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What about down in WA? Oh, you finally joined us in the season. Amazing. Oh, jealous, jealous, and looking forward to the long weekends? No. Oh, I hope it was good. Perfect. Perfect. I'm just giving you a buzz to go through your annual review. Perfect. Now I'm just gonna go through a quick little security check, and I've got an annual review pack that I'm gonna email out to you now. Are you okay to look onto your emails with me today, or should I just walk you through what's there? No worries at all. Are you okay for this call to be recorded, Amelia? Perfect. And can I just confirm the security of your account? So I'm registered with ASIC as Adviser1273105. We don't have a security question on file. Could you please confirm your date of birth and address? Sensational. Thank you so much for doing that. So what I've just popped through to you for you to look on to when you do have time, the annual review pack includes, like, performance updates on your super, certificate of currency for your insurances, some financial services guides from us with our licensing information updated, as well as, like, ongoing service agreements and that kind of thing as well. Now, Amelia, is there anything in particular you would like to get out of this year's review? Fantastic. I'm gonna focus pretty heavily on the supers today just given what's going on in the world, make sure you're all in the right portfolio. Do you mind if I spend the two minutes quickly updating your details because we have switched systems? K? So just reconfirming some of your old goals. You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping. Does that sound about right? Perfect. And is that mainly to do with properties, just obtaining and flipping properties, or what was the the focus? Yeah. Yep. Perfect. Do you ever want to look at personal investing outside of properties, like some shares in your personal name, manage funds, anything like that, or just keep it to bricks and mortar? Yep. Totally fair. Totally fair. With your occupation, we had you at Petbarn as a manager earning a 100 and 25,000. Okay. So that looks strange because when I was looking at property flipping, I was like, hang on a second. This data looks a little bit strange. Can I just double check with you your occupation? That's why the old system switch has done the wrong thing here. Could I just take down your annual income, please? One seventy 5. That makes sense. I was thinking a manager at Petbarn probably isn't on 01/25, and they're probably not trying to flip properties. I do have the old details opening. We've got learning development manager. Very, very old. Yeah. That's 2020. So I didn't think that would be right. Occupation title currently? COO. And who are you the COO of? MGB seminars. Fantastic. Alright. January. Do you have, like, a regular set savings schedule? Are you just piling everything into offset accounts, savings. Do you know how much you can save? Oh, no. Alright. So we'll just say cash flow varies at the moment and is kind of out of the game for a little while. Perfect. Perfect. Now just let me know if these sound correct for your assets as well to see if this status come across. Alright? We have a house, a Tesla, some savings, and a motorbike. Alright. Yeah. Cool. So just a quick update on the values here for the three of them. The two motorbikes, is that about $15 or because you've got a second one that's a bit higher? Yep. Savings, I think last check was 25,000. And your home value, I think we had it at 350,000 owing for 680,000 value. Does that sound right? Oh, okay. I'll go with the lower estimate just to be conservative, but that's incredible. And are you under 300,000 now for the mortgage? Or yep. $4.30. Okay. Thank you so much for that. Any other assets or liabilities I haven't listed already? Okay. We've got the addresses still correct. Your Gmail account still okay for your main email? Alright. Phone number's there. You well, I know you're going through lawsuits at the moment, but have you actually ever gone through, like, a bankruptcy or a part nine debt agreement before? That's sensational. And did you put in place, last question, a will or power of attorney for your estate? Fantastic. But no power of attorney there for if you're in hospital, that kind of thing? System is will and. Alrighty. That should be perfect. Thank you so much for updating all of that with me. I do apologize for, misoccupationing you into Petbarn, but thank you for clearing that up. Oh, yeah. Petbarn's sensational. But, again, a 125 for a manager there. Doesn't make sense. Alright. COO MJP seminars. Perfect. I've got your super performance up in front of me as well, and then I'm just gonna briefly touch on your policy. Usually, log in to your Netwealth to keep an eye on it, or you just wait for the reviews. What's your usual yep. Life's busy. Good good enough on the plate. Totally fair. Totally fair. I do have some good and bad news for you. So you're in a pretty aggressive portfolio from what I can see here. Everything is in shares and gold. You've pretty much got growth assets across the board. You're pretty aggressive. Does that make sense in terms of risk level? Medium. Medium. Okay. So I'm having a look. Okay. This one's looking pretty Well, it's still up positive 4% for the year. It was having a pretty sharp up and down the last couple of months and and took a pretty sharp dive as well, and then it bounced back up into the positive. So it's made it back, but it's very, very volatile. And because you have a pretty solid balance there, you're sitting at almost a 140,000, It's tending to jump up and down about $10.15 grand every couple of weeks. So what I wanted to ask you is your preservation age is 60 when you can access your server. Age pension for Centrelink is 67. Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer? Absolutely. Getting the big returns is fantastic. So what tends to happen is, let's say, twenty, twenty seven years until retirement, you're probably gonna go through three or four cycles where the market goes up for five years, ten, twenty, 30%, and then it's gonna crash down ten, twenty, 30% for one year, and then it goes up for five, down for one, up for five, down for one. We do that cycle to keep growing you until fifties, and then we slowly reduce your risk level down 90% shares and property, eighty, seventy, sixty, fifty, forty. And then you're in your sixties, you have a nice, safe pension account with the money first grown and then protected. Does that sound uncomfortable for you? Yep. You do have a pretty decent balance. You kind of caught up for average balance for your age, and you've got a good 6 figure income, so contributions should be quite strong. You don't have to take on the highest level of risk. To get to that side? Me, I tend to bounce around a little bit. I I tend to play with mine between high risk, medium, high risk, medium. Most people, we tend to keep them somewhere between if you think of it at a scale of five, conservative, moderate, balanced growth, high growth, we keep them between growth and high growth until their fifties and then start winding them back after that. The way to essentially get there is to either go high growth or go one peg down, but maybe put $50 extra in salary sacrifice. So the tax savings gets you about the same outcome. Yeah. And there will be those odd negative years which we factor into the average because I think we're trying to get you, like, 10% average. So if it goes up ten, twenty, 30, and then down a little bit and averages out at 15%, fantastic. K? I'm gonna put a bit of a flag on it just to keep an eye on it for you. And if we need to adjust the risk level down, we will. There is one option that I wanna kind of replace for you because you've got about eight. They've all done fantastic except for one of them. Your gold's up 25%. Your American shares are up 17, but your Aussie shares have gone down a a decent chunk. So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares. Just a bit of an engine tune up. K? Do you have a preference? Now there's no wrong answer here. Do you have a preference between going for the lowest fee investments, or are you okay to pay higher fees to achieve a higher return? Yeah. All coming out as super. Because I can basically find you a good replacement in either style. It's just whether you have a strong leaning one way or the other. Cool. Good news is I do have a couple I've been researching after Christmas, and it's slightly more affordable than the one that you've got. It's still active, that sort of high fee style, but had a much stronger return over one, three, five, and ten years. So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around. Cool. Just quickly on your summary here, you've got Neos insurance, life, TPD, and income protection. Premiums are looking pretty good. 2,209 per year comes out of the super. 15% rebate drops it to about 1,800. So still under the 2 k mark. That's gonna increase through your forties. 45 to 50, it's gonna accelerate. 50 to 55, it's gonna go like a hockey stick. So before long, in your fifties, this could be about $6 for the policy. The whole point is that once you pay down your mortgage, we can trim down the insurances. Does that make sense? You've got $4.30 owing on the mortgage. You've got life and disability insurance of 654,000. So that covers the mortgage and then leaves you a couple of $100 plus your super on top, so that's not too bad. Trimming that down at this point probably won't do too much to the premiums, but how does that sound for a claim scenario? If you can never work again. Sound alright? Yeah. So you mix in your super, the insurances. You got your mortgage paid off. You invest that, and then Centrelink kicks in underneath. So you definitely don't wanna reduce it. That's fair enough. K. Your income protection, thirteen week waiting period. And then once you're out of work for that long, it kicks in monthly for up to five years per injury if it lasts that long. You've got 6,346 a month worth of cover. That's protecting an income of roundabout a 108,000. Actually, no. Sorry. You've got a 75% policy. Lucky you. You put this in place in January 2021 before the government capped it. That's brilliant. So I'm just gonna do one quick recalculation here. Please bear with me for two seconds. $6.03 $4.06 a month divided by 75%. So it's protecting an income of a 101,000. You would get? Just over $6 a month. Would that cover expenses for you? This is only let's say you're out for six months, so the house isn't paid off. Yeah. K. Now remember that's gross of 6 thousand 400. Okay. You don't want me to look at it bumping it up to match your income or anything like that? Just keep it at that level. K. What I might do is I'm going to do a quote for the maximum cover level, and I'm gonna keep an eye on the premiums, make sure it's not a big chunk of your contributions. When I give you that investment update document, I'll include the quote. You can let me know if you're comfortable with it. K? Do you want me to look at bumping up the life and TPD insurance at all so so there's a bit extra if you can never work again or you pass away? Anything like that? You wanna get an extra couple of $100 there? Or Yep. Perfect. Last question I forgot to check before. Has there been any changes in the family circumstances in terms of partnerships, starting a family, anything like that? You dog. Fantastic. What's the name? Wealthy. Alright. Is that two dogs? Yep. Two dogs. And the other dog's name? Vader and Wolfie. Oh my gosh. I love it. I love it. I've got Marshall from the Paw Patrol because my son named him. Cartoon dogs all around. Alrighty. So I'll do a bit of a check there. And I'm assuming you don't wanna get some trauma insurance, which is heart attack, stroke, and cancer, and you've gotta pay for it out of pocket. Cool. Alrighty. Any questions for me at this stage? Alright. I will get some I'm actually going on paternity leave in just over a month. So I'm gonna do thank you. We got two boys and a girl on the way now, so that'll cap us out at three. Yeah. I don't know why, but I'm sure I'll be happy when I'm 60. So what I'm gonna do is I'm gonna do the research in between. In a couple of weeks, the team will get you booked in just to run through that updated document with me so we can update your strategy before I go, and then we should be good to go after that. Cool. Do you want any more updated contact frequency after that quarterly, six monthly? Are you happy for the annual review? Yeah. Six monthly could be fine, especially if we do that, let's say, end of financial year and then we catch up around Christmas time. That'd be good. Alright. Six monthly contact. Now the service agreement is there. I'm just gonna double check the details of it just to make sure the new system has gotten that one correct. Bear with me for two secs, and then I can let you go. Alright. I love the old IT issues on a Friday morning when you can't click on half your screen. So maybe I should go to a four day work week, extra hours, take Friday off. Kinda doing the hours anyway, but I've always liked the five days, you know, see the kids in the morning and the nighttime, but I don't know. I'll consider it. Absolutely. Yeah. That's fantastic. We're actually starting that next week just with the fuel prices Thursday, Friday from home, which I'm looking forward to. Amelia, there's two documents for the digital authorization this year for you. So one of them is the service agreement. 1.65% is the fees spread out monthly throughout the year for the super until you hit 600,000 when it flatlines and caps. There's also a tax file number opt in form. So this is new just because of all the cybersecurity issues last year. We're trying to keep tax phone numbers on one document rather than three digital systems. So we're just asking for your consent to move it over there and just to make sure you're okay for us to hold that number because it is quite important. Cool. Any questions for me before I let you go for the weekends? You are amazing, Amelia. I will give you a buzz in a couple of weeks. I'll get working in the background. And if you need anything, please just call through. Have a good one. 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morning, Amelia. It's Tommy here, senior adviser from Oakview. How are you doing today? I'm doing fantastic. It is a brilliant cold, wet, rainy morning on the Gold Coast.\n\nWhat about down in WA? Oh, you finally joined us in the season. Amazing. Oh, jealous, jealous, and looking forward to the long weekends? No.\n\nOh, I hope it was good. Perfect. Perfect. I'm just giving you a buzz to go through your annual review. Perfect.\n\nNow I'm just gonna go through a quick little security check, and I've got an annual review pack that I'm gonna email out to you now. Are you okay to look onto your emails with me today, or should I just walk you through what's there? No worries at all. Are you okay for this call to be recorded, Amelia? Perfect.\n\nAnd can I just confirm the security of your account? So I'm registered with ASIC as Adviser1273105. We don't have a security question on file. Could you please confirm your date of birth and address? Sensational.\n\nThank you so much for doing that. So what I've just popped through to you for you to look on to when you do have time, the annual review pack includes, like, performance updates on your super, certificate of currency for your insurances, some financial services guides from us with our licensing information updated, as well as, like, ongoing service agreements and that kind of thing as well. Now, Amelia, is there anything in particular you would like to get out of this year's review? Fantastic. I'm gonna focus pretty heavily on the supers today just given what's going on in the world, make sure you're all in the right portfolio.\n\nDo you mind if I spend the two minutes quickly updating your details because we have switched systems? K? So just reconfirming some of your old goals. You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping. Does that sound about right?\n\nPerfect. And is that mainly to do with properties, just obtaining and flipping properties, or what was the the focus? Yeah. Yep. Perfect.\n\nDo you ever want to look at personal investing outside of properties, like some shares in your personal name, manage funds, anything like that, or just keep it to bricks and mortar? Yep. Totally fair. Totally fair. With your occupation, we had you at Petbarn as a manager earning a 100 and 25,000.\n\nOkay. So that looks strange because when I was looking at property flipping, I was like, hang on a second. This data looks a little bit strange. Can I just double check with you your occupation? That's why the old system switch has done the wrong thing here.\n\nCould I just take down your annual income, please? One seventy 5. That makes sense. I was thinking a manager at Petbarn probably isn't on 01/25, and they're probably not trying to flip properties. I do have the old details opening.\n\nWe've got learning development manager. Very, very old. Yeah. That's 2020. So I didn't think that would be right.\n\nOccupation title currently? COO. And who are you the COO of? MGB seminars. Fantastic.\n\nAlright. January. Do you have, like, a regular set savings schedule? Are you just piling everything into offset accounts, savings. Do you know how much you can save?\n\nOh, no. Alright. So we'll just say cash flow varies at the moment and is kind of out of the game for a little while. Perfect. Perfect.\n\nNow just let me know if these sound correct for your assets as well to see if this status come across. Alright? We have a house, a Tesla, some savings, and a motorbike. Alright. Yeah.\n\nCool. So just a quick update on the values here for the three of them. The two motorbikes, is that about $15 or because you've got a second one that's a bit higher? Yep. Savings, I think last check was 25,000.\n\nAnd your home value, I think we had it at 350,000 owing for 680,000 value. Does that sound right? Oh, okay. I'll go with the lower estimate just to be conservative, but that's incredible. And are you under 300,000 now for the mortgage?\n\nOr yep. $4.30. Okay. Thank you so much for that. Any other assets or liabilities I haven't listed already?\n\nOkay. We've got the addresses still correct. Your Gmail account still okay for your main email? Alright. Phone number's there.\n\nYou well, I know you're going through lawsuits at the moment, but have you actually ever gone through, like, a bankruptcy or a part nine debt agreement before? That's sensational. And did you put in place, last question, a will or power of attorney for your estate? Fantastic. But no power of attorney there for if you're in hospital, that kind of thing?\n\nSystem is will and. Alrighty. That should be perfect. Thank you so much for updating all of that with me. I do apologize for, misoccupationing you into Petbarn, but thank you for clearing that up.\n\nOh, yeah. Petbarn's sensational. But, again, a 125 for a manager there. Doesn't make sense. Alright.\n\nCOO MJP seminars. Perfect. I've got your super performance up in front of me as well, and then I'm just gonna briefly touch on your policy. Usually, log in to your Netwealth to keep an eye on it, or you just wait for the reviews. What's your usual yep.\n\nLife's busy. Good good enough on the plate. Totally fair. Totally fair. I do have some good and bad news for you.\n\nSo you're in a pretty aggressive portfolio from what I can see here. Everything is in shares and gold. You've pretty much got growth assets across the board. You're pretty aggressive. Does that make sense in terms of risk level?\n\nMedium. Medium. Okay. So I'm having a look. Okay.\n\nThis one's looking pretty Well, it's still up positive 4% for the year. It was having a pretty sharp up and down the last couple of months and and took a pretty sharp dive as well, and then it bounced back up into the positive. So it's made it back, but it's very, very volatile. And because you have a pretty solid balance there, you're sitting at almost a 140,000, It's tending to jump up and down about $10.15 grand every couple of weeks. So what I wanted to ask you is your preservation age is 60 when you can access your server.\n\nAge pension for Centrelink is 67. Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer? Absolutely. Getting the big returns is fantastic. So what tends to happen is, let's say, twenty, twenty seven years until retirement, you're probably gonna go through three or four cycles where the market goes up for five years, ten, twenty, 30%, and then it's gonna crash down ten, twenty, 30% for one year, and then it goes up for five, down for one, up for five, down for one.\n\nWe do that cycle to keep growing you until fifties, and then we slowly reduce your risk level down 90% shares and property, eighty, seventy, sixty, fifty, forty. And then you're in your sixties, you have a nice, safe pension account with the money first grown and then protected. Does that sound uncomfortable for you? Yep. You do have a pretty decent balance.\n\nYou kind of caught up for average balance for your age, and you've got a good 6 figure income, so contributions should be quite strong. You don't have to take on the highest level of risk. To get to that side? Me, I tend to bounce around a little bit. I I tend to play with mine between high risk, medium, high risk, medium.\n\nMost people, we tend to keep them somewhere between if you think of it at a scale of five, conservative, moderate, balanced growth, high growth, we keep them between growth and high growth until their fifties and then start winding them back after that. The way to essentially get there is to either go high growth or go one peg down, but maybe put $50 extra in salary sacrifice. So the tax savings gets you about the same outcome. Yeah. And there will be those odd negative years which we factor into the average because I think we're trying to get you, like, 10% average.\n\nSo if it goes up ten, twenty, 30, and then down a little bit and averages out at 15%, fantastic. K? I'm gonna put a bit of a flag on it just to keep an eye on it for you. And if we need to adjust the risk level down, we will. There is one option that I wanna kind of replace for you because you've got about eight.\n\nThey've all done fantastic except for one of them. Your gold's up 25%. Your American shares are up 17, but your Aussie shares have gone down a a decent chunk. So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares. Just a bit of an engine tune up.\n\nK? Do you have a preference? Now there's no wrong answer here. Do you have a preference between going for the lowest fee investments, or are you okay to pay higher fees to achieve a higher return? Yeah.\n\nAll coming out as super. Because I can basically find you a good replacement in either style. It's just whether you have a strong leaning one way or the other. Cool. Good news is I do have a couple I've been researching after Christmas, and it's slightly more affordable than the one that you've got.\n\nIt's still active, that sort of high fee style, but had a much stronger return over one, three, five, and ten years. So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around. Cool. Just quickly on your summary here, you've got Neos insurance, life, TPD, and income protection. Premiums are looking pretty good.\n\n2,209 per year comes out of the super. 15% rebate drops it to about 1,800. So still under the 2 k mark. That's gonna increase through your forties. 45 to 50, it's gonna accelerate.\n\n50 to 55, it's gonna go like a hockey stick. So before long, in your fifties, this could be about $6 for the policy. The whole point is that once you pay down your mortgage, we can trim down the insurances. Does that make sense? You've got $4.30 owing on the mortgage.\n\nYou've got life and disability insurance of 654,000. So that covers the mortgage and then leaves you a couple of $100 plus your super on top, so that's not too bad. Trimming that down at this point probably won't do too much to the premiums, but how does that sound for a claim scenario? If you can never work again. Sound alright?\n\nYeah. So you mix in your super, the insurances. You got your mortgage paid off. You invest that, and then Centrelink kicks in underneath. So you definitely don't wanna reduce it.\n\nThat's fair enough. K. Your income protection, thirteen week waiting period. And then once you're out of work for that long, it kicks in monthly for up to five years per injury if it lasts that long. You've got 6,346 a month worth of cover.\n\nThat's protecting an income of roundabout a 108,000. Actually, no. Sorry. You've got a 75% policy. Lucky you.\n\nYou put this in place in January 2021 before the government capped it. That's brilliant. So I'm just gonna do one quick recalculation here. Please bear with me for two seconds. $6.03 $4.06 a month divided by 75%.\n\nSo it's protecting an income of a 101,000. You would get? Just over $6 a month. Would that cover expenses for you? This is only let's say you're out for six months, so the house isn't paid off.\n\nYeah. K. Now remember that's gross of 6 thousand 400. Okay. You don't want me to look at it bumping it up to match your income or anything like that?\n\nJust keep it at that level. K. What I might do is I'm going to do a quote for the maximum cover level, and I'm gonna keep an eye on the premiums, make sure it's not a big chunk of your contributions. When I give you that investment update document, I'll include the quote. You can let me know if you're comfortable with it.\n\nK? Do you want me to look at bumping up the life and TPD insurance at all so so there's a bit extra if you can never work again or you pass away? Anything like that? You wanna get an extra couple of $100 there? Or Yep.\n\nPerfect. Last question I forgot to check before. Has there been any changes in the family circumstances in terms of partnerships, starting a family, anything like that? You dog. Fantastic.\n\nWhat's the name? Wealthy. Alright. Is that two dogs? Yep.\n\nTwo dogs. And the other dog's name? Vader and Wolfie. Oh my gosh. I love it.\n\nI love it. I've got Marshall from the Paw Patrol because my son named him. Cartoon dogs all around. Alrighty. So I'll do a bit of a check there.\n\nAnd I'm assuming you don't wanna get some trauma insurance, which is heart attack, stroke, and cancer, and you've gotta pay for it out of pocket. Cool. Alrighty. Any questions for me at this stage? Alright.\n\nI will get some I'm actually going on paternity leave in just over a month. So I'm gonna do thank you. We got two boys and a girl on the way now, so that'll cap us out at three. Yeah. I don't know why, but I'm sure I'll be happy when I'm 60.\n\nSo what I'm gonna do is I'm gonna do the research in between. In a couple of weeks, the team will get you booked in just to run through that updated document with me so we can update your strategy before I go, and then we should be good to go after that. Cool. Do you want any more updated contact frequency after that quarterly, six monthly? Are you happy for the annual review?\n\nYeah. Six monthly could be fine, especially if we do that, let's say, end of financial year and then we catch up around Christmas time. That'd be good. Alright. Six monthly contact.\n\nNow the service agreement is there. I'm just gonna double check the details of it just to make sure the new system has gotten that one correct. Bear with me for two secs, and then I can let you go. Alright. I love the old IT issues on a Friday morning when you can't click on half your screen.\n\nSo maybe I should go to a four day work week, extra hours, take Friday off. Kinda doing the hours anyway, but I've always liked the five days, you know, see the kids in the morning and the nighttime, but I don't know. I'll consider it. Absolutely. Yeah.\n\nThat's fantastic. We're actually starting that next week just with the fuel prices Thursday, Friday from home, which I'm looking forward to. Amelia, there's two documents for the digital authorization this year for you. So one of them is the service agreement. 1.65% is the fees spread out monthly throughout the year for the super until you hit 600,000 when it flatlines and caps.\n\nThere's also a tax file number opt in form. So this is new just because of all the cybersecurity issues last year. We're trying to keep tax phone numbers on one document rather than three digital systems. So we're just asking for your consent to move it over there and just to make sure you're okay for us to hold that number because it is quite important. Cool.\n\nAny questions for me before I let you go for the weekends? You are amazing, Amelia. I will give you a buzz in a couple of weeks. I'll get working in the background. And if you need anything, please just call through.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Amelia.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.26127733786900836},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.16,"end":6.08,"sentiment":"neutral","sentiment_score":0.17563557199069432},{"text":"How are you doing today?","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":0.18234972655773163},{"text":"I'm doing fantastic.","start":8.96,"end":10.179999,"sentiment":"positive","sentiment_score":0.7471526662508646},{"text":"It is a brilliant cold, wet, rainy morning on the Gold Coast.","start":10.32,"end":13.44,"sentiment":"positive","sentiment_score":0.5482071762283643}],"sentiment":"positive","sentiment_score":0.39149912546078364,"num_words":30,"start":3.1999998,"end":13.44},{"sentences":[{"text":"What about down in WA?","start":13.44,"end":14.74,"sentiment":"neutral","sentiment_score":0.03200816176831722},{"text":"Oh, you finally joined us in the season.","start":19.295,"end":21.155,"sentiment":"neutral","sentiment_score":0.11649524141103029},{"text":"Amazing.","start":21.215,"end":21.715,"sentiment":"positive","sentiment_score":0.4464500844478607},{"text":"Oh, jealous, jealous, and looking forward to the long weekends?","start":24.575,"end":27.075,"sentiment":"neutral","sentiment_score":0.2858714461326599},{"text":"No.","start":29.769999,"end":30.269999,"sentiment":"neutral","sentiment_score":-0.017265819013118744}],"sentiment":"neutral","sentiment_score":0.17519605867564678,"num_words":25,"start":13.44,"end":30.269999},{"sentences":[{"text":"Oh, I hope it was good.","start":30.41,"end":32.59,"sentiment":"neutral","sentiment_score":0.28652580827474594},{"text":"Perfect.","start":34.89,"end":35.39,"sentiment":"positive","sentiment_score":0.549605667591095},{"text":"Perfect.","start":35.449997,"end":35.769997,"sentiment":"positive","sentiment_score":0.534870445728302},{"text":"I'm just giving you a buzz to go through your annual review.","start":35.769997,"end":38.51,"sentiment":"neutral","sentiment_score":0.30338285863399506},{"text":"Perfect.","start":40.745,"end":41.245,"sentiment":"neutral","sentiment_score":0.30714285373687744}],"sentiment":"neutral","sentiment_score":0.32149372001489,"num_words":21,"start":30.41,"end":41.245},{"sentences":[{"text":"Now I'm just gonna go through a quick little security check, and I've got an annual review pack that I'm gonna email out to you now.","start":41.545,"end":48.284996,"sentiment":"neutral","sentiment_score":0.12445614572900993},{"text":"Are you okay to look onto your emails with me today, or should I just walk you through what's there?","start":48.745,"end":53.324997,"sentiment":"neutral","sentiment_score":0.06967094801366329},{"text":"No worries at all.","start":56.38,"end":57.58,"sentiment":"neutral","sentiment_score":0.06143768597394228},{"text":"Are you okay for this call to be recorded, Amelia?","start":57.74,"end":60.0,"sentiment":"neutral","sentiment_score":0.023692375048995018},{"text":"Perfect.","start":61.66,"end":62.16,"sentiment":"neutral","sentiment_score":0.14011192321777344}],"sentiment":"neutral","sentiment_score":0.08609942896444289,"num_words":61,"start":41.545,"end":62.16},{"sentences":[{"text":"And can I just confirm the security of your account?","start":62.46,"end":65.74,"sentiment":"neutral","sentiment_score":0.05599597524851561},{"text":"So I'm registered with ASIC as Adviser1273105.","start":65.74,"end":70.515,"sentiment":"neutral","sentiment_score":0.0260693881926792},{"text":"We don't have a security question on file.","start":70.515,"end":73.015,"sentiment":"neutral","sentiment_score":0.009096105583012104},{"text":"Could you please confirm your date of birth and address?","start":73.155,"end":76.295006,"sentiment":"neutral","sentiment_score":0.022236230596899987},{"text":"Sensational.","start":85.01,"end":85.090004,"sentiment":"neutral","sentiment_score":0.164629727602005}],"sentiment":"neutral","sentiment_score":0.03339462077969478,"num_words":36,"start":62.46,"end":85.090004},{"sentences":[{"text":"Thank you so much for doing that.","start":85.090004,"end":86.69,"sentiment":"positive","sentiment_score":0.5250730727400098},{"text":"So what I've just popped through to you for you to look on to when you do have time, the annual review pack includes, like, performance updates on your super, certificate of currency for your insurances, some financial services guides from us with our licensing information updated, as well as, like, ongoing service agreements and that kind of thing as well.","start":86.69,"end":105.985,"sentiment":"neutral","sentiment_score":0.16893547846645604},{"text":"Now, Amelia, is there anything in particular you would like to get out of this year's review?","start":107.244995,"end":111.3,"sentiment":"neutral","sentiment_score":0.015970464357558417},{"text":"Fantastic.","start":116.020004,"end":116.520004,"sentiment":"neutral","sentiment_score":0.004365398548543453},{"text":"I'm gonna focus pretty heavily on the supers today just given what's going on in the world, make sure you're all in the right portfolio.","start":116.98,"end":122.44,"sentiment":"neutral","sentiment_score":0.21854859352111816}],"sentiment":"neutral","sentiment_score":0.17765904348008,"num_words":111,"start":85.090004,"end":122.44},{"sentences":[{"text":"Do you mind if I spend the two minutes quickly updating your details because we have switched systems?","start":122.9,"end":127.655,"sentiment":"neutral","sentiment_score":0.04580066560043229},{"text":"K?","start":129.795,"end":130.19499,"sentiment":"neutral","sentiment_score":0.09848076105117798},{"text":"So just reconfirming some of your old goals.","start":130.19499,"end":132.775,"sentiment":"neutral","sentiment_score":0.26558198034763336},{"text":"You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping.","start":133.155,"end":143.37001,"sentiment":"positive","sentiment_score":0.4392788667570461},{"text":"Does that sound about right?","start":143.37001,"end":144.67001,"sentiment":"neutral","sentiment_score":0.19690719842910767}],"sentiment":"neutral","sentiment_score":0.2536336971377885,"num_words":54,"start":122.9,"end":144.67001},{"sentences":[{"text":"Perfect.","start":145.85,"end":146.33,"sentiment":"positive","sentiment_score":0.3519322872161865},{"text":"And is that mainly to do with properties, just obtaining and flipping properties, or what was the the focus?","start":146.33,"end":151.15001,"sentiment":"neutral","sentiment_score":0.05944546116025824},{"text":"Yeah.","start":155.225,"end":155.725,"sentiment":"neutral","sentiment_score":0.013190822675824164},{"text":"Yep.","start":164.345,"end":164.505,"sentiment":"neutral","sentiment_score":0.09737122058868408},{"text":"Perfect.","start":164.505,"end":165.005,"sentiment":"neutral","sentiment_score":0.23868921399116516}],"sentiment":"neutral","sentiment_score":0.0795933611529029,"num_words":23,"start":145.85,"end":165.005},{"sentences":[{"text":"Do you ever want to look at personal investing outside of properties, like some shares in your personal name, manage funds, anything like that, or just keep it to bricks and mortar?","start":165.24,"end":172.94,"sentiment":"neutral","sentiment_score":0.03985316591570154},{"text":"Yep.","start":176.28,"end":176.6,"sentiment":"neutral","sentiment_score":-0.040711842477321625},{"text":"Totally fair.","start":176.6,"end":177.24,"sentiment":"neutral","sentiment_score":0.1878703087568283},{"text":"Totally fair.","start":177.24,"end":178.14,"sentiment":"neutral","sentiment_score":0.14044245705008507},{"text":"With your occupation, we had you at Petbarn as a manager earning a 100 and 25,000.","start":179.525,"end":185.14499,"sentiment":"neutral","sentiment_score":-0.21247520484030247}],"sentiment":"neutral","sentiment_score":-0.02846015620765821,"num_words":53,"start":165.24,"end":185.14499},{"sentences":[{"text":"Okay.","start":187.925,"end":188.405,"sentiment":"neutral","sentiment_score":-0.10640931129455566},{"text":"So that looks strange because when I was looking at property flipping, I was like, hang on a second.","start":188.405,"end":193.285,"sentiment":"neutral","sentiment_score":-0.2257006270320792},{"text":"This data looks a little bit strange.","start":193.285,"end":195.48001,"sentiment":"neutral","sentiment_score":-0.24765791637556894},{"text":"Can I just double check with you your occupation?","start":196.66,"end":198.74,"sentiment":"neutral","sentiment_score":-0.10343905289967854},{"text":"That's why the old system switch has done the wrong thing here.","start":198.74,"end":202.20001,"sentiment":"negative","sentiment_score":-0.352996576577425}],"sentiment":"neutral","sentiment_score":-0.23531743821998438,"num_words":48,"start":187.925,"end":202.20001},{"sentences":[{"text":"Could I just take down your annual income, please?","start":202.42001,"end":205.08,"sentiment":"neutral","sentiment_score":-0.05557622222436799},{"text":"One seventy 5.","start":207.875,"end":209.255,"sentiment":"neutral","sentiment_score":-0.02818511240184307},{"text":"That makes sense.","start":209.71501,"end":210.35501,"sentiment":"neutral","sentiment_score":0.017445204158624012},{"text":"I was thinking a manager at Petbarn probably isn't on 01/25, and they're probably not trying to flip properties.","start":210.35501,"end":215.095,"sentiment":"neutral","sentiment_score":-0.10917381765811067},{"text":"I do have the old details opening.","start":215.475,"end":218.35501,"sentiment":"neutral","sentiment_score":-0.051101475954055786}],"sentiment":"neutral","sentiment_score":-0.07230289248613322,"num_words":41,"start":202.42001,"end":218.35501},{"sentences":[{"text":"We've got learning development manager.","start":218.35501,"end":220.615,"sentiment":"neutral","sentiment_score":-0.07611479461193085},{"text":"Very, very old.","start":223.5,"end":224.06,"sentiment":"neutral","sentiment_score":-0.2976103872060776},{"text":"Yeah.","start":224.06,"end":224.3,"sentiment":"neutral","sentiment_score":-0.05900893360376358},{"text":"That's 2020.","start":224.3,"end":225.26,"sentiment":"neutral","sentiment_score":-0.06889018975198269},{"text":"So I didn't think that would be right.","start":225.26,"end":227.2,"sentiment":"neutral","sentiment_score":-0.12146027106791735}],"sentiment":"neutral","sentiment_score":-0.12851982191205025,"num_words":19,"start":218.35501,"end":227.2},{"sentences":[{"text":"Occupation title currently?","start":227.74,"end":229.2,"sentiment":"neutral","sentiment_score":-0.029122586051623028},{"text":"COO.","start":232.22,"end":232.72,"sentiment":"neutral","sentiment_score":-0.026929885149002075},{"text":"And who are you the COO of?","start":232.94,"end":234.88,"sentiment":"neutral","sentiment_score":-0.025177577244383947},{"text":"MGB seminars.","start":237.555,"end":239.17499,"sentiment":"neutral","sentiment_score":0.0872698575258255},{"text":"Fantastic.","start":240.83499,"end":241.33499,"sentiment":"positive","sentiment_score":0.6707947254180908}],"sentiment":"neutral","sentiment_score":0.039628125461084504,"num_words":14,"start":227.74,"end":241.33499},{"sentences":[{"text":"Alright.","start":242.59499,"end":243.09499,"sentiment":"positive","sentiment_score":0.35836488008499146},{"text":"January.","start":243.23499,"end":244.375,"sentiment":"neutral","sentiment_score":0.262716144323349},{"text":"Do you have, like, a regular set savings schedule?","start":244.515,"end":247.075,"sentiment":"neutral","sentiment_score":0.11256225572692023},{"text":"Are you just piling everything into offset accounts, savings.","start":247.075,"end":250.08,"sentiment":"neutral","sentiment_score":0.07954698966609107},{"text":"Do you know how much you can save?","start":250.08,"end":251.94,"sentiment":"neutral","sentiment_score":0.04587338864803314}],"sentiment":"neutral","sentiment_score":0.09703754793320384,"num_words":28,"start":242.59499,"end":251.94},{"sentences":[{"text":"Oh, no.","start":258.72,"end":259.46,"sentiment":"neutral","sentiment_score":-0.17978841811418533},{"text":"Alright.","start":259.68,"end":260.0,"sentiment":"neutral","sentiment_score":-0.12763196229934692},{"text":"So we'll just say cash flow varies at the moment and is kind of out of the game for a little while.","start":260.0,"end":264.58002,"sentiment":"neutral","sentiment_score":-0.23747526955875484},{"text":"Perfect.","start":268.055,"end":268.455,"sentiment":"positive","sentiment_score":0.5398420691490173},{"text":"Perfect.","start":268.455,"end":268.955,"sentiment":"positive","sentiment_score":0.5305733680725098}],"sentiment":"neutral","sentiment_score":-0.17189812191106654,"num_words":27,"start":258.72,"end":268.955},{"sentences":[{"text":"Now just let me know if these sound correct for your assets as well to see if this status come across.","start":269.495,"end":273.655,"sentiment":"neutral","sentiment_score":0.17530179839758647},{"text":"Alright?","start":273.655,"end":274.155,"sentiment":"neutral","sentiment_score":0.06547718495130539},{"text":"We have a house, a Tesla, some savings, and a motorbike.","start":274.215,"end":277.51498,"sentiment":"neutral","sentiment_score":0.04029895263639363},{"text":"Alright.","start":292.225,"end":292.725,"sentiment":"neutral","sentiment_score":0.035524882376194},{"text":"Yeah.","start":297.42502,"end":297.825,"sentiment":"neutral","sentiment_score":0.15131095051765442}],"sentiment":"neutral","sentiment_score":0.12505540751985142,"num_words":35,"start":269.495,"end":297.825},{"sentences":[{"text":"Cool.","start":297.825,"end":298.065,"sentiment":"neutral","sentiment_score":0.184591680765152},{"text":"So just a quick update on the values here for the three of them.","start":298.065,"end":300.945,"sentiment":"neutral","sentiment_score":0.06348078697919846},{"text":"The two motorbikes, is that about $15 or because you've got a second one that's a bit higher?","start":300.945,"end":305.64,"sentiment":"neutral","sentiment_score":0.007899158582505252},{"text":"Yep.","start":309.08002,"end":309.58002,"sentiment":"neutral","sentiment_score":0.04282398149371147},{"text":"Savings, I think last check was 25,000.","start":310.2,"end":312.62003,"sentiment":"neutral","sentiment_score":0.03249039367905685}],"sentiment":"neutral","sentiment_score":0.036238153419661814,"num_words":41,"start":297.825,"end":312.62003},{"sentences":[{"text":"And your home value, I think we had it at 350,000 owing for 680,000 value.","start":314.68002,"end":321.23502,"sentiment":"neutral","sentiment_score":0.02803421492377917},{"text":"Does that sound right?","start":321.295,"end":322.355,"sentiment":"neutral","sentiment_score":0.0255063334479928},{"text":"Oh, okay.","start":324.735,"end":328.115,"sentiment":"neutral","sentiment_score":0.019279157742857933},{"text":"I'll go with the lower estimate just to be conservative, but that's incredible.","start":328.17502,"end":331.155,"sentiment":"neutral","sentiment_score":0.06485299307566422},{"text":"And are you under 300,000 now for the mortgage?","start":332.6,"end":334.91998,"sentiment":"neutral","sentiment_score":0.0032994995514551797}],"sentiment":"neutral","sentiment_score":0.03334607625770014,"num_words":43,"start":314.68002,"end":334.91998},{"sentences":[{"text":"Or yep.","start":334.91998,"end":339.5,"sentiment":"neutral","sentiment_score":-0.04324277117848396},{"text":"$4.30.","start":342.36,"end":343.16,"sentiment":"neutral","sentiment_score":0.005752922967076302},{"text":"Okay.","start":343.16,"end":343.56,"sentiment":"neutral","sentiment_score":0.10677437484264374},{"text":"Thank you so much for that.","start":343.56,"end":344.6,"sentiment":"positive","sentiment_score":0.4973847617705663},{"text":"Any other assets or liabilities I haven't listed already?","start":344.6,"end":347.5,"sentiment":"neutral","sentiment_score":0.09731673200925191}],"sentiment":"neutral","sentiment_score":0.2045368902189167,"num_words":19,"start":334.91998,"end":347.5},{"sentences":[{"text":"Okay.","start":349.45502,"end":349.95502,"sentiment":"neutral","sentiment_score":0.010736016556620598},{"text":"We've got the addresses still correct.","start":350.975,"end":352.915,"sentiment":"neutral","sentiment_score":0.03141962395360073},{"text":"Your Gmail account still okay for your main email?","start":353.135,"end":355.635,"sentiment":"neutral","sentiment_score":0.03226696285936567},{"text":"Alright.","start":356.895,"end":357.375,"sentiment":"neutral","sentiment_score":0.027559896931052208},{"text":"Phone number's there.","start":357.375,"end":358.515,"sentiment":"neutral","sentiment_score":0.008969712381561598}],"sentiment":"neutral","sentiment_score":0.02720627300441265,"num_words":20,"start":349.45502,"end":358.515},{"sentences":[{"text":"You well, I know you're going through lawsuits at the moment, but have you actually ever gone through, like, a bankruptcy or a part nine debt agreement before?","start":359.055,"end":366.44998,"sentiment":"neutral","sentiment_score":-0.0959758437903864},{"text":"That's sensational.","start":367.38998,"end":368.61,"sentiment":"neutral","sentiment_score":-0.3176633417606354},{"text":"And did you put in place, last question, a will or power of attorney for your estate?","start":369.71,"end":373.97,"sentiment":"neutral","sentiment_score":-0.008437279830960667},{"text":"Fantastic.","start":376.76498,"end":377.26498,"sentiment":"neutral","sentiment_score":0.31106990575790405},{"text":"But no power of attorney there for if you're in hospital, that kind of thing?","start":377.32498,"end":381.26498,"sentiment":"neutral","sentiment_score":-0.11098004405697187}],"sentiment":"neutral","sentiment_score":-0.07650340987103325,"num_words":63,"start":359.055,"end":381.26498},{"sentences":[{"text":"System is will and.","start":385.32498,"end":387.26498,"sentiment":"neutral","sentiment_score":-0.0760442204773426},{"text":"Alrighty.","start":388.63,"end":389.13,"sentiment":"neutral","sentiment_score":0.19587677717208865},{"text":"That should be perfect.","start":389.27,"end":390.38998,"sentiment":"positive","sentiment_score":0.46168822050094604},{"text":"Thank you so much for updating all of that with me.","start":390.38998,"end":392.22998,"sentiment":"positive","sentiment_score":0.3418597348711707},{"text":"I do apologize for, misoccupationing you into Petbarn, but thank you for clearing that up.","start":392.22998,"end":398.16998,"sentiment":"neutral","sentiment_score":-0.017535218968987465}],"sentiment":"neutral","sentiment_score":0.14959661646613054,"num_words":35,"start":385.32498,"end":398.16998},{"sentences":[{"text":"Oh, yeah.","start":399.66998,"end":400.06998,"sentiment":"neutral","sentiment_score":-0.03662103973329067},{"text":"Petbarn's sensational.","start":400.06998,"end":401.13,"sentiment":"neutral","sentiment_score":-0.12264984101057053},{"text":"But, again, a 125 for a manager there.","start":401.27,"end":404.065,"sentiment":"neutral","sentiment_score":-0.20493707433342934},{"text":"Doesn't make sense.","start":404.065,"end":405.04498,"sentiment":"neutral","sentiment_score":-0.2997140884399414},{"text":"Alright.","start":405.185,"end":405.685,"sentiment":"neutral","sentiment_score":0.04070647805929184}],"sentiment":"neutral","sentiment_score":-0.1760296339634806,"num_words":16,"start":399.66998,"end":405.685},{"sentences":[{"text":"COO MJP seminars.","start":405.745,"end":407.285,"sentiment":"neutral","sentiment_score":0.07149330029884975},{"text":"Perfect.","start":407.425,"end":407.925,"sentiment":"positive","sentiment_score":0.49081724882125854},{"text":"I've got your super performance up in front of me as well, and then I'm just gonna briefly touch on your policy.","start":408.225,"end":413.525,"sentiment":"neutral","sentiment_score":0.3184153647585349},{"text":"Usually, log in to your Netwealth to keep an eye on it, or you just wait for the reviews.","start":414.95,"end":418.57,"sentiment":"neutral","sentiment_score":0.05415150582006103},{"text":"What's your usual yep.","start":418.63,"end":426.39,"sentiment":"neutral","sentiment_score":-0.020631640683859587}],"sentiment":"neutral","sentiment_score":0.17666912698472031,"num_words":49,"start":405.745,"end":426.39},{"sentences":[{"text":"Life's busy.","start":426.39,"end":427.11002,"sentiment":"neutral","sentiment_score":-0.12843690812587738},{"text":"Good good enough on the plate.","start":427.11002,"end":428.73,"sentiment":"neutral","sentiment_score":-0.04520346721013387},{"text":"Totally fair.","start":430.005,"end":430.725,"sentiment":"neutral","sentiment_score":0.12450307980179787},{"text":"Totally fair.","start":430.725,"end":431.625,"sentiment":"neutral","sentiment_score":0.12544489279389381},{"text":"I do have some good and bad news for you.","start":431.845,"end":434.88498,"sentiment":"neutral","sentiment_score":-0.01344621293246746}],"sentiment":"neutral","sentiment_score":-0.007393672892993147,"num_words":22,"start":426.39,"end":434.88498},{"sentences":[{"text":"So you're in a pretty aggressive portfolio from what I can see here.","start":434.88498,"end":439.38498,"sentiment":"neutral","sentiment_score":-0.05582097144081043},{"text":"Everything is in shares and gold.","start":439.685,"end":442.10498,"sentiment":"neutral","sentiment_score":0.008782720193266869},{"text":"You've pretty much got growth assets across the board.","start":442.43,"end":445.31,"sentiment":"neutral","sentiment_score":0.016627313310487404},{"text":"You're pretty aggressive.","start":445.31,"end":446.27002,"sentiment":"neutral","sentiment_score":-0.05642946312824885},{"text":"Does that make sense in terms of risk level?","start":446.27002,"end":449.09,"sentiment":"neutral","sentiment_score":-0.05449149799015787}],"sentiment":"neutral","sentiment_score":-0.029576058976817875,"num_words":40,"start":434.88498,"end":449.09},{"sentences":[{"text":"Medium.","start":452.51,"end":452.91,"sentiment":"neutral","sentiment_score":0.0025510024279356003},{"text":"Medium.","start":452.91,"end":453.31,"sentiment":"neutral","sentiment_score":0.003984443843364716},{"text":"Okay.","start":453.31,"end":453.55002,"sentiment":"neutral","sentiment_score":0.018120866268873215},{"text":"So I'm having a look.","start":453.55002,"end":454.995,"sentiment":"neutral","sentiment_score":0.008337454125285148},{"text":"Okay.","start":459.07498,"end":459.57498,"sentiment":"neutral","sentiment_score":-0.004155753180384636}],"sentiment":"neutral","sentiment_score":0.006909758887357182,"num_words":9,"start":452.51,"end":459.57498},{"sentences":[{"text":"This one's looking pretty Well, it's still up positive 4% for the year.","start":459.715,"end":465.555,"sentiment":"neutral","sentiment_score":0.266581690368744},{"text":"It was having a pretty sharp up and down the last couple of months and and took a pretty sharp dive as well, and then it bounced back up into the positive.","start":465.555,"end":472.97,"sentiment":"neutral","sentiment_score":0.09339621802791953},{"text":"So it's made it back, but it's very, very volatile.","start":473.51,"end":477.53,"sentiment":"neutral","sentiment_score":-0.1600276040378958},{"text":"And because you have a pretty solid balance there, you're sitting at almost a 140,000, It's tending to jump up and down about $10.15 grand every couple of weeks.","start":477.75,"end":487.865,"sentiment":"neutral","sentiment_score":0.050870454870164394},{"text":"So what I wanted to ask you is your preservation age is 60 when you can access your server.","start":490.725,"end":496.025,"sentiment":"neutral","sentiment_score":0.016698549795699746}],"sentiment":"neutral","sentiment_score":0.06452893736564273,"num_words":103,"start":459.715,"end":496.025},{"sentences":[{"text":"Age pension for Centrelink is 67.","start":496.34998,"end":498.77,"sentiment":"neutral","sentiment_score":0.01356834980348746},{"text":"Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer?","start":498.99,"end":508.77,"sentiment":"neutral","sentiment_score":0.00007297902234963009},{"text":"Absolutely.","start":523.29,"end":523.79,"sentiment":"positive","sentiment_score":0.6375824213027954},{"text":"Getting the big returns is fantastic.","start":524.01,"end":525.69,"sentiment":"positive","sentiment_score":0.7442267934481303},{"text":"So what tends to happen is, let's say, twenty, twenty seven years until retirement, you're probably gonna go through three or four cycles where the market goes up for five years, ten, twenty, 30%, and then it's gonna crash down ten, twenty, 30% for one year, and then it goes up for five, down for one, up for five, down for one.","start":525.69,"end":543.945,"sentiment":"neutral","sentiment_score":0.013906057533477583}],"sentiment":"neutral","sentiment_score":0.05499166466973045,"num_words":110,"start":496.34998,"end":543.945},{"sentences":[{"text":"We do that cycle to keep growing you until fifties, and then we slowly reduce your risk level down 90% shares and property, eighty, seventy, sixty, fifty, forty.","start":544.245,"end":554.83,"sentiment":"neutral","sentiment_score":0.04969113639422825},{"text":"And then you're in your sixties, you have a nice, safe pension account with the money first grown and then protected.","start":555.21,"end":561.15,"sentiment":"neutral","sentiment_score":0.14435997286013194},{"text":"Does that sound uncomfortable for you?","start":561.85,"end":563.955,"sentiment":"neutral","sentiment_score":-0.23864739636580148},{"text":"Yep.","start":568.275,"end":568.775,"sentiment":"neutral","sentiment_score":0.13291215896606445},{"text":"You do have a pretty decent balance.","start":569.155,"end":571.23505,"sentiment":"neutral","sentiment_score":0.2641511282750538}],"sentiment":"neutral","sentiment_score":0.07893645917139357,"num_words":63,"start":544.245,"end":571.23505},{"sentences":[{"text":"You kind of caught up for average balance for your age, and you've got a good 6 figure income, so contributions should be quite strong.","start":571.23505,"end":579.73505,"sentiment":"neutral","sentiment_score":0.24191270232200623},{"text":"You don't have to take on the highest level of risk.","start":581.17,"end":584.07,"sentiment":"neutral","sentiment_score":0.10579638843509284},{"text":"To get to that side?","start":586.29,"end":587.43,"sentiment":"neutral","sentiment_score":0.008733982685953379},{"text":"Me, I tend to bounce around a little bit.","start":588.29,"end":590.77,"sentiment":"neutral","sentiment_score":0.09734564274549484},{"text":"I I tend to play with mine between high risk, medium, high risk, medium.","start":590.77,"end":594.31,"sentiment":"neutral","sentiment_score":0.05142058112791607}],"sentiment":"neutral","sentiment_score":0.13830072913697222,"num_words":64,"start":571.23505,"end":594.31},{"sentences":[{"text":"Most people, we tend to keep them somewhere between if you think of it at a scale of five, conservative, moderate, balanced growth, high growth, we keep them between growth and high growth until their fifties and then start winding them back after that.","start":596.315,"end":611.34,"sentiment":"neutral","sentiment_score":0.2460983448069204},{"text":"The way to essentially get there is to either go high growth or go one peg down, but maybe put $50 extra in salary sacrifice.","start":611.66003,"end":620.4,"sentiment":"neutral","sentiment_score":0.16730988025665283},{"text":"So the tax savings gets you about the same outcome.","start":620.62006,"end":623.36005,"sentiment":"neutral","sentiment_score":0.24390877336263656},{"text":"Yeah.","start":632.045,"end":632.365,"sentiment":"neutral","sentiment_score":-0.007612088695168495},{"text":"And there will be those odd negative years which we factor into the average because I think we're trying to get you, like, 10% average.","start":632.365,"end":638.785,"sentiment":"neutral","sentiment_score":0.03149227485060692}],"sentiment":"neutral","sentiment_score":0.17361768280111609,"num_words":105,"start":596.315,"end":638.785},{"sentences":[{"text":"So if it goes up ten, twenty, 30, and then down a little bit and averages out at 15%, fantastic.","start":639.05,"end":644.35,"sentiment":"neutral","sentiment_score":0.2698564898222685},{"text":"K?","start":648.17,"end":648.56995,"sentiment":"neutral","sentiment_score":0.09390996396541595},{"text":"I'm gonna put a bit of a flag on it just to keep an eye on it for you.","start":648.56995,"end":651.85,"sentiment":"neutral","sentiment_score":0.12666324878993787},{"text":"And if we need to adjust the risk level down, we will.","start":651.85,"end":655.895,"sentiment":"neutral","sentiment_score":0.025634525964657467},{"text":"There is one option that I wanna kind of replace for you because you've got about eight.","start":656.195,"end":661.415,"sentiment":"neutral","sentiment_score":0.10076038232621025}],"sentiment":"neutral","sentiment_score":0.14374177244262418,"num_words":69,"start":639.05,"end":661.415},{"sentences":[{"text":"They've all done fantastic except for one of them.","start":661.475,"end":664.055,"sentiment":"positive","sentiment_score":0.33555956019295585},{"text":"Your gold's up 25%.","start":664.115,"end":665.795,"sentiment":"neutral","sentiment_score":0.19983422756195068},{"text":"Your American shares are up 17, but your Aussie shares have gone down a a decent chunk.","start":665.795,"end":670.95,"sentiment":"neutral","sentiment_score":0.13204485835397944},{"text":"So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares.","start":671.33,"end":677.09,"sentiment":"neutral","sentiment_score":0.1526479575297107},{"text":"Just a bit of an engine tune up.","start":677.09,"end":678.95,"sentiment":"neutral","sentiment_score":0.0892928121611476}],"sentiment":"neutral","sentiment_score":0.1686783781061407,"num_words":61,"start":661.475,"end":678.95},{"sentences":[{"text":"K?","start":680.305,"end":680.805,"sentiment":"neutral","sentiment_score":0.03406403958797455},{"text":"Do you have a preference?","start":681.505,"end":682.72504,"sentiment":"neutral","sentiment_score":0.04166102483868599},{"text":"Now there's no wrong answer here.","start":682.78503,"end":684.385,"sentiment":"neutral","sentiment_score":0.04900536127388477},{"text":"Do you have a preference between going for the lowest fee investments, or are you okay to pay higher fees to achieve a higher return?","start":684.385,"end":692.085,"sentiment":"neutral","sentiment_score":0.05169481322169304},{"text":"Yeah.","start":697.27997,"end":697.68,"sentiment":"neutral","sentiment_score":0.057637788355350494}],"sentiment":"neutral","sentiment_score":0.049642353955852356,"num_words":38,"start":680.305,"end":697.68},{"sentences":[{"text":"All coming out as super.","start":697.68,"end":698.63995,"sentiment":"neutral","sentiment_score":0.31248542070388796},{"text":"Because I can basically find you a good replacement in either style.","start":698.63995,"end":701.92,"sentiment":"neutral","sentiment_score":0.26006626586119336},{"text":"It's just whether you have a strong leaning one way or the other.","start":701.92,"end":704.745,"sentiment":"neutral","sentiment_score":-0.015584205689195257},{"text":"Cool.","start":709.305,"end":709.805,"sentiment":"neutral","sentiment_score":0.2201625108718872},{"text":"Good news is I do have a couple I've been researching after Christmas, and it's slightly more affordable than the one that you've got.","start":710.985,"end":718.525,"sentiment":"positive","sentiment_score":0.5280521536866823}],"sentiment":"neutral","sentiment_score":0.3158916694408452,"num_words":55,"start":697.68,"end":718.525},{"sentences":[{"text":"It's still active, that sort of high fee style, but had a much stronger return over one, three, five, and ten years.","start":718.64,"end":724.9,"sentiment":"neutral","sentiment_score":0.2682014161890203},{"text":"So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around.","start":724.96,"end":733.125,"sentiment":"neutral","sentiment_score":0.24525516331195832},{"text":"Cool.","start":735.045,"end":735.545,"sentiment":"positive","sentiment_score":0.4673265218734741},{"text":"Just quickly on your summary here, you've got Neos insurance, life, TPD, and income protection.","start":735.685,"end":742.985,"sentiment":"neutral","sentiment_score":0.2502429793278376},{"text":"Premiums are looking pretty good.","start":744.165,"end":745.865,"sentiment":"positive","sentiment_score":0.5832762479782104}],"sentiment":"neutral","sentiment_score":0.27720146568921894,"num_words":78,"start":718.64,"end":745.865},{"sentences":[{"text":"2,209 per year comes out of the super.","start":746.19,"end":749.33,"sentiment":"neutral","sentiment_score":0.1885368749499321},{"text":"15% rebate drops it to about 1,800.","start":749.95,"end":752.85004,"sentiment":"neutral","sentiment_score":0.11414619641644615},{"text":"So still under the 2 k mark.","start":753.39,"end":755.49,"sentiment":"neutral","sentiment_score":0.1014565649841513},{"text":"That's gonna increase through your forties.","start":756.27,"end":758.37,"sentiment":"neutral","sentiment_score":0.09003782706956069},{"text":"45 to 50, it's gonna accelerate.","start":758.83,"end":761.09,"sentiment":"neutral","sentiment_score":0.028756534680724144}],"sentiment":"neutral","sentiment_score":0.10971413235015728,"num_words":34,"start":746.19,"end":761.09},{"sentences":[{"text":"50 to 55, it's gonna go like a hockey stick.","start":761.555,"end":764.21497,"sentiment":"neutral","sentiment_score":0.04209183659404516},{"text":"So before long, in your fifties, this could be about $6 for the policy.","start":764.27496,"end":768.45496,"sentiment":"neutral","sentiment_score":0.08335823592330728},{"text":"The whole point is that once you pay down your mortgage, we can trim down the insurances.","start":768.915,"end":773.815,"sentiment":"neutral","sentiment_score":0.0896380335530814},{"text":"Does that make sense?","start":774.51,"end":775.57,"sentiment":"neutral","sentiment_score":0.09189900383353233},{"text":"You've got $4.30 owing on the mortgage.","start":776.91003,"end":779.07,"sentiment":"neutral","sentiment_score":0.08032435923814774}],"sentiment":"neutral","sentiment_score":0.07772397633212116,"num_words":52,"start":761.555,"end":779.07},{"sentences":[{"text":"You've got life and disability insurance of 654,000.","start":779.07,"end":783.09,"sentiment":"neutral","sentiment_score":0.08212076872587204},{"text":"So that covers the mortgage and then leaves you a couple of $100 plus your super on top, so that's not too bad.","start":784.83,"end":790.56494,"sentiment":"neutral","sentiment_score":0.07971906321852104},{"text":"Trimming that down at this point probably won't do too much to the premiums, but how does that sound for a claim scenario?","start":792.785,"end":798.485,"sentiment":"neutral","sentiment_score":-0.028078938662276967},{"text":"If you can never work again.","start":798.545,"end":800.00494,"sentiment":"neutral","sentiment_score":-0.09072662517428398},{"text":"Sound alright?","start":800.38495,"end":801.125,"sentiment":"neutral","sentiment_score":-0.01629270426928997}],"sentiment":"neutral","sentiment_score":0.020447481532521065,"num_words":62,"start":779.07,"end":801.125},{"sentences":[{"text":"Yeah.","start":805.76,"end":806.07996,"sentiment":"neutral","sentiment_score":0.02741721086204052},{"text":"So you mix in your super, the insurances.","start":806.07996,"end":808.42,"sentiment":"neutral","sentiment_score":0.030053240479901433},{"text":"You got your mortgage paid off.","start":808.48,"end":810.0,"sentiment":"neutral","sentiment_score":0.032550619915127754},{"text":"You invest that, and then Centrelink kicks in underneath.","start":810.0,"end":812.66,"sentiment":"neutral","sentiment_score":0.05915521913104587},{"text":"So you definitely don't wanna reduce it.","start":817.775,"end":819.455,"sentiment":"neutral","sentiment_score":-0.22407899371215276}],"sentiment":"neutral","sentiment_score":-0.018484165471407674,"num_words":31,"start":805.76,"end":819.455},{"sentences":[{"text":"That's fair enough.","start":819.455,"end":820.355,"sentiment":"neutral","sentiment_score":-0.05657946194211642},{"text":"K.","start":822.335,"end":822.835,"sentiment":"neutral","sentiment_score":-0.017041726037859917},{"text":"Your income protection, thirteen week waiting period.","start":823.295,"end":826.675,"sentiment":"neutral","sentiment_score":-0.04482040926814079},{"text":"And then once you're out of work for that long, it kicks in monthly for up to five years per injury if it lasts that long.","start":826.68,"end":833.82,"sentiment":"neutral","sentiment_score":-0.10174097235386188},{"text":"You've got 6,346 a month worth of cover.","start":834.36,"end":841.07495,"sentiment":"neutral","sentiment_score":0.16567962057888508}],"sentiment":"neutral","sentiment_score":-0.04045225096245607,"num_words":45,"start":819.455,"end":841.07495},{"sentences":[{"text":"That's protecting an income of roundabout a 108,000.","start":841.735,"end":847.515,"sentiment":"neutral","sentiment_score":0.22021858766674995},{"text":"Actually, no.","start":847.575,"end":848.295,"sentiment":"neutral","sentiment_score":-0.0367349972948432},{"text":"Sorry.","start":848.295,"end":848.535,"sentiment":"neutral","sentiment_score":-0.05160684511065483},{"text":"You've got a 75% policy.","start":848.535,"end":850.315,"sentiment":"neutral","sentiment_score":0.149763223528862},{"text":"Lucky you.","start":851.19,"end":851.67,"sentiment":"positive","sentiment_score":0.6098636388778687}],"sentiment":"neutral","sentiment_score":0.20028973650187254,"num_words":18,"start":841.735,"end":851.67},{"sentences":[{"text":"You put this in place in January 2021 before the government capped it.","start":851.67,"end":856.65,"sentiment":"positive","sentiment_score":0.41821605884111845},{"text":"That's brilliant.","start":857.27,"end":858.09,"sentiment":"positive","sentiment_score":0.8064562976360321},{"text":"So I'm just gonna do one quick recalculation here.","start":858.39,"end":860.95,"sentiment":"neutral","sentiment_score":0.16644943960838848},{"text":"Please bear with me for two seconds.","start":860.95,"end":862.57,"sentiment":"neutral","sentiment_score":0.020007208521877016},{"text":"$6.03 $4.06 a month divided by 75%.","start":863.445,"end":868.34503,"sentiment":"neutral","sentiment_score":0.08516573586634227}],"sentiment":"neutral","sentiment_score":0.2443151822999904,"num_words":38,"start":851.67,"end":868.34503},{"sentences":[{"text":"So it's protecting an income of a 101,000.","start":868.645,"end":871.54504,"sentiment":"neutral","sentiment_score":0.15060899034142494},{"text":"You would get?","start":873.60504,"end":874.42505,"sentiment":"neutral","sentiment_score":0.03669997304677963},{"text":"Just over $6 a month.","start":874.48505,"end":875.685,"sentiment":"neutral","sentiment_score":0.039762746170163156},{"text":"Would that cover expenses for you?","start":875.685,"end":877.47,"sentiment":"neutral","sentiment_score":0.03834869681547085},{"text":"This is only let's say you're out for six months, so the house isn't paid off.","start":881.47,"end":885.00995,"sentiment":"neutral","sentiment_score":-0.10070893028751016}],"sentiment":"neutral","sentiment_score":0.0034877597109267584,"num_words":38,"start":868.645,"end":885.00995},{"sentences":[{"text":"Yeah.","start":890.445,"end":890.945,"sentiment":"neutral","sentiment_score":0.010725896805524826},{"text":"K.","start":893.08496,"end":893.565,"sentiment":"neutral","sentiment_score":0.021764561533927917},{"text":"Now remember that's gross of 6 thousand 400.","start":893.565,"end":896.225,"sentiment":"neutral","sentiment_score":0.07490545278415084},{"text":"Okay.","start":898.925,"end":899.40497,"sentiment":"neutral","sentiment_score":0.0652332454919815},{"text":"You don't want me to look at it bumping it up to match your income or anything like that?","start":899.40497,"end":902.685,"sentiment":"neutral","sentiment_score":-0.05955096363629166}],"sentiment":"neutral","sentiment_score":-0.014483366099496683,"num_words":30,"start":890.445,"end":902.685},{"sentences":[{"text":"Just keep it at that level.","start":902.685,"end":903.985,"sentiment":"neutral","sentiment_score":-0.007893946021795273},{"text":"K.","start":911.99,"end":912.49,"sentiment":"neutral","sentiment_score":0.050340473651885986},{"text":"What I might do is I'm going to do a quote for the maximum cover level, and I'm gonna keep an eye on the premiums, make sure it's not a big chunk of your contributions.","start":913.02997,"end":922.625,"sentiment":"neutral","sentiment_score":0.07992899630750928},{"text":"When I give you that investment update document, I'll include the quote.","start":923.085,"end":926.205,"sentiment":"neutral","sentiment_score":0.15160867385566235},{"text":"You can let me know if you're comfortable with it.","start":926.205,"end":928.225,"sentiment":"neutral","sentiment_score":0.14429567009210587}],"sentiment":"neutral","sentiment_score":0.09473050711676478,"num_words":64,"start":902.685,"end":928.225},{"sentences":[{"text":"K?","start":929.485,"end":929.965,"sentiment":"neutral","sentiment_score":-0.02891625463962555},{"text":"Do you want me to look at bumping up the life and TPD insurance at all so so there's a bit extra if you can never work again or you pass away?","start":929.965,"end":936.57996,"sentiment":"neutral","sentiment_score":-0.04936701786937192},{"text":"Anything like that?","start":937.04,"end":937.68,"sentiment":"neutral","sentiment_score":-0.04150599737962087},{"text":"You wanna get an extra couple of $100 there?","start":937.68,"end":939.68,"sentiment":"neutral","sentiment_score":-0.030503083848290972},{"text":"Or Yep.","start":939.68,"end":942.31995,"sentiment":"neutral","sentiment_score":0.019623858854174614}],"sentiment":"neutral","sentiment_score":-0.0418821033090353,"num_words":47,"start":929.485,"end":942.31995},{"sentences":[{"text":"Perfect.","start":942.31995,"end":942.81995,"sentiment":"positive","sentiment_score":0.3394085168838501},{"text":"Last question I forgot to check before.","start":943.36,"end":944.95996,"sentiment":"neutral","sentiment_score":0.019029723746435984},{"text":"Has there been any changes in the family circumstances in terms of partnerships, starting a family, anything like that?","start":944.95996,"end":951.95496,"sentiment":"neutral","sentiment_score":-0.02217988277736463},{"text":"You dog.","start":954.33496,"end":954.89496,"sentiment":"neutral","sentiment_score":0.07682044431567192},{"text":"Fantastic.","start":954.89496,"end":955.375,"sentiment":"positive","sentiment_score":0.43636274337768555}],"sentiment":"neutral","sentiment_score":0.021373414744933445,"num_words":30,"start":942.31995,"end":955.375},{"sentences":[{"text":"What's the name?","start":955.375,"end":956.355,"sentiment":"neutral","sentiment_score":0.12345568339029948},{"text":"Wealthy.","start":957.77496,"end":958.27496,"sentiment":"neutral","sentiment_score":0.17435956001281738},{"text":"Alright.","start":958.735,"end":959.235,"sentiment":"neutral","sentiment_score":0.07968708872795105},{"text":"Is that two dogs?","start":959.375,"end":960.83496,"sentiment":"neutral","sentiment_score":0.019983900943771005},{"text":"Yep.","start":964.43,"end":964.93,"sentiment":"neutral","sentiment_score":0.03227796033024788}],"sentiment":"neutral","sentiment_score":0.07366272630169987,"num_words":10,"start":955.375,"end":964.93},{"sentences":[{"text":"Two dogs.","start":965.07,"end":965.81,"sentiment":"neutral","sentiment_score":0.023375808261334896},{"text":"And the other dog's name?","start":966.11,"end":967.41,"sentiment":"neutral","sentiment_score":0.019842176139354704},{"text":"Vader and Wolfie.","start":968.99,"end":970.02997,"sentiment":"neutral","sentiment_score":0.031905397772789},{"text":"Oh my gosh.","start":970.02997,"end":970.85,"sentiment":"neutral","sentiment_score":0.10496610154708226},{"text":"I love it.","start":974.765,"end":975.565,"sentiment":"positive","sentiment_score":0.7026391824086508}],"sentiment":"neutral","sentiment_score":0.16653090890031308,"num_words":16,"start":965.07,"end":975.565},{"sentences":[{"text":"I love it.","start":975.565,"end":976.125,"sentiment":"positive","sentiment_score":0.6902716358502706},{"text":"I've got Marshall from the Paw Patrol because my son named him.","start":976.125,"end":979.105,"sentiment":"neutral","sentiment_score":0.2705312445759773},{"text":"Cartoon dogs all around.","start":980.84503,"end":982.365,"sentiment":"neutral","sentiment_score":0.16771336644887924},{"text":"Alrighty.","start":982.365,"end":982.865,"sentiment":"neutral","sentiment_score":0.09748148918151855},{"text":"So I'll do a bit of a check there.","start":983.165,"end":985.185,"sentiment":"neutral","sentiment_score":0.012896171460549036}],"sentiment":"neutral","sentiment_score":0.21384794277877645,"num_words":29,"start":975.565,"end":985.185},{"sentences":[{"text":"And I'm assuming you don't wanna get some trauma insurance, which is heart attack, stroke, and cancer, and you've gotta pay for it out of pocket.","start":986.1,"end":993.48,"sentiment":"neutral","sentiment_score":-0.06266765389591455},{"text":"Cool.","start":998.195,"end":998.695,"sentiment":"neutral","sentiment_score":0.03135249763727188},{"text":"Alrighty.","start":999.075,"end":999.575,"sentiment":"neutral","sentiment_score":-0.034031763672828674},{"text":"Any questions for me at this stage?","start":1000.435,"end":1002.135,"sentiment":"neutral","sentiment_score":-0.04471760243177414},{"text":"Alright.","start":1003.875,"end":1004.35504,"sentiment":"neutral","sentiment_score":0.15371161699295044}],"sentiment":"neutral","sentiment_score":-0.04975971853774455,"num_words":36,"start":986.1,"end":1004.35504},{"sentences":[{"text":"I will get some I'm actually going on paternity leave in just over a month.","start":1004.35504,"end":1008.35504,"sentiment":"neutral","sentiment_score":0.11623461544513702},{"text":"So I'm gonna do thank you.","start":1008.35504,"end":1010.835,"sentiment":"neutral","sentiment_score":0.32911207030216855},{"text":"We got two boys and a girl on the way now, so that'll cap us out at three.","start":1010.835,"end":1015.23004,"sentiment":"neutral","sentiment_score":0.18781729953156578},{"text":"Yeah.","start":1016.57,"end":1016.97003,"sentiment":"neutral","sentiment_score":0.08219321072101593},{"text":"I don't know why, but I'm sure I'll be happy when I'm 60.","start":1016.97003,"end":1019.39,"sentiment":"neutral","sentiment_score":0.08674440797991477}],"sentiment":"neutral","sentiment_score":0.15676931244373885,"num_words":53,"start":1004.35504,"end":1019.39},{"sentences":[{"text":"So what I'm gonna do is I'm gonna do the research in between.","start":1021.85004,"end":1025.71,"sentiment":"neutral","sentiment_score":0.08408227792152992},{"text":"In a couple of weeks, the team will get you booked in just to run through that updated document with me so we can update your strategy before I go, and then we should be good to go after that.","start":1026.0349,"end":1034.455,"sentiment":"neutral","sentiment_score":0.08922568494454026},{"text":"Cool.","start":1036.0349,"end":1036.355,"sentiment":"neutral","sentiment_score":0.2993510067462921},{"text":"Do you want any more updated contact frequency after that quarterly, six monthly?","start":1036.355,"end":1040.8201,"sentiment":"neutral","sentiment_score":0.0843198700593068},{"text":"Are you happy for the annual review?","start":1040.8201,"end":1042.4801,"sentiment":"positive","sentiment_score":0.3535884235586439}],"sentiment":"neutral","sentiment_score":0.11530709855661199,"num_words":74,"start":1021.85004,"end":1042.4801},{"sentences":[{"text":"Yeah.","start":1050.5549,"end":1051.0549,"sentiment":"neutral","sentiment_score":0.24555115401744845},{"text":"Six monthly could be fine, especially if we do that, let's say, end of financial year and then we catch up around Christmas time.","start":1052.475,"end":1058.5549,"sentiment":"neutral","sentiment_score":0.2192375212907791},{"text":"That'd be good.","start":1058.5549,"end":1059.455,"sentiment":"positive","sentiment_score":0.36558013161023456},{"text":"Alright.","start":1059.835,"end":1060.335,"sentiment":"neutral","sentiment_score":0.20228981971740723},{"text":"Six monthly contact.","start":1061.0349,"end":1062.575,"sentiment":"neutral","sentiment_score":0.07487995425860088}],"sentiment":"neutral","sentiment_score":0.2197163044475019,"num_words":32,"start":1050.5549,"end":1062.575},{"sentences":[{"text":"Now the service agreement is there.","start":1063.06,"end":1064.74,"sentiment":"neutral","sentiment_score":0.09273130943377812},{"text":"I'm just gonna double check the details of it just to make sure the new system has gotten that one correct.","start":1064.74,"end":1070.04,"sentiment":"neutral","sentiment_score":0.10254532772870291},{"text":"Bear with me for two secs, and then I can let you go.","start":1070.26,"end":1072.92,"sentiment":"neutral","sentiment_score":0.05467150933467425},{"text":"Alright.","start":1075.875,"end":1076.375,"sentiment":"neutral","sentiment_score":0.1608712524175644},{"text":"I love the old IT issues on a Friday morning when you can't click on half your screen.","start":1078.435,"end":1083.175,"sentiment":"neutral","sentiment_score":0.13442698245247206}],"sentiment":"neutral","sentiment_score":0.1017140050308179,"num_words":59,"start":1063.06,"end":1083.175},{"sentences":[{"text":"So maybe I should go to a four day work week, extra hours, take Friday off.","start":1086.8351,"end":1092.28,"sentiment":"neutral","sentiment_score":0.09717976744286716},{"text":"Kinda doing the hours anyway, but I've always liked the five days, you know, see the kids in the morning and the nighttime, but I don't know.","start":1097.38,"end":1102.98,"sentiment":"neutral","sentiment_score":0.33109821296400493},{"text":"I'll consider it.","start":1102.98,"end":1103.78,"sentiment":"positive","sentiment_score":0.336108277241389},{"text":"Absolutely.","start":1103.78,"end":1104.28,"sentiment":"positive","sentiment_score":0.4977560043334961},{"text":"Yeah.","start":1110.395,"end":1110.7151,"sentiment":"neutral","sentiment_score":0.2922448217868805}],"sentiment":"neutral","sentiment_score":0.25610111847830314,"num_words":48,"start":1086.8351,"end":1110.7151},{"sentences":[{"text":"That's fantastic.","start":1110.7151,"end":1111.535,"sentiment":"positive","sentiment_score":0.6603142023086548},{"text":"We're actually starting that next week just with the fuel prices Thursday, Friday from home, which I'm looking forward to.","start":1113.435,"end":1118.8151,"sentiment":"positive","sentiment_score":0.44831519275903703},{"text":"Amelia, there's two documents for the digital authorization this year for you.","start":1120.23,"end":1125.13,"sentiment":"neutral","sentiment_score":0.11209233322491248},{"text":"So one of them is the service agreement.","start":1125.1901,"end":1127.53,"sentiment":"neutral","sentiment_score":0.0987348547205329},{"text":"1.65% is the fees spread out monthly throughout the year for the super until you hit 600,000 when it flatlines and caps.","start":1127.75,"end":1136.975,"sentiment":"neutral","sentiment_score":0.12054047259417447}],"sentiment":"neutral","sentiment_score":0.2355282733333297,"num_words":64,"start":1110.7151,"end":1136.975},{"sentences":[{"text":"There's also a tax file number opt in form.","start":1137.435,"end":1140.975,"sentiment":"neutral","sentiment_score":0.1049742955300543},{"text":"So this is new just because of all the cybersecurity issues last year.","start":1141.435,"end":1145.52,"sentiment":"neutral","sentiment_score":0.0850804651585909},{"text":"We're trying to keep tax phone numbers on one document rather than three digital systems.","start":1145.52,"end":1149.7001,"sentiment":"neutral","sentiment_score":0.08948122411966324},{"text":"So we're just asking for your consent to move it over there and just to make sure you're okay for us to hold that number because it is quite important.","start":1149.92,"end":1157.38,"sentiment":"neutral","sentiment_score":0.1240087037285169},{"text":"Cool.","start":1160.015,"end":1160.335,"sentiment":"neutral","sentiment_score":0.09189801663160324}],"sentiment":"neutral","sentiment_score":0.1059587087810916,"num_words":68,"start":1137.435,"end":1160.335},{"sentences":[{"text":"Any questions for me before I let you go for the weekends?","start":1160.335,"end":1162.835,"sentiment":"neutral","sentiment_score":0.03349557161952058},{"text":"You are amazing, Amelia.","start":1165.375,"end":1166.655,"sentiment":"positive","sentiment_score":0.8221231698989868},{"text":"I will give you a buzz in a couple of weeks.","start":1166.655,"end":1168.675,"sentiment":"positive","sentiment_score":0.6111886961893602},{"text":"I'll get working in the background.","start":1168.735,"end":1170.335,"sentiment":"positive","sentiment_score":0.4441862255334854},{"text":"And if you need anything, please just call through.","start":1170.335,"end":1172.675,"sentiment":"neutral","sentiment_score":0.24021787610318926}],"sentiment":"positive","sentiment_score":0.36287127226768506,"num_words":42,"start":1160.335,"end":1172.675},{"sentences":[{"text":"Have a good one.","start":1174.7828,"end":1175.5029,"sentiment":"positive","sentiment_score":0.6604462265968323},{"text":"Bye.","start":1175.5029,"end":1176.0029,"sentiment":"neutral","sentiment_score":0.2913019359111786}],"sentiment":"positive","sentiment_score":0.5866173684597016,"num_words":5,"start":1174.7828,"end":1176.0029}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks, Tommy. How are you? It is finally got cold. So we will be having a fire on fire on today, and it'll be nice and chilly. We don't have one. We had it last week. It was nice and relaxing. Okay. Good. Just walk me through what's there. Yes. What? Third and first nineteen eighty six. And my address is Number 4 Barfield Road, Harkerville, WA 6081. Oh, no. It's just no where I'm at, I guess. Yep. Yeah. Yeah. No problem. Yep. Yep. I did crypto a long time ago, and I'm terrified of it now. So I prefer properties and shares sorry. Just properties for my cash cash, and then you guys deal with all the other stuff. Even to bring some it scares the shit out of me. I've never worked a pick one. Yep. $1.75 or $1.80, around there. Probably not. Not that very old. C o o. Same j b is coming up. I'm currently in the cost of the council. I am fighting lawsuits at the minute. It's dwindling a lot. Little bit. We're investing definitely. Health? Yes. Tesla? No. I got a new car. Oh, no. I don't technically have the new car, lawsuit. And motorbike too. Yes. And savings a bit. But I've done a lot of investment into my property. So yeah. Probably about 20. Yep. No. Well, they reckon now I can get $85,900. Yep. No. Because I had to pull some cash out for something else. So I'm at about $4.30. No. Yep. I put in a will. Yes. No. No. I'll check. My sister is a wills and estates lawyer, so she's probably the power of attorney. She's would've done it properly. K. That's fine. I mean, I shot this. Yep. I tend to wait for the reviews. I used to log in, but I haven't I just haven't. Not busy. Yeah. I think we actually agreed with medium. We agreed with, like, say, not too crazy. But what's happening with the aggressive approach? Okay. Okay. Yeah. Just more, I guess, may I think we agreed with medium risk. So yeah. I remember the first year was, like, 11%. That made me no. 13%. That kind of stuff makes me happy. Yeah. Not really. I mean, I'm young, and I hope to have more properties. So What are you in? Yep. Okay. Well, yeah, I don't know. Keep it. I think it's still we've still grown, haven't we, overall? Yeah. Okay. Let's keep it doing what it's doing. Yeah. Sure. I'm not paying it. It's not coming out of my super there. Right? No. I mean, let's try the higher fees and higher returns, see what happens over the next year. Okay. Okay. Beautiful. Mhmm. Yep. Makes sense. Mhmm. Yeah. $300 if I never work again. Do you get Centrelink there? Okay. Well, let's hope it never happens. But, yeah, that might sound okay. Don't wanna reduce. Okay. Sure. Okay. Is my house is my house paid off or not? Yeah. That's if I'm out, then I'm injured. Like, I'm not gonna be partying or traveling. I can live on $6 a month. So, yeah, I save about three, $4 a month, so that would make sense. Well, what would the increase be? If it's all comparative, then, yeah, bump it up. Yeah. Okay. Not at this stage. No. We've got a new dog. Whoopie. Hi, Whoopie. No. Well, that means I have two dogs now. So yes. Vader. Yeah. Commander Wharton, Lord Vader. Cute. No. That's fine. Not yet. No. We're good. Congratulations. Yep. Yep. Okay. Beautiful. Six months might be good if we're changing strategy, but if we don't end up changing strategy, I'm okay. Yep. Let's do that. Well, it's telling you something. Don't work on Friday. I kinda do that now, and it's fantastic, I have to say. Well, I at least do my stuff. They work from home on Friday, so at least they can get their washing done. And, like, they don't spend the weekend cleaning. Yeah. Yep. Sure. No. I'm good. Thank you very much. Okay. Thank you very much. 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Good. Thanks, Tommy. How are you? It is finally got cold.\n\nSo we will be having a fire on fire on today, and it'll be nice and chilly. We don't have one. We had it last week. It was nice and relaxing. Okay.\n\nGood. Just walk me through what's there. Yes. What? Third and first nineteen eighty six.\n\nAnd my address is Number 4 Barfield Road, Harkerville, WA 6081. Oh, no. It's just no where I'm at, I guess. Yep. Yeah.\n\nYeah. No problem. Yep. Yep. I did crypto a long time ago, and I'm terrified of it now.\n\nSo I prefer properties and shares sorry. Just properties for my cash cash, and then you guys deal with all the other stuff. Even to bring some it scares the shit out of me. I've never worked a pick one. Yep.\n\n$1.75 or $1.80, around there. Probably not. Not that very old. C o o. Same j b is coming up.\n\nI'm currently in the cost of the council. I am fighting lawsuits at the minute. It's dwindling a lot. Little bit. We're investing definitely.\n\nHealth? Yes. Tesla? No. I got a new car.\n\nOh, no. I don't technically have the new car, lawsuit. And motorbike too. Yes. And savings a bit.\n\nBut I've done a lot of investment into my property. So yeah. Probably about 20. Yep. No.\n\nWell, they reckon now I can get $85,900. Yep. No. Because I had to pull some cash out for something else. So I'm at about $4.30.\n\nNo. Yep. I put in a will. Yes. No.\n\nNo. I'll check. My sister is a wills and estates lawyer, so she's probably the power of attorney. She's would've done it properly. K.\n\nThat's fine. I mean, I shot this. Yep. I tend to wait for the reviews. I used to log in, but I haven't I just haven't.\n\nNot busy. Yeah. I think we actually agreed with medium. We agreed with, like, say, not too crazy. But what's happening with the aggressive approach?\n\nOkay. Okay. Yeah. Just more, I guess, may I think we agreed with medium risk. So yeah.\n\nI remember the first year was, like, 11%. That made me no. 13%. That kind of stuff makes me happy. Yeah.\n\nNot really. I mean, I'm young, and I hope to have more properties. So What are you in? Yep. Okay.\n\nWell, yeah, I don't know. Keep it. I think it's still we've still grown, haven't we, overall? Yeah. Okay.\n\nLet's keep it doing what it's doing. Yeah. Sure. I'm not paying it. It's not coming out of my super there.\n\nRight? No. I mean, let's try the higher fees and higher returns, see what happens over the next year. Okay. Okay.\n\nBeautiful. Mhmm. Yep. Makes sense. Mhmm.\n\nYeah. $300 if I never work again. Do you get Centrelink there? Okay. Well, let's hope it never happens.\n\nBut, yeah, that might sound okay. Don't wanna reduce. Okay. Sure. Okay.\n\nIs my house is my house paid off or not? Yeah. That's if I'm out, then I'm injured. Like, I'm not gonna be partying or traveling. I can live on $6 a month.\n\nSo, yeah, I save about three, $4 a month, so that would make sense. Well, what would the increase be? If it's all comparative, then, yeah, bump it up. Yeah. Okay.\n\nNot at this stage. No. We've got a new dog. Whoopie. Hi, Whoopie.\n\nNo. Well, that means I have two dogs now. So yes. Vader. Yeah.\n\nCommander Wharton, Lord Vader. Cute. No. That's fine. Not yet.\n\nNo. We're good. Congratulations. Yep. Yep.\n\nOkay. Beautiful. Six months might be good if we're changing strategy, but if we don't end up changing strategy, I'm okay. Yep. Let's do that.\n\nWell, it's telling you something. Don't work on Friday. I kinda do that now, and it's fantastic, I have to say. Well, I at least do my stuff. They work from home on Friday, so at least they can get their washing done.\n\nAnd, like, they don't spend the weekend cleaning. Yeah. Yep. Sure. No.\n\nI'm good. Thank you very much. Okay. Thank you very much. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.030997689813375473},{"text":"Good.","start":7.04,"end":7.3599997,"sentiment":"positive","sentiment_score":0.4109083414077759},{"text":"Thanks, Tommy.","start":7.3599997,"end":8.0,"sentiment":"positive","sentiment_score":0.4836674928665161},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.3236250579357147},{"text":"It is finally got cold.","start":15.835,"end":17.835,"sentiment":"neutral","sentiment_score":-0.030904088541865347}],"sentiment":"neutral","sentiment_score":0.18546631233766675,"num_words":12,"start":1.28,"end":17.835},{"sentences":[{"text":"So we will be having a fire on fire on today, and it'll be nice and chilly.","start":17.835,"end":24.175,"sentiment":"neutral","sentiment_score":0.21508466967326753},{"text":"We don't have 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yet.","start":998.775,"end":999.595,"sentiment":"neutral","sentiment_score":-0.04546353220939636}],"sentiment":"neutral","sentiment_score":0.08350407164543867,"num_words":10,"start":971.10504,"end":999.595},{"sentences":[{"text":"No.","start":1002.215,"end":1002.535,"sentiment":"neutral","sentiment_score":-0.055419906973838806},{"text":"We're good.","start":1002.535,"end":1003.275,"sentiment":"neutral","sentiment_score":0.022662678733468056},{"text":"Congratulations.","start":1008.935,"end":1009.435,"sentiment":"positive","sentiment_score":0.4158411920070648},{"text":"Yep.","start":1028.4349,"end":1028.9349,"sentiment":"neutral","sentiment_score":0.08186633884906769},{"text":"Yep.","start":1034.595,"end":1034.6749,"sentiment":"neutral","sentiment_score":0.1069680154323578}],"sentiment":"neutral","sentiment_score":0.09909683279693127,"num_words":6,"start":1002.215,"end":1034.6749},{"sentences":[{"text":"Okay.","start":1034.6749,"end":1035.155,"sentiment":"neutral","sentiment_score":0.23916858434677124},{"text":"Beautiful.","start":1035.155,"end":1035.655,"sentiment":"positive","sentiment_score":0.4745701849460602},{"text":"Six months might be good if we're changing strategy, but if we don't end up changing strategy, I'm okay.","start":1045.42,"end":1051.845,"sentiment":"neutral","sentiment_score":0.0674682041434081},{"text":"Yep.","start":1058.865,"end":1059.365,"sentiment":"positive","sentiment_score":0.4142826497554779},{"text":"Let's do that.","start":1059.6649,"end":1060.6449,"sentiment":"neutral","sentiment_score":0.18745090564092}],"sentiment":"neutral","sentiment_score":0.11889080058783293,"num_words":25,"start":1034.6749,"end":1060.6449},{"sentences":[{"text":"Well, it's telling you something.","start":1081.805,"end":1083.505,"sentiment":"neutral","sentiment_score":0.020576030388474463},{"text":"Don't work on Friday.","start":1083.645,"end":1084.8651,"sentiment":"neutral","sentiment_score":-0.08092755079269409},{"text":"I kinda do that now, and it's fantastic, I have to say.","start":1092.54,"end":1096.56,"sentiment":"positive","sentiment_score":0.6221408744653066},{"text":"Well, I at least do my stuff.","start":1104.54,"end":1106.335,"sentiment":"positive","sentiment_score":0.4075815294470106},{"text":"They work from home on Friday, so at least they can get their washing done.","start":1106.335,"end":1109.7949,"sentiment":"neutral","sentiment_score":0.31169823606808983}],"sentiment":"positive","sentiment_score":0.34356755091873714,"num_words":43,"start":1081.805,"end":1109.7949},{"sentences":[{"text":"And, like, they don't spend the weekend cleaning.","start":1110.495,"end":1112.9149,"sentiment":"positive","sentiment_score":0.4318159557878971},{"text":"Yeah.","start":1119.04,"end":1119.54,"sentiment":"neutral","sentiment_score":0.19769737124443057},{"text":"Yep.","start":1137.265,"end":1137.765,"sentiment":"neutral","sentiment_score":0.13202685117721558},{"text":"Sure.","start":1158.07,"end":1158.57,"sentiment":"neutral","sentiment_score":0.2488056123256683},{"text":"No.","start":1163.0549,"end":1163.375,"sentiment":"neutral","sentiment_score":-0.31023743748664856}],"sentiment":"neutral","sentiment_score":0.31023500363032025,"num_words":12,"start":1110.495,"end":1163.375},{"sentences":[{"text":"I'm good.","start":1163.375,"end":1163.9349,"sentiment":"neutral","sentiment_score":0.15407436341047287},{"text":"Thank you very much.","start":1163.9349,"end":1164.995,"sentiment":"positive","sentiment_score":0.7592371106147766},{"text":"Okay.","start":1172.7429,"end":1173.2429,"sentiment":"positive","sentiment_score":0.3950810432434082},{"text":"Thank you very much.","start":1173.303,"end":1174.443,"sentiment":"positive","sentiment_score":0.787984162569046},{"text":"Bye.","start":1175.783,"end":1176.283,"sentiment":"neutral","sentiment_score":-0.09304367005825044}],"sentiment":"positive","sentiment_score":0.5665892660617828,"num_words":12,"start":1163.375,"end":1176.283}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Amelia. It's Tommy here, senior adviser from Oakview. How are you doing today?\n\nChannel 1: Good. Thanks, Tommy. How are you?\n\nChannel 0: I'm doing fantastic. It is a brilliant cold, wet, rainy morning on the Gold Coast. What about down in WA?\n\nChannel 1: It is finally got cold. So we will\n\nChannel 0: Oh,\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: having\n\nChannel 0: finally\n\nChannel 1: a\n\nChannel 0: joined\n\nChannel 1: fire\n\nChannel 0: us in the season.\n\nChannel 1: on\n\nChannel 0: Amazing.\n\nChannel 1: fire on today, and it'll be nice and chilly.\n\nChannel 0: Oh, jealous, jealous, and looking forward to the long weekends?\n\nChannel 1: We don't have one. We had it last week.\n\nChannel 0: No. Oh, I hope it was good.\n\nChannel 1: It was nice and relaxing.\n\nChannel 0: Perfect. Perfect. I'm just giving you a buzz to go through your annual review.\n\nChannel 1: Okay. Good.\n\nChannel 0: Perfect. Now I'm just gonna go through a quick little security check, and I've got an annual review pack that I'm gonna email out to you now. Are you okay to look onto your emails with me today, or should I just walk you through what's there?\n\nChannel 1: Just walk me through what's there.\n\nChannel 0: No worries at all. Are you okay for this call to be recorded, Amelia?\n\nChannel 1: Yes. What?\n\nChannel 0: Perfect. And can I just confirm the security of your account? So I'm registered with ASIC as Adviser1273105. We don't have a security question on file. Could you please confirm your date of birth and address?\n\nChannel 1: Third and first nineteen eighty six. And my address is Number 4 Barfield Road, Harkerville, WA 6081.\n\nChannel 0: Sensational. Thank you so much for doing that. So what I've just popped through to you for you to look on to when you do have time, the annual review pack includes, like, performance updates on your super, certificate of currency for your insurances, some financial services guides from us with our licensing information updated, as well as, like, ongoing service agreements and that kind of thing as well. Now, Amelia,\n\nChannel 1: Oh,\n\nChannel 0: is there anything in particular you would like to get out of this year's review?\n\nChannel 1: no. It's just no where I'm at, I guess.\n\nChannel 0: Fantastic. I'm gonna focus pretty heavily on the supers today just given what's going on in the world, make sure you're all in the right portfolio. Do you mind if I spend the two minutes quickly\n\nChannel 1: Yep.\n\nChannel 0: updating your details because we have switched systems?\n\nChannel 1: Yeah. Yeah. No problem.\n\nChannel 0: K? So just reconfirming some of your old goals. You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping. Does that sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And is that mainly to do with properties, just obtaining and flipping properties, or what was the\n\nChannel 1: Yep.\n\nChannel 0: the focus?\n\nChannel 1: I did crypto a long time ago, and I'm terrified of it now. So I prefer\n\nChannel 0: Yeah.\n\nChannel 1: properties and shares sorry. Just properties for my cash cash, and then you guys deal with all the other stuff.\n\nChannel 0: Yep. Perfect. Do you ever want to look at personal investing outside of properties, like some shares in your personal name, manage funds, anything like that, or just keep it to bricks and mortar?\n\nChannel 1: Even to bring some it scares the\n\nChannel 0: Yep. Totally fair. Totally fair. With your occupation, we had you at Petbarn as a manager earning a 100\n\nChannel 1: shit\n\nChannel 0: and 25,000.\n\nChannel 1: out of me. I've never worked a pick one.\n\nChannel 0: Okay. So that looks strange because when I was looking at property flipping, I was like, hang on a second. This data looks a little bit strange. Can I just double check with you your occupation? That's why the old system switch has done the wrong thing here.\n\nChannel 1: Yep.\n\nChannel 0: Could I just take down your annual income, please?\n\nChannel 1: $1.75 or $1.80,\n\nChannel 0: One seventy\n\nChannel 1: around\n\nChannel 0: 5.\n\nChannel 1: there.\n\nChannel 0: That makes sense. I was thinking a manager at Petbarn probably isn't on 01/25, and they're probably\n\nChannel 1: Probably\n\nChannel 0: not trying\n\nChannel 1: not.\n\nChannel 0: to flip properties. I do have the old details opening. We've got learning development manager.\n\nChannel 1: Not that very old.\n\nChannel 0: Very, very old. Yeah. That's 2020. So I didn't think that would be right. Occupation title currently?\n\nChannel 1: C o o.\n\nChannel 0: COO. And who are you the COO of?\n\nChannel 1: Same j b is coming up.\n\nChannel 0: MGB seminars. Fantastic. Alright. January. Do you have, like, a regular set savings schedule?\n\nAre you just piling everything into offset accounts, savings. Do you know how much you can save?\n\nChannel 1: I'm currently in the cost of the council. I am fighting lawsuits at the minute. It's dwindling a lot.\n\nChannel 0: Oh, no. Alright. So we'll just say cash flow varies at the moment and is kind of out of the game for a little while.\n\nChannel 1: Little bit. We're investing definitely.\n\nChannel 0: Perfect. Perfect. Now just let me know if these sound correct for your assets as well to see if this status come across. Alright? We have a house, a Tesla, some savings, and a motorbike.\n\nChannel 1: Health? Yes. Tesla? No. I got a new car.\n\nOh, no. I don't technically have the new car, lawsuit. And motorbike too. Yes. And savings\n\nChannel 0: Alright.\n\nChannel 1: a bit. But I've done a lot of investment into my property. So\n\nChannel 0: Yeah. Cool. So just a quick update on the values here for the three of them. The two motorbikes, is that about $15 or because you've got a second one that's a bit higher?\n\nChannel 1: yeah. Probably about 20.\n\nChannel 0: Yep. Savings, I think last check was 25,000.\n\nChannel 1: Yep.\n\nChannel 0: And your home value, I think we had it at 350,000 owing for 680,000 value. Does that sound right?\n\nChannel 1: No. Well, they reckon\n\nChannel 0: Oh,\n\nChannel 1: now I can get $85,900.\n\nChannel 0: okay. I'll go with the lower estimate just to be conservative, but that's incredible.\n\nChannel 1: Yep.\n\nChannel 0: And are you under 300,000 now for the mortgage? Or\n\nChannel 1: No. Because I had to pull some cash out for something\n\nChannel 0: yep.\n\nChannel 1: else. So I'm at about $4.30.\n\nChannel 0: $4.30. Okay. Thank you so much for that. Any other assets or liabilities I haven't listed already?\n\nChannel 1: No.\n\nChannel 0: Okay. We've got the addresses still correct. Your Gmail account still okay for your main email?\n\nChannel 1: Yep.\n\nChannel 0: Alright. Phone number's there. You well, I know you're going through lawsuits at the moment, but have you actually ever gone through, like, a bankruptcy or a part nine debt agreement before? That's sensational. And did you put in place, last question, a will or power of attorney for your estate?\n\nChannel 1: I put in a will. Yes.\n\nChannel 0: Fantastic. But no power of attorney there for if you're in hospital, that kind of thing?\n\nChannel 1: No. No. I'll check. My sister is a wills and estates lawyer, so she's probably\n\nChannel 0: System\n\nChannel 1: the power\n\nChannel 0: is\n\nChannel 1: of attorney.\n\nChannel 0: will\n\nChannel 1: She's\n\nChannel 0: and.\n\nChannel 1: would've done it properly.\n\nChannel 0: Alrighty. That should be perfect. Thank you\n\nChannel 1: K.\n\nChannel 0: so much for updating all of that with me. I do apologize for,\n\nChannel 1: That's fine.\n\nChannel 0: misoccupationing you into Petbarn, but thank\n\nChannel 1: I mean,\n\nChannel 0: you for\n\nChannel 1: I\n\nChannel 0: clearing\n\nChannel 1: shot\n\nChannel 0: that\n\nChannel 1: this.\n\nChannel 0: up. Oh, yeah. Petbarn's sensational. But, again, a 125 for a manager there. Doesn't make sense.\n\nAlright.\n\nChannel 1: Yep.\n\nChannel 0: COO MJP seminars. Perfect. I've got your super performance up in front of me as well, and then I'm just gonna briefly touch on your policy. Usually, log in to your Netwealth to keep an eye on it, or you just wait for the reviews. What's your usual\n\nChannel 1: I tend to wait for the reviews. I used to log in, but I haven't I just haven't.\n\nChannel 0: yep. Life's busy. Good good enough\n\nChannel 1: Not\n\nChannel 0: on\n\nChannel 1: busy.\n\nChannel 0: the plate.\n\nChannel 1: Yeah.\n\nChannel 0: Totally fair. Totally fair. I do have some good and bad news for you. So you're in a pretty aggressive portfolio from what I can see here. Everything is in shares and gold.\n\nYou've pretty much got growth assets across the board. You're pretty aggressive. Does that make sense in terms of risk level?\n\nChannel 1: I think we actually agreed with medium.\n\nChannel 0: Medium. Medium. Okay. So I'm having\n\nChannel 1: We\n\nChannel 0: a\n\nChannel 1: agreed\n\nChannel 0: look.\n\nChannel 1: with, like, say, not too crazy.\n\nChannel 0: Okay.\n\nChannel 1: But\n\nChannel 0: This\n\nChannel 1: what's\n\nChannel 0: one's\n\nChannel 1: happening\n\nChannel 0: looking\n\nChannel 1: with the\n\nChannel 0: pretty\n\nChannel 1: aggressive approach?\n\nChannel 0: Well, it's still up positive 4% for the year. It was having a pretty sharp up and down the last couple of months and and took a pretty sharp dive as well, and then it bounced back up into the positive. So it's made it back, but it's very, very volatile. And because you have a pretty solid balance there, you're sitting at almost a 140,000, It's tending\n\nChannel 1: Okay.\n\nChannel 0: to jump up and down about $10.15 grand every couple of weeks.\n\nChannel 1: Okay.\n\nChannel 0: So what I wanted to ask you is your preservation age is 60 when you can access your server. Age pension for Centrelink is 67. Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer?\n\nChannel 1: Yeah. Just more, I guess, may I think we agreed with medium risk. So yeah. I remember the first year was, like, 11%. That made me no.\n\n13%. That kind of stuff makes me happy.\n\nChannel 0: Absolutely. Getting the big returns is fantastic. So what tends to happen is, let's say, twenty, twenty seven years until retirement, you're probably gonna go through three or four cycles where the market\n\nChannel 1: Yeah.\n\nChannel 0: goes up for five years, ten, twenty, 30%, and then it's gonna crash down ten, twenty, 30% for one year, and then it goes up for five, down for one, up for five, down for one. We do that cycle to keep growing you until fifties, and then we slowly reduce your risk level down 90% shares and property, eighty, seventy, sixty, fifty, forty. And then you're in your sixties, you have a nice, safe pension account with the money first grown and then protected. Does that sound uncomfortable for you?\n\nChannel 1: Not really. I mean, I'm young, and I hope to have more properties. So\n\nChannel 0: Yep. You do have a pretty decent balance. You kind of caught up for average balance for your age, and you've got a good 6 figure income, so contributions should be quite strong. You don't have to take on the highest level of risk.\n\nChannel 1: What\n\nChannel 0: To\n\nChannel 1: are\n\nChannel 0: get\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: in?\n\nChannel 0: that side? Me, I tend to bounce around a little bit. I I tend to play with mine between high risk, medium, high risk, medium.\n\nChannel 1: Yep.\n\nChannel 0: Most people, we tend to keep them somewhere between if you think of it at a scale of five, conservative, moderate, balanced growth, high growth, we keep them between growth and high growth until their fifties and then start winding them back after that. The way to essentially get there is to either go high growth or go one peg down, but maybe put $50 extra in salary sacrifice. So the tax savings gets you about the same outcome.\n\nChannel 1: Okay. Well, yeah, I don't know. Keep it. I think it's still we've still grown, haven't we, overall?\n\nChannel 0: Yeah. And there will be those odd negative years which we factor into the average because I think\n\nChannel 1: Yeah.\n\nChannel 0: we're trying to get you, like, 10% average. So if it goes up ten, twenty, 30, and then down a little bit and averages out at 15%, fantastic.\n\nChannel 1: Okay. Let's keep it doing what it's doing.\n\nChannel 0: K? I'm gonna put a bit of a flag on it just to keep an eye on it for you. And if we need to adjust the risk level down, we will. There is\n\nChannel 1: Yeah.\n\nChannel 0: one option that I wanna kind of replace for you because you've got about eight. They've all done fantastic except for one of them. Your gold's up 25%. Your American shares are up 17, but your Aussie shares have gone down a a decent chunk. So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares.\n\nJust a bit of an engine tune up.\n\nChannel 1: Sure.\n\nChannel 0: K? Do you have a preference? Now there's no wrong answer here. Do you have a preference between going for the lowest fee investments, or are you okay to pay higher fees to achieve a higher return?\n\nChannel 1: I'm not paying it. It's not coming out of my super there. Right?\n\nChannel 0: Yeah. All coming out as super. Because I can basically find you a good replacement in either style. It's just whether you have a strong leaning one way or the other.\n\nChannel 1: No. I mean, let's try the higher fees and higher returns, see what happens\n\nChannel 0: Cool.\n\nChannel 1: over the next year.\n\nChannel 0: Good news is I do have a couple I've been researching after Christmas, and it's slightly more affordable than the one that you've got. It's still active,\n\nChannel 1: Okay.\n\nChannel 0: that sort of high fee style, but had a much stronger return over one, three, five, and ten years. So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around.\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: Cool. Just quickly on your summary here, you've got Neos insurance,\n\nChannel 1: Mhmm.\n\nChannel 0: life, TPD, and income protection. Premiums are looking pretty good. 2,209 per year comes out of the super. 15% rebate drops it to about 1,800. So still under the 2 k mark.\n\nThat's gonna increase through your forties. 45 to 50, it's gonna accelerate. 50 to 55, it's gonna go like a hockey stick. So before long, in your fifties, this could be about $6 for the policy. The whole point is that once you pay down your mortgage, we can trim down the insurances.\n\nDoes that make sense?\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: You've got $4.30 owing on the mortgage. You've got life and disability insurance of 654,000.\n\nChannel 1: Mhmm.\n\nChannel 0: So that covers the mortgage and then leaves you a couple of $100 plus your super on top, so that's not too bad. Trimming that down at this point probably won't do too much to the premiums, but how does that sound for a claim scenario? If you can never\n\nChannel 1: Yeah.\n\nChannel 0: work again. Sound alright?\n\nChannel 1: $300 if I never work again. Do you get Centrelink there?\n\nChannel 0: Yeah. So you mix in your super, the insurances. You got your mortgage paid off. You invest that, and then Centrelink kicks in underneath.\n\nChannel 1: Okay. Well, let's hope it never happens. But, yeah, that might sound okay.\n\nChannel 0: So you definitely don't wanna reduce it. That's fair enough.\n\nChannel 1: Don't wanna reduce.\n\nChannel 0: K. Your income protection, thirteen week waiting period. And then once you're out of work for that long, it kicks in monthly for up to five years per injury if it lasts that long.\n\nChannel 1: Okay.\n\nChannel 0: You've got 6,346 a month worth of cover. That's protecting an income of roundabout a 108,000. Actually, no. Sorry. You've got a 75% policy.\n\nLucky you. You put this in place in January 2021 before the government capped it. That's brilliant. So I'm just gonna do one quick recalculation here. Please bear with me for two seconds.\n\nChannel 1: Sure.\n\nChannel 0: $6.03 $4.06 a month divided by 75%. So it's protecting an income of a 101,000.\n\nChannel 1: Okay.\n\nChannel 0: You would get? Just over $6 a month. Would that cover expenses for you?\n\nChannel 1: Is my house is my house paid off or not?\n\nChannel 0: This is only let's say you're out for six months, so the house isn't paid off.\n\nChannel 1: Yeah. That's if I'm out, then I'm injured. Like, I'm not gonna be partying or traveling.\n\nChannel 0: Yeah.\n\nChannel 1: I can live on $6 a month.\n\nChannel 0: K. Now remember that's\n\nChannel 1: So, yeah,\n\nChannel 0: gross\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: save\n\nChannel 0: 6\n\nChannel 1: about\n\nChannel 0: thousand\n\nChannel 1: three,\n\nChannel 0: 400.\n\nChannel 1: $4 a month, so that would make sense.\n\nChannel 0: Okay. You don't want me to look at it bumping it up to match your income or anything like that? Just keep it at that level.\n\nChannel 1: Well, what would the increase be? If it's all comparative, then, yeah, bump it up.\n\nChannel 0: K. What I might do is I'm going to do a quote for the maximum cover level, and I'm gonna\n\nChannel 1: Yeah.\n\nChannel 0: keep an eye on the premiums, make sure it's not a big chunk of your contributions. When I give you that investment update document, I'll include the quote. You can let me know if you're comfortable with it.\n\nChannel 1: Okay.\n\nChannel 0: K? Do you want me to look at bumping up the life and TPD insurance at all so so there's a bit extra if you can never work again or you pass away? Anything like that? You wanna get an extra couple of $100 there? Or\n\nChannel 1: Not at this stage.\n\nChannel 0: Yep. Perfect. Last question I forgot to check before. Has there been any changes in the family circumstances in terms of partnerships, starting a family, anything like that?\n\nChannel 1: No. We've got a new\n\nChannel 0: You dog. Fantastic. What's the name?\n\nChannel 1: dog. Whoopie.\n\nChannel 0: Wealthy. Alright.\n\nChannel 1: Hi, Whoopie.\n\nChannel 0: Is that two dogs?\n\nChannel 1: No. Well, that means I have two dogs now. So yes.\n\nChannel 0: Yep. Two dogs. And the other dog's name?\n\nChannel 1: Vader.\n\nChannel 0: Vader and Wolfie. Oh my gosh.\n\nChannel 1: Yeah. Commander Wharton, Lord Vader.\n\nChannel 0: I love it. I love it. I've got Marshall from the Paw Patrol because my son named him.\n\nChannel 1: Cute.\n\nChannel 0: Cartoon dogs all around. Alrighty. So I'll do a bit of a check there. And I'm assuming you don't wanna get some trauma insurance, which is heart attack, stroke, and cancer, and you've gotta pay for it out of pocket.\n\nChannel 1: No. That's fine.\n\nChannel 0: Cool.\n\nChannel 1: Not\n\nChannel 0: Alrighty.\n\nChannel 1: yet.\n\nChannel 0: Any questions for me at this stage?\n\nChannel 1: No. We're good.\n\nChannel 0: Alright. I will get some I'm actually going on paternity leave in just over a month. So I'm gonna\n\nChannel 1: Congratulations.\n\nChannel 0: do thank you. We got two boys and a girl on the way now, so that'll cap us out at three. Yeah. I don't know why, but I'm sure I'll be happy when I'm 60. So what I'm gonna do is I'm gonna do the research in between.\n\nIn a couple of weeks, the team will get you booked in just to run\n\nChannel 1: Yep.\n\nChannel 0: through that updated document with me so we can update your strategy before I go, and then we should be good to go after that.\n\nChannel 1: Yep. Okay. Beautiful.\n\nChannel 0: Cool. Do you want any more updated contact frequency after that quarterly, six monthly? Are you happy for the annual review?\n\nChannel 1: Six months might be good if we're changing strategy, but if we don't end up changing strategy,\n\nChannel 0: Yeah.\n\nChannel 1: I'm okay.\n\nChannel 0: Six monthly could be fine, especially if we do that, let's say, end of financial year and then we catch up around Christmas time. That'd be\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: Let's\n\nChannel 0: Alright.\n\nChannel 1: do that.\n\nChannel 0: Six monthly contact. Now the service agreement is there. I'm just gonna double check the details of it just to make sure the new system has gotten that one correct. Bear with me for two secs, and then I can let you go. Alright.\n\nI love the old IT issues on a Friday morning when you can't click\n\nChannel 1: Well,\n\nChannel 0: on half\n\nChannel 1: it's\n\nChannel 0: your\n\nChannel 1: telling\n\nChannel 0: screen.\n\nChannel 1: you something. Don't work on Friday.\n\nChannel 0: So maybe I should go to a four day work week, extra hours, take Friday off.\n\nChannel 1: I kinda do that now, and it's fantastic, I have to say.\n\nChannel 0: Kinda doing the hours anyway, but I've always liked the five days, you know, see the kids in the morning and the nighttime, but I don't know. I'll consider it. Absolutely.\n\nChannel 1: Well, I at least do my stuff. They work from home on Friday, so at least they can get their washing done.\n\nChannel 0: Yeah.\n\nChannel 1: And,\n\nChannel 0: That's\n\nChannel 1: like,\n\nChannel 0: fantastic.\n\nChannel 1: they don't spend the weekend cleaning.\n\nChannel 0: We're actually starting that next week just with the fuel prices Thursday, Friday from home, which I'm looking forward to.\n\nChannel 1: Yeah.\n\nChannel 0: Amelia, there's two documents for the digital authorization this year for you. So one of them is the service agreement. 1.65% is the fees spread out monthly throughout the year for the super until you hit 600,000 when it flatlines and caps.\n\nChannel 1: Yep.\n\nChannel 0: There's also a tax file number opt in form. So this is new just because of all the cybersecurity issues last year. We're trying to keep tax phone numbers on one document rather than three digital systems. So we're just asking for your consent to move it over there and just to make sure you're okay for us to hold that number because it is quite important.\n\nChannel 1: Sure.\n\nChannel 0: Cool. Any questions for me before I let you go for the weekends?\n\nChannel 1: No. I'm good. Thank you very much.\n\nChannel 0: You are amazing, Amelia. I will give you a buzz in a couple of weeks. I'll get working in the background. And if you need anything, please just call through.\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: Have a good one. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.030997689813375473}],"sentiment":"neutral","sentiment_score":0.030997689813375473,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good morning, Amelia.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.26127733786900836},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.16,"end":6.08,"sentiment":"neutral","sentiment_score":0.17563557199069432},{"text":"How are you doing today?","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":0.18234972655773163}],"sentiment":"neutral","sentiment_score":0.1950019766887029,"channel":0,"num_words":15,"start":3.1999998,"end":7.14},{"sentences":[{"text":"Good.","start":7.04,"end":7.3599997,"sentiment":"positive","sentiment_score":0.4109083414077759},{"text":"Thanks, Tommy.","start":7.3599997,"end":8.0,"sentiment":"positive","sentiment_score":0.4836674928665161},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.3236250579357147}],"sentiment":"positive","sentiment_score":0.39151975015799206,"channel":1,"num_words":6,"start":7.04,"end":8.82},{"sentences":[{"text":"I'm doing fantastic.","start":8.96,"end":10.179999,"sentiment":"positive","sentiment_score":0.7471526662508646},{"text":"It is a brilliant cold, wet, rainy morning on the Gold Coast.","start":10.32,"end":13.44,"sentiment":"positive","sentiment_score":0.5482071762283643},{"text":"What about down in WA?","start":13.44,"end":14.74,"sentiment":"neutral","sentiment_score":0.03200816176831722}],"sentiment":"positive","sentiment_score":0.4489992461167276,"channel":0,"num_words":20,"start":8.96,"end":14.74},{"sentences":[{"text":"It is finally got cold.","start":15.835,"end":17.835,"sentiment":"neutral","sentiment_score":-0.030904088541865347},{"text":"So we 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jealous, jealous, and looking forward to the long weekends?","start":24.575,"end":27.075,"sentiment":"neutral","sentiment_score":0.2858714461326599}],"sentiment":"neutral","sentiment_score":0.2858714461326599,"channel":0,"num_words":10,"start":24.575,"end":27.075},{"sentences":[{"text":"We don't have one.","start":27.54,"end":28.26,"sentiment":"neutral","sentiment_score":-0.08778488729149103},{"text":"We had it last week.","start":28.26,"end":29.4,"sentiment":"neutral","sentiment_score":-0.03766649328172207}],"sentiment":"neutral","sentiment_score":-0.05994133506384161,"channel":1,"num_words":9,"start":27.54,"end":29.4},{"sentences":[{"text":"No.","start":29.769999,"end":30.269999,"sentiment":"neutral","sentiment_score":-0.017265819013118744},{"text":"Oh, I hope it was 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Amelia?","start":57.74,"end":60.0,"sentiment":"neutral","sentiment_score":0.023692375048995018}],"sentiment":"neutral","sentiment_score":0.03447674959897995,"channel":0,"num_words":14,"start":56.38,"end":60.0},{"sentences":[{"text":"Yes.","start":60.36,"end":60.760002,"sentiment":"neutral","sentiment_score":0.03166990354657173},{"text":"What?","start":60.760002,"end":61.260002,"sentiment":"neutral","sentiment_score":0.037534259259700775}],"sentiment":"neutral","sentiment_score":0.03460208140313625,"channel":1,"num_words":2,"start":60.36,"end":61.260002},{"sentences":[{"text":"Perfect.","start":61.66,"end":62.16,"sentiment":"neutral","sentiment_score":0.14011192321777344},{"text":"And can I just confirm the security of your account?","start":62.46,"end":65.74,"sentiment":"neutral","sentiment_score":0.05599597524851561},{"text":"So I'm registered with ASIC as Adviser1273105.","start":65.74,"end":70.515,"sentiment":"neutral","sentiment_score":0.0260693881926792},{"text":"We don't have a security question on file.","start":70.515,"end":73.015,"sentiment":"neutral","sentiment_score":0.009096105583012104},{"text":"Could you please confirm your date of birth and address?","start":73.155,"end":76.295006,"sentiment":"neutral","sentiment_score":0.022236230596899987}],"sentiment":"neutral","sentiment_score":0.03271357065791057,"channel":0,"num_words":36,"start":61.66,"end":76.295006},{"sentences":[{"text":"Third and first nineteen eighty six.","start":76.954994,"end":78.96,"sentiment":"neutral","sentiment_score":0.01579916973908742},{"text":"And my address is Number 4 Barfield Road, Harkerville, WA 6081.","start":79.04,"end":83.94,"sentiment":"neutral","sentiment_score":0.024001450870524754}],"sentiment":"neutral","sentiment_score":0.021106528118252754,"channel":1,"num_words":17,"start":76.954994,"end":83.94},{"sentences":[{"text":"Sensational.","start":85.01,"end":85.090004,"sentiment":"neutral","sentiment_score":0.164629727602005},{"text":"Thank you so much for doing 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Amelia,","start":107.244995,"end":107.884995,"sentiment":"neutral","sentiment_score":0.0471845306456089}],"sentiment":"neutral","sentiment_score":0.20055738710601564,"channel":0,"num_words":71,"start":85.01,"end":107.884995},{"sentences":[{"text":"Oh,","start":107.78,"end":108.28,"sentiment":"neutral","sentiment_score":0.025943413376808167}],"sentiment":"neutral","sentiment_score":0.025943413376808167,"channel":1,"num_words":1,"start":107.78,"end":108.28},{"sentences":[{"text":"is there anything in particular you would like to get out of this year's review?","start":107.884995,"end":111.3,"sentiment":"neutral","sentiment_score":0.01180858885248502}],"sentiment":"neutral","sentiment_score":0.01180858885248502,"channel":0,"num_words":15,"start":107.884995,"end":111.3},{"sentences":[{"text":"no.","start":112.1,"end":112.34,"sentiment":"negative","sentiment_score":-0.3955953121185303},{"text":"It's just no where I'm at, I 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start winding them back after that.","start":596.315,"end":611.34,"sentiment":"neutral","sentiment_score":0.2460983448069204},{"text":"The way to essentially get there is to either go high growth or go one peg down, but maybe put $50 extra in salary sacrifice.","start":611.66003,"end":620.4,"sentiment":"neutral","sentiment_score":0.16730988025665283},{"text":"So the tax savings gets you about the same outcome.","start":620.62006,"end":623.36005,"sentiment":"neutral","sentiment_score":0.24390877336263656}],"sentiment":"neutral","sentiment_score":0.22088812546262257,"channel":0,"num_words":79,"start":596.315,"end":623.36005},{"sentences":[{"text":"Okay.","start":623.935,"end":624.435,"sentiment":"neutral","sentiment_score":0.1106930449604988},{"text":"Well, yeah, I don't know.","start":627.135,"end":628.255,"sentiment":"neutral","sentiment_score":0.06945967804640532},{"text":"Keep it.","start":628.255,"end":628.65497,"sentiment":"neutral","sentiment_score":0.02169850282371044},{"text":"I think it's still we've still grown, haven't we, overall?","start":628.65497,"end":631.315,"sentiment":"neutral","sentiment_score":0.12256444916129113}],"sentiment":"neutral","sentiment_score":0.09594627402515875,"channel":1,"num_words":18,"start":623.935,"end":631.315},{"sentences":[{"text":"Yeah.","start":632.045,"end":632.365,"sentiment":"neutral","sentiment_score":-0.007612088695168495},{"text":"And there will be those odd negative years which we factor into the average because I think","start":632.365,"end":636.84503,"sentiment":"neutral","sentiment_score":-0.07550287487752297}],"sentiment":"neutral","sentiment_score":-0.07173116453405884,"channel":0,"num_words":18,"start":632.045,"end":636.84503},{"sentences":[{"text":"Yeah.","start":636.735,"end":637.235,"sentiment":"neutral","sentiment_score":0.1293806433677673}],"sentiment":"neutral","sentiment_score":0.1293806433677673,"channel":1,"num_words":1,"start":636.735,"end":637.235},{"sentences":[{"text":"we're trying to get you, like, 10% average.","start":636.84503,"end":638.785,"sentiment":"neutral","sentiment_score":0.25885696802288294},{"text":"So if it goes up ten, twenty, 30, and then down a little bit and averages out at 15%, fantastic.","start":639.05,"end":644.35,"sentiment":"neutral","sentiment_score":0.2698564898222685}],"sentiment":"neutral","sentiment_score":0.2667137693081583,"channel":0,"num_words":28,"start":636.84503,"end":644.35},{"sentences":[{"text":"Okay.","start":645.53,"end":646.01,"sentiment":"neutral","sentiment_score":0.24575552344322205},{"text":"Let's keep it doing what it's doing.","start":646.01,"end":647.79004,"sentiment":"neutral","sentiment_score":0.2921124313558851}],"sentiment":"neutral","sentiment_score":0.2863178178668022,"channel":1,"num_words":8,"start":645.53,"end":647.79004},{"sentences":[{"text":"K?","start":648.17,"end":648.56995,"sentiment":"neutral","sentiment_score":0.09390996396541595},{"text":"I'm gonna put a bit of a flag on it just to keep an eye on it for you.","start":648.56995,"end":651.85,"sentiment":"neutral","sentiment_score":0.12666324878993787},{"text":"And if we need to adjust the risk level down, we will.","start":651.85,"end":655.895,"sentiment":"neutral","sentiment_score":0.025634525964657467},{"text":"There is","start":656.195,"end":656.835,"sentiment":"neutral","sentiment_score":0.029158860445022583}],"sentiment":"neutral","sentiment_score":0.0843071683364756,"channel":0,"num_words":34,"start":648.17,"end":656.835},{"sentences":[{"text":"Yeah.","start":656.455,"end":656.955,"sentiment":"neutral","sentiment_score":0.0676691085100174}],"sentiment":"neutral","sentiment_score":0.0676691085100174,"channel":1,"num_words":1,"start":656.455,"end":656.955},{"sentences":[{"text":"one option that I wanna kind of replace for you because you've got about eight.","start":656.835,"end":661.415,"sentiment":"neutral","sentiment_score":0.1103072519103686},{"text":"They've all done fantastic except for one of them.","start":661.475,"end":664.055,"sentiment":"positive","sentiment_score":0.33555956019295585},{"text":"Your gold's up 25%.","start":664.115,"end":665.795,"sentiment":"neutral","sentiment_score":0.19983422756195068},{"text":"Your American shares are up 17, but your Aussie shares have gone down a a decent chunk.","start":665.795,"end":670.95,"sentiment":"neutral","sentiment_score":0.13204485835397944},{"text":"So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares.","start":671.33,"end":677.09,"sentiment":"neutral","sentiment_score":0.1526479575297107}],"sentiment":"neutral","sentiment_score":0.16514187273295486,"channel":0,"num_words":68,"start":656.835,"end":677.09},{"sentences":[{"text":"Just a bit of an engine tune up.","start":677.09,"end":678.95,"sentiment":"neutral","sentiment_score":0.0892928121611476}],"sentiment":"neutral","sentiment_score":0.0892928121611476,"channel":0,"num_words":8,"start":677.09,"end":678.95},{"sentences":[{"text":"Sure.","start":679.37,"end":679.785,"sentiment":"neutral","sentiment_score":0.06498421728610992}],"sentiment":"neutral","sentiment_score":0.06498421728610992,"channel":1,"num_words":1,"start":679.37,"end":679.785},{"sentences":[{"text":"K?","start":680.305,"end":680.805,"sentiment":"neutral","sentiment_score":0.03406403958797455},{"text":"Do you have a preference?","start":681.505,"end":682.72504,"sentiment":"neutral","sentiment_score":0.04166102483868599},{"text":"Now there's no wrong answer here.","start":682.78503,"end":684.385,"sentiment":"neutral","sentiment_score":0.04900536127388477},{"text":"Do you have a preference between going for the lowest fee investments, or are you okay to pay higher fees to achieve a higher return?","start":684.385,"end":692.085,"sentiment":"neutral","sentiment_score":0.05169481322169304}],"sentiment":"neutral","sentiment_score":0.0494262611342443,"channel":0,"num_words":37,"start":680.305,"end":692.085},{"sentences":[{"text":"I'm not paying it.","start":694.17,"end":694.97,"sentiment":"negative","sentiment_score":-0.341035932302475},{"text":"It's not coming out of my super there.","start":694.97,"end":696.25,"sentiment":"negative","sentiment_score":-0.3876080848276615},{"text":"Right?","start":696.25,"end":696.75,"sentiment":"neutral","sentiment_score":-0.09152457118034364}],"sentiment":"negative","sentiment_score":-0.3505025368470412,"channel":1,"num_words":13,"start":694.17,"end":696.75},{"sentences":[{"text":"Yeah.","start":697.27997,"end":697.68,"sentiment":"neutral","sentiment_score":0.057637788355350494},{"text":"All coming out as super.","start":697.68,"end":698.63995,"sentiment":"neutral","sentiment_score":0.31248542070388796},{"text":"Because I can basically find you a good replacement in either style.","start":698.63995,"end":701.92,"sentiment":"neutral","sentiment_score":0.26006626586119336},{"text":"It's just whether you have a strong leaning one way or the other.","start":701.92,"end":704.745,"sentiment":"neutral","sentiment_score":-0.015584205689195257}],"sentiment":"neutral","sentiment_score":0.14639565833063134,"channel":0,"num_words":31,"start":697.27997,"end":704.745},{"sentences":[{"text":"No.","start":705.05,"end":705.37,"sentiment":"neutral","sentiment_score":-0.20388339459896088},{"text":"I mean, let's try the higher fees and higher returns, see what happens","start":705.37,"end":709.19495,"sentiment":"neutral","sentiment_score":-0.10085558948608545}],"sentiment":"neutral","sentiment_score":-0.10821471842271942,"channel":1,"num_words":14,"start":705.05,"end":709.19495},{"sentences":[{"text":"Cool.","start":709.305,"end":709.805,"sentiment":"neutral","sentiment_score":0.2201625108718872}],"sentiment":"neutral","sentiment_score":0.2201625108718872,"channel":0,"num_words":1,"start":709.305,"end":709.805},{"sentences":[{"text":"over the next year.","start":709.735,"end":710.795,"sentiment":"neutral","sentiment_score":0.24958601593971252}],"sentiment":"neutral","sentiment_score":0.24958601593971252,"channel":1,"num_words":4,"start":709.735,"end":710.795},{"sentences":[{"text":"Good news is I do have a couple I've been researching after Christmas, and it's slightly more affordable than the one that you've got.","start":710.985,"end":718.525,"sentiment":"positive","sentiment_score":0.5280521536866823},{"text":"It's still active,","start":718.64,"end":719.7,"sentiment":"neutral","sentiment_score":0.27807844678560895}],"sentiment":"positive","sentiment_score":0.5002772973643409,"channel":0,"num_words":27,"start":710.985,"end":719.7},{"sentences":[{"text":"Okay.","start":719.4,"end":719.9,"sentiment":"neutral","sentiment_score":0.2617158889770508}],"sentiment":"neutral","sentiment_score":0.2617158889770508,"channel":1,"num_words":1,"start":719.4,"end":719.9},{"sentences":[{"text":"that sort of high fee style, but had a much stronger return over one, three, five, and ten years.","start":719.76,"end":724.9,"sentiment":"neutral","sentiment_score":0.26664188504219055},{"text":"So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around.","start":724.96,"end":733.125,"sentiment":"neutral","sentiment_score":0.24525516331195832}],"sentiment":"neutral","sentiment_score":0.25278012095778074,"channel":0,"num_words":54,"start":719.76,"end":733.125},{"sentences":[{"text":"Okay.","start":733.32,"end":733.82,"sentiment":"positive","sentiment_score":0.34669262170791626},{"text":"Beautiful.","start":733.88,"end":734.38,"sentiment":"positive","sentiment_score":0.6017091274261475}],"sentiment":"positive","sentiment_score":0.47420087456703186,"channel":1,"num_words":2,"start":733.32,"end":734.38},{"sentences":[{"text":"Cool.","start":735.045,"end":735.545,"sentiment":"positive","sentiment_score":0.4673265218734741},{"text":"Just quickly on your summary here, you've got Neos insurance,","start":735.685,"end":739.865,"sentiment":"neutral","sentiment_score":0.22813535779714583}],"sentiment":"neutral","sentiment_score":0.24988000907681204,"channel":0,"num_words":11,"start":735.045,"end":739.865},{"sentences":[{"text":"Mhmm.","start":740.765,"end":741.265,"sentiment":"neutral","sentiment_score":0.17955294251441956}],"sentiment":"neutral","sentiment_score":0.17955294251441956,"channel":1,"num_words":1,"start":740.765,"end":741.265},{"sentences":[{"text":"life, TPD, and income protection.","start":740.805,"end":742.985,"sentiment":"neutral","sentiment_score":0.2944582223892212},{"text":"Premiums are looking pretty good.","start":744.165,"end":745.865,"sentiment":"positive","sentiment_score":0.5832762479782104},{"text":"2,209 per year comes out of the super.","start":746.19,"end":749.33,"sentiment":"neutral","sentiment_score":0.1885368749499321},{"text":"15% rebate drops it to about 1,800.","start":749.95,"end":752.85004,"sentiment":"neutral","sentiment_score":0.11414619641644615},{"text":"So still under the 2 k mark.","start":753.39,"end":755.49,"sentiment":"neutral","sentiment_score":0.1014565649841513}],"sentiment":"neutral","sentiment_score":0.2314433337887749,"channel":0,"num_words":32,"start":740.805,"end":755.49},{"sentences":[{"text":"That's gonna increase through your forties.","start":756.27,"end":758.37,"sentiment":"neutral","sentiment_score":0.09003782706956069},{"text":"45 to 50, it's gonna accelerate.","start":758.83,"end":761.09,"sentiment":"neutral","sentiment_score":0.028756534680724144},{"text":"50 to 55, it's gonna go like a hockey stick.","start":761.555,"end":764.21497,"sentiment":"neutral","sentiment_score":0.04209183659404516},{"text":"So before long, in your fifties, this could be about $6 for the policy.","start":764.27496,"end":768.45496,"sentiment":"neutral","sentiment_score":0.08335823592330728},{"text":"The whole point is that once you pay down your mortgage, we can trim down the insurances.","start":768.915,"end":773.815,"sentiment":"neutral","sentiment_score":0.0896380335530814}],"sentiment":"neutral","sentiment_score":0.07216125301454428,"channel":0,"num_words":53,"start":756.27,"end":773.815},{"sentences":[{"text":"Does that make sense?","start":774.51,"end":775.57,"sentiment":"neutral","sentiment_score":0.09189900383353233}],"sentiment":"neutral","sentiment_score":0.09189900383353233,"channel":0,"num_words":4,"start":774.51,"end":775.57},{"sentences":[{"text":"Yep.","start":775.635,"end":775.955,"sentiment":"neutral","sentiment_score":0.11740684509277344},{"text":"Makes sense.","start":775.955,"end":776.695,"sentiment":"neutral","sentiment_score":0.12656325101852417}],"sentiment":"neutral","sentiment_score":0.1235111157099406,"channel":1,"num_words":3,"start":775.635,"end":776.695},{"sentences":[{"text":"You've got $4.30 owing on the mortgage.","start":776.91003,"end":779.07,"sentiment":"neutral","sentiment_score":0.08032435923814774},{"text":"You've got life and disability insurance of 654,000.","start":779.07,"end":783.09,"sentiment":"neutral","sentiment_score":0.08212076872587204}],"sentiment":"neutral","sentiment_score":0.08128244429826736,"channel":0,"num_words":15,"start":776.91003,"end":783.09},{"sentences":[{"text":"Mhmm.","start":784.26,"end":784.76,"sentiment":"neutral","sentiment_score":0.04624594748020172}],"sentiment":"neutral","sentiment_score":0.04624594748020172,"channel":1,"num_words":1,"start":784.26,"end":784.76},{"sentences":[{"text":"So that covers the mortgage and then leaves you a couple of $100 plus your super on top, so that's not too bad.","start":784.83,"end":790.56494,"sentiment":"neutral","sentiment_score":0.07971906321852104},{"text":"Trimming that down at this point probably won't do too much to the premiums, but how does that sound for a claim scenario?","start":792.785,"end":798.485,"sentiment":"neutral","sentiment_score":-0.028078938662276967},{"text":"If you can never","start":798.545,"end":799.26495,"sentiment":"neutral","sentiment_score":-0.09830493107438087}],"sentiment":"neutral","sentiment_score":0.0158900628099218,"channel":0,"num_words":50,"start":784.83,"end":799.26495},{"sentences":[{"text":"Yeah.","start":799.035,"end":799.535,"sentiment":"neutral","sentiment_score":-0.06552574038505554}],"sentiment":"neutral","sentiment_score":-0.06552574038505554,"channel":1,"num_words":1,"start":799.035,"end":799.535},{"sentences":[{"text":"work again.","start":799.26495,"end":800.00494,"sentiment":"neutral","sentiment_score":-0.0755700133740902},{"text":"Sound alright?","start":800.38495,"end":801.125,"sentiment":"neutral","sentiment_score":-0.01629270426928997}],"sentiment":"neutral","sentiment_score":-0.04593135882169008,"channel":0,"num_words":4,"start":799.26495,"end":801.125},{"sentences":[{"text":"$300 if I never work again.","start":801.595,"end":803.675,"sentiment":"neutral","sentiment_score":-0.15432702377438545},{"text":"Do you get Centrelink there?","start":803.675,"end":805.13495,"sentiment":"neutral","sentiment_score":-0.01123499944806099}],"sentiment":"neutral","sentiment_score":-0.08928519453514706,"channel":1,"num_words":11,"start":801.595,"end":805.13495},{"sentences":[{"text":"Yeah.","start":805.76,"end":806.07996,"sentiment":"neutral","sentiment_score":0.02741721086204052},{"text":"So you mix in your super, the insurances.","start":806.07996,"end":808.42,"sentiment":"neutral","sentiment_score":0.030053240479901433},{"text":"You got your mortgage paid off.","start":808.48,"end":810.0,"sentiment":"neutral","sentiment_score":0.032550619915127754},{"text":"You invest that, and then Centrelink kicks in underneath.","start":810.0,"end":812.66,"sentiment":"neutral","sentiment_score":0.05915521913104587}],"sentiment":"neutral","sentiment_score":0.04148099276547631,"channel":0,"num_words":24,"start":805.76,"end":812.66},{"sentences":[{"text":"Okay.","start":813.56,"end":814.04,"sentiment":"neutral","sentiment_score":0.015847356989979744},{"text":"Well, let's hope it never happens.","start":814.04,"end":815.64,"sentiment":"neutral","sentiment_score":-0.10552902395526569},{"text":"But, yeah, that might sound okay.","start":815.64,"end":817.26,"sentiment":"neutral","sentiment_score":0.00592895457521081}],"sentiment":"neutral","sentiment_score":-0.04475023533002688,"channel":1,"num_words":13,"start":813.56,"end":817.26},{"sentences":[{"text":"So you definitely don't wanna reduce it.","start":817.775,"end":819.455,"sentiment":"neutral","sentiment_score":-0.22407899371215276},{"text":"That's fair enough.","start":819.455,"end":820.355,"sentiment":"neutral","sentiment_score":-0.05657946194211642}],"sentiment":"neutral","sentiment_score":-0.17382913418114185,"channel":0,"num_words":10,"start":817.775,"end":820.355},{"sentences":[{"text":"Don't wanna reduce.","start":820.52,"end":821.5,"sentiment":"neutral","sentiment_score":-0.2953411638736725}],"sentiment":"neutral","sentiment_score":-0.2953411638736725,"channel":1,"num_words":3,"start":820.52,"end":821.5},{"sentences":[{"text":"K.","start":822.335,"end":822.835,"sentiment":"neutral","sentiment_score":-0.017041726037859917},{"text":"Your income protection, thirteen week waiting period.","start":823.295,"end":826.675,"sentiment":"neutral","sentiment_score":-0.04482040926814079},{"text":"And then once you're out of work for that long, it kicks in monthly for up to five years per injury if it lasts that long.","start":826.68,"end":833.82,"sentiment":"neutral","sentiment_score":-0.10174097235386188}],"sentiment":"neutral","sentiment_score":-0.08753087859162513,"channel":0,"num_words":34,"start":822.335,"end":833.82},{"sentences":[{"text":"Okay.","start":834.175,"end":834.675,"sentiment":"neutral","sentiment_score":0.08915475755929947}],"sentiment":"neutral","sentiment_score":0.08915475755929947,"channel":1,"num_words":1,"start":834.175,"end":834.675},{"sentences":[{"text":"You've got 6,346 a month worth of cover.","start":834.36,"end":841.07495,"sentiment":"neutral","sentiment_score":0.16567962057888508},{"text":"That's protecting an income of roundabout a 108,000.","start":841.735,"end":847.515,"sentiment":"neutral","sentiment_score":0.22021858766674995},{"text":"Actually, no.","start":847.575,"end":848.295,"sentiment":"neutral","sentiment_score":-0.0367349972948432},{"text":"Sorry.","start":848.295,"end":848.535,"sentiment":"neutral","sentiment_score":-0.05160684511065483},{"text":"You've got a 75% policy.","start":848.535,"end":850.315,"sentiment":"neutral","sentiment_score":0.149763223528862}],"sentiment":"neutral","sentiment_score":0.15462187266287705,"channel":0,"num_words":24,"start":834.36,"end":850.315},{"sentences":[{"text":"Lucky you.","start":851.19,"end":851.67,"sentiment":"positive","sentiment_score":0.6098636388778687},{"text":"You put this in place in January 2021 before the government capped it.","start":851.67,"end":856.65,"sentiment":"positive","sentiment_score":0.41821605884111845},{"text":"That's brilliant.","start":857.27,"end":858.09,"sentiment":"positive","sentiment_score":0.8064562976360321},{"text":"So I'm just gonna do one quick recalculation here.","start":858.39,"end":860.95,"sentiment":"neutral","sentiment_score":0.16644943960838848},{"text":"Please bear with me for two seconds.","start":860.95,"end":862.57,"sentiment":"neutral","sentiment_score":0.020007208521877016}],"sentiment":"neutral","sentiment_score":0.3002286076997266,"channel":0,"num_words":33,"start":851.19,"end":862.57},{"sentences":[{"text":"Sure.","start":863.245,"end":863.745,"sentiment":"neutral","sentiment_score":0.07990086078643799}],"sentiment":"neutral","sentiment_score":0.07990086078643799,"channel":1,"num_words":1,"start":863.245,"end":863.745},{"sentences":[{"text":"$6.03 $4.06 a month divided by 75%.","start":863.445,"end":868.34503,"sentiment":"neutral","sentiment_score":0.08516573586634227},{"text":"So it's protecting an income of a 101,000.","start":868.645,"end":871.54504,"sentiment":"neutral","sentiment_score":0.15060899034142494}],"sentiment":"neutral","sentiment_score":0.12006880491971969,"channel":0,"num_words":15,"start":863.445,"end":871.54504},{"sentences":[{"text":"Okay.","start":873.35004,"end":873.85004,"sentiment":"neutral","sentiment_score":0.04640161618590355}],"sentiment":"neutral","sentiment_score":0.04640161618590355,"channel":1,"num_words":1,"start":873.35004,"end":873.85004},{"sentences":[{"text":"You would get?","start":873.60504,"end":874.42505,"sentiment":"neutral","sentiment_score":0.03669997304677963},{"text":"Just over $6 a month.","start":874.48505,"end":875.685,"sentiment":"neutral","sentiment_score":0.039762746170163156},{"text":"Would that cover expenses for you?","start":875.685,"end":877.47,"sentiment":"neutral","sentiment_score":0.03834869681547085}],"sentiment":"neutral","sentiment_score":0.03850041649171284,"channel":0,"num_words":14,"start":873.60504,"end":877.47},{"sentences":[{"text":"Is my house is my house paid off or not?","start":877.75,"end":879.975,"sentiment":"neutral","sentiment_score":-0.04657797254621983}],"sentiment":"neutral","sentiment_score":-0.04657797254621983,"channel":1,"num_words":10,"start":877.75,"end":879.975},{"sentences":[{"text":"This is only let's say you're out for six months, so the house isn't paid off.","start":881.47,"end":885.00995,"sentiment":"neutral","sentiment_score":-0.10070893028751016}],"sentiment":"neutral","sentiment_score":-0.10070893028751016,"channel":0,"num_words":16,"start":881.47,"end":885.00995},{"sentences":[{"text":"Yeah.","start":885.65497,"end":885.975,"sentiment":"neutral","sentiment_score":-0.09040248394012453},{"text":"That's if I'm out, then I'm 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go.","start":1070.26,"end":1072.92,"sentiment":"neutral","sentiment_score":0.05467150933467425},{"text":"Alright.","start":1075.875,"end":1076.375,"sentiment":"neutral","sentiment_score":0.1608712524175644}],"sentiment":"neutral","sentiment_score":0.08650182898749005,"channel":0,"num_words":44,"start":1061.0349,"end":1076.375},{"sentences":[{"text":"I love the old IT issues on a Friday morning when you can't click","start":1078.435,"end":1081.9551,"sentiment":"neutral","sentiment_score":0.16202608229858534}],"sentiment":"neutral","sentiment_score":0.16202608229858534,"channel":0,"num_words":14,"start":1078.435,"end":1081.9551},{"sentences":[{"text":"Well,","start":1081.805,"end":1082.285,"sentiment":"neutral","sentiment_score":0.003684969618916511}],"sentiment":"neutral","sentiment_score":0.003684969618916511,"channel":1,"num_words":1,"start":1081.805,"end":1082.285},{"sentences":[{"text":"on 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something.","start":1082.8451,"end":1083.505,"sentiment":"neutral","sentiment_score":-0.04535205662250519},{"text":"Don't work on Friday.","start":1083.645,"end":1084.8651,"sentiment":"neutral","sentiment_score":-0.08092755079269409}],"sentiment":"neutral","sentiment_score":-0.06906905273596446,"channel":1,"num_words":6,"start":1082.8451,"end":1084.8651},{"sentences":[{"text":"So maybe I should go to a four day work week, extra hours, take Friday off.","start":1086.8351,"end":1092.28,"sentiment":"neutral","sentiment_score":0.09717976744286716}],"sentiment":"neutral","sentiment_score":0.09717976744286716,"channel":0,"num_words":16,"start":1086.8351,"end":1092.28},{"sentences":[{"text":"I kinda do that now, and it's fantastic, I have to say.","start":1092.54,"end":1096.56,"sentiment":"positive","sentiment_score":0.6221408744653066}],"sentiment":"positive","sentiment_score":0.6221408744653066,"channel":1,"num_words":12,"start":1092.54,"end":1096.56},{"sentences":[{"text":"Kinda doing the hours anyway, but I've always liked the five days, you know, see the kids in the morning and the nighttime, but I don't know.","start":1097.38,"end":1102.98,"sentiment":"neutral","sentiment_score":0.33109821296400493},{"text":"I'll consider it.","start":1102.98,"end":1103.78,"sentiment":"positive","sentiment_score":0.336108277241389},{"text":"Absolutely.","start":1103.78,"end":1104.28,"sentiment":"positive","sentiment_score":0.4977560043334961}],"sentiment":"positive","sentiment_score":0.336959115680187,"channel":0,"num_words":31,"start":1097.38,"end":1104.28},{"sentences":[{"text":"Well, I at least do my stuff.","start":1104.54,"end":1106.335,"sentiment":"positive","sentiment_score":0.4075815294470106},{"text":"They work from home on Friday, so at least they can get their washing 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don't spend the weekend cleaning.","start":1111.0549,"end":1112.9149,"sentiment":"positive","sentiment_score":0.43093758821487427}],"sentiment":"positive","sentiment_score":0.43093758821487427,"channel":1,"num_words":6,"start":1111.0549,"end":1112.9149},{"sentences":[{"text":"We're actually starting that next week just with the fuel prices Thursday, Friday from home, which I'm looking forward to.","start":1113.435,"end":1118.8151,"sentiment":"positive","sentiment_score":0.44831519275903703}],"sentiment":"positive","sentiment_score":0.44831519275903703,"channel":0,"num_words":20,"start":1113.435,"end":1118.8151},{"sentences":[{"text":"Yeah.","start":1119.04,"end":1119.54,"sentiment":"neutral","sentiment_score":0.19769737124443057}],"sentiment":"neutral","sentiment_score":0.19769737124443057,"channel":1,"num_words":1,"start":1119.04,"end":1119.54},{"sentences":[{"text":"Amelia, there's two documents for the digital authorization this year for you.","start":1120.23,"end":1125.13,"sentiment":"neutral","sentiment_score":0.11209233322491248},{"text":"So one of them is the service agreement.","start":1125.1901,"end":1127.53,"sentiment":"neutral","sentiment_score":0.0987348547205329},{"text":"1.65% is the fees spread out monthly throughout the year for the super until you hit 600,000 when it flatlines and caps.","start":1127.75,"end":1136.975,"sentiment":"neutral","sentiment_score":0.12054047259417447}],"sentiment":"neutral","sentiment_score":0.11397326746512026,"channel":0,"num_words":42,"start":1120.23,"end":1136.975},{"sentences":[{"text":"Yep.","start":1137.265,"end":1137.765,"sentiment":"neutral","sentiment_score":0.13202685117721558}],"sentiment":"neutral","sentiment_score":0.13202685117721558,"channel":1,"num_words":1,"start":1137.265,"end":1137.765},{"sentences":[{"text":"There's also a tax file number opt in form.","start":1137.435,"end":1140.975,"sentiment":"neutral","sentiment_score":0.1049742955300543},{"text":"So this is new just because of all the cybersecurity issues last year.","start":1141.435,"end":1145.52,"sentiment":"neutral","sentiment_score":0.0850804651585909},{"text":"We're trying to keep tax phone numbers on one document rather than three digital systems.","start":1145.52,"end":1149.7001,"sentiment":"neutral","sentiment_score":0.08948122411966324},{"text":"So we're just asking for your consent to move it over there and just to make sure you're okay for us to hold that number because it is quite important.","start":1149.92,"end":1157.38,"sentiment":"neutral","sentiment_score":0.1240087037285169}],"sentiment":"neutral","sentiment_score":0.10616856985794965,"channel":0,"num_words":67,"start":1137.435,"end":1157.38},{"sentences":[{"text":"Sure.","start":1158.07,"end":1158.57,"sentiment":"neutral","sentiment_score":0.2488056123256683}],"sentiment":"neutral","sentiment_score":0.2488056123256683,"channel":1,"num_words":1,"start":1158.07,"end":1158.57},{"sentences":[{"text":"Cool.","start":1160.015,"end":1160.335,"sentiment":"neutral","sentiment_score":0.09189801663160324},{"text":"Any questions for me before I let you go for the weekends?","start":1160.335,"end":1162.835,"sentiment":"neutral","sentiment_score":0.03349557161952058}],"sentiment":"neutral","sentiment_score":0.03798806738968079,"channel":0,"num_words":13,"start":1160.015,"end":1162.835},{"sentences":[{"text":"No.","start":1163.0549,"end":1163.375,"sentiment":"neutral","sentiment_score":-0.31023743748664856},{"text":"I'm good.","start":1163.375,"end":1163.9349,"sentiment":"neutral","sentiment_score":0.15407436341047287},{"text":"Thank you very much.","start":1163.9349,"end":1164.995,"sentiment":"positive","sentiment_score":0.7592371106147766}],"sentiment":"positive","sentiment_score":0.43355139025620054,"channel":1,"num_words":7,"start":1163.0549,"end":1164.995},{"sentences":[{"text":"You are amazing, Amelia.","start":1165.375,"end":1166.655,"sentiment":"positive","sentiment_score":0.8221231698989868},{"text":"I will give you a buzz in a couple of weeks.","start":1166.655,"end":1168.675,"sentiment":"positive","sentiment_score":0.6111886961893602},{"text":"I'll get working in the background.","start":1168.735,"end":1170.335,"sentiment":"positive","sentiment_score":0.4441862255334854},{"text":"And if you need anything, please just call through.","start":1170.335,"end":1172.675,"sentiment":"neutral","sentiment_score":0.24021787610318926}],"sentiment":"positive","sentiment_score":0.49462155252695084,"channel":0,"num_words":30,"start":1165.375,"end":1172.675},{"sentences":[{"text":"Okay.","start":1172.7429,"end":1173.2429,"sentiment":"positive","sentiment_score":0.3950810432434082},{"text":"Thank you very much.","start":1173.303,"end":1174.443,"sentiment":"positive","sentiment_score":0.787984162569046}],"sentiment":"positive","sentiment_score":0.7094035387039185,"channel":1,"num_words":5,"start":1172.7429,"end":1174.443},{"sentences":[{"text":"Have a good one.","start":1174.7828,"end":1175.5029,"sentiment":"positive","sentiment_score":0.6604462265968323},{"text":"Bye.","start":1175.5029,"end":1176.0029,"sentiment":"neutral","sentiment_score":0.2913019359111786}],"sentiment":"positive","sentiment_score":0.5866173684597016,"channel":0,"num_words":5,"start":1174.7828,"end":1176.0029},{"sentences":[{"text":"Bye.","start":1175.783,"end":1176.283,"sentiment":"neutral","sentiment_score":-0.09304367005825044}],"sentiment":"neutral","sentiment_score":-0.09304367005825044,"channel":1,"num_words":1,"start":1175.783,"end":1176.283}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Tommy calls Amelia to discuss her annual review and updates her financial information. They discuss her monthly income and savings schedule, home value and mortgage, and the possibility of a will or power of attorney for her estate. The speaker provides insight into her risk levels and suggests a plan for maintaining a stable income. They also discuss her portfolio and risk levels, highlighting her aggressive risk management and the need for a stable risk level. The agent provides an investment update document and a quote for maximum coverage levels, discusses retirement plans and insurance coverage, and provides information on tax phone numbers and a service agreement. The agent offers to update the customer's strategy and provide more information on the service agreement."},"intents":{"segments":[{"text":"I'm just giving you a buzz to go through your annual review. Okay. Good.","start_word":106,"end_word":119,"intents":[{"intent":"Request annual review","confidence_score":0.028580688}]},{"text":"You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping. Does that sound about right?","start_word":396,"end_word":422,"intents":[{"intent":"Upgrade homes and supers","confidence_score":0.0011254194}]},{"text":"You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping. Does that sound about right? Yep. Perfect.","start_word":396,"end_word":424,"intents":[{"intent":"Discuss investment flipping","confidence_score":0.005072153}]},{"text":"Do you have, like, a regular set savings schedule?","start_word":699,"end_word":707,"intents":[{"intent":"Check savings schedule","confidence_score":0.03726938}]},{"text":"And did you put in place, last question, a will or power of attorney for your estate?","start_word":1036,"end_word":1052,"intents":[{"intent":"Confirm power of attorney","confidence_score":0.0063409037}]},{"text":"I've got your super performance up in front of me as well, and then I'm just gonna briefly touch on your policy. Usually, log in to your Netwealth to keep an eye on it, or you just wait for the reviews.","start_word":1163,"end_word":1203,"intents":[{"intent":"Update policy","confidence_score":0.6494342}]},{"text":"I do have some good and bad news for you. So you're in a pretty aggressive portfolio from what I can see here. Everything is in shares and gold. You've pretty much got growth assets across the board. You're pretty aggressive. Does that make sense in terms of risk level?","start_word":1241,"end_word":1290,"intents":[{"intent":"Assist with portfolio","confidence_score":0.00045286343}]},{"text":"So what I wanted to ask you is your preservation age is 60 when you can access your server. Age pension for Centrelink is 67. Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer? Yeah.","start_word":1408,"end_word":1468,"intents":[{"intent":"Inquire about pension age","confidence_score":0.009761302}]},{"text":"Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer? Yeah.","start_word":1433,"end_word":1468,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.00016658807}]},{"text":"I'm gonna put a bit of a flag on it just to keep an eye on it for you. And if we need to adjust the risk level down, we will.","start_word":1872,"end_word":1902,"intents":[{"intent":"Adjust risk level","confidence_score":0.015071091}]},{"text":"one option that I wanna kind of replace for you because you've got about eight. They've all done fantastic except for one of them. Your gold's up 25%. Your American shares are up 17, but your Aussie shares have gone down a a decent chunk. So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares.","start_word":1906,"end_word":1973,"intents":[{"intent":"Replace shares","confidence_score":0.30723223}]},{"text":"So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around.","start_word":2130,"end_word":2164,"intents":[{"intent":"Compare insurance policies","confidence_score":0.11114888}]},{"text":"Would that cover expenses for you?","start_word":2520,"end_word":2525,"intents":[{"intent":"Calculate coverage cost","confidence_score":0.020069273}]},{"text":"Last question I forgot to check before. Has there been any changes in the family circumstances in terms of partnerships, starting a family, anything like that? No.","start_word":2752,"end_word":2778,"intents":[{"intent":"Check family circumstances","confidence_score":0.16440941},{"intent":"Ask about family changes","confidence_score":0.009784846}]},{"text":"We've got a new You dog. Fantastic.","start_word":2779,"end_word":2785,"intents":[{"intent":"Congratulate on new dog","confidence_score":0.030813549},{"intent":"Discuss new you dog","confidence_score":0.0015139511}]},{"text":"I will get some I'm actually going on paternity leave in just over a month. So I'm gonna Congratulations. do thank you.","start_word":2907,"end_word":2928,"intents":[{"intent":"Congratulate on paternity leave","confidence_score":0.22074318}]},{"text":"I will get some I'm actually going on paternity leave in just over a month. So I'm gonna Congratulations. do thank you. We got two boys and a girl on the way now, so that'll cap us out at three. Yeah.","start_word":2907,"end_word":2947,"intents":[{"intent":"Provide paternity leave information","confidence_score":0.0019054548}]},{"text":"In a couple of weeks, the team will get you booked in just to run Yep. through that updated document with me so we can update your strategy before I go, and then we should be good to go after that. Yep.","start_word":2974,"end_word":3015,"intents":[{"intent":"Run yep","confidence_score":0.04360381}]},{"text":"Do you want any more updated contact frequency after that quarterly, six monthly?","start_word":3019,"end_word":3031,"intents":[{"intent":"Request contact frequency","confidence_score":0.04738319}]},{"text":"Six monthly could be fine, especially if we do that, let's say, end of financial year and then we catch up around Christmas time. That'd be Yep.","start_word":3059,"end_word":3085,"intents":[{"intent":"Resolve billing issues","confidence_score":0.0042961785}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Amelia. It's Tommy here, senior adviser from Oakview. How are you doing today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1883089393377304},{"text":"Good. Thanks, Tommy. How are you? I'm doing fantastic. It is a brilliant cold, wet, rainy morning on the Gold Coast.","start_word":16,"end_word":36,"sentiment":"positive","sentiment_score":0.5452895164489746},{"text":"What about down in WA? It is finally got cold. So we will Oh, be you having finally a joined fire us in the season.","start_word":37,"end_word":61,"sentiment":"neutral","sentiment_score":0.06087524816393852},{"text":"on Amazing. fire on today, and it'll be nice and chilly.","start_word":62,"end_word":72,"sentiment":"positive","sentiment_score":0.33811917901039124},{"text":"Oh, jealous, jealous, and looking forward to the long weekends? We don't have one. We had it last week. No. Oh, I hope it was good.","start_word":73,"end_word":98,"sentiment":"neutral","sentiment_score":0.13908995687961578},{"text":"It was nice and relaxing. Perfect. Perfect.","start_word":99,"end_word":105,"sentiment":"positive","sentiment_score":0.5039139986038208},{"text":"I'm just giving you a buzz to go through your annual review. Okay. Good. Perfect. Now I'm just gonna go through a quick little security check, and I've got an annual review pack that I'm gonna email out to you now. Are you okay to look onto your emails with me today, or should I just walk you through what's there? Just walk me through what's there. No worries at all. Are you okay for this call to be recorded, Amelia? Yes. What? Perfect. And can I just confirm the security of your account? So I'm registered with ASIC as Adviser1273105. We don't have a security question on file. Could you please confirm your date of birth and address? Third and first nineteen eighty six. And my address is Number 4 Barfield Road, Harkerville, WA 6081. Sensational.","start_word":106,"end_word":242,"sentiment":"neutral","sentiment_score":0.0864061489701271},{"text":"Thank you so much for doing that.","start_word":243,"end_word":249,"sentiment":"positive","sentiment_score":0.5248806476593018},{"text":"So what I've just popped through to you for you to look on to when you do have time, the annual review pack includes, like, performance updates on your super, certificate of currency for your insurances, some financial services guides from us with our licensing information updated, as well as, like, ongoing service agreements and that kind of thing as well. Now, Amelia, Oh, is there anything in particular you would like to get out of this year's review?","start_word":250,"end_word":328,"sentiment":"neutral","sentiment_score":0.13082541525363922},{"text":"no. It's just no where I'm at, I guess.","start_word":329,"end_word":337,"sentiment":"negative","sentiment_score":-0.40551623702049255},{"text":"Fantastic. I'm gonna focus pretty heavily on the supers today just given what's going on in the world, make sure you're all in the right portfolio. Do you mind if I spend the two minutes quickly Yep. updating your details because we have switched systems? Yeah. Yeah. No problem. K? So just reconfirming some of your old goals.","start_word":338,"end_word":395,"sentiment":"neutral","sentiment_score":0.16159987269804396},{"text":"You had some really fantastic ambitious goals there to kind of upgrade your home, build up your super, do some investment flipping.","start_word":396,"end_word":417,"sentiment":"positive","sentiment_score":0.419948011636734},{"text":"Does that sound about right? Yep.","start_word":418,"end_word":423,"sentiment":"neutral","sentiment_score":0.19214244186878204},{"text":"Perfect.","start_word":424,"end_word":424,"sentiment":"positive","sentiment_score":0.3519322872161865},{"text":"And is that mainly to do with properties, just obtaining and flipping properties, or what was the Yep. the focus? I did crypto a long time ago, and I'm terrified of it now. So I prefer Yeah. properties and shares sorry. Just properties for my cash cash, and then you guys deal with all the other stuff. Yep. Perfect. Do you ever want to look at personal investing outside of properties, like some shares in your personal name, manage funds, anything like that, or just keep it to bricks and mortar? Even to bring some it scares the Yep. Totally fair. Totally fair. With your occupation, we had you at Petbarn as a manager earning a 100 shit and 25,000. out of me. I've never worked a pick one. Okay. So that looks strange because when I was looking at property flipping, I was like, hang on a second. This data looks a little bit strange. Can I just double check with you your occupation?","start_word":425,"end_word":589,"sentiment":"neutral","sentiment_score":-0.07213559746742249},{"text":"That's why the old system switch has done the wrong thing here.","start_word":590,"end_word":601,"sentiment":"negative","sentiment_score":-0.33722007274627686},{"text":"Yep. Could I just take down your annual income, please? $1.75 or $1.80, One seventy around 5. there. That makes sense. I was thinking a manager at Petbarn probably isn't on 01/25, and they're probably Probably not trying not. to flip properties. I do have the old details opening. We've got learning development manager. Not that very old. Very, very old. Yeah. That's 2020. So I didn't think that would be right. Occupation title currently? C o o. COO. And who are you the COO of? Same j b is coming up. MGB seminars.","start_word":602,"end_word":695,"sentiment":"neutral","sentiment_score":-0.07097571073694432},{"text":"Fantastic. Alright.","start_word":696,"end_word":697,"sentiment":"positive","sentiment_score":0.48333683609962463},{"text":"January. Do you have, like, a regular set savings schedule? Are you just piling everything into offset accounts, savings. Do you know how much you can save? I'm currently in the cost of the council.","start_word":698,"end_word":732,"sentiment":"neutral","sentiment_score":0.023571467027068135},{"text":"I am fighting lawsuits at the minute. It's dwindling a lot.","start_word":733,"end_word":743,"sentiment":"negative","sentiment_score":-0.36122965812683105},{"text":"Oh, no. Alright. So we'll just say cash flow varies at the moment and is kind of out of the game for a little while. Little bit. We're investing definitely.","start_word":744,"end_word":773,"sentiment":"neutral","sentiment_score":-0.1618560254573822},{"text":"Perfect. Perfect.","start_word":774,"end_word":775,"sentiment":"positive","sentiment_score":0.5352077484130859},{"text":"Now just let me know if these sound correct for your assets as well to see if this status come across. Alright? We have a house, a Tesla, some savings, and a motorbike. Health? Yes. Tesla? No. I got a new car. Oh, no. I don't technically have the new car, lawsuit. And motorbike too. Yes. And savings Alright. a bit. But I've done a lot of investment into my property. So Yeah. Cool. So just a quick update on the values here for the three of them. The two motorbikes, is that about $15 or because you've got a second one that's a bit higher? yeah. Probably about 20. Yep. Savings, I think last check was 25,000. Yep. And your home value, I think we had it at 350,000 owing for 680,000 value. Does that sound right? No. Well, they reckon Oh, now I can get $85,900. okay. I'll go with the lower estimate just to be conservative, but that's incredible. Yep. And are you under 300,000 now for the mortgage? Or No. Because I had to pull some cash out for something yep. else. So I'm at about $4.30. $4.30. Okay.","start_word":776,"end_word":968,"sentiment":"neutral","sentiment_score":0.02221445180475712},{"text":"Thank you so much for that.","start_word":969,"end_word":974,"sentiment":"positive","sentiment_score":0.49411624670028687},{"text":"Any other assets or liabilities I haven't listed already? No. Okay. We've got the addresses still correct. Your Gmail account still okay for your main email? Yep. Alright. Phone number's there. You well, I know you're going through lawsuits at the moment, but have you actually ever gone through, like, a bankruptcy or a part nine debt agreement before? That's sensational. And did you put in place, last question, a will or power of attorney for your estate? I put in a will. Yes. Fantastic. But no power of attorney there for if you're in hospital, that kind of thing? No. No. I'll check. My sister is a wills and estates lawyer, so she's probably System the power is of attorney. will She's and. would've done it properly. Alrighty.","start_word":975,"end_word":1103,"sentiment":"neutral","sentiment_score":-0.04819199806729029},{"text":"That should be perfect. Thank you K.","start_word":1104,"end_word":1110,"sentiment":"positive","sentiment_score":0.4298240542411804},{"text":"so much for updating all of that with me. I do apologize for, That's fine. misoccupationing you into Petbarn, but thank I mean, you for I clearing shot that this. up. Oh, yeah. Petbarn's sensational. But, again, a 125 for a manager there. Doesn't make sense. Alright. Yep. COO MJP seminars.","start_word":1111,"end_word":1161,"sentiment":"neutral","sentiment_score":-0.0320020355284214},{"text":"Perfect.","start_word":1162,"end_word":1162,"sentiment":"positive","sentiment_score":0.49081724882125854},{"text":"I've got your super performance up in front of me as well, and then I'm just gonna briefly touch on your policy. Usually, log in to your Netwealth to keep an eye on it, or you just wait for the reviews. What's your usual I tend to wait for the reviews. I used to log in, but I haven't I just haven't. yep. Life's busy. Good good enough Not on busy. the plate. Yeah. Totally fair. Totally fair. I do have some good and bad news for you. So you're in a pretty aggressive portfolio from what I can see here. Everything is in shares and gold. You've pretty much got growth assets across the board. You're pretty aggressive. Does that make sense in terms of risk level? I think we actually agreed with medium. Medium. Medium. Okay. So I'm having We a agreed look. with, like, say, not too crazy. Okay. But This what's one's happening looking with the pretty aggressive approach?","start_word":1163,"end_word":1325,"sentiment":"neutral","sentiment_score":0.020535530522465702},{"text":"Well, it's still up positive 4% for the year.","start_word":1326,"end_word":1334,"sentiment":"positive","sentiment_score":0.39612752199172974},{"text":"It was having a pretty sharp up and down the last couple of months and and took a pretty sharp dive as well, and then it bounced back up into the positive. So it's made it back, but it's very, very volatile. And because you have a pretty solid balance there, you're sitting at almost a 140,000, It's tending Okay. to jump up and down about $10.15 grand every couple of weeks. Okay. So what I wanted to ask you is your preservation age is 60 when you can access your server. Age pension for Centrelink is 67. Are we trying to grow it as fast as we can for an earlier retirement, or do you wanna go a little bit more middle of the road, medium risk for a little bit longer? Yeah. Just more, I guess, may I think we agreed with medium risk. So yeah. I remember the first year was, like, 11%. That made me no. 13%.","start_word":1335,"end_word":1495,"sentiment":"neutral","sentiment_score":0.037539221346378326},{"text":"That kind of stuff makes me happy. Absolutely. Getting the big returns is fantastic.","start_word":1496,"end_word":1509,"sentiment":"positive","sentiment_score":0.6280942559242249},{"text":"So what tends to happen is, let's say, twenty, twenty seven years until retirement, you're probably gonna go through three or four cycles where the market Yeah. goes up for five years, ten, twenty, 30%, and then it's gonna crash down ten, twenty, 30% for one year, and then it goes up for five, down for one, up for five, down for one. We do that cycle to keep growing you until fifties, and then we slowly reduce your risk level down 90% shares and property, eighty, seventy, sixty, fifty, forty. And then you're in your sixties, you have a nice, safe pension account with the money first grown and then protected. Does that sound uncomfortable for you? Not really. I mean, I'm young, and I hope to have more properties. So Yep. You do have a pretty decent balance. You kind of caught up for average balance for your age, and you've got a good 6 figure income, so contributions should be quite strong. You don't have to take on the highest level of risk. What To are get you to in? that side? Me, I tend to bounce around a little bit. I I tend to play with mine between high risk, medium, high risk, medium. Yep. Most people, we tend to keep them somewhere between if you think of it at a scale of five, conservative, moderate, balanced growth, high growth, we keep them between growth and high growth until their fifties and then start winding them back after that. The way to essentially get there is to either go high growth or go one peg down, but maybe put $50 extra in salary sacrifice. So the tax savings gets you about the same outcome. Okay. Well, yeah, I don't know. Keep it. I think it's still we've still grown, haven't we, overall? Yeah. And there will be those odd negative years which we factor into the average because I think Yeah. we're trying to get you, like, 10% average. So if it goes up ten, twenty, 30, and then down a little bit and averages out at 15%, fantastic. Okay. Let's keep it doing what it's doing. K? I'm gonna put a bit of a flag on it just to keep an eye on it for you. And if we need to adjust the risk level down, we will. There is Yeah. one option that I wanna kind of replace for you because you've got about eight. They've all done fantastic except for one of them. Your gold's up 25%. Your American shares are up 17, but your Aussie shares have gone down a a decent chunk. So if you're okay for that, I wanna just find you a bit of a like for like replacement for your Aussie shares. Just a bit of an engine tune up. Sure. K? Do you have a preference? Now there's no wrong answer here. Do you have a preference between going for the lowest fee investments, or are you okay to pay higher fees to achieve a higher return?","start_word":1510,"end_word":2019,"sentiment":"neutral","sentiment_score":0.1117173807293761},{"text":"I'm not paying it. It's not coming out of my super there.","start_word":2020,"end_word":2031,"sentiment":"negative","sentiment_score":-0.3759593069553375},{"text":"Right? Yeah. All coming out as super. Because I can basically find you a good replacement in either style. It's just whether you have a strong leaning one way or the other. No. I mean, let's try the higher fees and higher returns, see what happens Cool. over the next year.","start_word":2032,"end_word":2082,"sentiment":"neutral","sentiment_score":0.07394826003149443},{"text":"Good news is I do have a couple I've been researching after Christmas, and it's slightly more affordable than the one that you've got.","start_word":2083,"end_word":2106,"sentiment":"positive","sentiment_score":0.5261741280555725},{"text":"It's still active, Okay. that sort of high fee style, but had a much stronger return over one, three, five, and ten years. So I'm gonna do a bit of a comparison for you and update your advice document, and then we can walk through that and just make sure you're comfortable before I move your money around.","start_word":2107,"end_word":2164,"sentiment":"neutral","sentiment_score":0.26082175970077515},{"text":"Okay. Beautiful. Cool.","start_word":2165,"end_word":2167,"sentiment":"positive","sentiment_score":0.47190946340560913},{"text":"Just quickly on your summary here, you've got Neos insurance, Mhmm. life, TPD, and income protection.","start_word":2168,"end_word":2183,"sentiment":"neutral","sentiment_score":0.23034588992595673},{"text":"Premiums are looking pretty good.","start_word":2184,"end_word":2188,"sentiment":"positive","sentiment_score":0.5735153555870056},{"text":"2,209 per year comes out of the super. 15% rebate drops it to about 1,800. So still under the 2 k mark. That's gonna increase through your forties. 45 to 50, it's gonna accelerate. 50 to 55, it's gonna go like a hockey stick. So before long, in your fifties, this could be about $6 for the policy. The whole point is that once you pay down your mortgage, we can trim down the insurances. Does that make sense? Yep. Makes sense. You've got $4.30 owing on the mortgage. You've got life and disability insurance of 654,000. Mhmm. So that covers the mortgage and then leaves you a couple of $100 plus your super on top, so that's not too bad. Trimming that down at this point probably won't do too much to the premiums, but how does that sound for a claim scenario? If you can never Yeah. work again. Sound alright? $300 if I never work again. Do you get Centrelink there? Yeah. So you mix in your super, the insurances. You got your mortgage paid off. You invest that, and then Centrelink kicks in underneath. Okay. Well, let's hope it never happens. But, yeah, that might sound okay. So you definitely don't wanna reduce it. That's fair enough. Don't wanna reduce. K. Your income protection, thirteen week waiting period. And then once you're out of work for that long, it kicks in monthly for up to five years per injury if it lasts that long. Okay. You've got 6,346 a month worth of cover. That's protecting an income of roundabout a 108,000. Actually, no. Sorry. You've got a 75% policy.","start_word":2189,"end_word":2461,"sentiment":"neutral","sentiment_score":0.028252253779670698},{"text":"Lucky you. You put this in place in January 2021 before the government capped it. That's brilliant.","start_word":2462,"end_word":2478,"sentiment":"positive","sentiment_score":0.5185579061508179},{"text":"So I'm just gonna do one quick recalculation here. Please bear with me for two seconds. Sure. $6.03 $4.06 a month divided by 75%. So it's protecting an income of a 101,000. Okay. You would get? Just over $6 a month. Would that cover expenses for you? Is my house is my house paid off or not? This is only let's say you're out for six months, so the house isn't paid off. Yeah. That's if I'm out, then I'm injured. Like, I'm not gonna be partying or traveling. Yeah. I can live on $6 a month. K. Now remember that's So, yeah, gross I of save 6 about thousand three, 400. $4 a month, so that would make sense. Okay. You don't want me to look at it bumping it up to match your income or anything like that? Just keep it at that level. Well, what would the increase be? If it's all comparative, then, yeah, bump it up. K. What I might do is I'm going to do a quote for the maximum cover level, and I'm gonna Yeah. keep an eye on the premiums, make sure it's not a big chunk of your contributions. When I give you that investment update document, I'll include the quote. You can let me know if you're comfortable with it. Okay. K? Do you want me to look at bumping up the life and TPD insurance at all so so there's a bit extra if you can never work again or you pass away? Anything like that? You wanna get an extra couple of $100 there? Or Not at this stage. Yep.","start_word":2479,"end_word":2750,"sentiment":"neutral","sentiment_score":0.016876315533676568},{"text":"Perfect.","start_word":2751,"end_word":2751,"sentiment":"positive","sentiment_score":0.3394085168838501},{"text":"Last question I forgot to check before. Has there been any changes in the family circumstances in terms of partnerships, starting a family, anything like that? No. We've got a new You dog.","start_word":2752,"end_word":2784,"sentiment":"neutral","sentiment_score":0.00016167413559742272},{"text":"Fantastic.","start_word":2785,"end_word":2785,"sentiment":"positive","sentiment_score":0.43636274337768555},{"text":"What's the name? dog. Whoopie. Wealthy. Alright. Hi, Whoopie. Is that two dogs? No. Well, that means I have two dogs now. So yes. Yep. Two dogs. And the other dog's name? Vader. Vader and Wolfie. Oh my gosh. Yeah. Commander Wharton, Lord Vader.","start_word":2786,"end_word":2829,"sentiment":"neutral","sentiment_score":0.06213119253516197},{"text":"I love it. I love it.","start_word":2830,"end_word":2835,"sentiment":"positive","sentiment_score":0.6898545026779175},{"text":"I've got Marshall from the Paw Patrol because my son named him.","start_word":2836,"end_word":2847,"sentiment":"neutral","sentiment_score":0.2750258147716522},{"text":"Cute.","start_word":2848,"end_word":2848,"sentiment":"positive","sentiment_score":0.36255598068237305},{"text":"Cartoon dogs all around. Alrighty. So I'll do a bit of a check there. And I'm assuming you don't wanna get some trauma insurance, which is heart attack, stroke, and cancer, and you've gotta pay for it out of pocket. No. That's fine. Cool. Not Alrighty. yet. Any questions for me at this stage? No. We're good. Alright. I will get some I'm actually going on paternity leave in just over a month. So I'm gonna Congratulations.","start_word":2849,"end_word":2925,"sentiment":"neutral","sentiment_score":0.028189675882458687},{"text":"do thank you.","start_word":2926,"end_word":2928,"sentiment":"positive","sentiment_score":0.3928556442260742},{"text":"We got two boys and a girl on the way now, so that'll cap us out at three. Yeah. I don't know why, but I'm sure I'll be happy when I'm 60. So what I'm gonna do is I'm gonna do the research in between. In a couple of weeks, the team will get you booked in just to run Yep. through that updated document with me so we can update your strategy before I go, and then we should be good to go after that. Yep. Okay.","start_word":2929,"end_word":3016,"sentiment":"neutral","sentiment_score":0.10906745493412018},{"text":"Beautiful.","start_word":3017,"end_word":3017,"sentiment":"positive","sentiment_score":0.4745701849460602},{"text":"Cool. Do you want any more updated contact frequency after that quarterly, six monthly?","start_word":3018,"end_word":3031,"sentiment":"neutral","sentiment_score":0.10970477759838104},{"text":"Are you happy for the annual review?","start_word":3032,"end_word":3038,"sentiment":"positive","sentiment_score":0.34942978620529175},{"text":"Six months might be good if we're changing strategy, but if we don't end up changing strategy, Yeah. I'm okay. Six monthly could be fine, especially if we do that, let's say, end of financial year and then we catch up around Christmas time.","start_word":3039,"end_word":3082,"sentiment":"neutral","sentiment_score":0.15188418328762054},{"text":"That'd be Yep. good.","start_word":3083,"end_word":3086,"sentiment":"positive","sentiment_score":0.3905615508556366},{"text":"Let's Alright. do that. Six monthly contact. Now the service agreement is there. I'm just gonna double check the details of it just to make sure the new system has gotten that one correct. Bear with me for two secs, and then I can let you go. Alright. I love the old IT issues on a Friday morning when you can't click Well, on half it's your telling screen. you something. Don't work on Friday. So maybe I should go to a four day work week, extra hours, take Friday off.","start_word":3087,"end_word":3177,"sentiment":"neutral","sentiment_score":0.09252654016017914},{"text":"I kinda do that now, and it's fantastic, I have to say.","start_word":3178,"end_word":3189,"sentiment":"positive","sentiment_score":0.6329871416091919},{"text":"Kinda doing the hours anyway, but I've always liked the five days, you know, see the kids in the morning and the nighttime, but I don't know. I'll consider it.","start_word":3190,"end_word":3219,"sentiment":"neutral","sentiment_score":0.31999775767326355},{"text":"Absolutely. Well, I at least do my stuff.","start_word":3220,"end_word":3227,"sentiment":"positive","sentiment_score":0.4220390319824219},{"text":"They work from home on Friday, so at least they can get their washing done. Yeah.","start_word":3228,"end_word":3243,"sentiment":"neutral","sentiment_score":0.30998504161834717},{"text":"And, That's like, fantastic. they don't spend the weekend cleaning. We're actually starting that next week just with the fuel prices Thursday, Friday from home, which I'm looking forward to.","start_word":3244,"end_word":3273,"sentiment":"positive","sentiment_score":0.4673023223876953},{"text":"Yeah. Amelia, there's two documents for the digital authorization this year for you. So one of them is the service agreement. 1.65% is the fees spread out monthly throughout the year for the super until you hit 600,000 when it flatlines and caps. Yep. There's also a tax file number opt in form. So this is new just because of all the cybersecurity issues last year. We're trying to keep tax phone numbers on one document rather than three digital systems. So we're just asking for your consent to move it over there and just to make sure you're okay for us to hold that number because it is quite important. Sure.","start_word":3274,"end_word":3385,"sentiment":"neutral","sentiment_score":0.11455489695072174},{"text":"Cool.","start_word":3386,"end_word":3386,"sentiment":"positive","sentiment_score":0.39193791151046753},{"text":"Any questions for me before I let you go for the weekends? No. I'm good.","start_word":3387,"end_word":3401,"sentiment":"neutral","sentiment_score":0.027954548597335815},{"text":"Thank you very much. You are amazing, Amelia. I will give you a buzz in a couple of weeks. I'll get working in the background.","start_word":3402,"end_word":3426,"sentiment":"positive","sentiment_score":0.625285804271698},{"text":"And if you need anything, please just call through.","start_word":3427,"end_word":3435,"sentiment":"neutral","sentiment_score":0.24187514185905457},{"text":"Okay. Thank you very much. Have a good one.","start_word":3436,"end_word":3444,"sentiment":"positive","sentiment_score":0.6681446433067322},{"text":"Bye. Bye.","start_word":3445,"end_word":3446,"sentiment":"neutral","sentiment_score":0.22856995463371277}],"average":{"sentiment":"neutral","sentiment_score":0.085066939727777}}}}