{"metadata":{"transaction_key":"deprecated","request_id":"019dacfb-11be-7663-ae0d-f0812820c4dd","sha256":"869aa7308836e78dac560cb7e216f972c83e8d02704aca641f669cfa0dac3006","created":"2026-04-20T22:20:32.593Z","duration":919.07996,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3480,"output_tokens":97},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3868,"output_tokens":3876},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3868,"output_tokens":261}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Christopher. It's Dana from Oakey Financial. How are you this morning? That's good. I had you booked in to go through an updated advice document. Is now still a good time there for you? Oh, let me just adjust my headset and see if that's better. Is that a little bit better for you? That's okay. No. You're right. Is that a bit better? Yes. I can hear you. Can you hear me okay? Okay. Is this yeah. Because I can hear you perfectly fine, but I have I had a couple of my colleagues be told that maybe our heads are a little bit quiet. So I might just bring that up with our IT department and get them to have a look at that a bit later. But can you hear me enough to kinda go through things now? Or yeah. That's okay. I'll try to just stick to the main points. Let me know if things get a bit quiet or if you want me to repeat anything. Okay? All good. Now, Chris, do you happen to have access to your emails at the moment at all, or is now not a good time to look at your emails? If you're not, that's okay. Driving. Yep. That's okay. That's not a problem at all. Now we obviously did your annual review late last year, and I wanted to go back and update your advice document for you. We are working towards your retirement goals and making sure your super is working as hard as possible. So this is an update to your strategy to show you where you're tracking and what changes I wanna make to help keep you in a better position moving forward. Okay? With this one here, before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that? Yep. Beautiful. And as to the security, I am discussing your personal information, so I do need to check. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Beautiful. Thank you so much for that. I just thought we're checking since we caught up late last year. Has there been any changes to your circumstances at all? Is there anything major that we should sort of note? No. Well, let me know when you do. All good. So, Christopher, also to keep it, this is the point that I have to touch on. I've emailed the document through to you, so you're welcome to have a bit of a look at that document. What we'll get you to do once you've read it through is to sign it, return it back to me so I can make the changes and proceed moving forward with everything for you. Okay? Now this document has been scoped to areas of superannuation for you. We are looking at maximizing your goals, helping you work towards being able to retire. Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like. And in retirement, you're hoping to draw about $70,000 in income. That could change. That was just what we had when we spoke last time, but we'll keep updating these goals as your life changes. Okay? We've scoped in areas of super annual sorry. Of areas of estate planning as well. One of the big things to note was that you didn't have any beneficiary nominations nominated to your super. You wanted your super to be left to both of your children, and you may have mentioned to me that your your will needed to be updated, that it had your ex partner on there. Have you updated your will since we last called up? Mhmm. Absolutely. I yeah. I can hear you still perfectly. Are you is it easier for you? Oh, beautiful. That's okay. So sorry. I with your with your the estate planning side of things, just sort of recapping there, we discussed last year that you had a will previously done up, but it had your ex partner on there. Is that will still the way it have you had it updated since we last caught up? Yes. Yeah. No. That's okay. Not a problem at all. I have scoped in areas there for you of estate planning to make sure things are nominated in the correct way, and I can send through some information on a local solicitor to give you a bit of an idea of how much it might cost and what it looks like to to sort of start the process for you. Okay? We had initially talked about insurances like life, TBD, income protection. You didn't wanna sort of look at any of those at that time. We have scoped that out of the advise. Yeah. That's Yeah. Yeah. Absolutely. Yep. Yeah. That's okay. Yeah. Absolutely. Well, when that time come absolutely. When that time comes there, Chris, let me know. We can have a really good chat around what they are, how they work, the, you know, the approximate cost of those things, how they're structured, how they're paid for, and then you can always let me know what you want, and we can make those recommendations to help you. Okay? Beautiful. Now on this document, when you are looking at it, it does have it's been prepared for yourself as of the April 7 this year. Our documents are valid for sixty days from the date that they have been written. However, we can always sign after the fact. It's just a matter of making sure your circumstances haven't changed. And it's got my representative license number on there. So I'm represent I'm sorry. I'm authorized representative of OQ Financial, and I'm licensed through Aftik, and my license number is 1304394. Okay? Yeah. Absolutely. The address I have here is the Blue Gum Drive. Is that gonna be different moving forward? Yep. Whereabouts are you moving to now? Yep. Yep. Okay. Perfect. No worries at all. 4127. Easy. And that's Queensland too, isn't it? Same state. Yep. Perfect. Not a problem at all. I'll update that for you. Thank you for letting me know. Appreciate that. Now I'll I'll jump into the the advice. Essentially, with this one here, we've had a bit of a look at the way your super was invested over the last couple of years. We wanted to make sure that, obviously, with the changes in the market that your super is continuously providing business growth, that it is working harder for you. So I am making some changes for your superannuation. I'll be removing some of the investments you're currently invested in. One of those being, sorry, we'll be looking at removing the Monistad Global Tech, the Asia, the China New Economy, the Global Robotics, and the battery and lithium tech. Selling all of those down you into some of the cybersecurity, some European and US exposure, also making sure that you're invested in the Australian economy to sort of rebalancing that a little bit, and also making sure that we're in some physical gold. So at the moment, you don't seem to have a lot of physical gold in there. We'll be adding that into your portfolio and also adding a little more a bit more diversification by investing you in the Vanguard all world f US India as well. Essentially, to make this really easy for you because you're not really looking at the documents there, when I went back and had a really good look at your last portfolio, that has worked really well for the last couple of years there, but we wanna make sure that, obviously, you're invested in a way that is working harder for you. Investments that might have been right down the track might need to change and be updated moving forward to keep your portfolio is value changing with the times. And you've probably noticed there's a lot going on in the world at the moment. Markets have been a bit up and down. So you're still in that high growth environment, which sees that 90% of your super investment in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then it's about 10% defensive investments. When we kinda touched base last year, we did that risk profile questionnaire. You were happy to stay in that environment because you're not wanting to retire to the age of 65 or 67 depending on sort of where you're tracking for. So we're keeping you in that kind of environment, but just updating the investments to make sure that they you are invested in a as much we can control as much risk as possible, making sure the investments have a good track record and that, yeah, working harder for you. When I had a look at the high growth portfolio you were in currently, when we look at the five year rolling average, it's averaged about 8.98 over the last five years. The newer portfolio that we're putting you in is more of a passively managed portfolio. It provides a bit more diversification there for you, and over the past five years has averaged about 11.67%. So if the market's performed the way they have over the past five years with that portfolio, you could see yourself having a greater gainer in the longer term over the next sort of five to ten years, which can put you in a better position towards your retirement goals there. So we are removed yeah. So we are removing some of the underlying investments that might not have performed as well, or we are cementing some of the gains that some of those previous investments have sort of have provided for us so that we can have those gains, you know, essentially reinvested elsewhere so you're benefiting from those. Okay? We've it's important that I do make you note that there are tax consequences for your super for this. So this has got nothing it doesn't affect you in any way, shape, or form, but your super fund does a tax return every year the same way you technically do. And when we look the way we're making the changes by selling some of the investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459. So once we complete the investment switch there, we expect the CGT of $4.59. Your your super fund will automatically cover that and deal with that in the back end. You'll hardly even notice it, and you'll just sort of see your investment switching. We'll be doing a lot in the back end there for you. Okay? The advantage to sort of swapping a lot of these investments out is that it's also gonna reduce the investment fees for you. So we can, with the research, show that we're saving about a $139 for the first year on investment fees. So it means less fees coming out of your account and more money reinvested for you moving forward. Okay? Beautiful. I've also got in here a bit of a retirement calculator. Because one thing I wanted to sort of look at with you is where we're tracking forward. So if you were, based on the changes that we are making, look to retire at around about age 65, You can draw that so you can sort of draw the income you're after, but to get longevity out of your super, you would be able to draw about $50,008.04 8 in income. That's also considering your overall eligibility towards Centrelink as well. We'd estimate your super and Centrelink eligibility would all last up until about age 91. If you're able to and willing to keep working to age 67, you get a bit more longevity out of your super, and it still shows that, you know, we've got eligibility for Centrelink down the track as well. And as you get closer, I will help you monitor that. And when you get to that point, we will look at retirement, how you draw things down, and what Centrelink eligibility and how that can benefit you moving forward. Does that make sense so far? Yeah. So with the recommendations, we're getting closer to meeting your goal. We're not quite there. Both of these retirement projections show that we're a little bit off. It's at the worst point about $19,000 per year off from where your goal income is, but we can also look down the track at additional contributions. We can look at, you know, putting more money into super and keep on track to see where things are heading for you. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Beautiful. Beautiful. Absolutely. Most definitely. And when you're ready to do that, have a conversation with me. We can update the advice and show you what that looks like, and keep kind of looking at the projected outcome for a time. And so you kinda see where you're tracking for and what we're looking at down the track. Okay? Beautiful. Now when you do get that advice document, I kinda wanted to be careful to sort of limiting how much I go through with this. Feel free to have a look at the changes in the investments there. Have a look at the projection table, and let me know if you do happen to have any questions. We're still keeping you in that high growth environment there. The other thing I did have to make mention is that for the last couple of years, we've sort of kept looking after everything, but we haven't been charging our ongoing service fee for you. Moving forward, because your balance is doing really well, it is sort of increasing and projecting forward you're doing very well. I am gonna have to turn that fee back on. Our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments. We wanna make sure your sleep is making that 1.65% on a yearly basis, but then you're getting additional growth on top of that. Okay? So I have factored that into the projections. It still does show that you were tracking really well, but for us to continue monitoring and looking after everything and updating the advice and helping you along, we do have to turn our ongoing service feedback on. 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Christopher. It's Dana from Oakey Financial. How are you this morning? That's good. I had you booked in to go through an updated advice document.\n\nIs now still a good time there for you? Oh, let me just adjust my headset and see if that's better. Is that a little bit better for you? That's okay. No.\n\nYou're right. Is that a bit better? Yes. I can hear you. Can you hear me okay?\n\nOkay. Is this yeah. Because I can hear you perfectly fine, but I have I had a couple of my colleagues be told that maybe our heads are a little bit quiet. So I might just bring that up with our IT department and get them to have a look at that a bit later. But can you hear me enough to kinda go through things now?\n\nOr yeah. That's okay. I'll try to just stick to the main points. Let me know if things get a bit quiet or if you want me to repeat anything. Okay?\n\nAll good. Now, Chris, do you happen to have access to your emails at the moment at all, or is now not a good time to look at your emails? If you're not, that's okay. Driving. Yep.\n\nThat's okay. That's not a problem at all. Now we obviously did your annual review late last year, and I wanted to go back and update your advice document for you. We are working towards your retirement goals and making sure your super is working as hard as possible. So this is an update to your strategy to show you where you're tracking and what changes I wanna make to help keep you in a better position moving forward.\n\nOkay? With this one here, before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that? Yep. Beautiful.\n\nAnd as to the security, I am discussing your personal information, so I do need to check. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Beautiful.\n\nThank you so much for that. I just thought we're checking since we caught up late last year. Has there been any changes to your circumstances at all? Is there anything major that we should sort of note? No.\n\nWell, let me know when you do. All good. So, Christopher, also to keep it, this is the point that I have to touch on. I've emailed the document through to you, so you're welcome to have a bit of a look at that document. What we'll get you to do once you've read it through is to sign it, return it back to me so I can make the changes and proceed moving forward with everything for you.\n\nOkay? Now this document has been scoped to areas of superannuation for you. We are looking at maximizing your goals, helping you work towards being able to retire. Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like. And in retirement, you're hoping to draw about $70,000 in income.\n\nThat could change. That was just what we had when we spoke last time, but we'll keep updating these goals as your life changes. Okay? We've scoped in areas of super annual sorry. Of areas of estate planning as well.\n\nOne of the big things to note was that you didn't have any beneficiary nominations nominated to your super. You wanted your super to be left to both of your children, and you may have mentioned to me that your your will needed to be updated, that it had your ex partner on there. Have you updated your will since we last called up? Mhmm. Absolutely.\n\nI yeah. I can hear you still perfectly. Are you is it easier for you? Oh, beautiful. That's okay.\n\nSo sorry. I with your with your the estate planning side of things, just sort of recapping there, we discussed last year that you had a will previously done up, but it had your ex partner on there. Is that will still the way it have you had it updated since we last caught up? Yes. Yeah.\n\nNo. That's okay. Not a problem at all. I have scoped in areas there for you of estate planning to make sure things are nominated in the correct way, and I can send through some information on a local solicitor to give you a bit of an idea of how much it might cost and what it looks like to to sort of start the process for you. Okay?\n\nWe had initially talked about insurances like life, TBD, income protection. You didn't wanna sort of look at any of those at that time. We have scoped that out of the advise. Yeah. That's Yeah.\n\nYeah. Absolutely. Yep. Yeah. That's okay.\n\nYeah. Absolutely. Well, when that time come absolutely. When that time comes there, Chris, let me know. We can have a really good chat around what they are, how they work, the, you know, the approximate cost of those things, how they're structured, how they're paid for, and then you can always let me know what you want, and we can make those recommendations to help you.\n\nOkay? Beautiful. Now on this document, when you are looking at it, it does have it's been prepared for yourself as of the April 7 this year. Our documents are valid for sixty days from the date that they have been written. However, we can always sign after the fact.\n\nIt's just a matter of making sure your circumstances haven't changed. And it's got my representative license number on there. So I'm represent I'm sorry. I'm authorized representative of OQ Financial, and I'm licensed through Aftik, and my license number is 1304394. Okay?\n\nYeah. Absolutely. The address I have here is the Blue Gum Drive. Is that gonna be different moving forward? Yep.\n\nWhereabouts are you moving to now? Yep. Yep. Okay. Perfect.\n\nNo worries at all. 4127. Easy. And that's Queensland too, isn't it? Same state.\n\nYep. Perfect. Not a problem at all. I'll update that for you. Thank you for letting me know.\n\nAppreciate that. Now I'll I'll jump into the the advice. Essentially, with this one here, we've had a bit of a look at the way your super was invested over the last couple of years. We wanted to make sure that, obviously, with the changes in the market that your super is continuously providing business growth, that it is working harder for you. So I am making some changes for your superannuation.\n\nI'll be removing some of the investments you're currently invested in. One of those being, sorry, we'll be looking at removing the Monistad Global Tech, the Asia, the China New Economy, the Global Robotics, and the battery and lithium tech. Selling all of those down you into some of the cybersecurity, some European and US exposure, also making sure that you're invested in the Australian economy to sort of rebalancing that a little bit, and also making sure that we're in some physical gold. So at the moment, you don't seem to have a lot of physical gold in there. We'll be adding that into your portfolio and also adding a little more a bit more diversification by investing you in the Vanguard all world f US India as well.\n\nEssentially, to make this really easy for you because you're not really looking at the documents there, when I went back and had a really good look at your last portfolio, that has worked really well for the last couple of years there, but we wanna make sure that, obviously, you're invested in a way that is working harder for you. Investments that might have been right down the track might need to change and be updated moving forward to keep your portfolio is value changing with the times. And you've probably noticed there's a lot going on in the world at the moment. Markets have been a bit up and down. So you're still in that high growth environment, which sees that 90% of your super investment in growth assets, so things like Australian shares, international shares, listed property, and also commodities.\n\nAnd then it's about 10% defensive investments. When we kinda touched base last year, we did that risk profile questionnaire. You were happy to stay in that environment because you're not wanting to retire to the age of 65 or 67 depending on sort of where you're tracking for. So we're keeping you in that kind of environment, but just updating the investments to make sure that they you are invested in a as much we can control as much risk as possible, making sure the investments have a good track record and that, yeah, working harder for you. When I had a look at the high growth portfolio you were in currently, when we look at the five year rolling average, it's averaged about 8.98 over the last five years.\n\nThe newer portfolio that we're putting you in is more of a passively managed portfolio. It provides a bit more diversification there for you, and over the past five years has averaged about 11.67%. So if the market's performed the way they have over the past five years with that portfolio, you could see yourself having a greater gainer in the longer term over the next sort of five to ten years, which can put you in a better position towards your retirement goals there. So we are removed yeah. So we are removing some of the underlying investments that might not have performed as well, or we are cementing some of the gains that some of those previous investments have sort of have provided for us so that we can have those gains, you know, essentially reinvested elsewhere so you're benefiting from those.\n\nOkay? We've it's important that I do make you note that there are tax consequences for your super for this. So this has got nothing it doesn't affect you in any way, shape, or form, but your super fund does a tax return every year the same way you technically do. And when we look the way we're making the changes by selling some of the investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459. So once we complete the investment switch there, we expect the CGT of $4.59.\n\nYour your super fund will automatically cover that and deal with that in the back end. You'll hardly even notice it, and you'll just sort of see your investment switching. We'll be doing a lot in the back end there for you. Okay? The advantage to sort of swapping a lot of these investments out is that it's also gonna reduce the investment fees for you.\n\nSo we can, with the research, show that we're saving about a $139 for the first year on investment fees. So it means less fees coming out of your account and more money reinvested for you moving forward. Okay? Beautiful. I've also got in here a bit of a retirement calculator.\n\nBecause one thing I wanted to sort of look at with you is where we're tracking forward. So if you were, based on the changes that we are making, look to retire at around about age 65, You can draw that so you can sort of draw the income you're after, but to get longevity out of your super, you would be able to draw about $50,008.04 8 in income. That's also considering your overall eligibility towards Centrelink as well. We'd estimate your super and Centrelink eligibility would all last up until about age 91. If you're able to and willing to keep working to age 67, you get a bit more longevity out of your super, and it still shows that, you know, we've got eligibility for Centrelink down the track as well.\n\nAnd as you get closer, I will help you monitor that. And when you get to that point, we will look at retirement, how you draw things down, and what Centrelink eligibility and how that can benefit you moving forward. Does that make sense so far? Yeah. So with the recommendations, we're getting closer to meeting your goal.\n\nWe're not quite there. Both of these retirement projections show that we're a little bit off. It's at the worst point about $19,000 per year off from where your goal income is, but we can also look down the track at additional contributions. We can look at, you know, putting more money into super and keep on track to see where things are heading for you. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Beautiful. Beautiful. Absolutely.\n\nMost definitely. And when you're ready to do that, have a conversation with me. We can update the advice and show you what that looks like, and keep kind of looking at the projected outcome for a time. And so you kinda see where you're tracking for and what we're looking at down the track. Okay?\n\nBeautiful. Now when you do get that advice document, I kinda wanted to be careful to sort of limiting how much I go through with this. Feel free to have a look at the changes in the investments there. Have a look at the projection table, and let me know if you do happen to have any questions. We're still keeping you in that high growth environment there.\n\nThe other thing I did have to make mention is that for the last couple of years, we've sort of kept looking after everything, but we haven't been charging our ongoing service fee for you. Moving forward, because your balance is doing really well, it is sort of increasing and projecting forward you're doing very well. I am gonna have to turn that fee back on. Our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments.\n\nWe wanna make sure your sleep is making that 1.65% on a yearly basis, but then you're getting additional growth on top of that. Okay? So I have factored that into the projections. It still does show that you were tracking really well, but for us to continue monitoring and looking after everything and updating the advice and helping you along, we do have to turn our ongoing service feedback on. Okay?","paragraphs":[{"sentences":[{"text":"Hi, Christopher.","start":1.92,"end":2.72,"sentiment":"neutral","sentiment_score":0.12855617702007294},{"text":"It's Dana from Oakey Financial.","start":2.72,"end":4.26,"sentiment":"neutral","sentiment_score":0.21408571600914},{"text":"How are you this morning?","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.2639865428209305},{"text":"That's good.","start":7.7599998,"end":8.32,"sentiment":"positive","sentiment_score":0.7329621911048889},{"text":"I had you booked in to go through an updated advice document.","start":8.32,"end":10.96,"sentiment":"positive","sentiment_score":0.46995625148216885}],"sentiment":"positive","sentiment_score":0.3751105018533193,"num_words":26,"start":1.92,"end":10.96},{"sentences":[{"text":"Is now still a good time there for you?","start":10.96,"end":12.9,"sentiment":"positive","sentiment_score":0.37496838967005414},{"text":"Oh, let me just adjust my headset and see if that's better.","start":17.025,"end":19.824999,"sentiment":"neutral","sentiment_score":-0.006620383510986964},{"text":"Is that a little bit better for you?","start":19.824999,"end":21.525,"sentiment":"neutral","sentiment_score":0.026533797848969698},{"text":"That's okay.","start":25.519999,"end":26.419998,"sentiment":"neutral","sentiment_score":0.021296439692378044},{"text":"No.","start":31.279999,"end":31.519999,"sentiment":"neutral","sentiment_score":-0.05243612825870514}],"sentiment":"neutral","sentiment_score":0.10930306371301413,"num_words":32,"start":10.96,"end":31.519999},{"sentences":[{"text":"You're right.","start":31.519999,"end":32.339996,"sentiment":"neutral","sentiment_score":-0.014144128188490868},{"text":"Is that a bit better?","start":36.879997,"end":38.1,"sentiment":"neutral","sentiment_score":-0.015098142996430397},{"text":"Yes.","start":46.905,"end":47.225,"sentiment":"neutral","sentiment_score":0.016878895461559296},{"text":"I can hear you.","start":47.225,"end":48.025,"sentiment":"neutral","sentiment_score":0.005439108936116099},{"text":"Can you hear me okay?","start":48.025,"end":49.165,"sentiment":"neutral","sentiment_score":-0.005656150355935097}],"sentiment":"neutral","sentiment_score":-0.005495552466634442,"num_words":17,"start":31.519999,"end":49.165},{"sentences":[{"text":"Okay.","start":51.239998,"end":51.64,"sentiment":"neutral","sentiment_score":-0.000479002483189106},{"text":"Is this yeah.","start":51.64,"end":55.019997,"sentiment":"neutral","sentiment_score":-0.014094533398747444},{"text":"Because I can hear you perfectly fine, but I have I had a couple of my colleagues be told that maybe our heads are a little bit quiet.","start":55.32,"end":62.12,"sentiment":"neutral","sentiment_score":-0.09746881401432413},{"text":"So I might just bring that up with our IT department and get them to have a look at that a bit later.","start":62.12,"end":66.585,"sentiment":"neutral","sentiment_score":-0.04032912963758344},{"text":"But can you hear me enough to kinda go through things now?","start":66.585,"end":70.105,"sentiment":"neutral","sentiment_score":-0.028689003239075344}],"sentiment":"neutral","sentiment_score":-0.0603541405315497,"num_words":67,"start":51.239998,"end":70.105},{"sentences":[{"text":"Or yeah.","start":70.105,"end":74.345,"sentiment":"neutral","sentiment_score":0.0059270961210131645},{"text":"That's okay.","start":74.345,"end":74.985,"sentiment":"neutral","sentiment_score":0.09187469258904457},{"text":"I'll try to just stick to the main points.","start":74.985,"end":76.65,"sentiment":"neutral","sentiment_score":0.08738815701670116},{"text":"Let me know if things get a bit quiet or if you want me to repeat anything.","start":76.65,"end":79.77,"sentiment":"neutral","sentiment_score":0.01518955295357634},{"text":"Okay?","start":79.77,"end":80.27,"sentiment":"neutral","sentiment_score":0.02984274923801422}],"sentiment":"neutral","sentiment_score":0.0409729722586851,"num_words":31,"start":70.105,"end":80.27},{"sentences":[{"text":"All good.","start":82.33,"end":82.81,"sentiment":"neutral","sentiment_score":0.1585334688425064},{"text":"Now, Chris, do you happen to have access to your emails at the moment at all, or is now not a good time to look at your emails?","start":82.81,"end":88.81,"sentiment":"neutral","sentiment_score":-0.03809889582251864},{"text":"If you're not, that's okay.","start":88.81,"end":90.03,"sentiment":"neutral","sentiment_score":-0.039157151244580746},{"text":"Driving.","start":92.205,"end":92.685005,"sentiment":"neutral","sentiment_score":0.009020219556987286},{"text":"Yep.","start":92.685005,"end":92.925,"sentiment":"neutral","sentiment_score":0.06075340509414673}],"sentiment":"neutral","sentiment_score":-0.023667953430196724,"num_words":37,"start":82.33,"end":92.925},{"sentences":[{"text":"That's okay.","start":92.925,"end":93.485,"sentiment":"neutral","sentiment_score":0.12488998472690582},{"text":"That's not a problem at all.","start":93.485,"end":94.865005,"sentiment":"neutral","sentiment_score":0.2174597904086113},{"text":"Now we obviously did your annual review late last year, and I wanted to go back and update your advice document for you.","start":94.925,"end":100.285,"sentiment":"neutral","sentiment_score":0.19815673711507217},{"text":"We are working towards your retirement goals and making sure your super is working as hard as possible.","start":100.285,"end":104.865005,"sentiment":"neutral","sentiment_score":0.17205742332670423},{"text":"So this is an update to your strategy to show you where you're tracking and what changes I wanna make to help keep you in a better position moving forward.","start":105.05,"end":112.33,"sentiment":"neutral","sentiment_score":0.2190895289182663}],"sentiment":"neutral","sentiment_score":0.19977041965798487,"num_words":79,"start":92.925,"end":112.33},{"sentences":[{"text":"Okay?","start":112.33,"end":112.83,"sentiment":"neutral","sentiment_score":0.09060101211071014},{"text":"With this one here, before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":114.57,"end":119.745,"sentiment":"neutral","sentiment_score":0.06366826069575769},{"text":"Moving forward, are you happy for me to proceed with that?","start":119.805,"end":122.545,"sentiment":"positive","sentiment_score":0.3930721879005432},{"text":"Yep.","start":123.965,"end":124.365,"sentiment":"neutral","sentiment_score":0.23201769590377808},{"text":"Beautiful.","start":124.365,"end":124.865,"sentiment":"positive","sentiment_score":0.6513903141021729}],"sentiment":"neutral","sentiment_score":0.17114258848312425,"num_words":41,"start":112.33,"end":124.865},{"sentences":[{"text":"And as to the security, I am discussing your personal information, so I do need to check.","start":124.925,"end":128.685,"sentiment":"neutral","sentiment_score":0.12403334195122999},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":128.685,"end":132.545,"sentiment":"neutral","sentiment_score":0.07462974088756662},{"text":"Yep.","start":135.46,"end":135.96,"sentiment":"neutral","sentiment_score":0.02575793489813805},{"text":"Beautiful.","start":142.18001,"end":142.68001,"sentiment":"positive","sentiment_score":0.5074877142906189},{"text":"Beautiful.","start":142.98001,"end":143.48001,"sentiment":"positive","sentiment_score":0.6017143726348877}],"sentiment":"neutral","sentiment_score":0.11952543363739283,"num_words":39,"start":124.925,"end":143.48001},{"sentences":[{"text":"Thank you so much for that.","start":143.54001,"end":145.185,"sentiment":"positive","sentiment_score":0.6849878231684366},{"text":"I just thought we're checking since we caught up late last year.","start":146.065,"end":148.465,"sentiment":"neutral","sentiment_score":0.2299010455608368},{"text":"Has there been any changes to your circumstances at all?","start":148.465,"end":151.265,"sentiment":"neutral","sentiment_score":0.04249318689107895},{"text":"Is there anything major that we should sort of note?","start":151.265,"end":153.685,"sentiment":"neutral","sentiment_score":-0.1378880999982357},{"text":"No.","start":156.545,"end":157.045,"sentiment":"negative","sentiment_score":-0.35079121589660645}],"sentiment":"neutral","sentiment_score":0.14266664458390993,"num_words":39,"start":143.54001,"end":157.045},{"sentences":[{"text":"Well, let me know when you do.","start":157.105,"end":159.36499,"sentiment":"neutral","sentiment_score":0.07721318091664996},{"text":"All good.","start":162.47,"end":163.37,"sentiment":"positive","sentiment_score":0.35767051577568054},{"text":"So, Christopher, also to keep it, this is the point that I have to touch on.","start":163.43001,"end":166.63,"sentiment":"neutral","sentiment_score":0.07276743929833174},{"text":"I've emailed the document through to you, so you're welcome to have a bit of a look at that document.","start":166.63,"end":170.57,"sentiment":"neutral","sentiment_score":0.19007656760513783},{"text":"What we'll get you to do once you've read it through is to sign it, return it back to me so I can make the changes and proceed moving forward with everything for you.","start":170.87,"end":177.48499,"sentiment":"neutral","sentiment_score":0.19240523392663283}],"sentiment":"neutral","sentiment_score":0.16156229914366443,"num_words":79,"start":157.105,"end":177.48499},{"sentences":[{"text":"Okay?","start":177.48499,"end":177.98499,"sentiment":"neutral","sentiment_score":0.08547486364841461},{"text":"Now this document has been scoped to areas of superannuation for you.","start":179.165,"end":182.92499,"sentiment":"neutral","sentiment_score":0.13534139096736908},{"text":"We are looking at maximizing your goals, helping you work towards being able to retire.","start":182.92499,"end":187.34499,"sentiment":"neutral","sentiment_score":0.2559036801258723},{"text":"Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like.","start":187.805,"end":194.6,"sentiment":"neutral","sentiment_score":0.12387331575155258},{"text":"And in retirement, you're hoping to draw about $70,000 in income.","start":194.81999,"end":198.9,"sentiment":"neutral","sentiment_score":0.10497517545114864}],"sentiment":"neutral","sentiment_score":0.15406354757085924,"num_words":62,"start":177.48499,"end":198.9},{"sentences":[{"text":"That could change.","start":198.9,"end":199.94,"sentiment":"neutral","sentiment_score":0.07906807214021683},{"text":"That was just what we had when we spoke last time, but we'll keep updating these goals as your life changes.","start":199.94,"end":206.00499,"sentiment":"neutral","sentiment_score":0.14085473297607332},{"text":"Okay?","start":206.06499,"end":206.56499,"sentiment":"neutral","sentiment_score":0.08749109506607056},{"text":"We've scoped in areas of super annual sorry.","start":208.385,"end":210.94499,"sentiment":"neutral","sentiment_score":0.009165878094790969},{"text":"Of areas of estate planning as well.","start":210.94499,"end":212.965,"sentiment":"neutral","sentiment_score":0.017839438148907254}],"sentiment":"neutral","sentiment_score":0.08702119489462348,"num_words":40,"start":198.9,"end":212.965},{"sentences":[{"text":"One of the big things to note was that you didn't have any beneficiary nominations nominated to your super.","start":213.025,"end":218.64499,"sentiment":"neutral","sentiment_score":-0.11838015972783691},{"text":"You wanted your super to be left to both of your children, and you may have mentioned to me that your your will needed to be updated, that it had your ex partner on there.","start":219.18999,"end":227.45,"sentiment":"neutral","sentiment_score":0.014038155627037798},{"text":"Have you updated your will since we last called up?","start":227.51,"end":230.25,"sentiment":"neutral","sentiment_score":0.01879451423883438},{"text":"Mhmm.","start":234.08499,"end":234.58499,"sentiment":"neutral","sentiment_score":0.02970733307301998},{"text":"Absolutely.","start":235.525,"end":236.025,"sentiment":"neutral","sentiment_score":0.0944921374320984}],"sentiment":"neutral","sentiment_score":-0.021905196590744185,"num_words":66,"start":213.025,"end":236.025},{"sentences":[{"text":"I yeah.","start":254.5,"end":255.06001,"sentiment":"neutral","sentiment_score":0.18206211924552915},{"text":"I can hear you still perfectly.","start":255.06001,"end":256.5,"sentiment":"neutral","sentiment_score":0.22219467411438623},{"text":"Are you is it easier for you?","start":256.5,"end":258.12,"sentiment":"neutral","sentiment_score":0.14790670573711395},{"text":"Oh, beautiful.","start":260.695,"end":261.435,"sentiment":"positive","sentiment_score":0.44472575187683105},{"text":"That's okay.","start":262.455,"end":263.275,"sentiment":"neutral","sentiment_score":0.32248206436634064}],"sentiment":"neutral","sentiment_score":0.2245818345170272,"num_words":19,"start":254.5,"end":263.275},{"sentences":[{"text":"So sorry.","start":263.415,"end":264.155,"sentiment":"neutral","sentiment_score":0.004066120833158493},{"text":"I with your with your the estate planning side of things, just sort of recapping there, we discussed last year that you had a will previously done up, but it had your ex partner on there.","start":265.495,"end":276.59,"sentiment":"neutral","sentiment_score":0.03607557460458742},{"text":"Is that will still the way it have you had it updated since we last caught up?","start":276.59,"end":281.41,"sentiment":"neutral","sentiment_score":0.02499253543860772},{"text":"Yes.","start":288.60498,"end":288.925,"sentiment":"neutral","sentiment_score":-0.012619806453585625},{"text":"Yeah.","start":288.925,"end":289.425,"sentiment":"neutral","sentiment_score":-0.024000469595193863}],"sentiment":"neutral","sentiment_score":0.02973869743577221,"num_words":57,"start":263.415,"end":289.425},{"sentences":[{"text":"No.","start":294.60498,"end":294.84497,"sentiment":"neutral","sentiment_score":-0.0672139823436737},{"text":"That's okay.","start":294.84497,"end":295.5,"sentiment":"neutral","sentiment_score":0.03468124708160758},{"text":"Not a problem at all.","start":295.74,"end":296.7,"sentiment":"neutral","sentiment_score":0.17320501208305358},{"text":"I have scoped in areas there for you of estate planning to make sure things are nominated in the correct way, and I can send through some information on a local solicitor to give you a bit of an idea of how much it might cost and what it looks like to to sort of start the process for you.","start":296.7,"end":311.11502,"sentiment":"neutral","sentiment_score":0.12427813907464345},{"text":"Okay?","start":311.11502,"end":311.61502,"sentiment":"neutral","sentiment_score":0.05736451968550682}],"sentiment":"neutral","sentiment_score":0.12148154255650613,"num_words":69,"start":294.60498,"end":311.61502},{"sentences":[{"text":"We had initially talked about insurances like life, TBD, income protection.","start":313.27502,"end":317.83502,"sentiment":"neutral","sentiment_score":0.0032218814912167463},{"text":"You didn't wanna sort of look at any of those at that time.","start":317.83502,"end":321.05502,"sentiment":"neutral","sentiment_score":-0.04790686214199433},{"text":"We have scoped that out of the advise.","start":321.55,"end":323.49,"sentiment":"neutral","sentiment_score":-0.06299623870290816},{"text":"Yeah.","start":325.15,"end":325.38998,"sentiment":"neutral","sentiment_score":-0.01995204761624336},{"text":"That's Yeah.","start":325.38998,"end":328.77,"sentiment":"neutral","sentiment_score":-0.042494102381169796}],"sentiment":"neutral","sentiment_score":-0.034178819241268296,"num_words":35,"start":313.27502,"end":328.77},{"sentences":[{"text":"Yeah.","start":337.965,"end":338.445,"sentiment":"neutral","sentiment_score":0.1034923419356346},{"text":"Absolutely.","start":338.445,"end":338.945,"sentiment":"neutral","sentiment_score":0.07928219437599182},{"text":"Yep.","start":343.725,"end":344.225,"sentiment":"neutral","sentiment_score":0.045233529061079025},{"text":"Yeah.","start":346.06,"end":346.56,"sentiment":"neutral","sentiment_score":-0.0015345951542258265},{"text":"That's okay.","start":348.38,"end":349.36,"sentiment":"neutral","sentiment_score":-0.11802762374281883}],"sentiment":"neutral","sentiment_score":-0.0015969628778596718,"num_words":6,"start":337.965,"end":349.36},{"sentences":[{"text":"Yeah.","start":350.53998,"end":351.03998,"sentiment":"neutral","sentiment_score":0.0030599385499954224},{"text":"Absolutely.","start":351.25998,"end":351.75998,"sentiment":"neutral","sentiment_score":0.1207030713558197},{"text":"Well, when that time come absolutely.","start":351.97998,"end":355.68,"sentiment":"neutral","sentiment_score":0.0046509817863504095},{"text":"When that time comes there, Chris, let me know.","start":355.97998,"end":358.335,"sentiment":"neutral","sentiment_score":0.1707840296957228},{"text":"We can have a really good chat around what they are, how they work, the, you know, the approximate cost of those things, how they're structured, how they're paid for, and then you can always let me know what you want, and we can make those recommendations to help you.","start":358.41498,"end":369.85498,"sentiment":"neutral","sentiment_score":0.2408820140361786}],"sentiment":"neutral","sentiment_score":0.20496755029394556,"num_words":67,"start":350.53998,"end":369.85498},{"sentences":[{"text":"Okay?","start":369.85498,"end":370.35498,"sentiment":"neutral","sentiment_score":0.12334506958723068},{"text":"Beautiful.","start":371.9,"end":372.4,"sentiment":"positive","sentiment_score":0.6014236211776733},{"text":"Now on this document, when you are looking at it, it does have it's been prepared for yourself as of the April 7 this year.","start":373.18,"end":379.44,"sentiment":"neutral","sentiment_score":0.19820923507213592},{"text":"Our documents are valid for sixty days from the date that they have been written.","start":379.66,"end":383.34,"sentiment":"neutral","sentiment_score":0.13891242841879528},{"text":"However, we can always sign after the fact.","start":383.34,"end":385.49503,"sentiment":"neutral","sentiment_score":0.0919578867033124}],"sentiment":"neutral","sentiment_score":0.1699869817495346,"num_words":50,"start":369.85498,"end":385.49503},{"sentences":[{"text":"It's just a matter of making sure your circumstances haven't changed.","start":385.49503,"end":388.715,"sentiment":"neutral","sentiment_score":0.0679297528483651},{"text":"And it's got my representative license number on there.","start":389.49503,"end":392.05502,"sentiment":"neutral","sentiment_score":0.0767334070470598},{"text":"So I'm represent I'm sorry.","start":392.05502,"end":393.17502,"sentiment":"neutral","sentiment_score":0.02899404540657997},{"text":"I'm authorized representative of OQ Financial, and I'm licensed through Aftik, and my license number is 1304394.","start":393.17502,"end":399.975,"sentiment":"neutral","sentiment_score":0.03328994212343412},{"text":"Okay?","start":399.975,"end":400.475,"sentiment":"neutral","sentiment_score":0.027758244425058365}],"sentiment":"neutral","sentiment_score":0.05061594028632308,"num_words":43,"start":385.49503,"end":400.475},{"sentences":[{"text":"Yeah.","start":406.69,"end":406.93,"sentiment":"neutral","sentiment_score":0.026736047118902206},{"text":"Absolutely.","start":406.93,"end":407.43,"sentiment":"neutral","sentiment_score":0.07204802334308624},{"text":"The address I have here is the Blue Gum Drive.","start":407.81,"end":410.93,"sentiment":"neutral","sentiment_score":0.03133918289095163},{"text":"Is that gonna be different moving forward?","start":410.93,"end":413.11,"sentiment":"neutral","sentiment_score":0.01764782438320773},{"text":"Yep.","start":414.835,"end":415.315,"sentiment":"neutral","sentiment_score":0.016263138502836227}],"sentiment":"neutral","sentiment_score":0.027598690427839755,"num_words":20,"start":406.69,"end":415.315},{"sentences":[{"text":"Whereabouts are you moving to now?","start":415.315,"end":417.415,"sentiment":"neutral","sentiment_score":0.0070103150404368835},{"text":"Yep.","start":421.475,"end":421.975,"sentiment":"neutral","sentiment_score":0.010966196656227112},{"text":"Yep.","start":425.97,"end":426.47,"sentiment":"neutral","sentiment_score":0.01198442094027996},{"text":"Okay.","start":433.09,"end":433.59,"sentiment":"neutral","sentiment_score":0.043411076068878174},{"text":"Perfect.","start":433.65,"end":434.15,"sentiment":"neutral","sentiment_score":0.0926358550786972}],"sentiment":"neutral","sentiment_score":0.020105943898670375,"num_words":10,"start":415.315,"end":434.15},{"sentences":[{"text":"No worries at all.","start":439.105,"end":440.065,"sentiment":"neutral","sentiment_score":0.01139941904693842},{"text":"4127.","start":440.065,"end":441.445,"sentiment":"neutral","sentiment_score":0.023482156917452812},{"text":"Easy.","start":441.505,"end":441.905,"sentiment":"neutral","sentiment_score":0.06773260980844498},{"text":"And that's Queensland too, isn't it?","start":441.905,"end":443.765,"sentiment":"neutral","sentiment_score":0.03268697795768579},{"text":"Same state.","start":443.98502,"end":444.725,"sentiment":"neutral","sentiment_score":0.032818686217069626}],"sentiment":"neutral","sentiment_score":0.02846940593527896,"num_words":14,"start":439.105,"end":444.725},{"sentences":[{"text":"Yep.","start":445.185,"end":445.505,"sentiment":"neutral","sentiment_score":0.11314191669225691},{"text":"Perfect.","start":445.505,"end":445.98502,"sentiment":"neutral","sentiment_score":0.31432244181632996},{"text":"Not a problem at all.","start":445.98502,"end":447.025,"sentiment":"neutral","sentiment_score":0.3023981750011444},{"text":"I'll update that for you.","start":447.025,"end":447.98502,"sentiment":"positive","sentiment_score":0.37964563369750975},{"text":"Thank you for letting me know.","start":447.98502,"end":449.185,"sentiment":"positive","sentiment_score":0.6049625873565674}],"sentiment":"positive","sentiment_score":0.4148588292300701,"num_words":18,"start":445.185,"end":449.185},{"sentences":[{"text":"Appreciate that.","start":449.185,"end":450.165,"sentiment":"positive","sentiment_score":0.5498754680156708},{"text":"Now I'll I'll jump into the the advice.","start":450.97998,"end":453.3,"sentiment":"neutral","sentiment_score":0.048842033836990595},{"text":"Essentially, with this one here, we've had a bit of a look at the way your super was invested over the last couple of years.","start":453.3,"end":458.9,"sentiment":"neutral","sentiment_score":0.061258887201547624},{"text":"We wanted to make sure that, obviously, with the changes in the market that your super is continuously providing business growth, that it is working harder for you.","start":458.9,"end":467.315,"sentiment":"neutral","sentiment_score":0.06157266641301768},{"text":"So I am making some changes for your superannuation.","start":467.375,"end":469.715,"sentiment":"neutral","sentiment_score":0.07061225838131374}],"sentiment":"neutral","sentiment_score":0.07474311627447605,"num_words":72,"start":449.185,"end":469.715},{"sentences":[{"text":"I'll be removing some of the investments you're currently invested in.","start":470.095,"end":473.555,"sentiment":"neutral","sentiment_score":-0.07912393964149735},{"text":"One of those being, sorry, we'll be looking at removing the Monistad Global Tech, the Asia, the China New Economy, the Global Robotics, and the battery and lithium tech.","start":473.695,"end":485.73,"sentiment":"neutral","sentiment_score":-0.031963092724567856},{"text":"Selling all of those down you into some of the cybersecurity, some European and US exposure, also making sure that you're invested in the Australian economy to sort of rebalancing that a little bit, and also making sure that we're in some physical gold.","start":485.87,"end":500.97,"sentiment":"neutral","sentiment_score":0.0557196887887337},{"text":"So at the moment, you don't seem to have a lot of physical gold in there.","start":500.97,"end":504.41,"sentiment":"neutral","sentiment_score":0.06556041864678264},{"text":"We'll be adding that into your portfolio and also adding a little more a bit more diversification by investing you in the Vanguard all world f US India as well.","start":504.41,"end":514.11,"sentiment":"neutral","sentiment_score":0.2685297856728236}],"sentiment":"neutral","sentiment_score":0.07507102730898903,"num_words":130,"start":470.095,"end":514.11},{"sentences":[{"text":"Essentially, to make this really easy for you because you're not really looking at the documents there, when I went back and had a really good look at your last portfolio, that has worked really well for the last couple of years there, but we wanna make sure that, obviously, you're invested in a way that is working harder for you.","start":515.09503,"end":530.77,"sentiment":"neutral","sentiment_score":0.3279114264200945},{"text":"Investments that might have been right down the track might need to change and be updated moving forward to keep your portfolio is value changing with the times.","start":530.91,"end":539.23,"sentiment":"neutral","sentiment_score":0.10873917383807045},{"text":"And you've probably noticed there's a lot going on in the world at the moment.","start":539.23,"end":542.37,"sentiment":"neutral","sentiment_score":-0.03544401762386163},{"text":"Markets have been a bit up and down.","start":542.735,"end":544.83496,"sentiment":"neutral","sentiment_score":-0.13650680799037218},{"text":"So you're still in that high growth environment, which sees that 90% of your super investment in growth assets, so things like Australian shares, international shares, listed property, and also commodities.","start":547.375,"end":557.63495,"sentiment":"neutral","sentiment_score":0.09677400391909384}],"sentiment":"neutral","sentiment_score":0.1707942186874318,"num_words":143,"start":515.09503,"end":557.63495},{"sentences":[{"text":"And then it's about 10% defensive investments.","start":558.35004,"end":561.31006,"sentiment":"neutral","sentiment_score":0.09890041074582509},{"text":"When we kinda touched base last year, we did that risk profile questionnaire.","start":561.31006,"end":564.75,"sentiment":"neutral","sentiment_score":0.06264050412349977},{"text":"You were happy to stay in that environment because you're not wanting to retire to the age of 65 or 67 depending on sort of where you're tracking for.","start":564.75,"end":572.78503,"sentiment":"positive","sentiment_score":0.46404358025254877},{"text":"So we're keeping you in that kind of environment, but just updating the investments to make sure that they you are invested in a as much we can control as much risk as possible, making sure the investments have a good track record and that, yeah, working harder for you.","start":573.405,"end":587.51996,"sentiment":"positive","sentiment_score":0.4693195533752441},{"text":"When I had a look at the high growth portfolio you were in currently, when we look at the five year rolling average, it's averaged about 8.98 over the last five years.","start":588.45996,"end":598.24,"sentiment":"neutral","sentiment_score":0.1728979991748929}],"sentiment":"positive","sentiment_score":0.3355924190725875,"num_words":131,"start":558.35004,"end":598.24},{"sentences":[{"text":"The newer portfolio that we're putting you in is more of a passively managed portfolio.","start":598.54,"end":602.945,"sentiment":"neutral","sentiment_score":0.264544474085172},{"text":"It provides a bit more diversification there for you, and over the past five years has averaged about 11.67%.","start":602.945,"end":609.84503,"sentiment":"positive","sentiment_score":0.42055412342673854},{"text":"So if the market's performed the way they have over the past five years with that portfolio, you could see yourself having a greater gainer in the longer term over the next sort of five to ten years, which can put you in a better position towards your retirement goals there.","start":609.905,"end":623.63,"sentiment":"positive","sentiment_score":0.5688997542156893},{"text":"So we are removed yeah.","start":623.63,"end":626.76996,"sentiment":"neutral","sentiment_score":0.1546959862112999},{"text":"So we are removing some of the underlying investments that might not have performed as well, or we are cementing some of the gains that some of those previous investments have sort of have provided for us so that we can have those gains, you know, essentially reinvested elsewhere so you're benefiting from those.","start":626.91,"end":644.94,"sentiment":"neutral","sentiment_score":0.2023186962361689}],"sentiment":"positive","sentiment_score":0.36577272534163463,"num_words":144,"start":598.54,"end":644.94},{"sentences":[{"text":"Okay?","start":645.18,"end":645.68,"sentiment":"neutral","sentiment_score":0.09759195894002914},{"text":"We've it's important that I do make you note that there are tax consequences for your super for this.","start":647.42,"end":652.06,"sentiment":"neutral","sentiment_score":-0.018209781007547127},{"text":"So this has got nothing it doesn't affect you in any way, shape, or form, but your super fund does a tax return every year the same way you technically do.","start":652.06,"end":659.265,"sentiment":"neutral","sentiment_score":0.0915065492323089},{"text":"And when we look the way we're making the changes by selling some of the investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459.","start":659.745,"end":671.10504,"sentiment":"neutral","sentiment_score":0.10480554034989892},{"text":"So once we complete the investment switch there, we expect the CGT of $4.59.","start":671.10504,"end":678.01,"sentiment":"neutral","sentiment_score":0.1381242232663291}],"sentiment":"neutral","sentiment_score":0.08143501125789267,"num_words":98,"start":645.18,"end":678.01},{"sentences":[{"text":"Your your super fund will automatically cover that and deal with that in the back end.","start":678.70996,"end":682.79,"sentiment":"neutral","sentiment_score":0.19191032485105097},{"text":"You'll hardly even notice it, and you'll just sort of see your investment switching.","start":682.79,"end":686.965,"sentiment":"neutral","sentiment_score":0.09795545281044074},{"text":"We'll be doing a lot in the back end there for you.","start":686.965,"end":689.145,"sentiment":"neutral","sentiment_score":0.3077191623548667},{"text":"Okay?","start":689.205,"end":689.705,"sentiment":"neutral","sentiment_score":0.14609670639038086},{"text":"The advantage to sort of swapping a lot of these investments out is that it's also gonna reduce the investment fees for you.","start":691.28503,"end":697.445,"sentiment":"positive","sentiment_score":0.58643878283708}],"sentiment":"neutral","sentiment_score":0.329829699952494,"num_words":66,"start":678.70996,"end":697.445},{"sentences":[{"text":"So we can, with the research, show that we're saving about a $139 for the first year on investment fees.","start":697.445,"end":704.16,"sentiment":"positive","sentiment_score":0.6396053075790405},{"text":"So it means less fees coming out of your account and more money reinvested for you moving forward.","start":704.16,"end":710.01996,"sentiment":"positive","sentiment_score":0.671239415804545},{"text":"Okay?","start":710.16,"end":710.66,"sentiment":"neutral","sentiment_score":0.2986692190170288},{"text":"Beautiful.","start":712.155,"end":712.655,"sentiment":"positive","sentiment_score":0.7231242656707764},{"text":"I've also got in here a bit of a retirement calculator.","start":713.355,"end":715.835,"sentiment":"positive","sentiment_score":0.3697985505515879}],"sentiment":"positive","sentiment_score":0.5875292779768214,"num_words":51,"start":697.445,"end":715.835},{"sentences":[{"text":"Because one thing I wanted to sort of look at with you is where we're tracking forward.","start":715.835,"end":719.275,"sentiment":"neutral","sentiment_score":0.20339566206230836},{"text":"So if you were, based on the changes that we are making, look to retire at around about age 65, You can draw that so you can sort of draw the income you're after, but to get longevity out of your super, you would be able to draw about $50,008.04 8 in income.","start":719.275,"end":737.0,"sentiment":"neutral","sentiment_score":0.2571803292013564},{"text":"That's also considering your overall eligibility towards Centrelink as well.","start":737.0,"end":741.805,"sentiment":"neutral","sentiment_score":0.1787514328956604},{"text":"We'd estimate your super and Centrelink eligibility would all last up until about age 91.","start":741.86505,"end":748.28503,"sentiment":"neutral","sentiment_score":0.22718789478143056},{"text":"If you're able to and willing to keep working to age 67, you get a bit more longevity out of your super, and it still shows that, you know, we've got eligibility for Centrelink down the track as well.","start":748.66504,"end":760.81,"sentiment":"positive","sentiment_score":0.41649023462564516}],"sentiment":"neutral","sentiment_score":0.287512952267234,"num_words":134,"start":715.835,"end":760.81},{"sentences":[{"text":"And as you get closer, I will help you monitor that.","start":760.81,"end":764.055,"sentiment":"neutral","sentiment_score":0.22423079745336014},{"text":"And when you get to that point, we will look at retirement, how you draw things down, and what Centrelink eligibility and how that can benefit you moving forward.","start":764.135,"end":772.375,"sentiment":"neutral","sentiment_score":0.2995100201203905},{"text":"Does that make sense so far?","start":772.375,"end":773.995,"sentiment":"neutral","sentiment_score":0.18575031558672586},{"text":"Yeah.","start":775.575,"end":776.055,"sentiment":"neutral","sentiment_score":0.07241503894329071},{"text":"So with the recommendations, we're getting closer to meeting your goal.","start":776.055,"end":779.175,"sentiment":"neutral","sentiment_score":0.1303294307806275}],"sentiment":"neutral","sentiment_score":0.23746327631946268,"num_words":58,"start":760.81,"end":779.175},{"sentences":[{"text":"We're not quite there.","start":779.175,"end":780.11,"sentiment":"neutral","sentiment_score":-0.2029656171798706},{"text":"Both of these retirement projections show that we're a little bit off.","start":780.11,"end":783.64996,"sentiment":"neutral","sentiment_score":-0.2008729875087738},{"text":"It's at the worst point about $19,000 per year off from where your goal income is, but we can also look down the track at additional contributions.","start":784.19,"end":793.08997,"sentiment":"neutral","sentiment_score":-0.10554056794003204},{"text":"We can look at, you know, putting more money into super and keep on track to see where things are heading for you.","start":793.755,"end":799.055,"sentiment":"neutral","sentiment_score":0.21368908428627512},{"text":"Okay.","start":799.115,"end":799.615,"sentiment":"neutral","sentiment_score":0.13347208499908447}],"sentiment":"neutral","sentiment_score":-0.0152778004421227,"num_words":67,"start":779.175,"end":799.615},{"sentences":[{"text":"Yeah.","start":807.45,"end":807.95,"sentiment":"neutral","sentiment_score":0.10619612038135529},{"text":"Yeah.","start":819.065,"end":819.565,"sentiment":"neutral","sentiment_score":0.0921027660369873},{"text":"Yeah.","start":826.105,"end":826.605,"sentiment":"neutral","sentiment_score":0.14974583685398102},{"text":"Yeah.","start":831.08,"end":831.58,"sentiment":"neutral","sentiment_score":0.06898327171802521},{"text":"Yeah.","start":833.32,"end":833.82,"sentiment":"neutral","sentiment_score":0.08179545402526855}],"sentiment":"neutral","sentiment_score":0.09976468980312347,"num_words":5,"start":807.45,"end":833.82},{"sentences":[{"text":"Yep.","start":834.36,"end":834.86,"sentiment":"neutral","sentiment_score":0.12082497775554656},{"text":"Yeah.","start":835.8,"end":836.3,"sentiment":"neutral","sentiment_score":0.2828110456466675},{"text":"Beautiful.","start":836.36,"end":836.86,"sentiment":"positive","sentiment_score":0.5723445415496826},{"text":"Beautiful.","start":837.4,"end":837.9,"sentiment":"positive","sentiment_score":0.5916244983673096},{"text":"Absolutely.","start":838.44,"end":838.94,"sentiment":"positive","sentiment_score":0.5078747272491455}],"sentiment":"positive","sentiment_score":0.41509595811367034,"num_words":5,"start":834.36,"end":838.94},{"sentences":[{"text":"Most definitely.","start":839.32,"end":840.14,"sentiment":"positive","sentiment_score":0.47131238877773285},{"text":"And when you're ready to do that, have a conversation with me.","start":840.44,"end":843.16,"sentiment":"neutral","sentiment_score":0.24407789235313734},{"text":"We can update the advice and show you what that looks like, and keep kind of looking at the projected outcome for a time.","start":843.16,"end":849.185,"sentiment":"neutral","sentiment_score":0.227596969033281},{"text":"And so you kinda see where you're tracking for and what we're looking at down the track.","start":849.185,"end":853.425,"sentiment":"neutral","sentiment_score":0.10718099685276256},{"text":"Okay?","start":853.425,"end":853.925,"sentiment":"neutral","sentiment_score":0.0957956463098526}],"sentiment":"neutral","sentiment_score":0.2009242738464049,"num_words":56,"start":839.32,"end":853.925},{"sentences":[{"text":"Beautiful.","start":855.505,"end":856.005,"sentiment":"positive","sentiment_score":0.4618293046951294},{"text":"Now when you do get that advice document, I kinda wanted to be careful to sort of limiting how much I go through with this.","start":856.305,"end":861.94,"sentiment":"neutral","sentiment_score":-0.15494024842977525},{"text":"Feel free to have a look at the changes in the investments there.","start":862.4,"end":864.96,"sentiment":"neutral","sentiment_score":0.027665641731940784},{"text":"Have a look at the projection table, and let me know if you do happen to have any questions.","start":864.96,"end":868.66003,"sentiment":"neutral","sentiment_score":0.12317263766338951},{"text":"We're still keeping you in that high growth environment there.","start":868.80005,"end":871.725,"sentiment":"neutral","sentiment_score":0.1134328369051218}],"sentiment":"neutral","sentiment_score":0.006214484134141137,"num_words":68,"start":855.505,"end":871.725},{"sentences":[{"text":"The other thing I did have to make mention is that for the last couple of years, we've sort of kept looking after everything, but we haven't been charging our ongoing service fee for you.","start":871.96497,"end":880.785,"sentiment":"neutral","sentiment_score":-0.035497066006064414},{"text":"Moving forward, because your balance is doing really well, it is sort of increasing and projecting forward you're doing very well.","start":880.925,"end":886.88995,"sentiment":"positive","sentiment_score":0.34992686765534536},{"text":"I am gonna have to turn that fee back on.","start":886.88995,"end":889.31,"sentiment":"neutral","sentiment_score":0.03653356898576021},{"text":"Our ongoing service fee is 1.65% per annum.","start":889.76996,"end":893.31,"sentiment":"neutral","sentiment_score":0.033293808344751596},{"text":"It is deducted in smaller monthly increments.","start":893.61,"end":895.85,"sentiment":"neutral","sentiment_score":0.06367196195891925}],"sentiment":"neutral","sentiment_score":0.08868465186269195,"num_words":81,"start":871.96497,"end":895.85},{"sentences":[{"text":"We wanna make sure your sleep is making that 1.65% on a yearly basis, but then you're getting additional growth on top of that.","start":895.85,"end":902.385,"sentiment":"neutral","sentiment_score":0.10494037081177036},{"text":"Okay?","start":902.625,"end":903.125,"sentiment":"neutral","sentiment_score":0.06551776826381683},{"text":"So I have factored that into the projections.","start":904.305,"end":906.325,"sentiment":"neutral","sentiment_score":0.13877461664378643},{"text":"It still does show that you were tracking really well, but for us to continue monitoring and looking after everything and updating the advice and helping you along, we do have to turn our ongoing service feedback on.","start":906.385,"end":917.365,"sentiment":"neutral","sentiment_score":0.31518566412361043},{"text":"Okay?","start":917.505,"end":918.005,"sentiment":"neutral","sentiment_score":-0.11627011001110076}],"sentiment":"neutral","sentiment_score":0.21604262121642628,"num_words":72,"start":895.85,"end":918.005}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. Yeah. I can barely hear you for some reason. No. I wanna take my tea. Yeah. I'm a just have to adjust more than one take. I'm a try that. No. One take. One take. You there? Yeah. Just must be might be the area I'm in that's also. Yeah. We'll give it a go. Yep. Okay. Yeah. Yeah. Yep. Chris Pickles, '10 to 471, And 35 Blue Gum. Close to Mira. No. No. No. I haven't won the lottery yet. I stole the same. Yeah. Yes. Yeah. Wait a sec. I'll I'll just try my other earpiece in to see if that that helps. Okay. Can you just wait a sec? Up? What we got here? K. Is that better? Alright. Alright. Yep. Yep. I can hear you. That's okay. No. No. I I haven't it's it's sort of a thing that you should really get on to straight away, but but I I I hadn't got around to it, honestly. Okay. Yeah. I'm I'm about I'm about the same place with with all that at the moment. I'm just I'm just trying to trying to trying to go through life and let the dust settle from the and I'll split up with the x and, you know, and just basically get my feet back on the ground. And then I can have a look at all all that other insurances, which I I am interested in. But, yeah, at the moment, it's just the next crisis at the moment. Just trying to trying to get busy with that. Yes. Yes. Yeah. Can while I've got you, can I only change my address? Because I've just moved. Yes. Okay. It's Number 3 Coventry, C 0 B E N T E R Y, Coventry Court, Flax Creek. And that's 4 shit. 4127. K. Yes. It is. Yes. Yes. Mhmm. Yes. Yes. Yes. Yes. Yes. Sounds like a plan. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Oh, that's that's the plan because I've I've got probably two years left and I've got to change all maintenance anymore. So I can actually look at contributing a bit to that because I'm I'm I'm used to it. Because they're going to my wages, so I'm actually in a comfortable spot. Yeah. I've got I've got I've got one one boy left to pay for for two years. That's it. I'll see his birds, so to speak. But that's that's that's that's my aim. As soon as that's done and done, then I could start contributing each week into the into the system, which helps me in the long run. Yes. 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Good. Thank you. Yeah. I can barely hear you for some reason.\n\nNo. I wanna take my tea. Yeah. I'm a just have to adjust more than one take. I'm a try that.\n\nNo. One take. One take. You there? Yeah.\n\nJust must be might be the area I'm in that's also. Yeah. We'll give it a go. Yep. Okay.\n\nYeah. Yeah. Yep. Chris Pickles, '10 to 471, And 35 Blue Gum. Close to Mira.\n\nNo. No. No. I haven't won the lottery yet. I stole the same.\n\nYeah. Yes. Yeah. Wait a sec. I'll I'll just try my other earpiece in to see if that that helps.\n\nOkay. Can you just wait a sec? Up? What we got here? K.\n\nIs that better? Alright. Alright. Yep. Yep.\n\nI can hear you. That's okay. No. No. I I haven't it's it's sort of a thing that you should really get on to straight away, but but I I I hadn't got around to it, honestly.\n\nOkay. Yeah. I'm I'm about I'm about the same place with with all that at the moment. I'm just I'm just trying to trying to trying to go through life and let the dust settle from the and I'll split up with the x and, you know, and just basically get my feet back on the ground. And then I can have a look at all all that other insurances, which I I am interested in.\n\nBut, yeah, at the moment, it's just the next crisis at the moment. Just trying to trying to get busy with that. Yes. Yes. Yeah.\n\nCan while I've got you, can I only change my address? Because I've just moved. Yes. Okay. It's Number 3 Coventry, C 0 B E N T E R Y, Coventry Court, Flax Creek.\n\nAnd that's 4 shit. 4127. K. Yes. It is.\n\nYes. Yes. Mhmm. Yes. Yes.\n\nYes. Yes. Yes. Sounds like a plan. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Oh, that's that's the plan because I've I've got probably two years left and I've got to change all maintenance anymore. So I can actually look at contributing a bit to that because I'm I'm I'm used to it. 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go.","start":72.615005,"end":79.535,"sentiment":"neutral","sentiment_score":0.03146495465189218},{"text":"Yep.","start":81.095,"end":81.415,"sentiment":"neutral","sentiment_score":0.0347646102309227},{"text":"Okay.","start":81.415,"end":81.915,"sentiment":"neutral","sentiment_score":0.08956289291381836}],"sentiment":"neutral","sentiment_score":0.0030039598381048755,"num_words":19,"start":50.025,"end":81.915},{"sentences":[{"text":"Yeah.","start":105.795,"end":106.295,"sentiment":"neutral","sentiment_score":0.1189863458275795},{"text":"Yeah.","start":113.090004,"end":113.590004,"sentiment":"neutral","sentiment_score":0.04744341969490051},{"text":"Yep.","start":123.090004,"end":123.590004,"sentiment":"neutral","sentiment_score":0.1478503793478012},{"text":"Chris Pickles, '10 to 471, And 35 Blue Gum.","start":133.885,"end":138.145,"sentiment":"neutral","sentiment_score":0.020271092239353392},{"text":"Close to Mira.","start":138.15,"end":142.17,"sentiment":"neutral","sentiment_score":0.03907079994678497}],"sentiment":"neutral","sentiment_score":0.04092882499098778,"num_words":15,"start":105.795,"end":142.17},{"sentences":[{"text":"No.","start":151.215,"end":151.715,"sentiment":"neutral","sentiment_score":-0.13980352878570557},{"text":"No.","start":153.775,"end":154.275,"sentiment":"neutral","sentiment_score":-0.33300718665122986},{"text":"No.","start":154.415,"end":154.575,"sentiment":"negative","sentiment_score":-0.3601118326187134},{"text":"I haven't won the lottery yet.","start":154.575,"end":156.015,"sentiment":"negative","sentiment_score":-0.3962553044160207},{"text":"I stole the same.","start":156.015,"end":157.315,"sentiment":"neutral","sentiment_score":-0.2528794892132282}],"sentiment":"neutral","sentiment_score":-0.3247671024157451,"num_words":13,"start":151.215,"end":157.315},{"sentences":[{"text":"Yeah.","start":171.18,"end":171.68,"sentiment":"neutral","sentiment_score":0.08843782544136047},{"text":"Yes.","start":177.98,"end":178.48,"sentiment":"neutral","sentiment_score":0.11544492840766908},{"text":"Yeah.","start":206.81,"end":207.31,"sentiment":"neutral","sentiment_score":0.028965365141630173},{"text":"Wait a sec.","start":229.53,"end":230.25,"sentiment":"neutral","sentiment_score":0.011405382926265398},{"text":"I'll I'll just try my other earpiece in to see if that that helps.","start":230.25,"end":233.77,"sentiment":"neutral","sentiment_score":0.03628187879387822}],"sentiment":"neutral","sentiment_score":0.03875052854418755,"num_words":20,"start":171.18,"end":233.77},{"sentences":[{"text":"Okay.","start":233.77,"end":234.09,"sentiment":"neutral","sentiment_score":0.034231510013341904},{"text":"Can you just wait a sec?","start":234.09,"end":235.39,"sentiment":"neutral","sentiment_score":0.02144223436092337},{"text":"Up?","start":236.385,"end":236.885,"sentiment":"neutral","sentiment_score":0.053831085562705994},{"text":"What we got here?","start":238.14499,"end":239.205,"sentiment":"neutral","sentiment_score":0.0608940776437521},{"text":"K.","start":252.91,"end":253.15001,"sentiment":"neutral","sentiment_score":0.0687502920627594}],"sentiment":"neutral","sentiment_score":0.04069558495225815,"num_words":13,"start":233.77,"end":253.15001},{"sentences":[{"text":"Is that better?","start":253.15001,"end":253.97,"sentiment":"neutral","sentiment_score":0.1085245634118716},{"text":"Alright.","start":256.11002,"end":256.61002,"sentiment":"neutral","sentiment_score":0.19658420979976657},{"text":"Alright.","start":257.31,"end":257.81,"sentiment":"neutral","sentiment_score":0.18303725123405457},{"text":"Yep.","start":257.87,"end":258.37,"sentiment":"neutral","sentiment_score":0.10444401204586028},{"text":"Yep.","start":258.75,"end":259.15,"sentiment":"neutral","sentiment_score":0.12623193860054016}],"sentiment":"neutral","sentiment_score":0.13369587170226233,"num_words":7,"start":253.15001,"end":259.15},{"sentences":[{"text":"I can hear you.","start":259.15,"end":260.13,"sentiment":"neutral","sentiment_score":0.15138009190559387},{"text":"That's okay.","start":264.925,"end":265.665,"sentiment":"neutral","sentiment_score":0.10123756527900696},{"text":"No.","start":282.4,"end":282.9,"sentiment":"neutral","sentiment_score":-0.10011297464370728},{"text":"No.","start":282.96,"end":283.44,"sentiment":"neutral","sentiment_score":-0.1253180205821991},{"text":"I I haven't it's it's sort of a thing that you should really get on to straight away, but but I I I hadn't got around to it, honestly.","start":283.44,"end":294.975,"sentiment":"neutral","sentiment_score":-0.1583099652980936}],"sentiment":"neutral","sentiment_score":-0.10833579704568193,"num_words":37,"start":259.15,"end":294.975},{"sentences":[{"text":"Okay.","start":312.35,"end":312.85,"sentiment":"neutral","sentiment_score":0.02967313677072525},{"text":"Yeah.","start":321.89502,"end":322.135,"sentiment":"neutral","sentiment_score":-0.008857537992298603},{"text":"I'm I'm about I'm about the same place with with all that at the moment.","start":322.135,"end":326.05502,"sentiment":"neutral","sentiment_score":-0.0577330203106006},{"text":"I'm just I'm just trying to trying to trying to go through life and let the dust settle from the and I'll split up with the x and, you know, and just basically get my feet back on the ground.","start":326.05502,"end":338.04,"sentiment":"neutral","sentiment_score":-0.02455336954444647},{"text":"And then I can have a look at all all that other insurances, which I I am interested in.","start":338.58002,"end":345.62003,"sentiment":"neutral","sentiment_score":0.05516863222184934}],"sentiment":"neutral","sentiment_score":-0.010251453624253995,"num_words":76,"start":312.35,"end":345.62003},{"sentences":[{"text":"But, yeah, at the moment, it's just the next crisis at the moment.","start":345.62003,"end":350.655,"sentiment":"neutral","sentiment_score":-0.15308097907556936},{"text":"Just trying to trying to get busy with that.","start":352.155,"end":354.335,"sentiment":"neutral","sentiment_score":-0.08600722004969914},{"text":"Yes.","start":370.49,"end":370.99,"sentiment":"neutral","sentiment_score":0.18734097480773929},{"text":"Yes.","start":371.05002,"end":371.55002,"sentiment":"neutral","sentiment_score":0.2866493761539459},{"text":"Yeah.","start":401.10498,"end":401.60498,"sentiment":"neutral","sentiment_score":0.009659776464104652}],"sentiment":"neutral","sentiment_score":-0.09121870324015617,"num_words":25,"start":345.62003,"end":401.60498},{"sentences":[{"text":"Can while I've got you, can I only change my address?","start":401.745,"end":404.645,"sentiment":"neutral","sentiment_score":-0.02558200518515977},{"text":"Because I've just moved.","start":404.785,"end":406.16498,"sentiment":"neutral","sentiment_score":-0.06271803565323353},{"text":"Yes.","start":413.7,"end":414.2,"sentiment":"neutral","sentiment_score":0.026583820581436157},{"text":"Okay.","start":417.94,"end":418.44,"sentiment":"neutral","sentiment_score":0.019221046939492226},{"text":"It's Number 3 Coventry, C 0 B E N T E R Y, Coventry Court, Flax Creek.","start":418.58,"end":432.385,"sentiment":"neutral","sentiment_score":0.010583269656361902}],"sentiment":"neutral","sentiment_score":-0.009016286705017966,"num_words":34,"start":401.745,"end":432.385},{"sentences":[{"text":"And that's 4 shit.","start":434.92502,"end":437.02502,"sentiment":"neutral","sentiment_score":-0.10433802381157875},{"text":"4127.","start":437.245,"end":438.465,"sentiment":"neutral","sentiment_score":-0.01491284929215908},{"text":"K.","start":439.05002,"end":439.55002,"sentiment":"neutral","sentiment_score":0.006039347965270281},{"text":"Yes.","start":444.01,"end":444.25,"sentiment":"neutral","sentiment_score":0.028278058394789696},{"text":"It is.","start":444.25,"end":444.65,"sentiment":"neutral","sentiment_score":0.04402424953877926}],"sentiment":"neutral","sentiment_score":-0.03443322656676173,"num_words":9,"start":434.92502,"end":444.65},{"sentences":[{"text":"Yes.","start":444.65,"end":445.15,"sentiment":"neutral","sentiment_score":0.06854420900344849},{"text":"Yes.","start":450.57,"end":451.07,"sentiment":"neutral","sentiment_score":0.03571225330233574},{"text":"Mhmm.","start":486.435,"end":486.935,"sentiment":"neutral","sentiment_score":0.011042040772736073},{"text":"Yes.","start":514.995,"end":515.495,"sentiment":"neutral","sentiment_score":0.2274477481842041},{"text":"Yes.","start":538.88,"end":539.38,"sentiment":"neutral","sentiment_score":0.042833082377910614}],"sentiment":"neutral","sentiment_score":0.07711586672812701,"num_words":5,"start":444.65,"end":539.38},{"sentences":[{"text":"Yes.","start":583.31,"end":583.81,"sentiment":"positive","sentiment_score":0.5193408727645874},{"text":"Yes.","start":587.95,"end":588.45,"sentiment":"neutral","sentiment_score":0.22883987426757812},{"text":"Yes.","start":599.005,"end":599.505,"sentiment":"neutral","sentiment_score":0.26092833280563354},{"text":"Sounds like a 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that's that's the plan because I've I've got probably two years left and I've got to change all maintenance anymore.","start":798.85004,"end":805.83,"sentiment":"neutral","sentiment_score":0.11605564841911906},{"text":"So I can actually look at contributing a bit to that because I'm I'm I'm used to it.","start":805.97003,"end":812.465,"sentiment":"neutral","sentiment_score":0.1588972479932838},{"text":"Because they're going to my wages, so I'm actually in a comfortable spot.","start":814.445,"end":818.305,"sentiment":"neutral","sentiment_score":0.25315500222719634}],"sentiment":"neutral","sentiment_score":0.16082698227492748,"num_words":54,"start":774.39,"end":818.305},{"sentences":[{"text":"Yeah.","start":819.405,"end":819.72504,"sentiment":"neutral","sentiment_score":0.10380437970161438},{"text":"I've got I've got I've got one one boy left to pay for for two years.","start":819.72504,"end":823.245,"sentiment":"neutral","sentiment_score":0.04466335731558502},{"text":"That's it.","start":823.245,"end":823.965,"sentiment":"neutral","sentiment_score":0.040068408474326134},{"text":"I'll see his birds, so to speak.","start":823.965,"end":825.485,"sentiment":"neutral","sentiment_score":0.06156521450195994},{"text":"But that's that's that's that's my aim.","start":825.485,"end":828.52,"sentiment":"neutral","sentiment_score":0.2379641139081546}],"sentiment":"neutral","sentiment_score":0.0907654609869827,"num_words":33,"start":819.405,"end":828.52},{"sentences":[{"text":"As soon as that's done and done, then I could start contributing each week into the into the system, which helps me in the long run.","start":828.52,"end":837.9,"sentiment":"neutral","sentiment_score":0.19713642476842955},{"text":"Yes.","start":854.075,"end":854.575,"sentiment":"neutral","sentiment_score":0.15141254663467407},{"text":"Yes.","start":854.71497,"end":855.21497,"sentiment":"neutral","sentiment_score":0.27320602536201477}],"sentiment":"neutral","sentiment_score":0.1982202005705663,"num_words":28,"start":828.52,"end":855.21497}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Christopher. It's Dana from Oakey Financial. How are you this morning?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I had you booked in to go through an updated advice document. Is now still a good time there for you?\n\nChannel 1: Yeah. I can barely hear you for some reason.\n\nChannel 0: Oh, let me just adjust my headset and see if that's better. Is that a little bit better for you?\n\nChannel 1: No. I wanna take my tea.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. I'm a just have to adjust more than one take.\n\nChannel 0: No. You're right.\n\nChannel 1: I'm a try that.\n\nChannel 0: Is that a bit better?\n\nChannel 1: No. One take. One take. You there?\n\nChannel 0: Yes. I can hear you. Can you hear me okay?\n\nChannel 1: Yeah. Just\n\nChannel 0: Okay. Is\n\nChannel 1: must\n\nChannel 0: this\n\nChannel 1: be might be the area I'm in that's also.\n\nChannel 0: yeah. Because I can hear you perfectly fine, but I have I had a couple of my colleagues be told that maybe our heads are a little bit quiet. So I might just bring that up with our IT department and get them to have a look at that a bit later. But can you hear me enough to kinda go through things now? Or\n\nChannel 1: Yeah. We'll give\n\nChannel 0: yeah. That's okay.\n\nChannel 1: it\n\nChannel 0: I'll try to just stick to the main points. Let me know\n\nChannel 1: a\n\nChannel 0: if things get a bit quiet or if you want me to repeat\n\nChannel 1: go.\n\nChannel 0: anything. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: All good. Now, Chris, do you happen to have access to your emails at the moment at all, or is now not a good time to look at your emails? If you're not, that's okay. Driving. Yep.\n\nThat's okay. That's not a problem at all. Now we obviously did your annual review late last year, and I wanted to go back and update your advice document for you. We are working towards your retirement goals and making sure your super is working as hard as possible. So this is an update\n\nChannel 1: Yeah.\n\nChannel 0: to your strategy to show you where you're tracking and what changes I wanna make to help keep you in a better position moving forward. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: With this one here, before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And as to the security, I am discussing your personal information, so I do need to check. I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Chris Pickles, '10 to\n\nChannel 0: Yep.\n\nChannel 1: 471, And 35 Blue Gum. Close to Mira.\n\nChannel 0: Beautiful. Beautiful. Thank you so much for that. I just thought we're checking since we caught up late last year. Has there been any changes to your circumstances at all?\n\nChannel 1: No.\n\nChannel 0: Is there anything major that we should sort of note?\n\nChannel 1: No. No. I haven't won the lottery yet. I stole\n\nChannel 0: No.\n\nChannel 1: the same.\n\nChannel 0: Well, let me know when you do. All good. So, Christopher, also to keep it, this is the point that I have to touch on. I've emailed the document through to you, so you're welcome to have a bit of a look at that document. What we'll get\n\nChannel 1: Yeah.\n\nChannel 0: you to do once you've read it through is to sign it, return it back to me so I can make the changes and proceed moving forward with everything for you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Now this document has been scoped to areas of superannuation for you. We are looking at maximizing your goals, helping you work towards being able to retire. Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like. And in retirement, you're hoping to draw about $70,000 in income. That could change.\n\nThat was just what we had when we spoke last time, but we'll keep updating these goals as your life changes. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: We've scoped in areas of super annual sorry. Of areas of estate planning as well. One of the big things to note was that you didn't have any beneficiary nominations nominated to your super. You wanted your super to be left to both of your children, and you may have mentioned to me that your your will needed to be updated, that it had your ex partner on there. Have you updated your will since we last called\n\nChannel 1: Wait\n\nChannel 0: up?\n\nChannel 1: a sec. I'll I'll just try my other earpiece in to see if that that helps. Okay.\n\nChannel 0: Mhmm.\n\nChannel 1: Can you just wait a sec?\n\nChannel 0: Absolutely.\n\nChannel 1: Up? What we got here? K. Is that better?\n\nChannel 0: I yeah. I can hear you still perfectly.\n\nChannel 1: Alright.\n\nChannel 0: Are you is it easier\n\nChannel 1: Alright.\n\nChannel 0: for you?\n\nChannel 1: Yep. Yep. I can hear you.\n\nChannel 0: Oh, beautiful. That's okay. So sorry.\n\nChannel 1: That's okay.\n\nChannel 0: I with your with your the estate planning side of things, just sort of recapping there, we discussed last year that you had a will previously done up, but it had your ex partner on there. Is that will still the way it have you had it updated since we last caught up?\n\nChannel 1: No. No. I I haven't it's it's sort of a thing that you should really get on to straight away, but\n\nChannel 0: Yes. Yeah.\n\nChannel 1: but I I I hadn't got around to it, honestly.\n\nChannel 0: No. That's okay. Not a problem at all. I have scoped in areas there for you of estate planning to make sure things are nominated in the correct way, and I can send through some information on a local solicitor to give you a bit of an idea of how much it might cost and what it looks like to to sort of start the process for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We had initially talked about insurances like life, TBD, income protection. You didn't wanna sort of look at any of those at that time. We have\n\nChannel 1: Yeah.\n\nChannel 0: scoped\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: I'm\n\nChannel 0: out of the\n\nChannel 1: about\n\nChannel 0: advise.\n\nChannel 1: I'm about the same place with with\n\nChannel 0: Yeah.\n\nChannel 1: all that\n\nChannel 0: That's\n\nChannel 1: at the moment. I'm just I'm just trying to\n\nChannel 0: Yeah.\n\nChannel 1: trying to trying to go through life and let the dust settle from the and I'll split up with the x and, you know, and just basically get my feet back on the ground.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: And then I can have a look at all all that other insurances, which I\n\nChannel 0: Yep.\n\nChannel 1: I am interested in. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, at the moment,\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: okay.\n\nChannel 1: just the next crisis at the moment.\n\nChannel 0: Yeah. Absolutely. Well, when\n\nChannel 1: Just\n\nChannel 0: that\n\nChannel 1: trying\n\nChannel 0: time\n\nChannel 1: to\n\nChannel 0: come\n\nChannel 1: trying to get busy with that.\n\nChannel 0: absolutely. When that time comes there, Chris, let me know. We can have a really good chat around what they are, how they work, the, you know, the approximate cost of those things, how they're structured, how they're paid for, and then you can always let me know what you want, and we can make those recommendations to help you. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. Now on this document, when you are looking at it, it does have it's been prepared for yourself as of the April 7 this year. Our documents are valid for sixty days from the date that they have been written. However, we can always sign after the fact. It's just a matter of making sure your circumstances haven't changed.\n\nAnd it's got my representative license number on there. So I'm represent I'm sorry. I'm authorized representative of OQ Financial, and I'm licensed through Aftik, and my license number is 1304394. Okay?\n\nChannel 1: Yeah. Can while I've got you, can I only change my address? Because I've just moved.\n\nChannel 0: Yeah. Absolutely. The address I have here is the Blue Gum Drive. Is that gonna be different moving forward?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Whereabouts are you moving to now?\n\nChannel 1: Okay. It's Number 3\n\nChannel 0: Yep.\n\nChannel 1: Coventry, C 0 B\n\nChannel 0: Yep.\n\nChannel 1: E N T E R Y, Coventry Court, Flax Creek.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: And that's 4 shit. 4127. K.\n\nChannel 0: No worries at all. 4127. Easy. And that's Queensland too, isn't it? Same\n\nChannel 1: Yes.\n\nChannel 0: state.\n\nChannel 1: It is. Yes.\n\nChannel 0: Yep. Perfect. Not a problem at all. I'll update that for you. Thank you for letting me know.\n\nAppreciate that.\n\nChannel 1: Yes.\n\nChannel 0: Now I'll I'll jump into the the advice. Essentially, with this one here, we've had a bit of a look at the way your super was invested over the last couple of years. We wanted to make sure that, obviously, with the changes in the market that your super is continuously providing business growth, that it is working harder for you. So I am making some changes for your superannuation. I'll be removing some of the investments you're currently invested in.\n\nOne of those being, sorry, we'll be looking at removing the Monistad Global Tech, the Asia, the China New Economy, the Global Robotics, and the battery and lithium tech. Selling all of\n\nChannel 1: Mhmm.\n\nChannel 0: those down you into some of the cybersecurity, some European and US exposure, also making sure that you're invested in the Australian economy to sort of rebalancing that a little bit, and also making sure that we're in some physical gold. So at the moment, you don't seem to have a lot of physical gold in there. We'll be adding that into your portfolio and also adding a little more a bit more diversification by investing you in the Vanguard all world f US India as well.\n\nChannel 1: Yes.\n\nChannel 0: Essentially, to make this really easy for you because you're not really looking at the documents there, when I went back and had a really good look at your last portfolio, that has worked really well for the last couple of years there, but we wanna make sure that, obviously, you're invested in a way that is working harder for you. Investments that might have been right down the track might need to change and be updated moving forward to keep your portfolio is value changing with the\n\nChannel 1: Yes.\n\nChannel 0: times. And you've probably noticed there's a lot going on in the world at the moment. Markets have been a bit up and down. So you're still in that high growth environment, which sees that 90% of your super investment in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then it's about 10% defensive investments.\n\nWhen we kinda touched base last year, we did that risk profile questionnaire. You were happy to stay in that environment because you're not wanting to retire to the age of 65 or 67 depending on sort of where you're tracking for. So we're keeping you in that kind of environment, but just updating the investments to make sure that they you are invested in a as much we can control as much risk as possible, making\n\nChannel 1: Yes.\n\nChannel 0: sure the investments have a good track record and that, yeah, working harder for you.\n\nChannel 1: Yes.\n\nChannel 0: When I had a look at the high growth portfolio you were in currently, when we look at the five year rolling average, it's averaged about 8.98 over the last five years. The newer\n\nChannel 1: Yes.\n\nChannel 0: portfolio that we're putting you in is more of a passively managed portfolio. It provides a bit more diversification there for you, and over the past five years has averaged about 11.67%. So if the market's performed the way they have over the past five years with that portfolio, you could see yourself having a greater gainer in the longer term over the next sort of five to ten years, which can put you in a better position towards your retirement goals there. So\n\nChannel 1: Sounds like\n\nChannel 0: we\n\nChannel 1: a\n\nChannel 0: are\n\nChannel 1: plan.\n\nChannel 0: removed yeah. So we are removing some of the underlying investments that might not have performed as well, or we are cementing some of the gains that some of those previous investments have sort of have provided for us so that we can have those gains, you know, essentially reinvested elsewhere so you're benefiting from those. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We've it's important that I do make you note that there are tax consequences for your super for this. So this has got nothing it doesn't affect you in any way, shape, or form, but your super fund does a tax return every year the same way you technically do. And when we look the way\n\nChannel 1: Yeah.\n\nChannel 0: we're making the changes by selling some of the investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459. So once we complete the investment switch there, we expect the CGT of $4.59. Your your super fund will automatically cover that and deal with that in the back end. You'll hardly even notice it, and you'll\n\nChannel 1: Yep.\n\nChannel 0: just sort of see your investment switching. We'll be doing a lot in the back end there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The advantage to sort of swapping a lot of these investments out is that it's also gonna reduce the investment fees for you. So we can, with the research, show that we're saving about a $139 for the first year on investment fees. So it means less fees coming out of your account and more money reinvested for you moving forward. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. I've also got in here a bit of a retirement calculator. Because one thing I wanted to sort of look at with you is where we're tracking forward. So if you were, based on the changes that we are making, look to retire at around about age 65, You can draw that so you can sort of draw the income you're after, but to get longevity out of your super, you would be able to draw about $50,008.04 8 in income. That's also considering your overall eligibility towards Centrelink as well.\n\nWe'd estimate your super and Centrelink eligibility would all last up until about age 91. If you're able to and willing to keep working to age 67, you get a bit more longevity out of your super, and it still shows that, you know, we've got eligibility for Centrelink down the track as well. And as you get closer, I will help you monitor that. And when you get to that point, we will look at retirement, how you draw things down, and what Centrelink eligibility and how that can benefit you moving forward. Does that make sense so far?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So with the recommendations, we're getting closer to meeting your goal. We're not quite there. Both of these retirement projections show that we're a little bit off. It's at the worst point about $19,000 per year off from where your goal income is, but we can\n\nChannel 1: Yep.\n\nChannel 0: also look down the track at additional contributions. We can look at, you know, putting more money into super and keep on track to see where things are heading for you.\n\nChannel 1: Oh, that's\n\nChannel 0: Okay.\n\nChannel 1: that's the plan because I've I've got probably two years left and I've got to change all maintenance anymore. So I can actually\n\nChannel 0: Yeah.\n\nChannel 1: look at contributing a bit to that because I'm I'm I'm used to it. Because they're going to my wages, so I'm actually in a comfortable spot.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I've got I've got I've got one one boy left to pay for for two years. That's it. I'll see his birds, so to speak. But\n\nChannel 0: Yeah.\n\nChannel 1: that's that's that's that's my aim. As soon as that's done and done, then I could start\n\nChannel 0: Yeah.\n\nChannel 1: contributing each week\n\nChannel 0: Yeah.\n\nChannel 1: into the into\n\nChannel 0: Yep.\n\nChannel 1: the system, which\n\nChannel 0: Yeah.\n\nChannel 1: helps me\n\nChannel 0: Beautiful.\n\nChannel 1: in the long run.\n\nChannel 0: Beautiful. Absolutely. Most definitely. And when you're ready to do that, have a conversation with me. We can update the advice and show you what that looks like, and keep kind of looking at the projected outcome for a time.\n\nAnd so you kinda see where you're tracking for and what we're looking at down the track. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. Now when you do get that advice document, I kinda wanted to be careful to sort of limiting how much I go through with this. Feel free to have a look at the changes in the investments there. Have a look at the projection table, and let me know if you do happen to have any questions. We're still keeping you in that high growth environment there.\n\nThe other thing I did have to make mention is that for the last couple of years, we've sort of kept looking after everything, but we haven't been charging our ongoing service fee for you. Moving forward, because your balance is doing really well, it is sort of increasing and projecting forward you're doing very well. I am gonna have to turn that fee back on. Our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments.\n\nWe wanna make sure your sleep is making that 1.65% on a yearly basis, but then you're getting additional growth on top of that. Okay? So I have factored that into the projections. It still does show that you were tracking really well, but for us to continue monitoring and looking after everything and updating the advice and helping you along, we do have to turn our ongoing service feedback on. Okay?","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03242605924606323}],"sentiment":"neutral","sentiment_score":0.03242605924606323,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hi, Christopher.","start":1.92,"end":2.72,"sentiment":"neutral","sentiment_score":0.12855617702007294},{"text":"It's Dana from Oakey Financial.","start":2.72,"end":4.26,"sentiment":"neutral","sentiment_score":0.21408571600914},{"text":"How are you this morning?","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.2639865428209305}],"sentiment":"neutral","sentiment_score":0.22062280401587486,"channel":0,"num_words":12,"start":1.92,"end":5.54},{"sentences":[{"text":"Good.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.6520841121673584},{"text":"Thank you.","start":6.48,"end":7.22,"sentiment":"positive","sentiment_score":0.7421342134475708}],"sentiment":"positive","sentiment_score":0.7121175130208334,"channel":1,"num_words":3,"start":6.0,"end":7.22},{"sentences":[{"text":"That's good.","start":7.7599998,"end":8.32,"sentiment":"positive","sentiment_score":0.7329621911048889},{"text":"I had you booked in to go through an updated advice document.","start":8.32,"end":10.96,"sentiment":"positive","sentiment_score":0.46995625148216885},{"text":"Is now still a good time there for you?","start":10.96,"end":12.9,"sentiment":"positive","sentiment_score":0.37496838967005414}],"sentiment":"positive","sentiment_score":0.4556571698707083,"channel":0,"num_words":23,"start":7.7599998,"end":12.9},{"sentences":[{"text":"Yeah.","start":13.975,"end":14.455,"sentiment":"neutral","sentiment_score":0.001692911610007286},{"text":"I can barely hear you for some reason.","start":14.455,"end":16.555,"sentiment":"neutral","sentiment_score":-0.24271807819604874}],"sentiment":"neutral","sentiment_score":-0.2155613015509314,"channel":1,"num_words":9,"start":13.975,"end":16.555},{"sentences":[{"text":"Oh, let me just adjust my headset and see if that's better.","start":17.025,"end":19.824999,"sentiment":"neutral","sentiment_score":-0.006620383510986964},{"text":"Is that a little bit better for you?","start":19.824999,"end":21.525,"sentiment":"neutral","sentiment_score":0.026533797848969698}],"sentiment":"neutral","sentiment_score":0.006641289032995701,"channel":0,"num_words":20,"start":17.025,"end":21.525},{"sentences":[{"text":"No.","start":23.415,"end":23.615,"sentiment":"neutral","sentiment_score":-0.09300326555967332},{"text":"I wanna take my tea.","start":23.615,"end":25.115,"sentiment":"neutral","sentiment_score":-0.08284376040101052}],"sentiment":"neutral","sentiment_score":-0.08453701126078765,"channel":1,"num_words":6,"start":23.415,"end":25.115},{"sentences":[{"text":"That's okay.","start":25.519999,"end":26.419998,"sentiment":"neutral","sentiment_score":0.021296439692378044}],"sentiment":"neutral","sentiment_score":0.021296439692378044,"channel":0,"num_words":2,"start":25.519999,"end":26.419998},{"sentences":[{"text":"Yeah.","start":28.59,"end":28.83,"sentiment":"neutral","sentiment_score":-0.0030699782073497772},{"text":"I'm a just have to adjust more than one take.","start":28.83,"end":30.93,"sentiment":"neutral","sentiment_score":-0.05056520514190197}],"sentiment":"neutral","sentiment_score":-0.046247457238760864,"channel":1,"num_words":11,"start":28.59,"end":30.93},{"sentences":[{"text":"No.","start":31.279999,"end":31.519999,"sentiment":"neutral","sentiment_score":-0.05243612825870514},{"text":"You're right.","start":31.519999,"end":32.339996,"sentiment":"neutral","sentiment_score":-0.014144128188490868}],"sentiment":"neutral","sentiment_score":-0.026908128211895626,"channel":0,"num_words":3,"start":31.279999,"end":32.339996},{"sentences":[{"text":"I'm a try that.","start":35.31,"end":36.37,"sentiment":"neutral","sentiment_score":-0.008331779681611806}],"sentiment":"neutral","sentiment_score":-0.008331779681611806,"channel":1,"num_words":4,"start":35.31,"end":36.37},{"sentences":[{"text":"Is that a bit better?","start":36.879997,"end":38.1,"sentiment":"neutral","sentiment_score":-0.015098142996430397}],"sentiment":"neutral","sentiment_score":-0.015098142996430397,"channel":0,"num_words":5,"start":36.879997,"end":38.1},{"sentences":[{"text":"No.","start":40.35,"end":40.75,"sentiment":"neutral","sentiment_score":-0.05728502571582794},{"text":"One take.","start":40.75,"end":41.23,"sentiment":"neutral","sentiment_score":-0.03513789176940918},{"text":"One take.","start":41.23,"end":42.05,"sentiment":"neutral","sentiment_score":-0.025997999124228954},{"text":"You there?","start":45.785,"end":46.365,"sentiment":"neutral","sentiment_score":-0.011248314753174782}],"sentiment":"neutral","sentiment_score":-0.028864776715636253,"channel":1,"num_words":7,"start":40.35,"end":46.365},{"sentences":[{"text":"Yes.","start":46.905,"end":47.225,"sentiment":"neutral","sentiment_score":0.016878895461559296},{"text":"I can hear you.","start":47.225,"end":48.025,"sentiment":"neutral","sentiment_score":0.005439108936116099},{"text":"Can you hear me okay?","start":48.025,"end":49.165,"sentiment":"neutral","sentiment_score":-0.005656150355935097}],"sentiment":"neutral","sentiment_score":0.001035457942634821,"channel":0,"num_words":10,"start":46.905,"end":49.165},{"sentences":[{"text":"Yeah.","start":49.705,"end":50.025,"sentiment":"neutral","sentiment_score":0.004937083460390568},{"text":"Just","start":50.025,"end":50.525,"sentiment":"neutral","sentiment_score":0.002625439316034317}],"sentiment":"neutral","sentiment_score":0.0037812613882124424,"channel":1,"num_words":2,"start":49.705,"end":50.525},{"sentences":[{"text":"Okay.","start":51.239998,"end":51.64,"sentiment":"neutral","sentiment_score":-0.000479002483189106},{"text":"Is","start":51.64,"end":51.879997,"sentiment":"neutral","sentiment_score":-0.011325238272547722}],"sentiment":"neutral","sentiment_score":-0.005902120377868414,"channel":0,"num_words":2,"start":51.239998,"end":51.879997},{"sentences":[{"text":"must","start":51.705,"end":51.945,"sentiment":"neutral","sentiment_score":-0.016848787665367126}],"sentiment":"neutral","sentiment_score":-0.016848787665367126,"channel":1,"num_words":1,"start":51.705,"end":51.945},{"sentences":[{"text":"this","start":51.879997,"end":52.199997,"sentiment":"neutral","sentiment_score":-0.01967799849808216}],"sentiment":"neutral","sentiment_score":-0.01967799849808216,"channel":0,"num_words":1,"start":51.879997,"end":52.199997},{"sentences":[{"text":"be might be the area I'm in that's also.","start":51.945,"end":54.125,"sentiment":"neutral","sentiment_score":-0.02336599284576045}],"sentiment":"neutral","sentiment_score":-0.02336599284576045,"channel":1,"num_words":9,"start":51.945,"end":54.125},{"sentences":[{"text":"yeah.","start":54.519997,"end":55.019997,"sentiment":"neutral","sentiment_score":-0.01128036342561245},{"text":"Because I can hear you perfectly fine, but I have I had a couple of my colleagues be told that maybe our heads are a little bit quiet.","start":55.32,"end":62.12,"sentiment":"neutral","sentiment_score":-0.09746881401432413},{"text":"So I might just bring that up with our IT department and get them to have a look at that a bit later.","start":62.12,"end":66.585,"sentiment":"neutral","sentiment_score":-0.04032912963758344},{"text":"But can you hear me enough to kinda go through things now?","start":66.585,"end":70.105,"sentiment":"neutral","sentiment_score":-0.028689003239075344},{"text":"Or","start":70.105,"end":70.605,"sentiment":"neutral","sentiment_score":-0.015572713688015938}],"sentiment":"neutral","sentiment_score":-0.06196642907766196,"channel":0,"num_words":65,"start":54.519997,"end":70.605},{"sentences":[{"text":"Yeah.","start":72.375,"end":72.615005,"sentiment":"neutral","sentiment_score":-0.00005975551903247833},{"text":"We'll give","start":72.615005,"end":73.355,"sentiment":"neutral","sentiment_score":0.012138043995946646}],"sentiment":"neutral","sentiment_score":0.008072110824286938,"channel":1,"num_words":3,"start":72.375,"end":73.355},{"sentences":[{"text":"yeah.","start":74.025,"end":74.345,"sentiment":"neutral","sentiment_score":0.027426905930042267},{"text":"That's okay.","start":74.345,"end":74.985,"sentiment":"neutral","sentiment_score":0.09187469258904457}],"sentiment":"neutral","sentiment_score":0.07039209703604381,"channel":0,"num_words":3,"start":74.025,"end":74.985},{"sentences":[{"text":"it","start":74.915,"end":75.415,"sentiment":"neutral","sentiment_score":0.06341767311096191}],"sentiment":"neutral","sentiment_score":0.06341767311096191,"channel":1,"num_words":1,"start":74.915,"end":75.415},{"sentences":[{"text":"I'll try to just stick to the main points.","start":74.985,"end":76.65,"sentiment":"neutral","sentiment_score":0.08738815701670116},{"text":"Let me know","start":76.65,"end":77.13,"sentiment":"neutral","sentiment_score":0.06309068823854129}],"sentiment":"neutral","sentiment_score":0.0813137898221612,"channel":0,"num_words":12,"start":74.985,"end":77.13},{"sentences":[{"text":"a","start":76.975006,"end":77.475006,"sentiment":"neutral","sentiment_score":0.0559992641210556}],"sentiment":"neutral","sentiment_score":0.0559992641210556,"channel":1,"num_words":1,"start":76.975006,"end":77.475006},{"sentences":[{"text":"if things get a bit quiet or if you want me to repeat","start":77.13,"end":79.29,"sentiment":"neutral","sentiment_score":0.00440465472638607}],"sentiment":"neutral","sentiment_score":0.00440465472638607,"channel":0,"num_words":13,"start":77.13,"end":79.29},{"sentences":[{"text":"go.","start":79.035,"end":79.535,"sentiment":"neutral","sentiment_score":0.013631748035550116}],"sentiment":"neutral","sentiment_score":0.013631748035550116,"channel":1,"num_words":1,"start":79.035,"end":79.535},{"sentences":[{"text":"anything.","start":79.29,"end":79.77,"sentiment":"neutral","sentiment_score":0.011689824052155018},{"text":"Okay?","start":79.77,"end":80.27,"sentiment":"neutral","sentiment_score":0.02984274923801422}],"sentiment":"neutral","sentiment_score":0.02076628664508462,"channel":0,"num_words":2,"start":79.29,"end":80.27},{"sentences":[{"text":"Yep.","start":81.095,"end":81.415,"sentiment":"neutral","sentiment_score":0.0347646102309227},{"text":"Okay.","start":81.415,"end":81.915,"sentiment":"neutral","sentiment_score":0.08956289291381836}],"sentiment":"neutral","sentiment_score":0.06216375157237053,"channel":1,"num_words":2,"start":81.095,"end":81.915},{"sentences":[{"text":"All good.","start":82.33,"end":82.81,"sentiment":"neutral","sentiment_score":0.1585334688425064},{"text":"Now, Chris, do you happen to have access to your emails at the moment at all, or is now not a good time to look at your emails?","start":82.81,"end":88.81,"sentiment":"neutral","sentiment_score":-0.03809889582251864},{"text":"If you're not, that's okay.","start":88.81,"end":90.03,"sentiment":"neutral","sentiment_score":-0.039157151244580746},{"text":"Driving.","start":92.205,"end":92.685005,"sentiment":"neutral","sentiment_score":0.009020219556987286},{"text":"Yep.","start":92.685005,"end":92.925,"sentiment":"neutral","sentiment_score":0.06075340509414673}],"sentiment":"neutral","sentiment_score":-0.023667953430196724,"channel":0,"num_words":37,"start":82.33,"end":92.925},{"sentences":[{"text":"That's okay.","start":92.925,"end":93.485,"sentiment":"neutral","sentiment_score":0.12488998472690582},{"text":"That's not a problem at all.","start":93.485,"end":94.865005,"sentiment":"neutral","sentiment_score":0.2174597904086113},{"text":"Now we obviously did your annual review late last year, and I wanted to go back and update your advice document for you.","start":94.925,"end":100.285,"sentiment":"neutral","sentiment_score":0.19815673711507217},{"text":"We are working towards your retirement goals and making sure your super is working as hard as possible.","start":100.285,"end":104.865005,"sentiment":"neutral","sentiment_score":0.17205742332670423},{"text":"So this is an update","start":105.05,"end":106.090004,"sentiment":"neutral","sentiment_score":0.10021836459636688}],"sentiment":"neutral","sentiment_score":0.179819798303975,"channel":0,"num_words":54,"start":92.925,"end":106.090004},{"sentences":[{"text":"Yeah.","start":105.795,"end":106.295,"sentiment":"neutral","sentiment_score":0.1189863458275795}],"sentiment":"neutral","sentiment_score":0.1189863458275795,"channel":1,"num_words":1,"start":105.795,"end":106.295},{"sentences":[{"text":"to your strategy to show you where you're tracking and what changes I wanna make to help keep you in a better position moving forward.","start":106.090004,"end":112.33,"sentiment":"neutral","sentiment_score":0.24286376178264618},{"text":"Okay?","start":112.33,"end":112.83,"sentiment":"neutral","sentiment_score":0.09060101211071014}],"sentiment":"neutral","sentiment_score":0.2370075021798794,"channel":0,"num_words":26,"start":106.090004,"end":112.83},{"sentences":[{"text":"Yeah.","start":113.090004,"end":113.590004,"sentiment":"neutral","sentiment_score":0.04744341969490051}],"sentiment":"neutral","sentiment_score":0.04744341969490051,"channel":1,"num_words":1,"start":113.090004,"end":113.590004},{"sentences":[{"text":"With this one here, before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":114.57,"end":119.745,"sentiment":"neutral","sentiment_score":0.06366826069575769},{"text":"Moving forward, are you happy for me to proceed with that?","start":119.805,"end":122.545,"sentiment":"positive","sentiment_score":0.3930721879005432}],"sentiment":"neutral","sentiment_score":0.15902202909714297,"channel":0,"num_words":38,"start":114.57,"end":122.545},{"sentences":[{"text":"Yep.","start":123.090004,"end":123.590004,"sentiment":"neutral","sentiment_score":0.1478503793478012}],"sentiment":"neutral","sentiment_score":0.1478503793478012,"channel":1,"num_words":1,"start":123.090004,"end":123.590004},{"sentences":[{"text":"Yep.","start":123.965,"end":124.365,"sentiment":"neutral","sentiment_score":0.23201769590377808},{"text":"Beautiful.","start":124.365,"end":124.865,"sentiment":"positive","sentiment_score":0.6513903141021729},{"text":"And as to the security, I am discussing your personal information, so I do need to check.","start":124.925,"end":128.685,"sentiment":"neutral","sentiment_score":0.12403334195122999},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":128.685,"end":132.545,"sentiment":"neutral","sentiment_score":0.07462974088756662}],"sentiment":"neutral","sentiment_score":0.11605105000106912,"channel":0,"num_words":38,"start":123.965,"end":132.545},{"sentences":[{"text":"Chris Pickles, '10 to","start":133.885,"end":135.485,"sentiment":"neutral","sentiment_score":0.01681498857215047}],"sentiment":"neutral","sentiment_score":0.01681498857215047,"channel":1,"num_words":4,"start":133.885,"end":135.485},{"sentences":[{"text":"Yep.","start":135.46,"end":135.96,"sentiment":"neutral","sentiment_score":0.02575793489813805}],"sentiment":"neutral","sentiment_score":0.02575793489813805,"channel":0,"num_words":1,"start":135.46,"end":135.96},{"sentences":[{"text":"471, And 35 Blue Gum.","start":135.485,"end":138.145,"sentiment":"neutral","sentiment_score":0.02303597517311573},{"text":"Close to 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investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459.","start":660.945,"end":671.10504,"sentiment":"neutral","sentiment_score":0.12287941795808298},{"text":"So once we complete the investment switch there, we expect the CGT of $4.59.","start":671.10504,"end":678.01,"sentiment":"neutral","sentiment_score":0.1381242232663291},{"text":"Your your super fund will automatically cover that and deal with that in the back end.","start":678.70996,"end":682.79,"sentiment":"neutral","sentiment_score":0.19191032485105097},{"text":"You'll hardly even notice it, and 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you.","start":686.965,"end":689.145,"sentiment":"neutral","sentiment_score":0.3077191623548667},{"text":"Okay?","start":689.205,"end":689.705,"sentiment":"neutral","sentiment_score":0.14609670639038086}],"sentiment":"neutral","sentiment_score":0.23362477645277976,"channel":0,"num_words":20,"start":685.125,"end":689.705},{"sentences":[{"text":"Yep.","start":689.76,"end":690.26,"sentiment":"neutral","sentiment_score":0.27438873052597046}],"sentiment":"neutral","sentiment_score":0.27438873052597046,"channel":1,"num_words":1,"start":689.76,"end":690.26},{"sentences":[{"text":"The advantage to sort of swapping a lot of these investments out is that it's also gonna reduce the investment fees for you.","start":691.28503,"end":697.445,"sentiment":"positive","sentiment_score":0.58643878283708},{"text":"So we can, with the research, show that we're saving about a $139 for the first year on investment 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getting additional growth on top of that.","start":895.85,"end":902.385,"sentiment":"neutral","sentiment_score":0.10494037081177036},{"text":"Okay?","start":902.625,"end":903.125,"sentiment":"neutral","sentiment_score":0.06551776826381683},{"text":"So I have factored that into the projections.","start":904.305,"end":906.325,"sentiment":"neutral","sentiment_score":0.13877461664378643},{"text":"It still does show that you were tracking really well, but for us to continue monitoring and looking after everything and updating the advice and helping you along, we do have to turn our ongoing service feedback on.","start":906.385,"end":917.365,"sentiment":"neutral","sentiment_score":0.31518566412361043},{"text":"Okay?","start":917.505,"end":918.005,"sentiment":"neutral","sentiment_score":-0.11627011001110076}],"sentiment":"neutral","sentiment_score":0.21604262121642628,"channel":0,"num_words":72,"start":895.85,"end":918.005}]},"summary":{"result":"success","short":"Representatives from Oakey Financial and an investment company discuss financial advice documents with customers, updating them on their retirement goals and estate planning. They provide information on the customer's previous will and advise them to update their address and contact a local solicitor for recommendations. The speaker emphasizes the importance of keeping in touch with retirement plans and updating the advice, highlighting their investment strategy and retirement benefits. They also mention changes to their risk profile and emphasize the importance of updating their investment portfolio."},"intents":{"segments":[{"text":"I had you booked in to go through an updated advice document. Is now still a good time there for you? Yeah.","start_word":18,"end_word":39,"intents":[{"intent":"Share advice document updates","confidence_score":0.0006365199}]},{"text":"And as to the security, I am discussing your personal information, so I do need to check. I just need to confirm your full name, your date of birth, and address I should have on file.","start_word":394,"end_word":429,"intents":[{"intent":"Confirm identity","confidence_score":0.18684256},{"intent":"Discuss security","confidence_score":0.1698841},{"intent":"Check personal information","confidence_score":0.2061302}]},{"text":"Thank you so much for that. I just thought we're checking since we caught up late last year. Has there been any changes to your circumstances at all?","start_word":445,"end_word":472,"intents":[{"intent":"Review important changes","confidence_score":0.0000943076}]},{"text":"Now this document has been scoped to areas of superannuation for you. We are looking at maximizing your goals, helping you work towards being able to retire. Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like.","start_word":579,"end_word":628,"intents":[{"intent":"Clarify retirement age","confidence_score":0.005777508}]},{"text":"We are looking at maximizing your goals, helping you work towards being able to retire. Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like. And in retirement, you're hoping to draw about $70,000 in income. That could change. That was just what we had when we spoke last time, but we'll keep updating these goals as your life changes. Okay? Yeah.","start_word":591,"end_word":665,"intents":[{"intent":"Update goals","confidence_score":0.24612418}]},{"text":"One of the big things to note was that you didn't have any beneficiary nominations nominated to your super.","start_word":681,"end_word":699,"intents":[{"intent":"Discuss beneficiary nominations","confidence_score":0.047622725}]},{"text":"Have you updated your will since we last called Wait up?","start_word":735,"end_word":745,"intents":[{"intent":"Update will","confidence_score":0.92264926}]},{"text":"Can you just wait a sec? Absolutely. Up?","start_word":764,"end_word":771,"intents":[{"intent":"Wait for update","confidence_score":0.020046001}]},{"text":"I with your with your the estate planning side of things, just sort of recapping there, we discussed last year that you had a will previously done up, but it had your ex partner on there. Is that will still the way it have you had it updated since we last caught up? No.","start_word":811,"end_word":864,"intents":[{"intent":"Recap conversation","confidence_score":0.25242004}]},{"text":"I have scoped in areas there for you of estate planning to make sure things are nominated in the correct way, and I can send through some information on a local solicitor to give you a bit of an idea of how much it might cost and what it looks like to to sort of start the process for you. Okay? Okay.","start_word":905,"end_word":966,"intents":[{"intent":"Send information","confidence_score":0.20054974}]},{"text":"trying to trying to go through life and let the dust settle from the and I'll split up with the x and, you know, and just basically get my feet back on the ground. Yeah.","start_word":1024,"end_word":1058,"intents":[{"intent":"Consolidate","confidence_score":0.000041690237}]},{"text":"And then I can have a look at all all that other insurances, which I Yep. I am interested in. But, Yeah.","start_word":1061,"end_word":1082,"intents":[{"intent":"Discuss insurances","confidence_score":0.08457595}]},{"text":"When that time comes there, Chris, let me know. We can have a really good chat around what they are, how they work, the, you know, the approximate cost of those things, how they're structured, how they're paid for, and then you can always let me know what you want, and we can make those recommendations to help you. Okay?","start_word":1113,"end_word":1172,"intents":[{"intent":"Make recommendations","confidence_score":0.8088586}]},{"text":"Can while I've got you, can I only change my address? Because I've just moved.","start_word":1268,"end_word":1282,"intents":[{"intent":"Change address","confidence_score":0.4786734},{"intent":"Update address","confidence_score":0.16786058},{"intent":"Update address","confidence_score":0.6044944}]},{"text":"sure the investments have a good track record and that, yeah, working harder for you. Yes.","start_word":1808,"end_word":1823,"intents":[{"intent":"Confirm investing style","confidence_score":3.865914e-8}]},{"text":"When I had a look at the high growth portfolio you were in currently, when we look at the five year rolling average, it's averaged about 8.98 over the last five years.","start_word":1824,"end_word":1855,"intents":[{"intent":"Verify portfolio performance","confidence_score":0.0014405331}]},{"text":"So we are removing some of the underlying investments that might not have performed as well, or we are cementing some of the gains that some of those previous investments have sort of have provided for us so that we can have those gains, you know, essentially reinvested elsewhere so you're benefiting from those. Okay? Yep.","start_word":1951,"end_word":2006,"intents":[{"intent":"Removing underlying investments","confidence_score":0.12350188}]},{"text":"We've it's important that I do make you note that there are tax consequences for your super for this.","start_word":2007,"end_word":2025,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.0986803}]},{"text":"we're making the changes by selling some of the investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459. So once we complete the investment switch there, we expect the CGT of $4.59. Your your super fund will automatically cover that and deal with that in the back end.","start_word":2064,"end_word":2120,"intents":[{"intent":"Highlight cgt consequence","confidence_score":0.0006074894}]},{"text":"Because one thing I wanted to sort of look at with you is where we're tracking forward. So if you were, based on the changes that we are making, look to retire at around about age 65, You can draw that so you can sort of draw the income you're after, but to get longevity out of your super, you would be able to draw about $50,008.04 8 in income.","start_word":2226,"end_word":2295,"intents":[{"intent":"Analyze retirement goals","confidence_score":0.03570547}]},{"text":"that's the plan because I've I've got probably two years left and I've got to change all maintenance anymore. So I can actually Yeah.","start_word":2489,"end_word":2512,"intents":[{"intent":"Streamline maintenance and work schedule","confidence_score":0.000003619266}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Christopher. It's Dana from Oakey Financial. How are you this morning?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1971123963594437},{"text":"Good. Thank you. That's good. I had you booked in to go through an updated advice document. Is now still a good time there for you?","start_word":13,"end_word":38,"sentiment":"positive","sentiment_score":0.5052969455718994},{"text":"Yeah. I can barely hear you for some reason. Oh, let me just adjust my headset and see if that's better. Is that a little bit better for you? No. I wanna take my tea. That's okay. Yeah. I'm a just have to adjust more than one take. No. You're right. I'm a try that. Is that a bit better? No. One take. One take. You there? Yes. I can hear you. Can you hear me okay? Yeah. Just Okay. Is must this be might be the area I'm in that's also. yeah. Because I can hear you perfectly fine, but I have I had a couple of my colleagues be told that maybe our heads are a little bit quiet. So I might just bring that up with our IT department and get them to have a look at that a bit later. But can you hear me enough to kinda go through things now? Or Yeah. We'll give yeah. That's okay. it I'll try to just stick to the main points. Let me know a if things get a bit quiet or if you want me to repeat go. anything. Okay? Yep. Okay. All good. Now, Chris, do you happen to have access to your emails at the moment at all, or is now not a good time to look at your emails? If you're not, that's okay. Driving. Yep. That's okay. That's not a problem at all. Now we obviously did your annual review late last year, and I wanted to go back and update your advice document for you. We are working towards your retirement goals and making sure your super is working as hard as possible. So this is an update Yeah. to your strategy to show you where you're tracking and what changes I wanna make to help keep you in a better position moving forward. Okay? Yeah. With this one here, before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start_word":39,"end_word":379,"sentiment":"neutral","sentiment_score":0.030407848759742777},{"text":"Moving forward, are you happy for me to proceed with that?","start_word":380,"end_word":390,"sentiment":"positive","sentiment_score":0.3854377865791321},{"text":"Yep. Yep.","start_word":391,"end_word":392,"sentiment":"neutral","sentiment_score":0.18993404507637024},{"text":"Beautiful.","start_word":393,"end_word":393,"sentiment":"positive","sentiment_score":0.6513903141021729},{"text":"And as to the security, I am discussing your personal information, so I do need to check. I just need to confirm your full name, your date of birth, and address I should have on file. Chris Pickles, '10 to Yep. 471, And 35 Blue Gum. Close to Mira.","start_word":394,"end_word":442,"sentiment":"neutral","sentiment_score":0.07121577858924866},{"text":"Beautiful. Beautiful. Thank you so much for that.","start_word":443,"end_word":450,"sentiment":"positive","sentiment_score":0.6335185170173645},{"text":"I just thought we're checking since we caught up late last year. Has there been any changes to your circumstances at all? No. Is there anything major that we should sort of note? No.","start_word":451,"end_word":484,"sentiment":"neutral","sentiment_score":0.03483721986413002},{"text":"No. I haven't won the lottery yet.","start_word":485,"end_word":491,"sentiment":"negative","sentiment_score":-0.3890040814876557},{"text":"I stole No. the same. Well, let me know when you do.","start_word":492,"end_word":503,"sentiment":"neutral","sentiment_score":-0.08274658769369125},{"text":"All good.","start_word":504,"end_word":505,"sentiment":"positive","sentiment_score":0.33585867285728455},{"text":"So, Christopher, also to keep it, this is the point that I have to touch on. I've emailed the document through to you, so you're welcome to have a bit of a look at that document. What we'll get Yeah. you to do once you've read it through is to sign it, return it back to me so I can make the changes and proceed moving forward with everything for you. Okay? Yes. Now this document has been scoped to areas of superannuation for you. We are looking at maximizing your goals, helping you work towards being able to retire. Your goal was to retire at either age 65 or 67 depending on where you're at and what your life circumstances look like. And in retirement, you're hoping to draw about $70,000 in income. That could change. That was just what we had when we spoke last time, but we'll keep updating these goals as your life changes. Okay? Yeah. We've scoped in areas of super annual sorry. Of areas of estate planning as well. One of the big things to note was that you didn't have any beneficiary nominations nominated to your super. You wanted your super to be left to both of your children, and you may have mentioned to me that your your will needed to be updated, that it had your ex partner on there. Have you updated your will since we last called Wait up? a sec. I'll I'll just try my other earpiece in to see if that that helps. Okay. Mhmm. Can you just wait a sec? Absolutely. Up? What we got here? K. Is that better? I yeah. I can hear you still perfectly. Alright. Are you is it easier Alright. for you? Yep. Yep. I can hear you.","start_word":506,"end_word":802,"sentiment":"neutral","sentiment_score":0.09629872644489462},{"text":"Oh, beautiful.","start_word":803,"end_word":804,"sentiment":"positive","sentiment_score":0.44472575187683105},{"text":"That's okay. So sorry. That's okay. I with your with your the estate planning side of things, just sort of recapping there, we discussed last year that you had a will previously done up, but it had your ex partner on there. Is that will still the way it have you had it updated since we last caught up? No. No. I I haven't it's it's sort of a thing that you should really get on to straight away, but Yes. Yeah. but I I I hadn't got around to it, honestly. No. That's okay. Not a problem at all. I have scoped in areas there for you of estate planning to make sure things are nominated in the correct way, and I can send through some information on a local solicitor to give you a bit of an idea of how much it might cost and what it looks like to to sort of start the process for you. Okay? Okay. We had initially talked about insurances like life, TBD, income protection. You didn't wanna sort of look at any of those at that time. We have Yeah. scoped I'm that I'm out of the about advise. I'm about the same place with with Yeah. all that That's at the moment. I'm just I'm just trying to Yeah. trying to trying to go through life and let the dust settle from the and I'll split up with the x and, you know, and just basically get my feet back on the ground. Yeah. Absolutely. And then I can have a look at all all that other insurances, which I Yep. I am interested in. But, Yeah. yeah, at the moment, That's it's okay. just the next crisis at the moment. Yeah. Absolutely. Well, when Just that trying time to come trying to get busy with that. absolutely. When that time comes there, Chris, let me know. We can have a really good chat around what they are, how they work, the, you know, the approximate cost of those things, how they're structured, how they're paid for, and then you can always let me know what you want, and we can make those recommendations to help you. Okay? Yes. Yes.","start_word":805,"end_word":1174,"sentiment":"neutral","sentiment_score":0.03848644027587127},{"text":"Beautiful.","start_word":1175,"end_word":1175,"sentiment":"positive","sentiment_score":0.6014236211776733},{"text":"Now on this document, when you are looking at it, it does have it's been prepared for yourself as of the April 7 this year. Our documents are valid for sixty days from the date that they have been written. However, we can always sign after the fact. It's just a matter of making sure your circumstances haven't changed. And it's got my representative license number on there. So I'm represent I'm sorry. I'm authorized representative of OQ Financial, and I'm licensed through Aftik, and my license number is 1304394. Okay? Yeah. Can while I've got you, can I only change my address? Because I've just moved. Yeah. Absolutely. The address I have here is the Blue Gum Drive. Is that gonna be different moving forward? Yes. Yep. Whereabouts are you moving to now? Okay. It's Number 3 Yep. Coventry, C 0 B Yep. E N T E R Y, Coventry Court, Flax Creek. Okay. Perfect. And that's 4 shit. 4127. K. No worries at all. 4127. Easy. And that's Queensland too, isn't it? Same Yes. state. It is. Yes. Yep. Perfect. Not a problem at all.","start_word":1176,"end_word":1362,"sentiment":"neutral","sentiment_score":0.05803326517343521},{"text":"I'll update that for you. Thank you for letting me know. Appreciate that.","start_word":1363,"end_word":1375,"sentiment":"positive","sentiment_score":0.5043191909790039},{"text":"Yes. Now I'll I'll jump into the the advice. Essentially, with this one here, we've had a bit of a look at the way your super was invested over the last couple of years. We wanted to make sure that, obviously, with the changes in the market that your super is continuously providing business growth, that it is working harder for you. So I am making some changes for your superannuation. I'll be removing some of the investments you're currently invested in. One of those being, sorry, we'll be looking at removing the Monistad Global Tech, the Asia, the China New Economy, the Global Robotics, and the battery and lithium tech. Selling all of Mhmm. those down you into some of the cybersecurity, some European and US exposure, also making sure that you're invested in the Australian economy to sort of rebalancing that a little bit, and also making sure that we're in some physical gold. So at the moment, you don't seem to have a lot of physical gold in there. We'll be adding that into your portfolio and also adding a little more a bit more diversification by investing you in the Vanguard all world f US India as well. Yes. Essentially, to make this really easy for you because you're not really looking at the documents there, when I went back and had a really good look at your last portfolio, that has worked really well for the last couple of years there, but we wanna make sure that, obviously, you're invested in a way that is working harder for you. Investments that might have been right down the track might need to change and be updated moving forward to keep your portfolio is value changing with the Yes. times. And you've probably noticed there's a lot going on in the world at the moment. Markets have been a bit up and down. So you're still in that high growth environment, which sees that 90% of your super investment in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then it's about 10% defensive investments. When we kinda touched base last year, we did that risk profile questionnaire.","start_word":1376,"end_word":1742,"sentiment":"neutral","sentiment_score":0.10629331070818109},{"text":"You were happy to stay in that environment because you're not wanting to retire to the age of 65 or 67 depending on sort of where you're tracking for. So we're keeping you in that kind of environment, but just updating the investments to make sure that they you are invested in a as much we can control as much risk as possible, making Yes. sure the investments have a good track record and that, yeah, working harder for you.","start_word":1743,"end_word":1822,"sentiment":"positive","sentiment_score":0.4738050699234009},{"text":"Yes. When I had a look at the high growth portfolio you were in currently, when we look at the five year rolling average, it's averaged about 8.98 over the last five years. The newer Yes. portfolio that we're putting you in is more of a passively managed portfolio.","start_word":1823,"end_word":1871,"sentiment":"neutral","sentiment_score":0.211592361330986},{"text":"It provides a bit more diversification there for you, and over the past five years has averaged about 11.67%. So if the market's performed the way they have over the past five years with that portfolio, you could see yourself having a greater gainer in the longer term over the next sort of five to ten years, which can put you in a better position towards your retirement goals there.","start_word":1872,"end_word":1941,"sentiment":"positive","sentiment_score":0.5217707753181458},{"text":"So Sounds like we a are plan. removed yeah. So we are removing some of the underlying investments that might not have performed as well, or we are cementing some of the gains that some of those previous investments have sort of have provided for us so that we can have those gains, you know, essentially reinvested elsewhere so you're benefiting from those. Okay? Yep. We've it's important that I do make you note that there are tax consequences for your super for this. So this has got nothing it doesn't affect you in any way, shape, or form, but your super fund does a tax return every year the same way you technically do. And when we look the way Yeah. we're making the changes by selling some of the investments and reinvesting in other areas, your super fund is estimated to have a CGT consequence of 459. So once we complete the investment switch there, we expect the CGT of $4.59. Your your super fund will automatically cover that and deal with that in the back end. You'll hardly even notice it, and you'll Yep. just sort of see your investment switching. We'll be doing a lot in the back end there for you. Okay? Yep.","start_word":1942,"end_word":2149,"sentiment":"neutral","sentiment_score":0.141131779178977},{"text":"The advantage to sort of swapping a lot of these investments out is that it's also gonna reduce the investment fees for you. So we can, with the research, show that we're saving about a $139 for the first year on investment fees. So it means less fees coming out of your account and more money reinvested for you moving forward.","start_word":2150,"end_word":2210,"sentiment":"positive","sentiment_score":0.6359876394271851},{"text":"Okay? Yep.","start_word":2211,"end_word":2212,"sentiment":"neutral","sentiment_score":0.27440986037254333},{"text":"Yep. Beautiful. I've also got in here a bit of a retirement calculator.","start_word":2213,"end_word":2225,"sentiment":"positive","sentiment_score":0.41105788946151733},{"text":"Because one thing I wanted to sort of look at with you is where we're tracking forward. So if you were, based on the changes that we are making, look to retire at around about age 65, You can draw that so you can sort of draw the income you're after, but to get longevity out of your super, you would be able to draw about $50,008.04 8 in income. That's also considering your overall eligibility towards Centrelink as well. We'd estimate your super and Centrelink eligibility would all last up until about age 91.","start_word":2226,"end_word":2320,"sentiment":"neutral","sentiment_score":0.23534169793128967},{"text":"If you're able to and willing to keep working to age 67, you get a bit more longevity out of your super, and it still shows that, you know, we've got eligibility for Centrelink down the track as well.","start_word":2321,"end_word":2359,"sentiment":"positive","sentiment_score":0.415724515914917},{"text":"And as you get closer, I will help you monitor that. And when you get to that point, we will look at retirement, how you draw things down, and what Centrelink eligibility and how that can benefit you moving forward. Does that make sense so far? Yep. Yeah. So with the recommendations, we're getting closer to meeting your goal. We're not quite there. Both of these retirement projections show that we're a little bit off. It's at the worst point about $19,000 per year off from where your goal income is, but we can Yep. also look down the track at additional contributions. We can look at, you know, putting more money into super and keep on track to see where things are heading for you. Oh, that's Okay. that's the plan because I've I've got probably two years left and I've got to change all maintenance anymore. So I can actually Yeah. look at contributing a bit to that because I'm I'm I'm used to it. Because they're going to my wages, so I'm actually in a comfortable spot. Yeah. Yeah. I've got I've got I've got one one boy left to pay for for two years. That's it. I'll see his birds, so to speak. But Yeah. that's that's that's that's my aim. As soon as that's done and done, then I could start Yeah. contributing each Yeah. week into the Yep. into the system, which Yeah.","start_word":2360,"end_word":2598,"sentiment":"neutral","sentiment_score":0.11285450106884148},{"text":"helps me Beautiful. in the long Beautiful. run. Absolutely. Most definitely.","start_word":2599,"end_word":2609,"sentiment":"positive","sentiment_score":0.49601027369499207},{"text":"And when you're ready to do that, have a conversation with me. We can update the advice and show you what that looks like, and keep kind of looking at the projected outcome for a time. And so you kinda see where you're tracking for and what we're looking at down the track. Okay? Yes. Yes.","start_word":2610,"end_word":2665,"sentiment":"neutral","sentiment_score":0.18853822350502017},{"text":"Beautiful.","start_word":2666,"end_word":2666,"sentiment":"positive","sentiment_score":0.4618293046951294},{"text":"Now when you do get that advice document, I kinda wanted to be careful to sort of limiting how much I go through with this. Feel free to have a look at the changes in the investments there. Have a look at the projection table, and let me know if you do happen to have any questions. We're still keeping you in that high growth environment there. The other thing I did have to make mention is that for the last couple of years, we've sort of kept looking after everything, but we haven't been charging our ongoing service fee for you.","start_word":2667,"end_word":2768,"sentiment":"neutral","sentiment_score":-0.01139210257679224},{"text":"Moving forward, because your balance is doing really well, it is sort of increasing and projecting forward you're doing very well.","start_word":2769,"end_word":2789,"sentiment":"positive","sentiment_score":0.35512465238571167},{"text":"I am gonna have to turn that fee back on. Our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments. We wanna make sure your sleep is making that 1.65% on a yearly basis, but then you're getting additional growth on top of that. Okay? So I have factored that into the projections. It still does show that you were tracking really well, but for us to continue monitoring and looking after everything and updating the advice and helping you along, we do have to turn our ongoing service feedback on. Okay?","start_word":2790,"end_word":2886,"sentiment":"neutral","sentiment_score":0.1654935364717061}],"average":{"sentiment":"neutral","sentiment_score":0.1373029143940677}}}}