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Now asset wise, I have here two motor vehicles. One was last died at 37,000 and one was 32. Is that still the case? Mhmm. Oh, no. Oh, good. Mhmm. 25. And anything owing on it, or did that just pay outright? Mhmm. 36. Okay. Otherwise, I have home in contents about 70,000. Okay. Perfect. And savings about 3,000. Mhmm. Yep. Okay. Perfect. Otherwise, one credit card as well owing about 2,000. Perfect. Any other assets that we haven't gone through? Any other changes? Yep. Yep. Okay. Great. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case as well? Yep. Perfect. And any changes to your health in the last twelve months? Any significant health issues or injuries or any changes? Mhmm. Yep. Yeah. Yep. And that's kind of been managed since being on the medication. Like, the doctor's kind of happy. Yep. Great. Yep. Yep. Yeah. Yeah. Yeah. No. Perfect. Private health insurance. Do you have that? Okay. And when it comes to estate planning, I have here that you do have a will in the place. Is that correct? No? Everyone does. Yes. Yep. Yes. Yes. Yeah. Okay. And and it is very important. And, yeah, it's unfortunate, obviously, that that has happened, and I'm very sorry to hear that that's happened to family. Yeah. Yep. Yeah. And when you guys do wanna have a look at it or when you are in a position to do so, obviously, it is very important, like you said, especially for both your assets, but then also that power of attorney so that if something were to happen to you and your wife, you can make those decisions, and then also for for the kids. So do you guys have or know of, like, a law firm or anything close to you guys, Or do you okay. Mhmm. Mhmm. Okay. This cost. Yeah. That yeah. Let me double check here because the it does yeah. Now let me have a look here. So the the firm that you may have spoken through that we sent through was potentially CGM Lawyers. Now let me just check what the cost is. Okay. So just so you have it, for a basic will, which would probably your be like your it's not like it's, like, super complex with assets and trusts and stuff like that. So like you said, it's kind of like a simple will and a enduring power of attorney. So, obviously, so you can make those decisions on behalf of each other. For spouses, it's about a thousand dollars plus GST. So, obviously, a bit cheaper. So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like. That way, yeah, that way, whenever you guys do wanna have a look at it or you can give them a call and and have a bit of a chat, but then at least you kind of yeah. Because it's not regards to Super, you won't be able to have it for Super. So they're quite strict of how you can actually fund things through Super, and it has to kind of be related that way. So it would have to be an out of pocket expense. They might do a payment plan potentially, but worth having a chat to them and see. Yeah. Yeah. So I'll just I'll get it to just email that to you. Like I said, completely up to you. You will then at least have it in your inbox as a little reminder to whenever you have a moment, which you probably don't have a lot of with the three kids, that it's there if you do wanna have a have a bit of a chat to them or if there's at least as a pricing guide. So if you do go to another local firm, you at least have a bit of a comparison of pricing as well. Okay. Perfect. Now when it comes to your hub twenty four, though, so, obviously, your superannuation, I can see here that we do have Jessica nominated at a 100%. So that would mean that, obviously, if something were to happen to you, your hub twenty four super would go directly to her. Because she's a spouse, it will be tax free as well. So that's all set up anyway. Yep. Yep. Yes. It's not because it's a spouse, so the spouse is tax free. So it wouldn't matter if if it goes through the estate. Now, obviously, I'm not a lawyer, so I can't give you legal advice. So, obviously, if you do speak, just to the lawyer. But how we would generally work with superannuation is because it goes to your spouse, it's completely tax free. If it's usually a quicker process because if you have a correct nomination, which you do at the moment, which means a binding, non lapsing option. So binding means that you have basically the trustee, so your super fund are bound to follow your wishes. So you have a lot more certainty with the type of nomination. Not all super funds allow a binding. So some other super funds have, like, a nonbinding option, which means basically it's saying, oh, this is what we want to have happen, but it is ultimately up to the trustee to make a decision. Not the way you have. You have the the most certain option. So that would go directly to your spouse if something were to happen. That can be a lot quicker than going through the whole estate process, which can take a lot longer. Now, yes, now from a tax difference, the the lawyer was somewhat right, but not because of the spouse. So if you have it to a child, depending on the age of the child, there can be tax consequences. Now that is both if it goes directly to the estate or through super. So for example, if you have a child that is over 18 now there are different rules if they're studying or there's a disability involved. But if we assume not, if a child is just over 18, they can be taxed up to 302% medical levy surcharge. True. Yeah. Exactly. Now if the difference let's say, if you have it going through the estate and then from the estate, it is transferred to a child over 18, it would still be taxed for up to 30%, but it would not be the 2% medical levy. So that is potentially what the solicitor told your your your friends or or family if they had it going through adult children. So from that point of view yeah. Yes. The spouse, the way you have it right now, it's the quickest way, and it's completely tax free. So so, yeah, good question, though, to ask because it can get quite complex, especially with adult children or other interdependency relationships and stuff like that. That's just straightforward and tax free. So so but good question, though. Now, otherwise, what we typically touch on as well is, like, other goals and stuff that you are working towards or anything else you wanna, like, achieve. Obviously, it it seems like right now the main focus is making sure everything for your super is set up correctly, invested the right way, especially when you don't have contributions going in. Aside from that, is there anything you guys are working towards financially or nonfinancially in the next couple of years? Yes. Okay. Mhmm. Very good. Okay. Mhmm. Yes. Yes. And especially sometimes car loans, the interest can be a little bit higher as well. So it is good that you guys are kind of focusing on that, obviously, through the capacity. Yeah. Yeah. That makes makes sense. Okay. Perfect. Now when we are coming and, obviously, talking about your superannuation, so I have here that, ideally, you would like to retire at 65. Do you think that's still the case, or do you think if you can draw an income from your super at 60, you'd want to do that? Yeah. Yeah. It it's one of those things. A lot of people go, oh, 67. And I was like, okay. So you wanna work a bit longer? They're like, no. No. No. So 60 seven, most people, is because that's when age pension, if you're eligible, comes in. Yeah. I will put six and that's what most people don't think. So if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60. Now if you work part time or full time, there are restrictions between 60 and 65. You can still start drawing an income, but it's only up to 10% of your super balance each year. So you can still start drawing that up to 10 tax free. But if you're 60 and you're not working, you can take everything tax free or just do it like a regular income stream. Sorry. I'll just put about 60. And I do have here an ideal income of about $1,000 for yourself. Do you think that would be a good amount to cover bills and expenses? Do you think you'd need to draw a little bit less, bit more? Yeah. And that's to be fair what most people say as well. And, obviously, most people's goal is by the time you do retire, not having too much debt or any debt, and then it will just kind of covering living expenses, maybe some traveling, and stuff like that. Yep. Okay. Perfect. Yes. Yes. And then that way, obviously, everything is compounding for you and still being invested, which is it's not like it's just sitting in cash and say it will still continue to grow if it's obviously being invested. Okay. Perfect. Now when it comes to your risk profile, I wanna make sure if we need to make any changes to it. So what I will do is just go through just a bit of a questionnaire with you. It is multiple choice, makes it nice and easy, and there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense, Nathan? Yeah. Okay. Now have you ever bought direct shares yourself? No. And when it comes to level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Yes. So it's it's a it's a bit of a tricky one because, obviously, super is long term. And you don't you don't wanna make too many changes too quickly because there's also potentially capital gains tax and stuff like that that we wanna obviously manage for you. But at the same time, it's something that you can always adjust. So it is kind of, Yeah. Yes. Correct. Yep. Okay. And that that makes sense. And that kind of aligns. Alright. So what I might do then, actually, is kind of go through what those changes might look like from an asset allocation point of view. So, Nathan, do you have access to your emails at the moment? Yeah. Okay. So what I have done is I have just sent you an email with some documents to kind of give you a bit of an overview of where everything is at if you could access that for me. Yes. So about twenty minutes ago. And okay. Beautiful. Now we have also changed software, so it might look a little bit different to what you have previously have been used to. It's kind of the same concept. So what you do click on the link, Now the link will say sign now, but it will allow you to open up all the documents and view them first before it prompts you to sign. So if you can click on that for me. Now that's perfect. Now can you see the first document where it says summary of superannuation and insurances? Yes. Now with your, I do wanna check. So the TPA we have on file, and that is a third party authority that allows us to do research on your account has expired. They expire every couple of years. So what I have listed here for you is probably not super accurate because it's a little bit outdated. It's from the 01/16/2025. So in order for me to kind of obviously do all of this research for you, we need another TPA on file. It can take a bit of a process, but it seems like you have access to your account as well, do you, Like, with Mercer. So what I can do in the meantime to make this quicker for you is if you have the option of logging in to your account for me and just kind of read out a couple of things so I can update that, that would be great. Perfect. Because sometimes the TPA I will still because with Mercer, they needed to be wet signed. So I can still get the team through in the back end, post that out to you and and get it sorted, but it will take a little while, obviously. So we'll just do that in the back end. But, yeah, if I can get those now, then at least I can put all of this together for you now so I don't keep you waiting for for because that can take sometimes, like, a month or so. So it just makes it quicker. So let me know when you are logged in. Yep. That's all good? Oh, yeah. No. All good. I make it hard sometimes. It's good for security purposes, but I make it tricky sometimes, especially when you need, like, the authenticator app and everything. Oh, drives me crazy. Yes. Correct. The privacy, cybersecurity is a bit stronger, which is which is good. Okay. Okay. Could you read out yep. So can you read out your current balance as of today? 45. Perfect. Now can you see what investments you're currently invested in? Does it have, like, an investment name or anything like that? Have you changed changed it? Okay. Okay. Okay. Okay. Because I have here that when we did research on it on the 01/16/2025, it was invested in Mercer High Growth at a 100%. So if you haven't changed it okay. Okay. Great. Perfect. Now if you can go does it have, like, an insurance option? Yep. Could you read out to me your life insurance, how much you are covered for? Perfect. Does it have the premium there as well, how much you pay? Yep. Two sorry. Sorry. Was that $262.03 per year. And the total permanent disability? Yep. $5.05 3. And that's also per year? Yep. Perfect. And no income protection? Just the life and TPD? Yep. Okay. Perfect. Now while you're on that page, does it say when the opt in expires or anything? This is a opt in until a certain time frame. Because some have different time frames, or some, if you've just opted in as long as you have enough funds in there, it's okay. Mhmm. Okay. No. That's okay. What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time, which we can assist you with. Does it have your beneficiary nomination listed anywhere? Yep. Okay. Okay. Yeah. Because oh, beautiful. Because, yeah, again, what I have here from 2025 is Jessica was nominated. Sorry. That is that's that's good. Okay. Beautiful. Now that was basically all I needed, so thank you so much for obtaining that for me. Like I said, I will still get the team through post out that TPA. So when you see it in the post, it is just so that we can get it in the back end with Mazda. We can't change anything for you, but it allows us to just check every now and then to make sure everything is in order. But you've given me everything I need for the resetting right to get it started. So that's good. And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your current super balance. The the Mercer information, you can see there at least. The summary short stays the same, so that is good. Obviously, a little bit more in your Mercer account. Now next document, does that have a performance report with hub twenty four? Does it say that? Performance with I r r. Yep. Now you should have two. So they're both the same. It is just two different time frame. And that is just to show you as well kind of with the market. But this is like I said, I do wanna do a bit more in-depth with your investment. So when we are looking over the twelve month period first, so the one that you look at at the top is the same from the 07/14/2025 to the 07/13/2026? Yes. Perfect. So this is the 12 period. Now over the last twelve months, we've kind of already touched on there. There has obviously been some ups and downs in the market fluctuation. Now it also breaks down all your individual investments and how they have performed and what has happened in the market. Now if you look in the second column to the right, it should say internal rate of return, and it's like a percentage. Can you see that? Yeah. So the top one here is the one I wanna look at changing for you, which is your Benelung Australian Equi. The reason is that it is underperforming a little bit. Now the last three months, it has come back a little bit, but it's still underperforming to what we would like. So you can see that's in bracket, which means over twelve month period, it was down. All the others, you can see, are positive and doing well. So this is where yeah. So this is what I do when I look at changing this one. But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best option. So I will do all of that as part of the research. Now if you then click next for me, you should have the three month version. Yes. Okay. Perfect. So you can see here that it's still down, but it has come back up a bit, which is great. Because at the same time, we don't wanna sell it at the bottom. But if it's not gonna do the best for you, we also don't wanna just keep it and and hope for it to come back around if we foresee better options. So even in the last twelve months, it has done a little bit better, which is good. So like I said, I will go in a bit more in-depth in your investments, do some research for that, and and take everything and put together some different strategies. Now if you wanna go to the next document for me, you should have a Vanguard index chart, I believe. Yes. So this is the one that kind of relates back to those risk profiles we were talking about. So have you seen something like this before? Previous? Yeah. Okay. Perfect. So it's pretty straightforward in that, like, it just gives us a good overview of the market and kind of the ups and downs and different market fluctuations that can happen. So this one here goes back to 1995 through to 2025. You can obviously see the ups and downs. The market always goes up in the long term, but, obviously, short term, depending on kind of the events in the world, they're gonna go up a lit up and down a little bit. Now the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth. So it's still obviously wanna make sure that your super is growing, which is important. We don't wanna be too defensive either. Because if we're too defensive, then you're not gonna grow as smart, and then those fees might not outperform it. But at the same time, I understand if you wanna take a little bit like, a little bit more defensive approach than that high risk, especially with those fluctuations not seeing as big of a dip. So both growth and high growth are focusing on growing your super. The difference is the percentage of how much you have allocated to each option. So in a high growth, you can see on the right column, you can see the different kind of asset classes. So when we talk about growth assets, we talk about your top score. So that is your US shares, which is like the light green line, if you can see that. Yep. And then you have your dark green line, which is Australian shares. You have international shares, which is yellow, and then property as well, which is, like, the maroon color. So all those top four, we kind of combine into what we call your growth in investments. Now these are the ones you can see. They grow the most, also fluctuate the most. So at the moment, you have about 90% invested in these. If we look at moving to a growth, it's about a 10% difference. So it's about 80%. So 80% will still focus on growing, but instead of just having 10 in the bottom three, which is like your defensive investments, which you can see don't grow as much, but a bit more stable. So instead of having just 10%, it's shifting it a little bit and having about 20% in in that option. Does that make sense? Yeah. No. That's so good. That's why this one is so good because sometimes it's just easier to look at it that way. So what I can do is if you wanted to kind of look at reducing it one step is part of the research is put together and review different growth options and seeing what is going to be the best for you with your current situation. Yeah. Yeah. Yeah. Okay. And it's always something we can change. So if in, like, a couple of years, like, even if it's, like, two, three years and you go, you know what? You're back working or depending on what's going on, you might wanna look at changing it. It's it's something it's not like a set and forget thing. Yes. We don't wanna day trade your super because, obviously, fees and everything like that. Capital gains tax is not something we day trade, but at the same time, it's not something we just leave forever either. Because your life situation changed, market changed. But then, also, the older you get and the closer you do get to retirement, you do wanna potentially look at decreasing that risk. So, gradually, what we see, the closer and closer you get, you then kind of step down. The next will be, like, your balance growth and then balance, then you get, like, more defensive because you have less time for those fluctuations. Yeah. Yeah. Yeah. Yeah. It's a great question. So let's say when you sell investments that have gone up, you have to pay capital gains tax. The same as, let's say, you have an investment property and you sell that or any personal investment, you have to pay capital gains tax on the earning. The same goes for superannuation. Difference is yeah. So the difference is it's paid within the super environment. So it's not something that you pay for yourself. It's not something you would have to declare in your tax return or pay for yourself, but it is deducted within the super environment. So that is something that I would factor into the research because I also wanna minimize that for you. Correct. Potentially, if that is a good investment, if if that's one that's gone off a lot, then we wanna potentially potentially keep it, but maybe just reduce how much we have in it if it's, like, a a more of your high risk one. So that will be kind of part part of it is making sure we minimize the capital gains as much as possible, but at the same time, swapping out any investments that's necessary. All of that will be in that research document. So I will do all the math and do all the calculations, and there's a lot of different options to look at. And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information. Yeah. So it it gets a bit technical, but that's also what we are here to assist with. Yep. Does that make sense, Nathan? Yep. Yep. Perfect. Now the next document should be a Oakview services guide. Yep. Perfect. Again, you probably have seen this before. It is one of those kind of compliance documents that give you all the important information in regards to us here at Oakview. Now if you do have a bit of a scroll through it, and you're more than welcome to obviously go through this in your own time as as well and have a bit of a read over it. None of the important information has changed. But we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing. Now if you would like to put a face to the voice, because sometimes that's nice when we're talking over the phone so you actually know who you're talking to, if you wanna scroll down to page 10, you should actually see a photo of myself there. Yeah. And sometimes it is nice to be like, you know, it is someone here on the other side as well and actually knowing who you are talking to. Yeah. Perfect. Now the next document, Nathan, should be your ongoing service agreement, I believe. Yes. Now this is the one I touched on earlier. So that is your ongoing fee arrangement. Now like I said to you, it is not changing the fee structure. It stays exactly the same at 1.65. The biggest thing, it is not a lock in contract. So if at any point in time you decide, no. Even, let's say, we do the research and you go, yeah. Of course. Let's give it a go. Like I said, even if it's a week after that, if it's a month or six months, whatever it might be, if you feel it's not the right option for you, you can cancel it whenever you want to. It's not like a yearly amount deducted and you're locked in for twelve months. It is not like that. There's no exit fees or anything like that. Yeah. But, basically, by obviously signing it, it means that we can keep managing your investments and do the research and everything for you in the meantime. Yeah. Okay. Great. Perfect. Now the next document so, yeah, if you're happy to do so, it will ask you to add a little signature at the bottom there, and it would automatically add the date, I believe, as well. Yep. Now there is one more it will ask you to sign next, which should be your t p let me see. Your tax phone number opt in for? Yes. Sorry. This is just a compliance form to say that we are keeping your tax phone number secure and safe on file. And it will also ask if you're happy to do so, just put a little signature and a date box there as well. Yep. And then it should say validate, I believe. Yes. When you press validate, it will then automatically send it back to me. I can get all of that processed, but you can also go back. You can download all the documents if you wanted to, or you can ever just go back into the email whenever you want to if you do wanna have a read through any of the documents again as well. Yep. Okay. Perfect. Yep. I can see that has come through on my end, which is fantastic. Now what I wanna do as well while I have you on the phone is booking in a appointment to go through all that research with you. So it will take about a week for me to put it all together. So do you have any availability sometimes mid to end next week? Yep. Okay. Lovely. Hopefully, you get a good one, though. Yeah. Yeah. So I can either do Monday the twenty seventh in the afternoon, or if you do wanna get settled, we can do the Tuesday the twenty eighth. 20 seventh? Yeah. Okay. Let me yeah. No. That should be plenty. Now let me see. I could do 03:00. Would that work? When will you act Or I could do when do you normally have to do pickup? Okay. I can do 01:00 otherwise. So before kind of school rush, so the kids are not home, and you have to do that. Okay. Perfect. Okay. So I will sorry. 01:30. Would that be okay? Yeah. Okay. So I will lock that in on Monday, July 27 at 01:30. Now if you do wanna have if you can have access to your emails at the time, it will be good because there is a bit to kind of usually go through. I will send you the whole proposal, and we can go through it together. And then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do. Yep. Perfect. Now if anything does change, if you extend your holiday or, you know, you need to push it back, just even send me a text or email or call the office, and we can always get it rescheduled for you if you need to. Yeah. Perfect. Otherwise, like I said, the team will post out a TPA for you as well just so we can have it on file with Martha, but you've given me everything I need for this, which is perfect. And I will also get the team to email you that lawyer information just so that you have it handy if you need it. Yeah. Yes. Mhmm. Yes. No. It's something they automatically they always send in, and that is just to make sure there's, like, enough money in there for for fees and stuff like that. It all happens in the back end automatically and also something the investment team keep an eye on, but it's all kind of a setting in the back end through to making sure. So you don't have to worry about it. Sometimes it can be annoying if they send you a couple because it might sound like you need to do something. You're like, oh, what is happening? No. You don't have to. It's something that you just automatically send out when when because, obviously, with this market fluctuations, the value of investments go up and down. So it just kind of automatically rebalances out. Yeah. Not something you have to worry about. Yeah. Perfect. Now, Nathan, do you have any other questions for me at this point before I let you go otherwise? Yeah. That's okay. Mhmm. Contribution? Yes. Yes. Yep. Yes and no. Yes. Because it boosts your superannuation. So it means you have money going into superannuation, which is fantastic and over see compound. The reason why most people do it is aside from the super benefit is so that you can claim a notice of intent. So that maybe was something your accountant touched on, which is why you can claim the tax back. You have the biggest benefit by doing that if you're in a high income earner. So the higher income you're on, the more of the tax saving you will get back. If you don't earn an income and it's not money you've actually paid tax on, the tax benefit might not be the best option. In saying that exactly. In saying that, though, there are a lot of other different strategies to look at in this situation. So even if it gets closer to, I would say, absolute latest, maybe first week of June, just to give it enough time, that there are a lot of different strategies to look at instead. So if you are on a low income earner or, like, they're not earning an income, the government has a different scheme, which can be worth me considering for you at the time, which is called a government co contribution. Basically, what that is is if you put a little bit of money into superannuation, it is a voluntary contribution, but it's not something you claim tax on. The government, to help assist you because you'll be considered a low income earner, will put a little bit more money in. So, often, it's like if you put in a thousand dollars, they match and put 500 in. So from a overall benefit, that usually gives you a lot more because it's obviously a lot more like, it's 50¢ to the dollar versus the tax saving, which, in your case, if you're if you don't earn an income, wouldn't be. Exactly. So there's a lot of different way to consider. But, also, what we could look at is, especially if your wife is on a higher income, there are different strategies where she can make spousal contributions on your behalf into your super to get a bit of tax saving. She could potentially make voluntary contributions or salary sacrifice into her super. We can then shift some into yours. So it's kind of like there's a lot of different things you can do if one person is a high income earner and one a low income earner to benefit both of you. So, like, there's a lot of really good things we can do, so it's good that you guys are are thinking about it. And definitely something that we can we can even have chat to both of you closer to the end of the next financial year or just yourself if she doesn't wanna be involved. So, yeah, there's there's a lot of different things. Reassess. Yeah. Yeah. Okay. Sounds beautiful. Now, Nathan, any other questions for me? No. No problem. If there is anything you need, though, even between now and this July 27, just send me an email or give me a call. Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back. Mhmm. No problem. We'll speak soon. Okay. 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That's okay. I was like, I don't know if it was me or you, but I'm like, I'll call you back. Yeah. No.\n\nOkay. If it happens again, I'll I'll just call you back. Now asset wise, I have here two motor vehicles. One was last died at 37,000 and one was 32. Is that still the case?\n\nMhmm. Oh, no. Oh, good. Mhmm. 25.\n\nAnd anything owing on it, or did that just pay outright? Mhmm. 36. Okay. Otherwise, I have home in contents about 70,000.\n\nOkay. Perfect. And savings about 3,000. Mhmm. Yep.\n\nOkay. Perfect. Otherwise, one credit card as well owing about 2,000. Perfect. Any other assets that we haven't gone through?\n\nAny other changes? Yep. Yep. Okay. Great.\n\nNow when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case as well? Yep. Perfect. And any changes to your health in the last twelve months?\n\nAny significant health issues or injuries or any changes? Mhmm. Yep. Yeah. Yep.\n\nAnd that's kind of been managed since being on the medication. Like, the doctor's kind of happy. Yep. Great. Yep.\n\nYep. Yeah. Yeah. Yeah. No.\n\nPerfect. Private health insurance. Do you have that? Okay. And when it comes to estate planning, I have here that you do have a will in the place.\n\nIs that correct? No? Everyone does. Yes. Yep.\n\nYes. Yes. Yeah. Okay. And and it is very important.\n\nAnd, yeah, it's unfortunate, obviously, that that has happened, and I'm very sorry to hear that that's happened to family. Yeah. Yep. Yeah. And when you guys do wanna have a look at it or when you are in a position to do so, obviously, it is very important, like you said, especially for both your assets, but then also that power of attorney so that if something were to happen to you and your wife, you can make those decisions, and then also for for the kids.\n\nSo do you guys have or know of, like, a law firm or anything close to you guys, Or do you okay. Mhmm. Mhmm. Okay. This cost.\n\nYeah. That yeah. Let me double check here because the it does yeah. Now let me have a look here. So the the firm that you may have spoken through that we sent through was potentially CGM Lawyers.\n\nNow let me just check what the cost is. Okay. So just so you have it, for a basic will, which would probably your be like your it's not like it's, like, super complex with assets and trusts and stuff like that. So like you said, it's kind of like a simple will and a enduring power of attorney. So, obviously, so you can make those decisions on behalf of each other.\n\nFor spouses, it's about a thousand dollars plus GST. So, obviously, a bit cheaper. So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like. That way, yeah, that way, whenever you guys do wanna have a look at it or you can give them a call and and have a bit of a chat, but then at least you kind of yeah. Because it's not regards to Super, you won't be able to have it for Super.\n\nSo they're quite strict of how you can actually fund things through Super, and it has to kind of be related that way. So it would have to be an out of pocket expense. They might do a payment plan potentially, but worth having a chat to them and see. Yeah. Yeah.\n\nSo I'll just I'll get it to just email that to you. Like I said, completely up to you. You will then at least have it in your inbox as a little reminder to whenever you have a moment, which you probably don't have a lot of with the three kids, that it's there if you do wanna have a have a bit of a chat to them or if there's at least as a pricing guide. So if you do go to another local firm, you at least have a bit of a comparison of pricing as well. Okay.\n\nPerfect. Now when it comes to your hub twenty four, though, so, obviously, your superannuation, I can see here that we do have Jessica nominated at a 100%. So that would mean that, obviously, if something were to happen to you, your hub twenty four super would go directly to her. Because she's a spouse, it will be tax free as well. So that's all set up anyway.\n\nYep. Yep. Yes. It's not because it's a spouse, so the spouse is tax free. So it wouldn't matter if if it goes through the estate.\n\nNow, obviously, I'm not a lawyer, so I can't give you legal advice. So, obviously, if you do speak, just to the lawyer. But how we would generally work with superannuation is because it goes to your spouse, it's completely tax free. If it's usually a quicker process because if you have a correct nomination, which you do at the moment, which means a binding, non lapsing option. So binding means that you have basically the trustee, so your super fund are bound to follow your wishes.\n\nSo you have a lot more certainty with the type of nomination. Not all super funds allow a binding. So some other super funds have, like, a nonbinding option, which means basically it's saying, oh, this is what we want to have happen, but it is ultimately up to the trustee to make a decision. Not the way you have. You have the the most certain option.\n\nSo that would go directly to your spouse if something were to happen. That can be a lot quicker than going through the whole estate process, which can take a lot longer. Now, yes, now from a tax difference, the the lawyer was somewhat right, but not because of the spouse. So if you have it to a child, depending on the age of the child, there can be tax consequences. Now that is both if it goes directly to the estate or through super.\n\nSo for example, if you have a child that is over 18 now there are different rules if they're studying or there's a disability involved. But if we assume not, if a child is just over 18, they can be taxed up to 302% medical levy surcharge. True. Yeah. Exactly.\n\nNow if the difference let's say, if you have it going through the estate and then from the estate, it is transferred to a child over 18, it would still be taxed for up to 30%, but it would not be the 2% medical levy. So that is potentially what the solicitor told your your your friends or or family if they had it going through adult children. So from that point of view yeah. Yes. The spouse, the way you have it right now, it's the quickest way, and it's completely tax free.\n\nSo so, yeah, good question, though, to ask because it can get quite complex, especially with adult children or other interdependency relationships and stuff like that. That's just straightforward and tax free. So so but good question, though. Now, otherwise, what we typically touch on as well is, like, other goals and stuff that you are working towards or anything else you wanna, like, achieve. Obviously, it it seems like right now the main focus is making sure everything for your super is set up correctly, invested the right way, especially when you don't have contributions going in.\n\nAside from that, is there anything you guys are working towards financially or nonfinancially in the next couple of years? Yes. Okay. Mhmm. Very good.\n\nOkay. Mhmm. Yes. Yes. And especially sometimes car loans, the interest can be a little bit higher as well.\n\nSo it is good that you guys are kind of focusing on that, obviously, through the capacity. Yeah. Yeah. That makes makes sense. Okay.\n\nPerfect. Now when we are coming and, obviously, talking about your superannuation, so I have here that, ideally, you would like to retire at 65. Do you think that's still the case, or do you think if you can draw an income from your super at 60, you'd want to do that? Yeah. Yeah.\n\nIt it's one of those things. A lot of people go, oh, 67. And I was like, okay. So you wanna work a bit longer? They're like, no.\n\nNo. No. So 60 seven, most people, is because that's when age pension, if you're eligible, comes in. Yeah. I will put six and that's what most people don't think.\n\nSo if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60. Now if you work part time or full time, there are restrictions between 60 and 65. You can still start drawing an income, but it's only up to 10% of your super balance each year. So you can still start drawing that up to 10 tax free. But if you're 60 and you're not working, you can take everything tax free or just do it like a regular income stream.\n\nSorry. I'll just put about 60. And I do have here an ideal income of about $1,000 for yourself. Do you think that would be a good amount to cover bills and expenses? Do you think you'd need to draw a little bit less, bit more?\n\nYeah. And that's to be fair what most people say as well. And, obviously, most people's goal is by the time you do retire, not having too much debt or any debt, and then it will just kind of covering living expenses, maybe some traveling, and stuff like that. Yep. Okay.\n\nPerfect. Yes. Yes. And then that way, obviously, everything is compounding for you and still being invested, which is it's not like it's just sitting in cash and say it will still continue to grow if it's obviously being invested. Okay.\n\nPerfect. Now when it comes to your risk profile, I wanna make sure if we need to make any changes to it. So what I will do is just go through just a bit of a questionnaire with you. It is multiple choice, makes it nice and easy, and there's no right or wrong answer. It's just whatever you feel is the most appropriate for you.\n\nDoes that make sense, Nathan? Yeah. Okay. Now have you ever bought direct shares yourself? No.\n\nAnd when it comes to level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Yes. So it's it's a it's a bit of a tricky one because, obviously, super is long term. And you don't you don't wanna make too many changes too quickly because there's also potentially capital gains tax and stuff like that that we wanna obviously manage for you.\n\nBut at the same time, it's something that you can always adjust. So it is kind of, Yeah. Yes. Correct. Yep.\n\nOkay. And that that makes sense. And that kind of aligns. Alright. So what I might do then, actually, is kind of go through what those changes might look like from an asset allocation point of view.\n\nSo, Nathan, do you have access to your emails at the moment? Yeah. Okay. So what I have done is I have just sent you an email with some documents to kind of give you a bit of an overview of where everything is at if you could access that for me. Yes.\n\nSo about twenty minutes ago. And okay. Beautiful. Now we have also changed software, so it might look a little bit different to what you have previously have been used to. It's kind of the same concept.\n\nSo what you do click on the link, Now the link will say sign now, but it will allow you to open up all the documents and view them first before it prompts you to sign. So if you can click on that for me. Now that's perfect. Now can you see the first document where it says summary of superannuation and insurances? Yes.\n\nNow with your, I do wanna check. So the TPA we have on file, and that is a third party authority that allows us to do research on your account has expired. They expire every couple of years. So what I have listed here for you is probably not super accurate because it's a little bit outdated. It's from the 01/16/2025.\n\nSo in order for me to kind of obviously do all of this research for you, we need another TPA on file. It can take a bit of a process, but it seems like you have access to your account as well, do you, Like, with Mercer. So what I can do in the meantime to make this quicker for you is if you have the option of logging in to your account for me and just kind of read out a couple of things so I can update that, that would be great. Perfect. Because sometimes the TPA I will still because with Mercer, they needed to be wet signed.\n\nSo I can still get the team through in the back end, post that out to you and and get it sorted, but it will take a little while, obviously. So we'll just do that in the back end. But, yeah, if I can get those now, then at least I can put all of this together for you now so I don't keep you waiting for for because that can take sometimes, like, a month or so. So it just makes it quicker. So let me know when you are logged in.\n\nYep. That's all good? Oh, yeah. No. All good.\n\nI make it hard sometimes. It's good for security purposes, but I make it tricky sometimes, especially when you need, like, the authenticator app and everything. Oh, drives me crazy. Yes. Correct.\n\nThe privacy, cybersecurity is a bit stronger, which is which is good. Okay. Okay. Could you read out yep. So can you read out your current balance as of today?\n\n45. Perfect. Now can you see what investments you're currently invested in? Does it have, like, an investment name or anything like that? Have you changed changed it?\n\nOkay. Okay. Okay. Okay. Because I have here that when we did research on it on the 01/16/2025, it was invested in Mercer High Growth at a 100%.\n\nSo if you haven't changed it okay. Okay. Great. Perfect. Now if you can go does it have, like, an insurance option?\n\nYep. Could you read out to me your life insurance, how much you are covered for? Perfect. Does it have the premium there as well, how much you pay? Yep.\n\nTwo sorry. Sorry. Was that $262.03 per year. And the total permanent disability? Yep.\n\n$5.05 3. And that's also per year? Yep. Perfect. And no income protection?\n\nJust the life and TPD? Yep. Okay. Perfect. Now while you're on that page, does it say when the opt in expires or anything?\n\nThis is a opt in until a certain time frame. Because some have different time frames, or some, if you've just opted in as long as you have enough funds in there, it's okay. Mhmm. Okay. No.\n\nThat's okay. What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time, which we can assist you with. Does it have your beneficiary nomination listed anywhere? Yep. Okay.\n\nOkay. Yeah. Because oh, beautiful. Because, yeah, again, what I have here from 2025 is Jessica was nominated. Sorry.\n\nThat is that's that's good. Okay. Beautiful. Now that was basically all I needed, so thank you so much for obtaining that for me. Like I said, I will still get the team through post out that TPA.\n\nSo when you see it in the post, it is just so that we can get it in the back end with Mazda. We can't change anything for you, but it allows us to just check every now and then to make sure everything is in order. But you've given me everything I need for the resetting right to get it started. So that's good. And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your current super balance.\n\nThe the Mercer information, you can see there at least. The summary short stays the same, so that is good. Obviously, a little bit more in your Mercer account. Now next document, does that have a performance report with hub twenty four? Does it say that?\n\nPerformance with I r r. Yep. Now you should have two. So they're both the same. It is just two different time frame.\n\nAnd that is just to show you as well kind of with the market. But this is like I said, I do wanna do a bit more in-depth with your investment. So when we are looking over the twelve month period first, so the one that you look at at the top is the same from the 07/14/2025 to the 07/13/2026? Yes. Perfect.\n\nSo this is the 12 period. Now over the last twelve months, we've kind of already touched on there. There has obviously been some ups and downs in the market fluctuation. Now it also breaks down all your individual investments and how they have performed and what has happened in the market. Now if you look in the second column to the right, it should say internal rate of return, and it's like a percentage.\n\nCan you see that? Yeah. So the top one here is the one I wanna look at changing for you, which is your Benelung Australian Equi. The reason is that it is underperforming a little bit. Now the last three months, it has come back a little bit, but it's still underperforming to what we would like.\n\nSo you can see that's in bracket, which means over twelve month period, it was down. All the others, you can see, are positive and doing well. So this is where yeah. So this is what I do when I look at changing this one. But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best option.\n\nSo I will do all of that as part of the research. Now if you then click next for me, you should have the three month version. Yes. Okay. Perfect.\n\nSo you can see here that it's still down, but it has come back up a bit, which is great. Because at the same time, we don't wanna sell it at the bottom. But if it's not gonna do the best for you, we also don't wanna just keep it and and hope for it to come back around if we foresee better options. So even in the last twelve months, it has done a little bit better, which is good. So like I said, I will go in a bit more in-depth in your investments, do some research for that, and and take everything and put together some different strategies.\n\nNow if you wanna go to the next document for me, you should have a Vanguard index chart, I believe. Yes. So this is the one that kind of relates back to those risk profiles we were talking about. So have you seen something like this before? Previous?\n\nYeah. Okay. Perfect. So it's pretty straightforward in that, like, it just gives us a good overview of the market and kind of the ups and downs and different market fluctuations that can happen. So this one here goes back to 1995 through to 2025.\n\nYou can obviously see the ups and downs. The market always goes up in the long term, but, obviously, short term, depending on kind of the events in the world, they're gonna go up a lit up and down a little bit. Now the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth. So it's still obviously wanna make sure that your super is growing, which is important. We don't wanna be too defensive either.\n\nBecause if we're too defensive, then you're not gonna grow as smart, and then those fees might not outperform it. But at the same time, I understand if you wanna take a little bit like, a little bit more defensive approach than that high risk, especially with those fluctuations not seeing as big of a dip. So both growth and high growth are focusing on growing your super. The difference is the percentage of how much you have allocated to each option. So in a high growth, you can see on the right column, you can see the different kind of asset classes.\n\nSo when we talk about growth assets, we talk about your top score. So that is your US shares, which is like the light green line, if you can see that. Yep. And then you have your dark green line, which is Australian shares. You have international shares, which is yellow, and then property as well, which is, like, the maroon color.\n\nSo all those top four, we kind of combine into what we call your growth in investments. Now these are the ones you can see. They grow the most, also fluctuate the most. So at the moment, you have about 90% invested in these. If we look at moving to a growth, it's about a 10% difference.\n\nSo it's about 80%. So 80% will still focus on growing, but instead of just having 10 in the bottom three, which is like your defensive investments, which you can see don't grow as much, but a bit more stable. So instead of having just 10%, it's shifting it a little bit and having about 20% in in that option. Does that make sense? Yeah.\n\nNo. That's so good. That's why this one is so good because sometimes it's just easier to look at it that way. So what I can do is if you wanted to kind of look at reducing it one step is part of the research is put together and review different growth options and seeing what is going to be the best for you with your current situation. Yeah.\n\nYeah. Yeah. Okay. And it's always something we can change. So if in, like, a couple of years, like, even if it's, like, two, three years and you go, you know what?\n\nYou're back working or depending on what's going on, you might wanna look at changing it. It's it's something it's not like a set and forget thing. Yes. We don't wanna day trade your super because, obviously, fees and everything like that. Capital gains tax is not something we day trade, but at the same time, it's not something we just leave forever either.\n\nBecause your life situation changed, market changed. But then, also, the older you get and the closer you do get to retirement, you do wanna potentially look at decreasing that risk. So, gradually, what we see, the closer and closer you get, you then kind of step down. The next will be, like, your balance growth and then balance, then you get, like, more defensive because you have less time for those fluctuations. Yeah.\n\nYeah. Yeah. Yeah. It's a great question. So let's say when you sell investments that have gone up, you have to pay capital gains tax.\n\nThe same as, let's say, you have an investment property and you sell that or any personal investment, you have to pay capital gains tax on the earning. The same goes for superannuation. Difference is yeah. So the difference is it's paid within the super environment. So it's not something that you pay for yourself.\n\nIt's not something you would have to declare in your tax return or pay for yourself, but it is deducted within the super environment. So that is something that I would factor into the research because I also wanna minimize that for you. Correct. Potentially, if that is a good investment, if if that's one that's gone off a lot, then we wanna potentially potentially keep it, but maybe just reduce how much we have in it if it's, like, a a more of your high risk one. So that will be kind of part part of it is making sure we minimize the capital gains as much as possible, but at the same time, swapping out any investments that's necessary.\n\nAll of that will be in that research document. So I will do all the math and do all the calculations, and there's a lot of different options to look at. And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information. Yeah. So it it gets a bit technical, but that's also what we are here to assist with.\n\nYep. Does that make sense, Nathan? Yep. Yep. Perfect.\n\nNow the next document should be a Oakview services guide. Yep. Perfect. Again, you probably have seen this before. It is one of those kind of compliance documents that give you all the important information in regards to us here at Oakview.\n\nNow if you do have a bit of a scroll through it, and you're more than welcome to obviously go through this in your own time as as well and have a bit of a read over it. None of the important information has changed. But we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing. Now if you would like to put a face to the voice, because sometimes that's nice when we're talking over the phone so you actually know who you're talking to, if you wanna scroll down to page 10, you should actually see a photo of myself there. Yeah.\n\nAnd sometimes it is nice to be like, you know, it is someone here on the other side as well and actually knowing who you are talking to. Yeah. Perfect. Now the next document, Nathan, should be your ongoing service agreement, I believe. Yes.\n\nNow this is the one I touched on earlier. So that is your ongoing fee arrangement. Now like I said to you, it is not changing the fee structure. It stays exactly the same at 1.65. The biggest thing, it is not a lock in contract.\n\nSo if at any point in time you decide, no. Even, let's say, we do the research and you go, yeah. Of course. Let's give it a go. Like I said, even if it's a week after that, if it's a month or six months, whatever it might be, if you feel it's not the right option for you, you can cancel it whenever you want to.\n\nIt's not like a yearly amount deducted and you're locked in for twelve months. It is not like that. There's no exit fees or anything like that. Yeah. But, basically, by obviously signing it, it means that we can keep managing your investments and do the research and everything for you in the meantime.\n\nYeah. Okay. Great. Perfect. Now the next document so, yeah, if you're happy to do so, it will ask you to add a little signature at the bottom there, and it would automatically add the date, I believe, as well.\n\nYep. Now there is one more it will ask you to sign next, which should be your t p let me see. Your tax phone number opt in for? Yes. Sorry.\n\nThis is just a compliance form to say that we are keeping your tax phone number secure and safe on file. And it will also ask if you're happy to do so, just put a little signature and a date box there as well. Yep. And then it should say validate, I believe. Yes.\n\nWhen you press validate, it will then automatically send it back to me. I can get all of that processed, but you can also go back. You can download all the documents if you wanted to, or you can ever just go back into the email whenever you want to if you do wanna have a read through any of the documents again as well. Yep. Okay.\n\nPerfect. Yep. I can see that has come through on my end, which is fantastic. Now what I wanna do as well while I have you on the phone is booking in a appointment to go through all that research with you. So it will take about a week for me to put it all together.\n\nSo do you have any availability sometimes mid to end next week? Yep. Okay. Lovely. Hopefully, you get a good one, though.\n\nYeah. Yeah. So I can either do Monday the twenty seventh in the afternoon, or if you do wanna get settled, we can do the Tuesday the twenty eighth. 20 seventh? Yeah.\n\nOkay. Let me yeah. No. That should be plenty. Now let me see.\n\nI could do 03:00. Would that work? When will you act Or I could do when do you normally have to do pickup? Okay. I can do 01:00 otherwise.\n\nSo before kind of school rush, so the kids are not home, and you have to do that. Okay. Perfect. Okay. So I will sorry.\n\n01:30. Would that be okay? Yeah. Okay. So I will lock that in on Monday, July 27 at 01:30.\n\nNow if you do wanna have if you can have access to your emails at the time, it will be good because there is a bit to kind of usually go through. I will send you the whole proposal, and we can go through it together. And then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do. Yep. Perfect.\n\nNow if anything does change, if you extend your holiday or, you know, you need to push it back, just even send me a text or email or call the office, and we can always get it rescheduled for you if you need to. Yeah. Perfect. Otherwise, like I said, the team will post out a TPA for you as well just so we can have it on file with Martha, but you've given me everything I need for this, which is perfect. And I will also get the team to email you that lawyer information just so that you have it handy if you need it.\n\nYeah. Yes. Mhmm. Yes. No.\n\nIt's something they automatically they always send in, and that is just to make sure there's, like, enough money in there for for fees and stuff like that. It all happens in the back end automatically and also something the investment team keep an eye on, but it's all kind of a setting in the back end through to making sure. So you don't have to worry about it. Sometimes it can be annoying if they send you a couple because it might sound like you need to do something. You're like, oh, what is happening?\n\nNo. You don't have to. It's something that you just automatically send out when when because, obviously, with this market fluctuations, the value of investments go up and down. So it just kind of automatically rebalances out. Yeah.\n\nNot something you have to worry about. Yeah. Perfect. Now, Nathan, do you have any other questions for me at this point before I let you go otherwise? Yeah.\n\nThat's okay. Mhmm. Contribution? Yes. Yes.\n\nYep. Yes and no. Yes. Because it boosts your superannuation. So it means you have money going into superannuation, which is fantastic and over see compound.\n\nThe reason why most people do it is aside from the super benefit is so that you can claim a notice of intent. So that maybe was something your accountant touched on, which is why you can claim the tax back. You have the biggest benefit by doing that if you're in a high income earner. So the higher income you're on, the more of the tax saving you will get back. If you don't earn an income and it's not money you've actually paid tax on, the tax benefit might not be the best option.\n\nIn saying that exactly. In saying that, though, there are a lot of other different strategies to look at in this situation. So even if it gets closer to, I would say, absolute latest, maybe first week of June, just to give it enough time, that there are a lot of different strategies to look at instead. So if you are on a low income earner or, like, they're not earning an income, the government has a different scheme, which can be worth me considering for you at the time, which is called a government co contribution. Basically, what that is is if you put a little bit of money into superannuation, it is a voluntary contribution, but it's not something you claim tax on.\n\nThe government, to help assist you because you'll be considered a low income earner, will put a little bit more money in. So, often, it's like if you put in a thousand dollars, they match and put 500 in. So from a overall benefit, that usually gives you a lot more because it's obviously a lot more like, it's 50¢ to the dollar versus the tax saving, which, in your case, if you're if you don't earn an income, wouldn't be. Exactly. So there's a lot of different way to consider.\n\nBut, also, what we could look at is, especially if your wife is on a higher income, there are different strategies where she can make spousal contributions on your behalf into your super to get a bit of tax saving. She could potentially make voluntary contributions or salary sacrifice into her super. We can then shift some into yours. So it's kind of like there's a lot of different things you can do if one person is a high income earner and one a low income earner to benefit both of you. So, like, there's a lot of really good things we can do, so it's good that you guys are are thinking about it.\n\nAnd definitely something that we can we can even have chat to both of you closer to the end of the next financial year or just yourself if she doesn't wanna be involved. So, yeah, there's there's a lot of different things. Reassess. Yeah. Yeah.\n\nOkay. Sounds beautiful. Now, Nathan, any other questions for me? No. No problem.\n\nIf there is anything you need, though, even between now and this July 27, just send me an email or give me a call. Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back. Mhmm. No problem. We'll speak soon.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"No.","start":3.12,"end":3.36,"sentiment":"neutral","sentiment_score":-0.3202856183052063},{"text":"That's okay.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":-0.25218986719846725},{"text":"I was like, I don't know if it was me or you, but I'm like, I'll call you back.","start":3.6799998,"end":6.58,"sentiment":"neutral","sentiment_score":-0.17912245110461586},{"text":"Yeah.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":-0.1033470779657364},{"text":"No.","start":10.24,"end":10.48,"sentiment":"neutral","sentiment_score":-0.14564397931098938}],"sentiment":"neutral","sentiment_score":-0.18654095754027367,"num_words":24,"start":3.12,"end":10.48},{"sentences":[{"text":"Okay.","start":10.48,"end":10.719999,"sentiment":"neutral","sentiment_score":-0.061789363622665405},{"text":"If it happens again, I'll I'll just call you back.","start":10.719999,"end":13.059999,"sentiment":"neutral","sentiment_score":-0.05224838685244322},{"text":"Now asset wise, I have here two motor vehicles.","start":14.655,"end":17.315,"sentiment":"neutral","sentiment_score":-0.048860726257165275},{"text":"One was last died at 37,000 and one was 32.","start":18.255001,"end":23.314999,"sentiment":"neutral","sentiment_score":-0.08721098452806472},{"text":"Is that still the case?","start":23.535,"end":24.835,"sentiment":"neutral","sentiment_score":-0.039206288568675515}],"sentiment":"neutral","sentiment_score":-0.05977603018816028,"num_words":35,"start":10.48,"end":24.835},{"sentences":[{"text":"Mhmm.","start":30.43,"end":30.67,"sentiment":"neutral","sentiment_score":-0.16219894587993622},{"text":"Oh, no.","start":30.67,"end":37.55,"sentiment":"neutral","sentiment_score":-0.10360632091760635},{"text":"Oh, good.","start":37.55,"end":38.205,"sentiment":"neutral","sentiment_score":0.10083218291401863},{"text":"Mhmm.","start":38.205,"end":38.705,"sentiment":"neutral","sentiment_score":0.03146006911993027},{"text":"25.","start":45.325,"end":46.145,"sentiment":"neutral","sentiment_score":-0.0014435257762670517}],"sentiment":"neutral","sentiment_score":-0.019675811220492636,"num_words":7,"start":30.43,"end":46.145},{"sentences":[{"text":"And anything owing on it, or did that just pay outright?","start":47.565002,"end":50.625,"sentiment":"neutral","sentiment_score":-0.03612872517921708},{"text":"Mhmm.","start":55.79,"end":56.29,"sentiment":"neutral","sentiment_score":-0.04591846838593483},{"text":"36.","start":59.79,"end":60.43,"sentiment":"neutral","sentiment_score":-0.011044941842556},{"text":"Okay.","start":60.43,"end":60.93,"sentiment":"neutral","sentiment_score":0.00283882487565279},{"text":"Otherwise, I have home in contents about 70,000.","start":62.83,"end":66.53,"sentiment":"neutral","sentiment_score":0.017928397515788674}],"sentiment":"neutral","sentiment_score":-0.014005153736268932,"num_words":22,"start":47.565002,"end":66.53},{"sentences":[{"text":"Okay.","start":70.475,"end":70.975,"sentiment":"neutral","sentiment_score":0.10577009618282318},{"text":"Perfect.","start":71.435,"end":71.935,"sentiment":"neutral","sentiment_score":0.3002673387527466},{"text":"And savings about 3,000.","start":73.034996,"end":75.455,"sentiment":"neutral","sentiment_score":0.1723216287791729},{"text":"Mhmm.","start":81.369995,"end":81.869995,"sentiment":"neutral","sentiment_score":0.043358370661735535},{"text":"Yep.","start":92.424995,"end":92.924995,"sentiment":"neutral","sentiment_score":0.07912454009056091}],"sentiment":"neutral","sentiment_score":0.15222585760056973,"num_words":8,"start":70.475,"end":92.924995},{"sentences":[{"text":"Okay.","start":94.104996,"end":94.604996,"sentiment":"neutral","sentiment_score":0.06724964082241058},{"text":"Perfect.","start":94.66499,"end":95.16499,"sentiment":"neutral","sentiment_score":0.1365876942873001},{"text":"Otherwise, one credit card as well owing about 2,000.","start":96.985,"end":100.604996,"sentiment":"neutral","sentiment_score":0.011561977366606394},{"text":"Perfect.","start":104.759995,"end":105.259995,"sentiment":"neutral","sentiment_score":0.18146052956581116},{"text":"Any other assets that we haven't gone through?","start":106.28,"end":109.079994,"sentiment":"neutral","sentiment_score":0.027885320596396923}],"sentiment":"neutral","sentiment_score":0.03562191128730774,"num_words":20,"start":94.104996,"end":109.079994},{"sentences":[{"text":"Any other changes?","start":109.079994,"end":110.14,"sentiment":"neutral","sentiment_score":-0.016832298909624416},{"text":"Yep.","start":112.84,"end":113.34,"sentiment":"neutral","sentiment_score":-0.05904354155063629},{"text":"Yep.","start":115.255005,"end":115.65501,"sentiment":"neutral","sentiment_score":0.038962677121162415},{"text":"Okay.","start":115.65501,"end":116.055,"sentiment":"neutral","sentiment_score":0.16720807552337646},{"text":"Great.","start":116.055,"end":116.555,"sentiment":"positive","sentiment_score":0.3434444069862366}],"sentiment":"neutral","sentiment_score":0.06286781733589512,"num_words":7,"start":109.079994,"end":116.555},{"sentences":[{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":117.735,"end":123.595,"sentiment":"neutral","sentiment_score":0.1313049579039216},{"text":"Is that still the case as well?","start":124.375,"end":126.15501,"sentiment":"neutral","sentiment_score":0.08420489994542939},{"text":"Yep.","start":127.270004,"end":127.770004,"sentiment":"neutral","sentiment_score":0.15841928124427795},{"text":"Perfect.","start":127.83,"end":128.33,"sentiment":"neutral","sentiment_score":0.11702020466327669},{"text":"And any changes to your health in the last twelve months?","start":129.91,"end":133.59,"sentiment":"neutral","sentiment_score":-0.033469561572101986}],"sentiment":"neutral","sentiment_score":0.07215522040819956,"num_words":36,"start":117.735,"end":133.59},{"sentences":[{"text":"Any significant health issues or injuries or any changes?","start":133.59,"end":137.77,"sentiment":"neutral","sentiment_score":-0.09649416555960973},{"text":"Mhmm.","start":144.885,"end":145.385,"sentiment":"neutral","sentiment_score":-0.0248190276324749},{"text":"Yep.","start":147.36499,"end":147.86499,"sentiment":"neutral","sentiment_score":0.009629318490624428},{"text":"Yeah.","start":154.29,"end":154.79,"sentiment":"neutral","sentiment_score":-0.022138778120279312},{"text":"Yep.","start":157.09,"end":157.41,"sentiment":"neutral","sentiment_score":0.09178148955106737}],"sentiment":"neutral","sentiment_score":-0.06261496059596539,"num_words":13,"start":133.59,"end":157.41},{"sentences":[{"text":"And that's kind of been managed since being on the medication.","start":157.41,"end":161.83,"sentiment":"neutral","sentiment_score":0.0907759087329561},{"text":"Like, the doctor's kind of happy.","start":161.97,"end":163.59,"sentiment":"neutral","sentiment_score":0.10743253740171592},{"text":"Yep.","start":163.65,"end":164.15,"sentiment":"neutral","sentiment_score":0.20304659008979797},{"text":"Great.","start":165.56999,"end":166.06999,"sentiment":"positive","sentiment_score":0.5942667722702026},{"text":"Yep.","start":168.65501,"end":169.15501,"sentiment":"neutral","sentiment_score":0.099030040204525}],"sentiment":"neutral","sentiment_score":0.1269736811518669,"num_words":20,"start":157.41,"end":169.15501},{"sentences":[{"text":"Yep.","start":170.41501,"end":170.91501,"sentiment":"neutral","sentiment_score":0.05247650668025017},{"text":"Yeah.","start":173.93501,"end":174.43501,"sentiment":"neutral","sentiment_score":-0.09710586071014404},{"text":"Yeah.","start":175.455,"end":175.85501,"sentiment":"neutral","sentiment_score":-0.057364366948604584},{"text":"Yeah.","start":175.85501,"end":176.175,"sentiment":"neutral","sentiment_score":-0.0399574413895607},{"text":"No.","start":176.175,"end":176.49501,"sentiment":"neutral","sentiment_score":-0.06303265690803528}],"sentiment":"neutral","sentiment_score":-0.04099676385521889,"num_words":5,"start":170.41501,"end":176.49501},{"sentences":[{"text":"Perfect.","start":176.49501,"end":176.99501,"sentiment":"neutral","sentiment_score":0.058378707617521286},{"text":"Private health insurance.","start":179.66,"end":180.86,"sentiment":"neutral","sentiment_score":-0.025837427626053493},{"text":"Do you have that?","start":180.86,"end":181.84001,"sentiment":"neutral","sentiment_score":0.009481479413807392},{"text":"Okay.","start":186.54001,"end":187.04001,"sentiment":"neutral","sentiment_score":0.010130440816283226},{"text":"And when it comes to estate planning, I have here that you do have a will in the place.","start":189.26001,"end":197.85501,"sentiment":"neutral","sentiment_score":0.006106733001376453}],"sentiment":"neutral","sentiment_score":0.005176811079893794,"num_words":28,"start":176.49501,"end":197.85501},{"sentences":[{"text":"Is that correct?","start":197.99501,"end":198.815,"sentiment":"neutral","sentiment_score":0.006939366459846497},{"text":"No?","start":200.63501,"end":201.13501,"sentiment":"neutral","sentiment_score":-0.15078751742839813},{"text":"Everyone does.","start":204.01001,"end":207.63,"sentiment":"neutral","sentiment_score":-0.09297002851963043},{"text":"Yes.","start":208.89,"end":209.39,"sentiment":"neutral","sentiment_score":-0.09082449972629549},{"text":"Yep.","start":235.64,"end":235.96,"sentiment":"neutral","sentiment_score":-0.04206734895706177}],"sentiment":"neutral","sentiment_score":-0.05610016547143459,"num_words":8,"start":197.99501,"end":235.96},{"sentences":[{"text":"Yes.","start":235.96,"end":236.46,"sentiment":"neutral","sentiment_score":-0.07446420192718506},{"text":"Yes.","start":242.535,"end":243.035,"sentiment":"neutral","sentiment_score":-0.019651412963867188},{"text":"Yeah.","start":245.175,"end":245.675,"sentiment":"neutral","sentiment_score":-0.020212825387716293},{"text":"Okay.","start":246.295,"end":246.795,"sentiment":"neutral","sentiment_score":0.005936412140727043},{"text":"And and it is very important.","start":247.575,"end":249.195,"sentiment":"neutral","sentiment_score":-0.004022672772407532}],"sentiment":"neutral","sentiment_score":-0.013252806477248668,"num_words":10,"start":235.96,"end":249.195},{"sentences":[{"text":"And, yeah, it's unfortunate, obviously, that that has happened, and I'm very sorry to hear that that's happened to family.","start":249.255,"end":255.41,"sentiment":"negative","sentiment_score":-0.5747986726462841},{"text":"Yeah.","start":265.07,"end":265.47,"sentiment":"neutral","sentiment_score":-0.06190665066242218},{"text":"Yep.","start":265.47,"end":265.965,"sentiment":"neutral","sentiment_score":0.02619892731308937},{"text":"Yeah.","start":267.965,"end":268.465,"sentiment":"neutral","sentiment_score":0.12882639467716217},{"text":"And when you guys do wanna have a look at it or when you are in a position to do so, obviously, it is very important, like you said, especially for both your assets, but then also that power of attorney so that if something were to happen to you and your wife, you can make those decisions, and then also for for the kids.","start":268.76498,"end":288.9,"sentiment":"neutral","sentiment_score":0.19820424375625756}],"sentiment":"neutral","sentiment_score":0.01682296661998738,"num_words":88,"start":249.255,"end":288.9},{"sentences":[{"text":"So do you guys have or know of, like, a law firm or anything close to you guys, Or do you okay.","start":288.9,"end":299.345,"sentiment":"neutral","sentiment_score":0.08262316662479531},{"text":"Mhmm.","start":300.845,"end":301.345,"sentiment":"neutral","sentiment_score":0.0167853981256485},{"text":"Mhmm.","start":305.405,"end":305.905,"sentiment":"neutral","sentiment_score":0.03119032084941864},{"text":"Okay.","start":308.125,"end":308.625,"sentiment":"neutral","sentiment_score":0.012715662829577925},{"text":"This cost.","start":310.94,"end":311.68002,"sentiment":"neutral","sentiment_score":-0.006131036207079887}],"sentiment":"neutral","sentiment_score":0.06911625833836971,"num_words":27,"start":288.9,"end":311.68002},{"sentences":[{"text":"Yeah.","start":311.90002,"end":312.40002,"sentiment":"neutral","sentiment_score":-0.015611175447702408},{"text":"That yeah.","start":319.82,"end":320.88,"sentiment":"neutral","sentiment_score":-0.014380613341927528},{"text":"Let me double check here because the it does yeah.","start":321.1,"end":330.845,"sentiment":"neutral","sentiment_score":-0.03139581829309464},{"text":"Now let me have a look here.","start":331.465,"end":332.985,"sentiment":"neutral","sentiment_score":0.02970165333577565},{"text":"So the the firm that you may have spoken through that we sent through was potentially CGM Lawyers.","start":332.985,"end":339.645,"sentiment":"neutral","sentiment_score":0.025713292985326715}],"sentiment":"neutral","sentiment_score":0.008221585842731752,"num_words":38,"start":311.90002,"end":339.645},{"sentences":[{"text":"Now let me just check what the cost is.","start":341.24,"end":347.96,"sentiment":"neutral","sentiment_score":0.03133235706223382},{"text":"Okay.","start":347.96,"end":348.46,"sentiment":"neutral","sentiment_score":0.05165143683552742},{"text":"So just so you have it, for a basic will, which would probably your be like your it's not like it's, like, super complex with assets and trusts and stuff like that.","start":349.08,"end":358.555,"sentiment":"neutral","sentiment_score":0.012760581856127828},{"text":"So like you said, it's kind of like a simple will and a enduring power of attorney.","start":358.555,"end":363.91498,"sentiment":"neutral","sentiment_score":0.12816973907106063},{"text":"So, obviously, so you can make those decisions on behalf of each other.","start":363.91498,"end":367.85498,"sentiment":"neutral","sentiment_score":0.10620896948071626}],"sentiment":"neutral","sentiment_score":0.059744214406237006,"num_words":72,"start":341.24,"end":367.85498},{"sentences":[{"text":"For spouses, it's about a thousand dollars plus GST.","start":368.235,"end":373.48,"sentiment":"neutral","sentiment_score":0.03432852774858475},{"text":"So, obviously, a bit cheaper.","start":374.18,"end":375.86,"sentiment":"neutral","sentiment_score":0.32133045196533205},{"text":"So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like.","start":375.86,"end":383.16,"sentiment":"neutral","sentiment_score":0.24090927428212658},{"text":"That way, yeah, that way, whenever you guys do wanna have a look at it or you can give them a call and and have a bit of a chat, but then at least you kind of yeah.","start":383.92502,"end":395.065,"sentiment":"neutral","sentiment_score":0.17674623351348073},{"text":"Because it's not regards to Super, you won't be able to have it for Super.","start":400.34,"end":404.81998,"sentiment":"neutral","sentiment_score":-0.004593702157338461}],"sentiment":"neutral","sentiment_score":0.1619732219260186,"num_words":96,"start":368.235,"end":404.81998},{"sentences":[{"text":"So they're quite strict of how you can actually fund things through Super, and it has to kind of be related that way.","start":404.81998,"end":409.13998,"sentiment":"neutral","sentiment_score":0.02050207340684922},{"text":"So it would have to be an out of pocket expense.","start":409.13998,"end":412.28497,"sentiment":"neutral","sentiment_score":-0.05863232944499363},{"text":"They might do a payment plan potentially, but worth having a chat to them and see.","start":412.28497,"end":421.10498,"sentiment":"neutral","sentiment_score":0.04643887258134782},{"text":"Yeah.","start":422.60498,"end":423.10498,"sentiment":"neutral","sentiment_score":0.015593111515045166},{"text":"Yeah.","start":425.02,"end":425.52,"sentiment":"neutral","sentiment_score":0.09089910984039308}],"sentiment":"neutral","sentiment_score":0.013002043213838568,"num_words":52,"start":404.81998,"end":425.52},{"sentences":[{"text":"So I'll just I'll get it to just email that to you.","start":425.58002,"end":428.96,"sentiment":"neutral","sentiment_score":0.16821260439852873},{"text":"Like I said, completely up to you.","start":429.02,"end":430.7,"sentiment":"neutral","sentiment_score":0.22501329013279506},{"text":"You will then at least have it in your inbox as a little reminder to whenever you have a moment, which you probably don't have a lot of with the three kids, that it's there if you do wanna have a have a bit of a chat to them or if there's at least as a pricing guide.","start":430.7,"end":444.375,"sentiment":"neutral","sentiment_score":0.19965707690551363},{"text":"So if you do go to another local firm, you at least have a bit of a comparison of pricing as well.","start":444.375,"end":451.29,"sentiment":"neutral","sentiment_score":0.19214790991761468},{"text":"Okay.","start":452.89,"end":453.37,"sentiment":"positive","sentiment_score":0.4568304121494293}],"sentiment":"neutral","sentiment_score":0.19857839174568653,"num_words":100,"start":425.58002,"end":453.37},{"sentences":[{"text":"Perfect.","start":453.37,"end":453.87,"sentiment":"positive","sentiment_score":0.534946620464325},{"text":"Now when it comes to your hub twenty four, though, so, obviously, your superannuation, I can see here that we do have Jessica nominated at a 100%.","start":454.01,"end":466.35,"sentiment":"neutral","sentiment_score":0.20367275481974637},{"text":"So that would mean that, obviously, if something were to happen to you, your hub twenty four super would go directly to her.","start":467.565,"end":474.38498,"sentiment":"neutral","sentiment_score":0.15457519435364267},{"text":"Because she's a spouse, it will be tax free as well.","start":474.76498,"end":477.405,"sentiment":"neutral","sentiment_score":0.22085065597837622},{"text":"So that's all set up anyway.","start":477.405,"end":478.94498,"sentiment":"neutral","sentiment_score":0.20155894507964453}],"sentiment":"neutral","sentiment_score":0.1945301670142833,"num_words":68,"start":453.37,"end":478.94498},{"sentences":[{"text":"Yep.","start":486.99002,"end":487.49002,"sentiment":"neutral","sentiment_score":0.008526372723281384},{"text":"Yep.","start":498.525,"end":499.025,"sentiment":"neutral","sentiment_score":-0.00804094597697258},{"text":"Yes.","start":516.315,"end":516.815,"sentiment":"neutral","sentiment_score":0.005260594189167023},{"text":"It's not because it's a spouse, so the spouse is tax free.","start":517.035,"end":521.195,"sentiment":"neutral","sentiment_score":0.03547957547319432},{"text":"So it wouldn't matter if if it goes through the estate.","start":521.195,"end":524.015,"sentiment":"neutral","sentiment_score":0.05023516545241529}],"sentiment":"neutral","sentiment_score":0.03784952871501446,"num_words":26,"start":486.99002,"end":524.015},{"sentences":[{"text":"Now, obviously, I'm not a lawyer, so I can't give you legal advice.","start":524.395,"end":527.13,"sentiment":"neutral","sentiment_score":-0.06382647987741691},{"text":"So, obviously, if you do speak, just to the lawyer.","start":527.45,"end":529.45,"sentiment":"neutral","sentiment_score":0.03197621311992407},{"text":"But how we would generally work with superannuation is because it goes to your spouse, it's completely tax free.","start":529.45,"end":535.87,"sentiment":"neutral","sentiment_score":0.15612504670494481},{"text":"If it's usually a quicker process because if you have a correct nomination, which you do at the moment, which means a binding, non lapsing option.","start":536.17,"end":544.585,"sentiment":"neutral","sentiment_score":0.12510792939708784},{"text":"So binding means that you have basically the trustee, so your super fund are bound to follow your wishes.","start":544.585,"end":549.705,"sentiment":"neutral","sentiment_score":0.14438680637823909}],"sentiment":"neutral","sentiment_score":0.0971557386861793,"num_words":87,"start":524.395,"end":549.705},{"sentences":[{"text":"So you have a lot more certainty with the type of nomination.","start":549.705,"end":552.445,"sentiment":"neutral","sentiment_score":0.1430432852357626},{"text":"Not all super funds allow a binding.","start":553.065,"end":555.245,"sentiment":"neutral","sentiment_score":-0.03520733171275684},{"text":"So some other super funds have, like, a nonbinding option, which means basically it's saying, oh, this is what we want to have happen, but it is ultimately up to the trustee to make a decision.","start":555.65,"end":565.67,"sentiment":"neutral","sentiment_score":0.030528170729262963},{"text":"Not the way you have.","start":566.29,"end":567.33,"sentiment":"neutral","sentiment_score":-0.0062506962567567825},{"text":"You have the the most certain option.","start":567.33,"end":569.51,"sentiment":"neutral","sentiment_score":0.04526066726871899}],"sentiment":"neutral","sentiment_score":0.04260676771179953,"num_words":67,"start":549.705,"end":569.51},{"sentences":[{"text":"So that would go directly to your spouse if something were to happen.","start":569.655,"end":573.835,"sentiment":"neutral","sentiment_score":0.07662596553564072},{"text":"That can be a lot quicker than going through the whole estate process, which can take a lot longer.","start":574.05505,"end":579.91504,"sentiment":"neutral","sentiment_score":-0.03890642915901385},{"text":"Now, yes, now from a tax difference, the the lawyer was somewhat right, but not because of the spouse.","start":580.53503,"end":594.97,"sentiment":"neutral","sentiment_score":0.0032979047023936323},{"text":"So if you have it to a child, depending on the age of the child, there can be tax consequences.","start":595.67,"end":604.535,"sentiment":"neutral","sentiment_score":-0.043100016005337236},{"text":"Now that is both if it goes directly to the estate or through super.","start":604.59503,"end":608.055,"sentiment":"neutral","sentiment_score":-0.02155076339840889}],"sentiment":"neutral","sentiment_score":-0.009931004945846165,"num_words":85,"start":569.655,"end":608.055},{"sentences":[{"text":"So for example, if you have a child that is over 18 now there are different rules if they're studying or there's a disability involved.","start":608.59503,"end":617.35,"sentiment":"neutral","sentiment_score":-0.019139717519283294},{"text":"But if we assume not, if a child is just over 18, they can be taxed up to 302% medical levy surcharge.","start":617.89,"end":628.15,"sentiment":"neutral","sentiment_score":-0.018445653962606393},{"text":"True.","start":630.105,"end":630.605,"sentiment":"neutral","sentiment_score":0.1911313235759735},{"text":"Yeah.","start":634.665,"end":634.745,"sentiment":"neutral","sentiment_score":0.1613292247056961},{"text":"Exactly.","start":634.745,"end":635.245,"sentiment":"neutral","sentiment_score":0.15401464700698853}],"sentiment":"neutral","sentiment_score":-0.007556442597415298,"num_words":50,"start":608.59503,"end":635.245},{"sentences":[{"text":"Now if the difference let's say, if you have it going through the estate and then from the estate, it is transferred to a child over 18, it would still be taxed for up to 30%, but it would not be the 2% medical levy.","start":635.70496,"end":652.44,"sentiment":"neutral","sentiment_score":0.02541004309637679},{"text":"So that is potentially what the solicitor told your your your friends or or family if they had it going through adult children.","start":652.9,"end":664.815,"sentiment":"neutral","sentiment_score":0.021179965251813763},{"text":"So from that point of view yeah.","start":664.955,"end":667.53503,"sentiment":"neutral","sentiment_score":0.16875932099563734},{"text":"Yes.","start":668.795,"end":669.295,"sentiment":"neutral","sentiment_score":0.3265014886856079},{"text":"The spouse, the way you have it right now, it's the quickest way, and it's completely tax free.","start":669.65,"end":673.73,"sentiment":"neutral","sentiment_score":0.30363084706995225}],"sentiment":"neutral","sentiment_score":0.0915293949259881,"num_words":94,"start":635.70496,"end":673.73},{"sentences":[{"text":"So so, yeah, good question, though, to ask because it can get quite complex, especially with adult children or other interdependency relationships and stuff like that.","start":673.73,"end":684.795,"sentiment":"neutral","sentiment_score":-0.023182532427689202},{"text":"That's just straightforward and tax free.","start":684.95496,"end":687.615,"sentiment":"neutral","sentiment_score":0.13310052206118902},{"text":"So so but good question, though.","start":688.71497,"end":690.575,"sentiment":"neutral","sentiment_score":0.1252762551108996},{"text":"Now, otherwise, what we typically touch on as well is, like, other goals and stuff that you are working towards or anything else you wanna, like, achieve.","start":692.315,"end":700.65497,"sentiment":"neutral","sentiment_score":0.16267072354201917},{"text":"Obviously, it it seems like right now the main focus is making sure everything for your super is set up correctly, invested the right way, especially when you don't have contributions going in.","start":701.01,"end":710.95,"sentiment":"neutral","sentiment_score":0.22155143049630252}],"sentiment":"neutral","sentiment_score":0.12909001593801137,"num_words":98,"start":673.73,"end":710.95},{"sentences":[{"text":"Aside from that, is there anything you guys are working towards financially or nonfinancially in the next couple of years?","start":711.49,"end":719.825,"sentiment":"neutral","sentiment_score":0.1040622578933835},{"text":"Yes.","start":731.02,"end":731.52,"sentiment":"neutral","sentiment_score":0.058015406131744385},{"text":"Okay.","start":732.94,"end":733.44,"sentiment":"neutral","sentiment_score":0.03594081103801727},{"text":"Mhmm.","start":739.27496,"end":739.77496,"sentiment":"neutral","sentiment_score":0.11448250710964204},{"text":"Very good.","start":742.235,"end":742.975,"sentiment":"positive","sentiment_score":0.543224573135376}],"sentiment":"neutral","sentiment_score":0.13504532113671303,"num_words":25,"start":711.49,"end":742.975},{"sentences":[{"text":"Okay.","start":747.51495,"end":748.01495,"sentiment":"neutral","sentiment_score":0.1616181582212448},{"text":"Mhmm.","start":753.69,"end":754.19,"sentiment":"neutral","sentiment_score":0.16697004437446594},{"text":"Yes.","start":758.17,"end":758.67,"sentiment":"neutral","sentiment_score":0.1453803926706314},{"text":"Yes.","start":760.17,"end":760.64996,"sentiment":"neutral","sentiment_score":0.10403359681367874},{"text":"And especially sometimes car loans, the interest can be a little bit higher as well.","start":760.64996,"end":765.925,"sentiment":"neutral","sentiment_score":0.040649920950333276}],"sentiment":"neutral","sentiment_score":0.06251321085973789,"num_words":19,"start":747.51495,"end":765.925},{"sentences":[{"text":"So it is good that you guys are kind of focusing on that, obviously, through the capacity.","start":766.705,"end":770.72504,"sentiment":"neutral","sentiment_score":0.2773319868480458},{"text":"Yeah.","start":771.905,"end":772.405,"sentiment":"neutral","sentiment_score":0.09490805119276048},{"text":"Yeah.","start":772.465,"end":772.865,"sentiment":"neutral","sentiment_score":0.1420743465423584},{"text":"That makes makes sense.","start":772.865,"end":774.385,"sentiment":"neutral","sentiment_score":0.18658846989274025},{"text":"Okay.","start":774.385,"end":774.78503,"sentiment":"neutral","sentiment_score":0.21900738775730133}],"sentiment":"neutral","sentiment_score":0.24654114339500666,"num_words":24,"start":766.705,"end":774.78503},{"sentences":[{"text":"Perfect.","start":774.78503,"end":775.28503,"sentiment":"neutral","sentiment_score":0.31193673610687256},{"text":"Now when we are coming and, obviously, talking about your superannuation, so I have here that, ideally, you would like to retire at 65.","start":775.70996,"end":785.88995,"sentiment":"neutral","sentiment_score":0.0613076767573754},{"text":"Do you think that's still the case, or do you think if you can draw an income from your super at 60, you'd want to do that?","start":786.26996,"end":793.435,"sentiment":"neutral","sentiment_score":0.030844895996981196},{"text":"Yeah.","start":796.77496,"end":797.27496,"sentiment":"neutral","sentiment_score":0.22371718287467957},{"text":"Yeah.","start":798.055,"end":798.555,"sentiment":"neutral","sentiment_score":0.037311844527721405}],"sentiment":"neutral","sentiment_score":0.053280781437125474,"num_words":54,"start":774.78503,"end":798.555},{"sentences":[{"text":"It it's one of those things.","start":803.53,"end":804.81,"sentiment":"neutral","sentiment_score":0.0000714429964621856},{"text":"A lot of people go, oh, 67.","start":804.81,"end":806.89,"sentiment":"neutral","sentiment_score":0.009928346212421144},{"text":"And I was like, okay.","start":806.89,"end":807.53,"sentiment":"neutral","sentiment_score":-0.004007091745734215},{"text":"So you wanna work a bit longer?","start":807.53,"end":808.65,"sentiment":"neutral","sentiment_score":-0.016942077183297703},{"text":"They're like, no.","start":808.65,"end":809.13,"sentiment":"neutral","sentiment_score":-0.08846188088258107}],"sentiment":"neutral","sentiment_score":-0.011931734292634897,"num_words":28,"start":803.53,"end":809.13},{"sentences":[{"text":"No.","start":809.13,"end":809.29,"sentiment":"neutral","sentiment_score":-0.1066032201051712},{"text":"No.","start":809.29,"end":809.69,"sentiment":"neutral","sentiment_score":-0.06422658264636993},{"text":"So 60 seven, most people, is because that's when age pension, if you're eligible, comes in.","start":809.69,"end":815.39,"sentiment":"neutral","sentiment_score":0.02097725821658969},{"text":"Yeah.","start":817.705,"end":818.205,"sentiment":"neutral","sentiment_score":0.12114633619785307},{"text":"I will put six and that's what most people don't think.","start":819.465,"end":821.625,"sentiment":"neutral","sentiment_score":-0.046493126756765625}],"sentiment":"neutral","sentiment_score":-0.00751572431375583,"num_words":30,"start":809.13,"end":821.625},{"sentences":[{"text":"So if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60.","start":821.625,"end":828.205,"sentiment":"neutral","sentiment_score":0.02379430327564478},{"text":"Now if you work part time or full time, there are restrictions between 60 and 65.","start":828.83997,"end":835.39996,"sentiment":"neutral","sentiment_score":-0.027124726097099483},{"text":"You can still start drawing an income, but it's only up to 10% of your super balance each year.","start":835.39996,"end":840.83997,"sentiment":"neutral","sentiment_score":0.026665275769406242},{"text":"So you can still start drawing that up to 10 tax free.","start":840.83997,"end":844.55505,"sentiment":"neutral","sentiment_score":0.17169172192613283},{"text":"But if you're 60 and you're not working, you can take everything tax free or just do it like a regular income stream.","start":844.55505,"end":850.73505,"sentiment":"neutral","sentiment_score":0.057977411572052086}],"sentiment":"neutral","sentiment_score":0.043803464631653494,"num_words":90,"start":821.625,"end":850.73505},{"sentences":[{"text":"Sorry.","start":852.395,"end":852.715,"sentiment":"neutral","sentiment_score":0.08340690284967422},{"text":"I'll just put about 60.","start":852.715,"end":854.335,"sentiment":"neutral","sentiment_score":0.08497409969568252},{"text":"And I do have here an ideal income of about $1,000 for yourself.","start":854.875,"end":860.58,"sentiment":"neutral","sentiment_score":0.3279317135994251},{"text":"Do you think that would be a good amount to cover bills and expenses?","start":861.36005,"end":865.76,"sentiment":"neutral","sentiment_score":0.2966063160981451},{"text":"Do you think you'd need to draw a little bit less, bit more?","start":865.76,"end":870.02,"sentiment":"neutral","sentiment_score":0.0035748940247755786}],"sentiment":"neutral","sentiment_score":0.1950076462134071,"num_words":46,"start":852.395,"end":870.02},{"sentences":[{"text":"Yeah.","start":872.975,"end":873.295,"sentiment":"neutral","sentiment_score":0.17278487980365753},{"text":"And that's to be fair what most people say as well.","start":873.295,"end":875.71497,"sentiment":"neutral","sentiment_score":0.2201973403042013},{"text":"And, obviously, most people's goal is by the time you do retire, not having too much debt or any debt, and then it will just kind of covering living expenses, maybe some traveling, and stuff like that.","start":876.495,"end":888.09,"sentiment":"neutral","sentiment_score":0.11009062389918678},{"text":"Yep.","start":888.09,"end":888.57,"sentiment":"neutral","sentiment_score":0.09600991010665894},{"text":"Okay.","start":888.57,"end":888.97003,"sentiment":"neutral","sentiment_score":0.15905486047267914}],"sentiment":"neutral","sentiment_score":0.13575242113723768,"num_words":51,"start":872.975,"end":888.97003},{"sentences":[{"text":"Perfect.","start":888.97003,"end":889.47003,"sentiment":"positive","sentiment_score":0.3779028058052063},{"text":"Yes.","start":892.49,"end":892.99,"sentiment":"neutral","sentiment_score":0.1973789632320404},{"text":"Yes.","start":893.85004,"end":894.17004,"sentiment":"neutral","sentiment_score":0.18413007259368896},{"text":"And then that way, obviously, everything is compounding for you and still being invested, which is it's not like it's just sitting in cash and say it will still continue to grow if it's obviously being invested.","start":894.17004,"end":904.53503,"sentiment":"neutral","sentiment_score":0.15739302699630325},{"text":"Okay.","start":906.195,"end":906.515,"sentiment":"positive","sentiment_score":0.35697460174560547}],"sentiment":"neutral","sentiment_score":0.1692665473717015,"num_words":41,"start":888.97003,"end":906.515},{"sentences":[{"text":"Perfect.","start":906.515,"end":906.995,"sentiment":"positive","sentiment_score":0.49672484397888184},{"text":"Now when it comes to your risk profile, I wanna make sure if we need to make any changes to it.","start":906.995,"end":912.29,"sentiment":"neutral","sentiment_score":0.2180114005293165},{"text":"So what I will do is just go through just a bit of a questionnaire with you.","start":912.35,"end":917.01,"sentiment":"neutral","sentiment_score":0.3052336030146655},{"text":"It is multiple choice, makes it nice and easy, and there's no right or wrong answer.","start":917.07,"end":921.07,"sentiment":"positive","sentiment_score":0.3844812782481313},{"text":"It's just whatever you feel is the most appropriate for you.","start":921.07,"end":923.79,"sentiment":"positive","sentiment_score":0.3426536294546994}],"sentiment":"neutral","sentiment_score":0.30583069518660055,"num_words":66,"start":906.515,"end":923.79},{"sentences":[{"text":"Does that make sense, Nathan?","start":923.79,"end":925.01,"sentiment":"neutral","sentiment_score":0.18311219811439514},{"text":"Yeah.","start":925.90497,"end":926.14496,"sentiment":"neutral","sentiment_score":0.1931244134902954},{"text":"Okay.","start":926.14496,"end":926.64496,"sentiment":"neutral","sentiment_score":0.1470281332731247},{"text":"Now have you ever bought direct shares yourself?","start":927.105,"end":930.96497,"sentiment":"neutral","sentiment_score":0.10077744862064719},{"text":"No.","start":932.865,"end":933.365,"sentiment":"neutral","sentiment_score":-0.2818988561630249}],"sentiment":"neutral","sentiment_score":0.11125214188359678,"num_words":16,"start":923.79,"end":933.365},{"sentences":[{"text":"And when it comes to level of risk that you are comfortable with for your superannuation.","start":934.705,"end":941.31,"sentiment":"neutral","sentiment_score":-0.12151944125071168},{"text":"Now would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?","start":942.33,"end":955.07,"sentiment":"neutral","sentiment_score":-0.05961467046290636},{"text":"Yes.","start":959.82495,"end":960.32495,"sentiment":"neutral","sentiment_score":0.06576000154018402},{"text":"So it's it's a it's a bit of a tricky one because, obviously, super is long term.","start":960.945,"end":966.005,"sentiment":"neutral","sentiment_score":-0.07781803662724354},{"text":"And you don't you don't wanna make too many changes too quickly because there's also potentially capital gains tax and stuff like that that we wanna obviously manage for you.","start":966.545,"end":975.48,"sentiment":"neutral","sentiment_score":-0.07996495962142944}],"sentiment":"neutral","sentiment_score":-0.0798995291009884,"num_words":88,"start":934.705,"end":975.48},{"sentences":[{"text":"But at the same time, it's something that you can always adjust.","start":975.54,"end":978.68,"sentiment":"neutral","sentiment_score":-0.0003914583163956804},{"text":"So it is kind of, Yeah.","start":979.62,"end":983.075,"sentiment":"neutral","sentiment_score":-0.020634782500565052},{"text":"Yes.","start":985.61505,"end":986.09503,"sentiment":"neutral","sentiment_score":-0.02048766240477562},{"text":"Correct.","start":986.09503,"end":986.59503,"sentiment":"neutral","sentiment_score":-0.02173890359699726},{"text":"Yep.","start":989.29504,"end":989.695,"sentiment":"neutral","sentiment_score":0.09502212703227995}],"sentiment":"neutral","sentiment_score":-0.0036052682747443523,"num_words":21,"start":975.54,"end":989.695},{"sentences":[{"text":"Okay.","start":989.695,"end":990.09503,"sentiment":"neutral","sentiment_score":0.12507838010787964},{"text":"And that that makes sense.","start":990.09503,"end":991.375,"sentiment":"neutral","sentiment_score":0.21765212416648866},{"text":"And that kind of aligns.","start":991.375,"end":992.515,"sentiment":"neutral","sentiment_score":0.20110234916210173},{"text":"Alright.","start":993.375,"end":993.875,"sentiment":"neutral","sentiment_score":0.10646681487560272},{"text":"So what I might do then, actually, is kind of go through what those changes might look like from an asset allocation point of view.","start":994.17505,"end":1002.06,"sentiment":"neutral","sentiment_score":0.04857590720057488}],"sentiment":"neutral","sentiment_score":0.09566797950380557,"num_words":37,"start":989.695,"end":1002.06},{"sentences":[{"text":"So, Nathan, do you have access to your emails at the moment?","start":1002.06,"end":1005.6,"sentiment":"neutral","sentiment_score":0.02550063856566946},{"text":"Yeah.","start":1006.94,"end":1007.26,"sentiment":"neutral","sentiment_score":0.06218278408050537},{"text":"Okay.","start":1007.26,"end":1007.76,"sentiment":"neutral","sentiment_score":0.08306010067462921},{"text":"So what I have done is I have just sent you an email with some documents to kind of give you a bit of an overview of where everything is at if you could access that for me.","start":1008.005,"end":1018.665,"sentiment":"neutral","sentiment_score":0.09615348328493144},{"text":"Yes.","start":1027.62,"end":1027.94,"sentiment":"neutral","sentiment_score":0.03248991072177887}],"sentiment":"neutral","sentiment_score":0.07806741175645927,"num_words":53,"start":1002.06,"end":1027.94},{"sentences":[{"text":"So about twenty minutes ago.","start":1027.94,"end":1030.12,"sentiment":"neutral","sentiment_score":0.019826632738113404},{"text":"And okay.","start":1031.22,"end":1033.175,"sentiment":"neutral","sentiment_score":0.12732206657528877},{"text":"Beautiful.","start":1033.175,"end":1033.675,"sentiment":"positive","sentiment_score":0.4356974959373474},{"text":"Now we have also changed software, so it might look a little bit different to what you have previously have been used to.","start":1033.975,"end":1041.255,"sentiment":"neutral","sentiment_score":0.06204875380448673},{"text":"It's kind of the same concept.","start":1041.255,"end":1042.535,"sentiment":"neutral","sentiment_score":0.04057584827144941}],"sentiment":"neutral","sentiment_score":0.06648787080838874,"num_words":37,"start":1027.94,"end":1042.535},{"sentences":[{"text":"So what you do click on the link, Now the link will say sign now, but it will allow you to open up all the documents and view them first before it prompts you to sign.","start":1042.535,"end":1052.47,"sentiment":"neutral","sentiment_score":0.07798934381248222},{"text":"So if you can click on that for me.","start":1052.47,"end":1054.5701,"sentiment":"neutral","sentiment_score":0.11302626381317775},{"text":"Now that's perfect.","start":1054.79,"end":1056.41,"sentiment":"positive","sentiment_score":0.5413685341676077},{"text":"Now can you see the first document where it says summary of superannuation and insurances?","start":1056.47,"end":1060.9249,"sentiment":"neutral","sentiment_score":0.05496090104182561},{"text":"Yes.","start":1060.985,"end":1061.485,"sentiment":"neutral","sentiment_score":0.13413405418395996}],"sentiment":"neutral","sentiment_score":0.10011728006065823,"num_words":64,"start":1042.535,"end":1061.485},{"sentences":[{"text":"Now with your, I do wanna check.","start":1063.065,"end":1065.5449,"sentiment":"neutral","sentiment_score":0.05826258925454957},{"text":"So the TPA we have on file, and that is a third party authority that allows us to do research on your account has expired.","start":1065.5449,"end":1074.31,"sentiment":"neutral","sentiment_score":0.025018411576747893},{"text":"They expire every couple of years.","start":1074.31,"end":1076.0901,"sentiment":"neutral","sentiment_score":-0.031122469032804172},{"text":"So what I have listed here for you is probably not super accurate because it's a little bit outdated.","start":1076.31,"end":1083.53,"sentiment":"neutral","sentiment_score":-0.1833556988521626},{"text":"It's from the 01/16/2025.","start":1083.8301,"end":1087.245,"sentiment":"neutral","sentiment_score":-0.07848546002060175}],"sentiment":"neutral","sentiment_score":-0.048379287184750444,"num_words":61,"start":1063.065,"end":1087.245},{"sentences":[{"text":"So in order for me to kind of obviously do all of this research for you, we need another TPA on file.","start":1087.645,"end":1094.285,"sentiment":"neutral","sentiment_score":-0.05198058333586563},{"text":"It can take a bit of a process, but it seems like you have access to your account as well, do you, Like, with Mercer.","start":1094.285,"end":1101.5,"sentiment":"neutral","sentiment_score":0.026585063710808755},{"text":"So what I can do in the meantime to make this quicker for you is if you have the option of logging in to your account for me and just kind of read out a couple of things so I can update that, that would be great.","start":1101.72,"end":1116.575,"sentiment":"neutral","sentiment_score":0.30556549005051875},{"text":"Perfect.","start":1116.575,"end":1117.075,"sentiment":"positive","sentiment_score":0.5614514350891113},{"text":"Because sometimes the TPA I will still because with Mercer, they needed to be wet signed.","start":1122.495,"end":1127.5549,"sentiment":"neutral","sentiment_score":0.04040969396010041}],"sentiment":"neutral","sentiment_score":0.135951696668525,"num_words":111,"start":1087.645,"end":1127.5549},{"sentences":[{"text":"So I can still get the team through in the back end, post that out to you and and get it sorted, but it will take a little while, obviously.","start":1127.7799,"end":1138.0399,"sentiment":"neutral","sentiment_score":0.11015192307531833},{"text":"So we'll just do that in the back end.","start":1138.26,"end":1140.74,"sentiment":"neutral","sentiment_score":0.03934814491205745},{"text":"But, yeah, if I can get those now, then at least I can put all of this together for you now so I don't keep you waiting for for because that can take sometimes, like, a month or so.","start":1140.74,"end":1148.8849,"sentiment":"neutral","sentiment_score":0.07963927758809848},{"text":"So it just makes it quicker.","start":1149.345,"end":1150.705,"sentiment":"neutral","sentiment_score":0.05923398987700542},{"text":"So let me know when you are logged in.","start":1150.705,"end":1152.725,"sentiment":"neutral","sentiment_score":0.05989967783292135}],"sentiment":"neutral","sentiment_score":0.08235617056088422,"num_words":93,"start":1127.7799,"end":1152.725},{"sentences":[{"text":"Yep.","start":1156.1599,"end":1156.6599,"sentiment":"neutral","sentiment_score":0.038053255528211594},{"text":"That's all good?","start":1179.87,"end":1180.85,"sentiment":"neutral","sentiment_score":0.09633822118242581},{"text":"Oh, yeah.","start":1211.42,"end":1211.8201,"sentiment":"neutral","sentiment_score":-0.041808465495705605},{"text":"No.","start":1211.8201,"end":1212.14,"sentiment":"neutral","sentiment_score":-0.047846417874097824},{"text":"All good.","start":1212.14,"end":1212.88,"sentiment":"neutral","sentiment_score":-0.025486228987574577}],"sentiment":"neutral","sentiment_score":0.016070234692758985,"num_words":9,"start":1156.1599,"end":1212.88},{"sentences":[{"text":"I make it hard sometimes.","start":1213.645,"end":1214.4451,"sentiment":"neutral","sentiment_score":-0.2624650150537491},{"text":"It's good for security purposes, but I make it tricky sometimes, especially when you need, like, the authenticator app and everything.","start":1214.4451,"end":1221.265,"sentiment":"neutral","sentiment_score":-0.04080131845105262},{"text":"Oh, drives me crazy.","start":1221.405,"end":1222.545,"sentiment":"neutral","sentiment_score":-0.07272193673998117},{"text":"Yes.","start":1228.46,"end":1228.96,"sentiment":"neutral","sentiment_score":0.13928426802158356},{"text":"Correct.","start":1230.62,"end":1231.12,"sentiment":"neutral","sentiment_score":0.15213292837142944}],"sentiment":"neutral","sentiment_score":-0.06776947854086757,"num_words":32,"start":1213.645,"end":1231.12},{"sentences":[{"text":"The privacy, cybersecurity is a bit stronger, which is which is good.","start":1235.42,"end":1239.04,"sentiment":"neutral","sentiment_score":0.2217064400513967},{"text":"Okay.","start":1254.5,"end":1255.0,"sentiment":"neutral","sentiment_score":-0.00278573390096426},{"text":"Okay.","start":1269.475,"end":1269.975,"sentiment":"neutral","sentiment_score":0.09080760180950163},{"text":"Could you read out yep.","start":1270.4349,"end":1272.4349,"sentiment":"neutral","sentiment_score":0.038716728985309604},{"text":"So can you read out your current balance as of today?","start":1272.4349,"end":1275.0149,"sentiment":"neutral","sentiment_score":0.0459306463599205}],"sentiment":"neutral","sentiment_score":0.11491066344703237,"num_words":30,"start":1235.42,"end":1275.0149},{"sentences":[{"text":"45.","start":1281.21,"end":1281.87,"sentiment":"neutral","sentiment_score":0.06314879655838013},{"text":"Perfect.","start":1281.9299,"end":1282.4299,"sentiment":"neutral","sentiment_score":0.26667699217796326},{"text":"Now can you see what investments you're currently invested in?","start":1282.73,"end":1286.1699,"sentiment":"neutral","sentiment_score":0.0959903720766306},{"text":"Does it have, like, an investment name or anything like that?","start":1286.1699,"end":1290.0299,"sentiment":"neutral","sentiment_score":0.028163473883813076},{"text":"Have you changed changed it?","start":1311.79,"end":1314.53,"sentiment":"neutral","sentiment_score":-0.03335751555860043}],"sentiment":"neutral","sentiment_score":0.051169290872556825,"num_words":28,"start":1281.21,"end":1314.53},{"sentences":[{"text":"Okay.","start":1315.215,"end":1315.715,"sentiment":"neutral","sentiment_score":-0.014715776778757572},{"text":"Okay.","start":1316.255,"end":1316.755,"sentiment":"neutral","sentiment_score":-0.01062246598303318},{"text":"Okay.","start":1318.255,"end":1318.755,"sentiment":"neutral","sentiment_score":-0.007082543335855007},{"text":"Okay.","start":1319.455,"end":1319.775,"sentiment":"neutral","sentiment_score":0.036631129682064056},{"text":"Because I have here that when we did research on it on the 01/16/2025, it was invested in Mercer High Growth at a 100%.","start":1319.775,"end":1329.075,"sentiment":"neutral","sentiment_score":0.07897231526051958}],"sentiment":"neutral","sentiment_score":0.06784092535131744,"num_words":28,"start":1315.215,"end":1329.075},{"sentences":[{"text":"So if you haven't changed it okay.","start":1329.47,"end":1331.81,"sentiment":"neutral","sentiment_score":-0.00932781384991748},{"text":"Okay.","start":1332.1901,"end":1332.59,"sentiment":"neutral","sentiment_score":0.1359580159187317},{"text":"Great.","start":1332.59,"end":1332.91,"sentiment":"positive","sentiment_score":0.47190654277801514},{"text":"Perfect.","start":1332.91,"end":1333.41,"sentiment":"positive","sentiment_score":0.41431403160095215},{"text":"Now if you can go does it have, like, an insurance option?","start":1334.43,"end":1337.73,"sentiment":"neutral","sentiment_score":0.08097403403371572}],"sentiment":"neutral","sentiment_score":0.08766237735240297,"num_words":22,"start":1329.47,"end":1337.73},{"sentences":[{"text":"Yep.","start":1343.885,"end":1344.385,"sentiment":"neutral","sentiment_score":0.023582300171256065},{"text":"Could you read out to me your life insurance, how much you are covered for?","start":1344.4451,"end":1349.665,"sentiment":"neutral","sentiment_score":0.027389891818165778},{"text":"Perfect.","start":1353.66,"end":1354.14,"sentiment":"neutral","sentiment_score":0.23672229051589969},{"text":"Does it have the premium there as well, how much you pay?","start":1354.14,"end":1357.36,"sentiment":"neutral","sentiment_score":0.08484296469638745},{"text":"Yep.","start":1357.5,"end":1358.0,"sentiment":"neutral","sentiment_score":0.02471238002181053}],"sentiment":"neutral","sentiment_score":0.05713269747793674,"num_words":30,"start":1343.885,"end":1358.0},{"sentences":[{"text":"Two sorry.","start":1361.9,"end":1362.7001,"sentiment":"neutral","sentiment_score":-0.04534686729311943},{"text":"Sorry.","start":1362.7001,"end":1363.02,"sentiment":"neutral","sentiment_score":-0.051263079047203064},{"text":"Was that $262.03 per year.","start":1363.02,"end":1369.6951,"sentiment":"neutral","sentiment_score":-0.017333983071148397},{"text":"And the total permanent disability?","start":1370.155,"end":1372.015,"sentiment":"neutral","sentiment_score":-0.000916300155222416},{"text":"Yep.","start":1375.9951,"end":1376.4951,"sentiment":"neutral","sentiment_score":0.011518540792167188}],"sentiment":"neutral","sentiment_score":-0.015834977783794914,"num_words":14,"start":1361.9,"end":1376.4951},{"sentences":[{"text":"$5.05 3.","start":1380.97,"end":1382.1699,"sentiment":"neutral","sentiment_score":0.00860036863014102},{"text":"And that's also per year?","start":1382.1699,"end":1383.63,"sentiment":"neutral","sentiment_score":0.017399515956640244},{"text":"Yep.","start":1384.8899,"end":1385.21,"sentiment":"neutral","sentiment_score":0.05286684259772301},{"text":"Perfect.","start":1385.21,"end":1385.61,"sentiment":"neutral","sentiment_score":0.16191011667251587},{"text":"And no income protection?","start":1385.61,"end":1386.99,"sentiment":"neutral","sentiment_score":-0.033384257927536964}],"sentiment":"neutral","sentiment_score":0.014264480354121098,"num_words":13,"start":1380.97,"end":1386.99},{"sentences":[{"text":"Just the life and TPD?","start":1387.45,"end":1388.6699,"sentiment":"neutral","sentiment_score":-0.015575212799012661},{"text":"Yep.","start":1388.8099,"end":1389.2899,"sentiment":"neutral","sentiment_score":-0.016091831028461456},{"text":"Okay.","start":1389.2899,"end":1389.69,"sentiment":"neutral","sentiment_score":0.03924354538321495},{"text":"Perfect.","start":1389.69,"end":1390.19,"sentiment":"neutral","sentiment_score":0.0012884096940979362},{"text":"Now while you're on that page, does it say when the opt in expires or anything?","start":1391.7699,"end":1397.845,"sentiment":"neutral","sentiment_score":-0.0025437457661610097}],"sentiment":"neutral","sentiment_score":-0.003922328008532834,"num_words":24,"start":1387.45,"end":1397.845},{"sentences":[{"text":"This is a opt in until a certain time frame.","start":1397.845,"end":1400.425,"sentiment":"neutral","sentiment_score":0.010179531574249268},{"text":"Because some have different time frames, or some, if you've just opted in as long as you have enough funds in there, it's okay.","start":1402.405,"end":1408.825,"sentiment":"neutral","sentiment_score":0.0542080100470533},{"text":"Mhmm.","start":1413.66,"end":1414.16,"sentiment":"neutral","sentiment_score":-0.02021871507167816},{"text":"Okay.","start":1428.875,"end":1429.355,"sentiment":"neutral","sentiment_score":-0.037465900182724},{"text":"No.","start":1429.355,"end":1429.755,"sentiment":"neutral","sentiment_score":-0.06309950351715088}],"sentiment":"neutral","sentiment_score":0.034648741570276184,"num_words":37,"start":1397.845,"end":1429.755},{"sentences":[{"text":"That's okay.","start":1429.755,"end":1430.315,"sentiment":"neutral","sentiment_score":-0.00588072557002306},{"text":"What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time, which we can assist you with.","start":1430.315,"end":1439.66,"sentiment":"neutral","sentiment_score":0.0691411109531627},{"text":"Does it have your beneficiary nomination listed anywhere?","start":1440.28,"end":1443.8201,"sentiment":"neutral","sentiment_score":0.04453043593093753},{"text":"Yep.","start":1447.175,"end":1447.675,"sentiment":"neutral","sentiment_score":0.05956766754388809},{"text":"Okay.","start":1463.3501,"end":1463.8501,"sentiment":"neutral","sentiment_score":0.051779359579086304}],"sentiment":"neutral","sentiment_score":0.061013626866042614,"num_words":46,"start":1429.755,"end":1463.8501},{"sentences":[{"text":"Okay.","start":1464.31,"end":1464.79,"sentiment":"neutral","sentiment_score":0.0468808189034462},{"text":"Yeah.","start":1464.79,"end":1465.1901,"sentiment":"neutral","sentiment_score":0.046267688274383545},{"text":"Because oh, beautiful.","start":1465.1901,"end":1468.0701,"sentiment":"neutral","sentiment_score":0.30717528363068897},{"text":"Because, yeah, again, what I have here from 2025 is Jessica was nominated.","start":1468.0701,"end":1474.635,"sentiment":"neutral","sentiment_score":0.22951319469855383},{"text":"Sorry.","start":1475.255,"end":1475.5751,"sentiment":"neutral","sentiment_score":0.12897589802742004}],"sentiment":"neutral","sentiment_score":0.2172274624830798,"num_words":19,"start":1464.31,"end":1475.5751},{"sentences":[{"text":"That is that's that's good.","start":1475.5751,"end":1477.0951,"sentiment":"positive","sentiment_score":0.3645463943481445},{"text":"Okay.","start":1477.0951,"end":1477.5951,"sentiment":"positive","sentiment_score":0.42548996210098267},{"text":"Beautiful.","start":1477.655,"end":1478.155,"sentiment":"positive","sentiment_score":0.6321372985839844},{"text":"Now that was basically all I needed, so thank you so much for obtaining that for me.","start":1478.775,"end":1483.3551,"sentiment":"positive","sentiment_score":0.5635035300956053},{"text":"Like I said, I will still get the team through post out that TPA.","start":1484.63,"end":1488.55,"sentiment":"neutral","sentiment_score":0.2747059815696308}],"sentiment":"positive","sentiment_score":0.42910007857962656,"num_words":38,"start":1475.5751,"end":1488.55},{"sentences":[{"text":"So when you see it in the post, it is just so that we can get it in the back end with Mazda.","start":1488.55,"end":1494.25,"sentiment":"neutral","sentiment_score":0.2723604388858961},{"text":"We can't change anything for you, but it allows us to just check every now and then to make sure everything is in order.","start":1494.31,"end":1500.895,"sentiment":"neutral","sentiment_score":0.277292941386501},{"text":"But you've given me everything I need for the resetting right to get it started.","start":1501.595,"end":1505.855,"sentiment":"positive","sentiment_score":0.4791801790396372},{"text":"So that's good.","start":1505.995,"end":1506.895,"sentiment":"positive","sentiment_score":0.5061724682648977},{"text":"And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your current super balance.","start":1508.955,"end":1518.86,"sentiment":"neutral","sentiment_score":0.17126344916011607}],"sentiment":"neutral","sentiment_score":0.2840958855325176,"num_words":93,"start":1488.55,"end":1518.86},{"sentences":[{"text":"The the Mercer information, you can see there at least.","start":1519.9601,"end":1522.6001,"sentiment":"neutral","sentiment_score":0.2073311597108841},{"text":"The summary short stays the same, so that is good.","start":1522.6001,"end":1525.5801,"sentiment":"positive","sentiment_score":0.38740170300006865},{"text":"Obviously, a little bit more in your Mercer account.","start":1525.7201,"end":1528.38,"sentiment":"neutral","sentiment_score":0.10725583136081696},{"text":"Now next document, does that have a performance report with hub twenty four?","start":1529.5349,"end":1536.815,"sentiment":"neutral","sentiment_score":0.016950529641830005},{"text":"Does it say that?","start":1536.815,"end":1537.955,"sentiment":"neutral","sentiment_score":0.01322854682803154}],"sentiment":"neutral","sentiment_score":0.15621526482636514,"num_words":46,"start":1519.9601,"end":1537.955},{"sentences":[{"text":"Performance with I r r.","start":1538.0149,"end":1539.5349,"sentiment":"neutral","sentiment_score":0.07026397511363029},{"text":"Yep.","start":1539.5349,"end":1540.0349,"sentiment":"neutral","sentiment_score":0.1407739222049713},{"text":"Now you should have two.","start":1540.255,"end":1542.36,"sentiment":"neutral","sentiment_score":0.1384195014834404},{"text":"So they're both the same.","start":1542.6,"end":1544.2999,"sentiment":"neutral","sentiment_score":0.15183036923408508},{"text":"It is just two different time frame.","start":1544.36,"end":1546.86,"sentiment":"neutral","sentiment_score":0.09541490461145129}],"sentiment":"neutral","sentiment_score":0.11353249928873518,"num_words":23,"start":1538.0149,"end":1546.86},{"sentences":[{"text":"And that is just to show you as well kind of with the market.","start":1547.24,"end":1550.54,"sentiment":"neutral","sentiment_score":0.11779604107141495},{"text":"But this is like I said, I do wanna do a bit more in-depth with your investment.","start":1551.4,"end":1555.1799,"sentiment":"neutral","sentiment_score":0.10940797977587756},{"text":"So when we are looking over the twelve month period first, so the one that you look at at the top is the same from the 07/14/2025 to the 07/13/2026?","start":1555.855,"end":1571.3949,"sentiment":"neutral","sentiment_score":0.05505633596330881},{"text":"Yes.","start":1571.55,"end":1572.05,"sentiment":"neutral","sentiment_score":0.08581938594579697},{"text":"Perfect.","start":1573.0701,"end":1573.4701,"sentiment":"positive","sentiment_score":0.5792722702026367}],"sentiment":"neutral","sentiment_score":0.09247399946408612,"num_words":63,"start":1547.24,"end":1573.4701},{"sentences":[{"text":"So this is the 12 period.","start":1573.4701,"end":1575.3301,"sentiment":"neutral","sentiment_score":0.28483334680398303},{"text":"Now over the last twelve months, we've kind of already touched on there.","start":1576.3501,"end":1578.91,"sentiment":"neutral","sentiment_score":0.09530297179634754},{"text":"There has obviously been some ups and downs in the market fluctuation.","start":1578.91,"end":1581.5701,"sentiment":"neutral","sentiment_score":-0.032896279667814575},{"text":"Now it also breaks down all your individual investments and how they have performed and what has happened in the market.","start":1582.51,"end":1588.325,"sentiment":"neutral","sentiment_score":0.04156326520301047},{"text":"Now if you look in the second column to the right, it should say internal rate of return, and it's like a percentage.","start":1588.785,"end":1595.845,"sentiment":"neutral","sentiment_score":0.03241525274579939}],"sentiment":"neutral","sentiment_score":0.05562083654105663,"num_words":75,"start":1573.4701,"end":1595.845},{"sentences":[{"text":"Can you see that?","start":1596.225,"end":1597.205,"sentiment":"neutral","sentiment_score":0.012941403780132532},{"text":"Yeah.","start":1597.745,"end":1598.245,"sentiment":"neutral","sentiment_score":0.06927156448364258},{"text":"So the top one here is the one I wanna look at changing for you, which is your Benelung Australian Equi.","start":1598.88,"end":1604.42,"sentiment":"neutral","sentiment_score":0.0869322099855968},{"text":"The reason is that it is underperforming a little bit.","start":1604.88,"end":1608.24,"sentiment":"neutral","sentiment_score":-0.19353292584419252},{"text":"Now the last three months, it has come back a little bit, but it's still underperforming to what we would like.","start":1608.24,"end":1615.005,"sentiment":"neutral","sentiment_score":-0.0468455735771429}],"sentiment":"neutral","sentiment_score":-0.017060924811582816,"num_words":57,"start":1596.225,"end":1615.005},{"sentences":[{"text":"So you can see that's in bracket, which means over twelve month period, it was down.","start":1615.005,"end":1619.985,"sentiment":"neutral","sentiment_score":0.03665482881478965},{"text":"All the others, you can see, are positive and doing well.","start":1620.365,"end":1623.505,"sentiment":"neutral","sentiment_score":0.24818686192685907},{"text":"So this is where yeah.","start":1624.045,"end":1625.325,"sentiment":"neutral","sentiment_score":0.10787797570228577},{"text":"So this is what I do when I look at changing this one.","start":1625.325,"end":1628.16,"sentiment":"neutral","sentiment_score":0.13647906998029122},{"text":"But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best option.","start":1628.48,"end":1640.5801,"sentiment":"neutral","sentiment_score":0.22033232831677727}],"sentiment":"neutral","sentiment_score":0.17164137100123547,"num_words":88,"start":1615.005,"end":1640.5801},{"sentences":[{"text":"So I will do all of that as part of the research.","start":1641.12,"end":1644.365,"sentiment":"neutral","sentiment_score":0.18925776580969492},{"text":"Now if you then click next for me, you should have the three month version.","start":1644.505,"end":1650.5249,"sentiment":"neutral","sentiment_score":0.07111825520793597},{"text":"Yes.","start":1652.825,"end":1653.3049,"sentiment":"neutral","sentiment_score":0.12825238704681396},{"text":"Okay.","start":1653.3049,"end":1653.7849,"sentiment":"neutral","sentiment_score":0.218228816986084},{"text":"Perfect.","start":1653.7849,"end":1654.2849,"sentiment":"neutral","sentiment_score":0.1136964112520218}],"sentiment":"neutral","sentiment_score":0.12660148777067662,"num_words":30,"start":1641.12,"end":1654.2849},{"sentences":[{"text":"So you can see here that it's still down, but it has come back up a bit, which is great.","start":1654.745,"end":1662.1799,"sentiment":"neutral","sentiment_score":0.31110703498125075},{"text":"Because at the same time, we don't wanna sell it at the bottom.","start":1662.1799,"end":1665.7999,"sentiment":"neutral","sentiment_score":-0.0006449451813331006},{"text":"But if it's not gonna do the best for you, we also don't wanna just keep it and and hope for it to come back around if we foresee better options.","start":1665.94,"end":1674.9008,"sentiment":"neutral","sentiment_score":-0.1520884117532161},{"text":"So even in the last twelve months, it has done a little bit better, which is good.","start":1674.9008,"end":1680.7367,"sentiment":"positive","sentiment_score":0.45722683037028594},{"text":"So like I said, I will go in a bit more in-depth in your investments, do some research for that, and and take everything and put together some different strategies.","start":1680.7367,"end":1691.1,"sentiment":"neutral","sentiment_score":0.23702580134073895}],"sentiment":"neutral","sentiment_score":0.1475914036435587,"num_words":111,"start":1654.745,"end":1691.1},{"sentences":[{"text":"Now if you wanna go to the next document for me, you should have a Vanguard index chart, I believe.","start":1691.24,"end":1698.165,"sentiment":"neutral","sentiment_score":0.08891708701848984},{"text":"Yes.","start":1699.585,"end":1700.065,"sentiment":"neutral","sentiment_score":0.08016239106655121},{"text":"So this is the one that kind of relates back to those risk profiles we were talking about.","start":1700.065,"end":1703.825,"sentiment":"neutral","sentiment_score":0.04977292608883646},{"text":"So have you seen something like this before?","start":1703.825,"end":1705.925,"sentiment":"neutral","sentiment_score":0.03041331935673952},{"text":"Previous?","start":1709.4401,"end":1709.92,"sentiment":"neutral","sentiment_score":0.02070627175271511}],"sentiment":"neutral","sentiment_score":0.06288395057587574,"num_words":48,"start":1691.24,"end":1709.92},{"sentences":[{"text":"Yeah.","start":1709.92,"end":1710.16,"sentiment":"neutral","sentiment_score":0.07317579537630081},{"text":"Okay.","start":1710.16,"end":1710.48,"sentiment":"neutral","sentiment_score":0.19193318486213684},{"text":"Perfect.","start":1710.48,"end":1710.98,"sentiment":"positive","sentiment_score":0.3626435399055481},{"text":"So it's pretty straightforward in that, like, it just gives us a good overview of the market and kind of the ups and downs and different market fluctuations that can happen.","start":1711.2001,"end":1720.98,"sentiment":"neutral","sentiment_score":0.2112160930710454},{"text":"So this one here goes back to 1995 through to 2025.","start":1721.675,"end":1727.295,"sentiment":"neutral","sentiment_score":0.05726455321366137}],"sentiment":"neutral","sentiment_score":0.17345247757103707,"num_words":45,"start":1709.92,"end":1727.295},{"sentences":[{"text":"You can obviously see the ups and downs.","start":1727.835,"end":1730.015,"sentiment":"neutral","sentiment_score":-0.01805010298267007},{"text":"The market always goes up in the long term, but, obviously, short term, depending on kind of the events in the world, they're gonna go up a lit up and down a little bit.","start":1730.075,"end":1739.68,"sentiment":"neutral","sentiment_score":-0.0830044164596235},{"text":"Now the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth.","start":1739.68,"end":1748.08,"sentiment":"neutral","sentiment_score":0.009652849700715806},{"text":"So it's still obviously wanna make sure that your super is growing, which is important.","start":1748.08,"end":1751.68,"sentiment":"neutral","sentiment_score":0.16394833624362945},{"text":"We don't wanna be too defensive either.","start":1751.68,"end":1753.865,"sentiment":"neutral","sentiment_score":-0.0886524026947362}],"sentiment":"neutral","sentiment_score":-0.009530393590966423,"num_words":91,"start":1727.835,"end":1753.865},{"sentences":[{"text":"Because if we're too defensive, then you're not gonna grow as smart, and then those fees might not outperform it.","start":1754.0851,"end":1759.625,"sentiment":"neutral","sentiment_score":-0.14041579011827707},{"text":"But at the same time, I understand if you wanna take a little bit like, a little bit more defensive approach than that high risk, especially with those fluctuations not seeing as big of a dip.","start":1760.005,"end":1772.18,"sentiment":"neutral","sentiment_score":-0.09065189429869254},{"text":"So both growth and high growth are focusing on growing your super.","start":1772.18,"end":1775.9601,"sentiment":"neutral","sentiment_score":0.12908810966958603},{"text":"The difference is the percentage of how much you have allocated to each option.","start":1776.515,"end":1781.0951,"sentiment":"neutral","sentiment_score":0.03006140568426677},{"text":"So in a high growth, you can see on the right column, you can see the different kind of asset classes.","start":1781.555,"end":1789.175,"sentiment":"neutral","sentiment_score":0.03511838721377509}],"sentiment":"neutral","sentiment_score":-0.03266389194188766,"num_words":103,"start":1754.0851,"end":1789.175},{"sentences":[{"text":"So when we talk about growth assets, we talk about your top score.","start":1790.46,"end":1796.08,"sentiment":"neutral","sentiment_score":0.05664993077516556},{"text":"So that is your US shares, which is like the light green line, if you can see that.","start":1796.3,"end":1800.64,"sentiment":"neutral","sentiment_score":0.05998943642609649},{"text":"Yep.","start":1801.755,"end":1802.0751,"sentiment":"neutral","sentiment_score":0.13919946551322937},{"text":"And then you have your dark green line, which is Australian shares.","start":1802.0751,"end":1806.255,"sentiment":"neutral","sentiment_score":0.11343368018666904},{"text":"You have international shares, which is yellow, and then property as well, which is, like, the maroon color.","start":1806.3151,"end":1812.3151,"sentiment":"neutral","sentiment_score":0.10886558476421568}],"sentiment":"neutral","sentiment_score":0.08510069531058112,"num_words":62,"start":1790.46,"end":1812.3151},{"sentences":[{"text":"So all those top four, we kind of combine into what we call your growth in investments.","start":1812.3151,"end":1817.95,"sentiment":"neutral","sentiment_score":0.14173594818395727},{"text":"Now these are the ones you can see.","start":1818.09,"end":1819.77,"sentiment":"neutral","sentiment_score":0.1426196163520217},{"text":"They grow the most, also fluctuate the most.","start":1819.77,"end":1822.91,"sentiment":"neutral","sentiment_score":0.18730530329048634},{"text":"So at the moment, you have about 90% invested in these.","start":1823.29,"end":1828.51,"sentiment":"neutral","sentiment_score":0.1084857928481969},{"text":"If we look at moving to a growth, it's about a 10% difference.","start":1829.1951,"end":1832.975,"sentiment":"neutral","sentiment_score":0.09918389182824355}],"sentiment":"neutral","sentiment_score":0.13213411914674858,"num_words":57,"start":1812.3151,"end":1832.975},{"sentences":[{"text":"So it's about 80%.","start":1833.515,"end":1835.135,"sentiment":"neutral","sentiment_score":0.11455736681818962},{"text":"So 80% will still focus on growing, but instead of just having 10 in the bottom three, which is like your defensive investments, which you can see don't grow as much, but a bit more stable.","start":1835.275,"end":1847.79,"sentiment":"neutral","sentiment_score":0.12812999967071745},{"text":"So instead of having just 10%, it's shifting it a little bit and having about 20% in in that option.","start":1848.0901,"end":1854.99,"sentiment":"neutral","sentiment_score":0.09651412144303322},{"text":"Does that make sense?","start":1855.4651,"end":1856.525,"sentiment":"neutral","sentiment_score":0.12085038051009178},{"text":"Yeah.","start":1856.9851,"end":1857.4851,"sentiment":"neutral","sentiment_score":0.19900406897068024}],"sentiment":"neutral","sentiment_score":0.11820919192754305,"num_words":65,"start":1833.515,"end":1857.4851},{"sentences":[{"text":"No.","start":1859.145,"end":1859.4651,"sentiment":"neutral","sentiment_score":0.0805453211069107},{"text":"That's so good.","start":1859.4651,"end":1860.185,"sentiment":"neutral","sentiment_score":0.2757449646790822},{"text":"That's why this one is so good because sometimes it's just easier to look at it that way.","start":1860.185,"end":1863.545,"sentiment":"neutral","sentiment_score":0.32058769795629716},{"text":"So what I can do is if you wanted to kind of look at reducing it one step is part of the research is put together and review different growth options and seeing what is going to be the best for you with your current situation.","start":1863.545,"end":1877.13,"sentiment":"neutral","sentiment_score":0.13157161892108296},{"text":"Yeah.","start":1878.63,"end":1879.13,"sentiment":"neutral","sentiment_score":0.15056756138801575}],"sentiment":"neutral","sentiment_score":0.18668435956688895,"num_words":69,"start":1859.145,"end":1879.13},{"sentences":[{"text":"Yeah.","start":1879.99,"end":1880.49,"sentiment":"neutral","sentiment_score":0.11884505301713943},{"text":"Yeah.","start":1882.8849,"end":1883.125,"sentiment":"neutral","sentiment_score":0.14385095238685608},{"text":"Okay.","start":1883.125,"end":1883.445,"sentiment":"neutral","sentiment_score":0.1419621706008911},{"text":"And it's always something we can change.","start":1883.445,"end":1884.965,"sentiment":"neutral","sentiment_score":0.17376122517245157},{"text":"So if in, like, a couple of years, like, even if it's, like, two, three years and you go, you know what?","start":1884.965,"end":1889.705,"sentiment":"neutral","sentiment_score":0.0773333331400698}],"sentiment":"neutral","sentiment_score":0.10382250254042447,"num_words":32,"start":1879.99,"end":1889.705},{"sentences":[{"text":"You're back working or depending on what's going on, you might wanna look at changing it.","start":1890.325,"end":1894.8049,"sentiment":"neutral","sentiment_score":0.07403537794016302},{"text":"It's it's something it's not like a set and forget thing.","start":1894.8049,"end":1897.11,"sentiment":"neutral","sentiment_score":0.05072243410077962},{"text":"Yes.","start":1897.17,"end":1897.49,"sentiment":"neutral","sentiment_score":0.06503265351057053},{"text":"We don't wanna day trade your super because, obviously, fees and everything like that.","start":1897.49,"end":1901.25,"sentiment":"neutral","sentiment_score":-0.053137702867388725},{"text":"Capital gains tax is not something we day trade, but at the same time, it's not something we just leave forever either.","start":1901.25,"end":1906.79,"sentiment":"neutral","sentiment_score":-0.05912792703814127}],"sentiment":"neutral","sentiment_score":-0.0037061993643874303,"num_words":64,"start":1890.325,"end":1906.79},{"sentences":[{"text":"Because your life situation changed, market changed.","start":1907.185,"end":1909.905,"sentiment":"neutral","sentiment_score":0.08724554308823176},{"text":"But then, also, the older you get and the closer you do get to retirement, you do wanna potentially look at decreasing that risk.","start":1909.905,"end":1916.865,"sentiment":"neutral","sentiment_score":0.19835159368813038},{"text":"So, gradually, what we see, the closer and closer you get, you then kind of step down.","start":1916.865,"end":1920.885,"sentiment":"neutral","sentiment_score":0.11445020051563487},{"text":"The next will be, like, your balance growth and then balance, then you get, like, more defensive because you have less time for those fluctuations.","start":1921.08,"end":1927.0199,"sentiment":"neutral","sentiment_score":0.11240425378084183},{"text":"Yeah.","start":1928.76,"end":1929.1599,"sentiment":"neutral","sentiment_score":0.02493149042129517}],"sentiment":"neutral","sentiment_score":0.1371871391059579,"num_words":74,"start":1907.185,"end":1929.1599},{"sentences":[{"text":"Yeah.","start":1929.1599,"end":1929.6599,"sentiment":"neutral","sentiment_score":0.02833603322505951},{"text":"Yeah.","start":1930.0399,"end":1930.5399,"sentiment":"neutral","sentiment_score":0.02420009672641754},{"text":"Yeah.","start":1935.495,"end":1935.815,"sentiment":"neutral","sentiment_score":0.07697717845439911},{"text":"It's a great question.","start":1935.815,"end":1936.955,"sentiment":"neutral","sentiment_score":0.28787816129624844},{"text":"So let's say when you sell investments that have gone up, you have to pay capital gains tax.","start":1937.015,"end":1942.5349,"sentiment":"neutral","sentiment_score":0.04128042505019241}],"sentiment":"neutral","sentiment_score":0.08096294417977333,"num_words":25,"start":1929.1599,"end":1942.5349},{"sentences":[{"text":"The same as, let's say, you have an investment property and you sell that or any personal investment, you have to pay capital gains tax on the earning.","start":1942.5349,"end":1949.4099,"sentiment":"neutral","sentiment_score":0.036711069090025764},{"text":"The same goes for superannuation.","start":1949.4099,"end":1950.95,"sentiment":"neutral","sentiment_score":0.04997202008962631},{"text":"Difference is yeah.","start":1952.13,"end":1953.57,"sentiment":"neutral","sentiment_score":0.09798419599731763},{"text":"So the difference is it's paid within the super environment.","start":1953.57,"end":1956.13,"sentiment":"neutral","sentiment_score":0.1327918514609337},{"text":"So it's not something that you pay for yourself.","start":1956.13,"end":1958.2899,"sentiment":"neutral","sentiment_score":0.10138982493016455}],"sentiment":"neutral","sentiment_score":0.06931181021712043,"num_words":55,"start":1942.5349,"end":1958.2899},{"sentences":[{"text":"It's not something you would have to declare in your tax return or pay for yourself, but it is deducted within the super environment.","start":1958.2899,"end":1965.2351,"sentiment":"neutral","sentiment_score":0.10372188097486894},{"text":"So that is something that I would factor into the research because I also wanna minimize that for you.","start":1966.015,"end":1973.07,"sentiment":"neutral","sentiment_score":0.24065070403249642},{"text":"Correct.","start":1980.75,"end":1981.23,"sentiment":"neutral","sentiment_score":0.16806095838546753},{"text":"Potentially, if that is a good investment, if if that's one that's gone off a lot, then we wanna potentially potentially keep it, but maybe just reduce how much we have in it if it's, like, a a more of your high risk one.","start":1981.23,"end":1995.925,"sentiment":"neutral","sentiment_score":-0.004358677616850896},{"text":"So that will be kind of part part of it is making sure we minimize the capital gains as much as possible, but at the same time, swapping out any investments that's necessary.","start":1995.985,"end":2005.6599,"sentiment":"neutral","sentiment_score":0.04776961480577787}],"sentiment":"neutral","sentiment_score":0.07119309877561143,"num_words":121,"start":1958.2899,"end":2005.6599},{"sentences":[{"text":"All of that will be in that research document.","start":2006.2799,"end":2009.58,"sentiment":"neutral","sentiment_score":0.28243400322066414},{"text":"So I will do all the math and do all the calculations, and there's a lot of different options to look at.","start":2009.6399,"end":2014.62,"sentiment":"neutral","sentiment_score":0.2357811392708258},{"text":"And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information.","start":2014.84,"end":2021.795,"sentiment":"neutral","sentiment_score":0.22284326816980654},{"text":"Yeah.","start":2023.615,"end":2023.935,"sentiment":"neutral","sentiment_score":0.06160596385598183},{"text":"So it it gets a bit technical, but that's also what we are here to assist with.","start":2023.935,"end":2027.795,"sentiment":"neutral","sentiment_score":0.05517582540564677}],"sentiment":"neutral","sentiment_score":0.1936348141481479,"num_words":75,"start":2006.2799,"end":2027.795},{"sentences":[{"text":"Yep.","start":2029.295,"end":2029.795,"sentiment":"neutral","sentiment_score":0.10970007628202438},{"text":"Does that make sense, Nathan?","start":2029.8551,"end":2031.155,"sentiment":"neutral","sentiment_score":0.16146645843982696},{"text":"Yep.","start":2032.2,"end":2032.44,"sentiment":"neutral","sentiment_score":0.1948218196630478},{"text":"Yep.","start":2032.44,"end":2032.92,"sentiment":"neutral","sentiment_score":0.18095028400421145},{"text":"Perfect.","start":2032.92,"end":2033.42,"sentiment":"positive","sentiment_score":0.35338670015335083}],"sentiment":"neutral","sentiment_score":0.18291013025575215,"num_words":9,"start":2029.295,"end":2033.42},{"sentences":[{"text":"Now the next document should be a Oakview services guide.","start":2034.52,"end":2041.98,"sentiment":"neutral","sentiment_score":0.1488815538585186},{"text":"Yep.","start":2043.16,"end":2043.64,"sentiment":"neutral","sentiment_score":0.15110769867897034},{"text":"Perfect.","start":2043.64,"end":2044.125,"sentiment":"neutral","sentiment_score":0.29232898354530334},{"text":"Again, you probably have seen this before.","start":2044.205,"end":2046.685,"sentiment":"neutral","sentiment_score":0.12578309433800833},{"text":"It is one of those kind of compliance documents that give you all the important information in regards to us here at Oakview.","start":2046.685,"end":2054.145,"sentiment":"neutral","sentiment_score":0.21055347278066303}],"sentiment":"neutral","sentiment_score":0.18227294655073256,"num_words":42,"start":2034.52,"end":2054.145},{"sentences":[{"text":"Now if you do have a bit of a scroll through it, and you're more than welcome to obviously go through this in your own time as as well and have a bit of a read over it.","start":2055.005,"end":2062.0,"sentiment":"neutral","sentiment_score":0.21277548235497976},{"text":"None of the important information has changed.","start":2062.22,"end":2065.1199,"sentiment":"neutral","sentiment_score":0.003881892721567835},{"text":"But we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing.","start":2065.26,"end":2071.1199,"sentiment":"neutral","sentiment_score":0.19309993291443045},{"text":"Now if you would like to put a face to the voice, because sometimes that's nice when we're talking over the phone so you actually know who you're talking to, if you wanna scroll down to page 10, you should actually see a photo of myself there.","start":2072.2349,"end":2085.81,"sentiment":"neutral","sentiment_score":0.15740030877133634},{"text":"Yeah.","start":2088.37,"end":2088.85,"sentiment":"neutral","sentiment_score":0.17505097389221191}],"sentiment":"neutral","sentiment_score":0.17333657033741473,"num_words":115,"start":2055.005,"end":2088.85},{"sentences":[{"text":"And sometimes it is nice to be like, you know, it is someone here on the other side as well and actually knowing who you are talking to.","start":2088.85,"end":2095.6702,"sentiment":"neutral","sentiment_score":0.22797579690814018},{"text":"Yeah.","start":2096.85,"end":2097.35,"sentiment":"neutral","sentiment_score":0.24353955686092377},{"text":"Perfect.","start":2097.57,"end":2098.07,"sentiment":"positive","sentiment_score":0.34446796774864197},{"text":"Now the next document, Nathan, should be your ongoing service agreement, I believe.","start":2098.695,"end":2104.875,"sentiment":"neutral","sentiment_score":0.13887140785272306},{"text":"Yes.","start":2106.215,"end":2106.615,"sentiment":"neutral","sentiment_score":0.12946650385856628}],"sentiment":"neutral","sentiment_score":0.2024119237268513,"num_words":44,"start":2088.85,"end":2106.615},{"sentences":[{"text":"Now this is the one I touched on earlier.","start":2106.615,"end":2108.455,"sentiment":"neutral","sentiment_score":0.11663080503543218},{"text":"So that is your ongoing fee 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course.","start":2129.155,"end":2129.555,"sentiment":"neutral","sentiment_score":0.052111294120550156},{"text":"Let's give it a go.","start":2129.555,"end":2130.275,"sentiment":"neutral","sentiment_score":0.07114675492048264},{"text":"Like I said, even if it's a week after that, if it's a month or six months, whatever it might be, if you feel it's not the right option for you, you can cancel it whenever you want to.","start":2130.275,"end":2141.23,"sentiment":"neutral","sentiment_score":-0.028417066647074163}],"sentiment":"neutral","sentiment_score":-0.0026753947430693393,"num_words":67,"start":2123.12,"end":2141.23},{"sentences":[{"text":"It's not like a yearly amount deducted and you're locked in for twelve months.","start":2141.23,"end":2144.5898,"sentiment":"neutral","sentiment_score":-0.08277737508927073},{"text":"It is not like that.","start":2144.5898,"end":2145.39,"sentiment":"neutral","sentiment_score":-0.08239697962999344},{"text":"There's no exit fees or anything like that.","start":2145.39,"end":2147.5498,"sentiment":"neutral","sentiment_score":0.09438192844390869},{"text":"Yeah.","start":2147.5498,"end":2148.0498,"sentiment":"neutral","sentiment_score":0.15796694159507751},{"text":"But, basically, by obviously signing it, it means that we can keep managing your investments and do the research and everything for you in the meantime.","start":2149.7898,"end":2157.275,"sentiment":"neutral","sentiment_score":0.23694377793715551}],"sentiment":"neutral","sentiment_score":0.10190171196504876,"num_words":54,"start":2141.23,"end":2157.275},{"sentences":[{"text":"Yeah.","start":2160.215,"end":2160.535,"sentiment":"positive","sentiment_score":0.3776029944419861},{"text":"Okay.","start":2160.535,"end":2160.935,"sentiment":"positive","sentiment_score":0.45177680253982544},{"text":"Great.","start":2160.935,"end":2161.415,"sentiment":"positive","sentiment_score":0.6816881895065308},{"text":"Perfect.","start":2161.415,"end":2161.915,"sentiment":"positive","sentiment_score":0.5693258047103882},{"text":"Now the next document so, yeah, if you're happy to do so, it will ask you to add a little signature at the bottom there, and it would automatically add the date, I believe, as well.","start":2162.615,"end":2172.2002,"sentiment":"neutral","sentiment_score":0.1801122282114294}],"sentiment":"neutral","sentiment_score":0.21411085017025472,"num_words":40,"start":2160.215,"end":2172.2002},{"sentences":[{"text":"Yep.","start":2174.6602,"end":2175.1602,"sentiment":"neutral","sentiment_score":0.10205884277820589},{"text":"Now there is one more it will ask you to sign next, which should be your t p let me see.","start":2175.3,"end":2182.795,"sentiment":"neutral","sentiment_score":0.0751502788847401},{"text":"Your tax phone number opt in for?","start":2182.795,"end":2184.575,"sentiment":"neutral","sentiment_score":0.050108288547822406},{"text":"Yes.","start":2185.7551,"end":2186.2551,"sentiment":"neutral","sentiment_score":0.0684044137597084},{"text":"Sorry.","start":2186.315,"end":2186.635,"sentiment":"neutral","sentiment_score":0.073564812541008}],"sentiment":"neutral","sentiment_score":0.07009490146752327,"num_words":31,"start":2174.6602,"end":2186.635},{"sentences":[{"text":"This is just a compliance form to say that we are keeping your tax phone number secure and safe on file.","start":2186.635,"end":2192.0151,"sentiment":"neutral","sentiment_score":0.16973344910712468},{"text":"And it will also ask if you're happy to do so, just put a little signature and a date box there as well.","start":2193.355,"end":2198.96,"sentiment":"neutral","sentiment_score":0.1109328101510587},{"text":"Yep.","start":2199.66,"end":2200.16,"sentiment":"neutral","sentiment_score":0.2893681526184082},{"text":"And then it should say validate, I believe.","start":2200.8599,"end":2203.28,"sentiment":"neutral","sentiment_score":0.18076856434345245},{"text":"Yes.","start":2204.46,"end":2204.94,"sentiment":"neutral","sentiment_score":0.1618831753730774}],"sentiment":"neutral","sentiment_score":0.14839364643450137,"num_words":54,"start":2186.635,"end":2204.94},{"sentences":[{"text":"When you press validate, it will then automatically send it back to me.","start":2204.94,"end":2210.535,"sentiment":"neutral","sentiment_score":0.19795344598018205},{"text":"I can get all of that processed, but you can also go back.","start":2210.855,"end":2214.2148,"sentiment":"neutral","sentiment_score":0.19766334392793047},{"text":"You can download all the documents if you wanted to, or you can ever just go back into the email whenever you want to if you do wanna have a read through any of the documents again as well.","start":2214.2148,"end":2223.54,"sentiment":"neutral","sentiment_score":0.09607591374944417},{"text":"Yep.","start":2225.86,"end":2226.36,"sentiment":"positive","sentiment_score":0.3649730384349823},{"text":"Okay.","start":2227.3801,"end":2227.8801,"sentiment":"neutral","sentiment_score":0.33095502853393555}],"sentiment":"neutral","sentiment_score":0.14307323838810004,"num_words":67,"start":2204.94,"end":2227.8801},{"sentences":[{"text":"Perfect.","start":2227.94,"end":2228.44,"sentiment":"positive","sentiment_score":0.5161426067352295},{"text":"Yep.","start":2228.82,"end":2229.06,"sentiment":"positive","sentiment_score":0.3785487115383148},{"text":"I can see that has come through on my end, which is fantastic.","start":2229.06,"end":2231.8801,"sentiment":"positive","sentiment_score":0.6536266620342548},{"text":"Now what I wanna do as well while I have you on the phone is booking in a appointment to go through all that research with you.","start":2232.58,"end":2238.6,"sentiment":"neutral","sentiment_score":0.22663668129179212},{"text":"So it will take about a week for me to put it all together.","start":2238.9001,"end":2242.385,"sentiment":"neutral","sentiment_score":0.06286760020468916}],"sentiment":"neutral","sentiment_score":0.2926995486154088,"num_words":56,"start":2227.94,"end":2242.385},{"sentences":[{"text":"So do you have any availability sometimes mid to end next week?","start":2242.7651,"end":2249.665,"sentiment":"neutral","sentiment_score":0.012994766235351562},{"text":"Yep.","start":2254.38,"end":2254.88,"sentiment":"neutral","sentiment_score":-0.019584402441978455},{"text":"Okay.","start":2260.54,"end":2261.04,"sentiment":"neutral","sentiment_score":-0.009804332628846169},{"text":"Lovely.","start":2264.62,"end":2265.12,"sentiment":"neutral","sentiment_score":0.03687544912099838},{"text":"Hopefully, you get a good one, though.","start":2268.7249,"end":2270.105,"sentiment":"neutral","sentiment_score":0.012941965567214149}],"sentiment":"neutral","sentiment_score":0.011546257629313252,"num_words":22,"start":2242.7651,"end":2270.105},{"sentences":[{"text":"Yeah.","start":2271.9248,"end":2272.4248,"sentiment":"neutral","sentiment_score":0.021886449307203293},{"text":"Yeah.","start":2277.525,"end":2277.9248,"sentiment":"neutral","sentiment_score":0.03992792963981629},{"text":"So I can either do Monday the twenty seventh in the afternoon, or if you do wanna get settled, we can do the Tuesday the twenty eighth.","start":2277.9248,"end":2284.2102,"sentiment":"neutral","sentiment_score":0.0404137764815931},{"text":"20 seventh?","start":2286.03,"end":2286.85,"sentiment":"neutral","sentiment_score":0.030221289955079556},{"text":"Yeah.","start":2287.1501,"end":2287.55,"sentiment":"neutral","sentiment_score":0.02689302898943424}],"sentiment":"neutral","sentiment_score":0.03876006102655083,"num_words":32,"start":2271.9248,"end":2287.55},{"sentences":[{"text":"Okay.","start":2287.55,"end":2287.9502,"sentiment":"neutral","sentiment_score":0.0359034389257431},{"text":"Let me yeah.","start":2287.9502,"end":2289.55,"sentiment":"neutral","sentiment_score":0.029684171701471012},{"text":"No.","start":2289.55,"end":2289.79,"sentiment":"neutral","sentiment_score":-0.000841149128973484},{"text":"That should be plenty.","start":2289.79,"end":2290.85,"sentiment":"neutral","sentiment_score":0.03574532316997647},{"text":"Now let me see.","start":2292.195,"end":2293.655,"sentiment":"neutral","sentiment_score":0.022366324672475457}],"sentiment":"neutral","sentiment_score":0.027427799713153105,"num_words":13,"start":2287.55,"end":2293.655},{"sentences":[{"text":"I could do 03:00.","start":2293.715,"end":2296.0552,"sentiment":"neutral","sentiment_score":0.019156106282025576},{"text":"Would that work?","start":2296.115,"end":2297.0151,"sentiment":"neutral","sentiment_score":0.01527753627548615},{"text":"When will you act Or I could do when do you normally have to do pickup?","start":2303.235,"end":2307.48,"sentiment":"neutral","sentiment_score":0.0020179950806777924},{"text":"Okay.","start":2314.66,"end":2314.98,"sentiment":"neutral","sentiment_score":0.01399029977619648},{"text":"I can do 01:00 otherwise.","start":2314.98,"end":2316.5798,"sentiment":"neutral","sentiment_score":0.011516248248517514}],"sentiment":"neutral","sentiment_score":0.007804017112558258,"num_words":29,"start":2293.715,"end":2316.5798},{"sentences":[{"text":"So before kind of school rush, so the kids are not home, and you have to do that.","start":2316.5798,"end":2322.445,"sentiment":"neutral","sentiment_score":-0.02310791565105319},{"text":"Okay.","start":2322.445,"end":2322.945,"sentiment":"neutral","sentiment_score":0.04720096662640571},{"text":"Perfect.","start":2323.085,"end":2323.585,"sentiment":"neutral","sentiment_score":0.19732405245304108},{"text":"Okay.","start":2324.5251,"end":2325.0251,"sentiment":"neutral","sentiment_score":0.0362500362098217},{"text":"So I will sorry.","start":2325.165,"end":2326.845,"sentiment":"neutral","sentiment_score":-0.005824029911309481}],"sentiment":"neutral","sentiment_score":-0.0063385418429970745,"num_words":25,"start":2316.5798,"end":2326.845},{"sentences":[{"text":"01:30.","start":2326.845,"end":2327.645,"sentiment":"neutral","sentiment_score":-0.00627302099019289},{"text":"Would that be okay?","start":2327.645,"end":2328.705,"sentiment":"neutral","sentiment_score":0.00032790479599498207},{"text":"Yeah.","start":2329.965,"end":2330.2852,"sentiment":"neutral","sentiment_score":0.1690462827682495},{"text":"Okay.","start":2330.2852,"end":2330.7852,"sentiment":"neutral","sentiment_score":0.1687454879283905},{"text":"So I will lock that in on Monday, July 27 at 01:30.","start":2330.845,"end":2335.98,"sentiment":"neutral","sentiment_score":0.1269301405797402}],"sentiment":"neutral","sentiment_score":0.0976837924130163,"num_words":19,"start":2326.845,"end":2335.98},{"sentences":[{"text":"Now if you do wanna have if you can have access to your emails at the time, it will be good because there is a bit to kind of usually go through.","start":2336.52,"end":2343.16,"sentiment":"neutral","sentiment_score":0.2883455748669803},{"text":"I will send you the whole proposal, and we can go through it together.","start":2343.16,"end":2346.54,"sentiment":"neutral","sentiment_score":0.2939898499420711},{"text":"And then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do.","start":2346.855,"end":2354.2349,"sentiment":"neutral","sentiment_score":0.18820845945314926},{"text":"Yep.","start":2356.055,"end":2356.455,"sentiment":"positive","sentiment_score":0.4668499827384949},{"text":"Perfect.","start":2356.455,"end":2356.935,"sentiment":"positive","sentiment_score":0.6032569408416748}],"sentiment":"neutral","sentiment_score":0.25461607877119086,"num_words":81,"start":2336.52,"end":2356.935},{"sentences":[{"text":"Now if anything does change, if you extend your holiday or, you know, you need to push it back, just even send me a text or email or call the office, and we can always get it rescheduled for you if you need to.","start":2356.935,"end":2367.97,"sentiment":"neutral","sentiment_score":0.24902352047237483},{"text":"Yeah.","start":2369.07,"end":2369.57,"sentiment":"neutral","sentiment_score":0.3164360225200653},{"text":"Perfect.","start":2369.71,"end":2370.21,"sentiment":"positive","sentiment_score":0.46752098202705383},{"text":"Otherwise, like I said, the team will post out a TPA for you as well just so we can have it on file with Martha, but you've given me everything I need for this, which is perfect.","start":2370.27,"end":2380.695,"sentiment":"positive","sentiment_score":0.4380480832344777},{"text":"And I will also get the team to email you that lawyer information just so that you have it handy if you need it.","start":2380.9949,"end":2388.57,"sentiment":"neutral","sentiment_score":0.2741221121201913}],"sentiment":"neutral","sentiment_score":0.32268880070926986,"num_words":107,"start":2356.935,"end":2388.57},{"sentences":[{"text":"Yeah.","start":2390.1702,"end":2390.6702,"sentiment":"neutral","sentiment_score":0.07601234316825867},{"text":"Yes.","start":2392.01,"end":2392.51,"sentiment":"neutral","sentiment_score":0.017165154218673706},{"text":"Mhmm.","start":2401.545,"end":2402.045,"sentiment":"neutral","sentiment_score":-0.03726377338171005},{"text":"Yes.","start":2407.2249,"end":2407.7249,"sentiment":"neutral","sentiment_score":-0.006774937734007835},{"text":"No.","start":2418.4402,"end":2418.76,"sentiment":"neutral","sentiment_score":0.021378960460424423}],"sentiment":"neutral","sentiment_score":0.014103549346327782,"num_words":5,"start":2390.1702,"end":2418.76},{"sentences":[{"text":"It's something they automatically they always send in, and that is just to make sure there's, like, enough money in there for for fees and stuff like that.","start":2418.76,"end":2426.835,"sentiment":"neutral","sentiment_score":0.05993708063449178},{"text":"It all happens in the back end automatically and also something the investment team keep an eye on, but it's all kind of a setting in the back end through to making sure.","start":2426.915,"end":2435.415,"sentiment":"neutral","sentiment_score":0.16336441265814233},{"text":"So you don't have to worry about it.","start":2435.4749,"end":2437.575,"sentiment":"neutral","sentiment_score":0.1352227395400405},{"text":"Sometimes it can be annoying if they send you a couple because it might sound like you need to do something.","start":2437.635,"end":2442.2148,"sentiment":"neutral","sentiment_score":-0.07677064020009268},{"text":"You're like, oh, what is happening?","start":2443.76,"end":2445.68,"sentiment":"neutral","sentiment_score":-0.020870658413817484}],"sentiment":"neutral","sentiment_score":0.0668087333033327,"num_words":96,"start":2418.76,"end":2445.68},{"sentences":[{"text":"No.","start":2445.68,"end":2445.92,"sentiment":"neutral","sentiment_score":-0.05062004923820496},{"text":"You don't have to.","start":2445.92,"end":2446.56,"sentiment":"neutral","sentiment_score":-0.01480353600345552},{"text":"It's something that you just automatically send out when when because, obviously, with this market fluctuations, the value of investments go up and down.","start":2446.56,"end":2453.38,"sentiment":"neutral","sentiment_score":0.015593296072135368},{"text":"So it just kind of automatically rebalances out.","start":2453.6,"end":2456.685,"sentiment":"neutral","sentiment_score":0.11372306849807501},{"text":"Yeah.","start":2456.7651,"end":2456.925,"sentiment":"neutral","sentiment_score":0.17118127644062042}],"sentiment":"neutral","sentiment_score":0.035404493076432696,"num_words":38,"start":2445.68,"end":2456.925},{"sentences":[{"text":"Not something you have to worry about.","start":2456.925,"end":2458.705,"sentiment":"neutral","sentiment_score":0.09405010512896947},{"text":"Yeah.","start":2459.725,"end":2460.225,"sentiment":"positive","sentiment_score":0.4650015830993652},{"text":"Perfect.","start":2460.2852,"end":2460.7852,"sentiment":"positive","sentiment_score":0.6677953004837036},{"text":"Now, Nathan, do you have any other questions for me at this point before I let you go otherwise?","start":2460.925,"end":2465.585,"sentiment":"neutral","sentiment_score":0.05154958171279807},{"text":"Yeah.","start":2468.0452,"end":2468.5452,"sentiment":"neutral","sentiment_score":-0.01621134579181671}],"sentiment":"neutral","sentiment_score":0.09497856297369661,"num_words":29,"start":2456.925,"end":2468.5452},{"sentences":[{"text":"That's okay.","start":2470.02,"end":2473.8801,"sentiment":"neutral","sentiment_score":0.00026504136621952057},{"text":"Mhmm.","start":2487.075,"end":2487.2349,"sentiment":"neutral","sentiment_score":0.003840592922642827},{"text":"Contribution?","start":2487.2349,"end":2487.7349,"sentiment":"neutral","sentiment_score":0.006115595810115337},{"text":"Yes.","start":2488.675,"end":2489.175,"sentiment":"neutral","sentiment_score":0.025685371831059456},{"text":"Yes.","start":2489.555,"end":2490.055,"sentiment":"neutral","sentiment_score":0.04734740033745766}],"sentiment":"neutral","sentiment_score":0.013919840605619052,"num_words":6,"start":2470.02,"end":2490.055},{"sentences":[{"text":"Yep.","start":2491.4749,"end":2491.9749,"sentiment":"neutral","sentiment_score":0.06135772168636322},{"text":"Yes and no.","start":2496.85,"end":2498.1501,"sentiment":"neutral","sentiment_score":0.11542978634436925},{"text":"Yes.","start":2499.73,"end":2500.2102,"sentiment":"positive","sentiment_score":0.37103256583213806},{"text":"Because it boosts your superannuation.","start":2500.2102,"end":2502.87,"sentiment":"positive","sentiment_score":0.5813049435615539},{"text":"So it means you have money going into superannuation, which is fantastic and over see compound.","start":2503.81,"end":2509.475,"sentiment":"positive","sentiment_score":0.7480175066739321}],"sentiment":"positive","sentiment_score":0.6020570950439343,"num_words":26,"start":2491.4749,"end":2509.475},{"sentences":[{"text":"The reason why most people do it is aside from the super benefit is so that you can claim a notice of intent.","start":2510.3352,"end":2519.3152,"sentiment":"neutral","sentiment_score":0.1691839759764464},{"text":"So that maybe was something your accountant touched on, which is why you can claim the tax back.","start":2519.6152,"end":2523.7952,"sentiment":"neutral","sentiment_score":0.07792406529188156},{"text":"You have the biggest benefit by doing that if you're in a high income earner.","start":2524.23,"end":2529.85,"sentiment":"neutral","sentiment_score":0.2229677418867747},{"text":"So the higher income you're on, the more of the tax saving you will get back.","start":2530.15,"end":2535.21,"sentiment":"neutral","sentiment_score":0.13293719245120883},{"text":"If you don't earn an income and it's not money you've actually paid tax on, the tax benefit might not be the best option.","start":2535.75,"end":2544.9548,"sentiment":"negative","sentiment_score":-0.39483214107652503}],"sentiment":"neutral","sentiment_score":0.013431296295796832,"num_words":96,"start":2510.3352,"end":2544.9548},{"sentences":[{"text":"In saying that exactly.","start":2545.815,"end":2548.9548,"sentiment":"neutral","sentiment_score":-0.0696984687820077},{"text":"In saying that, though, there are a lot of other different strategies to look at in this situation.","start":2550.2148,"end":2557.33,"sentiment":"neutral","sentiment_score":0.04502914670026965},{"text":"So even if it gets closer to, I would say, absolute latest, maybe first week of June, just to give it enough time, that there are a lot of different strategies to look at instead.","start":2557.6301,"end":2571.945,"sentiment":"neutral","sentiment_score":-0.01068981806082385},{"text":"So if you are on a low income earner or, like, they're not earning an income, the government has a different scheme, which can be worth me considering for you at the time, which is called a government co contribution.","start":2572.165,"end":2586.43,"sentiment":"neutral","sentiment_score":0.03153137299232185},{"text":"Basically, what that is is if you put a little bit of money into superannuation, it is a voluntary contribution, but it's not something you claim tax on.","start":2587.45,"end":2595.735,"sentiment":"neutral","sentiment_score":0.060060974809208086}],"sentiment":"neutral","sentiment_score":0.02480439478158951,"num_words":125,"start":2545.815,"end":2595.735},{"sentences":[{"text":"The government, to help assist you because you'll be considered a low income earner, will put a little bit more money in.","start":2595.8152,"end":2603.675,"sentiment":"neutral","sentiment_score":0.21661789681423793},{"text":"So, often, it's like if you put in a thousand dollars, they match and put 500 in.","start":2604.215,"end":2609.0952,"sentiment":"neutral","sentiment_score":0.06836873227182556},{"text":"So from a overall benefit, that usually gives you a lot more because it's obviously a lot more like, it's 50¢ to the dollar versus the tax saving, which, in your case, if you're if you don't earn an income, wouldn't be.","start":2609.0952,"end":2622.82,"sentiment":"neutral","sentiment_score":0.10550668221194207},{"text":"Exactly.","start":2623.1199,"end":2623.6199,"sentiment":"neutral","sentiment_score":0.009588685818016527},{"text":"So there's a lot of different way to consider.","start":2623.76,"end":2626.655,"sentiment":"neutral","sentiment_score":-0.04748030172453986}],"sentiment":"neutral","sentiment_score":0.10928780132801169,"num_words":91,"start":2595.8152,"end":2626.655},{"sentences":[{"text":"But, also, what we could look at is, especially if your wife is on a higher income, there are different strategies where she can make spousal contributions on your behalf into your super to get a bit of tax saving.","start":2627.115,"end":2641.3699,"sentiment":"neutral","sentiment_score":0.04768514614552259},{"text":"She could potentially make voluntary contributions or salary sacrifice into her super.","start":2641.83,"end":2647.21,"sentiment":"neutral","sentiment_score":0.11216836112240951},{"text":"We can then shift some into yours.","start":2647.51,"end":2649.45,"sentiment":"neutral","sentiment_score":0.10469325631856918},{"text":"So it's kind of like there's a lot of different things you can do if one person is a high income earner and one a low income earner to benefit both of you.","start":2649.5898,"end":2658.605,"sentiment":"neutral","sentiment_score":0.17734513262456114},{"text":"So, like, there's a lot of really good things we can do, so it's good that you guys are are thinking about it.","start":2658.605,"end":2663.6648,"sentiment":"positive","sentiment_score":0.7034509207891382}],"sentiment":"neutral","sentiment_score":0.2262438219850478,"num_words":115,"start":2627.115,"end":2663.6648},{"sentences":[{"text":"And definitely something that we can we can even have chat to both of you closer to the end of the next financial year or just yourself if she doesn't wanna be involved.","start":2664.605,"end":2672.5,"sentiment":"positive","sentiment_score":0.42803822909340716},{"text":"So, yeah, there's there's a lot of different things.","start":2673.2,"end":2675.7,"sentiment":"neutral","sentiment_score":0.11924057867791918},{"text":"Reassess.","start":2681.055,"end":2681.555,"sentiment":"neutral","sentiment_score":-0.007379792630672455},{"text":"Yeah.","start":2682.9749,"end":2683.4749,"sentiment":"neutral","sentiment_score":0.02625333145260811},{"text":"Yeah.","start":2684.575,"end":2684.9749,"sentiment":"neutral","sentiment_score":0.16036410629749298}],"sentiment":"positive","sentiment_score":0.3417258758511808,"num_words":45,"start":2664.605,"end":2684.9749},{"sentences":[{"text":"Okay.","start":2684.9749,"end":2685.455,"sentiment":"positive","sentiment_score":0.3828637599945069},{"text":"Sounds beautiful.","start":2685.455,"end":2686.335,"sentiment":"positive","sentiment_score":0.7838462889194489},{"text":"Now, Nathan, any other questions for me?","start":2686.335,"end":2688.515,"sentiment":"neutral","sentiment_score":0.2057500034570694},{"text":"No.","start":2689.535,"end":2690.035,"sentiment":"neutral","sentiment_score":0.15306460857391355},{"text":"No problem.","start":2690.4949,"end":2691.615,"sentiment":"positive","sentiment_score":0.355831578373909}],"sentiment":"neutral","sentiment_score":0.3273487790272786,"num_words":13,"start":2684.9749,"end":2691.615},{"sentences":[{"text":"If there is anything you need, though, even between now and this July 27, just send me an email or give me a call.","start":2691.615,"end":2698.97,"sentiment":"neutral","sentiment_score":0.11202927104507883},{"text":"Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back.","start":2699.51,"end":2706.969,"sentiment":"positive","sentiment_score":0.5624188472117696},{"text":"Mhmm.","start":2709.049,"end":2709.129,"sentiment":"neutral","sentiment_score":0.1836869865655899},{"text":"No problem.","start":2709.129,"end":2709.769,"sentiment":"neutral","sentiment_score":0.25826339423656464},{"text":"We'll speak soon.","start":2709.769,"end":2710.669,"sentiment":"neutral","sentiment_score":0.261810302734375}],"sentiment":"positive","sentiment_score":0.3434840501767808,"num_words":58,"start":2691.615,"end":2710.669},{"sentences":[{"text":"Okay.","start":2711.609,"end":2712.009,"sentiment":"neutral","sentiment_score":0.10432443022727966},{"text":"Bye.","start":2712.009,"end":2712.509,"sentiment":"neutral","sentiment_score":-0.11063161492347716}],"sentiment":"neutral","sentiment_score":-0.003153592348098748,"num_words":2,"start":2711.609,"end":2712.509}]}}]},{"alternatives":[{"transcript":"Hey. Sorry about that. It just dropped out. No. I was just talking, and it it just popped out. So Thank you. Okay. So we've now we've got one car now. Unfortunately, we had a a car fire last in in Easter Saturday, and we lost our one and only vehicle, but insurance thankfully come through. So it's a brand new car, and it's was purchased by the insurer at 45,000. No. The loans the loan transferred over, so we still have the one loan on it. And it was last had about 36,000 owing on it. We just increased that to 90,000. Savings at the moment is probably about I'm just thinking 1, $2.03. It's probably 4 and a half at the moment. It's it'll be a little bit more once all the tax comes back. We're gonna put that into the account, but right now, the bank will be about 4 and a half. One credit card owing about 1,500. No. I've got no more assets, and that's the only two debts that we have. That's correct. No. The doctor put me back on cholesterol medication, just a very small dose that started six months ago after being offered for several years, but it's it it runs in the family on both sides that we have elevated cholesterol. So it's just a precautionary thing. Oh, yeah. Again, there's no there's no concerns. It's look. They statistically just look at a number and go, you know what? It's over the national average. You need to be on this. But it's it runs in both sides of the family. We've always been high. It's hereditary. We have extras only with ambulance cover, but not private health. No. We would we would get we we need to get one drawn up. Look. We we and our about this all the time. My wife and I don't have any will. We don't have wills. We don't have what's really thrown us recently is we've had two family members that very unexpectedly have had health issues. One one had major brain surgery and and is still alive but hasn't recovered. And that her husband can't do anything because he didn't have guardianship over her to to to do things with her assets. So we don't have a will. We don't have guardianship. So it's probably something that we need to look at, and we've got three kids. And if something happens to both me and my wife, where do the kids go? Like, we've been thinking about that. No. That's that's alright. We wanted to do something last year, but, honestly, just with, like, the changes to to work and children and things like that, we just didn't have the upfront cash to to to pay for it. So yeah. Yeah. Oh, look. There's a few down here in the main street. I haven't inquired. You guys reached out to one of your preferred people last year, but as I said, it was just something payment wise. Like, we did inquire with one law firm about eighteen months ago, but they wanted 3 and a half grand. And we're like, god, we can't fork out 3 and a half grand at the moment. That was for two of us to get that done. It was just like, guys, we we don't have a lot. We're just a simple family. Yep. Yep. No. It's not. No. Yep. Yep. Okay. Yep. That would be. Yes. Yep. Can you yeah. Could do you have to pay for that out of your bank account, or can that be done through Super? Or okay. Okay. We're having a chat. Yeah. We just obviously wanna watch that. Is that the only thing? Yeah. Perfect. Yep. Perfect. Okay. Perfect. Yeah. That was something that I wanted to ask because and I'm not sure if this is true or not, but one of the people that we know whose partners recently passed away, they they had it set up like this, so that it goes to their spouse 100%. But their their solicitor or whoever's handling the the the, you know, the will or whatnot said that if it had been made to the estate or something like that, it would have been less taxed. I I I was confused when they said that. I'm like, no. No. Mine just goes to my wife. So okay. No. That's right. Okay. Yep. No. That's fine. I'm completely happy with the way it's it's set up then. Yep. Okay. Okay. Okay. No. We haven't got to worry about that for the next twelve years. So I can. Yeah. Yeah. No. That's fine. I'm completely happy with the way we've we've got it set up. That's fine. No. Thank you very much. Well, the house is blown out, so that won't be happening for a long time, but we we understand that. The next one is to get that car payment gone. We do pay an extra $20 a week on it already, but once my wife's still on maternity leave. She's been off since December last week on half pay. So we've been managed to survive on half pay, which is great. But she goes back to full pay this week, and she goes back to work in, I think, six weeks. So once she's back to work in six weeks' time, we wanna up that $20 to probably 70 if we can find that extra 50 and and get that car loan moving along as quickly as we can just so we can become debt free. Yeah. I think it was at nine percent. So yeah. Yep. Oh, look. If you could draw from 60, that'd be that'd be awesome. But I think 65 is just what everyone talks about these days, isn't it? As this industry. Yeah. Okay. Oh, look. Sixty sixty would be lovely. I feel like I'm retired at the moment. Okay. Yep. Yep. Okay. Yep. I think I think 1,000 1,000 a week would probably be alright. With expenses. Yeah. Yep. And we draw it as an income stream anyway. We wouldn't take it all out. We draw it as an income stream. Yep. Yep. Perfect. Okay. It does. Thank you. No. Now this is this is as of this moment. Is that right? Yep. At the moment, it is long term. Okay. Okay. I think it was in I think it was in a higher risk at wasn't it? And I would probably drop it back at least one level to to just high. Yes. Yep. Okay. Let me just log in. There we go. You just said it's now, have you? Or oh, yep. Yep. Here it is. Yep. Okay. Yep. Yep. All done. Yes. I can. Okay. Yes. I did. Yes. Yes. Yeah. I'll do that right now. No. You're you're right. Just looking in there, thinking about it. Oh, hang on. In the wrong section. That's why I didn't do it. Sorry. It's just doing the second authentication thing where it wants to send me a thing to my email address. Here we go. Oh, they did. Enter code. Which is good because, you know, it it stops people from yeah. Yeah. Alright. Here we go. Sorry. Oh, hang on. Where's the thing with me? Hang on. Yep. Perfect there, guys. What would you like to know? Yep. Cool. It's going down a couple of bucks. 11,845. Let's have a quick look. Account summary. Doesn't seem to say anything. I have not changed. No. It since ever it was turned over, it's whatever it went into. That would be the same. No no changes. Probably does. Let me have a look here. Insurance. Yep. Yep. Yep. Death cover is 250,000. Yep. And and your premium is $262.03. Yes. $2.06 2.03. 250,000, and annual premium is $1.07 7.53. Yes. Correct. None. I'm just looking everywhere here. I might be in the screen about insurance. No. It doesn't I can't find anything to do with that. Sorry. Okay. Yep. Yep. Let me have a quick look. Can't see, but I do recall getting something from them in the mail to say that she was still on it at a at a 100%. And that was that was a few months ago. Yes. You're right. Okay. Perfect. Yes. Yep. Yes. I got it. Yes. Yeah. It does. Yes. I can. Yes. Yeah. Yes. Yes. Okay. Yeah. Yeah. Yeah. I do. Yes. Yep. Mhmm. Yeah. It does. In previous reviews. Yes. Okay. Mhmm. Yep. Okay. Wrong. Yes. Yes. Yep. Okay. Yep. I try. That makes sense. It does. Yes. Thank you for explaining a lot that. Yeah. Yeah. Yeah. Definitely. And I think that's where we need to be at. Yes. Right. Okay. Gotcha. Gotcha. Can I ask a quick question? You mentioned capital gains. How would I pay capital gains, or why would I pay capital gains on it? Okay. Alright. Okay. Right. So if there was, like, a a a large capital gains tax, then it might be best to stay in where it is. Is that what you're saying? Yep. Yep. Okay. Yep. Okay. Perfect. Okay. Perfect. It does. Thank you. Yep. Okay. Oh, yeah. Perfect. Talking to. Exactly. Yes. Okay. Yep. That's it. Okay. Okay. Perfect. No. That's terrific. I'm I'm quite happy with that. Yep. It does. Yeah. Yes. Okay. Yep. Perfect. That's done. Yes. Yeah. No. That that's fantastic. It says it's done now. Yeah. That's fine. Yep. Let me just bring up my calendar. Where are we? So next week, we are away for the full week. We go on on a little holiday down to Canberra with the kids, possibly to see some snow. Like, it's worst snow season on record. We'll see what happens. So we are back on Monday, the twenty seventh. So anytime from there, if that's alright. Twenty seventh is fine if you wanna lock that in. Yeah. If that's enough time for you. 03:00. It's just school pickup time at three. That's the only thing. No. I I normally leave home about 02:30, and I'm back home by about quarter past three, 03:30. Yeah. That that that probably be yeah. Yeah. 1PM would be good. One 01:30 fine. Yeah. Yeah. No. That that sounds fantastic. I think. Okay. Perfect. Okay. Fantastic. I have one question before you go. I when I called the other day, I've been getting text messages and and emails from the hub saying that my cash balance is below the minimum requirements. And then I got one that says if I don't do something immediately, they're going to draw down some assets to create cash. Do I need to be worried about that? Okay. Yeah. I'm like, what's doing? Yep. Okay. Perfect. I've got one more quick one. Sorry to keep you waiting. You probably got another appointment. With that family tax benefit that we're gonna put into the account and we're not looking at touching at this stage, if I was to, say, before June 30 next year, probably around June 30, make a voluntary super, what do you call it, contribution of maybe a couple of thousand dollars. Is is is that any benefit to me in terms of, like okay. Yep. Okay. Okay. Okay. Yeah. There's no tax on it. So there's no tax obligation on it. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yep. I can. Yes. I can. Yeah. Yeah. No. That's alright. Okay. Yeah. No. That's alright. We'll just we'll just tuck the money away for the moment, and then, yeah, we'll we'll wait for your report. We'll go through that, and then we'll work out sort of where we sit, I think. No. You've been a big help. Thank you very much. Fantastic. Thanks for your call. Cheers. Okay. 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Sorry about that. It just dropped out. No. I was just talking, and it it just popped out.\n\nSo Thank you. Okay. So we've now we've got one car now. Unfortunately, we had a a car fire last in in Easter Saturday, and we lost our one and only vehicle, but insurance thankfully come through. So it's a brand new car, and it's was purchased by the insurer at 45,000.\n\nNo. The loans the loan transferred over, so we still have the one loan on it. And it was last had about 36,000 owing on it. We just increased that to 90,000. Savings at the moment is probably about I'm just thinking 1, $2.03.\n\nIt's probably 4 and a half at the moment. It's it'll be a little bit more once all the tax comes back. We're gonna put that into the account, but right now, the bank will be about 4 and a half. One credit card owing about 1,500. No.\n\nI've got no more assets, and that's the only two debts that we have. That's correct. No. The doctor put me back on cholesterol medication, just a very small dose that started six months ago after being offered for several years, but it's it it runs in the family on both sides that we have elevated cholesterol. So it's just a precautionary thing.\n\nOh, yeah. Again, there's no there's no concerns. It's look. They statistically just look at a number and go, you know what? It's over the national average.\n\nYou need to be on this. But it's it runs in both sides of the family. We've always been high. It's hereditary. We have extras only with ambulance cover, but not private health.\n\nNo. We would we would get we we need to get one drawn up. Look. We we and our about this all the time. My wife and I don't have any will.\n\nWe don't have wills. We don't have what's really thrown us recently is we've had two family members that very unexpectedly have had health issues. One one had major brain surgery and and is still alive but hasn't recovered. And that her husband can't do anything because he didn't have guardianship over her to to to do things with her assets. So we don't have a will.\n\nWe don't have guardianship. So it's probably something that we need to look at, and we've got three kids. And if something happens to both me and my wife, where do the kids go? Like, we've been thinking about that. No.\n\nThat's that's alright. We wanted to do something last year, but, honestly, just with, like, the changes to to work and children and things like that, we just didn't have the upfront cash to to to pay for it. So yeah. Yeah. Oh, look.\n\nThere's a few down here in the main street. I haven't inquired. You guys reached out to one of your preferred people last year, but as I said, it was just something payment wise. Like, we did inquire with one law firm about eighteen months ago, but they wanted 3 and a half grand. And we're like, god, we can't fork out 3 and a half grand at the moment.\n\nThat was for two of us to get that done. It was just like, guys, we we don't have a lot. We're just a simple family. Yep. Yep.\n\nNo. It's not. No. Yep. Yep.\n\nOkay. Yep. That would be. Yes. Yep.\n\nCan you yeah. Could do you have to pay for that out of your bank account, or can that be done through Super? Or okay. Okay. We're having a chat.\n\nYeah. We just obviously wanna watch that. Is that the only thing? Yeah. Perfect.\n\nYep. Perfect. Okay. Perfect. Yeah.\n\nThat was something that I wanted to ask because and I'm not sure if this is true or not, but one of the people that we know whose partners recently passed away, they they had it set up like this, so that it goes to their spouse 100%. But their their solicitor or whoever's handling the the the, you know, the will or whatnot said that if it had been made to the estate or something like that, it would have been less taxed. I I I was confused when they said that. I'm like, no. No.\n\nMine just goes to my wife. So okay. No. That's right. Okay.\n\nYep. No. That's fine. I'm completely happy with the way it's it's set up then. Yep.\n\nOkay. Okay. Okay. No. We haven't got to worry about that for the next twelve years.\n\nSo I can. Yeah. Yeah. No. That's fine.\n\nI'm completely happy with the way we've we've got it set up. That's fine. No. Thank you very much. Well, the house is blown out, so that won't be happening for a long time, but we we understand that.\n\nThe next one is to get that car payment gone. We do pay an extra $20 a week on it already, but once my wife's still on maternity leave. She's been off since December last week on half pay. So we've been managed to survive on half pay, which is great. But she goes back to full pay this week, and she goes back to work in, I think, six weeks.\n\nSo once she's back to work in six weeks' time, we wanna up that $20 to probably 70 if we can find that extra 50 and and get that car loan moving along as quickly as we can just so we can become debt free. Yeah. I think it was at nine percent. So yeah. Yep.\n\nOh, look. If you could draw from 60, that'd be that'd be awesome. But I think 65 is just what everyone talks about these days, isn't it? As this industry. Yeah.\n\nOkay. Oh, look. Sixty sixty would be lovely. I feel like I'm retired at the moment. Okay.\n\nYep. Yep. Okay. Yep. I think I think 1,000 1,000 a week would probably be alright.\n\nWith expenses. Yeah. Yep. And we draw it as an income stream anyway. We wouldn't take it all out.\n\nWe draw it as an income stream. Yep. Yep. Perfect. Okay.\n\nIt does. Thank you. No. Now this is this is as of this moment. Is that right?\n\nYep. At the moment, it is long term. Okay. Okay. I think it was in I think it was in a higher risk at wasn't it?\n\nAnd I would probably drop it back at least one level to to just high. Yes. Yep. Okay. Let me just log in.\n\nThere we go. You just said it's now, have you? Or oh, yep. Yep. Here it is.\n\nYep. Okay. Yep. Yep. All done.\n\nYes. I can. Okay. Yes. I did.\n\nYes. Yes. Yeah. I'll do that right now. No.\n\nYou're you're right. Just looking in there, thinking about it. Oh, hang on. In the wrong section. That's why I didn't do it.\n\nSorry. It's just doing the second authentication thing where it wants to send me a thing to my email address. Here we go. Oh, they did. Enter code.\n\nWhich is good because, you know, it it stops people from yeah. Yeah. Alright. Here we go. Sorry.\n\nOh, hang on. Where's the thing with me? Hang on. Yep. Perfect there, guys.\n\nWhat would you like to know? Yep. Cool. It's going down a couple of bucks. 11,845.\n\nLet's have a quick look. Account summary. Doesn't seem to say anything. I have not changed. No.\n\nIt since ever it was turned over, it's whatever it went into. That would be the same. No no changes. Probably does. Let me have a look here.\n\nInsurance. Yep. Yep. Yep. Death cover is 250,000.\n\nYep. And and your premium is $262.03. Yes. $2.06 2.03. 250,000, and annual premium is $1.07 7.53.\n\nYes. Correct. None. I'm just looking everywhere here. I might be in the screen about insurance.\n\nNo. It doesn't I can't find anything to do with that. Sorry. Okay. Yep.\n\nYep. Let me have a quick look. Can't see, but I do recall getting something from them in the mail to say that she was still on it at a at a 100%. And that was that was a few months ago. Yes.\n\nYou're right. Okay. Perfect. Yes. Yep.\n\nYes. I got it. Yes. Yeah. It does.\n\nYes. I can. Yes. Yeah. Yes.\n\nYes. Okay. Yeah. Yeah. Yeah.\n\nI do. Yes. Yep. Mhmm. Yeah.\n\nIt does. In previous reviews. Yes. Okay. Mhmm.\n\nYep. Okay. Wrong. Yes. Yes.\n\nYep. Okay. Yep. I try. That makes sense.\n\nIt does. Yes. Thank you for explaining a lot that. Yeah. Yeah.\n\nYeah. Definitely. And I think that's where we need to be at. Yes. Right.\n\nOkay. Gotcha. Gotcha. Can I ask a quick question? You mentioned capital gains.\n\nHow would I pay capital gains, or why would I pay capital gains on it? Okay. Alright. Okay. Right.\n\nSo if there was, like, a a a large capital gains tax, then it might be best to stay in where it is. Is that what you're saying? Yep. Yep. Okay.\n\nYep. Okay. Perfect. Okay. Perfect.\n\nIt does. Thank you. Yep. Okay. Oh, yeah.\n\nPerfect. Talking to. Exactly. Yes. Okay.\n\nYep. That's it. Okay. Okay. Perfect.\n\nNo. That's terrific. I'm I'm quite happy with that. Yep. It does.\n\nYeah. Yes. Okay. Yep. Perfect.\n\nThat's done. Yes. Yeah. No. That that's fantastic.\n\nIt says it's done now. Yeah. That's fine. Yep. Let me just bring up my calendar.\n\nWhere are we? So next week, we are away for the full week. We go on on a little holiday down to Canberra with the kids, possibly to see some snow. Like, it's worst snow season on record. We'll see what happens.\n\nSo we are back on Monday, the twenty seventh. So anytime from there, if that's alright. Twenty seventh is fine if you wanna lock that in. Yeah. If that's enough time for you.\n\n03:00. It's just school pickup time at three. That's the only thing. No. I I normally leave home about 02:30, and I'm back home by about quarter past three, 03:30.\n\nYeah. That that that probably be yeah. Yeah. 1PM would be good. One 01:30 fine.\n\nYeah. Yeah. No. That that sounds fantastic. I think.\n\nOkay. Perfect. Okay. Fantastic. I have one question before you go.\n\nI when I called the other day, I've been getting text messages and and emails from the hub saying that my cash balance is below the minimum requirements. And then I got one that says if I don't do something immediately, they're going to draw down some assets to create cash. Do I need to be worried about that? Okay. Yeah.\n\nI'm like, what's doing? Yep. Okay. Perfect. I've got one more quick one.\n\nSorry to keep you waiting. You probably got another appointment. With that family tax benefit that we're gonna put into the account and we're not looking at touching at this stage, if I was to, say, before June 30 next year, probably around June 30, make a voluntary super, what do you call it, contribution of maybe a couple of thousand dollars. Is is is that any benefit to me in terms of, like okay. Yep.\n\nOkay. Okay. Okay. Yeah. There's no tax on it.\n\nSo there's no tax obligation on it. Yeah. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yep. I can. Yes.\n\nI can. Yeah. Yeah. No. That's alright.\n\nOkay. Yeah. No. That's alright. We'll just we'll just tuck the money away for the moment, and then, yeah, we'll we'll wait for your report.\n\nWe'll go through that, and then we'll work out sort of where we sit, I think. No. You've been a big help. Thank you very much. Fantastic.\n\nThanks for your call. Cheers. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":0.79999995,"end":1.04,"sentiment":"neutral","sentiment_score":-0.1200529932975769},{"text":"Sorry about that.","start":1.04,"end":1.5999999,"sentiment":"negative","sentiment_score":-0.3655723035335541},{"text":"It just dropped out.","start":1.5999999,"end":2.74,"sentiment":"negative","sentiment_score":-0.43627800792455673},{"text":"No.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":-0.2351851463317871},{"text":"I was just talking, and it it just popped out.","start":7.12,"end":9.28,"sentiment":"neutral","sentiment_score":-0.21546207517385482}],"sentiment":"neutral","sentiment_score":-0.2816677807193053,"num_words":19,"start":0.79999995,"end":9.28},{"sentences":[{"text":"So Thank you.","start":9.28,"end":13.7,"sentiment":"neutral","sentiment_score":0.17880775282780328},{"text":"Okay.","start":23.544998,"end":23.865,"sentiment":"neutral","sentiment_score":-0.012199029326438904},{"text":"So we've now we've got one car now.","start":23.865,"end":26.525,"sentiment":"neutral","sentiment_score":-0.05769011098891497},{"text":"Unfortunately, we had a a car fire last in in Easter Saturday, and we lost our one and only vehicle, but insurance thankfully come through.","start":27.544998,"end":37.04,"sentiment":"neutral","sentiment_score":-0.18649207532405854},{"text":"So it's a brand new car, and it's was purchased by the insurer at 45,000.","start":38.3,"end":44.48,"sentiment":"neutral","sentiment_score":0.004903409257531166}],"sentiment":"neutral","sentiment_score":-0.08703937313447778,"num_words":52,"start":9.28,"end":44.48},{"sentences":[{"text":"No.","start":50.635002,"end":51.135002,"sentiment":"neutral","sentiment_score":-0.12764883041381836},{"text":"The loans the loan transferred over, so we still have the one loan on it.","start":51.595,"end":55.455,"sentiment":"neutral","sentiment_score":-0.10026780317227045},{"text":"And it was last had about 36,000 owing on it.","start":55.515,"end":59.64,"sentiment":"neutral","sentiment_score":-0.06625207923352719},{"text":"We just increased that to 90,000.","start":67.159996,"end":69.58,"sentiment":"neutral","sentiment_score":0.025598842650651932},{"text":"Savings at the moment is probably about I'm just thinking 1, $2.03.","start":76.225,"end":83.285,"sentiment":"neutral","sentiment_score":0.07725403954585393}],"sentiment":"neutral","sentiment_score":-0.027580571360886097,"num_words":44,"start":50.635002,"end":83.285},{"sentences":[{"text":"It's probably 4 and a half at the moment.","start":85.505005,"end":88.065,"sentiment":"neutral","sentiment_score":0.025191093277600076},{"text":"It's it'll be a little bit more once all the tax comes back.","start":88.065,"end":91.11446,"sentiment":"neutral","sentiment_score":0.03320648048359614},{"text":"We're gonna put that into the account, but right now, the bank will be about 4 and a half.","start":91.13892,"end":101.079285,"sentiment":"neutral","sentiment_score":0.048515846364592254},{"text":"One credit card owing about 1,500.","start":101.10375,"end":104.750534,"sentiment":"neutral","sentiment_score":0.02020916109904647},{"text":"No.","start":110.775,"end":111.015,"sentiment":"neutral","sentiment_score":-0.1292565017938614}],"sentiment":"neutral","sentiment_score":0.03275424232318377,"num_words":48,"start":85.505005,"end":111.015},{"sentences":[{"text":"I've got no more assets, and that's the only two debts that we have.","start":111.015,"end":114.955,"sentiment":"neutral","sentiment_score":-0.12894161843827792},{"text":"That's correct.","start":126.2,"end":126.94,"sentiment":"neutral","sentiment_score":0.1628916710615158},{"text":"No.","start":138.77501,"end":139.27501,"sentiment":"neutral","sentiment_score":-0.1782878190279007},{"text":"The doctor put me back on cholesterol medication, just a very small dose that started six months ago after being offered for several years, but it's it it runs in the family on both sides that we have elevated cholesterol.","start":139.49501,"end":155.13,"sentiment":"neutral","sentiment_score":-0.05275596063584089},{"text":"So it's just a precautionary thing.","start":155.13,"end":156.83,"sentiment":"neutral","sentiment_score":-0.04690923603872458}],"sentiment":"neutral","sentiment_score":-0.06427588851915465,"num_words":63,"start":111.015,"end":156.83},{"sentences":[{"text":"Oh, yeah.","start":161.985,"end":163.02501,"sentiment":"neutral","sentiment_score":0.0579150915145874},{"text":"Again, there's no there's no concerns.","start":163.02501,"end":165.02501,"sentiment":"neutral","sentiment_score":0.2078009992837906},{"text":"It's look.","start":165.02501,"end":165.585,"sentiment":"neutral","sentiment_score":0.20992955565452573},{"text":"They statistically just look at a number and go, you know what?","start":165.585,"end":167.745,"sentiment":"neutral","sentiment_score":0.2656533097227414},{"text":"It's over the national average.","start":167.745,"end":169.02501,"sentiment":"neutral","sentiment_score":0.1306283712387085}],"sentiment":"neutral","sentiment_score":0.2082769208484226,"num_words":27,"start":161.985,"end":169.02501},{"sentences":[{"text":"You need to be on this.","start":169.02501,"end":170.245,"sentiment":"neutral","sentiment_score":0.05715561409791311},{"text":"But it's it runs in both sides of the family.","start":170.545,"end":173.185,"sentiment":"neutral","sentiment_score":0.007654741033911705},{"text":"We've always been high.","start":173.185,"end":173.985,"sentiment":"neutral","sentiment_score":-0.1134508065879345},{"text":"It's hereditary.","start":173.985,"end":174.645,"sentiment":"neutral","sentiment_score":-0.16355573385953903},{"text":"We have extras only with ambulance cover, but not private health.","start":182.23,"end":186.01,"sentiment":"neutral","sentiment_score":-0.04762230678038164}],"sentiment":"neutral","sentiment_score":-0.02682663556752783,"num_words":33,"start":169.02501,"end":186.01},{"sentences":[{"text":"No.","start":199.465,"end":199.785,"sentiment":"neutral","sentiment_score":-0.1096515953540802},{"text":"We would we would get we we need to get one drawn up.","start":199.785,"end":202.105,"sentiment":"neutral","sentiment_score":-0.14270319216526473},{"text":"Look.","start":202.105,"end":202.345,"sentiment":"neutral","sentiment_score":-0.04796124994754791},{"text":"We we and our about this all the time.","start":202.345,"end":205.22,"sentiment":"neutral","sentiment_score":-0.052510794873038925},{"text":"My wife and I don't have any will.","start":205.6,"end":207.7,"sentiment":"neutral","sentiment_score":-0.1437385780736804}],"sentiment":"neutral","sentiment_score":-0.11360187880927697,"num_words":32,"start":199.465,"end":207.7},{"sentences":[{"text":"We don't have wills.","start":209.44,"end":210.56,"sentiment":"neutral","sentiment_score":-0.13902774825692177},{"text":"We don't have what's really thrown us recently is we've had two family members that very unexpectedly have had health issues.","start":210.56,"end":219.59499,"sentiment":"neutral","sentiment_score":-0.19049961900427229},{"text":"One one had major brain surgery and and is still alive but hasn't recovered.","start":220.09499,"end":225.19499,"sentiment":"neutral","sentiment_score":-0.20347357541322708},{"text":"And that her husband can't do anything because he didn't have guardianship over her to to to do things with her assets.","start":225.33499,"end":235.53,"sentiment":"neutral","sentiment_score":-0.20300121740861374},{"text":"So we don't have a will.","start":235.53,"end":237.53,"sentiment":"neutral","sentiment_score":-0.12559553111592928}],"sentiment":"neutral","sentiment_score":-0.1884303435460845,"num_words":67,"start":209.44,"end":237.53},{"sentences":[{"text":"We don't have guardianship.","start":237.53,"end":238.57,"sentiment":"neutral","sentiment_score":-0.142324049025774},{"text":"So it's probably something that we need to look at, and we've got three kids.","start":238.57,"end":241.37001,"sentiment":"neutral","sentiment_score":-0.09932177166144053},{"text":"And if something happens to both me and my wife, where do the kids go?","start":241.37001,"end":244.33,"sentiment":"neutral","sentiment_score":-0.04695262238383293},{"text":"Like, we've been thinking about that.","start":244.33,"end":245.805,"sentiment":"neutral","sentiment_score":-0.028157347502807777},{"text":"No.","start":255.00499,"end":255.245,"sentiment":"negative","sentiment_score":-0.35338637232780457}],"sentiment":"neutral","sentiment_score":-0.08014006253967924,"num_words":41,"start":237.53,"end":255.245},{"sentences":[{"text":"That's that's alright.","start":255.245,"end":256.125,"sentiment":"neutral","sentiment_score":-0.24422214180231094},{"text":"We wanted to do something last year, but, honestly, just with, like, the changes to to work and children and things like that, we just didn't have the upfront cash to to to pay for it.","start":256.125,"end":266.87,"sentiment":"neutral","sentiment_score":-0.10611515140367879},{"text":"So yeah.","start":266.87,"end":268.02,"sentiment":"neutral","sentiment_score":0.07501619309186935},{"text":"Yeah.","start":286.685,"end":287.07,"sentiment":"neutral","sentiment_score":0.21529126167297363},{"text":"Oh, look.","start":296.99002,"end":297.23,"sentiment":"neutral","sentiment_score":0.06822602078318596}],"sentiment":"neutral","sentiment_score":-0.09206900423900648,"num_words":44,"start":255.245,"end":297.23},{"sentences":[{"text":"There's a few down here in the main street.","start":297.23,"end":299.07,"sentiment":"neutral","sentiment_score":0.048232994973659515},{"text":"I haven't inquired.","start":299.07,"end":300.05002,"sentiment":"neutral","sentiment_score":0.015887752640992403},{"text":"You guys reached out to one of your preferred people last year, but as I said, it was just something payment wise.","start":300.67,"end":310.655,"sentiment":"neutral","sentiment_score":0.022393794433975763},{"text":"Like, we did inquire with one law firm about eighteen months ago, but they wanted 3 and a half grand.","start":310.655,"end":316.175,"sentiment":"neutral","sentiment_score":-0.02098729773424566},{"text":"And we're like, god, we can't fork out 3 and a half grand at the moment.","start":316.175,"end":323.12997,"sentiment":"neutral","sentiment_score":-0.0772138659376651}],"sentiment":"neutral","sentiment_score":-0.009724915992202503,"num_words":70,"start":297.23,"end":323.12997},{"sentences":[{"text":"That was for two of us to get that done.","start":324.16998,"end":325.84998,"sentiment":"neutral","sentiment_score":-0.07348648346960544},{"text":"It was just like, guys, we we don't have a lot.","start":325.84998,"end":328.00998,"sentiment":"neutral","sentiment_score":-0.17974199083718387},{"text":"We're just a simple family.","start":328.00998,"end":329.62997,"sentiment":"neutral","sentiment_score":-0.07047047391533852},{"text":"Yep.","start":333.935,"end":334.435,"sentiment":"neutral","sentiment_score":0.02645343542098999},{"text":"Yep.","start":355.46,"end":355.96,"sentiment":"neutral","sentiment_score":-0.005181805696338415}],"sentiment":"neutral","sentiment_score":-0.10868240977703993,"num_words":28,"start":324.16998,"end":355.96},{"sentences":[{"text":"No.","start":356.58002,"end":356.82,"sentiment":"neutral","sentiment_score":-0.060638003051280975},{"text":"It's not.","start":356.82,"end":357.22,"sentiment":"neutral","sentiment_score":-0.08464917540550232},{"text":"No.","start":357.22,"end":357.72,"sentiment":"neutral","sentiment_score":-0.0809502974152565},{"text":"Yep.","start":366.345,"end":366.745,"sentiment":"neutral","sentiment_score":0.09882991015911102},{"text":"Yep.","start":366.745,"end":367.245,"sentiment":"neutral","sentiment_score":0.055529337376356125}],"sentiment":"neutral","sentiment_score":-0.02608790062367916,"num_words":6,"start":356.58002,"end":367.245},{"sentences":[{"text":"Okay.","start":372.83002,"end":373.33002,"sentiment":"neutral","sentiment_score":0.03422848507761955},{"text":"Yep.","start":374.03,"end":374.53,"sentiment":"neutral","sentiment_score":0.1754147857427597},{"text":"That would be.","start":383.79,"end":384.51,"sentiment":"neutral","sentiment_score":0.12073833247025807},{"text":"Yes.","start":384.51,"end":384.83002,"sentiment":"neutral","sentiment_score":0.20835694670677185},{"text":"Yep.","start":384.83002,"end":385.33002,"sentiment":"neutral","sentiment_score":0.2382141649723053}],"sentiment":"neutral","sentiment_score":0.14548991141574724,"num_words":7,"start":372.83002,"end":385.33002},{"sentences":[{"text":"Can you yeah.","start":392.945,"end":395.025,"sentiment":"neutral","sentiment_score":0.0652421476940314},{"text":"Could do you have to pay for that out of your bank account, or can that be done through Super?","start":395.025,"end":398.625,"sentiment":"neutral","sentiment_score":0.03913504732772708},{"text":"Or okay.","start":398.625,"end":408.05,"sentiment":"neutral","sentiment_score":0.030246032401919365},{"text":"Okay.","start":412.645,"end":413.145,"sentiment":"neutral","sentiment_score":0.0090306606143713},{"text":"We're having a chat.","start":420.725,"end":421.685,"sentiment":"neutral","sentiment_score":0.06301130261272192}],"sentiment":"neutral","sentiment_score":0.043333177516857786,"num_words":30,"start":392.945,"end":421.685},{"sentences":[{"text":"Yeah.","start":421.685,"end":421.845,"sentiment":"neutral","sentiment_score":0.033188287168741226},{"text":"We just obviously wanna watch that.","start":421.845,"end":423.20502,"sentiment":"neutral","sentiment_score":0.025789292839666206},{"text":"Is that the only thing?","start":423.20502,"end":424.245,"sentiment":"neutral","sentiment_score":0.02513975165784359},{"text":"Yeah.","start":424.245,"end":424.745,"sentiment":"neutral","sentiment_score":0.056951336562633514},{"text":"Perfect.","start":450.28497,"end":450.78497,"sentiment":"positive","sentiment_score":0.3521724045276642}],"sentiment":"neutral","sentiment_score":0.05162475311330387,"num_words":14,"start":421.685,"end":450.78497},{"sentences":[{"text":"Yep.","start":451.00497,"end":451.405,"sentiment":"neutral","sentiment_score":0.305076539516449},{"text":"Perfect.","start":451.405,"end":451.905,"sentiment":"positive","sentiment_score":0.5255072712898254},{"text":"Okay.","start":479.13498,"end":479.455,"sentiment":"positive","sentiment_score":0.4724968671798706},{"text":"Perfect.","start":479.455,"end":479.955,"sentiment":"positive","sentiment_score":0.6336750984191895},{"text":"Yeah.","start":480.175,"end":480.495,"sentiment":"neutral","sentiment_score":0.22490817308425903}],"sentiment":"positive","sentiment_score":0.4323327898979187,"num_words":5,"start":451.00497,"end":480.495},{"sentences":[{"text":"That was something that I wanted to ask because and I'm not sure if this is true or not, but one of the people that we know whose partners recently passed away, they they had it set up like this, so that it goes to their spouse 100%.","start":480.495,"end":497.78,"sentiment":"neutral","sentiment_score":0.019268968957476318},{"text":"But their their solicitor or whoever's handling the the the, you know, the will or whatnot said that if it had been made to the estate or something like that, it would have been less taxed.","start":498.255,"end":510.035,"sentiment":"neutral","sentiment_score":-0.04212656586120526},{"text":"I I I was confused when they said that.","start":511.31998,"end":512.92,"sentiment":"neutral","sentiment_score":-0.13972537881798214},{"text":"I'm like, no.","start":512.92,"end":513.39996,"sentiment":"neutral","sentiment_score":-0.11897364507118861},{"text":"No.","start":513.39996,"end":513.56,"sentiment":"neutral","sentiment_score":-0.16531288623809814}],"sentiment":"neutral","sentiment_score":-0.024447506101629168,"num_words":97,"start":480.495,"end":513.56},{"sentences":[{"text":"Mine just goes to my wife.","start":513.56,"end":514.92,"sentiment":"neutral","sentiment_score":-0.11841772372523944},{"text":"So okay.","start":514.92,"end":521.98,"sentiment":"neutral","sentiment_score":0.06444326415657997},{"text":"No.","start":527.175,"end":527.495,"sentiment":"neutral","sentiment_score":-0.045441895723342896},{"text":"That's 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up.","start":665.965,"end":668.28503,"sentiment":"positive","sentiment_score":0.362464040517807},{"text":"That's fine.","start":668.28503,"end":669.10504,"sentiment":"positive","sentiment_score":0.3401040732860565},{"text":"No.","start":686.55005,"end":686.79004,"sentiment":"neutral","sentiment_score":0.022321593016386032},{"text":"Thank you very much.","start":686.79004,"end":687.735,"sentiment":"neutral","sentiment_score":0.23755072802305222},{"text":"Well, the house is blown out, so that won't be happening for a long time, but we we understand that.","start":720.895,"end":725.635,"sentiment":"neutral","sentiment_score":-0.3115408569574356}],"sentiment":"neutral","sentiment_score":-0.00585938464754667,"num_words":39,"start":665.965,"end":725.635},{"sentences":[{"text":"The next one is to get that car payment gone.","start":726.175,"end":729.075,"sentiment":"neutral","sentiment_score":-0.18405715376138687},{"text":"We do pay an extra $20 a week on it already, but once my wife's still on maternity leave.","start":729.295,"end":736.02,"sentiment":"neutral","sentiment_score":0.014798141035594438},{"text":"She's been off since December last week on half pay.","start":736.02,"end":738.68,"sentiment":"neutral","sentiment_score":-0.09418191239237786},{"text":"So we've been managed to survive on half pay, which is great.","start":738.9,"end":741.30005,"sentiment":"neutral","sentiment_score":0.3051396083707611},{"text":"But she goes back to full pay this week, and she goes back to work in, I think, six weeks.","start":741.30005,"end":746.86505,"sentiment":"neutral","sentiment_score":0.2545633867383003}],"sentiment":"neutral","sentiment_score":0.08805235286413783,"num_words":71,"start":726.175,"end":746.86505},{"sentences":[{"text":"So once she's back to work in six weeks' time, we wanna up that $20 to probably 70 if we can find that extra 50 and and get that car loan moving along as quickly as we can just so we can become debt free.","start":746.86505,"end":759.89,"sentiment":"neutral","sentiment_score":0.2364668948782815},{"text":"Yeah.","start":768.75,"end":768.99005,"sentiment":"neutral","sentiment_score":0.1469849944114685},{"text":"I think it was at nine percent.","start":768.99005,"end":770.59,"sentiment":"neutral","sentiment_score":0.10142292933804649},{"text":"So yeah.","start":770.59,"end":771.435,"sentiment":"neutral","sentiment_score":0.08513303846120834},{"text":"Yep.","start":780.795,"end":781.295,"sentiment":"neutral","sentiment_score":0.05014612525701523}],"sentiment":"neutral","sentiment_score":0.2092565709192838,"num_words":56,"start":746.86505,"end":781.295},{"sentences":[{"text":"Oh, look.","start":794.41,"end":794.77,"sentiment":"neutral","sentiment_score":0.046406859531998634},{"text":"If you could draw from 60, that'd be that'd be awesome.","start":794.77,"end":797.45,"sentiment":"neutral","sentiment_score":0.1161659329452298},{"text":"But I think 65 is just what everyone talks about these days, isn't it?","start":797.45,"end":801.76996,"sentiment":"neutral","sentiment_score":0.015406511457903045},{"text":"As this industry.","start":801.76996,"end":802.67,"sentiment":"neutral","sentiment_score":-0.028163275370995205},{"text":"Yeah.","start":810.375,"end":810.875,"sentiment":"neutral","sentiment_score":0.006494107656180859}],"sentiment":"neutral","sentiment_score":0.04865594914243106,"num_words":31,"start":794.41,"end":810.875},{"sentences":[{"text":"Okay.","start":813.815,"end":814.315,"sentiment":"neutral","sentiment_score":0.03574436902999878},{"text":"Oh, look.","start":815.44,"end":815.76,"sentiment":"neutral","sentiment_score":0.18918347358703613},{"text":"Sixty sixty would be lovely.","start":815.76,"end":817.2,"sentiment":"positive","sentiment_score":0.49674577116966245},{"text":"I feel like I'm retired at the 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alright.","start":868.895,"end":872.515,"sentiment":"neutral","sentiment_score":0.09472177922725677}],"sentiment":"neutral","sentiment_score":0.1031232844106853,"num_words":16,"start":840.515,"end":872.515},{"sentences":[{"text":"With expenses.","start":885.83,"end":886.57,"sentiment":"neutral","sentiment_score":0.020159264095127583},{"text":"Yeah.","start":886.95,"end":887.325,"sentiment":"neutral","sentiment_score":0.016520582139492035},{"text":"Yep.","start":888.205,"end":888.60504,"sentiment":"neutral","sentiment_score":0.1117267608642578},{"text":"And we draw it as an income stream anyway.","start":888.60504,"end":890.445,"sentiment":"neutral","sentiment_score":0.2647586580779817},{"text":"We wouldn't take it all out.","start":890.445,"end":891.245,"sentiment":"neutral","sentiment_score":0.1761017988125483}],"sentiment":"neutral","sentiment_score":0.18989497825111212,"num_words":19,"start":885.83,"end":891.245},{"sentences":[{"text":"We draw it as an income 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is as of this moment.","start":956.24,"end":958.82,"sentiment":"neutral","sentiment_score":0.02914363435573048},{"text":"Is that right?","start":959.6,"end":960.42,"sentiment":"neutral","sentiment_score":0.058891440431276955}],"sentiment":"neutral","sentiment_score":0.10593273775542483,"num_words":17,"start":924.755,"end":960.42},{"sentences":[{"text":"Yep.","start":960.72003,"end":961.04,"sentiment":"neutral","sentiment_score":0.04767581075429917},{"text":"At the moment, it is long term.","start":961.04,"end":967.3,"sentiment":"neutral","sentiment_score":-0.04839436390570232},{"text":"Okay.","start":976.005,"end":976.505,"sentiment":"neutral","sentiment_score":-0.0057782623916864395},{"text":"Okay.","start":979.845,"end":980.345,"sentiment":"neutral","sentiment_score":-0.01592560112476349},{"text":"I think it was in I think it was in a higher risk at wasn't it?","start":980.885,"end":985.0,"sentiment":"neutral","sentiment_score":-0.052026740624569356}],"sentiment":"neutral","sentiment_score":-0.04404678654212218,"num_words":26,"start":960.72003,"end":985.0},{"sentences":[{"text":"And I would probably drop it back at least one level to to just high.","start":985.0,"end":988.94,"sentiment":"neutral","sentiment_score":-0.030577729642391204},{"text":"Yes.","start":1006.015,"end":1006.33496,"sentiment":"neutral","sentiment_score":0.05168414488434792},{"text":"Yep.","start":1006.33496,"end":1006.83496,"sentiment":"neutral","sentiment_score":0.05577348917722702},{"text":"Okay.","start":1016.23,"end":1016.73,"sentiment":"neutral","sentiment_score":0.05808859318494797},{"text":"Let me just log in.","start":1018.71,"end":1020.15,"sentiment":"neutral","sentiment_score":0.04128767997026443}],"sentiment":"neutral","sentiment_score":-0.0037687529364357824,"num_words":23,"start":985.0,"end":1020.15},{"sentences":[{"text":"There we 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think.","start":2355.5251,"end":2356.185,"sentiment":"positive","sentiment_score":0.6261392831802368}],"sentiment":"positive","sentiment_score":0.5542846586969163,"num_words":9,"start":2329.565,"end":2356.185},{"sentences":[{"text":"Okay.","start":2367.98,"end":2368.3801,"sentiment":"neutral","sentiment_score":0.25177401304244995},{"text":"Perfect.","start":2368.3801,"end":2368.8801,"sentiment":"positive","sentiment_score":0.3683859705924988},{"text":"Okay.","start":2388.905,"end":2389.305,"sentiment":"neutral","sentiment_score":0.2728315591812134},{"text":"Fantastic.","start":2389.305,"end":2389.805,"sentiment":"positive","sentiment_score":0.3763461112976074},{"text":"I have one question before you go.","start":2389.865,"end":2391.645,"sentiment":"neutral","sentiment_score":0.0695479695818254}],"sentiment":"neutral","sentiment_score":0.15965213101695885,"num_words":11,"start":2367.98,"end":2391.645},{"sentences":[{"text":"I when I called the other day, I've been getting text messages and and emails from the hub saying that my cash balance is below the minimum requirements.","start":2392.8098,"end":2406.03,"sentiment":"neutral","sentiment_score":-0.03585005498358181},{"text":"And then I got one that says if I don't do something immediately, they're going to draw down some assets to create cash.","start":2408.155,"end":2416.315,"sentiment":"neutral","sentiment_score":-0.02100053826427978},{"text":"Do I need to be worried about that?","start":2416.315,"end":2417.935,"sentiment":"neutral","sentiment_score":-0.012563284952193499},{"text":"Okay.","start":2426.86,"end":2427.36,"sentiment":"neutral","sentiment_score":0.10295650362968443},{"text":"Yeah.","start":2441.9749,"end":2442.2148,"sentiment":"neutral","sentiment_score":-0.005165869370102882}],"sentiment":"neutral","sentiment_score":-0.024418517458634298,"num_words":61,"start":2392.8098,"end":2442.2148},{"sentences":[{"text":"I'm like, what's doing?","start":2442.2148,"end":2443.755,"sentiment":"neutral","sentiment_score":-0.007199239917099476},{"text":"Yep.","start":2453.5198,"end":2454.0198,"sentiment":"neutral","sentiment_score":0.1418640911579132},{"text":"Okay.","start":2458.72,"end":2459.1199,"sentiment":"positive","sentiment_score":0.39743155241012573},{"text":"Perfect.","start":2459.1199,"end":2459.6199,"sentiment":"positive","sentiment_score":0.72296142578125},{"text":"I've got one more quick one.","start":2466.115,"end":2467.155,"sentiment":"neutral","sentiment_score":0.008736196827764312}],"sentiment":"neutral","sentiment_score":0.0989136377421136,"num_words":13,"start":2442.2148,"end":2467.155},{"sentences":[{"text":"Sorry to keep you waiting.","start":2467.155,"end":2467.955,"sentiment":"neutral","sentiment_score":-0.17680595219135284},{"text":"You probably got another appointment.","start":2467.955,"end":2469.3352,"sentiment":"neutral","sentiment_score":-0.062386210262775424},{"text":"With that family tax benefit that we're gonna put into the account and we're not looking at touching at this stage, if I was to, say, before June 30 next year, probably around June 30, make a voluntary super, what do you call it, contribution of maybe a couple of thousand dollars.","start":2470.8352,"end":2490.875,"sentiment":"neutral","sentiment_score":-0.002128575167332131},{"text":"Is is is that any benefit to me in terms of, like okay.","start":2490.875,"end":2498.895,"sentiment":"neutral","sentiment_score":0.09147906074157128},{"text":"Yep.","start":2503.8,"end":2504.3,"sentiment":"positive","sentiment_score":0.4105349779129028}],"sentiment":"neutral","sentiment_score":0.0038567900865975955,"num_words":76,"start":2467.155,"end":2504.3},{"sentences":[{"text":"Okay.","start":2509.96,"end":2510.46,"sentiment":"neutral","sentiment_score":0.2921372056007385},{"text":"Okay.","start":2519.9648,"end":2520.4648,"sentiment":"neutral","sentiment_score":0.029627718031406403},{"text":"Okay.","start":2530.3398,"end":2530.8398,"sentiment":"neutral","sentiment_score":0.05171391740441322},{"text":"Yeah.","start":2545.505,"end":2545.7449,"sentiment":"neutral","sentiment_score":-0.021219002082943916},{"text":"There's no tax on it.","start":2545.7449,"end":2546.785,"sentiment":"neutral","sentiment_score":-0.051921778544783595}],"sentiment":"neutral","sentiment_score":0.010294549581077363,"num_words":9,"start":2509.96,"end":2546.785},{"sentences":[{"text":"So there's no tax obligation on it.","start":2546.785,"end":2548.865,"sentiment":"neutral","sentiment_score":-0.07145124141659055},{"text":"Yeah.","start":2548.865,"end":2549.105,"sentiment":"neutral","sentiment_score":0.03714705631136894},{"text":"Yeah.","start":2549.105,"end":2549.505,"sentiment":"neutral","sentiment_score":0.04790952801704407},{"text":"Okay.","start":2549.505,"end":2550.005,"sentiment":"neutral","sentiment_score":0.04499365389347077},{"text":"Yeah.","start":2567.42,"end":2567.92,"sentiment":"neutral","sentiment_score":0.02956266701221466}],"sentiment":"neutral","sentiment_score":-0.03095870769836686,"num_words":11,"start":2546.785,"end":2567.92},{"sentences":[{"text":"Yeah.","start":2568.94,"end":2569.44,"sentiment":"neutral","sentiment_score":0.003888117615133524},{"text":"Yeah.","start":2577.525,"end":2578.025,"sentiment":"neutral","sentiment_score":0.005300430580973625},{"text":"Yep.","start":2601.46,"end":2601.825,"sentiment":"neutral","sentiment_score":0.15993234515190125},{"text":"I can.","start":2604.545,"end":2606.4048,"sentiment":"neutral","sentiment_score":0.06439526379108429},{"text":"Yes.","start":2607.265,"end":2607.765,"sentiment":"neutral","sentiment_score":0.04655012488365173}],"sentiment":"neutral","sentiment_score":0.05741025763563812,"num_words":6,"start":2568.94,"end":2607.765},{"sentences":[{"text":"I can.","start":2609.265,"end":2610.005,"sentiment":"neutral","sentiment_score":0.07111012376844883},{"text":"Yeah.","start":2621.69,"end":2622.19,"sentiment":"neutral","sentiment_score":-0.06578411906957626},{"text":"Yeah.","start":2624.17,"end":2624.49,"sentiment":"neutral","sentiment_score":-0.0005298173055052757},{"text":"No.","start":2624.49,"end":2624.65,"sentiment":"neutral","sentiment_score":-0.07064393162727356},{"text":"That's alright.","start":2624.65,"end":2625.3901,"sentiment":"neutral","sentiment_score":-0.10400518402457237}],"sentiment":"neutral","sentiment_score":-0.028963998359228884,"num_words":7,"start":2609.265,"end":2625.3901},{"sentences":[{"text":"Okay.","start":2638.9648,"end":2639.4648,"sentiment":"neutral","sentiment_score":0.04127111658453941},{"text":"Yeah.","start":2657.04,"end":2657.54,"sentiment":"neutral","sentiment_score":0.2009352445602417},{"text":"No.","start":2675.8901,"end":2676.1301,"sentiment":"neutral","sentiment_score":-0.07850927114486694},{"text":"That's alright.","start":2676.1301,"end":2676.69,"sentiment":"neutral","sentiment_score":-0.04393876437097788},{"text":"We'll just we'll just tuck the money away for the moment, and then, yeah, we'll we'll wait for your report.","start":2676.69,"end":2681.33,"sentiment":"neutral","sentiment_score":-0.003880048100836575}],"sentiment":"neutral","sentiment_score":-0.00007125603035092361,"num_words":25,"start":2638.9648,"end":2681.33},{"sentences":[{"text":"We'll go through that, and then we'll work out sort of where we sit, I think.","start":2681.33,"end":2684.31,"sentiment":"neutral","sentiment_score":0.02757833630312234},{"text":"No.","start":2688.405,"end":2688.645,"sentiment":"neutral","sentiment_score":0.06512799113988876},{"text":"You've been a big help.","start":2688.645,"end":2689.605,"sentiment":"positive","sentiment_score":0.5959517240524292},{"text":"Thank you very much.","start":2689.605,"end":2690.585,"sentiment":"positive","sentiment_score":0.6422621011734009},{"text":"Fantastic.","start":2706.8298,"end":2707.3298,"sentiment":"positive","sentiment_score":0.8201984763145447}],"sentiment":"neutral","sentiment_score":0.2546439582688941,"num_words":27,"start":2681.33,"end":2707.3298},{"sentences":[{"text":"Thanks for your call.","start":2707.47,"end":2708.19,"sentiment":"positive","sentiment_score":0.8290105909109116},{"text":"Cheers.","start":2708.19,"end":2708.69,"sentiment":"positive","sentiment_score":0.667033851146698},{"text":"Okay.","start":2710.5898,"end":2710.91,"sentiment":"neutral","sentiment_score":0.14699988067150116},{"text":"Bye.","start":2710.91,"end":2711.41,"sentiment":"neutral","sentiment_score":0.16136489808559418}],"sentiment":"positive","sentiment_score":0.6130629990782056,"num_words":7,"start":2707.47,"end":2711.41}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey. Sorry about that. It just dropped out.\n\nChannel 0: No. That's okay. I was like, I don't know if it was me or you, but I'm like, I'll call you back.\n\nChannel 1: No. I was just talking, and it it just popped out. So\n\nChannel 0: Yeah. No. Okay. If it happens again, I'll I'll just call you back.\n\nChannel 1: Thank you.\n\nChannel 0: Now asset wise, I have here two motor vehicles. One was last died at 37,000 and one was 32. Is\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: So\n\nChannel 0: still\n\nChannel 1: we've\n\nChannel 0: the case?\n\nChannel 1: now we've got one car now. Unfortunately, we had a a car fire last\n\nChannel 0: Mhmm. Oh,\n\nChannel 1: in in Easter Saturday, and we lost our one and only vehicle, but insurance thankfully come through.\n\nChannel 0: no. Oh, good. Mhmm.\n\nChannel 1: So it's a brand new car, and it's was purchased by the insurer at 45,000.\n\nChannel 0: 25. And anything owing on it, or did that just pay outright?\n\nChannel 1: No. The loans the loan transferred over, so we still have the one loan on it. And it\n\nChannel 0: Mhmm.\n\nChannel 1: was last had about 36,000 owing on it.\n\nChannel 0: 36. Okay. Otherwise, I have home in contents about 70,000.\n\nChannel 1: We just increased that to 90,000.\n\nChannel 0: Okay. Perfect. And savings about 3,000.\n\nChannel 1: Savings at the moment is probably about I'm just thinking 1,\n\nChannel 0: Mhmm.\n\nChannel 1: $2.03. It's probably 4 and a half at the moment. It's it'll be a little bit more once all the tax comes back. We're gonna put\n\nChannel 0: Yep.\n\nChannel 1: that into the\n\nChannel 0: Okay.\n\nChannel 1: account,\n\nChannel 0: Perfect.\n\nChannel 1: but right now, the bank\n\nChannel 0: Otherwise,\n\nChannel 1: will\n\nChannel 0: one credit\n\nChannel 1: be\n\nChannel 0: card\n\nChannel 1: about\n\nChannel 0: as well\n\nChannel 1: 4\n\nChannel 0: owing about\n\nChannel 1: and\n\nChannel 0: 2,000.\n\nChannel 1: a half. One credit card owing about 1,500.\n\nChannel 0: Perfect. Any other assets that we haven't gone through? Any other changes?\n\nChannel 1: No. I've got no more assets, and that's\n\nChannel 0: Yep.\n\nChannel 1: the only two debts that we have.\n\nChannel 0: Yep. Okay. Great. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case as well?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. Perfect. And any changes to your health in the last twelve months? Any significant health issues or injuries or any changes?\n\nChannel 1: No. The doctor put me back on cholesterol medication, just a very small dose\n\nChannel 0: Mhmm.\n\nChannel 1: that started six months ago\n\nChannel 0: Yep.\n\nChannel 1: after being offered for several years, but it's it it runs in the family on both sides that we have elevated\n\nChannel 0: Yeah.\n\nChannel 1: cholesterol. So it's just a precautionary thing.\n\nChannel 0: Yep. And that's kind of been managed since being on the medication. Like,\n\nChannel 1: Oh,\n\nChannel 0: the doctor's kind\n\nChannel 1: yeah.\n\nChannel 0: of\n\nChannel 1: Again,\n\nChannel 0: happy.\n\nChannel 1: there's no\n\nChannel 0: Yep.\n\nChannel 1: there's no concerns. It's look.\n\nChannel 0: Great.\n\nChannel 1: They statistically just look at a number and go, you know what? It's over the national\n\nChannel 0: Yep.\n\nChannel 1: average. You need to be on this.\n\nChannel 0: Yep.\n\nChannel 1: But it's it runs in both sides of the family. We've always been high.\n\nChannel 0: Yeah.\n\nChannel 1: It's hereditary.\n\nChannel 0: Yeah. Yeah. No. Perfect. Private health insurance.\n\nDo you have that?\n\nChannel 1: We have extras only with ambulance cover, but not private health.\n\nChannel 0: Okay. And when it comes to estate planning, I have here that you do have a will in the place. Is that correct?\n\nChannel 1: No. We would we would get we\n\nChannel 0: No?\n\nChannel 1: we need to get one drawn up. Look. We we and our about\n\nChannel 0: Everyone\n\nChannel 1: this all the time. My wife and I don't have any\n\nChannel 0: does.\n\nChannel 1: will.\n\nChannel 0: Yes.\n\nChannel 1: We don't have wills. We don't have what's really thrown us recently is we've had two family members that very unexpectedly have had health issues. One one had major brain surgery and and is still alive but hasn't recovered. And that her husband can't do anything because he didn't have guardianship over her to to to do things with her assets. So\n\nChannel 0: Yep. Yes.\n\nChannel 1: we don't have a will. We don't have guardianship. So it's probably something that we need to look at, and we've got three kids. And if something happens to both\n\nChannel 0: Yes.\n\nChannel 1: me and my wife, where do the kids go? Like, we've been thinking\n\nChannel 0: Yeah.\n\nChannel 1: about that.\n\nChannel 0: Okay. And and it is very important. And, yeah, it's unfortunate, obviously, that that has happened, and I'm very sorry to hear that that's happened to family.\n\nChannel 1: No. That's that's alright. We wanted to do something last year, but, honestly, just with, like, the changes to to work and children and things like that, we just didn't have the upfront cash to\n\nChannel 0: Yeah. Yep.\n\nChannel 1: to to pay for it. So yeah.\n\nChannel 0: Yeah. And when you guys do wanna have a look at it or when you are in a position to do so, obviously, it is very important, like you said, especially for both your assets, but then also that power of attorney so that if something were to happen to you and your wife, you can make those decisions,\n\nChannel 1: Yeah.\n\nChannel 0: and then also for for the kids. So do you guys have or know of, like, a law firm or anything close to you guys,\n\nChannel 1: Oh, look. There's\n\nChannel 0: Or\n\nChannel 1: a\n\nChannel 0: do\n\nChannel 1: few\n\nChannel 0: you\n\nChannel 1: down here in the main street.\n\nChannel 0: okay.\n\nChannel 1: I haven't inquired. You\n\nChannel 0: Mhmm.\n\nChannel 1: guys reached out to one of your preferred people\n\nChannel 0: Mhmm.\n\nChannel 1: last year, but as I said, it was just something\n\nChannel 0: Okay.\n\nChannel 1: payment wise. Like, we\n\nChannel 0: This\n\nChannel 1: did\n\nChannel 0: cost.\n\nChannel 1: inquire with\n\nChannel 0: Yeah.\n\nChannel 1: one law firm about eighteen months ago, but they wanted 3 and a half grand. And we're like, god, we can't fork out 3 and a half grand at\n\nChannel 0: That yeah.\n\nChannel 1: the\n\nChannel 0: Let me double check here\n\nChannel 1: moment.\n\nChannel 0: because the\n\nChannel 1: That was for two\n\nChannel 0: it\n\nChannel 1: of us\n\nChannel 0: does\n\nChannel 1: to get that done. It was just like, guys, we we don't have a lot. We're just a simple family.\n\nChannel 0: yeah. Now let me have a look here. So the\n\nChannel 1: Yep.\n\nChannel 0: the firm that you may have spoken through that we sent through was potentially CGM Lawyers. Now let me just check what the cost is. Okay. So just so you have it, for a basic will, which would probably your be like your it's not like it's, like, super\n\nChannel 1: Yep.\n\nChannel 0: complex with assets\n\nChannel 1: No. It's\n\nChannel 0: and\n\nChannel 1: not. No.\n\nChannel 0: trusts and stuff like that. So like you said, it's kind of like a simple will and a enduring power of attorney. So, obviously, so you can make those decisions\n\nChannel 1: Yep.\n\nChannel 0: on behalf\n\nChannel 1: Yep.\n\nChannel 0: of each other. For spouses, it's about a thousand dollars plus\n\nChannel 1: Okay.\n\nChannel 0: GST.\n\nChannel 1: Yep.\n\nChannel 0: So, obviously, a bit cheaper. So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like.\n\nChannel 1: That\n\nChannel 0: That\n\nChannel 1: would\n\nChannel 0: way,\n\nChannel 1: be. Yes. Yep.\n\nChannel 0: yeah, that way, whenever you guys do wanna have a look at it or you can give them a call and and have a bit of a chat, but\n\nChannel 1: Can\n\nChannel 0: then at\n\nChannel 1: you\n\nChannel 0: least you kind of yeah.\n\nChannel 1: yeah. Could do you have to pay for that out of your bank account, or can that be done through Super? Or\n\nChannel 0: Because it's not regards to Super, you won't be able to have it for Super. So they're quite strict of how you can actually fund things through Super, and it has\n\nChannel 1: okay.\n\nChannel 0: to kind of be related that way. So it would have to be an out of pocket expense. They might\n\nChannel 1: Okay.\n\nChannel 0: do a payment plan potentially, but worth having a chat to them and see.\n\nChannel 1: We're having a chat. Yeah. We just obviously wanna\n\nChannel 0: Yeah.\n\nChannel 1: watch that. Is that the only thing? Yeah.\n\nChannel 0: Yeah. So I'll just I'll get it to just email that to you. Like I said, completely up to you. You will then at least have it in your inbox as a little reminder to whenever you have a moment, which you probably don't have a lot of with the three kids, that it's there if you do wanna have a have a bit of a chat to them or if there's at least as a pricing guide. So if you do go to another local firm, you at least have a bit of a comparison of pricing\n\nChannel 1: Perfect.\n\nChannel 0: as well.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Okay. Perfect. Now when it comes to your hub twenty four, though, so, obviously, your superannuation, I can see here that we do have Jessica nominated at a 100%. So that would mean that, obviously, if something were to happen to you, your hub twenty four super would go directly to her. Because she's a spouse, it will be tax free as well.\n\nSo that's all set up anyway.\n\nChannel 1: Okay. Perfect. Yeah. That was something that I wanted to ask because and I'm not sure if this is true or not,\n\nChannel 0: Yep.\n\nChannel 1: but one of the people that we know whose partners recently passed away, they they had it set up like this, so that it goes to their spouse 100%. But\n\nChannel 0: Yep.\n\nChannel 1: their their solicitor or whoever's handling the the the, you know, the will or whatnot said that if it had been made to the estate or something like that, it would have been less taxed. I I I was confused when they said that. I'm like, no. No. Mine just goes to my wife.\n\nSo\n\nChannel 0: Yes. It's not because it's a spouse, so the spouse is tax free. So it\n\nChannel 1: okay.\n\nChannel 0: wouldn't matter if if it goes through the estate. Now, obviously, I'm not a lawyer, so I can't give you legal advice.\n\nChannel 1: No.\n\nChannel 0: So,\n\nChannel 1: That's\n\nChannel 0: obviously,\n\nChannel 1: right.\n\nChannel 0: if you do speak, just to the lawyer. But how we would generally work with superannuation is because it goes to your spouse, it's completely tax free. If it's\n\nChannel 1: Okay.\n\nChannel 0: usually a quicker process because if you have a correct nomination, which you do at the moment, which means a binding, non lapsing option. So binding means that you have basically the trustee, so your super fund are bound to follow your wishes. So you have a lot more certainty with the type of nomination. Not all super funds allow a binding. So\n\nChannel 1: Yep.\n\nChannel 0: some other super funds have, like, a nonbinding option, which means basically it's saying, oh, this is what we want to have happen, but it is ultimately up to the trustee to make a decision. Not the way you have. You have the the most certain option. So that would go directly to your spouse if something were to happen. That can be a lot quicker than going through the whole estate process, which can take a lot longer.\n\nChannel 1: No. That's fine.\n\nChannel 0: Now,\n\nChannel 1: I'm completely happy with the way it's it's set up then. Yep.\n\nChannel 0: yes, now from a tax difference, the the lawyer was somewhat right, but not because of the spouse. So if you have it to a child,\n\nChannel 1: Okay.\n\nChannel 0: depending on the age of the child, there can be tax consequences. Now that is both if it goes directly to the estate or through super.\n\nChannel 1: Okay.\n\nChannel 0: So for example, if you have a child that is over 18 now there are different rules if they're studying or there's a disability involved. But if we assume not, if a child is just over 18, they can be taxed up to 302% medical levy surcharge.\n\nChannel 1: Okay. No. We\n\nChannel 0: True.\n\nChannel 1: haven't got to worry about that for the next twelve years. So\n\nChannel 0: Yeah. Exactly. Now if the difference let's say, if you have it going through the estate and then from the estate, it is transferred to a child over 18, it would still be taxed for up to 30%, but it would not be the 2% medical levy. So\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: can.\n\nChannel 0: is potentially what the solicitor told\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: your your your friends or or family if they had it going through adult children. So from\n\nChannel 1: No. That's\n\nChannel 0: that\n\nChannel 1: fine.\n\nChannel 0: point\n\nChannel 1: I'm completely\n\nChannel 0: of view\n\nChannel 1: happy with the\n\nChannel 0: yeah.\n\nChannel 1: way we've we've got it set up. That's fine.\n\nChannel 0: Yes. The spouse, the way you have it right now, it's the quickest way, and it's completely tax free. So so, yeah, good question, though, to ask because it can get quite complex, especially with adult children or other interdependency relationships and stuff like that. That's just straightforward\n\nChannel 1: No.\n\nChannel 0: and\n\nChannel 1: Thank\n\nChannel 0: tax\n\nChannel 1: you\n\nChannel 0: free.\n\nChannel 1: very much.\n\nChannel 0: So so but good question, though. Now, otherwise, what we typically touch on as well is, like, other goals and stuff that you are working towards or anything else you wanna, like, achieve. Obviously, it it seems like right now the main focus is making sure everything for your super is set up correctly, invested the right way, especially when you don't have contributions going in. Aside from that, is there anything you guys are working towards financially or nonfinancially in the next couple of years?\n\nChannel 1: Well, the house is blown out, so that won't be happening for a long time, but we we understand that. The next one is to get that car payment gone. We do pay an extra $20\n\nChannel 0: Yes.\n\nChannel 1: a week on it already, but\n\nChannel 0: Okay.\n\nChannel 1: once my wife's still on maternity leave. She's been off since December last week on half pay. So we've\n\nChannel 0: Mhmm.\n\nChannel 1: been managed to survive on half pay, which is great. But she goes back to full\n\nChannel 0: Very\n\nChannel 1: pay\n\nChannel 0: good.\n\nChannel 1: this week, and she goes back to work in, I think, six weeks. So once\n\nChannel 0: Okay.\n\nChannel 1: she's back to work in six weeks' time, we wanna up that $20 to probably 70 if we can find that\n\nChannel 0: Mhmm.\n\nChannel 1: extra 50 and and get that car loan moving along as quickly as we can just so we can\n\nChannel 0: Yes.\n\nChannel 1: become debt free.\n\nChannel 0: Yes. And especially sometimes car loans, the interest can be a little bit higher as well. So it is good that you guys are kind of focusing\n\nChannel 1: Yeah. I\n\nChannel 0: on\n\nChannel 1: think\n\nChannel 0: that,\n\nChannel 1: it\n\nChannel 0: obviously,\n\nChannel 1: was at nine\n\nChannel 0: through the\n\nChannel 1: percent.\n\nChannel 0: capacity.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah. Yeah. That makes makes sense. Okay. Perfect.\n\nNow when we are coming and, obviously, talking about your superannuation, so I have here\n\nChannel 1: Yep.\n\nChannel 0: that, ideally, you would like to retire at 65. Do you think that's still the case, or do you think if you can draw an income from your super at 60, you'd want to do that?\n\nChannel 1: Oh, look. If you could draw from 60, that'd be that'd\n\nChannel 0: Yeah.\n\nChannel 1: be awesome. But\n\nChannel 0: Yeah.\n\nChannel 1: I think 65 is just what everyone talks about these days, isn't it? As this industry.\n\nChannel 0: It it's one of those things. A lot of people go, oh, 67. And I was like, okay. So you wanna work a bit longer? They're like, no.\n\nNo. No. So 60\n\nChannel 1: Yeah.\n\nChannel 0: seven, most people, is because that's when age pension, if\n\nChannel 1: Okay.\n\nChannel 0: you're eligible, comes in.\n\nChannel 1: Oh, look. Sixty sixty would be lovely. I feel like I'm retired\n\nChannel 0: Yeah.\n\nChannel 1: at the moment.\n\nChannel 0: I will put six and that's what most people don't think. So if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60.\n\nChannel 1: Okay.\n\nChannel 0: Now if you work part time or full time, there are restrictions between 60 and 65. You can still start drawing an income, but it's only up to 10% of your super balance each year.\n\nChannel 1: Yep.\n\nChannel 0: So you\n\nChannel 1: Yep.\n\nChannel 0: can still start drawing that up to 10 tax free. But if you're 60 and you're not working, you can take everything tax free or just do it like a regular income stream.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Sorry. I'll just put about 60. And I do have here an ideal income of about $1,000 for yourself. Do you think that would be a good amount to cover bills and expenses? Do you think you'd need to draw a little bit less,\n\nChannel 1: I think I\n\nChannel 0: bit\n\nChannel 1: think\n\nChannel 0: more?\n\nChannel 1: 1,000 1,000 a week would probably be alright.\n\nChannel 0: Yeah. And that's to be fair what most people say as well. And, obviously, most people's goal is by the time you do retire, not having too much debt or any debt, and then it will just kind of covering living expenses,\n\nChannel 1: With expenses.\n\nChannel 0: maybe some traveling,\n\nChannel 1: Yeah.\n\nChannel 0: and stuff like that. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: And we draw\n\nChannel 0: Perfect.\n\nChannel 1: it as an income stream anyway. We wouldn't take it all out. We draw it as an\n\nChannel 0: Yes.\n\nChannel 1: income stream. Yep.\n\nChannel 0: Yes. And then that way, obviously, everything is compounding for you and still being invested, which is it's not like it's just sitting in cash and say it will still continue to grow if it's obviously being invested.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Okay. Perfect. Now when it comes to your risk profile, I wanna make sure if we need to make any changes to it. So what I will do is just go through just a bit of a questionnaire with you. It is multiple choice, makes it nice and easy, and there's no right or wrong answer.\n\nIt's just whatever you feel is the most appropriate for you. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense, Nathan?\n\nChannel 1: It does. Thank you.\n\nChannel 0: Yeah. Okay. Now have you ever bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: No. And when it comes to level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Now this is this is as of this moment. Is that\n\nChannel 0: Yes.\n\nChannel 1: right? Yep.\n\nChannel 0: So\n\nChannel 1: At the\n\nChannel 0: it's\n\nChannel 1: moment,\n\nChannel 0: it's a it's a bit of a tricky one because, obviously, super is long term.\n\nChannel 1: it is\n\nChannel 0: And\n\nChannel 1: long\n\nChannel 0: you\n\nChannel 1: term.\n\nChannel 0: don't you don't wanna make too many changes too quickly because there's also potentially capital gains tax and stuff like that that we wanna obviously manage for you. But at the\n\nChannel 1: Okay.\n\nChannel 0: same time, it's something that you can always adjust. So\n\nChannel 1: Okay. I think\n\nChannel 0: it is\n\nChannel 1: it was\n\nChannel 0: kind of,\n\nChannel 1: in I\n\nChannel 0: Yeah.\n\nChannel 1: think it was in a higher risk at wasn't it? And I would\n\nChannel 0: Yes.\n\nChannel 1: probably drop\n\nChannel 0: Correct.\n\nChannel 1: it back at least one level to to just high.\n\nChannel 0: Yep. Okay. And that that makes sense. And that kind of aligns. Alright.\n\nSo what I might do then, actually, is kind of go through what those changes might look like from an asset allocation point of view. So, Nathan, do you have access to your emails at the moment?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Okay. So what I have done is I have just sent you an email with some documents to kind of give you a bit of an overview of where everything is at\n\nChannel 1: Okay.\n\nChannel 0: if you could access that for me.\n\nChannel 1: Let me just log in. There we go. You just said it's now, have you?\n\nChannel 0: Yes. So about\n\nChannel 1: Or\n\nChannel 0: twenty minutes ago. And\n\nChannel 1: oh, yep. Yep. Here it is. Yep.\n\nChannel 0: okay. Beautiful. Now we have also changed software, so it might look a little bit different to what you have previously have been used to. It's kind of the same concept. So what you do click on the link, Now the link will say sign now, but it will allow you to open up all the documents and view them first\n\nChannel 1: Okay. Yep.\n\nChannel 0: before it prompts you to sign. So if you can click on that for me.\n\nChannel 1: Yep. All\n\nChannel 0: Now that's perfect. Now can you see the first document where it says summary of superannuation and insurances?\n\nChannel 1: done.\n\nChannel 0: Yes.\n\nChannel 1: Yes. I can.\n\nChannel 0: Now with your, I do wanna check. So the TPA we have on file, and that is a third party authority that allows us to do research on your account has expired. They expire every couple of years. So what I have listed here for you is probably not super accurate because it's a little bit outdated. It's from\n\nChannel 1: Okay.\n\nChannel 0: the 01/16/2025. So in order for me to kind of obviously do all of this research for you, we need another TPA on file. It can take a bit of a process, but it seems like you have access to your account as well, do you,\n\nChannel 1: Yes.\n\nChannel 0: Like,\n\nChannel 1: I did.\n\nChannel 0: with\n\nChannel 1: Yes.\n\nChannel 0: Mercer. So\n\nChannel 1: Yes.\n\nChannel 0: what I can do in the meantime to make this quicker for you is if you have the option of logging in to your account for me and just kind of read out a couple of things so I can update that, that would be great. Perfect.\n\nChannel 1: Yeah. I'll do that right now.\n\nChannel 0: Because sometimes the TPA I will still because with Mercer, they needed to be wet signed. So I can still get the team through in the back end, post that out to you and and get it sorted, but it will take a little while, obviously. So we'll just do that in the back end. But, yeah, if I can get those now, then at least I can put all of this together for you now so I don't keep you waiting for for because that can\n\nChannel 1: No.\n\nChannel 0: take sometimes,\n\nChannel 1: You're\n\nChannel 0: like,\n\nChannel 1: you're\n\nChannel 0: a month\n\nChannel 1: right.\n\nChannel 0: or so. So it just makes it quicker. So let me know when you are logged in.\n\nChannel 1: Just looking in there, thinking\n\nChannel 0: Yep.\n\nChannel 1: about it. Oh, hang on. In the wrong section. That's why I didn't do it.\n\nChannel 0: That's all good?\n\nChannel 1: Sorry. It's just doing the second authentication thing where it wants to send me a thing to my email address.\n\nChannel 0: Oh, yeah. No.\n\nChannel 1: Here\n\nChannel 0: All good.\n\nChannel 1: we\n\nChannel 0: I make it hard sometimes. It's good\n\nChannel 1: go.\n\nChannel 0: for security purposes, but I make it tricky\n\nChannel 1: Oh, they\n\nChannel 0: sometimes,\n\nChannel 1: did.\n\nChannel 0: especially when you need, like, the authenticator app and everything. Oh, drives me crazy.\n\nChannel 1: Enter code. Which is good because, you know,\n\nChannel 0: Yes.\n\nChannel 1: it it stops people from\n\nChannel 0: Correct. The privacy, cybersecurity is a bit stronger, which is which is good.\n\nChannel 1: yeah. Yeah. Alright. Here we go. Sorry.\n\nOh, hang on.\n\nChannel 0: Okay.\n\nChannel 1: Where's the thing with me? Hang on. Yep. Perfect there, guys.\n\nChannel 0: Okay. Could\n\nChannel 1: What\n\nChannel 0: you\n\nChannel 1: would\n\nChannel 0: read\n\nChannel 1: you like to\n\nChannel 0: out\n\nChannel 1: know?\n\nChannel 0: yep. So can you read out your current balance as of today?\n\nChannel 1: Yep. Cool. It's going down a couple of bucks. 11,845.\n\nChannel 0: 45. Perfect. Now can you see what investments you're currently invested in? Does it have, like, an investment name or anything like that?\n\nChannel 1: Let's have a quick look. Account summary. Doesn't seem to say anything.\n\nChannel 0: Have you changed changed\n\nChannel 1: I\n\nChannel 0: it?\n\nChannel 1: have not changed.\n\nChannel 0: Okay.\n\nChannel 1: No. It\n\nChannel 0: Okay.\n\nChannel 1: since ever it was turned over, it's whatever\n\nChannel 0: Okay.\n\nChannel 1: it went into.\n\nChannel 0: Okay. Because I have here that when we did research on it on the 01/16/2025, it was invested in Mercer High Growth at a 100%. So if you\n\nChannel 1: That\n\nChannel 0: haven't\n\nChannel 1: would be the\n\nChannel 0: changed\n\nChannel 1: same.\n\nChannel 0: it\n\nChannel 1: No no changes.\n\nChannel 0: okay. Okay. Great. Perfect. Now if you can go does it have, like, an insurance option?\n\nChannel 1: Probably does. Let me have a look here. Insurance. Yep.\n\nChannel 0: Yep. Could you read\n\nChannel 1: Yep.\n\nChannel 0: out to me your life insurance, how much you are covered for?\n\nChannel 1: Yep. Death cover is 250,000.\n\nChannel 0: Perfect. Does it have the premium there as well, how much\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: And\n\nChannel 0: pay?\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: your premium is $262.03.\n\nChannel 0: Two sorry. Sorry. Was that $262.03\n\nChannel 1: Yes. $2.06 2.03.\n\nChannel 0: per year. And the total permanent disability?\n\nChannel 1: 250,000,\n\nChannel 0: Yep.\n\nChannel 1: and annual premium is $1.07 7.53.\n\nChannel 0: $5.05 3. And that's also per year?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. Perfect. And no income protection? Just the life and TPD? Yep.\n\nChannel 1: None.\n\nChannel 0: Okay. Perfect. Now while you're on that page, does it say when the opt in expires or anything? This is a opt\n\nChannel 1: I'm\n\nChannel 0: in until a certain time frame.\n\nChannel 1: just\n\nChannel 0: Because some have different time frames, or some, if you've just opted in as long as you have enough funds in there, it's okay.\n\nChannel 1: looking everywhere here.\n\nChannel 0: Mhmm.\n\nChannel 1: I might be in the screen about insurance. No. It doesn't I can't find anything to do with that. Sorry.\n\nChannel 0: Okay. No. That's okay. What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time,\n\nChannel 1: Okay. Yep.\n\nChannel 0: which we can\n\nChannel 1: Yep.\n\nChannel 0: assist you with. Does it have your beneficiary nomination listed anywhere?\n\nChannel 1: Let me have a quick look.\n\nChannel 0: Yep.\n\nChannel 1: Can't see, but I do recall getting something from them in the mail to say that she was still on it at a at a 100%.\n\nChannel 0: Okay. Okay. Yeah.\n\nChannel 1: And that\n\nChannel 0: Because\n\nChannel 1: was that was a few months ago.\n\nChannel 0: oh, beautiful. Because, yeah, again, what I have here from 2025 is Jessica was nominated. Sorry.\n\nChannel 1: Yes.\n\nChannel 0: That is that's that's good. Okay. Beautiful. Now that was basically all I needed, so thank you so much for obtaining that for me.\n\nChannel 1: You're right.\n\nChannel 0: Like I said, I will still get the team through post out that TPA. So when you see it in the post, it is just so that we can get it in the back end with Mazda. We can't change anything for you, but it allows us to just check every now and then to make sure everything is in order. But you've given me everything I need for the resetting right to get it started. So that's good.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your\n\nChannel 1: Yes.\n\nChannel 0: current super balance. The the Mercer information, you can see there at least. The summary short stays the same, so that is good. Obviously, a little bit more in your Mercer account.\n\nChannel 1: Yep.\n\nChannel 0: Now next document, does that have a performance report with hub twenty four? Does it say that? Performance\n\nChannel 1: Yes. I got\n\nChannel 0: with\n\nChannel 1: it.\n\nChannel 0: I\n\nChannel 1: Yes.\n\nChannel 0: r r. Yep. Now you should have two. So they're both the same. It is just two different time frame.\n\nAnd that is just to show you as well kind of with the market. But this is like I said, I do wanna do a bit more in-depth with your investment. So when we are looking over the twelve month period first, so the one that you look at at the top is the same from the 07/14/2025 to the 07/13/2026? Yes.\n\nChannel 1: Yeah. It does.\n\nChannel 0: Perfect. So this is the 12 period. Now over the last twelve months, we've kind of already touched on there. There has obviously been some ups and downs in the market fluctuation. Now it also breaks down all your individual investments and how they have performed and what has happened in the market.\n\nNow if you look in the second column to the right, it should say internal rate of return, and it's like a percentage. Can you see that?\n\nChannel 1: Yes. I can.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: So the top one here is the one I wanna look at changing for you, which is your Benelung Australian Equi. The reason is that it is underperforming a little bit. Now the last three months, it has come back a little bit, but it's\n\nChannel 1: Yeah.\n\nChannel 0: still underperforming to what we would like. So you can see that's in bracket, which means over twelve month period, it was down. All the others, you can see, are positive and doing well.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: this is where yeah. So this is what I do when I look at changing this one. But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best option.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I will do all of that as part of the research. Now if you then click next for me, you\n\nChannel 1: Yeah.\n\nChannel 0: should have the three month version.\n\nChannel 1: I do. Yes.\n\nChannel 0: Yes. Okay. Perfect. So you can see here that it's still down, but it has come back up a bit, which is great. Because at the same time, we don't wanna sell it at the bottom.\n\nBut if it's not gonna\n\nChannel 1: Yep.\n\nChannel 0: do the best for you, we also don't wanna just keep it and and hope for it to come back around if we foresee better options. So even in the last twelve months, it has done a little bit better, which is good. So like I said, I will go in a bit more in-depth in your investments, do some\n\nChannel 1: Mhmm.\n\nChannel 0: research for that, and and take everything and put together some different strategies. Now if you wanna go to the next document for me, you\n\nChannel 1: Yeah.\n\nChannel 0: should have a Vanguard index chart, I believe.\n\nChannel 1: It does.\n\nChannel 0: Yes. So this is the one that kind of relates back to those risk profiles we were talking about. So have you seen something like this before?\n\nChannel 1: In previous reviews. Yes.\n\nChannel 0: Previous? Yeah. Okay. Perfect. So it's pretty straightforward in that, like, it just gives us a good overview of the market and kind of the ups and downs and different market fluctuations that can happen.\n\nSo this one here goes back to 1995 through to 2025.\n\nChannel 1: Okay.\n\nChannel 0: You can obviously see the ups and downs. The market always goes up in the long term, but, obviously, short term, depending on kind of the events in the world, they're gonna go up a lit up and down a little bit. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth. So it's still obviously wanna make sure that your super is growing, which is important. We don't wanna be too defensive either. Because if\n\nChannel 1: Yep.\n\nChannel 0: we're too defensive, then you're not gonna grow as smart, and then those fees might not outperform it.\n\nChannel 1: Okay.\n\nChannel 0: But at the same time, I understand if you wanna take a little bit like, a little bit more defensive approach than that high risk, especially with those fluctuations not seeing as big of a dip. So both growth and high growth are focusing on growing your super. The difference is the percentage of how much you have allocated to each option. So\n\nChannel 1: Wrong.\n\nChannel 0: in a high growth, you can see on the right column, you can see the different kind of asset classes. So when we talk about growth assets, we talk about your top score. So that is your US shares, which is like the light green line, if you can see that.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. And then you have your dark green line, which is Australian shares. You have international shares, which is yellow, and then property as well, which is, like, the maroon color. So all those\n\nChannel 1: Yep.\n\nChannel 0: top four, we kind of combine into what we call your growth in investments. Now these are the ones you can see. They grow the most, also fluctuate the most.\n\nChannel 1: Okay.\n\nChannel 0: So at the moment, you have about 90% invested in these. If we look at moving to a growth, it's about a 10% difference. So it's about 80%. So 80% will still focus on growing,\n\nChannel 1: Yep.\n\nChannel 0: but instead of just having 10 in the bottom three, which is like your defensive investments, which you can see don't grow as much, but a bit more stable. So instead of having just 10%, it's shifting it a little bit and having about 20% in in that option.\n\nChannel 1: I try. That\n\nChannel 0: Does\n\nChannel 1: makes\n\nChannel 0: that make\n\nChannel 1: sense.\n\nChannel 0: sense?\n\nChannel 1: It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. Thank you for explaining a lot that.\n\nChannel 0: No. That's so good. That's why this one is so good because sometimes it's just easier to look at it that way. So what I can do is if you wanted to kind of look at reducing it one step is part of the research is put together and review different growth options and seeing what is going to be the best for you with your current situation.\n\nChannel 1: Yeah. Yeah. Yeah. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: I think that's where we need to be at. Yes.\n\nChannel 0: Yeah. Okay. And it's always something we can change. So if in, like, a couple of years, like, even if it's, like, two, three years and you go, you know what? You're back working or depending on what's going on, you might wanna look at changing it.\n\nIt's it's something it's not like a set and forget thing. Yes. We don't wanna day trade your super because, obviously, fees and everything like that. Capital gains tax is not something we day trade, but at the same time, it's not something we just leave forever either. Because\n\nChannel 1: Right.\n\nChannel 0: your life\n\nChannel 1: Okay.\n\nChannel 0: situation changed, market changed. But then, also, the older you get and the closer you do get to retirement, you do wanna potentially look at decreasing that risk. So, gradually, what we see, the closer and closer you get, you then kind of step down. The next will be, like, your balance growth and then balance, then you get, like, more defensive because you have less time for those fluctuations.\n\nChannel 1: Gotcha. Gotcha. Can\n\nChannel 0: Yeah.\n\nChannel 1: I ask\n\nChannel 0: Yeah.\n\nChannel 1: a quick question?\n\nChannel 0: Yeah.\n\nChannel 1: You mentioned capital gains. How would I pay capital gains, or why would I pay capital gains on it?\n\nChannel 0: Yeah. It's a great question. So let's say when you sell investments that have gone up, you have to pay capital gains tax. The same as, let's say, you have an investment property and you sell that or any personal investment,\n\nChannel 1: Okay.\n\nChannel 0: you have to pay capital gains tax on the earning. The same goes for superannuation.\n\nChannel 1: Alright.\n\nChannel 0: Difference\n\nChannel 1: Okay.\n\nChannel 0: is yeah. So the difference is it's paid within the super environment. So it's not something that you pay for yourself. It's not something you would have to declare in your tax return or pay for yourself, but it is deducted within the super environment. So that is something that I would factor into the research because I also wanna minimize that for you.\n\nChannel 1: Right. So if there was, like, a a a large capital gains tax, then it might be best to stay in where it is. Is that what you're saying?\n\nChannel 0: Correct. Potentially,\n\nChannel 1: Yep.\n\nChannel 0: if that is a good investment, if if that's one that's gone off a lot, then\n\nChannel 1: Yep.\n\nChannel 0: we wanna potentially potentially keep it, but maybe just reduce how much we have in it if it's, like, a a more of your high risk one. So\n\nChannel 1: Okay.\n\nChannel 0: that will be kind\n\nChannel 1: Yep.\n\nChannel 0: of part part of it is making sure we minimize the capital gains as much as possible, but at the same time, swapping out any investments that's necessary. All\n\nChannel 1: Okay.\n\nChannel 0: of that\n\nChannel 1: Perfect.\n\nChannel 0: will be in that research document. So I will do all the math and do all the calculations, and there's a lot of different options to look at. And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it it gets a bit technical, but that's also what we are here to assist with. Yep. Does that make sense, Nathan?\n\nChannel 1: Perfect. It does. Thank you.\n\nChannel 0: Yep. Yep. Perfect. Now the next document should be a Oakview services guide.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Again, you probably have seen this before. It is one of those kind of compliance documents that give you all the important information in regards to us here at Oakview. Now if you do have a bit of a scroll through it, and you're more than welcome to obviously go through this in your own time as as well and have a bit of a read over it.\n\nNone of the important information has changed. But we've had a bit of\n\nChannel 1: Okay.\n\nChannel 0: an extension to the team, which is great, and also a bit of an updated marketing. Now if you would like to put a face to the voice, because sometimes that's nice when we're talking over the phone so you actually know who you're talking to, if you wanna scroll down to page 10, you should actually see a photo of myself there.\n\nChannel 1: Oh, yeah. Perfect.\n\nChannel 0: Yeah. And sometimes it is nice to be like, you know, it is someone here on the other side as well and actually knowing who you are talking to.\n\nChannel 1: Talking to. Exactly.\n\nChannel 0: Yeah. Perfect. Now the next document, Nathan, should be your ongoing service agreement, I believe.\n\nChannel 1: Yes.\n\nChannel 0: Yes. Now this is the one I touched on earlier. So that is your ongoing fee arrangement. Now like I said to you, it is not changing the fee structure. It stays exactly the same at 1.65.\n\nThe biggest thing, it is not a lock in contract. So\n\nChannel 1: Okay.\n\nChannel 0: if at\n\nChannel 1: Yep.\n\nChannel 0: any\n\nChannel 1: That's\n\nChannel 0: point\n\nChannel 1: it.\n\nChannel 0: in time you decide, no. Even, let's say, we do the research and you go, yeah. Of course. Let's give it a go. Like I said, even if it's a week after that, if it's a month or six months, whatever it might be, if you feel it's not the right option for you, you can cancel it whenever you want to.\n\nIt's not like a yearly amount deducted and you're locked in for twelve months. It is not like that.\n\nChannel 1: Okay.\n\nChannel 0: There's no\n\nChannel 1: Okay.\n\nChannel 0: exit\n\nChannel 1: Perfect.\n\nChannel 0: fees or anything like that. Yeah. But, basically, by obviously signing it, it means that we can keep managing your investments and do the research and everything for you in the meantime.\n\nChannel 1: No. That's terrific. I'm I'm quite happy with that.\n\nChannel 0: Yeah. Okay. Great. Perfect. Now the next document so, yeah, if you're happy to do so, it will ask you to add a little signature at the bottom there,\n\nChannel 1: Yep.\n\nChannel 0: and it would automatically add the date, I believe, as well.\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yep. Now there is one more it will ask you to sign next, which should be your t p let me see. Your tax phone number opt in for?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Sorry. This is just a compliance form to say that we are keeping your tax phone number secure and safe on file.\n\nChannel 1: Okay.\n\nChannel 0: And it will also ask if you're happy to do so, just put a little signature and a date box there as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Perfect. That's\n\nChannel 0: Yep.\n\nChannel 1: done.\n\nChannel 0: And then it should say validate, I believe.\n\nChannel 1: Yes.\n\nChannel 0: Yes. When you press validate, it will then automatically send it back to me. I can get all of that processed, but you can also go back. You can download all the documents if you wanted to, or you can ever just go back into the email whenever you want to if you do wanna have a read through any of the documents again as well.\n\nChannel 1: Yeah. No. That that's fantastic. It\n\nChannel 0: Yep.\n\nChannel 1: says it's done now.\n\nChannel 0: Okay. Perfect. Yep. I can see that has come through on my end, which is fantastic. Now what I wanna do as well while I have you on the phone is booking in a appointment to go through all that research with you.\n\nChannel 1: Yeah.\n\nChannel 0: So it will take about a week for me to put it all together.\n\nChannel 1: That's fine. Yep.\n\nChannel 0: So do you have any availability sometimes mid to end next week?\n\nChannel 1: Let me just bring up my calendar. Where are we?\n\nChannel 0: Yep.\n\nChannel 1: So next week, we are away for the full week. We\n\nChannel 0: Okay.\n\nChannel 1: go on on a little holiday down to Canberra with the kids, possibly to see some\n\nChannel 0: Lovely.\n\nChannel 1: snow. Like, it's worst snow season on record.\n\nChannel 0: Hopefully, you get a good one, though.\n\nChannel 1: We'll see what happens. So we\n\nChannel 0: Yeah.\n\nChannel 1: are back on Monday, the twenty seventh. So anytime from there, if that's alright.\n\nChannel 0: Yeah. So I can either do Monday the twenty seventh in the afternoon, or if you do wanna get settled, we can do the Tuesday the twenty eighth.\n\nChannel 1: Twenty seventh is fine if you wanna\n\nChannel 0: 20\n\nChannel 1: lock that in.\n\nChannel 0: seventh?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If\n\nChannel 0: Okay.\n\nChannel 1: that's enough\n\nChannel 0: Let\n\nChannel 1: time\n\nChannel 0: me\n\nChannel 1: for you.\n\nChannel 0: yeah. No. That should be plenty. Now let me see. I could do 03:00.\n\nWould that work?\n\nChannel 1: 03:00. It's just school pickup time at three. That's the only thing.\n\nChannel 0: When will you act Or I could do when do you normally have to do pickup?\n\nChannel 1: No. I I normally leave home about 02:30, and I'm back home by about quarter past three, 03:30.\n\nChannel 0: Okay. I can do 01:00 otherwise. So before kind of school\n\nChannel 1: Yeah.\n\nChannel 0: rush, so\n\nChannel 1: That that that\n\nChannel 0: the\n\nChannel 1: probably\n\nChannel 0: kids are\n\nChannel 1: be\n\nChannel 0: not home,\n\nChannel 1: yeah. Yeah.\n\nChannel 0: and you have to do that. Okay.\n\nChannel 1: 1PM\n\nChannel 0: Perfect.\n\nChannel 1: would be good.\n\nChannel 0: Okay. So I will sorry. 01:30. Would that be\n\nChannel 1: One\n\nChannel 0: okay?\n\nChannel 1: 01:30 fine. Yeah.\n\nChannel 0: Yeah. Okay. So I will lock that in on Monday, July 27 at 01:30. Now if you do wanna have if you can have access to your emails at the time, it will be good because there is a bit to kind of usually go through. I will send you the whole proposal, and we can go through it together.\n\nAnd then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do.\n\nChannel 1: Yeah. No. That that sounds fantastic. I think.\n\nChannel 0: Yep. Perfect. Now if anything does change, if you extend your holiday or, you know, you need to push it back, just even send me a text or email or call the office, and we can always get it rescheduled for you if you need to.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yeah. Perfect. Otherwise, like I said, the team will post out a TPA for you as well just so we can have it on file with Martha, but you've given me everything I need for this, which is perfect. And I will also get the team to email you that lawyer information just so that you have it handy if you need it.\n\nChannel 1: Okay. Fantastic. I have one\n\nChannel 0: Yeah.\n\nChannel 1: question before you go.\n\nChannel 0: Yes.\n\nChannel 1: I when I called the other day, I've been getting text messages and and emails from the hub saying that\n\nChannel 0: Mhmm.\n\nChannel 1: my cash balance is below the minimum requirements.\n\nChannel 0: Yes.\n\nChannel 1: And then I got one that says if I don't do something immediately, they're going to draw down some assets to create cash. Do I need to be worried about that?\n\nChannel 0: No. It's something they automatically they always send in, and that is just to make sure there's, like, enough money in there for for fees and stuff like that.\n\nChannel 1: Okay.\n\nChannel 0: It all happens in the back end automatically and also something the investment team keep an eye on, but it's all kind of a setting in the back end through to making sure. So you don't have to worry about it. Sometimes it can be annoying if they send you a couple because it might sound like you need to do something.\n\nChannel 1: Yeah. I'm like, what's doing?\n\nChannel 0: You're like, oh, what is happening? No. You don't have to. It's something that you just automatically send out when when because, obviously, with this market fluctuations, the value of investments go up and down.\n\nChannel 1: Yep.\n\nChannel 0: So it just kind of automatically rebalances out. Yeah. Not something you have to worry about.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yeah. Perfect. Now, Nathan, do you have any other questions for me at this point before I let you go otherwise?\n\nChannel 1: I've got one more quick one. Sorry to keep you waiting. You\n\nChannel 0: Yeah.\n\nChannel 1: probably got another appointment.\n\nChannel 0: That's\n\nChannel 1: With that family tax benefit that we're gonna put into\n\nChannel 0: okay.\n\nChannel 1: the account and we're not looking at touching at this stage, if I was to, say, before June 30 next year, probably around June 30, make a voluntary super,\n\nChannel 0: Mhmm. Contribution?\n\nChannel 1: what do you call it, contribution\n\nChannel 0: Yes.\n\nChannel 1: of maybe a\n\nChannel 0: Yes.\n\nChannel 1: couple of thousand dollars. Is is\n\nChannel 0: Yep.\n\nChannel 1: is that any benefit to me\n\nChannel 0: Yes\n\nChannel 1: in terms\n\nChannel 0: and\n\nChannel 1: of,\n\nChannel 0: no.\n\nChannel 1: like okay.\n\nChannel 0: Yes. Because it boosts your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: So it means you have money going into superannuation, which is fantastic and over see compound.\n\nChannel 1: Okay.\n\nChannel 0: The reason why most people do it is aside from the super benefit is so that you can claim a notice of intent. So that\n\nChannel 1: Okay.\n\nChannel 0: maybe was something your accountant touched on, which is why you can claim the tax back. You have the biggest benefit by doing that if you're in a high income earner. So the\n\nChannel 1: Okay.\n\nChannel 0: higher income you're on, the more of the tax saving you will get back. If you don't earn an income and it's not money you've actually paid tax on, the tax benefit might not be the best option.\n\nChannel 1: Yeah. There's\n\nChannel 0: In\n\nChannel 1: no\n\nChannel 0: saying\n\nChannel 1: tax\n\nChannel 0: that\n\nChannel 1: on it. So there's no tax obligation\n\nChannel 0: exactly.\n\nChannel 1: on it. Yeah. Yeah. Okay.\n\nChannel 0: In saying that, though, there are a lot of other different strategies to look at in this situation. So even if it gets closer to, I would say, absolute latest, maybe first week of June, just to\n\nChannel 1: Yeah.\n\nChannel 0: give it enough time,\n\nChannel 1: Yeah.\n\nChannel 0: that there are a lot of different strategies to look at instead. So if you are on a low income earner or, like, they're not earning an income,\n\nChannel 1: Yeah.\n\nChannel 0: the government has a different scheme, which can be worth me considering for you at the time, which is called a government co contribution. Basically, what that is is if you put a little bit of money into superannuation, it is a voluntary contribution, but it's not something you claim tax on. The government, to help assist you because you'll be considered a low income earner,\n\nChannel 1: Yep.\n\nChannel 0: will put a little bit more money in. So, often,\n\nChannel 1: I\n\nChannel 0: it's like if you put in a\n\nChannel 1: can.\n\nChannel 0: thousand dollars, they\n\nChannel 1: Yes.\n\nChannel 0: match and put 500 in. So\n\nChannel 1: I\n\nChannel 0: from\n\nChannel 1: can.\n\nChannel 0: a overall benefit, that usually gives you a lot more because it's obviously a lot more like, it's 50¢ to the dollar versus the tax saving, which, in your case, if you're if you don't earn an income,\n\nChannel 1: Yeah.\n\nChannel 0: wouldn't be. Exactly. So there's\n\nChannel 1: Yeah.\n\nChannel 0: a lot\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: That's\n\nChannel 0: different\n\nChannel 1: alright.\n\nChannel 0: way to consider. But, also, what we could look at is, especially if your wife is on a higher income, there are different strategies where she can make spousal contributions on your behalf into\n\nChannel 1: Okay.\n\nChannel 0: your super to get a bit of tax saving. She could potentially make voluntary contributions or salary sacrifice into her super. We can then shift some into yours. So it's kind of like there's a lot of different things you can do if one person is a high income earner and one a low income earner\n\nChannel 1: Yeah.\n\nChannel 0: to benefit both of you. So, like, there's a lot of really good things we can do, so it's good that you guys are are thinking about it. And definitely something that we can we can even have chat to both of you closer to the end of the next financial year or just yourself if she doesn't wanna be involved. So, yeah, there's there's a lot of different things.\n\nChannel 1: No. That's alright. We'll just we'll just tuck the money away for the moment, and then, yeah, we'll we'll wait for your report.\n\nChannel 0: Reassess.\n\nChannel 1: We'll go through that, and then we'll work out sort\n\nChannel 0: Yeah.\n\nChannel 1: of where we sit, I think.\n\nChannel 0: Yeah. Okay. Sounds beautiful. Now, Nathan, any other questions for me?\n\nChannel 1: No. You've been a big help.\n\nChannel 0: No.\n\nChannel 1: Thank you very much.\n\nChannel 0: No problem. If there is anything you need, though, even between now and this July 27, just send me an email or give me a call. Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back.\n\nChannel 1: Fantastic. Thanks for your call. Cheers.\n\nChannel 0: Mhmm. No problem. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":0.79999995,"end":1.04,"sentiment":"neutral","sentiment_score":-0.1200529932975769},{"text":"Sorry about that.","start":1.04,"end":1.5999999,"sentiment":"negative","sentiment_score":-0.3655723035335541},{"text":"It just dropped out.","start":1.5999999,"end":2.74,"sentiment":"negative","sentiment_score":-0.43627800792455673}],"sentiment":"negative","sentiment_score":-0.37023524194955826,"channel":1,"num_words":8,"start":0.79999995,"end":2.74},{"sentences":[{"text":"No.","start":3.12,"end":3.36,"sentiment":"neutral","sentiment_score":-0.3202856183052063},{"text":"That's okay.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":-0.25218986719846725},{"text":"I was like, I don't know if it was me or you, but I'm like, I'll call you back.","start":3.6799998,"end":6.58,"sentiment":"neutral","sentiment_score":-0.17912245110461586}],"sentiment":"neutral","sentiment_score":-0.192181451076811,"channel":0,"num_words":22,"start":3.12,"end":6.58},{"sentences":[{"text":"No.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":-0.2351851463317871},{"text":"I was just talking, and it it just popped out.","start":7.12,"end":9.28,"sentiment":"neutral","sentiment_score":-0.21546207517385482},{"text":"So","start":9.28,"end":9.44,"sentiment":"neutral","sentiment_score":-0.11747730523347856}],"sentiment":"neutral","sentiment_score":-0.2089402669419845,"channel":1,"num_words":12,"start":6.8799996,"end":9.44},{"sentences":[{"text":"Yeah.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":-0.1033470779657364},{"text":"No.","start":10.24,"end":10.48,"sentiment":"neutral","sentiment_score":-0.14564397931098938},{"text":"Okay.","start":10.48,"end":10.719999,"sentiment":"neutral","sentiment_score":-0.061789363622665405},{"text":"If it happens again, I'll I'll just call you back.","start":10.719999,"end":13.059999,"sentiment":"neutral","sentiment_score":-0.05224838685244322}],"sentiment":"neutral","sentiment_score":-0.0640972530326018,"channel":0,"num_words":13,"start":9.5199995,"end":13.059999},{"sentences":[{"text":"Thank 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Easter Saturday, and we lost our one and only vehicle, but insurance thankfully come through.","start":30.78,"end":37.04,"sentiment":"neutral","sentiment_score":-0.17221210634007172}],"sentiment":"neutral","sentiment_score":-0.17221210634007172,"channel":1,"num_words":17,"start":30.78,"end":37.04},{"sentences":[{"text":"no.","start":37.07,"end":37.55,"sentiment":"neutral","sentiment_score":-0.0941007137298584},{"text":"Oh, good.","start":37.55,"end":38.205,"sentiment":"neutral","sentiment_score":0.10083218291401863},{"text":"Mhmm.","start":38.205,"end":38.705,"sentiment":"neutral","sentiment_score":0.03146006911993027}],"sentiment":"neutral","sentiment_score":0.03475593030452728,"channel":0,"num_words":4,"start":37.07,"end":38.705},{"sentences":[{"text":"So it's a brand new car, and it's was purchased by the insurer at 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can","start":1438.04,"end":1438.6,"sentiment":"neutral","sentiment_score":0.09602710107962291}],"sentiment":"neutral","sentiment_score":0.09602710107962291,"channel":0,"num_words":3,"start":1438.04,"end":1438.6},{"sentences":[{"text":"Yep.","start":1438.2899,"end":1438.7899,"sentiment":"neutral","sentiment_score":0.09439253062009811}],"sentiment":"neutral","sentiment_score":0.09439253062009811,"channel":1,"num_words":1,"start":1438.2899,"end":1438.7899},{"sentences":[{"text":"assist you with.","start":1438.6,"end":1439.66,"sentiment":"neutral","sentiment_score":0.11480583995580673},{"text":"Does it have your beneficiary nomination listed anywhere?","start":1440.28,"end":1443.8201,"sentiment":"neutral","sentiment_score":0.04453043593093753}],"sentiment":"neutral","sentiment_score":0.06369645521044731,"channel":0,"num_words":11,"start":1438.6,"end":1443.8201},{"sentences":[{"text":"Let me have a quick look.","start":1445.305,"end":1446.525,"sentiment":"neutral","sentiment_score":0.04080937337130308}],"sentiment":"neutral","sentiment_score":0.04080937337130308,"channel":1,"num_words":6,"start":1445.305,"end":1446.525},{"sentences":[{"text":"Yep.","start":1447.175,"end":1447.675,"sentiment":"neutral","sentiment_score":0.05956766754388809}],"sentiment":"neutral","sentiment_score":0.05956766754388809,"channel":0,"num_words":1,"start":1447.175,"end":1447.675},{"sentences":[{"text":"Can't see, but I do recall getting something from them in the mail to say that she was still on it at a at a 100%.","start":1453.625,"end":1463.8099,"sentiment":"neutral","sentiment_score":0.00913276276192986}],"sentiment":"neutral","sentiment_score":0.00913276276192986,"channel":1,"num_words":26,"start":1453.625,"end":1463.8099},{"sentences":[{"text":"Okay.","start":1463.3501,"end":1463.8501,"sentiment":"neutral","sentiment_score":0.051779359579086304},{"text":"Okay.","start":1464.31,"end":1464.79,"sentiment":"neutral","sentiment_score":0.0468808189034462},{"text":"Yeah.","start":1464.79,"end":1465.1901,"sentiment":"neutral","sentiment_score":0.046267688274383545}],"sentiment":"neutral","sentiment_score":0.048309288918972015,"channel":0,"num_words":3,"start":1463.3501,"end":1465.1901},{"sentences":[{"text":"And that","start":1464.91,"end":1465.3099,"sentiment":"neutral","sentiment_score":0.0361679308116436}],"sentiment":"neutral","sentiment_score":0.0361679308116436,"channel":1,"num_words":2,"start":1464.91,"end":1465.3099},{"sentences":[{"text":"Because","start":1465.1901,"end":1465.6901,"sentiment":"neutral","sentiment_score":0.017233744263648987}],"sentiment":"neutral","sentiment_score":0.017233744263648987,"channel":0,"num_words":1,"start":1465.1901,"end":1465.6901},{"sentences":[{"text":"was that was a few months ago.","start":1465.3099,"end":1466.9299,"sentiment":"neutral","sentiment_score":0.028942161904914037}],"sentiment":"neutral","sentiment_score":0.028942161904914037,"channel":1,"num_words":7,"start":1465.3099,"end":1466.9299},{"sentences":[{"text":"oh, beautiful.","start":1467.43,"end":1468.0701,"sentiment":"positive","sentiment_score":0.452146053314209},{"text":"Because, yeah, again, what I have here from 2025 is Jessica was nominated.","start":1468.0701,"end":1474.635,"sentiment":"neutral","sentiment_score":0.22951319469855383},{"text":"Sorry.","start":1475.255,"end":1475.5751,"sentiment":"neutral","sentiment_score":0.12897589802742004}],"sentiment":"neutral","sentiment_score":0.25105872098356485,"channel":0,"num_words":16,"start":1467.43,"end":1475.5751},{"sentences":[{"text":"Yes.","start":1475.4651,"end":1475.9651,"sentiment":"neutral","sentiment_score":0.23102018237113953}],"sentiment":"neutral","sentiment_score":0.23102018237113953,"channel":1,"num_words":1,"start":1475.4651,"end":1475.9651},{"sentences":[{"text":"That is that's that's good.","start":1475.5751,"end":1477.0951,"sentiment":"positive","sentiment_score":0.3645463943481445},{"text":"Okay.","start":1477.0951,"end":1477.5951,"sentiment":"positive","sentiment_score":0.42548996210098267},{"text":"Beautiful.","start":1477.655,"end":1478.155,"sentiment":"positive","sentiment_score":0.6321372985839844},{"text":"Now that was basically all I needed, so thank you so much for obtaining that for me.","start":1478.775,"end":1483.3551,"sentiment":"positive","sentiment_score":0.5635035300956053}],"sentiment":"positive","sentiment_score":0.5191633018354574,"channel":0,"num_words":24,"start":1475.5751,"end":1483.3551},{"sentences":[{"text":"You're right.","start":1483.385,"end":1483.8,"sentiment":"positive","sentiment_score":0.3949398398399353}],"sentiment":"positive","sentiment_score":0.3949398398399353,"channel":1,"num_words":2,"start":1483.385,"end":1483.8},{"sentences":[{"text":"Like I said, I will still get the team through post out that TPA.","start":1484.63,"end":1488.55,"sentiment":"neutral","sentiment_score":0.2747059815696308},{"text":"So when you see it in the post, it is just so that we can get it in the back end with Mazda.","start":1488.55,"end":1494.25,"sentiment":"neutral","sentiment_score":0.2723604388858961},{"text":"We can't change anything for you, but it allows us to just check every now and then to make sure everything is in order.","start":1494.31,"end":1500.895,"sentiment":"neutral","sentiment_score":0.277292941386501},{"text":"But you've given me everything I need for the resetting right to get it started.","start":1501.595,"end":1505.855,"sentiment":"positive","sentiment_score":0.4791801790396372},{"text":"So that's good.","start":1505.995,"end":1506.895,"sentiment":"positive","sentiment_score":0.5061724682648977}],"sentiment":"neutral","sentiment_score":0.32242309519007234,"channel":0,"num_words":79,"start":1484.63,"end":1506.895},{"sentences":[{"text":"Okay.","start":1506.905,"end":1507.305,"sentiment":"positive","sentiment_score":0.45471107959747314},{"text":"Perfect.","start":1507.305,"end":1507.805,"sentiment":"positive","sentiment_score":0.563501238822937}],"sentiment":"positive","sentiment_score":0.5091061592102051,"channel":1,"num_words":2,"start":1506.905,"end":1507.805},{"sentences":[{"text":"And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your","start":1508.955,"end":1517.3201,"sentiment":"neutral","sentiment_score":0.17087445110082627}],"sentiment":"neutral","sentiment_score":0.17087445110082627,"channel":0,"num_words":25,"start":1508.955,"end":1517.3201},{"sentences":[{"text":"Yes.","start":1517.19,"end":1517.69,"sentiment":"neutral","sentiment_score":0.12213388830423356}],"sentiment":"neutral","sentiment_score":0.12213388830423356,"channel":1,"num_words":1,"start":1517.19,"end":1517.69},{"sentences":[{"text":"current super balance.","start":1517.3201,"end":1518.86,"sentiment":"neutral","sentiment_score":0.1745050996541977},{"text":"The the Mercer information, you can see there at least.","start":1519.9601,"end":1522.6001,"sentiment":"neutral","sentiment_score":0.2073311597108841},{"text":"The summary short stays the same, so that is good.","start":1522.6001,"end":1525.5801,"sentiment":"positive","sentiment_score":0.38740170300006865},{"text":"Obviously, a little bit more in your Mercer 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that?","start":1536.815,"end":1537.955,"sentiment":"neutral","sentiment_score":0.01322854682803154},{"text":"Performance","start":1538.0149,"end":1538.5149,"sentiment":"neutral","sentiment_score":0.024097472429275513}],"sentiment":"neutral","sentiment_score":0.016520474726955097,"channel":0,"num_words":18,"start":1529.5349,"end":1538.5149},{"sentences":[{"text":"Yes.","start":1538.195,"end":1538.4349,"sentiment":"neutral","sentiment_score":0.10528989136219025},{"text":"I 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market.","start":1582.51,"end":1588.325,"sentiment":"neutral","sentiment_score":0.04156326520301047}],"sentiment":"neutral","sentiment_score":0.07557139995525468,"channel":0,"num_words":53,"start":1573.0701,"end":1588.325},{"sentences":[{"text":"Now if you look in the second column to the right, it should say internal rate of return, and it's like a percentage.","start":1588.785,"end":1595.845,"sentiment":"neutral","sentiment_score":0.03241525274579939},{"text":"Can you see that?","start":1596.225,"end":1597.205,"sentiment":"neutral","sentiment_score":0.012941403780132532}],"sentiment":"neutral","sentiment_score":0.02953023808421912,"channel":0,"num_words":27,"start":1588.785,"end":1597.205},{"sentences":[{"text":"Yes.","start":1596.74,"end":1597.22,"sentiment":"neutral","sentiment_score":0.08167250454425812},{"text":"I 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the others, you can see, are positive and doing 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yeah.","start":1624.285,"end":1625.325,"sentiment":"neutral","sentiment_score":0.10364163108170033},{"text":"So this is what I do when I look at changing this one.","start":1625.325,"end":1628.16,"sentiment":"neutral","sentiment_score":0.13647906998029122},{"text":"But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best 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will do all of that as part of the research.","start":1641.865,"end":1644.365,"sentiment":"neutral","sentiment_score":0.1978711269118569},{"text":"Now if you then click next for me, you","start":1644.505,"end":1648.105,"sentiment":"neutral","sentiment_score":0.057820264250040054}],"sentiment":"neutral","sentiment_score":0.13484823871403934,"channel":0,"num_words":20,"start":1641.865,"end":1648.105},{"sentences":[{"text":"Yeah.","start":1647.9401,"end":1648.4401,"sentiment":"neutral","sentiment_score":0.08209492266178131}],"sentiment":"neutral","sentiment_score":0.08209492266178131,"channel":1,"num_words":1,"start":1647.9401,"end":1648.4401},{"sentences":[{"text":"should have the three month version.","start":1648.105,"end":1650.5249,"sentiment":"neutral","sentiment_score":0.09106524164477985}],"sentiment":"neutral","sentiment_score":0.09106524164477985,"channel":0,"num_words":6,"start":1648.105,"end":1650.5249},{"sentences":[{"text":"I do.","start":1651.54,"end":1652.26,"sentiment":"neutral","sentiment_score":0.12076961249113083},{"text":"Yes.","start":1652.26,"end":1652.76,"sentiment":"neutral","sentiment_score":0.10928664356470108}],"sentiment":"neutral","sentiment_score":0.11694195618232091,"channel":1,"num_words":3,"start":1651.54,"end":1652.76},{"sentences":[{"text":"Yes.","start":1652.825,"end":1653.3049,"sentiment":"neutral","sentiment_score":0.12825238704681396},{"text":"Okay.","start":1653.3049,"end":1653.7849,"sentiment":"neutral","sentiment_score":0.218228816986084},{"text":"Perfect.","start":1653.7849,"end":1654.2849,"sentiment":"neutral","sentiment_score":0.1136964112520218},{"text":"So you can see here that it's still down, but it has come back up a bit, which is great.","start":1654.745,"end":1662.1799,"sentiment":"neutral","sentiment_score":0.31110703498125075},{"text":"Because at the same time, we don't wanna sell it at the bottom.","start":1662.1799,"end":1665.7999,"sentiment":"neutral","sentiment_score":-0.0006449451813331006}],"sentiment":"neutral","sentiment_score":0.18538705632090569,"channel":0,"num_words":36,"start":1652.825,"end":1665.7999},{"sentences":[{"text":"But if it's not gonna","start":1665.94,"end":1666.8999,"sentiment":"neutral","sentiment_score":-0.11442921757698059}],"sentiment":"neutral","sentiment_score":-0.11442921757698059,"channel":0,"num_words":5,"start":1665.94,"end":1666.8999},{"sentences":[{"text":"Yep.","start":1666.7051,"end":1667.2051,"sentiment":"neutral","sentiment_score":-0.16274818778038025}],"sentiment":"neutral","sentiment_score":-0.16274818778038025,"channel":1,"num_words":1,"start":1666.7051,"end":1667.2051},{"sentences":[{"text":"do the best for you, we also don't wanna just keep it and and hope for it to come back around if we foresee better options.","start":1666.8999,"end":1674.9008,"sentiment":"neutral","sentiment_score":-0.15933056447941524},{"text":"So even in the last twelve months, it has done a little bit better, which is good.","start":1674.9008,"end":1680.7367,"sentiment":"positive","sentiment_score":0.45722683037028594},{"text":"So like I said, I will go in a bit more in-depth in your investments, do some","start":1680.7367,"end":1685.82,"sentiment":"neutral","sentiment_score":0.2627630566849428}],"sentiment":"neutral","sentiment_score":0.13495389005790154,"channel":0,"num_words":60,"start":1666.8999,"end":1685.82},{"sentences":[{"text":"Mhmm.","start":1685.57,"end":1686.07,"sentiment":"neutral","sentiment_score":0.176542267203331}],"sentiment":"neutral","sentiment_score":0.176542267203331,"channel":1,"num_words":1,"start":1685.57,"end":1686.07},{"sentences":[{"text":"research for that, and and take everything and put together some different strategies.","start":1685.96,"end":1691.1,"sentiment":"neutral","sentiment_score":0.2033693905060108},{"text":"Now if you wanna go to the next document for me, you","start":1691.24,"end":1695.025,"sentiment":"neutral","sentiment_score":0.0674251380066077}],"sentiment":"neutral","sentiment_score":0.13811614930629731,"channel":0,"num_words":25,"start":1685.96,"end":1695.025},{"sentences":[{"text":"Yeah.","start":1694.9451,"end":1695.4451,"sentiment":"neutral","sentiment_score":0.1064508706331253}],"sentiment":"neutral","sentiment_score":0.1064508706331253,"channel":1,"num_words":1,"start":1694.9451,"end":1695.4451},{"sentences":[{"text":"should have a Vanguard index chart, I believe.","start":1695.025,"end":1698.165,"sentiment":"neutral","sentiment_score":0.12115501053631306}],"sentiment":"neutral","sentiment_score":0.12115501053631306,"channel":0,"num_words":8,"start":1695.025,"end":1698.165},{"sentences":[{"text":"It does.","start":1698.465,"end":1699.205,"sentiment":"neutral","sentiment_score":0.12372016161680222}],"sentiment":"neutral","sentiment_score":0.12372016161680222,"channel":1,"num_words":2,"start":1698.465,"end":1699.205},{"sentences":[{"text":"Yes.","start":1699.585,"end":1700.065,"sentiment":"neutral","sentiment_score":0.08016239106655121},{"text":"So this is the one that kind of relates back to those risk profiles we were talking about.","start":1700.065,"end":1703.825,"sentiment":"neutral","sentiment_score":0.04977292608883646},{"text":"So have you seen something like this before?","start":1703.825,"end":1705.925,"sentiment":"neutral","sentiment_score":0.03041331935673952}],"sentiment":"neutral","sentiment_score":0.04516228205627865,"channel":0,"num_words":27,"start":1699.585,"end":1705.925},{"sentences":[{"text":"In previous 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happen.","start":1711.2001,"end":1720.98,"sentiment":"neutral","sentiment_score":0.2112160930710454}],"sentiment":"neutral","sentiment_score":0.20560450505997455,"channel":0,"num_words":35,"start":1709.4401,"end":1720.98},{"sentences":[{"text":"So this one here goes back to 1995 through to 2025.","start":1721.675,"end":1727.295,"sentiment":"neutral","sentiment_score":0.05726455321366137}],"sentiment":"neutral","sentiment_score":0.05726455321366137,"channel":0,"num_words":11,"start":1721.675,"end":1727.295},{"sentences":[{"text":"Okay.","start":1727.645,"end":1728.145,"sentiment":"neutral","sentiment_score":0.027041425928473473}],"sentiment":"neutral","sentiment_score":0.027041425928473473,"channel":1,"num_words":1,"start":1727.645,"end":1728.145},{"sentences":[{"text":"You can obviously see the ups and downs.","start":1727.835,"end":1730.015,"sentiment":"neutral","sentiment_score":-0.01805010298267007},{"text":"The market always goes up in the long term, but, obviously, short term, depending on kind of the events in the world, they're gonna go up a lit up and down a little bit.","start":1730.075,"end":1739.68,"sentiment":"neutral","sentiment_score":-0.0830044164596235},{"text":"Now","start":1739.68,"end":1740.08,"sentiment":"neutral","sentiment_score":-0.03830964118242264}],"sentiment":"neutral","sentiment_score":-0.06988047964351121,"channel":0,"num_words":43,"start":1727.835,"end":1740.08},{"sentences":[{"text":"Mhmm.","start":1739.9501,"end":1740.4501,"sentiment":"neutral","sentiment_score":-0.005249436944723129}],"sentiment":"neutral","sentiment_score":-0.005249436944723129,"channel":1,"num_words":1,"start":1739.9501,"end":1740.4501},{"sentences":[{"text":"the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth.","start":1740.08,"end":1748.08,"sentiment":"neutral","sentiment_score":0.011497560888528824},{"text":"So it's still obviously wanna make sure that your 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it.","start":1754.3251,"end":1759.625,"sentiment":"neutral","sentiment_score":-0.14595693660279116}],"sentiment":"neutral","sentiment_score":-0.14595693660279116,"channel":0,"num_words":18,"start":1754.3251,"end":1759.625},{"sentences":[{"text":"Okay.","start":1759.875,"end":1760.375,"sentiment":"neutral","sentiment_score":0.011522987857460976}],"sentiment":"neutral","sentiment_score":0.011522987857460976,"channel":1,"num_words":1,"start":1759.875,"end":1760.375},{"sentences":[{"text":"But at the same time, I understand if you wanna take a little bit like, a little bit more defensive approach than that high risk, especially with those fluctuations not seeing as big of a dip.","start":1760.005,"end":1772.18,"sentiment":"neutral","sentiment_score":-0.09065189429869254},{"text":"So both growth and high growth are focusing on growing your super.","start":1772.18,"end":1775.9601,"sentiment":"neutral","sentiment_score":0.12908810966958603},{"text":"The difference is the percentage of how 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80%.","start":1833.515,"end":1835.135,"sentiment":"neutral","sentiment_score":0.11455736681818962},{"text":"So 80% will still focus on growing,","start":1835.275,"end":1837.6951,"sentiment":"neutral","sentiment_score":0.1975629755428859}],"sentiment":"neutral","sentiment_score":0.12354013174772263,"channel":0,"num_words":35,"start":1823.29,"end":1837.6951},{"sentences":[{"text":"Yep.","start":1838.115,"end":1838.615,"sentiment":"neutral","sentiment_score":0.18149670958518985}],"sentiment":"neutral","sentiment_score":0.18149670958518985,"channel":1,"num_words":1,"start":1838.115,"end":1838.615},{"sentences":[{"text":"but instead of just having 10 in the bottom three, which is like your defensive investments, which you can see don't grow as much, but a bit more stable.","start":1838.155,"end":1847.79,"sentiment":"neutral","sentiment_score":0.11137031583950438},{"text":"So instead of having just 10%, it's shifting it a little bit and having about 20% in in that 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proposal, and we can go through it together.","start":2343.16,"end":2346.54,"sentiment":"neutral","sentiment_score":0.2939898499420711}],"sentiment":"neutral","sentiment_score":0.2533978292097648,"channel":0,"num_words":60,"start":2329.965,"end":2346.54},{"sentences":[{"text":"And then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do.","start":2346.855,"end":2354.2349,"sentiment":"neutral","sentiment_score":0.18820845945314926}],"sentiment":"neutral","sentiment_score":0.18820845945314926,"channel":0,"num_words":33,"start":2346.855,"end":2354.2349},{"sentences":[{"text":"Yeah.","start":2353.845,"end":2354.0852,"sentiment":"neutral","sentiment_score":0.3088068962097168},{"text":"No.","start":2354.0852,"end":2354.245,"sentiment":"positive","sentiment_score":0.4467511773109436},{"text":"That that sounds 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beautiful.","start":2685.455,"end":2686.335,"sentiment":"positive","sentiment_score":0.7838462889194489},{"text":"Now, Nathan, any other questions for me?","start":2686.335,"end":2688.515,"sentiment":"neutral","sentiment_score":0.2057500034570694}],"sentiment":"neutral","sentiment_score":0.32283367893912573,"channel":0,"num_words":11,"start":2684.575,"end":2688.515},{"sentences":[{"text":"No.","start":2688.405,"end":2688.645,"sentiment":"neutral","sentiment_score":0.06512799113988876},{"text":"You've been a big help.","start":2688.645,"end":2689.605,"sentiment":"positive","sentiment_score":0.5959517240524292}],"sentiment":"positive","sentiment_score":0.5074811019003391,"channel":1,"num_words":6,"start":2688.405,"end":2689.605},{"sentences":[{"text":"No.","start":2689.535,"end":2690.035,"sentiment":"neutral","sentiment_score":0.15306460857391355}],"sentiment":"neutral","sentiment_score":0.15306460857391355,"channel":0,"num_words":1,"start":2689.535,"end":2690.035},{"sentences":[{"text":"Thank you very much.","start":2689.605,"end":2690.585,"sentiment":"positive","sentiment_score":0.6422621011734009}],"sentiment":"positive","sentiment_score":0.6422621011734009,"channel":1,"num_words":4,"start":2689.605,"end":2690.585},{"sentences":[{"text":"No problem.","start":2690.4949,"end":2691.615,"sentiment":"positive","sentiment_score":0.355831578373909},{"text":"If there is anything you need, though, even between now and this July 27, just send me an email or give me a call.","start":2691.615,"end":2698.97,"sentiment":"neutral","sentiment_score":0.11202927104507883},{"text":"Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back.","start":2699.51,"end":2706.969,"sentiment":"positive","sentiment_score":0.5624188472117696}],"sentiment":"positive","sentiment_score":0.3545943219214678,"channel":0,"num_words":54,"start":2690.4949,"end":2706.969},{"sentences":[{"text":"Fantastic.","start":2706.8298,"end":2707.3298,"sentiment":"positive","sentiment_score":0.8201984763145447},{"text":"Thanks for your call.","start":2707.47,"end":2708.19,"sentiment":"positive","sentiment_score":0.8290105909109116},{"text":"Cheers.","start":2708.19,"end":2708.69,"sentiment":"positive","sentiment_score":0.667033851146698}],"sentiment":"positive","sentiment_score":0.8005457818508148,"channel":1,"num_words":6,"start":2706.8298,"end":2708.69},{"sentences":[{"text":"Mhmm.","start":2709.049,"end":2709.129,"sentiment":"neutral","sentiment_score":0.1836869865655899},{"text":"No problem.","start":2709.129,"end":2709.769,"sentiment":"neutral","sentiment_score":0.25826339423656464},{"text":"We'll speak soon.","start":2709.769,"end":2710.669,"sentiment":"neutral","sentiment_score":0.261810302734375}],"sentiment":"neutral","sentiment_score":0.24760744720697403,"channel":0,"num_words":6,"start":2709.049,"end":2710.669},{"sentences":[{"text":"Okay.","start":2710.5898,"end":2710.91,"sentiment":"neutral","sentiment_score":0.14699988067150116},{"text":"Bye.","start":2710.91,"end":2711.41,"sentiment":"neutral","sentiment_score":0.16136489808559418}],"sentiment":"neutral","sentiment_score":0.15418238937854767,"channel":1,"num_words":2,"start":2710.5898,"end":2711.41},{"sentences":[{"text":"Okay.","start":2711.609,"end":2712.009,"sentiment":"neutral","sentiment_score":0.10432443022727966},{"text":"Bye.","start":2712.009,"end":2712.509,"sentiment":"neutral","sentiment_score":-0.11063161492347716}],"sentiment":"neutral","sentiment_score":-0.003153592348098748,"channel":0,"num_words":2,"start":2711.609,"end":2712.509}]},"summary":{"result":"success","short":"The agent discusses the customer's health and lifestyle, estate planning, legal health insurance, and asset management. They offer to send pricing and brochures for future reference and emphasize the importance of setting up the account and ensuring everything is set up correctly. The agent emphasizes the benefits of working part-time and provides information on risk profiles and returns. They also explain the process of updating insurance forms and recommend the customer review and read over documents. The agent provides information on ongoing service agreements and tax phone numbers, and offers assistance with a follow-up call and a proposal. The customer is advised to book an appointment for a follow-up call and receive a proposal."},"intents":{"segments":[{"text":"And any changes to your health in the last twelve months? Any significant health issues or injuries or any changes? No.","start_word":328,"end_word":348,"intents":[{"intent":"Manage health","confidence_score":0.0074857855}]},{"text":"We wanted to do something last year, but, honestly, just with, like, the changes to to work and children and things like that, we just didn't have the upfront cash to Yeah.","start_word":692,"end_word":723,"intents":[{"intent":"Address financial concerns","confidence_score":0.05438329}]},{"text":"For spouses, it's about a thousand dollars plus Okay. GST. Yep. So, obviously, a bit cheaper. So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like.","start_word":1042,"end_word":1086,"intents":[{"intent":"Send brochure to spouses","confidence_score":0.00025384733}]},{"text":"So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like.","start_word":1058,"end_word":1086,"intents":[{"intent":"Share pricing and brochure","confidence_score":0.004260287}]},{"text":"Could do you have to pay for that out of your bank account, or can that be done through Super?","start_word":1133,"end_word":1152,"intents":[{"intent":"Discuss super funding plan and discuss payment plan","confidence_score":0.0000011257189}]},{"text":"So if you do go to another local firm, you at least have a bit of a comparison of pricing Perfect. as well.","start_word":1317,"end_word":1339,"intents":[{"intent":"Discuss pricing comparison with other firms","confidence_score":0.0017086697}]},{"text":"Now when it comes to your hub twenty four, though, so, obviously, your superannuation, I can see here that we do have Jessica nominated at a 100%. So that would mean that, obviously, if something were to happen to you, your hub twenty four super would go directly to her.","start_word":1344,"end_word":1393,"intents":[{"intent":"Discuss hub twenty four superannuation","confidence_score":0.18142128}]},{"text":"their their solicitor or whoever's handling the the the, you know, the will or whatnot said that if it had been made to the estate or something like that, it would have been less taxed.","start_word":1465,"end_word":1499,"intents":[{"intent":"Clarify and clarify tax laws","confidence_score":0.00008382565}]},{"text":"depending on the age of the child, there can be tax consequences. Now that is both if it goes directly to the estate or through super. Okay.","start_word":1779,"end_word":1805,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.068759754},{"intent":"Discuss tax consequences","confidence_score":0.10493086}]},{"text":"The spouse, the way you have it right now, it's the quickest way, and it's completely tax free.","start_word":1968,"end_word":1985,"intents":[{"intent":"Provide tax free quote","confidence_score":0.000013023168}]},{"text":"Now, otherwise, what we typically touch on as well is, like, other goals and stuff that you are working towards or anything else you wanna, like, achieve.","start_word":2029,"end_word":2055,"intents":[{"intent":"Address goals and goals","confidence_score":0.0020617014}]},{"text":"We do pay an extra $20 Yes.","start_word":2139,"end_word":2145,"intents":[{"intent":"Set a lower pay rate","confidence_score":9.953172e-9}]},{"text":"And especially sometimes car loans, the interest can be a little bit higher as well. So it is good that you guys are kind of focusing Yeah.","start_word":2254,"end_word":2280,"intents":[{"intent":"Identify car loan","confidence_score":0.000034167184}]},{"text":"seven, most people, is because that's when age pension, if Okay.","start_word":2421,"end_word":2431,"intents":[{"intent":"Confirm retirement age","confidence_score":0.007979673},{"intent":"Explain retirement age","confidence_score":0.006410508},{"intent":"Inquire about retirement age","confidence_score":0.008702829}]},{"text":"I will put six and that's what most people don't think. So if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60. Okay.","start_word":2453,"end_word":2484,"intents":[{"intent":"Suggest retirement options","confidence_score":0.000011216923}]},{"text":"So if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60. Okay.","start_word":2463,"end_word":2483,"intents":[{"intent":"Discuss retirement benefits","confidence_score":0.03960768}]},{"text":"You can still start drawing an income, but it's only up to 10% of your super balance each year. Yep.","start_word":2500,"end_word":2519,"intents":[{"intent":"Provide income","confidence_score":0.0563619}]},{"text":"I'll just put about 60. And I do have here an ideal income of about $1,000 for yourself. Do you think that would be a good amount to cover bills and expenses? Do you think you'd need to draw a little bit less, I think I bit think more?","start_word":2559,"end_word":2607,"intents":[{"intent":"Express desire for retirement income","confidence_score":0.00027712862}]},{"text":"it as an income stream anyway. We wouldn't take it all out. We draw it as an Yes. income stream. Yep.","start_word":2675,"end_word":2695,"intents":[{"intent":"Inquire about income stream","confidence_score":0.020432085}]},{"text":"Now when it comes to your risk profile, I wanna make sure if we need to make any changes to it. So what I will do is just go through just a bit of a questionnaire with you. It is multiple choice, makes it nice and easy, and there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make Okay.","start_word":2738,"end_word":2806,"intents":[{"intent":"Inquire about potential income changes","confidence_score":0.00006237333}]},{"text":"Now have you ever bought direct shares yourself?","start_word":2815,"end_word":2822,"intents":[{"intent":"Ask about past investments","confidence_score":0.0029608605}]},{"text":"And when it comes to level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?","start_word":2825,"end_word":2864,"intents":[{"intent":"Align risk and adjustment","confidence_score":0.000090397196}]},{"text":"So, Nathan, do you have access to your emails at the moment?","start_word":3024,"end_word":3035,"intents":[{"intent":"Access documents","confidence_score":0.555317},{"intent":"Access documents","confidence_score":0.5699811}]},{"text":"what I can do in the meantime to make this quicker for you is if you have the option of logging in to your account for me and just kind of read out a couple of things so I can update that, that would be great. Perfect.","start_word":3327,"end_word":3373,"intents":[{"intent":"Update tpa information","confidence_score":0.1515293}]},{"text":"What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time, Okay.","start_word":3956,"end_word":3984,"intents":[{"intent":"Reset time frame","confidence_score":0.015654773}]},{"text":"What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time, Okay. Yep.","start_word":3956,"end_word":3985,"intents":[{"intent":"Assist with form submission","confidence_score":0.0011937848}]},{"text":"And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your Yes.","start_word":4171,"end_word":4196,"intents":[{"intent":"Update email","confidence_score":0.009588523}]},{"text":"So this is what I do when I look at changing this one. But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best option. Okay.","start_word":4512,"end_word":4568,"intents":[{"intent":"Discuss investment options","confidence_score":0.011373467}]},{"text":"the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth. So it's still obviously wanna make sure that your super is growing, which is important. We don't wanna be too defensive either. Because if Yep. we're too defensive, then you're not gonna grow as smart, and then those fees might not outperform it.","start_word":4863,"end_word":4931,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.03768451}]},{"text":"The difference is the percentage of how much you have allocated to each option. So Wrong.","start_word":4981,"end_word":4996,"intents":[{"intent":"Analyze asset allocation","confidence_score":0.0021615995}]},{"text":"You're back working or depending on what's going on, you might wanna look at changing it. It's it's something it's not like a set and forget thing. Yes.","start_word":5338,"end_word":5365,"intents":[{"intent":"Consider changes","confidence_score":0.00009697468}]},{"text":"Capital gains tax is not something we day trade, but at the same time, it's not something we just leave forever either. Because Right.","start_word":5379,"end_word":5402,"intents":[{"intent":"Explain tax benefits","confidence_score":0.000044422355}]},{"text":"You mentioned capital gains. How would I pay capital gains, or why would I pay capital gains on it? Yeah.","start_word":5487,"end_word":5506,"intents":[{"intent":"Understand capital gains tax","confidence_score":0.020706523},{"intent":"Discuss capital gains tax","confidence_score":0.116245724},{"intent":"Discuss capital gains tax","confidence_score":0.57676524}]},{"text":"How would I pay capital gains, or why would I pay capital gains on it? Yeah.","start_word":5491,"end_word":5506,"intents":[{"intent":"Determine investment cost","confidence_score":0.000019817273}]},{"text":"It's a great question. So let's say when you sell investments that have gone up, you have to pay capital gains tax. The same as, let's say, you have an investment property and you sell that or any personal investment, Okay.","start_word":5507,"end_word":5547,"intents":[{"intent":"Discuss comparison","confidence_score":0.0004533813}]},{"text":"will be in that research document. So I will do all the math and do all the calculations, and there's a lot of different options to look at. And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information. Okay. Yeah.","start_word":5746,"end_word":5801,"intents":[{"intent":"Assist with research document","confidence_score":0.10773967}]},{"text":"And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information. Okay. Yeah.","start_word":5774,"end_word":5801,"intents":[{"intent":"Present and present tax information","confidence_score":0.03500388}]},{"text":"Now if you do have a bit of a scroll through it, and you're more than welcome to obviously go through this in your own time as as well and have a bit of a read over it.","start_word":5876,"end_word":5913,"intents":[{"intent":"Scroll through documents","confidence_score":0.05404909}]},{"text":"an extension to the team, which is great, and also a bit of an updated marketing.","start_word":5928,"end_word":5943,"intents":[{"intent":"Add extension to team","confidence_score":0.079025544}]},{"text":"Now if you would like to put a face to the voice, because sometimes that's nice when we're talking over the phone so you actually know who you're talking to, if you wanna scroll down to page 10, you should actually see a photo of myself there. Oh, yeah.","start_word":5944,"end_word":5992,"intents":[{"intent":"Add face to voice","confidence_score":0.24752437}]},{"text":"Now the next document, Nathan, should be your ongoing service agreement, I believe. Yes. Yes.","start_word":6028,"end_word":6042,"intents":[{"intent":"Affirm contract agreement","confidence_score":8.829814e-8}]},{"text":"Now this is the one I touched on earlier. So that is your ongoing fee arrangement.","start_word":6043,"end_word":6058,"intents":[{"intent":"Suggest active fee arrangement","confidence_score":0.000018352224}]},{"text":"And then it should say validate, I believe. Yes.","start_word":6352,"end_word":6360,"intents":[{"intent":"Validate consent","confidence_score":0.0037318473}]},{"text":"Now what I wanna do as well while I have you on the phone is booking in a appointment to go through all that research with you. Yeah.","start_word":6454,"end_word":6481,"intents":[{"intent":"Book appointment","confidence_score":0.31220216}]},{"text":"So I will lock that in on Monday, July 27 at 01:30.","start_word":6755,"end_word":6766,"intents":[{"intent":"Lock in","confidence_score":0.09425051}]},{"text":"I will send you the whole proposal, and we can go through it together. And then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do. Yeah.","start_word":6799,"end_word":6846,"intents":[{"intent":"Send proposal","confidence_score":0.8619209},{"intent":"Send documents","confidence_score":0.031180797}]},{"text":"Now if anything does change, if you extend your holiday or, you know, you need to push it back, just even send me a text or email or call the office, and we can always get it rescheduled for you if you need to. Okay.","start_word":6856,"end_word":6900,"intents":[{"intent":"Reschedule","confidence_score":0.5892887}]},{"text":"Otherwise, like I said, the team will post out a TPA for you as well just so we can have it on file with Martha, but you've given me everything I need for this, which is perfect. And I will also get the team to email you that lawyer information just so that you have it handy if you need it. Okay.","start_word":6904,"end_word":6965,"intents":[{"intent":"Send tpa","confidence_score":0.022120679},{"intent":"Provide information","confidence_score":0.00672554}]},{"text":"I when I called the other day, I've been getting text messages and and emails from the hub saying that Mhmm. my cash balance is below the minimum requirements.","start_word":6976,"end_word":7004,"intents":[{"intent":"Check account","confidence_score":0.011496213}]},{"text":"I when I called the other day, I've been getting text messages and and emails from the hub saying that Mhmm. my cash balance is below the minimum requirements. Yes.","start_word":6976,"end_word":7005,"intents":[{"intent":"Confirm cash balance","confidence_score":0.03851623}]},{"text":"And then I got one that says if I don't do something immediately, they're going to draw down some assets to create cash. Do I need to be worried about that? No.","start_word":7006,"end_word":7037,"intents":[{"intent":"Draw assets","confidence_score":0.04125131}]},{"text":"If there is anything you need, though, even between now and this July 27, just send me an email or give me a call. Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back. Fantastic.","start_word":7893,"end_word":7945,"intents":[{"intent":"Declining service","confidence_score":0.000001998396}]}]},"sentiments":{"segments":[{"text":"Hey.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":-0.1200529932975769},{"text":"Sorry about that. It just dropped out.","start_word":1,"end_word":7,"sentiment":"negative","sentiment_score":-0.40192148089408875},{"text":"No. That's okay. I was like, I don't know if it was me or you, but I'm like, I'll call you back. No. I was just talking, and it it just popped out. So Yeah. No. Okay. If it happens again, I'll I'll just call you back. Thank you. Now asset wise, I have here two motor vehicles. One was last died at 37,000 and one was 32. Is Okay. that So still we've the case? now we've got one car now. Unfortunately, we had a a car fire last Mhmm. Oh, in in Easter Saturday, and we lost our one and only vehicle, but insurance thankfully come through. no. Oh, good. Mhmm. So it's a brand new car, and it's was purchased by the insurer at 45,000. 25. And anything owing on it, or did that just pay outright? No. The loans the loan transferred over, so we still have the one loan on it. And it Mhmm. was last had about 36,000 owing on it. 36. Okay. Otherwise, I have home in contents about 70,000. We just increased that to 90,000. Okay. Perfect. And savings about 3,000. Savings at the moment is probably about I'm just thinking 1, Mhmm. $2.03. It's probably 4 and a half at the moment. It's it'll be a little bit more once all the tax comes back. We're gonna put Yep. that into the Okay. account, Perfect. but right now, the bank Otherwise, will one credit be card about as well 4 owing about and 2,000. a half. One credit card owing about 1,500. Perfect. Any other assets that we haven't gone through? Any other changes? No. I've got no more assets, and that's Yep. the only two debts that we have. Yep. Okay.","start_word":8,"end_word":298,"sentiment":"neutral","sentiment_score":-0.04295550286769867},{"text":"Great.","start_word":299,"end_word":299,"sentiment":"positive","sentiment_score":0.3434444069862366},{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case as well? That's correct. Yep.","start_word":300,"end_word":325,"sentiment":"neutral","sentiment_score":0.11963386833667757},{"text":"Perfect.","start_word":326,"end_word":326,"sentiment":"positive","sentiment_score":0.3706357479095459},{"text":"And any changes to your health in the last twelve months? Any significant health issues or injuries or any changes? No. The doctor put me back on cholesterol medication, just a very small dose Mhmm. that started six months ago Yep. after being offered for several years, but it's it it runs in the family on both sides that we have elevated Yeah. cholesterol. So it's just a precautionary thing. Yep. And that's kind of been managed since being on the medication. Like, Oh, the doctor's kind yeah. of Again, happy. there's no Yep. there's no concerns. It's look.","start_word":327,"end_word":425,"sentiment":"neutral","sentiment_score":0.017606960609555244},{"text":"Great.","start_word":426,"end_word":426,"sentiment":"positive","sentiment_score":0.5942667722702026},{"text":"They statistically just look at a number and go, you know what? It's over the national Yep. average. You need to be on this. Yep. But it's it runs in both sides of the family. We've always been high. Yeah. It's hereditary. Yeah. Yeah. No. Perfect. Private health insurance. Do you have that? We have extras only with ambulance cover, but not private health. Okay. And when it comes to estate planning, I have here that you do have a will in the place. Is that correct? No. We would we would get we No? we need to get one drawn up. Look. We we and our about Everyone this all the time. My wife and I don't have any does. will. Yes. We don't have wills. We don't have what's really thrown us recently is we've had two family members that very unexpectedly have had health issues. One one had major brain surgery and and is still alive but hasn't recovered. And that her husband can't do anything because he didn't have guardianship over her to to to do things with her assets. So Yep. Yes. we don't have a will. We don't have guardianship. So it's probably something that we need to look at, and we've got three kids. And if something happens to both Yes. me and my wife, where do the kids go? Like, we've been thinking Yeah. about that. Okay. And and it is very important.","start_word":427,"end_word":667,"sentiment":"neutral","sentiment_score":-0.07164868712425232},{"text":"And, yeah, it's unfortunate, obviously, that that has happened, and I'm very sorry to hear that that's happened to family. No.","start_word":668,"end_word":688,"sentiment":"negative","sentiment_score":-0.5432857871055603},{"text":"That's that's alright. We wanted to do something last year, but, honestly, just with, like, the changes to to work and children and things like that, we just didn't have the upfront cash to Yeah. Yep. to to pay for it. So yeah. Yeah. And when you guys do wanna have a look at it or when you are in a position to do so, obviously, it is very important, like you said, especially for both your assets, but then also that power of attorney so that if something were to happen to you and your wife, you can make those decisions, Yeah. and then also for for the kids. So do you guys have or know of, like, a law firm or anything close to you guys, Oh, look. There's Or a do few you down here in the main street. okay. I haven't inquired. You Mhmm. guys reached out to one of your preferred people Mhmm. last year, but as I said, it was just something Okay. payment wise. Like, we This did cost. inquire with Yeah. one law firm about eighteen months ago, but they wanted 3 and a half grand. And we're like, god, we can't fork out 3 and a half grand at That yeah. the Let me double check here moment. because the That was for two it of us does to get that done. It was just like, guys, we we don't have a lot. We're just a simple family. yeah. Now let me have a look here. So the Yep. the firm that you may have spoken through that we sent through was potentially CGM Lawyers. Now let me just check what the cost is. Okay. So just so you have it, for a basic will, which would probably your be like your it's not like it's, like, super Yep. complex with assets No. It's and not. No. trusts and stuff like that. So like you said, it's kind of like a simple will and a enduring power of attorney. So, obviously, so you can make those decisions Yep. on behalf Yep. of each other. For spouses, it's about a thousand dollars plus Okay. GST. Yep. So, obviously, a bit cheaper. So what I can do for you is I can just send you the pricing and a brochure so you have it in the inbox if you would like. That That would way, be. Yes. Yep. yeah, that way, whenever you guys do wanna have a look at it or you can give them a call and and have a bit of a chat, but Can then at you least you kind of yeah. yeah. Could do you have to pay for that out of your bank account, or can that be done through Super? Or Because it's not regards to Super, you won't be able to have it for Super. So they're quite strict of how you can actually fund things through Super, and it has okay. to kind of be related that way. So it would have to be an out of pocket expense. They might Okay. do a payment plan potentially, but worth having a chat to them and see. We're having a chat. Yeah. We just obviously wanna Yeah. watch that. Is that the only thing? Yeah. Yeah. So I'll just I'll get it to just email that to you. Like I said, completely up to you. You will then at least have it in your inbox as a little reminder to whenever you have a moment, which you probably don't have a lot of with the three kids, that it's there if you do wanna have a have a bit of a chat to them or if there's at least as a pricing guide. So if you do go to another local firm, you at least have a bit of a comparison of pricing Perfect. as well. Yep.","start_word":689,"end_word":1340,"sentiment":"neutral","sentiment_score":0.07322363905677218},{"text":"Perfect. Okay. Perfect.","start_word":1341,"end_word":1343,"sentiment":"positive","sentiment_score":0.505761444568634},{"text":"Now when it comes to your hub twenty four, though, so, obviously, your superannuation, I can see here that we do have Jessica nominated at a 100%. So that would mean that, obviously, if something were to happen to you, your hub twenty four super would go directly to her. Because she's a spouse, it will be tax free as well. So that's all set up anyway.","start_word":1344,"end_word":1410,"sentiment":"neutral","sentiment_score":0.19044168560362573},{"text":"Okay. Perfect.","start_word":1411,"end_word":1412,"sentiment":"positive","sentiment_score":0.55308598279953},{"text":"Yeah. That was something that I wanted to ask because and I'm not sure if this is true or not, Yep. but one of the people that we know whose partners recently passed away, they they had it set up like this, so that it goes to their spouse 100%. But Yep. their their solicitor or whoever's handling the the the, you know, the will or whatnot said that if it had been made to the estate or something like that, it would have been less taxed. I I I was confused when they said that. I'm like, no. No. Mine just goes to my wife. So Yes. It's not because it's a spouse, so the spouse is tax free. So it okay. wouldn't matter if if it goes through the estate. Now, obviously, I'm not a lawyer, so I can't give you legal advice. No. So, That's obviously, right. if you do speak, just to the lawyer. But how we would generally work with superannuation is because it goes to your spouse, it's completely tax free. If it's Okay. usually a quicker process because if you have a correct nomination, which you do at the moment, which means a binding, non lapsing option. So binding means that you have basically the trustee, so your super fund are bound to follow your wishes. So you have a lot more certainty with the type of nomination. Not all super funds allow a binding. So Yep. some other super funds have, like, a nonbinding option, which means basically it's saying, oh, this is what we want to have happen, but it is ultimately up to the trustee to make a decision. Not the way you have. You have the the most certain option. So that would go directly to your spouse if something were to happen. That can be a lot quicker than going through the whole estate process, which can take a lot longer. No. That's fine.","start_word":1413,"end_word":1738,"sentiment":"neutral","sentiment_score":0.030634848400950432},{"text":"Now, I'm completely happy with the way it's it's set up then.","start_word":1739,"end_word":1750,"sentiment":"positive","sentiment_score":0.6255553364753723},{"text":"Yep. yes, now from a tax difference, the the lawyer was somewhat right, but not because of the spouse. So if you have it to a child, Okay. depending on the age of the child, there can be tax consequences. Now that is both if it goes directly to the estate or through super. Okay. So for example, if you have a child that is over 18 now there are different rules if they're studying or there's a disability involved. But if we assume not, if a child is just over 18, they can be taxed up to 302% medical levy surcharge. Okay. No. We True. haven't got to worry about that for the next twelve years. So Yeah. Exactly. Now if the difference let's say, if you have it going through the estate and then from the estate, it is transferred to a child over 18, it would still be taxed for up to 30%, but it would not be the 2% medical levy. So I that can. is potentially what the solicitor told Yeah. Yeah. your your your friends or or family if they had it going through adult children. So from No. That's that fine. point I'm completely of view happy with the yeah.","start_word":1751,"end_word":1957,"sentiment":"neutral","sentiment_score":0.027966955676674843},{"text":"way we've we've got it set up. That's fine.","start_word":1958,"end_word":1966,"sentiment":"positive","sentiment_score":0.34864771366119385},{"text":"Yes. The spouse, the way you have it right now, it's the quickest way, and it's completely tax free. So so, yeah, good question, though, to ask because it can get quite complex, especially with adult children or other interdependency relationships and stuff like that. That's just straightforward No. and Thank tax you free. very much. So so but good question, though. Now, otherwise, what we typically touch on as well is, like, other goals and stuff that you are working towards or anything else you wanna, like, achieve. Obviously, it it seems like right now the main focus is making sure everything for your super is set up correctly, invested the right way, especially when you don't have contributions going in. Aside from that, is there anything you guys are working towards financially or nonfinancially in the next couple of years? Well, the house is blown out, so that won't be happening for a long time, but we we understand that. The next one is to get that car payment gone. We do pay an extra $20 Yes. a week on it already, but Okay. once my wife's still on maternity leave. She's been off since December last week on half pay. So we've Mhmm.","start_word":1967,"end_word":2172,"sentiment":"neutral","sentiment_score":0.06743485227371883},{"text":"been managed to survive on half pay, which is great. But she goes back to full Very pay good.","start_word":2173,"end_word":2191,"sentiment":"positive","sentiment_score":0.3870983123779297},{"text":"this week, and she goes back to work in, I think, six weeks. So once Okay. she's back to work in six weeks' time, we wanna up that $20 to probably 70 if we can find that Mhmm. extra 50 and and get that car loan moving along as quickly as we can just so we can Yes. become debt free. Yes. And especially sometimes car loans, the interest can be a little bit higher as well.","start_word":2192,"end_word":2268,"sentiment":"neutral","sentiment_score":0.18060271441936493},{"text":"So it is good that you guys are kind of focusing Yeah.","start_word":2269,"end_word":2280,"sentiment":"positive","sentiment_score":0.3503802418708801},{"text":"I on think that, it obviously, was at nine through the percent. capacity. So yeah. Yeah. Yeah. That makes makes sense. Okay. Perfect. Now when we are coming and, obviously, talking about your superannuation, so I have here Yep. that, ideally, you would like to retire at 65. Do you think that's still the case, or do you think if you can draw an income from your super at 60, you'd want to do that? Oh, look. If you could draw from 60, that'd be that'd Yeah. be awesome. But Yeah. I think 65 is just what everyone talks about these days, isn't it? As this industry. It it's one of those things. A lot of people go, oh, 67. And I was like, okay. So you wanna work a bit longer? They're like, no. No. No. So 60 Yeah. seven, most people, is because that's when age pension, if Okay. you're eligible, comes in. Oh, look.","start_word":2281,"end_word":2437,"sentiment":"neutral","sentiment_score":0.04603999108076096},{"text":"Sixty sixty would be lovely.","start_word":2438,"end_word":2442,"sentiment":"positive","sentiment_score":0.48690342903137207},{"text":"I feel like I'm retired Yeah. at the moment. I will put six and that's what most people don't think. So if you retire, obviously, not working, you can access your whole superannuation tax free at the age of 60. Okay. Now if you work part time or full time, there are restrictions between 60 and 65. You can still start drawing an income, but it's only up to 10% of your super balance each year. Yep. So you Yep. can still start drawing that up to 10 tax free. But if you're 60 and you're not working, you can take everything tax free or just do it like a regular income stream. Okay. Yep. Sorry. I'll just put about 60. And I do have here an ideal income of about $1,000 for yourself. Do you think that would be a good amount to cover bills and expenses? Do you think you'd need to draw a little bit less, I think I bit think more? 1,000 1,000 a week would probably be alright. Yeah. And that's to be fair what most people say as well. And, obviously, most people's goal is by the time you do retire, not having too much debt or any debt, and then it will just kind of covering living expenses, With expenses. maybe some traveling, Yeah. and stuff like that. Yep. Yep. Okay. And we draw Perfect. it as an income stream anyway. We wouldn't take it all out. We draw it as an Yes. income stream. Yep. Yes. And then that way, obviously, everything is compounding for you and still being invested, which is it's not like it's just sitting in cash and say it will still continue to grow if it's obviously being invested. Yep.","start_word":2443,"end_word":2734,"sentiment":"neutral","sentiment_score":0.11555304467576008},{"text":"Perfect. Okay. Perfect.","start_word":2735,"end_word":2737,"sentiment":"positive","sentiment_score":0.4181433618068695},{"text":"Now when it comes to your risk profile, I wanna make sure if we need to make any changes to it. So what I will do is just go through just a bit of a questionnaire with you.","start_word":2738,"end_word":2775,"sentiment":"neutral","sentiment_score":0.2568351626396179},{"text":"It is multiple choice, makes it nice and easy, and there's no right or wrong answer.","start_word":2776,"end_word":2791,"sentiment":"positive","sentiment_score":0.38410064578056335},{"text":"It's just whatever you feel is the most appropriate for you. Does that make Okay. sense, Nathan? It does.","start_word":2792,"end_word":2810,"sentiment":"neutral","sentiment_score":0.27646589279174805},{"text":"Thank you.","start_word":2811,"end_word":2812,"sentiment":"positive","sentiment_score":0.5224124193191528},{"text":"Yeah. Okay. Now have you ever bought direct shares yourself? No. No. And when it comes to level of risk that you are comfortable with for your superannuation. Now would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Now this is this is as of this moment. Is that Yes. right? Yep. So At the it's moment, it's a it's a bit of a tricky one because, obviously, super is long term. it is And long you term. don't you don't wanna make too many changes too quickly because there's also potentially capital gains tax and stuff like that that we wanna obviously manage for you. But at the Okay. same time, it's something that you can always adjust. So Okay. I think it is it was kind of, in I Yeah. think it was in a higher risk at wasn't it? And I would Yes. probably drop Correct. it back at least one level to to just high. Yep. Okay. And that that makes sense. And that kind of aligns. Alright. So what I might do then, actually, is kind of go through what those changes might look like from an asset allocation point of view. So, Nathan, do you have access to your emails at the moment? Yes. Yep. Yeah. Okay. So what I have done is I have just sent you an email with some documents to kind of give you a bit of an overview of where everything is at Okay. if you could access that for me. Let me just log in. There we go. You just said it's now, have you? Yes. So about Or twenty minutes ago. And oh, yep. Yep. Here it is. Yep. okay.","start_word":2813,"end_word":3109,"sentiment":"neutral","sentiment_score":0.005547509931250529},{"text":"Beautiful.","start_word":3110,"end_word":3110,"sentiment":"positive","sentiment_score":0.4356974959373474},{"text":"Now we have also changed software, so it might look a little bit different to what you have previously have been used to. It's kind of the same concept. So what you do click on the link, Now the link will say sign now, but it will allow you to open up all the documents and view them first Okay. Yep. before it prompts you to sign. So if you can click on that for me. Yep.","start_word":3111,"end_word":3187,"sentiment":"neutral","sentiment_score":0.07958654314279556},{"text":"All Now that's perfect.","start_word":3188,"end_word":3191,"sentiment":"positive","sentiment_score":0.6352476477622986},{"text":"Now can you see the first document where it says summary of superannuation and insurances? done. Yes. Yes. I can. Now with your, I do wanna check. So the TPA we have on file, and that is a third party authority that allows us to do research on your account has expired. They expire every couple of years. So what I have listed here for you is probably not super accurate because it's a little bit outdated. It's from Okay. the 01/16/2025. So in order for me to kind of obviously do all of this research for you, we need another TPA on file. It can take a bit of a process, but it seems like you have access to your account as well, do you, Yes. Like, I did. with Yes. Mercer. So Yes. what I can do in the meantime to make this quicker for you is if you have the option of logging in to your account for me and just kind of read out a couple of things so I can update that, that would be great.","start_word":3192,"end_word":3372,"sentiment":"neutral","sentiment_score":0.06540002673864365},{"text":"Perfect. Yeah.","start_word":3373,"end_word":3374,"sentiment":"positive","sentiment_score":0.4639723300933838},{"text":"I'll do that right now. Because sometimes the TPA I will still because with Mercer, they needed to be wet signed. So I can still get the team through in the back end, post that out to you and and get it sorted, but it will take a little while, obviously. So we'll just do that in the back end. But, yeah, if I can get those now, then at least I can put all of this together for you now so I don't keep you waiting for for because that can No. take sometimes, You're like, you're a month right. or so. So it just makes it quicker. So let me know when you are logged in. Just looking in there, thinking Yep. about it. Oh, hang on. In the wrong section. That's why I didn't do it. That's all good? Sorry. It's just doing the second authentication thing where it wants to send me a thing to my email address. Oh, yeah. No. Here All good. we I make it hard sometimes. It's good go. for security purposes, but I make it tricky Oh, they sometimes, did. especially when you need, like, the authenticator app and everything. Oh, drives me crazy. Enter code. Which is good because, you know, Yes. it it stops people from Correct. The privacy, cybersecurity is a bit stronger, which is which is good. yeah. Yeah. Alright. Here we go. Sorry. Oh, hang on. Okay. Where's the thing with me? Hang on. Yep.","start_word":3375,"end_word":3623,"sentiment":"neutral","sentiment_score":0.025995250325649977},{"text":"Perfect there, guys.","start_word":3624,"end_word":3626,"sentiment":"positive","sentiment_score":0.3853514790534973},{"text":"Okay. Could What you would read you like to out know? yep. So can you read out your current balance as of today? Yep. Cool. It's going down a couple of bucks. 11,845. 45. Perfect. Now can you see what investments you're currently invested in? Does it have, like, an investment name or anything like that? Let's have a quick look. Account summary. Doesn't seem to say anything. Have you changed changed I it? have not changed. Okay. No. It Okay. since ever it was turned over, it's whatever Okay. it went into. Okay. Because I have here that when we did research on it on the 01/16/2025, it was invested in Mercer High Growth at a 100%. So if you That haven't would be the changed same. it No no changes. okay. Okay.","start_word":3627,"end_word":3760,"sentiment":"neutral","sentiment_score":0.042403995990753174},{"text":"Great. Perfect.","start_word":3761,"end_word":3762,"sentiment":"positive","sentiment_score":0.4431102871894837},{"text":"Now if you can go does it have, like, an insurance option? Probably does. Let me have a look here. Insurance. Yep. Yep. Could you read Yep. out to me your life insurance, how much you are covered for? Yep. Death cover is 250,000. Perfect. Does it have the premium there as well, how much Yep. you And pay? and Yep. your premium is $262.03. Two sorry. Sorry. Was that $262.03 Yes. $2.06 2.03. per year. And the total permanent disability? 250,000, Yep. and annual premium is $1.07 7.53. $5.05 3. And that's also per year? Yes. Correct. Yep. Perfect. And no income protection? Just the life and TPD? Yep. None. Okay. Perfect. Now while you're on that page, does it say when the opt in expires or anything? This is a opt I'm in until a certain time frame. just Because some have different time frames, or some, if you've just opted in as long as you have enough funds in there, it's okay. looking everywhere here. Mhmm. I might be in the screen about insurance. No. It doesn't I can't find anything to do with that. Sorry. Okay. No. That's okay. What we can always do as a backup is we can just prepare the forms and just submit a new one anyway just so we reset the time, Okay. Yep. which we can Yep. assist you with. Does it have your beneficiary nomination listed anywhere? Let me have a quick look. Yep. Can't see, but I do recall getting something from them in the mail to say that she was still on it at a at a 100%. Okay. Okay. Yeah. And that Because was that was a few months ago.","start_word":3763,"end_word":4046,"sentiment":"neutral","sentiment_score":0.02011942666706065},{"text":"oh, beautiful.","start_word":4047,"end_word":4048,"sentiment":"positive","sentiment_score":0.4312593340873718},{"text":"Because, yeah, again, what I have here from 2025 is Jessica was nominated. Sorry. Yes.","start_word":4049,"end_word":4063,"sentiment":"neutral","sentiment_score":0.2317467629909515},{"text":"That is that's that's good. Okay. Beautiful. Now that was basically all I needed, so thank you so much for obtaining that for me. You're right.","start_word":4064,"end_word":4089,"sentiment":"positive","sentiment_score":0.4898676872253418},{"text":"Like I said, I will still get the team through post out that TPA. So when you see it in the post, it is just so that we can get it in the back end with Mazda. We can't change anything for you, but it allows us to just check every now and then to make sure everything is in order.","start_word":4090,"end_word":4150,"sentiment":"neutral","sentiment_score":0.2712528109550476},{"text":"But you've given me everything I need for the resetting right to get it started. So that's good. Okay. Perfect.","start_word":4151,"end_word":4170,"sentiment":"positive","sentiment_score":0.48839250206947327},{"text":"And now, Nathan, if you can go back to the email, you will then see your hub twenty four listed there as well with your Yes. current super balance. The the Mercer information, you can see there at least.","start_word":4171,"end_word":4209,"sentiment":"neutral","sentiment_score":0.18115739524364471},{"text":"The summary short stays the same, so that is good.","start_word":4210,"end_word":4219,"sentiment":"positive","sentiment_score":0.39103949069976807},{"text":"Obviously, a little bit more in your Mercer account. Yep. Now next document, does that have a performance report with hub twenty four? Does it say that? Performance Yes. I got with it. I Yes. r r. Yep. Now you should have two. So they're both the same. It is just two different time frame. And that is just to show you as well kind of with the market. But this is like I said, I do wanna do a bit more in-depth with your investment. So when we are looking over the twelve month period first, so the one that you look at at the top is the same from the 07/14/2025 to the 07/13/2026? Yes. Yeah. It does.","start_word":4220,"end_word":4339,"sentiment":"neutral","sentiment_score":0.08709729897479217},{"text":"Perfect.","start_word":4340,"end_word":4340,"sentiment":"positive","sentiment_score":0.5792722702026367},{"text":"So this is the 12 period. Now over the last twelve months, we've kind of already touched on there. There has obviously been some ups and downs in the market fluctuation. Now it also breaks down all your individual investments and how they have performed and what has happened in the market. Now if you look in the second column to the right, it should say internal rate of return, and it's like a percentage. Can you see that? Yes. I can. Yeah. Yes. So the top one here is the one I wanna look at changing for you, which is your Benelung Australian Equi. The reason is that it is underperforming a little bit. Now the last three months, it has come back a little bit, but it's Yeah. still underperforming to what we would like. So you can see that's in bracket, which means over twelve month period, it was down. All the others, you can see, are positive and doing well. Yes. So Yes. this is where yeah. So this is what I do when I look at changing this one. But in order for me to obviously change it, I wanna obviously deep dive a little bit into the investment, alternative options, looking at base performance, and capital gains tax for you to make sure, obviously, we have you in the best option. Okay. So Yeah. Yeah. I will do all of that as part of the research. Now if you then click next for me, you Yeah. should have the three month version. I do. Yes. Yes. Okay.","start_word":4341,"end_word":4603,"sentiment":"neutral","sentiment_score":0.08410214632749557},{"text":"Perfect.","start_word":4604,"end_word":4604,"sentiment":"positive","sentiment_score":0.48273271322250366},{"text":"So you can see here that it's still down, but it has come back up a bit, which is great. Because at the same time, we don't wanna sell it at the bottom. But if it's not gonna Yep. do the best for you, we also don't wanna just keep it and and hope for it to come back around if we foresee better options.","start_word":4605,"end_word":4669,"sentiment":"neutral","sentiment_score":0.015419340692460535},{"text":"So even in the last twelve months, it has done a little bit better, which is good.","start_word":4670,"end_word":4686,"sentiment":"positive","sentiment_score":0.468439519405365},{"text":"So like I said, I will go in a bit more in-depth in your investments, do some Mhmm. research for that, and and take everything and put together some different strategies. Now if you wanna go to the next document for me, you Yeah. should have a Vanguard index chart, I believe. It does. Yes. So this is the one that kind of relates back to those risk profiles we were talking about. So have you seen something like this before? In previous reviews. Yes. Previous? Yeah. Okay.","start_word":4687,"end_word":4774,"sentiment":"neutral","sentiment_score":0.12470845133066176},{"text":"Perfect.","start_word":4775,"end_word":4775,"sentiment":"positive","sentiment_score":0.3626435399055481},{"text":"So it's pretty straightforward in that, like, it just gives us a good overview of the market and kind of the ups and downs and different market fluctuations that can happen. So this one here goes back to 1995 through to 2025. Okay. You can obviously see the ups and downs. The market always goes up in the long term, but, obviously, short term, depending on kind of the events in the world, they're gonna go up a lit up and down a little bit. Now Mhmm. the difference between your high growth and your growth portfolio, if you wanna look at reducing it one step down, both portfolios are focusing on growth. So it's still obviously wanna make sure that your super is growing, which is important. We don't wanna be too defensive either. Because if Yep. we're too defensive, then you're not gonna grow as smart, and then those fees might not outperform it. Okay. But at the same time, I understand if you wanna take a little bit like, a little bit more defensive approach than that high risk, especially with those fluctuations not seeing as big of a dip. So both growth and high growth are focusing on growing your super. The difference is the percentage of how much you have allocated to each option. So Wrong. in a high growth, you can see on the right column, you can see the different kind of asset classes. So when we talk about growth assets, we talk about your top score. So that is your US shares, which is like the light green line, if you can see that. Yes. Yes. Yep. And then you have your dark green line, which is Australian shares. You have international shares, which is yellow, and then property as well, which is, like, the maroon color. So all those Yep. top four, we kind of combine into what we call your growth in investments. Now these are the ones you can see. They grow the most, also fluctuate the most. Okay. So at the moment, you have about 90% invested in these. If we look at moving to a growth, it's about a 10% difference. So it's about 80%. So 80% will still focus on growing, Yep. but instead of just having 10 in the bottom three, which is like your defensive investments, which you can see don't grow as much, but a bit more stable. So instead of having just 10%, it's shifting it a little bit and having about 20% in in that option. I try. That Does makes that make sense. sense? It does. Yeah. Yes.","start_word":4776,"end_word":5213,"sentiment":"neutral","sentiment_score":0.05542284370555232},{"text":"Thank you for explaining a lot that.","start_word":5214,"end_word":5220,"sentiment":"positive","sentiment_score":0.4406766295433045},{"text":"No. That's so good. That's why this one is so good because sometimes it's just easier to look at it that way. So what I can do is if you wanted to kind of look at reducing it one step is part of the research is put together and review different growth options and seeing what is going to be the best for you with your current situation. Yeah. Yeah. Yeah. Definitely. Yeah. And Yeah. I think that's where we need to be at. Yes. Yeah. Okay. And it's always something we can change. So if in, like, a couple of years, like, even if it's, like, two, three years and you go, you know what? You're back working or depending on what's going on, you might wanna look at changing it. It's it's something it's not like a set and forget thing. Yes. We don't wanna day trade your super because, obviously, fees and everything like that. Capital gains tax is not something we day trade, but at the same time, it's not something we just leave forever either. Because Right. your life Okay. situation changed, market changed. But then, also, the older you get and the closer you do get to retirement, you do wanna potentially look at decreasing that risk. So, gradually, what we see, the closer and closer you get, you then kind of step down. The next will be, like, your balance growth and then balance, then you get, like, more defensive because you have less time for those fluctuations. Gotcha. Gotcha. Can Yeah. I ask Yeah. a quick question? Yeah. You mentioned capital gains. How would I pay capital gains, or why would I pay capital gains on it? Yeah. It's a great question. So let's say when you sell investments that have gone up, you have to pay capital gains tax. The same as, let's say, you have an investment property and you sell that or any personal investment, Okay. you have to pay capital gains tax on the earning. The same goes for superannuation. Alright. Difference Okay. is yeah. So the difference is it's paid within the super environment. So it's not something that you pay for yourself. It's not something you would have to declare in your tax return or pay for yourself, but it is deducted within the super environment. So that is something that I would factor into the research because I also wanna minimize that for you. Right. So if there was, like, a a a large capital gains tax, then it might be best to stay in where it is. Is that what you're saying? Correct. Potentially, Yep. if that is a good investment, if if that's one that's gone off a lot, then Yep. we wanna potentially potentially keep it, but maybe just reduce how much we have in it if it's, like, a a more of your high risk one. So Okay. that will be kind Yep. of part part of it is making sure we minimize the capital gains as much as possible, but at the same time, swapping out any investments that's necessary. All Okay.","start_word":5221,"end_word":5742,"sentiment":"neutral","sentiment_score":0.08036823182498815},{"text":"of that Perfect.","start_word":5743,"end_word":5745,"sentiment":"positive","sentiment_score":0.35754770040512085},{"text":"will be in that research document. So I will do all the math and do all the calculations, and there's a lot of different options to look at. And then I will present it for you, and that tells you the estimated capital gains tax and everything so that you have all the information. Okay. Yeah. So it it gets a bit technical, but that's also what we are here to assist with. Yep. Does that make sense, Nathan?","start_word":5746,"end_word":5824,"sentiment":"neutral","sentiment_score":0.1812089830636978},{"text":"Perfect. It does. Thank you.","start_word":5825,"end_word":5829,"sentiment":"positive","sentiment_score":0.5292980670928955},{"text":"Yep. Yep.","start_word":5830,"end_word":5831,"sentiment":"neutral","sentiment_score":0.187886044383049},{"text":"Perfect.","start_word":5832,"end_word":5832,"sentiment":"positive","sentiment_score":0.35338670015335083},{"text":"Now the next document should be a Oakview services guide. Yep. Yep. Perfect. Again, you probably have seen this before. It is one of those kind of compliance documents that give you all the important information in regards to us here at Oakview. Now if you do have a bit of a scroll through it, and you're more than welcome to obviously go through this in your own time as as well and have a bit of a read over it. None of the important information has changed. But we've had a bit of Okay. an extension to the team, which is great, and also a bit of an updated marketing. Now if you would like to put a face to the voice, because sometimes that's nice when we're talking over the phone so you actually know who you're talking to, if you wanna scroll down to page 10, you should actually see a photo of myself there. Oh, yeah. Perfect. Yeah. And sometimes it is nice to be like, you know, it is someone here on the other side as well and actually knowing who you are talking to. Talking to. Exactly. Yeah.","start_word":5833,"end_word":6026,"sentiment":"neutral","sentiment_score":0.17872363328933716},{"text":"Perfect.","start_word":6027,"end_word":6027,"sentiment":"positive","sentiment_score":0.34446796774864197},{"text":"Now the next document, Nathan, should be your ongoing service agreement, I believe. Yes. Yes. Now this is the one I touched on earlier. So that is your ongoing fee arrangement. Now like I said to you, it is not changing the fee structure. It stays exactly the same at 1.65. The biggest thing, it is not a lock in contract. So Okay. if at Yep. any That's point it. in time you decide, no. Even, let's say, we do the research and you go, yeah. Of course. Let's give it a go. Like I said, even if it's a week after that, if it's a month or six months, whatever it might be, if you feel it's not the right option for you, you can cancel it whenever you want to. It's not like a yearly amount deducted and you're locked in for twelve months. It is not like that. Okay. There's no Okay. exit Perfect. fees or anything like that. Yeah. But, basically, by obviously signing it, it means that we can keep managing your investments and do the research and everything for you in the meantime. No.","start_word":6028,"end_word":6217,"sentiment":"neutral","sentiment_score":0.04875992889467039},{"text":"That's terrific. I'm I'm quite happy with that. Yeah. Okay. Great. Perfect.","start_word":6218,"end_word":6229,"sentiment":"positive","sentiment_score":0.5790252685546875},{"text":"Now the next document so, yeah, if you're happy to do so, it will ask you to add a little signature at the bottom there, Yep. and it would automatically add the date, I believe, as well. It does. Yeah. Yep. Now there is one more it will ask you to sign next, which should be your t p let me see. Your tax phone number opt in for? Yes. Yes. Sorry. This is just a compliance form to say that we are keeping your tax phone number secure and safe on file. Okay. And it will also ask if you're happy to do so, just put a little signature and a date box there as Yep. well.","start_word":6230,"end_word":6347,"sentiment":"neutral","sentiment_score":0.12909528613090515},{"text":"Perfect.","start_word":6348,"end_word":6348,"sentiment":"positive","sentiment_score":0.47579556703567505},{"text":"That's Yep. done. And then it should say validate, I believe. Yes. Yes. When you press validate, it will then automatically send it back to me. I can get all of that processed, but you can also go back. You can download all the documents if you wanted to, or you can ever just go back into the email whenever you want to if you do wanna have a read through any of the documents again as well. Yeah.","start_word":6349,"end_word":6427,"sentiment":"neutral","sentiment_score":0.15360336760176888},{"text":"No. That that's fantastic. It Yep.","start_word":6428,"end_word":6433,"sentiment":"positive","sentiment_score":0.5056694746017456},{"text":"says it's done now. Okay.","start_word":6434,"end_word":6438,"sentiment":"neutral","sentiment_score":0.2936558723449707},{"text":"Perfect. Yep. I can see that has come through on my end, which is fantastic.","start_word":6439,"end_word":6453,"sentiment":"positive","sentiment_score":0.6047529578208923},{"text":"Now what I wanna do as well while I have you on the phone is booking in a appointment to go through all that research with you. Yeah. So it will take about a week for me to put it all together. That's fine. So Yep. do you have any availability sometimes mid to end next week? Let me just bring up my calendar. Where are we? Yep. So next week, we are away for the full week. We Okay. go on on a little holiday down to Canberra with the kids, possibly to see some Lovely. snow. Like, it's worst snow season on record. Hopefully, you get a good one, though. We'll see what happens. So we Yeah. are back on Monday, the twenty seventh. So anytime from there, if that's alright. Yeah. So I can either do Monday the twenty seventh in the afternoon, or if you do wanna get settled, we can do the Tuesday the twenty eighth. Twenty seventh is fine if you wanna 20 lock that in. seventh? Yeah. Yeah. If Okay. that's enough Let time me for you. yeah. No. That should be plenty. Now let me see. I could do 03:00. Would that work? 03:00. It's just school pickup time at three. That's the only thing. When will you act Or I could do when do you normally have to do pickup? No. I I normally leave home about 02:30, and I'm back home by about quarter past three, 03:30. Okay. I can do 01:00 otherwise. So before kind of school Yeah. rush, so That that that the probably kids are be not home, yeah. and Yeah. you have to do that. Okay. 1PM Perfect. would be good. Okay. So I will sorry. 01:30. Would that be One okay? 01:30 fine. Yeah. Yeah. Okay. So I will lock that in on Monday, July 27 at 01:30. Now if you do wanna have if you can have access to your emails at the time, it will be good because there is a bit to kind of usually go through. I will send you the whole proposal, and we can go through it together. And then you have time afterwards to, obviously, have a read through it, ask any questions, and we can kind of take everything from there and see what you would like to do. Yeah.","start_word":6454,"end_word":6846,"sentiment":"neutral","sentiment_score":0.07226820005715348},{"text":"No. That that sounds fantastic. I think. Yep. Perfect.","start_word":6847,"end_word":6855,"sentiment":"positive","sentiment_score":0.5973115563392639},{"text":"Now if anything does change, if you extend your holiday or, you know, you need to push it back, just even send me a text or email or call the office, and we can always get it rescheduled for you if you need to. Okay.","start_word":6856,"end_word":6900,"sentiment":"neutral","sentiment_score":0.2496422380208969},{"text":"Perfect.","start_word":6901,"end_word":6901,"sentiment":"positive","sentiment_score":0.3683859705924988},{"text":"Yeah.","start_word":6902,"end_word":6902,"sentiment":"neutral","sentiment_score":0.3164360225200653},{"text":"Perfect. Otherwise, like I said, the team will post out a TPA for you as well just so we can have it on file with Martha, but you've given me everything I need for this, which is perfect.","start_word":6903,"end_word":6940,"sentiment":"positive","sentiment_score":0.4417591989040375},{"text":"And I will also get the team to email you that lawyer information just so that you have it handy if you need it. Okay.","start_word":6941,"end_word":6965,"sentiment":"neutral","sentiment_score":0.270978182554245},{"text":"Fantastic.","start_word":6966,"end_word":6966,"sentiment":"positive","sentiment_score":0.3763461112976074},{"text":"I have one Yeah. question before you go. Yes. I when I called the other day, I've been getting text messages and and emails from the hub saying that Mhmm. my cash balance is below the minimum requirements. Yes. And then I got one that says if I don't do something immediately, they're going to draw down some assets to create cash. Do I need to be worried about that? No. It's something they automatically they always send in, and that is just to make sure there's, like, enough money in there for for fees and stuff like that. Okay. It all happens in the back end automatically and also something the investment team keep an eye on, but it's all kind of a setting in the back end through to making sure. So you don't have to worry about it. Sometimes it can be annoying if they send you a couple because it might sound like you need to do something. Yeah. I'm like, what's doing? You're like, oh, what is happening? No. You don't have to. It's something that you just automatically send out when when because, obviously, with this market fluctuations, the value of investments go up and down. Yep. So it just kind of automatically rebalances out. Yeah. Not something you have to worry about.","start_word":6967,"end_word":7185,"sentiment":"neutral","sentiment_score":0.03402325264327058},{"text":"Okay. Perfect. Yeah. Perfect.","start_word":7186,"end_word":7189,"sentiment":"positive","sentiment_score":0.5632975101470947},{"text":"Now, Nathan, do you have any other questions for me at this point before I let you go otherwise? I've got one more quick one. Sorry to keep you waiting. You Yeah. probably got another appointment. That's With that family tax benefit that we're gonna put into okay. the account and we're not looking at touching at this stage, if I was to, say, before June 30 next year, probably around June 30, make a voluntary super, Mhmm. Contribution? what do you call it, contribution Yes. of maybe a Yes. couple of thousand dollars. Is is Yep. is that any benefit to me Yes in terms and of, no. like okay.","start_word":7190,"end_word":7300,"sentiment":"neutral","sentiment_score":0.014485754072666168},{"text":"Yes. Because it boosts your superannuation. Yep. So it means you have money going into superannuation, which is fantastic and over see compound.","start_word":7301,"end_word":7323,"sentiment":"positive","sentiment_score":0.6676054000854492},{"text":"Okay. The reason why most people do it is aside from the super benefit is so that you can claim a notice of intent. So that Okay. maybe was something your accountant touched on, which is why you can claim the tax back. You have the biggest benefit by doing that if you're in a high income earner. So the Okay. higher income you're on, the more of the tax saving you will get back.","start_word":7324,"end_word":7398,"sentiment":"neutral","sentiment_score":0.1414840817451477},{"text":"If you don't earn an income and it's not money you've actually paid tax on, the tax benefit might not be the best option.","start_word":7399,"end_word":7422,"sentiment":"negative","sentiment_score":-0.3738064765930176},{"text":"Yeah. There's In no saying tax that on it. So there's no tax obligation exactly. on it. Yeah. Yeah. Okay. In saying that, though, there are a lot of other different strategies to look at in this situation. So even if it gets closer to, I would say, absolute latest, maybe first week of June, just to Yeah. give it enough time, Yeah. that there are a lot of different strategies to look at instead. So if you are on a low income earner or, like, they're not earning an income, the Yeah. government has a different scheme, which can be worth me considering for you at the time, which is called a government co contribution. Basically, what that is is if you put a little bit of money into superannuation, it is a voluntary contribution, but it's not something you claim tax on. The government, to help assist you because you'll be considered a low income earner, Yep. will put a little bit more money in. So, often, I it's like if you put in a can. thousand dollars, they Yes. match and put 500 in. So I from can. a overall benefit, that usually gives you a lot more because it's obviously a lot more like, it's 50<unk> to the dollar versus the tax saving, which, in your case, if you're if you don't earn an income, Yeah. wouldn't be. Exactly. So there's Yeah. a lot No. of That's different alright. way to consider. But, also, what we could look at is, especially if your wife is on a higher income, there are different strategies where she can make spousal contributions on your behalf into Okay. your super to get a bit of tax saving. She could potentially make voluntary contributions or salary sacrifice into her super. We can then shift some into yours. So it's kind of like there's a lot of different things you can do if one person is a high income earner and one a low income earner Yeah.","start_word":7423,"end_word":7758,"sentiment":"neutral","sentiment_score":0.05812556158343796},{"text":"to benefit both of you. So, like, there's a lot of really good things we can do, so it's good that you guys are are thinking about it. And definitely something that we can we can even have chat to both of you closer to the end of the next financial year or just yourself if she doesn't wanna be involved.","start_word":7759,"end_word":7819,"sentiment":"positive","sentiment_score":0.5329893231391907},{"text":"So, yeah, there's there's a lot of different things. No. That's alright. We'll just we'll just tuck the money away for the moment, and then, yeah, we'll we'll wait for your report. Reassess. We'll go through that, and then we'll work out sort Yeah. of where we sit, I think. Yeah.","start_word":7820,"end_word":7869,"sentiment":"neutral","sentiment_score":0.026458125840872527},{"text":"Okay. Sounds beautiful.","start_word":7870,"end_word":7872,"sentiment":"positive","sentiment_score":0.6226212382316589},{"text":"Now, Nathan, any other questions for me? No.","start_word":7873,"end_word":7880,"sentiment":"neutral","sentiment_score":0.20055347681045532},{"text":"You've been a big help.","start_word":7881,"end_word":7885,"sentiment":"positive","sentiment_score":0.5716496706008911},{"text":"No.","start_word":7886,"end_word":7886,"sentiment":"neutral","sentiment_score":0.15306460857391355},{"text":"Thank you very much. No problem.","start_word":7887,"end_word":7892,"sentiment":"positive","sentiment_score":0.5294605493545532},{"text":"If there is anything you need, though, even between now and this July 27, just send me an email or give me a call.","start_word":7893,"end_word":7916,"sentiment":"neutral","sentiment_score":0.11232689768075944},{"text":"Otherwise, I hope you guys have a lovely little trip to Canberra and that you do get some snow, and I will speak to you when you're back. Fantastic. Thanks for your call. Cheers.","start_word":7917,"end_word":7950,"sentiment":"positive","sentiment_score":0.594789981842041},{"text":"Mhmm. No problem. We'll speak soon. Okay. Bye. Okay. Bye.","start_word":7951,"end_word":7960,"sentiment":"neutral","sentiment_score":0.1932577043771744}],"average":{"sentiment":"neutral","sentiment_score":0.08427960923730486}}}}