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Well, I'm just gonna have to do the process again just because it's a new call and just let you know that our calls are recorded quality and coaching purposes. Is that okay? Lovely. Thank you. And, Sharon, just your full name, date of birth, and address, please. No. You're right. Beautiful. Thanks so much for that, Sharon. So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there. It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit. If you don't have access to it, I can talk through it, and you can review them after the call. That's completely fine. Yeah. Of course, it is. Of course, it is. But what I will start by doing, if it's okay with you, I'm just gonna run through a little bit of I know we went through some of the updated some of the information last week when we spoke, but I'm gonna go through in a little bit more detail if that's okay with you. Okay. Sharon, what's your preferred salutation? Is it missus, miss, or miss? Miss yep. Beautiful. And do your middle name, I know you said that before. Can you spell that for me, please? L e a, n n, e e n. Beautiful. And just confirming your marital status, are you we've got it noted here that you're single. Is that still the case? Yep. And your email address is Sharon_r1@Hotmail.com? Yep. Beautiful. And we updated your address to Unit 2207 last week, so that's fantastic. Your dependents, do you have two daughters? Is that right? Oh, a son and a daughter. Sorry. My apologies. Son and daughter. And we've got your next of kin as your daughter, Caitlin. Is that correct? Caitlin Baker. Beautiful. Congratulations. When did that happen? April. Oh, that's not too long ago. That's lovely. And just confirming her phone number ends in 409. Beautiful. Now moving on to you more personally, I know that you've just had ankle surgery, but I just need to get some details on your usual occupation because I don't have anything listed here. What is yeah. I'm just gonna double check with you. What is your usual occupation? Administration. Beautiful. And do you I have here employer name as Royal Business Brisbane. Is that correct? Yep. The yes. I know. Sorry. That's obviously yeah. Women's hospital. Oh, beautiful. Okay. And do you remember when you started there or roughly what year? Oh, wow. You got a great memory. And your employment status, full time, part time, casual? Full time. And your average hours worked per week? Forty. Beautiful. Thanks for that, Sharon. Now we had your income previously listed as 90,000 on when you're not on work cover. Is that correct, or would that need to be updated? Yeah. Okay. Okay. Alright. And I know that you were going to get a pay slip that would hopefully show your work cover income. Did that occur? I know that you thought that you from our last converse from our conversation last week that you're expecting to receive a payslip that kinda gave you an indication of what your work cover income may be. Did you receive that? Okay. Yeah. Yeah. Okay. So would that be 85% of the 85,000? Yeah. No. That's okay. We can if I mean, we can touch base on that later if if we need to. Yep. Okay. Yeah. And you're not sure when you'll get back yet, are you? Because your appointment's on Thursday. Okay. Alright. Well, hopefully, it's not too too long. That's not ideal. What would be your expenditure per week? Also at night, if that's how you many yep. Yeah. So Yep. Alright. So we're gonna be looking at a bit of a bit of a deficit while you're on work cover. Yeah. That payslip they sent you, was that for a full fortnight of work cover or, like, a pro pro rata period? Yeah. Okay. Okay. And of at the moment, while you're on work cover, you won't be able to do any any savings that you were possibly doing. Yeah. Yeah. Yeah. No. Of course. Alright. Okay. I'm just gonna make a couple little notes on that for me to refer back to. And your employer, are they paying the normal legislative super guarantee amount? I no? Okay. Do you get a little bit more? No. Sorry. For your super, just normally with your your normal employment. So, again, moving away from work cover, do you usually the 12%? And I know Yeah. Yeah. Do a little bit of. Yeah. Well, you can is that amount still 160 per fortnight? Do you think you'll continue that while on work cover? Yeah. Yeah. Okay. Okay. I'm just gonna make note of that longer. Yep. Yep. Yeah. Okay. Alright. Well, we'll keep we'll keep updated on that, and I might touch base with you early next week to see how you went with the doctor. Or even on Friday, I'll just touch in and see how you went, and we can have a look at things from there. We have your assets as your Mazda CX three. Is that still current? And we've got that valued at about 43,000. And I yep. And the it's under a novated lease. Is that still correct? With the pay the debt being 16,200? The debt noted as 16,200, is that reduced at all? Yes. Yes. Yes. Yep. Okay. I might send an email for that just to get that information post our meeting, if that's okay. Alright. Beautiful. I also have a personal loan here of consolidated debt for 18,000. Is that still current? Still 18? Twelve. Beautiful. And we had an asset here of coin spot. Is that still current? Oh, no. That's okay. My apologies. Coin spot? Does that sound accurate? Yep. Okay. That's no worries at all. 200 when we last okay. Beautiful. Do you have any other assets that you have or debts? No. Okay. And have you ever been declared bankrupt? Sorry that I have to ask that question. Yeah. Okay. And that's all been cleared? Okay. Beautiful. Alright. And are you a smoker? Nope. Do you take any medication regularly? No. Do you have private health insurance? Yeah. Who's that with? Rupert. Lovely. And for significant health injury health issues or injuries, I've just put your ankle surgery here. Is there anything else that you can think of? No. No worries at all. And I note that the last time we spoke that you didn't have a will or power of attorney in place. Is has that changed at all? No? Okay. Alright. Okay. With your approach to risk, so your investment risk, we currently have you as a growth investor. So that that means typically that you'd be exposed to allocation of roughly 80% of your funds to growth assets being shares, both international and Australian, property, and then 20% to defensive type assets being cash, term deposits, fixed interest. I've looked at both your hub 24 and your q super and your your asset allocation sitting just above the 80% mark for a growth asset with q super being a 2% ours being about 84%. So we can look at rebalancing that back down. But before we did, I just wanted to make sure run through our risk profile questionnaire with you just to make sure that you're comfortable with that, a growth risk profile. So just the questions are is, what is the most aggressive investment you have ever made? Direct shares, managed funds, an investment property, your own home, or a high interest bank account? Yeah. So in your super fund at the moment, you've got managed funds. So that would be probably appropriate. Would you agree that that's the most aggressive that you've made? Yeah. Sorry. Some of these questions are a little difficult at times. That's okay. I wanted to check with you because this will help me answer my question. The next question, your intended retirement age, is that still 65? Okay. So 60 if we if we look at 65 even, that's about nine years away at the present moment. So one of the questions is once our investments have been placed, how long would it be before you would need to access them? If your intended retirement was 65, we would say that's twenty seven and nine years. Do you think that's correct? Yes. Beautiful. Another question. This one's more about your feelings. No wrong or right answer. How would you feel if within a six month period your portfolio decreased by 20% just due to the general trends in the financial market? So you would have seen your portfolio fluctuate over the years that you've had it. Option and stop avoid future losses? What option and stop avoid future losses? What do you think your reaction would be? Yeah. Previously, you answered hold and wait. So are you comfortable to keep that there? Yeah. Okay. And being a growth investor, the return for a growth investor is typically between the seven to 9% return per annum. Would you is that what you would expect? Or would you? Yeah. No. That's okay. Okay. Well, last last time, you had between four to 6%. Is that what you would continue to expect? Okay. That's fine, Sharon. Thank you. Yeah. Yeah. Yeah. No. Of course, I can probably ask these questions in a different way as we work through the review if you like. Does that sound okay? Yeah. No worries. And then I just wanna pivot back quickly to your goals and objectives just to check what they were last time and make sure that we're they're still appropriate or they might have changed. So with your superannuation, your previous goal was to consolidate and manage your super more effectively. Is that still applicable? Yeah. I know from our conversation last week, you also wanted to look at there was some concern you had with the q super not being rolled over and there was a larger balance. So I do have that to discuss with you and the returns as comparable as best as I can. But would one of them be to get the would your goal also post this review be to ensure that the 10,000 remains in q super and we get the funds rolled over to your funds? Mhmm. Yep. Yep. Alright. Let's I've got that definite I've got all those figures there definitely to go over with you. So because I do remember from our chat last week that that was something that we definitely needed to talk about. So I'll pivot to that in a moment. I'll just finish off the goals. Another one was that you would want to purchase your own your own home and get out of the rental market. Is that still something that no. Okay. And when at retirement at the age of 65, you had mentioned that you'd need about a thousand dollars per week in income. Would that be appropriate, or would it be more? Yeah. Do you have any idea? Yes. Yep. Yep. Yeah. No. No. Oh, okay. Do you know outside of rent what your other expenses are? So it and that's after all your the if you were debt free. Okay. Alright. Beautiful. Okay. Much do you have in your Afterpay debt wise? Oh, beautiful. Yep. Nice. That's fine. That's fine. That's fine. Did you want to look at a plan to pay off the debts that you do have quicker, or or are you happy to manage that yourself? Yes. Yep. Yeah. Yep. That's okay. So maybe we could look at a when you're back at work, potentially, we could look at a a cash flow analysis and help you see if we can help you achieve that goal of being completely debt free by retirement. And it doesn't it doesn't when we say, you know, accelerate your repayment of debt, it doesn't have to be, like, over a two year period. For example, the the personal loan could have a five year term remaining on it, and we might be able to bring that down to three years if we increase it slightly. So we can have a look at those things, but we'll wait till you're in a position to actually do that and you're off work cover and you've caught up a little bit before we do that. Yeah. Okay. And that's next September. Beautiful. Balloon payment? Yep. Okay. Well, we could maybe what we could maybe do is look at that then in September next year and see what we can what plan we can come up with to help you achieve that. Yep. Yep. Yep. Okay. Alright. Beautiful. So what I'm gonna do is just put a a goal here that maybe next September, we so next review, we talk about the cash flow and see if we can help you get that debt paid down a little quicker. But there's no significant need right now given your current situation with your health and no no clear path as to when you're gonna be able to return to work yet. Okay. So what I'll do now is I'll just pivot over to the documents, which you'll be able to review post our phone call. As I mentioned, it will come from OdooSign, and there are a few documents within this. It will ask you to sign when you're ready, but it won't won't let you sign until you've reviewed all the documents. So one of the first ones within there is just a summary of your insurances and superannuation. We've got a hub 24 at about 104,000, and we have q super at about 86,000. With within q super, you have your life insurance at 57,600 and your TPD at the same amount and an income protection policy of $6,373 with a ninety day wait and a two year benefit period. Yeah? What what did you try to change it to? Okay. To check. Yeah. Yep. That would increase your premium, but we can help you have a look into that if you like and do some research as to why. Okay. I will just make a note of that. Okay. So what I'm going to do sorry? Oh, you're absolutely fine. You're absolutely fine. Okay. So one of the other documents within the review pack as well is the performance of hub twenty four. There's two in there, the twelve month and six month period. The twelve month period is from yesterday through to twelve months ago, and the annualized return was 4.5. Yes. So lower than your two super, definitely. And the the main reason being is we've had a fund in there called the Benelon concentrated Australian equities fund. That fund has been reviewed by our investment committee. And it's not that the Australian share market has performed badly. It's more the approach that the investment manager has taken. So rather than being invested in, say, the bank the the bank stock, for example, which have performed quite well, their their investment philosophy is is that they chase under undervalued companies that they feel have untapped growth. So their philosophy hasn't really hit the mark in the last twelve plus months. So our investment committee has said that we want to look at alternatives for that when we speak with our clients. So that's the first thing I wanted to tap into is that if you're comfortable for me to look at alternatives for the Bennelong Fund. Beautiful. And then looking at the rest of your policy your your policy your portfolio. Sorry. You have a number of ETFs. So you've got some exposure to the cyber AI type security. Has performed very well in the last twelve months. Again, that's a bit of a niche market, but also a very popular one at the moment, I'm sure you can imagine. It's we would expect a little bit more volatility with that type of investment given its niche in nature. Good a good a great diversification across the international shares being Europe, Asia, US, and we've also got some fixed interest assets. So what in in saying that, I'd probably like to have a look at your portfolio in full and make sure that it is, as I mentioned, it is a little bit hit top heavy on the growth assets, which we would maybe look to rebalance and bring back down to the 80% mark. But, as long as you're happy for me to do that, I can go and investigate that further. Fantastic. And then the next document in there is the six months return. So we've included that with hub twenty four to just give you further information. So at the moment, at the six month mark, the portfolio is tracking at 3.46%. So it's coming back on track, but that's just as an information piece for you. Now when we looked at the q super, the statement you sent through to me, thank you for doing that, I noted that you're in the lifetime focus one. So what I did is I went and conducted some research and looked at the return for the 2526. So that because they only update it in financial years. That was the most recent one. So in this scenario, comparing QSuper to hub is difficult because they're not like for like, apples for apples. So I've done the best I can. So the return for q super in the lifetime focus one was 7.89% for the 2526 financial year. And what I did with the hub '24, I went and generated a report for that same exact financial year being 2526 so I could compare as close as possible. The q for one, the only note is that they that's including fees except for the administration fees that are charged. So there is a little bit of fee to be duck deducted from the 7.89%, but not a lot. The hub '24 return for the same year was 7.67 percent. So it was and that that that's post fee or net of fees, I should say. So there is a little bit of a difference. It's very marginal, but I think that's the impact. Well, I know that that's the impact of the Benelon concentrated in Australian equities fund. So what part of my plan would be to look at reviewing that and finding a potentially alternative better option as long as it suited your goals and objectives. So they're tracking very, very close to each other. And if we took those fees away from QSuper, I think that would change it, reduce it a little bit more, and that'd be a little bit more aligned. But, yes, I can I did go and do that, and I just guess from that, do you have any questions? No? No. That's okay. I'm I'm glad I could provide you with some peace of mind. So I would my action items would be to go and conduct some research and make sure that we review your portfolio. The next document in there is a Vanguard chart. Now I note you said visually. You like to see things visually. This is a great chart to look at investments wise. So it brings it down into different assets. You've got your estranged shares, international shares, property, bonds, cash. And what it is is it tracks over from 1995 through to 2025. The new one hasn't been released just yet. And it will show you how the different market all the different sectors, sorry, react. So along the top, you'll note that there's some significant events. For example, COVID is in there. So if you look at the COVID year, you'll see how the different markets reacted. And that there is always this volatility of the ups and downs within the market. That's something that we can't avoid. We just need to make sure that your portfolio is constructed in a manner that you are comfortable with it and that you have the time frame to withstand that volatility. So that's a really good document for you to have a look at, especially given you wanted to look at something visual. And if you have any questions after that, please just shoot me an email, give me a call, anything. I'm I'm available any time. The other document within there is our financial services guide. You would have seen this previously. This explains who we are, where we are located, our our fees. What else does it include? If you're unhappy, how you can go around how you can disclose that disclose that. And if you're not happy with the services, the the next steps you can take. So that that's our financial services guide. Sorry. I'm overloading you with so much information. Yeah. Yeah. Oh, I'm so sorry that you do feel that way. I I'm no. Yeah. No. Yeah. Sharon, I can completely understand that. Let me reassure you that that's definitely not my approach. As an adviser. I've been an adviser for, gosh, a really, really long time now. And let's just say twenty plus years. I our approach here at Oakview is making sure that we get the best outcome for clients. Not everyone is always in a great financial situation, and I can tell you as well that there have been times where I have been very concerned and stressed financially. So I do understand that, and I'm really, really sorry you feel that way. And I hope that I can I can try and bring that around so you don't feel that way because what I Yeah? Yeah. Yeah. Okay. Okay. Help. Yeah. I'm sorry. You're experiencing that. Yeah. Yeah. There's so if when it comes to estates, it's always difficult to navigate, especially when it could help you financially. Yep. Well, if you ever need any guidance in that respect or discussions, please reach out. And if if I can't help, maybe I might be able to put you on to someone who can. Okay. The the other the other documents contained within the review pack is the next couple actually is your ongoing fee arrangement. So if you wanted to continue to be a client of ours and receive advice, it's you I would need you to review this is one of the forms that does need signing electronically is fine in the document sent to you. And that fee is a percentage base fee of 1.65% estimated to be $71,710 and 78¢ per annum deducted monthly from your hub twenty four account. So once you've had a chance to review this and make a decision, I'd get I would ask that you sign that, please, and that will come back automatically to us when you do so. Within those documents as well, there's a hub twenty four change of details form. Now that is to update your new address. We're also gonna have to do a q super one for you also, which we will get to post the our review with a couple of other documents that I've noted that we may need to get from you. So I I have noted that your you don't have a beneficiary in your q super fund. So we'll need to yeah. So in your q super with the balance with the statement that you sent through to me, I'm just scrolling to that. On page four, you don't have a nomination. So we can definitely help. Yeah. Yeah. You do on Hub. You do on Hub twenty four, but not with QSuper. So we will make sure that we get that form to you to help you make sure that that's in place. You have your children noted with us. So that's the the next point that I wanted to talk to you about. How old is Caitlin let's call it tax laws let's call it tax laws that are applicable to beneficiaries of a super fund super fund. So you've got your superannuation relevant tax laws and then the actual tax dependent laws for everybody. Within superannuation, you are unable to nominate adult children as beneficiaries, And, typically, it needs to be the legal personal representative, so that being your will or your estate, should I say. So we might need to get that updated and also look at the the will situation for you to make sure that that's addressed over time as well, get that in place. So what I'll do is I'll look at that. I'll when I send you through the email with all these forms, I'll put a little bit more detail in there to explain it to you so that it's clear. If you have any questions, you can come back to me. And the other item I noted too that we would need to do is update your address, your beneficiaries, is that we would I would just touch base with you in a few weeks oh, sorry, on Friday to see how you went with the the specialist post the surgery and the work, and then also understand a little bit better about your pay slip if you are gonna continue on work cover and how we can help, how we can look at helping, if we can, your deficit that and how long that might be likely to continue. There are some there are some rules where you may be eligible to access some. The rules are very, very strict, so we'd need to have a better understanding of what the long term likelihood of you being off work for is, the the financial impact that's gonna occur to you. So I think we can definitely look at that as an option once we have a better understanding of your work arrangement moving forward post your specialist appointment. So I will make that as a note for you that oh, Sharon, I'm so sorry. Yeah. It it is a lot. And and being in that period of uncertainty and not knowing about your return to work, that doesn't make things any easier. Yeah. No. And and we will do everything within our power to make sure that we help you and stay on track, and you've done so well getting to where you are that I understand that anxiety and the uncertainty that you're facing at the moment. So my role and our role as a team is to make sure that we help wherever we can and help you make the right decision to ensure that you stay on track and that we can help you in any way. So I'm definitely gonna reach out to you on Friday to see how you're going, how you went with the specialist. And we're gonna stay in touch and make sure that everything anything that you need help with or advice that we're gonna make sure is is touched on as soon as possible. No. That's okay, Sharon. I'm so sorry you're that you're experiencing this. It's it's awful. And no. You're not at all. And do you know what? I can actually relate. My husband had a pretty bad accident last year, and he was off work for a significant period of time on a reduced income, and it is extremely stressful. It is not something that I you know, people people don't understand it until until you've been through it. So I can relate, and I I'm I'm definitely gonna stand by you and help you along the way. So no. That's that's completely fine, Sharon. Is there anything that I can do today to help you with that? No. That's that's fine, Sharon. Is there anything that I can do today to help you? Yeah. Yep. Well, if even if you wanna give me a call on Thursday, feel free to and let me know how you went with a specialist. Otherwise, I'm gonna give you a call on Friday and check-in. Okay? Alright. And you'll notice, I completely completely understand where you're coming from. It is a lot. Yeah. It's yeah. Yeah. Yeah. Are are you able to get back to your apartment and maybe put your leg up in? Yeah. Yeah. Yeah. It's putting financial pressure on you. Yeah. Yep. Well, hopefully, you'll be able to go back to work in maybe some capacity being light duties or with your leg elevated. Hopefully, there'll be something there that he can help you with, but I think it's it's just waiting till Thursday to get that peace of mind and that clarity for you that's that's gonna be difficult. Yeah. Well, hopefully, Bentley keeps you nice and occupied and lots of cuddles and and and help you through this time until Thursday. No. You're welcome, Sharon. If you need anything in the meantime, please call me. Otherwise, I'm gonna go away and do all those action items we talked about. And no. You're absolutely welcome, and I will speak to you on Friday. You're welcome, Sharon. Thank you for your time. Bye. Yeah. 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Sharon. It's Jenna. How are you? Oh, gosh. No.\n\nThat's completely fine. Do you want me are you in your home now, or would you like me to wait a few minutes or phone back again? Okay. Okay. Well, I'm just gonna have to do the process again just because it's a new call and just let you know that our calls are recorded quality and coaching purposes.\n\nIs that okay? Lovely. Thank you. And, Sharon, just your full name, date of birth, and address, please. No.\n\nYou're right. Beautiful. Thanks so much for that, Sharon. So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there. It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit.\n\nIf you don't have access to it, I can talk through it, and you can review them after the call. That's completely fine. Yeah. Of course, it is. Of course, it is.\n\nBut what I will start by doing, if it's okay with you, I'm just gonna run through a little bit of I know we went through some of the updated some of the information last week when we spoke, but I'm gonna go through in a little bit more detail if that's okay with you. Okay. Sharon, what's your preferred salutation? Is it missus, miss, or miss? Miss yep.\n\nBeautiful. And do your middle name, I know you said that before. Can you spell that for me, please? L e a, n n, e e n. Beautiful.\n\nAnd just confirming your marital status, are you we've got it noted here that you're single. Is that still the case? Yep. And your email address is Sharon_r1@Hotmail.com? Yep.\n\nBeautiful. And we updated your address to Unit 2207 last week, so that's fantastic. Your dependents, do you have two daughters? Is that right? Oh, a son and a daughter.\n\nSorry. My apologies. Son and daughter. And we've got your next of kin as your daughter, Caitlin. Is that correct?\n\nCaitlin Baker. Beautiful. Congratulations. When did that happen? April.\n\nOh, that's not too long ago. That's lovely. And just confirming her phone number ends in 409. Beautiful. Now moving on to you more personally, I know that you've just had ankle surgery, but I just need to get some details on your usual occupation because I don't have anything listed here.\n\nWhat is yeah. I'm just gonna double check with you. What is your usual occupation? Administration. Beautiful.\n\nAnd do you I have here employer name as Royal Business Brisbane. Is that correct? Yep. The yes. I know.\n\nSorry. That's obviously yeah. Women's hospital. Oh, beautiful. Okay.\n\nAnd do you remember when you started there or roughly what year? Oh, wow. You got a great memory. And your employment status, full time, part time, casual? Full time.\n\nAnd your average hours worked per week? Forty. Beautiful. Thanks for that, Sharon. Now we had your income previously listed as 90,000 on when you're not on work cover.\n\nIs that correct, or would that need to be updated? Yeah. Okay. Okay. Alright.\n\nAnd I know that you were going to get a pay slip that would hopefully show your work cover income. Did that occur? I know that you thought that you from our last converse from our conversation last week that you're expecting to receive a payslip that kinda gave you an indication of what your work cover income may be. Did you receive that? Okay.\n\nYeah. Yeah. Okay. So would that be 85% of the 85,000? Yeah.\n\nNo. That's okay. We can if I mean, we can touch base on that later if if we need to. Yep. Okay.\n\nYeah. And you're not sure when you'll get back yet, are you? Because your appointment's on Thursday. Okay. Alright.\n\nWell, hopefully, it's not too too long. That's not ideal. What would be your expenditure per week? Also at night, if that's how you many yep. Yeah.\n\nSo Yep. Alright. So we're gonna be looking at a bit of a bit of a deficit while you're on work cover. Yeah. That payslip they sent you, was that for a full fortnight of work cover or, like, a pro pro rata period?\n\nYeah. Okay. Okay. And of at the moment, while you're on work cover, you won't be able to do any any savings that you were possibly doing. Yeah.\n\nYeah. Yeah. No. Of course. Alright.\n\nOkay. I'm just gonna make a couple little notes on that for me to refer back to. And your employer, are they paying the normal legislative super guarantee amount? I no? Okay.\n\nDo you get a little bit more? No. Sorry. For your super, just normally with your your normal employment. So, again, moving away from work cover, do you usually the 12%?\n\nAnd I know Yeah. Yeah. Do a little bit of. Yeah. Well, you can is that amount still 160 per fortnight?\n\nDo you think you'll continue that while on work cover? Yeah. Yeah. Okay. Okay.\n\nI'm just gonna make note of that longer. Yep. Yep. Yeah. Okay.\n\nAlright. Well, we'll keep we'll keep updated on that, and I might touch base with you early next week to see how you went with the doctor. Or even on Friday, I'll just touch in and see how you went, and we can have a look at things from there. We have your assets as your Mazda CX three. Is that still current?\n\nAnd we've got that valued at about 43,000. And I yep. And the it's under a novated lease. Is that still correct? With the pay the debt being 16,200?\n\nThe debt noted as 16,200, is that reduced at all? Yes. Yes. Yes. Yep.\n\nOkay. I might send an email for that just to get that information post our meeting, if that's okay. Alright. Beautiful. I also have a personal loan here of consolidated debt for 18,000.\n\nIs that still current? Still 18? Twelve. Beautiful. And we had an asset here of coin spot.\n\nIs that still current? Oh, no. That's okay. My apologies. Coin spot?\n\nDoes that sound accurate? Yep. Okay. That's no worries at all. 200 when we last okay.\n\nBeautiful. Do you have any other assets that you have or debts? No. Okay. And have you ever been declared bankrupt?\n\nSorry that I have to ask that question. Yeah. Okay. And that's all been cleared? Okay.\n\nBeautiful. Alright. And are you a smoker? Nope. Do you take any medication regularly?\n\nNo. Do you have private health insurance? Yeah. Who's that with? Rupert.\n\nLovely. And for significant health injury health issues or injuries, I've just put your ankle surgery here. Is there anything else that you can think of? No. No worries at all.\n\nAnd I note that the last time we spoke that you didn't have a will or power of attorney in place. Is has that changed at all? No? Okay. Alright.\n\nOkay. With your approach to risk, so your investment risk, we currently have you as a growth investor. So that that means typically that you'd be exposed to allocation of roughly 80% of your funds to growth assets being shares, both international and Australian, property, and then 20% to defensive type assets being cash, term deposits, fixed interest. I've looked at both your hub 24 and your q super and your your asset allocation sitting just above the 80% mark for a growth asset with q super being a 2% ours being about 84%. So we can look at rebalancing that back down.\n\nBut before we did, I just wanted to make sure run through our risk profile questionnaire with you just to make sure that you're comfortable with that, a growth risk profile. So just the questions are is, what is the most aggressive investment you have ever made? Direct shares, managed funds, an investment property, your own home, or a high interest bank account? Yeah. So in your super fund at the moment, you've got managed funds.\n\nSo that would be probably appropriate. Would you agree that that's the most aggressive that you've made? Yeah. Sorry. Some of these questions are a little difficult at times.\n\nThat's okay. I wanted to check with you because this will help me answer my question. The next question, your intended retirement age, is that still 65? Okay. So 60 if we if we look at 65 even, that's about nine years away at the present moment.\n\nSo one of the questions is once our investments have been placed, how long would it be before you would need to access them? If your intended retirement was 65, we would say that's twenty seven and nine years. Do you think that's correct? Yes. Beautiful.\n\nAnother question. This one's more about your feelings. No wrong or right answer. How would you feel if within a six month period your portfolio decreased by 20% just due to the general trends in the financial market? So you would have seen your portfolio fluctuate over the years that you've had it.\n\nOption and stop avoid future losses? What option and stop avoid future losses? What do you think your reaction would be? Yeah. Previously, you answered hold and wait.\n\nSo are you comfortable to keep that there? Yeah. Okay. And being a growth investor, the return for a growth investor is typically between the seven to 9% return per annum. Would you is that what you would expect?\n\nOr would you? Yeah. No. That's okay. Okay.\n\nWell, last last time, you had between four to 6%. Is that what you would continue to expect? Okay. That's fine, Sharon. Thank you.\n\nYeah. Yeah. Yeah. No. Of course, I can probably ask these questions in a different way as we work through the review if you like.\n\nDoes that sound okay? Yeah. No worries. And then I just wanna pivot back quickly to your goals and objectives just to check what they were last time and make sure that we're they're still appropriate or they might have changed. So with your superannuation, your previous goal was to consolidate and manage your super more effectively.\n\nIs that still applicable? Yeah. I know from our conversation last week, you also wanted to look at there was some concern you had with the q super not being rolled over and there was a larger balance. So I do have that to discuss with you and the returns as comparable as best as I can. But would one of them be to get the would your goal also post this review be to ensure that the 10,000 remains in q super and we get the funds rolled over to your funds?\n\nMhmm. Yep. Yep. Alright. Let's I've got that definite I've got all those figures there definitely to go over with you.\n\nSo because I do remember from our chat last week that that was something that we definitely needed to talk about. So I'll pivot to that in a moment. I'll just finish off the goals. Another one was that you would want to purchase your own your own home and get out of the rental market. Is that still something that no.\n\nOkay. And when at retirement at the age of 65, you had mentioned that you'd need about a thousand dollars per week in income. Would that be appropriate, or would it be more? Yeah. Do you have any idea?\n\nYes. Yep. Yep. Yeah. No.\n\nNo. Oh, okay. Do you know outside of rent what your other expenses are? So it and that's after all your the if you were debt free. Okay.\n\nAlright. Beautiful. Okay. Much do you have in your Afterpay debt wise? Oh, beautiful.\n\nYep. Nice. That's fine. That's fine. That's fine.\n\nDid you want to look at a plan to pay off the debts that you do have quicker, or or are you happy to manage that yourself? Yes. Yep. Yeah. Yep.\n\nThat's okay. So maybe we could look at a when you're back at work, potentially, we could look at a a cash flow analysis and help you see if we can help you achieve that goal of being completely debt free by retirement. And it doesn't it doesn't when we say, you know, accelerate your repayment of debt, it doesn't have to be, like, over a two year period. For example, the the personal loan could have a five year term remaining on it, and we might be able to bring that down to three years if we increase it slightly. So we can have a look at those things, but we'll wait till you're in a position to actually do that and you're off work cover and you've caught up a little bit before we do that.\n\nYeah. Okay. And that's next September. Beautiful. Balloon payment?\n\nYep. Okay. Well, we could maybe what we could maybe do is look at that then in September next year and see what we can what plan we can come up with to help you achieve that. Yep. Yep.\n\nYep. Okay. Alright. Beautiful. So what I'm gonna do is just put a a goal here that maybe next September, we so next review, we talk about the cash flow and see if we can help you get that debt paid down a little quicker.\n\nBut there's no significant need right now given your current situation with your health and no no clear path as to when you're gonna be able to return to work yet. Okay. So what I'll do now is I'll just pivot over to the documents, which you'll be able to review post our phone call. As I mentioned, it will come from OdooSign, and there are a few documents within this. It will ask you to sign when you're ready, but it won't won't let you sign until you've reviewed all the documents.\n\nSo one of the first ones within there is just a summary of your insurances and superannuation. We've got a hub 24 at about 104,000, and we have q super at about 86,000. With within q super, you have your life insurance at 57,600 and your TPD at the same amount and an income protection policy of $6,373 with a ninety day wait and a two year benefit period. Yeah? What what did you try to change it to?\n\nOkay. To check. Yeah. Yep. That would increase your premium, but we can help you have a look into that if you like and do some research as to why.\n\nOkay. I will just make a note of that. Okay. So what I'm going to do sorry? Oh, you're absolutely fine.\n\nYou're absolutely fine. Okay. So one of the other documents within the review pack as well is the performance of hub twenty four. There's two in there, the twelve month and six month period. The twelve month period is from yesterday through to twelve months ago, and the annualized return was 4.5.\n\nYes. So lower than your two super, definitely. And the the main reason being is we've had a fund in there called the Benelon concentrated Australian equities fund. That fund has been reviewed by our investment committee. And it's not that the Australian share market has performed badly.\n\nIt's more the approach that the investment manager has taken. So rather than being invested in, say, the bank the the bank stock, for example, which have performed quite well, their their investment philosophy is is that they chase under undervalued companies that they feel have untapped growth. So their philosophy hasn't really hit the mark in the last twelve plus months. So our investment committee has said that we want to look at alternatives for that when we speak with our clients. So that's the first thing I wanted to tap into is that if you're comfortable for me to look at alternatives for the Bennelong Fund.\n\nBeautiful. And then looking at the rest of your policy your your policy your portfolio. Sorry. You have a number of ETFs. So you've got some exposure to the cyber AI type security.\n\nHas performed very well in the last twelve months. Again, that's a bit of a niche market, but also a very popular one at the moment, I'm sure you can imagine. It's we would expect a little bit more volatility with that type of investment given its niche in nature. Good a good a great diversification across the international shares being Europe, Asia, US, and we've also got some fixed interest assets. So what in in saying that, I'd probably like to have a look at your portfolio in full and make sure that it is, as I mentioned, it is a little bit hit top heavy on the growth assets, which we would maybe look to rebalance and bring back down to the 80% mark.\n\nBut, as long as you're happy for me to do that, I can go and investigate that further. Fantastic. And then the next document in there is the six months return. So we've included that with hub twenty four to just give you further information. So at the moment, at the six month mark, the portfolio is tracking at 3.46%.\n\nSo it's coming back on track, but that's just as an information piece for you. Now when we looked at the q super, the statement you sent through to me, thank you for doing that, I noted that you're in the lifetime focus one. So what I did is I went and conducted some research and looked at the return for the 2526. So that because they only update it in financial years. That was the most recent one.\n\nSo in this scenario, comparing QSuper to hub is difficult because they're not like for like, apples for apples. So I've done the best I can. So the return for q super in the lifetime focus one was 7.89% for the 2526 financial year. And what I did with the hub '24, I went and generated a report for that same exact financial year being 2526 so I could compare as close as possible. The q for one, the only note is that they that's including fees except for the administration fees that are charged.\n\nSo there is a little bit of fee to be duck deducted from the 7.89%, but not a lot. The hub '24 return for the same year was 7.67 percent. So it was and that that that's post fee or net of fees, I should say. So there is a little bit of a difference. It's very marginal, but I think that's the impact.\n\nWell, I know that that's the impact of the Benelon concentrated in Australian equities fund. So what part of my plan would be to look at reviewing that and finding a potentially alternative better option as long as it suited your goals and objectives. So they're tracking very, very close to each other. And if we took those fees away from QSuper, I think that would change it, reduce it a little bit more, and that'd be a little bit more aligned. But, yes, I can I did go and do that, and I just guess from that, do you have any questions?\n\nNo? No. That's okay. I'm I'm glad I could provide you with some peace of mind. So I would my action items would be to go and conduct some research and make sure that we review your portfolio.\n\nThe next document in there is a Vanguard chart. Now I note you said visually. You like to see things visually. This is a great chart to look at investments wise. So it brings it down into different assets.\n\nYou've got your estranged shares, international shares, property, bonds, cash. And what it is is it tracks over from 1995 through to 2025. The new one hasn't been released just yet. And it will show you how the different market all the different sectors, sorry, react. So along the top, you'll note that there's some significant events.\n\nFor example, COVID is in there. So if you look at the COVID year, you'll see how the different markets reacted. And that there is always this volatility of the ups and downs within the market. That's something that we can't avoid. We just need to make sure that your portfolio is constructed in a manner that you are comfortable with it and that you have the time frame to withstand that volatility.\n\nSo that's a really good document for you to have a look at, especially given you wanted to look at something visual. And if you have any questions after that, please just shoot me an email, give me a call, anything. I'm I'm available any time. The other document within there is our financial services guide. You would have seen this previously.\n\nThis explains who we are, where we are located, our our fees. What else does it include? If you're unhappy, how you can go around how you can disclose that disclose that. And if you're not happy with the services, the the next steps you can take. So that that's our financial services guide.\n\nSorry. I'm overloading you with so much information. Yeah. Yeah. Oh, I'm so sorry that you do feel that way.\n\nI I'm no. Yeah. No. Yeah. Sharon, I can completely understand that.\n\nLet me reassure you that that's definitely not my approach. As an adviser. I've been an adviser for, gosh, a really, really long time now. And let's just say twenty plus years. I our approach here at Oakview is making sure that we get the best outcome for clients.\n\nNot everyone is always in a great financial situation, and I can tell you as well that there have been times where I have been very concerned and stressed financially. So I do understand that, and I'm really, really sorry you feel that way. And I hope that I can I can try and bring that around so you don't feel that way because what I Yeah? Yeah. Yeah.\n\nOkay. Okay. Help. Yeah. I'm sorry.\n\nYou're experiencing that. Yeah. Yeah. There's so if when it comes to estates, it's always difficult to navigate, especially when it could help you financially. Yep.\n\nWell, if you ever need any guidance in that respect or discussions, please reach out. And if if I can't help, maybe I might be able to put you on to someone who can. Okay. The the other the other documents contained within the review pack is the next couple actually is your ongoing fee arrangement. So if you wanted to continue to be a client of ours and receive advice, it's you I would need you to review this is one of the forms that does need signing electronically is fine in the document sent to you.\n\nAnd that fee is a percentage base fee of 1.65% estimated to be $71,710 and 78¢ per annum deducted monthly from your hub twenty four account. So once you've had a chance to review this and make a decision, I'd get I would ask that you sign that, please, and that will come back automatically to us when you do so. Within those documents as well, there's a hub twenty four change of details form. Now that is to update your new address. We're also gonna have to do a q super one for you also, which we will get to post the our review with a couple of other documents that I've noted that we may need to get from you.\n\nSo I I have noted that your you don't have a beneficiary in your q super fund. So we'll need to yeah. So in your q super with the balance with the statement that you sent through to me, I'm just scrolling to that. On page four, you don't have a nomination. So we can definitely help.\n\nYeah. Yeah. You do on Hub. You do on Hub twenty four, but not with QSuper. So we will make sure that we get that form to you to help you make sure that that's in place.\n\nYou have your children noted with us. So that's the the next point that I wanted to talk to you about. How old is Caitlin let's call it tax laws let's call it tax laws that are applicable to beneficiaries of a super fund super fund. So you've got your superannuation relevant tax laws and then the actual tax dependent laws for everybody. Within superannuation, you are unable to nominate adult children as beneficiaries, And, typically, it needs to be the legal personal representative, so that being your will or your estate, should I say.\n\nSo we might need to get that updated and also look at the the will situation for you to make sure that that's addressed over time as well, get that in place. So what I'll do is I'll look at that. I'll when I send you through the email with all these forms, I'll put a little bit more detail in there to explain it to you so that it's clear. If you have any questions, you can come back to me. And the other item I noted too that we would need to do is update your address, your beneficiaries, is that we would I would just touch base with you in a few weeks oh, sorry, on Friday to see how you went with the the specialist post the surgery and the work, and then also understand a little bit better about your pay slip if you are gonna continue on work cover and how we can help, how we can look at helping, if we can, your deficit that and how long that might be likely to continue.\n\nThere are some there are some rules where you may be eligible to access some. The rules are very, very strict, so we'd need to have a better understanding of what the long term likelihood of you being off work for is, the the financial impact that's gonna occur to you. So I think we can definitely look at that as an option once we have a better understanding of your work arrangement moving forward post your specialist appointment. So I will make that as a note for you that oh, Sharon, I'm so sorry. Yeah.\n\nIt it is a lot. And and being in that period of uncertainty and not knowing about your return to work, that doesn't make things any easier. Yeah. No. And and we will do everything within our power to make sure that we help you and stay on track, and you've done so well getting to where you are that I understand that anxiety and the uncertainty that you're facing at the moment.\n\nSo my role and our role as a team is to make sure that we help wherever we can and help you make the right decision to ensure that you stay on track and that we can help you in any way. So I'm definitely gonna reach out to you on Friday to see how you're going, how you went with the specialist. And we're gonna stay in touch and make sure that everything anything that you need help with or advice that we're gonna make sure is is touched on as soon as possible. No. That's okay, Sharon.\n\nI'm so sorry you're that you're experiencing this. It's it's awful. And no. You're not at all. And do you know what?\n\nI can actually relate. My husband had a pretty bad accident last year, and he was off work for a significant period of time on a reduced income, and it is extremely stressful. It is not something that I you know, people people don't understand it until until you've been through it. So I can relate, and I I'm I'm definitely gonna stand by you and help you along the way. So no.\n\nThat's that's completely fine, Sharon. Is there anything that I can do today to help you with that? No. That's that's fine, Sharon. Is there anything that I can do today to help you?\n\nYeah. Yep. Well, if even if you wanna give me a call on Thursday, feel free to and let me know how you went with a specialist. Otherwise, I'm gonna give you a call on Friday and check-in. Okay?\n\nAlright. And you'll notice, I completely completely understand where you're coming from. It is a lot. Yeah. It's yeah.\n\nYeah. Yeah. Are are you able to get back to your apartment and maybe put your leg up in? Yeah. Yeah.\n\nYeah. It's putting financial pressure on you. Yeah. Yep. Well, hopefully, you'll be able to go back to work in maybe some capacity being light duties or with your leg elevated.\n\nHopefully, there'll be something there that he can help you with, but I think it's it's just waiting till Thursday to get that peace of mind and that clarity for you that's that's gonna be difficult. Yeah. Well, hopefully, Bentley keeps you nice and occupied and lots of cuddles and and and help you through this time until Thursday. No. You're welcome, Sharon.\n\nIf you need anything in the meantime, please call me. Otherwise, I'm gonna go away and do all those action items we talked about. And no. You're absolutely welcome, and I will speak to you on Friday. You're welcome, Sharon.\n\nThank you for your time. Bye. Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sharon.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1989641785621643},{"text":"It's Jenna.","start":3.6799998,"end":4.4,"sentiment":"neutral","sentiment_score":0.2381797730922699},{"text":"How are you?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2588688333829244},{"text":"Oh, gosh.","start":13.44,"end":14.115,"sentiment":"neutral","sentiment_score":-0.12497280538082123},{"text":"No.","start":18.195,"end":18.515,"sentiment":"neutral","sentiment_score":-0.16438165307044983}],"sentiment":"neutral","sentiment_score":0.12365671396255493,"num_words":10,"start":2.96,"end":18.515},{"sentences":[{"text":"That's completely fine.","start":18.515,"end":19.955,"sentiment":"neutral","sentiment_score":0.0017140296598275526},{"text":"Do you want me are you in your home now, or would you like me to wait a few minutes or phone back again?","start":19.955,"end":25.974998,"sentiment":"neutral","sentiment_score":-0.039970775096056364},{"text":"Okay.","start":30.21,"end":30.71,"sentiment":"neutral","sentiment_score":0.011241275817155838},{"text":"Okay.","start":31.89,"end":32.37,"sentiment":"neutral","sentiment_score":0.041093409061431885},{"text":"Well, I'm just gonna have to do the process again just because it's a new call and just let you know that our calls are recorded quality and coaching purposes.","start":32.37,"end":40.535,"sentiment":"neutral","sentiment_score":-0.007779823468687634}],"sentiment":"neutral","sentiment_score":-0.019240958178100193,"num_words":59,"start":18.515,"end":40.535},{"sentences":[{"text":"Is that okay?","start":40.535,"end":41.434998,"sentiment":"neutral","sentiment_score":0.03739860653877258},{"text":"Lovely.","start":43.095,"end":43.495,"sentiment":"positive","sentiment_score":0.4867408275604248},{"text":"Thank you.","start":43.495,"end":44.055,"sentiment":"positive","sentiment_score":0.5040869116783142},{"text":"And, Sharon, just your full name, date of birth, and address, please.","start":44.055,"end":47.434998,"sentiment":"neutral","sentiment_score":0.1319714765995741},{"text":"No.","start":52.695,"end":52.934998,"sentiment":"neutral","sentiment_score":-0.02486885152757168}],"sentiment":"neutral","sentiment_score":0.16662628095793097,"num_words":19,"start":40.535,"end":52.934998},{"sentences":[{"text":"You're right.","start":52.934998,"end":58.670002,"sentiment":"neutral","sentiment_score":0.00787493959069252},{"text":"Beautiful.","start":60.09,"end":60.57,"sentiment":"positive","sentiment_score":0.47905853390693665},{"text":"Thanks so much for that, Sharon.","start":60.57,"end":62.11,"sentiment":"positive","sentiment_score":0.6264440814654032},{"text":"So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there.","start":63.45,"end":74.325005,"sentiment":"neutral","sentiment_score":0.22740408312529325},{"text":"It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit.","start":74.465004,"end":82.770004,"sentiment":"neutral","sentiment_score":0.12149080000817776}],"sentiment":"neutral","sentiment_score":0.22885605839432263,"num_words":61,"start":52.934998,"end":82.770004},{"sentences":[{"text":"If you don't have access to it, I can talk through it, and you can review them after the call.","start":88.19,"end":93.55,"sentiment":"neutral","sentiment_score":0.011253611464053393},{"text":"That's completely fine.","start":93.55,"end":95.090004,"sentiment":"neutral","sentiment_score":0.10406865552067757},{"text":"Yeah.","start":95.47,"end":95.79,"sentiment":"neutral","sentiment_score":0.1022648736834526},{"text":"Of course, it is.","start":95.79,"end":96.705,"sentiment":"neutral","sentiment_score":0.09969428926706314},{"text":"Of course, it is.","start":96.705,"end":98.405,"sentiment":"neutral","sentiment_score":0.06012237351387739}],"sentiment":"neutral","sentiment_score":0.03996280377032235,"num_words":32,"start":88.19,"end":98.405},{"sentences":[{"text":"But what I will start by doing, if it's okay with you, I'm just gonna run through a little bit of I know we went through some of the updated some of the information last week when we spoke, but I'm gonna go through in a little bit more detail if that's okay with you.","start":99.505005,"end":114.72,"sentiment":"neutral","sentiment_score":0.055985900488766754},{"text":"Okay.","start":114.72,"end":115.22,"sentiment":"neutral","sentiment_score":0.079716756939888},{"text":"Sharon, what's your preferred salutation?","start":116.64,"end":118.5,"sentiment":"neutral","sentiment_score":0.07675486207008361},{"text":"Is it missus, miss, or miss?","start":118.56,"end":120.74,"sentiment":"neutral","sentiment_score":0.013851521691928307},{"text":"Miss yep.","start":122.64,"end":123.6,"sentiment":"neutral","sentiment_score":0.32248713076114655}],"sentiment":"neutral","sentiment_score":0.061895637476033924,"num_words":69,"start":99.505005,"end":123.6},{"sentences":[{"text":"Beautiful.","start":123.6,"end":124.1,"sentiment":"positive","sentiment_score":0.6397510766983032},{"text":"And do your middle name, I know you said that before.","start":124.58501,"end":127.385,"sentiment":"neutral","sentiment_score":0.09590403837236491},{"text":"Can you spell that for me, please?","start":127.385,"end":129.085,"sentiment":"neutral","sentiment_score":0.042424053219812255},{"text":"L e a, n n, e e n.","start":131.30501,"end":134.925,"sentiment":"neutral","sentiment_score":0.020718990243040025},{"text":"Beautiful.","start":135.625,"end":136.125,"sentiment":"positive","sentiment_score":0.3676561117172241}],"sentiment":"neutral","sentiment_score":0.09018113946409098,"num_words":28,"start":123.6,"end":136.125},{"sentences":[{"text":"And just confirming your marital status, are you we've got it noted here that you're single.","start":137.145,"end":142.05,"sentiment":"neutral","sentiment_score":0.11859599873423576},{"text":"Is that still the case?","start":142.05,"end":143.34999,"sentiment":"neutral","sentiment_score":0.03696394078433514},{"text":"Yep.","start":144.69,"end":145.19,"sentiment":"neutral","sentiment_score":0.05119764059782028},{"text":"And your email address is Sharon_r1@Hotmail.com?","start":145.25,"end":149.75,"sentiment":"neutral","sentiment_score":0.049373951430122055},{"text":"Yep.","start":151.01,"end":151.33,"sentiment":"neutral","sentiment_score":0.10587918013334274}],"sentiment":"neutral","sentiment_score":0.08743711079246011,"num_words":29,"start":137.145,"end":151.33},{"sentences":[{"text":"Beautiful.","start":151.33,"end":151.73,"sentiment":"positive","sentiment_score":0.5277081727981567},{"text":"And we updated your address to Unit 2207 last week, so that's fantastic.","start":151.73,"end":156.065,"sentiment":"positive","sentiment_score":0.5868483185768127},{"text":"Your dependents, do you have two daughters?","start":160.125,"end":162.045,"sentiment":"neutral","sentiment_score":0.056254107505083084},{"text":"Is that right?","start":162.045,"end":162.94499,"sentiment":"neutral","sentiment_score":0.0636481096347173},{"text":"Oh, a son and a daughter.","start":165.325,"end":166.525,"sentiment":"neutral","sentiment_score":0.011950650873283545}],"sentiment":"neutral","sentiment_score":0.29377211003253856,"num_words":30,"start":151.33,"end":166.525},{"sentences":[{"text":"Sorry.","start":166.525,"end":166.845,"sentiment":"neutral","sentiment_score":-0.054804667830467224},{"text":"My apologies.","start":166.845,"end":167.58499,"sentiment":"neutral","sentiment_score":-0.14476373046636581},{"text":"Son and daughter.","start":172.14,"end":172.86,"sentiment":"neutral","sentiment_score":0.022374221434195835},{"text":"And we've got your next of kin as your daughter, Caitlin.","start":172.86,"end":176.32,"sentiment":"neutral","sentiment_score":0.03530218926343051},{"text":"Is that correct?","start":176.38,"end":177.2,"sentiment":"neutral","sentiment_score":0.03628328380485376}],"sentiment":"neutral","sentiment_score":0.010998223442584276,"num_words":20,"start":166.525,"end":177.2},{"sentences":[{"text":"Caitlin Baker.","start":181.26001,"end":182.205,"sentiment":"neutral","sentiment_score":0.04854876361787319},{"text":"Beautiful.","start":182.605,"end":183.105,"sentiment":"positive","sentiment_score":0.5130437612533569},{"text":"Congratulations.","start":183.725,"end":184.225,"sentiment":"positive","sentiment_score":0.4266991913318634},{"text":"When did that happen?","start":184.365,"end":185.425,"sentiment":"neutral","sentiment_score":0.12674277648329735},{"text":"April.","start":187.405,"end":187.80501,"sentiment":"neutral","sentiment_score":0.026741046458482742}],"sentiment":"neutral","sentiment_score":0.17450584802362654,"num_words":9,"start":181.26001,"end":187.80501},{"sentences":[{"text":"Oh, that's not too long ago.","start":187.80501,"end":189.245,"sentiment":"neutral","sentiment_score":0.03589150961488485},{"text":"That's lovely.","start":189.245,"end":190.065,"sentiment":"positive","sentiment_score":0.3342698961496353},{"text":"And just confirming her phone number ends in 409.","start":193.16501,"end":196.35,"sentiment":"neutral","sentiment_score":0.058457555456293955},{"text":"Beautiful.","start":198.27,"end":198.77,"sentiment":"neutral","sentiment_score":0.2574412524700165},{"text":"Now moving on to you more personally, I know that you've just had ankle surgery, but I just need to get some details on your usual occupation because I don't have anything listed here.","start":199.55,"end":212.83499,"sentiment":"neutral","sentiment_score":-0.002267858205253587}],"sentiment":"neutral","sentiment_score":0.03058347928051192,"num_words":52,"start":187.80501,"end":212.83499},{"sentences":[{"text":"What is yeah.","start":213.455,"end":214.67499,"sentiment":"neutral","sentiment_score":-0.01851892936974764},{"text":"I'm just gonna double check with you.","start":215.135,"end":216.97499,"sentiment":"neutral","sentiment_score":-0.010537569411098957},{"text":"What is your usual occupation?","start":216.97499,"end":218.595,"sentiment":"neutral","sentiment_score":-0.011929849535226822},{"text":"Administration.","start":221.055,"end":221.555,"sentiment":"neutral","sentiment_score":0.011502155102789402},{"text":"Beautiful.","start":221.935,"end":222.435,"sentiment":"neutral","sentiment_score":0.09329016506671906}],"sentiment":"neutral","sentiment_score":-0.004951570676091839,"num_words":17,"start":213.455,"end":222.435},{"sentences":[{"text":"And do you I have here employer name as Royal Business Brisbane.","start":223.935,"end":227.99,"sentiment":"neutral","sentiment_score":0.012220047569523254},{"text":"Is that correct?","start":227.99,"end":228.81,"sentiment":"neutral","sentiment_score":0.0034533670792977014},{"text":"Yep.","start":233.11,"end":233.61,"sentiment":"neutral","sentiment_score":-0.02356135845184326},{"text":"The yes.","start":235.19,"end":236.41,"sentiment":"neutral","sentiment_score":-0.022412257734686136},{"text":"I know.","start":236.63,"end":237.29001,"sentiment":"neutral","sentiment_score":-0.02905471064150333}],"sentiment":"neutral","sentiment_score":0.0015252688433974983,"num_words":20,"start":223.935,"end":237.29001},{"sentences":[{"text":"Sorry.","start":237.35,"end":237.85,"sentiment":"neutral","sentiment_score":-0.0489041805267334},{"text":"That's obviously yeah.","start":237.99,"end":244.565,"sentiment":"neutral","sentiment_score":-0.030657324939966202},{"text":"Women's hospital.","start":245.105,"end":246.165,"sentiment":"neutral","sentiment_score":-0.0097112525254488},{"text":"Oh, beautiful.","start":246.22499,"end":246.965,"sentiment":"neutral","sentiment_score":0.09412176162004471},{"text":"Okay.","start":247.985,"end":248.485,"sentiment":"neutral","sentiment_score":0.02964559756219387}],"sentiment":"neutral","sentiment_score":0.006398940044972632,"num_words":9,"start":237.35,"end":248.485},{"sentences":[{"text":"And do you remember when you started there or roughly what year?","start":249.345,"end":256.16998,"sentiment":"neutral","sentiment_score":0.015863516523192327},{"text":"Oh, wow.","start":263.43,"end":263.99,"sentiment":"neutral","sentiment_score":0.2002139836549759},{"text":"You got a great memory.","start":263.99,"end":265.28998,"sentiment":"neutral","sentiment_score":0.33245856761932374},{"text":"And your employment status, full time, part time, casual?","start":269.115,"end":272.415,"sentiment":"neutral","sentiment_score":0.06473189509577221},{"text":"Full time.","start":273.915,"end":274.735,"sentiment":"neutral","sentiment_score":0.03930548578500748}],"sentiment":"neutral","sentiment_score":0.09714270103722811,"num_words":30,"start":249.345,"end":274.735},{"sentences":[{"text":"And your average hours worked per week?","start":276.155,"end":278.975,"sentiment":"neutral","sentiment_score":0.024370229803025723},{"text":"Forty.","start":281.835,"end":282.335,"sentiment":"neutral","sentiment_score":0.10809330642223358},{"text":"Beautiful.","start":282.395,"end":282.875,"sentiment":"positive","sentiment_score":0.6937655210494995},{"text":"Thanks for that, Sharon.","start":282.875,"end":284.095,"sentiment":"positive","sentiment_score":0.6717990189790726},{"text":"Now we had your income previously listed as 90,000 on when you're not on work cover.","start":284.395,"end":291.89,"sentiment":"neutral","sentiment_score":0.0064417446264997125}],"sentiment":"neutral","sentiment_score":0.12974877331148962,"num_words":29,"start":276.155,"end":291.89},{"sentences":[{"text":"Is that correct, or would that need to be updated?","start":291.89,"end":294.15,"sentiment":"neutral","sentiment_score":-0.020668517611920834},{"text":"Yeah.","start":299.57,"end":299.865,"sentiment":"neutral","sentiment_score":-0.08719581365585327},{"text":"Okay.","start":300.985,"end":301.485,"sentiment":"neutral","sentiment_score":-0.10387037694454192},{"text":"Okay.","start":305.625,"end":306.125,"sentiment":"neutral","sentiment_score":0.004833312705159187},{"text":"Alright.","start":306.26498,"end":306.76498,"sentiment":"neutral","sentiment_score":0.03981343656778336}],"sentiment":"neutral","sentiment_score":-0.025221758389047215,"num_words":14,"start":291.89,"end":306.76498},{"sentences":[{"text":"And I know that you were going to get a pay slip that would hopefully show your work cover income.","start":307.305,"end":315.57,"sentiment":"neutral","sentiment_score":0.02524003004655242},{"text":"Did that occur?","start":315.57,"end":316.63,"sentiment":"neutral","sentiment_score":0.012553455618520578},{"text":"I know that you thought that you from our last converse from our conversation last week that you're expecting to receive a payslip that kinda gave you an indication of what your work cover income may be.","start":320.37003,"end":329.995,"sentiment":"neutral","sentiment_score":-0.01854185395043444},{"text":"Did you receive that?","start":329.995,"end":331.215,"sentiment":"neutral","sentiment_score":-0.002256350824609399},{"text":"Okay.","start":336.475,"end":336.975,"sentiment":"neutral","sentiment_score":-0.07918275892734528}],"sentiment":"neutral","sentiment_score":-0.0035660890862345695,"num_words":65,"start":307.305,"end":336.975},{"sentences":[{"text":"Yeah.","start":340.715,"end":341.215,"sentiment":"neutral","sentiment_score":-0.09474249184131622},{"text":"Yeah.","start":342.075,"end":342.39502,"sentiment":"neutral","sentiment_score":-0.02166355960071087},{"text":"Okay.","start":342.39502,"end":342.89502,"sentiment":"neutral","sentiment_score":-0.014793280512094498},{"text":"So would that be 85% of the 85,000?","start":343.4,"end":346.78,"sentiment":"neutral","sentiment_score":-0.0205376495141536},{"text":"Yeah.","start":352.28,"end":352.78,"sentiment":"neutral","sentiment_score":-0.06838111579418182}],"sentiment":"neutral","sentiment_score":-0.03032347032179435,"num_words":12,"start":340.715,"end":352.78},{"sentences":[{"text":"No.","start":352.92,"end":353.16,"sentiment":"neutral","sentiment_score":-0.13901716470718384},{"text":"That's okay.","start":353.16,"end":353.80002,"sentiment":"neutral","sentiment_score":-0.05875219777226448},{"text":"We can if I mean, we can touch base on that later if if we need to.","start":353.80002,"end":357.98,"sentiment":"neutral","sentiment_score":-0.009712150210843366},{"text":"Yep.","start":362.38498,"end":362.88498,"sentiment":"neutral","sentiment_score":-0.017916172742843628},{"text":"Okay.","start":365.185,"end":365.685,"sentiment":"neutral","sentiment_score":-0.17547348141670227}],"sentiment":"neutral","sentiment_score":-0.027955353090708904,"num_words":22,"start":352.92,"end":365.685},{"sentences":[{"text":"Yeah.","start":369.66498,"end":370.16498,"sentiment":"neutral","sentiment_score":-0.1002894565463066},{"text":"And you're not sure when you'll get back yet, are you?","start":372.24,"end":374.56,"sentiment":"neutral","sentiment_score":-0.08870865878733722},{"text":"Because your appointment's on Thursday.","start":374.56,"end":376.74,"sentiment":"neutral","sentiment_score":-0.07144311890006065},{"text":"Okay.","start":378.4,"end":378.9,"sentiment":"neutral","sentiment_score":-0.01080729253590107},{"text":"Alright.","start":379.84,"end":380.24,"sentiment":"neutral","sentiment_score":-0.012446433305740356}],"sentiment":"neutral","sentiment_score":-0.07666073808152425,"num_words":19,"start":369.66498,"end":380.24},{"sentences":[{"text":"Well, hopefully, it's not too too long.","start":380.24,"end":382.74,"sentiment":"neutral","sentiment_score":-0.215403322662626},{"text":"That's not ideal.","start":382.96,"end":384.5,"sentiment":"negative","sentiment_score":-0.5083934466044108},{"text":"What would be your expenditure per week?","start":387.505,"end":390.245,"sentiment":"neutral","sentiment_score":-0.09592685316290174},{"text":"Also at night, if that's how you many yep.","start":394.625,"end":399.86002,"sentiment":"neutral","sentiment_score":-0.043676393727461495},{"text":"Yeah.","start":410.96,"end":411.46,"sentiment":"neutral","sentiment_score":-0.048151519149541855}],"sentiment":"neutral","sentiment_score":-0.1535455790106897,"num_words":27,"start":380.24,"end":411.46},{"sentences":[{"text":"So Yep.","start":415.485,"end":418.54498,"sentiment":"neutral","sentiment_score":-0.04024066519923508},{"text":"Alright.","start":420.205,"end":420.705,"sentiment":"neutral","sentiment_score":-0.03499535843729973},{"text":"So we're gonna be looking at a bit of a bit of a deficit while you're on work cover.","start":423.485,"end":429.21,"sentiment":"neutral","sentiment_score":-0.15045867762283274},{"text":"Yeah.","start":429.21,"end":429.71,"sentiment":"neutral","sentiment_score":0.015308018773794174},{"text":"That payslip they sent you, was that for a full fortnight of work cover or, like, a pro pro rata period?","start":434.73,"end":441.74503,"sentiment":"neutral","sentiment_score":-0.009320033359385672}],"sentiment":"neutral","sentiment_score":-0.07169555103279311,"num_words":44,"start":415.485,"end":441.74503},{"sentences":[{"text":"Yeah.","start":444.20502,"end":444.70502,"sentiment":"neutral","sentiment_score":-0.0183098241686821},{"text":"Okay.","start":445.885,"end":446.385,"sentiment":"neutral","sentiment_score":0.02038203552365303},{"text":"Okay.","start":449.08502,"end":449.58502,"sentiment":"neutral","sentiment_score":0.006884867325425148},{"text":"And of at the moment, while you're on work cover, you won't be able to do any any savings that you were possibly doing.","start":449.64502,"end":457.26,"sentiment":"neutral","sentiment_score":-0.21373666000242034},{"text":"Yeah.","start":459.56,"end":460.06,"sentiment":"negative","sentiment_score":-0.36420953273773193}],"sentiment":"neutral","sentiment_score":-0.19589043907555087,"num_words":28,"start":444.20502,"end":460.06},{"sentences":[{"text":"Yeah.","start":465.48,"end":465.705,"sentiment":"negative","sentiment_score":-0.34018421173095703},{"text":"Yeah.","start":469.465,"end":469.965,"sentiment":"neutral","sentiment_score":-0.1260715126991272},{"text":"No.","start":470.425,"end":470.745,"sentiment":"neutral","sentiment_score":-0.1789958029985428},{"text":"Of 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no?","start":489.58,"end":490.53998,"sentiment":"neutral","sentiment_score":-0.12024014443159103},{"text":"Okay.","start":490.53998,"end":490.86,"sentiment":"neutral","sentiment_score":-0.05415201187133789}],"sentiment":"neutral","sentiment_score":0.03557529143290594,"num_words":32,"start":475.38498,"end":490.86},{"sentences":[{"text":"Do you get a little bit more?","start":490.86,"end":492.24,"sentiment":"neutral","sentiment_score":-0.08554244680064065},{"text":"No.","start":494.37997,"end":494.62,"sentiment":"neutral","sentiment_score":-0.15407824516296387},{"text":"Sorry.","start":494.62,"end":494.94,"sentiment":"neutral","sentiment_score":-0.11344671994447708},{"text":"For your super, just normally with your your normal employment.","start":494.94,"end":499.935,"sentiment":"neutral","sentiment_score":-0.08774439245462418},{"text":"So, again, moving away from work cover, do you usually the 12%?","start":500.635,"end":506.175,"sentiment":"neutral","sentiment_score":-0.0683779480556647}],"sentiment":"neutral","sentiment_score":-0.08271939980406914,"num_words":31,"start":490.86,"end":506.175},{"sentences":[{"text":"And I know Yeah.","start":507.355,"end":508.635,"sentiment":"neutral","sentiment_score":-0.025590999983251095},{"text":"Yeah.","start":508.635,"end":508.875,"sentiment":"neutral","sentiment_score":-0.008987495675683022},{"text":"Do a little bit of.","start":508.875,"end":510.01498,"sentiment":"neutral","sentiment_score":-0.031203173846006394},{"text":"Yeah.","start":511.97998,"end":512.3,"sentiment":"neutral","sentiment_score":0.005590633489191532},{"text":"Well, you can is that amount still 160 per fortnight?","start":512.3,"end":518.0,"sentiment":"neutral","sentiment_score":-0.010746047832071781}],"sentiment":"neutral","sentiment_score":-0.017582724270011698,"num_words":21,"start":507.355,"end":518.0},{"sentences":[{"text":"Do you think you'll continue that while on work cover?","start":519.82,"end":522.24,"sentiment":"neutral","sentiment_score":-0.04229282848536968},{"text":"Yeah.","start":533.675,"end":534.175,"sentiment":"neutral","sentiment_score":-0.1232580542564392},{"text":"Yeah.","start":544.08,"end":544.56,"sentiment":"neutral","sentiment_score":-0.1505376696586609},{"text":"Okay.","start":544.56,"end":545.06,"sentiment":"neutral","sentiment_score":-0.15806546807289124},{"text":"Okay.","start":546.08,"end":546.58,"sentiment":"neutral","sentiment_score":-0.02870844304561615}],"sentiment":"neutral","sentiment_score":-0.0631069942776646,"num_words":14,"start":519.82,"end":546.58},{"sentences":[{"text":"I'm just gonna make note of that 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doctor.","start":564.42,"end":571.38,"sentiment":"neutral","sentiment_score":0.2379005946792089},{"text":"Or even on Friday, I'll just touch in and see how you went, and we can have a look at things from there.","start":571.38,"end":577.88,"sentiment":"neutral","sentiment_score":0.15287896018961203},{"text":"We have your assets as your Mazda CX three.","start":581.09503,"end":586.935,"sentiment":"neutral","sentiment_score":0.07226703357365397},{"text":"Is that still current?","start":586.935,"end":588.315,"sentiment":"neutral","sentiment_score":0.06586713436990976}],"sentiment":"neutral","sentiment_score":0.16771976697066474,"num_words":63,"start":563.59503,"end":588.315},{"sentences":[{"text":"And we've got that valued at about 43,000.","start":589.655,"end":592.475,"sentiment":"neutral","sentiment_score":0.0636883694678545},{"text":"And I yep.","start":593.24,"end":594.94,"sentiment":"neutral","sentiment_score":0.05440192545453707},{"text":"And the it's under a novated 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all?","start":605.24,"end":608.745,"sentiment":"neutral","sentiment_score":-0.033765175752341746},{"text":"Yes.","start":613.20496,"end":613.70496,"sentiment":"neutral","sentiment_score":0.026308035477995872},{"text":"Yes.","start":622.00494,"end":622.485,"sentiment":"neutral","sentiment_score":0.015583399683237076},{"text":"Yes.","start":622.485,"end":622.985,"sentiment":"neutral","sentiment_score":0.026505999267101288},{"text":"Yep.","start":623.27997,"end":623.77997,"sentiment":"neutral","sentiment_score":0.0359911248087883}],"sentiment":"neutral","sentiment_score":-0.01666165702044964,"num_words":14,"start":605.24,"end":623.77997},{"sentences":[{"text":"Okay.","start":627.36,"end":627.86,"sentiment":"neutral","sentiment_score":0.028040850535035133},{"text":"I might send an email for that just to get that information post our meeting, if that's okay.","start":629.36,"end":637.22,"sentiment":"neutral","sentiment_score":0.05344444347752465},{"text":"Alright.","start":638.24,"end":638.655,"sentiment":"neutral","sentiment_score":0.20115908980369568},{"text":"Beautiful.","start":638.815,"end":639.315,"sentiment":"positive","sentiment_score":0.4157068133354187},{"text":"I also have a personal loan here of consolidated debt for 18,000.","start":640.815,"end":644.895,"sentiment":"neutral","sentiment_score":0.1343105978642901}],"sentiment":"neutral","sentiment_score":0.0975343609285174,"num_words":33,"start":627.36,"end":644.895},{"sentences":[{"text":"Is that still current?","start":644.895,"end":646.11505,"sentiment":"neutral","sentiment_score":0.06313268654048443},{"text":"Still 18?","start":648.335,"end":649.23505,"sentiment":"neutral","sentiment_score":0.015399602707475424},{"text":"Twelve.","start":653.375,"end":653.7,"sentiment":"neutral","sentiment_score":0.04375343769788742},{"text":"Beautiful.","start":653.94,"end":654.44,"sentiment":"neutral","sentiment_score":0.2660079002380371},{"text":"And we had an asset here of coin spot.","start":655.54004,"end":658.52,"sentiment":"neutral","sentiment_score":0.07167606221304999}],"sentiment":"neutral","sentiment_score":0.07283387349589783,"num_words":17,"start":644.895,"end":658.52},{"sentences":[{"text":"Is that still current?","start":659.78,"end":660.92,"sentiment":"neutral","sentiment_score":0.019499935442581773},{"text":"Oh, no.","start":662.58,"end":662.98004,"sentiment":"neutral","sentiment_score":-0.13255610316991806},{"text":"That's okay.","start":662.98004,"end":663.54004,"sentiment":"neutral","sentiment_score":-0.14037471264600754},{"text":"My 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that question.","start":699.925,"end":701.46497,"sentiment":"neutral","sentiment_score":-0.17734085954725742},{"text":"Yeah.","start":704.08496,"end":704.34,"sentiment":"neutral","sentiment_score":-0.02731223776936531},{"text":"Okay.","start":707.94,"end":708.44,"sentiment":"neutral","sentiment_score":-0.028562601655721664},{"text":"And that's all been cleared?","start":708.66003,"end":710.92004,"sentiment":"neutral","sentiment_score":-0.028695684298872946},{"text":"Okay.","start":712.82,"end":713.32,"sentiment":"neutral","sentiment_score":0.16443563997745514}],"sentiment":"neutral","sentiment_score":-0.0908527810825035,"num_words":16,"start":699.925,"end":713.32},{"sentences":[{"text":"Beautiful.","start":713.38,"end":713.88,"sentiment":"neutral","sentiment_score":0.2919134199619293},{"text":"Alright.","start":715.14,"end":715.64,"sentiment":"neutral","sentiment_score":0.0928024873137474},{"text":"And are you a 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with?","start":732.785,"end":736.97,"sentiment":"neutral","sentiment_score":-0.0018199367138246696},{"text":"Rupert.","start":736.97,"end":737.47,"sentiment":"neutral","sentiment_score":0.1868906170129776}],"sentiment":"neutral","sentiment_score":-0.006507671088911593,"num_words":12,"start":728.70496,"end":737.47},{"sentences":[{"text":"Lovely.","start":737.93,"end":738.43,"sentiment":"positive","sentiment_score":0.5394548177719116},{"text":"And for significant health injury health issues or injuries, I've just put your ankle surgery here.","start":740.08997,"end":746.72504,"sentiment":"neutral","sentiment_score":0.08001819043420255},{"text":"Is there anything else that you can think of?","start":746.72504,"end":748.985,"sentiment":"neutral","sentiment_score":0.10577423539426592},{"text":"No.","start":750.565,"end":751.045,"sentiment":"neutral","sentiment_score":0.02259371802210808},{"text":"No worries at 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all?","start":760.41,"end":762.02997,"sentiment":"neutral","sentiment_score":-0.03760040489335855},{"text":"No?","start":763.20996,"end":763.70996,"sentiment":"neutral","sentiment_score":-0.01737607829272747},{"text":"Okay.","start":763.76996,"end":764.26996,"sentiment":"neutral","sentiment_score":0.04766182228922844},{"text":"Alright.","start":767.61,"end":768.11,"sentiment":"neutral","sentiment_score":0.09650607407093048}],"sentiment":"neutral","sentiment_score":-0.019942513853311538,"num_words":30,"start":754.085,"end":768.11},{"sentences":[{"text":"Okay.","start":770.57,"end":771.07,"sentiment":"neutral","sentiment_score":0.0861324816942215},{"text":"With your approach to risk, so your investment risk, we currently have you as a growth investor.","start":772.08997,"end":779.695,"sentiment":"neutral","sentiment_score":0.07464956141570035},{"text":"So that that means typically that you'd be exposed to allocation of roughly 80% of your funds to growth assets being shares, both international and Australian, property, and then 20% to defensive type assets being cash, term deposits, fixed interest.","start":779.755,"end":797.87,"sentiment":"neutral","sentiment_score":0.0519454775378108},{"text":"I've looked at both your hub 24 and your q super and your your asset allocation sitting just above the 80% mark for a growth asset with q super being a 2% ours being about 84%.","start":799.61,"end":817.94,"sentiment":"neutral","sentiment_score":0.09565015323460102},{"text":"So we can look at rebalancing that back down.","start":817.94,"end":820.5,"sentiment":"neutral","sentiment_score":0.09997967216703627}],"sentiment":"neutral","sentiment_score":0.07549724944876236,"num_words":103,"start":770.57,"end":820.5},{"sentences":[{"text":"But before we did, I just wanted to make sure run through our risk profile questionnaire with you just to make sure that you're comfortable with that, a growth risk profile.","start":820.5,"end":830.68,"sentiment":"neutral","sentiment_score":0.05826624446818905},{"text":"So just the questions are is, what is the most aggressive investment you have ever made?","start":831.52496,"end":836.00494,"sentiment":"neutral","sentiment_score":0.019903273787349463},{"text":"Direct shares, managed funds, an investment property, your own home, or a high interest bank account?","start":836.00494,"end":842.02496,"sentiment":"neutral","sentiment_score":0.012812263506930321},{"text":"Yeah.","start":846.64496,"end":846.81,"sentiment":"neutral","sentiment_score":0.021961184218525887},{"text":"So in your super fund at the moment, you've got managed funds.","start":847.93,"end":851.15,"sentiment":"neutral","sentiment_score":0.023003991693258286}],"sentiment":"neutral","sentiment_score":0.03457514815473635,"num_words":76,"start":820.5,"end":851.15},{"sentences":[{"text":"So that would be probably appropriate.","start":852.81,"end":855.71,"sentiment":"neutral","sentiment_score":0.08390087882677714},{"text":"Would you agree that that's the most aggressive that you've made?","start":855.85,"end":860.99,"sentiment":"neutral","sentiment_score":0.06838456270369617},{"text":"Yeah.","start":862.33,"end":862.785,"sentiment":"neutral","sentiment_score":-0.034928031265735626},{"text":"Sorry.","start":863.26495,"end":863.425,"sentiment":"neutral","sentiment_score":-0.10775405168533324},{"text":"Some of these questions are a little difficult at times.","start":863.425,"end":865.845,"sentiment":"neutral","sentiment_score":-0.22516720741987228}],"sentiment":"neutral","sentiment_score":-0.039266161877533484,"num_words":29,"start":852.81,"end":865.845},{"sentences":[{"text":"That's okay.","start":868.225,"end":869.125,"sentiment":"neutral","sentiment_score":-0.033311087638139725},{"text":"I wanted to check with you because this will help me answer my question.","start":871.425,"end":874.805,"sentiment":"neutral","sentiment_score":0.029933749032872065},{"text":"The next question, your intended retirement age, is that still 65?","start":874.94495,"end":879.74,"sentiment":"neutral","sentiment_score":-0.057275613261894745},{"text":"Okay.","start":885.96,"end":886.46,"sentiment":"neutral","sentiment_score":-0.037957120686769485},{"text":"So 60 if we if we look at 65 even, that's about nine years away at the present moment.","start":886.92,"end":895.065,"sentiment":"neutral","sentiment_score":-0.09705315098950737}],"sentiment":"neutral","sentiment_score":-0.04594783881243239,"num_words":47,"start":868.225,"end":895.065},{"sentences":[{"text":"So one of the questions is once our investments have been placed, how long would it be before you would need to access them?","start":895.44495,"end":901.625,"sentiment":"neutral","sentiment_score":-0.027797465833524864},{"text":"If your intended retirement was 65, we would say that's twenty seven and nine years.","start":901.925,"end":909.83,"sentiment":"neutral","sentiment_score":-0.029683259750405946},{"text":"Do you think that's correct?","start":910.93,"end":912.23004,"sentiment":"neutral","sentiment_score":0.05727431103587151},{"text":"Yes.","start":913.33,"end":913.73004,"sentiment":"neutral","sentiment_score":0.19724056124687195},{"text":"Beautiful.","start":913.73004,"end":914.23004,"sentiment":"positive","sentiment_score":0.38923799991607666}],"sentiment":"neutral","sentiment_score":-0.005207346954747387,"num_words":46,"start":895.44495,"end":914.23004},{"sentences":[{"text":"Another question.","start":918.13,"end":918.95,"sentiment":"neutral","sentiment_score":0.14501123130321503},{"text":"This one's more about your feelings.","start":920.175,"end":921.775,"sentiment":"neutral","sentiment_score":-0.01781630702316761},{"text":"No wrong or right answer.","start":921.775,"end":923.15497,"sentiment":"neutral","sentiment_score":-0.17288377583026887},{"text":"How would you feel if within a six month period your portfolio decreased by 20% just due to the general trends in the financial market?","start":923.775,"end":931.6291,"sentiment":"neutral","sentiment_score":-0.24473868638277055},{"text":"So you would have seen your portfolio fluctuate over the years that you've had it.","start":931.6291,"end":932.22,"sentiment":"neutral","sentiment_score":-0.1593270868062973}],"sentiment":"neutral","sentiment_score":-0.17338995698769138,"num_words":53,"start":918.13,"end":932.22},{"sentences":[{"text":"Option and stop avoid future losses?","start":941.33997,"end":942.94995,"sentiment":"neutral","sentiment_score":-0.027585016563534737},{"text":"What option and stop avoid future losses?","start":942.94995,"end":948.945,"sentiment":"neutral","sentiment_score":-0.018509048968553543},{"text":"What do you think your reaction would be?","start":948.945,"end":952.165,"sentiment":"neutral","sentiment_score":-0.021731718443334103},{"text":"Yeah.","start":956.945,"end":957.445,"sentiment":"neutral","sentiment_score":-0.10456526279449464},{"text":"Previously, you answered hold and wait.","start":958.305,"end":960.49,"sentiment":"neutral","sentiment_score":-0.10895934452613194}],"sentiment":"neutral","sentiment_score":-0.04383030427353723,"num_words":28,"start":941.33997,"end":960.49},{"sentences":[{"text":"So are you comfortable to keep that there?","start":960.49,"end":962.51,"sentiment":"neutral","sentiment_score":-0.1119364807382226},{"text":"Yeah.","start":966.08997,"end":966.57,"sentiment":"neutral","sentiment_score":0.0274027269333601},{"text":"Okay.","start":966.57,"end":967.07,"sentiment":"neutral","sentiment_score":0.04601136967539787},{"text":"And being a growth investor, the return for a growth investor is typically between the seven to 9% return per annum.","start":968.08997,"end":982.59503,"sentiment":"neutral","sentiment_score":0.05077560529822395},{"text":"Would you is that what you would expect?","start":983.615,"end":985.715,"sentiment":"neutral","sentiment_score":0.025701437145471573}],"sentiment":"neutral","sentiment_score":0.011533883567421865,"num_words":39,"start":960.49,"end":985.715},{"sentences":[{"text":"Or would you?","start":987.455,"end":988.35504,"sentiment":"neutral","sentiment_score":-0.08973308155934016},{"text":"Yeah.","start":989.29504,"end":989.695,"sentiment":"neutral","sentiment_score":-0.030627580359578133},{"text":"No.","start":989.695,"end":989.85504,"sentiment":"neutral","sentiment_score":-0.07836491614580154},{"text":"That's okay.","start":989.85504,"end":990.45,"sentiment":"neutral","sentiment_score":-0.03444540873169899},{"text":"Okay.","start":992.93,"end":993.43,"sentiment":"neutral","sentiment_score":-0.0982845276594162}],"sentiment":"neutral","sentiment_score":-0.06817088578827679,"num_words":8,"start":987.455,"end":993.43},{"sentences":[{"text":"Well, last last time, you had between four to 6%.","start":993.65,"end":999.73004,"sentiment":"neutral","sentiment_score":-0.04477304443717003},{"text":"Is that what you would continue to expect?","start":999.73004,"end":1001.83,"sentiment":"neutral","sentiment_score":-0.036271782126277685},{"text":"Okay.","start":1006.385,"end":1006.545,"sentiment":"neutral","sentiment_score":-0.028930382803082463},{"text":"That's fine, Sharon.","start":1006.545,"end":1007.665,"sentiment":"neutral","sentiment_score":0.05898371711373329},{"text":"Thank you.","start":1007.665,"end":1008.405,"sentiment":"neutral","sentiment_score":-0.05669262260198593}],"sentiment":"neutral","sentiment_score":-0.029302882418657344,"num_words":24,"start":993.65,"end":1008.405},{"sentences":[{"text":"Yeah.","start":1008.945,"end":1009.445,"sentiment":"neutral","sentiment_score":-0.1366463303565979},{"text":"Yeah.","start":1015.265,"end":1015.765,"sentiment":"neutral","sentiment_score":-0.045923128724098206},{"text":"Yeah.","start":1015.985,"end":1016.145,"sentiment":"neutral","sentiment_score":-0.03678282722830773},{"text":"No.","start":1016.145,"end":1016.385,"sentiment":"neutral","sentiment_score":-0.06572321057319641},{"text":"Of course, I can probably ask these questions in a different way as we work through the review if you like.","start":1016.385,"end":1021.95996,"sentiment":"neutral","sentiment_score":-0.02373857849410602}],"sentiment":"neutral","sentiment_score":-0.03134342581033707,"num_words":25,"start":1008.945,"end":1021.95996},{"sentences":[{"text":"Does that sound okay?","start":1023.3,"end":1024.52,"sentiment":"neutral","sentiment_score":0.03464707359671593},{"text":"Yeah.","start":1025.7,"end":1026.2,"sentiment":"neutral","sentiment_score":0.06525619328022003},{"text":"No worries.","start":1026.34,"end":1027.08,"sentiment":"neutral","sentiment_score":0.08980434015393257},{"text":"And then I just wanna pivot back quickly to your goals and objectives just to check what they were last time and make sure that we're they're still appropriate or they might have changed.","start":1028.66,"end":1037.385,"sentiment":"neutral","sentiment_score":0.05767689568593221},{"text":"So with your superannuation, your previous goal was to consolidate and manage your super more effectively.","start":1038.085,"end":1044.505,"sentiment":"neutral","sentiment_score":0.08630138356238604}],"sentiment":"neutral","sentiment_score":0.06535596067183896,"num_words":57,"start":1023.3,"end":1044.505},{"sentences":[{"text":"Is that still applicable?","start":1046.405,"end":1048.46,"sentiment":"neutral","sentiment_score":0.06391977332532406},{"text":"Yeah.","start":1051.0,"end":1051.5,"sentiment":"neutral","sentiment_score":0.023722993209958076},{"text":"I know from our conversation last week, you also wanted to look at there was some concern you had with the q super not being rolled over and there was a larger balance.","start":1052.04,"end":1063.785,"sentiment":"neutral","sentiment_score":-0.11413593635414586},{"text":"So I do have that to discuss with you and the returns as comparable as best as I can.","start":1063.785,"end":1070.285,"sentiment":"neutral","sentiment_score":0.07304917628827848},{"text":"But would one of them be to get the would your goal also post this review be to ensure that the 10,000 remains in q super and we get the funds rolled over to your funds?","start":1070.665,"end":1081.5,"sentiment":"neutral","sentiment_score":0.013886287704937987}],"sentiment":"neutral","sentiment_score":-0.017196162433553767,"num_words":93,"start":1046.405,"end":1081.5},{"sentences":[{"text":"Mhmm.","start":1086.215,"end":1086.715,"sentiment":"neutral","sentiment_score":-0.006032142788171768},{"text":"Yep.","start":1096.055,"end":1096.555,"sentiment":"neutral","sentiment_score":0.08986571431159973},{"text":"Yep.","start":1099.255,"end":1099.755,"sentiment":"neutral","sentiment_score":0.06140800938010216},{"text":"Alright.","start":1100.215,"end":1100.715,"sentiment":"neutral","sentiment_score":0.2047373503446579},{"text":"Let's I've got that definite I've got all those figures there definitely to go over with you.","start":1100.855,"end":1105.64,"sentiment":"neutral","sentiment_score":0.23172551919432247}],"sentiment":"neutral","sentiment_score":0.20425298845484144,"num_words":21,"start":1086.215,"end":1105.64},{"sentences":[{"text":"So because I do remember from our chat last week that that was something that we definitely needed to talk about.","start":1105.64,"end":1110.86,"sentiment":"neutral","sentiment_score":0.06284917855546587},{"text":"So I'll pivot to that in a moment.","start":1113.32,"end":1115.34,"sentiment":"neutral","sentiment_score":0.16029629111289978},{"text":"I'll just finish off the goals.","start":1116.465,"end":1118.1649,"sentiment":"neutral","sentiment_score":0.2128446251153946},{"text":"Another one was that you would want to purchase your own your own home and get out of the rental market.","start":1118.385,"end":1123.4249,"sentiment":"neutral","sentiment_score":0.044690066327651344},{"text":"Is that still something that no.","start":1123.4249,"end":1126.645,"sentiment":"neutral","sentiment_score":-0.27542045960823697}],"sentiment":"neutral","sentiment_score":0.051052249427283966,"num_words":62,"start":1105.64,"end":1126.645},{"sentences":[{"text":"Okay.","start":1127.345,"end":1127.845,"sentiment":"neutral","sentiment_score":-0.07493934035301208},{"text":"And when at retirement at the age of 65, you had mentioned that you'd need about a thousand dollars per week in income.","start":1130.0499,"end":1137.1699,"sentiment":"neutral","sentiment_score":-0.07483268043269282},{"text":"Would that be appropriate, or would it be more?","start":1137.1699,"end":1139.4299,"sentiment":"neutral","sentiment_score":-0.10197399432460467},{"text":"Yeah.","start":1142.1299,"end":1142.505,"sentiment":"neutral","sentiment_score":-0.03301173448562622},{"text":"Do you have any idea?","start":1142.745,"end":1144.125,"sentiment":"neutral","sentiment_score":-0.05624823346734047}],"sentiment":"neutral","sentiment_score":-0.07764384207817224,"num_words":39,"start":1127.345,"end":1144.125},{"sentences":[{"text":"Yes.","start":1148.105,"end":1148.605,"sentiment":"neutral","sentiment_score":-0.06347508728504181},{"text":"Yep.","start":1148.745,"end":1149.245,"sentiment":"neutral","sentiment_score":-0.047335416078567505},{"text":"Yep.","start":1149.625,"end":1150.125,"sentiment":"neutral","sentiment_score":-0.04265819489955902},{"text":"Yeah.","start":1156.345,"end":1156.845,"sentiment":"neutral","sentiment_score":-0.13158059120178223},{"text":"No.","start":1159.83,"end":1160.33,"sentiment":"neutral","sentiment_score":-0.2325545996427536}],"sentiment":"neutral","sentiment_score":-0.10352077782154083,"num_words":5,"start":1148.105,"end":1160.33},{"sentences":[{"text":"No.","start":1160.3899,"end":1160.8899,"sentiment":"neutral","sentiment_score":-0.1913276314735413},{"text":"Oh, okay.","start":1161.6699,"end":1162.49,"sentiment":"neutral","sentiment_score":-0.10816244035959244},{"text":"Do you know outside of rent what your other expenses are?","start":1162.95,"end":1167.21,"sentiment":"neutral","sentiment_score":-0.09889647771011699},{"text":"So it and that's after all your the if you were debt free.","start":1167.99,"end":1186.73,"sentiment":"neutral","sentiment_score":-0.09788138820574833},{"text":"Okay.","start":1186.73,"end":1187.23,"sentiment":"neutral","sentiment_score":0.05034524574875832}],"sentiment":"neutral","sentiment_score":-0.09705809171178512,"num_words":28,"start":1160.3899,"end":1187.23},{"sentences":[{"text":"Alright.","start":1187.37,"end":1187.85,"sentiment":"neutral","sentiment_score":0.1972825527191162},{"text":"Beautiful.","start":1187.85,"end":1188.35,"sentiment":"neutral","sentiment_score":0.028992967680096623},{"text":"Okay.","start":1195.85,"end":1196.35,"sentiment":"neutral","sentiment_score":0.018384689465165135},{"text":"Much do you have in your Afterpay debt wise?","start":1197.295,"end":1200.355,"sentiment":"neutral","sentiment_score":0.006590159920354684},{"text":"Oh, beautiful.","start":1203.535,"end":1204.355,"sentiment":"neutral","sentiment_score":0.2652539871633053}],"sentiment":"neutral","sentiment_score":0.05960568739101291,"num_words":14,"start":1187.37,"end":1204.355},{"sentences":[{"text":"Yep.","start":1204.735,"end":1205.235,"sentiment":"neutral","sentiment_score":0.1777046173810959},{"text":"Nice.","start":1206.335,"end":1206.8151,"sentiment":"positive","sentiment_score":0.5694242119789124},{"text":"That's fine.","start":1206.8151,"end":1207.295,"sentiment":"positive","sentiment_score":0.46880659461021423},{"text":"That's fine.","start":1207.295,"end":1207.775,"sentiment":"positive","sentiment_score":0.41427066922187805},{"text":"That's fine.","start":1207.775,"end":1208.435,"sentiment":"positive","sentiment_score":0.33682844042778015}],"sentiment":"positive","sentiment_score":0.39836752973496914,"num_words":8,"start":1204.735,"end":1208.435},{"sentences":[{"text":"Did you want to look at a plan to pay off the debts that you do have quicker, or or are you happy to manage that yourself?","start":1208.575,"end":1217.83,"sentiment":"neutral","sentiment_score":0.037234945981590835},{"text":"Yes.","start":1223.25,"end":1223.75,"sentiment":"neutral","sentiment_score":-0.09888380020856856},{"text":"Yep.","start":1229.945,"end":1230.2649,"sentiment":"neutral","sentiment_score":0.022681785747408867},{"text":"Yeah.","start":1230.2649,"end":1230.7649,"sentiment":"neutral","sentiment_score":0.054917044937610626},{"text":"Yep.","start":1230.9049,"end":1231.3049,"sentiment":"neutral","sentiment_score":0.08093928545713425}],"sentiment":"neutral","sentiment_score":0.034354769594727025,"num_words":31,"start":1208.575,"end":1231.3049},{"sentences":[{"text":"That's okay.","start":1231.3049,"end":1232.0449,"sentiment":"neutral","sentiment_score":0.1903010532259941},{"text":"So maybe we could look at a when you're back at work, potentially, we could look at a a cash flow analysis and help you see if we can help you achieve that goal of being completely debt free by retirement.","start":1232.345,"end":1251.23,"sentiment":"neutral","sentiment_score":0.20735935866832733},{"text":"And it doesn't it doesn't when we say, you know, accelerate your repayment of debt, it doesn't have to be, like, over a two year period.","start":1252.0901,"end":1260.645,"sentiment":"neutral","sentiment_score":0.023290199227631092},{"text":"For example, the the personal loan could have a five year term remaining on it, and we might be able to bring that down to three years if we increase it slightly.","start":1261.265,"end":1269.345,"sentiment":"neutral","sentiment_score":0.04651079827453941},{"text":"So we can have a look at those things, but we'll wait till you're in a position to actually do that and you're off work cover and you've caught up a little bit before we do that.","start":1269.345,"end":1281.0901,"sentiment":"neutral","sentiment_score":-0.005568996713672941}],"sentiment":"neutral","sentiment_score":0.07804473665326941,"num_words":138,"start":1231.3049,"end":1281.0901},{"sentences":[{"text":"Yeah.","start":1290.5249,"end":1291.0249,"sentiment":"neutral","sentiment_score":0.027826577425003052},{"text":"Okay.","start":1291.245,"end":1291.6449,"sentiment":"neutral","sentiment_score":0.033330146223306656},{"text":"And that's next September.","start":1291.6449,"end":1292.945,"sentiment":"neutral","sentiment_score":0.023371608462184668},{"text":"Beautiful.","start":1294.9249,"end":1295.4249,"sentiment":"neutral","sentiment_score":0.2355165183544159},{"text":"Balloon payment?","start":1307.26,"end":1308.045,"sentiment":"neutral","sentiment_score":-0.003987630130723119}],"sentiment":"neutral","sentiment_score":0.04246493506555756,"num_words":9,"start":1290.5249,"end":1308.045},{"sentences":[{"text":"Yep.","start":1309.805,"end":1310.305,"sentiment":"neutral","sentiment_score":0.010321666486561298},{"text":"Okay.","start":1315.9651,"end":1316.4651,"sentiment":"neutral","sentiment_score":0.025178950279951096},{"text":"Well, we could maybe what we could maybe do is look at that then in September next year and see what we can what plan we can come up with to help you achieve that.","start":1317.485,"end":1329.4199,"sentiment":"neutral","sentiment_score":0.2648687799594232},{"text":"Yep.","start":1334.84,"end":1335.135,"sentiment":"neutral","sentiment_score":-0.0969574972987175},{"text":"Yep.","start":1339.215,"end":1339.715,"sentiment":"neutral","sentiment_score":-0.1540604829788208}],"sentiment":"neutral","sentiment_score":0.23217666500176376,"num_words":39,"start":1309.805,"end":1339.715},{"sentences":[{"text":"Yep.","start":1341.615,"end":1342.115,"sentiment":"neutral","sentiment_score":-0.008294522762298584},{"text":"Okay.","start":1343.055,"end":1343.555,"sentiment":"neutral","sentiment_score":0.17841026186943054},{"text":"Alright.","start":1345.215,"end":1345.6951,"sentiment":"positive","sentiment_score":0.474362850189209},{"text":"Beautiful.","start":1345.6951,"end":1346.1951,"sentiment":"positive","sentiment_score":0.7019453644752502},{"text":"So what I'm gonna do is just put a a goal here that maybe next September, we so next review, we talk about the cash flow and see if we can help you get that debt paid down a little quicker.","start":1346.335,"end":1357.6799,"sentiment":"positive","sentiment_score":0.4932438069727363}],"sentiment":"positive","sentiment_score":0.4793204453256395,"num_words":45,"start":1341.615,"end":1357.6799},{"sentences":[{"text":"But there's no significant need right now given your current situation with your health and no no clear path as to when you're gonna be able to return to work yet.","start":1359.4199,"end":1372.575,"sentiment":"negative","sentiment_score":-0.40417301606747413},{"text":"Okay.","start":1373.835,"end":1374.335,"sentiment":"neutral","sentiment_score":0.07410649210214615},{"text":"So what I'll do now is I'll just pivot over to the documents, which you'll be able to review post our phone call.","start":1378.7949,"end":1386.3099,"sentiment":"neutral","sentiment_score":0.10908628643854805},{"text":"As I mentioned, it will come from OdooSign, and there are a few documents within this.","start":1386.69,"end":1391.6699,"sentiment":"neutral","sentiment_score":0.026622425764799118},{"text":"It will ask you to sign when you're ready, but it won't won't let you sign until you've reviewed all the documents.","start":1392.85,"end":1399.105,"sentiment":"neutral","sentiment_score":-0.06528539506887848}],"sentiment":"neutral","sentiment_score":-0.11781282039980094,"num_words":93,"start":1359.4199,"end":1399.105},{"sentences":[{"text":"So one of the first ones within there is just a summary of your insurances and superannuation.","start":1399.1649,"end":1404.705,"sentiment":"neutral","sentiment_score":0.06542712625335245},{"text":"We've got a hub 24 at about 104,000, and we have q super at about 86,000.","start":1405.1649,"end":1413.74,"sentiment":"neutral","sentiment_score":0.06117976829409599},{"text":"With within q super, you have your life insurance at 57,600 and your TPD at the same amount and an income protection policy of $6,373 with a ninety day wait and a two year benefit period.","start":1414.6,"end":1432.155,"sentiment":"neutral","sentiment_score":0.10629241830772823},{"text":"Yeah?","start":1438.47,"end":1438.97,"sentiment":"neutral","sentiment_score":-0.08269630372524261},{"text":"What what did you try to change it to?","start":1442.7101,"end":1444.89,"sentiment":"neutral","sentiment_score":-0.19592371582984924}],"sentiment":"neutral","sentiment_score":0.05153993356831466,"num_words":79,"start":1399.1649,"end":1444.89},{"sentences":[{"text":"Okay.","start":1447.03,"end":1447.53,"sentiment":"neutral","sentiment_score":-0.11548465490341188},{"text":"To check.","start":1449.0149,"end":1449.595,"sentiment":"neutral","sentiment_score":-0.15898921713232994},{"text":"Yeah.","start":1454.0549,"end":1454.5549,"sentiment":"neutral","sentiment_score":-0.1377144157886505},{"text":"Yep.","start":1454.695,"end":1455.195,"sentiment":"neutral","sentiment_score":-0.1037564054131508},{"text":"That would increase your premium, but we can help you have a look into that if you like and do some research as to why.","start":1457.4149,"end":1464.32,"sentiment":"neutral","sentiment_score":-0.019325782358646394}],"sentiment":"neutral","sentiment_score":-0.038602615644534426,"num_words":30,"start":1447.03,"end":1464.32},{"sentences":[{"text":"Okay.","start":1465.9,"end":1466.4,"sentiment":"neutral","sentiment_score":0.05180637165904045},{"text":"I will just make a note of that.","start":1467.74,"end":1470.48,"sentiment":"neutral","sentiment_score":0.058019219897687435},{"text":"Okay.","start":1474.94,"end":1475.44,"sentiment":"neutral","sentiment_score":0.0468883141875267},{"text":"So what I'm going to do sorry?","start":1478.435,"end":1486.2151,"sentiment":"neutral","sentiment_score":0.02348765411547252},{"text":"Oh, you're absolutely fine.","start":1488.675,"end":1489.875,"sentiment":"positive","sentiment_score":0.4251661077141762}],"sentiment":"neutral","sentiment_score":0.1156155454615752,"num_words":21,"start":1465.9,"end":1489.875},{"sentences":[{"text":"You're absolutely fine.","start":1489.875,"end":1490.995,"sentiment":"positive","sentiment_score":0.5033267935117086},{"text":"Okay.","start":1490.995,"end":1491.4751,"sentiment":"neutral","sentiment_score":0.1137552261352539},{"text":"So one of the other documents within the review pack as well is the performance of hub twenty four.","start":1491.4751,"end":1498.5599,"sentiment":"neutral","sentiment_score":0.060925278812646866},{"text":"There's two in there, the twelve month and six month period.","start":1498.5599,"end":1501.94,"sentiment":"neutral","sentiment_score":0.02112052454189821},{"text":"The twelve month period is from yesterday through to twelve months ago, and the annualized return was 4.5.","start":1503.5199,"end":1511.275,"sentiment":"neutral","sentiment_score":0.03676024234543244}],"sentiment":"neutral","sentiment_score":0.07067934685171796,"num_words":52,"start":1489.875,"end":1511.275},{"sentences":[{"text":"Yes.","start":1513.415,"end":1513.895,"sentiment":"neutral","sentiment_score":0.08132737874984741},{"text":"So lower than your two super, definitely.","start":1513.895,"end":1517.275,"sentiment":"neutral","sentiment_score":-0.01991168569241251},{"text":"And the the main reason being is we've had a fund in there called the Benelon concentrated Australian equities fund.","start":1518.11,"end":1526.37,"sentiment":"neutral","sentiment_score":0.018916051369160414},{"text":"That fund has been reviewed by our investment committee.","start":1526.75,"end":1531.65,"sentiment":"neutral","sentiment_score":0.03199079136053721},{"text":"And it's not that the Australian share market has performed badly.","start":1532.195,"end":1536.855,"sentiment":"neutral","sentiment_score":-0.09251754684373736}],"sentiment":"neutral","sentiment_score":-0.008531443473960584,"num_words":48,"start":1513.415,"end":1536.855},{"sentences":[{"text":"It's more the approach that the investment manager has taken.","start":1537.315,"end":1541.015,"sentiment":"neutral","sentiment_score":0.0078573701903224},{"text":"So rather than being invested in, say, the bank the the bank stock, for example, which have performed quite well, their their investment philosophy is is that they chase under undervalued companies that they feel have untapped growth.","start":1541.075,"end":1561.475,"sentiment":"neutral","sentiment_score":0.014996616561946115},{"text":"So their philosophy hasn't really hit the mark in the last twelve plus months.","start":1562.0149,"end":1567.955,"sentiment":"neutral","sentiment_score":-0.02794336261493819},{"text":"So our investment committee has said that we want to look at alternatives for that when we speak with our clients.","start":1568.2549,"end":1575.67,"sentiment":"neutral","sentiment_score":0.026480301150253842},{"text":"So that's the first thing I wanted to tap into is that if you're comfortable for me to look at alternatives for the Bennelong Fund.","start":1576.05,"end":1584.63,"sentiment":"neutral","sentiment_score":0.0709445746243}],"sentiment":"neutral","sentiment_score":0.023953136522322893,"num_words":108,"start":1537.315,"end":1584.63},{"sentences":[{"text":"Beautiful.","start":1586.53,"end":1587.03,"sentiment":"positive","sentiment_score":0.5834848880767822},{"text":"And then looking at the rest of your policy your your policy your portfolio.","start":1587.65,"end":1592.005,"sentiment":"neutral","sentiment_score":0.14619949460029602},{"text":"Sorry.","start":1592.005,"end":1592.505,"sentiment":"neutral","sentiment_score":0.009985517710447311},{"text":"You have a number of ETFs.","start":1592.885,"end":1594.7451,"sentiment":"neutral","sentiment_score":0.005370370578020811},{"text":"So you've got some exposure to the cyber AI type security.","start":1594.9651,"end":1602.905,"sentiment":"neutral","sentiment_score":-0.010070741684599356}],"sentiment":"neutral","sentiment_score":0.07762749682208805,"num_words":33,"start":1586.53,"end":1602.905},{"sentences":[{"text":"Has performed very well in the last twelve months.","start":1603.62,"end":1606.4401,"sentiment":"neutral","sentiment_score":0.16889661053816477},{"text":"Again, that's a bit of a niche market, but also a very popular one at the moment, I'm sure you can imagine.","start":1606.82,"end":1613.24,"sentiment":"neutral","sentiment_score":0.14029315825213085},{"text":"It's we would expect a little bit more volatility with that type of investment given its niche in nature.","start":1613.54,"end":1616.76,"sentiment":"neutral","sentiment_score":-0.07383440170241029},{"text":"Good a good a great diversification across the international shares being Europe, Asia, US, and we've also got some fixed interest assets.","start":1628.9451,"end":1649.635,"sentiment":"neutral","sentiment_score":0.33248360929164017},{"text":"So what in in saying that, I'd probably like to have a look at your portfolio in full and make sure that it is, as I mentioned, it is a little bit hit top heavy on the growth assets, which we would maybe look to rebalance and bring back down to the 80% mark.","start":1650.095,"end":1665.75,"sentiment":"neutral","sentiment_score":0.06529488621486558}],"sentiment":"neutral","sentiment_score":0.11146213177828089,"num_words":126,"start":1603.62,"end":1665.75},{"sentences":[{"text":"But, as long as you're happy for me to do that, I can go and investigate that further.","start":1666.13,"end":1670.79,"sentiment":"neutral","sentiment_score":0.1570901663766967},{"text":"Fantastic.","start":1672.4501,"end":1672.9501,"sentiment":"positive","sentiment_score":0.7451550960540771},{"text":"And then the next document in there is the six months return.","start":1673.8049,"end":1677.2649,"sentiment":"neutral","sentiment_score":0.2496259498099486},{"text":"So we've included that with hub twenty four to just give you further information.","start":1677.4049,"end":1686.465,"sentiment":"neutral","sentiment_score":0.169363443340574},{"text":"So at the moment, at the six month mark, the portfolio is tracking at 3.46%.","start":1686.6849,"end":1693.4,"sentiment":"neutral","sentiment_score":0.1731377492348353}],"sentiment":"neutral","sentiment_score":0.1922740655640761,"num_words":60,"start":1666.13,"end":1693.4},{"sentences":[{"text":"So it's coming back on track, but that's just as an information piece for you.","start":1693.7001,"end":1699.3201,"sentiment":"neutral","sentiment_score":0.22290476858615876},{"text":"Now when we looked at the q super, the statement you sent through to me, thank you for doing that, I noted that you're in the lifetime focus one.","start":1699.865,"end":1711.405,"sentiment":"neutral","sentiment_score":0.1141782102399859},{"text":"So what I did is I went and conducted some research and looked at the return for the 2526.","start":1711.7201,"end":1719.9801,"sentiment":"neutral","sentiment_score":0.02684463237069155},{"text":"So that because they only update it in financial years.","start":1720.1201,"end":1723.8201,"sentiment":"neutral","sentiment_score":0.013216799311339855},{"text":"That was the most recent one.","start":1724.52,"end":1726.4149,"sentiment":"neutral","sentiment_score":0.0043320149804155035}],"sentiment":"neutral","sentiment_score":0.09269554080748105,"num_words":79,"start":1693.7001,"end":1726.4149},{"sentences":[{"text":"So in this scenario, comparing QSuper to hub is difficult because they're not like for like, apples for apples.","start":1726.635,"end":1738.4149,"sentiment":"neutral","sentiment_score":-0.08815500100976542},{"text":"So I've done the best I can.","start":1738.8,"end":1740.5801,"sentiment":"neutral","sentiment_score":0.2097438382250922},{"text":"So the return for q super in the lifetime focus one was 7.89% for the 2526 financial year.","start":1741.2001,"end":1750.5801,"sentiment":"neutral","sentiment_score":0.1885715267724461},{"text":"And what I did with the hub '24, I went and generated a report for that same exact financial year being 2526 so I could compare as close as possible.","start":1750.9451,"end":1761.365,"sentiment":"neutral","sentiment_score":0.13025627806782722},{"text":"The q for one, the only note is that they that's including fees except for the administration fees that are charged.","start":1761.8251,"end":1772.42,"sentiment":"neutral","sentiment_score":-0.030657333809705006}],"sentiment":"neutral","sentiment_score":0.06790982802447519,"num_words":95,"start":1726.635,"end":1772.42},{"sentences":[{"text":"So there is a little bit of fee to be duck deducted from the 7.89%, but not a lot.","start":1773.12,"end":1779.535,"sentiment":"neutral","sentiment_score":-0.05574961192905903},{"text":"The hub '24 return for the same year was 7.67 percent.","start":1779.915,"end":1784.735,"sentiment":"neutral","sentiment_score":0.06173717603087425},{"text":"So it was and that that that's post fee or net of fees, I should say.","start":1784.795,"end":1789.455,"sentiment":"neutral","sentiment_score":-0.0012381012784317131},{"text":"So there is a little bit of a difference.","start":1789.755,"end":1792.015,"sentiment":"neutral","sentiment_score":-0.03465956842733754},{"text":"It's very marginal, but I think that's the impact.","start":1792.23,"end":1796.1699,"sentiment":"neutral","sentiment_score":-0.28435051606761086}],"sentiment":"neutral","sentiment_score":-0.05110990736284293,"num_words":64,"start":1773.12,"end":1796.1699},{"sentences":[{"text":"Well, I know that that's the impact of the Benelon concentrated in Australian equities fund.","start":1796.23,"end":1800.5499,"sentiment":"neutral","sentiment_score":-0.13752014686663946},{"text":"So what part of my plan would be to look at reviewing that and finding a potentially alternative better option as long as it suited your goals and objectives.","start":1800.5499,"end":1810.225,"sentiment":"neutral","sentiment_score":0.04201985972708669},{"text":"So they're tracking very, very close to each other.","start":1810.5249,"end":1814.1449,"sentiment":"neutral","sentiment_score":0.18058441744910347},{"text":"And if we took those fees away from QSuper, I think that would change it, reduce it a little bit more, and that'd be a little bit more aligned.","start":1815.245,"end":1822.945,"sentiment":"neutral","sentiment_score":0.13442325412199416},{"text":"But, yes, I can I did go and do that, and I just guess from that, do you have any questions?","start":1823.2999,"end":1828.28,"sentiment":"neutral","sentiment_score":0.1706024550256275}],"sentiment":"neutral","sentiment_score":0.08021319816702778,"num_words":103,"start":1796.23,"end":1828.28},{"sentences":[{"text":"No?","start":1830.74,"end":1831.24,"sentiment":"neutral","sentiment_score":0.014303255826234818},{"text":"No.","start":1831.54,"end":1831.94,"sentiment":"neutral","sentiment_score":-0.00239795446395874},{"text":"That's okay.","start":1831.94,"end":1832.74,"sentiment":"neutral","sentiment_score":0.21041224896907806},{"text":"I'm I'm glad I could provide you with some peace of mind.","start":1832.74,"end":1835.96,"sentiment":"positive","sentiment_score":0.6385625650485357},{"text":"So I would my action items would be to go and conduct some research and make sure that we review your portfolio.","start":1836.985,"end":1844.125,"sentiment":"neutral","sentiment_score":0.3027348111976277}],"sentiment":"positive","sentiment_score":0.3883064849008071,"num_words":38,"start":1830.74,"end":1844.125},{"sentences":[{"text":"The next document in there is a Vanguard chart.","start":1846.4249,"end":1848.585,"sentiment":"neutral","sentiment_score":0.13711143698957232},{"text":"Now I note you said visually.","start":1848.585,"end":1850.125,"sentiment":"neutral","sentiment_score":0.09930350134770076},{"text":"You like to see things visually.","start":1850.265,"end":1851.46,"sentiment":"neutral","sentiment_score":0.15910082558790842},{"text":"This is a great chart to look at investments wise.","start":1851.46,"end":1854.4,"sentiment":"positive","sentiment_score":0.4716837972402573},{"text":"So it brings it down into different assets.","start":1854.7001,"end":1856.78,"sentiment":"neutral","sentiment_score":0.14876962080597878}],"sentiment":"neutral","sentiment_score":0.22285702136846688,"num_words":39,"start":1846.4249,"end":1856.78},{"sentences":[{"text":"You've got your estranged shares, international shares, property, bonds, cash.","start":1856.78,"end":1861.3601,"sentiment":"neutral","sentiment_score":0.09949259459972382},{"text":"And what it is is it tracks over from 1995 through to 2025.","start":1861.9,"end":1867.075,"sentiment":"neutral","sentiment_score":0.08469855298216526},{"text":"The new one hasn't been released just yet.","start":1867.075,"end":1869.095,"sentiment":"neutral","sentiment_score":0.05454414151608944},{"text":"And it will show you how the different market all the different sectors, sorry, react.","start":1869.475,"end":1876.295,"sentiment":"neutral","sentiment_score":0.09987629552682241},{"text":"So along the top, you'll note that there's some significant events.","start":1876.515,"end":1879.8401,"sentiment":"neutral","sentiment_score":0.03530056554485451}],"sentiment":"neutral","sentiment_score":0.07752299861034803,"num_words":57,"start":1856.78,"end":1879.8401},{"sentences":[{"text":"For example, COVID is in there.","start":1879.8401,"end":1882.8,"sentiment":"neutral","sentiment_score":-0.005230979062616825},{"text":"So if you look at the COVID year, you'll see how the different markets reacted.","start":1882.8,"end":1886.3401,"sentiment":"neutral","sentiment_score":0.03924793178836505},{"text":"And that there is always this volatility of the ups and downs within the market.","start":1886.4,"end":1891.3949,"sentiment":"neutral","sentiment_score":-0.04033238415916761},{"text":"That's something that we can't avoid.","start":1891.3949,"end":1893.015,"sentiment":"neutral","sentiment_score":-0.045401389400164284},{"text":"We just need to make sure that your portfolio is constructed in a manner that you are comfortable with it and that you have the time frame to withstand that volatility.","start":1893.315,"end":1901.975,"sentiment":"neutral","sentiment_score":0.16249034770073428}],"sentiment":"neutral","sentiment_score":0.06461835318334298,"num_words":73,"start":1879.8401,"end":1901.975},{"sentences":[{"text":"So that's a really good document for you to have a look at, especially given you wanted to look at something visual.","start":1903.27,"end":1909.45,"sentiment":"positive","sentiment_score":0.45349363576282153},{"text":"And if you have any questions after that, please just shoot me an email, give me a call, anything.","start":1909.51,"end":1916.09,"sentiment":"neutral","sentiment_score":0.1444352465240579},{"text":"I'm I'm available any time.","start":1916.5499,"end":1920.265,"sentiment":"neutral","sentiment_score":0.04254013225436211},{"text":"The other document within there is our financial services guide.","start":1920.965,"end":1924.245,"sentiment":"neutral","sentiment_score":0.03690348230302334},{"text":"You would have seen this previously.","start":1924.245,"end":1925.865,"sentiment":"neutral","sentiment_score":0.049871730928619705}],"sentiment":"neutral","sentiment_score":0.21938863775182155,"num_words":62,"start":1903.27,"end":1925.865},{"sentences":[{"text":"This explains who we are, where we are located, our our fees.","start":1927.205,"end":1933.59,"sentiment":"neutral","sentiment_score":0.048353870399296284},{"text":"What else does it include?","start":1935.73,"end":1936.95,"sentiment":"neutral","sentiment_score":0.04118017852306366},{"text":"If you're unhappy, how you can go around how you can disclose that disclose that.","start":1937.25,"end":1945.25,"sentiment":"neutral","sentiment_score":-0.20752576986948648},{"text":"And if you're not happy with the services, the the next steps you can take.","start":1945.25,"end":1949.5449,"sentiment":"neutral","sentiment_score":-0.17874971230824788},{"text":"So that that's our financial services guide.","start":1949.765,"end":1952.505,"sentiment":"neutral","sentiment_score":0.01319269064281668}],"sentiment":"neutral","sentiment_score":-0.09103029742147084,"num_words":54,"start":1927.205,"end":1952.505},{"sentences":[{"text":"Sorry.","start":1954.405,"end":1954.645,"sentiment":"neutral","sentiment_score":-0.06198833882808685},{"text":"I'm overloading you with so much information.","start":1954.645,"end":1956.585,"sentiment":"neutral","sentiment_score":-0.2043247308049883},{"text":"Yeah.","start":1962.42,"end":1962.92,"sentiment":"neutral","sentiment_score":-0.17164306342601776},{"text":"Yeah.","start":1967.94,"end":1968.44,"sentiment":"neutral","sentiment_score":-0.15322983264923096},{"text":"Oh, I'm so sorry that you do feel that way.","start":1969.46,"end":1972.745,"sentiment":"negative","sentiment_score":-0.3458162069320679}],"sentiment":"neutral","sentiment_score":-0.2637648209929466,"num_words":20,"start":1954.405,"end":1972.745},{"sentences":[{"text":"I I'm no.","start":1973.4451,"end":1977.305,"sentiment":"neutral","sentiment_score":-0.31399015585581463},{"text":"Yeah.","start":1977.4451,"end":1977.9451,"sentiment":"neutral","sentiment_score":-0.11039654910564424},{"text":"No.","start":1978.5651,"end":1979.0651,"sentiment":"neutral","sentiment_score":-0.2191289514303207},{"text":"Yeah.","start":1979.125,"end":1979.6051,"sentiment":"neutral","sentiment_score":-0.1605926752090454},{"text":"Sharon, I can completely understand that.","start":1979.6051,"end":1981.525,"sentiment":"neutral","sentiment_score":-0.18313494821389517}],"sentiment":"neutral","sentiment_score":-0.21090819438298544,"num_words":12,"start":1973.4451,"end":1981.525},{"sentences":[{"text":"Let me reassure you that that's definitely not my approach.","start":1981.525,"end":1984.985,"sentiment":"negative","sentiment_score":-0.4281547158956528},{"text":"As an adviser.","start":1986.75,"end":1987.55,"sentiment":"neutral","sentiment_score":-0.03581280385454496},{"text":"I've been an adviser for, gosh, a really, really long time now.","start":1987.55,"end":1990.99,"sentiment":"neutral","sentiment_score":-0.007162947828571002},{"text":"And let's just say twenty plus years.","start":1990.99,"end":1996.4501,"sentiment":"neutral","sentiment_score":0.09687166980334691},{"text":"I our approach here at Oakview is making sure that we get the best outcome for clients.","start":1997.9501,"end":2005.685,"sentiment":"neutral","sentiment_score":0.26256297791705413}],"sentiment":"neutral","sentiment_score":0.013606762627557832,"num_words":49,"start":1981.525,"end":2005.685},{"sentences":[{"text":"Not everyone is always in a great financial situation, and I can tell you as well that there have been times where I have been very concerned and stressed financially.","start":2006.625,"end":2016.12,"sentiment":"neutral","sentiment_score":-0.3202751100063324},{"text":"So I do understand that, and I'm really, really sorry you feel that way.","start":2016.66,"end":2020.98,"sentiment":"negative","sentiment_score":-0.47460155189037323},{"text":"And I hope that I can I can try and bring that around so you don't feel that way because what I Yeah?","start":2020.98,"end":2048.4,"sentiment":"neutral","sentiment_score":-0.28222365709750546},{"text":"Yeah.","start":2054.86,"end":2055.165,"sentiment":"neutral","sentiment_score":-0.13059665262699127},{"text":"Yeah.","start":2067.565,"end":2067.885,"sentiment":"neutral","sentiment_score":-0.05001344531774521}],"sentiment":"neutral","sentiment_score":-0.332238104896269,"num_words":69,"start":2006.625,"end":2067.885},{"sentences":[{"text":"Okay.","start":2067.885,"end":2068.26,"sentiment":"neutral","sentiment_score":-0.087229423224926},{"text":"Okay.","start":2078.42,"end":2078.82,"sentiment":"neutral","sentiment_score":-0.07514365017414093},{"text":"Help.","start":2078.82,"end":2079.32,"sentiment":"neutral","sentiment_score":-0.03363671526312828},{"text":"Yeah.","start":2080.98,"end":2081.48,"sentiment":"neutral","sentiment_score":-0.018549827858805656},{"text":"I'm sorry.","start":2081.94,"end":2082.555,"sentiment":"neutral","sentiment_score":-0.10936795920133591}],"sentiment":"neutral","sentiment_score":-0.07221592248727877,"num_words":6,"start":2067.885,"end":2082.555},{"sentences":[{"text":"You're experiencing that.","start":2082.555,"end":2084.015,"sentiment":"neutral","sentiment_score":-0.32888705531756085},{"text":"Yeah.","start":2085.755,"end":2086.255,"sentiment":"neutral","sentiment_score":-0.12259222567081451},{"text":"Yeah.","start":2086.635,"end":2087.135,"sentiment":"neutral","sentiment_score":-0.14402177929878235},{"text":"There's so if when it comes to estates, it's always difficult to navigate, especially when it could help you financially.","start":2087.595,"end":2097.96,"sentiment":"neutral","sentiment_score":-0.23785924948751927},{"text":"Yep.","start":2101.22,"end":2101.72,"sentiment":"neutral","sentiment_score":0.1391807198524475}],"sentiment":"neutral","sentiment_score":-0.2258184400315468,"num_words":26,"start":2082.555,"end":2101.72},{"sentences":[{"text":"Well, if you ever need any guidance in that respect or discussions, please reach out.","start":2102.5,"end":2110.1199,"sentiment":"neutral","sentiment_score":0.15334915220737458},{"text":"And if if I can't help, maybe I might be able to put you on to someone who can.","start":2111.555,"end":2117.9749,"sentiment":"neutral","sentiment_score":0.1407777902327086},{"text":"Okay.","start":2122.4348,"end":2122.74,"sentiment":"neutral","sentiment_score":0.13688477873802185},{"text":"The the other the other documents contained within the review pack is the next couple actually is your ongoing fee arrangement.","start":2124.66,"end":2137.335,"sentiment":"neutral","sentiment_score":0.05560829987128576},{"text":"So if you wanted to continue to be a client of ours and receive advice, it's you I would need you to review this is one of the forms that does need signing electronically is fine in the document sent to you.","start":2137.3948,"end":2150.37,"sentiment":"neutral","sentiment_score":0.09441329858132771}],"sentiment":"neutral","sentiment_score":0.10454115218349866,"num_words":98,"start":2102.5,"end":2150.37},{"sentences":[{"text":"And that fee is a percentage base fee of 1.65% estimated to be $71,710 and 78¢ per annum deducted monthly from your hub twenty four account.","start":2150.37,"end":2166.305,"sentiment":"neutral","sentiment_score":0.06242761477828026},{"text":"So once you've had a chance to review this and make a decision, I'd get I would ask that you sign that, please, and that will come back automatically to us when you do so.","start":2166.605,"end":2180.16,"sentiment":"neutral","sentiment_score":0.1909860725913729},{"text":"Within those documents as well, there's a hub twenty four change of details form.","start":2180.16,"end":2185.1401,"sentiment":"neutral","sentiment_score":0.05554978868791035},{"text":"Now that is to update your new address.","start":2185.76,"end":2188.74,"sentiment":"neutral","sentiment_score":0.07495642034336925},{"text":"We're also gonna have to do a q super one for you also, which we will get to post the our review with a couple of other documents that I've noted that we may need to get from you.","start":2189.12,"end":2202.155,"sentiment":"neutral","sentiment_score":0.04987609606140699}],"sentiment":"neutral","sentiment_score":0.0956009839746085,"num_words":122,"start":2150.37,"end":2202.155},{"sentences":[{"text":"So I I have noted that your you don't have a beneficiary in your q super fund.","start":2202.535,"end":2210.45,"sentiment":"neutral","sentiment_score":-0.13202915077700333},{"text":"So we'll need to yeah.","start":2210.91,"end":2216.1099,"sentiment":"neutral","sentiment_score":-0.09111763536930084},{"text":"So in your q super with the balance with the statement that you sent through to me, I'm just scrolling to that.","start":2216.1099,"end":2222.395,"sentiment":"neutral","sentiment_score":-0.049820733002640984},{"text":"On page four, you don't have a nomination.","start":2222.395,"end":2225.535,"sentiment":"neutral","sentiment_score":-0.16336817294359207},{"text":"So we can definitely help.","start":2226.315,"end":2228.015,"sentiment":"positive","sentiment_score":0.39507806599140166}],"sentiment":"neutral","sentiment_score":-0.05487184069658581,"num_words":57,"start":2202.535,"end":2228.015},{"sentences":[{"text":"Yeah.","start":2229.755,"end":2230.255,"sentiment":"neutral","sentiment_score":0.1534826010465622},{"text":"Yeah.","start":2230.315,"end":2230.635,"sentiment":"neutral","sentiment_score":0.1623113453388214},{"text":"You do on Hub.","start":2230.635,"end":2231.595,"sentiment":"neutral","sentiment_score":0.1414981186389923},{"text":"You do on Hub twenty four, but not with QSuper.","start":2231.595,"end":2234.175,"sentiment":"neutral","sentiment_score":0.10355863533914089},{"text":"So we will make sure that we get that form to you to help you make sure that that's in place.","start":2234.395,"end":2240.45,"sentiment":"neutral","sentiment_score":0.24667476969105856}],"sentiment":"neutral","sentiment_score":0.1918254848066214,"num_words":37,"start":2229.755,"end":2240.45},{"sentences":[{"text":"You have your children noted with us.","start":2243.7898,"end":2246.0298,"sentiment":"neutral","sentiment_score":0.07407212842788015},{"text":"So that's the the next point that I wanted to talk to you about.","start":2246.0298,"end":2249.65,"sentiment":"neutral","sentiment_score":0.11461565217801503},{"text":"How old is Caitlin let's call it tax laws let's call it tax laws that are applicable to beneficiaries of a super fund super fund.","start":2249.95,"end":2273.64,"sentiment":"neutral","sentiment_score":0.05450777642428875},{"text":"So you've got your superannuation relevant tax laws and then the actual tax dependent laws for everybody.","start":2273.64,"end":2282.695,"sentiment":"neutral","sentiment_score":0.05427747636156924},{"text":"Within superannuation, you are unable to nominate adult children as beneficiaries, And, typically, it needs to be the legal personal representative, so that being your will or your estate, should I say.","start":2283.955,"end":2302.8,"sentiment":"neutral","sentiment_score":-0.18980961432680488}],"sentiment":"neutral","sentiment_score":-0.017530232844384094,"num_words":95,"start":2243.7898,"end":2302.8},{"sentences":[{"text":"So we might need to get that updated and also look at the the will situation for you to make sure that that's addressed over time as well, get that in place.","start":2305.98,"end":2319.3252,"sentiment":"neutral","sentiment_score":-0.07004641694948077},{"text":"So what I'll do is I'll look at that.","start":2321.705,"end":2323.28,"sentiment":"neutral","sentiment_score":0.23010989526907602},{"text":"I'll when I send you through the email with all these forms, I'll put a little bit more detail in there to explain it to you so that it's clear.","start":2323.28,"end":2330.4,"sentiment":"neutral","sentiment_score":0.2832334121068319},{"text":"If you have any questions, you can come back to me.","start":2330.4,"end":2332.9,"sentiment":"neutral","sentiment_score":0.18409901721910996},{"text":"And the other item I noted too that we would need to do is update your address, your beneficiaries, is that we would I would just touch base with you in a few weeks oh, sorry, on Friday to see how you went with the the specialist post the surgery and the work, and then also understand a little bit better about your pay slip if you are gonna continue on work cover and how we can help, how we can look at helping, if we can, your deficit that and how long that might be likely to continue.","start":2335.76,"end":2372.245,"sentiment":"neutral","sentiment_score":0.08108204693505258}],"sentiment":"neutral","sentiment_score":0.1015398779791363,"num_words":181,"start":2305.98,"end":2372.245},{"sentences":[{"text":"There are some there are some rules where you may be eligible to access some.","start":2377.985,"end":2384.16,"sentiment":"neutral","sentiment_score":-0.06699017981688181},{"text":"The rules are very, very strict, so we'd need to have a better understanding of what the long term likelihood of you being off work for is, the the financial impact that's gonna occur to you.","start":2384.2998,"end":2400.295,"sentiment":"neutral","sentiment_score":-0.3268789276480675},{"text":"So I think we can definitely look at that as an option once we have a better understanding of your work arrangement moving forward post your specialist appointment.","start":2400.355,"end":2412.2402,"sentiment":"neutral","sentiment_score":0.09778070150475417},{"text":"So I will make that as a note for you that oh, Sharon, I'm so sorry.","start":2414.2202,"end":2422.1602,"sentiment":"neutral","sentiment_score":-0.10755037545459345},{"text":"Yeah.","start":2423.6602,"end":2424.1602,"sentiment":"neutral","sentiment_score":-0.31673184037208557}],"sentiment":"neutral","sentiment_score":-0.1257517947718346,"num_words":96,"start":2377.985,"end":2424.1602},{"sentences":[{"text":"It it is a lot.","start":2424.2202,"end":2425.4849,"sentiment":"negative","sentiment_score":-0.42393580079078674},{"text":"And and being in that period of uncertainty and not knowing about your return to work, that doesn't make things any easier.","start":2425.545,"end":2434.445,"sentiment":"negative","sentiment_score":-0.40738784589550714},{"text":"Yeah.","start":2445.32,"end":2445.82,"sentiment":"neutral","sentiment_score":-0.2335079610347748},{"text":"No.","start":2450.76,"end":2451.08,"sentiment":"neutral","sentiment_score":-0.23265907168388367},{"text":"And and we will do everything within our power to make sure that we help you and stay on track, and you've done so well getting to where you are that I understand that anxiety and the uncertainty that you're facing at the moment.","start":2451.08,"end":2464.045,"sentiment":"neutral","sentiment_score":-0.007785435596650297}],"sentiment":"neutral","sentiment_score":-0.16288955907707345,"num_words":73,"start":2424.2202,"end":2464.045},{"sentences":[{"text":"So my role and our role as a team is to make sure that we help wherever we can and help you make the right decision to ensure that you stay on track and that we can help you in any way.","start":2464.045,"end":2478.68,"sentiment":"neutral","sentiment_score":0.29734809696674347},{"text":"So I'm definitely gonna reach out to you on Friday to see how you're going, how you went with the specialist.","start":2479.22,"end":2484.225,"sentiment":"positive","sentiment_score":0.42955459157625836},{"text":"And we're gonna stay in touch and make sure that everything anything that you need help with or advice that we're gonna make sure is is touched on as soon as possible.","start":2485.165,"end":2497.5198,"sentiment":"positive","sentiment_score":0.33672610158100724},{"text":"No.","start":2499.98,"end":2500.22,"sentiment":"neutral","sentiment_score":-0.11630786955356598},{"text":"That's okay, Sharon.","start":2500.22,"end":2501.0999,"sentiment":"neutral","sentiment_score":-0.10253401845693588}],"sentiment":"neutral","sentiment_score":0.32182415981184354,"num_words":99,"start":2464.045,"end":2501.0999},{"sentences":[{"text":"I'm so sorry you're that you're experiencing this.","start":2501.0999,"end":2503.2598,"sentiment":"negative","sentiment_score":-0.365697018802166},{"text":"It's it's awful.","start":2503.2598,"end":2504.96,"sentiment":"negative","sentiment_score":-0.5208775500456492},{"text":"And no.","start":2505.0999,"end":2507.18,"sentiment":"neutral","sentiment_score":-0.1774858981370926},{"text":"You're not at all.","start":2507.18,"end":2507.98,"sentiment":"neutral","sentiment_score":-0.27938877791166306},{"text":"And do you know what?","start":2507.98,"end":2509.0198,"sentiment":"neutral","sentiment_score":-0.1233492985367775}],"sentiment":"neutral","sentiment_score":-0.29897646368904546,"num_words":22,"start":2501.0999,"end":2509.0198},{"sentences":[{"text":"I can actually relate.","start":2509.0198,"end":2510.0598,"sentiment":"neutral","sentiment_score":-0.12234729900956154},{"text":"My husband had a pretty bad accident last year, and he was off work for a significant period of time on a reduced income, and it is extremely stressful.","start":2510.0598,"end":2520.615,"sentiment":"negative","sentiment_score":-0.34205677180454647},{"text":"It is not something that I you know, people people don't understand it until until you've been through it.","start":2521.155,"end":2527.58,"sentiment":"neutral","sentiment_score":-0.3187199666311866},{"text":"So I can relate, and I I'm I'm definitely gonna stand by you and help you along the way.","start":2527.58,"end":2534.62,"sentiment":"positive","sentiment_score":0.6811443237881911},{"text":"So no.","start":2534.62,"end":2536.8333,"sentiment":"positive","sentiment_score":0.3748621642589569}],"sentiment":"neutral","sentiment_score":-0.03798970498450815,"num_words":73,"start":2509.0198,"end":2536.8333},{"sentences":[{"text":"That's that's completely fine, Sharon.","start":2536.8333,"end":2537.1,"sentiment":"positive","sentiment_score":0.464981871843338},{"text":"Is there anything that I can do today to help you with that?","start":2537.1,"end":2537.1782,"sentiment":"neutral","sentiment_score":0.2788979113101959},{"text":"No.","start":2537.1782,"end":2537.1802,"sentiment":"neutral","sentiment_score":0.04627317562699318},{"text":"That's that's fine, Sharon.","start":2537.1802,"end":2539.7449,"sentiment":"neutral","sentiment_score":0.30347804725170135},{"text":"Is there anything that I can do today to help you?","start":2540.125,"end":2543.265,"sentiment":"neutral","sentiment_score":0.24254008721221576}],"sentiment":"neutral","sentiment_score":0.2905502508887473,"num_words":34,"start":2536.8333,"end":2543.265},{"sentences":[{"text":"Yeah.","start":2550.285,"end":2550.785,"sentiment":"neutral","sentiment_score":0.16686664521694183},{"text":"Yep.","start":2551.085,"end":2551.585,"sentiment":"neutral","sentiment_score":0.1709190309047699},{"text":"Well, if even if you wanna give me a call on Thursday, feel free to and let me know how you went with a specialist.","start":2553.3098,"end":2561.01,"sentiment":"neutral","sentiment_score":0.15150726050138474},{"text":"Otherwise, I'm gonna give you a call on Friday and check-in.","start":2561.15,"end":2564.45,"sentiment":"neutral","sentiment_score":0.09133410318331285},{"text":"Okay?","start":2565.63,"end":2566.13,"sentiment":"neutral","sentiment_score":0.05244848877191544}],"sentiment":"neutral","sentiment_score":0.13288694390883812,"num_words":39,"start":2550.285,"end":2566.13},{"sentences":[{"text":"Alright.","start":2566.91,"end":2567.39,"sentiment":"neutral","sentiment_score":0.12406688183546066},{"text":"And you'll notice, I completely completely understand where you're coming from.","start":2567.39,"end":2572.6748,"sentiment":"neutral","sentiment_score":0.09050953749101609},{"text":"It is a lot.","start":2574.015,"end":2574.9949,"sentiment":"neutral","sentiment_score":-0.047048202715814114},{"text":"Yeah.","start":2578.815,"end":2579.315,"sentiment":"neutral","sentiment_score":-0.03258116915822029},{"text":"It's yeah.","start":2579.535,"end":2590.29,"sentiment":"neutral","sentiment_score":-0.07600991800427437}],"sentiment":"neutral","sentiment_score":0.03930936727403222,"num_words":19,"start":2566.91,"end":2590.29},{"sentences":[{"text":"Yeah.","start":2593.55,"end":2593.935,"sentiment":"neutral","sentiment_score":-0.055391907691955566},{"text":"Yeah.","start":2597.5352,"end":2598.0352,"sentiment":"neutral","sentiment_score":-0.02580319344997406},{"text":"Are are you able to get back to your apartment and maybe put your leg up in?","start":2598.575,"end":2602.355,"sentiment":"neutral","sentiment_score":-0.014311640359023037},{"text":"Yeah.","start":2606.0151,"end":2606.4,"sentiment":"neutral","sentiment_score":-0.07122780382633209},{"text":"Yeah.","start":2617.92,"end":2618.415,"sentiment":"neutral","sentiment_score":-0.2512702941894531}],"sentiment":"neutral","sentiment_score":-0.03080909929814793,"num_words":21,"start":2593.55,"end":2618.415},{"sentences":[{"text":"Yeah.","start":2618.895,"end":2618.975,"sentiment":"neutral","sentiment_score":-0.25796592235565186},{"text":"It's putting financial pressure on you.","start":2618.975,"end":2621.075,"sentiment":"negative","sentiment_score":-0.46236974000930786},{"text":"Yeah.","start":2622.495,"end":2622.995,"sentiment":"neutral","sentiment_score":0.023841172456741333},{"text":"Yep.","start":2623.215,"end":2623.715,"sentiment":"neutral","sentiment_score":0.09933382272720336},{"text":"Well, hopefully, you'll be able to go back to work in maybe some capacity being light duties or with your leg elevated.","start":2623.935,"end":2630.595,"sentiment":"neutral","sentiment_score":0.11947163194417953}],"sentiment":"neutral","sentiment_score":-0.009052692401793695,"num_words":31,"start":2618.895,"end":2630.595},{"sentences":[{"text":"Hopefully, there'll be something there that he can help you with, but I think it's it's just waiting till Thursday to get that peace of mind and that clarity for you that's that's gonna be difficult.","start":2631.22,"end":2645.135,"sentiment":"neutral","sentiment_score":0.1743276874638266},{"text":"Yeah.","start":2647.835,"end":2648.335,"sentiment":"neutral","sentiment_score":0.27487626671791077},{"text":"Well, hopefully, Bentley keeps you nice and occupied and lots of cuddles and and and help you through this time until Thursday.","start":2648.955,"end":2660.6902,"sentiment":"positive","sentiment_score":0.5350203351540999},{"text":"No.","start":2663.3901,"end":2663.6301,"sentiment":"neutral","sentiment_score":-0.016287915408611298},{"text":"You're welcome, Sharon.","start":2663.6301,"end":2664.59,"sentiment":"neutral","sentiment_score":0.30691274007161456}],"sentiment":"neutral","sentiment_score":0.3051677887874936,"num_words":63,"start":2631.22,"end":2664.59},{"sentences":[{"text":"If you need anything in the meantime, please call me.","start":2664.59,"end":2666.99,"sentiment":"neutral","sentiment_score":0.10713614597916603},{"text":"Otherwise, I'm gonna go away and do all those action items we talked about.","start":2666.99,"end":2670.53,"sentiment":"neutral","sentiment_score":0.078203323962433},{"text":"And no.","start":2671.185,"end":2672.705,"sentiment":"positive","sentiment_score":0.3623206876218319},{"text":"You're absolutely welcome, and I will speak to you on Friday.","start":2672.705,"end":2676.245,"sentiment":"positive","sentiment_score":0.4120261858810078},{"text":"You're welcome, Sharon.","start":2679.185,"end":2680.145,"sentiment":"positive","sentiment_score":0.5758153200149536}],"sentiment":"neutral","sentiment_score":0.2287645843811333,"num_words":40,"start":2664.59,"end":2680.145},{"sentences":[{"text":"Thank you for your time.","start":2680.145,"end":2681.365,"sentiment":"positive","sentiment_score":0.7414143681526184},{"text":"Bye.","start":2683.0251,"end":2683.5051,"sentiment":"neutral","sentiment_score":0.2673163115978241},{"text":"Yeah.","start":2683.5051,"end":2683.985,"sentiment":"neutral","sentiment_score":0.15579989552497864},{"text":"Bye.","start":2683.985,"end":2684.485,"sentiment":"neutral","sentiment_score":0.13849738240242004}],"sentiment":"positive","sentiment_score":0.5335856787860394,"num_words":8,"start":2680.145,"end":2684.485}]}}]},{"alternatives":[{"transcript":"Hello. Sharon speaking. Hello. Sorry. I was just trying to get in the car park at home, but then they've changed they've got people cleaning it. So I had to go out, and then I lost you. No. I've just I had to park around the corner. I'd have to just walk up the phone, but I can talk to you. That's fine. Yeah. Yeah. That's fine. Oh, so sorry. I was just sorry. Sharon Ann Russa, twenty five nine sixty nine. 220735 Burdette Street, Albion. Oh, okay. Yeah. Is that okay? Yep. Yep. Oh, this is fine. L e a, n n, e. Yep. Yes. Yes. A son and a daughter. That's okay. Yes. So she's actually Caitlin Baker now. She's been married. April. Yeah. That's correct. Yes. Yep. Oh. Admin officer. No. The Royal Women's Hospital Brisbane. Well, sorry. Royal Women's and yes. So Royal Brisbane and Women's Hospital. I've been thinking myself. 2017. I think it was the 10/05/2017. Full full time. Yep. Forty hours a week. Oh, it's rough. It's about that. I don't even know. I haven't even looked at my tax this year, actually. So it might be about 85 when you do. What? Sorry? Oh, so no. So all they do is they just pay 85% of my wage. So I don't get any extra money. So I'm actually out of pocket, putting on work cover. I don't know how they work it out. I'm really sorry. So I think they paid me 17 $100 for a fortnight, which is disgusting because, you know, I normally get paid $4,000, but anyhow yep. Correct. So Fortnite oh, no. Probably $2 a Fortnite. Maybe a little bit more. No. It's gonna be more than that. Probably 2 and a half a fortnight. Oh, yeah. No. Just for a fortnight. For this yeah. Fortnight. No. Because I mean, I really couldn't save anyhow because my rent's gone up to $650 a week, and all your expenses and everything, you just you got no time. You got no nothing to save. No. Sorry. For work cover? Oh, yeah. They pay. Yeah. Yep. And then I yeah. Yeah. Well, I'll see what happens on Thursday when I get back to the doctor. He may say I'm allowed to go back to work and I just have to you know, I don't know. So, no, if I can't, that that money is gonna be helpful for me. But I think if I stop it, it's gonna take a while for them to stop it. It won't stop straight away. So I guess if I tell them today I wanna stop it temporarily, it may coming forth next fortnight. I can't guarantee that. Mhmm. Yeah. Yep. Yes. About that. Yes. Is it what? Sorry. My loan. Is that the Nevada lease loan you're talking about? Sorry. I couldn't tell you. I have to go into the paperwork and have a look. Can't match a o. Mhmm. It's still current. Yep. It might be down to about 12 maybe. Of sorry. Of what? Sorry. It kept cutting out. Oh, no. There's nothing in that now with all the everything that's going on. How much did you say was in there? Oh, yeah. No. There's nothing in there now. It's probably about $20 if that no. I have years and years and years ago. Probably fifteen years ago or more. That's all being cleared. Yep. Nope. No. I do. Beeper. No. Yep. Mhmm. Oh, just whatever. Isn't not nothing, basically. Mhmm. Yeah. Yeah. Like, I just don't I don't understand any of this. Yeah. It looks like I'll probably have to go 75, but anyhow. Mhmm. Yep. Yeah. Yep. Yep. I I really I couldn't tell you. I just don't know enough about anything like that. Possibly. Yeah. Again, I have no idea. Right. I'm sorry. I just don't yeah. Again, I don't I really don't know. I I just don't no one's really sat down and gone through anything, like and without me visualizing it, I can't. Sure. Yeah. I guess so. Yeah. Like I said before that I know that when I do the look at the difference between last year or the one year to the next year, my two super brings in more money. I get yes. No. No. It's not gonna happen. No. It's probably gonna be more than that now. I have no idea. I mean, hopefully, by then, I'll be out of debt. I won't have any debt, but, you know, depending on what, you know, what rental is. Like, I'm paying $6.50 a week now in rent, so a thousand dollars is not gonna cover. Only because of all the debt that I'm in. It's you know, it's probably I don't know. Maybe a thousand dollars a week. Yep. I think I've got I've, you know, I've got this. I'm paying off Afterpay and you know? So oh, I think I owe $400. Not much. I mean, I guess it is, but Well, like, to pay off quicker, it means I'm gonna pay more money every week or every fortnight, which means I'm gonna be out of pocket myself, and I'm gonna struggle. Mhmm. Yes. Yeah. I mean, I know, like, next September, I own my car, so there won't be that, you know, $575 a fortnight coming out. So yeah. But then but then I have to, obviously what do you call it? Re refinance the the balloon payment, which I guess is, you know, it's it's only gonna be $8. Yeah. Yeah. I mean, I hope I'm trying not to I'm gonna pay off this Afterpay, and then, hopefully, I just don't have I'm just gonna cancel it. And then what I don't have, I just I don't have a simple. Yeah. Yep. Yep. Yes. Yes. Yeah. I tried changing that date years ago, like, probably eighteen months ago, and it wouldn't let me change it for some reason. Like, for thirty days. But when I looked it up, I thought, oh, sixty days is a long time. Oh, sorry. Ninety days long time not to have any income. Mhmm. Yep. Let me stop with the dog. So I was just talking to the dog. Mhmm. Uh-huh. Yep. Yep. Okay. Yep. Yep. Yep. That'd be great. Yep. Mhmm. Yes. Yep. Mhmm. Yep. Yep. Yep. That'd be good. Yep. Okay. That's okay. Mhmm. Yes. Yes. Yep. Yep. Right. Okay. Yes. Yes. Yep. Yep. No. Thank you for doing that. Yes. Yep. Yes. Yeah. Yeah. Yep. Yep. Yep. Okay. Mhmm. Okay. Perfect. Oh, no. No. No. I just I just got a little bit I don't know what the word is. I I just feel like because I'm just a small person, we get forgotten about compared to compared to, you know, I was a big person investing a lot of money. Yeah. Yes. Yeah. Yeah. Oh, exactly. I mean and, like, this sounds not that I, like, will ever rely on this, you know, don't get me going. I say this as well, but mom passed away, like, the thirty first of December last year. And, like, somehow well, we were we we had a trust fund, but somehow it has been we've gotta wait till my stepfather passes now. So that must have she must have I don't know how they managed to change it, but anyhow so, you know and that was a a a lot of money, so which would you'd put into super as well, which is yeah. It would, you know, also make a big difference too. Yeah. Yay. Yes. Yep. Yes. Yep. Yep. Okay. Okay. Oh, I thought it was I thought it was my oh, okay. Oh, I thought I had both my oh, okay. So who have I got with with you guys? Yeah. Lachlan's 26. Peyton's 25. Yep. Okay. Yep. Okay. Yep. Yeah. Yeah. Because I can't touch my super for that, can I? K. Yes. Yeah. So is it all overwhelming for me? No. It's just you know, I've I've gone so so hard to get myself from being bankrupt to, you know, where I am today. You know, and I just don't fall back again. Thank you. Yep. Thank you. Okay. Lovely. Thank you. Oh, I'm just a talk. Yeah. Yeah. Thank you. No. That's fine. I'll just go through that paperwork and, you know, do what I've gotta do and send it back to you. Yep. Yep. Okay. Yes. I just think it's, you know yeah. It is a lot. But, like, I've just I've just because I can't go, like, park downstairs because they're sweeping they're cleaning out our apartment block car passes. So I've just been with Bentley just over the park. While I was talking to you, my leg is just stored up so much. Oh, yeah. Yes. I just have to walk up a little hill, but it's fine. But I'll just have to do that. But that's just why, like, the doctor said, you know, I may not be able to go back to work after Thursday. It might be another two or three weeks off work, which stresses me out because, again, you know, it's all about absolutely. Yeah. Yeah. Yeah. Absolutely. Yeah. Thank you very much. Beautiful. Thank you. Okay. Perfect. Thank you so much for your time. Thank you. See you. Bye. 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Sharon speaking. Hello. Sorry. I was just trying to get in the car park at home, but then they've changed they've got people cleaning it.\n\nSo I had to go out, and then I lost you. No. I've just I had to park around the corner. I'd have to just walk up the phone, but I can talk to you. That's fine.\n\nYeah. Yeah. That's fine. Oh, so sorry. I was just sorry.\n\nSharon Ann Russa, twenty five nine sixty nine. 220735 Burdette Street, Albion. Oh, okay. Yeah. Is that okay?\n\nYep. Yep. Oh, this is fine. L e a, n n, e. Yep.\n\nYes. Yes. A son and a daughter. That's okay. Yes.\n\nSo she's actually Caitlin Baker now. She's been married. April. Yeah. That's correct.\n\nYes. Yep. Oh. Admin officer. No.\n\nThe Royal Women's Hospital Brisbane. Well, sorry. Royal Women's and yes. So Royal Brisbane and Women's Hospital. I've been thinking myself.\n\n2017. I think it was the 10/05/2017. Full full time. Yep. Forty hours a week.\n\nOh, it's rough. It's about that. I don't even know. I haven't even looked at my tax this year, actually. So it might be about 85 when you do.\n\nWhat? Sorry? Oh, so no. So all they do is they just pay 85% of my wage. So I don't get any extra money.\n\nSo I'm actually out of pocket, putting on work cover. I don't know how they work it out. I'm really sorry. So I think they paid me 17 $100 for a fortnight, which is disgusting because, you know, I normally get paid $4,000, but anyhow yep. Correct.\n\nSo Fortnite oh, no. Probably $2 a Fortnite. Maybe a little bit more. No. It's gonna be more than that.\n\nProbably 2 and a half a fortnight. Oh, yeah. No. Just for a fortnight. For this yeah.\n\nFortnight. No. Because I mean, I really couldn't save anyhow because my rent's gone up to $650 a week, and all your expenses and everything, you just you got no time. You got no nothing to save. No.\n\nSorry. For work cover? Oh, yeah. They pay. Yeah.\n\nYep. And then I yeah. Yeah. Well, I'll see what happens on Thursday when I get back to the doctor. He may say I'm allowed to go back to work and I just have to you know, I don't know.\n\nSo, no, if I can't, that that money is gonna be helpful for me. But I think if I stop it, it's gonna take a while for them to stop it. It won't stop straight away. So I guess if I tell them today I wanna stop it temporarily, it may coming forth next fortnight. I can't guarantee that.\n\nMhmm. Yeah. Yep. Yes. About that.\n\nYes. Is it what? Sorry. My loan. Is that the Nevada lease loan you're talking about?\n\nSorry. I couldn't tell you. I have to go into the paperwork and have a look. Can't match a o. Mhmm.\n\nIt's still current. Yep. It might be down to about 12 maybe. Of sorry. Of what?\n\nSorry. It kept cutting out. Oh, no. There's nothing in that now with all the everything that's going on. How much did you say was in there?\n\nOh, yeah. No. There's nothing in there now. It's probably about $20 if that no. I have years and years and years ago.\n\nProbably fifteen years ago or more. That's all being cleared. Yep. Nope. No.\n\nI do. Beeper. No. Yep. Mhmm.\n\nOh, just whatever. Isn't not nothing, basically. Mhmm. Yeah. Yeah.\n\nLike, I just don't I don't understand any of this. Yeah. It looks like I'll probably have to go 75, but anyhow. Mhmm. Yep.\n\nYeah. Yep. Yep. I I really I couldn't tell you. I just don't know enough about anything like that.\n\nPossibly. Yeah. Again, I have no idea. Right. I'm sorry.\n\nI just don't yeah. Again, I don't I really don't know. I I just don't no one's really sat down and gone through anything, like and without me visualizing it, I can't. Sure. Yeah.\n\nI guess so. Yeah. Like I said before that I know that when I do the look at the difference between last year or the one year to the next year, my two super brings in more money. I get yes. No.\n\nNo. It's not gonna happen. No. It's probably gonna be more than that now. I have no idea.\n\nI mean, hopefully, by then, I'll be out of debt. I won't have any debt, but, you know, depending on what, you know, what rental is. Like, I'm paying $6.50 a week now in rent, so a thousand dollars is not gonna cover. Only because of all the debt that I'm in. It's you know, it's probably I don't know.\n\nMaybe a thousand dollars a week. Yep. I think I've got I've, you know, I've got this. I'm paying off Afterpay and you know? So oh, I think I owe $400.\n\nNot much. I mean, I guess it is, but Well, like, to pay off quicker, it means I'm gonna pay more money every week or every fortnight, which means I'm gonna be out of pocket myself, and I'm gonna struggle. Mhmm. Yes. Yeah.\n\nI mean, I know, like, next September, I own my car, so there won't be that, you know, $575 a fortnight coming out. So yeah. But then but then I have to, obviously what do you call it? Re refinance the the balloon payment, which I guess is, you know, it's it's only gonna be $8. Yeah.\n\nYeah. I mean, I hope I'm trying not to I'm gonna pay off this Afterpay, and then, hopefully, I just don't have I'm just gonna cancel it. And then what I don't have, I just I don't have a simple. Yeah. Yep.\n\nYep. Yes. Yes. Yeah. I tried changing that date years ago, like, probably eighteen months ago, and it wouldn't let me change it for some reason.\n\nLike, for thirty days. But when I looked it up, I thought, oh, sixty days is a long time. Oh, sorry. Ninety days long time not to have any income. Mhmm.\n\nYep. Let me stop with the dog. So I was just talking to the dog. Mhmm. Uh-huh.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. That'd be great. Yep. Mhmm. Yes.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nThat'd be good. Yep. Okay. That's okay. Mhmm.\n\nYes. Yes. Yep. Yep. Right.\n\nOkay. Yes. Yes. Yep. Yep.\n\nNo. Thank you for doing that. Yes. Yep. Yes.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nOkay. Mhmm. Okay. Perfect. Oh, no.\n\nNo. No. I just I just got a little bit I don't know what the word is. I I just feel like because I'm just a small person, we get forgotten about compared to compared to, you know, I was a big person investing a lot of money. Yeah.\n\nYes. Yeah. Yeah. Oh, exactly. I mean and, like, this sounds not that I, like, will ever rely on this, you know, don't get me going.\n\nI say this as well, but mom passed away, like, the thirty first of December last year. And, like, somehow well, we were we we had a trust fund, but somehow it has been we've gotta wait till my stepfather passes now. So that must have she must have I don't know how they managed to change it, but anyhow so, you know and that was a a a lot of money, so which would you'd put into super as well, which is yeah. It would, you know, also make a big difference too. Yeah.\n\nYay. Yes. Yep. Yes. Yep.\n\nYep. Okay. Okay. Oh, I thought it was I thought it was my oh, okay. Oh, I thought I had both my oh, okay.\n\nSo who have I got with with you guys? Yeah. Lachlan's 26. Peyton's 25. Yep.\n\nOkay. Yep. Okay. Yep. Yeah.\n\nYeah. Because I can't touch my super for that, can I? K. Yes. Yeah.\n\nSo is it all overwhelming for me? No. It's just you know, I've I've gone so so hard to get myself from being bankrupt to, you know, where I am today. You know, and I just don't fall back again. Thank you.\n\nYep. Thank you. Okay. Lovely. Thank you.\n\nOh, I'm just a talk. Yeah. Yeah. Thank you. No.\n\nThat's fine. I'll just go through that paperwork and, you know, do what I've gotta do and send it back to you. Yep. Yep. Okay.\n\nYes. I just think it's, you know yeah. It is a lot. But, like, I've just I've just because I can't go, like, park downstairs because they're sweeping they're cleaning out our apartment block car passes. So I've just been with Bentley just over the park.\n\nWhile I was talking to you, my leg is just stored up so much. Oh, yeah. Yes. I just have to walk up a little hill, but it's fine. But I'll just have to do that.\n\nBut that's just why, like, the doctor said, you know, I may not be able to go back to work after Thursday. It might be another two or three weeks off work, which stresses me out because, again, you know, it's all about absolutely. Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Thank you very much. Beautiful. Thank you.\n\nOkay. Perfect. Thank you so much for your time. Thank you. See you.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.04697626829147339},{"text":"Sharon speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.04503989778459072},{"text":"Hello.","start":4.88,"end":5.38,"sentiment":"neutral","sentiment_score":0.004687963053584099},{"text":"Sorry.","start":5.52,"end":6.0,"sentiment":"neutral","sentiment_score":-0.12902280688285828},{"text":"I was just trying to get in the car park at home, but then they've changed they've got people cleaning it.","start":6.0,"end":12.645,"sentiment":"neutral","sentiment_score":-0.17275407236246837}],"sentiment":"neutral","sentiment_score":-0.13904285767617133,"num_words":26,"start":1.1999999,"end":12.645},{"sentences":[{"text":"So I had to go out, and then I lost you.","start":14.645,"end":17.625,"sentiment":"neutral","sentiment_score":-0.18939949843016538},{"text":"No.","start":25.365,"end":25.605,"sentiment":"neutral","sentiment_score":-0.13182084262371063},{"text":"I've just I had to park around the corner.","start":25.605,"end":27.445,"sentiment":"neutral","sentiment_score":-0.10992217395040724},{"text":"I'd have to just walk up the phone, but I can talk to you.","start":27.445,"end":30.59,"sentiment":"neutral","sentiment_score":-0.04657845212412732},{"text":"That's fine.","start":30.59,"end":31.41,"sentiment":"neutral","sentiment_score":0.14286328107118607}],"sentiment":"neutral","sentiment_score":-0.0965104502298542,"num_words":37,"start":14.645,"end":31.41},{"sentences":[{"text":"Yeah.","start":41.39,"end":41.63,"sentiment":"neutral","sentiment_score":0.04785006120800972},{"text":"Yeah.","start":41.63,"end":41.87,"sentiment":"neutral","sentiment_score":0.08015559613704681},{"text":"That's fine.","start":41.87,"end":42.61,"sentiment":"neutral","sentiment_score":0.1648433357477188},{"text":"Oh, so sorry.","start":42.675,"end":49.074997,"sentiment":"neutral","sentiment_score":0.07044727355241776},{"text":"I was just sorry.","start":49.074997,"end":50.855,"sentiment":"neutral","sentiment_score":-0.0846781525760889}],"sentiment":"neutral","sentiment_score":0.03002923083576289,"num_words":11,"start":41.39,"end":50.855},{"sentences":[{"text":"Sharon Ann Russa, twenty five nine sixty nine.","start":53.074997,"end":55.715,"sentiment":"neutral","sentiment_score":0.009374643093906343},{"text":"220735 Burdette Street, Albion.","start":55.715,"end":59.08,"sentiment":"neutral","sentiment_score":0.019373168237507343},{"text":"Oh, okay.","start":83.755005,"end":84.655,"sentiment":"neutral","sentiment_score":0.04572126641869545},{"text":"Yeah.","start":93.83,"end":94.07,"sentiment":"neutral","sentiment_score":0.08497056365013123},{"text":"Is that 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e.","start":129.16501,"end":130.865,"sentiment":"neutral","sentiment_score":0.014404703086862961},{"text":"Yep.","start":134.285,"end":134.785,"sentiment":"neutral","sentiment_score":0.023930519819259644}],"sentiment":"neutral","sentiment_score":0.13041910994797945,"num_words":13,"start":110.585,"end":134.785},{"sentences":[{"text":"Yes.","start":143.34,"end":143.84,"sentiment":"neutral","sentiment_score":0.060493335127830505},{"text":"Yes.","start":156.66501,"end":157.16501,"sentiment":"neutral","sentiment_score":0.14385122060775757},{"text":"A son and a daughter.","start":164.185,"end":165.325,"sentiment":"neutral","sentiment_score":0.022001707926392555},{"text":"That's okay.","start":167.92001,"end":168.5,"sentiment":"neutral","sentiment_score":-0.024354995228350163},{"text":"Yes.","start":177.84001,"end":178.08,"sentiment":"neutral","sentiment_score":0.039714962244033813}],"sentiment":"neutral","sentiment_score":0.030535806715488435,"num_words":10,"start":143.34,"end":178.08},{"sentences":[{"text":"So she's actually Caitlin Baker now.","start":178.08,"end":179.76001,"sentiment":"neutral","sentiment_score":0.042813148349523544},{"text":"She's been married.","start":179.76001,"end":180.82,"sentiment":"neutral","sentiment_score":0.04270347083608309},{"text":"April.","start":188.855,"end":189.355,"sentiment":"neutral","sentiment_score":0.04254656285047531},{"text":"Yeah.","start":190.375,"end":190.875,"sentiment":"neutral","sentiment_score":0.1041431799530983},{"text":"That's correct.","start":196.37,"end":197.09,"sentiment":"neutral","sentiment_score":0.08361300453543663}],"sentiment":"neutral","sentiment_score":0.0537619272676798,"num_words":13,"start":178.08,"end":197.09},{"sentences":[{"text":"Yes.","start":197.09,"end":197.59,"sentiment":"neutral","sentiment_score":0.14875324070453644},{"text":"Yep.","start":205.25,"end":205.725,"sentiment":"neutral","sentiment_score":0.000610029324889183},{"text":"Oh.","start":218.285,"end":218.785,"sentiment":"neutral","sentiment_score":0.0005143443122506142},{"text":"Admin officer.","start":219.32501,"end":220.30501,"sentiment":"neutral","sentiment_score":-0.00023236684501171112},{"text":"No.","start":230.09,"end":230.25,"sentiment":"neutral","sentiment_score":-0.049746591597795486}],"sentiment":"neutral","sentiment_score":0.01661104817564289,"num_words":6,"start":197.09,"end":230.25},{"sentences":[{"text":"The Royal Women's Hospital Brisbane.","start":230.25,"end":232.67,"sentiment":"neutral","sentiment_score":-0.033195581287145615},{"text":"Well, sorry.","start":232.73001,"end":233.295,"sentiment":"neutral","sentiment_score":-0.02869972214102745},{"text":"Royal Women's and yes.","start":233.295,"end":236.67499,"sentiment":"neutral","sentiment_score":-0.02495466615073383},{"text":"So Royal Brisbane and Women's Hospital.","start":239.45499,"end":241.635,"sentiment":"neutral","sentiment_score":-0.03241948907574018},{"text":"I've been thinking myself.","start":242.015,"end":243.155,"sentiment":"neutral","sentiment_score":-0.07159573212265968}],"sentiment":"neutral","sentiment_score":-0.03829027991741896,"num_words":21,"start":230.25,"end":243.155},{"sentences":[{"text":"2017.","start":258.43,"end":259.57,"sentiment":"neutral","sentiment_score":0.01394716463983059},{"text":"I think it was the 10/05/2017.","start":259.63,"end":262.665,"sentiment":"neutral","sentiment_score":0.015121080446988344},{"text":"Full full 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when you do.","start":303.30002,"end":308.44,"sentiment":"neutral","sentiment_score":-0.020774662908580568}],"sentiment":"neutral","sentiment_score":-0.11941163665775595,"num_words":29,"start":296.865,"end":308.44},{"sentences":[{"text":"What?","start":318.835,"end":319.155,"sentiment":"neutral","sentiment_score":-0.01406276784837246},{"text":"Sorry?","start":319.155,"end":319.655,"sentiment":"neutral","sentiment_score":-0.03951375186443329},{"text":"Oh, so no.","start":330.93002,"end":332.69,"sentiment":"neutral","sentiment_score":-0.06297695512572925},{"text":"So all they do is they just pay 85% of my wage.","start":332.69,"end":335.895,"sentiment":"neutral","sentiment_score":-0.06608653844644626},{"text":"So I don't get any extra money.","start":337.175,"end":338.615,"sentiment":"neutral","sentiment_score":-0.2610402245606695}],"sentiment":"neutral","sentiment_score":-0.11928447576550145,"num_words":24,"start":318.835,"end":338.615},{"sentences":[{"text":"So I'm actually out of 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look.","start":623.94,"end":625.86,"sentiment":"neutral","sentiment_score":-0.06971469877118414},{"text":"Can't match a o.","start":625.86,"end":627.0,"sentiment":"neutral","sentiment_score":-0.07801582664251328},{"text":"Mhmm.","start":637.3,"end":637.785,"sentiment":"neutral","sentiment_score":0.04320129007101059}],"sentiment":"neutral","sentiment_score":-0.06576203408518008,"num_words":21,"start":621.84503,"end":637.785},{"sentences":[{"text":"It's still current.","start":646.425,"end":647.305,"sentiment":"neutral","sentiment_score":0.0270466140160958},{"text":"Yep.","start":647.305,"end":647.805,"sentiment":"neutral","sentiment_score":0.03386971354484558},{"text":"It might be down to about 12 maybe.","start":650.50494,"end":660.25,"sentiment":"neutral","sentiment_score":0.020596494898200035},{"text":"Of sorry.","start":660.25,"end":660.81,"sentiment":"neutral","sentiment_score":-0.021925138775259256},{"text":"Of 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yeah.","start":678.09503,"end":678.815,"sentiment":"neutral","sentiment_score":-0.018441341817378998},{"text":"No.","start":678.815,"end":679.05505,"sentiment":"neutral","sentiment_score":-0.08109422773122787},{"text":"There's nothing in there now.","start":679.05505,"end":680.09503,"sentiment":"neutral","sentiment_score":-0.11308987885713577},{"text":"It's probably about $20 if that no.","start":680.09503,"end":694.065,"sentiment":"neutral","sentiment_score":-0.035004030647022386},{"text":"I have years and years and years ago.","start":701.585,"end":703.685,"sentiment":"neutral","sentiment_score":-0.07973397616297007}],"sentiment":"neutral","sentiment_score":-0.06810114476019921,"num_words":23,"start":678.09503,"end":703.685},{"sentences":[{"text":"Probably fifteen years ago or more.","start":704.385,"end":710.32,"sentiment":"neutral","sentiment_score":-0.0346440781528751},{"text":"That's all being 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no.","start":1956.16,"end":1956.56,"sentiment":"neutral","sentiment_score":-0.18548709154129028}],"sentiment":"neutral","sentiment_score":0.009966749077041944,"num_words":6,"start":1918.555,"end":1956.56},{"sentences":[{"text":"No.","start":1956.56,"end":1956.72,"sentiment":"neutral","sentiment_score":-0.2174043208360672},{"text":"No.","start":1956.72,"end":1957.04,"sentiment":"neutral","sentiment_score":-0.24468499422073364},{"text":"I just I just got a little bit I don't know what the word is.","start":1957.04,"end":1963.4451,"sentiment":"neutral","sentiment_score":-0.21912103195985158},{"text":"I I just feel like because I'm just a small person, we get forgotten about compared to compared to, you know, I was a big person investing a lot of money.","start":1963.4451,"end":1977.8,"sentiment":"neutral","sentiment_score":-0.2887035819791978},{"text":"Yeah.","start":1985.9401,"end":1986.165,"sentiment":"neutral","sentiment_score":-0.056940361857414246}],"sentiment":"neutral","sentiment_score":-0.2603195142381045,"num_words":49,"start":1956.56,"end":1986.165},{"sentences":[{"text":"Yes.","start":2006.38,"end":2006.88,"sentiment":"neutral","sentiment_score":-0.11653124541044237},{"text":"Yeah.","start":2037.36,"end":2037.86,"sentiment":"neutral","sentiment_score":-0.09571793675422668},{"text":"Yeah.","start":2038.96,"end":2039.28,"sentiment":"neutral","sentiment_score":-0.09177040308713912},{"text":"Oh, exactly.","start":2039.28,"end":2039.94,"sentiment":"neutral","sentiment_score":-0.09910901635885239},{"text":"I mean and, like, this sounds not that I, like, will ever rely on this, you know, don't get me going.","start":2040.0,"end":2046.165,"sentiment":"neutral","sentiment_score":-0.20153151842809858}],"sentiment":"neutral","sentiment_score":-0.18209228865229166,"num_words":26,"start":2006.38,"end":2046.165},{"sentences":[{"text":"I say this as well, but mom passed away, like, the thirty first of December last year.","start":2046.165,"end":2054.425,"sentiment":"neutral","sentiment_score":-0.19587448896730647},{"text":"And, like, somehow well, we were we we had a trust fund, but somehow it has been we've gotta wait till my stepfather passes now.","start":2055.74,"end":2066.88,"sentiment":"neutral","sentiment_score":-0.1875654113292694},{"text":"So that must have she must have I don't know how they managed to change it, but anyhow so, you know and that was a a a lot of money, so which would you'd put into super as well, which is yeah.","start":2067.405,"end":2080.52,"sentiment":"neutral","sentiment_score":-0.16577778809836932},{"text":"It would, you know, also make a big difference too.","start":2080.94,"end":2084.6,"sentiment":"neutral","sentiment_score":-0.22813789434731008},{"text":"Yeah.","start":2099.9148,"end":2100.4148,"sentiment":"neutral","sentiment_score":0.06690329313278198}],"sentiment":"neutral","sentiment_score":-0.18101204574892396,"num_words":95,"start":2046.165,"end":2100.4148},{"sentences":[{"text":"Yay.","start":2119.03,"end":2119.53,"sentiment":"positive","sentiment_score":0.40856194496154785},{"text":"Yes.","start":2142.56,"end":2143.06,"sentiment":"neutral","sentiment_score":0.160798579454422},{"text":"Yep.","start":2150.845,"end":2151.345,"sentiment":"neutral","sentiment_score":0.07179118692874908},{"text":"Yes.","start":2166.8398,"end":2167.3398,"sentiment":"neutral","sentiment_score":0.15437088906764984},{"text":"Yep.","start":2179.085,"end":2179.585,"sentiment":"neutral","sentiment_score":0.17068669199943542}],"sentiment":"neutral","sentiment_score":0.19324185848236083,"num_words":5,"start":2119.03,"end":2179.585},{"sentences":[{"text":"Yep.","start":2189.14,"end":2189.64,"sentiment":"neutral","sentiment_score":0.08669813722372055},{"text":"Okay.","start":2197.8599,"end":2198.3599,"sentiment":"neutral","sentiment_score":0.0671803280711174},{"text":"Okay.","start":2202.605,"end":2203.105,"sentiment":"neutral","sentiment_score":-0.04385975003242493},{"text":"Oh, I thought it was I thought it was my oh, okay.","start":2210.845,"end":2215.505,"sentiment":"neutral","sentiment_score":-0.11814039821426074},{"text":"Oh, I thought I had both my oh, okay.","start":2226.48,"end":2228.98,"sentiment":"positive","sentiment_score":0.3401362813181347}],"sentiment":"neutral","sentiment_score":0.07306501952310403,"num_words":24,"start":2189.14,"end":2228.98},{"sentences":[{"text":"So who have I got with with you guys?","start":2240.775,"end":2242.955,"sentiment":"neutral","sentiment_score":0.05398998119764858},{"text":"Yeah.","start":2251.55,"end":2252.05,"sentiment":"neutral","sentiment_score":0.030569221824407578},{"text":"Lachlan's 26.","start":2252.8298,"end":2254.27,"sentiment":"neutral","sentiment_score":0.024823502637445927},{"text":"Peyton's 25.","start":2254.27,"end":2255.65,"sentiment":"neutral","sentiment_score":0.023188005201518536},{"text":"Yep.","start":2283.5,"end":2284.0,"sentiment":"neutral","sentiment_score":-0.0037634759210050106}],"sentiment":"neutral","sentiment_score":0.040582572824011245,"num_words":15,"start":2240.775,"end":2284.0},{"sentences":[{"text":"Okay.","start":2318.635,"end":2319.135,"sentiment":"neutral","sentiment_score":0.022493761032819748},{"text":"Yep.","start":2319.515,"end":2320.015,"sentiment":"neutral","sentiment_score":0.2146720588207245},{"text":"Okay.","start":2333.33,"end":2333.83,"sentiment":"neutral","sentiment_score":0.18095511198043823},{"text":"Yep.","start":2355.22,"end":2355.72,"sentiment":"neutral","sentiment_score":0.1052164062857628},{"text":"Yeah.","start":2372.7048,"end":2373.2048,"sentiment":"neutral","sentiment_score":0.048943087458610535}],"sentiment":"neutral","sentiment_score":0.11445608511567115,"num_words":5,"start":2318.635,"end":2373.2048},{"sentences":[{"text":"Yeah.","start":2373.4248,"end":2373.505,"sentiment":"neutral","sentiment_score":0.01204543560743332},{"text":"Because I can't touch my super for that, can I?","start":2373.505,"end":2376.005,"sentiment":"neutral","sentiment_score":-0.22967641800642014},{"text":"K.","start":2384.8499,"end":2385.3499,"sentiment":"neutral","sentiment_score":-0.054838310927152634},{"text":"Yes.","start":2395.41,"end":2395.91,"sentiment":"neutral","sentiment_score":-0.13111017644405365},{"text":"Yeah.","start":2410.615,"end":2411.115,"sentiment":"neutral","sentiment_score":0.0068703945726156235}],"sentiment":"neutral","sentiment_score":-0.17598548837538278,"num_words":14,"start":2373.4248,"end":2411.115},{"sentences":[{"text":"So is it all overwhelming for me?","start":2416.84,"end":2419.58,"sentiment":"neutral","sentiment_score":-0.2893780054790633},{"text":"No.","start":2435.405,"end":2435.7249,"sentiment":"negative","sentiment_score":-0.361358106136322},{"text":"It's just you know, I've I've gone so so hard to get myself from being bankrupt to, you know, where I am today.","start":2435.7249,"end":2444.305,"sentiment":"negative","sentiment_score":-0.37306812340798584},{"text":"You know, and I just don't fall back again.","start":2446.0598,"end":2449.52,"sentiment":"neutral","sentiment_score":-0.31915387511253357},{"text":"Thank you.","start":2479.06,"end":2479.8,"sentiment":"positive","sentiment_score":0.4322926849126816}],"sentiment":"neutral","sentiment_score":-0.30893739259668757,"num_words":42,"start":2416.84,"end":2479.8},{"sentences":[{"text":"Yep.","start":2484.74,"end":2485.06,"sentiment":"neutral","sentiment_score":0.23232412338256836},{"text":"Thank you.","start":2485.06,"end":2485.8,"sentiment":"positive","sentiment_score":0.410786971449852},{"text":"Okay.","start":2498.035,"end":2498.355,"sentiment":"neutral","sentiment_score":0.1479068100452423},{"text":"Lovely.","start":2498.355,"end":2498.675,"sentiment":"neutral","sentiment_score":0.2558959722518921},{"text":"Thank you.","start":2498.675,"end":2499.415,"sentiment":"neutral","sentiment_score":0.21442853659391403}],"sentiment":"neutral","sentiment_score":0.2695082745381764,"num_words":7,"start":2484.74,"end":2499.415},{"sentences":[{"text":"Oh, I'm just a talk.","start":2504.54,"end":2505.76,"sentiment":"neutral","sentiment_score":-0.18790248334407805},{"text":"Yeah.","start":2516.2349,"end":2516.7349,"sentiment":"neutral","sentiment_score":-0.21576307713985443},{"text":"Yeah.","start":2521.435,"end":2521.935,"sentiment":"neutral","sentiment_score":-0.24987727403640747},{"text":"Thank you.","start":2535.35,"end":2536.1702,"sentiment":"positive","sentiment_score":0.6842823028564453},{"text":"No.","start":2544.9648,"end":2545.285,"sentiment":"neutral","sentiment_score":-0.03955645114183426}],"sentiment":"neutral","sentiment_score":-0.007614461332559585,"num_words":10,"start":2504.54,"end":2545.285},{"sentences":[{"text":"That's fine.","start":2545.285,"end":2545.845,"sentiment":"neutral","sentiment_score":0.15179866552352905},{"text":"I'll just go through that paperwork and, you know, do what I've gotta do and send it back to you.","start":2545.845,"end":2549.785,"sentiment":"neutral","sentiment_score":0.05708380229771137},{"text":"Yep.","start":2562.8801,"end":2563.3801,"sentiment":"neutral","sentiment_score":0.07447358965873718},{"text":"Yep.","start":2563.76,"end":2564.26,"sentiment":"neutral","sentiment_score":0.05328330397605896},{"text":"Okay.","start":2565.2,"end":2565.7,"sentiment":"neutral","sentiment_score":0.0586061105132103}],"sentiment":"neutral","sentiment_score":0.06526545524597167,"num_words":25,"start":2545.285,"end":2565.7},{"sentences":[{"text":"Yes.","start":2567.12,"end":2567.62,"sentiment":"neutral","sentiment_score":0.14332440495491028},{"text":"I just think it's, you know yeah.","start":2573.5552,"end":2575.8152,"sentiment":"neutral","sentiment_score":-0.03317670896649361},{"text":"It is a lot.","start":2576.915,"end":2577.975,"sentiment":"neutral","sentiment_score":-0.08077902160584927},{"text":"But, like, I've just I've just because I can't go, like, park downstairs because they're sweeping they're cleaning out our apartment block car passes.","start":2578.8352,"end":2589.2,"sentiment":"neutral","sentiment_score":-0.16378715463603535},{"text":"So I've just been with Bentley just over the park.","start":2590.62,"end":2593.04,"sentiment":"neutral","sentiment_score":-0.029046885669231415}],"sentiment":"neutral","sentiment_score":-0.10072585243893706,"num_words":46,"start":2567.12,"end":2593.04},{"sentences":[{"text":"While I was talking to you, my leg is just stored up so much.","start":2593.9949,"end":2596.815,"sentiment":"neutral","sentiment_score":-0.15783544071018696},{"text":"Oh, yeah.","start":2602.7148,"end":2603.035,"sentiment":"neutral","sentiment_score":-0.040515534579753876},{"text":"Yes.","start":2603.035,"end":2603.275,"sentiment":"neutral","sentiment_score":-0.024545812979340553},{"text":"I just have to walk up a little hill, but it's fine.","start":2603.275,"end":2605.615,"sentiment":"neutral","sentiment_score":-0.05000182508956641},{"text":"But I'll just have to do that.","start":2605.6748,"end":2606.875,"sentiment":"neutral","sentiment_score":-0.09656382352113724}],"sentiment":"neutral","sentiment_score":-0.09975671438345064,"num_words":36,"start":2593.9949,"end":2606.875},{"sentences":[{"text":"But that's just why, like, the doctor said, you know, I may not be able to go back to work after Thursday.","start":2606.875,"end":2612.52,"sentiment":"neutral","sentiment_score":-0.28193447467955673},{"text":"It might be another two or three weeks off work, which stresses me out because, again, you know, it's all about absolutely.","start":2612.52,"end":2621.18,"sentiment":"negative","sentiment_score":-0.3614288175647909},{"text":"Yeah.","start":2634.215,"end":2634.535,"sentiment":"neutral","sentiment_score":0.12856341898441315},{"text":"Yeah.","start":2634.535,"end":2635.035,"sentiment":"neutral","sentiment_score":-0.012791391462087631},{"text":"Yeah.","start":2645.73,"end":2646.05,"sentiment":"neutral","sentiment_score":0.22167885303497312}],"sentiment":"neutral","sentiment_score":-0.29396896912379467,"num_words":47,"start":2606.875,"end":2646.05},{"sentences":[{"text":"Absolutely.","start":2646.05,"end":2646.55,"sentiment":"positive","sentiment_score":0.414349764585495},{"text":"Yeah.","start":2649.33,"end":2649.83,"sentiment":"positive","sentiment_score":0.3958896398544311},{"text":"Thank you very much.","start":2661.5251,"end":2662.745,"sentiment":"positive","sentiment_score":0.6743442118167877},{"text":"Beautiful.","start":2670.75,"end":2671.1501,"sentiment":"positive","sentiment_score":0.6851266622543335},{"text":"Thank you.","start":2671.1501,"end":2671.8901,"sentiment":"positive","sentiment_score":0.5569916665554047}],"sentiment":"positive","sentiment_score":0.5896362496746911,"num_words":9,"start":2646.05,"end":2671.8901},{"sentences":[{"text":"Okay.","start":2676.4302,"end":2676.9102,"sentiment":"neutral","sentiment_score":0.33204415440559387},{"text":"Perfect.","start":2676.9102,"end":2677.31,"sentiment":"positive","sentiment_score":0.7109841108322144},{"text":"Thank you so much for your time.","start":2677.31,"end":2678.85,"sentiment":"positive","sentiment_score":0.7753112401281085},{"text":"Thank you.","start":2681.4702,"end":2682.37,"sentiment":"positive","sentiment_score":0.6387881636619568},{"text":"See you.","start":2682.703,"end":2683.523,"sentiment":"positive","sentiment_score":0.5258771777153015}],"sentiment":"positive","sentiment_score":0.6768875099145449,"num_words":13,"start":2676.4302,"end":2683.523},{"sentences":[{"text":"Bye.","start":2684.143,"end":2684.643,"sentiment":"neutral","sentiment_score":0.122060589492321},{"text":"Bye.","start":2684.783,"end":2685.283,"sentiment":"neutral","sentiment_score":-0.11310841143131256}],"sentiment":"neutral","sentiment_score":0.00447608903050422,"num_words":2,"start":2684.143,"end":2685.283}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sharon speaking.\n\nChannel 0: Hi, Sharon. It's Jenna. How are you?\n\nChannel 1: Hello. Sorry. I was just trying to get in the car park at home, but then they've changed they've got people cleaning it.\n\nChannel 0: Oh, gosh.\n\nChannel 1: So I had to go out, and then I lost you.\n\nChannel 0: No. That's completely fine. Do you want me are you in your home now, or would you like me to wait a few minutes or phone back\n\nChannel 1: No.\n\nChannel 0: again?\n\nChannel 1: I've just I had to park around the corner. I'd have to just walk up the phone, but I can talk\n\nChannel 0: Okay.\n\nChannel 1: to you. That's fine.\n\nChannel 0: Okay. Well, I'm just gonna have to do the process again just because it's a new call and just let you know that our calls are recorded quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. Yeah. That's fine. Oh,\n\nChannel 0: Lovely. Thank you. And, Sharon, just your full name, date of birth, and address, please.\n\nChannel 1: so sorry. I was just sorry.\n\nChannel 0: No. You're\n\nChannel 1: Sharon Ann Russa, twenty five nine sixty nine. 220735 Burdette\n\nChannel 0: right.\n\nChannel 1: Street, Albion.\n\nChannel 0: Beautiful. Thanks so much for that, Sharon. So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there. It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit.\n\nChannel 1: Oh, okay.\n\nChannel 0: If you don't have access to it, I can talk through it, and you can review them after the call. That's\n\nChannel 1: Yeah.\n\nChannel 0: completely\n\nChannel 1: Is that okay?\n\nChannel 0: fine. Yeah. Of course, it is. Of course, it is. But what I will start by doing, if it's okay with you, I'm just gonna run through a little bit of I know we went through some of the updated some of the information last week when we\n\nChannel 1: Yep.\n\nChannel 0: spoke, but I'm gonna go through in a little bit more detail if that's okay with you. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Sharon, what's your preferred salutation? Is it missus, miss, or miss?\n\nChannel 1: Oh, this is fine.\n\nChannel 0: Miss yep. Beautiful. And do your middle name, I know you said that before. Can you spell that for me, please?\n\nChannel 1: L e a, n n, e.\n\nChannel 0: L e a, n n, e e\n\nChannel 1: Yep.\n\nChannel 0: n. Beautiful. And just confirming your marital status, are you we've got it noted here that you're single. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And your email address is Sharon_r1@Hotmail.com? Yep. Beautiful. And we updated your address to Unit 2207 last week, so that's fantastic.\n\nChannel 1: Yes.\n\nChannel 0: Your dependents, do you have two daughters? Is that right?\n\nChannel 1: A son and a daughter.\n\nChannel 0: Oh, a son and a daughter. Sorry. My apologies.\n\nChannel 1: That's okay.\n\nChannel 0: Son and daughter. And we've got your next of kin as your daughter, Caitlin. Is that correct?\n\nChannel 1: Yes. So she's actually Caitlin Baker now. She's been married.\n\nChannel 0: Caitlin Baker. Beautiful. Congratulations. When did that happen? April.\n\nOh, that's not too long\n\nChannel 1: April.\n\nChannel 0: ago. That's lovely.\n\nChannel 1: Yeah.\n\nChannel 0: And just confirming her phone number ends in 409.\n\nChannel 1: That's correct. Yes.\n\nChannel 0: Beautiful. Now moving on to you more personally, I know that you've just had ankle surgery,\n\nChannel 1: Yep.\n\nChannel 0: but I just need to get some details on your usual occupation because I don't have anything listed here. What is yeah. I'm just gonna double check with you. What is your usual occupation?\n\nChannel 1: Oh. Admin officer.\n\nChannel 0: Administration. Beautiful. And do you I have here employer name as Royal Business Brisbane. Is that correct?\n\nChannel 1: No. The Royal Women's Hospital Brisbane. Well,\n\nChannel 0: Yep.\n\nChannel 1: sorry. Royal Women's\n\nChannel 0: The\n\nChannel 1: and\n\nChannel 0: yes.\n\nChannel 1: yes.\n\nChannel 0: I know. Sorry. That's obviously\n\nChannel 1: So Royal Brisbane and Women's Hospital. I've been thinking myself.\n\nChannel 0: yeah. Women's hospital. Oh, beautiful. Okay. And do you remember when you started there or roughly what year?\n\nChannel 1: 2017. I think it was the 10/05/2017.\n\nChannel 0: Oh, wow. You got a great memory. And your employment status, full time, part time,\n\nChannel 1: Full\n\nChannel 0: casual?\n\nChannel 1: full time.\n\nChannel 0: Full time.\n\nChannel 1: Yep.\n\nChannel 0: And your average hours worked per week?\n\nChannel 1: Forty hours a week.\n\nChannel 0: Forty. Beautiful. Thanks for that, Sharon. Now we had your income previously listed as 90,000 on when you're not on work cover. Is that correct, or would that need to be updated?\n\nChannel 1: Oh, it's rough. It's about that.\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: Okay.\n\nChannel 1: even know. I haven't even looked at my tax this year, actually. So it might be about 85\n\nChannel 0: Okay. Alright. And\n\nChannel 1: when\n\nChannel 0: I\n\nChannel 1: you\n\nChannel 0: know\n\nChannel 1: do.\n\nChannel 0: that you were going to get a pay slip that would hopefully show your work cover income. Did that occur?\n\nChannel 1: What? Sorry?\n\nChannel 0: I know that you thought that you from our last converse from our conversation last week that you're expecting to receive a payslip that kinda gave you an indication of what your work cover income may be. Did you receive that?\n\nChannel 1: Oh, so no. So all they do is they just pay 85% of my wage.\n\nChannel 0: Okay.\n\nChannel 1: So I don't get any extra money. So I'm actually out of pocket, putting\n\nChannel 0: Yeah.\n\nChannel 1: on work cover.\n\nChannel 0: Yeah. Okay. So would that be 85% of the 85,000?\n\nChannel 1: I don't know how they work it out. I'm really sorry.\n\nChannel 0: Yeah. No. That's okay. We can if I mean, we can touch base on that later if if we need to.\n\nChannel 1: So I think they paid me 17\n\nChannel 0: Yep.\n\nChannel 1: $100 for a fortnight,\n\nChannel 0: Okay.\n\nChannel 1: which is disgusting because, you know, I normally get paid $4,000, but anyhow\n\nChannel 0: Yeah. And you're not sure when you'll get back yet, are you? Because your appointment's on Thursday.\n\nChannel 1: yep. Correct.\n\nChannel 0: Okay. Alright. Well, hopefully, it's not too too long. That's not ideal. What would be your expenditure per week?\n\nAlso at night, if that's how you many\n\nChannel 1: So Fortnite\n\nChannel 0: yep.\n\nChannel 1: oh, no. Probably $2 a Fortnite. Maybe a little bit more.\n\nChannel 0: Yeah.\n\nChannel 1: No. It's gonna be more\n\nChannel 0: So\n\nChannel 1: than that. Probably 2 and a half a fortnight.\n\nChannel 0: Yep. Alright. So we're gonna be looking at a bit of a bit of a deficit while you're on work\n\nChannel 1: Oh, yeah.\n\nChannel 0: cover. Yeah. That payslip they sent you, was that for a full fortnight of work cover or, like, a pro pro rata period?\n\nChannel 1: No. Just for a fortnight. For this yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Fortnight.\n\nChannel 0: Okay. Okay. And of at the moment, while you're on work cover, you won't be able to do any any savings that you were possibly doing.\n\nChannel 1: No. Because I mean,\n\nChannel 0: Yeah.\n\nChannel 1: I really couldn't save anyhow because my rent's gone up to $650 a week, and\n\nChannel 0: Yeah.\n\nChannel 1: all your expenses and everything, you just you got no time. You got no nothing to save.\n\nChannel 0: Yeah. No. Of course. Alright. Okay.\n\nI'm just gonna make a couple little notes on that for me to refer back to. And your employer, are they paying the normal legislative super guarantee amount?\n\nChannel 1: No.\n\nChannel 0: I no? Okay. Do you get a little bit more?\n\nChannel 1: Sorry. For work cover?\n\nChannel 0: No. Sorry. For your super, just normally with your your normal employment. So, again, moving away from work cover, do\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: yeah.\n\nChannel 0: usually\n\nChannel 1: They pay. Yeah.\n\nChannel 0: the 12%?\n\nChannel 1: Yep. And then\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: I know Yeah. Yeah. Do a little bit of.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Well, you can is that amount still 160 per fortnight?\n\nChannel 1: Yeah.\n\nChannel 0: Do you think you'll continue that while on work cover?\n\nChannel 1: Well, I'll see what happens on Thursday when I get back to the doctor. He may say I'm allowed to go back to work and I just have to you know, I don't know. So,\n\nChannel 0: Yeah.\n\nChannel 1: no, if I can't, that that money is gonna be helpful for me. But I think if I stop it, it's gonna take a while for them to stop it.\n\nChannel 0: Yeah.\n\nChannel 1: It won't\n\nChannel 0: Okay.\n\nChannel 1: stop straight away.\n\nChannel 0: Okay. I'm just gonna make note of\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: I guess if I tell them today I wanna\n\nChannel 0: longer.\n\nChannel 1: stop it temporarily,\n\nChannel 0: Yep.\n\nChannel 1: it may coming forth next fortnight. I can't guarantee\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Yeah. Okay. Alright. Well, we'll keep we'll keep updated on that, and I might touch base with you\n\nChannel 1: Mhmm.\n\nChannel 0: early next week to see how you went with the doctor. Or even on Friday, I'll just touch in and see how you went,\n\nChannel 1: Yeah.\n\nChannel 0: and we can have a look at things from there. We have your assets as your Mazda CX three. Is that still current?\n\nChannel 1: Yep.\n\nChannel 0: And we've got that valued at about 43,000.\n\nChannel 1: Yes.\n\nChannel 0: And I\n\nChannel 1: About that.\n\nChannel 0: yep. And the it's under a novated lease. Is that still correct?\n\nChannel 1: Yes.\n\nChannel 0: With the pay the debt being 16,200?\n\nChannel 1: Is it what? Sorry.\n\nChannel 0: The debt noted as 16,200, is that reduced at all?\n\nChannel 1: My loan.\n\nChannel 0: Yes.\n\nChannel 1: Is that the Nevada lease loan you're talking about? Sorry.\n\nChannel 0: Yes. Yes. Yep.\n\nChannel 1: I couldn't tell you. I have to go into the paperwork and have a look. Can't match a o.\n\nChannel 0: Okay. I might send an email for that just to get that information post our meeting, if that's okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Alright. Beautiful. I also have a personal loan here of consolidated debt for 18,000. Is that still current?\n\nChannel 1: It's still current. Yep.\n\nChannel 0: Still 18?\n\nChannel 1: It might be down to about 12\n\nChannel 0: Twelve. Beautiful. And we had an asset here of coin spot.\n\nChannel 1: maybe.\n\nChannel 0: Is that still\n\nChannel 1: Of\n\nChannel 0: current?\n\nChannel 1: sorry. Of what? Sorry. It kept cutting out.\n\nChannel 0: Oh, no. That's okay. My apologies. Coin spot? Does that sound accurate?\n\nChannel 1: Oh, no. There's nothing in that now with all the everything that's going on.\n\nChannel 0: Yep. Okay. That's no worries\n\nChannel 1: How much\n\nChannel 0: at\n\nChannel 1: did\n\nChannel 0: all.\n\nChannel 1: you say was in there?\n\nChannel 0: 200 when we last\n\nChannel 1: Oh, yeah. No. There's nothing in there now. It's probably about $20 if that\n\nChannel 0: okay. Beautiful. Do you have any other assets that you have or debts?\n\nChannel 1: no.\n\nChannel 0: No. Okay. And have you ever been declared bankrupt? Sorry that I have to ask that question.\n\nChannel 1: I have years and years and years ago.\n\nChannel 0: Yeah.\n\nChannel 1: Probably fifteen years ago or\n\nChannel 0: Okay. And that's all been\n\nChannel 1: more. That's\n\nChannel 0: cleared?\n\nChannel 1: all being cleared. Yep.\n\nChannel 0: Okay. Beautiful. Alright. And are you a smoker?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Do you take any medication regularly?\n\nChannel 1: No.\n\nChannel 0: No. Do you have private health insurance?\n\nChannel 1: I do.\n\nChannel 0: Yeah. Who's\n\nChannel 1: Beeper.\n\nChannel 0: that with? Rupert. Lovely. And for significant health injury health issues or injuries, I've just put your ankle surgery here. Is there anything else that you can think of?\n\nChannel 1: No.\n\nChannel 0: No. No worries at all. And I note that the last time we spoke that you didn't have a will or power of attorney in place. Is has that changed at all?\n\nChannel 1: Yep.\n\nChannel 0: No? Okay. Alright. Okay. With your approach to risk, so your investment risk, we currently have you as a growth investor.\n\nSo that that means typically that you'd be exposed to allocation of roughly 80% of your funds to growth assets being shares, both international and Australian, property, and then 20% to defensive type assets being cash, term deposits, fixed interest. I've looked at both your hub 24 and your q super and your your asset allocation sitting just above the 80% mark for a growth asset with q super being a 2% ours being about 84%. So we can look at rebalancing that back down. But before we did, I just wanted to make sure run through our risk profile questionnaire with you just to make sure that you're comfortable with that,\n\nChannel 1: Mhmm.\n\nChannel 0: a growth risk profile. So just the questions are is, what is the most aggressive investment you have ever made? Direct shares, managed funds, an investment property, your own home, or a high interest bank account?\n\nChannel 1: Oh, just whatever. Isn't not nothing, basically.\n\nChannel 0: Yeah. So in your super fund at the moment, you've got managed funds.\n\nChannel 1: Mhmm.\n\nChannel 0: So that would be probably appropriate. Would you agree that that's the most aggressive that you've made?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Sorry. Some of these questions are a little difficult\n\nChannel 1: Yeah.\n\nChannel 0: at times.\n\nChannel 1: Like, I just don't I don't understand any of this.\n\nChannel 0: That's okay. I wanted to check with you because this will help me answer my question. The next question, your intended retirement age, is that still 65?\n\nChannel 1: Yeah. It looks like I'll probably have to go 75, but anyhow.\n\nChannel 0: Okay. So 60 if we if we look at 65 even, that's about nine years away\n\nChannel 1: Mhmm.\n\nChannel 0: at the present moment. So one of the questions is once our investments have been placed, how long would it be before you would need to access them? If your intended retirement was 65, we would say that's twenty seven and nine years.\n\nChannel 1: Yep.\n\nChannel 0: Do you think that's correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Beautiful. Another question.\n\nChannel 1: Yep.\n\nChannel 0: This one's more about your feelings. No wrong or right answer. How would you feel if within a six month period your portfolio decreased by 20% just due to the general trends in the financial market? So you would have seen your portfolio fluctuate over the years that you've had it.\n\nChannel 1: Yep.\n\nChannel 0: Option and stop avoid future losses? What option and stop avoid future losses? What do you think your reaction would be?\n\nChannel 1: I I really I couldn't tell you. I just don't know enough about anything\n\nChannel 0: Yeah.\n\nChannel 1: like that.\n\nChannel 0: Previously, you answered hold and wait. So are you comfortable to keep that there?\n\nChannel 1: Possibly. Yeah.\n\nChannel 0: Yeah. Okay. And being a growth investor, the return for a growth investor is typically between the seven to 9% return per annum. Would you is that what you would expect?\n\nChannel 1: Again, I\n\nChannel 0: Or\n\nChannel 1: have\n\nChannel 0: would\n\nChannel 1: no\n\nChannel 0: you?\n\nChannel 1: idea.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: Right. I'm sorry. I just don't\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Well, last last time, you had between four to 6%. Is that what you would continue to expect?\n\nChannel 1: Again, I don't I really don't know.\n\nChannel 0: Okay. That's fine,\n\nChannel 1: I I\n\nChannel 0: Sharon.\n\nChannel 1: just\n\nChannel 0: Thank\n\nChannel 1: don't\n\nChannel 0: you.\n\nChannel 1: no one's really sat down\n\nChannel 0: Yeah.\n\nChannel 1: and gone through anything, like and without me visualizing it, I can't.\n\nChannel 0: Yeah. Yeah. No. Of course, I can probably ask these questions in a different way as we work through the review if you like. Does that sound okay?\n\nChannel 1: Sure.\n\nChannel 0: Yeah. No worries. And then I just wanna pivot back quickly to your goals and objectives just to check what they were last time and make sure that we're they're still appropriate or they might have changed. So with your superannuation, your previous goal was to consolidate and manage your super more effectively. Is that still applicable?\n\nChannel 1: Yeah. I guess so.\n\nChannel 0: Yeah. I know from our conversation last week, you also wanted to look at there was some concern you had with the q super not being rolled over and there was a larger balance. So I do have that to discuss with you and the returns as comparable as best as I can. But would one of them be to get the would your goal also post this review be to ensure that the 10,000 remains in q super and we get the funds rolled over to your funds?\n\nChannel 1: Yeah. Like I said before that I know that when\n\nChannel 0: Mhmm.\n\nChannel 1: I do the look at the difference between last year or the one year to the next year, my two super brings\n\nChannel 0: Yep.\n\nChannel 1: in more money. I get\n\nChannel 0: Yep. Alright. Let's I've got that definite I've got all those figures there definitely to go over with you. So because I do remember from our chat last week that that was something that we definitely needed to talk about.\n\nChannel 1: yes.\n\nChannel 0: So I'll pivot to that in a moment. I'll just finish off the goals. Another one was that you would want to purchase your own your own home and get out of the rental market. Is that still\n\nChannel 1: No. No. It's\n\nChannel 0: something\n\nChannel 1: not gonna\n\nChannel 0: that\n\nChannel 1: happen.\n\nChannel 0: no.\n\nChannel 1: No.\n\nChannel 0: Okay. And when at retirement at the age of 65, you had mentioned that you'd need about a thousand dollars per week in income. Would that be appropriate, or would it be more?\n\nChannel 1: It's probably gonna be more than that now.\n\nChannel 0: Yeah. Do you have any idea?\n\nChannel 1: I have no idea. I mean, hopefully, by then, I'll be out of debt. I won't\n\nChannel 0: Yes.\n\nChannel 1: have any debt,\n\nChannel 0: Yep.\n\nChannel 1: but,\n\nChannel 0: Yep.\n\nChannel 1: you know, depending on what, you know, what rental is. Like, I'm paying $6.50 a week\n\nChannel 0: Yeah.\n\nChannel 1: now in rent, so a thousand dollars is not gonna cover.\n\nChannel 0: No. No. Oh, okay. Do you know outside of rent what your other expenses are?\n\nChannel 1: Only\n\nChannel 0: So\n\nChannel 1: because of all the\n\nChannel 0: it\n\nChannel 1: debt that I'm in. It's you know, it's probably I don't know. Maybe a thousand dollars a week. Yep.\n\nChannel 0: and that's after all your the if you were debt free. Okay. Alright. Beautiful.\n\nChannel 1: I think I've got I've, you know, I've got this. I'm paying off Afterpay and you know? So\n\nChannel 0: Okay. Much do you have in your Afterpay debt wise?\n\nChannel 1: oh, I think I owe $400. Not\n\nChannel 0: Oh,\n\nChannel 1: much.\n\nChannel 0: beautiful.\n\nChannel 1: I mean, I guess\n\nChannel 0: Yep.\n\nChannel 1: it is,\n\nChannel 0: Nice. That's fine. That's fine. That's fine.\n\nChannel 1: but\n\nChannel 0: Did you want to look at a plan to pay off the debts that you do have quicker, or or are you happy to manage that yourself?\n\nChannel 1: Well, like, to pay off quicker, it means I'm gonna pay more money every week or every\n\nChannel 0: Yes.\n\nChannel 1: fortnight, which means I'm gonna be out of pocket myself, and I'm gonna struggle.\n\nChannel 0: Yep. Yeah. Yep. That's okay. So maybe we could look at a when you're back at work, potentially, we could look at a a cash flow analysis and help you see if we can help you achieve that goal of being completely debt free by retirement.\n\nChannel 1: Mhmm.\n\nChannel 0: And it doesn't it doesn't when we say, you know, accelerate your repayment of debt, it doesn't have to be, like, over a two year period. For example, the the personal loan could have a five year term remaining on it, and we might be able to bring that down to three years if we increase it slightly. So we can have a look at those things,\n\nChannel 1: Yes.\n\nChannel 0: but we'll wait till you're in a position to actually do that and you're off work cover and you've caught up a little bit\n\nChannel 1: Yeah.\n\nChannel 0: before we do that.\n\nChannel 1: I mean, I know, like, next September, I own my car, so there won't be that, you know, $575 a fortnight coming out.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So\n\nChannel 0: And that's next September.\n\nChannel 1: yeah. But\n\nChannel 0: Beautiful.\n\nChannel 1: then but then I have to, obviously what do you call it? Re refinance the\n\nChannel 0: Balloon payment?\n\nChannel 1: the balloon payment,\n\nChannel 0: Yep.\n\nChannel 1: which I guess is, you know, it's it's only gonna be $8.\n\nChannel 0: Okay. Well, we could maybe what we could maybe do is look at that then in September next\n\nChannel 1: Yeah.\n\nChannel 0: year and see what we can what plan we can come up with to help you achieve that.\n\nChannel 1: Yeah. I mean, I hope I'm trying not to I'm gonna pay off this Afterpay, and\n\nChannel 0: Yep.\n\nChannel 1: then, hopefully, I just don't have I'm just gonna cancel it. And then what I\n\nChannel 0: Yep.\n\nChannel 1: don't have, I just I don't have a simple.\n\nChannel 0: Yep. Okay. Alright. Beautiful. So what I'm gonna do is just put a a goal here that maybe next September, we so next review, we talk about the cash flow and see if we can help you get that debt paid down a little quicker.\n\nChannel 1: Yeah.\n\nChannel 0: But there's no significant need right now given your current situation with your health and no no clear path as to when you're gonna be able to return to work yet.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So what I'll do now is I'll just pivot over to the documents, which you'll be able to review post our phone call.\n\nChannel 1: Yep.\n\nChannel 0: As I mentioned, it will come from OdooSign, and there are a few documents within this. It will ask you to sign when you're ready, but it won't won't let you sign until you've reviewed all the documents. So one\n\nChannel 1: Yes.\n\nChannel 0: of the first ones within there is just a summary of your insurances and superannuation. We've got a hub 24 at about 104,000, and we have q super at about 86,000.\n\nChannel 1: Yes.\n\nChannel 0: With within q super, you have your life insurance at 57,600 and your TPD at the same amount and an income protection policy of $6,373 with a ninety day wait and a two year benefit period.\n\nChannel 1: Yeah. I tried changing that date years ago, like, probably eighteen months ago,\n\nChannel 0: Yeah?\n\nChannel 1: and it wouldn't let me change it for some reason.\n\nChannel 0: What what did you try to change it to?\n\nChannel 1: Like, for thirty days.\n\nChannel 0: Okay.\n\nChannel 1: But when I looked\n\nChannel 0: To check.\n\nChannel 1: it up, I thought, oh, sixty days is a long time. Oh, sorry. Ninety days long time not to have any income.\n\nChannel 0: Yeah. Yep. That would increase your premium, but we can help you have a look into that if you like and do some research as to why.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Okay. I will just make a note of that. Okay. So what I'm going to do\n\nChannel 1: Let me stop with the dog.\n\nChannel 0: sorry?\n\nChannel 1: So I was just talking to the dog.\n\nChannel 0: Oh, you're absolutely fine. You're absolutely fine. Okay. So one of the other documents within the review pack as well is the performance of hub twenty four. There's two in there, the twelve month and six month period.\n\nChannel 1: Mhmm.\n\nChannel 0: The twelve month period is from yesterday through to twelve months ago, and the annualized return was 4.5.\n\nChannel 1: Uh-huh.\n\nChannel 0: Yes. So lower than your two super, definitely. And the the main reason being is we've had a fund in there called the Benelon concentrated Australian equities fund. That fund has been reviewed by our investment committee. And\n\nChannel 1: Yep.\n\nChannel 0: it's not that the Australian share market has performed badly. It's more the approach that the investment manager has taken. So rather than being invested in, say, the bank the the bank stock, for example, which have performed quite well,\n\nChannel 1: Yep.\n\nChannel 0: their their investment philosophy is is that they chase under undervalued companies that they feel have\n\nChannel 1: Okay.\n\nChannel 0: untapped growth. So their philosophy hasn't really hit the mark in the last twelve plus months. So our\n\nChannel 1: Yep.\n\nChannel 0: investment committee has said that we want to look at alternatives for that when we speak with our clients. So that's\n\nChannel 1: Yep.\n\nChannel 0: the first thing I wanted to tap into is that if you're comfortable for me to look at alternatives for the Bennelong Fund.\n\nChannel 1: Yep. That'd be great.\n\nChannel 0: Beautiful. And then looking at the rest of your policy your your policy your portfolio. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: You have a number of ETFs. So you've got some exposure to the cyber AI type security.\n\nChannel 1: Mhmm.\n\nChannel 0: Has performed very well in the last twelve months. Again, that's a bit of a niche market, but also a very popular one at the moment, I'm sure you can imagine.\n\nChannel 1: Yes.\n\nChannel 0: It's we would expect a little bit more volatility with that type of investment given its niche in nature. Good\n\nChannel 1: Yep.\n\nChannel 0: a good a great diversification across the international shares\n\nChannel 1: Mhmm.\n\nChannel 0: being Europe, Asia, US, and we've also got some fixed interest assets. So what\n\nChannel 1: Yep.\n\nChannel 0: in in saying that, I'd probably like to have a look at your portfolio in full and make sure that it is, as I mentioned, it is a little bit hit top heavy on the growth assets, which we would maybe look to rebalance and bring back down to the 80% mark.\n\nChannel 1: Yep.\n\nChannel 0: But, as long as you're happy for me to do that, I can go and investigate that further.\n\nChannel 1: Yep. That'd be good.\n\nChannel 0: Fantastic. And then the next document in there is the six months return. So we've included that with hub twenty four to just give you further information. So at the moment, at the six month mark, the portfolio is tracking at 3.46%. So it's coming back on track, but that's just as an information piece for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now when we looked at the q super, the statement you sent through to me, thank you for doing that,\n\nChannel 1: That's okay.\n\nChannel 0: I noted that you're in the lifetime focus one.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I did is I went and conducted some research and looked at the return for the 2526. So that because they only update it in financial years.\n\nChannel 1: Yes.\n\nChannel 0: That was the most recent one. So in this scenario, comparing QSuper to hub is difficult because they're not like for like, apples for apples.\n\nChannel 1: Yes.\n\nChannel 0: So I've done the best I can.\n\nChannel 1: Yep.\n\nChannel 0: So the return for q super in the lifetime focus one was 7.89% for the 2526 financial year. And what I did with the hub '24, I went and generated a report for that same exact financial year being 2526 so I could compare as close as possible.\n\nChannel 1: Yep.\n\nChannel 0: The q for one, the only note is that they that's including fees except for the administration fees that are charged. So\n\nChannel 1: Right.\n\nChannel 0: there is a little bit of fee to be duck deducted from the 7.89%, but not a lot.\n\nChannel 1: Okay.\n\nChannel 0: The hub '24 return for the same year was 7.67 percent. So it was and that that that's post fee or net of fees, I should say. So there is a little bit of a difference. It's very marginal,\n\nChannel 1: Yes.\n\nChannel 0: but I think that's the impact. Well, I know that that's the impact of the Benelon concentrated in Australian equities fund. So what part of my plan would be to look at reviewing that and finding a potentially alternative better option as long as it suited your goals and objectives.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So they're tracking very, very close to each other.\n\nChannel 1: Yep.\n\nChannel 0: And if we took those fees away from QSuper, I think that would change it, reduce it a little bit more, and that'd be a little bit more aligned. But, yes, I can I did go and do that, and I just guess from that, do you have any questions?\n\nChannel 1: No. Thank you for doing that.\n\nChannel 0: No? No. That's okay. I'm I'm glad I could provide you with some peace of mind. So I would my action items would be to go and conduct some research and make sure that we review your portfolio.\n\nChannel 1: Yes.\n\nChannel 0: The next document in there is a Vanguard chart. Now I note you said visually. You like to see things visually. This is a great chart to look at investments wise.\n\nChannel 1: Yep.\n\nChannel 0: So it brings it down into different assets. You've got your estranged shares, international shares, property, bonds, cash. And what it is is it tracks over from 1995 through to 2025. The new one hasn't been released just yet. And it\n\nChannel 1: Yes.\n\nChannel 0: will show you how the different market all the different sectors, sorry, react. So along the top, you'll note that there's some significant events. For example, COVID is in there. So if you look at the COVID year, you'll see how the different markets reacted. And that\n\nChannel 1: Yeah.\n\nChannel 0: there is always this volatility of the ups and downs within the market. That's something that we can't avoid. We\n\nChannel 1: Yeah.\n\nChannel 0: just need to make sure that your portfolio is constructed in a manner that you are comfortable with it\n\nChannel 1: Yep.\n\nChannel 0: and that you have the time frame to withstand that volatility.\n\nChannel 1: Yep.\n\nChannel 0: So that's a really good document for you to have a look at, especially given you wanted to look at something visual. And if you have any questions after that, please\n\nChannel 1: Yep.\n\nChannel 0: just shoot me an email, give me a call, anything. I'm I'm available any\n\nChannel 1: Okay.\n\nChannel 0: time. The other document within there is our financial services guide. You would have seen this previously. This explains who we are, where we are located, our our fees. What else does it include?\n\nIf you're unhappy, how you can go around how you can disclose that disclose that. And if you're not happy with the services, the the next steps you can take.\n\nChannel 1: Mhmm.\n\nChannel 0: So that that's our financial services guide.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Sorry. I'm overloading you with so much information.\n\nChannel 1: Oh, no. No. No. I just I just got a little bit I don't know\n\nChannel 0: Yeah.\n\nChannel 1: what the word is. I I just feel like because I'm just a small person, we get forgotten\n\nChannel 0: Yeah.\n\nChannel 1: about\n\nChannel 0: Oh, I'm\n\nChannel 1: compared\n\nChannel 0: so\n\nChannel 1: to\n\nChannel 0: sorry that you do feel that way.\n\nChannel 1: compared\n\nChannel 0: I\n\nChannel 1: to,\n\nChannel 0: I'm\n\nChannel 1: you know, I was a big person investing\n\nChannel 0: no.\n\nChannel 1: a lot of money.\n\nChannel 0: Yeah. No. Yeah. Sharon, I can completely understand that. Let me reassure you that that's definitely not my approach.\n\nChannel 1: Yeah.\n\nChannel 0: As an adviser. I've been an adviser for, gosh, a really, really long time now. And let's just say twenty plus years. I our approach here at Oakview is making sure that we get the best outcome for clients.\n\nChannel 1: Yes.\n\nChannel 0: Not everyone is always in a great financial situation, and I can tell you as well that there have been times where I have been very concerned and stressed financially. So I do understand that, and I'm really, really sorry you feel that way. And I hope that I can I can try and bring that around so you don't feel that way because what I\n\nChannel 1: Yeah. Yeah. Oh, exactly. I mean and, like, this sounds not that I, like, will ever rely on this, you know, don't get me going. I say this as well, but mom\n\nChannel 0: Yeah?\n\nChannel 1: passed away, like, the thirty first of December last year.\n\nChannel 0: Yeah.\n\nChannel 1: And, like, somehow well, we were we we had a trust fund, but somehow it has been we've gotta wait till my stepfather passes now. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: that must have she must have I don't know how they managed to change it, but anyhow so, you know and that was a a a lot of money, so which would you'd put\n\nChannel 0: Okay.\n\nChannel 1: into\n\nChannel 0: Help.\n\nChannel 1: super as well, which is yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: would,\n\nChannel 0: I'm\n\nChannel 1: you\n\nChannel 0: sorry.\n\nChannel 1: know,\n\nChannel 0: You're\n\nChannel 1: also\n\nChannel 0: experiencing\n\nChannel 1: make a big\n\nChannel 0: that.\n\nChannel 1: difference too.\n\nChannel 0: Yeah. Yeah. There's so if when it comes to estates, it's always difficult to navigate, especially when it could help you financially.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Well, if you ever need any guidance in that respect or discussions, please reach out. And if if I can't help, maybe I might be able to put you on to someone who can.\n\nChannel 1: Yay.\n\nChannel 0: Okay. The the other the other documents contained within the review pack is the next couple actually is your ongoing fee arrangement. So if you wanted to continue to be a client of ours and receive advice,\n\nChannel 1: Yes.\n\nChannel 0: it's you I would need you to review this is one of the forms that does need signing electronically is fine in the document sent to you. And\n\nChannel 1: Yep.\n\nChannel 0: that fee is a percentage base fee of 1.65% estimated to be $71,710 and 78¢ per annum deducted monthly from your hub twenty four account. So once\n\nChannel 1: Yes.\n\nChannel 0: you've had a chance to review this and make a decision, I'd get I would ask that you sign that, please, and that will come back automatically to\n\nChannel 1: Yep.\n\nChannel 0: us when you do so. Within those documents as well, there's a hub twenty four change of details form. Now that is to update your new address. We're\n\nChannel 1: Yep.\n\nChannel 0: also gonna have to do a q super one for you also, which we will get to post the our review with\n\nChannel 1: Okay.\n\nChannel 0: a couple of other documents that I've noted that we may need to get from you. So\n\nChannel 1: Okay.\n\nChannel 0: I I have noted that your you don't have a beneficiary in your q super fund.\n\nChannel 1: Oh,\n\nChannel 0: So we'll\n\nChannel 1: I thought\n\nChannel 0: need\n\nChannel 1: it\n\nChannel 0: to\n\nChannel 1: was I thought it was my oh, okay.\n\nChannel 0: yeah. So in your q super with the balance with the statement that you sent through to me, I'm just scrolling to that. On page four, you don't have a nomination. So\n\nChannel 1: Oh,\n\nChannel 0: we can\n\nChannel 1: I thought\n\nChannel 0: definitely\n\nChannel 1: I had both\n\nChannel 0: help.\n\nChannel 1: my oh, okay.\n\nChannel 0: Yeah. Yeah. You do on Hub. You do on Hub twenty four, but not with QSuper. So we will make sure that we get that form to you to help you make sure that that's in place.\n\nChannel 1: So who have I got with with you guys?\n\nChannel 0: You have your children noted with us. So that's the the next point that I wanted to talk to you about. How old is Caitlin\n\nChannel 1: Yeah. Lachlan's 26. Peyton's 25.\n\nChannel 0: let's call it tax laws let's call it tax laws that are applicable to beneficiaries of a super fund super fund. So you've got your superannuation relevant tax laws and then the actual tax dependent laws for everybody.\n\nChannel 1: Yep.\n\nChannel 0: Within superannuation, you are unable to nominate adult children as beneficiaries, And, typically, it needs to be the legal personal representative, so that being your will or your estate, should I say. So we might need to get that updated and also look at the the will situation for you to make sure that that's addressed over time as well, get that\n\nChannel 1: Okay.\n\nChannel 0: in place.\n\nChannel 1: Yep.\n\nChannel 0: So what I'll do is I'll look at that. I'll when I send you through the email with all these forms, I'll put a little bit more detail in there to explain it to you so that it's clear. If you have any questions, you can come back to me.\n\nChannel 1: Okay.\n\nChannel 0: And the other item I noted too that we would need to do is update your address, your beneficiaries, is that we would I would just touch base with you in a few weeks oh, sorry, on Friday to see how you went with the the specialist post the surgery and the work, and\n\nChannel 1: Yep.\n\nChannel 0: then also understand a little bit better about your pay slip if you are gonna continue on work cover and how we can help, how we can look at helping, if we can, your deficit that and how long that might be likely to continue.\n\nChannel 1: Yeah. Yeah. Because I can't touch my super for that, can I?\n\nChannel 0: There are some there are some rules where you may be eligible to access some. The rules\n\nChannel 1: K.\n\nChannel 0: are very, very strict, so we'd need to have a better understanding of what the long term likelihood of you being off work for is,\n\nChannel 1: Yes.\n\nChannel 0: the the financial impact that's gonna occur to you. So I think we can definitely look at that as an option once we have a better understanding of your work arrangement moving forward post\n\nChannel 1: Yeah.\n\nChannel 0: your specialist appointment. So I will make that as a note\n\nChannel 1: So\n\nChannel 0: for you\n\nChannel 1: is\n\nChannel 0: that\n\nChannel 1: it all overwhelming for me?\n\nChannel 0: oh, Sharon, I'm so sorry. Yeah. It it is a lot. And and being in that period of uncertainty and not knowing about your return to work, that doesn't make things any easier.\n\nChannel 1: No. It's just you know, I've I've gone so so hard to get myself from being bankrupt to, you know, where I am today.\n\nChannel 0: Yeah.\n\nChannel 1: You know, and I just don't fall back again.\n\nChannel 0: No. And and we will do everything within our power to make sure that we help you and stay on track, and you've done so well getting to where you are that I understand that anxiety and the uncertainty that you're facing at the moment. So my role and our role as a team is to make sure that we help wherever we can and help you make the right decision to ensure that you stay on track and that we can help you in any way.\n\nChannel 1: Thank\n\nChannel 0: So\n\nChannel 1: you.\n\nChannel 0: I'm definitely gonna reach out to you on Friday to see how you're going, how you went with the specialist.\n\nChannel 1: Yep. Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: we're gonna stay in touch and make sure that everything anything that you need help with or advice that we're gonna make sure is is touched on as soon as possible.\n\nChannel 1: Okay. Lovely. Thank you.\n\nChannel 0: No. That's okay, Sharon. I'm so sorry you're that you're experiencing this. It's it's awful.\n\nChannel 1: Oh, I'm just\n\nChannel 0: And\n\nChannel 1: a talk.\n\nChannel 0: no. You're not at all. And do you know what? I can actually relate. My husband had a pretty bad accident last year, and he was off work for a significant period of time\n\nChannel 1: Yeah.\n\nChannel 0: on a reduced income, and it is extremely stressful. It is\n\nChannel 1: Yeah.\n\nChannel 0: not something that I you know, people people don't understand it until until you've been through it. So I can relate, and I I'm I'm definitely gonna stand by you and help you along the way. So\n\nChannel 1: Thank you.\n\nChannel 0: no. That's that's completely fine, Sharon. Is there anything that I can do today to help you with that? No. That's that's fine, Sharon.\n\nIs there anything that I can do today to help you?\n\nChannel 1: No. That's fine. I'll just go through that paperwork and, you know, do what I've gotta do and send it back to you.\n\nChannel 0: Yeah. Yep. Well, if even if you wanna give me a call on Thursday, feel free to and let me know how you went with a specialist. Otherwise, I'm gonna give you a call on Friday\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: check-in.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Alright.\n\nChannel 1: Yes.\n\nChannel 0: And you'll notice, I completely completely understand where you're coming from.\n\nChannel 1: I just think\n\nChannel 0: It\n\nChannel 1: it's,\n\nChannel 0: is\n\nChannel 1: you\n\nChannel 0: a lot.\n\nChannel 1: know yeah. It is a lot.\n\nChannel 0: Yeah.\n\nChannel 1: But, like, I've\n\nChannel 0: It's\n\nChannel 1: just I've just because I can't go, like, park downstairs because they're sweeping they're cleaning out our apartment block car passes.\n\nChannel 0: yeah.\n\nChannel 1: So I've just been with Bentley just over the park.\n\nChannel 0: Yeah.\n\nChannel 1: While I was talking to you, my leg is just stored up so much.\n\nChannel 0: Yeah. Are are you able to get back to your apartment and maybe put your leg up in?\n\nChannel 1: Oh, yeah. Yes. I just have to walk up a little hill, but it's fine. But I'll\n\nChannel 0: Yeah.\n\nChannel 1: just have to do that. But that's just why, like, the doctor said, you know, I may not be able to go back to work after Thursday. It might be another two or three weeks off work, which stresses me out because, again,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Yeah. It's\n\nChannel 1: it's all\n\nChannel 0: putting\n\nChannel 1: about\n\nChannel 0: financial pressure on you.\n\nChannel 1: absolutely.\n\nChannel 0: Yeah. Yep. Well, hopefully, you'll be able to go back to work in maybe some capacity being light duties or with your leg elevated. Hopefully, there'll be something there that he can help you with,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: but I think it's it's just waiting till Thursday to get that peace of mind and that clarity for you that's that's gonna be difficult.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah. Well, hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: Bentley keeps you nice and occupied and lots of cuddles and and and help you through this time until Thursday.\n\nChannel 1: Thank you very much.\n\nChannel 0: No. You're welcome, Sharon. If you need anything in the meantime, please call me. Otherwise, I'm gonna go away and do all those action items we talked about.\n\nChannel 1: Beautiful. Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: no. You're absolutely welcome, and I will speak to you on Friday.\n\nChannel 1: Okay. Perfect. Thank you so much for your time.\n\nChannel 0: You're welcome, Sharon. Thank you for your time.\n\nChannel 1: Thank you. See you.\n\nChannel 0: Bye. Yeah. Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.04697626829147339},{"text":"Sharon speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.04503989778459072}],"sentiment":"neutral","sentiment_score":0.04568535462021828,"channel":1,"num_words":3,"start":1.1999999,"end":2.5},{"sentences":[{"text":"Hi, Sharon.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1989641785621643},{"text":"It's Jenna.","start":3.6799998,"end":4.4,"sentiment":"neutral","sentiment_score":0.2381797730922699},{"text":"How are you?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2588688333829244}],"sentiment":"neutral","sentiment_score":0.23584205763680594,"channel":0,"num_words":7,"start":2.96,"end":5.2999997},{"sentences":[{"text":"Hello.","start":4.88,"end":5.38,"sentiment":"neutral","sentiment_score":0.004687963053584099},{"text":"Sorry.","start":5.52,"end":6.0,"sentiment":"neutral","sentiment_score":-0.12902280688285828},{"text":"I was just trying to get in the car park at home, but then they've changed they've got people cleaning it.","start":6.0,"end":12.645,"sentiment":"neutral","sentiment_score":-0.17275407236246837}],"sentiment":"neutral","sentiment_score":-0.1631378418887439,"channel":1,"num_words":23,"start":4.88,"end":12.645},{"sentences":[{"text":"Oh, gosh.","start":13.44,"end":14.115,"sentiment":"neutral","sentiment_score":-0.12497280538082123}],"sentiment":"neutral","sentiment_score":-0.12497280538082123,"channel":0,"num_words":2,"start":13.44,"end":14.115},{"sentences":[{"text":"So I had to go out, and then I lost you.","start":14.645,"end":17.625,"sentiment":"neutral","sentiment_score":-0.18939949843016538}],"sentiment":"neutral","sentiment_score":-0.18939949843016538,"channel":1,"num_words":11,"start":14.645,"end":17.625},{"sentences":[{"text":"No.","start":18.195,"end":18.515,"sentiment":"neutral","sentiment_score":-0.16438165307044983},{"text":"That's completely fine.","start":18.515,"end":19.955,"sentiment":"neutral","sentiment_score":0.0017140296598275526},{"text":"Do you want me are you in your home now, or would you like me to wait a few minutes or phone back","start":19.955,"end":25.474998,"sentiment":"neutral","sentiment_score":-0.036943860959423626}],"sentiment":"neutral","sentiment_score":-0.03736845800584113,"channel":0,"num_words":27,"start":18.195,"end":25.474998},{"sentences":[{"text":"No.","start":25.365,"end":25.605,"sentiment":"neutral","sentiment_score":-0.13182084262371063}],"sentiment":"neutral","sentiment_score":-0.13182084262371063,"channel":1,"num_words":1,"start":25.365,"end":25.605},{"sentences":[{"text":"again?","start":25.474998,"end":25.974998,"sentiment":"neutral","sentiment_score":-0.10958980023860931}],"sentiment":"neutral","sentiment_score":-0.10958980023860931,"channel":0,"num_words":1,"start":25.474998,"end":25.974998},{"sentences":[{"text":"I've just I had to park around the corner.","start":25.605,"end":27.445,"sentiment":"neutral","sentiment_score":-0.10992217395040724},{"text":"I'd have to just walk up the phone, but I can talk","start":27.445,"end":30.43,"sentiment":"neutral","sentiment_score":-0.06225438183173537}],"sentiment":"neutral","sentiment_score":-0.08268343559688046,"channel":1,"num_words":21,"start":25.605,"end":30.43},{"sentences":[{"text":"Okay.","start":30.21,"end":30.71,"sentiment":"neutral","sentiment_score":0.011241275817155838}],"sentiment":"neutral","sentiment_score":0.011241275817155838,"channel":0,"num_words":1,"start":30.21,"end":30.71},{"sentences":[{"text":"to you.","start":30.43,"end":30.59,"sentiment":"neutral","sentiment_score":0.047477126121520996},{"text":"That's fine.","start":30.59,"end":31.41,"sentiment":"neutral","sentiment_score":0.14286328107118607}],"sentiment":"neutral","sentiment_score":0.09517020359635353,"channel":1,"num_words":4,"start":30.43,"end":31.41},{"sentences":[{"text":"Okay.","start":31.89,"end":32.37,"sentiment":"neutral","sentiment_score":0.041093409061431885},{"text":"Well, I'm just gonna have to do the process again just because it's a new call and just let you know that our calls are recorded quality and coaching purposes.","start":32.37,"end":40.535,"sentiment":"neutral","sentiment_score":-0.007779823468687634},{"text":"Is that okay?","start":40.535,"end":41.434998,"sentiment":"neutral","sentiment_score":0.03739860653877258}],"sentiment":"neutral","sentiment_score":-0.002356043393614099,"channel":0,"num_words":34,"start":31.89,"end":41.434998},{"sentences":[{"text":"Yeah.","start":41.39,"end":41.63,"sentiment":"neutral","sentiment_score":0.04785006120800972},{"text":"Yeah.","start":41.63,"end":41.87,"sentiment":"neutral","sentiment_score":0.08015559613704681},{"text":"That's fine.","start":41.87,"end":42.61,"sentiment":"neutral","sentiment_score":0.1648433357477188},{"text":"Oh,","start":42.675,"end":43.175,"sentiment":"neutral","sentiment_score":0.3250199556350708}],"sentiment":"neutral","sentiment_score":0.15654245689511298,"channel":1,"num_words":5,"start":41.39,"end":43.175},{"sentences":[{"text":"Lovely.","start":43.095,"end":43.495,"sentiment":"positive","sentiment_score":0.4867408275604248},{"text":"Thank you.","start":43.495,"end":44.055,"sentiment":"positive","sentiment_score":0.5040869116783142},{"text":"And, Sharon, just your full name, date of birth, and address, please.","start":44.055,"end":47.434998,"sentiment":"neutral","sentiment_score":0.1319714765995741}],"sentiment":"neutral","sentiment_score":0.2052381580074628,"channel":0,"num_words":15,"start":43.095,"end":47.434998},{"sentences":[{"text":"so sorry.","start":48.515,"end":49.074997,"sentiment":"neutral","sentiment_score":-0.05683906748890877},{"text":"I was just sorry.","start":49.074997,"end":50.855,"sentiment":"neutral","sentiment_score":-0.0846781525760889}],"sentiment":"neutral","sentiment_score":-0.07539845754702885,"channel":1,"num_words":6,"start":48.515,"end":50.855},{"sentences":[{"text":"No.","start":52.695,"end":52.934998,"sentiment":"neutral","sentiment_score":-0.02486885152757168},{"text":"You're","start":52.934998,"end":53.13,"sentiment":"neutral","sentiment_score":0.0019191410392522812}],"sentiment":"neutral","sentiment_score":-0.0114748552441597,"channel":0,"num_words":2,"start":52.695,"end":53.13},{"sentences":[{"text":"Sharon Ann Russa, twenty five nine sixty nine.","start":53.074997,"end":55.715,"sentiment":"neutral","sentiment_score":0.009374643093906343},{"text":"220735 Burdette","start":55.715,"end":58.260002,"sentiment":"neutral","sentiment_score":0.019208936020731926}],"sentiment":"neutral","sentiment_score":0.011341501679271459,"channel":1,"num_words":10,"start":53.074997,"end":58.260002},{"sentences":[{"text":"right.","start":58.170002,"end":58.670002,"sentiment":"neutral","sentiment_score":0.01383073814213276}],"sentiment":"neutral","sentiment_score":0.01383073814213276,"channel":0,"num_words":1,"start":58.170002,"end":58.670002},{"sentences":[{"text":"Street, Albion.","start":58.260002,"end":59.08,"sentiment":"neutral","sentiment_score":0.01953740045428276}],"sentiment":"neutral","sentiment_score":0.01953740045428276,"channel":1,"num_words":2,"start":58.260002,"end":59.08},{"sentences":[{"text":"Beautiful.","start":60.09,"end":60.57,"sentiment":"positive","sentiment_score":0.47905853390693665},{"text":"Thanks so much for that, Sharon.","start":60.57,"end":62.11,"sentiment":"positive","sentiment_score":0.6264440814654032},{"text":"So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there.","start":63.45,"end":74.325005,"sentiment":"neutral","sentiment_score":0.22740408312529325},{"text":"It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit.","start":74.465004,"end":82.770004,"sentiment":"neutral","sentiment_score":0.12149080000817776}],"sentiment":"neutral","sentiment_score":0.23634694377749654,"channel":0,"num_words":59,"start":60.09,"end":82.770004},{"sentences":[{"text":"Oh, okay.","start":83.755005,"end":84.655,"sentiment":"neutral","sentiment_score":0.04572126641869545}],"sentiment":"neutral","sentiment_score":0.04572126641869545,"channel":1,"num_words":2,"start":83.755005,"end":84.655},{"sentences":[{"text":"If you don't have access to it, I can talk through it, and you can review them after the call.","start":88.19,"end":93.55,"sentiment":"neutral","sentiment_score":0.011253611464053393},{"text":"That's","start":93.55,"end":93.95,"sentiment":"neutral","sentiment_score":0.0541013740003109}],"sentiment":"neutral","sentiment_score":0.013293981108637084,"channel":0,"num_words":21,"start":88.19,"end":93.95},{"sentences":[{"text":"Yeah.","start":93.83,"end":94.07,"sentiment":"neutral","sentiment_score":0.08497056365013123}],"sentiment":"neutral","sentiment_score":0.08497056365013123,"channel":1,"num_words":1,"start":93.83,"end":94.07},{"sentences":[{"text":"completely","start":93.95,"end":94.45,"sentiment":"neutral","sentiment_score":0.13531610369682312}],"sentiment":"neutral","sentiment_score":0.13531610369682312,"channel":0,"num_words":1,"start":93.95,"end":94.45},{"sentences":[{"text":"Is that okay?","start":94.07,"end":95.049995,"sentiment":"neutral","sentiment_score":0.12297136336565018}],"sentiment":"neutral","sentiment_score":0.12297136336565018,"channel":1,"num_words":3,"start":94.07,"end":95.049995},{"sentences":[{"text":"fine.","start":94.590004,"end":95.090004,"sentiment":"neutral","sentiment_score":0.12278848886489868},{"text":"Yeah.","start":95.47,"end":95.79,"sentiment":"neutral","sentiment_score":0.1022648736834526},{"text":"Of course, it is.","start":95.79,"end":96.705,"sentiment":"neutral","sentiment_score":0.09969428926706314},{"text":"Of course, it is.","start":96.705,"end":98.405,"sentiment":"neutral","sentiment_score":0.06012237351387739},{"text":"But what I will start by doing, if it's okay with you, I'm just gonna run through a little bit of I know we went through some of the updated some of the information last week when we","start":99.505005,"end":110.785,"sentiment":"neutral","sentiment_score":0.057413990462296886}],"sentiment":"neutral","sentiment_score":0.06345940940082073,"channel":0,"num_words":48,"start":94.590004,"end":110.785},{"sentences":[{"text":"Yep.","start":110.585,"end":111.085,"sentiment":"neutral","sentiment_score":0.05476456135511398}],"sentiment":"neutral","sentiment_score":0.05476456135511398,"channel":1,"num_words":1,"start":110.585,"end":111.085},{"sentences":[{"text":"spoke, but I'm gonna go through in a little bit more detail if that's okay with you.","start":110.785,"end":114.72,"sentiment":"neutral","sentiment_score":0.05279369937146411},{"text":"Okay.","start":114.72,"end":115.22,"sentiment":"neutral","sentiment_score":0.079716756939888}],"sentiment":"neutral","sentiment_score":0.054289424791932106,"channel":0,"num_words":18,"start":110.785,"end":115.22},{"sentences":[{"text":"Yep.","start":114.810005,"end":115.310005,"sentiment":"neutral","sentiment_score":0.06262974441051483}],"sentiment":"neutral","sentiment_score":0.06262974441051483,"channel":1,"num_words":1,"start":114.810005,"end":115.310005},{"sentences":[{"text":"Sharon, what's your preferred salutation?","start":116.64,"end":118.5,"sentiment":"neutral","sentiment_score":0.07675486207008361},{"text":"Is it missus, miss, or miss?","start":118.56,"end":120.74,"sentiment":"neutral","sentiment_score":0.013851521691928307}],"sentiment":"neutral","sentiment_score":0.04244394913654436,"channel":0,"num_words":11,"start":116.64,"end":120.74},{"sentences":[{"text":"Oh, this 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growth investor.","start":772.08997,"end":779.695,"sentiment":"neutral","sentiment_score":0.07464956141570035}],"sentiment":"neutral","sentiment_score":0.07056984970612186,"channel":0,"num_words":21,"start":763.20996,"end":779.695},{"sentences":[{"text":"So that that means typically that you'd be exposed to allocation of roughly 80% of your funds to growth assets being shares, both international and Australian, property, and then 20% to defensive type assets being cash, term deposits, fixed interest.","start":779.755,"end":797.87,"sentiment":"neutral","sentiment_score":0.0519454775378108},{"text":"I've looked at both your hub 24 and your q super and your your asset allocation sitting just above the 80% mark for a growth asset with q super being a 2% ours being about 84%.","start":799.61,"end":817.94,"sentiment":"neutral","sentiment_score":0.09565015323460102},{"text":"So we can look at rebalancing that back 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moment.","start":893.845,"end":895.065,"sentiment":"neutral","sentiment_score":-0.07898124400526285},{"text":"So one of the questions is once our investments have been placed, how long would it be before you would need to access them?","start":895.44495,"end":901.625,"sentiment":"neutral","sentiment_score":-0.027797465833524864},{"text":"If your intended retirement was 65, we would say that's twenty seven and nine years.","start":901.925,"end":909.83,"sentiment":"neutral","sentiment_score":-0.029683259750405946}],"sentiment":"neutral","sentiment_score":-0.033216582611203194,"channel":0,"num_words":43,"start":893.845,"end":909.83},{"sentences":[{"text":"Yep.","start":910.445,"end":910.945,"sentiment":"neutral","sentiment_score":0.05048532411456108}],"sentiment":"neutral","sentiment_score":0.05048532411456108,"channel":1,"num_words":1,"start":910.445,"end":910.945},{"sentences":[{"text":"Do you think that's 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oh, sixty days is a long time.","start":1449.14,"end":1450.9,"sentiment":"negative","sentiment_score":-0.38299373334104364},{"text":"Oh, sorry.","start":1450.9,"end":1451.22,"sentiment":"negative","sentiment_score":-0.35589127242565155},{"text":"Ninety days long time not to have any income.","start":1451.22,"end":1453.32,"sentiment":"negative","sentiment_score":-0.47623229689068264}],"sentiment":"negative","sentiment_score":-0.4186729219826785,"channel":1,"num_words":22,"start":1449.14,"end":1453.32},{"sentences":[{"text":"Yeah.","start":1454.0549,"end":1454.5549,"sentiment":"neutral","sentiment_score":-0.1377144157886505},{"text":"Yep.","start":1454.695,"end":1455.195,"sentiment":"neutral","sentiment_score":-0.1037564054131508},{"text":"That would increase your premium, but we can help you have a look into that if you like and do some research as to 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okay.","start":1706.6549,"end":1707.475,"sentiment":"neutral","sentiment_score":0.15408147871494293}],"sentiment":"neutral","sentiment_score":0.15408147871494293,"channel":1,"num_words":2,"start":1706.6549,"end":1707.475},{"sentences":[{"text":"I noted that you're in the lifetime focus one.","start":1707.4651,"end":1711.405,"sentiment":"neutral","sentiment_score":0.0698590874671936}],"sentiment":"neutral","sentiment_score":0.0698590874671936,"channel":0,"num_words":9,"start":1707.4651,"end":1711.405},{"sentences":[{"text":"Mhmm.","start":1711.695,"end":1712.195,"sentiment":"neutral","sentiment_score":0.030087755993008617}],"sentiment":"neutral","sentiment_score":0.030087755993008617,"channel":1,"num_words":1,"start":1711.695,"end":1712.195},{"sentences":[{"text":"So what I did is I went and conducted some research and looked at the return for the 2526.","start":1711.7201,"end":1719.9801,"sentiment":"neutral","sentiment_score":0.02684463237069155},{"text":"So that because they only update it in financial years.","start":1720.1201,"end":1723.8201,"sentiment":"neutral","sentiment_score":0.013216799311339855}],"sentiment":"neutral","sentiment_score":0.022145379591604758,"channel":0,"num_words":29,"start":1711.7201,"end":1723.8201},{"sentences":[{"text":"Yes.","start":1723.99,"end":1724.49,"sentiment":"neutral","sentiment_score":0.03104575164616108}],"sentiment":"neutral","sentiment_score":0.03104575164616108,"channel":1,"num_words":1,"start":1723.99,"end":1724.49},{"sentences":[{"text":"That was the most recent one.","start":1724.52,"end":1726.4149,"sentiment":"neutral","sentiment_score":0.0043320149804155035},{"text":"So in this scenario, comparing QSuper to hub is difficult because they're not like for like, apples for 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it","start":1893.475,"end":1899.015,"sentiment":"neutral","sentiment_score":0.17385247310525492}],"sentiment":"neutral","sentiment_score":0.17385247310525492,"channel":0,"num_words":19,"start":1893.475,"end":1899.015},{"sentences":[{"text":"Yep.","start":1899.02,"end":1899.52,"sentiment":"neutral","sentiment_score":0.13670331239700317}],"sentiment":"neutral","sentiment_score":0.13670331239700317,"channel":1,"num_words":1,"start":1899.02,"end":1899.52},{"sentences":[{"text":"and that you have the time frame to withstand that 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please","start":1909.51,"end":1913.19,"sentiment":"neutral","sentiment_score":0.1999233497513665}],"sentiment":"positive","sentiment_score":0.37987645595304426,"channel":0,"num_words":31,"start":1903.27,"end":1913.19},{"sentences":[{"text":"Yep.","start":1912.9551,"end":1913.4551,"sentiment":"neutral","sentiment_score":0.07262017577886581}],"sentiment":"neutral","sentiment_score":0.07262017577886581,"channel":1,"num_words":1,"start":1912.9551,"end":1913.4551},{"sentences":[{"text":"just shoot me an email, give me a call, anything.","start":1913.19,"end":1916.09,"sentiment":"neutral","sentiment_score":0.09449595361948013},{"text":"I'm I'm available any","start":1916.5499,"end":1917.765,"sentiment":"neutral","sentiment_score":0.045488765463232994}],"sentiment":"neutral","sentiment_score":0.08049389986055237,"channel":0,"num_words":14,"start":1913.19,"end":1917.765},{"sentences":[{"text":"Okay.","start":1918.555,"end":1919.055,"sentiment":"neutral","sentiment_score":0.04614602029323578}],"sentiment":"neutral","sentiment_score":0.04614602029323578,"channel":1,"num_words":1,"start":1918.555,"end":1919.055},{"sentences":[{"text":"time.","start":1919.765,"end":1920.265,"sentiment":"neutral","sentiment_score":0.030745599418878555},{"text":"The other document within there is our financial services guide.","start":1920.965,"end":1924.245,"sentiment":"neutral","sentiment_score":0.03690348230302334},{"text":"You would have seen this previously.","start":1924.245,"end":1925.865,"sentiment":"neutral","sentiment_score":0.049871730928619705},{"text":"This explains who we are, where we are located, our our fees.","start":1927.205,"end":1933.59,"sentiment":"neutral","sentiment_score":0.048353870399296284},{"text":"What else does it include?","start":1935.73,"end":1936.95,"sentiment":"neutral","sentiment_score":0.04118017852306366}],"sentiment":"neutral","sentiment_score":0.04368112192434423,"channel":0,"num_words":34,"start":1919.765,"end":1936.95},{"sentences":[{"text":"If you're unhappy, how you can go around how you can disclose that disclose that.","start":1937.25,"end":1945.25,"sentiment":"neutral","sentiment_score":-0.20752576986948648},{"text":"And if you're not happy with the services, the the next steps you can take.","start":1945.25,"end":1949.5449,"sentiment":"neutral","sentiment_score":-0.17874971230824788}],"sentiment":"neutral","sentiment_score":-0.1931377410888672,"channel":0,"num_words":30,"start":1937.25,"end":1949.5449},{"sentences":[{"text":"Mhmm.","start":1949.68,"end":1950.18,"sentiment":"neutral","sentiment_score":-0.01130899414420128}],"sentiment":"neutral","sentiment_score":-0.01130899414420128,"channel":1,"num_words":1,"start":1949.68,"end":1950.18},{"sentences":[{"text":"So that that's our financial services 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this conversation, various speakers discuss the process of reviewing a document, finances, retirement plans, and risk profiles. They emphasize the importance of creating a portfolio in a manner that is comfortable with and offer assistance. The speakers also emphasize the need to update addresses and beneficiaries and provide a specialist appointment. The conversation ends with the speaker apologizing for the uncertainty of the return to work and reminding the customer to stay in touch."},"intents":{"segments":[{"text":"Thanks so much for that, Sharon. So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there. It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit.","start_word":177,"end_word":234,"intents":[{"intent":"Review document pack","confidence_score":0.016663935}]},{"text":"And just confirming your marital status, are you we've got it noted here that you're single. 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But would one of them be to get the would your goal also post this review be to ensure that the 10,000 remains in q super and we get the funds rolled over to your funds? Yeah.","start_word":2399,"end_word":2487,"intents":[{"intent":"Discuss q super balance","confidence_score":0.33463836},{"intent":"Discuss goal","confidence_score":0.018207122},{"intent":"Discuss q super amounts","confidence_score":0.00009271477}]},{"text":"And when at retirement at the age of 65, you had mentioned that you'd need about a thousand dollars per week in income. Would that be appropriate, or would it be more?","start_word":2616,"end_word":2647,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.5835933},{"intent":"Discuss income","confidence_score":0.07828459},{"intent":"Discuss debt costs","confidence_score":0.014704388}]},{"text":"have any debt, Yep. but, Yep. you know, depending on what, you know, what rental is. 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Mhmm.","start_word":2885,"end_word":2926,"intents":[{"intent":"Discuss cash flow analysis","confidence_score":0.2995217}]},{"text":"Re refinance the Balloon payment?","start_word":3069,"end_word":3073,"intents":[{"intent":"Discuss refinance option","confidence_score":0.013139378}]},{"text":"So what I'm gonna do is just put a a goal here that maybe next September, we so next review, we talk about the cash flow and see if we can help you get that debt paid down a little quicker. Yeah.","start_word":3173,"end_word":3214,"intents":[{"intent":"Review financial and financial goals","confidence_score":0.000014233445}]},{"text":"of the first ones within there is just a summary of your insurances and superannuation. We've got a hub 24 at about 104,000, and we have q super at about 86,000. Yes. With within q super, you have your life insurance at 57,600 and your TPD at the same amount and an income protection policy of $6,373 with a ninety day wait and a two year benefit period. 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So what part of my plan would be to look at reviewing that and finding a potentially alternative better option as long as it suited your goals and objectives.","start_word":4204,"end_word":4253,"intents":[{"intent":"Review benelon impact","confidence_score":0.06657836}]},{"text":"And if we took those fees away from QSuper, I think that would change it, reduce it a little bit more, and that'd be a little bit more aligned.","start_word":4266,"end_word":4294,"intents":[{"intent":"Assess fees reduction","confidence_score":0.0028054814}]},{"text":"I'm I'm glad I could provide you with some peace of mind. So I would my action items would be to go and conduct some research and make sure that we review your portfolio. Yes.","start_word":4326,"end_word":4360,"intents":[{"intent":"Conduct research","confidence_score":0.3440772}]},{"text":"So along the top, you'll note that there's some significant events. For example, COVID is in there. So if you look at the COVID year, you'll see how the different markets reacted. And that Yeah.","start_word":4448,"end_word":4482,"intents":[{"intent":"Highlight market events","confidence_score":0.00007052587}]},{"text":"just need to make sure that your portfolio is constructed in a manner that you are comfortable with it Yep.","start_word":4504,"end_word":4523,"intents":[{"intent":"Construct portfolio","confidence_score":0.09017589}]},{"text":"just shoot me an email, give me a call, anything. I'm I'm available any Okay. time.","start_word":4569,"end_word":4584,"intents":[{"intent":"Offer assistance","confidence_score":0.017847143}]},{"text":"If you're unhappy, how you can go around how you can disclose that disclose that. And if you're not happy with the services, the the next steps you can take. Mhmm.","start_word":4617,"end_word":4647,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.020361554},{"intent":"Complain","confidence_score":0.005687359}]},{"text":"I'm overloading you with so much information. Oh, no.","start_word":4658,"end_word":4666,"intents":[{"intent":"Provide information","confidence_score":0.10789546}]},{"text":"Sharon, I can completely understand that. Let me reassure you that that's definitely not my approach. Yeah. As an adviser.","start_word":4733,"end_word":4752,"intents":[{"intent":"Rereassure","confidence_score":0.030160328}]},{"text":"Not everyone is always in a great financial situation, and I can tell you as well that there have been times where I have been very concerned and stressed financially. So I do understand that, and I'm really, really sorry you feel that way. And I hope that I can I can try and bring that around so you don't feel that way because what I Yeah.","start_word":4790,"end_word":4856,"intents":[{"intent":"Explain situation","confidence_score":0.001431465}]},{"text":"that must have she must have I don't know how they managed to change it, but anyhow so, you know and that was a a a lot of money, so which would you'd put Okay. into Help.","start_word":4929,"end_word":4965,"intents":[{"intent":"Change payment method","confidence_score":0.00005036967}]},{"text":"And the other item I noted too that we would need to do is update your address, your beneficiaries, is that we would I would just touch base with you in a few weeks oh, sorry, on Friday to see how you went with the the specialist post the surgery and the work, and Yep.","start_word":5549,"end_word":5603,"intents":[{"intent":"Update address and beneficiaries","confidence_score":0.0048032994}]},{"text":"are very, very strict, so we'd need to have a better understanding of what the long term likelihood of you being off work for is, Yes. the the financial impact that's gonna occur to you. So I think we can definitely look at that as an option once we have a better understanding of your work arrangement moving forward post Yeah.","start_word":5680,"end_word":5740,"intents":[{"intent":"Understand work arrangements and financial impact","confidence_score":0.008654538}]},{"text":"And and we will do everything within our power to make sure that we help you and stay on track, and you've done so well getting to where you are that I understand that anxiety and the uncertainty that you're facing at the moment. So my role and our role as a team is to make sure that we help wherever we can and help you make the right decision to ensure that you stay on track and that we can help you in any way. Thank So you.","start_word":5829,"end_word":5917,"intents":[{"intent":"Provide advice and guidance on maintaining a track and maintain a steady financial track and make a decision on the return to work situation","confidence_score":9.395672e-17}]},{"text":"I'll just go through that paperwork and, you know, do what I've gotta do and send it back to you. Yeah.","start_word":6122,"end_word":6142,"intents":[{"intent":"Assist with paperwork","confidence_score":0.13643694}]},{"text":"Well, if even if you wanna give me a call on Thursday, feel free to and let me know how you went with a specialist. Otherwise, I'm gonna give you a call on Friday Yep. and Yep. check-in. Okay. Okay?","start_word":6144,"end_word":6183,"intents":[{"intent":"Check on progress","confidence_score":0.006960533}]},{"text":"And you'll notice, I completely completely understand where you're coming from. I just think It it's, is you a lot. know yeah. It is a lot. Yeah.","start_word":6186,"end_word":6212,"intents":[{"intent":"Understand health concerns","confidence_score":0.0002690239}]},{"text":"Are are you able to get back to your apartment and maybe put your leg up in? Oh, yeah.","start_word":6265,"end_word":6283,"intents":[{"intent":"Get back to work","confidence_score":0.008974708}]},{"text":"It's it's all putting about financial pressure on you. absolutely.","start_word":6347,"end_word":6356,"intents":[{"intent":"Discuss absence of financial pressure","confidence_score":0.000010559511}]}]},"sentiments":{"segments":[{"text":"Hello. Sharon speaking. Hi, Sharon. It's Jenna. How are you? Hello. Sorry. I was just trying to get in the car park at home, but then they've changed they've got people cleaning it. Oh, gosh. So I had to go out, and then I lost you. No. That's completely fine. Do you want me are you in your home now, or would you like me to wait a few minutes or phone back No. again? I've just I had to park around the corner. I'd have to just walk up the phone, but I can talk Okay. to you. That's fine. Okay. Well, I'm just gonna have to do the process again just because it's a new call and just let you know that our calls are recorded quality and coaching purposes. Is that okay? Yeah. Yeah. That's fine.","start_word":0,"end_word":138,"sentiment":"neutral","sentiment_score":-0.03441476449370384},{"text":"Oh, Lovely. Thank you.","start_word":139,"end_word":142,"sentiment":"positive","sentiment_score":0.4430234432220459},{"text":"And, Sharon, just your full name, date of birth, and address, please. so sorry. I was just sorry. No. You're Sharon Ann Russa, twenty five nine sixty nine. 220735 Burdette right. Street, Albion.","start_word":143,"end_word":175,"sentiment":"neutral","sentiment_score":0.03737909346818924},{"text":"Beautiful. Thanks so much for that, Sharon.","start_word":176,"end_word":182,"sentiment":"positive","sentiment_score":0.5830974578857422},{"text":"So I'm going to hit send on a document pack that's gonna be sent to your email when you get inside and have a chance to open it, it should be there. It will come from OdooSign, and it's just the review pack that we're gonna talk through in a little bit. Oh, okay. If you don't have access to it, I can talk through it, and you can review them after the call. That's Yeah. completely Is that okay? fine. Yeah. Of course, it is. Of course, it is. But what I will start by doing, if it's okay with you, I'm just gonna run through a little bit of I know we went through some of the updated some of the information last week when we Yep. spoke, but I'm gonna go through in a little bit more detail if that's okay with you. Okay. Yep. Sharon, what's your preferred salutation? Is it missus, miss, or miss?","start_word":183,"end_word":341,"sentiment":"neutral","sentiment_score":0.09490607678890228},{"text":"Oh, this is fine. Miss yep. Beautiful.","start_word":342,"end_word":348,"sentiment":"positive","sentiment_score":0.40653517842292786},{"text":"And do your middle name, I know you said that before. Can you spell that for me, please? L e a, n n, e. L e a, n n, e e Yep. n.","start_word":349,"end_word":381,"sentiment":"neutral","sentiment_score":0.04064171388745308},{"text":"Beautiful.","start_word":382,"end_word":382,"sentiment":"positive","sentiment_score":0.3676561117172241},{"text":"And just confirming your marital status, are you we've got it noted here that you're single. Is that still the case? Yes. Yep. And your email address is Sharon_r1@Hotmail.com? Yep.","start_word":383,"end_word":412,"sentiment":"neutral","sentiment_score":0.07938560843467712},{"text":"Beautiful. And we updated your address to Unit 2207 last week, so that's fantastic.","start_word":413,"end_word":426,"sentiment":"positive","sentiment_score":0.5928969979286194},{"text":"Yes. Your dependents, do you have two daughters? Is that right? A son and a daughter. Oh, a son and a daughter. Sorry. My apologies. That's okay. Son and daughter. And we've got your next of kin as your daughter, Caitlin. Is that correct? Yes. So she's actually Caitlin Baker now. She's been married. Caitlin Baker.","start_word":427,"end_word":482,"sentiment":"neutral","sentiment_score":0.021259155124425888},{"text":"Beautiful. Congratulations.","start_word":483,"end_word":484,"sentiment":"positive","sentiment_score":0.469871461391449},{"text":"When did that happen? April. Oh, that's not too long April. ago. That's lovely. Yeah. And just confirming her phone number ends in 409. That's correct. Yes. Beautiful. Now moving on to you more personally, I know that you've just had ankle surgery, Yep. but I just need to get some details on your usual occupation because I don't have anything listed here. What is yeah. I'm just gonna double check with you. What is your usual occupation? Oh. Admin officer. Administration. Beautiful. And do you I have here employer name as Royal Business Brisbane. Is that correct? No. The Royal Women's Hospital Brisbane. Well, Yep. sorry. Royal Women's The and yes. yes. I know. Sorry. That's obviously So Royal Brisbane and Women's Hospital. I've been thinking myself. yeah. Women's hospital. Oh, beautiful. Okay. And do you remember when you started there or roughly what year? 2017. I think it was the 10/05/2017. Oh, wow. You got a great memory. And your employment status, full time, part time, Full casual? full time. Full time. Yep. And your average hours worked per week? Forty hours a week. Forty.","start_word":485,"end_word":671,"sentiment":"neutral","sentiment_score":0.03207464516162872},{"text":"Beautiful. Thanks for that, Sharon.","start_word":672,"end_word":676,"sentiment":"positive","sentiment_score":0.6652034521102905},{"text":"Now we had your income previously listed as 90,000 on when you're not on work cover. Is that correct, or would that need to be updated? Oh, it's rough. It's about that. Yeah. I don't Okay. even know. I haven't even looked at my tax this year, actually. So it might be about 85 Okay. Alright. And when I you know do. that you were going to get a pay slip that would hopefully show your work cover income. Did that occur? What? Sorry? I know that you thought that you from our last converse from our conversation last week that you're expecting to receive a payslip that kinda gave you an indication of what your work cover income may be. Did you receive that? Oh, so no. So all they do is they just pay 85% of my wage. Okay. So I don't get any extra money. So I'm actually out of pocket, putting Yeah. on work cover. Yeah. Okay. So would that be 85% of the 85,000? I don't know how they work it out. I'm really sorry. Yeah. No. That's okay. We can if I mean, we can touch base on that later if if we need to. So I think they paid me 17 Yep. $100 for a fortnight, Okay.","start_word":677,"end_word":890,"sentiment":"neutral","sentiment_score":-0.06727428734302521},{"text":"which is disgusting because, you know, I normally get paid $4,000, but anyhow Yeah.","start_word":891,"end_word":904,"sentiment":"negative","sentiment_score":-0.378699004650116},{"text":"And you're not sure when you'll get back yet, are you? Because your appointment's on Thursday. yep. Correct. Okay. Alright. Well, hopefully, it's not too too long.","start_word":905,"end_word":931,"sentiment":"neutral","sentiment_score":-0.09463737905025482},{"text":"That's not ideal.","start_word":932,"end_word":934,"sentiment":"negative","sentiment_score":-0.5002648830413818},{"text":"What would be your expenditure per week? Also at night, if that's how you many So Fortnite yep. oh, no. Probably $2 a Fortnite. Maybe a little bit more. Yeah. No. It's gonna be more So than that. Probably 2 and a half a fortnight. Yep. Alright. So we're gonna be looking at a bit of a bit of a deficit while you're on work Oh, yeah. cover. Yeah. That payslip they sent you, was that for a full fortnight of work cover or, like, a pro pro rata period? No. Just for a fortnight. For this yeah. Yeah. Fortnight. Okay. Okay. And of at the moment, while you're on work cover, you won't be able to do any any savings that you were possibly doing.","start_word":935,"end_word":1060,"sentiment":"neutral","sentiment_score":-0.09751241015536444},{"text":"No.","start_word":1061,"end_word":1061,"sentiment":"negative","sentiment_score":-0.34240084886550903},{"text":"Because I mean, Yeah.","start_word":1062,"end_word":1065,"sentiment":"neutral","sentiment_score":-0.3053511381149292},{"text":"I really couldn't save anyhow because my rent's gone up to $650 a week, and Yeah. all your expenses and everything, you just you got no time. You got no nothing to save.","start_word":1066,"end_word":1098,"sentiment":"negative","sentiment_score":-0.5710710287094116},{"text":"Yeah. No. Of course. Alright. Okay. I'm just gonna make a couple little notes on that for me to refer back to. And your employer, are they paying the normal legislative super guarantee amount? No. I no? Okay. Do you get a little bit more? Sorry. For work cover? No. Sorry. For your super, just normally with your your normal employment. So, again, moving away from work cover, do Oh, you yeah. usually They pay. Yeah. the 12%? Yep. And then And I I know Yeah. Yeah. Do a little bit of. yeah. Yeah. Well, you can is that amount still 160 per fortnight? Yeah. Do you think you'll continue that while on work cover? Well, I'll see what happens on Thursday when I get back to the doctor. He may say I'm allowed to go back to work and I just have to you know, I don't know. So, Yeah. no, if I can't, that that money is gonna be helpful for me.","start_word":1099,"end_word":1262,"sentiment":"neutral","sentiment_score":-0.06736822426319122},{"text":"But I think if I stop it, it's gonna take a while for them to stop it.","start_word":1263,"end_word":1279,"sentiment":"negative","sentiment_score":-0.38292860984802246},{"text":"Yeah. It won't Okay. stop straight away. Okay. I'm just gonna make note of So that I guess if I tell them today I wanna longer. stop it temporarily, Yep. it may coming forth next fortnight. I can't Yep. guarantee that. Yeah. Okay. Alright. Well, we'll keep we'll keep updated on that, and I might touch base with you Mhmm. early next week to see how you went with the doctor. Or even on Friday, I'll just touch in and see how you went, Yeah. and we can have a look at things from there. We have your assets as your Mazda CX three. Is that still current? Yep. And we've got that valued at about 43,000. Yes. And I About that. yep. And the it's under a novated lease. Is that still correct? Yes. With the pay the debt being 16,200? Is it what? Sorry. The debt noted as 16,200, is that reduced at all? My loan. Yes. Is that the Nevada lease loan you're talking about? Sorry. Yes. Yes. Yep. I couldn't tell you. I have to go into the paperwork and have a look. Can't match a o. Okay. I might send an email for that just to get that information post our meeting, if that's okay. Mhmm. Alright.","start_word":1280,"end_word":1491,"sentiment":"neutral","sentiment_score":0.028330716181476163},{"text":"Beautiful.","start_word":1492,"end_word":1492,"sentiment":"positive","sentiment_score":0.4157068133354187},{"text":"I also have a personal loan here of consolidated debt for 18,000. Is that still current? It's still current. Yep. Still 18? It might be down to about 12 Twelve. Beautiful. And we had an asset here of coin spot. maybe. Is that still Of current? sorry. Of what? Sorry. It kept cutting out. Oh, no. That's okay. My apologies. Coin spot? Does that sound accurate? Oh, no. There's nothing in that now with all the everything that's going on. Yep. Okay. That's no worries How much at did all. you say was in there? 200 when we last Oh, yeah. No. There's nothing in there now. It's probably about $20 if that okay. Beautiful. Do you have any other assets that you have or debts? no. No. Okay. And have you ever been declared bankrupt? Sorry that I have to ask that question. I have years and years and years ago. Yeah. Probably fifteen years ago or Okay. And that's all been more. That's cleared? all being cleared. Yep. Okay. Beautiful. Alright. And are you a smoker? Nope. Nope. Do you take any medication regularly? No. No. Do you have private health insurance? I do. Yeah. Who's Beeper. that with? Rupert.","start_word":1493,"end_word":1694,"sentiment":"neutral","sentiment_score":-0.028349825310161208},{"text":"Lovely.","start_word":1695,"end_word":1695,"sentiment":"positive","sentiment_score":0.5394548177719116},{"text":"And for significant health injury health issues or injuries, I've just put your ankle surgery here. Is there anything else that you can think of? No. No. No worries at all. And I note that the last time we spoke that you didn't have a will or power of attorney in place. Is has that changed at all? Yep. No? Okay. Alright. Okay. With your approach to risk, so your investment risk, we currently have you as a growth investor. So that that means typically that you'd be exposed to allocation of roughly 80% of your funds to growth assets being shares, both international and Australian, property, and then 20% to defensive type assets being cash, term deposits, fixed interest. I've looked at both your hub 24 and your q super and your your asset allocation sitting just above the 80% mark for a growth asset with q super being a 2% ours being about 84%. So we can look at rebalancing that back down. But before we did, I just wanted to make sure run through our risk profile questionnaire with you just to make sure that you're comfortable with that, Mhmm. a growth risk profile. So just the questions are is, what is the most aggressive investment you have ever made? Direct shares, managed funds, an investment property, your own home, or a high interest bank account? Oh, just whatever. Isn't not nothing, basically. Yeah. So in your super fund at the moment, you've got managed funds. Mhmm. So that would be probably appropriate. Would you agree that that's the most aggressive that you've made? Yeah. Yeah. Sorry. Some of these questions are a little difficult Yeah. at times. Like, I just don't I don't understand any of this. That's okay. I wanted to check with you because this will help me answer my question. The next question, your intended retirement age, is that still 65? Yeah. It looks like I'll probably have to go 75, but anyhow. Okay. So 60 if we if we look at 65 even, that's about nine years away Mhmm. at the present moment. So one of the questions is once our investments have been placed, how long would it be before you would need to access them? If your intended retirement was 65, we would say that's twenty seven and nine years. Yep. Do you think that's correct? Yeah. Yes.","start_word":1696,"end_word":2093,"sentiment":"neutral","sentiment_score":0.007475819497196069},{"text":"Beautiful.","start_word":2094,"end_word":2094,"sentiment":"positive","sentiment_score":0.38923799991607666},{"text":"Another question. Yep. This one's more about your feelings. No wrong or right answer. How would you feel if within a six month period your portfolio decreased by 20% just due to the general trends in the financial market? So you would have seen your portfolio fluctuate over the years that you've had it. Yep. Option and stop avoid future losses? What option and stop avoid future losses? What do you think your reaction would be? I I really I couldn't tell you. I just don't know enough about anything Yeah. like that. Previously, you answered hold and wait. So are you comfortable to keep that there? Possibly. Yeah. Yeah. Okay. And being a growth investor, the return for a growth investor is typically between the seven to 9% return per annum. Would you is that what you would expect? Again, Or I have would no you? idea. Yeah. No. That's okay. Right. I'm sorry. I just don't Okay. yeah. Well, last last time, you had between four to 6%. Is that what you would continue to expect? Again, I don't I really don't know. Okay. That's fine, I I Sharon. just Thank don't you. no one's really sat down Yeah. and gone through anything, like and without me visualizing it, I can't. Yeah. Yeah. No. Of course, I can probably ask these questions in a different way as we work through the review if you like. Does that sound okay? Sure. Yeah. No worries. And then I just wanna pivot back quickly to your goals and objectives just to check what they were last time and make sure that we're they're still appropriate or they might have changed. So with your superannuation, your previous goal was to consolidate and manage your super more effectively. Is that still applicable? Yeah. I guess so. Yeah. I know from our conversation last week, you also wanted to look at there was some concern you had with the q super not being rolled over and there was a larger balance. So I do have that to discuss with you and the returns as comparable as best as I can. But would one of them be to get the would your goal also post this review be to ensure that the 10,000 remains in q super and we get the funds rolled over to your funds? Yeah. Like I said before that I know that when Mhmm. I do the look at the difference between last year or the one year to the next year, my two super brings Yep. in more money. I get Yep. Alright. Let's I've got that definite I've got all those figures there definitely to go over with you. So because I do remember from our chat last week that that was something that we definitely needed to talk about. yes. So I'll pivot to that in a moment. I'll just finish off the goals. Another one was that you would want to purchase your own your own home and get out of the rental market. Is that still No.","start_word":2095,"end_word":2605,"sentiment":"neutral","sentiment_score":-0.012838658018296478},{"text":"No. It's something not gonna that happen.","start_word":2606,"end_word":2612,"sentiment":"negative","sentiment_score":-0.517332911491394},{"text":"no. No. Okay. And when at retirement at the age of 65, you had mentioned that you'd need about a thousand dollars per week in income. Would that be appropriate, or would it be more? It's probably gonna be more than that now. Yeah. Do you have any idea? I have no idea. I mean, hopefully, by then, I'll be out of debt. I won't Yes. have any debt, Yep. but, Yep. you know, depending on what, you know, what rental is. Like, I'm paying $6.50 a week Yeah. now in rent, so a thousand dollars is not gonna cover. No. No. Oh, okay. Do you know outside of rent what your other expenses are? Only So because of all the it debt that I'm in. It's you know, it's probably I don't know. Maybe a thousand dollars a week. Yep. and that's after all your the if you were debt free. Okay. Alright.","start_word":2613,"end_word":2766,"sentiment":"neutral","sentiment_score":-0.12950566411018372},{"text":"Beautiful.","start_word":2767,"end_word":2767,"sentiment":"positive","sentiment_score":0.459693044424057},{"text":"I think I've got I've, you know, I've got this. I'm paying off Afterpay and you know? So Okay. Much do you have in your Afterpay debt wise? oh, I think I owe $400. Not Oh, much.","start_word":2768,"end_word":2804,"sentiment":"neutral","sentiment_score":0.017193054780364037},{"text":"beautiful.","start_word":2805,"end_word":2805,"sentiment":"positive","sentiment_score":0.44143110513687134},{"text":"I mean, I guess Yep.","start_word":2806,"end_word":2810,"sentiment":"neutral","sentiment_score":0.19267672300338745},{"text":"it is, Nice. That's fine. That's fine. That's fine.","start_word":2811,"end_word":2819,"sentiment":"positive","sentiment_score":0.3999865353107453},{"text":"but Did you want to look at a plan to pay off the debts that you do have quicker, or or are you happy to manage that yourself? Well, like, to pay off quicker, it means I'm gonna pay more money every week or every Yes. fortnight, which means I'm gonna be out of pocket myself, and I'm gonna struggle. Yep. Yeah. Yep. That's okay. So maybe we could look at a when you're back at work, potentially, we could look at a a cash flow analysis and help you see if we can help you achieve that goal of being completely debt free by retirement. Mhmm. And it doesn't it doesn't when we say, you know, accelerate your repayment of debt, it doesn't have to be, like, over a two year period. For example, the the personal loan could have a five year term remaining on it, and we might be able to bring that down to three years if we increase it slightly. So we can have a look at those things, Yes. but we'll wait till you're in a position to actually do that and you're off work cover and you've caught up a little bit Yeah. before we do that. I mean, I know, like, next September, I own my car, so there won't be that, you know, $575 a fortnight coming out. Yeah. Okay. So And that's next September. yeah. But Beautiful. then but then I have to, obviously what do you call it? Re refinance the Balloon payment? the balloon payment, Yep. which I guess is, you know, it's it's only gonna be $8. Okay. Well, we could maybe what we could maybe do is look at that then in September next Yeah.","start_word":2820,"end_word":3108,"sentiment":"neutral","sentiment_score":0.018210265785455704},{"text":"year and see what we can what plan we can come up with to help you achieve that.","start_word":3109,"end_word":3126,"sentiment":"positive","sentiment_score":0.486195832490921},{"text":"Yeah. I mean, I hope I'm trying not to I'm gonna pay off this Afterpay, and Yep. then, hopefully, I just don't have I'm just gonna cancel it. And then what I Yep. don't have, I just I don't have a simple. Yep. Okay.","start_word":3127,"end_word":3170,"sentiment":"neutral","sentiment_score":-0.1980125457048416},{"text":"Alright. Beautiful. So what I'm gonna do is just put a a goal here that maybe next September, we so next review, we talk about the cash flow and see if we can help you get that debt paid down a little quicker.","start_word":3171,"end_word":3213,"sentiment":"positive","sentiment_score":0.5033025145530701},{"text":"Yeah.","start_word":3214,"end_word":3214,"sentiment":"neutral","sentiment_score":0.07803541421890259},{"text":"But there's no significant need right now given your current situation with your health and no no clear path as to when you're gonna be able to return to work yet.","start_word":3215,"end_word":3245,"sentiment":"negative","sentiment_score":-0.3840504288673401},{"text":"Yep. Okay. So what I'll do now is I'll just pivot over to the documents, which you'll be able to review post our phone call. Yep. As I mentioned, it will come from OdooSign, and there are a few documents within this. It will ask you to sign when you're ready, but it won't won't let you sign until you've reviewed all the documents. So one Yes. of the first ones within there is just a summary of your insurances and superannuation. We've got a hub 24 at about 104,000, and we have q super at about 86,000. Yes. With within q super, you have your life insurance at 57,600 and your TPD at the same amount and an income protection policy of $6,373 with a ninety day wait and a two year benefit period. Yeah. I tried changing that date years ago, like, probably eighteen months ago, Yeah? and it wouldn't let me change it for some reason. What what did you try to change it to? Like, for thirty days. Okay. But when I looked To check.","start_word":3246,"end_word":3424,"sentiment":"neutral","sentiment_score":-0.0003305019636172801},{"text":"it up, I thought, oh, sixty days is a long time. Oh, sorry. Ninety days long time not to have any income.","start_word":3425,"end_word":3446,"sentiment":"negative","sentiment_score":-0.4104411900043487},{"text":"Yeah. Yep. That would increase your premium, but we can help you have a look into that if you like and do some research as to why. Mhmm. Yep. Okay. I will just make a note of that. Okay. So what I'm going to do Let me stop with the dog. sorry? So I was just talking to the dog.","start_word":3447,"end_word":3506,"sentiment":"neutral","sentiment_score":0.00803257261092464},{"text":"Oh, you're absolutely fine. You're absolutely fine.","start_word":3507,"end_word":3513,"sentiment":"positive","sentiment_score":0.4561721086502075},{"text":"Okay. So one of the other documents within the review pack as well is the performance of hub twenty four. There's two in there, the twelve month and six month period. Mhmm. The twelve month period is from yesterday through to twelve months ago, and the annualized return was 4.5. Uh-huh. Yes. So lower than your two super, definitely. And the the main reason being is we've had a fund in there called the Benelon concentrated Australian equities fund. That fund has been reviewed by our investment committee. And Yep. it's not that the Australian share market has performed badly. It's more the approach that the investment manager has taken. So rather than being invested in, say, the bank the the bank stock, for example, which have performed quite well, Yep. their their investment philosophy is is that they chase under undervalued companies that they feel have Okay. untapped growth. So their philosophy hasn't really hit the mark in the last twelve plus months. So our Yep. investment committee has said that we want to look at alternatives for that when we speak with our clients. So that's Yep. the first thing I wanted to tap into is that if you're comfortable for me to look at alternatives for the Bennelong Fund. Yep.","start_word":3514,"end_word":3726,"sentiment":"neutral","sentiment_score":0.023775147274136543},{"text":"That'd be great. Beautiful.","start_word":3727,"end_word":3730,"sentiment":"positive","sentiment_score":0.5345245599746704},{"text":"And then looking at the rest of your policy your your policy your portfolio. Sorry. Yep. You have a number of ETFs. So you've got some exposure to the cyber AI type security. Mhmm. Has performed very well in the last twelve months. Again, that's a bit of a niche market, but also a very popular one at the moment, I'm sure you can imagine. Yes. It's we would expect a little bit more volatility with that type of investment given its niche in nature. Good Yep.","start_word":3731,"end_word":3817,"sentiment":"neutral","sentiment_score":0.06420334428548813},{"text":"a good a great diversification across the international shares Mhmm.","start_word":3818,"end_word":3827,"sentiment":"positive","sentiment_score":0.4877174198627472},{"text":"being Europe, Asia, US, and we've also got some fixed interest assets. So what Yep. in in saying that, I'd probably like to have a look at your portfolio in full and make sure that it is, as I mentioned, it is a little bit hit top heavy on the growth assets, which we would maybe look to rebalance and bring back down to the 80% mark. Yep. But, as long as you're happy for me to do that, I can go and investigate that further. Yep.","start_word":3828,"end_word":3914,"sentiment":"neutral","sentiment_score":0.10216066241264345},{"text":"That'd be good. Fantastic.","start_word":3915,"end_word":3918,"sentiment":"positive","sentiment_score":0.6465926170349121},{"text":"And then the next document in there is the six months return. So we've included that with hub twenty four to just give you further information. So at the moment, at the six month mark, the portfolio is tracking at 3.46%. So it's coming back on track, but that's just as an information piece for you. Yep. Okay. Now when we looked at the q super, the statement you sent through to me, thank you for doing that, That's okay. I noted that you're in the lifetime focus one. Mhmm. So what I did is I went and conducted some research and looked at the return for the 2526. So that because they only update it in financial years. Yes. That was the most recent one. So in this scenario, comparing QSuper to hub is difficult because they're not like for like, apples for apples. Yes. So I've done the best I can. Yep. So the return for q super in the lifetime focus one was 7.89% for the 2526 financial year. And what I did with the hub '24, I went and generated a report for that same exact financial year being 2526 so I could compare as close as possible. Yep. The q for one, the only note is that they that's including fees except for the administration fees that are charged. So Right. there is a little bit of fee to be duck deducted from the 7.89%, but not a lot. Okay. The hub '24 return for the same year was 7.67 percent. So it was and that that that's post fee or net of fees, I should say. So there is a little bit of a difference. It's very marginal, Yes. but I think that's the impact. Well, I know that that's the impact of the Benelon concentrated in Australian equities fund. So what part of my plan would be to look at reviewing that and finding a potentially alternative better option as long as it suited your goals and objectives. Yes. Yep. So they're tracking very, very close to each other. Yep. And if we took those fees away from QSuper, I think that would change it, reduce it a little bit more, and that'd be a little bit more aligned. But, yes, I can I did go and do that, and I just guess from that, do you have any questions? No. Thank you for doing that. No? No. That's okay.","start_word":3919,"end_word":4325,"sentiment":"neutral","sentiment_score":0.06846073443751956},{"text":"I'm I'm glad I could provide you with some peace of mind.","start_word":4326,"end_word":4337,"sentiment":"positive","sentiment_score":0.6260645985603333},{"text":"So I would my action items would be to go and conduct some research and make sure that we review your portfolio. Yes. The next document in there is a Vanguard chart. Now I note you said visually. You like to see things visually.","start_word":4338,"end_word":4381,"sentiment":"neutral","sentiment_score":0.20659798383712769},{"text":"This is a great chart to look at investments wise.","start_word":4382,"end_word":4391,"sentiment":"positive","sentiment_score":0.4727286696434021},{"text":"Yep. So it brings it down into different assets. You've got your estranged shares, international shares, property, bonds, cash. And what it is is it tracks over from 1995 through to 2025. The new one hasn't been released just yet. And it Yes. will show you how the different market all the different sectors, sorry, react. So along the top, you'll note that there's some significant events. For example, COVID is in there. So if you look at the COVID year, you'll see how the different markets reacted. And that Yeah. there is always this volatility of the ups and downs within the market. That's something that we can't avoid. We Yeah. just need to make sure that your portfolio is constructed in a manner that you are comfortable with it Yep. and that you have the time frame to withstand that volatility. Yep.","start_word":4392,"end_word":4535,"sentiment":"neutral","sentiment_score":0.07074297219514847},{"text":"So that's a really good document for you to have a look at, especially given you wanted to look at something visual.","start_word":4536,"end_word":4557,"sentiment":"positive","sentiment_score":0.4478374123573303},{"text":"And if you have any questions after that, please Yep. just shoot me an email, give me a call, anything. I'm I'm available any Okay. time. The other document within there is our financial services guide. You would have seen this previously. This explains who we are, where we are located, our our fees. What else does it include? If you're unhappy, how you can go around how you can disclose that disclose that. And if you're not happy with the services, the the next steps you can take. Mhmm. So that that's our financial services guide. Okay. Perfect. Sorry. I'm overloading you with so much information. Oh, no. No. No. I just I just got a little bit I don't know Yeah. what the word is. I I just feel like because I'm just a small person, we get forgotten Yeah. about Oh, I'm compared so to sorry that you do feel that way. compared I to, I'm you know, I was a big person investing no.","start_word":4558,"end_word":4725,"sentiment":"neutral","sentiment_score":-0.10798746524822143},{"text":"a lot of money.","start_word":4726,"end_word":4729,"sentiment":"negative","sentiment_score":-0.33925652503967285},{"text":"Yeah. No. Yeah. Sharon, I can completely understand that.","start_word":4730,"end_word":4738,"sentiment":"neutral","sentiment_score":-0.17725996673107147},{"text":"Let me reassure you that that's definitely not my approach.","start_word":4739,"end_word":4748,"sentiment":"negative","sentiment_score":-0.435664176940918},{"text":"Yeah. As an adviser. I've been an adviser for, gosh, a really, really long time now. And let's just say twenty plus years. I our approach here at Oakview is making sure that we get the best outcome for clients. Yes. Not everyone is always in a great financial situation, and I can tell you as well that there have been times where I have been very concerned and stressed financially.","start_word":4749,"end_word":4819,"sentiment":"neutral","sentiment_score":-0.059540048241615295},{"text":"So I do understand that, and I'm really, really sorry you feel that way.","start_word":4820,"end_word":4833,"sentiment":"negative","sentiment_score":-0.4857223331928253},{"text":"And I hope that I can I can try and bring that around so you don't feel that way because what I Yeah. Yeah. Oh, exactly. I mean and, like, this sounds not that I, like, will ever rely on this, you know, don't get me going. I say this as well, but mom Yeah? passed away, like, the thirty first of December last year. Yeah. And, like, somehow well, we were we we had a trust fund, but somehow it has been we've gotta wait till my stepfather passes now. So Yeah. Okay. that must have she must have I don't know how they managed to change it, but anyhow so, you know and that was a a a lot of money, so which would you'd put Okay. into Help. super as well, which is yeah. It Yeah. would, I'm you sorry. know, You're also experiencing make a big that. difference too. Yeah. Yeah. There's so if when it comes to estates, it's always difficult to navigate, especially when it could help you financially. Yeah. Yep. Well, if you ever need any guidance in that respect or discussions, please reach out. And if if I can't help, maybe I might be able to put you on to someone who can.","start_word":4834,"end_word":5044,"sentiment":"neutral","sentiment_score":-0.14126059723691353},{"text":"Yay.","start_word":5045,"end_word":5045,"sentiment":"positive","sentiment_score":0.40856194496154785},{"text":"Okay. The the other the other documents contained within the review pack is the next couple actually is your ongoing fee arrangement. So if you wanted to continue to be a client of ours and receive advice, Yes. it's you I would need you to review this is one of the forms that does need signing electronically is fine in the document sent to you. And Yep. that fee is a percentage base fee of 1.65% estimated to be $71,710 and 78<unk> per annum deducted monthly from your hub twenty four account. So once Yes. you've had a chance to review this and make a decision, I'd get I would ask that you sign that, please, and that will come back automatically to Yep. us when you do so. Within those documents as well, there's a hub twenty four change of details form. Now that is to update your new address. We're Yep. also gonna have to do a q super one for you also, which we will get to post the our review with Okay. a couple of other documents that I've noted that we may need to get from you. So Okay. I I have noted that your you don't have a beneficiary in your q super fund. Oh, So we'll I thought need it to was I thought it was my oh, okay. yeah. So in your q super with the balance with the statement that you sent through to me, I'm just scrolling to that. On page four, you don't have a nomination.","start_word":5046,"end_word":5303,"sentiment":"neutral","sentiment_score":0.04069146141409874},{"text":"So Oh, we can I thought definitely I had both help.","start_word":5303,"end_word":5313,"sentiment":"positive","sentiment_score":0.422245055437088},{"text":"my oh, okay. Yeah. Yeah. You do on Hub. You do on Hub twenty four, but not with QSuper. So we will make sure that we get that form to you to help you make sure that that's in place. So who have I got with with you guys? You have your children noted with us. So that's the the next point that I wanted to talk to you about. How old is Caitlin Yeah. Lachlan's 26. Peyton's 25. let's call it tax laws let's call it tax laws that are applicable to beneficiaries of a super fund super fund. So you've got your superannuation relevant tax laws and then the actual tax dependent laws for everybody. Yep. Within superannuation, you are unable to nominate adult children as beneficiaries, And, typically, it needs to be the legal personal representative, so that being your will or your estate, should I say. So we might need to get that updated and also look at the the will situation for you to make sure that that's addressed over time as well, get that Okay. in place. Yep. So what I'll do is I'll look at that. I'll when I send you through the email with all these forms, I'll put a little bit more detail in there to explain it to you so that it's clear. If you have any questions, you can come back to me. Okay. And the other item I noted too that we would need to do is update your address, your beneficiaries, is that we would I would just touch base with you in a few weeks oh, sorry, on Friday to see how you went with the the specialist post the surgery and the work, and Yep. then also understand a little bit better about your pay slip if you are gonna continue on work cover and how we can help, how we can look at helping, if we can, your deficit that and how long that might be likely to continue. Yeah. Yeah. Because I can't touch my super for that, can I? There are some there are some rules where you may be eligible to access some. The rules K.","start_word":5314,"end_word":5678,"sentiment":"neutral","sentiment_score":0.06004052981734276},{"text":"are very, very strict, so we'd need to have a better understanding of what the long term likelihood of you being off work for is, Yes.","start_word":5679,"end_word":5704,"sentiment":"negative","sentiment_score":-0.3772718012332916},{"text":"the the financial impact that's gonna occur to you. So I think we can definitely look at that as an option once we have a better understanding of your work arrangement moving forward post Yeah. your specialist appointment. So I will make that as a note So for you is that it all overwhelming for me? oh, Sharon, I'm so sorry. Yeah.","start_word":5705,"end_word":5766,"sentiment":"neutral","sentiment_score":-0.0849909707903862},{"text":"It it is a lot. And and being in that period of uncertainty and not knowing about your return to work, that doesn't make things any easier. No. It's just you know, I've I've gone so so hard to get myself from being bankrupt to, you know, where I am today.","start_word":5767,"end_word":5817,"sentiment":"negative","sentiment_score":-0.38682955503463745},{"text":"Yeah. You know, and I just don't fall back again. No. And and we will do everything within our power to make sure that we help you and stay on track, and you've done so well getting to where you are that I understand that anxiety and the uncertainty that you're facing at the moment. So my role and our role as a team is to make sure that we help wherever we can and help you make the right decision to ensure that you stay on track and that we can help you in any way.","start_word":5818,"end_word":5914,"sentiment":"neutral","sentiment_score":0.06655512750148773},{"text":"Thank So you. I'm definitely gonna reach out to you on Friday to see how you're going, how you went with the specialist.","start_word":5915,"end_word":5937,"sentiment":"positive","sentiment_score":0.4300406575202942},{"text":"Yep.","start_word":5938,"end_word":5938,"sentiment":"neutral","sentiment_score":0.23232412338256836},{"text":"Thank And you. we're gonna stay in touch and make sure that everything anything that you need help with or advice that we're gonna make sure is is touched on as soon as possible.","start_word":5939,"end_word":5972,"sentiment":"positive","sentiment_score":0.3447369337081909},{"text":"Okay. Lovely. Thank you. No. That's okay, Sharon.","start_word":5973,"end_word":5980,"sentiment":"neutral","sentiment_score":0.029042530804872513},{"text":"I'm so sorry you're that you're experiencing this. It's it's awful.","start_word":5981,"end_word":5991,"sentiment":"negative","sentiment_score":-0.41856732964515686},{"text":"Oh, I'm just And a talk. no. You're not at all. And do you know what? I can actually relate. My husband had a pretty bad accident last year, and he was off work for a significant period of time Yeah.","start_word":5992,"end_word":6032,"sentiment":"neutral","sentiment_score":-0.22408078610897064},{"text":"on a reduced income, and it is extremely stressful.","start_word":6033,"end_word":6041,"sentiment":"negative","sentiment_score":-0.47924935817718506},{"text":"It is Yeah. not something that I you know, people people don't understand it until until you've been through it.","start_word":6042,"end_word":6061,"sentiment":"neutral","sentiment_score":-0.3167422413825989},{"text":"So I can relate, and I I'm I'm definitely gonna stand by you and help you along the way. So Thank you.","start_word":6062,"end_word":6083,"sentiment":"positive","sentiment_score":0.6851755976676941},{"text":"no.","start_word":6084,"end_word":6084,"sentiment":"neutral","sentiment_score":0.18076664209365845},{"text":"That's that's completely fine, Sharon.","start_word":6085,"end_word":6089,"sentiment":"positive","sentiment_score":0.4445037841796875},{"text":"Is there anything that I can do today to help you with that? No. That's that's fine, Sharon. Is there anything that I can do today to help you? No. That's fine. I'll just go through that paperwork and, you know, do what I've gotta do and send it back to you. Yeah. Yep. Well, if even if you wanna give me a call on Thursday, feel free to and let me know how you went with a specialist. Otherwise, I'm gonna give you a call on Friday Yep. and Yep. check-in. Okay. Okay? Alright. Yes. And you'll notice, I completely completely understand where you're coming from. I just think It it's, is you a lot. know yeah. It is a lot. Yeah. But, like, I've It's just I've just because I can't go, like, park downstairs because they're sweeping they're cleaning out our apartment block car passes. yeah. So I've just been with Bentley just over the park. Yeah. While I was talking to you, my leg is just stored up so much. Yeah. Are are you able to get back to your apartment and maybe put your leg up in? Oh, yeah. Yes. I just have to walk up a little hill, but it's fine. But I'll Yeah. just have to do that. But that's just why, like, the doctor said, you know, I may not be able to go back to work after Thursday.","start_word":6090,"end_word":6326,"sentiment":"neutral","sentiment_score":0.0034270070027559996},{"text":"It might be another two or three weeks off work, which stresses me out because, again, Yeah.","start_word":6327,"end_word":6343,"sentiment":"negative","sentiment_score":-0.3592173159122467},{"text":"you know, Yeah.","start_word":6344,"end_word":6346,"sentiment":"neutral","sentiment_score":-0.2427854090929031},{"text":"It's it's all putting about financial pressure on you.","start_word":6347,"end_word":6355,"sentiment":"negative","sentiment_score":-0.43475860357284546},{"text":"absolutely. Yeah. Yep. Well, hopefully, you'll be able to go back to work in maybe some capacity being light duties or with your leg elevated. Hopefully, there'll be something there that he can help you with, Yeah. Yeah. but I think it's it's just waiting till Thursday to get that peace of mind and that clarity for you that's that's gonna be difficult. Yeah.","start_word":6356,"end_word":6419,"sentiment":"neutral","sentiment_score":0.12640257901512086},{"text":"Absolutely.","start_word":6420,"end_word":6420,"sentiment":"positive","sentiment_score":0.414349764585495},{"text":"Yeah. Well, hopefully, Yeah.","start_word":6421,"end_word":6424,"sentiment":"neutral","sentiment_score":0.3087381422519684},{"text":"Bentley keeps you nice and occupied and lots of cuddles and and and help you through this time until Thursday. Thank you very much.","start_word":6425,"end_word":6448,"sentiment":"positive","sentiment_score":0.5807656049728394},{"text":"No. You're welcome, Sharon. If you need anything in the meantime, please call me. Otherwise, I'm gonna go away and do all those action items we talked about.","start_word":6449,"end_word":6476,"sentiment":"neutral","sentiment_score":0.11242835968732834},{"text":"Beautiful. Thank And you.","start_word":6477,"end_word":6480,"sentiment":"positive","sentiment_score":0.6013715863227844},{"text":"no.","start_word":6481,"end_word":6481,"sentiment":"neutral","sentiment_score":0.09525834769010544},{"text":"You're absolutely welcome, and I will speak to you on Friday.","start_word":6482,"end_word":6492,"sentiment":"positive","sentiment_score":0.404060423374176},{"text":"Okay.","start_word":6493,"end_word":6493,"sentiment":"neutral","sentiment_score":0.33204415440559387},{"text":"Perfect. Thank you so much for your time. You're welcome, Sharon. Thank you for your time. Thank you. See you.","start_word":6494,"end_word":6513,"sentiment":"positive","sentiment_score":0.676633358001709},{"text":"Bye. Yeah. Bye. Bye. Bye.","start_word":6514,"end_word":6518,"sentiment":"neutral","sentiment_score":0.16128389537334442}],"average":{"sentiment":"neutral","sentiment_score":0.007311182002384281}}}}