.99,"sentiment":"neutral","sentiment_score":0.03651729878038168}],"sentiment":"neutral","sentiment_score":0.014881504583172502,"num_words":16,"start":1259.5549,"end":1279.99},{"sentences":[{"text":"Evelyn.","start":1281.865,"end":1282.365,"sentiment":"neutral","sentiment_score":0.05872000753879547},{"text":"Beautiful.","start":1282.4249,"end":1282.9249,"sentiment":"neutral","sentiment_score":0.32849258184432983},{"text":"And so Lane was 2018.","start":1283.145,"end":1284.985,"sentiment":"neutral","sentiment_score":0.04774923324584961},{"text":"Not a problem at all.","start":1284.985,"end":1285.865,"sentiment":"neutral","sentiment_score":0.13742004930973054},{"text":"I'll have the team pop those up there for you.","start":1285.865,"end":1288.285,"sentiment":"neutral","sentiment_score":0.21743335127830504}],"sentiment":"neutral","sentiment_score":0.15851784158836713,"num_words":22,"start":1281.865,"end":1288.285},{"sentences":[{"text":"We'll get them resent through so we yeah.","start":1288.505,"end":1290.665,"sentiment":"neutral","sentiment_score":0.02445003588218242},{"text":"Can you hear me alright?","start":1290.665,"end":1291.8049,"sentiment":"neutral","sentiment_score":-0.006527128163725138},{"text":"Jason, can you hear me?","start":1292.905,"end":1294.17,"sentiment":"neutral","sentiment_score":-0.006527558714151382},{"text":"Hello?","start":1295.2101,"end":1295.7101,"sentiment":"neutral","sentiment_score":0.0006963321939110756},{"text":"Can you yeah.","start":1298.25,"end":1299.61,"sentiment":"neutral","sentiment_score":0.01313705462962389}],"sentiment":"neutral","sentiment_score":0.007747015852311795,"num_words":22,"start":1288.505,"end":1299.61},{"sentences":[{"text":"Have you got me there, Jason?","start":1299.61,"end":1300.9701,"sentiment":"neutral","sentiment_score":0.02464249947418769},{"text":"Yeah.","start":1300.9701,"end":1301.29,"sentiment":"neutral","sentiment_score":0.07142159342765808},{"text":"All good?","start":1301.29,"end":1302.03,"sentiment":"neutral","sentiment_score":0.156999371945858},{"text":"Perfect.","start":1303.77,"end":1304.27,"sentiment":"positive","sentiment_score":0.464013397693634},{"text":"That's okay.","start":1304.81,"end":1305.7101,"sentiment":"positive","sentiment_score":0.3677171319723129}],"sentiment":"neutral","sentiment_score":0.14439358298356333,"num_words":12,"start":1299.61,"end":1305.7101},{"sentences":[{"text":"Perfect.","start":1305.8501,"end":1306.3301,"sentiment":"positive","sentiment_score":0.4784372448921203},{"text":"We'll have those beneficiary nominations prefilled and sent to you.","start":1306.3301,"end":1309.725,"sentiment":"neutral","sentiment_score":0.29755302965641023},{"text":"Did you want post or email or both?","start":1309.965,"end":1312.0449,"sentiment":"neutral","sentiment_score":0.04398152185603976},{"text":"What's preferred for yourself?","start":1312.0449,"end":1313.585,"sentiment":"neutral","sentiment_score":0.02446729363873601},{"text":"Email is fine.","start":1315.005,"end":1315.8049,"sentiment":"neutral","sentiment_score":0.2016673038403193}],"sentiment":"neutral","sentiment_score":0.1734111847069401,"num_words":26,"start":1305.8501,"end":1315.8049},{"sentences":[{"text":"Beautiful.","start":1315.8049,"end":1316.3049,"sentiment":"positive","sentiment_score":0.5005717277526855},{"text":"Not a problem at all.","start":1316.365,"end":1317.565,"sentiment":"positive","sentiment_score":0.36878969669342043},{"text":"Fantastic.","start":1317.565,"end":1318.065,"sentiment":"positive","sentiment_score":0.7282365560531616},{"text":"Thank you for that.","start":1318.285,"end":1319.4249,"sentiment":"positive","sentiment_score":0.733296275138855},{"text":"Now the only other thing that sort of goes to with insurance is the fact that you do have kids.","start":1319.965,"end":1323.34,"sentiment":"neutral","sentiment_score":0.0940827364102006}],"sentiment":"neutral","sentiment_score":0.2544385998720123,"num_words":31,"start":1315.8049,"end":1323.34},{"sentences":[{"text":"So there are other types of cover you can have.","start":1323.34,"end":1325.58,"sentiment":"neutral","sentiment_score":0.04720087982714176},{"text":"Not everybody wants them.","start":1325.58,"end":1327.12,"sentiment":"neutral","sentiment_score":-0.061677414923906326},{"text":"Covers like trauma, which is paid out of your back pocket, covers you with a lump sum tax free benefit in the event of a major diagnosis, or you can even get child trauma, which, you know, pays out a lump sum tax free benefit in the event of your children being diagnosed with a, you know, a major diagnosis.","start":1327.26,"end":1344.3151,"sentiment":"neutral","sentiment_score":0.040514754503965376},{"text":"Cancer's probably the biggest one that we can kind of relate it to, but there are a host of different things that you can be covered for.","start":1344.6151,"end":1351.1151,"sentiment":"neutral","sentiment_score":0.004166681595422604},{"text":"Are you wanting to look at any additional insurances that might you provide?","start":1351.5499,"end":1355.41,"sentiment":"neutral","sentiment_score":-0.00309953587846114}],"sentiment":"neutral","sentiment_score":0.02393325303043974,"num_words":114,"start":1323.34,"end":1355.41},{"sentences":[{"text":"All good.","start":1355.79,"end":1356.53,"sentiment":"positive","sentiment_score":0.3803624212741852},{"text":"Beautiful.","start":1356.59,"end":1357.09,"sentiment":"positive","sentiment_score":0.5280515551567078},{"text":"Lovely.","start":1358.27,"end":1358.77,"sentiment":"positive","sentiment_score":0.5758587121963501},{"text":"And just having a bit of a look at your goals here as well.","start":1359.39,"end":1362.27,"sentiment":"neutral","sentiment_score":0.32278913356796174},{"text":"So when we kind of touched base last time, you had made mention that you wanna do benefits to be paid out to your kids in the event that anything happens.","start":1362.27,"end":1369.845,"sentiment":"neutral","sentiment_score":0.04753934123343037}],"sentiment":"neutral","sentiment_score":0.16035515424671906,"num_words":49,"start":1355.79,"end":1369.845},{"sentences":[{"text":"So I'll make sure that this is all updated for you to reflect that.","start":1369.845,"end":1372.985,"sentiment":"neutral","sentiment_score":0.06431690018091883},{"text":"With super, we were sort of working on an age of 60.","start":1374.405,"end":1378.245,"sentiment":"neutral","sentiment_score":0.02101960723909239},{"text":"Are you still working on, hopefully, being able to access super, maybe stop working at 60?","start":1378.245,"end":1382.585,"sentiment":"neutral","sentiment_score":0.030717953864950687},{"text":"Yep.","start":1384.46,"end":1384.96,"sentiment":"neutral","sentiment_score":0.33122098445892334},{"text":"Beautiful.","start":1385.5,"end":1386.0,"sentiment":"positive","sentiment_score":0.6420019865036011}],"sentiment":"neutral","sentiment_score":0.05948595732281154,"num_words":44,"start":1369.845,"end":1386.0},{"sentences":[{"text":"You've got here an ideal income of retirement of about 1,500 per week.","start":1386.7799,"end":1390.7,"sentiment":"positive","sentiment_score":0.5237812950060918},{"text":"You do have a lot of time ahead of you, so we can kind of review that when you get to that point to see what kind of income suits you down the track there.","start":1390.7,"end":1398.375,"sentiment":"neutral","sentiment_score":0.19484622542347227},{"text":"All good.","start":1398.615,"end":1399.355,"sentiment":"positive","sentiment_score":0.4765101373195648},{"text":"You are doing really well.","start":1403.575,"end":1404.695,"sentiment":"neutral","sentiment_score":0.2907449245452881},{"text":"Obviously, taking the money out has kinda had a little bit of a negative impact on it, but given your agent stage, the time you have, and you are now contributing, you are still on track to get that income.","start":1404.695,"end":1415.9,"sentiment":"neutral","sentiment_score":0.0669162344187498}],"sentiment":"neutral","sentiment_score":0.1969701999896451,"num_words":95,"start":1386.7799,"end":1415.9},{"sentences":[{"text":"So moving forward, it's not doing an it's not actually very bad at all.","start":1415.9,"end":1422.14,"sentiment":"neutral","sentiment_score":0.22717431453721865},{"text":"You are getting there.","start":1422.14,"end":1423.26,"sentiment":"positive","sentiment_score":0.3449160307645798},{"text":"Realistically, when we kinda get to retirement, we kinda wanna have as much money in super as we can absolutely get, and you'll always be able to draw the income down that you're after.","start":1423.26,"end":1432.365,"sentiment":"positive","sentiment_score":0.34200155691188927},{"text":"It just depends upon how much you end up with your total balance and how you're invested in retirement that provides longevity.","start":1432.505,"end":1440.525,"sentiment":"neutral","sentiment_score":0.2271260151808912},{"text":"So when you get to that point, we'll assess exactly what you wanna earn on a regular basis, on a monthly or fortnightly basis or weekly, look at how long sleep is gonna last, also how you should be invested in those retirement years.","start":1441.36,"end":1454.755,"sentiment":"neutral","sentiment_score":0.15978182276541536}],"sentiment":"neutral","sentiment_score":0.23911296607831778,"num_words":118,"start":1415.9,"end":1454.755},{"sentences":[{"text":"That way, you are still invested, still having money growing, and hopefully drawing some income to help pay those income payments down.","start":1454.755,"end":1461.395,"sentiment":"neutral","sentiment_score":0.29562492804093793},{"text":"Does that make sense?","start":1461.395,"end":1462.4551,"sentiment":"neutral","sentiment_score":0.13520575314760208},{"text":"Yeah.","start":1464.035,"end":1464.435,"sentiment":"neutral","sentiment_score":0.09535032510757446},{"text":"So there's a lot a lot a lot of different factors that play into it.","start":1464.435,"end":1467.48,"sentiment":"neutral","sentiment_score":0.04362219249208768},{"text":"However, with the amount of growth where you are kinda tracking at the moment and the time you have, you are fairly well on track at the moment.","start":1467.5599,"end":1474.76,"sentiment":"neutral","sentiment_score":0.19765300596398966}],"sentiment":"neutral","sentiment_score":0.19040769727102347,"num_words":70,"start":1454.755,"end":1474.76},{"sentences":[{"text":"So there's nothing major that I would change at this particular point in time.","start":1474.76,"end":1478.7,"sentiment":"neutral","sentiment_score":-0.03895249164530209},{"text":"It's just about tracking, and we'll do a bit of a catch up in three months with you there as well.","start":1479.16,"end":1483.675,"sentiment":"neutral","sentiment_score":0.16711422481707164},{"text":"Okay?","start":1483.675,"end":1484.175,"sentiment":"neutral","sentiment_score":0.09913817048072816},{"text":"Excellent.","start":1486.5549,"end":1487.0549,"sentiment":"positive","sentiment_score":0.6562755107879639},{"text":"I had other goals noted here.","start":1487.195,"end":1488.795,"sentiment":"neutral","sentiment_score":0.24847109615802765}],"sentiment":"neutral","sentiment_score":0.12116986270560774,"num_words":43,"start":1474.76,"end":1488.795},{"sentences":[{"text":"So you also wanted to possibly purchase a home on the Sunshine Coast.","start":1488.795,"end":1492.335,"sentiment":"neutral","sentiment_score":0.1169548650773672},{"text":"Is that something you're still looking to do down the track?","start":1492.635,"end":1495.215,"sentiment":"neutral","sentiment_score":0.06839681857011536},{"text":"Yep.","start":1499.9,"end":1500.4,"sentiment":"neutral","sentiment_score":0.07853426784276962},{"text":"Yep.","start":1500.94,"end":1501.42,"sentiment":"neutral","sentiment_score":0.1053742989897728},{"text":"Perfect.","start":1501.42,"end":1501.92,"sentiment":"positive","sentiment_score":0.3415829837322235}],"sentiment":"neutral","sentiment_score":0.1036396222534003,"num_words":27,"start":1488.795,"end":1501.92},{"sentences":[{"text":"In Brisbane.","start":1502.78,"end":1503.52,"sentiment":"neutral","sentiment_score":0.20652510970830917},{"text":"Lovely.","start":1503.82,"end":1504.32,"sentiment":"positive","sentiment_score":0.5106514692306519},{"text":"And then I've also got down here other goals are trying to build your business and bring in more income.","start":1504.78,"end":1510.32,"sentiment":"neutral","sentiment_score":0.2325972154736519},{"text":"That sounds like it's been growing quite nicely.","start":1510.46,"end":1512.625,"sentiment":"positive","sentiment_score":0.4642690010368824},{"text":"How's all that tracking for you?","start":1512.625,"end":1514.405,"sentiment":"neutral","sentiment_score":0.1319995348652204}],"sentiment":"neutral","sentiment_score":0.2724809517731538,"num_words":37,"start":1502.78,"end":1514.405},{"sentences":[{"text":"Yep.","start":1517.3451,"end":1517.745,"sentiment":"positive","sentiment_score":0.42102694511413574},{"text":"Beautiful.","start":1517.745,"end":1518.225,"sentiment":"positive","sentiment_score":0.6743972301483154},{"text":"And we'll continue with that goal moving forward.","start":1518.225,"end":1520.4651,"sentiment":"positive","sentiment_score":0.5568075515329838},{"text":"Fantastic.","start":1520.4651,"end":1520.9651,"sentiment":"positive","sentiment_score":0.5446316003799438},{"text":"What else do we have here?","start":1523.16,"end":1524.36,"sentiment":"neutral","sentiment_score":0.20367490500211716}],"sentiment":"positive","sentiment_score":0.4303862128187628,"num_words":17,"start":1517.3451,"end":1524.36},{"sentences":[{"text":"I also had it down that you're wanting to your super to be growing and wanting to have the team who will keep you updated in the event of market crashes.","start":1524.36,"end":1532.54,"sentiment":"neutral","sentiment_score":0.11091668026581887},{"text":"Well, that's absolutely fine.","start":1532.68,"end":1534.4601,"sentiment":"neutral","sentiment_score":0.220573291182518},{"text":"Beautiful.","start":1534.76,"end":1535.26,"sentiment":"positive","sentiment_score":0.3554270267486572},{"text":"Is there any other goals or anything else that, you know, comes to mind that might be important for you over the next twelve months, five years, ten years?","start":1537.125,"end":1544.665,"sentiment":"neutral","sentiment_score":0.051411010710329844},{"text":"Alright.","start":1544.805,"end":1545.305,"sentiment":"neutral","sentiment_score":0.009510049596428871}],"sentiment":"neutral","sentiment_score":0.0935843430290168,"num_words":66,"start":1524.36,"end":1545.305},{"sentences":[{"text":"Fantastic.","start":1547.6051,"end":1548.1051,"sentiment":"neutral","sentiment_score":0.22047702968120575},{"text":"The last thing to do is just to update all of your assets and liabilities I have here.","start":1548.5651,"end":1553.36,"sentiment":"neutral","sentiment_score":0.056267459152473345},{"text":"Now you may mention you are renting.","start":1553.36,"end":1555.12,"sentiment":"neutral","sentiment_score":0.019677674930010523},{"text":"How much rent do you pay at the moment on a weekly or fortnightly basis?","start":1555.12,"end":1558.34,"sentiment":"neutral","sentiment_score":0.01831761474410693},{"text":"$3.75 per week.","start":1561.44,"end":1563.0599,"sentiment":"neutral","sentiment_score":0.034630959232648216}],"sentiment":"neutral","sentiment_score":0.039765729949894274,"num_words":44,"start":1547.6051,"end":1563.0599},{"sentences":[{"text":"Fantastic.","start":1563.12,"end":1563.62,"sentiment":"neutral","sentiment_score":0.29697999358177185},{"text":"I had down here that you did also have a personal loan with about $27,008.81 owing.","start":1565.255,"end":1570.9349,"sentiment":"neutral","sentiment_score":0.059957852005027235},{"text":"Do you still have that one?","start":1570.9349,"end":1572.475,"sentiment":"neutral","sentiment_score":0.02248393464833498},{"text":"Yep.","start":1574.375,"end":1574.875,"sentiment":"neutral","sentiment_score":0.008381735533475876},{"text":"That's okay.","start":1582.47,"end":1583.37,"sentiment":"neutral","sentiment_score":-0.05470525100827217}],"sentiment":"neutral","sentiment_score":0.049622325656505734,"num_words":26,"start":1563.12,"end":1583.37},{"sentences":[{"text":"Yeah.","start":1592.885,"end":1593.205,"sentiment":"neutral","sentiment_score":-0.001049575861543417},{"text":"You're right.","start":1593.205,"end":1594.025,"sentiment":"neutral","sentiment_score":0.003889304120093584},{"text":"Yeah.","start":1596.165,"end":1596.485,"sentiment":"neutral","sentiment_score":0.024818874895572662},{"text":"Beautiful.","start":1596.485,"end":1596.985,"sentiment":"neutral","sentiment_score":0.18767061829566956},{"text":"We'll note that down there for you.","start":1597.045,"end":1598.745,"sentiment":"neutral","sentiment_score":0.058543822062867026}],"sentiment":"neutral","sentiment_score":0.05241877333416293,"num_words":12,"start":1592.885,"end":1598.745},{"sentences":[{"text":"Yep.","start":1599.845,"end":1600.245,"sentiment":"neutral","sentiment_score":0.07123388350009918},{"text":"Perfect.","start":1600.245,"end":1600.745,"sentiment":"neutral","sentiment_score":0.15996304154396057},{"text":"$9,100.","start":1601.41,"end":1602.39,"sentiment":"neutral","sentiment_score":0.04788229987025261},{"text":"Excellent.","start":1602.45,"end":1602.95,"sentiment":"positive","sentiment_score":0.7103067636489868},{"text":"And then I also have here that you had about 20,000 cash in the bank.","start":1603.41,"end":1606.77,"sentiment":"neutral","sentiment_score":0.2186885803937912}],"sentiment":"neutral","sentiment_score":0.22472182602474564,"num_words":19,"start":1599.845,"end":1606.77},{"sentences":[{"text":"Do you still have that buffer in savings?","start":1606.77,"end":1608.87,"sentiment":"neutral","sentiment_score":0.07660644082352519},{"text":"That's okay.","start":1613.01,"end":1614.115,"sentiment":"neutral","sentiment_score":-0.08661498874425888},{"text":"And then I also had down here there was a credit card.","start":1614.175,"end":1616.655,"sentiment":"neutral","sentiment_score":-0.050442995969206095},{"text":"It looks like the limit is about 12,000.","start":1616.655,"end":1619.775,"sentiment":"neutral","sentiment_score":-0.06039427034556866},{"text":"Do you still have the credit card with that limit?","start":1619.775,"end":1621.935,"sentiment":"neutral","sentiment_score":-0.08258115127682686}],"sentiment":"neutral","sentiment_score":-0.03686650195159018,"num_words":40,"start":1606.77,"end":1621.935},{"sentences":[{"text":"Or Completely gone.","start":1621.935,"end":1624.255,"sentiment":"neutral","sentiment_score":-0.2845849245786667},{"text":"Beautiful.","start":1624.255,"end":1624.755,"sentiment":"positive","sentiment_score":0.49767178297042847},{"text":"Excellent.","start":1625.6951,"end":1626.1951,"sentiment":"positive","sentiment_score":0.5215329527854919},{"text":"And then the only other asset I had noted was a motor vehicle with an asset value of 50,000 and debt free.","start":1626.48,"end":1632.48,"sentiment":"neutral","sentiment_score":0.0408759183165702},{"text":"Is that right?","start":1632.48,"end":1633.2999,"sentiment":"neutral","sentiment_score":0.044457041968901954}],"sentiment":"neutral","sentiment_score":0.03993637636303902,"num_words":30,"start":1621.935,"end":1633.2999},{"sentences":[{"text":"Beautiful.","start":1635.2,"end":1635.7,"sentiment":"neutral","sentiment_score":0.10363909602165222},{"text":"Yep.","start":1638.5599,"end":1639.035,"sentiment":"neutral","sentiment_score":0.03501562029123306},{"text":"Yeah.","start":1640.3151,"end":1640.635,"sentiment":"neutral","sentiment_score":0.06399905681610107},{"text":"Not a problem at all.","start":1640.635,"end":1642.175,"sentiment":"neutral","sentiment_score":0.11469687968492508},{"text":"And what sort of car is it?","start":1642.235,"end":1643.855,"sentiment":"neutral","sentiment_score":0.018827530156288828}],"sentiment":"neutral","sentiment_score":0.060528725509842236,"num_words":15,"start":1635.2,"end":1643.855},{"sentences":[{"text":"Oh, fantastic.","start":1646.475,"end":1647.295,"sentiment":"neutral","sentiment_score":0.3219982087612152},{"text":"C 200.","start":1647.915,"end":1648.895,"sentiment":"neutral","sentiment_score":0.1655074656009674},{"text":"Excellent.","start":1649.035,"end":1649.535,"sentiment":"positive","sentiment_score":0.4228193163871765},{"text":"Beautiful.","start":1649.755,"end":1650.255,"sentiment":"positive","sentiment_score":0.3926548361778259},{"text":"Is there any other assets, any, you know, other savings or collections or anything else of value investments you might have?","start":1650.795,"end":1657.86,"sentiment":"neutral","sentiment_score":0.0060595061984800155}],"sentiment":"neutral","sentiment_score":0.0710272270910166,"num_words":27,"start":1646.475,"end":1657.86},{"sentences":[{"text":"No?","start":1657.92,"end":1658.42,"sentiment":"neutral","sentiment_score":-0.052151869982481},{"text":"No.","start":1659.28,"end":1659.78,"sentiment":"neutral","sentiment_score":-0.11679407209157944},{"text":"That's okay.","start":1660.7201,"end":1661.4601,"sentiment":"neutral","sentiment_score":-0.017007583752274513},{"text":"And then I've got down here that you don't have or did not have a will last year.","start":1662.3201,"end":1665.795,"sentiment":"neutral","sentiment_score":-0.041924198572006494},{"text":"Have you sort of looked at doing up a will or have one done in the last 12?","start":1665.795,"end":1669.895,"sentiment":"neutral","sentiment_score":-0.041432871069345206}],"sentiment":"neutral","sentiment_score":-0.042584709078073504,"num_words":40,"start":1657.92,"end":1669.895},{"sentences":[{"text":"No?","start":1670.1151,"end":1670.6151,"sentiment":"neutral","sentiment_score":-0.08101484179496765},{"text":"Something on the list to do?","start":1671.395,"end":1673.015,"sentiment":"neutral","sentiment_score":-0.06617911159992218},{"text":"Yep.","start":1675.795,"end":1676.1151,"sentiment":"neutral","sentiment_score":0.06467053294181824},{"text":"That's okay.","start":1676.1151,"end":1676.8351,"sentiment":"neutral","sentiment_score":0.12642089277505875},{"text":"If you would like, just as a bit of a starting point, it's by no means obligation, or we can always send you just an email with some information on a local source that we can refer you through to.","start":1676.8351,"end":1686.3099,"sentiment":"neutral","sentiment_score":0.08942235168069601}],"sentiment":"neutral","sentiment_score":0.0683263374865055,"num_words":50,"start":1670.1151,"end":1686.3099},{"sentences":[{"text":"It gives you a bit of an idea of how much they charge to have a will and power of attorney done up just so you can have a bit of a browse and to think about that.","start":1686.3099,"end":1693.765,"sentiment":"neutral","sentiment_score":0.09958869885457189},{"text":"Did you want me to send that email through to you?","start":1693.765,"end":1696.265,"sentiment":"neutral","sentiment_score":0.043404085392301735},{"text":"Yeah.","start":1696.7251,"end":1697.2251,"sentiment":"neutral","sentiment_score":0.27068910002708435},{"text":"Fantastic.","start":1698.3251,"end":1698.8251,"sentiment":"neutral","sentiment_score":0.012829330749809742},{"text":"Sometimes it's just good to start to get get the conversation started or in your case to sort of get the the thought process moving a little bit, have a think about how much it might cost, and when and if this might be, you know, preferable to do for yourself.","start":1699.045,"end":1710.6001,"sentiment":"neutral","sentiment_score":0.0965002722599927}],"sentiment":"neutral","sentiment_score":0.09281223344927032,"num_words":102,"start":1686.3099,"end":1710.6001},{"sentences":[{"text":"You've got your super and your life insurance with your beneficiaries there, but everything else you've worked so hard for outside of those things.","start":1711.2201,"end":1718.3601,"sentiment":"neutral","sentiment_score":0.041066680646811925},{"text":"You know, in the event of passing, you wanna have, you know, pulled together and passed to the person that, you know, you want them to go to and distributed as per your wishes.","start":1718.5801,"end":1727.735,"sentiment":"neutral","sentiment_score":0.046400430447915024},{"text":"Yeah.","start":1728.035,"end":1728.535,"sentiment":"neutral","sentiment_score":0.2146576941013336},{"text":"Beautiful.","start":1730.115,"end":1730.615,"sentiment":"positive","sentiment_score":0.5840266942977905},{"text":"That's basically everything there.","start":1731.555,"end":1733.655,"sentiment":"positive","sentiment_score":0.5176490694284439}],"sentiment":"neutral","sentiment_score":0.08488274432602338,"num_words":64,"start":1711.2201,"end":1733.655},{"sentences":[{"text":"I've just sort of gone through and had a really good look.","start":1733.87,"end":1736.11,"sentiment":"positive","sentiment_score":0.5759373679757118},{"text":"It looks to me like that high growth environment for your risk profile is still appropriate.","start":1736.11,"end":1740.4501,"sentiment":"neutral","sentiment_score":0.32486790511757135},{"text":"Did you wanna review that at the moment, or you still feel happy remaining in that high growth environment?","start":1740.51,"end":1745.25,"sentiment":"neutral","sentiment_score":0.07189636285367765},{"text":"Yep.","start":1747.245,"end":1747.4851,"sentiment":"neutral","sentiment_score":0.1595051884651184},{"text":"Yep.","start":1747.4851,"end":1747.885,"sentiment":"neutral","sentiment_score":0.19455276429653168}],"sentiment":"neutral","sentiment_score":0.2822290560116573,"num_words":49,"start":1733.87,"end":1747.885},{"sentences":[{"text":"Beautiful.","start":1747.885,"end":1748.385,"sentiment":"positive","sentiment_score":0.43048912286758423},{"text":"And do you have any questions or anything else that you might want me to look at for you or rundown or yep.","start":1748.765,"end":1755.3451,"sentiment":"neutral","sentiment_score":0.08706521558696809},{"text":"Beautiful.","start":1755.4851,"end":1755.9851,"sentiment":"positive","sentiment_score":0.33914878964424133},{"text":"Easy.","start":1757.5651,"end":1758.0651,"sentiment":"neutral","sentiment_score":0.26441094279289246},{"text":"Well, what I'll do is we'll get that updated and your review documents out to you.","start":1758.125,"end":1763.2267,"sentiment":"neutral","sentiment_score":0.13935201475396752}],"sentiment":"neutral","sentiment_score":0.1253852630921063,"num_words":42,"start":1747.885,"end":1763.2267},{"sentences":[{"text":"I'll do offer transaction without advice for the reduction of your the reduction of your income protection cover.","start":1763.2267,"end":1768.64,"sentiment":"neutral","sentiment_score":0.06559309466845459},{"text":"We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action.","start":1768.64,"end":1774.34,"sentiment":"neutral","sentiment_score":0.1424371898174286},{"text":"My team will also send through the solicitor's information there for you.","start":1774.8251,"end":1778.025,"sentiment":"neutral","sentiment_score":0.24835215508937836},{"text":"And if you find you have any questions at any point, let me know, but we'll definitely do a catch up in three months there for you as well.","start":1778.025,"end":1784.425,"sentiment":"neutral","sentiment_score":0.15046115733426194},{"text":"Does that sound okay?","start":1784.425,"end":1785.645,"sentiment":"neutral","sentiment_score":0.18185368925333023}],"sentiment":"neutral","sentiment_score":0.14556243618050319,"num_words":89,"start":1763.2267,"end":1785.645},{"sentences":[{"text":"Have I missed anything?","start":1785.865,"end":1787.005,"sentiment":"neutral","sentiment_score":0.020615065470337868},{"text":"Lovely.","start":1789.9401,"end":1790.3401,"sentiment":"positive","sentiment_score":0.37953633069992065},{"text":"Oh, and so the beneficiaries, we'll make sure we get those actioned for you and sent out and completed.","start":1790.3401,"end":1795.16,"sentiment":"neutral","sentiment_score":0.22105726129130313},{"text":"Okay.","start":1795.54,"end":1796.04,"sentiment":"neutral","sentiment_score":0.2725673317909241},{"text":"Easy.","start":1798.18,"end":1798.68,"sentiment":"positive","sentiment_score":0.5022305250167847}],"sentiment":"neutral","sentiment_score":0.20911086207399002,"num_words":26,"start":1785.865,"end":1798.68},{"sentences":[{"text":"Looking nice, easy one today for you.","start":1798.8201,"end":1800.8351,"sentiment":"positive","sentiment_score":0.5847553142479488},{"text":"Once those documents all come through with the annual review, have a look through them.","start":1800.8351,"end":1804.915,"sentiment":"neutral","sentiment_score":0.14259931892156602},{"text":"I've also got all the ones I went through attached to you.","start":1804.915,"end":1807.3151,"sentiment":"neutral","sentiment_score":0.15991096633176008},{"text":"Just look at the financial services guide in there for you, which outlines everything about who I am and OCF Financial are.","start":1807.3151,"end":1813.56,"sentiment":"neutral","sentiment_score":0.17732307653535495},{"text":"And if you are happy to stay on board for the next twelve months, we'll just get you to sign the ongoing service agreement and run that back to us.","start":1813.64,"end":1819.7401,"sentiment":"neutral","sentiment_score":0.2749591956535975}],"sentiment":"neutral","sentiment_score":0.2360592108479766,"num_words":86,"start":1798.8201,"end":1819.7401},{"sentences":[{"text":"It does outline your ongoing service fee at 1.65% per annum, which is calculated and deducted in smaller monthly income is from your super fast services there.","start":1819.8,"end":1829.145,"sentiment":"positive","sentiment_score":0.4299212826622857},{"text":"But do you have any questions about how the fee works or anything related to that?","start":1829.145,"end":1833.3251,"sentiment":"neutral","sentiment_score":0.07458674837835133},{"text":"Oh, beautiful.","start":1835.7051,"end":1836.505,"sentiment":"positive","sentiment_score":0.6149024963378906},{"text":"Well, thank you so much for your time today, Jason.","start":1836.505,"end":1838.7451,"sentiment":"positive","sentiment_score":0.8099331736564637},{"text":"It's been a real pleasure.","start":1838.7451,"end":1839.9451,"sentiment":"positive","sentiment_score":0.8850372076034546}],"sentiment":"positive","sentiment_score":0.4425930895532171,"num_words":60,"start":1819.8,"end":1839.9451},{"sentences":[{"text":"I hope you have a wonderful afternoon.","start":1839.9451,"end":1841.885,"sentiment":"positive","sentiment_score":0.8359996335847037},{"text":"No worries.","start":1845.12,"end":1845.6799,"sentiment":"neutral","sentiment_score":0.13805443048477173},{"text":"I'll talk to you soon.","start":1845.6799,"end":1846.64,"sentiment":"neutral","sentiment_score":0.17038466781377792},{"text":"I'll get all those actioned for you.","start":1846.64,"end":1848.24,"sentiment":"positive","sentiment_score":0.42768310223306927},{"text":"Thanks so much.","start":1848.24,"end":1849.22,"sentiment":"positive","sentiment_score":0.7605907718340555}],"sentiment":"positive","sentiment_score":0.5106493194277087,"num_words":24,"start":1839.9451,"end":1849.22},{"sentences":[{"text":"See you later.","start":1849.6,"end":1850.4,"sentiment":"neutral","sentiment_score":0.33149392406145733},{"text":"Bye.","start":1850.4,"end":1850.9,"sentiment":"neutral","sentiment_score":0.16610874235630035}],"sentiment":"neutral","sentiment_score":0.2901476286351681,"num_words":4,"start":1849.6,"end":1850.9}]}}]},{"alternatives":[{"transcript":"Hello. Jason speaking. Not too bad. Thanks. Yourself? Yes. Absolutely. Yes. I sure can. Let me just quickly pop my AirPods in. Bear with me. Alright. Have you got me there? Hello? Can you hear me? That's right. Hang on. The AirPods just aren't connecting. What about now? Awesome. Awesome. Yes. Now I've got you. Beautiful. Yeah. Absolutely. That's no dramas at all. Beautiful. Yes. So Jason Leo Regan, born 07/01/1992, and my address is 20 Malecote Place, Castleburne. Yep. Which one which email address did you email it to? I've got a new one. I locked myself out of that one. Yeah. Yeah. Drop me to give you my email address now. So jason, j a s o n, dot o r e g a n, 01@gmail.com. That's the one. Awesome. Beautiful. Yep. Awesome. Sounds good. Yes. Yes. Oh, yeah. Great. So now they've yep. Done all done all the gum treatment, got all the new teeth and and all that. So, yes, it was good good to finally get that done. I essentially had pretty much all of my top teeth got completely taken out. They they've done gum treatments through the whole lot and then put screws in and all screwed and taped up the top. So yeah. Yeah. It is. Yeah. Yeah. So I pretty much I only had plastic ones for about three months. Be because I've done mine in stages. So the whole thing took about six months, but they done they done my front ones first, and then they did the back ones. So they kinda done with, like, two lots of stages. So, yeah. Yeah. Which is good. Nah. Not a 100 percent they are. Yep. No. Fixed fixed all of the issues, so I'm stoked. Pretty much. Yeah. Yeah. Literally. Right? It's crazy. No. It feels like it feels normal. It felt a bit weird first off, but it feels normal. But every now and again, you might get one which is a little bit sensitive, and then you feel that in your cheekbone because the screws are screwed into the cheekbone. So so that that feels a bit weird, but look. At the end of the day, it's a a lot bit better getting them done. So yeah. Oh, wow. Yeah. Yeah. No. But my dentist was really good too. Like, to be to begin with, he was very, very transparent about, like, what's gonna happen, the stages, and all that type of stuff. So I was actually really lucky with that. Yes. I think so. Yes. Oh, good. Good. It does. Yes. Yeah. No. Definitely. Yep. Yeah. Yeah. No. That that no. That all makes sense. Yeah. Yeah. Yep. Yes. Sounds good to me. Absolutely. No. That's okay. Yes. Well, we we we what we expect, we expect a year like this once every seven years on average anyway. So Yes. Correct. Yes. Yeah. Literally. Yes. Yes. Yes. Absolutely. Absolutely. Lovely. That's what we like to hear. Yeah. Three months sounds good. Perfect. I appreciate that. Thank you very much. Yes. Pretty pretty much just make sure the kids are sorted. Yep. No. Rent just renting. Yeah. Yeah. Yeah. Now I'm happy with how that's fitting. Yes. Yeah. It's it's Colt. Yeah. No. I'm I'm happy I'm happy with that as well. Yep. I appreciate that. Thank you. Yeah. I know. Right? It's horrible. It's horrible. Yeah. No. That's 75 now. Yep. Yeah. We'll probably have we'll probably have to reduce that. No point paying for it if you can't claim it. No. No. I'm not. No. Yes, please. Yeah. Definitely. That'll save some money on premiums too. Oh, I'm not. I'm I'm oh, I'm not stressed about that. Just go to first option. Just, yeah, just reduce it. Yep. Yep. Awesome. Sounds good. Thank you. Yes, please. Yeah. Definitely. Yes. Yes. Thanks. No. No. That's all good. Yes. That's the one. Yes. Yes. Oh, that's good at my kids. That is correct. Yes. Yeah. Place. Yeah. Absolutely. Yep. So Liam O'Regan. Yep. O'Regan and Evelyn O'Regan, e v e l y. It'd be the same as my insurance because I did fill it all out previously with the insurances, so you can match it up with that. Yes. Oh my god. No. Twenty third of the eleventh twenty eighteen and twentieth of the tenth twenty twenty. I had to think about that. Evelyn. Yep. Yep. Oh, are you still there? I've lost you. Hello? Hello? Yep. There you are. Yep. All good. I think the phone cut out. Oh, email email is fine. Thanks. No. All good. Thanks. All good. Yeah. That'll be nice. Yeah. Yep. Beautiful. How are we tracking for that? Are we on track for that? Or yes. Okay. Good. Makes sense. Sure does. Yeah. Okay. Cool. Yeah. Nice. Sounds good. Perfect. Look. Potentially in Brisbane, maybe five or six years down the track, but, yeah, at some point. Yeah. Now everything's everything's going pretty good. Yep. No. No. Nothing. Nothing really. I pay $3.75 a week. I do. Yes. Just trying to see what it's down to now. The Internet's being slow. So I'm just trying to log in. I think it's down I think it's down to about 26 20 6 one 100, something like that. No. No. I've had to burn through that, unfortunately. No. That's that's completely gone. Yes. Correct. I'd probably say I'd probably say it's about 40 now with the depreciation. Yep. Mercedes c 200. No. No. No. No. That's okay. No. I haven't. No. I haven't. Yeah. Down the track. We'll get there. Yes. Sounds good. Sounds good. I appreciate that. Thank you. Yeah. Definitely. Yeah. Definitely. No. I'm happy. I'm I'm happy with that. Yes. No. I'm all good. No. All good for now. All good. Thank you. Awesome. Thank you. Amazing. I that sounds great. No. You've nailed it. Sounds good. I appreciate that. Thank you. Awesome. No. I no. I don't. That all makes sense. I appreciate it. Thank you very much. You too. Okay. Sounds good. Awesome. Thank you. See you. 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Jason speaking. Not too bad. Thanks. Yourself?\n\nYes. Absolutely. Yes. I sure can. Let me just quickly pop my AirPods in.\n\nBear with me. Alright. Have you got me there? Hello? Can you hear me?\n\nThat's right. Hang on. The AirPods just aren't connecting. What about now? Awesome.\n\nAwesome. Yes. Now I've got you. Beautiful. Yeah.\n\nAbsolutely. That's no dramas at all. Beautiful. Yes. So Jason Leo Regan, born 07/01/1992, and my address is 20 Malecote Place, Castleburne.\n\nYep. Which one which email address did you email it to? I've got a new one. I locked myself out of that one. Yeah.\n\nYeah. Drop me to give you my email address now. So jason, j a s o n, dot o r e g a n, 01@gmail.com. That's the one. Awesome.\n\nBeautiful. Yep. Awesome. Sounds good. Yes.\n\nYes. Oh, yeah. Great. So now they've yep. Done all done all the gum treatment, got all the new teeth and and all that.\n\nSo, yes, it was good good to finally get that done. I essentially had pretty much all of my top teeth got completely taken out. They they've done gum treatments through the whole lot and then put screws in and all screwed and taped up the top. So yeah. Yeah.\n\nIt is. Yeah. Yeah. So I pretty much I only had plastic ones for about three months. Be because I've done mine in stages.\n\nSo the whole thing took about six months, but they done they done my front ones first, and then they did the back ones. So they kinda done with, like, two lots of stages. So, yeah. Yeah. Which is good.\n\nNah. Not a 100 percent they are. Yep. No. Fixed fixed all of the issues, so I'm stoked.\n\nPretty much. Yeah. Yeah. Literally. Right?\n\nIt's crazy. No. It feels like it feels normal. It felt a bit weird first off, but it feels normal. But every now and again, you might get one which is a little bit sensitive, and then you feel that in your cheekbone because the screws are screwed into the cheekbone.\n\nSo so that that feels a bit weird, but look. At the end of the day, it's a a lot bit better getting them done. So yeah. Oh, wow. Yeah.\n\nYeah. No. But my dentist was really good too. Like, to be to begin with, he was very, very transparent about, like, what's gonna happen, the stages, and all that type of stuff. So I was actually really lucky with that.\n\nYes. I think so. Yes. Oh, good. Good.\n\nIt does. Yes. Yeah. No. Definitely.\n\nYep. Yeah. Yeah. No. That that no.\n\nThat all makes sense. Yeah. Yeah. Yep. Yes.\n\nSounds good to me. Absolutely. No. That's okay. Yes.\n\nWell, we we we what we expect, we expect a year like this once every seven years on average anyway. So Yes. Correct. Yes. Yeah.\n\nLiterally. Yes. Yes. Yes. Absolutely.\n\nAbsolutely. Lovely. That's what we like to hear. Yeah. Three months sounds good.\n\nPerfect. I appreciate that. Thank you very much. Yes. Pretty pretty much just make sure the kids are sorted.\n\nYep. No. Rent just renting. Yeah. Yeah.\n\nYeah. Now I'm happy with how that's fitting. Yes. Yeah. It's it's Colt.\n\nYeah. No. I'm I'm happy I'm happy with that as well. Yep. I appreciate that.\n\nThank you. Yeah. I know. Right? It's horrible.\n\nIt's horrible. Yeah. No. That's 75 now. Yep.\n\nYeah. We'll probably have we'll probably have to reduce that. No point paying for it if you can't claim it. No. No.\n\nI'm not. No. Yes, please. Yeah. Definitely.\n\nThat'll save some money on premiums too. Oh, I'm not. I'm I'm oh, I'm not stressed about that. Just go to first option. Just, yeah, just reduce it.\n\nYep. Yep. Awesome. Sounds good. Thank you.\n\nYes, please. Yeah. Definitely. Yes. Yes.\n\nThanks. No. No. That's all good. Yes.\n\nThat's the one. Yes. Yes. Oh, that's good at my kids. That is correct.\n\nYes. Yeah. Place. Yeah. Absolutely.\n\nYep. So Liam O'Regan. Yep. O'Regan and Evelyn O'Regan, e v e l y. It'd be the same as my insurance because I did fill it all out previously with the insurances, so you can match it up with that.\n\nYes. Oh my god. No. Twenty third of the eleventh twenty eighteen and twentieth of the tenth twenty twenty. I had to think about that.\n\nEvelyn. Yep. Yep. Oh, are you still there? I've lost you.\n\nHello? Hello? Yep. There you are. Yep.\n\nAll good. I think the phone cut out. Oh, email email is fine. Thanks. No.\n\nAll good. Thanks. All good. Yeah. That'll be nice.\n\nYeah. Yep. Beautiful. How are we tracking for that? Are we on track for that?\n\nOr yes. Okay. Good. Makes sense. Sure does.\n\nYeah. Okay. Cool. Yeah. Nice.\n\nSounds good. Perfect. Look. Potentially in Brisbane, maybe five or six years down the track, but, yeah, at some point. Yeah.\n\nNow everything's everything's going pretty good. Yep. No. No. Nothing.\n\nNothing really. I pay $3.75 a week. I do. Yes. Just trying to see what it's down to now.\n\nThe Internet's being slow. So I'm just trying to log in. I think it's down I think it's down to about 26 20 6 one 100, something like that. No. No.\n\nI've had to burn through that, unfortunately. No. That's that's completely gone. Yes. Correct.\n\nI'd probably say I'd probably say it's about 40 now with the depreciation. Yep. Mercedes c 200. No. No.\n\nNo. No. That's okay. No. I haven't.\n\nNo. I haven't. Yeah. Down the track. We'll get there.\n\nYes. Sounds good. Sounds good. I appreciate that. Thank you.\n\nYeah. Definitely. Yeah. Definitely. No.\n\nI'm happy. I'm I'm happy with that. Yes. No. I'm all good.\n\nNo. All good for now. All good. Thank you. Awesome.\n\nThank you. Amazing. I that sounds great. No. You've nailed it.\n\nSounds good. I appreciate that. Thank you. Awesome. No.\n\nI no. I don't. That all makes sense. I appreciate it. Thank you very much.\n\nYou too. Okay. Sounds good. Awesome. Thank you.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.08,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.031216641888022423},{"text":"Jason speaking.","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.028740295208990574},{"text":"Not too 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Castleburne.","start":91.93,"end":100.205,"sentiment":"neutral","sentiment_score":0.07687080811176981}],"sentiment":"neutral","sentiment_score":0.12318833104588768,"num_words":22,"start":79.795,"end":100.205},{"sentences":[{"text":"Yep.","start":117.67,"end":118.17,"sentiment":"neutral","sentiment_score":0.030771633610129356},{"text":"Which one which email address did you email it to?","start":126.275,"end":129.335,"sentiment":"neutral","sentiment_score":-0.0342482503503561},{"text":"I've got a new one.","start":133.795,"end":134.675,"sentiment":"neutral","sentiment_score":-0.1670800268650055},{"text":"I locked myself out of that 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good.","start":1756.15,"end":1756.89,"sentiment":"positive","sentiment_score":0.35737374424934387},{"text":"Thank you.","start":1757.11,"end":1757.85,"sentiment":"positive","sentiment_score":0.4214004874229431},{"text":"Awesome.","start":1774.9451,"end":1775.265,"sentiment":"positive","sentiment_score":0.4365401864051819}],"sentiment":"neutral","sentiment_score":0.30483946204185486,"num_words":10,"start":1755.0299,"end":1775.265},{"sentences":[{"text":"Thank you.","start":1775.265,"end":1776.0,"sentiment":"positive","sentiment_score":0.38243669271469116},{"text":"Amazing.","start":1784.64,"end":1785.14,"sentiment":"neutral","sentiment_score":0.2478642761707306},{"text":"I that sounds great.","start":1785.44,"end":1786.98,"sentiment":"neutral","sentiment_score":0.04293820448219776},{"text":"No.","start":1788.08,"end":1788.32,"sentiment":"neutral","sentiment_score":0.02850109338760376},{"text":"You've nailed 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good.","start":1846.92,"end":1847.74,"sentiment":"positive","sentiment_score":0.37741222977638245},{"text":"Awesome.","start":1848.44,"end":1848.84,"sentiment":"positive","sentiment_score":0.7924890518188477},{"text":"Thank you.","start":1848.84,"end":1849.66,"sentiment":"positive","sentiment_score":0.6319071054458618}],"sentiment":"positive","sentiment_score":0.4542643651366234,"num_words":8,"start":1843.96,"end":1849.66},{"sentences":[{"text":"See you.","start":1849.72,"end":1850.38,"sentiment":"positive","sentiment_score":0.3812866806983948},{"text":"Bye.","start":1850.68,"end":1851.1289,"sentiment":"neutral","sentiment_score":-0.1046300083398819}],"sentiment":"neutral","sentiment_score":0.2193144510189692,"num_words":3,"start":1849.72,"end":1851.1289}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jason speaking.\n\nChannel 0: Hi, Jason. It's Dana from Mercy Financial. How are you this morning?\n\nChannel 1: Not too bad. Thanks. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in this morning to go through an annual review there with you. Is now still a good time?\n\nChannel 1: Yes. Absolutely.\n\nChannel 0: Fantastic. Jason, we do also send through some annual review documents to you. Are you able to receive that via your email at the moment?\n\nChannel 1: Yes. I sure can. Let me just quickly\n\nChannel 0: Fantastic.\n\nChannel 1: pop my AirPods in.\n\nChannel 0: Yeah. You're right. Not a problem at all. I'll just just send on that one there for you.\n\nChannel 1: Bear with me.\n\nChannel 0: You're right.\n\nChannel 1: Alright. Have you got me there?\n\nChannel 0: I have. Yes. You can hear me okay?\n\nChannel 1: Hello? Can you hear me?\n\nChannel 0: Yep. Jason, can you hear me? I can hear you perfectly fine.\n\nChannel 1: That's right. Hang on. The AirPods just aren't connecting. What about now?\n\nChannel 0: Yep. I can still hear you perfectly fine. Have you got me\n\nChannel 1: Awesome.\n\nChannel 0: at all?\n\nChannel 1: Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. Now I've\n\nChannel 0: All\n\nChannel 1: got you.\n\nChannel 0: good.\n\nChannel 1: Beautiful.\n\nChannel 0: Fantastic. Jason, before we jump into the call and go through your annual review, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Absolutely. That's no dramas\n\nChannel 0: Fan\n\nChannel 1: at all.\n\nChannel 0: fantastic. And, also, just to do security today with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Beautiful. Yes. So Jason Leo Regan, born 07/01/1992, and my address is 20 Malecote Place, Castleburne.\n\nChannel 0: Yep. Fantastic. Thank you so much for that. I have sent you any of your documents through to you there. Essentially, the documents that we are looking at today are just as an attachment.\n\nI know in previous years, we used DocuSign. We're using a new system now called Odoo. So those should all\n\nChannel 1: Yep.\n\nChannel 0: be as attachments. So when you open the email, you have a button that says sign. But if you scroll down, you should see those individual attachments there. If\n\nChannel 1: Which\n\nChannel 0: you can't,\n\nChannel 1: one\n\nChannel 0: let me\n\nChannel 1: which\n\nChannel 0: know.\n\nChannel 1: email address did you email it to?\n\nChannel 0: I have a jasonoreagan1992@yahoo.com.\n\nChannel 1: I've got a new one. I locked myself out of that one.\n\nChannel 0: Okay. No. That's alright. If you send me the email, I can't alter where that's being sent through to. But if you can send me the email after the call, if you're okay, I can draft up another one and resend it to you.\n\nWould that be okay?\n\nChannel 1: Yeah. Yeah. Drop me to give you my email address now.\n\nChannel 0: Yeah. That'd be great. Thank you.\n\nChannel 1: So jason, j a s o n,\n\nChannel 0: Yep.\n\nChannel 1: dot o r e g a n,\n\nChannel 0: Yep.\n\nChannel 1: 01@gmail.com.\n\nChannel 0: At Gmail dot com. Not a worry. I'll just read I found that with you. It's a Jason.O'Regan01@gmail.com.\n\nChannel 1: That's the one.\n\nChannel 0: Fantastic. After the call, I'll regenerate a new a new review email through to you, and it will send it through to your new one. So my colleague\n\nChannel 1: Awesome.\n\nChannel 0: my admin team is just letting me know they're gonna do that now for you. So once they've got that regenerated, they'll send it through to you so it puts you in your email. But in the meantime,\n\nChannel 1: Beautiful.\n\nChannel 0: we can run through and go through and give you an update on everything else. Okay?\n\nChannel 1: Yep. Awesome. Sounds good.\n\nChannel 0: Fantastic. So just having a bit of a look back. Now I can see previous, previously, you have withdrawn a bit of money. I had a bit of a compassionate grounds claim there. You\n\nChannel 1: Yes.\n\nChannel 0: had your teeth done. That\n\nChannel 1: Yes.\n\nChannel 0: was round about just, sorry, February last year. How's everything been going with your teeth since having it all done?\n\nChannel 1: Oh, yeah. Great. So now they've\n\nChannel 0: Yep.\n\nChannel 1: yep. Done all done all the gum treatment, got all the new teeth and and all that. So,\n\nChannel 0: Yep.\n\nChannel 1: yes, it was good good to finally get that done.\n\nChannel 0: Nice. Nice. What did you actually have done?\n\nChannel 1: I essentially had pretty much all of my top teeth got completely taken out.\n\nChannel 0: Wow.\n\nChannel 1: They they've done gum treatments through the whole lot and then put\n\nChannel 0: Yep.\n\nChannel 1: screws in and all screwed and taped up the top.\n\nChannel 0: Well, someone told me the other day that with this with those implants, it takes about six months for them to all be put in correctly. Is\n\nChannel 1: So\n\nChannel 0: that right? They give\n\nChannel 1: yeah.\n\nChannel 0: you some\n\nChannel 1: Yeah. It\n\nChannel 0: plastic\n\nChannel 1: is.\n\nChannel 0: teeth to begin with? Wow.\n\nChannel 1: Yeah. Yeah. So I pretty much I only had plastic ones for about three months.\n\nChannel 0: Yeah.\n\nChannel 1: Be because I've done mine in stages. So the whole thing took\n\nChannel 0: Yes.\n\nChannel 1: about six months, but they done they done my front ones first, and then they did\n\nChannel 0: Yep.\n\nChannel 1: the back ones. So they kinda\n\nChannel 0: Wow.\n\nChannel 1: done with, like, two lots of stages. So, yeah. Yeah.\n\nChannel 0: That's\n\nChannel 1: Which\n\nChannel 0: insane.\n\nChannel 1: is good.\n\nChannel 0: Yeah. Wow. Well, I'm glad everything's working well for you now. You're not having any additional problems or anything with the new teeth. They're all working\n\nChannel 1: Nah. Not\n\nChannel 0: the way they're supposed to.\n\nChannel 1: a 100\n\nChannel 0: Yeah.\n\nChannel 1: percent they are. Yep. No. Fixed fixed all of the issues, so I'm stoked.\n\nChannel 0: Oh, fantastic. Everyone tells me once you get the full implants in there, you can basically bite into concrete and not have any problem.\n\nChannel 1: Pretty much. Yeah. Yeah. Literally. Right?\n\nIt's crazy.\n\nChannel 0: Wow. That's just and can you feel any of it? Like, do you notice it's there, or is it just sort of that you know?\n\nChannel 1: No. It feels like it feels normal. It felt a bit weird first\n\nChannel 0: Okay.\n\nChannel 1: off, but it feels normal.\n\nChannel 0: Yeah.\n\nChannel 1: But every now and again, you might get one which is a little bit sensitive, and\n\nChannel 0: Okay.\n\nChannel 1: then you feel that in your cheekbone because the screws are screwed into the cheekbone. So\n\nChannel 0: Yeah.\n\nChannel 1: so that\n\nChannel 0: Wow.\n\nChannel 1: that feels a bit weird, but\n\nChannel 0: Yeah.\n\nChannel 1: look. At the end of the day, it's a a lot bit better getting them done. So\n\nChannel 0: Absolutely. I do love that kind of feedback because we do get a lot of people with Compassionate Ground claims and then whatnot. And, yeah, one lady the other day made mention to me. She says, I didn't know this was the process, and she was struggling with it.\n\nChannel 1: yeah.\n\nChannel 0: And I was like, that's really\n\nChannel 1: Oh, wow.\n\nChannel 0: interesting to know because I didn't know that was the process either. And I thought that's kind of handy to have feedback as to when people are going through those dentistry procedures and things. But I was, yeah, really curious to see how yours have gone for you and, you know, glad it\n\nChannel 1: Yeah.\n\nChannel 0: all went well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. But my dentist was really good too. Like, to be to begin with, he was very, very transparent about,\n\nChannel 0: Yeah.\n\nChannel 1: like, what's gonna happen, the stages,\n\nChannel 0: Yep. Yep.\n\nChannel 1: and all that type of stuff. So I was actually really lucky with that.\n\nChannel 0: Oh, fantastic. Well, that is really, really good to hear. I'm glad it's all going well for you. So having taken that money out of super does mean that your super balance is a bit low than where we would have obviously expected that to be there. When\n\nChannel 1: Yes.\n\nChannel 0: we sort of did do your annual review last year, your balance then was about 66,314. So your balance now is at 64,217. I'm acknowledging that it is lower than where it was this time last year, And that's basically because, obviously, the markets have had a bit of an up and down. When I kind of look at how everything was projecting last year from your annual review through to the end of the year, we'd actually seen some really good market ups. We had also, unfortunately, know that one of your investments from about early this year onwards started to underperform significantly.\n\nNow you would have received an email probably about March this year in relation to a a switch we were completing in your investments. Do you remember that coming through at\n\nChannel 1: I think\n\nChannel 0: all? Yeah. That's okay. So we were originally had the Bennelong Australian Equities investment in your portfolio. Now Bennelong was placed in there originally to be more of an actively managed investment.\n\nChannel 1: so. Yes.\n\nChannel 0: Bannalong is an active manager, so the investment manager is essentially trying to buy and sell investments and time the market and make sure that they've kinda outperformed against the market as a whole. Bannalong early this year from about January onwards had some underlying issues with some of their investments, and they weren't able to get out of those investments. And it very heavily affected the valuation of the investment itself. So our investment committee met. They decided it was no longer a good investment.\n\nIt unfortunately did have an impact where it was down for your portfolio, but when we sort of have a look at how Benelon's tracked ongoing, it's continued to increase and deals in continued to decrease and has been down significantly in everyone's portfolio. So that record of advice was essentially sent out to you in March where we had removed Ben along from your investment portfolio and replaced that with the a 200. So when you do look at your super fund, you'll see you've got the beta shares Australian 200. That investment is more of a passively managed investment, so it's tracking the top 200 companies on the ASX. It's actually giving you more diversification, but it's also a cheaper investment to have in there.\n\nSo that has performed much better than Benelong. So we had removed that one out of that portfolio, replaced it with the a 200, which since doing that has seen a much bigger increase in your super. We've seen it come back a little bit, which is good. When I look at your portfolio as a whole over the last twelve months, you are down by about 0.51%. So acknowledging this year has been very volatile, then along had underperformed a bit this year as well, so we've removed that for you.\n\nAnd then, obviously, the greater market concern, investors have been a bit nervous in the market with what's been happening between Iran and The US, which which has created greater volatility there as well. So that's essentially why your super has been negatively impacted this year. You are down a little bit at the moment. When I look at your over the last one month, so since we made that changes from bay from BANALONG to the BetaShares a 200 and since we've sort of had a little bit of stability coming out of what's been going on globally as well, your portfolio is now showing the last one month up by 2.4%. So it is good.\n\nYou are seeing that recovery point.\n\nChannel 1: Oh,\n\nChannel 0: We just\n\nChannel 1: good.\n\nChannel 0: need to\n\nChannel 1: Good.\n\nChannel 0: sort of watch to make sure it continues to recover. Does that make sense?\n\nChannel 1: It does. Yes.\n\nChannel 0: Yeah. Beautiful. I never wanna hide the fact that markets don't always perform great. Some investments also underperform, but I wanted to make sure that I've done that, had a look around, looked at\n\nChannel 1: Yeah.\n\nChannel 0: where things\n\nChannel 1: No.\n\nChannel 0: are\n\nChannel 1: Definitely.\n\nChannel 0: going. It does look like we are tracking on the right way again. I would just wanna\n\nChannel 1: Yep.\n\nChannel 0: sort of keep things the way they are for the moment, just continue as to make sure that they are tracking well, and then we can maybe touch base\n\nChannel 1: Yeah.\n\nChannel 0: in another few months and see how it's all tracking and whether any additional changes need to be made. Does that sound okay with you? Do\n\nChannel 1: Yeah.\n\nChannel 0: you have\n\nChannel 1: No.\n\nChannel 0: any\n\nChannel 1: That that\n\nChannel 0: questions? Yep.\n\nChannel 1: no. That all makes\n\nChannel 0: Fantastic. It's been a bit of a rocky year out there at the moment\n\nChannel 1: sense.\n\nChannel 0: with what's being happening\n\nChannel 1: Yeah.\n\nChannel 0: globally. Insane that there are there is a little bit of, the concern seems to have died off a little bit with regards to the market, so I think investors are just a bit over what's happening in The US and around there. One of the really cool indicators that we tend to utilize or I like to utilize is what's called the VIX index. I'm not sure if anyone's kind of made mention to this before, but the VIX VIX index essentially tracks market volatility. And sort of when you look at it, if that's over 20%, then it's sort of saying that over the next thirty days, we're expecting big ups and downs.\n\nSo we're expecting a lot more volatility in the market. Whereas if it's under 20%, it sort of shows that over the next thirty days, we are expecting a we're expecting a little bit of stability there. And as of the last close in The US, the VIX index was sitting at about 17.68%. So it's under that 20% marker. So it is sort of showing that we are expecting a little bit of a a steadier kind of period, which is good.\n\nThat's what\n\nChannel 1: Yeah.\n\nChannel 0: we kind of wanna have after all the ups and downs we've felt over the past few months. But it's also about just making sure these investments are working harder for you as well. So if you're really comfortable with that, we can sort of touch base next three or even six months depending on what you're comfortable with. Have a look and see how everything has been tracking in that time frame,\n\nChannel 1: Yep.\n\nChannel 0: and then look at whether we need do need to make any additional changes to your portfolio. Does that sound okay?\n\nChannel 1: Yes. Sounds good to me. Absolutely.\n\nChannel 0: Yep. Beautiful. Beautiful. I'm sorry. It's been a little bit down this year, but it's really good\n\nChannel 1: No.\n\nChannel 0: to see\n\nChannel 1: That's\n\nChannel 0: that that\n\nChannel 1: okay.\n\nChannel 0: 2.4 in the last month is showing a bit of a recovery. So it's\n\nChannel 1: Yes.\n\nChannel 0: that's a\n\nChannel 1: Well,\n\nChannel 0: good\n\nChannel 1: we\n\nChannel 0: sign.\n\nChannel 1: we we what\n\nChannel 0: Yeah.\n\nChannel 1: we expect, we expect a year like this once every seven years on average anyway. So\n\nChannel 0: Absolutely. Well, with your portfolio, you're in that high growth environment at the moment, which generally sort of sees that 90% in those high risk sort of areas like Australian shares, international shares, listed property, and commodities like gold and silver. So being in that high growth environment, you are taking a bit more risk to get those greater returns, and the market is doing really well. But we also know there are gonna be down times when the market doesn't\n\nChannel 1: Yes.\n\nChannel 0: perform as well or we see volatility. And because you're in that high growth environment, you expect those dips to be just as, you know, big for yourself. You kind of will notice them more as your balance\n\nChannel 1: Correct.\n\nChannel 0: increases there.\n\nChannel 1: Yes.\n\nChannel 0: The with the high growth portfolio, we generally expect a negative return sort of one in every six years, and this sort of suits someone who has a time horizon of at least eight years before they're wanting to access their success. So because of your agent stage, this suits where you're at your time horizon. You're not accessing in the next eight to ten years. You've got double,\n\nChannel 1: Yeah.\n\nChannel 0: nearly triple that before you're able to access your super at this point. So it's about\n\nChannel 1: Literally.\n\nChannel 0: being able to take on a bit more growth there. And because you did take some money out, that's also had a bit of an effect. So allowing that\n\nChannel 1: Yes.\n\nChannel 0: to come back, recover, letting these changes take effect, and then kind of adjusting the portfolio as we get closer to retirement could also be, you know, a good advantage. And you're contributing now as well, which is another really good factor there. So\n\nChannel 1: Yes.\n\nChannel 0: that money's going in more regularly for you as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Absolutely. Absolutely.\n\nChannel 0: Fantastic. Fantastic. Now you will have a copy of those reports in there for you. If you find when you are looking at any of that, let me know if you do have any questions. Happy to sort of break things down more for you.\n\nBut, yeah, look, I'm not sort of worried about your portfolio at the moment. Those changes are coming to effect. We've removed anything that's underperforming, which is really important. And because Benelon was underperforming, when we made that change, there was no capital gains consequences for your super, so it actually saved your super on some tax, which is kind of cool as well.\n\nChannel 1: Lovely. That's what we like to hear.\n\nChannel 0: That's exactly right. But we'll just sort of make a bit of a a catch up. Did you want me to do this in a bit of a catch up with you in three or six months? What's preferred for you?\n\nChannel 1: Yeah. Three months sounds good.\n\nChannel 0: Mhmm. Beautiful. We'll do a bit of a catch up and see how things are tracking, and then we can always reassess and see what maybe needs to change there for you as well. Okay?\n\nChannel 1: Perfect. I appreciate that. Thank you very much.\n\nChannel 0: That's okay. Now the other thing to have a chat about is the insurances. So you do\n\nChannel 1: Yes.\n\nChannel 0: have your ClearView life insurance policy. You do have a current sum insured of 594,671. So when you think about your life insurance, we hope nothing happens. But if you were to pass away, what's your goal? What is it that you're wanting to have covered with your life insurance?\n\nChannel 1: Pretty pretty much just make sure the kids are sorted.\n\nChannel 0: Yeah. Beautiful. So are you sort of thinking you wanna because I'm having a look at your assets here. I don't are you renting where you are? You don't have a home loan at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Is\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: Rent\n\nChannel 0: right?\n\nChannel 1: just renting. Yeah.\n\nChannel 0: Yeah. Beautiful. So, realistically, if you were to pass away and we touch with nothing and don't want anything to happen, that sum insured the $5.94 can be paid out to your beneficiaries there, but then your super balance is paid out on top of that, so giving them an extra 64,217 based on today's balance there. Do you feel like that's fairly sufficient for the time\n\nChannel 1: Yeah.\n\nChannel 0: being?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Now I'm happy with how that's fitting.\n\nChannel 0: Fantastic. Now you've also got your TBD cover. So total permanent disability is paid out in the event of a total impairment, so essentially permanent incapacity. And, again, if you do claim on TBD, we can also claim that against your super to have that balance released. Now I don't know if anyone's\n\nChannel 1: Yes.\n\nChannel 0: kind of brought this up before, but TBD is actually, unfortunately, a taxable payment. So if in the event of a TBD claim, if you withdrew the full amount out, they can deduct tax of up to 22%. It's terrible.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: It's\n\nChannel 0: don't like\n\nChannel 1: it's\n\nChannel 0: that.\n\nChannel 1: Colt.\n\nChannel 0: I think that is horrible. Anyone who's currently incapacitated and can't go back to work should not be taxed on that benefit amount. If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable. There are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well. But just based on the the current amount you have, the $5.94 $6.07 1, do you feel like that TBD sum insured is comfortable for you, or\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: No.\n\nChannel 0: you wanna\n\nChannel 1: I'm I'm happy I'm happy\n\nChannel 0: That's\n\nChannel 1: with\n\nChannel 0: okay.\n\nChannel 1: that as well. Yep.\n\nChannel 0: Beautiful. Thank you so much for that. It's not always great news to give people. I'm not sure if anyone's kind of ever gone through that with you, and I do like to make sure that I'm giving you a bit\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: appreciate\n\nChannel 0: information\n\nChannel 1: that.\n\nChannel 0: around\n\nChannel 1: Thank\n\nChannel 0: how\n\nChannel 1: you.\n\nChannel 0: these work. All good. It's a bit of a shock if you ever had the claim and someone, hey. By the way, you gotta pay tax on that, and you went, wait.\n\nChannel 1: Yeah.\n\nChannel 0: What?\n\nChannel 1: I know. Right? It's horrible. It's horrible.\n\nChannel 0: Absolutely. Now income wise, I have you earning, as of the last review, about a 120,000. Has that increased or altered since last year?\n\nChannel 1: Yeah. No. That's 75 now.\n\nChannel 0: 75,000? Not\n\nChannel 1: Yep.\n\nChannel 0: a problem at all. So when we look at your income protection policy, income protection can pay up to 70% of your current income. So based on your current income of, say, 75,000 per annum, having a monthly benefit, your monthly benefit at the moment for what you're insured for is 7,136. This would have been on your previous income, I'm\n\nChannel 1: Yeah.\n\nChannel 0: assuming.\n\nChannel 1: We'll probably have we'll probably have to reduce that.\n\nChannel 0: Yeah. Did\n\nChannel 1: No\n\nChannel 0: you\n\nChannel 1: point\n\nChannel 0: want me\n\nChannel 1: paying\n\nChannel 0: to\n\nChannel 1: for\n\nChannel 0: get\n\nChannel 1: it\n\nChannel 0: a\n\nChannel 1: if\n\nChannel 0: quote?\n\nChannel 1: you can't claim it.\n\nChannel 0: No. Absolutely. Absolutely. Because, realistically, at 70% of that 75,000, the amount is about 4,375 as a monthly benefit there. Are you expecting any kind of pay increase over the next year at all, like, with\n\nChannel 1: No.\n\nChannel 0: regards to your business?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: I'm not. No.\n\nChannel 0: No. That's okay. And you're comfortable with me looking to reduce that for you?\n\nChannel 1: Yes, please. Yeah. Definitely.\n\nChannel 0: Yep. Beautiful. Did you\n\nChannel 1: That'll\n\nChannel 0: want me\n\nChannel 1: save\n\nChannel 0: to\n\nChannel 1: some\n\nChannel 0: maybe\n\nChannel 1: money on\n\nChannel 0: send?\n\nChannel 1: premiums too.\n\nChannel 0: Yeah. Absolutely. Would you like me to do it so I can do one of two ways for you? I can just take the direction and do it up as a transaction without advice, where we are just reducing it based on, your your you're just telling me to reduce that, and I can go ahead and get that sorted for you. Or I can do up a record of advice and send it through with the advantages, disadvantages, and the risks involved for you to consider\n\nChannel 1: Oh,\n\nChannel 0: prior\n\nChannel 1: I'm not.\n\nChannel 0: to you\n\nChannel 1: I'm\n\nChannel 0: reducing. What would you\n\nChannel 1: I'm oh, I'm not stressed about that. Just go to first option. Just,\n\nChannel 0: Yep.\n\nChannel 1: yeah,\n\nChannel 0: Beautiful.\n\nChannel 1: just reduce it. Yep.\n\nChannel 0: Yep. That's okay. Not a problem. So I'll just drop a transaction without advice there for you. It just just outlines\n\nChannel 1: Yep.\n\nChannel 0: the risks of doing so, outlines what you've told me you wanna do, and then you just sign that, return it back with a letter, and we'll have that actioned for you. Is that okay?\n\nChannel 1: Awesome. Sounds good. Thank you.\n\nChannel 0: Easy. Not a worry. With the waiting period, you've got a thirty day waiting period, so you just have to be off work for thirty days prior to making a claim. You're comfortable keeping that waiting period as it is?\n\nChannel 1: Yes, please. Yeah. Definitely.\n\nChannel 0: Beautiful. Excellent. And a five year benefit period. So you can be on a claim for up to five years. Generally, as much as claims can be 90% done in that two year period, having a five year benefit period does also keep the risk of you being on a partial claim, so maybe going back to work a couple of days a week and also receiving some money from the claim.\n\nSo having a five year benefit isn't a bad thing at all for your agent's age. Are you comfortable keeping that five year benefit period there?\n\nChannel 1: Yes. Yes. Thanks.\n\nChannel 0: Yes. Beautiful. Fantastic. Do you have any questions in relation to the insurance side of things at all or anything\n\nChannel 1: No.\n\nChannel 0: that was going through? No?\n\nChannel 1: No. That's\n\nChannel 0: Beautiful.\n\nChannel 1: all good.\n\nChannel 0: Excellent. So having a look at the rest of your details here, I can see, sorry, that you've got two dependents or two young kids?\n\nChannel 1: Yes. That's the one. Yes.\n\nChannel 0: Fantastic. Having a look, and then I've also got it down here that you're single. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. So with your life insurance, just wanna double check that with your life and your super that the beneficiaries are also noted correctly. So if in the event of passing, where is it that you would like that benefit to be paid to?\n\nChannel 1: Oh, that's good at my kids.\n\nChannel 0: Yep. So I do have your beneficiary on your super as being Caitlin. Now that's your ex partner. Is that right?\n\nChannel 1: That is correct. Yes.\n\nChannel 0: Yes. Are you wanting to have that updated so it is directed through to your children, or are you\n\nChannel 1: Yeah.\n\nChannel 0: happy with\n\nChannel 1: Place.\n\nChannel 0: her being yep. That's okay. Am I able to grab the details of each of your kids? And I can have my team pre fill that beneficiary nomination for you. Is that okay?\n\nChannel 1: Yeah. Absolutely. Yep. So\n\nChannel 0: Fantastic.\n\nChannel 1: Liam O'Regan.\n\nChannel 0: L I a m?\n\nChannel 1: Yep. O'Regan and Evelyn O'Regan, e v e l y. It'd be the same as my insurance because I did fill\n\nChannel 0: Perfect.\n\nChannel 1: it all out previously with the insurances, so you can match\n\nChannel 0: Okay.\n\nChannel 1: it up with that.\n\nChannel 0: Beautiful. Got that here. So Liam and Evelyn. Excellent. And I'll describe this so I am confirming their date of birth for each of the kids as well.\n\nChannel 1: Yes.\n\nChannel 0: Sorry\n\nChannel 1: Oh my\n\nChannel 0: to\n\nChannel 1: god.\n\nChannel 0: put you on the spot.\n\nChannel 1: No. Twenty third of the eleventh twenty eighteen\n\nChannel 0: Yep.\n\nChannel 1: and twentieth of the tenth twenty twenty.\n\nChannel 0: Yep.\n\nChannel 1: I had\n\nChannel 0: Beautiful.\n\nChannel 1: to think about\n\nChannel 0: And who\n\nChannel 1: that.\n\nChannel 0: was born in 2020?\n\nChannel 1: Evelyn.\n\nChannel 0: Evelyn. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And so Lane was 2018. Not a problem at\n\nChannel 1: Yep.\n\nChannel 0: all. I'll have the team pop those up there for you. We'll\n\nChannel 1: Oh,\n\nChannel 0: get\n\nChannel 1: are\n\nChannel 0: them\n\nChannel 1: you still\n\nChannel 0: resent\n\nChannel 1: there?\n\nChannel 0: through so we\n\nChannel 1: I've\n\nChannel 0: yeah.\n\nChannel 1: lost\n\nChannel 0: Can you\n\nChannel 1: you.\n\nChannel 0: hear me alright? Jason, can you hear me? Hello?\n\nChannel 1: Hello? Hello?\n\nChannel 0: Can you yeah.\n\nChannel 1: Yep. There\n\nChannel 0: Have you\n\nChannel 1: you are.\n\nChannel 0: got me there, Jason? Yeah. All good?\n\nChannel 1: Yep. All good. I think the phone cut out.\n\nChannel 0: Perfect. That's okay. Perfect. We'll have those beneficiary nominations prefilled and sent to you. Did you want post or email or both?\n\nWhat's preferred\n\nChannel 1: Oh,\n\nChannel 0: for yourself?\n\nChannel 1: email email is fine. Thanks.\n\nChannel 0: Email is fine. Beautiful. Not a problem at all. Fantastic. Thank you for that.\n\nNow the only other thing that sort of goes to with insurance is the fact that you do have kids. So there are other types of cover you can have. Not everybody wants them. Covers like trauma, which is paid out of your back pocket, covers you with a lump sum tax free benefit in the event of a major diagnosis, or you can even get child trauma, which, you know, pays out a lump sum tax free benefit in the event of your children being diagnosed with a, you know, a major diagnosis. Cancer's probably the biggest one that we can kind of relate it to, but there are a host of different things that you can be covered for.\n\nAre you wanting to look at any additional insurances\n\nChannel 1: No.\n\nChannel 0: that might\n\nChannel 1: All good.\n\nChannel 0: you\n\nChannel 1: Thanks.\n\nChannel 0: provide? All good. Beautiful.\n\nChannel 1: All good.\n\nChannel 0: Lovely. And just having a bit of a look at your goals here as well. So when we kind of touched base last time, you had made mention that you wanna do benefits to be paid out to your kids in the event that anything happens. So I'll make sure that this is all updated for you to reflect that. With super, we were sort of working on an age of 60.\n\nAre you still working on, hopefully, being able to access super, maybe stop working at 60?\n\nChannel 1: Yeah. That'll be nice.\n\nChannel 0: Yep. Beautiful. You've got here an ideal income of retirement of about 1,500 per week. You do have a lot\n\nChannel 1: Yeah.\n\nChannel 0: of time ahead of you, so we can kind of review that when you get to that point to see what kind of income suits you down the track there. All good.\n\nChannel 1: Yep. Beautiful. How are we tracking for that? Are we on track for that? Or\n\nChannel 0: You are doing really well. Obviously, taking the money out has kinda had a little bit of a negative impact on it, but given your agent stage, the time you have, and you are now contributing, you are still on track to get that income.\n\nChannel 1: yes.\n\nChannel 0: So\n\nChannel 1: Okay. Good.\n\nChannel 0: moving forward, it's not doing an it's not actually very bad at all. You are getting there. Realistically, when we kinda get to retirement, we kinda wanna have as much money in super as we can absolutely get, and you'll always be able to draw the income down that you're after. It just depends upon how much you end up with your total balance and how you're invested in retirement that provides longevity. So when\n\nChannel 1: Makes\n\nChannel 0: you get\n\nChannel 1: sense.\n\nChannel 0: to that point, we'll assess exactly what you wanna earn on a regular basis, on a monthly or fortnightly basis or weekly, look at how long sleep is gonna last, also how you should be invested in those retirement years. That way, you are still invested, still having money growing, and hopefully drawing some income to help pay those income payments down. Does that make sense?\n\nChannel 1: Sure does.\n\nChannel 0: Yeah. So there's a lot a lot a lot of different factors that play into it. However, with the amount of growth where you are kinda tracking at the moment and the time you have, you are fairly well on track at the moment. So there's\n\nChannel 1: Yeah.\n\nChannel 0: nothing\n\nChannel 1: Okay.\n\nChannel 0: major that I would change at this particular point in time. It's\n\nChannel 1: Cool.\n\nChannel 0: just about tracking, and we'll do a bit of a catch up in three months with you there as well. Okay?\n\nChannel 1: Yeah. Nice. Sounds good. Perfect.\n\nChannel 0: Excellent. I had other goals noted here. So you also wanted to possibly purchase a home on the Sunshine Coast. Is that something you're still looking to do down the track?\n\nChannel 1: Look. Potentially in Brisbane, maybe five or six years down the track, but, yeah, at\n\nChannel 0: Yep. Yep. Perfect. In Brisbane. Lovely.\n\nChannel 1: some point.\n\nChannel 0: And then I've also got down here other goals are trying to build your business and bring in more income. That sounds like it's been growing quite nicely. How's all that tracking for you?\n\nChannel 1: Yeah. Now everything's everything's going pretty good.\n\nChannel 0: Yep. Beautiful. And we'll continue with that goal moving forward. Fantastic. What else do we have here?\n\nI also had it down that you're wanting to your super to be growing and wanting to have the team who will keep you updated in the event of market crashes. Well, that's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine. Beautiful. Is there any other goals or anything else that, you know, comes to mind that might be important for you over the next twelve\n\nChannel 1: No.\n\nChannel 0: months, five years, ten years? Alright.\n\nChannel 1: No. Nothing. Nothing really.\n\nChannel 0: Fantastic. The last thing to do is just to update all of your assets and liabilities I have here. Now you may mention you are renting. How much rent do you pay at the moment on a weekly or fortnightly basis?\n\nChannel 1: I pay $3.75 a week.\n\nChannel 0: $3.75 per week. Fantastic. I had down here that you did also have a personal loan with about $27,008.81 owing. Do you still have that one?\n\nChannel 1: I do. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Just trying to see what it's down to now. The Internet's being slow.\n\nChannel 0: That's okay.\n\nChannel 1: So I'm just trying to log in.\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: You're\n\nChannel 1: it's\n\nChannel 0: right.\n\nChannel 1: down I think it's down to about 26\n\nChannel 0: Yeah. Beautiful. We'll note\n\nChannel 1: 20\n\nChannel 0: that down\n\nChannel 1: 6\n\nChannel 0: there\n\nChannel 1: one\n\nChannel 0: for\n\nChannel 1: 100,\n\nChannel 0: you.\n\nChannel 1: something like that.\n\nChannel 0: Yep. Perfect. $9,100. Excellent. And then I also have here that you had about 20,000 cash in the bank.\n\nDo you still have that buffer in savings?\n\nChannel 1: No. No. I've had to burn through that, unfortunately.\n\nChannel 0: That's okay. And then I also had down here there was a credit card. It looks like the limit is about 12,000. Do you still have the credit card with that\n\nChannel 1: No.\n\nChannel 0: limit?\n\nChannel 1: That's\n\nChannel 0: Or\n\nChannel 1: that's completely gone.\n\nChannel 0: Completely gone. Beautiful. Excellent. And then the only other asset I had noted was a motor vehicle with an asset value of 50,000 and debt free. Is that right?\n\nChannel 1: Yes. Correct. I'd\n\nChannel 0: Beautiful.\n\nChannel 1: probably say I'd probably say it's about 40 now with the depreciation.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Not a problem at all. And what sort of car is it?\n\nChannel 1: Mercedes c 200.\n\nChannel 0: Oh, fantastic. C 200. Excellent. Beautiful. Is there any other assets, any, you know, other savings or collections\n\nChannel 1: No.\n\nChannel 0: or anything else of value investments\n\nChannel 1: No.\n\nChannel 0: you might have? No?\n\nChannel 1: No. No. That's\n\nChannel 0: No.\n\nChannel 1: okay.\n\nChannel 0: That's okay. And then I've got down here that you don't have or did not have a will last year. Have you sort of looked at doing up a will or have one done\n\nChannel 1: No.\n\nChannel 0: in the\n\nChannel 1: I\n\nChannel 0: last\n\nChannel 1: haven't.\n\nChannel 0: 12? No?\n\nChannel 1: No. I haven't.\n\nChannel 0: Something on the list to do?\n\nChannel 1: Yeah. Down the track. We'll get there.\n\nChannel 0: Yep. That's okay. If you would like, just as a bit of a starting point, it's by no means obligation, or we can always send you just an email with some information on a local source that we can refer you through to. It gives you a bit of an idea of how much they charge to have a will and power of attorney done up just so you can have a bit of a browse and to think about that. Did you want me to send that email\n\nChannel 1: Yes.\n\nChannel 0: through\n\nChannel 1: Sounds\n\nChannel 0: to you?\n\nChannel 1: good. Sounds\n\nChannel 0: Yeah.\n\nChannel 1: good. I appreciate that. Thank you.\n\nChannel 0: Fantastic. Sometimes it's just good to start to get get the conversation started or in your case to sort of get the the thought process moving a little bit, have a think about how much it might cost, and when and if this might be, you know, preferable to do for yourself. You've got your super and your life insurance with your beneficiaries there, but everything else you've worked so hard for outside of those things. You know,\n\nChannel 1: Yeah.\n\nChannel 0: in the\n\nChannel 1: Definitely.\n\nChannel 0: event of passing, you wanna have, you know, pulled together and passed to the person that, you know, you want them to go to and distributed\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: as per your wishes. Yeah. Beautiful. That's basically everything there. I've just sort of gone through and had a really good look.\n\nIt looks to me like that high growth environment for your risk profile is still appropriate. Did you wanna review that at the moment, or you still feel happy remaining in\n\nChannel 1: No.\n\nChannel 0: that high\n\nChannel 1: I'm\n\nChannel 0: growth\n\nChannel 1: happy.\n\nChannel 0: environment?\n\nChannel 1: I'm I'm happy with that. Yes.\n\nChannel 0: Yep. Yep. Beautiful. And do you have any questions or anything else that you might want me to look at for you or\n\nChannel 1: No.\n\nChannel 0: rundown\n\nChannel 1: I'm all good.\n\nChannel 0: or yep.\n\nChannel 1: No. All\n\nChannel 0: Beautiful.\n\nChannel 1: good for now. All good. Thank you.\n\nChannel 0: Easy. Well, what I'll do is we'll get that updated and your review documents out to you. I'll do offer transaction without advice for the reduction of your the reduction of your income protection cover. We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action. My team\n\nChannel 1: Awesome.\n\nChannel 0: will\n\nChannel 1: Thank\n\nChannel 0: also\n\nChannel 1: you.\n\nChannel 0: send through the solicitor's information there for you. And if you find you have any questions at any point, let me know, but we'll definitely do a catch up in three months there for you as well. Does that\n\nChannel 1: Amazing.\n\nChannel 0: sound okay?\n\nChannel 1: I\n\nChannel 0: Have\n\nChannel 1: that\n\nChannel 0: I\n\nChannel 1: sounds\n\nChannel 0: missed\n\nChannel 1: great.\n\nChannel 0: anything?\n\nChannel 1: No. You've nailed it.\n\nChannel 0: Lovely. Oh, and so the beneficiaries, we'll make sure we get those actioned for you and sent out and completed. Okay.\n\nChannel 1: Sounds good. I appreciate that. Thank you.\n\nChannel 0: Easy. Looking nice, easy one today for you. Once those documents all come through with the annual review, have a look through them. I've also got all the ones I went through attached to you. Just look at the financial services guide in there for you, which outlines everything about who I am and OCF Financial are.\n\nAnd if you are happy to stay on board for the next twelve months, we'll just get you to sign the ongoing service agreement and run that back to us. It does\n\nChannel 1: Awesome.\n\nChannel 0: outline your ongoing service fee at 1.65% per annum, which is calculated and deducted in smaller monthly income is from your super fast services there. But do you have any questions about how the fee works or anything related to that?\n\nChannel 1: No. I no. I don't. That all makes sense.\n\nChannel 0: Oh, beautiful. Well, thank you so much for your time today, Jason. It's been a real pleasure. I hope you have a wonderful afternoon.\n\nChannel 1: I appreciate it. Thank you very much. You too.\n\nChannel 0: No worries. I'll talk\n\nChannel 1: Okay.\n\nChannel 0: to you soon. I'll get\n\nChannel 1: Sounds\n\nChannel 0: all those actioned\n\nChannel 1: good.\n\nChannel 0: for you. Thanks\n\nChannel 1: Awesome.\n\nChannel 0: so much.\n\nChannel 1: Thank you.\n\nChannel 0: See\n\nChannel 1: See\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.08,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.031216641888022423},{"text":"Jason speaking.","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.028740295208990574}],"sentiment":"neutral","sentiment_score":0.02956574410200119,"channel":1,"num_words":3,"start":0.08,"end":1.22},{"sentences":[{"text":"Hi, Jason.","start":1.68,"end":2.32,"sentiment":"neutral","sentiment_score":0.16399157792329788},{"text":"It's Dana from Mercy Financial.","start":2.32,"end":3.78,"sentiment":"neutral","sentiment_score":0.21200962066650392},{"text":"How are you this morning?","start":3.84,"end":4.98,"sentiment":"neutral","sentiment_score":0.2777227103710175}],"sentiment":"neutral","sentiment_score":0.23138706758618355,"channel":0,"num_words":12,"start":1.68,"end":4.98},{"sentences":[{"text":"Not too bad.","start":5.04,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.3163900176684062},{"text":"Thanks.","start":5.7599998,"end":6.0,"sentiment":"positive","sentiment_score":0.510590672492981},{"text":"Yourself?","start":6.0,"end":6.5,"sentiment":"positive","sentiment_score":0.34505778551101685}],"sentiment":"positive","sentiment_score":0.36096370220184326,"channel":1,"num_words":5,"start":5.04,"end":6.5},{"sentences":[{"text":"I'm very well.","start":6.8799996,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6154594421386719},{"text":"Thank you.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.6912424266338348},{"text":"Thanks for asking.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.6451799869537354},{"text":"I had you booked in this morning to go through an annual review there with you.","start":8.96,"end":11.92,"sentiment":"neutral","sentiment_score":0.24975722935050726},{"text":"Is now still a good time?","start":11.92,"end":13.299999,"sentiment":"neutral","sentiment_score":0.19189412395159403}],"sentiment":"positive","sentiment_score":0.3437294517954191,"channel":0,"num_words":30,"start":6.8799996,"end":13.299999},{"sentences":[{"text":"Yes.","start":13.36,"end":13.759999,"sentiment":"neutral","sentiment_score":0.21748219430446625},{"text":"Absolutely.","start":13.759999,"end":14.259999,"sentiment":"positive","sentiment_score":0.44003424048423767}],"sentiment":"neutral","sentiment_score":0.32875821739435196,"channel":1,"num_words":2,"start":13.36,"end":14.259999},{"sentences":[{"text":"Fantastic.","start":15.295,"end":15.795,"sentiment":"positive","sentiment_score":0.561488151550293},{"text":"Jason, we do also send through some annual review documents to you.","start":16.575,"end":19.695,"sentiment":"neutral","sentiment_score":0.22229879721999168},{"text":"Are you able to receive that via your email at the moment?","start":19.695,"end":22.915,"sentiment":"neutral","sentiment_score":0.14746927842497826}],"sentiment":"neutral","sentiment_score":0.1999482023715973,"channel":0,"num_words":25,"start":15.295,"end":22.915},{"sentences":[{"text":"Yes.","start":23.415,"end":23.895,"sentiment":"neutral","sentiment_score":0.1160939633846283},{"text":"I sure can.","start":23.895,"end":24.775,"sentiment":"neutral","sentiment_score":0.16788993775844574},{"text":"Let me just quickly","start":24.775,"end":25.735,"sentiment":"neutral","sentiment_score":0.2281789295375347}],"sentiment":"neutral","sentiment_score":0.19155993685126305,"channel":1,"num_words":8,"start":23.415,"end":25.735},{"sentences":[{"text":"Fantastic.","start":25.535,"end":26.035,"sentiment":"positive","sentiment_score":0.4798927903175354}],"sentiment":"positive","sentiment_score":0.4798927903175354,"channel":0,"num_words":1,"start":25.535,"end":26.035},{"sentences":[{"text":"pop my AirPods in.","start":25.735,"end":27.27,"sentiment":"neutral","sentiment_score":0.3048901706933975}],"sentiment":"neutral","sentiment_score":0.3048901706933975,"channel":1,"num_words":4,"start":25.735,"end":27.27},{"sentences":[{"text":"Yeah.","start":27.609999,"end":27.93,"sentiment":"neutral","sentiment_score":0.15690286457538605},{"text":"You're right.","start":27.93,"end":28.41,"sentiment":"neutral","sentiment_score":0.19906055182218552},{"text":"Not a problem at all.","start":28.41,"end":29.369999,"sentiment":"neutral","sentiment_score":0.2770162343978882},{"text":"I'll just just send on that one there for you.","start":29.369999,"end":31.71,"sentiment":"neutral","sentiment_score":0.26602829843759535}],"sentiment":"neutral","sentiment_score":0.25557711803250843,"channel":0,"num_words":18,"start":27.609999,"end":31.71},{"sentences":[{"text":"Bear with 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is what's called the VIX index.","start":619.395,"end":624.835,"sentiment":"neutral","sentiment_score":0.04432319062338634},{"text":"I'm not sure if anyone's kind of made mention to this before, but the VIX VIX index essentially tracks market volatility.","start":624.835,"end":631.81995,"sentiment":"neutral","sentiment_score":-0.020837051793932915},{"text":"And sort of when you look at it, if that's over 20%, then it's sort of saying that over the next thirty days, we're expecting big ups and downs.","start":632.27997,"end":639.72,"sentiment":"neutral","sentiment_score":-0.0755517518083597}],"sentiment":"neutral","sentiment_score":-0.07655453392021035,"channel":0,"num_words":115,"start":606.35004,"end":639.72},{"sentences":[{"text":"So we're expecting a lot more volatility in the market.","start":639.72,"end":642.05505,"sentiment":"neutral","sentiment_score":-0.210757764428854},{"text":"Whereas if it's under 20%, it sort of shows that over the next thirty days, we are expecting a we're 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with.","start":673.205,"end":680.485,"sentiment":"neutral","sentiment_score":0.14611427396535873},{"text":"Have a look and see how everything has been tracking in that time frame,","start":680.485,"end":684.4,"sentiment":"neutral","sentiment_score":0.09833614315305438}],"sentiment":"neutral","sentiment_score":0.12166889221088527,"channel":0,"num_words":73,"start":664.05,"end":684.4},{"sentences":[{"text":"Yep.","start":684.49506,"end":684.99506,"sentiment":"neutral","sentiment_score":0.1019171103835106}],"sentiment":"neutral","sentiment_score":0.1019171103835106,"channel":1,"num_words":1,"start":684.49506,"end":684.99506},{"sentences":[{"text":"and then look at whether we need do need to make any additional changes to your portfolio.","start":684.54004,"end":688.48004,"sentiment":"neutral","sentiment_score":0.07711566349162775},{"text":"Does that sound 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you will have a copy of those reports in there for you.","start":794.405,"end":797.045,"sentiment":"positive","sentiment_score":0.42279096291615414},{"text":"If you find when you are looking at any of that, let me know if you do have any questions.","start":797.045,"end":800.89996,"sentiment":"neutral","sentiment_score":0.2656854711472988},{"text":"Happy to sort of break things down more for you.","start":800.89996,"end":803.24,"sentiment":"positive","sentiment_score":0.5228312999010086}],"sentiment":"positive","sentiment_score":0.39122884041733214,"channel":0,"num_words":45,"start":793.045,"end":803.24},{"sentences":[{"text":"But, yeah, look, I'm not sort of worried about your portfolio at the moment.","start":803.94,"end":806.74,"sentiment":"neutral","sentiment_score":0.10984183901122638},{"text":"Those changes are coming to effect.","start":806.74,"end":808.26,"sentiment":"neutral","sentiment_score":0.17251109207669893},{"text":"We've removed anything that's underperforming, which is really important.","start":808.26,"end":811.32,"sentiment":"neutral","sentiment_score":0.003167537765370475},{"text":"And because Benelon was underperforming, when we made that change, there was no capital gains consequences for your super, so it actually saved your super on some tax, which is kind of cool as well.","start":812.33997,"end":821.675,"sentiment":"neutral","sentiment_score":0.28439717612096244}],"sentiment":"neutral","sentiment_score":0.19617595785530284,"channel":0,"num_words":64,"start":803.94,"end":821.675},{"sentences":[{"text":"Lovely.","start":821.385,"end":821.865,"sentiment":"positive","sentiment_score":0.6392890214920044},{"text":"That's what we like to hear.","start":821.865,"end":823.245,"sentiment":"positive","sentiment_score":0.43957552313804626}],"sentiment":"positive","sentiment_score":0.46810602290289743,"channel":1,"num_words":7,"start":821.385,"end":823.245},{"sentences":[{"text":"That's exactly 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that.","start":1796.235,"end":1797.035,"sentiment":"positive","sentiment_score":0.6070576707522074},{"text":"Thank you.","start":1797.035,"end":1797.6951,"sentiment":"positive","sentiment_score":0.5601493120193481}],"sentiment":"positive","sentiment_score":0.5719443729945591,"channel":1,"num_words":7,"start":1795.595,"end":1797.6951},{"sentences":[{"text":"Easy.","start":1798.18,"end":1798.68,"sentiment":"positive","sentiment_score":0.5022305250167847},{"text":"Looking nice, easy one today for you.","start":1798.8201,"end":1800.8351,"sentiment":"positive","sentiment_score":0.5847553142479488},{"text":"Once those documents all come through with the annual review, have a look through them.","start":1800.8351,"end":1804.915,"sentiment":"neutral","sentiment_score":0.14259931892156602},{"text":"I've also got all the ones I went through attached to you.","start":1804.915,"end":1807.3151,"sentiment":"neutral","sentiment_score":0.15991096633176008},{"text":"Just look at the financial services guide in there for you, which outlines everything about who I am and OCF Financial are.","start":1807.3151,"end":1813.56,"sentiment":"neutral","sentiment_score":0.17732307653535495}],"sentiment":"neutral","sentiment_score":0.22025520681289204,"channel":0,"num_words":57,"start":1798.18,"end":1813.56},{"sentences":[{"text":"And if you are happy to stay on board for the next twelve months, we'll just get you to sign the ongoing service agreement and run that back to us.","start":1813.64,"end":1819.7401,"sentiment":"neutral","sentiment_score":0.2749591956535975},{"text":"It does","start":1819.8,"end":1820.3601,"sentiment":"positive","sentiment_score":0.6272774338722229}],"sentiment":"neutral","sentiment_score":0.2969790855422616,"channel":0,"num_words":32,"start":1813.64,"end":1820.3601},{"sentences":[{"text":"Awesome.","start":1820.26,"end":1820.76,"sentiment":"positive","sentiment_score":0.5327233076095581}],"sentiment":"positive","sentiment_score":0.5327233076095581,"channel":1,"num_words":1,"start":1820.26,"end":1820.76},{"sentences":[{"text":"outline your ongoing service fee at 1.65% per annum, which is calculated and deducted in smaller monthly income is from your super fast services there.","start":1820.3601,"end":1829.145,"sentiment":"positive","sentiment_score":0.41413279056549074},{"text":"But do you have any questions about how the fee works or anything related to that?","start":1829.145,"end":1833.3251,"sentiment":"neutral","sentiment_score":0.07458674837835133}],"sentiment":"neutral","sentiment_score":0.28162701800465584,"channel":0,"num_words":41,"start":1820.3601,"end":1833.3251},{"sentences":[{"text":"No.","start":1832.865,"end":1833.105,"sentiment":"neutral","sentiment_score":-0.13630928099155426},{"text":"I no.","start":1833.105,"end":1833.745,"sentiment":"neutral","sentiment_score":-0.17644689977169037},{"text":"I don't.","start":1833.745,"end":1834.225,"sentiment":"neutral","sentiment_score":-0.3047967553138733},{"text":"That all makes sense.","start":1834.225,"end":1835.285,"sentiment":"neutral","sentiment_score":-0.07855570688843727}],"sentiment":"neutral","sentiment_score":-0.15700215763515896,"channel":1,"num_words":9,"start":1832.865,"end":1835.285},{"sentences":[{"text":"Oh, beautiful.","start":1835.7051,"end":1836.505,"sentiment":"positive","sentiment_score":0.6149024963378906},{"text":"Well, thank you so much for your time 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a call with a representative from Mercy Financial, the speaker discusses annual reviews and personal information with Jason, as well as personal progress on teeth treatment. They emphasize the importance of monitoring market volatility and making investments in the long term. The agent emphasizes the benefits of insurance policies and offers to adjust the portfolio as needed. They also discuss retirement goals and personal and financial assets, including credit card limit and savings. The agent provides information on coverage options and goals for retirement, as well as updating the customer's coverage and assets and liabilities. They also offer to send a quote for a will and power of attorney and provide information on the financial services guide."},"intents":{"segments":[{"text":"Jason, we do also send through some annual review documents to you. Are you able to receive that via your email at the moment? Yes. I sure can.","start_word":53,"end_word":80,"intents":[{"intent":"Receive annual review documents","confidence_score":0.025606524}]},{"text":"That Yes. was round about just, sorry, February last year. How's everything been going with your teeth since having it all done? Oh, yeah.","start_word":628,"end_word":651,"intents":[{"intent":"Get update on dental progress","confidence_score":0.000092684364}]},{"text":"I essentially had pretty much all of my top teeth got completely taken out. Wow. They they've done gum treatments through the whole lot and then put Yep. screws in and all screwed and taped up the top. Well, someone told me the other day that with this with those implants, it takes about six months for them to all be put in correctly. Is So that right?","start_word":694,"end_word":761,"intents":[{"intent":"Discuss dental implants","confidence_score":0.0146078}]},{"text":"I do love that kind of feedback because we do get a lot of people with Compassionate Ground claims and then whatnot.","start_word":1033,"end_word":1054,"intents":[{"intent":"Express gratitude for feedback","confidence_score":0.067628294}]},{"text":"And I thought that's kind of handy to have feedback as to when people are going through those dentistry procedures and things.","start_word":1102,"end_word":1123,"intents":[{"intent":"Discuss dental procedures and experience","confidence_score":0.00041111055}]},{"text":"But my dentist was really good too. Like, to be to begin with, he was very, very transparent about, Yeah. like, what's gonna happen, the stages, Yep. Yep. and all that type of stuff. So I was actually really lucky with that. Oh, fantastic.","start_word":1150,"end_word":1193,"intents":[{"intent":"Recount past interactions with dentist","confidence_score":0.0060920366}]},{"text":"So having taken that money out of super does mean that your super balance is a bit low than where we would have obviously expected that to be there. When Yes.","start_word":1210,"end_word":1240,"intents":[{"intent":"State estimated balance and expectations","confidence_score":1.1772919e-7}]},{"text":"Now you would have received an email probably about March this year in relation to a a switch we were completing in your investments. Do you remember that coming through at I think all? Yeah.","start_word":1345,"end_word":1379,"intents":[{"intent":"Provide specific information on future investments","confidence_score":0.0000012415301}]},{"text":"So we were originally had the Bennelong Australian Equities investment in your portfolio.","start_word":1382,"end_word":1394,"intents":[{"intent":"Mention previous investments","confidence_score":0.0051503875},{"intent":"Mention previous investment","confidence_score":0.018001895}]},{"text":"And it very heavily affected the valuation of the investment itself. So our investment committee met.","start_word":1473,"end_word":1488,"intents":[{"intent":"Update portfolio valuation","confidence_score":0.0015574623}]},{"text":"When I look at your over the last one month, so since we made that changes from bay from BANALONG to the BetaShares a 200 and since we've sort of had a little bit of stability coming out of what's been going on globally as well, your portfolio is now showing the last one month up by 2.4%. So it is good.","start_word":1773,"end_word":1834,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.11836372}]},{"text":"and then look at whether we need do need to make any additional changes to your portfolio. Does that sound okay?","start_word":2286,"end_word":2306,"intents":[{"intent":"Evaluate portfolio changes","confidence_score":0.021970429}]},{"text":"The with the high growth portfolio, we generally expect a negative return sort of one in every six years, and this sort of suits someone who has a time horizon of at least eight years before they're wanting to access their success.","start_word":2503,"end_word":2544,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.091378674}]},{"text":"We'll do a bit of a catch up and see how things are tracking, and then we can always reassess and see what maybe needs to change there for you as well. Okay? Perfect.","start_word":2843,"end_word":2876,"intents":[{"intent":"Reassess and make decisions about life insurance coverage","confidence_score":0.0000018844274}]},{"text":"Pretty pretty much just make sure the kids are sorted. Yeah. Beautiful.","start_word":2951,"end_word":2962,"intents":[{"intent":"Ensure kids are sorted","confidence_score":0.011054339}]},{"text":"So are you sort of thinking you wanna because I'm having a look at your assets here. I don't are you renting where you are? You don't have a home loan at the moment. Yep.","start_word":2963,"end_word":2997,"intents":[{"intent":"Analyze asset coverage","confidence_score":0.000025435158}]},{"text":"Now you've also got your TBD cover. So total permanent disability is paid out in the event of a total impairment, so essentially permanent incapacity. And, again, if you do claim on TBD, we can also claim that against your super to have that balance released.","start_word":3085,"end_word":3130,"intents":[{"intent":"Review tbd coverage","confidence_score":0.010157159}]},{"text":"kind of brought this up before, but TBD is actually, unfortunately, a taxable payment. So if in the event of a TBD claim, if you withdrew the full amount out, they can deduct tax of up to 22%. It's terrible.","start_word":3138,"end_word":3177,"intents":[{"intent":"Recount tax deductions","confidence_score":0.0019232212}]},{"text":"If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable.","start_word":3209,"end_word":3233,"intents":[{"intent":"Offer advice and guidance","confidence_score":0.00022609785},{"intent":"Limit tax payable","confidence_score":0.6604707}]},{"text":"If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable. There are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well.","start_word":3209,"end_word":3287,"intents":[{"intent":"Suggest lowering costs","confidence_score":0.0001016488}]},{"text":"There are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well.","start_word":3234,"end_word":3287,"intents":[{"intent":"Suggest cutting tax","confidence_score":0.00020108752},{"intent":"Suggest alternative income","confidence_score":0.000045560333}]},{"text":"Thank you so much for that. It's not always great news to give people. I'm not sure if anyone's kind of ever gone through that with you, and I do like to make sure that I'm giving you a bit I of appreciate information that. around Thank how you.","start_word":3333,"end_word":3381,"intents":[{"intent":"Express appreciation","confidence_score":0.02362839}]},{"text":"Now income wise, I have you earning, as of the last review, about a 120,000. Has that increased or altered since last year? Yeah.","start_word":3424,"end_word":3447,"intents":[{"intent":"Determine current income","confidence_score":0.0034992383},{"intent":"Clarify income","confidence_score":0.009045258}]},{"text":"Did No you point want me paying to for get it a if quote? you can't claim it.","start_word":3528,"end_word":3545,"intents":[{"intent":"Request cost quote","confidence_score":0.000068268724}]},{"text":"Are you expecting any kind of pay increase over the next year at all, like, with No.","start_word":3566,"end_word":3582,"intents":[{"intent":"Reduce pay increase","confidence_score":0.031956512}]},{"text":"Do you have any questions in relation to the insurance side of things at all or anything No. that was going through?","start_word":3954,"end_word":3975,"intents":[{"intent":"Check insurance coverage","confidence_score":0.013765488}]},{"text":"And I'll describe this so I am confirming their date of birth for each of the kids as well. Yes.","start_word":4222,"end_word":4241,"intents":[{"intent":"Confirm date of birth","confidence_score":0.8085303}]},{"text":"Now the only other thing that sort of goes to with insurance is the fact that you do have kids. So there are other types of cover you can have. Not everybody wants them.","start_word":4406,"end_word":4439,"intents":[{"intent":"Inform about insurance coverage","confidence_score":0.000693502},{"intent":"Discuss insurance options","confidence_score":0.0051880754}]},{"text":"So when we kind of touched base last time, you had made mention that you wanna do benefits to be paid out to your kids in the event that anything happens. So I'll make sure that this is all updated for you to reflect that.","start_word":4565,"end_word":4609,"intents":[{"intent":"Update information","confidence_score":0.058947932}]},{"text":"If you would like, just as a bit of a starting point, it's by no means obligation, or we can always send you just an email with some information on a local source that we can refer you through to. It gives you a bit of an idea of how much they charge to have a will and power of attorney done up just so you can have a bit of a browse and to think about that.","start_word":5538,"end_word":5615,"intents":[{"intent":"Provide will and power of attorney information","confidence_score":0.0033936354}]},{"text":"Sometimes it's just good to start to get get the conversation started or in your case to sort of get the the thought process moving a little bit, have a think about how much it might cost, and when and if this might be, you know, preferable to do for yourself.","start_word":5640,"end_word":5690,"intents":[{"intent":"Start conversation","confidence_score":0.45912638}]},{"text":"That's basically everything there. I've just sort of gone through and had a really good look. It looks to me like that high growth environment for your risk profile is still appropriate. Did you wanna review that at the moment, or you still feel happy remaining in No. that high I'm growth happy. environment?","start_word":5754,"end_word":5807,"intents":[{"intent":"Review risk profile","confidence_score":0.23200153}]},{"text":"Well, what I'll do is we'll get that updated and your review documents out to you. I'll do offer transaction without advice for the reduction of your the reduction of your income protection cover. We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action. My team Awesome.","start_word":5855,"end_word":5917,"intents":[{"intent":"Take action","confidence_score":0.008612307}]},{"text":"We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action. My team Awesome.","start_word":5889,"end_word":5917,"intents":[{"intent":"Provide quote","confidence_score":0.08013011},{"intent":"Get quote","confidence_score":0.012890801}]}]},"sentiments":{"segments":[{"text":"Hello. Jason speaking. Hi, Jason. It's Dana from Mercy Financial. How are you this morning? Not too bad.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.20218144357204437},{"text":"Thanks. Yourself? I'm very well. Thank you. Thanks for asking.","start_word":18,"end_word":27,"sentiment":"positive","sentiment_score":0.5749813318252563},{"text":"I had you booked in this morning to go through an annual review there with you. Is now still a good time? Yes.","start_word":28,"end_word":50,"sentiment":"neutral","sentiment_score":0.22860968112945557},{"text":"Absolutely. Fantastic.","start_word":51,"end_word":52,"sentiment":"positive","sentiment_score":0.5007612109184265},{"text":"Jason, we do also send through some annual review documents to you. Are you able to receive that via your email at the moment? Yes. I sure can. Let me just quickly Fantastic. pop my AirPods in. Yeah. You're right. Not a problem at all. I'll just just send on that one there for you. Bear with me. You're right. Alright. Have you got me there? I have. Yes. You can hear me okay? Hello? Can you hear me? Yep. Jason, can you hear me? I can hear you perfectly fine. That's right. Hang on. The AirPods just aren't connecting. What about now? Yep. I can still hear you perfectly fine. Have you got me Awesome. at all? Awesome. Yeah. Yes. Now I've All got you. good.","start_word":53,"end_word":179,"sentiment":"neutral","sentiment_score":0.10969962924718855},{"text":"Beautiful. Fantastic.","start_word":180,"end_word":181,"sentiment":"positive","sentiment_score":0.4806013703346253},{"text":"Jason, before we jump into the call and go through your annual review, I do need to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Yeah. Absolutely. That's no dramas Fan at all.","start_word":182,"end_word":227,"sentiment":"neutral","sentiment_score":0.16407766938209534},{"text":"fantastic.","start_word":228,"end_word":228,"sentiment":"positive","sentiment_score":0.5089333057403564},{"text":"And, also, just to do security today with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Beautiful. Yes. So Jason Leo Regan, born 07/01/1992, and my address is 20 Malecote Place, Castleburne. Yep.","start_word":229,"end_word":283,"sentiment":"neutral","sentiment_score":0.1410432904958725},{"text":"Fantastic. Thank you so much for that.","start_word":284,"end_word":290,"sentiment":"positive","sentiment_score":0.46807146072387695},{"text":"I have sent you any of your documents through to you there. Essentially, the documents that we are looking at today are just as an attachment. I know in previous years, we used DocuSign. We're using a new system now called Odoo. So those should all Yep. be as attachments. So when you open the email, you have a button that says sign. But if you scroll down, you should see those individual attachments there. If Which you can't, one let me which know. email address did you email it to? I have a jasonoreagan1992@yahoo.com. I've got a new one.","start_word":291,"end_word":390,"sentiment":"neutral","sentiment_score":0.02970937453210354},{"text":"I locked myself out of that one.","start_word":391,"end_word":397,"sentiment":"negative","sentiment_score":-0.34101685881614685},{"text":"Okay. No. That's alright. If you send me the email, I can't alter where that's being sent through to. But if you can send me the email after the call, if you're okay, I can draft up another one and resend it to you. Would that be okay? Yeah. Yeah. Drop me to give you my email address now. Yeah.","start_word":398,"end_word":457,"sentiment":"neutral","sentiment_score":-0.017229704186320305},{"text":"That'd be great. Thank you.","start_word":458,"end_word":462,"sentiment":"positive","sentiment_score":0.6038562655448914},{"text":"So jason, j a s o n, Yep. dot o r e g a n, Yep. 01@gmail.com. At Gmail dot com. Not a worry. I'll just read I found that with you. It's a Jason.O'Regan01@gmail.com. That's the one.","start_word":463,"end_word":500,"sentiment":"neutral","sentiment_score":0.06613747030496597},{"text":"Fantastic.","start_word":501,"end_word":501,"sentiment":"positive","sentiment_score":0.5958384275436401},{"text":"After the call, I'll regenerate a new a new review email through to you, and it will send it through to your new one. So my colleague Awesome. my admin team is just letting me know they're gonna do that now for you. So once they've got that regenerated, they'll send it through to you so it puts you in your email. But in the meantime, Beautiful. we can run through and go through and give you an update on everything else. Okay? Yep.","start_word":502,"end_word":585,"sentiment":"neutral","sentiment_score":0.23396554589271543},{"text":"Awesome. Sounds good. Fantastic.","start_word":586,"end_word":589,"sentiment":"positive","sentiment_score":0.43498745560646057},{"text":"So just having a bit of a look back. Now I can see previous, previously, you have withdrawn a bit of money. I had a bit of a compassionate grounds claim there. You Yes. had your teeth done. That Yes. was round about just, sorry, February last year. How's everything been going with your teeth since having it all done? Oh, yeah. Great. So now they've Yep. yep.","start_word":590,"end_word":657,"sentiment":"neutral","sentiment_score":0.04202653840184212},{"text":"Done all done all the gum treatment, got all the new teeth and and all that. So, Yep. yes, it was good good to finally get that done. Nice. Nice.","start_word":658,"end_word":687,"sentiment":"positive","sentiment_score":0.5575949549674988},{"text":"What did you actually have done? I essentially had pretty much all of my top teeth got completely taken out. Wow. They they've done gum treatments through the whole lot and then put Yep. screws in and all screwed and taped up the top. Well, someone told me the other day that with this with those implants, it takes about six months for them to all be put in correctly. Is So that right? They give yeah. you some Yeah. It plastic is. teeth to begin with? Wow. Yeah. Yeah. So I pretty much I only had plastic ones for about three months. Yeah. Be because I've done mine in stages. So the whole thing took Yes. about six months, but they done they done my front ones first, and then they did Yep. the back ones. So they kinda Wow. done with, like, two lots of stages. So, yeah. Yeah. That's Which insane. is good. Yeah. Wow.","start_word":688,"end_word":845,"sentiment":"neutral","sentiment_score":0.033469028770923615},{"text":"Well, I'm glad everything's working well for you now.","start_word":846,"end_word":854,"sentiment":"positive","sentiment_score":0.527086079120636},{"text":"You're not having any additional problems or anything with the new teeth. They're all working Nah. Not the way they're supposed to. a 100 Yeah. percent they are. Yep. No. Fixed fixed all of the issues, so I'm stoked.","start_word":855,"end_word":893,"sentiment":"neutral","sentiment_score":0.13764213025569916},{"text":"Oh, fantastic. Everyone tells me once you get the full implants in there, you can basically bite into concrete and not have any problem.","start_word":894,"end_word":917,"sentiment":"positive","sentiment_score":0.4258562922477722},{"text":"Pretty much. Yeah. Yeah. Literally. Right? It's crazy. Wow. That's just and can you feel any of it? Like, do you notice it's there, or is it just sort of that you know? No. It feels like it feels normal. It felt a bit weird first Okay. off, but it feels normal. Yeah. But every now and again, you might get one which is a little bit sensitive, and Okay. then you feel that in your cheekbone because the screws are screwed into the cheekbone. So Yeah. so that Wow. that feels a bit weird, but Yeah. look. At the end of the day, it's a a lot bit better getting them done.","start_word":918,"end_word":1030,"sentiment":"neutral","sentiment_score":-0.0035880771094718867},{"text":"So Absolutely. I do love that kind of feedback because we do get a lot of people with Compassionate Ground claims and then whatnot.","start_word":1031,"end_word":1054,"sentiment":"positive","sentiment_score":0.524007260799408},{"text":"And, yeah, one lady the other day made mention to me. She says, I didn't know this was the process, and she was struggling with it. yeah. And I was like, that's really Oh, wow. interesting to know because I didn't know that was the process either. And I thought that's kind of handy to have feedback as to when people are going through those dentistry procedures and things. But I was, yeah, really curious to see how yours have gone for you and, you know, glad it Yeah.","start_word":1055,"end_word":1143,"sentiment":"neutral","sentiment_score":0.07682127505540848},{"text":"all went well.","start_word":1144,"end_word":1146,"sentiment":"positive","sentiment_score":0.3813113868236542},{"text":"Yeah. Yeah. No. But my dentist was really good too. Like, to be to begin with, he was very, very transparent about, Yeah. like, what's gonna happen, the stages, Yep. Yep. and all that type of stuff.","start_word":1147,"end_word":1183,"sentiment":"neutral","sentiment_score":0.1579950898885727},{"text":"So I was actually really lucky with that. Oh, fantastic. Well, that is really, really good to hear. I'm glad it's all going well for you.","start_word":1184,"end_word":1209,"sentiment":"positive","sentiment_score":0.6106632351875305},{"text":"So having taken that money out of super does mean that your super balance is a bit low than where we would have obviously expected that to be there. When Yes. we sort of did do your annual review last year, your balance then was about 66,314. So your balance now is at 64,217. I'm acknowledging that it is lower than where it was this time last year, And that's basically because, obviously, the markets have had a bit of an up and down. When I kind of look at how everything was projecting last year from your annual review through to the end of the year, we'd actually seen some really good market ups. We had also, unfortunately, know that one of your investments from about early this year onwards started to underperform significantly. Now you would have received an email probably about March this year in relation to a a switch we were completing in your investments. Do you remember that coming through at I think all? Yeah. That's okay. So we were originally had the Bennelong Australian Equities investment in your portfolio. Now Bennelong was placed in there originally to be more of an actively managed investment. so. Bannalong Yes. is an active manager, so the investment manager is essentially trying to buy and sell investments and time the market and make sure that they've kinda outperformed against the market as a whole. Bannalong early this year from about January onwards had some underlying issues with some of their investments, and they weren't able to get out of those investments.","start_word":1210,"end_word":1472,"sentiment":"neutral","sentiment_score":-0.055548085785070755},{"text":"And it very heavily affected the valuation of the investment itself.","start_word":1473,"end_word":1483,"sentiment":"negative","sentiment_score":-0.4787955284118652},{"text":"So our investment committee met.","start_word":1484,"end_word":1488,"sentiment":"neutral","sentiment_score":-0.22630977630615232},{"text":"They decided it was no longer a good investment. It unfortunately did have an impact where it was down for your portfolio, but when we sort of have a look at how Benelon's tracked ongoing, it's continued to increase and deals in continued to decrease and has been down significantly in everyone's portfolio.","start_word":1489,"end_word":1541,"sentiment":"negative","sentiment_score":-0.4139850437641144},{"text":"So that record of advice was essentially sent out to you in March where we had removed Ben along from your investment portfolio and replaced that with the a 200. So when you do look at your super fund, you'll see you've got the beta shares Australian 200. That investment is more of a passively managed investment, so it's tracking the top 200 companies on the ASX.","start_word":1542,"end_word":1608,"sentiment":"neutral","sentiment_score":0.06780721992254257},{"text":"It's actually giving you more diversification, but it's also a cheaper investment to have in there. So that has performed much better than Benelong.","start_word":1609,"end_word":1632,"sentiment":"positive","sentiment_score":0.3756181597709656},{"text":"So we had removed that one out of that portfolio, replaced it with the a 200, which since doing that has seen a much bigger increase in your super.","start_word":1633,"end_word":1661,"sentiment":"neutral","sentiment_score":0.27856242656707764},{"text":"We've seen it come back a little bit, which is good.","start_word":1662,"end_word":1672,"sentiment":"positive","sentiment_score":0.47153881192207336},{"text":"When I look at your portfolio as a whole over the last twelve months, you are down by about 0.51%. So acknowledging this year has been very volatile, then along had underperformed a bit this year as well, so we've removed that for you.","start_word":1673,"end_word":1716,"sentiment":"neutral","sentiment_score":-0.27891671657562256},{"text":"And then, obviously, the greater market concern, investors have been a bit nervous in the market with what's been happening between Iran and The US, which which has created greater volatility there as well. So that's essentially why your super has been negatively impacted this year. You are down a little bit at the moment.","start_word":1717,"end_word":1771,"sentiment":"negative","sentiment_score":-0.44443145394325256},{"text":"When I look at your over the last one month, so since we made that changes from bay from BANALONG to the BetaShares a 200 and since we've sort of had a little bit of stability coming out of what's been going on globally as well, your portfolio is now showing the last one month up by 2.4%.","start_word":1772,"end_word":1829,"sentiment":"neutral","sentiment_score":0.1565580517053604},{"text":"So it is good. You are seeing that recovery point.","start_word":1830,"end_word":1839,"sentiment":"positive","sentiment_score":0.6456621885299683},{"text":"Oh, We just good. need to Good. sort of watch to make sure it continues to recover. Does that make sense? It does. Yes. Yeah.","start_word":1840,"end_word":1864,"sentiment":"neutral","sentiment_score":0.20222632586956024},{"text":"Beautiful.","start_word":1865,"end_word":1865,"sentiment":"positive","sentiment_score":0.496597558259964},{"text":"I never wanna hide the fact that markets don't always perform great. Some investments also underperform, but I wanted to make sure that I've done that, had a look around, looked at Yeah. where things No. are Definitely. going. It does look like we are tracking on the right way again. I would just wanna Yep. sort of keep things the way they are for the moment, just continue as to make sure that they are tracking well, and then we can maybe touch base Yeah. in another few months and see how it's all tracking and whether any additional changes need to be made. Does that sound okay with you? Do Yeah. you have No. any That that questions? Yep. no. That all makes Fantastic. It's been a bit of a rocky year out there at the moment sense. with what's being happening Yeah. globally. Insane that there are there is a little bit of, the concern seems to have died off a little bit with regards to the market, so I think investors are just a bit over what's happening in The US and around there. One of the really cool indicators that we tend to utilize or I like to utilize is what's called the VIX index. I'm not sure if anyone's kind of made mention to this before, but the VIX VIX index essentially tracks market volatility. And sort of when you look at it, if that's over 20%, then it's sort of saying that over the next thirty days, we're expecting big ups and downs. So we're expecting a lot more volatility in the market. Whereas if it's under 20%, it sort of shows that over the next thirty days, we are expecting a we're expecting a little bit of stability there. And as of the last close in The US, the VIX index was sitting at about 17.68%. So it's under that 20% marker.","start_word":1866,"end_word":2185,"sentiment":"neutral","sentiment_score":0.013296281453222036},{"text":"So it is sort of showing that we are expecting a little bit of a a steadier kind of period, which is good.","start_word":2186,"end_word":2208,"sentiment":"positive","sentiment_score":0.4567994177341461},{"text":"That's what Yeah. we kind of wanna have after all the ups and downs we've felt over the past few months. But it's also about just making sure these investments are working harder for you as well. So if you're really comfortable with that, we can sort of touch base next three or even six months depending on what you're comfortable with. Have a look and see how everything has been tracking in that time frame, Yep. and then look at whether we need do need to make any additional changes to your portfolio. Does that sound okay? Yes.","start_word":2209,"end_word":2307,"sentiment":"neutral","sentiment_score":0.11675078421831132},{"text":"Sounds good to me. Absolutely.","start_word":2308,"end_word":2312,"sentiment":"positive","sentiment_score":0.4033398032188415},{"text":"Yep.","start_word":2313,"end_word":2313,"sentiment":"neutral","sentiment_score":0.24006423354148865},{"text":"Beautiful. Beautiful.","start_word":2314,"end_word":2315,"sentiment":"positive","sentiment_score":0.455705463886261},{"text":"I'm sorry. It's been a little bit down this year, but it's really good No. to see That's that that okay. 2.4 in the last month is showing a bit of a recovery. So it's Yes. that's a Well, good we sign. we we what Yeah. we expect, we expect a year like this once every seven years on average anyway. So Absolutely. Well, with your portfolio, you're in that high growth environment at the moment, which generally sort of sees that 90% in those high risk sort of areas like Australian shares, international shares, listed property, and commodities like gold and silver. So being in that high growth environment, you are taking a bit more risk to get those greater returns, and the market is doing really well. But we also know there are gonna be down times when the market doesn't Yes. perform as well or we see volatility. And because you're in that high growth environment, you expect those dips to be just as, you know, big for yourself. You kind of will notice them more as your balance Correct. increases there. Yes. The with the high growth portfolio, we generally expect a negative return sort of one in every six years, and this sort of suits someone who has a time horizon of at least eight years before they're wanting to access their success. So because of your agent stage, this suits where you're at your time horizon. You're not accessing in the next eight to ten years. You've got double, Yeah. nearly triple that before you're able to access your super at this point. So it's about Literally. being able to take on a bit more growth there. And because you did take some money out, that's also had a bit of an effect.","start_word":2316,"end_word":2614,"sentiment":"neutral","sentiment_score":0.013762245857994692},{"text":"So allowing that Yes. to come back, recover, letting these changes take effect, and then kind of adjusting the portfolio as we get closer to retirement could also be, you know, a good advantage. And you're contributing now as well, which is another really good factor there. So Yes. that money's going in more regularly for you as well.","start_word":2615,"end_word":2673,"sentiment":"positive","sentiment_score":0.4726985991001129},{"text":"Yes. Yeah.","start_word":2674,"end_word":2675,"sentiment":"neutral","sentiment_score":0.2292698323726654},{"text":"Absolutely. Absolutely. Fantastic. Fantastic. Now you will have a copy of those reports in there for you.","start_word":2676,"end_word":2692,"sentiment":"positive","sentiment_score":0.5090033411979675},{"text":"If you find when you are looking at any of that, let me know if you do have any questions.","start_word":2693,"end_word":2712,"sentiment":"neutral","sentiment_score":0.26697075366973877},{"text":"Happy to sort of break things down more for you.","start_word":2713,"end_word":2722,"sentiment":"positive","sentiment_score":0.5142861604690552},{"text":"But, yeah, look, I'm not sort of worried about your portfolio at the moment. Those changes are coming to effect. We've removed anything that's underperforming, which is really important. And because Benelon was underperforming, when we made that change, there was no capital gains consequences for your super, so it actually saved your super on some tax, which is kind of cool as well.","start_word":2723,"end_word":2786,"sentiment":"neutral","sentiment_score":0.17645680904388428},{"text":"Lovely. That's what we like to hear. That's exactly right.","start_word":2787,"end_word":2796,"sentiment":"positive","sentiment_score":0.4574546813964844},{"text":"But we'll just sort of make a bit of a a catch up. Did you want me to do this in a bit of a catch up with you in three or six months? What's preferred for you? Yeah. Three months sounds good. Mhmm.","start_word":2797,"end_word":2840,"sentiment":"neutral","sentiment_score":0.06081339344382286},{"text":"Beautiful.","start_word":2841,"end_word":2841,"sentiment":"positive","sentiment_score":0.5434229969978333},{"text":"We'll do a bit of a catch up and see how things are tracking, and then we can always reassess and see what maybe needs to change there for you as well. Okay?","start_word":2842,"end_word":2874,"sentiment":"neutral","sentiment_score":0.04285289719700813},{"text":"Perfect. I appreciate that. Thank you very much.","start_word":2875,"end_word":2882,"sentiment":"positive","sentiment_score":0.6069431900978088},{"text":"That's okay. Now the other thing to have a chat about is the insurances. So you do Yes. have your ClearView life insurance policy. You do have a current sum insured of 594,671. So when you think about your life insurance, we hope nothing happens. But if you were to pass away, what's your goal? What is it that you're wanting to have covered with your life insurance? Pretty pretty much just make sure the kids are sorted. Yeah. Beautiful. So are you sort of thinking you wanna because I'm having a look at your assets here. I don't are you renting where you are? You don't have a home loan at the moment. Yep. Is No. that Rent right? just renting. Yeah. Yeah. Beautiful. So, realistically, if you were to pass away and we touch with nothing and don't want anything to happen, that sum insured the $5.94 can be paid out to your beneficiaries there, but then your super balance is paid out on top of that, so giving them an extra 64,217 based on today's balance there. Do you feel like that's fairly sufficient for the time Yeah. being? Yeah. Yep. Now I'm happy with how that's fitting.","start_word":2883,"end_word":3083,"sentiment":"neutral","sentiment_score":0.03382270783185959},{"text":"Fantastic.","start_word":3084,"end_word":3084,"sentiment":"positive","sentiment_score":0.4457109570503235},{"text":"Now you've also got your TBD cover. So total permanent disability is paid out in the event of a total impairment, so essentially permanent incapacity. And, again, if you do claim on TBD, we can also claim that against your super to have that balance released. Now I don't know if anyone's Yes. kind of brought this up before, but TBD is actually, unfortunately, a taxable payment. So if in the event of a TBD claim, if you withdrew the full amount out, they can deduct tax of up to 22%.","start_word":3085,"end_word":3175,"sentiment":"neutral","sentiment_score":-0.03853154182434082},{"text":"It's terrible. Yeah. I It's don't like it's that. Colt. I think that is horrible.","start_word":3176,"end_word":3190,"sentiment":"negative","sentiment_score":-0.5137366652488708},{"text":"Anyone who's currently incapacitated and can't go back to work should not be taxed on that benefit amount. If in the event of, say, a TPD claim, we provide advice as well to kind of help you limit the amount of tax payable.","start_word":3191,"end_word":3233,"sentiment":"neutral","sentiment_score":0.012259471230208874},{"text":"There are some cool fun things that we can do, and also maybe looking at drawing it out as a regular income stream as opposed to a a big lump sum, which can also help to reduce the amount of tax over time and keep the the money working longer for you as well.","start_word":3234,"end_word":3287,"sentiment":"positive","sentiment_score":0.3490470349788666},{"text":"But just based on the the current amount you have, the $5.94 $6.07 1, do you feel like that TBD sum insured is comfortable for you, or Yeah. would No. you wanna I'm I'm happy I'm happy That's with okay. that as well. Yep.","start_word":3288,"end_word":3331,"sentiment":"neutral","sentiment_score":0.03971371799707413},{"text":"Beautiful. Thank you so much for that.","start_word":3332,"end_word":3338,"sentiment":"positive","sentiment_score":0.5431124567985535},{"text":"It's not always great news to give people. I'm not sure if anyone's kind of ever gone through that with you, and I do like to make sure that I'm giving you a bit I of appreciate information that. around Thank how you. these work. All good. It's a bit of a shock if you ever had the claim and someone, hey. By the way, you gotta pay tax on that, and you went, wait. Yeah. What? I know. Right?","start_word":3339,"end_word":3418,"sentiment":"neutral","sentiment_score":-0.04889674112200737},{"text":"It's horrible. It's horrible.","start_word":3419,"end_word":3422,"sentiment":"negative","sentiment_score":-0.5596997141838074},{"text":"Absolutely. Now income wise, I have you earning, as of the last review, about a 120,000. Has that increased or altered since last year? Yeah. No. That's 75 now. 75,000? Not Yep. a problem at all. So when we look at your income protection policy, income protection can pay up to 70% of your current income. So based on your current income of, say, 75,000 per annum, having a monthly benefit, your monthly benefit at the moment for what you're insured for is 7,136. This would have been on your previous income, I'm Yeah. assuming. We'll probably have we'll probably have to reduce that. Yeah. Did No you point want me paying to for get it a if quote? you can't claim it. No. Absolutely. Absolutely. Because, realistically, at 70% of that 75,000, the amount is about 4,375 as a monthly benefit there. Are you expecting any kind of pay increase over the next year at all, like, with No. regards to your business? No. No? I'm not. No. No. That's okay. And you're comfortable with me looking to reduce that for you? Yes, please. Yeah. Definitely. Yep.","start_word":3423,"end_word":3610,"sentiment":"neutral","sentiment_score":-0.06806192749199715},{"text":"Beautiful.","start_word":3611,"end_word":3611,"sentiment":"positive","sentiment_score":0.5486273169517517},{"text":"Did you That'll want me save to some maybe money on send? premiums too. Yeah. Absolutely. Would you like me to do it so I can do one of two ways for you? I can just take the direction and do it up as a transaction without advice, where we are just reducing it based on, your your you're just telling me to reduce that, and I can go ahead and get that sorted for you. Or I can do up a record of advice and send it through with the advantages, disadvantages, and the risks involved for you to consider Oh, prior I'm not. to you I'm reducing. What would you I'm oh, I'm not stressed about that. Just go to first option. Just, Yep. yeah, Beautiful. just reduce it. Yep. Yep. That's okay. Not a problem. So I'll just drop a transaction without advice there for you. It just just outlines Yep. the risks of doing so, outlines what you've told me you wanna do, and then you just sign that, return it back with a letter, and we'll have that actioned for you. Is that okay?","start_word":3612,"end_word":3800,"sentiment":"neutral","sentiment_score":0.11818309873342514},{"text":"Awesome. Sounds good. Thank you. Easy.","start_word":3801,"end_word":3806,"sentiment":"positive","sentiment_score":0.6099810004234314},{"text":"Not a worry. With the waiting period, you've got a thirty day waiting period, so you just have to be off work for thirty days prior to making a claim. You're comfortable keeping that waiting period as it is? Yes, please. Yeah.","start_word":3807,"end_word":3848,"sentiment":"neutral","sentiment_score":0.1113043874502182},{"text":"Definitely. Beautiful. Excellent.","start_word":3849,"end_word":3851,"sentiment":"positive","sentiment_score":0.5492376089096069},{"text":"And a five year benefit period. So you can be on a claim for up to five years. Generally, as much as claims can be 90% done in that two year period, having a five year benefit period does also keep the risk of you being on a partial claim, so maybe going back to work a couple of days a week and also receiving some money from the claim. So having a five year benefit isn't a bad thing at all for your agent's age. Are you comfortable keeping that five year benefit period there? Yes. Yes.","start_word":3852,"end_word":3949,"sentiment":"neutral","sentiment_score":0.10250791907310486},{"text":"Thanks.","start_word":3950,"end_word":3950,"sentiment":"positive","sentiment_score":0.3880922794342041},{"text":"Yes.","start_word":3951,"end_word":3951,"sentiment":"neutral","sentiment_score":0.2579072415828705},{"text":"Beautiful. Fantastic.","start_word":3952,"end_word":3953,"sentiment":"positive","sentiment_score":0.6174887418746948},{"text":"Do you have any questions in relation to the insurance side of things at all or anything No. that was going through? No? No. That's Beautiful.","start_word":3954,"end_word":3979,"sentiment":"neutral","sentiment_score":0.09649303555488586},{"text":"all good. Excellent.","start_word":3980,"end_word":3982,"sentiment":"positive","sentiment_score":0.38193899393081665},{"text":"So having a look at the rest of your details here, I can see, sorry, that you've got two dependents or two young kids? Yes. That's the one. Yes. Fantastic. Having a look, and then I've also got it down here that you're single. Is that right? Yes. Yep. Beautiful. So with your life insurance, just wanna double check that with your life and your super that the beneficiaries are also noted correctly. So if in the event of passing, where is it that you would like that benefit to be paid to? Oh, that's good at my kids. Yep. So I do have your beneficiary on your super as being Caitlin. Now that's your ex partner. Is that right? That is correct. Yes. Yes. Are you wanting to have that updated so it is directed through to your children, or are you Yeah. happy with Place. her being yep. That's okay. Am I able to grab the details of each of your kids? And I can have my team pre fill that beneficiary nomination for you. Is that okay? Yeah. Absolutely. Yep. So Fantastic. Liam O'Regan. L I a m? Yep. O'Regan and Evelyn O'Regan, e v e l y. It'd be the same as my insurance because I did fill Perfect. it all out previously with the insurances, so you can match Okay. it up with that.","start_word":3983,"end_word":4211,"sentiment":"neutral","sentiment_score":0.09987503290176392},{"text":"Beautiful.","start_word":4212,"end_word":4212,"sentiment":"positive","sentiment_score":0.4518893361091614},{"text":"Got that here. So Liam and Evelyn.","start_word":4213,"end_word":4219,"sentiment":"neutral","sentiment_score":0.20129439234733584},{"text":"Excellent.","start_word":4220,"end_word":4220,"sentiment":"positive","sentiment_score":0.3696278333663941},{"text":"And I'll describe this so I am confirming their date of birth for each of the kids as well. Yes. Sorry Oh my to god. put you on the spot. No. Twenty third of the eleventh twenty eighteen Yep. and twentieth of the tenth twenty twenty. Yep. I had Beautiful. to think about And who that. was born in 2020? Evelyn. Evelyn. Beautiful. Yep. And so Lane was 2018. Not a problem at Yep. all. I'll have the team pop those up there for you. We'll Oh, get are them you still resent there? through so we I've yeah. lost Can you you. hear me alright? Jason, can you hear me? Hello? Hello? Hello? Can you yeah. Yep. There Have you you are. got me there, Jason? Yeah. All good? Yep. All good. I think the phone cut out.","start_word":4221,"end_word":4359,"sentiment":"neutral","sentiment_score":0.05756617337465286},{"text":"Perfect. That's okay. Perfect.","start_word":4360,"end_word":4363,"sentiment":"positive","sentiment_score":0.410813421010971},{"text":"We'll have those beneficiary nominations prefilled and sent to you. Did you want post or email or both? What's preferred Oh, for yourself? email email is fine. Thanks. Email is fine.","start_word":4364,"end_word":4394,"sentiment":"neutral","sentiment_score":0.14982791244983673},{"text":"Beautiful. Not a problem at all. Fantastic. Thank you for that.","start_word":4395,"end_word":4405,"sentiment":"positive","sentiment_score":0.5407764911651611},{"text":"Now the only other thing that sort of goes to with insurance is the fact that you do have kids. So there are other types of cover you can have. Not everybody wants them. Covers like trauma, which is paid out of your back pocket, covers you with a lump sum tax free benefit in the event of a major diagnosis, or you can even get child trauma, which, you know, pays out a lump sum tax free benefit in the event of your children being diagnosed with a, you know, a major diagnosis. Cancer's probably the biggest one that we can kind of relate it to, but there are a host of different things that you can be covered for. Are you wanting to look at any additional insurances No. that might All good. you Thanks. provide?","start_word":4406,"end_word":4543,"sentiment":"neutral","sentiment_score":0.03461683541536331},{"text":"All good. Beautiful. All good. Lovely. And just having a bit of a look at your goals here as well.","start_word":4544,"end_word":4563,"sentiment":"positive","sentiment_score":0.39374861121177673},{"text":"So when we kind of touched base last time, you had made mention that you wanna do benefits to be paid out to your kids in the event that anything happens. So I'll make sure that this is all updated for you to reflect that. With super, we were sort of working on an age of 60. Are you still working on, hopefully, being able to access super, maybe stop working at 60? Yeah. That'll be nice. Yep.","start_word":4564,"end_word":4641,"sentiment":"neutral","sentiment_score":0.07001825422048569},{"text":"Beautiful. You've got here an ideal income of retirement of about 1,500 per week.","start_word":4642,"end_word":4655,"sentiment":"positive","sentiment_score":0.5335139036178589},{"text":"You do have a lot Yeah. of time ahead of you, so we can kind of review that when you get to that point to see what kind of income suits you down the track there.","start_word":4656,"end_word":4691,"sentiment":"neutral","sentiment_score":0.1950248032808304},{"text":"All good.","start_word":4692,"end_word":4693,"sentiment":"positive","sentiment_score":0.4702470302581787},{"text":"Yep.","start_word":4694,"end_word":4694,"sentiment":"neutral","sentiment_score":0.3050069510936737},{"text":"Beautiful.","start_word":4695,"end_word":4695,"sentiment":"positive","sentiment_score":0.5609117150306702},{"text":"How are we tracking for that? Are we on track for that? Or You are doing really well. Obviously, taking the money out has kinda had a little bit of a negative impact on it, but given your agent stage, the time you have, and you are now contributing, you are still on track to get that income. yes. So Okay.","start_word":4696,"end_word":4756,"sentiment":"neutral","sentiment_score":0.1083190217614174},{"text":"Good.","start_word":4757,"end_word":4757,"sentiment":"positive","sentiment_score":0.4222874939441681},{"text":"moving forward, it's not doing an it's not actually very bad at all.","start_word":4758,"end_word":4770,"sentiment":"neutral","sentiment_score":0.24802936613559723},{"text":"You are getting there.","start_word":4771,"end_word":4774,"sentiment":"positive","sentiment_score":0.3366210162639618},{"text":"Realistically, when we kinda get to retirement, we kinda wanna have as much money in super as we can absolutely get, and you'll always be able to draw the income down that you're after. It just depends upon how much you end up with your total balance and how you're invested in retirement that provides longevity. So when Makes you get sense. to that point, we'll assess exactly what you wanna earn on a regular basis, on a monthly or fortnightly basis or weekly, look at how long sleep is gonna last, also how you should be invested in those retirement years. That way, you are still invested, still having money growing, and hopefully drawing some income to help pay those income payments down. Does that make sense? Sure does. Yeah. So there's a lot a lot a lot of different factors that play into it. However, with the amount of growth where you are kinda tracking at the moment and the time you have, you are fairly well on track at the moment. So there's Yeah. nothing Okay. major that I would change at this particular point in time.","start_word":4775,"end_word":4964,"sentiment":"neutral","sentiment_score":0.18807685214437936},{"text":"It's Cool.","start_word":4965,"end_word":4966,"sentiment":"positive","sentiment_score":0.4509943425655365},{"text":"just about tracking, and we'll do a bit of a catch up in three months with you there as well. Okay? Yeah.","start_word":4967,"end_word":4988,"sentiment":"neutral","sentiment_score":0.14966793358325958},{"text":"Nice. Sounds good. Perfect. Excellent.","start_word":4989,"end_word":4993,"sentiment":"positive","sentiment_score":0.638570249080658},{"text":"I had other goals noted here. So you also wanted to possibly purchase a home on the Sunshine Coast. Is that something you're still looking to do down the track? Look. Potentially in Brisbane, maybe five or six years down the track, but, yeah, at Yep. Yep.","start_word":4994,"end_word":5040,"sentiment":"neutral","sentiment_score":0.09614592045545578},{"text":"Perfect.","start_word":5041,"end_word":5041,"sentiment":"positive","sentiment_score":0.3415829837322235},{"text":"In Brisbane.","start_word":5042,"end_word":5043,"sentiment":"neutral","sentiment_score":0.22459660470485687},{"text":"Lovely.","start_word":5044,"end_word":5044,"sentiment":"positive","sentiment_score":0.5106514692306519},{"text":"some point. And then I've also got down here other goals are trying to build your business and bring in more income.","start_word":5045,"end_word":5066,"sentiment":"neutral","sentiment_score":0.2335379421710968},{"text":"That sounds like it's been growing quite nicely.","start_word":5067,"end_word":5074,"sentiment":"positive","sentiment_score":0.45203083753585815},{"text":"How's all that tracking for you? Yeah.","start_word":5075,"end_word":5081,"sentiment":"neutral","sentiment_score":0.14884814620018005},{"text":"Now everything's everything's going pretty good. Yep. Beautiful. And we'll continue with that goal moving forward. Fantastic.","start_word":5082,"end_word":5098,"sentiment":"positive","sentiment_score":0.5069690346717834},{"text":"What else do we have here? I also had it down that you're wanting to your super to be growing and wanting to have the team who will keep you updated in the event of market crashes. Well, that's absolutely Yep. fine.","start_word":5099,"end_word":5140,"sentiment":"neutral","sentiment_score":0.14386163651943207},{"text":"Beautiful.","start_word":5141,"end_word":5141,"sentiment":"positive","sentiment_score":0.3554270267486572},{"text":"Is there any other goals or anything else that, you know, comes to mind that might be important for you over the next twelve No. months, five years, ten years? Alright. No. Nothing. Nothing really. Fantastic. The last thing to do is just to update all of your assets and liabilities I have here. Now you may mention you are renting. How much rent do you pay at the moment on a weekly or fortnightly basis? I pay $3.75 a week. $3.75 per week. Fantastic. I had down here that you did also have a personal loan with about $27,008.81 owing. Do you still have that one? I do. Yes. Yep. Just trying to see what it's down to now. The Internet's being slow. That's okay. So I'm just trying to log in. Yeah. I think You're it's right. down I think it's down to about 26 Yeah. Beautiful. We'll note 20 that down 6 there one for 100, you. something like that. Yep. Perfect. $9,100.","start_word":5142,"end_word":5307,"sentiment":"neutral","sentiment_score":0.024792347103357315},{"text":"Excellent.","start_word":5308,"end_word":5308,"sentiment":"positive","sentiment_score":0.7103067636489868},{"text":"And then I also have here that you had about 20,000 cash in the bank. Do you still have that buffer in savings? No. No.","start_word":5309,"end_word":5333,"sentiment":"neutral","sentiment_score":0.11136483401060104},{"text":"I've had to burn through that, unfortunately.","start_word":5334,"end_word":5340,"sentiment":"negative","sentiment_score":-0.4505168795585632},{"text":"That's okay. And then I also had down here there was a credit card. It looks like the limit is about 12,000. Do you still have the credit card with that No. limit?","start_word":5341,"end_word":5373,"sentiment":"neutral","sentiment_score":-0.07682975381612778},{"text":"That's Or that's completely gone.","start_word":5374,"end_word":5378,"sentiment":"negative","sentiment_score":-0.3791626989841461},{"text":"Completely gone.","start_word":5379,"end_word":5380,"sentiment":"neutral","sentiment_score":-0.27842578291893005},{"text":"Beautiful. Excellent.","start_word":5381,"end_word":5382,"sentiment":"positive","sentiment_score":0.5096023678779602},{"text":"And then the only other asset I had noted was a motor vehicle with an asset value of 50,000 and debt free. Is that right? Yes. Correct. I'd Beautiful. probably say I'd probably say it's about 40 now with the depreciation. Yep. Yep. Yeah. Not a problem at all. And what sort of car is it? Mercedes c 200. Oh, fantastic. C 200.","start_word":5383,"end_word":5445,"sentiment":"neutral","sentiment_score":0.05554826185107231},{"text":"Excellent. Beautiful.","start_word":5446,"end_word":5447,"sentiment":"positive","sentiment_score":0.4077370762825012},{"text":"Is there any other assets, any, you know, other savings or collections No. or anything else of value investments No. you might have? No? No. No. That's No. okay. That's okay. And then I've got down here that you don't have or did not have a will last year. Have you sort of looked at doing up a will or have one done No. in the I last haven't. 12? No? No. I haven't. Something on the list to do? Yeah. Down the track. We'll get there. Yep. That's okay. If you would like, just as a bit of a starting point, it's by no means obligation, or we can always send you just an email with some information on a local source that we can refer you through to. It gives you a bit of an idea of how much they charge to have a will and power of attorney done up just so you can have a bit of a browse and to think about that. Did you want me to send that email Yes. through Sounds to you? good. Sounds Yeah.","start_word":5448,"end_word":5631,"sentiment":"neutral","sentiment_score":0.02650071680545807},{"text":"good. I appreciate that. Thank you. Fantastic.","start_word":5632,"end_word":5638,"sentiment":"positive","sentiment_score":0.6188105344772339},{"text":"Sometimes it's just good to start to get get the conversation started or in your case to sort of get the the thought process moving a little bit, have a think about how much it might cost, and when and if this might be, you know, preferable to do for yourself. You've got your super and your life insurance with your beneficiaries there, but everything else you've worked so hard for outside of those things. You know, Yeah. in the Definitely. event of passing, you wanna have, you know, pulled together and passed to the person that, you know, you want them to go to and distributed Yeah. Definitely. as per your wishes. Yeah.","start_word":5639,"end_word":5752,"sentiment":"neutral","sentiment_score":0.06865628063678741},{"text":"Beautiful. That's basically everything there. I've just sort of gone through and had a really good look.","start_word":5753,"end_word":5769,"sentiment":"positive","sentiment_score":0.5589572191238403},{"text":"It looks to me like that high growth environment for your risk profile is still appropriate. Did you wanna review that at the moment, or you still feel happy remaining in No. that high I'm growth happy. environment? I'm I'm happy with that. Yes. Yep. Yep.","start_word":5770,"end_word":5815,"sentiment":"neutral","sentiment_score":0.1864144802093506},{"text":"Beautiful.","start_word":5816,"end_word":5816,"sentiment":"positive","sentiment_score":0.43048912286758423},{"text":"And do you have any questions or anything else that you might want me to look at for you or No. rundown I'm all good. or yep. No. All Beautiful. good for now.","start_word":5817,"end_word":5849,"sentiment":"neutral","sentiment_score":0.09842100739479064},{"text":"All good. Thank you.","start_word":5850,"end_word":5853,"sentiment":"positive","sentiment_score":0.3867899179458618},{"text":"Easy. Well, what I'll do is we'll get that updated and your review documents out to you. I'll do offer transaction without advice for the reduction of your the reduction of your income protection cover. We'll also get an updated quote ready for that one as well so we can send everything to you to be signed and returned in action.","start_word":5854,"end_word":5914,"sentiment":"neutral","sentiment_score":0.12225580215454102},{"text":"My team Awesome. will Thank also you.","start_word":5915,"end_word":5921,"sentiment":"positive","sentiment_score":0.3517689108848572},{"text":"send through the solicitor's information there for you. And if you find you have any questions at any point, let me know, but we'll definitely do a catch up in three months there for you as well. Does that Amazing. sound okay? I Have that I sounds missed great. anything? No. You've nailed it.","start_word":5922,"end_word":5975,"sentiment":"neutral","sentiment_score":0.15137742459774017},{"text":"Lovely.","start_word":5976,"end_word":5976,"sentiment":"positive","sentiment_score":0.37953633069992065},{"text":"Oh, and so the beneficiaries, we'll make sure we get those actioned for you and sent out and completed. Okay.","start_word":5977,"end_word":5996,"sentiment":"neutral","sentiment_score":0.2244633585214615},{"text":"Sounds good. I appreciate that. Thank you. Easy. Looking nice, easy one today for you.","start_word":5997,"end_word":6011,"sentiment":"positive","sentiment_score":0.5871623754501343},{"text":"Once those documents all come through with the annual review, have a look through them. I've also got all the ones I went through attached to you. Just look at the financial services guide in there for you, which outlines everything about who I am and OCF Financial are. And if you are happy to stay on board for the next twelve months, we'll just get you to sign the ongoing service agreement and run that back to us.","start_word":6012,"end_word":6090,"sentiment":"neutral","sentiment_score":0.20471744239330292},{"text":"It does Awesome. outline your ongoing service fee at 1.65% per annum, which is calculated and deducted in smaller monthly income is from your super fast services there.","start_word":6091,"end_word":6118,"sentiment":"positive","sentiment_score":0.42409127950668335},{"text":"But do you have any questions about how the fee works or anything related to that? No. I no. I don't. That all makes sense.","start_word":6119,"end_word":6143,"sentiment":"neutral","sentiment_score":-0.046292781829833984},{"text":"Oh, beautiful. Well, thank you so much for your time today, Jason. It's been a real pleasure. I hope you have a wonderful afternoon. I appreciate it. Thank you very much. You too.","start_word":6144,"end_word":6176,"sentiment":"positive","sentiment_score":0.7756977081298828},{"text":"No worries. I'll talk Okay. to you soon.","start_word":6177,"end_word":6184,"sentiment":"neutral","sentiment_score":0.1481957882642746},{"text":"I'll get Sounds all those actioned good. for you. Thanks Awesome. so much. Thank you. See See you you.","start_word":6185,"end_word":6203,"sentiment":"positive","sentiment_score":0.5093344449996948},{"text":"later. Bye. Bye.","start_word":6204,"end_word":6206,"sentiment":"neutral","sentiment_score":0.1706865429878235}],"average":{"sentiment":"neutral","sentiment_score":0.09654932093799562}}}}