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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just to make sure that I'm speaking with the correct person, can you confirm your full nine full name, date of birth, and address, please? Beautiful. Purpose of my call today is to ring and complete your annual review with your self and, Megan. Sorry. Yes. Yep. Beautiful. Hi, Megan. Can I also get you to confirm your full name, date of birth, and address, please? Fantastic. Thank you so much to the both of you for confirming that. How are you both doing today? That's good. That's good. I'm good. Thank you. Are you in the car at the moment? Yeah. Is it okay to still talk? Or yeah? Okay. Alright. Fantastic. What I would like to start our review off by doing, if that's okay, is just running through the personal and financial information that you have on file. Because the last time we spoke, you were getting you were in a lead up to your wedding, and I suspect some things have probably changed since then. So I'd like to just run through if that's okay. So you're both now married? Yeah. Congratulations. And, also, do you have any dependents yet? Oh, congratulations. How far along are you? Oh, wow. That's very exciting. So when's the due when's due date? Mid January? Oh, wow. That's that's fantastic. Oh, congratulations to you both. Exciting times ahead. Yeah. Okay. I just wanna check employment details. Now, Michael, we have you down as a plumber. Is that still correct? Okay. Yeah. Okay. Fraser Coast Council. Beautiful. And is it a lot of field work, or do you spend time in the office? Yep. Mhmm. So would it be like you previously had you had down about 80% field, which is on the out of the office, basically, and 20% in the office. Would that be correct? Or if yep. Okay. Okay. Beautiful. And when did you start with Fraser Coast Council? Okay. That's okay. It doesn't need to be Yeah. Doesn't need to be exact. That's alright. And so you're an employee now? Beautiful. And how many hours per week? Yep. Yep. Beautiful. Now, Megan, I actually don't have a lot of information down here on file that's current. I know that you're probably gonna be coming up to maternity leave shortly. Let me just flick over to another screen. Sorry. Because excuse me. I just wanna make sure everything that we actually do have is up to date. Alright. Here we go. We had you done as a physiotherapist. Is that still right? Yep. Beautiful. In all in office or in in in clinic, I should say. Yeah. Hospital. Yep. Beautiful. And full time still? Yep. When do you plan on starting maternity leave? Mid December. And how long do you think you will be on maternity leave for? Yep. Okay. Fantastic. Beautiful. And is that all paid, like, with the hospital, or what what is yep. Yep. Okay. Okay. Fantastic. Beautiful. That's a good plan. Income wise, Michael, we had you at 70. Has that changed? 100 plus super. Beautiful. And, Megan, we had you at 94. Yep. Beautiful. Okay. We had your expenditure per week of $400 each. So 800 between the two of you. Do you think that's still correct? Yep. Just yeah. I was gonna say would the does the 800 a week include the mortgage, or is the mortgage separate? How much per week do you do on the mortgage or fortnightly, whichever frequency you pay it? Okay. Beautiful. And is that the minimum, or are you paying extra? Minimum? Okay. Yep. Just you've just kept it. Yep. Beautiful. And we had your savings at $200 each week. Would that still be right? Yep. Okay. And with the savings, is that going into an offset account, or is it going into a is it going any anywhere in particular? The is it tagged for anything? Yep. Okay. Beautiful. Okay. So okay. Fortnight. So 200 each a fortnight personally just saving. Yep. Into the into the offset. Yep. Fantastic. Got that. Beautiful. Either of you do do you both get the standard 12% in super, or do you get more? Mhmm. Yep. Yep. Okay. What about you self, Megan? Yeah. Do you know what what hospital are you in Queensland Health? Yep. Yeah. Yep. I can look that up. That's easy. No. That's okay. Then also so asset wise, we have the house at valued at 700,000. Would that be correct still? Yep. Yep. Okay. Okay. Beautiful. And I had the I had the debt sitting at 600. Is that right? Beautiful. Fantastic. And we had two cars. One valued at 15 and one valued at 5. Would that be right? And no debt attached to those? No. Megan, we had a hex debt here of 40. Is that still Okay. Sorry? Oh, yeah. Of course. Thank you. And I also have a share portfolio noted here with a balance of about 1,000. Is that still current? Yep. Okay. Did you How much? Sorry? In the share portfolio. Beautiful. Alright. Fantastic. Now with your savings each, how much do you have in your savings account if you're comfortable sharing? It's up to you. Yep. Beautiful. Yep. And how much is in your offset? With your savings, are you saving for anything in particular, or is it a rainy day fund or a an emergency fund? Yep. Yep. Yeah. Yeah. Of course. Yep. Okay. So you use your savings to buy. Yep. Yep. Yep. Yeah. Okay. Okay. 20 $6,800. Beautiful. Lovely. Do you know what sort of car you're looking at? They're amazing. I have one. No. It they're they're a great car, super reliable. Yeah. Fantastic, to be honest with you. I love mine. Assets and liabilities wise, anything else that you have? Yeah. Beautiful. And how much is that? Yeah. Okay. Beautiful. Yeah. Okay. Too easy. Beautiful. Yes? Oh, alright. Fantastic. Now with your health and lifestyle, you're both are you both still nonsmokers? Yep. Beautiful. Do you take any medication or have any significant health issues? No. Do you have private health care? Yep. And who's that with? Yep. Yep. C u a. Beautiful. Alright. And do you have wills or power of attorney? No. Okay. Yes. Yes. Yes. I can talk to you more about that as well and help guide and give you some some pointers if you like. What I'm going to do is your boss will receive I'm just gonna see. No. That's okay. It's on here for me to get those over to you, so that is absolutely fine. Don't stress too much. I am going to when you have a chance, you'll see that in your emails that you will have a annual review document. So I'm gonna talk to these a little bit with that. Sorry. One moment. It's the computer is not playing nice with me today. You'll both receive it, and it's gonna have the documents that I'm gonna talk through with you both attached. There are some signature pages at the end, but when you click on the link, you won't need to you click sign, and it will open the documents, but you don't actually need to sign anything. We're gonna work walk through them first. And the first document in that pack is what we call our summary of insurances, a summary of superannuation insurances. So it's just gonna give you a very brief overview of the types of cover you have. So, Michael, your super is with hub twenty four where you both are. Your balance sits at about $127,011, and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund. Megan, your sorry. I'm looking skipping pages here. I'm gonna split my screen, actually. Megan, yours is also with Hub twenty four, and your sitting balance is sitting at 47,744. And your cover's with Zurich for life, TPD, and income protection. And, again, they're funded through your hub twenty four member balance. Now, Megan, it's probably gonna be a bit difficult for you to review covers at the moment when your pregnant insurance company is kind of put on hold covers. But it's potentially worth having a conversation and planning with a dependent and on on the way and debt levels and things such as thinking about if something was to happen to either of you, how would you financially survive? Would would the remaining partner go back to work and the time frame and all these really, really confronting questions. So it is probably worth having a conversation about insurances and reviewing whether your covers are appropriate for your impending family change shortly. So we can we can do that now, or we can look at it later. Megan, you're insured for about a million dollars, just over a million dollars. Michael, you're insured for about $445,000. So there's definitely a need to look at reviewing these. It it it's really just probably dependent on your time frame and when you wanna do it. Alright. Sorry? Sorry? Yep. Alright. Beautiful. I will I'll revert back to that shortly and ask a few more probing questions. So I apologize in advance for that. The next document that you will both see in your pack is a performance report. Michael, I'll start with yours. Overall, the return sat at about 5.63%, and that's after fees. Within your funds, though, when you open the document, it hasn't performed as much as we would expect a high growth portfolio to perform, and that's mainly due to one of the funds that's held in there. And it's the very first one when you look at the report, Ben along Australian Equities Fund. They unfortunately returned a negative return of 15.94% in the last twelve months. The reason being not that the invest the Australian share market is underperforming in any means. It's the investment mandate that Banner Long adheres to. So their mandate is to identify what they feel are underperforming or undervalued sorry, undervalued funds within the Australian share market for growth opportunities. Last twelve months or so, it's been the banks and the big institutions that have performed from a growth perspective. So the the investment mandate, so to speak, have been along. And not that they're a bad investment manager, it just hasn't been hasn't been lucrative in the last twelve months or so. So what I would like to do with your permission, Michael, is look at other options that we could look at to replace Benelon just to to make sure that it's still it's appropriate to meet your goals and objectives, but also, you know, be proactive in our response to that. So, usually, we don't we're not super reactive to negative returns, but systemic ongoing ones, we start to look into a little bit further. Beautiful. Beautiful. Yep. Fantastic. Beautiful. And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid. Now the Australian banking framework is gonna change in the in the next little bit, actually. January 2027, they're gonna be phasing out the Australian banks will phase out their hybrids. Rather than sit and wait, I would like to take the approach as to seeing if there's a better yeah. Be a bit more proactive. See if there's a better option. I'm I'm not inclined to sit and wait and see what the replacement option will be offered from the banks. I mean, it's it's still doing a good return. It's still valued well presently. So I'd like to just see what are the implications, if any, of us looking at replacing that also if that's alright with you. Fantastic. And with the rest of your portfolio, you've got a pretty good allocation the international equity space at where at the moment we see a fair bit of value because you've got exposure to a lot more larger companies. Within the portfolio, you've got access to some niche markets being global cyber, battery and battery tech and lithium. You've got some gold exposure. So those niche markets, which we call satellite investments, you don't have a significant over you know, you're not significantly over invested in them, but you've got exposure to them. And then you've also got some exposure to China as well, which is a emerging economy as always. So your portfolio, we're pretty happy with as an overall. It's just those two options that we'd like to look at investigating a little bit further. Beautiful. Now with yours, Megan, you've got the two funds within yours. Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option. So you've got and I think it probably comes down to balance at the moment. It's you're in the Vanguard diversified growth model and the Vanguard diversified high growth model. Great funds. I like Vanguard. Good old Vanguard. They're fantastic. I just wanted to get a gauge of where you're at with that. I mean, we could probably look at investing you across a a portfolio similar to Michael's, but I do worry if the exposure in some of those are only gonna be, you know, like, a thousand dollars here or there until your super balance continues a little more. So I really wanted to probably gauge what your thoughts were on that. Yeah. Yeah. Yep. Yep. Yeah. Beautiful. So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor. So, typically, from the last risk profile, like, that's an eighty twenty split. So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael, you're a high growth, which is a ninety ten split. So we can definitely look at that as well, Megan. So I'll circle back to that risk profile as well along with the insurance. Yeah. Okay. Beautiful. I just wanted to understand from your perspective in your own words that how the Vanguard options came about. So that's beautiful. I understand that. Speaking of Vanguard, the next document in the pack is the Vanguard index chart. We supply this as a nice little visual. It explains well, if you look when you'd have a chance or if you're looking at it now, Megan, I'm not sure, you will you'll see the top four assets. They're your growth assets. So they're the one that I alluded to that it's for Michael, you're invested in 90% of it. Megan, at the moment, you're about 80%, and they're they're your growth assets. So you'll see that in the chart, they're the ones that experience the most volatility, and you can attribute a lot of the volatility to world events. In a high growth portfolio, we always say you have an investment time frame of at least eight years. So given that you're both Michael, you've got twenty seven years, so you can access super. Megan, you've got thirty three years, so you can access super based on today's legislation and super access rules. You have time on your side. So you are able to take that to the higher risk. If a 100 percent. Yeah. If you were five years away, we'd be having a different conversation. So and then, you know, the Australian bonds and the cash, they're the defensive part of your portfolio. So you will see over the long term, they do experience a little bit of growth as to say, but their job in the portfolio is to really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio. The next order documents are your certificate of currency. So, Michael, at the moment, you're insured for life and TPD of 444,893, and your income protection is $4,423 per month. Now what I'm going to do sorry. Doing a little calculation. Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior? Yeah. Okay. Yeah. I think what we might do is have a look at I'm just gonna do another quick calculation. $495.08. Yeah. At the moment, I don't think it's worth looking at increasing your income protection. The reason being and I can put this all in an email for you guys to have a consider. Based on 85, we would book an income protection sum insured increase of $535 a month. We wouldn't be able to increase it to 70% of the 100,000 until you could prove that you were earning for a whole year. Yeah. Yep. Yep. So 100%. I'm gonna make a reminder for July 2026 to touch base about your or twenty seventh. Sorry. Touch base about your IP. We would the reason why we wouldn't do it now is I mean, we could do it now, but then you're paying for a premium that you're not actually able to claim on. So it's not it's not of any exactly. There's no benefit to you whatsoever. So I'm gonna make a note of that. But with your life and TPD, what I probably wanna understand from the both of you because it's gonna I'd say your answers are gonna be probably somewhat similar. In the event and we'll use yesterday as an example because we know nothing happened, in the event of either of you passing, what is the absolute bare minimum do you want covered? Is it debt? So the house repaid? Yep. Mhmm. Yep. So would you let's say worst case scenario, after time of grieving and getting back on your feet and navigating the new world, Do you think you would both return to work? Yeah. Yeah. Do you yeah. It is. It is, isn't it? So mhmm. Yeah. Yeah. Exactly. Yeah. Yep. So we've so if the debt was repaid repaid, what do you think taking away any expenses, like education expenses, anything like that, what would you need a week to survive with no debt? So you just have your normal expenses. Would it can remain 800? What you're doing spending now? A thousand. Yep. Yep. Yep. And do you think you would need childcare? Yep. Yep. That's okay. I've got figures that I can I can use for that? That's alright. We use average figures. All the things that you you don't think of yet, and then all of a sudden, it's, like, in your face. Okay. And alright. So that's fine. That helps me a little bit. And with education, I guess, hard question to answer unless you guys had a chat about it. Are you thinking private or public education? Mhmm. Yep. No. That's okay. That's alright. That gives me something to work with definitely for the both of you. Is there anything else that you think that you would want covered in the events financially that you would need? Because you also have super balances as well. So we'd work that out backwards as to what the need of income is. Oh, sorry. The life insurance would be. So I'll work that backwards. Anything else that you can that you feel I may have missed? No. No. Yeah. Yep. Yep. Yes. Yeah. No. I I I always allow for that in my calculations because you can't it's it's not possible. It's and it's not realistic. With the TPD cover, what we look at is typically the things that we've spoken about, but also out of pocket medic well, not out of pocket medical expenses. It's ongoing care. So I might I'd look at those levels of cover that we've talked about for life and look at the TPD ongoing care and have a look at that to see what what kind of figures we're looking at needing. With the income protection, we're gonna wait for you, Michael. Unfortunately, Megan, we can't do much for you at the moment either. But what I do wanna do is just check your income because I think yours might be pretty spot on, actually. Yeah. Yours is perfect. No. Without a word of a lie to the dollar. So your income protection is absolutely perfect at the moment. What what we can do is I'm just gonna do a little bit of investigating on that and see how that works while you're on maternity leave. So I'm gonna come back to you on that. The next document in the pack is our financial services guide. So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process. So that's available in your pack and also on the website. Any questions so far? No? Beautiful. The next document is consent to new ongoing service or the ongo the ongoing fee arrangement. So what it is is based on a percent fee of 1.1% of your balances. So I will break that down monthly. So, Michael, for yourself, that is $1,397.12, which is a click equates to a $116.43 a month for yourself, which is funded from Hub twenty four. And, Megan, yours is $525.18, and that's $43.77 a month. And that's funded from your Hub twenty four account. So what that does is that allows us to remain your advisers. That's our fee. And you're not limited to, you know, one review a year. If there's something that changes within your circumstances and you need advice, you just pick up the phone, reach out. Questions, you know, we're here to help. So that's what no. So it's 1.1%. It's based on 1.1%. So it would have gone up a little bit based on the increase in your balance, but it will be fixed for the next twelve months. So it's based it's calculated on 1.1, but then fixed and then divided by fixed at a dollar fee. So it used to be that it would be it would fluctuate each month based on the account balance. So if, for example, there was a really good month, you know, that 1.1% would be higher because of the growth on the portfolio. Now we're fixing it for transparency. We have that on file. The purpose we have it on file is we have that on file. The purpose we have it on file is because when we opened your super funds, you know, we had to provide that to hub twenty four to make sure you didn't get taxed too much. This is just due to privacy, etcetera, that you're acknowledging that, you know, we hold it on file for you and that you're comfortable in doing so. So those two documents are the only ones that we do require your signature on from the pack. So when and if you're comfortable to sign those, I'd ask you to do that. And we then I can I can still start working on all the other stuff I'm gonna start working on in the meantime? But I'm going to jump into a risk profile questionnaire very quickly. No right or wrong answers in this. And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned. So for the both of you, what is the most aggressive investment you've ever made? Shares? I know, Megan, you've made shares. Michael, what about yourself? What would it be managed funds or shares? No? Okay. So your super fund holds managed funds in there. So are you comfortable with me putting managed funds down? Yeah. Yeah. Because you have yeah. No worries. Alright. For both of you, once an investment's been placed, how long would you need it before you can access capital? So that's for the both of you, longer than ten years given that it's your super. Yep. Yep. Yeah. Beautiful. The next question, is inflation means that things are getting more expensive over time and making our current dollar worth less for the future? How much risk are you willing to take to keep up with inflation rises? Number one would be accepting a very high risk. Number two would be just a risk. Number three would be moderate risk. Four is a small amount to keep up with inflation, or number five, you're unwilling to take any risks. Yep. Yep. Yep. Beautiful. Alright. In the how would you feel if six months after investing, you found that your portfolio decreased by 20% due to the just the general trends in the market? So if you think back to that Vanguard chart, that that's just how a general trend. So would you be investing heavily for growth, investing modestly for growth? Would you hold and wait to see improvement? Would you shift to secure assets, or would you convert to cash? Invest heavily for growth or invest modestly for growth? Yep. Yep. Beautiful. You both have the right head the right way of thinking. When a market's so low, my first inclination is to put money in. So you think thinking the right way. That's great. So what kind of return do you expect to get from your investments over term over long term? 8% or above, six to 8%, four to 6%, two to 4%, or zero to 2%? Yep. Yep. So both six to eight. Okay. Have your investments, including your superation, ever dropped in value? And if so, how did it make you feel? Optimistic about future investments? Cautious with no further investment plans? Concerned? Or highly anxious? Yep. Yep. Yep. So optimistic about the future. Yeah. Beautiful. And have you ever thought about taking out a loan to invest? So that could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home. Yep. Beautiful. No. Yeah. Yep. Nope. That helps. Nope. That's it just helps us gauge your tolerance to risk. Like, it's not a perfect tool. It just helps us you have a little bit of an understanding of your tolerance. That's all that this is designed to do. So you both actually came out as growth investors, which is the 20%. So you also came out gross last time, Michael, but you opted to go for a high gross investment. So I think probably it's as long as you're comfortable with that, is there any have you had any significant concerns? Have you been, you know, logging in constantly and stressing about any market trends or fluctuations that you've experienced? Mhmm. Mhmm. It is. And you're comfortable with it? Yep. Mhmm. Well, you've you've got some good exposure in your portfolio for those types of events. Believe it or not, those types of events usually depending, it can generate a lot of growth, typically, if we look back at the at markets. So, yeah, it's it's there's always a risk. It's just being I for me, it's the passing the sleep at night test. So if you're sleeping at night and you're not concerned about your superannuation and your balance, then I think a high growth portfolio would be appropriate to maintain For yourself yeah. For yourself, Megan, that would mean if you wanted to go similar to Michael with a ninety ten split, that means we'd be we'd essentially be increasing approximately an extra 10% of your assets into those top four on the Vanguard chart, so your gross assets. So it would be, again, for you, the sleep at night test. Is it something that you'd be comfortable with knowing that long term as you said, using your words, you have time to ride the wave? It's it's more about your comfort. Yeah. Mhmm. And that's what these reviews are for. So we touch base quite regularly. Well, at least annually at an absolute bare minimum to make sure that anything any significant changes haven't occurred. So we would always be looking at those things. So for example, you know, later this week, I have a lot I'd I've barely fair few other reviews that I'll be having conversations about potentially decreasing the allocation to growth assets based on their proximity to needing to access super. So it goes there's a there's a number of factors that go into it, and we always stay on top of it and work together. Alright. So those I'm gonna I've got some homework to do myself. But before anything else, I'm gonna ask a few more questions. Your beneficiary forms, we're gonna get those sent out to you again to get them signed and get back to us because at the moment, you've got no beneficiaries. So what that means look. You were married. The Well, the It won't be a nightmare because the trustees will say that you're married and you're each other's financially dependent spouse, etcetera. But it would take not longer than normal, which is in a situation like that, we don't want that to happen. So that's where that beneficiary form comes in handy. So I'll be making there's two types of beneficiary nominations you can choose. There's a binding or a binding. The difference is the only difference is is that one lapses and one doesn't. They're both found the trustees found by both forms. The non lapsing will only ever be updated when you lodge a new form. The binding one means you need to update it every three years. So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant? Yeah. Exactly. So non lapsing? Yep. Beautiful. Fantastic. Couple of other quick questions before I sign off. Any are you happy with your annual review frequency, or would you like them more frequent? Mhmm. Mhmm. Mhmm. Not necessarily because we wouldn't be we're gonna be meeting annually anyway. And anything that is significant, we're gonna reach out, but we wouldn't necessarily change something reactively if something wasn't performing. So if it was short term, if there was a big event occurring that we felt needed some rather urgent advice to clients, we would do that. We would do that exactly. But because the the philosophy of the let's let's call it the philosophy of the high growth is not a set and forget, but you're in it for the long run. So if something is underperforming, so the Benelon in your portfolio, Michael, for example, we've let that sit for a while because we're not gonna react to market conditions or changes. We're gonna see what the systemic outcome of it is and see if it is something long term. So, I mean, if there was anything in your portfolio that you were con you were concerned about, just reach out, and we would talk about that anyway. Yeah. So the only other ops with looping back to insurance quickly, there's a type of policy called trauma insurance. It's a it's a, basically, it's a gap of a policy that that fills the gap basically for income protection and TPD where if you're diagnosed with a critical illness, and they they range from cancer, stroke, heart attack to some neurological diseases that you're paid a lump sum benefit, but it is funded by your personal cash flow. Typically, the levels of cover are of cover are recommended to replace out of pocket health expenses or ongoing costs, for example, and a a recuperation period because, typically, what we find is these illnesses aren't necessarily terminal. You're gonna go back to work at some point, and it might be that there's just some funds available to make a repayment on debt or allow you a bit of time to recover and so on. So that's the other policy that's available within the risk protection portfolio. And I just wanted to see what your thoughts were on that, whether you wanted to look at including that in the review when we're going to be looking at your life and TPD cover. Nope. That's absolutely fine. And your debt you're managing, you don't you're quite happy to to you know, do would you like any advice to pay that down quicker or within a certain time frame? Yeah. Yeah. Yeah. You guys have plenty of time on your side, so no no worries there. We can always keep it on the back burner. And last thing I will bring up, something for you both to consider is when Bob is born, if you wanted to look at some sort of what we call an investment bond for kids where you can add a little amount monthly, fortnightly, weekly, whatever you like to grow a little nest egg for them, and it's it's it's doesn't form part of your taxable income or growth or anything like that. After ten years, it's tax free, so it's a nice little nest egg for kitties. Once they reach a certain age, you have full power over when they actually get access to it, and you can change it depending on, you know, what they're like as they get older. So if that's something you wanted to look at down the track, we can probably pencil that in to have a chat about that next year if you like. Yeah? Alright. Beautiful. Do you have any questions for me today? No? Okay. So what I'm gonna do is I'm gonna go away and do my homework. And what following this, what you can expect from here is that I will probably reach out to you in about two weeks or so, or our team will reach out just to book in another time to go over the advice, so the changes. So some of them being the investments in your super, the changes to the life and TPD insurance. And I'm just thinking that's probably it, really. They're the bits of advice that I'm gonna be looking at. And, also, finally, would you like me to send you through a brochure for our professional partners that provide wills and power of attorney advice? Yep. Yeah. It's it's quite reasonable, to be honest with you. I've seen quite a few lawyers in my time and the cost of them. So these ones, I was actually quite surprised about the cost and how reasonable it is. And if you would like to after you've had a read of it, if you want an introduction, just shoot me an email back, and I'll arrange that. But, yeah, something that you've probably both, you know, giving you're gonna need to consider things like guardianship and all those awful things that you need to have a chat about, which isn't nice. It's not yeah. Not yeah. Yeah. Exactly. And like all things in life, anything that's necessary is not generally nice to have a chat about, is it? Alright. Beautiful. Well, I will get that sent off to you. And in the meantime, if you have any questions, please reach out. But we'll be in contact in about two to three weeks because it just takes that amount of time to get the the research together and make sure that we're doing the right thing. Beautiful. No. Thank you. And have a great day, and I'll speak to you both soon. Thank you. 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Michael. This is Jennifer from Oakview Financial. How are you today? I'm well. Thank you.\n\nI'm well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just to make sure that I'm speaking with the correct person, can you confirm your full nine full name, date of birth, and address, please?\n\nBeautiful. Purpose of my call today is to ring and complete your annual review with your self and, Megan. Sorry. Yes. Yep.\n\nBeautiful. Hi, Megan. Can I also get you to confirm your full name, date of birth, and address, please? Fantastic. Thank you so much to the both of you for confirming that.\n\nHow are you both doing today? That's good. That's good. I'm good. Thank you.\n\nAre you in the car at the moment? Yeah. Is it okay to still talk? Or yeah? Okay.\n\nAlright. Fantastic. What I would like to start our review off by doing, if that's okay, is just running through the personal and financial information that you have on file. Because the last time we spoke, you were getting you were in a lead up to your wedding, and I suspect some things have probably changed since then. So I'd like to just run through if that's okay.\n\nSo you're both now married? Yeah. Congratulations. And, also, do you have any dependents yet? Oh, congratulations.\n\nHow far along are you? Oh, wow. That's very exciting. So when's the due when's due date? Mid January?\n\nOh, wow. That's that's fantastic. Oh, congratulations to you both. Exciting times ahead. Yeah.\n\nOkay. I just wanna check employment details. Now, Michael, we have you down as a plumber. Is that still correct? Okay.\n\nYeah. Okay. Fraser Coast Council. Beautiful. And is it a lot of field work, or do you spend time in the office?\n\nYep. Mhmm. So would it be like you previously had you had down about 80% field, which is on the out of the office, basically, and 20% in the office. Would that be correct? Or if yep.\n\nOkay. Okay. Beautiful. And when did you start with Fraser Coast Council? Okay.\n\nThat's okay. It doesn't need to be Yeah. Doesn't need to be exact. That's alright. And so you're an employee now?\n\nBeautiful. And how many hours per week? Yep. Yep. Beautiful.\n\nNow, Megan, I actually don't have a lot of information down here on file that's current. I know that you're probably gonna be coming up to maternity leave shortly. Let me just flick over to another screen. Sorry. Because excuse me.\n\nI just wanna make sure everything that we actually do have is up to date. Alright. Here we go. We had you done as a physiotherapist. Is that still right?\n\nYep. Beautiful. In all in office or in in in clinic, I should say. Yeah. Hospital.\n\nYep. Beautiful. And full time still? Yep. When do you plan on starting maternity leave?\n\nMid December. And how long do you think you will be on maternity leave for? Yep. Okay. Fantastic.\n\nBeautiful. And is that all paid, like, with the hospital, or what what is yep. Yep. Okay. Okay.\n\nFantastic. Beautiful. That's a good plan. Income wise, Michael, we had you at 70. Has that changed?\n\n100 plus super. Beautiful. And, Megan, we had you at 94. Yep. Beautiful.\n\nOkay. We had your expenditure per week of $400 each. So 800 between the two of you. Do you think that's still correct? Yep.\n\nJust yeah. I was gonna say would the does the 800 a week include the mortgage, or is the mortgage separate? How much per week do you do on the mortgage or fortnightly, whichever frequency you pay it? Okay. Beautiful.\n\nAnd is that the minimum, or are you paying extra? Minimum? Okay. Yep. Just you've just kept it.\n\nYep. Beautiful. And we had your savings at $200 each week. Would that still be right? Yep.\n\nOkay. And with the savings, is that going into an offset account, or is it going into a is it going any anywhere in particular? The is it tagged for anything? Yep. Okay.\n\nBeautiful. Okay. So okay. Fortnight. So 200 each a fortnight personally just saving.\n\nYep. Into the into the offset. Yep. Fantastic. Got that.\n\nBeautiful. Either of you do do you both get the standard 12% in super, or do you get more? Mhmm. Yep. Yep.\n\nOkay. What about you self, Megan? Yeah. Do you know what what hospital are you in Queensland Health? Yep.\n\nYeah. Yep. I can look that up. That's easy. No.\n\nThat's okay. Then also so asset wise, we have the house at valued at 700,000. Would that be correct still? Yep. Yep.\n\nOkay. Okay. Beautiful. And I had the I had the debt sitting at 600. Is that right?\n\nBeautiful. Fantastic. And we had two cars. One valued at 15 and one valued at 5. Would that be right?\n\nAnd no debt attached to those? No. Megan, we had a hex debt here of 40. Is that still Okay. Sorry?\n\nOh, yeah. Of course. Thank you. And I also have a share portfolio noted here with a balance of about 1,000. Is that still current?\n\nYep. Okay. Did you How much? Sorry? In the share portfolio.\n\nBeautiful. Alright. Fantastic. Now with your savings each, how much do you have in your savings account if you're comfortable sharing? It's up to you.\n\nYep. Beautiful. Yep. And how much is in your offset? With your savings, are you saving for anything in particular, or is it a rainy day fund or a an emergency fund?\n\nYep. Yep. Yeah. Yeah. Of course.\n\nYep. Okay. So you use your savings to buy. Yep. Yep.\n\nYep. Yeah. Okay. Okay. 20 $6,800.\n\nBeautiful. Lovely. Do you know what sort of car you're looking at? They're amazing. I have one.\n\nNo. It they're they're a great car, super reliable. Yeah. Fantastic, to be honest with you. I love mine.\n\nAssets and liabilities wise, anything else that you have? Yeah. Beautiful. And how much is that? Yeah.\n\nOkay. Beautiful. Yeah. Okay. Too easy.\n\nBeautiful. Yes? Oh, alright. Fantastic. Now with your health and lifestyle, you're both are you both still nonsmokers?\n\nYep. Beautiful. Do you take any medication or have any significant health issues? No. Do you have private health care?\n\nYep. And who's that with? Yep. Yep. C u a.\n\nBeautiful. Alright. And do you have wills or power of attorney? No. Okay.\n\nYes. Yes. Yes. I can talk to you more about that as well and help guide and give you some some pointers if you like. What I'm going to do is your boss will receive I'm just gonna see.\n\nNo. That's okay. It's on here for me to get those over to you, so that is absolutely fine. Don't stress too much. I am going to when you have a chance, you'll see that in your emails that you will have a annual review document.\n\nSo I'm gonna talk to these a little bit with that. Sorry. One moment. It's the computer is not playing nice with me today. You'll both receive it, and it's gonna have the documents that I'm gonna talk through with you both attached.\n\nThere are some signature pages at the end, but when you click on the link, you won't need to you click sign, and it will open the documents, but you don't actually need to sign anything. We're gonna work walk through them first. And the first document in that pack is what we call our summary of insurances, a summary of superannuation insurances. So it's just gonna give you a very brief overview of the types of cover you have. So, Michael, your super is with hub twenty four where you both are.\n\nYour balance sits at about $127,011, and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund. Megan, your sorry. I'm looking skipping pages here. I'm gonna split my screen, actually. Megan, yours is also with Hub twenty four, and your sitting balance is sitting at 47,744.\n\nAnd your cover's with Zurich for life, TPD, and income protection. And, again, they're funded through your hub twenty four member balance. Now, Megan, it's probably gonna be a bit difficult for you to review covers at the moment when your pregnant insurance company is kind of put on hold covers. But it's potentially worth having a conversation and planning with a dependent and on on the way and debt levels and things such as thinking about if something was to happen to either of you, how would you financially survive? Would would the remaining partner go back to work and the time frame and all these really, really confronting questions.\n\nSo it is probably worth having a conversation about insurances and reviewing whether your covers are appropriate for your impending family change shortly. So we can we can do that now, or we can look at it later. Megan, you're insured for about a million dollars, just over a million dollars. Michael, you're insured for about $445,000. So there's definitely a need to look at reviewing these.\n\nIt it it's really just probably dependent on your time frame and when you wanna do it. Alright. Sorry? Sorry? Yep.\n\nAlright. Beautiful. I will I'll revert back to that shortly and ask a few more probing questions. So I apologize in advance for that. The next document that you will both see in your pack is a performance report.\n\nMichael, I'll start with yours. Overall, the return sat at about 5.63%, and that's after fees. Within your funds, though, when you open the document, it hasn't performed as much as we would expect a high growth portfolio to perform, and that's mainly due to one of the funds that's held in there. And it's the very first one when you look at the report, Ben along Australian Equities Fund. They unfortunately returned a negative return of 15.94% in the last twelve months.\n\nThe reason being not that the invest the Australian share market is underperforming in any means. It's the investment mandate that Banner Long adheres to. So their mandate is to identify what they feel are underperforming or undervalued sorry, undervalued funds within the Australian share market for growth opportunities. Last twelve months or so, it's been the banks and the big institutions that have performed from a growth perspective. So the the investment mandate, so to speak, have been along.\n\nAnd not that they're a bad investment manager, it just hasn't been hasn't been lucrative in the last twelve months or so. So what I would like to do with your permission, Michael, is look at other options that we could look at to replace Benelon just to to make sure that it's still it's appropriate to meet your goals and objectives, but also, you know, be proactive in our response to that. So, usually, we don't we're not super reactive to negative returns, but systemic ongoing ones, we start to look into a little bit further. Beautiful. Beautiful.\n\nYep. Fantastic. Beautiful. And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid. Now the Australian banking framework is gonna change in the in the next little bit, actually.\n\nJanuary 2027, they're gonna be phasing out the Australian banks will phase out their hybrids. Rather than sit and wait, I would like to take the approach as to seeing if there's a better yeah. Be a bit more proactive. See if there's a better option. I'm I'm not inclined to sit and wait and see what the replacement option will be offered from the banks.\n\nI mean, it's it's still doing a good return. It's still valued well presently. So I'd like to just see what are the implications, if any, of us looking at replacing that also if that's alright with you. Fantastic. And with the rest of your portfolio, you've got a pretty good allocation the international equity space at where at the moment we see a fair bit of value because you've got exposure to a lot more larger companies.\n\nWithin the portfolio, you've got access to some niche markets being global cyber, battery and battery tech and lithium. You've got some gold exposure. So those niche markets, which we call satellite investments, you don't have a significant over you know, you're not significantly over invested in them, but you've got exposure to them. And then you've also got some exposure to China as well, which is a emerging economy as always. So your portfolio, we're pretty happy with as an overall.\n\nIt's just those two options that we'd like to look at investigating a little bit further. Beautiful. Now with yours, Megan, you've got the two funds within yours. Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option. So you've got and I think it probably comes down to balance at the moment.\n\nIt's you're in the Vanguard diversified growth model and the Vanguard diversified high growth model. Great funds. I like Vanguard. Good old Vanguard. They're fantastic.\n\nI just wanted to get a gauge of where you're at with that. I mean, we could probably look at investing you across a a portfolio similar to Michael's, but I do worry if the exposure in some of those are only gonna be, you know, like, a thousand dollars here or there until your super balance continues a little more. So I really wanted to probably gauge what your thoughts were on that. Yeah. Yeah.\n\nYep. Yep. Yeah. Beautiful. So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor.\n\nSo, typically, from the last risk profile, like, that's an eighty twenty split. So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael, you're a high growth, which is a ninety ten split. So we can definitely look at that as well, Megan. So I'll circle back to that risk profile as well along with the insurance. Yeah.\n\nOkay. Beautiful. I just wanted to understand from your perspective in your own words that how the Vanguard options came about. So that's beautiful. I understand that.\n\nSpeaking of Vanguard, the next document in the pack is the Vanguard index chart. We supply this as a nice little visual. It explains well, if you look when you'd have a chance or if you're looking at it now, Megan, I'm not sure, you will you'll see the top four assets. They're your growth assets. So they're the one that I alluded to that it's for Michael, you're invested in 90% of it.\n\nMegan, at the moment, you're about 80%, and they're they're your growth assets. So you'll see that in the chart, they're the ones that experience the most volatility, and you can attribute a lot of the volatility to world events. In a high growth portfolio, we always say you have an investment time frame of at least eight years. So given that you're both Michael, you've got twenty seven years, so you can access super. Megan, you've got thirty three years, so you can access super based on today's legislation and super access rules.\n\nYou have time on your side. So you are able to take that to the higher risk. If a 100 percent. Yeah. If you were five years away, we'd be having a different conversation.\n\nSo and then, you know, the Australian bonds and the cash, they're the defensive part of your portfolio. So you will see over the long term, they do experience a little bit of growth as to say, but their job in the portfolio is to really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio. The next order documents are your certificate of currency. So, Michael, at the moment, you're insured for life and TPD of 444,893, and your income protection is $4,423 per month. Now what I'm going to do sorry.\n\nDoing a little calculation. Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior? Yeah. Okay. Yeah.\n\nI think what we might do is have a look at I'm just gonna do another quick calculation. $495.08. Yeah. At the moment, I don't think it's worth looking at increasing your income protection. The reason being and I can put this all in an email for you guys to have a consider.\n\nBased on 85, we would book an income protection sum insured increase of $535 a month. We wouldn't be able to increase it to 70% of the 100,000 until you could prove that you were earning for a whole year. Yeah. Yep. Yep.\n\nSo 100%. I'm gonna make a reminder for July 2026 to touch base about your or twenty seventh. Sorry. Touch base about your IP. We would the reason why we wouldn't do it now is I mean, we could do it now, but then you're paying for a premium that you're not actually able to claim on.\n\nSo it's not it's not of any exactly. There's no benefit to you whatsoever. So I'm gonna make a note of that. But with your life and TPD, what I probably wanna understand from the both of you because it's gonna I'd say your answers are gonna be probably somewhat similar. In the event and we'll use yesterday as an example because we know nothing happened, in the event of either of you passing, what is the absolute bare minimum do you want covered?\n\nIs it debt? So the house repaid? Yep. Mhmm. Yep.\n\nSo would you let's say worst case scenario, after time of grieving and getting back on your feet and navigating the new world, Do you think you would both return to work? Yeah. Yeah. Do you yeah. It is.\n\nIt is, isn't it? So mhmm. Yeah. Yeah. Exactly.\n\nYeah. Yep. So we've so if the debt was repaid repaid, what do you think taking away any expenses, like education expenses, anything like that, what would you need a week to survive with no debt? So you just have your normal expenses. Would it can remain 800?\n\nWhat you're doing spending now? A thousand. Yep. Yep. Yep.\n\nAnd do you think you would need childcare? Yep. Yep. That's okay. I've got figures that I can I can use for that?\n\nThat's alright. We use average figures. All the things that you you don't think of yet, and then all of a sudden, it's, like, in your face. Okay. And alright.\n\nSo that's fine. That helps me a little bit. And with education, I guess, hard question to answer unless you guys had a chat about it. Are you thinking private or public education? Mhmm.\n\nYep. No. That's okay. That's alright. That gives me something to work with definitely for the both of you.\n\nIs there anything else that you think that you would want covered in the events financially that you would need? Because you also have super balances as well. So we'd work that out backwards as to what the need of income is. Oh, sorry. The life insurance would be.\n\nSo I'll work that backwards. Anything else that you can that you feel I may have missed? No. No. Yeah.\n\nYep. Yep. Yes. Yeah. No.\n\nI I I always allow for that in my calculations because you can't it's it's not possible. It's and it's not realistic. With the TPD cover, what we look at is typically the things that we've spoken about, but also out of pocket medic well, not out of pocket medical expenses. It's ongoing care. So I might I'd look at those levels of cover that we've talked about for life and look at the TPD ongoing care and have a look at that to see what what kind of figures we're looking at needing.\n\nWith the income protection, we're gonna wait for you, Michael. Unfortunately, Megan, we can't do much for you at the moment either. But what I do wanna do is just check your income because I think yours might be pretty spot on, actually. Yeah. Yours is perfect.\n\nNo. Without a word of a lie to the dollar. So your income protection is absolutely perfect at the moment. What what we can do is I'm just gonna do a little bit of investigating on that and see how that works while you're on maternity leave. So I'm gonna come back to you on that.\n\nThe next document in the pack is our financial services guide. So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process. So that's available in your pack and also on the website. Any questions so far? No?\n\nBeautiful. The next document is consent to new ongoing service or the ongo the ongoing fee arrangement. So what it is is based on a percent fee of 1.1% of your balances. So I will break that down monthly. So, Michael, for yourself, that is $1,397.12, which is a click equates to a $116.43 a month for yourself, which is funded from Hub twenty four.\n\nAnd, Megan, yours is $525.18, and that's $43.77 a month. And that's funded from your Hub twenty four account. So what that does is that allows us to remain your advisers. That's our fee. And you're not limited to, you know, one review a year.\n\nIf there's something that changes within your circumstances and you need advice, you just pick up the phone, reach out. Questions, you know, we're here to help. So that's what no. So it's 1.1%. It's based on 1.1%.\n\nSo it would have gone up a little bit based on the increase in your balance, but it will be fixed for the next twelve months. So it's based it's calculated on 1.1, but then fixed and then divided by fixed at a dollar fee. So it used to be that it would be it would fluctuate each month based on the account balance. So if, for example, there was a really good month, you know, that 1.1% would be higher because of the growth on the portfolio. Now we're fixing it for transparency.\n\nWe have that on file. The purpose we have it on file is we have that on file. The purpose we have it on file is because when we opened your super funds, you know, we had to provide that to hub twenty four to make sure you didn't get taxed too much. This is just due to privacy, etcetera, that you're acknowledging that, you know, we hold it on file for you and that you're comfortable in doing so. So those two documents are the only ones that we do require your signature on from the pack.\n\nSo when and if you're comfortable to sign those, I'd ask you to do that. And we then I can I can still start working on all the other stuff I'm gonna start working on in the meantime? But I'm going to jump into a risk profile questionnaire very quickly. No right or wrong answers in this. And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned.\n\nSo for the both of you, what is the most aggressive investment you've ever made? Shares? I know, Megan, you've made shares. Michael, what about yourself? What would it be managed funds or shares?\n\nNo? Okay. So your super fund holds managed funds in there. So are you comfortable with me putting managed funds down? Yeah.\n\nYeah. Because you have yeah. No worries. Alright. For both of you, once an investment's been placed, how long would you need it before you can access capital?\n\nSo that's for the both of you, longer than ten years given that it's your super. Yep. Yep. Yeah. Beautiful.\n\nThe next question, is inflation means that things are getting more expensive over time and making our current dollar worth less for the future? How much risk are you willing to take to keep up with inflation rises? Number one would be accepting a very high risk. Number two would be just a risk. Number three would be moderate risk.\n\nFour is a small amount to keep up with inflation, or number five, you're unwilling to take any risks. Yep. Yep. Yep. Beautiful.\n\nAlright. In the how would you feel if six months after investing, you found that your portfolio decreased by 20% due to the just the general trends in the market? So if you think back to that Vanguard chart, that that's just how a general trend. So would you be investing heavily for growth, investing modestly for growth? Would you hold and wait to see improvement?\n\nWould you shift to secure assets, or would you convert to cash? Invest heavily for growth or invest modestly for growth? Yep. Yep. Beautiful.\n\nYou both have the right head the right way of thinking. When a market's so low, my first inclination is to put money in. So you think thinking the right way. That's great. So what kind of return do you expect to get from your investments over term over long term?\n\n8% or above, six to 8%, four to 6%, two to 4%, or zero to 2%? Yep. Yep. So both six to eight. Okay.\n\nHave your investments, including your superation, ever dropped in value? And if so, how did it make you feel? Optimistic about future investments? Cautious with no further investment plans? Concerned?\n\nOr highly anxious? Yep. Yep. Yep. So optimistic about the future.\n\nYeah. Beautiful. And have you ever thought about taking out a loan to invest? So that could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home. Yep.\n\nBeautiful. No. Yeah. Yep. Nope.\n\nThat helps. Nope. That's it just helps us gauge your tolerance to risk. Like, it's not a perfect tool. It just helps us you have a little bit of an understanding of your tolerance.\n\nThat's all that this is designed to do. So you both actually came out as growth investors, which is the 20%. So you also came out gross last time, Michael, but you opted to go for a high gross investment. So I think probably it's as long as you're comfortable with that, is there any have you had any significant concerns? Have you been, you know, logging in constantly and stressing about any market trends or fluctuations that you've experienced?\n\nMhmm. Mhmm. It is. And you're comfortable with it? Yep.\n\nMhmm. Well, you've you've got some good exposure in your portfolio for those types of events. Believe it or not, those types of events usually depending, it can generate a lot of growth, typically, if we look back at the at markets. So, yeah, it's it's there's always a risk. It's just being I for me, it's the passing the sleep at night test.\n\nSo if you're sleeping at night and you're not concerned about your superannuation and your balance, then I think a high growth portfolio would be appropriate to maintain For yourself yeah. For yourself, Megan, that would mean if you wanted to go similar to Michael with a ninety ten split, that means we'd be we'd essentially be increasing approximately an extra 10% of your assets into those top four on the Vanguard chart, so your gross assets. So it would be, again, for you, the sleep at night test. Is it something that you'd be comfortable with knowing that long term as you said, using your words, you have time to ride the wave? It's it's more about your comfort.\n\nYeah. Mhmm. And that's what these reviews are for. So we touch base quite regularly. Well, at least annually at an absolute bare minimum to make sure that anything any significant changes haven't occurred.\n\nSo we would always be looking at those things. So for example, you know, later this week, I have a lot I'd I've barely fair few other reviews that I'll be having conversations about potentially decreasing the allocation to growth assets based on their proximity to needing to access super. So it goes there's a there's a number of factors that go into it, and we always stay on top of it and work together. Alright. So those I'm gonna I've got some homework to do myself.\n\nBut before anything else, I'm gonna ask a few more questions. Your beneficiary forms, we're gonna get those sent out to you again to get them signed and get back to us because at the moment, you've got no beneficiaries. So what that means look. You were married. The Well, the It won't be a nightmare because the trustees will say that you're married and you're each other's financially dependent spouse, etcetera.\n\nBut it would take not longer than normal, which is in a situation like that, we don't want that to happen. So that's where that beneficiary form comes in handy. So I'll be making there's two types of beneficiary nominations you can choose. There's a binding or a binding. The difference is the only difference is is that one lapses and one doesn't.\n\nThey're both found the trustees found by both forms. The non lapsing will only ever be updated when you lodge a new form. The binding one means you need to update it every three years. So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant? Yeah.\n\nExactly. So non lapsing? Yep. Beautiful. Fantastic.\n\nCouple of other quick questions before I sign off. Any are you happy with your annual review frequency, or would you like them more frequent? Mhmm. Mhmm. Mhmm.\n\nNot necessarily because we wouldn't be we're gonna be meeting annually anyway. And anything that is significant, we're gonna reach out, but we wouldn't necessarily change something reactively if something wasn't performing. So if it was short term, if there was a big event occurring that we felt needed some rather urgent advice to clients, we would do that. We would do that exactly. But because the the philosophy of the let's let's call it the philosophy of the high growth is not a set and forget, but you're in it for the long run.\n\nSo if something is underperforming, so the Benelon in your portfolio, Michael, for example, we've let that sit for a while because we're not gonna react to market conditions or changes. We're gonna see what the systemic outcome of it is and see if it is something long term. So, I mean, if there was anything in your portfolio that you were con you were concerned about, just reach out, and we would talk about that anyway. Yeah. So the only other ops with looping back to insurance quickly, there's a type of policy called trauma insurance.\n\nIt's a it's a, basically, it's a gap of a policy that that fills the gap basically for income protection and TPD where if you're diagnosed with a critical illness, and they they range from cancer, stroke, heart attack to some neurological diseases that you're paid a lump sum benefit, but it is funded by your personal cash flow. Typically, the levels of cover are of cover are recommended to replace out of pocket health expenses or ongoing costs, for example, and a a recuperation period because, typically, what we find is these illnesses aren't necessarily terminal. You're gonna go back to work at some point, and it might be that there's just some funds available to make a repayment on debt or allow you a bit of time to recover and so on. So that's the other policy that's available within the risk protection portfolio. And I just wanted to see what your thoughts were on that, whether you wanted to look at including that in the review when we're going to be looking at your life and TPD cover.\n\nNope. That's absolutely fine. And your debt you're managing, you don't you're quite happy to to you know, do would you like any advice to pay that down quicker or within a certain time frame? Yeah. Yeah.\n\nYeah. You guys have plenty of time on your side, so no no worries there. We can always keep it on the back burner. And last thing I will bring up, something for you both to consider is when Bob is born, if you wanted to look at some sort of what we call an investment bond for kids where you can add a little amount monthly, fortnightly, weekly, whatever you like to grow a little nest egg for them, and it's it's it's doesn't form part of your taxable income or growth or anything like that. After ten years, it's tax free, so it's a nice little nest egg for kitties.\n\nOnce they reach a certain age, you have full power over when they actually get access to it, and you can change it depending on, you know, what they're like as they get older. So if that's something you wanted to look at down the track, we can probably pencil that in to have a chat about that next year if you like. Yeah? Alright. Beautiful.\n\nDo you have any questions for me today? No? Okay. So what I'm gonna do is I'm gonna go away and do my homework. And what following this, what you can expect from here is that I will probably reach out to you in about two weeks or so, or our team will reach out just to book in another time to go over the advice, so the changes.\n\nSo some of them being the investments in your super, the changes to the life and TPD insurance. And I'm just thinking that's probably it, really. They're the bits of advice that I'm gonna be looking at. And, also, finally, would you like me to send you through a brochure for our professional partners that provide wills and power of attorney advice? Yep.\n\nYeah. It's it's quite reasonable, to be honest with you. I've seen quite a few lawyers in my time and the cost of them. So these ones, I was actually quite surprised about the cost and how reasonable it is. And if you would like to after you've had a read of it, if you want an introduction, just shoot me an email back, and I'll arrange that.\n\nBut, yeah, something that you've probably both, you know, giving you're gonna need to consider things like guardianship and all those awful things that you need to have a chat about, which isn't nice. It's not yeah. Not yeah. Yeah. Exactly.\n\nAnd like all things in life, anything that's necessary is not generally nice to have a chat about, is it? Alright. Beautiful. Well, I will get that sent off to you. And in the meantime, if you have any questions, please reach out.\n\nBut we'll be in contact in about two to three weeks because it just takes that amount of time to get the the research together and make sure that we're doing the right thing. Beautiful. No. Thank you. And have a great day, and I'll speak to you both soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Michael.","start":5.04,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.11676620692014694},{"text":"This is Jennifer from Oakview Financial.","start":5.8399997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.12476204087336858},{"text":"How are you today?","start":7.9199996,"end":8.9,"sentiment":"neutral","sentiment_score":0.16506028547883034},{"text":"I'm well.","start":11.599999,"end":12.32,"sentiment":"neutral","sentiment_score":0.2766997963190079},{"text":"Thank you.","start":12.32,"end":12.88,"sentiment":"positive","sentiment_score":0.5089409351348877}],"sentiment":"neutral","sentiment_score":0.20085170399397612,"num_words":16,"start":5.04,"end":12.88},{"sentences":[{"text":"I'm well.","start":12.88,"end":13.36,"sentiment":"neutral","sentiment_score":0.2750951796770096},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.36,"end":20.112728,"sentiment":"neutral","sentiment_score":0.023790443923486317},{"text":"Is that okay?","start":20.112728,"end":21.226818,"sentiment":"neutral","sentiment_score":0.07315657287836075},{"text":"Beautiful.","start":21.226818,"end":21.598183,"sentiment":"neutral","sentiment_score":0.32298991084098816},{"text":"And just to make sure that I'm speaking with the correct person, can you confirm your full nine full name, date of birth, and address, please?","start":21.598183,"end":31.080002,"sentiment":"neutral","sentiment_score":0.053539290021245294}],"sentiment":"neutral","sentiment_score":0.05512457708404823,"num_words":55,"start":12.88,"end":31.080002},{"sentences":[{"text":"Beautiful.","start":37.54,"end":38.04,"sentiment":"neutral","sentiment_score":0.3070422410964966},{"text":"Purpose of my call today is to ring and complete your annual review with your self and, Megan.","start":38.66,"end":47.795002,"sentiment":"neutral","sentiment_score":0.1358171436521742},{"text":"Sorry.","start":47.855,"end":48.355,"sentiment":"neutral","sentiment_score":0.009064853191375732},{"text":"Yes.","start":48.735,"end":49.235,"sentiment":"neutral","sentiment_score":0.052242107689380646},{"text":"Yep.","start":49.375,"end":49.875,"sentiment":"neutral","sentiment_score":0.038568731397390366}],"sentiment":"neutral","sentiment_score":0.1296193872324445,"num_words":22,"start":37.54,"end":49.875},{"sentences":[{"text":"Beautiful.","start":50.655,"end":51.155,"sentiment":"neutral","sentiment_score":0.23276683688163757},{"text":"Hi, Megan.","start":52.415,"end":53.235,"sentiment":"neutral","sentiment_score":0.10412903875112534},{"text":"Can I also get you to confirm your full name, date of birth, and address, please?","start":53.295,"end":57.609997,"sentiment":"neutral","sentiment_score":0.06451598298735917},{"text":"Fantastic.","start":66.07,"end":66.57,"sentiment":"positive","sentiment_score":0.4516271352767944},{"text":"Thank you so much to the both of you for confirming that.","start":66.79,"end":69.85,"sentiment":"positive","sentiment_score":0.5504948794841766}],"sentiment":"neutral","sentiment_score":0.26658894785214216,"num_words":32,"start":50.655,"end":69.85},{"sentences":[{"text":"How are you both doing today?","start":70.505,"end":71.885,"sentiment":"positive","sentiment_score":0.38543092211087543},{"text":"That's good.","start":75.065,"end":75.784996,"sentiment":"positive","sentiment_score":0.4190477877855301},{"text":"That's good.","start":75.784996,"end":76.525,"sentiment":"positive","sentiment_score":0.49591873586177826},{"text":"I'm good.","start":76.985,"end":77.625,"sentiment":"positive","sentiment_score":0.4045998156070709},{"text":"Thank you.","start":77.625,"end":78.445,"sentiment":"neutral","sentiment_score":0.23203329741954803}],"sentiment":"positive","sentiment_score":0.3868417718580791,"num_words":14,"start":70.505,"end":78.445},{"sentences":[{"text":"Are you in the car at the moment?","start":79.465,"end":81.245,"sentiment":"neutral","sentiment_score":0.011651551583781838},{"text":"Yeah.","start":82.905,"end":83.305,"sentiment":"neutral","sentiment_score":0.009612408466637136},{"text":"Is it okay to still talk?","start":83.305,"end":85.04,"sentiment":"neutral","sentiment_score":0.00017003963390986124},{"text":"Or yeah?","start":85.18,"end":87.18,"sentiment":"neutral","sentiment_score":0.02704578312113881},{"text":"Okay.","start":87.18,"end":87.659996,"sentiment":"neutral","sentiment_score":0.07378382235765457}],"sentiment":"neutral","sentiment_score":0.012873358196682401,"num_words":18,"start":79.465,"end":87.659996},{"sentences":[{"text":"Alright.","start":87.659996,"end":88.06,"sentiment":"neutral","sentiment_score":0.16149894893169403},{"text":"Fantastic.","start":88.06,"end":88.56,"sentiment":"neutral","sentiment_score":0.3185851573944092},{"text":"What I would like to start our review off by doing, if that's okay, is just running through the personal and financial information that you have on file.","start":89.82,"end":98.295,"sentiment":"neutral","sentiment_score":0.12734508674059594},{"text":"Because the last time we spoke, you were getting you were in a lead up to your wedding, and I suspect some things have probably changed since then.","start":98.295,"end":107.755,"sentiment":"neutral","sentiment_score":-0.006663878647876638},{"text":"So I'd like to just run through if that's okay.","start":107.815,"end":111.435,"sentiment":"neutral","sentiment_score":0.07915762029588222}],"sentiment":"neutral","sentiment_score":0.0683931490570745,"num_words":68,"start":87.659996,"end":111.435},{"sentences":[{"text":"So you're both now married?","start":112.74,"end":116.12,"sentiment":"neutral","sentiment_score":0.06875578612089157},{"text":"Yeah.","start":117.7,"end":118.2,"sentiment":"neutral","sentiment_score":0.14463049173355105},{"text":"Congratulations.","start":118.74,"end":119.24,"sentiment":"neutral","sentiment_score":0.26644712686538696},{"text":"And, also, do you have any dependents yet?","start":123.06,"end":127.494995,"sentiment":"neutral","sentiment_score":0.05839365394786},{"text":"Oh, congratulations.","start":131.075,"end":131.97499,"sentiment":"neutral","sentiment_score":0.24798938632011414}],"sentiment":"neutral","sentiment_score":0.10105791490744143,"num_words":17,"start":112.74,"end":131.97499},{"sentences":[{"text":"How far along are you?","start":132.83499,"end":134.135,"sentiment":"neutral","sentiment_score":0.1340848058462143},{"text":"Oh, wow.","start":137.155,"end":138.33,"sentiment":"neutral","sentiment_score":0.3160186856985092},{"text":"That's very exciting.","start":138.81,"end":140.11,"sentiment":"positive","sentiment_score":0.4869364897410075},{"text":"So when's the due when's due date?","start":141.93001,"end":144.67,"sentiment":"neutral","sentiment_score":0.09630636285458292},{"text":"Mid January?","start":149.93001,"end":150.75,"sentiment":"neutral","sentiment_score":0.03004143200814724}],"sentiment":"neutral","sentiment_score":0.18407885651839406,"num_words":19,"start":132.83499,"end":150.75},{"sentences":[{"text":"Oh, wow.","start":151.045,"end":151.78499,"sentiment":"neutral","sentiment_score":0.049528202041983604},{"text":"That's that's fantastic.","start":151.92499,"end":153.22499,"sentiment":"positive","sentiment_score":0.7671682834625244},{"text":"Oh, congratulations to you both.","start":153.605,"end":155.20499,"sentiment":"positive","sentiment_score":0.7444743275642395},{"text":"Exciting times ahead.","start":155.20499,"end":156.50499,"sentiment":"positive","sentiment_score":0.7749383648236593},{"text":"Yeah.","start":159.045,"end":159.545,"sentiment":"neutral","sentiment_score":0.1985619515180588}],"sentiment":"positive","sentiment_score":0.6175935670201268,"num_words":14,"start":151.045,"end":159.545},{"sentences":[{"text":"Okay.","start":161.765,"end":162.265,"sentiment":"neutral","sentiment_score":0.0961679071187973},{"text":"I just wanna check employment details.","start":162.72499,"end":169.46,"sentiment":"neutral","sentiment_score":0.035091801236073174},{"text":"Now, Michael, we have you down as a plumber.","start":170.08,"end":172.48,"sentiment":"neutral","sentiment_score":0.024246901066766843},{"text":"Is that still correct?","start":172.48,"end":173.7,"sentiment":"neutral","sentiment_score":0.016776504926383495},{"text":"Okay.","start":176.64,"end":177.12,"sentiment":"neutral","sentiment_score":0.016315042972564697}],"sentiment":"neutral","sentiment_score":0.028969613657820793,"num_words":21,"start":161.765,"end":177.12},{"sentences":[{"text":"Yeah.","start":177.12,"end":177.465,"sentiment":"neutral","sentiment_score":0.02023797109723091},{"text":"Okay.","start":177.465,"end":177.965,"sentiment":"neutral","sentiment_score":0.023209601640701297},{"text":"Fraser Coast Council.","start":183.465,"end":185.325,"sentiment":"neutral","sentiment_score":0.04507219046354294},{"text":"Beautiful.","start":185.465,"end":185.965,"sentiment":"neutral","sentiment_score":0.23316627740859985},{"text":"And is it a lot of field work, or do you spend time in the office?","start":186.58499,"end":192.44499,"sentiment":"neutral","sentiment_score":0.022468827664852142}],"sentiment":"neutral","sentiment_score":0.03506053018976341,"num_words":22,"start":177.12,"end":192.44499},{"sentences":[{"text":"Yep.","start":196.29999,"end":196.79999,"sentiment":"neutral","sentiment_score":-0.01473283674567938},{"text":"Mhmm.","start":200.21999,"end":200.71999,"sentiment":"neutral","sentiment_score":-0.004268310032784939},{"text":"So would it be like you previously had you had down about 80% field, which is on the out of the office, basically, and 20% in the office.","start":207.035,"end":214.715,"sentiment":"neutral","sentiment_score":-0.013660934288054705},{"text":"Would that be correct?","start":214.715,"end":215.695,"sentiment":"neutral","sentiment_score":-0.0011742908973246813},{"text":"Or if yep.","start":215.995,"end":219.455,"sentiment":"neutral","sentiment_score":-0.007797048582384984}],"sentiment":"neutral","sentiment_score":-0.011610692329201344,"num_words":37,"start":196.29999,"end":219.455},{"sentences":[{"text":"Okay.","start":219.755,"end":220.255,"sentiment":"neutral","sentiment_score":0.005831305868923664},{"text":"Okay.","start":221.275,"end":221.595,"sentiment":"neutral","sentiment_score":0.0760011076927185},{"text":"Beautiful.","start":221.595,"end":222.095,"sentiment":"neutral","sentiment_score":0.13422298431396484},{"text":"And when did you start with Fraser Coast Council?","start":222.92001,"end":225.98001,"sentiment":"neutral","sentiment_score":0.0295953591250711},{"text":"Okay.","start":229.16,"end":229.66,"sentiment":"neutral","sentiment_score":0.020356465131044388}],"sentiment":"neutral","sentiment_score":0.038674622702483945,"num_words":13,"start":219.755,"end":229.66},{"sentences":[{"text":"That's okay.","start":233.96,"end":234.44,"sentiment":"neutral","sentiment_score":0.01903416682034731},{"text":"It doesn't need to be Yeah.","start":234.44,"end":236.20001,"sentiment":"neutral","sentiment_score":-0.00048509687864376855},{"text":"Doesn't need to be exact.","start":236.20001,"end":237.58,"sentiment":"neutral","sentiment_score":-0.005501323286443949},{"text":"That's alright.","start":237.64,"end":238.38,"sentiment":"neutral","sentiment_score":0.03320670872926712},{"text":"And so you're an employee now?","start":239.055,"end":241.155,"sentiment":"neutral","sentiment_score":0.016505652728180092}],"sentiment":"neutral","sentiment_score":0.008242784274487002,"num_words":21,"start":233.96,"end":241.155},{"sentences":[{"text":"Beautiful.","start":243.455,"end":243.955,"sentiment":"neutral","sentiment_score":0.11383156478405},{"text":"And how many hours per 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right?","start":481.67502,"end":482.96002,"sentiment":"neutral","sentiment_score":0.13741764277219773},{"text":"Yep.","start":485.18002,"end":485.68002,"sentiment":"neutral","sentiment_score":0.06468881666660309}],"sentiment":"neutral","sentiment_score":0.25136347860097885,"num_words":17,"start":471.195,"end":485.68002},{"sentences":[{"text":"Okay.","start":485.98,"end":486.48,"sentiment":"neutral","sentiment_score":0.037738703191280365},{"text":"And with the savings, is that going into an offset account, or is it going into a is it going any anywhere in particular?","start":487.18002,"end":496.485,"sentiment":"neutral","sentiment_score":0.018312151078134775},{"text":"The is it tagged for 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easy.","start":612.46497,"end":613.20496,"sentiment":"neutral","sentiment_score":0.1424768678843975},{"text":"No.","start":615.185,"end":615.345,"sentiment":"neutral","sentiment_score":-0.025153227150440216}],"sentiment":"neutral","sentiment_score":0.08050522729754447,"num_words":10,"start":610.46497,"end":615.345},{"sentences":[{"text":"That's okay.","start":615.345,"end":616.165,"sentiment":"neutral","sentiment_score":0.007898750714957714},{"text":"Then also so asset wise, we have the house at valued at 700,000.","start":618.065,"end":626.8,"sentiment":"neutral","sentiment_score":0.019660406889250644},{"text":"Would that be correct 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right?","start":650.84,"end":655.34,"sentiment":"neutral","sentiment_score":-0.0007411160816748937}],"sentiment":"neutral","sentiment_score":0.048665006590240145,"num_words":17,"start":641.45496,"end":655.34},{"sentences":[{"text":"Beautiful.","start":656.12,"end":656.62,"sentiment":"positive","sentiment_score":0.3713114857673645},{"text":"Fantastic.","start":663.4,"end":663.9,"sentiment":"positive","sentiment_score":0.42499840259552},{"text":"And we had two cars.","start":665.875,"end":668.03503,"sentiment":"neutral","sentiment_score":0.1456539124250412},{"text":"One valued at 15 and one valued at 5.","start":668.03503,"end":671.175,"sentiment":"neutral","sentiment_score":0.08853586100869709},{"text":"Would that be right?","start":671.555,"end":672.695,"sentiment":"neutral","sentiment_score":0.09864119254052639}],"sentiment":"neutral","sentiment_score":0.1357983484864235,"num_words":20,"start":656.12,"end":672.695},{"sentences":[{"text":"And no debt attached to those?","start":674.675,"end":676.695,"sentiment":"neutral","sentiment_score":-0.003812214204420646},{"text":"No.","start":679.17004,"end":679.67004,"sentiment":"neutral","sentiment_score":-0.09460943937301636},{"text":"Megan, we had a hex debt here of 40.","start":679.81,"end":682.71,"sentiment":"neutral","sentiment_score":-0.07995771989226341},{"text":"Is that still Okay.","start":682.85004,"end":701.20496,"sentiment":"neutral","sentiment_score":-0.033884452655911446},{"text":"Sorry?","start":706.92004,"end":707.42004,"sentiment":"neutral","sentiment_score":-0.017463557422161102}],"sentiment":"neutral","sentiment_score":-0.047147789127415136,"num_words":21,"start":674.675,"end":707.42004},{"sentences":[{"text":"Oh, yeah.","start":712.2,"end":712.84,"sentiment":"neutral","sentiment_score":0.018583691213279963},{"text":"Of course.","start":712.84,"end":713.4,"sentiment":"neutral","sentiment_score":0.08218454197049141},{"text":"Thank you.","start":713.4,"end":714.14,"sentiment":"positive","sentiment_score":0.3408482074737549},{"text":"And I also have a share portfolio noted here with a balance of about 1,000.","start":714.68005,"end":721.765,"sentiment":"neutral","sentiment_score":0.06822815835475922},{"text":"Is that still current?","start":721.825,"end":723.045,"sentiment":"neutral","sentiment_score":0.03771616751328111}],"sentiment":"neutral","sentiment_score":0.0823007970675826,"num_words":25,"start":712.2,"end":723.045},{"sentences":[{"text":"Yep.","start":727.665,"end":728.165,"sentiment":"neutral","sentiment_score":0.0034420655574649572},{"text":"Okay.","start":728.64,"end":729.14,"sentiment":"neutral","sentiment_score":0.006297410931438208},{"text":"Did you How much?","start":731.12,"end":736.8,"sentiment":"neutral","sentiment_score":-0.0054001579992473125},{"text":"Sorry?","start":736.8,"end":737.3,"sentiment":"neutral","sentiment_score":-0.03544888645410538},{"text":"In the share 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you.","start":756.155,"end":766.71,"sentiment":"neutral","sentiment_score":0.007430060999467967}],"sentiment":"neutral","sentiment_score":0.11250323493033648,"num_words":25,"start":744.315,"end":766.71},{"sentences":[{"text":"Yep.","start":766.77,"end":767.27,"sentiment":"neutral","sentiment_score":0.10092082619667052},{"text":"Beautiful.","start":767.41,"end":767.91,"sentiment":"neutral","sentiment_score":0.2755016088485718},{"text":"Yep.","start":770.53,"end":771.03,"sentiment":"neutral","sentiment_score":0.047505758702754974},{"text":"And how much is in your offset?","start":771.09,"end":786.135,"sentiment":"neutral","sentiment_score":0.019882162234612873},{"text":"With your savings, are you saving for anything in particular, or is it a rainy day fund or a an emergency 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your boss will receive I'm just gonna see.","start":988.83997,"end":995.33997,"sentiment":"neutral","sentiment_score":0.0014599895969565427}],"sentiment":"neutral","sentiment_score":0.05491807866984835,"num_words":39,"start":978.17505,"end":995.33997},{"sentences":[{"text":"No.","start":1004.11505,"end":1004.35504,"sentiment":"neutral","sentiment_score":-0.11891962587833405},{"text":"That's okay.","start":1004.35504,"end":1004.99506,"sentiment":"neutral","sentiment_score":-0.05304303206503391},{"text":"It's on here for me to get those over to you, so that is absolutely fine.","start":1004.99506,"end":1010.53503,"sentiment":"neutral","sentiment_score":0.07773479842580855},{"text":"Don't stress too much.","start":1010.59503,"end":1012.05505,"sentiment":"neutral","sentiment_score":-0.14843207504600286},{"text":"I am going to when you have a chance, you'll see that in your emails that you will have a annual review document.","start":1012.755,"end":1023.16003,"sentiment":"neutral","sentiment_score":0.19599212123000104}],"sentiment":"neutral","sentiment_score":0.1072356863676206,"num_words":46,"start":1004.11505,"end":1023.16003},{"sentences":[{"text":"So I'm gonna talk to these a little bit with that.","start":1024.66,"end":1031.355,"sentiment":"neutral","sentiment_score":0.11304464733058756},{"text":"Sorry.","start":1031.6749,"end":1032.1749,"sentiment":"neutral","sentiment_score":-0.11032571643590929},{"text":"One moment.","start":1033.275,"end":1034.015,"sentiment":"neutral","sentiment_score":-0.10500777512788773},{"text":"It's the computer is not playing nice with me today.","start":1034.715,"end":1038.015,"sentiment":"negative","sentiment_score":-0.5782374709844589},{"text":"You'll both receive it, and it's gonna have the documents that I'm gonna talk through with you both attached.","start":1038.475,"end":1050.0399,"sentiment":"neutral","sentiment_score":0.1556831159089741}],"sentiment":"neutral","sentiment_score":-0.04421501520068147,"num_words":43,"start":1024.66,"end":1050.0399},{"sentences":[{"text":"There are some signature pages at the end, but when you click on the link, you won't need to you click sign, and it will open the documents, but you don't actually need to sign anything.","start":1050.34,"end":1061.7,"sentiment":"neutral","sentiment_score":0.06676826745064722},{"text":"We're gonna work walk through them first.","start":1061.7,"end":1064.035,"sentiment":"neutral","sentiment_score":0.24244884295122965},{"text":"And the first document in that pack is what we call our summary of insurances, a summary of superannuation insurances.","start":1065.615,"end":1076.77,"sentiment":"neutral","sentiment_score":0.2745527319610119},{"text":"So it's just gonna give you a very brief overview of the types of cover you have.","start":1077.15,"end":1081.15,"sentiment":"neutral","sentiment_score":0.3025011551730773},{"text":"So, Michael, your super is with hub twenty four where you both are.","start":1081.15,"end":1086.61,"sentiment":"neutral","sentiment_score":0.13934549746605066}],"sentiment":"neutral","sentiment_score":0.1779125298183131,"num_words":93,"start":1050.34,"end":1086.61},{"sentences":[{"text":"Your balance sits at about $127,011, and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund.","start":1086.91,"end":1100.265,"sentiment":"neutral","sentiment_score":0.10689555022578973},{"text":"Megan, your sorry.","start":1102.72,"end":1105.46,"sentiment":"neutral","sentiment_score":-0.02770339573423068},{"text":"I'm looking skipping pages here.","start":1105.52,"end":1108.08,"sentiment":"neutral","sentiment_score":-0.15747952759265899},{"text":"I'm gonna split my screen, 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covers.","start":1127.67,"end":1141.37,"sentiment":"negative","sentiment_score":-0.3629500701509673},{"text":"But it's potentially worth having a conversation and planning with a dependent and on on the way and debt levels and things such as thinking about if something was to happen to either of you, how would you financially survive?","start":1142.4551,"end":1162.24,"sentiment":"neutral","sentiment_score":-0.17037836275994778},{"text":"Would would the remaining partner go back to work and the time frame and all these really, really confronting questions.","start":1162.38,"end":1168.88,"sentiment":"neutral","sentiment_score":-0.2571283929049969}],"sentiment":"neutral","sentiment_score":-0.19095539298277717,"num_words":111,"start":1118.755,"end":1168.88},{"sentences":[{"text":"So it is probably worth having a conversation about insurances and reviewing whether your covers are appropriate for your impending family change shortly.","start":1170.915,"end":1187.45,"sentiment":"neutral","sentiment_score":0.21215869162393652},{"text":"So we can we can do that now, or we can look at it later.","start":1188.47,"end":1192.41,"sentiment":"neutral","sentiment_score":0.028254749750097594},{"text":"Megan, you're insured for about a million dollars, just over a million dollars.","start":1192.63,"end":1197.61,"sentiment":"neutral","sentiment_score":0.006545538118538948},{"text":"Michael, you're insured for about $445,000.","start":1198.23,"end":1202.5751,"sentiment":"neutral","sentiment_score":-0.001979695225600153},{"text":"So there's definitely a need to look at reviewing these.","start":1203.675,"end":1208.7351,"sentiment":"neutral","sentiment_score":-0.12751472145318984}],"sentiment":"neutral","sentiment_score":0.06121698154115688,"num_words":67,"start":1170.915,"end":1208.7351},{"sentences":[{"text":"It it it's really just probably dependent on your time frame and when you wanna do 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questions.","start":1230.275,"end":1234.995,"sentiment":"neutral","sentiment_score":0.13389738177259763},{"text":"So I apologize in advance for that.","start":1234.995,"end":1236.93,"sentiment":"neutral","sentiment_score":-0.152377510709422},{"text":"The next document that you will both see in your pack is a performance report.","start":1239.7301,"end":1244.2301,"sentiment":"neutral","sentiment_score":0.02792606974641482}],"sentiment":"neutral","sentiment_score":0.055878341006927,"num_words":39,"start":1229.395,"end":1244.2301},{"sentences":[{"text":"Michael, I'll start with yours.","start":1244.6901,"end":1246.31,"sentiment":"neutral","sentiment_score":0.02052636332809925},{"text":"Overall, the return sat at about 5.63%, and that's after fees.","start":1247.17,"end":1252.9349,"sentiment":"neutral","sentiment_score":0.005844266069206325},{"text":"Within your funds, though, when you open the document, it hasn't performed as much as we would expect a high growth portfolio to perform, and that's mainly due to one of the funds that's held in there.","start":1254.5149,"end":1265.6349,"sentiment":"neutral","sentiment_score":-0.14824301648784327},{"text":"And it's the very first one when you look at the report, Ben along Australian Equities Fund.","start":1265.6349,"end":1270.17,"sentiment":"neutral","sentiment_score":-0.05365117858437931},{"text":"They unfortunately returned a negative return of 15.94% in the last twelve months.","start":1271.27,"end":1277.13,"sentiment":"negative","sentiment_score":-0.5959485104450812}],"sentiment":"neutral","sentiment_score":-0.16840329564299927,"num_words":83,"start":1244.6901,"end":1277.13},{"sentences":[{"text":"The reason being not that the invest the Australian share market is underperforming in any means.","start":1278.905,"end":1285.645,"sentiment":"negative","sentiment_score":-0.4126322250813246},{"text":"It's the investment mandate that Banner Long adheres to.","start":1286.025,"end":1289.065,"sentiment":"neutral","sentiment_score":-0.20194816258218554},{"text":"So their mandate is to identify what they feel are underperforming or undervalued sorry, undervalued funds within the Australian share market for growth opportunities.","start":1289.065,"end":1301.34,"sentiment":"neutral","sentiment_score":-0.2571124564856291},{"text":"Last twelve months or so, it's been the banks and the big institutions that have performed from a growth perspective.","start":1302.28,"end":1309.9751,"sentiment":"neutral","sentiment_score":-0.17788541913032532},{"text":"So the the investment mandate, so to speak, have been along.","start":1311.795,"end":1315.555,"sentiment":"neutral","sentiment_score":-0.16537519476630472}],"sentiment":"neutral","sentiment_score":-0.24958979431539774,"num_words":80,"start":1278.905,"end":1315.555},{"sentences":[{"text":"And not that they're a bad investment manager, it just hasn't been hasn't been lucrative in the last twelve months or so.","start":1315.555,"end":1323.98,"sentiment":"neutral","sentiment_score":-0.317136097360741},{"text":"So what I would like to do with your permission, Michael, is look at other options that we could look at to replace Benelon just to to make sure that it's still it's appropriate to meet your goals and objectives, but also, you know, be proactive in our response to that.","start":1323.98,"end":1344.83,"sentiment":"neutral","sentiment_score":0.0644398108124733},{"text":"So, usually, we don't we're not super reactive to negative returns, but systemic ongoing ones, we start to look into a little bit further.","start":1345.21,"end":1354.75,"sentiment":"neutral","sentiment_score":-0.043995593286429845},{"text":"Beautiful.","start":1356.8099,"end":1357.305,"sentiment":"neutral","sentiment_score":0.24092760682106015},{"text":"Beautiful.","start":1359.2251,"end":1359.7251,"sentiment":"positive","sentiment_score":0.37360817193984985}],"sentiment":"neutral","sentiment_score":-0.041736588390036064,"num_words":99,"start":1315.555,"end":1359.7251},{"sentences":[{"text":"Yep.","start":1359.8651,"end":1360.3651,"sentiment":"neutral","sentiment_score":0.18327026069164276},{"text":"Fantastic.","start":1360.8251,"end":1361.3251,"sentiment":"positive","sentiment_score":0.6978694200515747},{"text":"Beautiful.","start":1362.025,"end":1362.525,"sentiment":"positive","sentiment_score":0.6190919876098633},{"text":"And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid.","start":1363.385,"end":1370.3651,"sentiment":"neutral","sentiment_score":0.08392713356901098},{"text":"Now the Australian banking framework is gonna change in the in the next little bit, actually.","start":1370.905,"end":1379.58,"sentiment":"neutral","sentiment_score":0.015255393227562308}],"sentiment":"neutral","sentiment_score":0.08718153405124726,"num_words":46,"start":1359.8651,"end":1379.58},{"sentences":[{"text":"January 2027, they're gonna be phasing out the Australian banks will phase out their hybrids.","start":1379.6399,"end":1384.94,"sentiment":"neutral","sentiment_score":-0.0027903625275939705},{"text":"Rather than sit and wait, I would like to take the approach as to seeing if there's a better yeah.","start":1386.2151,"end":1393.3351,"sentiment":"neutral","sentiment_score":-0.011015432886779308},{"text":"Be a bit more proactive.","start":1393.3351,"end":1394.395,"sentiment":"neutral","sentiment_score":-0.02049405612051487},{"text":"See if there's a better option.","start":1394.4551,"end":1395.655,"sentiment":"neutral","sentiment_score":-0.005994025928278764},{"text":"I'm I'm not inclined to sit and wait and see what the replacement option will be offered from the banks.","start":1395.655,"end":1402.27,"sentiment":"neutral","sentiment_score":-0.056701470725238325}],"sentiment":"neutral","sentiment_score":-0.023251938580704682,"num_words":66,"start":1379.6399,"end":1402.27},{"sentences":[{"text":"I mean, it's it's still doing a good return.","start":1403.37,"end":1406.73,"sentiment":"neutral","sentiment_score":0.270406826502747},{"text":"It's still valued well presently.","start":1406.73,"end":1408.35,"sentiment":"neutral","sentiment_score":0.2940756678581238},{"text":"So I'd like to just see what are the implications, if any, of us looking at replacing that also if that's alright with you.","start":1409.45,"end":1416.255,"sentiment":"neutral","sentiment_score":0.03438058076426387},{"text":"Fantastic.","start":1418.715,"end":1419.215,"sentiment":"positive","sentiment_score":0.48337674140930176},{"text":"And with the rest of your portfolio, you've got a pretty good allocation the international equity space at where at the moment we see a fair bit of value because you've got exposure to a lot more larger companies.","start":1420.555,"end":1438.16,"sentiment":"neutral","sentiment_score":0.1427347793793067}],"sentiment":"neutral","sentiment_score":0.13819495965846074,"num_words":78,"start":1403.37,"end":1438.16},{"sentences":[{"text":"Within the portfolio, you've got access to some niche markets being global cyber, battery and battery tech and lithium.","start":1438.54,"end":1448.0249,"sentiment":"neutral","sentiment_score":0.08426728256438908},{"text":"You've got some gold exposure.","start":1448.325,"end":1450.0249,"sentiment":"neutral","sentiment_score":0.08841318488121033},{"text":"So those niche markets, which we call satellite investments, you don't have a significant over you know, you're not significantly over invested in them, but you've got exposure to them.","start":1451.125,"end":1464.01,"sentiment":"neutral","sentiment_score":0.04615888906021913},{"text":"And then you've also got some exposure to China as well, which is a emerging economy as always.","start":1464.01,"end":1472.725,"sentiment":"neutral","sentiment_score":0.09258065828018719},{"text":"So your portfolio, we're pretty happy with as an overall.","start":1473.025,"end":1476.245,"sentiment":"positive","sentiment_score":0.3434426784515381}],"sentiment":"neutral","sentiment_score":0.1040096292499362,"num_words":82,"start":1438.54,"end":1476.245},{"sentences":[{"text":"It's just those two options that we'd like to look at investigating a little bit further.","start":1477.105,"end":1482.485,"sentiment":"neutral","sentiment_score":0.09911336796358228},{"text":"Beautiful.","start":1484.785,"end":1485.285,"sentiment":"neutral","sentiment_score":0.28138017654418945},{"text":"Now with yours, Megan, you've got the two funds within yours.","start":1486.0099,"end":1490.35,"sentiment":"neutral","sentiment_score":0.03723870912058787},{"text":"Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option.","start":1490.49,"end":1499.025,"sentiment":"neutral","sentiment_score":0.05782666286596885},{"text":"So you've got and I think it probably comes down to balance at the moment.","start":1499.905,"end":1503.985,"sentiment":"neutral","sentiment_score":0.02531698023279508}],"sentiment":"neutral","sentiment_score":0.06029083771442158,"num_words":69,"start":1477.105,"end":1503.985},{"sentences":[{"text":"It's you're in the Vanguard diversified growth model and the Vanguard diversified high growth model.","start":1503.985,"end":1509.765,"sentiment":"neutral","sentiment_score":0.04329357879857222},{"text":"Great funds.","start":1510.0651,"end":1510.805,"sentiment":"positive","sentiment_score":0.5280671417713165},{"text":"I like Vanguard.","start":1512.24,"end":1513.2001,"sentiment":"positive","sentiment_score":0.4562880794207255},{"text":"Good old Vanguard.","start":1513.2001,"end":1514.0,"sentiment":"positive","sentiment_score":0.5437871019045512},{"text":"They're fantastic.","start":1514.0,"end":1514.74,"sentiment":"positive","sentiment_score":0.7796372771263123}],"sentiment":"neutral","sentiment_score":0.25060152254998685,"num_words":25,"start":1503.985,"end":1514.74},{"sentences":[{"text":"I just wanted to get a gauge of where you're at with that.","start":1517.28,"end":1523.92,"sentiment":"neutral","sentiment_score":0.3242121556630501},{"text":"I mean, we could probably look at investing you across a a portfolio similar to Michael's, but I do worry if the exposure in some of those are only gonna be, you know, like, a thousand dollars here or there until your super balance continues a little more.","start":1523.92,"end":1541.82,"sentiment":"neutral","sentiment_score":0.004425299935974181},{"text":"So I really wanted to probably gauge what your thoughts were on that.","start":1541.82,"end":1546.0,"sentiment":"neutral","sentiment_score":0.04709974590402383},{"text":"Yeah.","start":1552.86,"end":1553.085,"sentiment":"neutral","sentiment_score":0.006198961287736893},{"text":"Yeah.","start":1554.365,"end":1554.865,"sentiment":"neutral","sentiment_score":0.006805441342294216}],"sentiment":"neutral","sentiment_score":0.06647991473590464,"num_words":76,"start":1517.28,"end":1554.865},{"sentences":[{"text":"Yep.","start":1555.965,"end":1556.465,"sentiment":"neutral","sentiment_score":-0.002170950174331665},{"text":"Yep.","start":1565.2999,"end":1565.7999,"sentiment":"neutral","sentiment_score":0.0349159836769104},{"text":"Yeah.","start":1578.995,"end":1579.495,"sentiment":"neutral","sentiment_score":0.07346726208925247},{"text":"Beautiful.","start":1588.755,"end":1589.255,"sentiment":"positive","sentiment_score":0.3977779746055603},{"text":"So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor.","start":1589.395,"end":1596.61,"sentiment":"neutral","sentiment_score":0.06297350387004289}],"sentiment":"neutral","sentiment_score":0.07266951366685905,"num_words":26,"start":1555.965,"end":1596.61},{"sentences":[{"text":"So, typically, from the last risk profile, like, that's an eighty twenty split.","start":1596.61,"end":1601.8099,"sentiment":"neutral","sentiment_score":0.037358586461498186},{"text":"So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael, you're a high growth, which is a ninety ten split.","start":1601.8099,"end":1610.865,"sentiment":"neutral","sentiment_score":0.05164930256812469},{"text":"So we can definitely look at that as well, Megan.","start":1611.7251,"end":1615.5651,"sentiment":"neutral","sentiment_score":0.12090987712144852},{"text":"So I'll circle back to that risk profile as well along with the insurance.","start":1615.5651,"end":1618.865,"sentiment":"neutral","sentiment_score":0.06678345985710621},{"text":"Yeah.","start":1621.405,"end":1621.645,"sentiment":"neutral","sentiment_score":0.1017949804663658}],"sentiment":"neutral","sentiment_score":0.06425340611060135,"num_words":61,"start":1596.61,"end":1621.645},{"sentences":[{"text":"Okay.","start":1621.645,"end":1621.9651,"sentiment":"neutral","sentiment_score":0.18212929368019104},{"text":"Beautiful.","start":1621.9651,"end":1622.365,"sentiment":"neutral","sentiment_score":0.11218386143445969},{"text":"I just wanted to understand from your perspective in your own words that how the Vanguard options came about.","start":1622.365,"end":1628.75,"sentiment":"neutral","sentiment_score":0.15711527670684614},{"text":"So that's beautiful.","start":1630.57,"end":1631.5299,"sentiment":"positive","sentiment_score":0.7670387625694275},{"text":"I understand that.","start":1631.5299,"end":1632.75,"sentiment":"positive","sentiment_score":0.36906901995340985}],"sentiment":"neutral","sentiment_score":0.24769728741160146,"num_words":27,"start":1621.645,"end":1632.75},{"sentences":[{"text":"Speaking of Vanguard, the next document in the pack is the Vanguard index chart.","start":1633.37,"end":1637.7899,"sentiment":"neutral","sentiment_score":0.1337645032576152},{"text":"We supply this as a nice little visual.","start":1638.315,"end":1640.495,"sentiment":"positive","sentiment_score":0.37855861335992813},{"text":"It explains well, if you look when you'd have a chance or if you're looking at it now, Megan, I'm not sure, you will you'll see the top four assets.","start":1640.875,"end":1649.595,"sentiment":"neutral","sentiment_score":0.09932880078752836},{"text":"They're your growth assets.","start":1649.595,"end":1650.635,"sentiment":"neutral","sentiment_score":0.05006367899477482},{"text":"So they're the one that I alluded to that it's for Michael, you're invested in 90% of it.","start":1650.635,"end":1655.7899,"sentiment":"neutral","sentiment_score":0.03882014565169811}],"sentiment":"neutral","sentiment_score":0.11864936910569668,"num_words":74,"start":1633.37,"end":1655.7899},{"sentences":[{"text":"Megan, at the moment, you're about 80%, and they're they're your growth assets.","start":1656.49,"end":1660.8099,"sentiment":"neutral","sentiment_score":0.03574750787363602},{"text":"So you'll see that in the chart, they're the ones that experience the most volatility, and you can attribute a lot of the volatility to world events.","start":1660.8099,"end":1669.615,"sentiment":"neutral","sentiment_score":0.015918037888628465},{"text":"In a high growth portfolio, we always say you have an investment time frame of at least eight years.","start":1671.1951,"end":1680.4601,"sentiment":"neutral","sentiment_score":0.03729994281342155},{"text":"So given that you're both Michael, you've got twenty seven years, so you can access super.","start":1680.76,"end":1685.74,"sentiment":"neutral","sentiment_score":0.04797289613634348},{"text":"Megan, you've got thirty three years, so you can access super based on today's legislation and super access rules.","start":1685.8,"end":1693.26,"sentiment":"neutral","sentiment_score":0.03763759018559205}],"sentiment":"neutral","sentiment_score":0.03282855415439352,"num_words":94,"start":1656.49,"end":1693.26},{"sentences":[{"text":"You have time on your side.","start":1693.4801,"end":1695.0449,"sentiment":"neutral","sentiment_score":0.04036490432918072},{"text":"So you are able to take that to the higher risk.","start":1695.0449,"end":1700.485,"sentiment":"neutral","sentiment_score":0.008529966866428202},{"text":"If a 100 percent.","start":1700.485,"end":1702.9049,"sentiment":"neutral","sentiment_score":-0.025220183189958334},{"text":"Yeah.","start":1704.245,"end":1704.745,"sentiment":"neutral","sentiment_score":-0.032936546951532364},{"text":"If you were five years away, we'd be having a different conversation.","start":1704.965,"end":1708.0249,"sentiment":"neutral","sentiment_score":-0.09179745552440484}],"sentiment":"neutral","sentiment_score":-0.026451990720542037,"num_words":34,"start":1693.4801,"end":1708.0249},{"sentences":[{"text":"So and then, you know, the Australian bonds and the cash, they're the defensive part of your portfolio.","start":1710.38,"end":1715.98,"sentiment":"neutral","sentiment_score":0.017854154937797122},{"text":"So you will see over the long term, they do experience a little bit of growth as to say, but their job in the portfolio is to really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio.","start":1715.98,"end":1732.435,"sentiment":"neutral","sentiment_score":0.06656017844030197},{"text":"The next order documents are your certificate of currency.","start":1736.975,"end":1740.55,"sentiment":"neutral","sentiment_score":0.03783540241420269},{"text":"So, Michael, at the moment, you're insured for life and TPD of 444,893, and your income protection is $4,423 per month.","start":1740.55,"end":1756.385,"sentiment":"neutral","sentiment_score":0.024389620604259626},{"text":"Now what I'm going to do sorry.","start":1756.6849,"end":1759.665,"sentiment":"neutral","sentiment_score":-0.14749525487422943}],"sentiment":"neutral","sentiment_score":0.03205820633208051,"num_words":102,"start":1710.38,"end":1759.665},{"sentences":[{"text":"Doing a little calculation.","start":1759.885,"end":1762.465,"sentiment":"neutral","sentiment_score":0.0074873806443065405},{"text":"Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior?","start":1762.9249,"end":1777.28,"sentiment":"neutral","sentiment_score":-0.00665137397065278},{"text":"Yeah.","start":1786.795,"end":1787.035,"sentiment":"neutral","sentiment_score":0.0022150203585624695},{"text":"Okay.","start":1787.035,"end":1787.535,"sentiment":"neutral","sentiment_score":0.000895913690328598},{"text":"Yeah.","start":1792.875,"end":1793.375,"sentiment":"neutral","sentiment_score":0.023846592754125595}],"sentiment":"neutral","sentiment_score":-0.0039285669397366675,"num_words":38,"start":1759.885,"end":1793.375},{"sentences":[{"text":"I think what we might do is have a look at I'm just gonna do another quick calculation.","start":1795.2899,"end":1800.51,"sentiment":"neutral","sentiment_score":0.024687877028352685},{"text":"$495.08.","start":1802.33,"end":1803.63,"sentiment":"neutral","sentiment_score":0.013890458270907402},{"text":"Yeah.","start":1803.69,"end":1804.19,"sentiment":"neutral","sentiment_score":-0.0010329708456993103},{"text":"At the moment, I don't think it's worth looking at increasing your income protection.","start":1804.85,"end":1810.695,"sentiment":"neutral","sentiment_score":-0.1907380915113858},{"text":"The reason being and I can put this all in an email for you guys to have a consider.","start":1811.075,"end":1816.695,"sentiment":"neutral","sentiment_score":0.10184604831432041}],"sentiment":"neutral","sentiment_score":-0.005245643193429371,"num_words":53,"start":1795.2899,"end":1816.695},{"sentences":[{"text":"Based on 85, we would book an income protection sum insured increase of $535 a month.","start":1818.195,"end":1827.86,"sentiment":"neutral","sentiment_score":0.043088571866974235},{"text":"We wouldn't be able to increase it to 70% of the 100,000 until you could prove that you were earning for a whole year.","start":1829.28,"end":1838.48,"sentiment":"neutral","sentiment_score":0.0011490215547382832},{"text":"Yeah.","start":1838.48,"end":1838.98,"sentiment":"neutral","sentiment_score":0.04627072066068649},{"text":"Yep.","start":1840.595,"end":1841.095,"sentiment":"neutral","sentiment_score":0.0697217732667923},{"text":"Yep.","start":1842.0349,"end":1842.5349,"sentiment":"neutral","sentiment_score":0.01576191559433937}],"sentiment":"neutral","sentiment_score":0.01973832736528197,"num_words":43,"start":1818.195,"end":1842.5349},{"sentences":[{"text":"So 100%.","start":1843.5549,"end":1850.0549,"sentiment":"neutral","sentiment_score":0.01625215262174607},{"text":"I'm gonna make a reminder for July 2026 to touch base about your or twenty seventh.","start":1850.835,"end":1858.34,"sentiment":"neutral","sentiment_score":0.041096855769865215},{"text":"Sorry.","start":1858.88,"end":1859.36,"sentiment":"neutral","sentiment_score":-0.08370402455329895},{"text":"Touch base about your IP.","start":1859.36,"end":1861.06,"sentiment":"neutral","sentiment_score":-0.0972516156733036},{"text":"We would the reason why we wouldn't do it now is I mean, we could do it now, but then you're paying for a premium that you're not actually able to claim on.","start":1861.36,"end":1870.205,"sentiment":"neutral","sentiment_score":-0.2350847093444882}],"sentiment":"neutral","sentiment_score":-0.13399479848643145,"num_words":57,"start":1843.5549,"end":1870.205},{"sentences":[{"text":"So it's not it's not of any exactly.","start":1870.665,"end":1873.725,"sentiment":"neutral","sentiment_score":-0.28335355781018734},{"text":"There's no benefit to you whatsoever.","start":1873.785,"end":1875.645,"sentiment":"negative","sentiment_score":-0.5656037231286367},{"text":"So I'm gonna make a note of that.","start":1876.425,"end":1878.685,"sentiment":"neutral","sentiment_score":0.0009907614439725876},{"text":"But with your life and TPD, what I probably wanna understand from the both of you because it's gonna I'd say your answers are gonna be probably somewhat similar.","start":1879.145,"end":1890.05,"sentiment":"neutral","sentiment_score":-0.02406761022124054},{"text":"In the event and we'll use yesterday as an example because we know nothing happened, in the event of either of you passing, what is the absolute bare minimum do you want covered?","start":1890.91,"end":1903.025,"sentiment":"neutral","sentiment_score":-0.051567222302158676}],"sentiment":"neutral","sentiment_score":-0.0958595683581994,"num_words":84,"start":1870.665,"end":1903.025},{"sentences":[{"text":"Is it debt?","start":1903.085,"end":1904.3049,"sentiment":"neutral","sentiment_score":-0.07884453982114792},{"text":"So the house repaid?","start":1907.325,"end":1908.83,"sentiment":"neutral","sentiment_score":-0.062491883523762226},{"text":"Yep.","start":1912.49,"end":1912.99,"sentiment":"neutral","sentiment_score":-0.004316834732890129},{"text":"Mhmm.","start":1917.21,"end":1917.71,"sentiment":"neutral","sentiment_score":0.23441623151302335},{"text":"Yep.","start":1921.69,"end":1922.19,"sentiment":"neutral","sentiment_score":0.20051079988479617}],"sentiment":"neutral","sentiment_score":-0.005589095689356324,"num_words":10,"start":1903.085,"end":1922.19},{"sentences":[{"text":"So would you let's say worst case scenario, after time of grieving and getting back on your feet and navigating the new world, Do you think you would both return to work?","start":1922.7649,"end":1939.8401,"sentiment":"neutral","sentiment_score":-0.08948227817745646},{"text":"Yeah.","start":1942.9401,"end":1943.4401,"sentiment":"neutral","sentiment_score":-0.03780542314052582},{"text":"Yeah.","start":1944.3,"end":1944.8,"sentiment":"neutral","sentiment_score":-0.006040118634700775},{"text":"Do you yeah.","start":1945.18,"end":1947.04,"sentiment":"neutral","sentiment_score":-0.05439648528893789},{"text":"It is.","start":1948.38,"end":1949.12,"sentiment":"neutral","sentiment_score":-0.25022535026073456}],"sentiment":"neutral","sentiment_score":-0.09156201538056709,"num_words":39,"start":1922.7649,"end":1949.12},{"sentences":[{"text":"It is, isn't it?","start":1949.3401,"end":1950.56,"sentiment":"neutral","sentiment_score":-0.11155006662011147},{"text":"So mhmm.","start":1951.395,"end":1956.295,"sentiment":"neutral","sentiment_score":-0.07663172297179699},{"text":"Yeah.","start":1958.595,"end":1958.835,"sentiment":"neutral","sentiment_score":0.006474032998085022},{"text":"Yeah.","start":1958.835,"end":1959.335,"sentiment":"neutral","sentiment_score":0.022494802251458168},{"text":"Exactly.","start":1963.94,"end":1964.44,"sentiment":"neutral","sentiment_score":0.047412436455488205}],"sentiment":"neutral","sentiment_score":-0.05812027119100094,"num_words":9,"start":1949.3401,"end":1964.44},{"sentences":[{"text":"Yeah.","start":1964.9,"end":1965.0599,"sentiment":"neutral","sentiment_score":0.0874808132648468},{"text":"Yep.","start":1965.0599,"end":1965.38,"sentiment":"neutral","sentiment_score":0.08357878774404526},{"text":"So we've so if the debt was repaid repaid, what do you think taking away any expenses, like education expenses, anything like that, what would you need a week to survive with no debt?","start":1965.38,"end":1982.455,"sentiment":"neutral","sentiment_score":-0.04728854075074196},{"text":"So you just have your normal expenses.","start":1984.195,"end":1986.135,"sentiment":"neutral","sentiment_score":0.02505976254386561},{"text":"Would it can remain 800?","start":1987.235,"end":1989.255,"sentiment":"neutral","sentiment_score":0.020641995966434477}],"sentiment":"neutral","sentiment_score":-0.024127551393272977,"num_words":48,"start":1964.9,"end":1989.255},{"sentences":[{"text":"What you're doing spending now?","start":1991.635,"end":1993.88,"sentiment":"neutral","sentiment_score":-0.007126303389668465},{"text":"A thousand.","start":1997.86,"end":1998.52,"sentiment":"neutral","sentiment_score":0.027722042053937912},{"text":"Yep.","start":1998.5801,"end":1999.0801,"sentiment":"neutral","sentiment_score":0.059750527143478394},{"text":"Yep.","start":2002.1,"end":2002.6,"sentiment":"neutral","sentiment_score":-0.03408091515302658},{"text":"Yep.","start":2012.035,"end":2012.535,"sentiment":"neutral","sentiment_score":0.08282233774662018}],"sentiment":"neutral","sentiment_score":0.012830451689660549,"num_words":10,"start":1991.635,"end":2012.535},{"sentences":[{"text":"And do you think you would need childcare?","start":2013.155,"end":2015.495,"sentiment":"neutral","sentiment_score":0.03309187851846218},{"text":"Yep.","start":2018.515,"end":2019.015,"sentiment":"neutral","sentiment_score":0.02918759547173977},{"text":"Yep.","start":2019.4751,"end":2019.9751,"sentiment":"neutral","sentiment_score":0.05540888756513595},{"text":"That's okay.","start":2020.355,"end":2020.83,"sentiment":"neutral","sentiment_score":0.18792662769556046},{"text":"I've got figures that I can I can use for that?","start":2021.63,"end":2024.11,"sentiment":"neutral","sentiment_score":0.04089632054621523}],"sentiment":"neutral","sentiment_score":0.05108888228626355,"num_words":23,"start":2013.155,"end":2024.11},{"sentences":[{"text":"That's alright.","start":2024.11,"end":2024.9099,"sentiment":"neutral","sentiment_score":0.044959431514143944},{"text":"We use average figures.","start":2024.9099,"end":2026.37,"sentiment":"neutral","sentiment_score":0.0205474398098886},{"text":"All the things that you you don't think of yet, and then all of a sudden, it's, like, in your face.","start":2029.95,"end":2035.4099,"sentiment":"neutral","sentiment_score":-0.10199781471774691},{"text":"Okay.","start":2036.905,"end":2037.405,"sentiment":"neutral","sentiment_score":0.14417295157909393},{"text":"And alright.","start":2037.7051,"end":2038.8251,"sentiment":"neutral","sentiment_score":0.20047783851623535}],"sentiment":"neutral","sentiment_score":-0.047490561939775945,"num_words":30,"start":2024.11,"end":2038.8251},{"sentences":[{"text":"So that's fine.","start":2038.8251,"end":2039.625,"sentiment":"positive","sentiment_score":0.37809009353319806},{"text":"That helps me a little bit.","start":2039.625,"end":2041.3251,"sentiment":"positive","sentiment_score":0.35524478120108444},{"text":"And with education, I guess, hard question to answer unless you guys had a chat about it.","start":2042.8251,"end":2049.0,"sentiment":"neutral","sentiment_score":-0.0030422867001856074},{"text":"Are you thinking private or public education?","start":2049.08,"end":2051.5,"sentiment":"neutral","sentiment_score":0.001864412799477577},{"text":"Mhmm.","start":2057.32,"end":2057.82,"sentiment":"neutral","sentiment_score":0.0073725031688809395}],"sentiment":"neutral","sentiment_score":0.09513069078435793,"num_words":34,"start":2038.8251,"end":2057.82},{"sentences":[{"text":"Yep.","start":2071.1748,"end":2071.6748,"sentiment":"neutral","sentiment_score":0.022486424073576927},{"text":"No.","start":2075.095,"end":2075.335,"sentiment":"neutral","sentiment_score":-0.05915512517094612},{"text":"That's okay.","start":2075.335,"end":2076.075,"sentiment":"neutral","sentiment_score":0.07608182355761528},{"text":"That's alright.","start":2076.3699,"end":2076.93,"sentiment":"neutral","sentiment_score":0.3049844801425934},{"text":"That gives me something to work with definitely for the both of you.","start":2076.93,"end":2080.47,"sentiment":"neutral","sentiment_score":0.3118426272502312}],"sentiment":"neutral","sentiment_score":0.25154831897663443,"num_words":19,"start":2071.1748,"end":2080.47},{"sentences":[{"text":"Is there anything else that you think that you would want covered in the events financially that you would need?","start":2080.77,"end":2088.63,"sentiment":"neutral","sentiment_score":0.15701466463506222},{"text":"Because you also have super balances as well.","start":2089.17,"end":2091.745,"sentiment":"neutral","sentiment_score":0.106896604411304},{"text":"So we'd work that out backwards as to what the need of income is.","start":2091.745,"end":2095.605,"sentiment":"neutral","sentiment_score":0.06699142072881971},{"text":"Oh, sorry.","start":2097.425,"end":2098.145,"sentiment":"neutral","sentiment_score":0.007373036816716194},{"text":"The life insurance would be.","start":2098.145,"end":2100.165,"sentiment":"neutral","sentiment_score":-0.03106018379330635}],"sentiment":"neutral","sentiment_score":0.09781206475228679,"num_words":49,"start":2080.77,"end":2100.165},{"sentences":[{"text":"So I'll work that backwards.","start":2100.545,"end":2102.0051,"sentiment":"neutral","sentiment_score":0.016734425723552705},{"text":"Anything else that you can that you feel I may have missed?","start":2102.785,"end":2107.07,"sentiment":"neutral","sentiment_score":0.010746642636756102},{"text":"No.","start":2120.1702,"end":2120.57,"sentiment":"neutral","sentiment_score":-0.1899433135986328},{"text":"No.","start":2120.57,"end":2121.07,"sentiment":"neutral","sentiment_score":-0.19303551316261292},{"text":"Yeah.","start":2121.945,"end":2122.445,"sentiment":"neutral","sentiment_score":-0.043560758233070374}],"sentiment":"neutral","sentiment_score":-0.010695387236773967,"num_words":20,"start":2100.545,"end":2122.445},{"sentences":[{"text":"Yep.","start":2124.985,"end":2125.465,"sentiment":"neutral","sentiment_score":-0.001722267596051097},{"text":"Yep.","start":2125.465,"end":2125.965,"sentiment":"neutral","sentiment_score":0.002537161810323596},{"text":"Yes.","start":2128.0251,"end":2128.5251,"sentiment":"neutral","sentiment_score":0.01471139583736658},{"text":"Yeah.","start":2128.8252,"end":2129.225,"sentiment":"neutral","sentiment_score":-0.014376663602888584},{"text":"No.","start":2129.225,"end":2129.465,"sentiment":"neutral","sentiment_score":-0.1362452507019043}],"sentiment":"neutral","sentiment_score":-0.02701912485063076,"num_words":5,"start":2124.985,"end":2129.465},{"sentences":[{"text":"I I I always allow for that in my calculations because you can't it's it's not possible.","start":2129.465,"end":2137.24,"sentiment":"neutral","sentiment_score":-0.1953065605724559},{"text":"It's and it's not realistic.","start":2137.7,"end":2139.24,"sentiment":"neutral","sentiment_score":-0.26187894940376283},{"text":"With the TPD cover, what we look at is typically the things that we've spoken about, but also out of pocket medic well, not out of pocket medical expenses.","start":2140.74,"end":2152.415,"sentiment":"neutral","sentiment_score":-0.08908508229872276},{"text":"It's ongoing care.","start":2152.475,"end":2154.235,"sentiment":"neutral","sentiment_score":-0.08230466147263844},{"text":"So I might I'd look at those levels of cover that we've talked about for life and look at the TPD ongoing care and have a look at that to see what what kind of figures we're looking at needing.","start":2154.235,"end":2171.24,"sentiment":"neutral","sentiment_score":-0.025826421892270447}],"sentiment":"neutral","sentiment_score":-0.09035153748427933,"num_words":94,"start":2129.465,"end":2171.24},{"sentences":[{"text":"With the income protection, we're gonna wait for you, Michael.","start":2172.9,"end":2176.52,"sentiment":"neutral","sentiment_score":0.0033624470233917236},{"text":"Unfortunately, Megan, we can't do much for you at the moment either.","start":2176.98,"end":2182.595,"sentiment":"neutral","sentiment_score":-0.1859490480273962},{"text":"But what I do wanna do is just check your income because I think yours might be pretty spot on, actually.","start":2183.2952,"end":2190.115,"sentiment":"neutral","sentiment_score":0.09627177176021394},{"text":"Yeah.","start":2194.8152,"end":2195.0552,"sentiment":"positive","sentiment_score":0.3348179757595062},{"text":"Yours is perfect.","start":2195.0552,"end":2196.27,"sentiment":"positive","sentiment_score":0.48459592461586}],"sentiment":"neutral","sentiment_score":0.03430955001014344,"num_words":47,"start":2172.9,"end":2196.27},{"sentences":[{"text":"No.","start":2196.57,"end":2196.9702,"sentiment":"neutral","sentiment_score":0.08699668943881989},{"text":"Without a word of a lie to the dollar.","start":2196.9702,"end":2198.9102,"sentiment":"neutral","sentiment_score":-0.0579861162437333},{"text":"So your income protection is absolutely perfect at the moment.","start":2199.2102,"end":2204.4302,"sentiment":"neutral","sentiment_score":0.2996265642344952},{"text":"What what we can do is I'm just gonna do a little bit of investigating on that and see how that works while you're on maternity leave.","start":2205.9302,"end":2216.945,"sentiment":"neutral","sentiment_score":0.06947858948950414},{"text":"So I'm gonna come back to you on that.","start":2216.945,"end":2218.965,"sentiment":"neutral","sentiment_score":0.08892534590429729}],"sentiment":"neutral","sentiment_score":0.0935292377668832,"num_words":56,"start":2196.57,"end":2218.965},{"sentences":[{"text":"The next document in the pack is our financial services guide.","start":2220.865,"end":2225.04,"sentiment":"neutral","sentiment_score":0.08709434081207622},{"text":"So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process.","start":2225.04,"end":2245.835,"sentiment":"neutral","sentiment_score":0.012830128964896385},{"text":"So that's available in your pack and also on the website.","start":2246.1348,"end":2250.2349,"sentiment":"neutral","sentiment_score":0.08816746080463583},{"text":"Any questions so far?","start":2252.07,"end":2253.4502,"sentiment":"neutral","sentiment_score":0.037364235147833824},{"text":"No?","start":2255.9102,"end":2256.2302,"sentiment":"neutral","sentiment_score":0.008276112377643585}],"sentiment":"neutral","sentiment_score":0.03484531110034713,"num_words":79,"start":2220.865,"end":2256.2302},{"sentences":[{"text":"Beautiful.","start":2256.2302,"end":2256.7302,"sentiment":"positive","sentiment_score":0.5514691472053528},{"text":"The next document is consent to new ongoing service or the ongo the ongoing fee arrangement.","start":2257.9902,"end":2265.37,"sentiment":"neutral","sentiment_score":0.11221463629044592},{"text":"So what it is is based on a percent fee of 1.1% of your balances.","start":2266.595,"end":2274.295,"sentiment":"neutral","sentiment_score":0.06529279847939809},{"text":"So I will break that down monthly.","start":2274.6748,"end":2278.055,"sentiment":"neutral","sentiment_score":0.08845355255263192},{"text":"So, Michael, for yourself, that is $1,397.12, which is a click equates to a $116.43 a month for yourself, which is funded from Hub twenty four.","start":2278.4348,"end":2293.2898,"sentiment":"neutral","sentiment_score":0.12002082426960652}],"sentiment":"neutral","sentiment_score":0.10870787082956387,"num_words":65,"start":2256.2302,"end":2293.2898},{"sentences":[{"text":"And, Megan, yours is $525.18, and that's $43.77 a month.","start":2293.765,"end":2301.945,"sentiment":"neutral","sentiment_score":0.12918563708662986},{"text":"And that's funded from your Hub twenty four account.","start":2302.405,"end":2305.205,"sentiment":"neutral","sentiment_score":0.1278830294807752},{"text":"So what that does is that allows us to remain your advisers.","start":2305.205,"end":2310.53,"sentiment":"neutral","sentiment_score":0.24275357772906622},{"text":"That's our fee.","start":2311.15,"end":2312.29,"sentiment":"neutral","sentiment_score":0.2346712052822113},{"text":"And you're not limited to, you know, one review a year.","start":2313.39,"end":2316.99,"sentiment":"neutral","sentiment_score":0.16210139204155316}],"sentiment":"neutral","sentiment_score":0.17428834438323976,"num_words":45,"start":2293.765,"end":2316.99},{"sentences":[{"text":"If there's something that changes within your circumstances and you need advice, you just pick up the phone, reach out.","start":2316.99,"end":2323.245,"sentiment":"neutral","sentiment_score":0.1444664727896452},{"text":"Questions, you know, we're here to help.","start":2323.7852,"end":2325.725,"sentiment":"positive","sentiment_score":0.33494787982531954},{"text":"So that's what no.","start":2326.665,"end":2330.905,"sentiment":"neutral","sentiment_score":-0.048735146410763264},{"text":"So it's 1.1%.","start":2330.905,"end":2332.5051,"sentiment":"neutral","sentiment_score":-0.052974991500377655},{"text":"It's based on 1.1%.","start":2332.5051,"end":2334.105,"sentiment":"neutral","sentiment_score":-0.023778824601322412}],"sentiment":"neutral","sentiment_score":0.12592062515843855,"num_words":38,"start":2316.99,"end":2334.105},{"sentences":[{"text":"So it would have gone up a little bit based on the increase in your balance, but it will be fixed for the next twelve months.","start":2334.105,"end":2341.75,"sentiment":"neutral","sentiment_score":-0.06618032926836839},{"text":"So it's based it's calculated on 1.1, but then fixed and then divided by fixed at a dollar fee.","start":2343.8098,"end":2350.3699,"sentiment":"neutral","sentiment_score":-0.01814974866513359},{"text":"So it used to be that it would be it would fluctuate each month based on the account balance.","start":2350.3699,"end":2355.565,"sentiment":"neutral","sentiment_score":-0.07213179571063895},{"text":"So if, for example, there was a really good month, you know, that 1.1% would be higher because of the growth on the portfolio.","start":2357.305,"end":2364.365,"sentiment":"positive","sentiment_score":0.4014961464951436},{"text":"Now we're fixing it for transparency.","start":2364.745,"end":2366.5251,"sentiment":"neutral","sentiment_score":0.163742333650589}],"sentiment":"neutral","sentiment_score":0.07640769801776301,"num_words":94,"start":2334.105,"end":2366.5251},{"sentences":[{"text":"We have that on file.","start":2366.61,"end":2371.6655,"sentiment":"neutral","sentiment_score":0.06689763888716697},{"text":"The purpose we have it on file is we have that on file.","start":2372.3042,"end":2382.955,"sentiment":"neutral","sentiment_score":0.13062113122298166},{"text":"The purpose we have it on file is because when we opened your super funds, you know, we had to provide that to hub twenty four to make sure you didn't get taxed too much.","start":2383.2551,"end":2393.595,"sentiment":"neutral","sentiment_score":0.14092969042914255},{"text":"This is just due to privacy, etcetera, that you're acknowledging that, you know, we hold it on file for you and that you're comfortable in doing so.","start":2393.94,"end":2403.22,"sentiment":"neutral","sentiment_score":0.17489205631944868},{"text":"So those two documents are the only ones that we do require your signature on from the pack.","start":2403.22,"end":2408.5151,"sentiment":"neutral","sentiment_score":0.10693608389960395}],"sentiment":"neutral","sentiment_score":0.13889833771604665,"num_words":98,"start":2366.61,"end":2408.5151},{"sentences":[{"text":"So when and if you're comfortable to sign those, I'd ask you to do that.","start":2409.695,"end":2414.435,"sentiment":"neutral","sentiment_score":0.12324989140033722},{"text":"And we then I can I can still start working on all the other stuff I'm gonna start working on in the meantime?","start":2416.3352,"end":2423.05,"sentiment":"neutral","sentiment_score":0.13098542457041534},{"text":"But I'm going to jump into a risk profile questionnaire very quickly.","start":2425.51,"end":2429.45,"sentiment":"neutral","sentiment_score":0.025788982243587572},{"text":"No right or wrong answers in this.","start":2430.39,"end":2432.31,"sentiment":"neutral","sentiment_score":-0.14872103290898459},{"text":"And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned.","start":2432.31,"end":2442.275,"sentiment":"neutral","sentiment_score":0.09364243620826353}],"sentiment":"neutral","sentiment_score":0.07991760471751067,"num_words":88,"start":2409.695,"end":2442.275},{"sentences":[{"text":"So for the both of you, what is the most aggressive investment you've ever made?","start":2443.615,"end":2449.76,"sentiment":"neutral","sentiment_score":0.08144665683309237},{"text":"Shares?","start":2449.82,"end":2450.32,"sentiment":"neutral","sentiment_score":0.02029841765761375},{"text":"I know, Megan, you've made shares.","start":2450.46,"end":2452.24,"sentiment":"neutral","sentiment_score":0.027658025734126568},{"text":"Michael, what about yourself?","start":2452.3,"end":2453.52,"sentiment":"neutral","sentiment_score":0.0052591373678296804},{"text":"What would it be managed funds or shares?","start":2453.82,"end":2456.8801,"sentiment":"neutral","sentiment_score":-0.0009395985398441553}],"sentiment":"neutral","sentiment_score":0.04180782899150953,"num_words":34,"start":2443.615,"end":2456.8801},{"sentences":[{"text":"No?","start":2460.54,"end":2461.04,"sentiment":"neutral","sentiment_score":-0.060821160674095154},{"text":"Okay.","start":2461.1,"end":2461.4202,"sentiment":"neutral","sentiment_score":-0.016773011535406113},{"text":"So your super fund holds managed funds in there.","start":2461.4202,"end":2463.965,"sentiment":"neutral","sentiment_score":-0.013191934468017684},{"text":"So are you comfortable with me putting managed funds down?","start":2464.8252,"end":2467.8052,"sentiment":"neutral","sentiment_score":-0.02589705288410187},{"text":"Yeah.","start":2470.905,"end":2471.3052,"sentiment":"neutral","sentiment_score":0.02457805722951889}],"sentiment":"neutral","sentiment_score":-0.019577911546961826,"num_words":22,"start":2460.54,"end":2471.3052},{"sentences":[{"text":"Yeah.","start":2471.3052,"end":2471.625,"sentiment":"neutral","sentiment_score":0.02704532630741596},{"text":"Because you have yeah.","start":2471.625,"end":2473.0051,"sentiment":"neutral","sentiment_score":0.032073977403342724},{"text":"No worries.","start":2473.0652,"end":2473.725,"sentiment":"neutral","sentiment_score":0.06510320492088795},{"text":"Alright.","start":2473.945,"end":2474.425,"sentiment":"neutral","sentiment_score":0.08874660730361938},{"text":"For both of you, once an investment's been placed, how long would you need it before you can access capital?","start":2474.425,"end":2480.54,"sentiment":"neutral","sentiment_score":0.010036081448197365}],"sentiment":"neutral","sentiment_score":0.020536281501076052,"num_words":28,"start":2471.3052,"end":2480.54},{"sentences":[{"text":"So that's for the both of you, longer than ten years given that it's your super.","start":2480.6,"end":2486.3,"sentiment":"neutral","sentiment_score":0.12867094576358795},{"text":"Yep.","start":2488.6,"end":2489.1,"sentiment":"neutral","sentiment_score":0.10639595985412598},{"text":"Yep.","start":2489.48,"end":2489.98,"sentiment":"neutral","sentiment_score":0.12245597690343855},{"text":"Yeah.","start":2490.2,"end":2490.465,"sentiment":"neutral","sentiment_score":0.3034978210926056},{"text":"Beautiful.","start":2491.425,"end":2491.925,"sentiment":"neutral","sentiment_score":0.03282811865210533}],"sentiment":"neutral","sentiment_score":0.13119565043598413,"num_words":20,"start":2480.6,"end":2491.925},{"sentences":[{"text":"The next question, is inflation means that things are getting more expensive over time and making our current dollar worth less for the future?","start":2494.0652,"end":2502.8052,"sentiment":"neutral","sentiment_score":-0.18177163399135074},{"text":"How much risk are you willing to take to keep up with inflation rises?","start":2503.32,"end":2507.58,"sentiment":"neutral","sentiment_score":-0.11966547263520104},{"text":"Number one would be accepting a very high risk.","start":2509.08,"end":2511.58,"sentiment":"neutral","sentiment_score":-0.2301264868842231},{"text":"Number two would be just a risk.","start":2511.96,"end":2514.9402,"sentiment":"neutral","sentiment_score":-0.17022410035133362},{"text":"Number three would be moderate risk.","start":2515.48,"end":2517.5,"sentiment":"neutral","sentiment_score":-0.09694128607710202}],"sentiment":"neutral","sentiment_score":-0.16470317722608646,"num_words":60,"start":2494.0652,"end":2517.5},{"sentences":[{"text":"Four is a small amount to keep up with inflation, or number five, you're unwilling to take any risks.","start":2517.72,"end":2524.115,"sentiment":"neutral","sentiment_score":-0.16703807366521736},{"text":"Yep.","start":2529.2148,"end":2529.7148,"sentiment":"neutral","sentiment_score":-0.11041229963302612},{"text":"Yep.","start":2530.4949,"end":2530.9949,"sentiment":"neutral","sentiment_score":-0.020426426082849503},{"text":"Yep.","start":2533.775,"end":2534.1,"sentiment":"neutral","sentiment_score":0.09656079858541489},{"text":"Beautiful.","start":2534.98,"end":2535.48,"sentiment":"neutral","sentiment_score":0.33194684982299805}],"sentiment":"neutral","sentiment_score":-0.12504584682376488,"num_words":23,"start":2517.72,"end":2535.48},{"sentences":[{"text":"Alright.","start":2536.02,"end":2536.52,"sentiment":"neutral","sentiment_score":0.14318110048770905},{"text":"In the how would you feel if six months after investing, you found that your portfolio decreased by 20% due to the just the general trends in the market?","start":2536.82,"end":2546.1802,"sentiment":"neutral","sentiment_score":-0.20197731230793328},{"text":"So if you think back to that Vanguard chart, that that's just how a general trend.","start":2546.1802,"end":2552.535,"sentiment":"neutral","sentiment_score":-0.022991389909293503},{"text":"So would you be investing heavily for growth, investing modestly for growth?","start":2552.675,"end":2558.515,"sentiment":"neutral","sentiment_score":-0.008195848048975071},{"text":"Would you hold and wait to see improvement?","start":2558.515,"end":2561.95,"sentiment":"neutral","sentiment_score":-0.06034613959491253}],"sentiment":"neutral","sentiment_score":-0.10095670436875838,"num_words":66,"start":2536.02,"end":2561.95},{"sentences":[{"text":"Would you shift to secure assets, or would you convert to cash?","start":2562.17,"end":2567.95,"sentiment":"neutral","sentiment_score":-0.04304477106779814},{"text":"Invest heavily for growth or invest modestly for growth?","start":2572.855,"end":2576.635,"sentiment":"neutral","sentiment_score":-0.051838002685043544},{"text":"Yep.","start":2579.975,"end":2580.475,"sentiment":"neutral","sentiment_score":0.1134556159377098},{"text":"Yep.","start":2581.175,"end":2581.5752,"sentiment":"neutral","sentiment_score":0.19093763828277588},{"text":"Beautiful.","start":2581.5752,"end":2582.0752,"sentiment":"positive","sentiment_score":0.5545904636383057}],"sentiment":"neutral","sentiment_score":-0.005170648296674092,"num_words":24,"start":2562.17,"end":2582.0752},{"sentences":[{"text":"You both have the right head the right way of thinking.","start":2582.375,"end":2586.455,"sentiment":"positive","sentiment_score":0.41009837118062104},{"text":"When a market's so low, my first inclination is to put money in.","start":2586.455,"end":2591.01,"sentiment":"neutral","sentiment_score":0.0407304370489258},{"text":"So you think thinking the right way.","start":2592.1099,"end":2595.39,"sentiment":"positive","sentiment_score":0.3878213720662253},{"text":"That's great.","start":2595.39,"end":2596.13,"sentiment":"positive","sentiment_score":0.6446947455406189},{"text":"So what kind of return do you expect to get from your investments over term over long term?","start":2596.5898,"end":2601.925,"sentiment":"neutral","sentiment_score":0.181997944911321}],"sentiment":"neutral","sentiment_score":0.24158195820728354,"num_words":51,"start":2582.375,"end":2601.925},{"sentences":[{"text":"8% or above, six to 8%, four to 6%, two to 4%, or zero to 2%?","start":2601.985,"end":2608.885,"sentiment":"neutral","sentiment_score":0.06576121016405523},{"text":"Yep.","start":2612.785,"end":2613.285,"sentiment":"neutral","sentiment_score":0.02906166575849056},{"text":"Yep.","start":2615.985,"end":2616.3,"sentiment":"neutral","sentiment_score":0.09224322438240053},{"text":"So both six to eight.","start":2616.46,"end":2618.0,"sentiment":"neutral","sentiment_score":0.07543985545635223},{"text":"Okay.","start":2620.22,"end":2620.72,"sentiment":"neutral","sentiment_score":0.04344974085688591}],"sentiment":"neutral","sentiment_score":0.06642221962101758,"num_words":24,"start":2601.985,"end":2620.72},{"sentences":[{"text":"Have your investments, including your superation, ever dropped in value?","start":2621.58,"end":2625.68,"sentiment":"neutral","sentiment_score":-0.027086307853460313},{"text":"And if so, how did it make you feel?","start":2626.1401,"end":2628.56,"sentiment":"neutral","sentiment_score":0.03895360272791651},{"text":"Optimistic about future investments?","start":2628.94,"end":2631.215,"sentiment":"neutral","sentiment_score":-0.06953335227444768},{"text":"Cautious with no further investment plans?","start":2631.995,"end":2634.975,"sentiment":"neutral","sentiment_score":-0.288564699391524},{"text":"Concerned?","start":2635.195,"end":2635.695,"sentiment":"neutral","sentiment_score":-0.22171708941459656}],"sentiment":"neutral","sentiment_score":-0.07171731162816286,"num_words":30,"start":2621.58,"end":2635.695},{"sentences":[{"text":"Or highly anxious?","start":2636.5552,"end":2637.935,"sentiment":"neutral","sentiment_score":-0.30095518628756207},{"text":"Yep.","start":2645.115,"end":2645.28,"sentiment":"neutral","sentiment_score":-0.058838050812482834},{"text":"Yep.","start":2650.0,"end":2650.5,"sentiment":"neutral","sentiment_score":0.16698049008846283},{"text":"Yep.","start":2651.04,"end":2651.44,"sentiment":"neutral","sentiment_score":0.2274002730846405},{"text":"So optimistic about the future.","start":2651.44,"end":2653.22,"sentiment":"positive","sentiment_score":0.6862271428108215}],"sentiment":"neutral","sentiment_score":0.2603466243229129,"num_words":11,"start":2636.5552,"end":2653.22},{"sentences":[{"text":"Yeah.","start":2654.96,"end":2655.46,"sentiment":"neutral","sentiment_score":0.219735324382782},{"text":"Beautiful.","start":2655.92,"end":2656.42,"sentiment":"positive","sentiment_score":0.578650951385498},{"text":"And have you ever thought about taking out a loan to invest?","start":2657.04,"end":2660.715,"sentiment":"neutral","sentiment_score":0.18002490575114885},{"text":"So that could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home.","start":2661.115,"end":2669.5352,"sentiment":"neutral","sentiment_score":0.14685265600681305},{"text":"Yep.","start":2679.29,"end":2679.77,"sentiment":"neutral","sentiment_score":-0.03877996653318405}],"sentiment":"neutral","sentiment_score":0.1647805394604802,"num_words":40,"start":2654.96,"end":2679.77},{"sentences":[{"text":"Beautiful.","start":2679.77,"end":2680.27,"sentiment":"neutral","sentiment_score":-0.2561103105545044},{"text":"No.","start":2682.41,"end":2682.65,"sentiment":"neutral","sentiment_score":-0.10948022454977036},{"text":"Yeah.","start":2682.65,"end":2683.15,"sentiment":"neutral","sentiment_score":-0.012437824159860613},{"text":"Yep.","start":2687.93,"end":2688.225,"sentiment":"neutral","sentiment_score":0.010841568931937218},{"text":"Nope.","start":2688.5452,"end":2688.865,"sentiment":"neutral","sentiment_score":-0.09823571145534515}],"sentiment":"neutral","sentiment_score":-0.09308450035750866,"num_words":5,"start":2679.77,"end":2688.865},{"sentences":[{"text":"That helps.","start":2688.865,"end":2689.685,"sentiment":"neutral","sentiment_score":-0.0858212485909462},{"text":"Nope.","start":2692.225,"end":2692.725,"sentiment":"neutral","sentiment_score":-0.05792739987373352},{"text":"That's it just helps us gauge your tolerance to risk.","start":2692.7852,"end":2696.225,"sentiment":"neutral","sentiment_score":-0.014057014137506485},{"text":"Like, it's not a perfect tool.","start":2696.225,"end":2697.925,"sentiment":"neutral","sentiment_score":-0.006437060267974933},{"text":"It just helps us you have a little bit of an understanding of your tolerance.","start":2697.985,"end":2702.39,"sentiment":"neutral","sentiment_score":0.11872543146212895}],"sentiment":"neutral","sentiment_score":0.040356443290982175,"num_words":34,"start":2688.865,"end":2702.39},{"sentences":[{"text":"That's all that this is designed to do.","start":2702.45,"end":2704.63,"sentiment":"neutral","sentiment_score":0.16520234569907188},{"text":"So you both actually came out as growth investors, which is the 20%.","start":2704.77,"end":2710.95,"sentiment":"neutral","sentiment_score":0.11723799602343486},{"text":"So you also came out gross last time, Michael, but you opted to go for a high gross investment.","start":2711.49,"end":2720.175,"sentiment":"neutral","sentiment_score":0.15033305789294996},{"text":"So I think probably it's as long as you're comfortable with that, is there any have you had any significant concerns?","start":2722.3152,"end":2734.8499,"sentiment":"neutral","sentiment_score":0.07613126401390348},{"text":"Have you been, you know, logging in constantly and stressing about any market trends or fluctuations that you've experienced?","start":2734.91,"end":2743.17,"sentiment":"neutral","sentiment_score":-0.05975994006975701}],"sentiment":"neutral","sentiment_score":0.07706698121037334,"num_words":80,"start":2702.45,"end":2743.17},{"sentences":[{"text":"Mhmm.","start":2749.405,"end":2749.905,"sentiment":"neutral","sentiment_score":-0.1009959727525711},{"text":"Mhmm.","start":2756.7651,"end":2757.2651,"sentiment":"neutral","sentiment_score":-0.032422006130218506},{"text":"It is.","start":2761.98,"end":2762.3801,"sentiment":"neutral","sentiment_score":0.157769575715065},{"text":"And you're comfortable with it?","start":2762.3801,"end":2764.08,"sentiment":"neutral","sentiment_score":0.2964786469936371},{"text":"Yep.","start":2765.4202,"end":2765.9202,"sentiment":"positive","sentiment_score":0.6525236368179321}],"sentiment":"neutral","sentiment_score":0.2317038044333458,"num_words":10,"start":2749.405,"end":2765.9202},{"sentences":[{"text":"Mhmm.","start":2772.86,"end":2773.36,"sentiment":"neutral","sentiment_score":0.024276401847600937},{"text":"Well, you've you've got some good exposure in your portfolio for those types of events.","start":2775.165,"end":2781.905,"sentiment":"neutral","sentiment_score":0.08023913179834684},{"text":"Believe it or not, those types of events usually depending, it can generate a lot of growth, typically, if we look back at the at markets.","start":2782.685,"end":2795.6099,"sentiment":"neutral","sentiment_score":0.05313944128843454},{"text":"So, yeah, it's it's there's always a risk.","start":2797.0298,"end":2802.73,"sentiment":"neutral","sentiment_score":0.015645174717064947},{"text":"It's just being I for me, it's the passing the sleep at night test.","start":2804.6948,"end":2808.615,"sentiment":"neutral","sentiment_score":0.08623080195060798}],"sentiment":"neutral","sentiment_score":0.06159189808386145,"num_words":64,"start":2772.86,"end":2808.615},{"sentences":[{"text":"So if you're sleeping at night and you're not concerned about your superannuation and your balance, then I think a high growth portfolio would be appropriate to maintain For yourself yeah.","start":2808.615,"end":2822.55,"sentiment":"neutral","sentiment_score":0.07926095655608562},{"text":"For yourself, Megan, that would mean if you wanted to go similar to Michael with a ninety ten split, that means we'd be we'd essentially be increasing approximately an extra 10% of your assets into those top four on the Vanguard chart, so your gross assets.","start":2822.61,"end":2842.355,"sentiment":"neutral","sentiment_score":0.11321712350067885},{"text":"So it would be, again, for you, the sleep at night test.","start":2842.415,"end":2846.415,"sentiment":"neutral","sentiment_score":0.0704716391240557},{"text":"Is it something that you'd be comfortable with knowing that long term as you said, using your words, you have time to ride the wave?","start":2846.415,"end":2854.57,"sentiment":"neutral","sentiment_score":0.07028506442904472},{"text":"It's it's more about your comfort.","start":2854.8699,"end":2857.45,"sentiment":"neutral","sentiment_score":0.05665785322586695}],"sentiment":"neutral","sentiment_score":0.08839842278199891,"num_words":120,"start":2808.615,"end":2857.45},{"sentences":[{"text":"Yeah.","start":2866.0852,"end":2866.5852,"sentiment":"neutral","sentiment_score":0.09027892351150511},{"text":"Mhmm.","start":2871.125,"end":2871.625,"sentiment":"neutral","sentiment_score":0.05816344916820526},{"text":"And that's what these reviews are for.","start":2876.8298,"end":2878.5898,"sentiment":"neutral","sentiment_score":0.0999521017074585},{"text":"So we touch base quite regularly.","start":2878.5898,"end":2881.3298,"sentiment":"neutral","sentiment_score":0.11430809771021207},{"text":"Well, at least annually at an absolute bare minimum to make sure that anything any significant changes haven't occurred.","start":2882.99,"end":2890.8499,"sentiment":"neutral","sentiment_score":0.06691121800165427}],"sentiment":"neutral","sentiment_score":0.08250790626248893,"num_words":34,"start":2866.0852,"end":2890.8499},{"sentences":[{"text":"So we would always be looking at those things.","start":2890.99,"end":2894.615,"sentiment":"neutral","sentiment_score":0.13782859262492922},{"text":"So for example, you know, later this week, I have a lot I'd I've barely fair few other reviews that I'll be having conversations about potentially decreasing the allocation to growth assets based on their proximity to needing to access super.","start":2894.615,"end":2908.94,"sentiment":"neutral","sentiment_score":0.044549122725318115},{"text":"So it goes there's a there's a number of factors that go into it, and we always stay on top of it and work together.","start":2908.94,"end":2915.12,"sentiment":"neutral","sentiment_score":0.3254911762475967},{"text":"Alright.","start":2919.4949,"end":2919.9749,"sentiment":"neutral","sentiment_score":0.3025325536727905},{"text":"So those I'm gonna I've got some homework to do myself.","start":2919.9749,"end":2923.175,"sentiment":"neutral","sentiment_score":0.23477173257957806}],"sentiment":"neutral","sentiment_score":0.16194565958161464,"num_words":87,"start":2890.99,"end":2923.175},{"sentences":[{"text":"But before anything else, I'm gonna ask a few more questions.","start":2923.175,"end":2926.555,"sentiment":"neutral","sentiment_score":0.1269570609385317},{"text":"Your beneficiary forms, we're gonna get those sent out to you again to get them signed and get back to us because at the moment, you've got no beneficiaries.","start":2928.455,"end":2938.76,"sentiment":"neutral","sentiment_score":0.014603316655446744},{"text":"So what that means look.","start":2939.22,"end":2941.9402,"sentiment":"neutral","sentiment_score":-0.017092200368642806},{"text":"You were married.","start":2941.9402,"end":2942.84,"sentiment":"neutral","sentiment_score":-0.04392125767966112},{"text":"The Well, the It won't be a nightmare because the trustees will say that you're married and you're each other's financially dependent spouse, etcetera.","start":2942.9001,"end":2953.665,"sentiment":"neutral","sentiment_score":-0.13305408561912677}],"sentiment":"neutral","sentiment_score":-0.022090263561242156,"num_words":72,"start":2923.175,"end":2953.665},{"sentences":[{"text":"But it would take not longer than normal, which is in a situation like that, we don't want that to happen.","start":2953.885,"end":2959.905,"sentiment":"neutral","sentiment_score":-0.2520763526360194},{"text":"So that's where that beneficiary form comes in handy.","start":2961.28,"end":2964.98,"sentiment":"neutral","sentiment_score":0.1338276838262876},{"text":"So I'll be making there's two types of beneficiary nominations you can choose.","start":2967.3599,"end":2972.3198,"sentiment":"neutral","sentiment_score":0.15599219214457732},{"text":"There's a binding or a binding.","start":2972.3198,"end":2975.2349,"sentiment":"neutral","sentiment_score":0.04799001757055521},{"text":"The difference is the only difference is is that one lapses and one doesn't.","start":2975.535,"end":2980.915,"sentiment":"neutral","sentiment_score":-0.002390465433044093}],"sentiment":"neutral","sentiment_score":-0.02867908196316825,"num_words":63,"start":2953.885,"end":2980.915},{"sentences":[{"text":"They're both found the trustees found by both forms.","start":2981.055,"end":2985.795,"sentiment":"neutral","sentiment_score":0.05152498889300558},{"text":"The non lapsing will only ever be updated when you lodge a new form.","start":2986.335,"end":2990.96,"sentiment":"neutral","sentiment_score":0.04163495913547065},{"text":"The binding one means you need to update it every three years.","start":2990.96,"end":2992.72,"sentiment":"neutral","sentiment_score":0.053034624084830284},{"text":"So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant?","start":2992.72,"end":3005.505,"sentiment":"neutral","sentiment_score":0.06318259974702811},{"text":"Yeah.","start":3014.525,"end":3014.925,"sentiment":"neutral","sentiment_score":0.0933891236782074}],"sentiment":"neutral","sentiment_score":0.05654053774351875,"num_words":75,"start":2981.055,"end":3014.925},{"sentences":[{"text":"Exactly.","start":3014.925,"end":3015.405,"sentiment":"neutral","sentiment_score":0.1009846180677414},{"text":"So non lapsing?","start":3015.405,"end":3016.465,"sentiment":"neutral","sentiment_score":0.0538273441294829},{"text":"Yep.","start":3018.205,"end":3018.525,"sentiment":"neutral","sentiment_score":0.2376738637685776},{"text":"Beautiful.","start":3018.525,"end":3019.025,"sentiment":"positive","sentiment_score":0.7791798114776611},{"text":"Fantastic.","start":3019.085,"end":3019.585,"sentiment":"positive","sentiment_score":0.7754275798797607}],"sentiment":"neutral","sentiment_score":0.29353541508316994,"num_words":7,"start":3014.925,"end":3019.585},{"sentences":[{"text":"Couple of other quick questions before I sign off.","start":3021.24,"end":3023.82,"sentiment":"neutral","sentiment_score":0.29246962401602006},{"text":"Any are you happy with your annual review frequency, or would you like them more frequent?","start":3024.68,"end":3031.18,"sentiment":"neutral","sentiment_score":0.14295570133253932},{"text":"Mhmm.","start":3043.095,"end":3043.595,"sentiment":"neutral","sentiment_score":-0.008304453454911709},{"text":"Mhmm.","start":3044.2148,"end":3044.58,"sentiment":"neutral","sentiment_score":0.003945305943489075},{"text":"Mhmm.","start":3055.78,"end":3056.28,"sentiment":"neutral","sentiment_score":-0.030361134558916092}],"sentiment":"neutral","sentiment_score":0.17445705554980254,"num_words":28,"start":3021.24,"end":3056.28},{"sentences":[{"text":"Not necessarily because we wouldn't be we're gonna be meeting annually anyway.","start":3063.075,"end":3068.295,"sentiment":"neutral","sentiment_score":-0.09278784754375617},{"text":"And anything that is significant, we're gonna reach out, but we wouldn't necessarily change something reactively if something wasn't performing.","start":3068.515,"end":3081.1,"sentiment":"neutral","sentiment_score":-0.11829685065895319},{"text":"So if it was short term, if there was a big event occurring that we felt needed some rather urgent advice to clients, we would do that.","start":3081.1,"end":3092.415,"sentiment":"neutral","sentiment_score":-0.09306437742930872},{"text":"We would do that exactly.","start":3093.115,"end":3094.4949,"sentiment":"neutral","sentiment_score":0.09353422224521638},{"text":"But because the the philosophy of the let's let's call it the philosophy of the high growth is not a set and forget, but you're in it for the long run.","start":3095.435,"end":3105.26,"sentiment":"neutral","sentiment_score":0.06798660887345191}],"sentiment":"neutral","sentiment_score":-0.035967088294656654,"num_words":95,"start":3063.075,"end":3105.26},{"sentences":[{"text":"So if something is underperforming, so the Benelon in your portfolio, Michael, for example, we've let that sit for a while because we're not gonna react to market conditions or changes.","start":3105.26,"end":3119.805,"sentiment":"neutral","sentiment_score":-0.09554152070514617},{"text":"We're gonna see what the systemic outcome of it is and see if it is something long term.","start":3119.9448,"end":3125.83,"sentiment":"neutral","sentiment_score":0.03967422039972411},{"text":"So, I mean, if there was anything in your portfolio that you were con you were concerned about, just reach out, and we would talk about that anyway.","start":3126.2102,"end":3137.4302,"sentiment":"neutral","sentiment_score":0.016121096310338805},{"text":"Yeah.","start":3139.925,"end":3140.425,"sentiment":"neutral","sentiment_score":0.006774574518203735},{"text":"So the only other ops with looping back to insurance quickly, there's a type of policy called trauma insurance.","start":3140.805,"end":3148.5051,"sentiment":"neutral","sentiment_score":-0.09367217868566513}],"sentiment":"neutral","sentiment_score":-0.036796466994684994,"num_words":97,"start":3105.26,"end":3148.5051},{"sentences":[{"text":"It's a it's a, basically, it's a gap of a policy that that fills the gap basically for income protection and TPD where if you're diagnosed with a critical illness, and they they range from cancer, stroke, heart attack to some neurological diseases that you're paid a lump sum benefit, but it is funded by your personal cash flow.","start":3151.445,"end":3178.135,"sentiment":"neutral","sentiment_score":0.0013092705167009164},{"text":"Typically, the levels of cover are of cover are recommended to replace out of pocket health expenses or ongoing costs, for example, and a a recuperation period because, typically, what we find is these illnesses aren't necessarily terminal.","start":3178.135,"end":3198.435,"sentiment":"neutral","sentiment_score":0.0002407512480491086},{"text":"You're gonna go back to work at some point, and it might be that there's just some funds available to make a repayment on debt or allow you a bit of time to recover and so on.","start":3199.375,"end":3211.5798,"sentiment":"neutral","sentiment_score":0.032616236763125334},{"text":"So that's the other policy that's available within the risk protection portfolio.","start":3211.5798,"end":3218.16,"sentiment":"neutral","sentiment_score":0.1257841760913531},{"text":"And I just wanted to see what your thoughts were on that, whether you wanted to look at including that in the review when we're going to be looking at your life and TPD cover.","start":3218.94,"end":3229.815,"sentiment":"neutral","sentiment_score":0.17973776374544417}],"sentiment":"neutral","sentiment_score":0.05023993432228531,"num_words":181,"start":3151.445,"end":3229.815},{"sentences":[{"text":"Nope.","start":3240.53,"end":3240.85,"sentiment":"neutral","sentiment_score":-0.07881850004196167},{"text":"That's absolutely fine.","start":3240.85,"end":3242.6301,"sentiment":"neutral","sentiment_score":0.2043228397766749},{"text":"And your debt you're managing, you don't you're quite happy to to you know, do would you like any advice to pay that down quicker or within a certain time frame?","start":3244.21,"end":3256.0251,"sentiment":"neutral","sentiment_score":-0.1857445489975714},{"text":"Yeah.","start":3266.245,"end":3266.46,"sentiment":"neutral","sentiment_score":-0.1333165466785431},{"text":"Yeah.","start":3278.5552,"end":3278.7952,"sentiment":"neutral","sentiment_score":0.13317574560642242}],"sentiment":"neutral","sentiment_score":-0.1411911297488857,"num_words":37,"start":3240.53,"end":3278.7952},{"sentences":[{"text":"Yeah.","start":3278.7952,"end":3278.955,"sentiment":"neutral","sentiment_score":0.1880618631839752},{"text":"You guys have plenty of time on your side, so no no worries there.","start":3278.955,"end":3283.195,"sentiment":"neutral","sentiment_score":0.21973793900438718},{"text":"We can always keep it on the back burner.","start":3283.195,"end":3285.135,"sentiment":"neutral","sentiment_score":0.21861823689606455},{"text":"And last thing I will bring up, something for you both to consider is when Bob is born, if you wanted to look at some sort of what we call an investment bond for kids where you can add a little amount monthly, fortnightly, weekly, whatever you like to grow a little nest egg for them, and it's it's it's doesn't form part of your taxable income or growth or anything like that.","start":3285.915,"end":3314.975,"sentiment":"neutral","sentiment_score":0.05858926620487481},{"text":"After ten years, it's tax free, so it's a nice little nest egg for kitties.","start":3315.435,"end":3319.8552,"sentiment":"neutral","sentiment_score":0.21582625508308412}],"sentiment":"neutral","sentiment_score":0.1138068517902866,"num_words":112,"start":3278.7952,"end":3319.8552},{"sentences":[{"text":"Once they reach a certain age, you have full power over when they actually get access to it, and you can change it depending on, you know, what they're like as they get older.","start":3321.92,"end":3331.94,"sentiment":"neutral","sentiment_score":0.0842244744519977},{"text":"So if that's something you wanted to look at down the track, we can probably pencil that in to have a chat about that next year if you like.","start":3333.795,"end":3341.7349,"sentiment":"neutral","sentiment_score":0.06524733364068229},{"text":"Yeah?","start":3344.115,"end":3344.615,"sentiment":"neutral","sentiment_score":0.2409583181142807},{"text":"Alright.","start":3345.315,"end":3345.815,"sentiment":"neutral","sentiment_score":0.22878968715667725},{"text":"Beautiful.","start":3345.875,"end":3346.375,"sentiment":"positive","sentiment_score":0.509666919708252}],"sentiment":"neutral","sentiment_score":0.08689726866555936,"num_words":66,"start":3321.92,"end":3346.375},{"sentences":[{"text":"Do you have any questions for me today?","start":3346.89,"end":3349.39,"sentiment":"neutral","sentiment_score":0.15446216985583305},{"text":"No?","start":3353.77,"end":3354.27,"sentiment":"neutral","sentiment_score":-0.01015670783817768},{"text":"Okay.","start":3354.49,"end":3354.99,"sentiment":"neutral","sentiment_score":0.018561387434601784},{"text":"So what I'm gonna do is I'm gonna go away and do my homework.","start":3355.13,"end":3357.95,"sentiment":"neutral","sentiment_score":0.05771265711103167},{"text":"And what following this, what you can expect from here is that I will probably reach out to you in about two weeks or so, or our team will reach out just to book in another time to go over the advice, so the changes.","start":3359.2898,"end":3375.155,"sentiment":"neutral","sentiment_score":0.08302640020847321}],"sentiment":"neutral","sentiment_score":0.08388793112143227,"num_words":69,"start":3346.89,"end":3375.155},{"sentences":[{"text":"So some of them being the investments in your super, the changes to the life and TPD insurance.","start":3375.155,"end":3381.64,"sentiment":"neutral","sentiment_score":0.057513156491849154},{"text":"And I'm just thinking that's probably it, really.","start":3382.66,"end":3390.36,"sentiment":"neutral","sentiment_score":0.0254545328207314},{"text":"They're the bits of advice that I'm gonna be looking at.","start":3390.66,"end":3393.375,"sentiment":"neutral","sentiment_score":0.03262537904083729},{"text":"And, also, finally, would you like me to send you through a brochure for our professional partners that provide wills and power of attorney advice?","start":3393.995,"end":3402.895,"sentiment":"neutral","sentiment_score":0.06124452091753483},{"text":"Yep.","start":3405.995,"end":3406.495,"sentiment":"neutral","sentiment_score":0.1163010150194168}],"sentiment":"neutral","sentiment_score":0.0515105759813672,"num_words":63,"start":3375.155,"end":3406.495},{"sentences":[{"text":"Yeah.","start":3406.875,"end":3407.375,"sentiment":"neutral","sentiment_score":0.1566509306430817},{"text":"It's it's quite reasonable, to be honest with you.","start":3407.68,"end":3410.08,"sentiment":"neutral","sentiment_score":0.19502123362488216},{"text":"I've seen quite a few lawyers in my time and the cost of them.","start":3410.08,"end":3413.6,"sentiment":"neutral","sentiment_score":0.0068331387426171985},{"text":"So these ones, I was actually quite surprised about the cost and how reasonable it is.","start":3413.6,"end":3417.78,"sentiment":"neutral","sentiment_score":0.12477798666805029},{"text":"And if you would like to after you've had a read of it, if you want an introduction, just shoot me an email back, and I'll arrange that.","start":3418.8801,"end":3427.275,"sentiment":"neutral","sentiment_score":0.04916892559932811}],"sentiment":"neutral","sentiment_score":0.0791277011637302,"num_words":68,"start":3406.875,"end":3427.275},{"sentences":[{"text":"But, yeah, something that you've probably both, you know, giving you're gonna need to consider things like guardianship and all those awful things that you need to have a chat about, which isn't nice.","start":3427.8948,"end":3438.7148,"sentiment":"neutral","sentiment_score":-0.13893254605286262},{"text":"It's not yeah.","start":3440.03,"end":3442.69,"sentiment":"neutral","sentiment_score":-0.14827812711397806},{"text":"Not yeah.","start":3442.83,"end":3443.55,"sentiment":"neutral","sentiment_score":-0.1190369501709938},{"text":"Yeah.","start":3443.55,"end":3443.8699,"sentiment":"neutral","sentiment_score":-0.04842939227819443},{"text":"Exactly.","start":3443.8699,"end":3444.3699,"sentiment":"neutral","sentiment_score":-0.05255858600139618}],"sentiment":"neutral","sentiment_score":-0.1343317762380693,"num_words":41,"start":3427.8948,"end":3444.3699},{"sentences":[{"text":"And like all things in life, anything that's necessary is not generally nice to have a chat about, is it?","start":3444.75,"end":3449.65,"sentiment":"neutral","sentiment_score":-0.156065372005105},{"text":"Alright.","start":3451.47,"end":3451.905,"sentiment":"neutral","sentiment_score":0.2804259955883026},{"text":"Beautiful.","start":3452.145,"end":3452.545,"sentiment":"positive","sentiment_score":0.540298342704773},{"text":"Well, I will get that sent off to you.","start":3452.545,"end":3455.045,"sentiment":"neutral","sentiment_score":0.322512600156996},{"text":"And in the meantime, if you have any questions, please reach out.","start":3456.865,"end":3460.465,"sentiment":"neutral","sentiment_score":0.1424285558362802}],"sentiment":"neutral","sentiment_score":0.05374820859626282,"num_words":43,"start":3444.75,"end":3460.465},{"sentences":[{"text":"But we'll be in contact in about two to three weeks because it just takes that amount of time to get the the research together and make sure that we're doing the right thing.","start":3460.465,"end":3468.98,"sentiment":"neutral","sentiment_score":0.14245157338240566},{"text":"Beautiful.","start":3471.76,"end":3472.26,"sentiment":"positive","sentiment_score":0.6947386860847473},{"text":"No.","start":3472.9602,"end":3473.12,"sentiment":"positive","sentiment_score":0.36933088302612305},{"text":"Thank you.","start":3473.12,"end":3473.76,"sentiment":"positive","sentiment_score":0.54727803170681},{"text":"And have a great day, and I'll speak to you both soon.","start":3473.76,"end":3476.925,"sentiment":"positive","sentiment_score":0.5946449364225069}],"sentiment":"neutral","sentiment_score":0.2827543672919273,"num_words":50,"start":3460.465,"end":3476.925},{"sentences":[{"text":"Thank you.","start":3480.025,"end":3480.7449,"sentiment":"positive","sentiment_score":0.6620323359966278},{"text":"Bye.","start":3480.7449,"end":3481.2449,"sentiment":"neutral","sentiment_score":-0.08776261657476425}],"sentiment":"positive","sentiment_score":0.4121006851394971,"num_words":3,"start":3480.025,"end":3481.2449}]}}]},{"alternatives":[{"transcript":"Hello. It's Mark speaking. Very good. Thank you. Yourself? Yep. That's no problem. It's Mark Shawn Hogar, twenty first six nineteen ninety three, and it's 111 Longstreet, Point Vernon. Yep. I do have Megan with me. Yep. She's with me as well. Hello? And yourself? Yes. Yes. Yeah. Absolutely. Yep. No. But we are Christmas. Okay, buddy. Three weeks. Yes. We're very happy. Very exciting. It is now changed. I am a plumbing inspector for Freight the Coast Council. Yeah. In the office. I'm not on the tools anymore. I just go ahead and inspect other plumbers' work. And then so, like, I'm driving around most of the day, but I spend probably a few hours in the office every day. Yeah. I would I would say pretty much yeah. I would say that's the same. A month and a half ago. So July 11, was it? Oh, is it the eleventh? Yeah. Somewhere in there. Yeah. Full time. I think thirty eight hours a week or forty hours a week. Thirty Yes. Yes. Yeah. Yes. Pretty much. In a in a hospital. Yeah. In a hospital. Yeah. Yep. Probably mid December. Yeah. Probably about a year. Is. I think it's twenty six weeks now from February through the SenseLink, and then my job does an arrangement. You can do twelve weeks at full pay, or you can take, you know, double that time and half pay. So I yeah. But I think what we're sort of thinking at this stage is to take that Centrelink payment first, and then we'll probably do the next sort of twenty four weeks or half a day for my wage from work. Yes. Yeah. That was right? Your income, it's Yeah. Yeah. That's going up to 100. It's a 100 plus super. Yeah. Yes. It's I think it's around there $94.96 plus super. Yep. I think all of our, yeah, expenses are roughly the same Yeah. Yeah. Except except for probably the mortgage and everything we pay for you. I suppose if you're a No. That wouldn't be paid for you. Right? I don't know. Mortgage separate? Yeah. Mortgage separate. That's minimum. No. No. That's extra. Well Yeah. Yeah. It is extra at the moment. Just with the like, the rates just when we first got our mortgage, the industry was higher. So our minimum premium Yeah. So what we do is we have our own separate accounts, and then we put extra money into our offset account. So we put these as soon as we get paid on alternate fortnight. I put in, like, 1,701 fortnight, then puts it in the next fortnight. So we save in that account, and then we do our have our own little savings as well. So what's that? It's an extra they keep $800. Yeah. A week offset. Yeah. And then, whatever, like, say $200 if we're in savings for the fortnight. Yeah. You'll be the same. Yep. Yeah. In the offset? Yep. I've just selected the 12%. I did have the option to do 18, but I just for the meantime, I just selected the 12%. Is that salary sacrifice? Yeah. I think I I think because of salary, it's 12 something on the top of my head. I think the value we're actually better to get an evaluation done hopefully in the next couple weeks. I I generally think it'd be up around the 900. Right now, Brenna. Yeah. The debt we've got is, yeah, about 600. Yes. Yeah. It's something that's I just looked at it before. It's 618,000 is what we owe. Okay. Yep. Yep. Yeah. No. So 1,400 all up? Yep. Just kinda keeps away as a. Yes. I am sitting at I paid 50, baby. So it's George, but I'm sitting at 13,000. I've got 11. 5? 4. Yeah. It's probably like a baby emergency. And then we also Renovation. She's all yeah. Yeah. Our offset's primarily for our house, and we do use for a few entrances like the baby and whatnot. But we're hoping to upgrade our vehicle because wanted, like, a deposit. I mean, in the 19 year old, we we we had a car loan, but it's hard to come up with that cash. So my headset is currently sitting at 26,800. Oh. And I do sue Yes. Good. That's good to know. It's gonna a vote now? Yeah. I think prop I reckon that would be probably worth around the 6 to seven. Yeah. We inherited that from our family. But we we don't like we're not in a life stage being able to go out on the phone. Oh, yeah. So So we're gonna get rid of it, I think. Yeah. That's what it is. Yeah. I think so. Yep. Yes. We're actually separate. Mine is with HCS. I think it's with CUA. CUA. I didn't fill out my what's the The nomination. Yeah. I haven't done my email. You should do that. Yep. Yep. Yep. Yeah. Yes. Yep. Holy. Yep. Yeah. Definitely. Well, yeah, if it hasn't performed over the last year, we can definitely look at it elsewhere. Jump into it now. Yep. Yeah. We can do that. Definitely. Yep. Yes. Yeah. No problem. Yeah. Yeah. Yeah. I I think, like, I think I was quite conservative in my collections at the shop just because I'm, like, more of a sort of an anxious person when it comes to money, whereas it makes very much like money comes and goes. So I think yeah. I'm absolutely open to it because I I feel like I have more belief in investing and, like, also just you guys, like, build that sort of trust because you see the change in the balance and everything. So I'm definitely open to exploring more options and, like, maybe some more Aggressive approach. Yeah. Aggressive approaches. Yep. Yeah. Yep. Yes. Yes. Yep. Yeah. Yeah. Yeah. Yep. Right away. Yeah. Right away. It's Wednesday. Yeah. Yeah. Yeah. Yeah. Yep. I I think I'm probably moved up more to, like, 85, yeah, in the last twelve months. But, yeah, obviously, that hundred's only just started from July. So Yeah. A whole yeah. A whole year. Yeah. Totally understand. So it's it's best off leaving that for now, but potentially increase the life insurance. Yeah? Yeah. Yeah. Exactly. So what's the point? Yeah. Yeah. Yeah. House paid off. Yeah. No debt. And, obviously well, yeah, little one on the way, probably probably some security in that part as well. I think I'd have to. Yeah. I'd have to. Yeah. Well, it yeah. It's hard. We've been looking looking at Yeah. After having it, like yeah. If the kid comes along and, yeah, all of that, then, yeah, there it Definitely needs family. Yeah. It would probably be probably part time, I would say, if anything. I'd probably yeah. I'd probably say more, probably a thousand maybe. Oh, yeah. True. I don't I don't I'm thinking, like, $300, so food, meals. Yeah. I like electrical, all that other stuff. So yeah. Yeah. Leave it at a 100, I would say. Yeah. Yeah. Possibly. Yeah. Which what's that? That's $200 a day. Probably 10 percent. Yeah. Yeah. I have I don't know what they're called specifically. Yeah. Yeah. Yeah. Yeah. Not that I can think of. To be honest, maybe I don't know if we'd go back to work straight away. So having that Yeah. It would be, like, a good year or so of probably well, for myself, that's what I probably would expect. I can't believe that. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yes. Yep. Yep. Yeah. Has that fee has that fee going up? Yeah. Yeah. Yep. Okay. You fixed it in. Okay. Yep. Yep. No. That's all good. Yes. Yep. Yep. No. I haven't really done any of that. Yeah. I'd probably end some moderate risk myself. I don't know about me. Yeah. Probably just do a risk. Yeah. What was the first two options? Sorry. Maybe moderately. Yeah. I would say moderately. Yes. Probably six six to eight. Okay. In an ideal world, the higher, the better. Yeah. I think I tend to sort of just be like, oh, it's because I'm young, I suppose, I think, like, oh, it's, like, it's just a little drop. It'll go back up sort of thing. Like, it happens. Yeah. Yeah. Yep. I would say. I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't think. But the I don't know. I'm not sure. What about you? Yeah. We'll do. It'd be the same. It'd be for property, probably not for shares. Yeah. Haven't even I to be honest, I didn't I haven't even thought about that. Yeah. Yeah. Neither have I. Yeah. Yeah. Mhmm. Yeah. Yeah. Stay stay at that. Oh, no. I haven't I haven't looked at, like, the the portfolio, like, crazy. Like, I don't log in all the time and, like, oh, no. Why am I losing money? But that like, I do log in every now and then, every couple of months, and, you know, you see the ups and downs, but it's yeah. It's a part of it, isn't it? Yeah. I think I think Yeah. I think for the most part, I feel pretty positive about it all. Like As you as we said, we're young. The only thing I'm worried about is if we go to war and then we lose it all, which fingers crossed. Yeah. Yeah. Yeah. Yeah. I think we leave it. Yep. Yeah. Yeah. Yeah. Yeah. I think at this juncture, I'm certainly, like, feel comfortable about that. Like, as you said, riding the wave again. Like, I think we've got time to ride the wave. We've got time on our side. So I I think for now, certainly, I would feel comfortable, you know, maybe in ten years, maybe not. Mhmm. Yeah. Easy. Mhmm. It will be a not it'll be a nightmare to get all of it. Yeah. Yeah. I think we'll just what? Do a binding? Yeah. Yeah. If we ever need to change it, we can do so. We can always call up and change. Yeah. Yep. No. I'm happy with annual. With with the with the reviews of the super going up and down, do you reckon it's worth reviewing a little bit more frequently to see what comes and what goes and if it's doing well or if it's not like, because we're both aggressive now, should we have more reviews to so if things aren't working as well as what we want, we change them? Not performing? You'd call. Okay. Yep. Yeah. Okay. Yeah. Yep. A z. I think I think I'm good. Yeah. I think we're I think given our age and health status, I think maybe we leave it for now. Well, we're actually probably looking to, unfortunately, increase increase our mortgage because we're gonna be doing an extension on our home. So, yeah, we're probably looking the opposite way at this stage. And then, hopefully, once I'm back at work and stuff, we can set it up to try and pay down quicker. Yes. Yep. Yeah. That would be perfect. Yeah. That that'd be good. Yep. I don't think so. I don't have any. I'm good. Yep. Yeah. Yep. Yep. Yeah. That might be good. That would be good. Yeah. Yep. Yep. No. But it's necessary. Yep. Yeah. Awesome. No problem. Thank you. Alright. No problem. 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It's Mark speaking. Very good. Thank you. Yourself?\n\nYep. That's no problem. It's Mark Shawn Hogar, twenty first six nineteen ninety three, and it's 111 Longstreet, Point Vernon. Yep. I do have Megan with me.\n\nYep. She's with me as well. Hello? And yourself? Yes.\n\nYes. Yeah. Absolutely. Yep. No.\n\nBut we are Christmas. Okay, buddy. Three weeks. Yes. We're very happy.\n\nVery exciting. It is now changed. I am a plumbing inspector for Freight the Coast Council. Yeah. In the office.\n\nI'm not on the tools anymore. I just go ahead and inspect other plumbers' work. And then so, like, I'm driving around most of the day, but I spend probably a few hours in the office every day. Yeah. I would I would say pretty much yeah.\n\nI would say that's the same. A month and a half ago. So July 11, was it? Oh, is it the eleventh? Yeah.\n\nSomewhere in there. Yeah. Full time. I think thirty eight hours a week or forty hours a week. Thirty Yes.\n\nYes. Yeah. Yes. Pretty much. In a in a hospital.\n\nYeah. In a hospital. Yeah. Yep. Probably mid December.\n\nYeah. Probably about a year. Is. I think it's twenty six weeks now from February through the SenseLink, and then my job does an arrangement. You can do twelve weeks at full pay, or you can take, you know, double that time and half pay.\n\nSo I yeah. But I think what we're sort of thinking at this stage is to take that Centrelink payment first, and then we'll probably do the next sort of twenty four weeks or half a day for my wage from work. Yes. Yeah. That was right?\n\nYour income, it's Yeah. Yeah. That's going up to 100. It's a 100 plus super. Yeah.\n\nYes. It's I think it's around there $94.96 plus super. Yep. I think all of our, yeah, expenses are roughly the same Yeah. Yeah.\n\nExcept except for probably the mortgage and everything we pay for you. I suppose if you're a No. That wouldn't be paid for you. Right? I don't know.\n\nMortgage separate? Yeah. Mortgage separate. That's minimum. No.\n\nNo. That's extra. Well Yeah. Yeah. It is extra at the moment.\n\nJust with the like, the rates just when we first got our mortgage, the industry was higher. So our minimum premium Yeah. So what we do is we have our own separate accounts, and then we put extra money into our offset account. So we put these as soon as we get paid on alternate fortnight. I put in, like, 1,701 fortnight, then puts it in the next fortnight.\n\nSo we save in that account, and then we do our have our own little savings as well. So what's that? It's an extra they keep $800. Yeah. A week offset.\n\nYeah. And then, whatever, like, say $200 if we're in savings for the fortnight. Yeah. You'll be the same. Yep.\n\nYeah. In the offset? Yep. I've just selected the 12%. I did have the option to do 18, but I just for the meantime, I just selected the 12%.\n\nIs that salary sacrifice? Yeah. I think I I think because of salary, it's 12 something on the top of my head. I think the value we're actually better to get an evaluation done hopefully in the next couple weeks. I I generally think it'd be up around the 900.\n\nRight now, Brenna. Yeah. The debt we've got is, yeah, about 600. Yes. Yeah.\n\nIt's something that's I just looked at it before. It's 618,000 is what we owe. Okay. Yep. Yep.\n\nYeah. No. So 1,400 all up? Yep. Just kinda keeps away as a.\n\nYes. I am sitting at I paid 50, baby. So it's George, but I'm sitting at 13,000. I've got 11. 5?\n\n4. Yeah. It's probably like a baby emergency. And then we also Renovation. She's all yeah.\n\nYeah. Our offset's primarily for our house, and we do use for a few entrances like the baby and whatnot. But we're hoping to upgrade our vehicle because wanted, like, a deposit. I mean, in the 19 year old, we we we had a car loan, but it's hard to come up with that cash. So my headset is currently sitting at 26,800.\n\nOh. And I do sue Yes. Good. That's good to know. It's gonna a vote now?\n\nYeah. I think prop I reckon that would be probably worth around the 6 to seven. Yeah. We inherited that from our family. But we we don't like we're not in a life stage being able to go out on the phone.\n\nOh, yeah. So So we're gonna get rid of it, I think. Yeah. That's what it is. Yeah.\n\nI think so. Yep. Yes. We're actually separate. Mine is with HCS.\n\nI think it's with CUA. CUA. I didn't fill out my what's the The nomination. Yeah. I haven't done my email.\n\nYou should do that. Yep. Yep. Yep. Yeah.\n\nYes. Yep. Holy. Yep. Yeah.\n\nDefinitely. Well, yeah, if it hasn't performed over the last year, we can definitely look at it elsewhere. Jump into it now. Yep. Yeah.\n\nWe can do that. Definitely. Yep. Yes. Yeah.\n\nNo problem. Yeah. Yeah. Yeah. I I think, like, I think I was quite conservative in my collections at the shop just because I'm, like, more of a sort of an anxious person when it comes to money, whereas it makes very much like money comes and goes.\n\nSo I think yeah. I'm absolutely open to it because I I feel like I have more belief in investing and, like, also just you guys, like, build that sort of trust because you see the change in the balance and everything. So I'm definitely open to exploring more options and, like, maybe some more Aggressive approach. Yeah. Aggressive approaches.\n\nYep. Yeah. Yep. Yes. Yes.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nRight away. Yeah. Right away. It's Wednesday. Yeah.\n\nYeah. Yeah. Yeah. Yep. I I think I'm probably moved up more to, like, 85, yeah, in the last twelve months.\n\nBut, yeah, obviously, that hundred's only just started from July. So Yeah. A whole yeah. A whole year. Yeah.\n\nTotally understand. So it's it's best off leaving that for now, but potentially increase the life insurance. Yeah? Yeah. Yeah.\n\nExactly. So what's the point? Yeah. Yeah. Yeah.\n\nHouse paid off. Yeah. No debt. And, obviously well, yeah, little one on the way, probably probably some security in that part as well. I think I'd have to.\n\nYeah. I'd have to. Yeah. Well, it yeah. It's hard.\n\nWe've been looking looking at Yeah. After having it, like yeah. If the kid comes along and, yeah, all of that, then, yeah, there it Definitely needs family. Yeah. It would probably be probably part time, I would say, if anything.\n\nI'd probably yeah. I'd probably say more, probably a thousand maybe. Oh, yeah. True. I don't I don't I'm thinking, like, $300, so food, meals.\n\nYeah. I like electrical, all that other stuff. So yeah. Yeah. Leave it at a 100, I would say.\n\nYeah. Yeah. Possibly. Yeah. Which what's that?\n\nThat's $200 a day. Probably 10 percent. Yeah. Yeah. I have I don't know what they're called specifically.\n\nYeah. Yeah. Yeah. Yeah. Not that I can think of.\n\nTo be honest, maybe I don't know if we'd go back to work straight away. So having that Yeah. It would be, like, a good year or so of probably well, for myself, that's what I probably would expect. I can't believe that. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYes. Yep. Yep. Yeah. Has that fee has that fee going up?\n\nYeah. Yeah. Yep. Okay. You fixed it in.\n\nOkay. Yep. Yep. No. That's all good.\n\nYes. Yep. Yep. No. I haven't really done any of that.\n\nYeah. I'd probably end some moderate risk myself. I don't know about me. Yeah. Probably just do a risk.\n\nYeah. What was the first two options? Sorry. Maybe moderately. Yeah.\n\nI would say moderately. Yes. Probably six six to eight. Okay. In an ideal world, the higher, the better.\n\nYeah. I think I tend to sort of just be like, oh, it's because I'm young, I suppose, I think, like, oh, it's, like, it's just a little drop. It'll go back up sort of thing. Like, it happens. Yeah.\n\nYeah. Yep. I would say. I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't think. But the I don't know.\n\nI'm not sure. What about you? Yeah. We'll do. It'd be the same.\n\nIt'd be for property, probably not for shares. Yeah. Haven't even I to be honest, I didn't I haven't even thought about that. Yeah. Yeah.\n\nNeither have I. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. Stay stay at that. Oh, no. I haven't I haven't looked at, like, the the portfolio, like, crazy. Like, I don't log in all the time and, like, oh, no.\n\nWhy am I losing money? But that like, I do log in every now and then, every couple of months, and, you know, you see the ups and downs, but it's yeah. It's a part of it, isn't it? Yeah. I think I think Yeah.\n\nI think for the most part, I feel pretty positive about it all. Like As you as we said, we're young. The only thing I'm worried about is if we go to war and then we lose it all, which fingers crossed. Yeah. Yeah.\n\nYeah. Yeah. I think we leave it. Yep. Yeah.\n\nYeah. Yeah. Yeah. I think at this juncture, I'm certainly, like, feel comfortable about that. Like, as you said, riding the wave again.\n\nLike, I think we've got time to ride the wave. We've got time on our side. So I I think for now, certainly, I would feel comfortable, you know, maybe in ten years, maybe not. Mhmm. Yeah.\n\nEasy. Mhmm. It will be a not it'll be a nightmare to get all of it. Yeah. Yeah.\n\nI think we'll just what? Do a binding? Yeah. Yeah. If we ever need to change it, we can do so.\n\nWe can always call up and change. Yeah. Yep. No. I'm happy with annual.\n\nWith with the with the reviews of the super going up and down, do you reckon it's worth reviewing a little bit more frequently to see what comes and what goes and if it's doing well or if it's not like, because we're both aggressive now, should we have more reviews to so if things aren't working as well as what we want, we change them? Not performing? You'd call. Okay. Yep.\n\nYeah. Okay. Yeah. Yep. A z.\n\nI think I think I'm good. Yeah. I think we're I think given our age and health status, I think maybe we leave it for now. Well, we're actually probably looking to, unfortunately, increase increase our mortgage because we're gonna be doing an extension on our home. So, yeah, we're probably looking the opposite way at this stage.\n\nAnd then, hopefully, once I'm back at work and stuff, we can set it up to try and pay down quicker. Yes. Yep. Yeah. That would be perfect.\n\nYeah. That that'd be good. Yep. I don't think so. I don't have any.\n\nI'm good. Yep. Yeah. Yep. Yep.\n\nYeah. That might be good. That would be good. Yeah. Yep.\n\nYep. No. But it's necessary. Yep. Yeah.\n\nAwesome. No problem. Thank you. Alright. No problem.\n\nThanks for your time.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.24,"end":2.56,"sentiment":"neutral","sentiment_score":0.03444068878889084},{"text":"It's Mark speaking.","start":2.56,"end":3.54,"sentiment":"neutral","sentiment_score":0.02639791617790858},{"text":"Very good.","start":9.44,"end":10.0,"sentiment":"positive","sentiment_score":0.5926434099674225},{"text":"Thank you.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.5523324310779572},{"text":"Yourself?","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.2614140212535858}],"sentiment":"neutral","sentiment_score":0.2961111267407735,"num_words":9,"start":2.24,"end":10.98},{"sentences":[{"text":"Yep.","start":19.645,"end":19.965,"sentiment":"neutral","sentiment_score":0.01540752314031124},{"text":"That's no problem.","start":19.965,"end":20.865,"sentiment":"neutral","sentiment_score":0.07822681218385696},{"text":"It's Mark Shawn Hogar, twenty first six nineteen 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Christmas.","start":128.935,"end":130.235,"sentiment":"neutral","sentiment_score":0.02809007838368416},{"text":"Okay, buddy.","start":133.655,"end":134.395,"sentiment":"neutral","sentiment_score":0.11930118873715401},{"text":"Three weeks.","start":135.095,"end":135.99501,"sentiment":"neutral","sentiment_score":0.09048232808709145},{"text":"Yes.","start":141.655,"end":141.895,"sentiment":"neutral","sentiment_score":0.23168429732322693},{"text":"We're very happy.","start":141.895,"end":142.875,"sentiment":"neutral","sentiment_score":0.18703637520472208}],"sentiment":"neutral","sentiment_score":0.11039339751005173,"num_words":12,"start":128.935,"end":142.875},{"sentences":[{"text":"Very exciting.","start":157.31499,"end":158.135,"sentiment":"positive","sentiment_score":0.7160151898860931},{"text":"It is now changed.","start":174.64,"end":175.94,"sentiment":"neutral","sentiment_score":-0.002624849323183298},{"text":"I am a plumbing inspector for Freight the Coast 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eleventh?","start":232.43,"end":235.09,"sentiment":"neutral","sentiment_score":0.00667323237285018},{"text":"Yeah.","start":235.87,"end":236.19,"sentiment":"neutral","sentiment_score":0.003048216924071312}],"sentiment":"neutral","sentiment_score":0.008783218167398287,"num_words":23,"start":219.325,"end":236.19},{"sentences":[{"text":"Somewhere in there.","start":236.19,"end":237.135,"sentiment":"neutral","sentiment_score":-0.011798807109395662},{"text":"Yeah.","start":241.855,"end":242.17499,"sentiment":"neutral","sentiment_score":0.03406251221895218},{"text":"Full time.","start":242.17499,"end":242.915,"sentiment":"neutral","sentiment_score":0.06060151010751724},{"text":"I think thirty eight hours a week or forty hours a week.","start":248.81499,"end":251.295,"sentiment":"neutral","sentiment_score":0.013561749132350087},{"text":"Thirty 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yeah, if it hasn't performed over the last year, we can definitely look at it elsewhere.","start":1355.985,"end":1360.8849,"sentiment":"neutral","sentiment_score":0.28654660898096423},{"text":"Jump into it now.","start":1391.045,"end":1392.3451,"sentiment":"neutral","sentiment_score":-0.0027803550474345684},{"text":"Yep.","start":1402.86,"end":1403.36,"sentiment":"neutral","sentiment_score":0.09014984220266342},{"text":"Yeah.","start":1416.485,"end":1416.725,"sentiment":"neutral","sentiment_score":0.10231201350688934}],"sentiment":"neutral","sentiment_score":0.21930053744775554,"num_words":24,"start":1355.4249,"end":1416.725},{"sentences":[{"text":"We can do 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understand.","start":1840.375,"end":1841.195,"sentiment":"neutral","sentiment_score":0.07979293912649155},{"text":"So it's it's best off leaving that for now, but potentially increase the life insurance.","start":1842.455,"end":1847.975,"sentiment":"neutral","sentiment_score":-0.04697866191466649},{"text":"Yeah?","start":1847.975,"end":1848.475,"sentiment":"neutral","sentiment_score":0.07298065721988678},{"text":"Yeah.","start":1860.02,"end":1860.52,"sentiment":"neutral","sentiment_score":-0.10345513373613358},{"text":"Yeah.","start":1870.725,"end":1871.045,"sentiment":"neutral","sentiment_score":-0.1098393052816391}],"sentiment":"neutral","sentiment_score":-0.03427039161324501,"num_words":20,"start":1840.375,"end":1871.045},{"sentences":[{"text":"Exactly.","start":1871.045,"end":1871.545,"sentiment":"neutral","sentiment_score":-0.1422155499458313},{"text":"So what's the 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drop.","start":2640.08,"end":2647.5352,"sentiment":"neutral","sentiment_score":-0.1694549878260919},{"text":"It'll go back up sort of thing.","start":2647.5352,"end":2649.3152,"sentiment":"neutral","sentiment_score":-0.12720035016536713},{"text":"Like, it happens.","start":2649.375,"end":2650.2751,"sentiment":"neutral","sentiment_score":0.005195491015911102},{"text":"Yeah.","start":2651.215,"end":2651.715,"sentiment":"positive","sentiment_score":0.44229817390441895}],"sentiment":"neutral","sentiment_score":-0.1279803903773427,"num_words":40,"start":2618.625,"end":2651.715},{"sentences":[{"text":"Yeah.","start":2653.855,"end":2654.2551,"sentiment":"positive","sentiment_score":0.3653724491596222},{"text":"Yep.","start":2654.2551,"end":2654.655,"sentiment":"neutral","sentiment_score":0.2620243728160858},{"text":"I would say.","start":2654.655,"end":2655.475,"sentiment":"neutral","sentiment_score":0.27332283059755963},{"text":"I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't think.","start":2671.865,"end":2678.845,"sentiment":"neutral","sentiment_score":0.07389913652358311},{"text":"But the I don't know.","start":2679.145,"end":2680.365,"sentiment":"neutral","sentiment_score":-0.1483628012239933}],"sentiment":"neutral","sentiment_score":0.07301913500812493,"num_words":38,"start":2653.855,"end":2680.365},{"sentences":[{"text":"I'm not sure.","start":2680.585,"end":2681.405,"sentiment":"neutral","sentiment_score":-0.14178443451722464},{"text":"What about you?","start":2681.865,"end":2682.585,"sentiment":"neutral","sentiment_score":-0.08718646317720413},{"text":"Yeah.","start":2682.585,"end":2682.825,"sentiment":"neutral","sentiment_score":-0.0336843878030777},{"text":"We'll do.","start":2682.825,"end":2683.565,"sentiment":"neutral","sentiment_score":0.04201672598719597},{"text":"It'd be the same.","start":2684.17,"end":2684.89,"sentiment":"neutral","sentiment_score":0.01573871122673154}],"sentiment":"neutral","sentiment_score":-0.04412375261577276,"num_words":13,"start":2680.585,"end":2684.89},{"sentences":[{"text":"It'd be for property, probably not for shares.","start":2684.89,"end":2687.29,"sentiment":"neutral","sentiment_score":-0.0239271518366877},{"text":"Yeah.","start":2687.29,"end":2687.79,"sentiment":"neutral","sentiment_score":0.01577504724264145},{"text":"Haven't even I to be honest, I didn't I haven't even thought about that.","start":2688.25,"end":2691.69,"sentiment":"neutral","sentiment_score":-0.1316077405852931},{"text":"Yeah.","start":2691.69,"end":2692.09,"sentiment":"neutral","sentiment_score":-0.023981211706995964},{"text":"Yeah.","start":2692.09,"end":2692.33,"sentiment":"neutral","sentiment_score":-0.02287864498794079}],"sentiment":"neutral","sentiment_score":-0.08260041569359601,"num_words":25,"start":2684.89,"end":2692.33},{"sentences":[{"text":"Neither have I.","start":2692.33,"end":2693.31,"sentiment":"neutral","sentiment_score":-0.05820515751838684},{"text":"Yeah.","start":2698.595,"end":2699.095,"sentiment":"neutral","sentiment_score":0.13285011053085327},{"text":"Yeah.","start":2705.075,"end":2705.575,"sentiment":"neutral","sentiment_score":0.11139082908630372},{"text":"Mhmm.","start":2708.515,"end":2709.015,"sentiment":"neutral","sentiment_score":0.1095518320798874},{"text":"Yeah.","start":2720.2798,"end":2720.7798,"sentiment":"neutral","sentiment_score":0.09753605723381042}],"sentiment":"neutral","sentiment_score":0.03953047948224204,"num_words":7,"start":2692.33,"end":2720.7798},{"sentences":[{"text":"Yeah.","start":2720.92,"end":2721.42,"sentiment":"neutral","sentiment_score":0.09310171753168106},{"text":"Stay stay at that.","start":2725.0,"end":2726.235,"sentiment":"neutral","sentiment_score":0.126915093511343},{"text":"Oh, no.","start":2744.17,"end":2744.49,"sentiment":"neutral","sentiment_score":-0.1543765664100647},{"text":"I haven't I haven't looked at, like, the the portfolio, like, crazy.","start":2744.49,"end":2749.53,"sentiment":"neutral","sentiment_score":-0.1885235235095024},{"text":"Like, I don't log in all the time and, like, oh, no.","start":2749.53,"end":2751.565,"sentiment":"neutral","sentiment_score":-0.14889472040037313}],"sentiment":"neutral","sentiment_score":-0.12119386994069622,"num_words":31,"start":2720.92,"end":2751.565},{"sentences":[{"text":"Why am I losing money?","start":2751.565,"end":2752.7651,"sentiment":"neutral","sentiment_score":-0.3067562162876129},{"text":"But that like, I do log in every now and then, every couple of months, and, you know, you see the ups and downs, but it's yeah.","start":2752.7651,"end":2760.205,"sentiment":"neutral","sentiment_score":-0.021533032603285932},{"text":"It's a part of it, isn't it?","start":2760.205,"end":2761.585,"sentiment":"neutral","sentiment_score":0.058873385190963745},{"text":"Yeah.","start":2761.805,"end":2762.305,"sentiment":"neutral","sentiment_score":0.10578007996082306},{"text":"I think I think Yeah.","start":2762.5251,"end":2764.3252,"sentiment":"positive","sentiment_score":0.3551375985145569}],"sentiment":"neutral","sentiment_score":0.0039646401587459775,"num_words":45,"start":2751.565,"end":2764.3252},{"sentences":[{"text":"I think for the most part, I feel pretty positive about it all.","start":2764.445,"end":2767.3198,"sentiment":"positive","sentiment_score":0.6232191530557779},{"text":"Like As you as we said, we're young.","start":2767.3198,"end":2769.48,"sentiment":"neutral","sentiment_score":0.22781127132475376},{"text":"The only thing I'm worried about is if we go to war and then we lose it all, which fingers crossed.","start":2769.48,"end":2777.26,"sentiment":"neutral","sentiment_score":-0.04862316795403049},{"text":"Yeah.","start":2782.765,"end":2783.265,"sentiment":"neutral","sentiment_score":0.0725986659526825},{"text":"Yeah.","start":2796.46,"end":2796.96,"sentiment":"neutral","sentiment_score":0.039881788194179535}],"sentiment":"neutral","sentiment_score":0.2049030247144401,"num_words":44,"start":2764.445,"end":2796.96},{"sentences":[{"text":"Yeah.","start":2818.0051,"end":2818.5051,"sentiment":"neutral","sentiment_score":0.0550076961517334},{"text":"Yeah.","start":2819.685,"end":2820.0051,"sentiment":"neutral","sentiment_score":0.028730690479278564},{"text":"I think we leave it.","start":2820.0051,"end":2821.225,"sentiment":"neutral","sentiment_score":0.02675081267952919},{"text":"Yep.","start":2822.9202,"end":2823.4202,"sentiment":"neutral","sentiment_score":0.10120760649442671},{"text":"Yeah.","start":2843.415,"end":2843.915,"sentiment":"neutral","sentiment_score":0.0759131908416748}],"sentiment":"neutral","sentiment_score":0.04384591637386216,"num_words":9,"start":2818.0051,"end":2843.915},{"sentences":[{"text":"Yeah.","start":2849.12,"end":2849.62,"sentiment":"neutral","sentiment_score":0.052752040326595306},{"text":"Yeah.","start":2858.0,"end":2858.32,"sentiment":"neutral","sentiment_score":0.0839618444442749},{"text":"Yeah.","start":2858.32,"end":2858.6401,"sentiment":"neutral","sentiment_score":0.09756936132907867},{"text":"I think at this juncture, I'm certainly, like, feel comfortable about that.","start":2858.6401,"end":2863.065,"sentiment":"neutral","sentiment_score":0.14528649300336838},{"text":"Like, as you said, riding the wave again.","start":2863.305,"end":2865.785,"sentiment":"neutral","sentiment_score":0.10768030490726233}],"sentiment":"neutral","sentiment_score":0.12344189571297687,"num_words":23,"start":2849.12,"end":2865.785},{"sentences":[{"text":"Like, I think we've got time to ride the wave.","start":2865.785,"end":2868.505,"sentiment":"neutral","sentiment_score":0.10096817314624787},{"text":"We've got time on our side.","start":2868.505,"end":2870.2048,"sentiment":"neutral","sentiment_score":0.10113346079985301},{"text":"So I I think for now, certainly, I would feel comfortable, you know, maybe in ten years, maybe not.","start":2870.585,"end":2876.045,"sentiment":"neutral","sentiment_score":0.05077299808985308},{"text":"Mhmm.","start":2915.54,"end":2915.86,"sentiment":"neutral","sentiment_score":0.10094420611858368},{"text":"Yeah.","start":2915.86,"end":2916.36,"sentiment":"neutral","sentiment_score":0.2623574733734131}],"sentiment":"neutral","sentiment_score":0.07958030106650817,"num_words":37,"start":2865.785,"end":2916.36},{"sentences":[{"text":"Easy.","start":2917.94,"end":2918.44,"sentiment":"neutral","sentiment_score":0.279377281665802},{"text":"Mhmm.","start":2933.585,"end":2934.085,"sentiment":"neutral","sentiment_score":0.017437931150197983},{"text":"It will be a not it'll be a nightmare to get all of it.","start":2942.04,"end":2946.36,"sentiment":"neutral","sentiment_score":-0.29461046906986404},{"text":"Yeah.","start":2946.36,"end":2946.86,"sentiment":"neutral","sentiment_score":-0.17446687817573547},{"text":"Yeah.","start":2956.615,"end":2957.115,"sentiment":"neutral","sentiment_score":-0.15924452245235443}],"sentiment":"neutral","sentiment_score":-0.23119126415501037,"num_words":18,"start":2917.94,"end":2957.115},{"sentences":[{"text":"I think we'll just what?","start":3006.895,"end":3008.815,"sentiment":"neutral","sentiment_score":0.006893083825707436},{"text":"Do a binding?","start":3008.815,"end":3009.635,"sentiment":"neutral","sentiment_score":-0.01603009986380736},{"text":"Yeah.","start":3009.7751,"end":3010.175,"sentiment":"neutral","sentiment_score":0.07163527607917786},{"text":"Yeah.","start":3010.175,"end":3010.335,"sentiment":"neutral","sentiment_score":0.11382131278514862},{"text":"If we ever need to change it, we can do so.","start":3010.335,"end":3012.335,"sentiment":"neutral","sentiment_score":0.13267927074974234}],"sentiment":"neutral","sentiment_score":0.07768112793564796,"num_words":21,"start":3006.895,"end":3012.335},{"sentences":[{"text":"We can always call up and change.","start":3012.335,"end":3013.875,"sentiment":"neutral","sentiment_score":0.194832586816379},{"text":"Yeah.","start":3014.0151,"end":3014.34,"sentiment":"neutral","sentiment_score":0.12076524645090105},{"text":"Yep.","start":3017.22,"end":3017.72,"sentiment":"neutral","sentiment_score":0.09954851865768433},{"text":"No.","start":3031.9648,"end":3032.2048,"sentiment":"neutral","sentiment_score":-0.09612849354743958},{"text":"I'm happy with annual.","start":3032.2048,"end":3033.4248,"sentiment":"neutral","sentiment_score":0.00861365906894207}],"sentiment":"neutral","sentiment_score":0.1087477153965405,"num_words":14,"start":3012.335,"end":3033.4248},{"sentences":[{"text":"With with the with the reviews of the super going up and down, do you reckon it's worth reviewing a little bit more frequently to see what comes and what goes and if it's doing well or if it's not like, because we're both aggressive now, should we have more reviews to so if things aren't working as well as what we want, we change them?","start":3033.805,"end":3062.445,"sentiment":"neutral","sentiment_score":-0.046701071388793716},{"text":"Not performing?","start":3073.065,"end":3073.885,"sentiment":"neutral","sentiment_score":-0.11944995820522308},{"text":"You'd call.","start":3091.5051,"end":3092.3252,"sentiment":"neutral","sentiment_score":0.02760386187583208},{"text":"Okay.","start":3092.945,"end":3093.445,"sentiment":"neutral","sentiment_score":0.07510185986757278},{"text":"Yep.","start":3095.425,"end":3095.925,"sentiment":"neutral","sentiment_score":0.07262805104255676}],"sentiment":"neutral","sentiment_score":-0.04330879157512552,"num_words":72,"start":3033.805,"end":3095.925},{"sentences":[{"text":"Yeah.","start":3119.825,"end":3120.325,"sentiment":"neutral","sentiment_score":0.016560982912778854},{"text":"Okay.","start":3124.625,"end":3125.125,"sentiment":"neutral","sentiment_score":0.02369672618806362},{"text":"Yeah.","start":3126.7048,"end":3127.2048,"sentiment":"neutral","sentiment_score":0.04564778879284859},{"text":"Yep.","start":3135.48,"end":3135.98,"sentiment":"neutral","sentiment_score":0.04930473864078522},{"text":"A z.","start":3138.36,"end":3139.02,"sentiment":"neutral","sentiment_score":0.0003185229143127799}],"sentiment":"neutral","sentiment_score":0.02264121372718364,"num_words":6,"start":3119.825,"end":3139.02},{"sentences":[{"text":"I think I think I'm good.","start":3231.015,"end":3232.375,"sentiment":"positive","sentiment_score":0.5794864396254221},{"text":"Yeah.","start":3232.375,"end":3232.6948,"sentiment":"neutral","sentiment_score":0.22073516249656677},{"text":"I think we're I think given our age and health status, I think maybe we leave it for now.","start":3232.6948,"end":3239.7,"sentiment":"neutral","sentiment_score":-0.028311174038160396},{"text":"Well, we're actually probably looking to, unfortunately, increase increase our mortgage because we're gonna be doing an extension on our home.","start":3257.605,"end":3265.465,"sentiment":"neutral","sentiment_score":-0.2124166204815819},{"text":"So, yeah, we're probably looking the opposite way at this stage.","start":3267.4302,"end":3270.87,"sentiment":"neutral","sentiment_score":-0.2139705236662518}],"sentiment":"neutral","sentiment_score":-0.06301178098134376,"num_words":58,"start":3231.015,"end":3270.87},{"sentences":[{"text":"And then, hopefully, once I'm back at work and stuff, we can set it up to try and pay down quicker.","start":3270.87,"end":3277.6902,"sentiment":"neutral","sentiment_score":-0.06415563644397826},{"text":"Yes.","start":3282.125,"end":3282.625,"sentiment":"neutral","sentiment_score":0.117662712931633},{"text":"Yep.","start":3326.21,"end":3326.71,"sentiment":"neutral","sentiment_score":0.06719104945659637},{"text":"Yeah.","start":3341.825,"end":3342.145,"sentiment":"neutral","sentiment_score":0.26506227254867554},{"text":"That would be perfect.","start":3342.145,"end":3343.125,"sentiment":"positive","sentiment_score":0.5500570386648178}],"sentiment":"neutral","sentiment_score":0.04653127943830831,"num_words":28,"start":3270.87,"end":3343.125},{"sentences":[{"text":"Yeah.","start":3343.1848,"end":3343.425,"sentiment":"positive","sentiment_score":0.399553656578064},{"text":"That that'd be good.","start":3343.425,"end":3344.565,"sentiment":"positive","sentiment_score":0.45680467039346695},{"text":"Yep.","start":3345.345,"end":3345.845,"sentiment":"neutral","sentiment_score":0.26029670238494873},{"text":"I don't think so.","start":3350.67,"end":3351.73,"sentiment":"neutral","sentiment_score":-0.09589378908276558},{"text":"I don't have any.","start":3352.03,"end":3352.91,"sentiment":"neutral","sentiment_score":-0.14896249026060104}],"sentiment":"neutral","sentiment_score":0.10768885165452957,"num_words":14,"start":3343.1848,"end":3352.91},{"sentences":[{"text":"I'm good.","start":3352.91,"end":3353.55,"sentiment":"neutral","sentiment_score":-0.010484138503670692},{"text":"Yep.","start":3353.55,"end":3354.05,"sentiment":"neutral","sentiment_score":0.0008894788916222751},{"text":"Yeah.","start":3390.86,"end":3391.26,"sentiment":"neutral","sentiment_score":0.03279044106602669},{"text":"Yep.","start":3391.26,"end":3391.76,"sentiment":"neutral","sentiment_score":0.03994652256369591},{"text":"Yep.","start":3403.2751,"end":3403.7751,"sentiment":"neutral","sentiment_score":0.09486975520849228}],"sentiment":"neutral","sentiment_score":0.024587986787082627,"num_words":6,"start":3352.91,"end":3403.7751},{"sentences":[{"text":"Yeah.","start":3404.075,"end":3404.475,"sentiment":"neutral","sentiment_score":0.1515468955039978},{"text":"That might be good.","start":3404.475,"end":3405.2751,"sentiment":"neutral","sentiment_score":0.26746397465467453},{"text":"That would be good.","start":3405.2751,"end":3406.235,"sentiment":"neutral","sentiment_score":0.32283201813697815},{"text":"Yeah.","start":3406.235,"end":3406.735,"sentiment":"neutral","sentiment_score":0.13756562769412994},{"text":"Yep.","start":3434.96,"end":3435.46,"sentiment":"neutral","sentiment_score":-0.12811553478240967}],"sentiment":"neutral","sentiment_score":0.22928917814384808,"num_words":11,"start":3404.075,"end":3435.46},{"sentences":[{"text":"Yep.","start":3437.5999,"end":3438.0999,"sentiment":"neutral","sentiment_score":-0.11527560651302338},{"text":"No.","start":3439.8398,"end":3440.08,"sentiment":"neutral","sentiment_score":-0.15801414847373962},{"text":"But it's necessary.","start":3440.08,"end":3441.06,"sentiment":"neutral","sentiment_score":-0.1797540361682574},{"text":"Yep.","start":3449.695,"end":3450.195,"sentiment":"neutral","sentiment_score":0.03116717003285885},{"text":"Yeah.","start":3469.59,"end":3469.9102,"sentiment":"positive","sentiment_score":0.3723815381526947}],"sentiment":"neutral","sentiment_score":-0.058429022186568806,"num_words":7,"start":3437.5999,"end":3469.9102},{"sentences":[{"text":"Awesome.","start":3469.9102,"end":3470.3901,"sentiment":"positive","sentiment_score":0.7151097655296326},{"text":"No problem.","start":3470.3901,"end":3471.11,"sentiment":"positive","sentiment_score":0.5980312824249268},{"text":"Thank you.","start":3471.11,"end":3471.85,"sentiment":"positive","sentiment_score":0.7298926711082458},{"text":"Alright.","start":3477.27,"end":3477.6702,"sentiment":"neutral","sentiment_score":0.3283790946006775},{"text":"No problem.","start":3477.6702,"end":3478.23,"sentiment":"positive","sentiment_score":0.42320704460144043}],"sentiment":"positive","sentiment_score":0.568218857049942,"num_words":8,"start":3469.9102,"end":3478.23},{"sentences":[{"text":"Thanks for your time.","start":3478.23,"end":3479.29,"sentiment":"positive","sentiment_score":0.6796863377094269}],"sentiment":"positive","sentiment_score":0.6796863377094269,"num_words":4,"start":3478.23,"end":3479.29}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. It's Mark speaking.\n\nChannel 0: Hi, Michael. This is Jennifer from Oakview Financial. How are you today?\n\nChannel 1: Very good. Thank you. Yourself?\n\nChannel 0: I'm well. Thank you. I'm well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching\n\nChannel 1: Yep.\n\nChannel 0: purposes.\n\nChannel 1: That's\n\nChannel 0: Is\n\nChannel 1: no problem.\n\nChannel 0: that okay? Beautiful. And just to make sure that I'm speaking with the correct person, can you confirm your full nine full name, date of birth, and address, please?\n\nChannel 1: It's Mark Shawn Hogar, twenty first six nineteen ninety three, and it's 111 Longstreet, Point Vernon.\n\nChannel 0: Beautiful. Purpose of my call today is to ring and complete your annual review with your self\n\nChannel 1: Yep. I do\n\nChannel 0: and,\n\nChannel 1: have\n\nChannel 0: Megan.\n\nChannel 1: Megan\n\nChannel 0: Sorry.\n\nChannel 1: with me. Yep.\n\nChannel 0: Yes.\n\nChannel 1: She's with\n\nChannel 0: Yep.\n\nChannel 1: me as well. Hello?\n\nChannel 0: Beautiful. Hi, Megan. Can I also get you to confirm your full name, date of birth, and address, please? Fantastic. Thank you so much to the both of you for confirming that.\n\nHow are you both doing today?\n\nChannel 1: And\n\nChannel 0: That's good. That's good. I'm good. Thank you. Are you in the car at the moment?\n\nChannel 1: yourself?\n\nChannel 0: Yeah. Is it okay to still talk?\n\nChannel 1: Yes.\n\nChannel 0: Or\n\nChannel 1: Yes. Yeah. Absolutely.\n\nChannel 0: yeah? Okay. Alright. Fantastic. What I would like to start our review off by doing, if that's okay, is just running through the personal and financial information that you have on file.\n\nBecause the last time we spoke, you were getting you were in a lead up to your wedding, and I suspect some things have probably changed since then. So I'd like to just run through if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: So you're both now married? Yeah. Congratulations. And, also, do you have any dependents yet?\n\nChannel 1: No. But we are Christmas.\n\nChannel 0: Oh, congratulations. How far along are you?\n\nChannel 1: Okay, buddy. Three weeks.\n\nChannel 0: Oh, wow. That's very exciting.\n\nChannel 1: Yes. We're\n\nChannel 0: So\n\nChannel 1: very\n\nChannel 0: when's\n\nChannel 1: happy.\n\nChannel 0: the due when's due date? Mid January? Oh, wow. That's that's fantastic. Oh, congratulations to you both.\n\nExciting times ahead.\n\nChannel 1: Very exciting.\n\nChannel 0: Yeah. Okay. I just wanna check employment details. Now, Michael, we have you down as a plumber. Is that still correct?\n\nChannel 1: It is now changed.\n\nChannel 0: Okay. Yeah. Okay.\n\nChannel 1: I am a plumbing inspector for Freight the Coast Council.\n\nChannel 0: Fraser Coast Council. Beautiful. And is it a lot of field work, or do you spend time in the office?\n\nChannel 1: Yeah. In the office. I'm not on the tools anymore.\n\nChannel 0: Yep.\n\nChannel 1: I just go ahead and inspect other plumbers' work.\n\nChannel 0: Mhmm.\n\nChannel 1: And then so, like, I'm driving around most of the day, but I spend probably a few hours in the office every day.\n\nChannel 0: So would it be like you previously had you had down about 80% field, which is on the out of the office, basically, and 20% in the office. Would that be correct? Or\n\nChannel 1: Yeah. I would\n\nChannel 0: if\n\nChannel 1: I would say pretty much yeah.\n\nChannel 0: yep.\n\nChannel 1: I would say\n\nChannel 0: Okay.\n\nChannel 1: that's the same.\n\nChannel 0: Okay. Beautiful. And when did you start with Fraser Coast Council?\n\nChannel 1: A month and a half ago. So\n\nChannel 0: Okay.\n\nChannel 1: July 11, was it? Oh,\n\nChannel 0: That's\n\nChannel 1: is\n\nChannel 0: okay.\n\nChannel 1: it the\n\nChannel 0: It doesn't\n\nChannel 1: eleventh?\n\nChannel 0: need to be Yeah.\n\nChannel 1: Yeah. Somewhere\n\nChannel 0: Doesn't need\n\nChannel 1: in there.\n\nChannel 0: to be exact. That's alright. And so you're an employee now?\n\nChannel 1: Yeah. Full time.\n\nChannel 0: Beautiful. And how many hours per week?\n\nChannel 1: I think thirty eight hours a week or forty hours a week.\n\nChannel 0: Yep.\n\nChannel 1: Thirty\n\nChannel 0: Yep. Beautiful. Now, Megan, I actually don't have a lot of information down here on file that's current. I know that you're probably gonna be coming up to maternity leave shortly. Let me just flick over to another screen.\n\nSorry. Because excuse me. I just wanna make sure everything that we actually do have is up to date. Alright. Here we go.\n\nWe had you done as a physiotherapist. Is that still right?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Beautiful. In all in office\n\nChannel 1: Yeah. Yes.\n\nChannel 0: or\n\nChannel 1: Pretty\n\nChannel 0: in\n\nChannel 1: much.\n\nChannel 0: in in\n\nChannel 1: In\n\nChannel 0: clinic,\n\nChannel 1: a in a\n\nChannel 0: I\n\nChannel 1: hospital.\n\nChannel 0: should say. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Hospital.\n\nChannel 1: In a hospital. Yeah.\n\nChannel 0: Yep. Beautiful. And full time still?\n\nChannel 1: Yep.\n\nChannel 0: Yep. When do you plan on starting maternity leave?\n\nChannel 1: Probably mid December.\n\nChannel 0: Mid December. And how long\n\nChannel 1: Yeah.\n\nChannel 0: do you think you will be on maternity leave for?\n\nChannel 1: Probably about a year.\n\nChannel 0: Yep. Okay. Fantastic. Beautiful. And is that all paid, like, with the hospital, or what what is\n\nChannel 1: Is. I think\n\nChannel 0: yep.\n\nChannel 1: it's twenty\n\nChannel 0: Yep.\n\nChannel 1: six weeks now from February through the SenseLink, and then my job does an arrangement. You can do twelve weeks at full pay, or you can take, you know, double that time and half pay.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: I yeah. But I think what we're sort of thinking at this stage is to take that Centrelink payment first, and then we'll probably do the next sort of twenty four weeks or half a day for my wage from work.\n\nChannel 0: Fantastic. Beautiful. That's a good plan.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Income wise, Michael, we had you at 70. Has that changed?\n\nChannel 1: That was right? Your income, it's Yeah. Yeah. That's going up to 100. It's a 100 plus super.\n\nChannel 0: 100 plus super. Beautiful. And,\n\nChannel 1: Yeah.\n\nChannel 0: Megan, we had you at 94.\n\nChannel 1: Yes. It's I think it's around there $94.96 plus super.\n\nChannel 0: Yep. Beautiful. Okay.\n\nChannel 1: Yep.\n\nChannel 0: We had your expenditure per week of $400 each. So 800 between the two of you. Do you think that's still correct?\n\nChannel 1: I think all of our, yeah, expenses are roughly the same Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Except\n\nChannel 0: Just\n\nChannel 1: except for probably the mortgage and everything we pay for you.\n\nChannel 0: yeah.\n\nChannel 1: I suppose\n\nChannel 0: I\n\nChannel 1: if you're a\n\nChannel 0: was gonna\n\nChannel 1: No. That wouldn't be paid for you. Right? I don't know.\n\nChannel 0: say would the does the 800 a week include the mortgage, or is the mortgage separate?\n\nChannel 1: Mortgage separate? Yeah. Mortgage separate.\n\nChannel 0: How much per week do you do on the mortgage or fortnightly, whichever frequency you pay it? Okay. Beautiful. And is that the minimum, or are you paying extra?\n\nChannel 1: That's minimum. No. No. That's\n\nChannel 0: Minimum?\n\nChannel 1: extra. Well Yeah. Yeah. It is extra at the moment. Just with\n\nChannel 0: Okay.\n\nChannel 1: the like, the rates just when we first got our mortgage, the industry was higher. So\n\nChannel 0: Yep.\n\nChannel 1: our minimum premium\n\nChannel 0: Just you've just kept it. Yep. Beautiful. And we had your savings at $200 each week. Would that still be right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. And with the savings, is that going into an offset account, or is it going into a is it going any anywhere in particular? The is it tagged for anything?\n\nChannel 1: So what we do is we have our own separate accounts, and then we put extra money into our offset account. So we put these as soon as we get paid on alternate fortnight. I put in, like, 1,701 fortnight, then puts it in the next fortnight. So we save\n\nChannel 0: Yep.\n\nChannel 1: in that account, and then we do our have our own\n\nChannel 0: Okay.\n\nChannel 1: little savings\n\nChannel 0: Beautiful.\n\nChannel 1: as well. So what's that? It's an extra they keep $800. Yeah. A week offset.\n\nYeah. And then, whatever, like, say $200 if we're in savings for the fortnight.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. You'll be the same.\n\nChannel 0: So\n\nChannel 1: Yep. Yeah.\n\nChannel 0: okay. Fortnight. So 200 each a fortnight personally just saving. Yep. Into the into\n\nChannel 1: In\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: offset.\n\nChannel 1: offset?\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Got that. Beautiful. Either of you do do you both get the standard 12% in super, or do you get more?\n\nChannel 1: I've just selected the 12%. I did have\n\nChannel 0: Mhmm.\n\nChannel 1: the option to do 18, but\n\nChannel 0: Yep.\n\nChannel 1: I just for the meantime, I just selected the 12%. Is\n\nChannel 0: Yep. Okay.\n\nChannel 1: that salary sacrifice? Yeah.\n\nChannel 0: What\n\nChannel 1: I\n\nChannel 0: about\n\nChannel 1: think\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: self, Megan?\n\nChannel 1: I think because of salary, it's 12 something on the top of my head.\n\nChannel 0: Yeah. Do you know what what hospital are you in Queensland Health? Yep. Yeah. Yep.\n\nI can look that up. That's easy. No. That's okay. Then also so asset wise, we have the house at valued at 700,000.\n\nWould that be correct still?\n\nChannel 1: I think the value we're actually\n\nChannel 0: Yep.\n\nChannel 1: better to get an evaluation done hopefully in the next couple weeks. I I generally think it'd be up around the 900.\n\nChannel 0: Yep. Okay. Okay. Beautiful. And I had the I had the debt sitting at 600.\n\nIs\n\nChannel 1: Right\n\nChannel 0: that\n\nChannel 1: now, Brenna. Yeah. The debt we've got is, yeah, about 600. Yes.\n\nChannel 0: right?\n\nChannel 1: Yeah. It's\n\nChannel 0: Beautiful.\n\nChannel 1: something that's I just looked at it before. It's 618,000 is what we owe. Okay. Yep.\n\nChannel 0: Fantastic. And we had two cars. One valued at 15 and one valued at 5. Would that be right?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: And no debt attached to those?\n\nChannel 1: No.\n\nChannel 0: No. Megan, we had a hex debt here of 40. Is that still Okay. Sorry? Oh, yeah.\n\nOf course. Thank you. And I also have a share portfolio noted here with a balance of about 1,000. Is that still current? Yep.\n\nOkay. Did you How much? Sorry?\n\nChannel 1: So 1,400 all up? Yep. Just kinda\n\nChannel 0: In\n\nChannel 1: keeps\n\nChannel 0: the\n\nChannel 1: away\n\nChannel 0: share\n\nChannel 1: as\n\nChannel 0: portfolio.\n\nChannel 1: a.\n\nChannel 0: Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: Alright. Fantastic. Now with your savings each, how much do you have in your savings account if you're comfortable sharing? It's up to\n\nChannel 1: I am sitting at I paid 50, baby. So it's George, but I'm sitting at 13,000.\n\nChannel 0: you. Yep. Beautiful.\n\nChannel 1: I've got 11.\n\nChannel 0: Yep. And how much is in your\n\nChannel 1: 5? 4.\n\nChannel 0: offset? With your savings, are you saving for anything in particular, or is it a rainy day fund or a an emergency fund?\n\nChannel 1: Yeah. It's probably like a baby emergency. And then we also Renovation. She's all yeah. Yeah.\n\nOur offset's primarily for our house,\n\nChannel 0: Yep.\n\nChannel 1: and we do use for a few entrances like the baby and whatnot.\n\nChannel 0: Yep.\n\nChannel 1: But we're hoping to upgrade our vehicle\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Yeah. Of course. Yep. Okay. So you use your savings to buy.\n\nYep.\n\nChannel 1: wanted, like, a deposit. I mean, in the 19 year old, we we we had a car loan, but\n\nChannel 0: Yep.\n\nChannel 1: it's hard to\n\nChannel 0: Yep.\n\nChannel 1: come up with that cash. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: my headset is currently sitting at 26,800.\n\nChannel 0: Okay. 20\n\nChannel 1: Oh.\n\nChannel 0: $6,800. Beautiful. Lovely. Do you know what sort of car you're looking at?\n\nChannel 1: And I do sue\n\nChannel 0: They're amazing. I have one. No. It they're they're a great car, super reliable. Yeah.\n\nFantastic, to be honest with you.\n\nChannel 1: Yes.\n\nChannel 0: I love\n\nChannel 1: Good.\n\nChannel 0: mine.\n\nChannel 1: That's good to know.\n\nChannel 0: Assets and liabilities wise, anything else that you have?\n\nChannel 1: It's gonna a vote now? Yeah.\n\nChannel 0: Yeah. Beautiful. And\n\nChannel 1: I\n\nChannel 0: how much\n\nChannel 1: think\n\nChannel 0: is that?\n\nChannel 1: prop I reckon that would be probably worth around the 6 to seven. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We\n\nChannel 0: Okay.\n\nChannel 1: inherited\n\nChannel 0: Beautiful.\n\nChannel 1: that from our family. But we we don't like we're not in a life stage being able to go out on the phone. Oh, yeah. So So we're gonna get rid of it, I think.\n\nChannel 0: Yeah. Okay. Too easy. Beautiful. Yes?\n\nChannel 1: Yeah. That's what it is. Yeah. I think\n\nChannel 0: Oh, alright. Fantastic.\n\nChannel 1: so.\n\nChannel 0: Now with your health and lifestyle, you're both are you both still nonsmokers?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Do you take any medication or have any significant health issues? No. Do you have private health care?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And who's that with?\n\nChannel 1: We're actually separate.\n\nChannel 0: Yep.\n\nChannel 1: Mine is with HCS.\n\nChannel 0: Yep.\n\nChannel 1: I think it's with CUA. CUA.\n\nChannel 0: C u a. Beautiful. Alright. And do you have wills or power of attorney? No.\n\nOkay. Yes. Yes. Yes. I can talk to you more about that as well and help guide and give you some some pointers if you like.\n\nWhat I'm going to do is your boss will receive I'm just gonna see.\n\nChannel 1: I didn't fill out my what's the The nomination. Yeah. I haven't done my email. You should do that.\n\nChannel 0: No. That's okay. It's on here for me to get those over to you, so that is absolutely fine. Don't stress too much. I am going to when you have a chance, you'll see that in your emails that you will have a annual review document.\n\nSo I'm gonna talk to these a little bit with that. Sorry. One moment. It's the computer is not playing nice with me today. You'll both receive it, and it's gonna have the documents that I'm gonna talk through with you both attached.\n\nThere are some signature pages at the end, but when you click on the link, you won't need to you click sign, and it will open the documents, but you don't actually need to sign anything. We're gonna work walk through them first. And the first document in that pack is what we call our summary of insurances, a summary of superannuation insurances. So it's just gonna give you a very brief overview of the types of cover you have. So, Michael, your super is with hub twenty four where you both are.\n\nYour balance sits at about $127,011,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund. Megan, your sorry. I'm looking skipping pages here. I'm gonna split my screen, actually. Megan, yours\n\nChannel 1: Yep.\n\nChannel 0: is also with Hub twenty four, and your sitting balance is sitting at 47,744. And your cover's with Zurich for life, TPD, and income protection. And, again, they're funded through your hub twenty four member balance. Now, Megan, it's probably gonna be a bit difficult for you to review covers at the moment when your pregnant insurance company is kind of put on hold covers. But it's potentially worth having a conversation and planning with a dependent and on on the way and debt levels and things such as thinking about if something was to happen to either of you, how would you financially survive?\n\nWould would the remaining partner go back to work and the time frame and all these really, really confronting questions.\n\nChannel 1: Yeah.\n\nChannel 0: So it is probably worth having a conversation about insurances and reviewing whether your covers are appropriate for your impending family change shortly. So\n\nChannel 1: Yes.\n\nChannel 0: we can we can do that now, or we can look at it later. Megan, you're insured for about a million dollars, just over a million dollars. Michael, you're insured for about $445,000. So there's definitely a need to look at reviewing these. It it it's really just probably dependent on your time frame and when you wanna do it.\n\nAlright. Sorry? Sorry? Yep. Alright.\n\nBeautiful. I will I'll revert back to that shortly and ask a few more probing questions. So I apologize in advance for that. The next document that you will both see in your pack is a performance report. Michael, I'll start with yours.\n\nOverall, the return sat at about 5.63%, and that's after fees. Within your funds, though, when you open the document, it hasn't performed as much as we would expect a high growth portfolio to perform, and that's mainly due to one of the funds that's held in there. And it's the very first one when you look at the report, Ben along Australian Equities Fund. They unfortunately returned a negative return of 15.94% in the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: The reason being not that the invest the Australian share market is underperforming in any means. It's the investment mandate that Banner Long adheres to. So their mandate is to identify what they feel are underperforming or undervalued sorry, undervalued funds within the Australian share market for growth opportunities. Last twelve months or so, it's been the banks and the big institutions that have performed from\n\nChannel 1: Holy.\n\nChannel 0: a growth perspective. So the the investment mandate, so to speak, have been along. And not that they're a bad investment manager, it just hasn't been hasn't been lucrative in the last twelve months or so. So what I would like to do with your permission, Michael, is look at other options that we could look at to replace Benelon\n\nChannel 1: Yep.\n\nChannel 0: just to to make sure that it's still it's appropriate to meet your goals and objectives, but also, you know, be proactive in our response to that. So, usually, we don't we're not super reactive to negative returns, but systemic ongoing ones, we start to look into a little bit further.\n\nChannel 1: Yeah. Definitely. Well, yeah, if it hasn't\n\nChannel 0: Beautiful.\n\nChannel 1: performed over the last year, we can definitely look\n\nChannel 0: Beautiful.\n\nChannel 1: at\n\nChannel 0: Yep.\n\nChannel 1: it elsewhere.\n\nChannel 0: Fantastic. Beautiful. And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid. Now the Australian banking framework is gonna change in the in the next little bit, actually. January 2027, they're gonna be phasing out the Australian banks will phase out their hybrids.\n\nRather than sit and wait, I would like to take the approach as to\n\nChannel 1: Jump into\n\nChannel 0: seeing\n\nChannel 1: it\n\nChannel 0: if\n\nChannel 1: now.\n\nChannel 0: there's a better yeah. Be a bit more proactive. See if there's a better option. I'm I'm not inclined to sit and wait and see what the replacement option will be offered from the banks.\n\nChannel 1: Yep.\n\nChannel 0: I mean, it's it's still doing a good return. It's still valued well presently. So I'd like to just see what are the implications, if any, of us looking at replacing that also if that's alright with you.\n\nChannel 1: Yeah. We can do that. Definitely.\n\nChannel 0: Fantastic. And with the rest of your portfolio, you've got a pretty good allocation the international equity space at where at the moment we see a fair bit of value because you've got exposure to a lot more larger companies. Within the portfolio, you've got access to some niche markets being global cyber, battery and battery tech and lithium. You've got some\n\nChannel 1: Yep.\n\nChannel 0: gold exposure. So those niche markets, which we call satellite investments, you don't have a significant over you know, you're not significantly over invested in them, but you've got exposure to them. And then you've also\n\nChannel 1: Yes.\n\nChannel 0: got some exposure to China as well, which is a emerging economy as always. So your portfolio, we're pretty happy with as an overall. It's just those two options that we'd like to look at investigating a little bit further.\n\nChannel 1: Yeah. No problem.\n\nChannel 0: Beautiful. Now with yours, Megan, you've got the two funds within yours. Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option. So you've got and I think it probably comes down to balance at the moment. It's you're in the Vanguard diversified growth model and the Vanguard diversified high growth model.\n\nGreat funds.\n\nChannel 1: Yeah.\n\nChannel 0: I like Vanguard. Good old Vanguard. They're fantastic. I just wanted to get a gauge of where you're at with that. I mean, we could probably look at investing you across a a portfolio similar to Michael's, but I do worry if the exposure in some of those are only gonna be, you know, like, a thousand dollars here or there until\n\nChannel 1: Yeah.\n\nChannel 0: your super balance continues a little more. So I really wanted to probably gauge what your thoughts were on that.\n\nChannel 1: Yeah. I I think, like, I think I was quite conservative\n\nChannel 0: Yeah.\n\nChannel 1: in my collections\n\nChannel 0: Yeah.\n\nChannel 1: at the shop\n\nChannel 0: Yep.\n\nChannel 1: just because I'm, like, more of a sort of an anxious person when it comes to money, whereas it makes very much like money comes and goes.\n\nChannel 0: Yep.\n\nChannel 1: So I think yeah. I'm absolutely open to it because I I feel like I have more belief in investing and, like, also just you guys, like, build that sort of trust because you see the change in the balance and everything. So I'm definitely\n\nChannel 0: Yeah.\n\nChannel 1: open to exploring more options and, like, maybe some more Aggressive approach. Yeah. Aggressive approaches.\n\nChannel 0: Beautiful. So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor. So, typically, from the last risk profile, like, that's an eighty twenty split. So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael,\n\nChannel 1: Yep.\n\nChannel 0: you're a high growth, which is a ninety ten split.\n\nChannel 1: Yeah.\n\nChannel 0: So we can definitely look at that as well,\n\nChannel 1: Yep.\n\nChannel 0: Megan. So I'll circle back to that risk profile as well along with the insurance.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Beautiful. I just wanted to understand from your perspective in your own words that how the Vanguard options came about. So that's beautiful.\n\nI understand that. Speaking of Vanguard, the next document in the pack is the Vanguard index chart. We supply this as a nice little visual. It explains well, if you look when you'd have a chance or if you're looking at it now,\n\nChannel 1: Yes.\n\nChannel 0: Megan, I'm not sure, you will you'll see the top four assets. They're your growth assets. So they're the one that I alluded to that it's for Michael, you're invested in 90%\n\nChannel 1: Yep.\n\nChannel 0: of it. Megan, at the moment, you're about 80%, and they're they're your growth assets. So you'll see\n\nChannel 1: Yeah.\n\nChannel 0: that in the chart, they're the ones that experience the most volatility, and you can attribute a lot of the volatility to world events. In a high growth portfolio, we always say you have an investment time frame of at least eight years. So given that you're both Michael, you've got twenty seven years, so you can access super. Megan, you've got thirty three years, so you can access super based on today's legislation\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: super access rules. You have time on your side. So you are able to take that\n\nChannel 1: Yep.\n\nChannel 0: to the\n\nChannel 1: Right\n\nChannel 0: higher\n\nChannel 1: away.\n\nChannel 0: risk. If\n\nChannel 1: Yeah. Right away.\n\nChannel 0: a\n\nChannel 1: It's\n\nChannel 0: 100\n\nChannel 1: Wednesday.\n\nChannel 0: percent.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. If you were five years away, we'd be having a different conversation.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So and then, you know, the Australian bonds and the cash, they're the defensive part of your portfolio. So you will see over the long term, they do experience a little bit of growth as to say, but their job in the portfolio is to really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio. The next order documents are your certificate of currency. So, Michael, at the moment, you're insured for life and TPD of 444,893,\n\nChannel 1: Yep.\n\nChannel 0: and your income protection is $4,423 per month. Now what I'm going to do sorry. Doing a little calculation. Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior?\n\nChannel 1: I I think I'm probably moved up more to, like, 85, yeah, in the last twelve months.\n\nChannel 0: Yeah.\n\nChannel 1: But,\n\nChannel 0: Okay.\n\nChannel 1: yeah, obviously, that hundred's only just started from July.\n\nChannel 0: Yeah. I think what we might do is have a look\n\nChannel 1: So\n\nChannel 0: at I'm just gonna do another quick calculation. $495.08. Yeah. At the moment, I don't think it's worth looking at increasing your income protection. The reason being\n\nChannel 1: Yeah.\n\nChannel 0: and I can put this all in an email for you guys to have a consider. Based on 85, we would book an income protection sum insured increase of $535 a month. We wouldn't be able to increase it to 70% of the 100,000 until you could prove that you were\n\nChannel 1: A\n\nChannel 0: earning\n\nChannel 1: whole\n\nChannel 0: for a whole year. Yeah.\n\nChannel 1: yeah. A whole year. Yeah. Totally\n\nChannel 0: Yep.\n\nChannel 1: understand.\n\nChannel 0: Yep.\n\nChannel 1: So it's it's best\n\nChannel 0: So\n\nChannel 1: off leaving that for now, but potentially increase the life insurance. Yeah?\n\nChannel 0: 100%. I'm gonna make a reminder for July 2026 to touch base about your or twenty seventh. Sorry. Touch base about\n\nChannel 1: Yeah.\n\nChannel 0: your IP. We would the reason why we wouldn't do it now is I mean, we could do it now, but then you're paying for a premium that you're not actually able to claim on. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Exactly.\n\nChannel 0: not\n\nChannel 1: So\n\nChannel 0: it's\n\nChannel 1: what's\n\nChannel 0: not\n\nChannel 1: the point?\n\nChannel 0: of any exactly.\n\nChannel 1: Yeah.\n\nChannel 0: There's no benefit to you whatsoever.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm gonna make a note of that. But with your life and TPD, what I probably wanna understand from the both of you because it's gonna I'd say your answers are gonna be probably somewhat similar. In the event and we'll use yesterday as an example because we know nothing happened, in the event of either of you passing, what is the absolute bare minimum do you want covered? Is it debt? So the house repaid?\n\nChannel 1: Yeah. House paid off. Yeah. No debt.\n\nChannel 0: Yep.\n\nChannel 1: And, obviously well, yeah, little one on the way, probably\n\nChannel 0: Mhmm.\n\nChannel 1: probably some security in that part as well.\n\nChannel 0: Yep. So would you let's say worst case scenario, after time of grieving and getting back on your feet and navigating the new world, Do you think you would both return to work?\n\nChannel 1: I think I'd have to. Yeah. I'd\n\nChannel 0: Yeah.\n\nChannel 1: have to. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well,\n\nChannel 0: Do you\n\nChannel 1: it\n\nChannel 0: yeah.\n\nChannel 1: yeah. It's hard.\n\nChannel 0: It is.\n\nChannel 1: We've been looking\n\nChannel 0: It\n\nChannel 1: looking\n\nChannel 0: is, isn't\n\nChannel 1: at\n\nChannel 0: it?\n\nChannel 1: Yeah. After\n\nChannel 0: So\n\nChannel 1: having it, like yeah. If the kid comes along and, yeah, all of that, then,\n\nChannel 0: mhmm.\n\nChannel 1: yeah, there it Definitely needs family.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. It would probably be probably part time, I would say, if anything.\n\nChannel 0: Exactly. Yeah. Yep. So we've so if the debt was repaid repaid, what do you think taking away any expenses, like education expenses, anything like that, what would you need a week to survive with no debt? So you just have your normal expenses.\n\nWould it can remain 800? What you're doing\n\nChannel 1: I'd probably\n\nChannel 0: spending now?\n\nChannel 1: yeah. I'd probably say more, probably a thousand maybe.\n\nChannel 0: A thousand. Yep.\n\nChannel 1: Oh, yeah. True. I don't I don't I'm\n\nChannel 0: Yep.\n\nChannel 1: thinking, like, $300, so food, meals. Yeah. I like electrical, all that other stuff. So yeah. Yeah.\n\nLeave it at a 100, I would say.\n\nChannel 0: Yep. And do you think you would need childcare?\n\nChannel 1: Yeah. Yeah. Possibly. Yeah. Which\n\nChannel 0: Yep.\n\nChannel 1: what's that? That's\n\nChannel 0: Yep.\n\nChannel 1: $200\n\nChannel 0: That's okay. I've\n\nChannel 1: a day.\n\nChannel 0: got figures that I can I can use for\n\nChannel 1: Probably\n\nChannel 0: that? That's\n\nChannel 1: 10\n\nChannel 0: alright.\n\nChannel 1: percent.\n\nChannel 0: We use\n\nChannel 1: Yeah.\n\nChannel 0: average\n\nChannel 1: Yeah.\n\nChannel 0: figures.\n\nChannel 1: I have\n\nChannel 0: All the things that you you don't think of yet, and then all of a sudden, it's, like, in your face. Okay. And alright. So that's fine. That helps me a little bit.\n\nAnd with education, I guess, hard question to answer unless you guys had a chat about it. Are you thinking private or public education? Mhmm. Yep.\n\nChannel 1: I don't know what they're called specifically.\n\nChannel 0: No. That's okay. That's alright. That gives me something to work with definitely\n\nChannel 1: Yeah.\n\nChannel 0: for the both of you. Is there anything else that you think that you would want covered in the events financially that you would need? Because you also have super balances as well. So we'd work that out backwards as to what the need of income is.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, sorry. The life insurance would be. So I'll\n\nChannel 1: Yeah.\n\nChannel 0: work that backwards. Anything\n\nChannel 1: Yeah.\n\nChannel 0: else that you can that you feel I may have missed?\n\nChannel 1: Not that I can think of. To be honest, maybe I don't know if we'd go back to work straight away. So having\n\nChannel 0: No.\n\nChannel 1: that\n\nChannel 0: No.\n\nChannel 1: Yeah. It would\n\nChannel 0: Yeah.\n\nChannel 1: be, like, a good year or so of probably well,\n\nChannel 0: Yep.\n\nChannel 1: for myself,\n\nChannel 0: Yep.\n\nChannel 1: that's what I probably\n\nChannel 0: Yes. Yeah.\n\nChannel 1: would\n\nChannel 0: No. I\n\nChannel 1: expect.\n\nChannel 0: I I always allow\n\nChannel 1: I can't\n\nChannel 0: for\n\nChannel 1: believe\n\nChannel 0: that in\n\nChannel 1: that.\n\nChannel 0: my calculations because\n\nChannel 1: Yeah.\n\nChannel 0: you can't\n\nChannel 1: Yeah.\n\nChannel 0: it's it's not possible. It's\n\nChannel 1: Yeah.\n\nChannel 0: and it's not realistic. With the TPD cover, what we look at is typically the things that we've spoken about, but also out of pocket medic well, not out of pocket medical expenses. It's ongoing care. So I might I'd look at those levels of cover that we've talked about for life and look at the TPD ongoing care\n\nChannel 1: Yeah.\n\nChannel 0: and have a look at that to see what what kind of figures we're looking at needing.\n\nChannel 1: Yep.\n\nChannel 0: With the income protection, we're gonna wait for you, Michael. Unfortunately, Megan, we\n\nChannel 1: Yep. Yes.\n\nChannel 0: can't do much for you at the moment either. But what I do wanna do is just check your income because I think yours might be pretty spot on, actually. Yeah. Yours is perfect. No.\n\nWithout a word of a lie to the dollar. So your income protection is absolutely perfect at the moment. What what we can do is I'm just gonna do a little bit of investigating on that and see how that works while you're on maternity leave. So I'm gonna come back to you on that. The next document in the pack is our financial services guide.\n\nSo that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process. So that's available in your pack and also on the website. Any questions so far? No? Beautiful.\n\nThe next document is consent to new ongoing service or the ongo the ongoing fee arrangement. So what it is is based on a percent fee of 1.1% of your balances. So I will break that down monthly. So, Michael, for yourself, that is $1,397.12, which is a click equates to a $116.43 a month for yourself, which is funded from Hub twenty four. And,\n\nChannel 1: Yep.\n\nChannel 0: Megan, yours is $525.18, and that's $43.77 a month. And that's funded from your Hub twenty four account. So what that does is that allows us to remain your advisers. That's\n\nChannel 1: Yep.\n\nChannel 0: our fee. And you're not limited to, you know, one review a year. If there's something that changes within your circumstances and you need advice, you just pick up the phone, reach out. Questions, you know, we're here to help.\n\nChannel 1: Yeah. Has\n\nChannel 0: So\n\nChannel 1: that\n\nChannel 0: that's what\n\nChannel 1: fee has that fee going up?\n\nChannel 0: no. So it's 1.1%. It's based on 1.1%. So it would have gone up a little bit based on the increase in your balance, but it will be fixed for the next twelve months. So it's based it's calculated on 1.1, but then fixed and then divided\n\nChannel 1: Yeah.\n\nChannel 0: by fixed at a dollar fee. So it used to be that it would be it would fluctuate each month based on the account balance.\n\nChannel 1: Yeah.\n\nChannel 0: So if, for example, there was a really good month, you know, that 1.1% would be higher because of the growth on the portfolio. Now we're\n\nChannel 1: Yep.\n\nChannel 0: fixing it for transparency. We\n\nChannel 1: Okay.\n\nChannel 0: have\n\nChannel 1: You fixed it in. Okay.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: on file. The\n\nChannel 1: Yep. No. That's all good.\n\nChannel 0: purpose we have it on file is we have that on file. The purpose we have it on file is because when we opened your super funds, you know, we had to provide that to hub twenty four to make sure you didn't get taxed too much. This is just due to privacy, etcetera, that you're acknowledging that, you know, we hold it on file for you and\n\nChannel 1: Yes.\n\nChannel 0: that you're comfortable in doing so. So those two documents are the only ones that we do require your signature on from the pack. So when and if you're comfortable to sign those, I'd ask you to do that. And we then I can I can still start working on all the other stuff I'm gonna start working on in the meantime?\n\nChannel 1: Yep.\n\nChannel 0: But I'm going to jump into a risk profile questionnaire very quickly. No right or wrong answers in this. And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned.\n\nChannel 1: Yep.\n\nChannel 0: So for the both of you, what is the most aggressive investment you've ever made? Shares? I know, Megan, you've made shares. Michael, what about yourself? What would it be managed funds or shares?\n\nChannel 1: No. I haven't really done any of that.\n\nChannel 0: No? Okay. So your super fund holds managed funds in there. So are you comfortable with me putting managed funds down?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Because you have yeah. No worries. Alright.\n\nFor both of you, once an investment's been placed, how long would you need it before you can access capital? So that's for the both of you, longer than ten years given that it's your super. Yep. Yep. Yeah.\n\nBeautiful. The next question, is inflation means that things are getting more expensive over time and making our current dollar worth less for the future? How much risk are you willing to take to keep up with inflation rises? Number one would be accepting a very high risk. Number two would be just a risk.\n\nNumber three would be moderate risk. Four is a small amount to keep up with inflation, or number five, you're unwilling to take any risks.\n\nChannel 1: I'd probably end some moderate risk myself. I don't know about\n\nChannel 0: Yep.\n\nChannel 1: me. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Probably just do a risk.\n\nChannel 0: Yep. Beautiful. Alright. In the how would you feel if six months after investing, you found that your portfolio decreased by 20% due to the just the general trends in the market? So if you think back to that Vanguard chart, that\n\nChannel 1: Yeah.\n\nChannel 0: that's just how a general trend. So would you be investing heavily for growth, investing modestly for growth? Would you hold and wait to see improvement? Would you shift to secure assets, or would you convert to cash?\n\nChannel 1: What was the first two options? Sorry.\n\nChannel 0: Invest heavily for growth or invest modestly for growth?\n\nChannel 1: Maybe moderately. Yeah. I would say moderately.\n\nChannel 0: Yep. Yep. Beautiful. You both have the right head the right way of thinking. When a market's so low, my first inclination is to put money in.\n\nChannel 1: Yes.\n\nChannel 0: So you think thinking the right way. That's great. So what kind of return do you expect to get from your investments over term over long term? 8% or above, six to 8%, four to 6%, two to 4%, or zero to 2%?\n\nChannel 1: Probably six six to eight. Okay. In an\n\nChannel 0: Yep.\n\nChannel 1: ideal world, the higher,\n\nChannel 0: Yep. So both\n\nChannel 1: the\n\nChannel 0: six to eight.\n\nChannel 1: better. Yeah.\n\nChannel 0: Okay. Have your investments, including your superation, ever dropped in value? And if so, how did it make you feel? Optimistic about future investments? Cautious with no further investment plans?\n\nConcerned? Or highly anxious?\n\nChannel 1: I think I tend to sort of just be like, oh, it's because I'm young, I suppose, I\n\nChannel 0: Yep.\n\nChannel 1: think, like, oh, it's, like, it's just a little drop. It'll go back up sort of thing. Like, it happens.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So optimistic about the future.\n\nChannel 1: Yeah. Yep. I would\n\nChannel 0: Yeah.\n\nChannel 1: say.\n\nChannel 0: Beautiful. And have you ever thought about taking out a loan to invest? So that could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home.\n\nChannel 1: I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't think. But\n\nChannel 0: Yep.\n\nChannel 1: the I don't\n\nChannel 0: Beautiful.\n\nChannel 1: know. I'm not sure. What about you?\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We'll do. It'd be the same. It'd be for property, probably not for shares. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Haven't\n\nChannel 0: Nope.\n\nChannel 1: even\n\nChannel 0: That\n\nChannel 1: I to\n\nChannel 0: helps.\n\nChannel 1: be honest, I didn't I haven't even thought about that. Yeah. Yeah.\n\nChannel 0: Nope.\n\nChannel 1: Neither have\n\nChannel 0: That's\n\nChannel 1: I.\n\nChannel 0: it just helps us gauge your tolerance to risk. Like, it's not a perfect tool. It just helps\n\nChannel 1: Yeah.\n\nChannel 0: us you have a little bit of an understanding of your tolerance. That's all that this is designed to do. So\n\nChannel 1: Yeah.\n\nChannel 0: you both actually came out as growth investors,\n\nChannel 1: Mhmm.\n\nChannel 0: which is the 20%. So you also came out gross last time, Michael, but you opted to go for a high gross investment.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I think probably\n\nChannel 1: Stay stay at that.\n\nChannel 0: it's as long as you're comfortable with that, is there any have you had any significant concerns? Have you been, you know, logging in constantly and stressing about any market trends or fluctuations that you've experienced?\n\nChannel 1: Oh, no. I haven't I haven't looked at, like, the the portfolio, like, crazy.\n\nChannel 0: Mhmm.\n\nChannel 1: Like, I don't log in all the time and, like, oh, no. Why am I losing money? But that like, I do log in every now and then, every couple of months, and, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: you see the ups and downs, but it's yeah. It's a part of it, isn't it? Yeah.\n\nChannel 0: It is. And\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: think\n\nChannel 0: comfortable\n\nChannel 1: I think\n\nChannel 0: with it?\n\nChannel 1: Yeah. I think for the most part, I\n\nChannel 0: Yep.\n\nChannel 1: feel pretty positive about it all. Like As you as we said, we're young. The only thing I'm worried about is if we go to war and then we lose it all,\n\nChannel 0: Mhmm.\n\nChannel 1: which\n\nChannel 0: Well, you've you've got some\n\nChannel 1: fingers crossed.\n\nChannel 0: good exposure in your portfolio for those types of events. Believe\n\nChannel 1: Yeah.\n\nChannel 0: it or not, those types of events usually depending, it can generate a lot of growth, typically, if we look back at the at markets.\n\nChannel 1: Yeah.\n\nChannel 0: So, yeah, it's it's there's always a risk. It's just being I for me, it's the passing the sleep at night test. So if you're sleeping at night and you're not concerned about your superannuation and your balance, then I think a high growth portfolio would be appropriate\n\nChannel 1: Yeah.\n\nChannel 0: to maintain\n\nChannel 1: Yeah. I\n\nChannel 0: For\n\nChannel 1: think we\n\nChannel 0: yourself\n\nChannel 1: leave it.\n\nChannel 0: yeah. For yourself,\n\nChannel 1: Yep.\n\nChannel 0: Megan, that would mean if you wanted to go similar to Michael with a ninety ten split, that means we'd be we'd essentially be increasing approximately an extra 10% of your assets into those top four on the Vanguard chart, so your gross assets. So it would\n\nChannel 1: Yeah.\n\nChannel 0: be, again, for you, the sleep at night test. Is it something that you'd be comfortable with\n\nChannel 1: Yeah.\n\nChannel 0: knowing that long term as you said, using your words, you have time to ride the wave? It's it's more about your comfort.\n\nChannel 1: Yeah. Yeah. I think at this juncture, I'm certainly, like, feel comfortable about that. Like, as you said, riding the wave again. Like, I\n\nChannel 0: Yeah.\n\nChannel 1: think we've got time to ride the wave. We've got time on our side. So I\n\nChannel 0: Mhmm.\n\nChannel 1: I think for now, certainly, I would feel comfortable, you know, maybe in ten years, maybe not.\n\nChannel 0: And that's what these reviews are for. So we touch base quite regularly. Well, at least annually at an absolute bare minimum to make sure that anything any significant changes haven't occurred. So we would always be looking at those things. So for example, you know, later this week, I have a lot I'd I've barely fair few other reviews that I'll be having conversations about potentially decreasing the allocation to growth assets based on their proximity to needing to access super.\n\nSo it goes there's a there's a number of factors that go into it, and we always stay on top of it and work together.\n\nChannel 1: Mhmm. Yeah. Easy.\n\nChannel 0: Alright. So those I'm gonna I've got some homework to do myself. But before anything else, I'm gonna ask a few more questions. Your beneficiary forms, we're gonna get those sent out to you again to get them signed\n\nChannel 1: Mhmm.\n\nChannel 0: and get back to us because at the moment, you've got no beneficiaries. So what that means look. You\n\nChannel 1: It\n\nChannel 0: were\n\nChannel 1: will\n\nChannel 0: married.\n\nChannel 1: be a not\n\nChannel 0: The\n\nChannel 1: it'll be\n\nChannel 0: Well,\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: nightmare to get all of it. Yeah.\n\nChannel 0: It won't be a nightmare because the trustees will say that you're married and you're each other's financially dependent spouse, etcetera. But it would take not longer than normal, which is in\n\nChannel 1: Yeah.\n\nChannel 0: a situation like that, we don't want that to happen. So that's where that beneficiary form comes in handy. So I'll be making there's two types of beneficiary nominations you can choose. There's a binding or a binding. The difference is the only difference is is that one lapses and one doesn't.\n\nThey're both found the trustees found by both forms. The non lapsing will only ever be updated when you lodge a new form. The binding one means you need to update it every three years. So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant?\n\nChannel 1: I think we'll just what? Do a binding? Yeah. Yeah. If we ever need to change it, we can do so.\n\nWe can always call up and change. Yeah.\n\nChannel 0: Yeah. Exactly. So non lapsing?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Fantastic. Couple of other quick questions before I sign off. Any are you happy with your annual review frequency, or would you like them more frequent?\n\nChannel 1: No. I'm happy with annual. With with the with the reviews of the super going up and down,\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: do you reckon it's worth reviewing a little bit more frequently to see what comes and what goes and if it's doing well or if it's not like, because we're both aggressive now, should we\n\nChannel 0: Mhmm.\n\nChannel 1: have more reviews to so if things aren't working as well as what we want, we change them?\n\nChannel 0: Not necessarily because we wouldn't be we're gonna be meeting annually anyway. And anything that is significant,\n\nChannel 1: Not performing?\n\nChannel 0: we're gonna reach out, but we wouldn't necessarily change something reactively if something wasn't performing. So if it was short term, if there was a big event occurring that we felt needed some rather urgent advice to clients, we\n\nChannel 1: You'd\n\nChannel 0: would do\n\nChannel 1: call.\n\nChannel 0: that.\n\nChannel 1: Okay.\n\nChannel 0: We would do that exactly.\n\nChannel 1: Yep.\n\nChannel 0: But because the the philosophy of the let's let's call it the philosophy of the high growth is not a set and forget, but you're in it for the long run. So if something is underperforming, so the Benelon in your portfolio, Michael, for example, we've let that sit for a while because we're not gonna react to market conditions or changes.\n\nChannel 1: Yeah.\n\nChannel 0: We're gonna see what the systemic outcome of it is and see if it is something\n\nChannel 1: Okay.\n\nChannel 0: long term. So,\n\nChannel 1: Yeah.\n\nChannel 0: I mean, if there was anything in your portfolio that you were con you were concerned about, just reach out, and we\n\nChannel 1: Yep.\n\nChannel 0: would talk about that anyway.\n\nChannel 1: A z.\n\nChannel 0: Yeah. So the only other ops with looping back to insurance quickly, there's a type of policy called trauma insurance. It's a it's a, basically, it's a gap of a policy that that fills the gap basically for income protection and TPD where if you're diagnosed with a critical illness, and they they range from cancer, stroke, heart attack to some neurological diseases that you're paid a lump sum benefit, but it is funded by your personal cash flow. Typically, the levels of cover are of cover are recommended to replace out of pocket health expenses or ongoing costs, for example, and a a recuperation period because, typically, what we find is these illnesses aren't necessarily terminal. You're gonna go back to work at some point, and it might be that there's just some funds available to make a repayment on debt or allow you a bit of time to recover and so on.\n\nSo that's the other policy that's available within the risk protection portfolio. And I just wanted to see what your thoughts were on that, whether you wanted to look at including that in the review when we're going to be looking at your life and TPD cover.\n\nChannel 1: I think I think I'm good. Yeah. I think we're I think given our age and health status, I think maybe we leave it for now.\n\nChannel 0: Nope. That's absolutely fine. And your debt you're managing, you don't you're quite happy to to you know, do would you like any advice to pay that down quicker or within a certain time frame?\n\nChannel 1: Well, we're actually probably looking to, unfortunately, increase increase our mortgage because we're gonna be doing an extension on our home.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, we're probably looking the opposite way at this stage. And then, hopefully, once I'm back at work and stuff, we can set it up to try and pay down quicker.\n\nChannel 0: Yeah. Yeah. You guys have plenty of time on your side, so no no\n\nChannel 1: Yes.\n\nChannel 0: worries there. We can always keep it on the back burner. And last thing I will bring up, something for you both to consider is when Bob is born, if you wanted to look at some sort of what we call an investment bond for kids where you can add a little amount monthly, fortnightly, weekly, whatever you like to grow a little nest egg for them, and it's it's it's doesn't form part of your taxable income or growth or anything like that. After ten years, it's tax free, so it's a nice little nest egg for kitties. Once they reach a certain age, you have full power over when they actually get\n\nChannel 1: Yep.\n\nChannel 0: access to it, and you can change it depending on, you know, what they're like as they get older. So if that's something you wanted to look at down the track, we can probably pencil that in to have a chat about that next year if you like.\n\nChannel 1: Yeah. That would be perfect. Yeah. That that'd be good.\n\nChannel 0: Yeah? Alright.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do you have any questions for me today?\n\nChannel 1: I don't think so. I don't have any. I'm good. Yep.\n\nChannel 0: No? Okay. So what I'm gonna do is I'm gonna go away and do my homework. And what following this, what you can expect from here is that I will probably reach out to you in about two weeks or so, or our team will reach out just to book in another time to go over the advice, so the changes. So some of them being the investments in your super, the changes to the life and TPD insurance.\n\nAnd I'm just thinking that's probably it, really. They're\n\nChannel 1: Yeah.\n\nChannel 0: the bits\n\nChannel 1: Yep.\n\nChannel 0: of advice that I'm gonna be looking at. And, also, finally, would you like me to send you through a brochure for our professional partners that provide wills and power of attorney advice?\n\nChannel 1: Yep. Yeah. That might be good. That would be good.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It's it's quite reasonable, to be honest with you. I've seen quite a few lawyers in my time and the cost of them. So these ones, I was actually quite surprised about the cost and how reasonable it is. And if you would like to after you've had a read of it, if you want an introduction, just shoot me an email back, and I'll arrange that.\n\nBut, yeah, something that you've probably both, you know, giving you're gonna need to consider things like guardianship and all those awful\n\nChannel 1: Yep.\n\nChannel 0: things that you need to have a chat about,\n\nChannel 1: Yep.\n\nChannel 0: which isn't nice.\n\nChannel 1: No.\n\nChannel 0: It's\n\nChannel 1: But\n\nChannel 0: not\n\nChannel 1: it's necessary.\n\nChannel 0: yeah. Not yeah. Yeah. Exactly. And like all things in life, anything that's necessary is not generally nice to have a chat about, is it?\n\nChannel 1: Yep.\n\nChannel 0: Alright. Beautiful. Well, I will get that sent off to you. And in the meantime, if you have any questions, please reach out. But we'll be in contact in about two to three weeks because it just takes that amount of time to get the the research together and make sure that we're doing the right thing.\n\nChannel 1: Yeah. Awesome. No problem. Thank you.\n\nChannel 0: Beautiful. No. Thank you. And have a great day, and I'll speak to you both soon.\n\nChannel 1: Alright. No problem. Thanks for your time.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.24,"end":2.56,"sentiment":"neutral","sentiment_score":0.03444068878889084},{"text":"It's Mark speaking.","start":2.56,"end":3.54,"sentiment":"neutral","sentiment_score":0.02639791617790858}],"sentiment":"neutral","sentiment_score":0.028408609330654144,"channel":1,"num_words":4,"start":2.24,"end":3.54},{"sentences":[{"text":"Hi, Michael.","start":5.04,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.11676620692014694},{"text":"This is Jennifer from Oakview Financial.","start":5.8399997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.12476204087336858},{"text":"How are you today?","start":7.9199996,"end":8.9,"sentiment":"neutral","sentiment_score":0.16506028547883034}],"sentiment":"neutral","sentiment_score":0.13686215008298555,"channel":0,"num_words":12,"start":5.04,"end":8.9},{"sentences":[{"text":"Very good.","start":9.44,"end":10.0,"sentiment":"positive","sentiment_score":0.5926434099674225},{"text":"Thank you.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.5523324310779572},{"text":"Yourself?","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.2614140212535858}],"sentiment":"positive","sentiment_score":0.510273140668869,"channel":1,"num_words":5,"start":9.44,"end":10.98},{"sentences":[{"text":"I'm well.","start":11.599999,"end":12.32,"sentiment":"neutral","sentiment_score":0.2766997963190079},{"text":"Thank you.","start":12.32,"end":12.88,"sentiment":"positive","sentiment_score":0.5089409351348877},{"text":"I'm well.","start":12.88,"end":13.36,"sentiment":"neutral","sentiment_score":0.2750951796770096},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and 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$127,011,","start":1086.91,"end":1092.025,"sentiment":"neutral","sentiment_score":0.11511230717102687}],"sentiment":"neutral","sentiment_score":0.11511230717102687,"channel":0,"num_words":6,"start":1086.91,"end":1092.025},{"sentences":[{"text":"Yep.","start":1091.9,"end":1092.4,"sentiment":"neutral","sentiment_score":0.0924202799797058},{"text":"Yep.","start":1092.54,"end":1093.04,"sentiment":"neutral","sentiment_score":0.11792021989822388}],"sentiment":"neutral","sentiment_score":0.10517024993896484,"channel":1,"num_words":2,"start":1091.9,"end":1093.04},{"sentences":[{"text":"and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund.","start":1092.645,"end":1100.265,"sentiment":"neutral","sentiment_score":0.1044305231422186},{"text":"Megan, your sorry.","start":1102.72,"end":1105.46,"sentiment":"neutral","sentiment_score":-0.02770339573423068},{"text":"I'm looking skipping pages here.","start":1105.52,"end":1108.08,"sentiment":"neutral","sentiment_score":-0.15747952759265899},{"text":"I'm gonna split my screen, actually.","start":1108.08,"end":1110.02,"sentiment":"neutral","sentiment_score":-0.04894827771931887},{"text":"Megan, yours","start":1111.04,"end":1112.24,"sentiment":"neutral","sentiment_score":0.05158518627285957}],"sentiment":"neutral","sentiment_score":0.02854398177522752,"channel":0,"num_words":36,"start":1092.645,"end":1112.24},{"sentences":[{"text":"Yep.","start":1112.135,"end":1112.635,"sentiment":"neutral","sentiment_score":0.06078237295150757}],"sentiment":"neutral","sentiment_score":0.06078237295150757,"channel":1,"num_words":1,"start":1112.135,"end":1112.635},{"sentences":[{"text":"is also with Hub twenty four, and your sitting balance is sitting at 47,744.","start":1112.24,"end":1118.6151,"sentiment":"neutral","sentiment_score":0.06805764245135444},{"text":"And your cover's with Zurich for life, TPD, and income protection.","start":1118.755,"end":1123.015,"sentiment":"neutral","sentiment_score":0.06124794754115018},{"text":"And, again, they're funded through your hub twenty four member balance.","start":1123.635,"end":1127.3351,"sentiment":"neutral","sentiment_score":0.055770759894089264},{"text":"Now, Megan, it's probably gonna be a bit difficult for you to review covers at the moment when your pregnant insurance company is kind of put on hold covers.","start":1127.67,"end":1141.37,"sentiment":"negative","sentiment_score":-0.3629500701509673},{"text":"But it's potentially worth having a conversation and planning with a dependent and on on the way and debt levels and things such as thinking about if something was to happen to either of you, how would you financially survive?","start":1142.4551,"end":1162.24,"sentiment":"neutral","sentiment_score":-0.17037836275994778}],"sentiment":"neutral","sentiment_score":-0.14381594065399397,"channel":0,"num_words":105,"start":1112.24,"end":1162.24},{"sentences":[{"text":"Would would the remaining partner go back to work and the time frame and all these really, really confronting questions.","start":1162.38,"end":1168.88,"sentiment":"neutral","sentiment_score":-0.2571283929049969}],"sentiment":"neutral","sentiment_score":-0.2571283929049969,"channel":0,"num_words":20,"start":1162.38,"end":1168.88},{"sentences":[{"text":"Yeah.","start":1169.73,"end":1170.23,"sentiment":"neutral","sentiment_score":0.1228850707411766}],"sentiment":"neutral","sentiment_score":0.1228850707411766,"channel":1,"num_words":1,"start":1169.73,"end":1170.23},{"sentences":[{"text":"So it is probably worth having a conversation about insurances and reviewing whether your covers are appropriate for your impending family change shortly.","start":1170.915,"end":1187.45,"sentiment":"neutral","sentiment_score":0.21215869162393652},{"text":"So","start":1188.47,"end":1188.71,"sentiment":"neutral","sentiment_score":0.16784562170505524}],"sentiment":"neutral","sentiment_score":0.21031231371064982,"channel":0,"num_words":24,"start":1170.915,"end":1188.71},{"sentences":[{"text":"Yes.","start":1188.475,"end":1188.975,"sentiment":"neutral","sentiment_score":0.05322561785578728}],"sentiment":"neutral","sentiment_score":0.05322561785578728,"channel":1,"num_words":1,"start":1188.475,"end":1188.975},{"sentences":[{"text":"we can we can do that now, or we can look at it later.","start":1188.71,"end":1192.41,"sentiment":"neutral","sentiment_score":0.01828397318188633},{"text":"Megan, you're insured for about a million dollars, just over a million dollars.","start":1192.63,"end":1197.61,"sentiment":"neutral","sentiment_score":0.006545538118538948},{"text":"Michael, you're insured for about $445,000.","start":1198.23,"end":1202.5751,"sentiment":"neutral","sentiment_score":-0.001979695225600153},{"text":"So there's definitely a need to look at reviewing these.","start":1203.675,"end":1208.7351,"sentiment":"neutral","sentiment_score":-0.12751472145318984},{"text":"It it it's really just probably dependent on your time frame and when you wanna do it.","start":1209.915,"end":1214.5901,"sentiment":"neutral","sentiment_score":-0.13511665603693793}],"sentiment":"neutral","sentiment_score":-0.05404901530710049,"channel":0,"num_words":60,"start":1188.71,"end":1214.5901},{"sentences":[{"text":"Alright.","start":1220.7301,"end":1221.2301,"sentiment":"neutral","sentiment_score":-0.018485842272639275},{"text":"Sorry?","start":1224.5701,"end":1224.915,"sentiment":"neutral","sentiment_score":-0.06920863687992096},{"text":"Sorry?","start":1224.995,"end":1225.495,"sentiment":"neutral","sentiment_score":-0.05917520076036453},{"text":"Yep.","start":1228.915,"end":1229.395,"sentiment":"neutral","sentiment_score":-0.00882526021450758},{"text":"Alright.","start":1229.395,"end":1229.7151,"sentiment":"neutral","sentiment_score":0.24280397593975067}],"sentiment":"neutral","sentiment_score":0.017421807162463665,"channel":0,"num_words":5,"start":1220.7301,"end":1229.7151},{"sentences":[{"text":"Beautiful.","start":1229.7151,"end":1230.2151,"sentiment":"positive","sentiment_score":0.5757421255111694},{"text":"I will I'll revert back to that shortly and ask a few more probing questions.","start":1230.275,"end":1234.995,"sentiment":"neutral","sentiment_score":0.13389738177259763},{"text":"So I apologize in advance for that.","start":1234.995,"end":1236.93,"sentiment":"neutral","sentiment_score":-0.152377510709422},{"text":"The next document that you will both see in your pack is a performance report.","start":1239.7301,"end":1244.2301,"sentiment":"neutral","sentiment_score":0.02792606974641482},{"text":"Michael, I'll start with yours.","start":1244.6901,"end":1246.31,"sentiment":"neutral","sentiment_score":0.02052636332809925}],"sentiment":"neutral","sentiment_score":0.04742053813885811,"channel":0,"num_words":43,"start":1229.7151,"end":1246.31},{"sentences":[{"text":"Overall, the return sat at about 5.63%, and that's after fees.","start":1247.17,"end":1252.9349,"sentiment":"neutral","sentiment_score":0.005844266069206325},{"text":"Within your funds, though, when you open the document, it hasn't performed as much as we would expect a high growth portfolio to perform, and that's mainly due to one of the funds that's held in there.","start":1254.5149,"end":1265.6349,"sentiment":"neutral","sentiment_score":-0.14824301648784327},{"text":"And it's the very first one when you look at the report, Ben along Australian Equities Fund.","start":1265.6349,"end":1270.17,"sentiment":"neutral","sentiment_score":-0.05365117858437931},{"text":"They unfortunately returned a negative return of 15.94% in the last twelve months.","start":1271.27,"end":1277.13,"sentiment":"negative","sentiment_score":-0.5959485104450812}],"sentiment":"neutral","sentiment_score":-0.1805141712180697,"channel":0,"num_words":78,"start":1247.17,"end":1277.13},{"sentences":[{"text":"Yep.","start":1277.695,"end":1278.195,"sentiment":"neutral","sentiment_score":-0.19683419167995453}],"sentiment":"neutral","sentiment_score":-0.19683419167995453,"channel":1,"num_words":1,"start":1277.695,"end":1278.195},{"sentences":[{"text":"The reason being not that the invest the Australian share market is underperforming in any means.","start":1278.905,"end":1285.645,"sentiment":"negative","sentiment_score":-0.4126322250813246},{"text":"It's the investment mandate that Banner Long adheres to.","start":1286.025,"end":1289.065,"sentiment":"neutral","sentiment_score":-0.20194816258218554},{"text":"So their mandate is to identify what they feel are underperforming or undervalued sorry, undervalued funds within the Australian share market for growth opportunities.","start":1289.065,"end":1301.34,"sentiment":"neutral","sentiment_score":-0.2571124564856291},{"text":"Last twelve months or so, it's been the banks and the big institutions that have performed from","start":1302.28,"end":1309.0751,"sentiment":"neutral","sentiment_score":-0.1810364206047619}],"sentiment":"neutral","sentiment_score":-0.26769647227995325,"channel":0,"num_words":66,"start":1278.905,"end":1309.0751},{"sentences":[{"text":"Holy.","start":1308.955,"end":1309.455,"sentiment":"neutral","sentiment_score":-0.1563374400138855}],"sentiment":"neutral","sentiment_score":-0.1563374400138855,"channel":1,"num_words":1,"start":1308.955,"end":1309.455},{"sentences":[{"text":"a growth perspective.","start":1309.0751,"end":1309.9751,"sentiment":"neutral","sentiment_score":-0.16002974410851797},{"text":"So the the investment mandate, so to speak, have been along.","start":1311.795,"end":1315.555,"sentiment":"neutral","sentiment_score":-0.16537519476630472},{"text":"And not that they're a bad investment manager, it just hasn't been hasn't been lucrative in the last twelve months or so.","start":1315.555,"end":1323.98,"sentiment":"neutral","sentiment_score":-0.317136097360741},{"text":"So what I would like to do with your permission, Michael, is look at other options that we could look at to replace Benelon","start":1323.98,"end":1331.2001,"sentiment":"neutral","sentiment_score":-0.0007417422408858935}],"sentiment":"neutral","sentiment_score":-0.15490020550787448,"channel":0,"num_words":60,"start":1309.0751,"end":1331.2001},{"sentences":[{"text":"Yep.","start":1333.3151,"end":1333.8151,"sentiment":"neutral","sentiment_score":-0.0034956708550453186}],"sentiment":"neutral","sentiment_score":-0.0034956708550453186,"channel":1,"num_words":1,"start":1333.3151,"end":1333.8151},{"sentences":[{"text":"just to to make sure that it's still it's appropriate to meet your goals and objectives, but also, you know, be proactive in our response to that.","start":1333.4049,"end":1344.83,"sentiment":"neutral","sentiment_score":0.12237896908212591},{"text":"So, usually, we don't we're not super reactive to negative returns, but systemic ongoing ones, we start to look into a little bit further.","start":1345.21,"end":1354.75,"sentiment":"neutral","sentiment_score":-0.043995593286429845}],"sentiment":"neutral","sentiment_score":0.04408505737927614,"channel":0,"num_words":51,"start":1333.4049,"end":1354.75},{"sentences":[{"text":"Yeah.","start":1355.105,"end":1355.4249,"sentiment":"neutral","sentiment_score":0.09367415308952332},{"text":"Definitely.","start":1355.4249,"end":1355.9249,"sentiment":"neutral","sentiment_score":0.21058011054992676},{"text":"Well, yeah, if it hasn't","start":1355.985,"end":1356.945,"sentiment":"neutral","sentiment_score":0.24032807648181914}],"sentiment":"neutral","sentiment_score":0.2151278065783637,"channel":1,"num_words":7,"start":1355.105,"end":1356.945},{"sentences":[{"text":"Beautiful.","start":1356.8099,"end":1357.305,"sentiment":"neutral","sentiment_score":0.24092760682106015}],"sentiment":"neutral","sentiment_score":0.24092760682106015,"channel":0,"num_words":1,"start":1356.8099,"end":1357.305},{"sentences":[{"text":"performed over the last year, we can definitely look","start":1356.945,"end":1359.4249,"sentiment":"positive","sentiment_score":0.33673779169718426}],"sentiment":"positive","sentiment_score":0.33673779169718426,"channel":1,"num_words":9,"start":1356.945,"end":1359.4249},{"sentences":[{"text":"Beautiful.","start":1359.2251,"end":1359.7251,"sentiment":"positive","sentiment_score":0.37360817193984985}],"sentiment":"positive","sentiment_score":0.37360817193984985,"channel":0,"num_words":1,"start":1359.2251,"end":1359.7251},{"sentences":[{"text":"at","start":1359.4249,"end":1359.9249,"sentiment":"neutral","sentiment_score":0.22801773250102997}],"sentiment":"neutral","sentiment_score":0.22801773250102997,"channel":1,"num_words":1,"start":1359.4249,"end":1359.9249},{"sentences":[{"text":"Yep.","start":1359.8651,"end":1360.3651,"sentiment":"neutral","sentiment_score":0.18327026069164276}],"sentiment":"neutral","sentiment_score":0.18327026069164276,"channel":0,"num_words":1,"start":1359.8651,"end":1360.3651},{"sentences":[{"text":"it elsewhere.","start":1360.3049,"end":1360.8849,"sentiment":"neutral","sentiment_score":0.20549705624580383}],"sentiment":"neutral","sentiment_score":0.20549705624580383,"channel":1,"num_words":2,"start":1360.3049,"end":1360.8849},{"sentences":[{"text":"Fantastic.","start":1360.8251,"end":1361.3251,"sentiment":"positive","sentiment_score":0.6978694200515747},{"text":"Beautiful.","start":1362.025,"end":1362.525,"sentiment":"positive","sentiment_score":0.6190919876098633},{"text":"And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid.","start":1363.385,"end":1370.3651,"sentiment":"neutral","sentiment_score":0.08392713356901098},{"text":"Now the Australian banking framework is gonna change in the in the next little bit, actually.","start":1370.905,"end":1379.58,"sentiment":"neutral","sentiment_score":0.015255393227562308},{"text":"January 2027, they're gonna be phasing out the Australian banks will phase out their hybrids.","start":1379.6399,"end":1384.94,"sentiment":"neutral","sentiment_score":-0.0027903625275939705}],"sentiment":"neutral","sentiment_score":0.06308708112919703,"channel":0,"num_words":60,"start":1360.8251,"end":1384.94},{"sentences":[{"text":"Rather than sit and wait, I would like to take the approach as to","start":1386.2151,"end":1390.635,"sentiment":"neutral","sentiment_score":-0.005398320566330638}],"sentiment":"neutral","sentiment_score":-0.005398320566330638,"channel":0,"num_words":14,"start":1386.2151,"end":1390.635},{"sentences":[{"text":"Jump into","start":1391.045,"end":1391.605,"sentiment":"neutral","sentiment_score":0.005363708361983299}],"sentiment":"neutral","sentiment_score":0.005363708361983299,"channel":1,"num_words":2,"start":1391.045,"end":1391.605},{"sentences":[{"text":"seeing","start":1391.495,"end":1391.735,"sentiment":"neutral","sentiment_score":0.008976437151432037}],"sentiment":"neutral","sentiment_score":0.008976437151432037,"channel":0,"num_words":1,"start":1391.495,"end":1391.735},{"sentences":[{"text":"it","start":1391.605,"end":1391.8451,"sentiment":"neutral","sentiment_score":-0.008746694773435593}],"sentiment":"neutral","sentiment_score":-0.008746694773435593,"channel":1,"num_words":1,"start":1391.605,"end":1391.8451},{"sentences":[{"text":"if","start":1391.735,"end":1391.895,"sentiment":"neutral","sentiment_score":0.0021947138011455536}],"sentiment":"neutral","sentiment_score":0.0021947138011455536,"channel":0,"num_words":1,"start":1391.735,"end":1391.895},{"sentences":[{"text":"now.","start":1391.8451,"end":1392.3451,"sentiment":"neutral","sentiment_score":-0.01310214214026928}],"sentiment":"neutral","sentiment_score":-0.01310214214026928,"channel":1,"num_words":1,"start":1391.8451,"end":1392.3451},{"sentences":[{"text":"there's a better yeah.","start":1391.895,"end":1393.3351,"sentiment":"neutral","sentiment_score":-0.03897583018988371},{"text":"Be a bit more proactive.","start":1393.3351,"end":1394.395,"sentiment":"neutral","sentiment_score":-0.02049405612051487},{"text":"See if there's a better option.","start":1394.4551,"end":1395.655,"sentiment":"neutral","sentiment_score":-0.005994025928278764},{"text":"I'm I'm not inclined to sit and wait and see what the replacement option will be offered from the banks.","start":1395.655,"end":1402.27,"sentiment":"neutral","sentiment_score":-0.056701470725238325}],"sentiment":"neutral","sentiment_score":-0.040810490612472806,"channel":0,"num_words":35,"start":1391.895,"end":1402.27},{"sentences":[{"text":"Yep.","start":1402.86,"end":1403.36,"sentiment":"neutral","sentiment_score":0.09014984220266342}],"sentiment":"neutral","sentiment_score":0.09014984220266342,"channel":1,"num_words":1,"start":1402.86,"end":1403.36},{"sentences":[{"text":"I mean, it's it's still doing a good return.","start":1403.37,"end":1406.73,"sentiment":"neutral","sentiment_score":0.270406826502747},{"text":"It's still valued well presently.","start":1406.73,"end":1408.35,"sentiment":"neutral","sentiment_score":0.2940756678581238},{"text":"So I'd like to just see what are the implications, if any, of us looking at replacing that also if that's alright with you.","start":1409.45,"end":1416.255,"sentiment":"neutral","sentiment_score":0.03438058076426387}],"sentiment":"neutral","sentiment_score":0.12445193989888619,"channel":0,"num_words":38,"start":1403.37,"end":1416.255},{"sentences":[{"text":"Yeah.","start":1416.485,"end":1416.725,"sentiment":"neutral","sentiment_score":0.10231201350688934},{"text":"We can do that.","start":1416.725,"end":1417.525,"sentiment":"neutral","sentiment_score":0.125172708183527},{"text":"Definitely.","start":1417.525,"end":1418.025,"sentiment":"neutral","sentiment_score":0.281338095664978}],"sentiment":"neutral","sentiment_score":0.14739015698432922,"channel":1,"num_words":6,"start":1416.485,"end":1418.025},{"sentences":[{"text":"Fantastic.","start":1418.715,"end":1419.215,"sentiment":"positive","sentiment_score":0.48337674140930176},{"text":"And with the rest of your portfolio, you've got a pretty good allocation the international equity space at where at the moment we see a fair bit of value because you've got exposure to a lot more larger companies.","start":1420.555,"end":1438.16,"sentiment":"neutral","sentiment_score":0.1427347793793067},{"text":"Within the portfolio, you've got access to some niche markets being global cyber, battery and battery tech and lithium.","start":1438.54,"end":1448.0249,"sentiment":"neutral","sentiment_score":0.08426728256438908},{"text":"You've got some","start":1448.325,"end":1449.0449,"sentiment":"neutral","sentiment_score":0.09864566723505656}],"sentiment":"neutral","sentiment_score":0.12817820173598105,"channel":0,"num_words":62,"start":1418.715,"end":1449.0449},{"sentences":[{"text":"Yep.","start":1448.895,"end":1449.395,"sentiment":"neutral","sentiment_score":0.07462027668952942}],"sentiment":"neutral","sentiment_score":0.07462027668952942,"channel":1,"num_words":1,"start":1448.895,"end":1449.395},{"sentences":[{"text":"gold exposure.","start":1449.0449,"end":1450.0249,"sentiment":"neutral","sentiment_score":0.07306446135044098},{"text":"So those niche markets, which we call satellite investments, you don't have a significant over you know, you're not significantly over invested in them, but you've got exposure to them.","start":1451.125,"end":1464.01,"sentiment":"neutral","sentiment_score":0.04615888906021913},{"text":"And then you've also","start":1464.01,"end":1464.89,"sentiment":"neutral","sentiment_score":0.06772525422275066}],"sentiment":"neutral","sentiment_score":0.050049905872179404,"channel":0,"num_words":36,"start":1449.0449,"end":1464.89},{"sentences":[{"text":"Yes.","start":1464.6,"end":1465.1,"sentiment":"neutral","sentiment_score":0.06660376489162445}],"sentiment":"neutral","sentiment_score":0.06660376489162445,"channel":1,"num_words":1,"start":1464.6,"end":1465.1},{"sentences":[{"text":"got some exposure to China as well, which is a emerging economy as always.","start":1464.89,"end":1472.725,"sentiment":"neutral","sentiment_score":0.09968220229659762},{"text":"So your portfolio, we're pretty happy with as an overall.","start":1473.025,"end":1476.245,"sentiment":"positive","sentiment_score":0.3434426784515381},{"text":"It's just those two options that we'd like to look at investigating a little bit further.","start":1477.105,"end":1482.485,"sentiment":"neutral","sentiment_score":0.09911336796358228}],"sentiment":"neutral","sentiment_score":0.1603947876021266,"channel":0,"num_words":40,"start":1464.89,"end":1482.485},{"sentences":[{"text":"Yeah.","start":1482.9751,"end":1483.375,"sentiment":"neutral","sentiment_score":0.12766361236572266},{"text":"No problem.","start":1483.375,"end":1484.1151,"sentiment":"neutral","sentiment_score":0.24888233840465546}],"sentiment":"neutral","sentiment_score":0.20847609639167786,"channel":1,"num_words":3,"start":1482.9751,"end":1484.1151},{"sentences":[{"text":"Beautiful.","start":1484.785,"end":1485.285,"sentiment":"neutral","sentiment_score":0.28138017654418945},{"text":"Now with yours, Megan, you've got the two funds within yours.","start":1486.0099,"end":1490.35,"sentiment":"neutral","sentiment_score":0.03723870912058787},{"text":"Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option.","start":1490.49,"end":1499.025,"sentiment":"neutral","sentiment_score":0.05782666286596885},{"text":"So you've got and I think it probably comes down to balance at the moment.","start":1499.905,"end":1503.985,"sentiment":"neutral","sentiment_score":0.02531698023279508},{"text":"It's you're in the Vanguard diversified growth model and the Vanguard diversified high growth model.","start":1503.985,"end":1509.765,"sentiment":"neutral","sentiment_score":0.04329357879857222}],"sentiment":"neutral","sentiment_score":0.04740672936553464,"channel":0,"num_words":68,"start":1484.785,"end":1509.765},{"sentences":[{"text":"Great funds.","start":1510.0651,"end":1510.805,"sentiment":"positive","sentiment_score":0.5280671417713165}],"sentiment":"positive","sentiment_score":0.5280671417713165,"channel":0,"num_words":2,"start":1510.0651,"end":1510.805},{"sentences":[{"text":"Yeah.","start":1510.555,"end":1511.055,"sentiment":"positive","sentiment_score":0.37726521492004395}],"sentiment":"positive","sentiment_score":0.37726521492004395,"channel":1,"num_words":1,"start":1510.555,"end":1511.055},{"sentences":[{"text":"I like Vanguard.","start":1512.24,"end":1513.2001,"sentiment":"positive","sentiment_score":0.4562880794207255},{"text":"Good old Vanguard.","start":1513.2001,"end":1514.0,"sentiment":"positive","sentiment_score":0.5437871019045512},{"text":"They're fantastic.","start":1514.0,"end":1514.74,"sentiment":"positive","sentiment_score":0.7796372771263123},{"text":"I just wanted to get a gauge of where you're at with 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collections","start":1553.02,"end":1554.0,"sentiment":"neutral","sentiment_score":0.008864094813664755}],"sentiment":"neutral","sentiment_score":0.008864094813664755,"channel":1,"num_words":3,"start":1553.02,"end":1554.0},{"sentences":[{"text":"Yeah.","start":1554.365,"end":1554.865,"sentiment":"neutral","sentiment_score":0.006805441342294216}],"sentiment":"neutral","sentiment_score":0.006805441342294216,"channel":0,"num_words":1,"start":1554.365,"end":1554.865},{"sentences":[{"text":"at the shop","start":1554.38,"end":1555.335,"sentiment":"neutral","sentiment_score":0.004674529656767845}],"sentiment":"neutral","sentiment_score":0.004674529656767845,"channel":1,"num_words":3,"start":1554.38,"end":1555.335},{"sentences":[{"text":"Yep.","start":1555.965,"end":1556.465,"sentiment":"neutral","sentiment_score":-0.002170950174331665}],"sentiment":"neutral","sentiment_score":-0.002170950174331665,"channel":0,"num_words":1,"start":1555.965,"end":1556.465},{"sentences":[{"text":"just because I'm, like, more of a sort of an anxious person when it comes to money, whereas it makes very much like money comes and goes.","start":1556.695,"end":1563.515,"sentiment":"neutral","sentiment_score":-0.09928803345947354}],"sentiment":"neutral","sentiment_score":-0.09928803345947354,"channel":1,"num_words":27,"start":1556.695,"end":1563.515},{"sentences":[{"text":"Yep.","start":1565.2999,"end":1565.7999,"sentiment":"neutral","sentiment_score":0.0349159836769104}],"sentiment":"neutral","sentiment_score":0.0349159836769104,"channel":0,"num_words":1,"start":1565.2999,"end":1565.7999},{"sentences":[{"text":"So I think yeah.","start":1565.335,"end":1566.2949,"sentiment":"neutral","sentiment_score":0.07923612371087074},{"text":"I'm absolutely open to it because I I feel like I have more belief in investing and, like, also just you guys, like, build that sort of trust because you see the change in the balance and everything.","start":1566.2949,"end":1577.95,"sentiment":"neutral","sentiment_score":0.2325802217972906},{"text":"So I'm definitely","start":1578.57,"end":1579.47,"sentiment":"neutral","sentiment_score":0.09248824169238408}],"sentiment":"neutral","sentiment_score":0.20961016996039283,"channel":1,"num_words":45,"start":1565.335,"end":1579.47},{"sentences":[{"text":"Yeah.","start":1578.995,"end":1579.495,"sentiment":"neutral","sentiment_score":0.07346726208925247}],"sentiment":"neutral","sentiment_score":0.07346726208925247,"channel":0,"num_words":1,"start":1578.995,"end":1579.495},{"sentences":[{"text":"open to exploring more options and, like, maybe some more Aggressive approach.","start":1579.53,"end":1584.44,"sentiment":"neutral","sentiment_score":0.08514912084986766},{"text":"Yeah.","start":1585.985,"end":1586.225,"sentiment":"neutral","sentiment_score":0.06668758392333984},{"text":"Aggressive approaches.","start":1586.225,"end":1587.205,"sentiment":"neutral","sentiment_score":0.08986597508192062}],"sentiment":"neutral","sentiment_score":0.08454726561903954,"channel":1,"num_words":15,"start":1579.53,"end":1587.205},{"sentences":[{"text":"Beautiful.","start":1588.755,"end":1589.255,"sentiment":"positive","sentiment_score":0.3977779746055603},{"text":"So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor.","start":1589.395,"end":1596.61,"sentiment":"neutral","sentiment_score":0.06297350387004289},{"text":"So, typically, from the last risk profile, like, that's an eighty twenty split.","start":1596.61,"end":1601.8099,"sentiment":"neutral","sentiment_score":0.037358586461498186},{"text":"So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael,","start":1601.8099,"end":1607.6499,"sentiment":"neutral","sentiment_score":0.05234673733894642}],"sentiment":"neutral","sentiment_score":0.060191107533720076,"channel":0,"num_words":49,"start":1588.755,"end":1607.6499},{"sentences":[{"text":"Yep.","start":1607.25,"end":1607.75,"sentiment":"neutral","sentiment_score":0.04546956345438957}],"sentiment":"neutral","sentiment_score":0.04546956345438957,"channel":1,"num_words":1,"start":1607.25,"end":1607.75},{"sentences":[{"text":"you're a high growth, which is a ninety ten split.","start":1607.6499,"end":1610.865,"sentiment":"neutral","sentiment_score":0.05074263736605644}],"sentiment":"neutral","sentiment_score":0.05074263736605644,"channel":0,"num_words":10,"start":1607.6499,"end":1610.865},{"sentences":[{"text":"Yeah.","start":1611.09,"end":1611.59,"sentiment":"neutral","sentiment_score":0.1010878086090088}],"sentiment":"neutral","sentiment_score":0.1010878086090088,"channel":1,"num_words":1,"start":1611.09,"end":1611.59},{"sentences":[{"text":"So we can definitely look at that as well,","start":1611.7251,"end":1615.245,"sentiment":"neutral","sentiment_score":0.12430713739660051}],"sentiment":"neutral","sentiment_score":0.12430713739660051,"channel":0,"num_words":9,"start":1611.7251,"end":1615.245},{"sentences":[{"text":"Yep.","start":1615.2251,"end":1615.7251,"sentiment":"neutral","sentiment_score":0.10514181852340698}],"sentiment":"neutral","sentiment_score":0.10514181852340698,"channel":1,"num_words":1,"start":1615.2251,"end":1615.7251},{"sentences":[{"text":"Megan.","start":1615.245,"end":1615.5651,"sentiment":"neutral","sentiment_score":0.09033453464508057},{"text":"So I'll circle back to that risk profile as well along with the insurance.","start":1615.5651,"end":1618.865,"sentiment":"neutral","sentiment_score":0.06678345985710621}],"sentiment":"neutral","sentiment_score":0.06835353150963783,"channel":0,"num_words":15,"start":1615.245,"end":1618.865},{"sentences":[{"text":"Yes.","start":1619.865,"end":1620.365,"sentiment":"neutral","sentiment_score":0.0897517055273056}],"sentiment":"neutral","sentiment_score":0.0897517055273056,"channel":1,"num_words":1,"start":1619.865,"end":1620.365},{"sentences":[{"text":"Yeah.","start":1621.405,"end":1621.645,"sentiment":"neutral","sentiment_score":0.1017949804663658},{"text":"Okay.","start":1621.645,"end":1621.9651,"sentiment":"neutral","sentiment_score":0.18212929368019104},{"text":"Beautiful.","start":1621.9651,"end":1622.365,"sentiment":"neutral","sentiment_score":0.11218386143445969},{"text":"I just wanted to understand from your perspective in your own words that how the Vanguard options came about.","start":1622.365,"end":1628.75,"sentiment":"neutral","sentiment_score":0.15711527670684614},{"text":"So that's beautiful.","start":1630.57,"end":1631.5299,"sentiment":"positive","sentiment_score":0.7670387625694275}],"sentiment":"neutral","sentiment_score":0.22729658722877502,"channel":0,"num_words":25,"start":1621.405,"end":1631.5299},{"sentences":[{"text":"I understand that.","start":1631.5299,"end":1632.75,"sentiment":"positive","sentiment_score":0.36906901995340985},{"text":"Speaking of Vanguard, the next document in the pack is the Vanguard index chart.","start":1633.37,"end":1637.7899,"sentiment":"neutral","sentiment_score":0.1337645032576152},{"text":"We supply this as a nice little visual.","start":1638.315,"end":1640.495,"sentiment":"positive","sentiment_score":0.37855861335992813},{"text":"It explains well, if you look when you'd have a chance or if you're looking at it now,","start":1640.875,"end":1645.755,"sentiment":"neutral","sentiment_score":0.14642505596081415}],"sentiment":"neutral","sentiment_score":0.20102395394513772,"channel":0,"num_words":43,"start":1631.5299,"end":1645.755},{"sentences":[{"text":"Yes.","start":1645.495,"end":1645.995,"sentiment":"neutral","sentiment_score":0.08528556674718857}],"sentiment":"neutral","sentiment_score":0.08528556674718857,"channel":1,"num_words":1,"start":1645.495,"end":1645.995},{"sentences":[{"text":"Megan, I'm not sure, you will you'll see the top four assets.","start":1645.755,"end":1649.595,"sentiment":"neutral","sentiment_score":0.02868441802759965},{"text":"They're your growth assets.","start":1649.595,"end":1650.635,"sentiment":"neutral","sentiment_score":0.05006367899477482},{"text":"So they're the one that I alluded to that it's for Michael, you're invested in 90%","start":1650.635,"end":1655.13,"sentiment":"neutral","sentiment_score":0.04020735796075314}],"sentiment":"neutral","sentiment_score":0.03711829561507329,"channel":0,"num_words":32,"start":1645.755,"end":1655.13},{"sentences":[{"text":"Yep.","start":1655.1,"end":1655.6,"sentiment":"neutral","sentiment_score":0.026010550558567047}],"sentiment":"neutral","sentiment_score":0.026010550558567047,"channel":1,"num_words":1,"start":1655.1,"end":1655.6},{"sentences":[{"text":"of it.","start":1655.13,"end":1655.7899,"sentiment":"neutral","sentiment_score":0.02772244717925787},{"text":"Megan, at the moment, you're about 80%, and they're they're your growth assets.","start":1656.49,"end":1660.8099,"sentiment":"neutral","sentiment_score":0.03574750787363602},{"text":"So you'll see","start":1660.8099,"end":1661.37,"sentiment":"neutral","sentiment_score":0.027064514656861622}],"sentiment":"neutral","sentiment_score":0.0334086689270205,"channel":0,"num_words":18,"start":1655.13,"end":1661.37},{"sentences":[{"text":"Yeah.","start":1661.2275,"end":1661.7275,"sentiment":"neutral","sentiment_score":0.020891766995191578}],"sentiment":"neutral","sentiment_score":0.020891766995191578,"channel":1,"num_words":1,"start":1661.2275,"end":1661.7275},{"sentences":[{"text":"that in the chart, they're the ones that experience the most volatility, and you can attribute a lot of the volatility to world events.","start":1661.37,"end":1669.615,"sentiment":"neutral","sentiment_score":0.01452472829259932},{"text":"In a high growth portfolio, we always say you have an investment time frame of at least eight years.","start":1671.1951,"end":1680.4601,"sentiment":"neutral","sentiment_score":0.03729994281342155},{"text":"So given that you're both Michael, you've got twenty seven years, so you can access super.","start":1680.76,"end":1685.74,"sentiment":"neutral","sentiment_score":0.04797289613634348},{"text":"Megan, you've got thirty three years, so you can access super based on today's legislation","start":1685.8,"end":1690.62,"sentiment":"neutral","sentiment_score":0.04158753293255965}],"sentiment":"neutral","sentiment_score":0.033090158441179504,"channel":0,"num_words":74,"start":1661.37,"end":1690.62},{"sentences":[{"text":"Yeah.","start":1691.4601,"end":1691.9401,"sentiment":"neutral","sentiment_score":0.02012551762163639}],"sentiment":"neutral","sentiment_score":0.02012551762163639,"channel":1,"num_words":1,"start":1691.4601,"end":1691.9401},{"sentences":[{"text":"and","start":1691.4801,"end":1691.9801,"sentiment":"neutral","sentiment_score":0.014445958659052849}],"sentiment":"neutral","sentiment_score":0.014445958659052849,"channel":0,"num_words":1,"start":1691.4801,"end":1691.9801},{"sentences":[{"text":"Yeah.","start":1691.9401,"end":1692.4401,"sentiment":"neutral","sentiment_score":0.01928291842341423}],"sentiment":"neutral","sentiment_score":0.01928291842341423,"channel":1,"num_words":1,"start":1691.9401,"end":1692.4401},{"sentences":[{"text":"super access 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really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio.","start":1715.98,"end":1732.435,"sentiment":"neutral","sentiment_score":0.06656017844030197},{"text":"The next order documents are your certificate of currency.","start":1736.975,"end":1740.55,"sentiment":"neutral","sentiment_score":0.03783540241420269},{"text":"So, Michael, at the moment, you're insured for life and TPD of 444,893,","start":1740.55,"end":1748.41,"sentiment":"neutral","sentiment_score":0.027225757734133646}],"sentiment":"neutral","sentiment_score":0.04763398445800118,"channel":0,"num_words":87,"start":1710.38,"end":1748.41},{"sentences":[{"text":"Yep.","start":1748.99,"end":1749.49,"sentiment":"neutral","sentiment_score":0.02130763605237007}],"sentiment":"neutral","sentiment_score":0.02130763605237007,"channel":1,"num_words":1,"start":1748.99,"end":1749.49},{"sentences":[{"text":"and your income protection is $4,423 per 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while you're on maternity leave.","start":2205.9302,"end":2216.945,"sentiment":"neutral","sentiment_score":0.06947858948950414},{"text":"So I'm gonna come back to you on that.","start":2216.945,"end":2218.965,"sentiment":"neutral","sentiment_score":0.08892534590429729},{"text":"The next document in the pack is our financial services guide.","start":2220.865,"end":2225.04,"sentiment":"neutral","sentiment_score":0.08709434081207622}],"sentiment":"neutral","sentiment_score":0.0925557329460527,"channel":0,"num_words":66,"start":2196.9702,"end":2225.04},{"sentences":[{"text":"So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process.","start":2225.04,"end":2245.835,"sentiment":"neutral","sentiment_score":0.012830128964896385},{"text":"So that's available in your pack and also on the website.","start":2246.1348,"end":2250.2349,"sentiment":"neutral","sentiment_score":0.08816746080463583},{"text":"Any questions so far?","start":2252.07,"end":2253.4502,"sentiment":"neutral","sentiment_score":0.037364235147833824},{"text":"No?","start":2255.9102,"end":2256.2302,"sentiment":"neutral","sentiment_score":0.008276112377643585},{"text":"Beautiful.","start":2256.2302,"end":2256.7302,"sentiment":"positive","sentiment_score":0.5514691472053528}],"sentiment":"neutral","sentiment_score":0.0340030576115933,"channel":0,"num_words":69,"start":2225.04,"end":2256.7302},{"sentences":[{"text":"The next document is consent to new ongoing service or the ongo the ongoing fee arrangement.","start":2257.9902,"end":2265.37,"sentiment":"neutral","sentiment_score":0.11221463629044592},{"text":"So what it is is based on a percent fee of 1.1% of your balances.","start":2266.595,"end":2274.295,"sentiment":"neutral","sentiment_score":0.06529279847939809},{"text":"So I will break that 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are the only ones that we do require your signature on from the pack.","start":2403.22,"end":2408.5151,"sentiment":"neutral","sentiment_score":0.10693608389960395},{"text":"So when and if you're comfortable to sign those, I'd ask you to do that.","start":2409.695,"end":2414.435,"sentiment":"neutral","sentiment_score":0.12324989140033722},{"text":"And we then I can I can still start working on all the other stuff I'm gonna start working on in the meantime?","start":2416.3352,"end":2423.05,"sentiment":"neutral","sentiment_score":0.13098542457041534}],"sentiment":"neutral","sentiment_score":0.12379109054323166,"channel":0,"num_words":62,"start":2401.46,"end":2423.05},{"sentences":[{"text":"Yep.","start":2423.955,"end":2424.455,"sentiment":"neutral","sentiment_score":0.0728459358215332}],"sentiment":"neutral","sentiment_score":0.0728459358215332,"channel":1,"num_words":1,"start":2423.955,"end":2424.455},{"sentences":[{"text":"But I'm going to jump into a risk profile questionnaire very quickly.","start":2425.51,"end":2429.45,"sentiment":"neutral","sentiment_score":0.025788982243587572},{"text":"No right or wrong answers in this.","start":2430.39,"end":2432.31,"sentiment":"neutral","sentiment_score":-0.14872103290898459},{"text":"And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned.","start":2432.31,"end":2442.275,"sentiment":"neutral","sentiment_score":0.09364243620826353}],"sentiment":"neutral","sentiment_score":0.04342672158032656,"channel":0,"num_words":50,"start":2425.51,"end":2442.275},{"sentences":[{"text":"Yep.","start":2442.97,"end":2443.47,"sentiment":"neutral","sentiment_score":0.07068786770105362}],"sentiment":"neutral","sentiment_score":0.07068786770105362,"channel":1,"num_words":1,"start":2442.97,"end":2443.47},{"sentences":[{"text":"So for the both of you, what is the most aggressive investment you've ever made?","start":2443.615,"end":2449.76,"sentiment":"neutral","sentiment_score":0.08144665683309237},{"text":"Shares?","start":2449.82,"end":2450.32,"sentiment":"neutral","sentiment_score":0.02029841765761375},{"text":"I know, Megan, you've made shares.","start":2450.46,"end":2452.24,"sentiment":"neutral","sentiment_score":0.027658025734126568},{"text":"Michael, what about yourself?","start":2452.3,"end":2453.52,"sentiment":"neutral","sentiment_score":0.0052591373678296804},{"text":"What would it be managed funds or shares?","start":2453.82,"end":2456.8801,"sentiment":"neutral","sentiment_score":-0.0009395985398441553}],"sentiment":"neutral","sentiment_score":0.04180782899150953,"channel":0,"num_words":34,"start":2443.615,"end":2456.8801},{"sentences":[{"text":"No.","start":2457.595,"end":2457.915,"sentiment":"neutral","sentiment_score":-0.14934533834457395},{"text":"I haven't really done any of that.","start":2457.915,"end":2459.7751,"sentiment":"neutral","sentiment_score":-0.1401101393359048}],"sentiment":"neutral","sentiment_score":-0.14126453921198845,"channel":1,"num_words":8,"start":2457.595,"end":2459.7751},{"sentences":[{"text":"No?","start":2460.54,"end":2461.04,"sentiment":"neutral","sentiment_score":-0.060821160674095154},{"text":"Okay.","start":2461.1,"end":2461.4202,"sentiment":"neutral","sentiment_score":-0.016773011535406113},{"text":"So your super fund holds managed funds in there.","start":2461.4202,"end":2463.965,"sentiment":"neutral","sentiment_score":-0.013191934468017684},{"text":"So are you comfortable with me putting managed funds 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worries.","start":2473.0652,"end":2473.725,"sentiment":"neutral","sentiment_score":0.06510320492088795},{"text":"Alright.","start":2473.945,"end":2474.425,"sentiment":"neutral","sentiment_score":0.08874660730361938}],"sentiment":"neutral","sentiment_score":0.04431914558841123,"channel":0,"num_words":9,"start":2470.905,"end":2474.425},{"sentences":[{"text":"For both of you, once an investment's been placed, how long would you need it before you can access capital?","start":2474.425,"end":2480.54,"sentiment":"neutral","sentiment_score":0.010036081448197365},{"text":"So that's for the both of you, longer than ten years given that it's your super.","start":2480.6,"end":2486.3,"sentiment":"neutral","sentiment_score":0.12867094576358795},{"text":"Yep.","start":2488.6,"end":2489.1,"sentiment":"neutral","sentiment_score":0.10639595985412598},{"text":"Yep.","start":2489.48,"end":2489.98,"sentiment":"neutral","sentiment_score":0.12245597690343855},{"text":"Yeah.","start":2490.2,"end":2490.465,"sentiment":"neutral","sentiment_score":0.3034978210926056}],"sentiment":"neutral","sentiment_score":0.07158478253926986,"channel":0,"num_words":39,"start":2474.425,"end":2490.465},{"sentences":[{"text":"Beautiful.","start":2491.425,"end":2491.925,"sentiment":"neutral","sentiment_score":0.03282811865210533},{"text":"The next question, is inflation means that things are getting more expensive over time and making our current dollar worth less for the future?","start":2494.0652,"end":2502.8052,"sentiment":"neutral","sentiment_score":-0.18177163399135074},{"text":"How much risk are you willing to take to keep up with inflation rises?","start":2503.32,"end":2507.58,"sentiment":"neutral","sentiment_score":-0.11966547263520104},{"text":"Number one would be accepting a very high risk.","start":2509.08,"end":2511.58,"sentiment":"neutral","sentiment_score":-0.2301264868842231},{"text":"Number two would be just a risk.","start":2511.96,"end":2514.9402,"sentiment":"neutral","sentiment_score":-0.17022410035133362}],"sentiment":"neutral","sentiment_score":-0.16850390542637217,"channel":0,"num_words":55,"start":2491.425,"end":2514.9402},{"sentences":[{"text":"Number three would be moderate risk.","start":2515.48,"end":2517.5,"sentiment":"neutral","sentiment_score":-0.09694128607710202},{"text":"Four is a small amount to keep up with inflation, or number five, you're unwilling to take any 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low, my first inclination is to put money in.","start":2586.455,"end":2591.01,"sentiment":"neutral","sentiment_score":0.0407304370489258}],"sentiment":"neutral","sentiment_score":0.21850227712895032,"channel":0,"num_words":27,"start":2579.975,"end":2591.01},{"sentences":[{"text":"Yes.","start":2591.665,"end":2592.165,"sentiment":"neutral","sentiment_score":0.28552359342575073}],"sentiment":"neutral","sentiment_score":0.28552359342575073,"channel":1,"num_words":1,"start":2591.665,"end":2592.165},{"sentences":[{"text":"So you think thinking the right way.","start":2592.1099,"end":2595.39,"sentiment":"positive","sentiment_score":0.3878213720662253},{"text":"That's great.","start":2595.39,"end":2596.13,"sentiment":"positive","sentiment_score":0.6446947455406189},{"text":"So what kind of return do you expect to get from your investments over term over long term?","start":2596.5898,"end":2601.925,"sentiment":"neutral","sentiment_score":0.181997944911321},{"text":"8% or above, six to 8%, four to 6%, two to 4%, or zero to 2%?","start":2601.985,"end":2608.885,"sentiment":"neutral","sentiment_score":0.06576121016405523}],"sentiment":"neutral","sentiment_score":0.19377398759473202,"channel":0,"num_words":43,"start":2592.1099,"end":2608.885},{"sentences":[{"text":"Probably six six to eight.","start":2609.77,"end":2612.1702,"sentiment":"neutral","sentiment_score":-0.0041317218914628025},{"text":"Okay.","start":2612.1702,"end":2612.57,"sentiment":"neutral","sentiment_score":0.05398307368159294},{"text":"In 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could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home.","start":2661.115,"end":2669.5352,"sentiment":"neutral","sentiment_score":0.14685265600681305}],"sentiment":"neutral","sentiment_score":0.16869121633077921,"channel":0,"num_words":38,"start":2655.92,"end":2669.5352},{"sentences":[{"text":"I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't 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flow.","start":3151.445,"end":3178.135,"sentiment":"neutral","sentiment_score":0.0013092705167009164},{"text":"Typically, the levels of cover are of cover are recommended to replace out of pocket health expenses or ongoing costs, for example, and a a recuperation period because, typically, what we find is these illnesses aren't necessarily terminal.","start":3178.135,"end":3198.435,"sentiment":"neutral","sentiment_score":0.0002407512480491086},{"text":"You're gonna go back to work at some point, and it might be that there's just some funds available to make a repayment on debt or allow you a bit of time to recover and so on.","start":3199.375,"end":3211.5798,"sentiment":"neutral","sentiment_score":0.032616236763125334}],"sentiment":"neutral","sentiment_score":-0.0031155880023543904,"channel":0,"num_words":154,"start":3139.925,"end":3211.5798},{"sentences":[{"text":"So that's the other policy that's available within the risk protection portfolio.","start":3211.5798,"end":3218.16,"sentiment":"neutral","sentiment_score":0.1257841760913531},{"text":"And I just wanted to see what your thoughts were on that, whether you wanted to look at including that in the review when we're going to be looking at your life and TPD cover.","start":3218.94,"end":3229.815,"sentiment":"neutral","sentiment_score":0.17973776374544417}],"sentiment":"neutral","sentiment_score":0.16596237966354857,"channel":0,"num_words":47,"start":3211.5798,"end":3229.815},{"sentences":[{"text":"I think I think I'm good.","start":3231.015,"end":3232.375,"sentiment":"positive","sentiment_score":0.5794864396254221},{"text":"Yeah.","start":3232.375,"end":3232.6948,"sentiment":"neutral","sentiment_score":0.22073516249656677},{"text":"I think we're I think given our age and health status, I think maybe we leave it for now.","start":3232.6948,"end":3239.7,"sentiment":"neutral","sentiment_score":-0.028311174038160396}],"sentiment":"neutral","sentiment_score":0.12152851898169431,"channel":1,"num_words":26,"start":3231.015,"end":3239.7},{"sentences":[{"text":"Nope.","start":3240.53,"end":3240.85,"sentiment":"neutral","sentiment_score":-0.07881850004196167},{"text":"That's absolutely fine.","start":3240.85,"end":3242.6301,"sentiment":"neutral","sentiment_score":0.2043228397766749},{"text":"And your debt you're managing, you don't you're quite happy to to you know, do would you like any advice to pay that down quicker or within a certain time frame?","start":3244.21,"end":3256.0251,"sentiment":"neutral","sentiment_score":-0.1857445489975714}],"sentiment":"neutral","sentiment_score":-0.14925517141819,"channel":0,"num_words":35,"start":3240.53,"end":3256.0251},{"sentences":[{"text":"Well, we're actually probably looking to, unfortunately, increase increase our mortgage because we're gonna be doing an extension on our home.","start":3257.605,"end":3265.465,"sentiment":"neutral","sentiment_score":-0.2124166204815819}],"sentiment":"neutral","sentiment_score":-0.2124166204815819,"channel":1,"num_words":21,"start":3257.605,"end":3265.465},{"sentences":[{"text":"Yeah.","start":3266.245,"end":3266.46,"sentiment":"neutral","sentiment_score":-0.1333165466785431}],"sentiment":"neutral","sentiment_score":-0.1333165466785431,"channel":0,"num_words":1,"start":3266.245,"end":3266.46},{"sentences":[{"text":"So, yeah, we're probably looking the opposite way at this stage.","start":3267.4302,"end":3270.87,"sentiment":"neutral","sentiment_score":-0.2139705236662518},{"text":"And then, hopefully, once I'm back at work and stuff, we can set it up to try and pay down quicker.","start":3270.87,"end":3277.6902,"sentiment":"neutral","sentiment_score":-0.06415563644397826}],"sentiment":"neutral","sentiment_score":-0.11565450392663479,"channel":1,"num_words":32,"start":3267.4302,"end":3277.6902},{"sentences":[{"text":"Yeah.","start":3278.5552,"end":3278.7952,"sentiment":"neutral","sentiment_score":0.13317574560642242},{"text":"Yeah.","start":3278.7952,"end":3278.955,"sentiment":"neutral","sentiment_score":0.1880618631839752},{"text":"You guys have plenty of time on your side, so no 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little nest egg for them, and it's it's it's doesn't form part of your taxable income or growth or anything like that.","start":3285.915,"end":3314.975,"sentiment":"neutral","sentiment_score":0.05858926620487481},{"text":"After ten years, it's tax free, so it's a nice little nest egg for kitties.","start":3315.435,"end":3319.8552,"sentiment":"neutral","sentiment_score":0.21582625508308412},{"text":"Once they reach a certain age, you have full power over when they actually get","start":3321.92,"end":3326.3198,"sentiment":"neutral","sentiment_score":0.0906674141685168}],"sentiment":"neutral","sentiment_score":0.09749107891203541,"channel":0,"num_words":114,"start":3282.395,"end":3326.3198},{"sentences":[{"text":"Yep.","start":3326.21,"end":3326.71,"sentiment":"neutral","sentiment_score":0.06719104945659637}],"sentiment":"neutral","sentiment_score":0.06719104945659637,"channel":1,"num_words":1,"start":3326.21,"end":3326.71},{"sentences":[{"text":"access to it, and you can change it 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changes.","start":3359.2898,"end":3375.155,"sentiment":"neutral","sentiment_score":0.08302640020847321},{"text":"So some of them being the investments in your super, the changes to the life and TPD insurance.","start":3375.155,"end":3381.64,"sentiment":"neutral","sentiment_score":0.057513156491849154}],"sentiment":"neutral","sentiment_score":0.07073173044791704,"channel":0,"num_words":79,"start":3353.77,"end":3381.64},{"sentences":[{"text":"And I'm just thinking that's probably it, 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quite a few lawyers in my time and the cost of them.","start":3410.08,"end":3413.6,"sentiment":"neutral","sentiment_score":0.0068331387426171985},{"text":"So these ones, I was actually quite surprised about the cost and how reasonable it is.","start":3413.6,"end":3417.78,"sentiment":"neutral","sentiment_score":0.12477798666805029},{"text":"And if you would like to after you've had a read of it, if you want an introduction, just shoot me an email back, and I'll arrange that.","start":3418.8801,"end":3427.275,"sentiment":"neutral","sentiment_score":0.04916892559932811}],"sentiment":"neutral","sentiment_score":0.0791277011637302,"channel":0,"num_words":68,"start":3406.875,"end":3427.275},{"sentences":[{"text":"But, yeah, something that you've probably both, you know, giving you're gonna need to consider things like guardianship and all those awful","start":3427.8948,"end":3435.1748,"sentiment":"neutral","sentiment_score":-0.12343680282885378}],"sentiment":"neutral","sentiment_score":-0.12343680282885378,"channel":0,"num_words":22,"start":3427.8948,"end":3435.1748},{"sentences":[{"text":"Yep.","start":3434.96,"end":3435.46,"sentiment":"neutral","sentiment_score":-0.12811553478240967}],"sentiment":"neutral","sentiment_score":-0.12811553478240967,"channel":1,"num_words":1,"start":3434.96,"end":3435.46},{"sentences":[{"text":"things that you need to have a chat about,","start":3435.1748,"end":3437.035,"sentiment":"neutral","sentiment_score":-0.14220193028450012}],"sentiment":"neutral","sentiment_score":-0.14220193028450012,"channel":0,"num_words":9,"start":3435.1748,"end":3437.035},{"sentences":[{"text":"Yep.","start":3437.5999,"end":3438.0999,"sentiment":"neutral","sentiment_score":-0.11527560651302338}],"sentiment":"neutral","sentiment_score":-0.11527560651302338,"channel":1,"num_words":1,"start":3437.5999,"end":3438.0999},{"sentences":[{"text":"which isn't nice.","start":3437.6548,"end":3438.7148,"sentiment":"neutral","sentiment_score":-0.24275984366734824}],"sentiment":"neutral","sentiment_score":-0.24275984366734824,"channel":0,"num_words":3,"start":3437.6548,"end":3438.7148},{"sentences":[{"text":"No.","start":3439.8398,"end":3440.08,"sentiment":"neutral","sentiment_score":-0.15801414847373962}],"sentiment":"neutral","sentiment_score":-0.15801414847373962,"channel":1,"num_words":1,"start":3439.8398,"end":3440.08},{"sentences":[{"text":"It's","start":3440.03,"end":3440.27,"sentiment":"neutral","sentiment_score":-0.14358440041542053}],"sentiment":"neutral","sentiment_score":-0.14358440041542053,"channel":0,"num_words":1,"start":3440.03,"end":3440.27},{"sentences":[{"text":"But","start":3440.08,"end":3440.32,"sentiment":"neutral","sentiment_score":-0.1134713664650917}],"sentiment":"neutral","sentiment_score":-0.1134713664650917,"channel":1,"num_words":1,"start":3440.08,"end":3440.32},{"sentences":[{"text":"not","start":3440.27,"end":3440.43,"sentiment":"neutral","sentiment_score":-0.2190007716417313}],"sentiment":"neutral","sentiment_score":-0.2190007716417313,"channel":0,"num_words":1,"start":3440.27,"end":3440.43},{"sentences":[{"text":"it's necessary.","start":3440.32,"end":3441.06,"sentiment":"neutral","sentiment_score":-0.21289537101984024}],"sentiment":"neutral","sentiment_score":-0.21289537101984024,"channel":1,"num_words":2,"start":3440.32,"end":3441.06},{"sentences":[{"text":"yeah.","start":3442.19,"end":3442.69,"sentiment":"neutral","sentiment_score":-0.08224920928478241},{"text":"Not yeah.","start":3442.83,"end":3443.55,"sentiment":"neutral","sentiment_score":-0.1190369501709938},{"text":"Yeah.","start":3443.55,"end":3443.8699,"sentiment":"neutral","sentiment_score":-0.04842939227819443},{"text":"Exactly.","start":3443.8699,"end":3444.3699,"sentiment":"neutral","sentiment_score":-0.05255858600139618},{"text":"And like all things in life, anything that's necessary is not generally nice to have a chat about, is it?","start":3444.75,"end":3449.65,"sentiment":"neutral","sentiment_score":-0.156065372005105}],"sentiment":"neutral","sentiment_score":-0.14170474112033843,"channel":0,"num_words":25,"start":3442.19,"end":3449.65},{"sentences":[{"text":"Yep.","start":3449.695,"end":3450.195,"sentiment":"neutral","sentiment_score":0.03116717003285885}],"sentiment":"neutral","sentiment_score":0.03116717003285885,"channel":1,"num_words":1,"start":3449.695,"end":3450.195},{"sentences":[{"text":"Alright.","start":3451.47,"end":3451.905,"sentiment":"neutral","sentiment_score":0.2804259955883026},{"text":"Beautiful.","start":3452.145,"end":3452.545,"sentiment":"positive","sentiment_score":0.540298342704773},{"text":"Well, I will get that sent off to you.","start":3452.545,"end":3455.045,"sentiment":"neutral","sentiment_score":0.322512600156996},{"text":"And in the meantime, if you have any questions, please reach out.","start":3456.865,"end":3460.465,"sentiment":"neutral","sentiment_score":0.1424285558362802},{"text":"But we'll be in contact in about two to three weeks because it just takes that amount of time to get the the research together and make sure that we're doing the right thing.","start":3460.465,"end":3468.98,"sentiment":"neutral","sentiment_score":0.14245157338240566}],"sentiment":"neutral","sentiment_score":0.1802777878025122,"channel":0,"num_words":57,"start":3451.47,"end":3468.98},{"sentences":[{"text":"Yeah.","start":3469.59,"end":3469.9102,"sentiment":"positive","sentiment_score":0.3723815381526947},{"text":"Awesome.","start":3469.9102,"end":3470.3901,"sentiment":"positive","sentiment_score":0.7151097655296326},{"text":"No problem.","start":3470.3901,"end":3471.11,"sentiment":"positive","sentiment_score":0.5980312824249268},{"text":"Thank you.","start":3471.11,"end":3471.85,"sentiment":"positive","sentiment_score":0.7298926711082458}],"sentiment":"positive","sentiment_score":0.6238898684581121,"channel":1,"num_words":6,"start":3469.59,"end":3471.85},{"sentences":[{"text":"Beautiful.","start":3471.76,"end":3472.26,"sentiment":"positive","sentiment_score":0.6947386860847473},{"text":"No.","start":3472.9602,"end":3473.12,"sentiment":"positive","sentiment_score":0.36933088302612305},{"text":"Thank you.","start":3473.12,"end":3473.76,"sentiment":"positive","sentiment_score":0.54727803170681},{"text":"And have a great day, and I'll speak to you both soon.","start":3473.76,"end":3476.925,"sentiment":"positive","sentiment_score":0.5946449364225069}],"sentiment":"positive","sentiment_score":0.5808978043496609,"channel":0,"num_words":16,"start":3471.76,"end":3476.925},{"sentences":[{"text":"Alright.","start":3477.27,"end":3477.6702,"sentiment":"neutral","sentiment_score":0.3283790946006775},{"text":"No problem.","start":3477.6702,"end":3478.23,"sentiment":"positive","sentiment_score":0.42320704460144043},{"text":"Thanks for your time.","start":3478.23,"end":3479.29,"sentiment":"positive","sentiment_score":0.6796863377094269}],"sentiment":"positive","sentiment_score":0.556219790663038,"channel":1,"num_words":7,"start":3477.27,"end":3479.29},{"sentences":[{"text":"Thank you.","start":3480.025,"end":3480.7449,"sentiment":"positive","sentiment_score":0.6620323359966278},{"text":"Bye.","start":3480.7449,"end":3481.2449,"sentiment":"neutral","sentiment_score":-0.08776261657476425}],"sentiment":"positive","sentiment_score":0.4121006851394971,"channel":0,"num_words":3,"start":3480.025,"end":3481.2449}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Michael to complete annual reviews and discuss his employment history, finances, and health and lifestyle. They provide information on his income and savings account, including his retirement plans and health and lifestyle. The speakers also discuss the risk profile of the Vanguard options and the Vanguard index chart, as well as the importance of staying flexible in their approach to risk management and updating their retirement plans and TPD insurance. They also mention a review frequency and suggest adding trauma insurance to the risk protection portfolio."},"intents":{"segments":[{"text":"Purpose of my call today is to ring and complete your annual review with your self Yep.","start_word":101,"end_word":117,"intents":[{"intent":"Conduct annual review with megan","confidence_score":0.00008532833}]},{"text":"That's that's fantastic. Oh, congratulations to you both.","start_word":327,"end_word":334,"intents":[{"intent":"Congratulate on maternity leave","confidence_score":0.007728944}]},{"text":"I just wanna check employment details. Now, Michael, we have you down as a plumber. Is that still correct? It is now changed.","start_word":341,"end_word":363,"intents":[{"intent":"Check employment details","confidence_score":0.39179528}]},{"text":"And is it a lot of field work, or do you spend time in the office? Yeah.","start_word":381,"end_word":397,"intents":[{"intent":"Determine job experience","confidence_score":0.00045081277}]},{"text":"And is it a lot of field work, or do you spend time in the office? Yeah. In the office.","start_word":381,"end_word":400,"intents":[{"intent":"Determine field work","confidence_score":0.008743132}]},{"text":"And how many hours per week? I think thirty eight hours a week or forty hours a Yep. week.","start_word":549,"end_word":567,"intents":[{"intent":"Check hours worked","confidence_score":0.00033227605}]},{"text":"When do you plan on starting maternity leave? Probably mid December. Mid December. And how long Yeah. do you think you will be on maternity leave for? Probably about a year.","start_word":682,"end_word":712,"intents":[{"intent":"Inquire about maternity leave duration","confidence_score":0.017733853}]},{"text":"And is that all paid, like, with the hospital, or what what is Is. I think yep. it's twenty Yep. six weeks now from February through the SenseLink, and then my job does an arrangement. You can do twelve weeks at full pay, or you can take, you know, double that time and half pay. Okay. So Okay.","start_word":717,"end_word":774,"intents":[{"intent":"Inquire about pay arrangement","confidence_score":0.0219458}]},{"text":"Income wise, Michael, we had you at 70. Has that changed? That was right?","start_word":824,"end_word":837,"intents":[{"intent":"Confirm income","confidence_score":0.20870522}]},{"text":"say would the does the 800 a week include the mortgage, or is the mortgage separate? Mortgage separate?","start_word":948,"end_word":965,"intents":[{"intent":"Inquire about mortgage coverage","confidence_score":0.01519111}]},{"text":"How much per week do you do on the mortgage or fortnightly, whichever frequency you pay it? Okay.","start_word":969,"end_word":986,"intents":[{"intent":"Clarify cost of mortgage","confidence_score":0.00005610437}]},{"text":"the like, the rates just when we first got our mortgage, the industry was higher. So Yep.","start_word":1017,"end_word":1033,"intents":[{"intent":"Compare rates","confidence_score":0.0017008806}]},{"text":"I am going to when you have a chance, you'll see that in your emails that you will have a annual review document.","start_word":1981,"end_word":2003,"intents":[{"intent":"Discuss annual review","confidence_score":0.07766185}]},{"text":"So, Michael, your super is with hub twenty four where you both are. Your balance sits at about $127,011, Yep. Yep. and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund. Megan, your sorry.","start_word":2126,"end_word":2169,"intents":[{"intent":"Discuss coverages","confidence_score":0.0017800848}]},{"text":"Megan, you're insured for about a million dollars, just over a million dollars. Michael, you're insured for about $445,000. So there's definitely a need to look at reviewing these. It it it's really just probably dependent on your time frame and when you wanna do it. Alright. Sorry?","start_word":2349,"end_word":2396,"intents":[{"intent":"Review and review funds","confidence_score":0.0055908584},{"intent":"Assess performance and provide recommendations","confidence_score":0.000107197324}]},{"text":"And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid.","start_word":2725,"end_word":2751,"intents":[{"intent":"Evaluate portfolio recommendations","confidence_score":0.0009940198}]},{"text":"Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option.","start_word":3038,"end_word":3063,"intents":[{"intent":"Discuss portfolio options and gauge thoughts on portfolio","confidence_score":0.000008494509}]},{"text":"So you've got and I think it probably comes down to balance at the moment.","start_word":3064,"end_word":3078,"intents":[{"intent":"Inquire about portfolio balance","confidence_score":0.00021617209}]},{"text":"open to exploring more options and, like, maybe some more Aggressive approach.","start_word":3274,"end_word":3285,"intents":[{"intent":"Explore investment options","confidence_score":0.050226554}]},{"text":"So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor. So, typically, from the last risk profile, like, that's an eighty twenty split. So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael, Yep. you're a high growth, which is a ninety ten split. Yeah.","start_word":3290,"end_word":3349,"intents":[{"intent":"Complete risk profile","confidence_score":0.33560935}]},{"text":"I just wanted to understand from your perspective in your own words that how the Vanguard options came about. So that's beautiful.","start_word":3380,"end_word":3401,"intents":[{"intent":"Understand vanguard options","confidence_score":0.42724112}]},{"text":"Speaking of Vanguard, the next document in the pack is the Vanguard index chart. We supply this as a nice little visual. It explains well, if you look when you'd have a chance or if you're looking at it now, Yes.","start_word":3404,"end_word":3444,"intents":[{"intent":"Provide graph","confidence_score":0.09146707}]},{"text":"In a high growth portfolio, we always say you have an investment time frame of at least eight years. So given that you're both Michael, you've got twenty seven years, so you can access super. Megan, you've got thirty three years, so you can access super based on today's legislation Yeah.","start_word":3521,"end_word":3571,"intents":[{"intent":"Access super","confidence_score":0.26098776}]},{"text":"So and then, you know, the Australian bonds and the cash, they're the defensive part of your portfolio. So you will see over the long term, they do experience a little bit of growth as to say, but their job in the portfolio is to really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio.","start_word":3623,"end_word":3687,"intents":[{"intent":"Diversify portfolio","confidence_score":0.09398351}]},{"text":"The next order documents are your certificate of currency. So, Michael, at the moment, you're insured for life and TPD of 444,893, Yep. and your income protection is $4,423 per month.","start_word":3688,"end_word":3718,"intents":[{"intent":"Provide income","confidence_score":0.61953586},{"intent":"Discuss certificate of currency","confidence_score":0.055924736}]},{"text":"Doing a little calculation. Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior?","start_word":3727,"end_word":3761,"intents":[{"intent":"Calculate","confidence_score":0.063692994},{"intent":"Calculate","confidence_score":0.082551114}]},{"text":"Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior?","start_word":3730,"end_word":3760,"intents":[{"intent":"Explain","confidence_score":0.028179416}]},{"text":"Based on 85, we would book an income protection sum insured increase of $535 a month. We wouldn't be able to increase it to 70% of the 100,000 until you could prove that you were A earning whole for a whole year. Yeah. yeah.","start_word":3846,"end_word":3889,"intents":[{"intent":"Prove","confidence_score":0.072038025}]},{"text":"I'm gonna make a reminder for July 2026 to touch base about your or twenty seventh.","start_word":3916,"end_word":3931,"intents":[{"intent":"Make note","confidence_score":0.04176236}]},{"text":"In the event and we'll use yesterday as an example because we know nothing happened, in the event of either of you passing, what is the absolute bare minimum do you want covered? Is it debt?","start_word":4031,"end_word":4066,"intents":[{"intent":"Cover","confidence_score":0.22163609}]},{"text":"Is there anything else that you think that you would want covered in the events financially that you would need?","start_word":4437,"end_word":4456,"intents":[{"intent":"Discuss financial coverage","confidence_score":0.03331899}]},{"text":"With the income protection, we're gonna wait for you, Michael. Unfortunately, Megan, we Yep. Yes. can't do much for you at the moment either. But what I do wanna do is just check your income because I think yours might be pretty spot on, actually. Yeah.","start_word":4662,"end_word":4707,"intents":[{"intent":"Check income","confidence_score":0.1098583}]},{"text":"So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process.","start_word":4778,"end_word":4829,"intents":[{"intent":"Explain fee structure and fee structure","confidence_score":0.0065803425}]},{"text":"So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process. So that's available in your pack and also on the website. Any questions so far?","start_word":4778,"end_word":4844,"intents":[{"intent":"Provide guidance and information","confidence_score":0.0014769034}]},{"text":"Has So that that's what fee has that fee going up? no.","start_word":4986,"end_word":4997,"intents":[{"intent":"Explain fees","confidence_score":0.00012620566}]},{"text":"So if, for example, there was a really good month, you know, that 1.1% would be higher because of the growth on the portfolio. Now we're Yep.","start_word":5072,"end_word":5098,"intents":[{"intent":"Fix portfolio growth","confidence_score":0.24411796}]},{"text":"purpose we have it on file is we have that on file. The purpose we have it on file is because when we opened your super funds, you know, we had to provide that to hub twenty four to make sure you didn't get taxed too much. This is just due to privacy, etcetera, that you're acknowledging that, you know, we hold it on file for you and Yes.","start_word":5120,"end_word":5188,"intents":[{"intent":"Define purpose","confidence_score":0.0015075664}]},{"text":"But I'm going to jump into a risk profile questionnaire very quickly. No right or wrong answers in this. And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned. Yep.","start_word":5252,"end_word":5302,"intents":[{"intent":"Handle risk profile questionnaire","confidence_score":0.007085643}]},{"text":"And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned. Yep.","start_word":5271,"end_word":5302,"intents":[{"intent":"Discuss portfolio strategies","confidence_score":0.000076376},{"intent":"Discuss portfolio management","confidence_score":0.042410094}]},{"text":"For both of you, once an investment's been placed, how long would you need it before you can access capital? So that's for the both of you, longer than ten years given that it's your super. Yep.","start_word":5376,"end_word":5412,"intents":[{"intent":"Clarify investment duration","confidence_score":0.04548738}]},{"text":"What was the first two options? Sorry. Invest heavily for growth or invest modestly for growth? Maybe moderately.","start_word":5596,"end_word":5613,"intents":[{"intent":"Evaluate investment options","confidence_score":0.21944551}]},{"text":"And have you ever thought about taking out a loan to invest? So that could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home. I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't think. But Yep.","start_word":5800,"end_word":5866,"intents":[{"intent":"Evaluate investment options","confidence_score":0.118253246}]},{"text":"good exposure in your portfolio for those types of events. Believe Yeah.","start_word":6169,"end_word":6180,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.020883866}]},{"text":"Well, at least annually at an absolute bare minimum to make sure that anything any significant changes haven't occurred. So we would always be looking at those things. So for example, you know, later this week, I have a lot I'd I've barely fair few other reviews that I'll be having conversations about potentially decreasing the allocation to growth assets based on their proximity to needing to access super.","start_word":6432,"end_word":6500,"intents":[{"intent":"Review assets and determine if changes were made necessary","confidence_score":4.794025e-8}]},{"text":"So it goes there's a there's a number of factors that go into it, and we always stay on top of it and work together. Mhmm. Yeah.","start_word":6500,"end_word":6526,"intents":[{"intent":"Discuss whether members should remain on top of matters","confidence_score":7.623197e-9}]},{"text":"Your beneficiary forms, we're gonna get those sent out to you again to get them signed Mhmm.","start_word":6551,"end_word":6567,"intents":[{"intent":"Discuss the need for a new binding form for a new beneficiary nomination","confidence_score":0.0003331111}]},{"text":"The non lapsing will only ever be updated when you lodge a new form. The binding one means you need to update it every three years. So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant?","start_word":6701,"end_word":6765,"intents":[{"intent":"Evaluate the importance of non-lasing documents for establishing a binding vs. non-lasing form that they need to update","confidence_score":1.12027115e-23}]},{"text":"So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant?","start_word":6727,"end_word":6765,"intents":[{"intent":"Evaluate the importance of checking the relevance of changes in a new form","confidence_score":8.492362e-10}]},{"text":"Any are you happy with your annual review frequency, or would you like them more frequent?","start_word":6813,"end_word":6828,"intents":[{"intent":"Review frequency and recommend changes","confidence_score":0.000015624566}]},{"text":"So if that's something you wanted to look at down the track, we can probably pencil that in to have a chat about that next year if you like. Yeah.","start_word":7552,"end_word":7581,"intents":[{"intent":"Plan chat","confidence_score":0.0023436744}]}]},"sentiments":{"segments":[{"text":"Hello. It's Mark speaking. Hi, Michael. This is Jennifer from Oakview Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.10156551003456116},{"text":"Very good. Thank you.","start_word":16,"end_word":19,"sentiment":"positive","sentiment_score":0.5607267618179321},{"text":"Yourself? I'm well.","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.2670269012451172},{"text":"Thank you.","start_word":23,"end_word":24,"sentiment":"positive","sentiment_score":0.4952901005744934},{"text":"I'm well. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching Yep. purposes. That's Is no problem. that okay? Beautiful. And just to make sure that I'm speaking with the correct person, can you confirm your full nine full name, date of birth, and address, please? It's Mark Shawn Hogar, twenty first six nineteen ninety three, and it's 111 Longstreet, Point Vernon. Beautiful. Purpose of my call today is to ring and complete your annual review with your self Yep. I do and, have Megan. Megan Sorry. with me. Yep. Yes. She's with Yep. me as well. Hello? Beautiful. Hi, Megan. Can I also get you to confirm your full name, date of birth, and address, please?","start_word":25,"end_word":154,"sentiment":"neutral","sentiment_score":0.0687735453248024},{"text":"Fantastic. Thank you so much to the both of you for confirming that. How are you both doing today? And That's good. That's good. I'm good.","start_word":155,"end_word":180,"sentiment":"positive","sentiment_score":0.4660041928291321},{"text":"Thank you. Are you in the car at the moment? yourself? Yeah. Is it okay to still talk? Yes. Or Yes. Yeah. Absolutely. yeah? Okay. Alright. Fantastic. What I would like to start our review off by doing, if that's okay, is just running through the personal and financial information that you have on file. Because the last time we spoke, you were getting you were in a lead up to your wedding, and I suspect some things have probably changed since then. So I'd like to just run through if that's okay. Yep. So you're both now married? Yeah. Congratulations. And, also, do you have any dependents yet? No. But we are Christmas. Oh, congratulations. How far along are you? Okay, buddy. Three weeks. Oh, wow.","start_word":181,"end_word":307,"sentiment":"neutral","sentiment_score":0.0799940675497055},{"text":"That's very exciting.","start_word":308,"end_word":310,"sentiment":"positive","sentiment_score":0.47552740573883057},{"text":"Yes. We're So very when's happy. the due when's due date? Mid January? Oh, wow.","start_word":311,"end_word":325,"sentiment":"neutral","sentiment_score":0.11616110801696776},{"text":"That's that's fantastic. Oh, congratulations to you both. Exciting times ahead. Very exciting.","start_word":326,"end_word":338,"sentiment":"positive","sentiment_score":0.7490255832672119},{"text":"Yeah. Okay. I just wanna check employment details. Now, Michael, we have you down as a plumber. Is that still correct? It is now changed. Okay. Yeah. Okay. I am a plumbing inspector for Freight the Coast Council. Fraser Coast Council. Beautiful. And is it a lot of field work, or do you spend time in the office? Yeah. In the office. I'm not on the tools anymore. Yep. I just go ahead and inspect other plumbers' work. Mhmm. And then so, like, I'm driving around most of the day, but I spend probably a few hours in the office every day. So would it be like you previously had you had down about 80% field, which is on the out of the office, basically, and 20% in the office. Would that be correct? Or Yeah. I would if I would say pretty much yeah. yep. I would say Okay. that's the same. Okay. Beautiful. And when did you start with Fraser Coast Council? A month and a half ago. So Okay. July 11, was it? Oh, That's is okay. it the It doesn't eleventh? need to be Yeah. Yeah. Somewhere Doesn't need in there. to be exact. That's alright. And so you're an employee now? Yeah. Full time. Beautiful. And how many hours per week? I think thirty eight hours a week or forty hours a Yep. week. Thirty Yep. Beautiful. Now, Megan, I actually don't have a lot of information down here on file that's current. I know that you're probably gonna be coming up to maternity leave shortly. Let me just flick over to another screen. Sorry. Because excuse me. I just wanna make sure everything that we actually do have is up to date. Alright. Here we go. We had you done as a physiotherapist. Is that still right? Yes. Yes. Yep. Beautiful. In all in office Yeah. Yes. or Pretty in much. in in In clinic, a in a I hospital. should say. Yeah. Yeah. Hospital. In a hospital. Yeah. Yep.","start_word":339,"end_word":674,"sentiment":"neutral","sentiment_score":0.0005565545569489976},{"text":"Beautiful.","start_word":675,"end_word":675,"sentiment":"positive","sentiment_score":0.3953155279159546},{"text":"And full time still? Yep. Yep. When do you plan on starting maternity leave? Probably mid December. Mid December. And how long Yeah. do you think you will be on maternity leave for? Probably about a year. Yep. Okay.","start_word":676,"end_word":714,"sentiment":"neutral","sentiment_score":0.024668097496032715},{"text":"Fantastic. Beautiful.","start_word":715,"end_word":716,"sentiment":"positive","sentiment_score":0.5716553330421448},{"text":"And is that all paid, like, with the hospital, or what what is Is. I think yep. it's twenty Yep. six weeks now from February through the SenseLink, and then my job does an arrangement. You can do twelve weeks at full pay, or you can take, you know, double that time and half pay. Okay. So Okay. I yeah. But I think what we're sort of thinking at this stage is to take that Centrelink payment first, and then we'll probably do the next sort of twenty four weeks or half a day for my wage from work.","start_word":717,"end_word":815,"sentiment":"neutral","sentiment_score":0.023727700114250183},{"text":"Fantastic. Beautiful. That's a good plan.","start_word":816,"end_word":821,"sentiment":"positive","sentiment_score":0.6060196161270142},{"text":"Yes. Yeah. Income wise, Michael, we had you at 70. Has that changed? That was right? Your income, it's Yeah. Yeah. That's going up to 100. It's a 100 plus super. 100 plus super. Beautiful. And, Yeah. Megan, we had you at 94. Yes. It's I think it's around there $94.96 plus super. Yep. Beautiful. Okay. Yep. We had your expenditure per week of $400 each. So 800 between the two of you. Do you think that's still correct? I think all of our, yeah, expenses are roughly the same Yeah. Yep. Yeah. Except Just except for probably the mortgage and everything we pay for you. yeah. I suppose I if you're a was gonna No. That wouldn't be paid for you. Right? I don't know. say would the does the 800 a week include the mortgage, or is the mortgage separate? Mortgage separate? Yeah. Mortgage separate. How much per week do you do on the mortgage or fortnightly, whichever frequency you pay it? Okay. Beautiful. And is that the minimum, or are you paying extra? That's minimum. No. No. That's Minimum? extra. Well Yeah. Yeah. It is extra at the moment. Just with Okay. the like, the rates just when we first got our mortgage, the industry was higher. So Yep. our minimum premium Just you've just kept it.","start_word":822,"end_word":1041,"sentiment":"neutral","sentiment_score":0.011945248920131811},{"text":"Yep. Beautiful.","start_word":1042,"end_word":1043,"sentiment":"positive","sentiment_score":0.46570873260498047},{"text":"And we had your savings at $200 each week. Would that still be right? Yeah. Yep. Okay. And with the savings, is that going into an offset account, or is it going into a is it going any anywhere in particular? The is it tagged for anything? So what we do is we have our own separate accounts, and then we put extra money into our offset account. So we put these as soon as we get paid on alternate fortnight. I put in, like, 1,701 fortnight, then puts it in the next fortnight. So we save Yep. in that account, and then we do our have our own Okay.","start_word":1044,"end_word":1153,"sentiment":"neutral","sentiment_score":0.07711943238973618},{"text":"little savings Beautiful.","start_word":1154,"end_word":1156,"sentiment":"positive","sentiment_score":0.3488396406173706},{"text":"as well. So what's that? It's an extra they keep $800. Yeah. A week offset. Yeah. And then, whatever, like, say $200 if we're in savings for the fortnight. Okay. Yeah. You'll be the same. So Yep. Yeah. okay. Fortnight. So 200 each a fortnight personally just saving. Yep. Into the into In the the offset. offset? Yep. Yep.","start_word":1157,"end_word":1215,"sentiment":"neutral","sentiment_score":0.05903005972504616},{"text":"Fantastic. Got that. Beautiful.","start_word":1216,"end_word":1219,"sentiment":"positive","sentiment_score":0.417838990688324},{"text":"Either of you do do you both get the standard 12% in super, or do you get more? I've just selected the 12%. I did have Mhmm. the option to do 18, but Yep. I just for the meantime, I just selected the 12%. Is Yep. Okay. that salary sacrifice? Yeah. What I about think you I self, Megan? I think because of salary, it's 12 something on the top of my head. Yeah. Do you know what what hospital are you in Queensland Health? Yep. Yeah. Yep. I can look that up. That's easy. No. That's okay. Then also so asset wise, we have the house at valued at 700,000. Would that be correct still? I think the value we're actually Yep. better to get an evaluation done hopefully in the next couple weeks. I I generally think it'd be up around the 900. Yep. Okay. Okay.","start_word":1220,"end_word":1367,"sentiment":"neutral","sentiment_score":0.02114964956165971},{"text":"Beautiful.","start_word":1368,"end_word":1368,"sentiment":"positive","sentiment_score":0.4998452663421631},{"text":"And I had the I had the debt sitting at 600. Is Right that now, Brenna. Yeah. The debt we've got is, yeah, about 600. Yes. right? Yeah. It's Beautiful. something that's I just looked at it before. It's 618,000 is what we owe. Okay. Yep.","start_word":1369,"end_word":1414,"sentiment":"neutral","sentiment_score":0.038361962884664536},{"text":"Fantastic.","start_word":1415,"end_word":1415,"sentiment":"positive","sentiment_score":0.42499840259552},{"text":"And we had two cars. One valued at 15 and one valued at 5. Would that be right? Yep. Yeah. And no debt attached to those? No. No. Megan, we had a hex debt here of 40. Is that still Okay. Sorry? Oh, yeah. Of course. Thank you. And I also have a share portfolio noted here with a balance of about 1,000. Is that still current? Yep. Okay. Did you How much? Sorry? So 1,400 all up? Yep. Just kinda In keeps the away share as portfolio. a. Beautiful. Yes. Alright.","start_word":1416,"end_word":1507,"sentiment":"neutral","sentiment_score":0.030817441642284393},{"text":"Fantastic.","start_word":1508,"end_word":1508,"sentiment":"positive","sentiment_score":0.3862152695655823},{"text":"Now with your savings each, how much do you have in your savings account if you're comfortable sharing? It's up to I am sitting at I paid 50, baby. So it's George, but I'm sitting at 13,000. you. Yep. Beautiful. I've got 11. Yep. And how much is in your 5? 4. offset? With your savings, are you saving for anything in particular, or is it a rainy day fund or a an emergency fund? Yeah. It's probably like a baby emergency. And then we also Renovation. She's all yeah. Yeah. Our offset's primarily for our house, Yep. and we do use for a few entrances like the baby and whatnot. Yep. But we're hoping to upgrade our vehicle Yeah. because Yeah. Of course. Yep. Okay. So you use your savings to buy. Yep. wanted, like, a deposit. I mean, in the 19 year old, we we we had a car loan, but Yep. it's hard to Yep. come up with that cash. So Yeah. Okay. my headset is currently sitting at 26,800. Okay. 20 Oh. $6,800.","start_word":1509,"end_word":1685,"sentiment":"neutral","sentiment_score":0.011475703105498844},{"text":"Beautiful. Lovely.","start_word":1686,"end_word":1687,"sentiment":"positive","sentiment_score":0.5295031070709229},{"text":"Do you know what sort of car you're looking at? And I do sue They're amazing.","start_word":1688,"end_word":1703,"sentiment":"neutral","sentiment_score":0.1736796796321869},{"text":"I have one.","start_word":1704,"end_word":1706,"sentiment":"positive","sentiment_score":0.434233158826828},{"text":"No.","start_word":1707,"end_word":1707,"sentiment":"neutral","sentiment_score":0.3078133165836334},{"text":"It they're they're a great car, super reliable. Yeah. Fantastic, to be honest with you.","start_word":1708,"end_word":1722,"sentiment":"positive","sentiment_score":0.5169382095336914},{"text":"Yes.","start_word":1723,"end_word":1723,"sentiment":"neutral","sentiment_score":0.30798760056495667},{"text":"I love Good.","start_word":1724,"end_word":1726,"sentiment":"positive","sentiment_score":0.4723716378211975},{"text":"mine. That's good to know. Assets and liabilities wise, anything else that you have? It's gonna a vote now? Yeah. Yeah. Beautiful. And I how much think is that? prop I reckon that would be probably worth around the 6 to seven. Yeah. Yeah. We Okay. inherited Beautiful. that from our family. But we we don't like we're not in a life stage being able to go out on the phone. Oh, yeah. So So we're gonna get rid of it, I think. Yeah. Okay. Too easy. Beautiful. Yes? Yeah. That's what it is. Yeah. I think Oh, alright. Fantastic. so. Now with your health and lifestyle, you're both are you both still nonsmokers? Yep. Yep. Beautiful. Do you take any medication or have any significant health issues? No. Do you have private health care? Yes. Yep. And who's that with? We're actually separate. Yep. Mine is with HCS. Yep. I think it's with CUA. CUA. C u a. Beautiful. Alright. And do you have wills or power of attorney? No. Okay. Yes. Yes. Yes. I can talk to you more about that as well and help guide and give you some some pointers if you like. What I'm going to do is your boss will receive I'm just gonna see. I didn't fill out my what's the The nomination. Yeah. I haven't done my email. You should do that. No. That's okay. It's on here for me to get those over to you, so that is absolutely fine. Don't stress too much. I am going to when you have a chance, you'll see that in your emails that you will have a annual review document. So I'm gonna talk to these a little bit with that. Sorry. One moment.","start_word":1727,"end_word":2016,"sentiment":"neutral","sentiment_score":0.02828077131496935},{"text":"It's the computer is not playing nice with me today.","start_word":2017,"end_word":2026,"sentiment":"negative","sentiment_score":-0.5309450626373291},{"text":"You'll both receive it, and it's gonna have the documents that I'm gonna talk through with you both attached. There are some signature pages at the end, but when you click on the link, you won't need to you click sign, and it will open the documents, but you don't actually need to sign anything. We're gonna work walk through them first. And the first document in that pack is what we call our summary of insurances, a summary of superannuation insurances. So it's just gonna give you a very brief overview of the types of cover you have. So, Michael, your super is with hub twenty four where you both are. Your balance sits at about $127,011, Yep. Yep. and you're with MetLife and you're covered for life, TPD, and income protection, which is funded through your superannuation fund. Megan, your sorry. I'm looking skipping pages here. I'm gonna split my screen, actually. Megan, yours Yep. is also with Hub twenty four, and your sitting balance is sitting at 47,744. And your cover's with Zurich for life, TPD, and income protection. And, again, they're funded through your hub twenty four member balance.","start_word":2027,"end_word":2219,"sentiment":"neutral","sentiment_score":0.1177852898836136},{"text":"Now, Megan, it's probably gonna be a bit difficult for you to review covers at the moment when your pregnant insurance company is kind of put on hold covers.","start_word":2220,"end_word":2248,"sentiment":"negative","sentiment_score":-0.33828791975975037},{"text":"But it's potentially worth having a conversation and planning with a dependent and on on the way and debt levels and things such as thinking about if something was to happen to either of you, how would you financially survive? Would would the remaining partner go back to work and the time frame and all these really, really confronting questions. Yeah. So it is probably worth having a conversation about insurances and reviewing whether your covers are appropriate for your impending family change shortly. So Yes. we can we can do that now, or we can look at it later. Megan, you're insured for about a million dollars, just over a million dollars. Michael, you're insured for about $445,000. So there's definitely a need to look at reviewing these. It it it's really just probably dependent on your time frame and when you wanna do it. Alright. Sorry? Sorry? Yep. Alright.","start_word":2249,"end_word":2399,"sentiment":"neutral","sentiment_score":-0.061416692192980786},{"text":"Beautiful.","start_word":2400,"end_word":2400,"sentiment":"positive","sentiment_score":0.5757421255111694},{"text":"I will I'll revert back to that shortly and ask a few more probing questions. So I apologize in advance for that. The next document that you will both see in your pack is a performance report. Michael, I'll start with yours. Overall, the return sat at about 5.63%, and that's after fees. Within your funds, though, when you open the document, it hasn't performed as much as we would expect a high growth portfolio to perform, and that's mainly due to one of the funds that's held in there. And it's the very first one when you look at the report, Ben along Australian Equities Fund.","start_word":2401,"end_word":2507,"sentiment":"neutral","sentiment_score":-0.04245996102690697},{"text":"They unfortunately returned a negative return of 15.94% in the last twelve months.","start_word":2508,"end_word":2520,"sentiment":"negative","sentiment_score":-0.5963408946990967},{"text":"Yep.","start_word":2521,"end_word":2521,"sentiment":"neutral","sentiment_score":-0.19683419167995453},{"text":"The reason being not that the invest the Australian share market is underperforming in any means.","start_word":2522,"end_word":2537,"sentiment":"negative","sentiment_score":-0.4176049828529358},{"text":"It's the investment mandate that Banner Long adheres to. So their mandate is to identify what they feel are underperforming or undervalued sorry, undervalued funds within the Australian share market for growth opportunities. Last twelve months or so, it's been the banks and the big institutions that have performed from Holy. a growth perspective. So the the investment mandate, so to speak, have been along. And not that they're a bad investment manager, it just hasn't been hasn't been lucrative in the last twelve months or so. So what I would like to do with your permission, Michael, is look at other options that we could look at to replace Benelon Yep. just to to make sure that it's still it's appropriate to meet your goals and objectives, but also, you know, be proactive in our response to that. So, usually, we don't we're not super reactive to negative returns, but systemic ongoing ones, we start to look into a little bit further. Yeah. Definitely. Well, yeah, if it hasn't Beautiful.","start_word":2538,"end_word":2708,"sentiment":"neutral","sentiment_score":-0.10123959314404872},{"text":"performed over the last year, we can definitely look Beautiful.","start_word":2709,"end_word":2718,"sentiment":"positive","sentiment_score":0.3421265482902527},{"text":"at Yep. it elsewhere.","start_word":2719,"end_word":2722,"sentiment":"neutral","sentiment_score":0.1997006982564926},{"text":"Fantastic. Beautiful.","start_word":2723,"end_word":2724,"sentiment":"positive","sentiment_score":0.6584807634353638},{"text":"And the only other one in your portfolio that I do wanna have a look a little bit of a squeeze at is the beta bank hybrid. Now the Australian banking framework is gonna change in the in the next little bit, actually. January 2027, they're gonna be phasing out the Australian banks will phase out their hybrids. Rather than sit and wait, I would like to take the approach as to Jump into seeing it if now. there's a better yeah. Be a bit more proactive. See if there's a better option. I'm I'm not inclined to sit and wait and see what the replacement option will be offered from the banks. Yep. I mean, it's it's still doing a good return. It's still valued well presently. So I'd like to just see what are the implications, if any, of us looking at replacing that also if that's alright with you. Yeah. We can do that. Definitely.","start_word":2725,"end_word":2882,"sentiment":"neutral","sentiment_score":0.04916144162416458},{"text":"Fantastic.","start_word":2883,"end_word":2883,"sentiment":"positive","sentiment_score":0.48337674140930176},{"text":"And with the rest of your portfolio, you've got a pretty good allocation the international equity space at where at the moment we see a fair bit of value because you've got exposure to a lot more larger companies. Within the portfolio, you've got access to some niche markets being global cyber, battery and battery tech and lithium. You've got some Yep. gold exposure. So those niche markets, which we call satellite investments, you don't have a significant over you know, you're not significantly over invested in them, but you've got exposure to them. And then you've also Yes. got some exposure to China as well, which is a emerging economy as always.","start_word":2884,"end_word":2996,"sentiment":"neutral","sentiment_score":0.0937887504696846},{"text":"So your portfolio, we're pretty happy with as an overall.","start_word":2997,"end_word":3006,"sentiment":"positive","sentiment_score":0.3466876149177551},{"text":"It's just those two options that we'd like to look at investigating a little bit further. Yeah. No problem.","start_word":3007,"end_word":3025,"sentiment":"neutral","sentiment_score":0.12605808675289154},{"text":"Beautiful.","start_word":3026,"end_word":3026,"sentiment":"positive","sentiment_score":0.4213661253452301},{"text":"Now with yours, Megan, you've got the two funds within yours. Your and I just wanted to talk to you a little bit more about yours and how these came around and whether it was an option. So you've got and I think it probably comes down to balance at the moment. It's you're in the Vanguard diversified growth model and the Vanguard diversified high growth model.","start_word":3027,"end_word":3093,"sentiment":"neutral","sentiment_score":0.04295551776885986},{"text":"Great funds. Yeah. I like Vanguard. Good old Vanguard. They're fantastic.","start_word":3094,"end_word":3104,"sentiment":"positive","sentiment_score":0.5504124760627747},{"text":"I just wanted to get a gauge of where you're at with that. I mean, we could probably look at investing you across a a portfolio similar to Michael's, but I do worry if the exposure in some of those are only gonna be, you know, like, a thousand dollars here or there until Yeah. your super balance continues a little more. So I really wanted to probably gauge what your thoughts were on that. Yeah. I I think, like, I think I was quite conservative Yeah. in my collections Yeah. at the shop Yep. just because I'm, like, more of a sort of an anxious person when it comes to money, whereas it makes very much like money comes and goes. Yep. So I think yeah. I'm absolutely open to it because I I feel like I have more belief in investing and, like, also just you guys, like, build that sort of trust because you see the change in the balance and everything. So I'm definitely Yeah. open to exploring more options and, like, maybe some more Aggressive approach. Yeah. Aggressive approaches.","start_word":3105,"end_word":3288,"sentiment":"neutral","sentiment_score":0.07088746130466461},{"text":"Beautiful.","start_word":3289,"end_word":3289,"sentiment":"positive","sentiment_score":0.3977779746055603},{"text":"So what we're gonna do shortly is complete a risk profile because I did note that you you are a growth investor. So, typically, from the last risk profile, like, that's an eighty twenty split. So we'd typically have 80% in growth assets, 20 in defensive, whereas, Michael, Yep. you're a high growth, which is a ninety ten split. Yeah. So we can definitely look at that as well, Yep. Megan. So I'll circle back to that risk profile as well along with the insurance. Yes. Yeah. Okay.","start_word":3290,"end_word":3377,"sentiment":"neutral","sentiment_score":0.06460228562355042},{"text":"Beautiful.","start_word":3378,"end_word":3378,"sentiment":"positive","sentiment_score":0.40698885917663574},{"text":"I just wanted to understand from your perspective in your own words that how the Vanguard options came about.","start_word":3379,"end_word":3397,"sentiment":"neutral","sentiment_score":0.15827764570713043},{"text":"So that's beautiful. I understand that.","start_word":3398,"end_word":3403,"sentiment":"positive","sentiment_score":0.6175427436828613},{"text":"Speaking of Vanguard, the next document in the pack is the Vanguard index chart.","start_word":3404,"end_word":3417,"sentiment":"neutral","sentiment_score":0.13301660120487213},{"text":"We supply this as a nice little visual.","start_word":3418,"end_word":3425,"sentiment":"positive","sentiment_score":0.3706511855125427},{"text":"It explains well, if you look when you'd have a chance or if you're looking at it now, Yes. Megan, I'm not sure, you will you'll see the top four assets. They're your growth assets. So they're the one that I alluded to that it's for Michael, you're invested in 90% Yep. of it. Megan, at the moment, you're about 80%, and they're they're your growth assets. So you'll see Yeah. that in the chart, they're the ones that experience the most volatility, and you can attribute a lot of the volatility to world events. In a high growth portfolio, we always say you have an investment time frame of at least eight years. So given that you're both Michael, you've got twenty seven years, so you can access super. Megan, you've got thirty three years, so you can access super based on today's legislation Yeah. and Yeah. super access rules. You have time on your side. So you are able to take that Yep. to the Right higher away. risk. If Yeah. Right away. a It's 100 Wednesday. percent. Yeah. Yeah. Yeah. If you were five years away, we'd be having a different conversation. Yeah. Yeah. So and then, you know, the Australian bonds and the cash, they're the defensive part of your portfolio. So you will see over the long term, they do experience a little bit of growth as to say, but their job in the portfolio is to really just diversify and bring the growth allis the growth allocation down, but also provide some income within the portfolio. The next order documents are your certificate of currency. So, Michael, at the moment, you're insured for life and TPD of 444,893, Yep. and your income protection is $4,423 per month. Now what I'm going to do sorry. Doing a little calculation. Based on your new age, have you only just your has your increase only just started as of July, or were you earning about the 100,000 in the twelve months prior? I I think I'm probably moved up more to, like, 85, yeah, in the last twelve months. Yeah. But, Okay. yeah, obviously, that hundred's only just started from July. Yeah. I think what we might do is have a look So at I'm just gonna do another quick calculation. $495.08. Yeah. At the moment, I don't think it's worth looking at increasing your income protection. The reason being Yeah. and I can put this all in an email for you guys to have a consider. Based on 85, we would book an income protection sum insured increase of $535 a month. We wouldn't be able to increase it to 70% of the 100,000 until you could prove that you were A earning whole for a whole year. Yeah. yeah. A whole year. Yeah. Totally Yep. understand. Yep. So it's it's best So off leaving that for now, but potentially increase the life insurance. Yeah? 100%. I'm gonna make a reminder for July 2026 to touch base about your or twenty seventh. Sorry. Touch base about Yeah. your IP. We would the reason why we wouldn't do it now is I mean, we could do it now, but then you're paying for a premium that you're not actually able to claim on. So Yeah. it's Exactly.","start_word":3426,"end_word":3975,"sentiment":"neutral","sentiment_score":-0.0013647584075277502},{"text":"not So it's what's not the point? of any exactly. Yeah. There's no benefit to you whatsoever.","start_word":3976,"end_word":3992,"sentiment":"negative","sentiment_score":-0.43415021896362305},{"text":"Yeah. So I'm gonna make a note of that. But with your life and TPD, what I probably wanna understand from the both of you because it's gonna I'd say your answers are gonna be probably somewhat similar. In the event and we'll use yesterday as an example because we know nothing happened, in the event of either of you passing, what is the absolute bare minimum do you want covered? Is it debt? So the house repaid? Yeah. House paid off. Yeah. No debt. Yep.","start_word":3993,"end_word":4078,"sentiment":"neutral","sentiment_score":-0.033915407955646515},{"text":"And, obviously well, yeah, little one on the way, probably Mhmm.","start_word":4079,"end_word":4089,"sentiment":"positive","sentiment_score":0.35838961601257324},{"text":"probably some security in that part as well. Yep. So would you let's say worst case scenario, after time of grieving and getting back on your feet and navigating the new world, Do you think you would both return to work? I think I'd have to. Yeah. I'd Yeah. have to. Yeah. Yeah. Well, Do you it yeah. yeah.","start_word":4090,"end_word":4148,"sentiment":"neutral","sentiment_score":-0.03681078553199768},{"text":"It's hard.","start_word":4149,"end_word":4150,"sentiment":"negative","sentiment_score":-0.3338640332221985},{"text":"It is. We've been looking It looking is, isn't at it? Yeah. After So having it, like yeah. If the kid comes along and, yeah, all of that, then, mhmm. yeah, there it Definitely needs family. Yeah. Yeah. Yeah. It would probably be probably part time, I would say, if anything. Exactly. Yeah. Yep. So we've so if the debt was repaid repaid, what do you think taking away any expenses, like education expenses, anything like that, what would you need a week to survive with no debt? So you just have your normal expenses. Would it can remain 800? What you're doing I'd probably spending now? yeah. I'd probably say more, probably a thousand maybe. A thousand. Yep. Oh, yeah. True. I don't I don't Yep. I'm thinking, like, $300, so food, meals. Yeah. I like electrical, all that other stuff. So yeah. Yeah. Leave it at a 100, I would say. Yep. And do you think you would need childcare? Yeah. Yeah. Possibly. Yeah. Which Yep. what's that? That's Yep. $200 That's okay. I've a day. got figures that I can I can use for Probably that? That's 10 alright. percent. We use Yeah. average Yeah. figures. I have All the things that you you don't think of yet, and then all of a sudden, it's, like, in your face. Okay. And alright.","start_word":4151,"end_word":4375,"sentiment":"neutral","sentiment_score":-0.010752389207482338},{"text":"So that's fine. That helps me a little bit.","start_word":4376,"end_word":4384,"sentiment":"positive","sentiment_score":0.4088809788227082},{"text":"And with education, I guess, hard question to answer unless you guys had a chat about it. Are you thinking private or public education? Mhmm. Yep. I don't know what they're called specifically. No. That's okay. That's alright. That gives me something to work with definitely Yeah. for the both of you. Is there anything else that you think that you would want covered in the events financially that you would need? Because you also have super balances as well. So we'd work that out backwards as to what the need of income is. Yeah. Oh, sorry. The life insurance would be. So I'll Yeah. work that backwards. Anything Yeah. else that you can that you feel I may have missed? Not that I can think of. To be honest, maybe I don't know if we'd go back to work straight away. So having No. that No. Yeah. It would Yeah. be, like, a good year or so of probably well, Yep. for myself, Yep. that's what I probably Yes. Yeah. would No. I expect. I I always allow I can't for believe that in that. my calculations because Yeah. you can't Yeah. it's it's not possible. It's Yeah. and it's not realistic. With the TPD cover, what we look at is typically the things that we've spoken about, but also out of pocket medic well, not out of pocket medical expenses. It's ongoing care. So I might I'd look at those levels of cover that we've talked about for life and look at the TPD ongoing care Yeah. and have a look at that to see what what kind of figures we're looking at needing. Yep. With the income protection, we're gonna wait for you, Michael. Unfortunately, Megan, we Yep. Yes. can't do much for you at the moment either. But what I do wanna do is just check your income because I think yours might be pretty spot on, actually.","start_word":4385,"end_word":4706,"sentiment":"neutral","sentiment_score":-0.021566232666373253},{"text":"Yeah. Yours is perfect.","start_word":4707,"end_word":4710,"sentiment":"positive","sentiment_score":0.4464538097381592},{"text":"No. Without a word of a lie to the dollar.","start_word":4711,"end_word":4720,"sentiment":"neutral","sentiment_score":-0.033631809055805206},{"text":"So your income protection is absolutely perfect at the moment.","start_word":4721,"end_word":4730,"sentiment":"positive","sentiment_score":0.33343735337257385},{"text":"What what we can do is I'm just gonna do a little bit of investigating on that and see how that works while you're on maternity leave. So I'm gonna come back to you on that. The next document in the pack is our financial services guide. So that will just explain to you who we are, who we're licensed by, that we're licensed through, what kind of advice we provide, how we provide it, our fee structure, and, also, if you don't like us or we've done something to upset you, how to make the actual complaint process. So that's available in your pack and also on the website. Any questions so far? No?","start_word":4731,"end_word":4845,"sentiment":"neutral","sentiment_score":0.045726120471954346},{"text":"Beautiful.","start_word":4846,"end_word":4846,"sentiment":"positive","sentiment_score":0.5514691472053528},{"text":"The next document is consent to new ongoing service or the ongo the ongoing fee arrangement. So what it is is based on a percent fee of 1.1% of your balances. So I will break that down monthly. So, Michael, for yourself, that is $1,397.12, which is a click equates to a $116.43 a month for yourself, which is funded from Hub twenty four. And, Yep. Megan, yours is $525.18, and that's $43.77 a month. And that's funded from your Hub twenty four account. So what that does is that allows us to remain your advisers. That's Yep. our fee. And you're not limited to, you know, one review a year. If there's something that changes within your circumstances and you need advice, you just pick up the phone, reach out.","start_word":4847,"end_word":4977,"sentiment":"neutral","sentiment_score":0.13463307917118073},{"text":"Questions, you know, we're here to help.","start_word":4978,"end_word":4984,"sentiment":"positive","sentiment_score":0.33482277393341064},{"text":"Yeah. Has So that that's what fee has that fee going up? no. So it's 1.1%. It's based on 1.1%. So it would have gone up a little bit based on the increase in your balance, but it will be fixed for the next twelve months. So it's based it's calculated on 1.1, but then fixed and then divided Yeah. by fixed at a dollar fee. So it used to be that it would be it would fluctuate each month based on the account balance. Yeah.","start_word":4985,"end_word":5070,"sentiment":"neutral","sentiment_score":-0.04651152715086937},{"text":"So if, for example, there was a really good month, you know, that 1.1% would be higher because of the growth on the portfolio.","start_word":5071,"end_word":5094,"sentiment":"positive","sentiment_score":0.38489198684692383},{"text":"Now we're Yep. fixing it for transparency. We Okay. have You fixed it in. Okay. that Yep. on file. The Yep. No. That's all good. purpose we have it on file is we have that on file. The purpose we have it on file is because when we opened your super funds, you know, we had to provide that to hub twenty four to make sure you didn't get taxed too much. This is just due to privacy, etcetera, that you're acknowledging that, you know, we hold it on file for you and Yes. that you're comfortable in doing so. So those two documents are the only ones that we do require your signature on from the pack. So when and if you're comfortable to sign those, I'd ask you to do that. And we then I can I can still start working on all the other stuff I'm gonna start working on in the meantime? Yep. But I'm going to jump into a risk profile questionnaire very quickly. No right or wrong answers in this. And, Megan, this is gonna help me look at your risk profile and how we can maybe look at changing your portfolio to a little bit more aggressive as you mentioned. Yep. So for the both of you, what is the most aggressive investment you've ever made? Shares? I know, Megan, you've made shares. Michael, what about yourself? What would it be managed funds or shares? No. I haven't really done any of that. No? Okay. So your super fund holds managed funds in there. So are you comfortable with me putting managed funds down? Yeah. Yeah. Yeah. Because you have yeah. No worries. Alright. For both of you, once an investment's been placed, how long would you need it before you can access capital? So that's for the both of you, longer than ten years given that it's your super. Yep. Yep. Yeah.","start_word":5095,"end_word":5414,"sentiment":"neutral","sentiment_score":0.08537367731332779},{"text":"Beautiful.","start_word":5415,"end_word":5415,"sentiment":"positive","sentiment_score":0.6208685636520386},{"text":"The next question, is inflation means that things are getting more expensive over time and making our current dollar worth less for the future? How much risk are you willing to take to keep up with inflation rises? Number one would be accepting a very high risk. Number two would be just a risk. Number three would be moderate risk. Four is a small amount to keep up with inflation, or number five, you're unwilling to take any risks. I'd probably end some moderate risk myself. I don't know about Yep. me. Yeah. Yep. Probably just do a risk. Yep. Beautiful. Alright. In the how would you feel if six months after investing, you found that your portfolio decreased by 20% due to the just the general trends in the market? So if you think back to that Vanguard chart, that Yeah. that's just how a general trend. So would you be investing heavily for growth, investing modestly for growth? Would you hold and wait to see improvement? Would you shift to secure assets, or would you convert to cash? What was the first two options? Sorry. Invest heavily for growth or invest modestly for growth? Maybe moderately. Yeah. I would say moderately. Yep. Yep.","start_word":5416,"end_word":5620,"sentiment":"neutral","sentiment_score":-0.09566031396389008},{"text":"Beautiful. You both have the right head the right way of thinking.","start_word":5621,"end_word":5632,"sentiment":"positive","sentiment_score":0.4228683114051819},{"text":"When a market's so low, my first inclination is to put money in. Yes.","start_word":5633,"end_word":5646,"sentiment":"neutral","sentiment_score":0.06001153960824013},{"text":"So you think thinking the right way. That's great.","start_word":5647,"end_word":5655,"sentiment":"positive","sentiment_score":0.4905698299407959},{"text":"So what kind of return do you expect to get from your investments over term over long term? 8% or above, six to 8%, four to 6%, two to 4%, or zero to 2%? Probably six six to eight. Okay. In an Yep. ideal world, the higher, Yep. So both the six to eight. better. Yeah. Okay. Have your investments, including your superation, ever dropped in value? And if so, how did it make you feel? Optimistic about future investments? Cautious with no further investment plans? Concerned? Or highly anxious? I think I tend to sort of just be like, oh, it's because I'm young, I suppose, I Yep. think, like, oh, it's, like, it's just a little drop. It'll go back up sort of thing. Like, it happens. Yep. Yep.","start_word":5656,"end_word":5786,"sentiment":"neutral","sentiment_score":-0.027665016148950308},{"text":"Yeah. So optimistic about the future. Yeah.","start_word":5787,"end_word":5793,"sentiment":"positive","sentiment_score":0.5674581527709961},{"text":"Yep. I would Yeah. say.","start_word":5794,"end_word":5798,"sentiment":"neutral","sentiment_score":0.25587955117225647},{"text":"Beautiful.","start_word":5799,"end_word":5799,"sentiment":"positive","sentiment_score":0.578650951385498},{"text":"And have you ever thought about taking out a loan to invest? So that could be open to borrowing for stocks and funds, open to borrowing for an investment property, or just borrowing solely for your home. I think in the future, we'd like to look into investing with property, but I would never I wouldn't take out a loan for shares, I don't think. But Yep. the I don't Beautiful. know. I'm not sure. What about you? No. Yeah. Yeah. We'll do. It'd be the same. It'd be for property, probably not for shares. Yeah. Yep. Haven't Nope. even That I to helps. be honest, I didn't I haven't even thought about that. Yeah. Yeah. Nope. Neither have That's I. it just helps us gauge your tolerance to risk. Like, it's not a perfect tool. It just helps Yeah. us you have a little bit of an understanding of your tolerance. That's all that this is designed to do. So Yeah. you both actually came out as growth investors, Mhmm. which is the 20%. So you also came out gross last time, Michael, but you opted to go for a high gross investment. Yeah. Yeah. So I think probably Stay stay at that. it's as long as you're comfortable with that, is there any have you had any significant concerns? Have you been, you know, logging in constantly and stressing about any market trends or fluctuations that you've experienced? Oh, no. I haven't I haven't looked at, like, the the portfolio, like, crazy. Mhmm. Like, I don't log in all the time and, like, oh, no. Why am I losing money? But that like, I do log in every now and then, every couple of months, and, you know, Mhmm. you see the ups and downs, but it's yeah. It's a part of it, isn't it? Yeah. It is. And I you're think comfortable I think with it?","start_word":5800,"end_word":6118,"sentiment":"neutral","sentiment_score":0.01489187394587037},{"text":"Yeah. I think for the most part, I Yep. feel pretty positive about it all.","start_word":6119,"end_word":6133,"sentiment":"positive","sentiment_score":0.6031572222709656},{"text":"Like As you as we said, we're young. The only thing I'm worried about is if we go to war and then we lose it all, Mhmm. which Well, you've you've got some fingers crossed. good exposure in your portfolio for those types of events. Believe Yeah. it or not, those types of events usually depending, it can generate a lot of growth, typically, if we look back at the at markets. Yeah. So, yeah, it's it's there's always a risk. It's just being I for me, it's the passing the sleep at night test. So if you're sleeping at night and you're not concerned about your superannuation and your balance, then I think a high growth portfolio would be appropriate Yeah. to maintain Yeah. I For think we yourself leave it. yeah. For yourself, Yep. Megan, that would mean if you wanted to go similar to Michael with a ninety ten split, that means we'd be we'd essentially be increasing approximately an extra 10% of your assets into those top four on the Vanguard chart, so your gross assets. So it would Yeah. be, again, for you, the sleep at night test. Is it something that you'd be comfortable with Yeah. knowing that long term as you said, using your words, you have time to ride the wave? It's it's more about your comfort. Yeah. Yeah. I think at this juncture, I'm certainly, like, feel comfortable about that. Like, as you said, riding the wave again. Like, I Yeah. think we've got time to ride the wave. We've got time on our side. So I Mhmm. I think for now, certainly, I would feel comfortable, you know, maybe in ten years, maybe not. And that's what these reviews are for. So we touch base quite regularly. Well, at least annually at an absolute bare minimum to make sure that anything any significant changes haven't occurred. So we would always be looking at those things. So for example, you know, later this week, I have a lot I'd I've barely fair few other reviews that I'll be having conversations about potentially decreasing the allocation to growth assets based on their proximity to needing to access super. So it goes there's a there's a number of factors that go into it, and we always stay on top of it and work together. Mhmm. Yeah. Easy. Alright. So those I'm gonna I've got some homework to do myself. But before anything else, I'm gonna ask a few more questions. Your beneficiary forms, we're gonna get those sent out to you again to get them signed Mhmm. and get back to us because at the moment, you've got no beneficiaries. So what that means look. You It were will married. be a not The it'll be Well, a the nightmare to get all of it. Yeah. It won't be a nightmare because the trustees will say that you're married and you're each other's financially dependent spouse, etcetera. But it would take not longer than normal, which is in Yeah.","start_word":6134,"end_word":6639,"sentiment":"neutral","sentiment_score":0.06257336473335391},{"text":"a situation like that, we don't want that to happen.","start_word":6640,"end_word":6649,"sentiment":"negative","sentiment_score":-0.36137112975120544},{"text":"So that's where that beneficiary form comes in handy. So I'll be making there's two types of beneficiary nominations you can choose. There's a binding or a binding. The difference is the only difference is is that one lapses and one doesn't. They're both found the trustees found by both forms. The non lapsing will only ever be updated when you lodge a new form. The binding one means you need to update it every three years. So if you're gonna nominate each other, would you just look at the non lapsing, or would you like to review it every three years and be forced to do a new one to make sure it remains relevant? I think we'll just what? Do a binding? Yeah. Yeah. If we ever need to change it, we can do so. We can always call up and change. Yeah. Yeah. Exactly. So non lapsing? Yep. Yep.","start_word":6650,"end_word":6801,"sentiment":"neutral","sentiment_score":0.07426994235107773},{"text":"Beautiful. Fantastic.","start_word":6802,"end_word":6803,"sentiment":"positive","sentiment_score":0.7773036956787109},{"text":"Couple of other quick questions before I sign off. Any are you happy with your annual review frequency, or would you like them more frequent? No. I'm happy with annual. With with the with the reviews of the super going up and down, Mhmm. Mhmm. do you reckon it's worth reviewing a little bit more frequently to see what comes and what goes and if it's doing well or if it's not like, because we're both aggressive now, should we Mhmm. have more reviews to so if things aren't working as well as what we want, we change them? Not necessarily because we wouldn't be we're gonna be meeting annually anyway. And anything that is significant, Not performing? we're gonna reach out, but we wouldn't necessarily change something reactively if something wasn't performing. So if it was short term, if there was a big event occurring that we felt needed some rather urgent advice to clients, we You'd would do call. that. Okay. We would do that exactly. Yep. But because the the philosophy of the let's let's call it the philosophy of the high growth is not a set and forget, but you're in it for the long run. So if something is underperforming, so the Benelon in your portfolio, Michael, for example, we've let that sit for a while because we're not gonna react to market conditions or changes. Yeah. We're gonna see what the systemic outcome of it is and see if it is something Okay. long term. So, Yeah. I mean, if there was anything in your portfolio that you were con you were concerned about, just reach out, and we Yep. would talk about that anyway. A z. Yeah. So the only other ops with looping back to insurance quickly, there's a type of policy called trauma insurance. It's a it's a, basically, it's a gap of a policy that that fills the gap basically for income protection and TPD where if you're diagnosed with a critical illness, and they they range from cancer, stroke, heart attack to some neurological diseases that you're paid a lump sum benefit, but it is funded by your personal cash flow. Typically, the levels of cover are of cover are recommended to replace out of pocket health expenses or ongoing costs, for example, and a a recuperation period because, typically, what we find is these illnesses aren't necessarily terminal. You're gonna go back to work at some point, and it might be that there's just some funds available to make a repayment on debt or allow you a bit of time to recover and so on. So that's the other policy that's available within the risk protection portfolio. And I just wanted to see what your thoughts were on that, whether you wanted to look at including that in the review when we're going to be looking at your life and TPD cover.","start_word":6804,"end_word":7287,"sentiment":"neutral","sentiment_score":0.00316871476382756},{"text":"I think I think I'm good.","start_word":7288,"end_word":7293,"sentiment":"positive","sentiment_score":0.6007187366485596},{"text":"Yeah. I think we're I think given our age and health status, I think maybe we leave it for now. Nope. That's absolutely fine. And your debt you're managing, you don't you're quite happy to to you know, do would you like any advice to pay that down quicker or within a certain time frame? Well, we're actually probably looking to, unfortunately, increase increase our mortgage because we're gonna be doing an extension on our home. Yeah. So, yeah, we're probably looking the opposite way at this stage. And then, hopefully, once I'm back at work and stuff, we can set it up to try and pay down quicker. Yeah. Yeah. You guys have plenty of time on your side, so no no Yes. worries there. We can always keep it on the back burner. And last thing I will bring up, something for you both to consider is when Bob is born, if you wanted to look at some sort of what we call an investment bond for kids where you can add a little amount monthly, fortnightly, weekly, whatever you like to grow a little nest egg for them, and it's it's it's doesn't form part of your taxable income or growth or anything like that. After ten years, it's tax free, so it's a nice little nest egg for kitties. Once they reach a certain age, you have full power over when they actually get Yep. access to it, and you can change it depending on, you know, what they're like as they get older. So if that's something you wanted to look at down the track, we can probably pencil that in to have a chat about that next year if you like. Yeah.","start_word":7294,"end_word":7581,"sentiment":"neutral","sentiment_score":0.01547470036894083},{"text":"That would be perfect. Yeah. That that'd be good.","start_word":7582,"end_word":7590,"sentiment":"positive","sentiment_score":0.4888233542442322},{"text":"Yeah? Alright. Yep.","start_word":7591,"end_word":7593,"sentiment":"neutral","sentiment_score":0.2436469793319702},{"text":"Beautiful.","start_word":7594,"end_word":7594,"sentiment":"positive","sentiment_score":0.509666919708252},{"text":"Do you have any questions for me today? I don't think so. I don't have any. I'm good. Yep. No? Okay. So what I'm gonna do is I'm gonna go away and do my homework. And what following this, what you can expect from here is that I will probably reach out to you in about two weeks or so, or our team will reach out just to book in another time to go over the advice, so the changes. So some of them being the investments in your super, the changes to the life and TPD insurance. And I'm just thinking that's probably it, really. They're Yeah. the bits Yep. of advice that I'm gonna be looking at. And, also, finally, would you like me to send you through a brochure for our professional partners that provide wills and power of attorney advice? Yep. Yeah. That might be good. That would be good. Yep. Yeah. Yeah. It's it's quite reasonable, to be honest with you. I've seen quite a few lawyers in my time and the cost of them. So these ones, I was actually quite surprised about the cost and how reasonable it is. And if you would like to after you've had a read of it, if you want an introduction, just shoot me an email back, and I'll arrange that. But, yeah, something that you've probably both, you know, giving you're gonna need to consider things like guardianship and all those awful Yep. things that you need to have a chat about, Yep. which isn't nice. No. It's But not it's necessary. yeah. Not yeah. Yeah. Exactly. And like all things in life, anything that's necessary is not generally nice to have a chat about, is it? Yep. Alright.","start_word":7595,"end_word":7887,"sentiment":"neutral","sentiment_score":0.02144604850140855},{"text":"Beautiful.","start_word":7888,"end_word":7888,"sentiment":"positive","sentiment_score":0.540298342704773},{"text":"Well, I will get that sent off to you. And in the meantime, if you have any questions, please reach out. But we'll be in contact in about two to three weeks because it just takes that amount of time to get the the research together and make sure that we're doing the right thing.","start_word":7889,"end_word":7943,"sentiment":"neutral","sentiment_score":0.17507077753543854},{"text":"Yeah. Awesome. No problem. Thank you. Beautiful. No. Thank you. And have a great day, and I'll speak to you both soon.","start_word":7944,"end_word":7965,"sentiment":"positive","sentiment_score":0.5934432148933411},{"text":"Alright.","start_word":7966,"end_word":7966,"sentiment":"neutral","sentiment_score":0.3283790946006775},{"text":"No problem. Thanks for your time. Thank you. Bye.","start_word":7967,"end_word":7975,"sentiment":"positive","sentiment_score":0.577419638633728}],"average":{"sentiment":"neutral","sentiment_score":0.03858346828622707}}}}