{"metadata":{"transaction_key":"deprecated","request_id":"01a0f9cc-6e6f-77d2-b0f6-032aabc9cfac","sha256":"ca07d0d3a6d25f43c43bc72a049cbb6fb07e682e0fd69d7b177ff9fc9813cd5d","created":"2026-10-01T23:28:41.477Z","duration":1266.912,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4376,"output_tokens":125},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4910,"output_tokens":4920},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4910,"output_tokens":308}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Rhianna. You're through to Tommy, senior adviser. Thank you so much for calling back in. I'm doing fantastic. It is a beautiful Friday. How are you doing? No. That's totally fair enough. It's... The the season kind of affects us all. Do you... Are you still okay to kind of go through a bit of an annual review with me this morning? Perfect. I won't try to get you to use your voice too much, but there's obviously a few things that I need to run by you. Just get your your thoughts on too. I have an annual review pack that I'm gonna send through to your Gmail address. Will you be able to look onto it with me today, or should I just kind of walk you through what I'm sending? That's totally fine. So what I was thinking for today is I was just gonna update a few of your details just with our new system. And what I've sent through to you is essentially just a bit of a summary on how the super has been going, a certificate for your insurances, and some updated service guides with Oakview and consent forms. Cool. Now is there anything in particular you're hoping to get out of this year's review? Perfect. Just give you a bit of a general update. Any questions you do have, I'll do my best to answer. And if there's any advice that we need to do, I'll kind of walk you through some steps. Cool. Now in terms of overall goals, just to kind of catch up on things, most of what I'm kind of seeing on your file is really just to focus on, obviously, growing the super for retirement and then just kind of building your savings, paying down the mortgage. Does that sound about right? Perfect. Anything else that you're working on in the next one to three years? Perfect. We've got the address that we updated that. That's perfect. We have you married with no dependents. Is that correct? One child. Are they under or over 18? Under. Perfect. In terms of the the occupation, so last time we checked, you were working for employment here, doing sort of payroll implementation. Is that right? Perfect. I know we've just gone past tax season. I think we had you at about a 110,000. Has that changed much? Yeah. Yeah. Absolutely. So just a bit of a 2% bump up from that base salary. It's okay. So 112,200. I'll add that in there. How are you going with, obviously, the cost of living and everything in terms of budgeting and and savings? I know it's, well, it's a bit rough at the moment. Yeah. Absolutely. In terms of the assets and liabilities, so we had your motor vehicle listed down, no car loan, and then just the mortgage. Not sure if you know off the top of your head, but it was 462,000 owing last time. Have you paid much of that off? Yes. $4.40. No worries. And no other loans or assets outside of that? Perfect. And I know it's a bit hard to do property values at the moment just because the market's kind of going up and down. I'm just gonna do a quick online check. I think we had you at about eight hundred thousand. They are saying online that you're possibly up to about 1,000,000 in value. Yeah. The home value. Cool. Perfect. I'll go with that for the time being. Obviously, there may be some changes the next six months if what's going on in the market. The last things I'll update is just in terms of estate planning. We don't believe you'd put a will in place last time we spoke. Yeah. So there's a few options. We we do link up with some solicitors that do online wills for... With a discount if you might find that helpful. Oh, I'll I'll have to get the up to date figures, but I think it could be somewhere between $4.04 to 600. I do know they have government approved wheel kits at the post office, which are more basic, but they're about $25 a pop for that. So they've got some instructions on, you know, registering wills with the state. They... They're government approved. They're just very basic. That's all. Perfect. And in terms of the beneficiary nominations, we've got James listed as beneficiary for the super, for the life insurance, so that's all still okay to leave as is. So the the bit that you've gotta be careful on, so there's two ways that people normally do it. The more foolproof way of doing it is, let's say, you put in place a a will, and for example, you can do, like, a testamentary trust will where if you pass away, it opens up a trust fund for for your son. It'll then allow you to direct your super... Your life insurance into your estate to be distributed that way. That's the the most foolproof way. The second option is if you do directly nominate a child, if they receive the funds while they're under 18, you just have to understand that whoever their guardian is will essentially be in control of the money. So would you like to update that and do a bit of a split between the two, or would you prefer to kind of leave as is and maybe go for the wheel route down the line? Where would you lean? Mhmm. Yeah. Yes. Yeah. Yeah. And it's a it's a big thing too because let's say, you know, there's almost $240,000 sitting in super at the moment. And then on top of that, you've got over $500,000 worth of life insurance too. So it's quite a bit of funds to make sure that, you know, if it comes out and pays off the mortgage and then is is looked after for them, it's definitely worth investigating. As soon as you do put something like that in place, we can always update the beneficiary nominations as well. Cool. Outside of that, so just speaking about that that insurance for a quick moment. I mentioned 551,000 of life and disability insurance. That will obviously pay off the mortgage, leave about 300,000 leftover of insurance and super. Just wondering how you're feeling about that amount, that scenario, if that sounds appropriate for you. Yep. And that's the thing too is we can, you know, increase it so that there's this really good looking after, but then the premiums increase and it slows down the super. So I need to balance the two. Perfect. One thing I'll quickly run by you is you don't have trauma insurance. You've got life disability and income protection. Just to let you know that there is a type of insurance you can pay out of pocket for, like, a lump sum if you do have a heart attack, stroke, or cancer. Typically, you know, a $100,000 to help with hotels and medical costs and things like that. If you ever get to a point where you do have the spare cash flow, I can do a quote for you. If cash flow is tight, I just wanted to let you know it does exist as an option. Yeah. Yeah. Trauma is the fourth type for that specific scenario. Yes. So you have 5,170 a month worth of cover. So think of it as a little bit over maybe 1,200 a week after tax would be paid out if you were ill or injured for more than a month off work. No. You're more than okay. So the benefit period is five years, like, per claim. So if you were injured and ill for up to five years, it could pay you out. If you get to the point where, obviously, you know, five years, generally, if you're not going back to work after that, you would do a TPD claim for that 500,000 lump sum on top. So for e... No. You're okay. So for income protection, if you're off work for thirty days and it looks like you're not going back to work for a period of time, you can launch a claim straight away. And then once the thirty days has elapsed, they can start the, you know, back paying the payments to thirty days and onwards. For TPD, it's definition based. So if your doctor was to say you're unlikely to ever return to work in any occupation you're reasonably suited to, then you could theoretically launch a TPD claim as well. Cool. Premiums for those, they're sitting at 2,600 out of the super. There's a 15% rebate that dropped to 2,200. So it's not too large of a cost right now, but I will let you know that once you hit over the fifties, it can start to accelerate. So as you pay down the mortgage, we're gonna have to possibly trim the cover down just so it doesn't jump up to, you know, 5,000, 8,000, $10,000 a year. Cool. So we'll keep this one in place for the time being. If there's anything that happens where you feel like you need to claim, please give us a call. We can help you with the claim itself and provide claims advice as well. So we'll just do our best to kind of make it easier to go through the process and paperwork together. Cool. Alright. Any other questions on the insurance before I jump into the super? Perfect. Now with the super... So since you've come on board, I'm having a look. It's kind of been that three year mark, so to speak. You've had 8% worth of returns since you've come on board, which for your growth risk profile, which is kinda like a four out of five on the risk scale, you're aiming at an average of, say, 9% per annum is your benchmark. You've achieved a little over 12% after fees since you've become a client of. So what I'm sort of thinking in terms of of next steps, because you've been growth, you've got 80% of your funds in, say, shares and property and gold, like growth assets, 20% in the safer side of things. Does that make sense? Yep. So the options that you've got is you can... You've... Because you're on the 6 figure income, you've got good contributions coming in, not too much in fees. We can kind of let it grow as a as a growth fund and kind of revisit reducing the risk when you're close to retirement. So you obviously don't wanna stay growth to the age of 65, and then you lose a third of it a year before you go to live off of it, if that makes sense. Yep. Now growth is usually recommended to have a minimum time frame of eight years. You've still got fourteen years until preservation age at 60, so we still do have a lot of time up our sleeve. I probably wouldn't... Unless you were really itching to try and increase the returns, I probably wouldn't look at increasing your risk level at this point just given what's going on in the world. The markets are going up and down like crazy. And if we went up to, like, a high growth, you may get a couple of percent more returns, but then also you could be talking to me next year and be sitting at a 180,000 in the super. Cool. I will ask the question around contributions if you wanted to look at any salary sacrifice to super, but I know you've got a lot going on at the moment. So I did just wanna pose the Yeah. Yep. Yes. No. That's totally fine. I'll give you an updated projection here for the super. Just a bit of a... Bear in mind, this is very rough figures, but I wanna give you just a little bit of reassurance with where things are going. So if I put in your updated salary, we've got 12% contributions now. A little bit of tax comes off of those, so I'll just add in 11,424 a year of contributions. Now if you go as a growth fund, let's say, for the next fourteen years with your current salary, you could still creep up towards 900,000, possibly 1,000,000 by the age of 60 and easily be producing 50 to $75,000 a year worth of tax free income. Yeah. So you're not behind for your age, but you're also getting good returns to the point where, you know, that would last a good twenty five years or more if you, you know, conservatively pulled funds out, went on a few holidays, things like that. Even if you pulled out more, it would still last for quite a while. If that depletes below 600,000, you get the age pension. We'll top you up a little bit too. So you're in a very good trajectory as it is without worrying about having to try and push more money into it or take on more risk. K? There is one thing I will keep an eye on, which is just in terms of your investments. Pretty much all of them have done fantastic. There is one option in particular that has been kind of lagging the Australian market, a Benelon option that I would like to keep an eye on. If that doesn't kind of pick up its feet next year, I'll probably have to replace that one. And there's also some term deposits called bank hybrids that the government is phasing out the next couple of years. We'll probably jump on replacing that one next year as well. It's called Benelong. Yeah. So you'll hear that name from me next time we talk and and pretty much in the reports you'll be able to see. Everything is is growing really well. You've got your, you know, battery tech and lithium, which is like your electric vehicles has jumped up quite a bit, but that's the one to sort of keep an eye on. I don't see any reason to kind of overhaul anything at this point. But if it's okay for you, I would like to maybe put in a bit of a catch up in the new year just to see how it's going. If it's still doing what it's currently doing, I'll just do a portfolio update for you. Perfect. Alrighty. Do you have any questions so far? Cool. I do have a bit of extra good news as well. So with Oakview, that pack that I sent out for you does have a consent form for our services if you're happy to remain a client. We have just released some discounts. So normally, you'd be paying, like, point 65%, that kind of thing. But for everyone above 200,000, which you fall into that category, we do reduce the percentage of the fee. And then once you're above 500,000, there's a further discount as well. So that's just kind of what's in that pack there. If you're happy to sign off on that, we'll apply the new consent structure to Hub twenty four and apply those discounts. Amazing. Outside of that, is there anything you feel you you could use this side of Christmas? Anything you would like me to look into for you or touch base on? Cool. Look. If anything does deteriorate quicker and you feel like you need someone to talk to or a few ideas or tips on how to manage the finances with any major changes, please give us a call. I can walk you through a few ideas, kind of analyze the... Things a bit with you, and see if there's any options to assist. Amazing. Thank you for yours, Rhianna. Thank you so much for calling back in. I'll leave that DocuSign with you. It's with our new Odoo system. So if you have any trouble with it, just give the team a call. They can walk you through it. You too. Talk to you again soon. 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morning, Rhianna. You're through to Tommy, senior adviser. Thank you so much for calling back in. I'm doing fantastic. It is a beautiful Friday.\n\nHow are you doing? No. That's totally fair enough. It's... The the season kind of affects us all.\n\nDo you... Are you still okay to kind of go through a bit of an annual review with me this morning? Perfect. I won't try to get you to use your voice too much, but there's obviously a few things that I need to run by you. Just get your your thoughts on too.\n\nI have an annual review pack that I'm gonna send through to your Gmail address. Will you be able to look onto it with me today, or should I just kind of walk you through what I'm sending? That's totally fine. So what I was thinking for today is I was just gonna update a few of your details just with our new system. And what I've sent through to you is essentially just a bit of a summary on how the super has been going, a certificate for your insurances, and some updated service guides with Oakview and consent forms.\n\nCool. Now is there anything in particular you're hoping to get out of this year's review? Perfect. Just give you a bit of a general update. Any questions you do have, I'll do my best to answer.\n\nAnd if there's any advice that we need to do, I'll kind of walk you through some steps. Cool. Now in terms of overall goals, just to kind of catch up on things, most of what I'm kind of seeing on your file is really just to focus on, obviously, growing the super for retirement and then just kind of building your savings, paying down the mortgage. Does that sound about right? Perfect.\n\nAnything else that you're working on in the next one to three years? Perfect. We've got the address that we updated that. That's perfect. We have you married with no dependents.\n\nIs that correct? One child. Are they under or over 18? Under. Perfect.\n\nIn terms of the the occupation, so last time we checked, you were working for employment here, doing sort of payroll implementation. Is that right? Perfect. I know we've just gone past tax season. I think we had you at about a 110,000.\n\nHas that changed much? Yeah. Yeah. Absolutely. So just a bit of a 2% bump up from that base salary.\n\nIt's okay. So 112,200. I'll add that in there. How are you going with, obviously, the cost of living and everything in terms of budgeting and and savings? I know it's, well, it's a bit rough at the moment.\n\nYeah. Absolutely. In terms of the assets and liabilities, so we had your motor vehicle listed down, no car loan, and then just the mortgage. Not sure if you know off the top of your head, but it was 462,000 owing last time. Have you paid much of that off?\n\nYes. $4.40. No worries. And no other loans or assets outside of that? Perfect.\n\nAnd I know it's a bit hard to do property values at the moment just because the market's kind of going up and down. I'm just gonna do a quick online check. I think we had you at about eight hundred thousand. They are saying online that you're possibly up to about 1,000,000 in value. Yeah.\n\nThe home value. Cool. Perfect. I'll go with that for the time being. Obviously, there may be some changes the next six months if what's going on in the market.\n\nThe last things I'll update is just in terms of estate planning. We don't believe you'd put a will in place last time we spoke. Yeah. So there's a few options. We we do link up with some solicitors that do online wills for...\n\nWith a discount if you might find that helpful. Oh, I'll I'll have to get the up to date figures, but I think it could be somewhere between $4.04 to 600. I do know they have government approved wheel kits at the post office, which are more basic, but they're about $25 a pop for that. So they've got some instructions on, you know, registering wills with the state. They...\n\nThey're government approved. They're just very basic. That's all. Perfect. And in terms of the beneficiary nominations, we've got James listed as beneficiary for the super, for the life insurance, so that's all still okay to leave as is.\n\nSo the the bit that you've gotta be careful on, so there's two ways that people normally do it. The more foolproof way of doing it is, let's say, you put in place a a will, and for example, you can do, like, a testamentary trust will where if you pass away, it opens up a trust fund for for your son. It'll then allow you to direct your super... Your life insurance into your estate to be distributed that way. That's the the most foolproof way.\n\nThe second option is if you do directly nominate a child, if they receive the funds while they're under 18, you just have to understand that whoever their guardian is will essentially be in control of the money. So would you like to update that and do a bit of a split between the two, or would you prefer to kind of leave as is and maybe go for the wheel route down the line? Where would you lean? Mhmm. Yeah.\n\nYes. Yeah. Yeah. And it's a it's a big thing too because let's say, you know, there's almost $240,000 sitting in super at the moment. And then on top of that, you've got over $500,000 worth of life insurance too.\n\nSo it's quite a bit of funds to make sure that, you know, if it comes out and pays off the mortgage and then is is looked after for them, it's definitely worth investigating. As soon as you do put something like that in place, we can always update the beneficiary nominations as well. Cool. Outside of that, so just speaking about that that insurance for a quick moment. I mentioned 551,000 of life and disability insurance.\n\nThat will obviously pay off the mortgage, leave about 300,000 leftover of insurance and super. Just wondering how you're feeling about that amount, that scenario, if that sounds appropriate for you. Yep. And that's the thing too is we can, you know, increase it so that there's this really good looking after, but then the premiums increase and it slows down the super. So I need to balance the two.\n\nPerfect. One thing I'll quickly run by you is you don't have trauma insurance. You've got life disability and income protection. Just to let you know that there is a type of insurance you can pay out of pocket for, like, a lump sum if you do have a heart attack, stroke, or cancer. Typically, you know, a $100,000 to help with hotels and medical costs and things like that.\n\nIf you ever get to a point where you do have the spare cash flow, I can do a quote for you. If cash flow is tight, I just wanted to let you know it does exist as an option. Yeah. Yeah. Trauma is the fourth type for that specific scenario.\n\nYes. So you have 5,170 a month worth of cover. So think of it as a little bit over maybe 1,200 a week after tax would be paid out if you were ill or injured for more than a month off work. No. You're more than okay.\n\nSo the benefit period is five years, like, per claim. So if you were injured and ill for up to five years, it could pay you out. If you get to the point where, obviously, you know, five years, generally, if you're not going back to work after that, you would do a TPD claim for that 500,000 lump sum on top. So for e... No.\n\nYou're okay. So for income protection, if you're off work for thirty days and it looks like you're not going back to work for a period of time, you can launch a claim straight away. And then once the thirty days has elapsed, they can start the, you know, back paying the payments to thirty days and onwards. For TPD, it's definition based. So if your doctor was to say you're unlikely to ever return to work in any occupation you're reasonably suited to, then you could theoretically launch a TPD claim as well.\n\nCool. Premiums for those, they're sitting at 2,600 out of the super. There's a 15% rebate that dropped to 2,200. So it's not too large of a cost right now, but I will let you know that once you hit over the fifties, it can start to accelerate. So as you pay down the mortgage, we're gonna have to possibly trim the cover down just so it doesn't jump up to, you know, 5,000, 8,000, $10,000 a year.\n\nCool. So we'll keep this one in place for the time being. If there's anything that happens where you feel like you need to claim, please give us a call. We can help you with the claim itself and provide claims advice as well. So we'll just do our best to kind of make it easier to go through the process and paperwork together.\n\nCool. Alright. Any other questions on the insurance before I jump into the super? Perfect. Now with the super...\n\nSo since you've come on board, I'm having a look. It's kind of been that three year mark, so to speak. You've had 8% worth of returns since you've come on board, which for your growth risk profile, which is kinda like a four out of five on the risk scale, you're aiming at an average of, say, 9% per annum is your benchmark. You've achieved a little over 12% after fees since you've become a client of. So what I'm sort of thinking in terms of of next steps, because you've been growth, you've got 80% of your funds in, say, shares and property and gold, like growth assets, 20% in the safer side of things.\n\nDoes that make sense? Yep. So the options that you've got is you can... You've... Because you're on the 6 figure income, you've got good contributions coming in, not too much in fees.\n\nWe can kind of let it grow as a as a growth fund and kind of revisit reducing the risk when you're close to retirement. So you obviously don't wanna stay growth to the age of 65, and then you lose a third of it a year before you go to live off of it, if that makes sense. Yep. Now growth is usually recommended to have a minimum time frame of eight years. You've still got fourteen years until preservation age at 60, so we still do have a lot of time up our sleeve.\n\nI probably wouldn't... Unless you were really itching to try and increase the returns, I probably wouldn't look at increasing your risk level at this point just given what's going on in the world. The markets are going up and down like crazy. And if we went up to, like, a high growth, you may get a couple of percent more returns, but then also you could be talking to me next year and be sitting at a 180,000 in the super. Cool.\n\nI will ask the question around contributions if you wanted to look at any salary sacrifice to super, but I know you've got a lot going on at the moment. So I did just wanna pose the Yeah. Yep. Yes. No.\n\nThat's totally fine. I'll give you an updated projection here for the super. Just a bit of a... Bear in mind, this is very rough figures, but I wanna give you just a little bit of reassurance with where things are going. So if I put in your updated salary, we've got 12% contributions now.\n\nA little bit of tax comes off of those, so I'll just add in 11,424 a year of contributions. Now if you go as a growth fund, let's say, for the next fourteen years with your current salary, you could still creep up towards 900,000, possibly 1,000,000 by the age of 60 and easily be producing 50 to $75,000 a year worth of tax free income. Yeah. So you're not behind for your age, but you're also getting good returns to the point where, you know, that would last a good twenty five years or more if you, you know, conservatively pulled funds out, went on a few holidays, things like that. Even if you pulled out more, it would still last for quite a while.\n\nIf that depletes below 600,000, you get the age pension. We'll top you up a little bit too. So you're in a very good trajectory as it is without worrying about having to try and push more money into it or take on more risk. K? There is one thing I will keep an eye on, which is just in terms of your investments.\n\nPretty much all of them have done fantastic. There is one option in particular that has been kind of lagging the Australian market, a Benelon option that I would like to keep an eye on. If that doesn't kind of pick up its feet next year, I'll probably have to replace that one. And there's also some term deposits called bank hybrids that the government is phasing out the next couple of years. We'll probably jump on replacing that one next year as well.\n\nIt's called Benelong. Yeah. So you'll hear that name from me next time we talk and and pretty much in the reports you'll be able to see. Everything is is growing really well. You've got your, you know, battery tech and lithium, which is like your electric vehicles has jumped up quite a bit, but that's the one to sort of keep an eye on.\n\nI don't see any reason to kind of overhaul anything at this point. But if it's okay for you, I would like to maybe put in a bit of a catch up in the new year just to see how it's going. If it's still doing what it's currently doing, I'll just do a portfolio update for you. Perfect. Alrighty.\n\nDo you have any questions so far? Cool. I do have a bit of extra good news as well. So with Oakview, that pack that I sent out for you does have a consent form for our services if you're happy to remain a client. We have just released some discounts.\n\nSo normally, you'd be paying, like, point 65%, that kind of thing. But for everyone above 200,000, which you fall into that category, we do reduce the percentage of the fee. And then once you're above 500,000, there's a further discount as well. So that's just kind of what's in that pack there. If you're happy to sign off on that, we'll apply the new consent structure to Hub twenty four and apply those discounts.\n\nAmazing. Outside of that, is there anything you feel you you could use this side of Christmas? Anything you would like me to look into for you or touch base on? Cool. Look.\n\nIf anything does deteriorate quicker and you feel like you need someone to talk to or a few ideas or tips on how to manage the finances with any major changes, please give us a call. I can walk you through a few ideas, kind of analyze the... Things a bit with you, and see if there's any options to assist. Amazing. Thank you for yours, Rhianna.\n\nThank you so much for calling back in. I'll leave that DocuSign with you. It's with our new Odoo system. So if you have any trouble with it, just give the team a call. They can walk you through it.\n\nYou too. Talk to you again soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Rhianna.","start":2.0,"end":3.04,"sentiment":"positive","sentiment_score":0.3969542880853017},{"text":"You're through to Tommy, senior adviser.","start":3.04,"end":4.96,"sentiment":"neutral","sentiment_score":0.2919451793034871},{"text":"Thank you so much for calling back in.","start":4.96,"end":6.8199997,"sentiment":"positive","sentiment_score":0.6858780086040497},{"text":"I'm doing fantastic.","start":9.12,"end":10.34,"sentiment":"positive","sentiment_score":0.7632537484169006},{"text":"It is a beautiful Friday.","start":10.4,"end":11.5199995,"sentiment":"positive","sentiment_score":0.7333293557167053}],"sentiment":"positive","sentiment_score":0.5754386413097382,"num_words":25,"start":2.0,"end":11.5199995},{"sentences":[{"text":"How are you doing?","start":11.5199995,"end":12.255,"sentiment":"positive","sentiment_score":0.42475930601358414},{"text":"No.","start":22.494999,"end":22.735,"sentiment":"neutral","sentiment_score":-0.14863181114196777},{"text":"That's totally fair enough.","start":22.735,"end":23.935,"sentiment":"neutral","sentiment_score":-0.10528953932225704},{"text":"It's...","start":23.935,"end":24.435,"sentiment":"neutral","sentiment_score":-0.04746851325035095},{"text":"The the season kind of affects us all.","start":25.215,"end":27.66,"sentiment":"neutral","sentiment_score":-0.13608860410749912}],"sentiment":"neutral","sentiment_score":-0.00038500502705574036,"num_words":18,"start":11.5199995,"end":27.66},{"sentences":[{"text":"Do you...","start":28.38,"end":28.86,"sentiment":"neutral","sentiment_score":-0.05852435529232025},{"text":"Are you still okay to kind of go through a bit of an annual review with me this morning?","start":28.86,"end":32.16,"sentiment":"neutral","sentiment_score":0.008331814241644583},{"text":"Perfect.","start":34.14,"end":34.64,"sentiment":"positive","sentiment_score":0.3420692980289459},{"text":"I won't try to get you to use your voice too much, but there's obviously a few things that I need to run by you.","start":34.94,"end":39.44,"sentiment":"neutral","sentiment_score":0.11631748884916306},{"text":"Just get your your thoughts on too.","start":40.285,"end":42.305,"sentiment":"neutral","sentiment_score":0.12699236827237265}],"sentiment":"neutral","sentiment_score":0.07741127513280069,"num_words":54,"start":28.38,"end":42.305},{"sentences":[{"text":"I have an annual review pack that I'm gonna send through to your Gmail address.","start":43.325,"end":47.825,"sentiment":"neutral","sentiment_score":0.12074675063292185},{"text":"Will you be able to look onto it with me today, or should I just kind of walk you through what I'm sending?","start":48.045,"end":62.27,"sentiment":"neutral","sentiment_score":0.08819045450376428},{"text":"That's totally fine.","start":62.33,"end":63.61,"sentiment":"neutral","sentiment_score":0.057295714815457664},{"text":"So what I was thinking for today is I was just gonna update a few of your details just with our new system.","start":63.61,"end":69.435,"sentiment":"neutral","sentiment_score":0.09839057566031166},{"text":"And what I've sent through to you is essentially just a bit of a summary on how the super has been going, a certificate for your insurances, and some updated service guides with Oakview and consent forms.","start":69.895,"end":84.74,"sentiment":"neutral","sentiment_score":0.12101469420500703}],"sentiment":"neutral","sentiment_score":0.10645540379504166,"num_words":101,"start":43.325,"end":84.74},{"sentences":[{"text":"Cool.","start":84.96,"end":85.46,"sentiment":"neutral","sentiment_score":0.18011751770973206},{"text":"Now is there anything in particular you're hoping to get out of this year's review?","start":85.520004,"end":88.98,"sentiment":"neutral","sentiment_score":0.0984577422340711},{"text":"Perfect.","start":99.375,"end":99.875,"sentiment":"neutral","sentiment_score":0.21269844472408295},{"text":"Just give you a bit of a general update.","start":99.935,"end":101.535,"sentiment":"neutral","sentiment_score":0.17681077867746353},{"text":"Any questions you do have, I'll do my best to answer.","start":101.535,"end":104.035,"sentiment":"neutral","sentiment_score":0.11851131441918286}],"sentiment":"neutral","sentiment_score":0.12877306926089363,"num_words":37,"start":84.96,"end":104.035},{"sentences":[{"text":"And if there's any advice that we need to do, I'll kind of walk you through some steps.","start":104.095,"end":107.795,"sentiment":"neutral","sentiment_score":0.08943777821130222},{"text":"Cool.","start":109.055,"end":109.555,"sentiment":"neutral","sentiment_score":0.01623329147696495},{"text":"Now in terms of overall goals, just to kind of catch up on things, most of what I'm kind of seeing on your file is really just to focus on, obviously, growing the super for retirement and then just kind of building your savings, paying down the mortgage.","start":109.810005,"end":124.385,"sentiment":"neutral","sentiment_score":0.17605770790639022},{"text":"Does that sound about right?","start":124.385,"end":125.685,"sentiment":"neutral","sentiment_score":0.12051789611577987},{"text":"Perfect.","start":127.185,"end":127.585,"sentiment":"positive","sentiment_score":0.5827138423919678}],"sentiment":"neutral","sentiment_score":0.15427652879120551,"num_words":73,"start":104.095,"end":127.585},{"sentences":[{"text":"Anything else that you're working on in the next one to three years?","start":127.585,"end":130.805,"sentiment":"neutral","sentiment_score":0.2192342201104531},{"text":"Perfect.","start":134.945,"end":135.445,"sentiment":"positive","sentiment_score":0.38114655017852783},{"text":"We've got the address that we updated that.","start":136.46,"end":140.38,"sentiment":"neutral","sentiment_score":0.27940684743225574},{"text":"That's perfect.","start":140.38,"end":141.2,"sentiment":"positive","sentiment_score":0.4755583107471466},{"text":"We have you married with no dependents.","start":142.06,"end":145.1,"sentiment":"neutral","sentiment_score":0.09508787095546722}],"sentiment":"neutral","sentiment_score":0.22848960997596865,"num_words":31,"start":127.585,"end":145.1},{"sentences":[{"text":"Is that correct?","start":145.1,"end":145.84,"sentiment":"neutral","sentiment_score":0.10535991936922073},{"text":"One child.","start":149.18001,"end":150.0,"sentiment":"neutral","sentiment_score":0.0232887240126729},{"text":"Are they under or over 18?","start":150.58499,"end":152.36499,"sentiment":"neutral","sentiment_score":0.024960231656829517},{"text":"Under.","start":154.105,"end":154.605,"sentiment":"neutral","sentiment_score":0.05128202587366104},{"text":"Perfect.","start":155.465,"end":155.965,"sentiment":"neutral","sentiment_score":0.23918798565864563}],"sentiment":"neutral","sentiment_score":0.061760662123560905,"num_words":13,"start":145.1,"end":155.965},{"sentences":[{"text":"In terms of the the occupation, so last time we checked, you were working for employment here, doing sort of payroll implementation.","start":156.665,"end":166.42,"sentiment":"neutral","sentiment_score":0.06934720430184495},{"text":"Is that right?","start":166.64,"end":167.45999,"sentiment":"neutral","sentiment_score":0.10122917344172795},{"text":"Perfect.","start":169.68,"end":170.18,"sentiment":"neutral","sentiment_score":0.26918938755989075},{"text":"I know we've just gone past tax season.","start":170.4,"end":172.34,"sentiment":"neutral","sentiment_score":0.040531355887651443},{"text":"I think we had you at about a 110,000.","start":172.4,"end":175.04,"sentiment":"neutral","sentiment_score":0.02826115737358729}],"sentiment":"neutral","sentiment_score":0.06225852711602699,"num_words":43,"start":156.665,"end":175.04},{"sentences":[{"text":"Has that changed much?","start":175.04,"end":176.26,"sentiment":"neutral","sentiment_score":0.020237615332007408},{"text":"Yeah.","start":180.55501,"end":181.05501,"sentiment":"neutral","sentiment_score":0.015402134507894516},{"text":"Yeah.","start":182.71501,"end":183.195,"sentiment":"neutral","sentiment_score":0.04225722700357437},{"text":"Absolutely.","start":183.195,"end":183.695,"sentiment":"neutral","sentiment_score":0.08322685956954956},{"text":"So just a bit of a 2% bump up from that base salary.","start":183.835,"end":187.29501,"sentiment":"neutral","sentiment_score":0.052184791590731874}],"sentiment":"neutral","sentiment_score":0.045011948654428126,"num_words":20,"start":175.04,"end":187.29501},{"sentences":[{"text":"It's okay.","start":191.96,"end":192.70001,"sentiment":"neutral","sentiment_score":0.07402094453573227},{"text":"So 112,200.","start":192.84001,"end":195.90001,"sentiment":"neutral","sentiment_score":0.044707586988806725},{"text":"I'll add that in there.","start":196.52,"end":197.90001,"sentiment":"neutral","sentiment_score":0.05737171471118927},{"text":"How are you going with, obviously, the cost of living and everything in terms of budgeting and and savings?","start":198.68001,"end":203.16,"sentiment":"neutral","sentiment_score":0.03570669163998805},{"text":"I know it's, well, it's a bit rough at the moment.","start":203.16,"end":216.935,"sentiment":"neutral","sentiment_score":-0.11416481367566368}],"sentiment":"neutral","sentiment_score":-0.0013607736581411128,"num_words":39,"start":191.96,"end":216.935},{"sentences":[{"text":"Yeah.","start":216.935,"end":217.41501,"sentiment":"neutral","sentiment_score":-0.04017072543501854},{"text":"Absolutely.","start":217.41501,"end":217.91501,"sentiment":"neutral","sentiment_score":0.005048051476478577},{"text":"In terms of the assets and liabilities, so we had your motor vehicle listed down, no car loan, and then just the mortgage.","start":219.06999,"end":225.65,"sentiment":"neutral","sentiment_score":-0.001730403660432152},{"text":"Not sure if you know off the top of your head, but it was 462,000 owing last time.","start":226.59,"end":231.525,"sentiment":"neutral","sentiment_score":-0.05930636326471964},{"text":"Have you paid much of that off?","start":231.525,"end":233.385,"sentiment":"neutral","sentiment_score":-0.02530713379383087}],"sentiment":"neutral","sentiment_score":-0.026391728669404983,"num_words":50,"start":216.935,"end":233.385},{"sentences":[{"text":"Yes.","start":233.845,"end":234.345,"sentiment":"neutral","sentiment_score":0.013446051627397535},{"text":"$4.40.","start":238.64499,"end":239.465,"sentiment":"neutral","sentiment_score":0.009641719050705431},{"text":"No worries.","start":239.525,"end":240.345,"sentiment":"neutral","sentiment_score":0.012230655178427696},{"text":"And no other loans or assets outside of that?","start":240.965,"end":244.825,"sentiment":"neutral","sentiment_score":-0.046100488760405116},{"text":"Perfect.","start":246.51001,"end":247.01001,"sentiment":"neutral","sentiment_score":0.0047175223007798195}],"sentiment":"neutral","sentiment_score":-0.025902699679136276,"num_words":14,"start":233.845,"end":247.01001},{"sentences":[{"text":"And I know it's a bit hard to do property values at the moment just because the market's kind of going up and down.","start":247.07,"end":253.25,"sentiment":"neutral","sentiment_score":-0.18795020040124655},{"text":"I'm just gonna do a quick online check.","start":253.31,"end":256.21002,"sentiment":"neutral","sentiment_score":-0.0039330353029072285},{"text":"I think we had you at about eight hundred thousand.","start":256.75,"end":259.17,"sentiment":"neutral","sentiment_score":-0.007751826569437981},{"text":"They are saying online that you're possibly up to about 1,000,000 in value.","start":260.335,"end":263.555,"sentiment":"neutral","sentiment_score":-0.02734307959102667},{"text":"Yeah.","start":266.095,"end":266.41498,"sentiment":"neutral","sentiment_score":0.001958167180418968}],"sentiment":"neutral","sentiment_score":-0.08880873616518718,"num_words":56,"start":247.07,"end":266.41498},{"sentences":[{"text":"The home value.","start":266.41498,"end":267.395,"sentiment":"neutral","sentiment_score":-0.013732856760422388},{"text":"Cool.","start":281.15,"end":281.65,"sentiment":"neutral","sentiment_score":0.14913761615753174},{"text":"Perfect.","start":283.47,"end":283.97,"sentiment":"positive","sentiment_score":0.6978572607040405},{"text":"I'll go with that for the time being.","start":284.03,"end":285.765,"sentiment":"positive","sentiment_score":0.4923844523727894},{"text":"Obviously, there may be some changes the next six months if what's going on in the market.","start":286.24503,"end":290.505,"sentiment":"neutral","sentiment_score":0.022090032696723938}],"sentiment":"neutral","sentiment_score":0.17068008271356425,"num_words":30,"start":266.41498,"end":290.505},{"sentences":[{"text":"The last things I'll update is just in terms of estate planning.","start":293.605,"end":297.46503,"sentiment":"neutral","sentiment_score":-0.08469820736596982},{"text":"We don't believe you'd put a will in place last time we spoke.","start":297.765,"end":311.32,"sentiment":"neutral","sentiment_score":-0.14145406794089538},{"text":"Yeah.","start":311.32,"end":311.63998,"sentiment":"neutral","sentiment_score":0.005265457555651665},{"text":"So there's a few options.","start":311.63998,"end":312.86,"sentiment":"neutral","sentiment_score":0.01950741708278656},{"text":"We we do link up with some solicitors that do online wills for...","start":315.08,"end":319.17502,"sentiment":"neutral","sentiment_score":0.018470086085681733}],"sentiment":"neutral","sentiment_score":-0.05709926612590524,"num_words":44,"start":293.605,"end":319.17502},{"sentences":[{"text":"With a discount if you might find that helpful.","start":319.17502,"end":321.595,"sentiment":"neutral","sentiment_score":0.08102183623446359},{"text":"Oh, I'll I'll have to get the up to date figures, but I think it could be somewhere between $4.04 to 600.","start":328.055,"end":335.24,"sentiment":"neutral","sentiment_score":-0.007229705036892979},{"text":"I do know they have government approved wheel kits at the post office, which are more basic, but they're about $25 a pop for that.","start":336.9,"end":346.035,"sentiment":"neutral","sentiment_score":0.021961558684706686},{"text":"So they've got some instructions on, you know, registering wills with the state.","start":355.395,"end":359.43,"sentiment":"neutral","sentiment_score":0.016167768420508273},{"text":"They...","start":360.15,"end":360.47,"sentiment":"neutral","sentiment_score":0.007344421930611134}],"sentiment":"neutral","sentiment_score":0.019095819911620182,"num_words":70,"start":319.17502,"end":360.47},{"sentences":[{"text":"They're government approved.","start":360.47,"end":361.59,"sentiment":"neutral","sentiment_score":0.06691520536939304},{"text":"They're just very basic.","start":361.59,"end":362.63,"sentiment":"neutral","sentiment_score":0.06179989594966173},{"text":"That's all.","start":362.63,"end":368.88998,"sentiment":"neutral","sentiment_score":0.08271118067204952},{"text":"Perfect.","start":371.99,"end":372.49,"sentiment":"positive","sentiment_score":0.508858323097229},{"text":"And in terms of the beneficiary nominations, we've got James listed as beneficiary for the super, for the life insurance, so that's all still okay to leave as is.","start":375.065,"end":384.125,"sentiment":"neutral","sentiment_score":0.17632944445157872}],"sentiment":"neutral","sentiment_score":0.15989178906266505,"num_words":39,"start":360.47,"end":384.125},{"sentences":[{"text":"So the the bit that you've gotta be careful on, so there's two ways that people normally do it.","start":418.15,"end":422.89,"sentiment":"neutral","sentiment_score":-0.0923088543901318},{"text":"The more foolproof way of doing it is, let's say, you put in place a a will, and for example, you can do, like, a testamentary trust will where if you pass away, it opens up a trust fund for for your son.","start":423.03,"end":438.465,"sentiment":"neutral","sentiment_score":0.26101178502620653},{"text":"It'll then allow you to direct your super...","start":440.04498,"end":442.96,"sentiment":"neutral","sentiment_score":0.21847481094300747},{"text":"Your life insurance into your estate to be distributed that way.","start":443.02,"end":447.26,"sentiment":"positive","sentiment_score":0.3416807001287287},{"text":"That's the the most foolproof way.","start":447.26,"end":449.68,"sentiment":"positive","sentiment_score":0.37797678510348004}],"sentiment":"neutral","sentiment_score":0.19820443014132566,"num_words":87,"start":418.15,"end":449.68},{"sentences":[{"text":"The second option is if you do directly nominate a child, if they receive the funds while they're under 18, you just have to understand that whoever their guardian is will essentially be in control of the money.","start":449.98,"end":462.295,"sentiment":"neutral","sentiment_score":0.20089174395329074},{"text":"So would you like to update that and do a bit of a split between the two, or would you prefer to kind of leave as is and maybe go for the wheel route down the line?","start":465.075,"end":473.32,"sentiment":"neutral","sentiment_score":0.08215720176294043},{"text":"Where would you lean?","start":473.54,"end":474.6,"sentiment":"neutral","sentiment_score":-0.015041282400488853},{"text":"Mhmm.","start":480.9,"end":481.4,"sentiment":"neutral","sentiment_score":-0.2039642632007599},{"text":"Yeah.","start":483.46,"end":483.795,"sentiment":"neutral","sentiment_score":-0.17781437933444977}],"sentiment":"neutral","sentiment_score":0.1263180118927985,"num_words":81,"start":449.98,"end":483.795},{"sentences":[{"text":"Yes.","start":508.05,"end":508.365,"sentiment":"neutral","sentiment_score":-0.007698729634284973},{"text":"Yeah.","start":515.885,"end":516.385,"sentiment":"neutral","sentiment_score":-0.08620663732290268},{"text":"Yeah.","start":521.39,"end":521.71,"sentiment":"neutral","sentiment_score":-0.030047738924622536},{"text":"And it's a it's a big thing too because let's say, you know, there's almost $240,000 sitting in super at the moment.","start":521.71,"end":529.31,"sentiment":"neutral","sentiment_score":-0.0655746388841759},{"text":"And then on top of that, you've got over $500,000 worth of life insurance too.","start":529.31,"end":534.47504,"sentiment":"neutral","sentiment_score":-0.017594859066108862}],"sentiment":"neutral","sentiment_score":-0.045762951183132825,"num_words":40,"start":508.05,"end":534.47504},{"sentences":[{"text":"So it's quite a bit of funds to make sure that, you know, if it comes out and pays off the mortgage and then is is looked after for them, it's definitely worth investigating.","start":534.47504,"end":543.935,"sentiment":"neutral","sentiment_score":0.04610879086505841},{"text":"As soon as you do put something like that in place, we can always update the beneficiary nominations as well.","start":544.395,"end":550.57,"sentiment":"neutral","sentiment_score":0.13246934227645396},{"text":"Cool.","start":552.95,"end":553.45,"sentiment":"positive","sentiment_score":0.4258897304534912},{"text":"Outside of that, so just speaking about that that insurance for a quick moment.","start":554.95,"end":559.77,"sentiment":"neutral","sentiment_score":0.07609425644789423},{"text":"I mentioned 551,000 of life and disability insurance.","start":560.23,"end":565.335,"sentiment":"neutral","sentiment_score":0.06794864218682051}],"sentiment":"neutral","sentiment_score":0.08119330120986545,"num_words":77,"start":534.47504,"end":565.335},{"sentences":[{"text":"That will obviously pay off the mortgage, leave about 300,000 leftover of insurance and super.","start":566.375,"end":572.555,"sentiment":"neutral","sentiment_score":0.07869017918904622},{"text":"Just wondering how you're feeling about that amount, that scenario, if that sounds appropriate for you.","start":572.85504,"end":589.73,"sentiment":"neutral","sentiment_score":-0.015738179674372077},{"text":"Yep.","start":591.39,"end":591.89,"sentiment":"neutral","sentiment_score":-0.03944111615419388},{"text":"And that's the thing too is we can, you know, increase it so that there's this really good looking after, but then the premiums increase and it slows down the super.","start":591.995,"end":599.115,"sentiment":"neutral","sentiment_score":-0.10005307443920643},{"text":"So I need to balance the two.","start":599.115,"end":600.815,"sentiment":"neutral","sentiment_score":-0.11294713616371155}],"sentiment":"neutral","sentiment_score":-0.042902493769569054,"num_words":70,"start":566.375,"end":600.815},{"sentences":[{"text":"Perfect.","start":602.95496,"end":603.45496,"sentiment":"positive","sentiment_score":0.5008894205093384},{"text":"One thing I'll quickly run by you is you don't have trauma insurance.","start":603.51495,"end":609.23,"sentiment":"neutral","sentiment_score":0.1317209257529332},{"text":"You've got life disability and income protection.","start":609.37,"end":612.11,"sentiment":"neutral","sentiment_score":0.14278111393962586},{"text":"Just to let you know that there is a type of insurance you can pay out of pocket for, like, a lump sum if you do have a heart attack, stroke, or cancer.","start":612.41003,"end":619.87,"sentiment":"neutral","sentiment_score":0.13039615693869014},{"text":"Typically, you know, a $100,000 to help with hotels and medical costs and things like that.","start":620.525,"end":626.625,"sentiment":"neutral","sentiment_score":0.14753860095515847}],"sentiment":"neutral","sentiment_score":0.14109171495905945,"num_words":70,"start":602.95496,"end":626.625},{"sentences":[{"text":"If you ever get to a point where you do have the spare cash flow, I can do a quote for you.","start":627.325,"end":631.80505,"sentiment":"neutral","sentiment_score":0.15000767768784004},{"text":"If cash flow is tight, I just wanted to let you know it does exist as an option.","start":631.80505,"end":635.77997,"sentiment":"neutral","sentiment_score":0.0675238168074025},{"text":"Yeah.","start":649.36,"end":649.785,"sentiment":"neutral","sentiment_score":-0.20987480878829956},{"text":"Yeah.","start":668.27997,"end":668.76,"sentiment":"neutral","sentiment_score":0.010880817659199238},{"text":"Trauma is the fourth type for that specific scenario.","start":668.76,"end":672.14,"sentiment":"neutral","sentiment_score":-0.018419179651472304}],"sentiment":"neutral","sentiment_score":0.08138884320928186,"num_words":51,"start":627.325,"end":672.14},{"sentences":[{"text":"Yes.","start":686.375,"end":686.875,"sentiment":"neutral","sentiment_score":-0.02798428386449814},{"text":"So you have 5,170 a month worth of cover.","start":687.575,"end":692.19,"sentiment":"neutral","sentiment_score":0.006720634798208873},{"text":"So think of it as a little bit over maybe 1,200 a week after tax would be paid out if you were ill or injured for more than a month off work.","start":692.41003,"end":704.445,"sentiment":"neutral","sentiment_score":-0.07910353754414245},{"text":"No.","start":712.825,"end":713.065,"sentiment":"neutral","sentiment_score":-0.13337342441082},{"text":"You're more than okay.","start":713.065,"end":713.945,"sentiment":"neutral","sentiment_score":-0.05333156045526266}],"sentiment":"neutral","sentiment_score":-0.060542796560107394,"num_words":47,"start":686.375,"end":713.945},{"sentences":[{"text":"So the benefit period is five years, like, per claim.","start":713.945,"end":718.55,"sentiment":"neutral","sentiment_score":0.09063566364347934},{"text":"So if you were injured and ill for up to five years, it could pay you out.","start":718.61,"end":723.27,"sentiment":"neutral","sentiment_score":0.0041048070963691265},{"text":"If you get to the point where, obviously, you know, five years, generally, if you're not going back to work after that, you would do a TPD claim for that 500,000 lump sum on top.","start":723.81,"end":733.08496,"sentiment":"neutral","sentiment_score":0.03401427822453635},{"text":"So for e...","start":738.26495,"end":739.96497,"sentiment":"neutral","sentiment_score":-0.02276919037103653},{"text":"No.","start":741.70496,"end":741.785,"sentiment":"neutral","sentiment_score":-0.0646020919084549}],"sentiment":"neutral","sentiment_score":0.030814067150155704,"num_words":66,"start":713.945,"end":741.785},{"sentences":[{"text":"You're okay.","start":741.785,"end":742.345,"sentiment":"neutral","sentiment_score":-0.01979313418269157},{"text":"So for income protection, if you're off work for thirty days and it looks like you're not going back to work for a period of time, you can launch a claim straight away.","start":742.345,"end":750.43,"sentiment":"neutral","sentiment_score":0.012052657816446188},{"text":"And then once the thirty days has elapsed, they can start the, you know, back paying the payments to thirty days and onwards.","start":751.13,"end":757.71,"sentiment":"neutral","sentiment_score":0.04092887031805256},{"text":"For TPD, it's definition based.","start":757.85004,"end":760.485,"sentiment":"neutral","sentiment_score":0.010247905738651752},{"text":"So if your doctor was to say you're unlikely to ever return to work in any occupation you're reasonably suited to, then you could theoretically launch a TPD claim as well.","start":761.045,"end":772.825,"sentiment":"neutral","sentiment_score":-0.11065416807128538}],"sentiment":"neutral","sentiment_score":-0.022122598134298274,"num_words":94,"start":741.785,"end":772.825},{"sentences":[{"text":"Cool.","start":775.52496,"end":775.95,"sentiment":"positive","sentiment_score":0.561408281326294},{"text":"Premiums for those, they're sitting at 2,600 out of the super.","start":776.51,"end":779.73004,"sentiment":"positive","sentiment_score":0.35976324298165063},{"text":"There's a 15% rebate that dropped to 2,200.","start":779.79004,"end":782.93,"sentiment":"neutral","sentiment_score":0.2598489820957184},{"text":"So it's not too large of a cost right now, but I will let you know that once you hit over the fifties, it can start to accelerate.","start":783.23004,"end":791.185,"sentiment":"neutral","sentiment_score":0.18965682520398072},{"text":"So as you pay down the mortgage, we're gonna have to possibly trim the cover down just so it doesn't jump up to, you know, 5,000, 8,000, $10,000 a year.","start":791.645,"end":800.625,"sentiment":"neutral","sentiment_score":0.08566102050244809}],"sentiment":"neutral","sentiment_score":0.1856130452778859,"num_words":78,"start":775.52496,"end":800.625},{"sentences":[{"text":"Cool.","start":802.365,"end":802.84503,"sentiment":"positive","sentiment_score":0.4177725315093994},{"text":"So we'll keep this one in place for the time being.","start":802.84503,"end":805.38,"sentiment":"positive","sentiment_score":0.3410484872081063},{"text":"If there's anything that happens where you feel like you need to claim, please give us a call.","start":806.74,"end":811.62,"sentiment":"neutral","sentiment_score":0.15841783417595756},{"text":"We can help you with the claim itself and provide claims advice as well.","start":811.62,"end":816.2,"sentiment":"positive","sentiment_score":0.3976368180343083},{"text":"So we'll just do our best to kind of make it easier to go through the process and paperwork together.","start":816.34,"end":823.985,"sentiment":"positive","sentiment_score":0.3428067721426487}],"sentiment":"neutral","sentiment_score":0.30381059064529836,"num_words":64,"start":802.365,"end":823.985},{"sentences":[{"text":"Cool.","start":824.005,"end":824.505,"sentiment":"neutral","sentiment_score":0.33223825693130493},{"text":"Alright.","start":825.285,"end":825.605,"sentiment":"neutral","sentiment_score":0.17228727042675018},{"text":"Any other questions on the insurance before I jump into the super?","start":825.605,"end":828.505,"sentiment":"neutral","sentiment_score":0.1013261570284764},{"text":"Perfect.","start":830.88495,"end":831.38495,"sentiment":"positive","sentiment_score":0.37714430689811707},{"text":"Now with the super...","start":831.925,"end":833.52496,"sentiment":"neutral","sentiment_score":0.1004108376801014}],"sentiment":"neutral","sentiment_score":0.13153826680622602,"num_words":19,"start":824.005,"end":833.52496},{"sentences":[{"text":"So since you've come on board, I'm having a look.","start":833.52496,"end":837.18,"sentiment":"neutral","sentiment_score":0.10535413883626461},{"text":"It's kind of been that three year mark, so to speak.","start":837.18,"end":840.48,"sentiment":"neutral","sentiment_score":0.11095902526920493},{"text":"You've had 8% worth of returns since you've come on board, which for your growth risk profile, which is kinda like a four out of five on the risk scale, you're aiming at an average of, say, 9% per annum is your benchmark.","start":840.86,"end":859.09503,"sentiment":"neutral","sentiment_score":0.23867333108602568},{"text":"You've achieved a little over 12% after fees since you've become a client of.","start":859.79504,"end":865.43,"sentiment":"positive","sentiment_score":0.3385832448090826},{"text":"So what I'm sort of thinking in terms of of next steps, because you've been growth, you've got 80% of your funds in, say, shares and property and gold, like growth assets, 20% in the safer side of things.","start":869.97003,"end":882.505,"sentiment":"neutral","sentiment_score":0.32309967355850416}],"sentiment":"neutral","sentiment_score":0.2553683470011267,"num_words":117,"start":833.52496,"end":882.505},{"sentences":[{"text":"Does that make sense?","start":882.505,"end":883.48505,"sentiment":"neutral","sentiment_score":0.23292288929224014},{"text":"Yep.","start":884.745,"end":885.22504,"sentiment":"neutral","sentiment_score":-0.0033789060544222593},{"text":"So the options that you've got is you can...","start":885.22504,"end":887.78503,"sentiment":"neutral","sentiment_score":0.07983096337152852},{"text":"You've...","start":887.78503,"end":888.10504,"sentiment":"neutral","sentiment_score":0.012232504785060884},{"text":"Because you're on the 6 figure income, you've got good contributions coming in, not too much in fees.","start":888.10504,"end":893.27,"sentiment":"neutral","sentiment_score":0.30385110196140075}],"sentiment":"neutral","sentiment_score":0.2160104139863203,"num_words":33,"start":882.505,"end":893.27},{"sentences":[{"text":"We can kind of let it grow as a as a growth fund and kind of revisit reducing the risk when you're close to retirement.","start":893.73,"end":902.39,"sentiment":"positive","sentiment_score":0.3414884704351425},{"text":"So you obviously don't wanna stay growth to the age of 65, and then you lose a third of it a year before you go to live off of it, if that makes sense.","start":902.45,"end":910.265,"sentiment":"neutral","sentiment_score":-0.10769941723522018},{"text":"Yep.","start":911.285,"end":911.685,"sentiment":"neutral","sentiment_score":0.13982656598091123},{"text":"Now growth is usually recommended to have a minimum time frame of eight years.","start":911.685,"end":915.625,"sentiment":"neutral","sentiment_score":0.10655114081289087},{"text":"You've still got fourteen years until preservation age at 60, so we still do have a lot of time up our sleeve.","start":916.005,"end":922.08997,"sentiment":"neutral","sentiment_score":0.0481467702510682}],"sentiment":"neutral","sentiment_score":0.0788146151850621,"num_words":96,"start":893.73,"end":922.08997},{"sentences":[{"text":"I probably wouldn't...","start":924.07,"end":924.87,"sentiment":"neutral","sentiment_score":-0.04964425911506017},{"text":"Unless you were really itching to try and increase the returns, I probably wouldn't look at increasing your risk level at this point just given what's going on in the world.","start":924.87,"end":932.85504,"sentiment":"neutral","sentiment_score":-0.1849809954724004},{"text":"The markets are going up and down like crazy.","start":932.85504,"end":934.955,"sentiment":"neutral","sentiment_score":-0.2686526013745202},{"text":"And if we went up to, like, a high growth, you may get a couple of percent more returns, but then also you could be talking to me next year and be sitting at a 180,000 in the super.","start":935.575,"end":947.72003,"sentiment":"neutral","sentiment_score":0.020479168981695786},{"text":"Cool.","start":948.02,"end":948.52,"sentiment":"neutral","sentiment_score":0.013656482100486755}],"sentiment":"neutral","sentiment_score":-0.0902273852647428,"num_words":83,"start":924.07,"end":948.52},{"sentences":[{"text":"I will ask the question around contributions if you wanted to look at any salary sacrifice to super, but I know you've got a lot going on at the moment.","start":949.7,"end":958.02,"sentiment":"neutral","sentiment_score":-0.07986733553310235},{"text":"So I did just wanna pose the Yeah.","start":958.02,"end":976.47003,"sentiment":"neutral","sentiment_score":-0.0217358092777431},{"text":"Yep.","start":976.53,"end":977.03,"sentiment":"neutral","sentiment_score":-0.03069933131337166},{"text":"Yes.","start":983.89,"end":984.39,"sentiment":"neutral","sentiment_score":-0.10553495585918428},{"text":"No.","start":988.265,"end":988.425,"sentiment":"neutral","sentiment_score":-0.10821615159511566}],"sentiment":"neutral","sentiment_score":-0.0686428531459192,"num_words":41,"start":949.7,"end":988.425},{"sentences":[{"text":"That's totally fine.","start":988.425,"end":989.225,"sentiment":"neutral","sentiment_score":0.07948378846049309},{"text":"I'll give you an updated projection here for the super.","start":989.225,"end":992.265,"sentiment":"neutral","sentiment_score":0.09296152219176293},{"text":"Just a bit of a...","start":992.265,"end":992.90497,"sentiment":"neutral","sentiment_score":0.0006121948361396789},{"text":"Bear in mind, this is very rough figures, but I wanna give you just a little bit of reassurance with where things are going.","start":992.90497,"end":998.845,"sentiment":"neutral","sentiment_score":0.23886561471348008},{"text":"So if I put in your updated salary, we've got 12% contributions now.","start":999.225,"end":1005.57,"sentiment":"neutral","sentiment_score":0.27550964745191425}],"sentiment":"neutral","sentiment_score":0.19064595875414936,"num_words":55,"start":988.425,"end":1005.57},{"sentences":[{"text":"A little bit of tax comes off of those, so I'll just add in 11,424 a year of contributions.","start":1005.95,"end":1012.52997,"sentiment":"neutral","sentiment_score":0.12917308509349823},{"text":"Now if you go as a growth fund, let's say, for the next fourteen years with your current salary, you could still creep up towards 900,000, possibly 1,000,000 by the age of 60 and easily be producing 50 to $75,000 a year worth of tax free income.","start":1013.55,"end":1034.65,"sentiment":"neutral","sentiment_score":0.17241432692142242},{"text":"Yeah.","start":1038.31,"end":1038.63,"sentiment":"positive","sentiment_score":0.38600993156433105},{"text":"So you're not behind for your age, but you're also getting good returns to the point where, you know, that would last a good twenty five years or more if you, you know, conservatively pulled funds out, went on a few holidays, things like that.","start":1038.63,"end":1054.885,"sentiment":"positive","sentiment_score":0.3930775970220566},{"text":"Even if you pulled out more, it would still last for quite a while.","start":1055.425,"end":1058.4,"sentiment":"neutral","sentiment_score":0.1951321746621813}],"sentiment":"neutral","sentiment_score":0.24892154146754553,"num_words":126,"start":1005.95,"end":1058.4},{"sentences":[{"text":"If that depletes below 600,000, you get the age pension.","start":1058.64,"end":1061.84,"sentiment":"neutral","sentiment_score":0.08613481596112252},{"text":"We'll top you up a little bit too.","start":1061.84,"end":1063.6,"sentiment":"positive","sentiment_score":0.43599485978484154},{"text":"So you're in a very good trajectory as it is without worrying about having to try and push more money into it or take on more risk.","start":1063.6,"end":1070.9,"sentiment":"neutral","sentiment_score":0.27916323862693926},{"text":"K?","start":1072.88,"end":1073.38,"sentiment":"neutral","sentiment_score":0.06781081855297089},{"text":"There is one thing I will keep an eye on, which is just in terms of your investments.","start":1073.955,"end":1079.095,"sentiment":"neutral","sentiment_score":0.09052930379079448}],"sentiment":"neutral","sentiment_score":0.2122508244938217,"num_words":64,"start":1058.64,"end":1079.095},{"sentences":[{"text":"Pretty much all of them have done fantastic.","start":1080.195,"end":1082.215,"sentiment":"positive","sentiment_score":0.3512716442346573},{"text":"There is one option in particular that has been kind of lagging the Australian market, a Benelon option that I would like to keep an eye on.","start":1082.6749,"end":1091.59,"sentiment":"neutral","sentiment_score":-0.02919477817636949},{"text":"If that doesn't kind of pick up its feet next year, I'll probably have to replace that one.","start":1091.8099,"end":1096.5499,"sentiment":"neutral","sentiment_score":-0.1747100796136591},{"text":"And there's also some term deposits called bank hybrids that the government is phasing out the next couple of years.","start":1096.77,"end":1103.175,"sentiment":"neutral","sentiment_score":-0.04383713509887457},{"text":"We'll probably jump on replacing that one next year as 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client.","start":1161.635,"end":1169.96,"sentiment":"neutral","sentiment_score":0.13116438973408479},{"text":"We have just released some discounts.","start":1170.5,"end":1173.48,"sentiment":"neutral","sentiment_score":0.15085706611474356}],"sentiment":"neutral","sentiment_score":0.17762107007643757,"num_words":51,"start":1154.995,"end":1173.48},{"sentences":[{"text":"So normally, you'd be paying, like, point 65%, that kind of thing.","start":1174.0199,"end":1179.165,"sentiment":"neutral","sentiment_score":0.09096051690479119},{"text":"But for everyone above 200,000, which you fall into that category, we do reduce the percentage of the fee.","start":1180.365,"end":1186.765,"sentiment":"neutral","sentiment_score":0.0838935375213623},{"text":"And then once you're above 500,000, there's a further discount as well.","start":1186.765,"end":1190.4651,"sentiment":"neutral","sentiment_score":0.07777249813079834},{"text":"So that's just kind of what's in that pack there.","start":1193.005,"end":1195.47,"sentiment":"neutral","sentiment_score":0.22090363800525664},{"text":"If you're happy to sign off on that, we'll apply the new consent structure to Hub twenty four and apply those discounts.","start":1195.47,"end":1202.53,"sentiment":"neutral","sentiment_score":0.18237179179083218}],"sentiment":"neutral","sentiment_score":0.13119985590378444,"num_words":75,"start":1174.0199,"end":1202.53},{"sentences":[{"text":"Amazing.","start":1204.91,"end":1205.41,"sentiment":"positive","sentiment_score":0.41236141324043274},{"text":"Outside of that, is there anything you feel you you could use this side of Christmas?","start":1206.03,"end":1210.595,"sentiment":"neutral","sentiment_score":0.16163465566933155},{"text":"Anything you would like me to look into for you or touch base on?","start":1210.595,"end":1214.1349,"sentiment":"neutral","sentiment_score":0.08814818092754909},{"text":"Cool.","start":1225.4099,"end":1225.9099,"sentiment":"neutral","sentiment_score":-0.032361894845962524},{"text":"Look.","start":1226.13,"end":1226.45,"sentiment":"neutral","sentiment_score":-0.053370047360658646}],"sentiment":"neutral","sentiment_score":0.12566237862814555,"num_words":33,"start":1204.91,"end":1226.45},{"sentences":[{"text":"If anything does deteriorate quicker and you feel like you need someone to talk to or a few ideas or tips on how to manage the finances with any major changes, please give us a call.","start":1226.45,"end":1237.775,"sentiment":"neutral","sentiment_score":-0.057461223668522306},{"text":"I can walk you through a few ideas, kind of analyze the...","start":1238.155,"end":1241.035,"sentiment":"neutral","sentiment_score":0.024139981095989544},{"text":"Things a bit with you, and see if there's any options to assist.","start":1241.035,"end":1244.3351,"sentiment":"neutral","sentiment_score":0.02203599435205643},{"text":"Amazing.","start":1246.475,"end":1246.975,"sentiment":"positive","sentiment_score":0.43722814321517944},{"text":"Thank you for yours, Rhianna.","start":1248.0751,"end":1249.275,"sentiment":"positive","sentiment_score":0.7912658452987671}],"sentiment":"neutral","sentiment_score":0.04330001518463911,"num_words":67,"start":1226.45,"end":1249.275},{"sentences":[{"text":"Thank you so much for calling back in.","start":1249.275,"end":1250.97,"sentiment":"positive","sentiment_score":0.7293165698647499},{"text":"I'll leave that DocuSign with you.","start":1252.33,"end":1254.09,"sentiment":"positive","sentiment_score":0.4319390306870143},{"text":"It's with our new Odoo system.","start":1254.09,"end":1255.69,"sentiment":"positive","sentiment_score":0.5187754730383555},{"text":"So if you have any trouble with it, just give the team a call.","start":1255.69,"end":1258.25,"sentiment":"neutral","sentiment_score":0.279428447995867},{"text":"They can walk you through it.","start":1258.25,"end":1259.5499,"sentiment":"positive","sentiment_score":0.5028433551390966}],"sentiment":"positive","sentiment_score":0.4616969496011734,"num_words":40,"start":1249.275,"end":1259.5499},{"sentences":[{"text":"You too.","start":1262.09,"end":1262.57,"sentiment":"positive","sentiment_score":0.6133432984352112},{"text":"Talk to you again soon.","start":1262.57,"end":1263.71,"sentiment":"positive","sentiment_score":0.4987038135528564},{"text":"Bye.","start":1264.73,"end":1265.23,"sentiment":"neutral","sentiment_score":-0.1175137534737587}],"sentiment":"positive","sentiment_score":0.45033648889511824,"num_words":8,"start":1262.09,"end":1265.23}]}}]},{"alternatives":[{"transcript":"That's okay. Tell me. How are you? Oh, well, I am in a day a few days ago, but I'm sorry. I'm still sick. I'm trying to get better, but... Yeah. I'll get better eventually. Yeah. Yeah. Yeah. Yeah. No. Absolutely. Of course. If you can just walk me through what you've got... What you're saying because I'm not in front of my computer at the moment. Okay. No. I might just ask a few questions right on for you, but not not really at the moment. No. Sure. Okay. Yes. Yes. No. That's 318. I do have one child. Under. Yeah. I'm still doing that. Yes. Can you just calculate that for me at 2%? Yeah. Yeah. I know they should be ashamed of themselves, but that's okay. Yeah. Yeah. It's hard. Yeah. It's really hard. Obviously, I had quite a massive hard year, so there is no service that we're talking of anymore. Mhmm. On the mortgage? Yeah. I think it's sitting on $4.40 at the moment. No. No. No. What is that? The house? Oh, I I don't know. My husband keeps looking at that, and I'm pretty sure that that was roughly the figure that he has mentioned eight weeks ago. So, yeah, I would say that to my wife. Yeah. Exactly. Scary. No. How do I go about doing that? Is that somebody else that I need to contact to get this done or set services you guys offer as well? Okay. Yeah. But do you know what do you know what they charge for that? Oh, wow. Okay. Do they actually... Are they actually valid if you get them and fill them in? What what what do you do with them afterwards? Oh, they do. Okay. Okay. Yeah. I mean, we we we don't have much complications anymore that needs to go anywhere, but I think the basic is all that we need. Yep. Yep. I just... I wanna ask you something, and I'm I'm not sure if if you can or can't, but, obviously, there's a few changes that happened with James. Is... Do you think... Is it appropriate to have him the only one on here, or is it appropriate to have my son's name on there as well? Or what what what is the way the people normally go? Yeah. Yeah. Yes. Okay. Listen. I will eventually go and get the wheel from the post office because we really need to do that. My husband's got he's got cancer, and he's got stage four. And he's just going downhill a bit. So that's why I asked the question. It might be, you know, worthwhile doing the will and then maybe, like, the the first option, like you've mentioned, put it in the trust fund once something happens to me, you know, for my son. Because he's he's he's only 16. So, you know, fingers crossed nothing happens while he's under 18. And then he's gotta go old enough anyway at that age. Yeah. Yeah. Yeah. Okay. Okay. Thank you. Mhmm. Yeah. That that that... That's that's okay for now. I don't wanna make just make too many changes. Yeah. Yeah. Yep. Yep. Yeah. I'm really trying to know. Like I said earlier, this... My my dad just passed earlier this year, and I had to go back home when I paid for the funeral. So there's quite a bit of more cash from that that that is now gone. So that seems like it for now. However... But I do wanna ask you, you've just mentioned something. It's called... What is it called? Trauma insurance or something? Yeah. Mhmm. Okay. Your income the income... You've got... Apologies if I'm jumping in here. The income protection, what is that sitting on at the moment? Okay. Okay. And how long does that... Apart? Mhmm. Yeah. Yeah. Yep. Yeah. And how long is the waiting period before the time can actually go in? Oh, sorry. Before the client actually fixed in. Yep. Okay. Okay. Okay. Thank you. Okay. Yeah. Yep. Wow. Okay. That's pretty good. Yep. Yep. Yeah. Yeah. Yeah. Of course. Yeah. Mhmm. Okay. Yeah. No. Yeah. Not at this stage. I'm I'm going... I know I probably should, but I just I just can't do it at the moment. Like I said, my husband is sick, and he's off workers' comp. He's got two frozen shoulders as well. So we're potentially sitting on one salary, most likely for the... Until the end of this year. So I just can't move anybody anywhere else at this moment. Okay. Okay. That's not too bad. Okay. Mhmm. Okay. Sorry. What is the one in Australia that you said that is the gliding? Benel. Okay. White. Okay. Yep. Yes. That'll be great. Thank you. No. All good. Thank you. Okay. Oh, fantastic. Thank you so much. Okay. Right. Thank you. Nothing that comes to mind. Just yet. No. Not at this month. Not at this particular moment. No. Okay. Fantastic. Thank you so much for your time. Okay. That's okay. All good. Have a great weekend, Tommy. Thank you. See you. 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okay. Tell me. How are you? Oh, well, I am in a day a few days ago, but I'm sorry. I'm still sick.\n\nI'm trying to get better, but... Yeah. I'll get better eventually. Yeah. Yeah.\n\nYeah. Yeah. No. Absolutely. Of course.\n\nIf you can just walk me through what you've got... What you're saying because I'm not in front of my computer at the moment. Okay. No. I might just ask a few questions right on for you, but not not really at the moment.\n\nNo. Sure. Okay. Yes. Yes.\n\nNo. That's 318. I do have one child. Under. Yeah.\n\nI'm still doing that. Yes. Can you just calculate that for me at 2%? Yeah. Yeah.\n\nI know they should be ashamed of themselves, but that's okay. Yeah. Yeah. It's hard. Yeah.\n\nIt's really hard. Obviously, I had quite a massive hard year, so there is no service that we're talking of anymore. Mhmm. On the mortgage? Yeah.\n\nI think it's sitting on $4.40 at the moment. No. No. No. What is that?\n\nThe house? Oh, I I don't know. My husband keeps looking at that, and I'm pretty sure that that was roughly the figure that he has mentioned eight weeks ago. So, yeah, I would say that to my wife. Yeah.\n\nExactly. Scary. No. How do I go about doing that? Is that somebody else that I need to contact to get this done or set services you guys offer as well?\n\nOkay. Yeah. But do you know what do you know what they charge for that? Oh, wow. Okay.\n\nDo they actually... Are they actually valid if you get them and fill them in? What what what do you do with them afterwards? Oh, they do. Okay.\n\nOkay. Yeah. I mean, we we we don't have much complications anymore that needs to go anywhere, but I think the basic is all that we need. Yep. Yep.\n\nI just... I wanna ask you something, and I'm I'm not sure if if you can or can't, but, obviously, there's a few changes that happened with James. Is... Do you think... Is it appropriate to have him the only one on here, or is it appropriate to have my son's name on there as well?\n\nOr what what what is the way the people normally go? Yeah. Yeah. Yes. Okay.\n\nListen. I will eventually go and get the wheel from the post office because we really need to do that. My husband's got he's got cancer, and he's got stage four. And he's just going downhill a bit. So that's why I asked the question.\n\nIt might be, you know, worthwhile doing the will and then maybe, like, the the first option, like you've mentioned, put it in the trust fund once something happens to me, you know, for my son. Because he's he's he's only 16. So, you know, fingers crossed nothing happens while he's under 18. And then he's gotta go old enough anyway at that age. Yeah.\n\nYeah. Yeah. Okay. Okay. Thank you.\n\nMhmm. Yeah. That that that... That's that's okay for now. I don't wanna make just make too many changes.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nI'm really trying to know. Like I said earlier, this... My my dad just passed earlier this year, and I had to go back home when I paid for the funeral. So there's quite a bit of more cash from that that that is now gone. So that seems like it for now.\n\nHowever... But I do wanna ask you, you've just mentioned something. It's called... What is it called? Trauma insurance or something?\n\nYeah. Mhmm. Okay. Your income the income... You've got...\n\nApologies if I'm jumping in here. The income protection, what is that sitting on at the moment? Okay. Okay. And how long does that...\n\nApart? Mhmm. Yeah. Yeah. Yep.\n\nYeah. And how long is the waiting period before the time can actually go in? Oh, sorry. Before the client actually fixed in. Yep.\n\nOkay. Okay. Okay. Thank you. Okay.\n\nYeah. Yep. Wow. Okay. That's pretty good.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nOf course. Yeah. Mhmm. Okay. Yeah.\n\nNo. Yeah. Not at this stage. I'm I'm going... I know I probably should, but I just I just can't do it at the moment.\n\nLike I said, my husband is sick, and he's off workers' comp. He's got two frozen shoulders as well. So we're potentially sitting on one salary, most likely for the... Until the end of this year. So I just can't move anybody anywhere else at this moment.\n\nOkay. Okay. That's not too bad. Okay. Mhmm.\n\nOkay. Sorry. What is the one in Australia that you said that is the gliding? Benel. Okay.\n\nWhite. Okay. Yep. Yes. That'll be great.\n\nThank you. No. All good. Thank you. Okay.\n\nOh, fantastic. Thank you so much. Okay. Right. Thank you.\n\nNothing that comes to mind. Just yet. No. Not at this month. Not at this particular moment.\n\nNo. Okay. Fantastic. Thank you so much for your time. Okay.\n\nThat's okay. All good. Have a great weekend, Tommy. Thank you. 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gliding?","start":1108.0399,"end":1111.1,"sentiment":"neutral","sentiment_score":-0.011459607917528886},{"text":"Benel.","start":1113.7999,"end":1114.2999,"sentiment":"neutral","sentiment_score":0.022960614413022995},{"text":"Okay.","start":1114.735,"end":1115.235,"sentiment":"neutral","sentiment_score":0.06917029619216919}],"sentiment":"neutral","sentiment_score":-0.00536775851950926,"num_words":17,"start":1107.24,"end":1115.235},{"sentences":[{"text":"White.","start":1127.05,"end":1127.37,"sentiment":"neutral","sentiment_score":0.013972001150250437},{"text":"Okay.","start":1127.37,"end":1127.87,"sentiment":"neutral","sentiment_score":0.027695544064044952},{"text":"Yep.","start":1144.105,"end":1144.605,"sentiment":"neutral","sentiment_score":0.09601299464702606},{"text":"Yes.","start":1150.265,"end":1150.665,"sentiment":"neutral","sentiment_score":0.3070265054702759},{"text":"That'll be great.","start":1150.665,"end":1151.385,"sentiment":"positive","sentiment_score":0.6205371816953024}],"sentiment":"neutral","sentiment_score":0.32947408434535774,"num_words":7,"start":1127.05,"end":1151.385},{"sentences":[{"text":"Thank you.","start":1151.385,"end":1152.125,"sentiment":"positive","sentiment_score":0.6505423188209534},{"text":"No.","start":1156.905,"end":1157.305,"sentiment":"neutral","sentiment_score":0.051661401987075806},{"text":"All good.","start":1157.305,"end":1157.705,"sentiment":"neutral","sentiment_score":0.18443845957517624},{"text":"Thank you.","start":1157.705,"end":1167.01,"sentiment":"neutral","sentiment_score":0.23539865389466286},{"text":"Okay.","start":1181.0851,"end":1181.5851,"sentiment":"neutral","sentiment_score":0.07008921355009079}],"sentiment":"neutral","sentiment_score":0.28281368501484394,"num_words":8,"start":1151.385,"end":1181.5851},{"sentences":[{"text":"Oh, fantastic.","start":1190.75,"end":1191.41,"sentiment":"neutral","sentiment_score":0.30900250375270844},{"text":"Thank you so much.","start":1191.63,"end":1192.6101,"sentiment":"positive","sentiment_score":0.4305756166577339},{"text":"Okay.","start":1202.8301,"end":1203.165,"sentiment":"neutral","sentiment_score":0.12859420478343964},{"text":"Right.","start":1203.405,"end":1203.645,"sentiment":"neutral","sentiment_score":0.16700947284698486},{"text":"Thank you.","start":1203.645,"end":1204.385,"sentiment":"neutral","sentiment_score":0.3153332322835922}],"sentiment":"neutral","sentiment_score":0.32665776163339616,"num_words":10,"start":1190.75,"end":1204.385},{"sentences":[{"text":"Nothing that comes to mind.","start":1215.485,"end":1216.8451,"sentiment":"neutral","sentiment_score":-0.025257993116974832},{"text":"Just yet.","start":1216.8451,"end":1217.665,"sentiment":"neutral","sentiment_score":-0.033814793452620506},{"text":"No.","start":1221.37,"end":1221.69,"sentiment":"neutral","sentiment_score":-0.12363839149475098},{"text":"Not at this month.","start":1221.69,"end":1222.73,"sentiment":"neutral","sentiment_score":-0.161058209836483},{"text":"Not at this particular moment.","start":1222.73,"end":1224.33,"sentiment":"neutral","sentiment_score":-0.1682861328125}],"sentiment":"neutral","sentiment_score":-0.1060718498466646,"num_words":17,"start":1215.485,"end":1224.33},{"sentences":[{"text":"No.","start":1224.33,"end":1224.83,"sentiment":"neutral","sentiment_score":-0.08385412395000458},{"text":"Okay.","start":1244.395,"end":1244.7151,"sentiment":"neutral","sentiment_score":0.21131710708141327},{"text":"Fantastic.","start":1244.7151,"end":1245.2151,"sentiment":"positive","sentiment_score":0.506028950214386},{"text":"Thank you so much for your time.","start":1246.03,"end":1247.65,"sentiment":"positive","sentiment_score":0.6580799392291478},{"text":"Okay.","start":1249.07,"end":1249.57,"sentiment":"positive","sentiment_score":0.4328785240650177}],"sentiment":"positive","sentiment_score":0.5157209120013497,"num_words":11,"start":1224.33,"end":1249.57},{"sentences":[{"text":"That's okay.","start":1251.15,"end":1251.97,"sentiment":"positive","sentiment_score":0.47258883714675903},{"text":"All good.","start":1259.71,"end":1260.2969,"sentiment":"positive","sentiment_score":0.683126837015152},{"text":"Have a great weekend, Tommy.","start":1260.3768,"end":1261.7568,"sentiment":"positive","sentiment_score":0.7911804676055908},{"text":"Thank you.","start":1262.3768,"end":1263.1168,"sentiment":"positive","sentiment_score":0.5978609621524811},{"text":"See you.","start":1263.7368,"end":1264.2969,"sentiment":"positive","sentiment_score":0.4163178354501724}],"sentiment":"positive","sentiment_score":0.6381300985813141,"num_words":13,"start":1251.15,"end":1264.2969},{"sentences":[{"text":"Bye.","start":1264.2969,"end":1264.7969,"sentiment":"neutral","sentiment_score":0.2358391135931015}],"sentiment":"neutral","sentiment_score":0.2358391135931015,"num_words":1,"start":1264.2969,"end":1264.7969}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Rhianna. You're through to Tommy, senior adviser. Thank you so much for calling back in.\n\nChannel 1: That's okay. Tell me. How are you?\n\nChannel 0: I'm doing fantastic. It is a beautiful Friday. How are you doing?\n\nChannel 1: Oh, well, I am in a day a few days ago, but I'm sorry. I'm still sick. I'm trying to get better, but... Yeah.\n\nChannel 0: No. That's totally\n\nChannel 1: I'll get\n\nChannel 0: fair\n\nChannel 1: better\n\nChannel 0: enough.\n\nChannel 1: eventually.\n\nChannel 0: It's... The the season kind of affects us all. Do you... Are you still okay to kind of go through a bit of an annual\n\nChannel 1: Yeah.\n\nChannel 0: review\n\nChannel 1: Yeah.\n\nChannel 0: with me\n\nChannel 1: Yeah.\n\nChannel 0: this morning?\n\nChannel 1: Yeah. No. Absolutely.\n\nChannel 0: Perfect. I won't try to get you to use your voice too much, but there's obviously a few things that I need to run by you.\n\nChannel 1: Of course.\n\nChannel 0: Just get your your thoughts on too. I have an annual review pack that I'm gonna send through to your Gmail address. Will you be able to look onto it with me today, or should I just kind of walk you through what I'm\n\nChannel 1: If you can just walk me through what you've got... What you're saying because I'm not in front of my computer at the moment.\n\nChannel 0: sending? That's totally fine. So what I was thinking for today is I was just gonna update a few of your details just with our new system. And what I've sent through to you is essentially just a bit of a summary on how the super has been going, a certificate for your insurances, and some updated service guides with Oakview and consent\n\nChannel 1: Okay.\n\nChannel 0: forms. Cool. Now is there anything in particular you're hoping to get out of this year's review?\n\nChannel 1: No. I might just ask a few questions right on for you, but not not really at the moment. No.\n\nChannel 0: Perfect. Just give you a bit of a general update. Any questions you do have, I'll do my best to answer. And if there's\n\nChannel 1: Sure.\n\nChannel 0: any advice that we need to do, I'll kind of walk you through some steps. Cool. Now in terms of overall goals, just to kind of catch up on things, most of what I'm kind of seeing on your file is really just to focus on, obviously,\n\nChannel 1: Okay.\n\nChannel 0: growing the super for retirement and then just kind of building your savings, paying down the mortgage. Does that sound about right?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. Anything else that you're working on in the next one to three years?\n\nChannel 1: No. That's 318.\n\nChannel 0: Perfect. We've got the address that we updated that. That's perfect. We have you married with no dependents. Is that correct?\n\nChannel 1: I do have one child.\n\nChannel 0: One child. Are they under or over 18?\n\nChannel 1: Under.\n\nChannel 0: Under. Perfect. In terms of the the occupation, so last time we checked, you were working for employment here, doing sort of payroll implementation. Is that right?\n\nChannel 1: Yeah. I'm still doing that.\n\nChannel 0: Perfect. I know we've just gone past tax season. I think we had you at about a 110,000. Has that changed much?\n\nChannel 1: Yes. Can you just calculate that for me at\n\nChannel 0: Yeah.\n\nChannel 1: 2%?\n\nChannel 0: Yeah. Absolutely. So just a bit of a 2% bump up from that base\n\nChannel 1: Yeah.\n\nChannel 0: salary.\n\nChannel 1: Yeah. I know they should be ashamed of themselves, but that's okay.\n\nChannel 0: It's okay. So 112,200. I'll add that in there. How are you going with, obviously, the cost of living and everything in terms of budgeting and and savings?\n\nChannel 1: Yeah.\n\nChannel 0: I know it's,\n\nChannel 1: Yeah.\n\nChannel 0: well, it's a\n\nChannel 1: It's\n\nChannel 0: bit\n\nChannel 1: hard.\n\nChannel 0: rough\n\nChannel 1: Yeah. It's really hard. Obviously, I had quite a massive hard year, so there is no service that we're\n\nChannel 0: at\n\nChannel 1: talking of\n\nChannel 0: the\n\nChannel 1: anymore.\n\nChannel 0: moment. Yeah. Absolutely. In terms of the assets and liabilities, so we had your motor vehicle listed down, no car loan, and then just the mortgage.\n\nChannel 1: Mhmm.\n\nChannel 0: Not sure if you know off the top of your head, but it was 462,000 owing last time. Have you paid much\n\nChannel 1: On the\n\nChannel 0: of that\n\nChannel 1: mortgage?\n\nChannel 0: off? Yes.\n\nChannel 1: Yeah. I think it's sitting on $4.40 at the moment.\n\nChannel 0: $4.40. No worries. And no other loans or assets\n\nChannel 1: No. No.\n\nChannel 0: outside of that?\n\nChannel 1: No.\n\nChannel 0: Perfect. And I know it's a bit hard to do property values at the moment just because the market's kind of going up and down. I'm just gonna do a quick online check. I think we had you at about eight hundred thousand. They are saying online that you're possibly up to about 1,000,000 in value.\n\nChannel 1: What is that? The house?\n\nChannel 0: Yeah. The home value.\n\nChannel 1: Oh, I I don't know. My husband keeps looking at that, and I'm pretty sure that that was roughly the figure that he has mentioned eight weeks ago. So, yeah, I would\n\nChannel 0: Cool.\n\nChannel 1: say that to my wife.\n\nChannel 0: Perfect. I'll go with that for the time being. Obviously, there may be some changes the next six months if what's going on in the market.\n\nChannel 1: Yeah. Exactly. Scary.\n\nChannel 0: The last things I'll update is just in terms of estate planning. We don't believe you'd put a will in place last time we\n\nChannel 1: No. How do I go about doing that? Is that somebody else that I need to contact to get this done or\n\nChannel 0: spoke. Yeah.\n\nChannel 1: set\n\nChannel 0: So there's\n\nChannel 1: services\n\nChannel 0: a few options.\n\nChannel 1: you guys offer as well?\n\nChannel 0: We we do link up with some solicitors that do online wills for... With a discount if you might find that helpful.\n\nChannel 1: Okay. Yeah. But do you know what do you know what they charge for that?\n\nChannel 0: Oh, I'll I'll have to get the up to date figures, but I think it could be somewhere between $4.04 to 600.\n\nChannel 1: Oh, wow.\n\nChannel 0: I do\n\nChannel 1: Okay.\n\nChannel 0: know they have government approved wheel kits at the post office, which are more basic, but they're about $25 a pop\n\nChannel 1: Do\n\nChannel 0: for\n\nChannel 1: they\n\nChannel 0: that.\n\nChannel 1: actually... Are they actually valid if you get them and fill them in? What what what do you do with them afterwards?\n\nChannel 0: So they've got some instructions on, you know,\n\nChannel 1: Oh,\n\nChannel 0: registering\n\nChannel 1: they do. Okay.\n\nChannel 0: wills with the state. They... They're government approved. They're just very basic. That's\n\nChannel 1: Okay. Yeah. I mean, we we we don't have much complications anymore\n\nChannel 0: all.\n\nChannel 1: that needs to go anywhere, but I think\n\nChannel 0: Perfect.\n\nChannel 1: the basic is all that we need.\n\nChannel 0: And in terms of the beneficiary nominations, we've got James listed as beneficiary for the super, for the\n\nChannel 1: Yep.\n\nChannel 0: life insurance, so that's all still okay to leave as is.\n\nChannel 1: Yep. I just... I wanna ask you something, and I'm I'm not sure if if you can or can't, but, obviously, there's a few changes that happened with James. Is... Do you think...\n\nIs it appropriate to have him the only one on here, or is it appropriate to have my son's name on there as well? Or what what what is the way the people normally go?\n\nChannel 0: So the the bit that you've gotta be careful on, so there's two ways that people normally do it. The\n\nChannel 1: Yeah.\n\nChannel 0: more foolproof way of doing it is, let's say, you put in place a a will, and for example,\n\nChannel 1: Yeah.\n\nChannel 0: you can do, like, a testamentary trust will where if you pass away, it opens up a trust fund for for your son. It'll then allow you to direct your super... Your life insurance into your estate to be distributed that way. That's the the most foolproof way. The\n\nChannel 1: Yes.\n\nChannel 0: second option is if you do directly nominate a child, if they receive the funds while they're under 18, you just have to understand that whoever their guardian is will essentially be in control of the money.\n\nChannel 1: Okay.\n\nChannel 0: So would you like to update that and do a bit of a split between the two, or would you prefer to kind of leave as is and maybe go for the wheel route down the line? Where would\n\nChannel 1: Listen.\n\nChannel 0: you lean?\n\nChannel 1: I will eventually go and get the wheel from the post office because we really need to do that. My\n\nChannel 0: Mhmm.\n\nChannel 1: husband's got he's got cancer,\n\nChannel 0: Yeah.\n\nChannel 1: and he's got stage four. And he's just going downhill a bit. So that's why I asked the question. It might be, you know, worthwhile doing the will and then maybe, like, the the first option, like you've mentioned, put it in the trust fund once something happens to me, you know, for my son. Because he's he's\n\nChannel 0: Yes.\n\nChannel 1: he's only 16. So, you know, fingers crossed nothing happens while he's under 18.\n\nChannel 0: Yeah.\n\nChannel 1: And then he's gotta go old enough anyway at that age.\n\nChannel 0: Yeah. And it's a it's a big thing too because let's say, you know, there's almost $240,000 sitting in super at the moment. And\n\nChannel 1: Yeah.\n\nChannel 0: then on top of that, you've got over $500,000 worth of life insurance too. So it's quite\n\nChannel 1: Yeah.\n\nChannel 0: a bit of funds to make sure that, you know, if it comes out and pays off the mortgage and then is is looked after for them, it's definitely worth investigating. As soon as you do put something like that in place, we can always update the beneficiary\n\nChannel 1: Yeah.\n\nChannel 0: nominations\n\nChannel 1: Okay.\n\nChannel 0: as well.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Cool. Outside of that, so just speaking about that that insurance for a quick moment. I mentioned 551,000 of life and disability insurance. That will obviously pay off the mortgage, leave about 300,000 leftover of insurance and super. Just wondering\n\nChannel 1: Mhmm.\n\nChannel 0: how you're feeling about that amount, that scenario, if that sounds appropriate for\n\nChannel 1: Yeah. That that that... That's that's okay for now. I don't wanna make just make\n\nChannel 0: you.\n\nChannel 1: too many changes.\n\nChannel 0: Yep. And that's the thing too is we can, you know, increase it so that there's this really good looking after, but then the premiums increase and it slows down the\n\nChannel 1: Yeah.\n\nChannel 0: super. So I need to balance the two.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Perfect. One thing I'll quickly run by you is you don't have trauma insurance. You've got life disability and income protection. Just to let you know that there is a type of insurance you can pay out of pocket for, like, a lump sum if you do have a heart attack, stroke, or cancer. Typically, you know, a $100,000 to help with hotels and medical costs and things like that.\n\nIf you ever get to a point where you do have the spare cash flow, I can do a quote for you. If cash flow is tight, I just wanted to let you know it does exist as an option.\n\nChannel 1: Yeah. I'm really trying to know. Like I said earlier, this... My my dad just passed earlier this year, and I had to go back home when I paid for the funeral. So\n\nChannel 0: Yeah.\n\nChannel 1: there's quite a bit of more cash from that that that is now gone. So that seems like it for now. However... But I do wanna ask you, you've just mentioned something. It's called...\n\nWhat is it called? Trauma insurance\n\nChannel 0: Yeah.\n\nChannel 1: or something?\n\nChannel 0: Trauma is the fourth type for that specific scenario.\n\nChannel 1: Yeah. Mhmm. Okay. Your income the income... You've got...\n\nApologies if I'm jumping in here. The income protection, what is that sitting on at the\n\nChannel 0: Yes.\n\nChannel 1: moment?\n\nChannel 0: So you have 5,170 a month worth of cover. So think of it as a little bit over maybe 1,200 a week after tax would be paid\n\nChannel 1: Okay.\n\nChannel 0: out if you were ill or injured for more than a month off work.\n\nChannel 1: Okay. And how long does that... Apart?\n\nChannel 0: No. You're more than okay. So the benefit period is\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: five years, like, per claim. So if you were injured and ill for up to five years, it could pay you out.\n\nChannel 1: Yeah.\n\nChannel 0: If you get to the point where, obviously, you know, five years, generally, if you're not going back to work after that, you would do a TPD claim for that 500,000 lump sum on top.\n\nChannel 1: Yep. Yeah. And how long is the waiting period before the time can actually go in? Oh,\n\nChannel 0: So\n\nChannel 1: sorry.\n\nChannel 0: for\n\nChannel 1: Before the client\n\nChannel 0: e...\n\nChannel 1: actually fixed\n\nChannel 0: No. You're okay. So for income protection, if you're\n\nChannel 1: in.\n\nChannel 0: off work for thirty days and it looks like you're not going back to work for a period of time, you can\n\nChannel 1: Yep.\n\nChannel 0: launch a claim straight away. And then once the thirty days has elapsed, they can start the, you know, back paying the payments to thirty\n\nChannel 1: Okay.\n\nChannel 0: days and onwards. For TPD, it's definition based. So\n\nChannel 1: Okay.\n\nChannel 0: if your doctor was to say you're unlikely to ever return to work in any occupation you're reasonably suited to, then you could theoretically launch a TPD claim as well.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Cool. Premiums for those, they're sitting at 2,600 out of the super. There's a 15% rebate that dropped to 2,200. So it's not too large of a cost right now, but I will let you know that once you hit over the fifties, it can start to accelerate. So as you pay down the mortgage, we're gonna have to possibly trim the cover down just so it doesn't jump up to, you know, 5,000, 8,000, $10,000 a year.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Cool. So we'll keep this one in place for the time being. If there's anything that happens where you feel like you need to claim, please give us a call. We can help you with the claim itself and provide claims advice as well. So we'll just do our best to kind of make it easier to go through the process and paperwork together.\n\nCool. Alright. Any other questions on the insurance before I jump into the super? Perfect. Now with the super...\n\nSo since you've come on board, I'm having a look. It's kind of been that three year mark, so to speak. You've\n\nChannel 1: Yep.\n\nChannel 0: had 8% worth of returns since you've come on board, which for your growth risk profile, which is kinda like a four out of five on the risk scale, you're aiming at an average of, say, 9% per annum is your benchmark. You've achieved a little over 12% after fees since you've become a client of.\n\nChannel 1: Wow. Okay. That's pretty good.\n\nChannel 0: So what I'm sort of thinking in terms of of next steps, because you've been growth, you've got 80% of your funds in, say, shares and property and gold, like growth assets, 20% in the safer side of things. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So the options that you've got is you can... You've... Because you're on the 6 figure income, you've got good contributions coming in, not too much in fees. We can kind of let it grow as a as a growth fund and kind of revisit reducing the risk when you're close to retirement.\n\nSo you obviously don't wanna stay growth to the age of 65, and then you lose a third of it a year before you go to live off of it, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense.\n\nChannel 1: Yeah. Yeah. Of course. Yeah.\n\nChannel 0: Yep. Now growth is usually recommended to have a minimum time frame of eight years. You've still got fourteen years until preservation age at 60, so we still\n\nChannel 1: Mhmm.\n\nChannel 0: do have a lot of time up our sleeve.\n\nChannel 1: Okay.\n\nChannel 0: I probably wouldn't... Unless you were really itching to try and increase the returns, I probably wouldn't look at increasing your risk level at this point just given what's going on in the world. The markets are going up and down like crazy. And if we went up to, like, a high growth, you may get a couple of percent more returns, but then also you could be talking to me next year and be sitting at a 180,000 in the\n\nChannel 1: Yeah. No.\n\nChannel 0: super. Cool. I will ask the question around contributions if you wanted to look at any salary sacrifice to super, but I know you've got a lot going on at the moment. So I did just wanna pose the\n\nChannel 1: Yeah. Not at this stage. I'm I'm going... I know I probably should, but I just I just can't do it at the moment. Like I said, my husband is sick, and he's off workers' comp.\n\nHe's got two frozen shoulders as well.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So we're potentially sitting on one salary, most likely for the... Until the end of this year. So\n\nChannel 0: Yes.\n\nChannel 1: I just can't move anybody anywhere else at\n\nChannel 0: No.\n\nChannel 1: this\n\nChannel 0: That's totally fine. I'll give you an updated projection here for the super. Just a bit of a... Bear in mind, this\n\nChannel 1: moment.\n\nChannel 0: is very rough figures, but\n\nChannel 1: Okay.\n\nChannel 0: I wanna give you just a little bit of reassurance with where things are going. So if I put in your updated salary, we've got 12% contributions now. A little bit of tax comes off of those, so I'll just add in 11,424 a year of contributions. Now if you go as a growth fund, let's say, for the next fourteen years with your current salary, you could still creep up towards 900,000, possibly 1,000,000 by the age of 60 and easily be producing 50 to $75,000 a year worth of tax free income.\n\nChannel 1: Okay. That's not too bad.\n\nChannel 0: Yeah. So you're not behind for your age, but you're also getting good returns to the point where, you know, that would last a good twenty five years or more if you, you know, conservatively pulled funds out, went on a few holidays, things like that. Even if you pulled out more, it would still last for quite a while. If that depletes below 600,000, you get the age pension. We'll top you up a little bit too.\n\nSo you're in a very good trajectory as it is without worrying about having to try and push more money into it or take on more risk.\n\nChannel 1: Okay.\n\nChannel 0: K? There is one thing I will keep an eye on, which is just in terms of your investments. Pretty much all of them have done fantastic. There is one option in particular that has been kind of lagging the Australian market, a Benelon option that I would like to keep an eye on. If that\n\nChannel 1: Mhmm.\n\nChannel 0: doesn't kind of pick up its feet next year, I'll probably have to replace that one. And there's also some term deposits called bank hybrids that the government is phasing out the next couple of years. We'll probably jump on replacing that one next year as well.\n\nChannel 1: Okay. Sorry. What is the one in Australia that you said that is the gliding?\n\nChannel 0: It's called Benelong.\n\nChannel 1: Benel. Okay.\n\nChannel 0: Yeah. So you'll hear that name from me next time we talk and and pretty much in the reports you'll be able to see. Everything is is growing really well. You've got your, you know, battery tech and lithium, which is like your electric vehicles\n\nChannel 1: White.\n\nChannel 0: has\n\nChannel 1: Okay.\n\nChannel 0: jumped up quite a bit, but that's the one to sort of keep an eye on. I don't see any reason to kind of overhaul anything at this point. But if it's okay for you, I would like to maybe put in a bit of a catch up in the new year just to\n\nChannel 1: Yep.\n\nChannel 0: see how it's going. If it's still doing what it's currently doing, I'll just do a portfolio update for you.\n\nChannel 1: Yes. That'll be great. Thank you.\n\nChannel 0: Perfect. Alrighty. Do you have any questions so far?\n\nChannel 1: No. All good. Thank\n\nChannel 0: Cool. I do have a bit of extra good news as well. So with Oakview, that pack that I sent out for you does have a consent\n\nChannel 1: you.\n\nChannel 0: form for our services if you're happy to remain a client. We have just released some discounts. So normally, you'd be paying, like, point 65%, that kind of thing. But for everyone\n\nChannel 1: Okay.\n\nChannel 0: above 200,000, which you fall into that category, we do reduce the percentage of the fee. And then once you're above 500,000, there's a further discount as well.\n\nChannel 1: Oh, fantastic. Thank you so much.\n\nChannel 0: So that's just kind of what's in that pack there. If you're happy to sign off on that, we'll apply the new consent structure to Hub twenty four and apply those discounts.\n\nChannel 1: Okay. Right. Thank you.\n\nChannel 0: Amazing. Outside of that, is there anything you feel you you could use this side of Christmas? Anything you would like me to look into for you or touch base on?\n\nChannel 1: Nothing that comes to mind. Just yet. No. Not at this month. Not at this particular moment.\n\nNo.\n\nChannel 0: Cool. Look. If anything does deteriorate quicker and you feel like you need someone to talk to or a few ideas or tips on how to manage the finances with any major changes, please give us a call. I can walk you through a few ideas, kind of analyze the... Things a bit with you, and see if there's any options to assist.\n\nChannel 1: Okay. Fantastic. Thank you so\n\nChannel 0: Amazing.\n\nChannel 1: much for your time.\n\nChannel 0: Thank you for yours, Rhianna.\n\nChannel 1: Okay.\n\nChannel 0: Thank you so much for calling back in.\n\nChannel 1: That's okay.\n\nChannel 0: I'll leave that DocuSign with you. It's with our new Odoo system. So if you have any trouble with it, just give the team a call. They can walk you through it.\n\nChannel 1: All good. Have a great weekend, Tommy.\n\nChannel 0: You too.\n\nChannel 1: Thank\n\nChannel 0: Talk\n\nChannel 1: you.\n\nChannel 0: to you again soon.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Rhianna.","start":2.0,"end":3.04,"sentiment":"positive","sentiment_score":0.3969542880853017},{"text":"You're through to Tommy, senior adviser.","start":3.04,"end":4.96,"sentiment":"neutral","sentiment_score":0.2919451793034871},{"text":"Thank you so much for calling back in.","start":4.96,"end":6.8199997,"sentiment":"positive","sentiment_score":0.6858780086040497}],"sentiment":"positive","sentiment_score":0.49585635346524853,"channel":0,"num_words":17,"start":2.0,"end":6.8199997},{"sentences":[{"text":"That's okay.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.4679129868745804},{"text":"Tell me.","start":7.68,"end":8.0,"sentiment":"positive","sentiment_score":0.40505313873291016},{"text":"How are 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moment.","start":949.7,"end":958.02,"sentiment":"neutral","sentiment_score":-0.07986733553310235},{"text":"So I did just wanna pose the","start":958.02,"end":959.505,"sentiment":"neutral","sentiment_score":-0.014213276228734426}],"sentiment":"neutral","sentiment_score":-0.06576416545953506,"channel":0,"num_words":39,"start":947.22003,"end":959.505},{"sentences":[{"text":"Yeah.","start":960.36,"end":960.86,"sentiment":"neutral","sentiment_score":-0.09176866710186005},{"text":"Not at this stage.","start":961.875,"end":962.83496,"sentiment":"negative","sentiment_score":-0.4053487330675125},{"text":"I'm I'm going...","start":962.83496,"end":963.89496,"sentiment":"neutral","sentiment_score":-0.32679150501887005},{"text":"I know I probably should, but I just I just can't do it at the moment.","start":964.51495,"end":969.975,"sentiment":"negative","sentiment_score":-0.4761276952922344},{"text":"Like I said, my husband is sick, and he's off workers' 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the...","start":976.82,"end":981.62,"sentiment":"neutral","sentiment_score":-0.05821191959760406},{"text":"Until the end of this year.","start":981.62,"end":983.24,"sentiment":"neutral","sentiment_score":-0.15877303232749304},{"text":"So","start":983.78,"end":984.02,"sentiment":"neutral","sentiment_score":-0.06806854903697968}],"sentiment":"neutral","sentiment_score":-0.0922798810319768,"channel":1,"num_words":18,"start":976.82,"end":984.02},{"sentences":[{"text":"Yes.","start":983.89,"end":984.39,"sentiment":"neutral","sentiment_score":-0.10553495585918428}],"sentiment":"neutral","sentiment_score":-0.10553495585918428,"channel":0,"num_words":1,"start":983.89,"end":984.39},{"sentences":[{"text":"I just can't move anybody anywhere else at","start":984.02,"end":988.42,"sentiment":"neutral","sentiment_score":-0.20931369066238403}],"sentiment":"neutral","sentiment_score":-0.20931369066238403,"channel":1,"num_words":8,"start":984.02,"end":988.42},{"sentences":[{"text":"No.","start":988.265,"end":988.425,"sentiment":"neutral","sentiment_score":-0.10821615159511566}],"sentiment":"neutral","sentiment_score":-0.10821615159511566,"channel":0,"num_words":1,"start":988.265,"end":988.425},{"sentences":[{"text":"this","start":988.42,"end":988.605,"sentiment":"neutral","sentiment_score":-0.04514396563172341}],"sentiment":"neutral","sentiment_score":-0.04514396563172341,"channel":1,"num_words":1,"start":988.42,"end":988.605},{"sentences":[{"text":"That's totally fine.","start":988.425,"end":989.225,"sentiment":"neutral","sentiment_score":0.07948378846049309},{"text":"I'll give you an updated projection here for the super.","start":989.225,"end":992.265,"sentiment":"neutral","sentiment_score":0.09296152219176293},{"text":"Just a bit of a...","start":992.265,"end":992.90497,"sentiment":"neutral","sentiment_score":0.0006121948361396789},{"text":"Bear in mind, this","start":992.90497,"end":993.545,"sentiment":"neutral","sentiment_score":-0.0642664534971118}],"sentiment":"neutral","sentiment_score":0.04154826124960726,"channel":0,"num_words":22,"start":988.425,"end":993.545},{"sentences":[{"text":"moment.","start":993.40497,"end":993.90497,"sentiment":"neutral","sentiment_score":-0.0991434007883072}],"sentiment":"neutral","sentiment_score":-0.0991434007883072,"channel":1,"num_words":1,"start":993.40497,"end":993.90497},{"sentences":[{"text":"is very rough figures, but","start":993.545,"end":995.305,"sentiment":"neutral","sentiment_score":-0.14831913709640504}],"sentiment":"neutral","sentiment_score":-0.14831913709640504,"channel":0,"num_words":5,"start":993.545,"end":995.305},{"sentences":[{"text":"Okay.","start":995.165,"end":995.665,"sentiment":"neutral","sentiment_score":-0.05660034716129303}],"sentiment":"neutral","sentiment_score":-0.05660034716129303,"channel":1,"num_words":1,"start":995.165,"end":995.665},{"sentences":[{"text":"I wanna give you just a little bit of reassurance with where things are going.","start":995.305,"end":998.845,"sentiment":"positive","sentiment_score":0.4487624168395996},{"text":"So if I put in your updated salary, we've got 12% contributions now.","start":999.225,"end":1005.57,"sentiment":"neutral","sentiment_score":0.27550964745191425},{"text":"A little bit of tax comes off of those, so I'll just add in 11,424 a year of 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going.","start":1144.3099,"end":1145.75,"sentiment":"neutral","sentiment_score":0.12150881998240948},{"text":"If it's still doing what it's currently doing, I'll just do a portfolio update for you.","start":1145.75,"end":1150.33,"sentiment":"neutral","sentiment_score":0.11330097820609808}],"sentiment":"neutral","sentiment_score":0.11494254656136035,"channel":0,"num_words":20,"start":1144.3099,"end":1150.33},{"sentences":[{"text":"Yes.","start":1150.265,"end":1150.665,"sentiment":"neutral","sentiment_score":0.3070265054702759},{"text":"That'll be great.","start":1150.665,"end":1151.385,"sentiment":"positive","sentiment_score":0.6205371816953024},{"text":"Thank 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you through a few ideas, kind of analyze the...","start":1238.155,"end":1241.035,"sentiment":"neutral","sentiment_score":0.024139981095989544},{"text":"Things a bit with you, and see if there's any options to assist.","start":1241.035,"end":1244.3351,"sentiment":"neutral","sentiment_score":0.02203599435205643}],"sentiment":"neutral","sentiment_score":-0.025050607849917715,"channel":0,"num_words":63,"start":1225.4099,"end":1244.3351},{"sentences":[{"text":"Okay.","start":1244.395,"end":1244.7151,"sentiment":"neutral","sentiment_score":0.21131710708141327},{"text":"Fantastic.","start":1244.7151,"end":1245.2151,"sentiment":"positive","sentiment_score":0.506028950214386},{"text":"Thank you so","start":1246.03,"end":1246.51,"sentiment":"positive","sentiment_score":0.5958861907323202}],"sentiment":"positive","sentiment_score":0.5010009258985519,"channel":1,"num_words":5,"start":1244.395,"end":1246.51},{"sentences":[{"text":"Amazing.","start":1246.475,"end":1246.975,"sentiment":"positive","sentiment_score":0.43722814321517944}],"sentiment":"positive","sentiment_score":0.43722814321517944,"channel":0,"num_words":1,"start":1246.475,"end":1246.975},{"sentences":[{"text":"much for your time.","start":1246.51,"end":1247.65,"sentiment":"positive","sentiment_score":0.7047252506017685}],"sentiment":"positive","sentiment_score":0.7047252506017685,"channel":1,"num_words":4,"start":1246.51,"end":1247.65},{"sentences":[{"text":"Thank you for yours, Rhianna.","start":1248.0751,"end":1249.275,"sentiment":"positive","sentiment_score":0.7912658452987671}],"sentiment":"positive","sentiment_score":0.7912658452987671,"channel":0,"num_words":5,"start":1248.0751,"end":1249.275},{"sentences":[{"text":"Okay.","start":1249.07,"end":1249.57,"sentiment":"positive","sentiment_score":0.4328785240650177}],"sentiment":"positive","sentiment_score":0.4328785240650177,"channel":1,"num_words":1,"start":1249.07,"end":1249.57},{"sentences":[{"text":"Thank you so much for calling back in.","start":1249.275,"end":1250.97,"sentiment":"positive","sentiment_score":0.7293165698647499}],"sentiment":"positive","sentiment_score":0.7293165698647499,"channel":0,"num_words":8,"start":1249.275,"end":1250.97},{"sentences":[{"text":"That's okay.","start":1251.15,"end":1251.97,"sentiment":"positive","sentiment_score":0.47258883714675903}],"sentiment":"positive","sentiment_score":0.47258883714675903,"channel":1,"num_words":2,"start":1251.15,"end":1251.97},{"sentences":[{"text":"I'll leave that DocuSign with you.","start":1252.33,"end":1254.09,"sentiment":"positive","sentiment_score":0.4319390306870143},{"text":"It's with our new Odoo system.","start":1254.09,"end":1255.69,"sentiment":"positive","sentiment_score":0.5187754730383555},{"text":"So if you have any trouble with it, just give the team a call.","start":1255.69,"end":1258.25,"sentiment":"neutral","sentiment_score":0.279428447995867},{"text":"They can walk you through it.","start":1258.25,"end":1259.5499,"sentiment":"positive","sentiment_score":0.5028433551390966}],"sentiment":"positive","sentiment_score":0.3947920445352793,"channel":0,"num_words":32,"start":1252.33,"end":1259.5499},{"sentences":[{"text":"All good.","start":1259.71,"end":1260.2969,"sentiment":"positive","sentiment_score":0.683126837015152},{"text":"Have a great weekend, Tommy.","start":1260.3768,"end":1261.7568,"sentiment":"positive","sentiment_score":0.7911804676055908}],"sentiment":"positive","sentiment_score":0.7603080017226083,"channel":1,"num_words":7,"start":1259.71,"end":1261.7568},{"sentences":[{"text":"You too.","start":1262.09,"end":1262.57,"sentiment":"positive","sentiment_score":0.6133432984352112}],"sentiment":"positive","sentiment_score":0.6133432984352112,"channel":0,"num_words":2,"start":1262.09,"end":1262.57},{"sentences":[{"text":"Thank","start":1262.3768,"end":1262.6168,"sentiment":"positive","sentiment_score":0.6624312400817871}],"sentiment":"positive","sentiment_score":0.6624312400817871,"channel":1,"num_words":1,"start":1262.3768,"end":1262.6168},{"sentences":[{"text":"Talk","start":1262.57,"end":1262.73,"sentiment":"positive","sentiment_score":0.6441102623939514}],"sentiment":"positive","sentiment_score":0.6441102623939514,"channel":0,"num_words":1,"start":1262.57,"end":1262.73},{"sentences":[{"text":"you.","start":1262.6168,"end":1263.1168,"sentiment":"positive","sentiment_score":0.533290684223175}],"sentiment":"positive","sentiment_score":0.533290684223175,"channel":1,"num_words":1,"start":1262.6168,"end":1263.1168},{"sentences":[{"text":"to you again soon.","start":1262.73,"end":1263.71,"sentiment":"positive","sentiment_score":0.4623522013425827}],"sentiment":"positive","sentiment_score":0.4623522013425827,"channel":0,"num_words":4,"start":1262.73,"end":1263.71},{"sentences":[{"text":"See you.","start":1263.7368,"end":1264.2969,"sentiment":"positive","sentiment_score":0.4163178354501724},{"text":"Bye.","start":1264.2969,"end":1264.7969,"sentiment":"neutral","sentiment_score":0.2358391135931015}],"sentiment":"positive","sentiment_score":0.35615826149781543,"channel":1,"num_words":3,"start":1263.7368,"end":1264.7969},{"sentences":[{"text":"Bye.","start":1264.73,"end":1265.23,"sentiment":"neutral","sentiment_score":-0.1175137534737587}],"sentiment":"neutral","sentiment_score":-0.1175137534737587,"channel":0,"num_words":1,"start":1264.73,"end":1265.23}]},"summary":{"result":"success","short":"A senior adviser discusses the customer's annual review pack and updates her details, including retirement goals and savings. The speaker provides information on estate planning and beneficiary nominations, and offers two options for updating a life insurance policy. The customer expresses concern about the cost of living and the lack of service in her area, but the speaker suggests two ways to handle a will and provides information on the process and costs of doing a will. The speaker also discusses life insurance benefits and retirement goals, and provides an updated projection of retirement age and salary. The plan is recommended for growth and retirement, investments, and changes to financial situation."},"intents":{"segments":[{"text":"So what I was thinking for today is I was just gonna update a few of your details just with our new system. And what I've sent through to you is essentially just a bit of a summary on how the super has been going, a certificate for your insurances, and some updated service guides with Oakview and consent Okay.","start_word":205,"end_word":264,"intents":[{"intent":"Request update","confidence_score":0.002247006}]},{"text":"Now is there anything in particular you're hoping to get out of this year's review?","start_word":267,"end_word":281,"intents":[{"intent":"Provide information","confidence_score":0.004153526}]},{"text":"growing the super for retirement and then just kind of building your savings, paying down the mortgage. Does that sound about right? Yes.","start_word":375,"end_word":397,"intents":[{"intent":"Confirm retirement plan","confidence_score":0.0005604165}]},{"text":"We've got the address that we updated that. That's perfect.","start_word":417,"end_word":426,"intents":[{"intent":"Update address","confidence_score":0.5717324}]},{"text":"Can you just calculate that for me at Yeah. 2%? Yeah.","start_word":506,"end_word":516,"intents":[{"intent":"Calculate salary","confidence_score":0.7890315},{"intent":"Calculate cost of living and expenses","confidence_score":0.00011079091}]},{"text":"In terms of the assets and liabilities, so we had your motor vehicle listed down, no car loan, and then just the mortgage.","start_word":611,"end_word":633,"intents":[{"intent":"Discuss balance of assets and liabilities","confidence_score":0.00014559363}]},{"text":"The last things I'll update is just in terms of estate planning. We don't believe you'd put a will in place last time we No.","start_word":821,"end_word":845,"intents":[{"intent":"Update estate planning services","confidence_score":0.06301134}]},{"text":"if your doctor was to say you're unlikely to ever return to work in any occupation you're reasonably suited to, then you could theoretically launch a TPD claim as well.","start_word":2081,"end_word":2110,"intents":[{"intent":"Start tpd claim","confidence_score":0.03308934}]},{"text":"So as you pay down the mortgage, we're gonna have to possibly trim the cover down just so it doesn't jump up to, you know, 5,000, 8,000, $10,000 a year. Okay. Yeah.","start_word":2161,"end_word":2192,"intents":[{"intent":"Trim cover","confidence_score":0.2981871}]},{"text":"So we'll keep this one in place for the time being. If there's anything that happens where you feel like you need to claim, please give us a call. We can help you with the claim itself and provide claims advice as well. So we'll just do our best to kind of make it easier to go through the process and paperwork together. Cool.","start_word":2194,"end_word":2257,"intents":[{"intent":"Keep insurance","confidence_score":0.016658938}]},{"text":"If there's anything that happens where you feel like you need to claim, please give us a call. We can help you with the claim itself and provide claims advice as well. So we'll just do our best to kind of make it easier to go through the process and paperwork together. Cool.","start_word":2205,"end_word":2257,"intents":[{"intent":"Provide claims advice","confidence_score":0.42604122}]},{"text":"So what I'm sort of thinking in terms of of next steps, because you've been growth, you've got 80% of your funds in, say, shares and property and gold, like growth assets, 20% in the safer side of things. Does that make sense? Yep.","start_word":2360,"end_word":2403,"intents":[{"intent":"Explore next steps","confidence_score":0.0034726418}]},{"text":"We can kind of let it grow as a as a growth fund and kind of revisit reducing the risk when you're close to retirement. So you obviously don't wanna stay growth to the age of 65, and then you lose a third of it a year before you go to live off of it, if that makes Yeah.","start_word":2434,"end_word":2492,"intents":[{"intent":"Discuss growth potential","confidence_score":0.00007919404}]},{"text":"There is one thing I will keep an eye on, which is just in terms of your investments.","start_word":2969,"end_word":2986,"intents":[{"intent":"Assist with investments","confidence_score":0.0031948984}]},{"text":"If it's still doing what it's currently doing, I'll just do a portfolio update for you. Yes.","start_word":3199,"end_word":3215,"intents":[{"intent":"Update portfolio and discuss discounts","confidence_score":0.0018520916}]},{"text":"If anything does deteriorate quicker and you feel like you need someone to talk to or a few ideas or tips on how to manage the finances with any major changes, please give us a call. I can walk you through a few ideas, kind of analyze the... Things a bit with you, and see if there's any options to assist. Okay.","start_word":3416,"end_word":3477,"intents":[{"intent":"Provide assistance in managing finances and analyzing finances","confidence_score":0.0000013224869}]}]},"sentiments":{"segments":[{"text":"Good morning, Rhianna.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.3933379352092743},{"text":"You're through to Tommy, senior adviser.","start_word":3,"end_word":8,"sentiment":"neutral","sentiment_score":0.2931218147277832},{"text":"Thank you so much for calling back in. That's okay. Tell me.","start_word":9,"end_word":20,"sentiment":"positive","sentiment_score":0.567908763885498},{"text":"How are you?","start_word":21,"end_word":23,"sentiment":"neutral","sentiment_score":0.3277808427810669},{"text":"I'm doing fantastic. It is a beautiful Friday. How are you doing?","start_word":24,"end_word":35,"sentiment":"positive","sentiment_score":0.6543975472450256},{"text":"Oh, well, I am in a day a few days ago, but I'm sorry.","start_word":36,"end_word":49,"sentiment":"neutral","sentiment_score":-0.08806607872247696},{"text":"I'm still sick.","start_word":50,"end_word":52,"sentiment":"negative","sentiment_score":-0.4119775295257568},{"text":"I'm trying to get better, but... Yeah. No. That's totally I'll get fair better enough. eventually. It's... The the season kind of affects us all. Do you... Are you still okay to kind of go through a bit of an annual Yeah. review Yeah. with me Yeah. this morning? Yeah. No. Absolutely.","start_word":53,"end_word":104,"sentiment":"neutral","sentiment_score":-0.06986787170171738},{"text":"Perfect.","start_word":105,"end_word":105,"sentiment":"positive","sentiment_score":0.3420692980289459},{"text":"I won't try to get you to use your voice too much, but there's obviously a few things that I need to run by you. Of course. Just get your your thoughts on too. I have an annual review pack that I'm gonna send through to your Gmail address. Will you be able to look onto it with me today, or should I just kind of walk you through what I'm If you can just walk me through what you've got... What you're saying because I'm not in front of my computer at the moment. sending? That's totally fine. So what I was thinking for today is I was just gonna update a few of your details just with our new system. And what I've sent through to you is essentially just a bit of a summary on how the super has been going, a certificate for your insurances, and some updated service guides with Oakview and consent Okay. forms. Cool. Now is there anything in particular you're hoping to get out of this year's review? No. I might just ask a few questions right on for you, but not not really at the moment. No. Perfect. Just give you a bit of a general update. Any questions you do have, I'll do my best to answer. And if there's Sure. any advice that we need to do, I'll kind of walk you through some steps. Cool. Now in terms of overall goals, just to kind of catch up on things, most of what I'm kind of seeing on your file is really just to focus on, obviously, Okay. growing the super for retirement and then just kind of building your savings, paying down the mortgage. Does that sound about right? Yes. Yes.","start_word":106,"end_word":398,"sentiment":"neutral","sentiment_score":0.09799575762435438},{"text":"Perfect.","start_word":399,"end_word":399,"sentiment":"positive","sentiment_score":0.5827138423919678},{"text":"Anything else that you're working on in the next one to three years? No. That's 318.","start_word":400,"end_word":415,"sentiment":"neutral","sentiment_score":0.15223698318004608},{"text":"Perfect.","start_word":416,"end_word":416,"sentiment":"positive","sentiment_score":0.38114655017852783},{"text":"We've got the address that we updated that.","start_word":417,"end_word":424,"sentiment":"neutral","sentiment_score":0.27860385179519653},{"text":"That's perfect.","start_word":425,"end_word":426,"sentiment":"positive","sentiment_score":0.48084506392478943},{"text":"We have you married with no dependents. Is that correct? I do have one child. One child. Are they under or over 18? Under. Under. Perfect. In terms of the the occupation, so last time we checked, you were working for employment here, doing sort of payroll implementation. Is that right? Yeah. I'm still doing that. Perfect. I know we've just gone past tax season. I think we had you at about a 110,000. Has that changed much? Yes. Can you just calculate that for me at Yeah. 2%? Yeah. Absolutely. So just a bit of a 2% bump up from that base Yeah. salary. Yeah. I know they should be ashamed of themselves, but that's okay. It's okay. So 112,200. I'll add that in there. How are you going with, obviously, the cost of living and everything in terms of budgeting and and savings? Yeah. I know it's, Yeah. well, it's a It's bit hard. rough Yeah. It's really hard. Obviously, I had quite a massive hard year, so there is no service that we're at talking of the anymore. moment. Yeah. Absolutely. In terms of the assets and liabilities, so we had your motor vehicle listed down, no car loan, and then just the mortgage. Mhmm. Not sure if you know off the top of your head, but it was 462,000 owing last time. Have you paid much On the of that mortgage? off? Yes. Yeah. I think it's sitting on $4.40 at the moment. $4.40. No worries. And no other loans or assets No. No. outside of that? No. Perfect. And I know it's a bit hard to do property values at the moment just because the market's kind of going up and down. I'm just gonna do a quick online check. I think we had you at about eight hundred thousand. They are saying online that you're possibly up to about 1,000,000 in value. What is that? The house? Yeah. The home value. Oh, I I don't know. My husband keeps looking at that, and I'm pretty sure that that was roughly the figure that he has mentioned eight weeks ago. So, yeah, I would Cool. say that to my wife.","start_word":427,"end_word":791,"sentiment":"neutral","sentiment_score":-0.02825272435654108},{"text":"Perfect. I'll go with that for the time being.","start_word":792,"end_word":800,"sentiment":"positive","sentiment_score":0.527549147605896},{"text":"Obviously, there may be some changes the next six months if what's going on in the market. Yeah. Exactly. Scary. The last things I'll update is just in terms of estate planning. We don't believe you'd put a will in place last time we No. How do I go about doing that? Is that somebody else that I need to contact to get this done or spoke. Yeah. set So there's services a few options. you guys offer as well? We we do link up with some solicitors that do online wills for... With a discount if you might find that helpful. Okay. Yeah. But do you know what do you know what they charge for that? Oh, I'll I'll have to get the up to date figures, but I think it could be somewhere between $4.04 to 600. Oh, wow. I do Okay. know they have government approved wheel kits at the post office, which are more basic, but they're about $25 a pop Do for they that. actually... Are they actually valid if you get them and fill them in? What what what do you do with them afterwards? So they've got some instructions on, you know, Oh, registering they do. Okay. wills with the state. They... They're government approved. They're just very basic. That's Okay. Yeah. I mean, we we we don't have much complications anymore all. that needs to go anywhere, but I think Perfect.","start_word":801,"end_word":1039,"sentiment":"neutral","sentiment_score":-0.0015330403111875055},{"text":"the basic is all that we need.","start_word":1040,"end_word":1046,"sentiment":"positive","sentiment_score":0.4294523596763611},{"text":"And in terms of the beneficiary nominations, we've got James listed as beneficiary for the super, for the Yep. life insurance, so that's all still okay to leave as is. Yep. I just... I wanna ask you something, and I'm I'm not sure if if you can or can't, but, obviously, there's a few changes that happened with James. Is... Do you think... Is it appropriate to have him the only one on here, or is it appropriate to have my son's name on there as well? Or what what what is the way the people normally go? So the the bit that you've gotta be careful on, so there's two ways that people normally do it. The Yeah. more foolproof way of doing it is, let's say, you put in place a a will, and for example, Yeah. you can do, like, a testamentary trust will where if you pass away, it opens up a trust fund for for your son. It'll then allow you to direct your super... Your life insurance into your estate to be distributed that way.","start_word":1047,"end_word":1227,"sentiment":"neutral","sentiment_score":0.09774063527584076},{"text":"That's the the most foolproof way.","start_word":1228,"end_word":1233,"sentiment":"positive","sentiment_score":0.3950098752975464},{"text":"The Yes. second option is if you do directly nominate a child, if they receive the funds while they're under 18, you just have to understand that whoever their guardian is will essentially be in control of the money. Okay. So would you like to update that and do a bit of a split between the two, or would you prefer to kind of leave as is and maybe go for the wheel route down the line? Where would Listen. you lean? I will eventually go and get the wheel from the post office because we really need to do that. My Mhmm. husband's got he's got cancer, Yeah. and he's got stage four.","start_word":1234,"end_word":1347,"sentiment":"neutral","sentiment_score":0.042512282729148865},{"text":"And he's just going downhill a bit.","start_word":1348,"end_word":1354,"sentiment":"negative","sentiment_score":-0.3353344202041626},{"text":"So that's why I asked the question. It might be, you know, worthwhile doing the will and then maybe, like, the the first option, like you've mentioned, put it in the trust fund once something happens to me, you know, for my son. Because he's he's Yes. he's only 16. So, you know, fingers crossed nothing happens while he's under 18. Yeah. And then he's gotta go old enough anyway at that age. Yeah. And it's a it's a big thing too because let's say, you know, there's almost $240,000 sitting in super at the moment. And Yeah. then on top of that, you've got over $500,000 worth of life insurance too. So it's quite Yeah. a bit of funds to make sure that, you know, if it comes out and pays off the mortgage and then is is looked after for them, it's definitely worth investigating. As soon as you do put something like that in place, we can always update the beneficiary Yeah. nominations Okay. as well.","start_word":1355,"end_word":1523,"sentiment":"neutral","sentiment_score":0.008964312995767451},{"text":"Okay. Thank you. Cool.","start_word":1524,"end_word":1527,"sentiment":"positive","sentiment_score":0.4950833916664123},{"text":"Outside of that, so just speaking about that that insurance for a quick moment. I mentioned 551,000 of life and disability insurance. That will obviously pay off the mortgage, leave about 300,000 leftover of insurance and super. Just wondering Mhmm. how you're feeling about that amount, that scenario, if that sounds appropriate for Yeah. That that that... That's that's okay for now. I don't wanna make just make you. too many changes. Yep. And that's the thing too is we can, you know, increase it so that there's this really good looking after, but then the premiums increase and it slows down the Yeah. super. So I need to balance the two. Yeah. Yep. Yep.","start_word":1528,"end_word":1642,"sentiment":"neutral","sentiment_score":-0.034899767488241196},{"text":"Perfect.","start_word":1643,"end_word":1643,"sentiment":"positive","sentiment_score":0.5008894205093384},{"text":"One thing I'll quickly run by you is you don't have trauma insurance. You've got life disability and income protection. Just to let you know that there is a type of insurance you can pay out of pocket for, like, a lump sum if you do have a heart attack, stroke, or cancer. Typically, you know, a $100,000 to help with hotels and medical costs and things like that. If you ever get to a point where you do have the spare cash flow, I can do a quote for you. If cash flow is tight, I just wanted to let you know it does exist as an option. Yeah. I'm really trying to know. Like I said earlier, this... My my dad just passed earlier this year, and I had to go back home when I paid for the funeral. So Yeah.","start_word":1644,"end_word":1786,"sentiment":"neutral","sentiment_score":0.06288657269694588},{"text":"there's quite a bit of more cash from that that that is now gone.","start_word":1787,"end_word":1800,"sentiment":"negative","sentiment_score":-0.3406848907470703},{"text":"So that seems like it for now. However... But I do wanna ask you, you've just mentioned something. It's called... What is it called? Trauma insurance Yeah. or something? Trauma is the fourth type for that specific scenario. Yeah. Mhmm. Okay. Your income the income... You've got... Apologies if I'm jumping in here. The income protection, what is that sitting on at the Yes. moment? So you have 5,170 a month worth of cover. So think of it as a little bit over maybe 1,200 a week after tax would be paid Okay. out if you were ill or injured for more than a month off work. Okay. And how long does that... Apart? No. You're more than okay. So the benefit period is Mhmm. Yeah. five years, like, per claim. So if you were injured and ill for up to five years, it could pay you out. Yeah. If you get to the point where, obviously, you know, five years, generally, if you're not going back to work after that, you would do a TPD claim for that 500,000 lump sum on top. Yep. Yeah. And how long is the waiting period before the time can actually go in? Oh, So sorry. for Before the client e... actually fixed No. You're okay. So for income protection, if you're in. off work for thirty days and it looks like you're not going back to work for a period of time, you can Yep. launch a claim straight away. And then once the thirty days has elapsed, they can start the, you know, back paying the payments to thirty Okay. days and onwards. For TPD, it's definition based. So Okay. if your doctor was to say you're unlikely to ever return to work in any occupation you're reasonably suited to, then you could theoretically launch a TPD claim as well.","start_word":1801,"end_word":2109,"sentiment":"neutral","sentiment_score":-0.017522812278453006},{"text":"Okay. Thank you. Cool. Premiums for those, they're sitting at 2,600 out of the super.","start_word":2110,"end_word":2124,"sentiment":"positive","sentiment_score":0.4059274196624756},{"text":"There's a 15% rebate that dropped to 2,200. So it's not too large of a cost right now, but I will let you know that once you hit over the fifties, it can start to accelerate. So as you pay down the mortgage, we're gonna have to possibly trim the cover down just so it doesn't jump up to, you know, 5,000, 8,000, $10,000 a year. Okay. Yeah.","start_word":2125,"end_word":2192,"sentiment":"neutral","sentiment_score":0.15186642110347748},{"text":"Cool. So we'll keep this one in place for the time being.","start_word":2193,"end_word":2204,"sentiment":"positive","sentiment_score":0.3518041968345642},{"text":"If there's anything that happens where you feel like you need to claim, please give us a call.","start_word":2205,"end_word":2222,"sentiment":"neutral","sentiment_score":0.16561289131641388},{"text":"We can help you with the claim itself and provide claims advice as well. So we'll just do our best to kind of make it easier to go through the process and paperwork together.","start_word":2223,"end_word":2256,"sentiment":"positive","sentiment_score":0.36042720079422},{"text":"Cool. Alright. Any other questions on the insurance before I jump into the super?","start_word":2257,"end_word":2270,"sentiment":"neutral","sentiment_score":0.14101245999336243},{"text":"Perfect.","start_word":2271,"end_word":2271,"sentiment":"positive","sentiment_score":0.37714430689811707},{"text":"Now with the super... So since you've come on board, I'm having a look. It's kind of been that three year mark, so to speak. You've Yep. had 8% worth of returns since you've come on board, which for your growth risk profile, which is kinda like a four out of five on the risk scale, you're aiming at an average of, say, 9% per annum is your benchmark.","start_word":2272,"end_word":2340,"sentiment":"neutral","sentiment_score":0.1901770830154419},{"text":"You've achieved a little over 12% after fees since you've become a client of. Wow. Okay. That's pretty good.","start_word":2341,"end_word":2359,"sentiment":"positive","sentiment_score":0.4092447757720947},{"text":"So what I'm sort of thinking in terms of of next steps, because you've been growth, you've got 80% of your funds in, say, shares and property and gold, like growth assets, 20% in the safer side of things. Does that make sense? Yep. Yep. Yep. So the options that you've got is you can... You've... Because you're on the 6 figure income, you've got good contributions coming in, not too much in fees. We can kind of let it grow as a as a growth fund and kind of revisit reducing the risk when you're close to retirement. So you obviously don't wanna stay growth to the age of 65, and then you lose a third of it a year before you go to live off of it, if that makes Yeah. sense. Yeah. Yeah. Of course. Yeah. Yep. Now growth is usually recommended to have a minimum time frame of eight years. You've still got fourteen years until preservation age at 60, so we still Mhmm. do have a lot of time up our sleeve. Okay. I probably wouldn't... Unless you were really itching to try and increase the returns, I probably wouldn't look at increasing your risk level at this point just given what's going on in the world. The markets are going up and down like crazy. And if we went up to, like, a high growth, you may get a couple of percent more returns, but then also you could be talking to me next year and be sitting at a 180,000 in the Yeah. No. super. Cool. I will ask the question around contributions if you wanted to look at any salary sacrifice to super, but I know you've got a lot going on at the moment. So I did just wanna pose the Yeah.","start_word":2360,"end_word":2660,"sentiment":"neutral","sentiment_score":0.05862792115349112},{"text":"Not at this stage. I'm I'm going... I know I probably should, but I just I just can't do it at the moment. Like I said, my husband is sick, and he's off workers' comp. He's got two frozen shoulders as well.","start_word":2661,"end_word":2702,"sentiment":"negative","sentiment_score":-0.4176342189311981},{"text":"Yeah. Yep. So we're potentially sitting on one salary, most likely for the... Until the end of this year. So Yes. I just can't move anybody anywhere else at No. this That's totally fine. I'll give you an updated projection here for the super. Just a bit of a... Bear in mind, this moment. is very rough figures, but Okay.","start_word":2703,"end_word":2762,"sentiment":"neutral","sentiment_score":-0.057580504566431046},{"text":"I wanna give you just a little bit of reassurance with where things are going.","start_word":2763,"end_word":2777,"sentiment":"positive","sentiment_score":0.4411221444606781},{"text":"So if I put in your updated salary, we've got 12% contributions now. A little bit of tax comes off of those, so I'll just add in 11,424 a year of contributions. Now if you go as a growth fund, let's say, for the next fourteen years with your current salary, you could still creep up towards 900,000, possibly 1,000,000 by the age of 60 and easily be producing 50 to $75,000 a year worth of tax free income. Okay. That's not too bad.","start_word":2778,"end_word":2861,"sentiment":"neutral","sentiment_score":0.18369342386722565},{"text":"Yeah. So you're not behind for your age, but you're also getting good returns to the point where, you know, that would last a good twenty five years or more if you, you know, conservatively pulled funds out, went on a few holidays, things like that.","start_word":2862,"end_word":2907,"sentiment":"positive","sentiment_score":0.38888517022132874},{"text":"Even if you pulled out more, it would still last for quite a while. If that depletes below 600,000, you get the age pension.","start_word":2908,"end_word":2931,"sentiment":"neutral","sentiment_score":0.14094358682632446},{"text":"We'll top you up a little bit too.","start_word":2932,"end_word":2939,"sentiment":"positive","sentiment_score":0.4355311393737793},{"text":"So you're in a very good trajectory as it is without worrying about having to try and push more money into it or take on more risk. Okay. K? There is one thing I will keep an eye on, which is just in terms of your investments.","start_word":2940,"end_word":2986,"sentiment":"neutral","sentiment_score":0.2131100744009018},{"text":"Pretty much all of them have done fantastic.","start_word":2987,"end_word":2994,"sentiment":"positive","sentiment_score":0.34997713565826416},{"text":"There is one option in particular that has been kind of lagging the Australian market, a Benelon option that I would like to keep an eye on. If that Mhmm. doesn't kind of pick up its feet next year, I'll probably have to replace that one. And there's also some term deposits called bank hybrids that the government is phasing out the next couple of years. We'll probably jump on replacing that one next year as well. Okay. Sorry. What is the one in Australia that you said that is the gliding? It's called Benelong. Benel. Okay. Yeah. So you'll hear that name from me next time we talk and and pretty much in the reports you'll be able to see.","start_word":2995,"end_word":3115,"sentiment":"neutral","sentiment_score":-0.006605095230042934},{"text":"Everything is is growing really well.","start_word":3116,"end_word":3121,"sentiment":"positive","sentiment_score":0.5776947736740112},{"text":"You've got your, you know, battery tech and lithium, which is like your electric vehicles White. has Okay. jumped up quite a bit, but that's the one to sort of keep an eye on. I don't see any reason to kind of overhaul anything at this point. But if it's okay for you, I would like to maybe put in a bit of a catch up in the new year just to Yep. see how it's going. If it's still doing what it's currently doing, I'll just do a portfolio update for you. Yes.","start_word":3122,"end_word":3215,"sentiment":"neutral","sentiment_score":0.06402947753667831},{"text":"That'll be great. Thank you. Perfect.","start_word":3216,"end_word":3221,"sentiment":"positive","sentiment_score":0.612637460231781},{"text":"Alrighty. Do you have any questions so far? No. All good.","start_word":3222,"end_word":3232,"sentiment":"neutral","sentiment_score":0.1652536392211914},{"text":"Thank Cool.","start_word":3233,"end_word":3234,"sentiment":"positive","sentiment_score":0.391131728887558},{"text":"I do have a bit of extra good news as well. So with Oakview, that pack that I sent out for you does have a consent you. form for our services if you're happy to remain a client. We have just released some discounts. So normally, you'd be paying, like, point 65%, that kind of thing. But for everyone Okay. above 200,000, which you fall into that category, we do reduce the percentage of the fee. And then once you're above 500,000, there's a further discount as well. Oh, fantastic.","start_word":3235,"end_word":3324,"sentiment":"neutral","sentiment_score":0.1338701993227005},{"text":"Thank you so much.","start_word":3325,"end_word":3328,"sentiment":"positive","sentiment_score":0.4392348825931549},{"text":"So that's just kind of what's in that pack there. If you're happy to sign off on that, we'll apply the new consent structure to Hub twenty four and apply those discounts. Okay. Right. Thank you.","start_word":3329,"end_word":3364,"sentiment":"neutral","sentiment_score":0.2000875025987625},{"text":"Amazing.","start_word":3365,"end_word":3365,"sentiment":"positive","sentiment_score":0.41236141324043274},{"text":"Outside of that, is there anything you feel you you could use this side of Christmas? Anything you would like me to look into for you or touch base on? Nothing that comes to mind. Just yet. No. Not at this month. Not at this particular moment. No. Cool. Look. If anything does deteriorate quicker and you feel like you need someone to talk to or a few ideas or tips on how to manage the finances with any major changes, please give us a call. I can walk you through a few ideas, kind of analyze the... Things a bit with you, and see if there's any options to assist. Okay.","start_word":3366,"end_word":3477,"sentiment":"neutral","sentiment_score":0.001105539849959314},{"text":"Fantastic. Thank you so Amazing. much for your time. Thank you for yours, Rhianna. Okay. Thank you so much for calling back in. That's okay. I'll leave that DocuSign with you. It's with our new Odoo system.","start_word":3478,"end_word":3514,"sentiment":"positive","sentiment_score":0.589626394413613},{"text":"So if you have any trouble with it, just give the team a call.","start_word":3515,"end_word":3528,"sentiment":"neutral","sentiment_score":0.29117611050605774},{"text":"They can walk you through it. All good. Have a great weekend, Tommy. You too. Thank Talk you. to you again soon. See you.","start_word":3529,"end_word":3552,"sentiment":"positive","sentiment_score":0.5941260457038879},{"text":"Bye. Bye.","start_word":3553,"end_word":3554,"sentiment":"neutral","sentiment_score":0.19439785182476044}],"average":{"sentiment":"neutral","sentiment_score":0.07376778455284552}}}}