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Probably about half an hour or so, usually. That's fine? Okay. Perfect. I can try to make it a little bit quicker if you have to go somewhere. Okay. Okay. Sure. Okay. Perfect. Perfect. I'll try to make it quick for you. But before I do jump in, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yes, please. Yep. Perfect. And I have your updated address, which is great. Now before I do kind of jump into things, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and kind of see where everything's at. Yep. Yep. Yep. Yeah. No problem. We can definitely do that. And we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment and kind of where you would be at if everything kind of stays the same. Obviously, there's been a bit of market fluctuations the last twelve months as well, so it might be good to kind of do a bit of a reassess just to see where everything is at for you. Yeah. Perfect. And now, obviously, thinking about retirement, with the current legislation, if you decide to stop working, you can access all your super completely tax free at 60 if you retire. If you decide to keep working, or if that's part time, full time, whatever capacity it might be Yep. You can access up to 10% of your super balance under something that is called a transition to retirement. And that's beautiful. And that is between 60 and 65. After 65, you could do whatever you want. Essentially. Yeah. So are you yeah. Yes. It is factored in. It's not till 67, though. So that is kind of the thing to be mindful of. Yeah. So yes. So that will be 67. So you can take everything and do what you want if you stop working at 60. Obviously, just be mindful that each pension, if you're eligible, would not kick in until '67. Yes. Yes. Exactly. Yes. Yes. Sorry. That's what a lot of people do as well, is that they draw an income. So instead of having, because it's age pension, it also factors in, like, income and stuff. But what I can do so part of the research is that I can kind of make assumptions based on your current position. If you are when you turn 67 and the way, obviously, super and stuff will be tracking, if you would be eligible for age pension and kind of how that would look like. So I can include all of that as a bit of a a guide for you if you would like. Yep. Yep. Mhmm. Yes. Yes. Yep. Perfect. And when it comes through that transition to retirement, that is really tax effective as well. It's more tax effective the higher income you you earn. Mhmm. But that is also something that when you do turn 60 that we can have a a bit of a look, yeah, which is really good. So I'll make a little note of that. Otherwise, you would be planning on taking super at 67, do you think, or do you think 60 five? Ideally. Mhmm. 60 seven. Mhmm. Yeah. Yes. Yep. Yep. Like a good yep. Alright. Perfect. I'll factor in 67. And, yes, you most certainly can do it as an income stream, like a pension payment. A lot of people do it that way just because then that way it's easier to kind of, I guess, manage and control than get a lump sum in your bank account. And then you might go and spend it a little bit, and then you're like, oh goodness. So yeah. And you can change that whenever you want to anyway. So if it is that you do an income and you some emergency come up and you need a little bit more, we can always reassess that for you. Yeah. No worries. Now with the calculations as well, I do kinda factor in that when you do turn 67, kind of an ideal income that you would need to sustain your retirement, cover bills and expenses, and everything like that. I have here about a thousand dollars a week. Is that still kind of achievable for you, or do you think you need more or less? Mhmm. Yes. Yep. Yes. Yes. And if how much combined would you if you were to say right now, do you think you'd need? Mhmm. Okay. Yes. Yep. Okay. Perfect. Now I will factor that in for you. And what I will do as well is just to kind of run through just a bit of an updated fact fund with you just to see if there's anything else that's changed that we need to kinda factor in through the advice for you. So bear with me. I'll try to go through this quickly with you. Now personal information, I have you down here as single with no financial dependent. Your son's a bit older. Is that correct? Yep. Oh, nice. Did you guys do anything fun? Yeah. Yeah. Beautiful. I also have him down as next of kin if something ever were to happen to you. Beautiful. And also for beneficiary. So receiving your super and stuff if something were to happen to you. Yep. Great. Now employment wise, has any of that changed for you in the last twelve months? Perfect. So still business manager, full time. Yep. I have income at around 105,000. Is that still the case, or has that changed a bit? Around a 100 and Yeah? Okay. And they just pay that standard 12% contribution into super. There's no, like yep. Perfect. And are you making any additional contributions to super? Right. Yep. Yep. Yep. Yep. Right. And this is kind of this will be a good kind of starting point to be like, okay. Where are things at now? How are we looking? And then you can obviously assess. And then, obviously, next under review, we could always look at, okay. Well, do we need to look at doing some top up, or what does it look like, or are you on tracking pretty well? Yes. Okay. Yes. Yep. Perfect. I'll make a little note so when you turn 60, and then we can always reassess where everything's at for you. Now assets and liability wise, I have here I okay. So what's where is everything at at the moment? Oh, nice. That's good. And how much is that one worth? Market would be good. So, like, if you were to sell it tomorrow, what would it be worth? Perfect. And yes. Okay. Perfect. And mortgage attached to it? Oh, beautiful. That's nice. And motor vehicle? Mhmm. Okay. Yep. Perfect. Yeah. I think it's the same one we have here. We had seven with nothing owing on that one. No. Perfect. Any other changes to your assets? Nope. Nope. Okay. Any savings in the banks or anything else I need to consider? Mhmm. Okay. Perfect. Yep. That's good. Any other liabilities, like personal loans, credit card, pay? No? Okay. Great. Yep. Yeah. Okay. Perfect. That's good. And that was just about $22, did you say? Yeah. No worries. Now health and lifestyle, I have you done here just as a social smoker, if that's the case? Yep. And have you had That's okay. I'm sorry to hear. Yeah. Yes. Okay. Yeah. No. That is all good. And have you had any changes to your health otherwise? Any health issues or injuries? No. Great. That's good, though. I like that. When it comes to health, people are like, no. I'm healthy. I'm like, yes. Good. And do you have private health insurance? Yes. Okay. Perfect. Now estate planning wise, do you have a will or power of attorney or anything like that in place? Nope. Okay. Yep. Yep. Okay. Perfect. Otherwise, I guess, when it comes to other goals and stuff that you are working towards, obviously, aside from getting a bit more kind of insight on superannuation and then when you turn 60, looking at potentially different strategies depending on where things are at. Obviously, last time we spoke, your main focus was to buy a property, which you have done, which is great. So do you have anything else at the moment that you are kind of working towards in the next couple of years, or is it mainly for, like, retirement planning? Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. Perfect. So with your superannuation as well, we usually go through just a bit of an updated risk profile questionnaire you would know from last time just to see if there is anything that has changed with your risk tolerance if we also need to make any changes. So I guess when it comes to how much risk you are currently comfortable taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk? Yep. Okay. Mhmm. Yes. Yep. Yes. Okay. Yep. Okay. Perfect. And you are in a good spot where you are in that balanced growth portfolio where you have a good com like, you're still focusing on growing, but you do have that conservative element through the portfolio as well. Yes. Yes. No. And I think that's that's really good. So we will leave your balance growth. Now, Lisa, do you have access to your emails at the moment? Okay. Yes. If you can, that would be good because I have sent you an email with a couple of documents to kind of run through with you if you can get those up. Yes. Just when I just when you answer the phone. Phone. Yes. So it has changed slightly from last year, the software. It's kind of the same, though, where it will ask you to click on the link. It will allow you to open up and look at everything first, though, before it prompts you to sign anything just to make sure you are happy first. Yes. If you click on sign, does it then open up, like, a super and insurance summary? Yes. Okay. Perfect. That's good. So with your super and insurance, you can see here that you do have your superannuation with hub twenty four, and you do have about $207,687 in there. And then you also have a income protection policy, and that would pay you a monthly amount of 6,092. You have that ninety day waiting period, five year benefit period. You get a little tax rebate because it's paid from within super, and it's about 2,400 and 12. Mhmm. Yes. Okay. Yes. Yes. Mhmm. Yes. So we had quite a few clients yesterday as well with that exact same issue. So you were not the only one. A lot of people had had issues. So at least I'm glad that you got an answer. Phone them. If you do have any issues, you can always just call us as well if it's easier because sometimes the wait to have 24 and and stuff can be a little bit longer. And what was that in regards to? Mhmm. Yes. Yes. Let let me log in to your account right now and see. But, yes, we had a lot of people yesterday. We I haven't had anyone having any issues today. But let me log in to your account, and I can see if it's dropped there. But, yeah, we had a lot of clients yesterday having the same thing. Payroll had a bit of an issue with processing, and it was just like a back end or with hub twenty four. And they advised us as well that that should have been resolved and shouldn't be any issues moving forward and that all the contributions have been received. But let me just triple check your account as well just to that make sure that's the case. Just bear with me. Now it doesn't look like it's coming to your account yet. I will make a note, and I will get the team to have a look tomorrow morning just because they do have they have shut today And keep an eye on it. And if it hasn't dropped by tomorrow, to give them to give Hub twenty four a follow-up call because they told us that it should have been sorted. And then I'll get them through do you want them to give you a quick call or text or email? What do you prefer? Yep. Yes. Yes. Yep. Yep. Yep. Perfect. Now I'll make a little note for the team to have a look at that first thing tomorrow when they open, see if it's dropped in your account. And if not, call Hub twenty four and query what is happening because, yeah, they said everything should have been sorted by now. And I'll get them to give you a quick call as soon as they've heard back from Hub twenty four as well just to give you that update. Yep. Yep. Perfect. Now when it comes to your insurances, obviously, you don't have a life or total permanent disability. You're still comfortable just for that income protection? Perfect. Okay. Perfect. Now the next document should be a performance report with hub twenty four. Yep. Perfect. Now this might look a little bit messy if you are looking on the phone, but, essentially, it breaks down all your individual investments, how they have performed, and how much you have in each investment option. Now this is over a twelve month period as well. So, yeah, so kind of like you touched on, obviously, we have seen a bit of market fluctuation the last twelve months with everything going on in The US. And, obviously, with the war and stuff like that, there has been a bit of fluctuation. In saying that, though, your portfolio has still done pretty good considering. Mhmm. So considering. Mhmm. So when you're looking at a total, after fees, it's still gone up by 5.57%, which is about 15,250, and that is just from your investment earnings. Like, it's not contributions. Yeah. Now when you have a look at the second column to the right for me, it should say internal rate of return. Yes. So this breaks down how each and every single one of the individual investment have performed. That is lithium. So that one is a battery pack in lithium. So, obviously, a few prices, electric vehicles, gone through the roof. Now the one at the top that has bracket next to it, that is underperforming a little bit at the moment, which is your Ben and Long Australian Equity. Correct. So yeah. So this is the one I would I'll reassess all the investments anyway just to make sure, but that Benelon particular is one that I would like to potentially look at changing for you, especially because recently, they've been a little bit slower in making those investment decisions. And if there are any better options out there for you moving forward, then we obviously wanna be proactive with that. Yep. So yep. Perfect. So I'll do some research for you and then include kind of everything in that strategy that we can go through together. Now next document should just be your ascender certificate of currency, I believe. Yep. Just Exactly. Yes. And and, obviously, with the market and everything, things will fluctuate a little bit, and that's just kind of the nature. But but given everything, it's still done pretty good, especially considering when you are in that balanced growth portfolio, having that little bit conservative element as well. So quite happy with that, but I do wanna have a bit of a reassessment. Now next documents, what is that one that you can see, Lisa? Yes. So that basically just shows you break down your insurance again in more detail. Just let you know that's all paid and up to date, essentially. Yes. It used to be MLC. Yes. Then move over. Your insurance didn't change, though. It's it's the same. It's just another company that took over from it. Yes. Now next one, is that your Vanguard index chart? Yeah. And you've seen something like this before? Yeah. Perfect. Basically, we include it because it is a good visual representation of what we are talking about when we're talking about the market. Vanguard does release one every year as well. So the next one is due to come out any minutes now because they release it at the end of their financial year. So it should be out soon, but it just kind of shows you a bit of an update on the different asset classes and how they have kind of performed over time. Yep. Now next one should be your overview services guide. Yep. Again, you probably have seen this one a few times before. It is one of those compliance documents, but all the important information is in there if you do wanna have a bit of a read over it, which then should take us through the last document, which is your ongoing service agreement with hub '24. Yep. Perfect. So this one here will ask for your signature if you are happy to do so. There's no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime. Yep. Yep. Yep. Beautiful. That's all good. While I wait for that to load, while I have you on the phone, we'll book in the the catch up for us for me to go through the research with you just while I have you. Now it will take me about a week or so to put it all together. When is normally a best time for you? Is it kind of late afternoon that's most suitable? Okay. Alright. Let me have a look. So okay. I could do no. That's all good. I can do same time. So 04:30 your time, 05:00 my time on Thursday, August 13, or Monday, the tenth? No? Okay. Perfect. So Thursday, not Wednesday? That's fine? Yes. Okay. Perfect. Yes. Yeah. Perfect. Alright. I will lock that in. Now if anything does change for you and you can't make it, just let me know, and I can see if I can always shuffle a few things around or we get you rescheduled. That is no problem. But, otherwise, I will give you a call on Thursday, August 13, which is crazy. You know, it's August already. And that will be our 04:30 your time. Do you have any other questions or anything else for me at this point before I let you go? Yes. And more information as well with with the strategy. Yeah. 04:30 your time, which is 05:00 my time. So basically same as today. Yep. Great. Beautiful. Well, I will let you go. Hopefully, you're not too late to everything you have to do today. Okay. But beautiful. I will let you go. I look forward to speaking with you on Thursday, the thirteenth. Mhmm. No worries. We'll speak soon. 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afternoon. This is Ranka from ICU Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in to go over your interview. Is now still a good time, or you're a little bit busy? Probably about half an hour or so, usually. That's fine?\n\nOkay. Perfect. I can try to make it a little bit quicker if you have to go somewhere. Okay. Okay.\n\nSure. Okay. Perfect. Perfect. I'll try to make it quick for you.\n\nBut before I do jump in, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yes, please.\n\nYep. Perfect. And I have your updated address, which is great. Now before I do kind of jump into things, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and kind of see where everything's at. Yep.\n\nYep. Yep. Yeah. No problem. We can definitely do that.\n\nAnd we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment and kind of where you would be at if everything kind of stays the same. Obviously, there's been a bit of market fluctuations the last twelve months as well, so it might be good to kind of do a bit of a reassess just to see where everything is at for you. Yeah. Perfect. And now, obviously, thinking about retirement, with the current legislation, if you decide to stop working, you can access all your super completely tax free at 60 if you retire.\n\nIf you decide to keep working, or if that's part time, full time, whatever capacity it might be Yep. You can access up to 10% of your super balance under something that is called a transition to retirement. And that's beautiful. And that is between 60 and 65. After 65, you could do whatever you want.\n\nEssentially. Yeah. So are you yeah. Yes. It is factored in.\n\nIt's not till 67, though. So that is kind of the thing to be mindful of. Yeah. So yes. So that will be 67.\n\nSo you can take everything and do what you want if you stop working at 60. Obviously, just be mindful that each pension, if you're eligible, would not kick in until '67. Yes. Yes. Exactly.\n\nYes. Yes. Sorry. That's what a lot of people do as well, is that they draw an income. So instead of having, because it's age pension, it also factors in, like, income and stuff.\n\nBut what I can do so part of the research is that I can kind of make assumptions based on your current position. If you are when you turn 67 and the way, obviously, super and stuff will be tracking, if you would be eligible for age pension and kind of how that would look like. So I can include all of that as a bit of a a guide for you if you would like. Yep. Yep.\n\nMhmm. Yes. Yes. Yep. Perfect.\n\nAnd when it comes through that transition to retirement, that is really tax effective as well. It's more tax effective the higher income you you earn. Mhmm. But that is also something that when you do turn 60 that we can have a a bit of a look, yeah, which is really good. So I'll make a little note of that.\n\nOtherwise, you would be planning on taking super at 67, do you think, or do you think 60 five? Ideally. Mhmm. 60 seven. Mhmm.\n\nYeah. Yes. Yep. Yep. Like a good yep.\n\nAlright. Perfect. I'll factor in 67. And, yes, you most certainly can do it as an income stream, like a pension payment. A lot of people do it that way just because then that way it's easier to kind of, I guess, manage and control than get a lump sum in your bank account.\n\nAnd then you might go and spend it a little bit, and then you're like, oh goodness. So yeah. And you can change that whenever you want to anyway. So if it is that you do an income and you some emergency come up and you need a little bit more, we can always reassess that for you. Yeah.\n\nNo worries. Now with the calculations as well, I do kinda factor in that when you do turn 67, kind of an ideal income that you would need to sustain your retirement, cover bills and expenses, and everything like that. I have here about a thousand dollars a week. Is that still kind of achievable for you, or do you think you need more or less? Mhmm.\n\nYes. Yep. Yes. Yes. And if how much combined would you if you were to say right now, do you think you'd need?\n\nMhmm. Okay. Yes. Yep. Okay.\n\nPerfect. Now I will factor that in for you. And what I will do as well is just to kind of run through just a bit of an updated fact fund with you just to see if there's anything else that's changed that we need to kinda factor in through the advice for you. So bear with me. I'll try to go through this quickly with you.\n\nNow personal information, I have you down here as single with no financial dependent. Your son's a bit older. Is that correct? Yep. Oh, nice.\n\nDid you guys do anything fun? Yeah. Yeah. Beautiful. I also have him down as next of kin if something ever were to happen to you.\n\nBeautiful. And also for beneficiary. So receiving your super and stuff if something were to happen to you. Yep. Great.\n\nNow employment wise, has any of that changed for you in the last twelve months? Perfect. So still business manager, full time. Yep. I have income at around 105,000.\n\nIs that still the case, or has that changed a bit? Around a 100 and Yeah? Okay. And they just pay that standard 12% contribution into super. There's no, like yep.\n\nPerfect. And are you making any additional contributions to super? Right. Yep. Yep.\n\nYep. Yep. Right. And this is kind of this will be a good kind of starting point to be like, okay. Where are things at now?\n\nHow are we looking? And then you can obviously assess. And then, obviously, next under review, we could always look at, okay. Well, do we need to look at doing some top up, or what does it look like, or are you on tracking pretty well? Yes.\n\nOkay. Yes. Yep. Perfect. I'll make a little note so when you turn 60, and then we can always reassess where everything's at for you.\n\nNow assets and liability wise, I have here I okay. So what's where is everything at at the moment? Oh, nice. That's good. And how much is that one worth?\n\nMarket would be good. So, like, if you were to sell it tomorrow, what would it be worth? Perfect. And yes. Okay.\n\nPerfect. And mortgage attached to it? Oh, beautiful. That's nice. And motor vehicle?\n\nMhmm. Okay. Yep. Perfect. Yeah.\n\nI think it's the same one we have here. We had seven with nothing owing on that one. No. Perfect. Any other changes to your assets?\n\nNope. Nope. Okay. Any savings in the banks or anything else I need to consider? Mhmm.\n\nOkay. Perfect. Yep. That's good. Any other liabilities, like personal loans, credit card, pay?\n\nNo? Okay. Great. Yep. Yeah.\n\nOkay. Perfect. That's good. And that was just about $22, did you say? Yeah.\n\nNo worries. Now health and lifestyle, I have you done here just as a social smoker, if that's the case? Yep. And have you had That's okay. I'm sorry to hear.\n\nYeah. Yes. Okay. Yeah. No.\n\nThat is all good. And have you had any changes to your health otherwise? Any health issues or injuries? No. Great.\n\nThat's good, though. I like that. When it comes to health, people are like, no. I'm healthy. I'm like, yes.\n\nGood. And do you have private health insurance? Yes. Okay. Perfect.\n\nNow estate planning wise, do you have a will or power of attorney or anything like that in place? Nope. Okay. Yep. Yep.\n\nOkay. Perfect. Otherwise, I guess, when it comes to other goals and stuff that you are working towards, obviously, aside from getting a bit more kind of insight on superannuation and then when you turn 60, looking at potentially different strategies depending on where things are at. Obviously, last time we spoke, your main focus was to buy a property, which you have done, which is great. So do you have anything else at the moment that you are kind of working towards in the next couple of years, or is it mainly for, like, retirement planning?\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. No. Perfect.\n\nSo with your superannuation as well, we usually go through just a bit of an updated risk profile questionnaire you would know from last time just to see if there is anything that has changed with your risk tolerance if we also need to make any changes. So I guess when it comes to how much risk you are currently comfortable taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk? Yep. Okay. Mhmm.\n\nYes. Yep. Yes. Okay. Yep.\n\nOkay. Perfect. And you are in a good spot where you are in that balanced growth portfolio where you have a good com like, you're still focusing on growing, but you do have that conservative element through the portfolio as well. Yes. Yes.\n\nNo. And I think that's that's really good. So we will leave your balance growth. Now, Lisa, do you have access to your emails at the moment? Okay.\n\nYes. If you can, that would be good because I have sent you an email with a couple of documents to kind of run through with you if you can get those up. Yes. Just when I just when you answer the phone. Phone.\n\nYes. So it has changed slightly from last year, the software. It's kind of the same, though, where it will ask you to click on the link. It will allow you to open up and look at everything first, though, before it prompts you to sign anything just to make sure you are happy first. Yes.\n\nIf you click on sign, does it then open up, like, a super and insurance summary? Yes. Okay. Perfect. That's good.\n\nSo with your super and insurance, you can see here that you do have your superannuation with hub twenty four, and you do have about $207,687 in there. And then you also have a income protection policy, and that would pay you a monthly amount of 6,092. You have that ninety day waiting period, five year benefit period. You get a little tax rebate because it's paid from within super, and it's about 2,400 and 12. Mhmm.\n\nYes. Okay. Yes. Yes. Mhmm.\n\nYes. So we had quite a few clients yesterday as well with that exact same issue. So you were not the only one. A lot of people had had issues. So at least I'm glad that you got an answer.\n\nPhone them. If you do have any issues, you can always just call us as well if it's easier because sometimes the wait to have 24 and and stuff can be a little bit longer. And what was that in regards to? Mhmm. Yes.\n\nYes. Let let me log in to your account right now and see. But, yes, we had a lot of people yesterday. We I haven't had anyone having any issues today. But let me log in to your account, and I can see if it's dropped there.\n\nBut, yeah, we had a lot of clients yesterday having the same thing. Payroll had a bit of an issue with processing, and it was just like a back end or with hub twenty four. And they advised us as well that that should have been resolved and shouldn't be any issues moving forward and that all the contributions have been received. But let me just triple check your account as well just to that make sure that's the case. Just bear with me.\n\nNow it doesn't look like it's coming to your account yet. I will make a note, and I will get the team to have a look tomorrow morning just because they do have they have shut today And keep an eye on it. And if it hasn't dropped by tomorrow, to give them to give Hub twenty four a follow-up call because they told us that it should have been sorted. And then I'll get them through do you want them to give you a quick call or text or email? What do you prefer?\n\nYep. Yes. Yes. Yep. Yep.\n\nYep. Perfect. Now I'll make a little note for the team to have a look at that first thing tomorrow when they open, see if it's dropped in your account. And if not, call Hub twenty four and query what is happening because, yeah, they said everything should have been sorted by now. And I'll get them to give you a quick call as soon as they've heard back from Hub twenty four as well just to give you that update.\n\nYep. Yep. Perfect. Now when it comes to your insurances, obviously, you don't have a life or total permanent disability. You're still comfortable just for that income protection?\n\nPerfect. Okay. Perfect. Now the next document should be a performance report with hub twenty four. Yep.\n\nPerfect. Now this might look a little bit messy if you are looking on the phone, but, essentially, it breaks down all your individual investments, how they have performed, and how much you have in each investment option. Now this is over a twelve month period as well. So, yeah, so kind of like you touched on, obviously, we have seen a bit of market fluctuation the last twelve months with everything going on in The US. And, obviously, with the war and stuff like that, there has been a bit of fluctuation.\n\nIn saying that, though, your portfolio has still done pretty good considering. Mhmm. So considering. Mhmm. So when you're looking at a total, after fees, it's still gone up by 5.57%, which is about 15,250, and that is just from your investment earnings.\n\nLike, it's not contributions. Yeah. Now when you have a look at the second column to the right for me, it should say internal rate of return. Yes. So this breaks down how each and every single one of the individual investment have performed.\n\nThat is lithium. So that one is a battery pack in lithium. So, obviously, a few prices, electric vehicles, gone through the roof. Now the one at the top that has bracket next to it, that is underperforming a little bit at the moment, which is your Ben and Long Australian Equity. Correct.\n\nSo yeah. So this is the one I would I'll reassess all the investments anyway just to make sure, but that Benelon particular is one that I would like to potentially look at changing for you, especially because recently, they've been a little bit slower in making those investment decisions. And if there are any better options out there for you moving forward, then we obviously wanna be proactive with that. Yep. So yep.\n\nPerfect. So I'll do some research for you and then include kind of everything in that strategy that we can go through together. Now next document should just be your ascender certificate of currency, I believe. Yep. Just Exactly.\n\nYes. And and, obviously, with the market and everything, things will fluctuate a little bit, and that's just kind of the nature. But but given everything, it's still done pretty good, especially considering when you are in that balanced growth portfolio, having that little bit conservative element as well. So quite happy with that, but I do wanna have a bit of a reassessment. Now next documents, what is that one that you can see, Lisa?\n\nYes. So that basically just shows you break down your insurance again in more detail. Just let you know that's all paid and up to date, essentially. Yes. It used to be MLC.\n\nYes. Then move over. Your insurance didn't change, though. It's it's the same. It's just another company that took over from it.\n\nYes. Now next one, is that your Vanguard index chart? Yeah. And you've seen something like this before? Yeah.\n\nPerfect. Basically, we include it because it is a good visual representation of what we are talking about when we're talking about the market. Vanguard does release one every year as well. So the next one is due to come out any minutes now because they release it at the end of their financial year. So it should be out soon, but it just kind of shows you a bit of an update on the different asset classes and how they have kind of performed over time.\n\nYep. Now next one should be your overview services guide. Yep. Again, you probably have seen this one a few times before. It is one of those compliance documents, but all the important information is in there if you do wanna have a bit of a read over it, which then should take us through the last document, which is your ongoing service agreement with hub '24.\n\nYep. Perfect. So this one here will ask for your signature if you are happy to do so. There's no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract.\n\nSo if at any point in time you are not happy, it is not a lock in contract. But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime. Yep. Yep. Yep.\n\nBeautiful. That's all good. While I wait for that to load, while I have you on the phone, we'll book in the the catch up for us for me to go through the research with you just while I have you. Now it will take me about a week or so to put it all together. When is normally a best time for you?\n\nIs it kind of late afternoon that's most suitable? Okay. Alright. Let me have a look. So okay.\n\nI could do no. That's all good. I can do same time. So 04:30 your time, 05:00 my time on Thursday, August 13, or Monday, the tenth? No?\n\nOkay. Perfect. So Thursday, not Wednesday? That's fine? Yes.\n\nOkay. Perfect. Yes. Yeah. Perfect.\n\nAlright. I will lock that in. Now if anything does change for you and you can't make it, just let me know, and I can see if I can always shuffle a few things around or we get you rescheduled. That is no problem. But, otherwise, I will give you a call on Thursday, August 13, which is crazy.\n\nYou know, it's August already. And that will be our 04:30 your time. Do you have any other questions or anything else for me at this point before I let you go? Yes. And more information as well with with the strategy.\n\nYeah. 04:30 your time, which is 05:00 my time. So basically same as today. Yep. Great.\n\nBeautiful. Well, I will let you go. Hopefully, you're not too late to everything you have to do today. Okay. But beautiful.\n\nI will let you go. I look forward to speaking with you on Thursday, the thirteenth. Mhmm. No worries. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.28,"end":4.08,"sentiment":"positive","sentiment_score":0.3871014267206192},{"text":"This is Ranka from ICU Financial.","start":4.08,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.3299744377533595},{"text":"How are you?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2484539896249771},{"text":"Yeah.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.4016247987747192},{"text":"I'm good.","start":10.48,"end":11.2,"sentiment":"positive","sentiment_score":0.5777397751808167}],"sentiment":"positive","sentiment_score":0.3611796998551914,"num_words":14,"start":3.28,"end":11.2},{"sentences":[{"text":"Thanks.","start":11.2,"end":11.7,"sentiment":"positive","sentiment_score":0.6321630477905273},{"text":"I had you booked in to go over your interview.","start":12.48,"end":15.195,"sentiment":"neutral","sentiment_score":0.2334797203540802},{"text":"Is now still a good time, or you're a little bit busy?","start":15.334999,"end":17.835,"sentiment":"neutral","sentiment_score":0.07687348127365112},{"text":"Probably about half an hour or so, usually.","start":20.935,"end":23.515,"sentiment":"neutral","sentiment_score":-0.05977853760123253},{"text":"That's fine?","start":26.535,"end":27.175,"sentiment":"neutral","sentiment_score":0.044985730201005936}],"sentiment":"neutral","sentiment_score":0.10609652079416043,"num_words":33,"start":11.2,"end":27.175},{"sentences":[{"text":"Okay.","start":27.175,"end":27.48,"sentiment":"neutral","sentiment_score":0.06208236888051033},{"text":"Perfect.","start":27.72,"end":27.96,"sentiment":"neutral","sentiment_score":0.2847657799720764},{"text":"I can try to make it a little bit quicker if you have to go somewhere.","start":27.96,"end":31.5,"sentiment":"neutral","sentiment_score":0.10285691823810339},{"text":"Okay.","start":35.8,"end":36.3,"sentiment":"neutral","sentiment_score":0.21518352627754211},{"text":"Okay.","start":37.559998,"end":38.059998,"sentiment":"neutral","sentiment_score":0.17698535323143005}],"sentiment":"neutral","sentiment_score":0.11923638600856065,"num_words":20,"start":27.175,"end":38.059998},{"sentences":[{"text":"Sure.","start":38.28,"end":38.78,"sentiment":"neutral","sentiment_score":0.22363021969795227},{"text":"Okay.","start":42.52,"end":43.0,"sentiment":"neutral","sentiment_score":0.2437151670455933},{"text":"Perfect.","start":43.0,"end":43.455,"sentiment":"positive","sentiment_score":0.4313354194164276},{"text":"Perfect.","start":43.535004,"end":43.935,"sentiment":"positive","sentiment_score":0.4411769509315491},{"text":"I'll try to make it quick for you.","start":43.935,"end":46.195004,"sentiment":"positive","sentiment_score":0.35851915553212166}],"sentiment":"positive","sentiment_score":0.350667583445708,"num_words":12,"start":38.28,"end":46.195004},{"sentences":[{"text":"But before I do jump in, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":46.735,"end":54.835003,"sentiment":"neutral","sentiment_score":0.07436660180489223},{"text":"Perfect.","start":56.655003,"end":57.03,"sentiment":"positive","sentiment_score":0.34581103920936584},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":57.35,"end":66.729996,"sentiment":"neutral","sentiment_score":0.089539169926535},{"text":"Yep.","start":74.354996,"end":74.854996,"sentiment":"neutral","sentiment_score":0.04834568500518799},{"text":"Yes, please.","start":77.555,"end":78.455,"sentiment":"neutral","sentiment_score":0.05376940593123436}],"sentiment":"neutral","sentiment_score":0.08538103738101199,"num_words":64,"start":46.735,"end":78.455},{"sentences":[{"text":"Yep.","start":84.515,"end":84.835,"sentiment":"neutral","sentiment_score":0.19378291070461273},{"text":"Perfect.","start":84.835,"end":85.235,"sentiment":"positive","sentiment_score":0.4649115204811096},{"text":"And I have your updated address, which is great.","start":85.235,"end":88.10999,"sentiment":"positive","sentiment_score":0.5068015721109178},{"text":"Now before I do kind of jump into things, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and kind of see where everything's at.","start":88.649994,"end":102.09499,"sentiment":"neutral","sentiment_score":0.05419329363289044},{"text":"Yep.","start":106.23499,"end":106.73499,"sentiment":"neutral","sentiment_score":0.015820778906345367}],"sentiment":"neutral","sentiment_score":0.12064850864007368,"num_words":69,"start":84.515,"end":106.73499},{"sentences":[{"text":"Yep.","start":111.950005,"end":112.450005,"sentiment":"neutral","sentiment_score":-0.002895787125453353},{"text":"Yep.","start":120.43,"end":120.93,"sentiment":"neutral","sentiment_score":0.10055141150951384},{"text":"Yeah.","start":123.55,"end":124.05,"sentiment":"neutral","sentiment_score":0.04673011600971222},{"text":"No problem.","start":124.990005,"end":125.71001,"sentiment":"positive","sentiment_score":0.44816844165325165},{"text":"We can definitely do that.","start":125.71001,"end":127.095,"sentiment":"positive","sentiment_score":0.6106045722961426}],"sentiment":"positive","sentiment_score":0.4093745485180989,"num_words":10,"start":111.950005,"end":127.095},{"sentences":[{"text":"And we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment and kind of where you would be at if everything kind of stays the same.","start":127.495,"end":142.71,"sentiment":"neutral","sentiment_score":0.18504041887638045},{"text":"Obviously, there's been a bit of market fluctuations the last twelve months as well, so it might be good to kind of do a bit of a reassess just to see where everything is at for you.","start":142.87001,"end":151.29001,"sentiment":"neutral","sentiment_score":0.03388154335521363},{"text":"Yeah.","start":152.31001,"end":152.81001,"sentiment":"positive","sentiment_score":0.43818068504333496},{"text":"Perfect.","start":153.19,"end":153.69,"sentiment":"positive","sentiment_score":0.6225107312202454},{"text":"And now, obviously, thinking about retirement, with the current legislation, if you decide to stop working, you can access all your super completely tax free at 60 if you retire.","start":153.83,"end":167.875,"sentiment":"neutral","sentiment_score":0.19379936462889116}],"sentiment":"neutral","sentiment_score":0.1428631512109529,"num_words":110,"start":127.495,"end":167.875},{"sentences":[{"text":"If you decide to keep working, or if that's part time, full time, whatever capacity it might be Yep.","start":169.215,"end":176.57,"sentiment":"neutral","sentiment_score":0.10175210610032082},{"text":"You can access up to 10% of your super balance under something that is called a transition to retirement.","start":177.27,"end":184.65001,"sentiment":"neutral","sentiment_score":0.23059317391169698},{"text":"And that's beautiful.","start":185.455,"end":187.455,"sentiment":"neutral","sentiment_score":0.3208175152540207},{"text":"And that is between 60 and 65.","start":187.455,"end":189.875,"sentiment":"neutral","sentiment_score":0.1813147280897413},{"text":"After 65, you could do whatever you want.","start":190.33499,"end":193.155,"sentiment":"neutral","sentiment_score":0.1999025773257017}],"sentiment":"neutral","sentiment_score":0.18116851037900364,"num_words":56,"start":169.215,"end":193.155},{"sentences":[{"text":"Essentially.","start":194.97499,"end":195.47499,"sentiment":"neutral","sentiment_score":0.18088263273239136},{"text":"Yeah.","start":196.33499,"end":196.83499,"sentiment":"neutral","sentiment_score":0.06503155827522278},{"text":"So are you yeah.","start":198.415,"end":200.275,"sentiment":"neutral","sentiment_score":-0.023619610350579023},{"text":"Yes.","start":206.57,"end":207.07,"sentiment":"neutral","sentiment_score":-0.010177433490753174},{"text":"It is factored in.","start":215.93001,"end":217.265,"sentiment":"neutral","sentiment_score":-0.019479907350614667}],"sentiment":"neutral","sentiment_score":0.005758062428371472,"num_words":11,"start":194.97499,"end":217.265},{"sentences":[{"text":"It's not till 67, though.","start":217.265,"end":219.36499,"sentiment":"neutral","sentiment_score":-0.026937637105584146},{"text":"So that is kind of the thing to be mindful of.","start":219.425,"end":222.245,"sentiment":"neutral","sentiment_score":-0.012099716473709454},{"text":"Yeah.","start":222.465,"end":222.965,"sentiment":"neutral","sentiment_score":0.008601692505180836},{"text":"So yes.","start":223.665,"end":226.00499,"sentiment":"neutral","sentiment_score":0.0023647937923669815},{"text":"So that will be 67.","start":226.14499,"end":228.065,"sentiment":"neutral","sentiment_score":0.010093417018651962}],"sentiment":"neutral","sentiment_score":-0.00849944589814792,"num_words":24,"start":217.265,"end":228.065},{"sentences":[{"text":"So you can take everything and do what you want if you stop working at 60.","start":228.065,"end":232.00499,"sentiment":"neutral","sentiment_score":0.08825353905558586},{"text":"Obviously, just be mindful that each pension, if you're eligible, would not kick in until '67.","start":232.41,"end":238.75,"sentiment":"neutral","sentiment_score":-0.015367906511528417},{"text":"Yes.","start":243.61,"end":244.11,"sentiment":"neutral","sentiment_score":0.05030323192477226},{"text":"Yes.","start":247.965,"end":248.465,"sentiment":"neutral","sentiment_score":0.1233854740858078},{"text":"Exactly.","start":248.525,"end":249.025,"sentiment":"neutral","sentiment_score":0.2147157192230225}],"sentiment":"neutral","sentiment_score":0.044416415598243476,"num_words":35,"start":228.065,"end":249.025},{"sentences":[{"text":"Yes.","start":249.645,"end":250.145,"sentiment":"neutral","sentiment_score":0.173269584774971},{"text":"Yes.","start":259.965,"end":260.465,"sentiment":"neutral","sentiment_score":0.06156432628631592},{"text":"Sorry.","start":260.65,"end":260.88998,"sentiment":"neutral","sentiment_score":0.041101619601249695},{"text":"That's what a lot of people do as well, is that they draw an income.","start":260.88998,"end":266.00998,"sentiment":"neutral","sentiment_score":0.07009814828634262},{"text":"So instead of having, because it's age pension, it also factors in, like, income and stuff.","start":266.00998,"end":271.94998,"sentiment":"neutral","sentiment_score":0.029723094194196165}],"sentiment":"neutral","sentiment_score":0.05302874300190631,"num_words":34,"start":249.645,"end":271.94998},{"sentences":[{"text":"But what I can do so part of the research is that I can kind of make assumptions based on your current position.","start":272.09,"end":282.095,"sentiment":"neutral","sentiment_score":0.09181108358113663},{"text":"If you are when you turn 67 and the way, obviously, super and stuff will be tracking, if you would be eligible for age pension and kind of how that would look like.","start":282.715,"end":293.85,"sentiment":"neutral","sentiment_score":0.06784731477047458},{"text":"So I can include all of that as a bit of a a guide for you if you would 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when it comes through that transition to retirement, that is really tax effective as well.","start":318.3,"end":324.71997,"sentiment":"positive","sentiment_score":0.3392674317583442},{"text":"It's more tax effective the higher income you you earn.","start":325.81998,"end":330.15997,"sentiment":"positive","sentiment_score":0.39292949736118316},{"text":"Mhmm.","start":331.18,"end":331.58,"sentiment":"neutral","sentiment_score":0.07453157007694244},{"text":"But that is also something that when you do turn 60 that we can have a a bit of a look, yeah, which is really good.","start":331.58,"end":340.115,"sentiment":"neutral","sentiment_score":0.09671343948978645},{"text":"So I'll make a little note of that.","start":340.115,"end":342.13498,"sentiment":"neutral","sentiment_score":0.10413114540278912}],"sentiment":"neutral","sentiment_score":0.2095033449471974,"num_words":61,"start":318.3,"end":342.13498},{"sentences":[{"text":"Otherwise, you would be planning on taking super at 67, do you think, or do you think 60 five?","start":343.315,"end":349.91998,"sentiment":"neutral","sentiment_score":0.05079255017795061},{"text":"Ideally.","start":351.26,"end":351.76,"sentiment":"neutral","sentiment_score":-0.025081073865294456},{"text":"Mhmm.","start":353.9,"end":354.4,"sentiment":"neutral","sentiment_score":-0.038986556231975555},{"text":"60 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account.","start":380.97,"end":391.315,"sentiment":"neutral","sentiment_score":0.2107435455545783}],"sentiment":"neutral","sentiment_score":0.2457237199500755,"num_words":54,"start":373.215,"end":391.315},{"sentences":[{"text":"And then you might go and spend it a little bit, and then you're like, oh goodness.","start":391.315,"end":395.415,"sentiment":"neutral","sentiment_score":0.11294667904867846},{"text":"So yeah.","start":397.315,"end":399.415,"sentiment":"neutral","sentiment_score":0.019772619009017944},{"text":"And you can change that whenever you want to anyway.","start":400.275,"end":402.515,"sentiment":"neutral","sentiment_score":0.1883166678249836},{"text":"So if it is that you do an income and you some emergency come up and you need a little bit more, we can always reassess that for you.","start":402.515,"end":410.82,"sentiment":"neutral","sentiment_score":0.041949476404436706},{"text":"Yeah.","start":411.92,"end":412.42,"sentiment":"neutral","sentiment_score":0.22121503949165344}],"sentiment":"neutral","sentiment_score":0.08950093754772413,"num_words":59,"start":391.315,"end":412.42},{"sentences":[{"text":"No worries.","start":412.64,"end":413.38,"sentiment":"neutral","sentiment_score":0.1713523268699646},{"text":"Now with the calculations as well, I do kinda factor in that when you do turn 67, kind of an ideal income that you would need to sustain your retirement, cover bills and expenses, and everything like that.","start":414.0,"end":427.955,"sentiment":"neutral","sentiment_score":0.15207765819995026},{"text":"I have here about a thousand dollars a week.","start":428.735,"end":431.375,"sentiment":"neutral","sentiment_score":0.15453380346298218},{"text":"Is that still kind of achievable for you, or do you think you need more or less?","start":431.375,"end":436.33,"sentiment":"neutral","sentiment_score":0.10144910282071899},{"text":"Mhmm.","start":442.15,"end":442.65,"sentiment":"neutral","sentiment_score":0.029305899515748024}],"sentiment":"neutral","sentiment_score":0.13830448573093806,"num_words":67,"start":412.64,"end":442.65},{"sentences":[{"text":"Yes.","start":443.59,"end":444.09,"sentiment":"neutral","sentiment_score":0.06856869906187057},{"text":"Yep.","start":445.43,"end":445.93,"sentiment":"neutral","sentiment_score":0.0931505486369133},{"text":"Yes.","start":449.11,"end":449.475,"sentiment":"neutral","sentiment_score":0.1377078890800476},{"text":"Yes.","start":455.95502,"end":456.435,"sentiment":"neutral","sentiment_score":0.09056460857391356},{"text":"And if how much combined would you if you were to say right now, do you think you'd 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that in for you.","start":478.045,"end":480.18503,"sentiment":"neutral","sentiment_score":0.25450429506599903},{"text":"And what I will do as well is just to kind of run through just a bit of an updated fact fund with you just to see if there's anything else that's changed that we need to kinda factor in through the advice for you.","start":483.045,"end":494.12,"sentiment":"neutral","sentiment_score":0.08810358126130369},{"text":"So bear with me.","start":495.13998,"end":495.94,"sentiment":"neutral","sentiment_score":0.059324163012206554},{"text":"I'll try to go through this quickly with you.","start":495.94,"end":498.2,"sentiment":"neutral","sentiment_score":0.11119916786750157}],"sentiment":"neutral","sentiment_score":0.1153217897986743,"num_words":67,"start":477.845,"end":498.2},{"sentences":[{"text":"Now personal information, I have you down here as single with no financial dependent.","start":499.13998,"end":505.955,"sentiment":"neutral","sentiment_score":0.05859582046312945},{"text":"Your son's a bit older.","start":506.895,"end":508.095,"sentiment":"neutral","sentiment_score":0.021942852810025216},{"text":"Is that correct?","start":508.095,"end":508.91498,"sentiment":"neutral","sentiment_score":0.040413178503513336},{"text":"Yep.","start":509.535,"end":510.035,"sentiment":"neutral","sentiment_score":0.04083633795380592},{"text":"Oh, nice.","start":510.975,"end":511.875,"sentiment":"neutral","sentiment_score":0.3323652744293213}],"sentiment":"neutral","sentiment_score":0.07027448691427708,"num_words":25,"start":499.13998,"end":511.875},{"sentences":[{"text":"Did you guys do anything 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stuff if something were to happen to you.","start":527.14,"end":530.76,"sentiment":"neutral","sentiment_score":0.0956125262265022},{"text":"Yep.","start":531.38,"end":531.88,"sentiment":"neutral","sentiment_score":0.1204846203327179},{"text":"Great.","start":531.94,"end":532.44,"sentiment":"neutral","sentiment_score":0.25289440155029297}],"sentiment":"neutral","sentiment_score":0.11616819035261869,"num_words":20,"start":523.78,"end":532.44},{"sentences":[{"text":"Now employment wise, has any of that changed for you in the last twelve months?","start":532.875,"end":537.775,"sentiment":"neutral","sentiment_score":0.021130153288443882},{"text":"Perfect.","start":537.995,"end":538.47504,"sentiment":"neutral","sentiment_score":0.041928913444280624},{"text":"So still business manager, full time.","start":538.47504,"end":541.455,"sentiment":"neutral","sentiment_score":0.0019502352612713978},{"text":"Yep.","start":541.675,"end":542.155,"sentiment":"neutral","sentiment_score":0.014170994982123377},{"text":"I have income at around 105,000.","start":542.155,"end":545.055,"sentiment":"neutral","sentiment_score":-0.0024156528913105526}],"sentiment":"neutral","sentiment_score":0.012767575930097494,"num_words":29,"start":532.875,"end":545.055},{"sentences":[{"text":"Is that still the case, or has that changed a bit?","start":545.44,"end":548.5,"sentiment":"neutral","sentiment_score":-0.0007230163636532699},{"text":"Around a 100 and Yeah?","start":557.2,"end":559.195,"sentiment":"neutral","sentiment_score":-0.0033658504486083984},{"text":"Okay.","start":560.375,"end":560.875,"sentiment":"neutral","sentiment_score":0.022884070873260495},{"text":"And they just pay that standard 12% contribution into 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consider?","start":703.125,"end":706.825,"sentiment":"neutral","sentiment_score":0.012290489782268802},{"text":"Mhmm.","start":712.51996,"end":712.92,"sentiment":"neutral","sentiment_score":0.01725330762565136}],"sentiment":"neutral","sentiment_score":-0.002407389460131526,"num_words":16,"start":701.765,"end":712.92},{"sentences":[{"text":"Okay.","start":712.92,"end":713.42,"sentiment":"neutral","sentiment_score":0.16925977170467377},{"text":"Perfect.","start":714.12,"end":714.62,"sentiment":"neutral","sentiment_score":0.3087615668773651},{"text":"Yep.","start":717.16,"end":717.56,"sentiment":"neutral","sentiment_score":0.2504696547985077},{"text":"That's good.","start":717.56,"end":718.04,"sentiment":"positive","sentiment_score":0.3847983330488205},{"text":"Any other liabilities, like personal loans, credit card, 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good.","start":735.44995,"end":735.93,"sentiment":"positive","sentiment_score":0.39222104847431183},{"text":"And that was just about $22, did you say?","start":735.93,"end":738.35,"sentiment":"neutral","sentiment_score":0.07745907207330067},{"text":"Yeah.","start":738.97,"end":739.47,"sentiment":"neutral","sentiment_score":0.01853172481060028}],"sentiment":"neutral","sentiment_score":0.14380786887237004,"num_words":14,"start":733.605,"end":739.47},{"sentences":[{"text":"No worries.","start":740.25,"end":741.14996,"sentiment":"neutral","sentiment_score":0.01027267426252365},{"text":"Now health and lifestyle, I have you done here just as a social smoker, if that's the case?","start":741.61,"end":747.585,"sentiment":"neutral","sentiment_score":-0.05810366322596868},{"text":"Yep.","start":748.78503,"end":749.28503,"sentiment":"neutral","sentiment_score":0.004012095741927624},{"text":"And have you had That's okay.","start":749.66504,"end":759.445,"sentiment":"neutral","sentiment_score":-0.031641208256284394},{"text":"I'm sorry to hear.","start":760.86505,"end":762.16003,"sentiment":"neutral","sentiment_score":-0.1190546490252018}],"sentiment":"neutral","sentiment_score":-0.05443143030448306,"num_words":31,"start":740.25,"end":762.16003},{"sentences":[{"text":"Yeah.","start":763.42004,"end":763.92004,"sentiment":"neutral","sentiment_score":-0.08295313268899918},{"text":"Yes.","start":765.74,"end":766.24,"sentiment":"neutral","sentiment_score":-0.06074798107147217},{"text":"Okay.","start":771.82,"end":772.32,"sentiment":"neutral","sentiment_score":0.0025279708206653595},{"text":"Yeah.","start":772.54004,"end":773.04004,"sentiment":"neutral","sentiment_score":0.005817139521241188},{"text":"No.","start":773.10004,"end":773.34,"sentiment":"neutral","sentiment_score":-0.021291259676218033}],"sentiment":"neutral","sentiment_score":-0.03132945261895657,"num_words":5,"start":763.42004,"end":773.34},{"sentences":[{"text":"That is all good.","start":773.34,"end":774.38,"sentiment":"neutral","sentiment_score":0.08127403352409601},{"text":"And have you had any changes to your health otherwise?","start":774.38,"end":779.605,"sentiment":"neutral","sentiment_score":-0.010016128420829773},{"text":"Any health issues or injuries?","start":779.905,"end":782.085,"sentiment":"neutral","sentiment_score":-0.04706247672438622},{"text":"No.","start":782.305,"end":782.805,"sentiment":"neutral","sentiment_score":-0.1306961625814438},{"text":"Great.","start":783.585,"end":784.085,"sentiment":"neutral","sentiment_score":0.287656307220459}],"sentiment":"neutral","sentiment_score":0.00698012432881764,"num_words":21,"start":773.34,"end":784.085},{"sentences":[{"text":"That's good, though.","start":784.705,"end":785.745,"sentiment":"positive","sentiment_score":0.3760324815909068},{"text":"I like that.","start":785.745,"end":786.72504,"sentiment":"neutral","sentiment_score":0.24099768698215485},{"text":"When it comes to health, people are like, no.","start":787.585,"end":789.51,"sentiment":"neutral","sentiment_score":0.039731085714366704},{"text":"I'm healthy.","start":789.51,"end":789.99,"sentiment":"neutral","sentiment_score":0.026629087515175343},{"text":"I'm like, yes.","start":789.99,"end":790.63,"sentiment":"neutral","sentiment_score":0.302346408367157}],"sentiment":"neutral","sentiment_score":0.15844838386401533,"num_words":20,"start":784.705,"end":790.63},{"sentences":[{"text":"Good.","start":790.63,"end":791.13,"sentiment":"positive","sentiment_score":0.4878868460655213},{"text":"And do you have private health 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place?","start":799.43,"end":805.93506,"sentiment":"neutral","sentiment_score":0.05492057303260816},{"text":"Nope.","start":807.35504,"end":807.85504,"sentiment":"neutral","sentiment_score":-0.059110306203365326},{"text":"Okay.","start":808.315,"end":808.815,"sentiment":"neutral","sentiment_score":0.03361006826162338},{"text":"Yep.","start":814.875,"end":815.375,"sentiment":"neutral","sentiment_score":0.09333324432373048},{"text":"Yep.","start":816.395,"end":816.895,"sentiment":"neutral","sentiment_score":0.1556696593761444}],"sentiment":"neutral","sentiment_score":0.05508667623381252,"num_words":23,"start":799.43,"end":816.895},{"sentences":[{"text":"Okay.","start":817.11505,"end":817.61505,"sentiment":"positive","sentiment_score":0.33868011832237244},{"text":"Perfect.","start":817.67505,"end":818.13,"sentiment":"positive","sentiment_score":0.5210137963294983},{"text":"Otherwise, I guess, when it comes to other goals and stuff that you are working towards, obviously, aside from getting a bit more kind of insight on superannuation and then when you turn 60, looking at potentially different strategies depending on where things are at.","start":819.65,"end":834.17505,"sentiment":"neutral","sentiment_score":0.14985885007513894},{"text":"Obviously, last time we spoke, your main focus was to buy a property, which you have done, which is great.","start":834.17505,"end":839.075,"sentiment":"positive","sentiment_score":0.4649830386042595},{"text":"So do you have anything else at the moment that you are kind of working towards in the next couple of years, or is it mainly for, like, retirement planning?","start":840.015,"end":849.62,"sentiment":"neutral","sentiment_score":0.0568936200812459}],"sentiment":"neutral","sentiment_score":0.19185372724284216,"num_words":97,"start":817.11505,"end":849.62},{"sentences":[{"text":"Mhmm.","start":850.0,"end":850.5,"sentiment":"neutral","sentiment_score":0.036198556423187256},{"text":"Yep.","start":850.88,"end":851.38,"sentiment":"neutral","sentiment_score":0.09736323356628418},{"text":"Yep.","start":860.08,"end":860.265,"sentiment":"neutral","sentiment_score":0.1083792969584465},{"text":"Yep.","start":871.625,"end":872.125,"sentiment":"neutral","sentiment_score":0.049007244408130646},{"text":"Yep.","start":872.585,"end":873.085,"sentiment":"neutral","sentiment_score":0.05503513664007187}],"sentiment":"neutral","sentiment_score":0.06919669359922409,"num_words":5,"start":850.0,"end":873.085},{"sentences":[{"text":"Yep.","start":873.865,"end":874.365,"sentiment":"neutral","sentiment_score":0.035848479717969894},{"text":"Yep.","start":877.2,"end":877.7,"sentiment":"neutral","sentiment_score":-0.00850846990942955},{"text":"Yep.","start":880.32,"end":880.8,"sentiment":"neutral","sentiment_score":0.009642278775572777},{"text":"No.","start":880.8,"end":881.04,"sentiment":"neutral","sentiment_score":0.02920614555478096},{"text":"Perfect.","start":881.04,"end":881.54,"sentiment":"neutral","sentiment_score":0.24096497893333435}],"sentiment":"neutral","sentiment_score":0.06143068261444569,"num_words":5,"start":873.865,"end":881.54},{"sentences":[{"text":"So with your superannuation as well, we usually go through just a bit of an updated risk profile questionnaire you would know from last time just to see if there is anything that has changed with your risk tolerance if we also need to make any changes.","start":883.2,"end":898.045,"sentiment":"neutral","sentiment_score":0.021018483537308712},{"text":"So I guess when it comes to how much risk you are currently comfortable taking for your superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk?","start":900.105,"end":914.02,"sentiment":"neutral","sentiment_score":-0.07348014894676835},{"text":"Yep.","start":919.305,"end":919.625,"sentiment":"neutral","sentiment_score":0.08993449807167053},{"text":"Okay.","start":919.625,"end":920.125,"sentiment":"neutral","sentiment_score":0.08349809050559998},{"text":"Mhmm.","start":923.625,"end":924.125,"sentiment":"neutral","sentiment_score":0.026893751695752144}],"sentiment":"neutral","sentiment_score":-0.01822784765284847,"num_words":88,"start":883.2,"end":924.125},{"sentences":[{"text":"Yes.","start":925.625,"end":926.125,"sentiment":"neutral","sentiment_score":0.03302091360092163},{"text":"Yep.","start":928.14,"end":928.64,"sentiment":"neutral","sentiment_score":0.08081410825252533},{"text":"Yes.","start":933.18005,"end":933.68005,"sentiment":"neutral","sentiment_score":0.31602174043655396},{"text":"Okay.","start":935.26,"end":935.76,"sentiment":"neutral","sentiment_score":0.27438241243362427},{"text":"Yep.","start":936.14,"end":936.64,"sentiment":"neutral","sentiment_score":0.24845978617668152}],"sentiment":"neutral","sentiment_score":0.19053979218006134,"num_words":5,"start":925.625,"end":936.64},{"sentences":[{"text":"Okay.","start":937.18005,"end":937.42004,"sentiment":"positive","sentiment_score":0.3742735981941223},{"text":"Perfect.","start":937.42004,"end":937.92004,"sentiment":"positive","sentiment_score":0.6441292762756348},{"text":"And you are in a good spot where you are in that balanced growth portfolio where you have a good com like, you're still focusing on growing, but you do have that conservative element through the portfolio as well.","start":938.30005,"end":952.435,"sentiment":"positive","sentiment_score":0.3663567698154694},{"text":"Yes.","start":955.375,"end":955.875,"sentiment":"neutral","sentiment_score":0.15002763271331787},{"text":"Yes.","start":958.815,"end":959.315,"sentiment":"neutral","sentiment_score":0.18594858050346377}],"sentiment":"positive","sentiment_score":0.36377425838348476,"num_words":43,"start":937.18005,"end":959.315},{"sentences":[{"text":"No.","start":959.67,"end":959.91,"sentiment":"neutral","sentiment_score":0.2089216262102127},{"text":"And I think that's that's really good.","start":959.91,"end":961.83,"sentiment":"positive","sentiment_score":0.39990798916135517},{"text":"So we will leave your balance growth.","start":961.83,"end":964.17,"sentiment":"neutral","sentiment_score":0.18118898357663835},{"text":"Now, Lisa, do you have access to your emails at the moment?","start":965.02997,"end":967.77,"sentiment":"neutral","sentiment_score":0.0441555626069506},{"text":"Okay.","start":971.83,"end":972.31,"sentiment":"neutral","sentiment_score":0.10301452875137328}],"sentiment":"neutral","sentiment_score":0.17533863269324815,"num_words":28,"start":959.67,"end":972.31},{"sentences":[{"text":"Yes.","start":972.31,"end":972.71,"sentiment":"neutral","sentiment_score":0.11230824887752532},{"text":"If you can, that would be good because I have sent you an email with a couple of documents to kind of run through with you if you can get those up.","start":972.71,"end":981.90497,"sentiment":"neutral","sentiment_score":0.16656906832940876},{"text":"Yes.","start":986.52496,"end":987.005,"sentiment":"neutral","sentiment_score":0.04581989347934723},{"text":"Just when I just when you answer the phone.","start":987.005,"end":989.13,"sentiment":"neutral","sentiment_score":0.030811976848377123},{"text":"Phone.","start":993.37,"end":993.69,"sentiment":"neutral","sentiment_score":0.022091979160904884}],"sentiment":"neutral","sentiment_score":0.13153950226577846,"num_words":44,"start":972.31,"end":993.69},{"sentences":[{"text":"Yes.","start":993.69,"end":994.19,"sentiment":"neutral","sentiment_score":0.05731362849473953},{"text":"So it has changed slightly from last year, the software.","start":994.49,"end":997.93,"sentiment":"neutral","sentiment_score":0.030155018903315067},{"text":"It's kind of the same, though, where it will ask you to click on the link.","start":997.93,"end":1001.445,"sentiment":"neutral","sentiment_score":0.049990199506282806},{"text":"It will allow you to open up and look at everything first, though, before it prompts you to sign anything just to make sure you are happy first.","start":1001.925,"end":1008.985,"sentiment":"neutral","sentiment_score":0.1453175385083471},{"text":"Yes.","start":1010.405,"end":1010.905,"sentiment":"neutral","sentiment_score":0.071255162358284}],"sentiment":"neutral","sentiment_score":0.09462237946822175,"num_words":56,"start":993.69,"end":1010.905},{"sentences":[{"text":"If you click on sign, does it then open up, like, a super and insurance summary?","start":1016.565,"end":1023.61005,"sentiment":"neutral","sentiment_score":0.07195738865993917},{"text":"Yes.","start":1025.43,"end":1025.91,"sentiment":"neutral","sentiment_score":0.13255369663238523},{"text":"Okay.","start":1025.91,"end":1026.39,"sentiment":"neutral","sentiment_score":0.2468213140964508},{"text":"Perfect.","start":1026.39,"end":1026.87,"sentiment":"positive","sentiment_score":0.5015772581100464},{"text":"That's good.","start":1026.87,"end":1027.61,"sentiment":"positive","sentiment_score":0.3384649530053139}],"sentiment":"neutral","sentiment_score":0.12900954254326366,"num_words":21,"start":1016.565,"end":1027.61},{"sentences":[{"text":"So with your super and insurance, you can see here that you do have your superannuation with hub twenty four, and you do have about $207,687 in there.","start":1028.31,"end":1043.8049,"sentiment":"neutral","sentiment_score":0.2912391535937786},{"text":"And then you also have a income protection policy, and that would pay you a monthly amount of 6,092.","start":1044.52,"end":1055.58,"sentiment":"neutral","sentiment_score":0.27157904286133616},{"text":"You have that ninety day waiting period, five year benefit period.","start":1056.12,"end":1059.855,"sentiment":"neutral","sentiment_score":0.2179830318147486},{"text":"You get a little tax rebate because it's paid from within super, and it's about 2,400 and 12.","start":1059.855,"end":1066.595,"sentiment":"neutral","sentiment_score":0.18891275487840176},{"text":"Mhmm.","start":1069.935,"end":1070.435,"sentiment":"neutral","sentiment_score":0.015136818401515484}],"sentiment":"neutral","sentiment_score":0.24841659572943078,"num_words":77,"start":1028.31,"end":1070.435},{"sentences":[{"text":"Yes.","start":1070.975,"end":1071.39,"sentiment":"neutral","sentiment_score":0.023716390132904053},{"text":"Okay.","start":1073.31,"end":1073.81,"sentiment":"neutral","sentiment_score":0.015528738498687744},{"text":"Yes.","start":1077.71,"end":1078.21,"sentiment":"neutral","sentiment_score":-0.03996659070253372},{"text":"Yes.","start":1081.55,"end":1082.05,"sentiment":"neutral","sentiment_score":-0.01013297773897648},{"text":"Mhmm.","start":1083.39,"end":1083.89,"sentiment":"neutral","sentiment_score":-0.0260106697678566}],"sentiment":"neutral","sentiment_score":-0.007373021915555002,"num_words":5,"start":1070.975,"end":1083.89},{"sentences":[{"text":"Yes.","start":1086.51,"end":1086.915,"sentiment":"neutral","sentiment_score":-0.005773808807134628},{"text":"So we had quite a few clients yesterday as well with that exact same issue.","start":1087.3151,"end":1092.935,"sentiment":"neutral","sentiment_score":-0.000014571845531463623},{"text":"So you were not the only one.","start":1092.995,"end":1094.275,"sentiment":"neutral","sentiment_score":-0.029488489563976015},{"text":"A lot of people had had issues.","start":1094.275,"end":1097.015,"sentiment":"neutral","sentiment_score":-0.041571030127150674},{"text":"So at least I'm glad that you got an answer.","start":1097.7151,"end":1100.035,"sentiment":"positive","sentiment_score":0.4815154403448105}],"sentiment":"neutral","sentiment_score":0.10779363447800279,"num_words":40,"start":1086.51,"end":1100.035},{"sentences":[{"text":"Phone them.","start":1100.035,"end":1100.355,"sentiment":"neutral","sentiment_score":0.2047107294201851},{"text":"If you do have any issues, you can always just call us as well if it's easier because sometimes the wait to have 24 and and stuff can be a little bit longer.","start":1100.355,"end":1108.51,"sentiment":"neutral","sentiment_score":-0.04283770365696965},{"text":"And what was that in regards to?","start":1118.2949,"end":1120.715,"sentiment":"neutral","sentiment_score":-0.021016952315611497},{"text":"Mhmm.","start":1124.215,"end":1124.715,"sentiment":"neutral","sentiment_score":-0.005374864209443331},{"text":"Yes.","start":1134.47,"end":1134.97,"sentiment":"neutral","sentiment_score":0.09642058610916138}],"sentiment":"neutral","sentiment_score":-0.024097629685208878,"num_words":44,"start":1100.035,"end":1134.97},{"sentences":[{"text":"Yes.","start":1144.045,"end":1144.285,"sentiment":"neutral","sentiment_score":0.09824119508266448},{"text":"Let let me log in to your account right now and see.","start":1144.285,"end":1146.525,"sentiment":"neutral","sentiment_score":0.11320178428043921},{"text":"But, yes, we had a lot of people yesterday.","start":1146.525,"end":1148.685,"sentiment":"neutral","sentiment_score":0.1780107327633434},{"text":"We I haven't had anyone having any issues today.","start":1148.685,"end":1151.345,"sentiment":"neutral","sentiment_score":0.05631101131439209},{"text":"But let me log in to your account, and I can see if it's dropped there.","start":1151.5651,"end":1155.985,"sentiment":"neutral","sentiment_score":-0.005901140044443309}],"sentiment":"neutral","sentiment_score":0.07385404388162684,"num_words":47,"start":1144.045,"end":1155.985},{"sentences":[{"text":"But, yeah, we had a lot of clients yesterday having the same thing.","start":1156.11,"end":1159.5499,"sentiment":"neutral","sentiment_score":-0.03656842158390926},{"text":"Payroll had a bit of an issue with processing, and it was just like a back end or with hub twenty four.","start":1159.5499,"end":1168.45,"sentiment":"neutral","sentiment_score":-0.12104433351619677},{"text":"And they advised us as well that that should have been resolved and shouldn't be any issues moving forward and that all the contributions have been received.","start":1168.675,"end":1179.415,"sentiment":"neutral","sentiment_score":-0.01869807870685623},{"text":"But let me just triple check your account as well just to that make sure that's the case.","start":1179.715,"end":1185.2201,"sentiment":"neutral","sentiment_score":0.020574333663615916},{"text":"Just bear with me.","start":1186.4801,"end":1187.7001,"sentiment":"neutral","sentiment_score":-0.033754656091332436}],"sentiment":"neutral","sentiment_score":-0.04057016144586322,"num_words":84,"start":1156.11,"end":1187.7001},{"sentences":[{"text":"Now it doesn't look like it's coming to your account yet.","start":1206.3351,"end":1210.2101,"sentiment":"neutral","sentiment_score":-0.16589415073394775},{"text":"I will make a note, and I will get the team to have a look tomorrow morning just because they do have they have shut today And keep an eye on it.","start":1212.1901,"end":1225.665,"sentiment":"neutral","sentiment_score":0.044909760472364724},{"text":"And if it hasn't dropped by tomorrow, to give them to give Hub twenty four a follow-up call because they told us that it should have been sorted.","start":1225.725,"end":1234.305,"sentiment":"neutral","sentiment_score":0.05062355457006821},{"text":"And then I'll get them through do you want them to give you a quick call or text or email?","start":1235.4801,"end":1240.78,"sentiment":"neutral","sentiment_score":0.05104073947295547},{"text":"What do you prefer?","start":1241.0,"end":1241.9801,"sentiment":"neutral","sentiment_score":0.03505447320640087}],"sentiment":"neutral","sentiment_score":0.02306072512935651,"num_words":95,"start":1206.3351,"end":1241.9801},{"sentences":[{"text":"Yep.","start":1244.92,"end":1245.42,"sentiment":"neutral","sentiment_score":0.04690400883555412},{"text":"Yes.","start":1247.4,"end":1247.895,"sentiment":"neutral","sentiment_score":0.049726665019989014},{"text":"Yes.","start":1251.735,"end":1252.135,"sentiment":"neutral","sentiment_score":0.05247797071933746},{"text":"Yep.","start":1252.135,"end":1252.375,"sentiment":"neutral","sentiment_score":0.054993778467178345},{"text":"Yep.","start":1252.375,"end":1252.615,"sentiment":"neutral","sentiment_score":0.07714289426803589}],"sentiment":"neutral","sentiment_score":0.05624906346201897,"num_words":5,"start":1244.92,"end":1252.615},{"sentences":[{"text":"Yep.","start":1252.615,"end":1252.855,"sentiment":"neutral","sentiment_score":0.15654203295707703},{"text":"Perfect.","start":1252.855,"end":1253.335,"sentiment":"positive","sentiment_score":0.4267427921295166},{"text":"Now I'll make a little note for the team to have a look at that first thing tomorrow when they open, see if it's dropped in your account.","start":1253.335,"end":1260.3151,"sentiment":"neutral","sentiment_score":0.1588036987398352},{"text":"And if not, call Hub twenty four and query what is happening because, yeah, they said everything should have been sorted by now.","start":1260.375,"end":1268.99,"sentiment":"neutral","sentiment_score":0.11821288202443848},{"text":"And I'll get them to give you a quick call as soon as they've heard back from Hub twenty four as well just to give you that update.","start":1268.99,"end":1274.625,"sentiment":"neutral","sentiment_score":0.17311322609228746}],"sentiment":"neutral","sentiment_score":0.15550438280182857,"num_words":81,"start":1252.615,"end":1274.625},{"sentences":[{"text":"Yep.","start":1275.485,"end":1275.985,"sentiment":"neutral","sentiment_score":0.27303946018218994},{"text":"Yep.","start":1277.485,"end":1277.965,"sentiment":"neutral","sentiment_score":0.2819828987121582},{"text":"Perfect.","start":1277.965,"end":1278.465,"sentiment":"positive","sentiment_score":0.43060246109962463},{"text":"Now when it comes to your insurances, obviously, you don't have a life or total permanent disability.","start":1280.0449,"end":1285.085,"sentiment":"neutral","sentiment_score":-0.1132097456823377},{"text":"You're still comfortable just for that income protection?","start":1285.085,"end":1287.105,"sentiment":"neutral","sentiment_score":0.2920055892318487}],"sentiment":"neutral","sentiment_score":0.049896566330322197,"num_words":28,"start":1275.485,"end":1287.105},{"sentences":[{"text":"Perfect.","start":1300.96,"end":1301.025,"sentiment":"positive","sentiment_score":0.6259918808937073},{"text":"Okay.","start":1301.185,"end":1301.345,"sentiment":"positive","sentiment_score":0.390487939119339},{"text":"Perfect.","start":1301.345,"end":1301.845,"sentiment":"positive","sentiment_score":0.5470466613769531},{"text":"Now the next document should be a performance report with hub twenty four.","start":1302.225,"end":1307.685,"sentiment":"neutral","sentiment_score":0.20150658373649305},{"text":"Yep.","start":1308.0651,"end":1308.5651,"sentiment":"neutral","sentiment_score":0.14287419617176056}],"sentiment":"neutral","sentiment_score":0.25446978036095114,"num_words":17,"start":1300.96,"end":1308.5651},{"sentences":[{"text":"Perfect.","start":1308.625,"end":1309.125,"sentiment":"positive","sentiment_score":0.3790585696697235},{"text":"Now this might look a little bit messy if you are looking on the phone, but, essentially, it breaks down all your individual investments, how they have performed, and how much you have in each investment option.","start":1309.425,"end":1321.7001,"sentiment":"neutral","sentiment_score":0.10441817433850185},{"text":"Now this is over a twelve month period as well.","start":1322.0801,"end":1325.2201,"sentiment":"neutral","sentiment_score":0.0733409933745861},{"text":"So, yeah, so kind of like you touched on, obviously, we have seen a bit of market fluctuation the last twelve months with everything going on in The US.","start":1325.8401,"end":1333.7649,"sentiment":"neutral","sentiment_score":-0.021551702171564102},{"text":"And, obviously, with the war and stuff like that, there has been a bit of fluctuation.","start":1333.7649,"end":1337.625,"sentiment":"neutral","sentiment_score":-0.03796075750142336}],"sentiment":"neutral","sentiment_score":0.04025343517141958,"num_words":93,"start":1308.625,"end":1337.625},{"sentences":[{"text":"In saying that, though, your portfolio has still done pretty good considering.","start":1338.885,"end":1343.2849,"sentiment":"neutral","sentiment_score":0.306354238341252},{"text":"Mhmm.","start":1343.2849,"end":1343.5349,"sentiment":"neutral","sentiment_score":0.06678533554077148},{"text":"So considering.","start":1343.5349,"end":1346.4,"sentiment":"neutral","sentiment_score":0.055616719648242},{"text":"Mhmm.","start":1346.8601,"end":1347.3601,"sentiment":"neutral","sentiment_score":0.02989087998867035},{"text":"So when you're looking at a total, after fees, it's still gone up by 5.57%, which is about 15,250, and that is just from your investment earnings.","start":1347.74,"end":1362.7151,"sentiment":"neutral","sentiment_score":0.05465553114535632}],"sentiment":"neutral","sentiment_score":0.12464790362431559,"num_words":43,"start":1338.885,"end":1362.7151},{"sentences":[{"text":"Like, it's not contributions.","start":1362.7151,"end":1363.8551,"sentiment":"neutral","sentiment_score":0.0013910759007558227},{"text":"Yeah.","start":1365.1151,"end":1365.6151,"sentiment":"neutral","sentiment_score":0.09873464703559875},{"text":"Now when you have a look at the second column to the right for me, it should say internal rate of return.","start":1366.155,"end":1373.94,"sentiment":"neutral","sentiment_score":0.06342713246968659},{"text":"Yes.","start":1374.96,"end":1375.46,"sentiment":"neutral","sentiment_score":0.11234527826309204},{"text":"So this breaks down how each and every single one of the individual investment have performed.","start":1375.6799,"end":1381.5399,"sentiment":"neutral","sentiment_score":0.09159365808591247}],"sentiment":"neutral","sentiment_score":0.06994408346839588,"num_words":44,"start":1362.7151,"end":1381.5399},{"sentences":[{"text":"That is lithium.","start":1385.145,"end":1386.2051,"sentiment":"neutral","sentiment_score":0.01249301681915919},{"text":"So that one is a battery pack in lithium.","start":1386.425,"end":1389.485,"sentiment":"neutral","sentiment_score":0.010435180428127447},{"text":"So, obviously, a few prices, electric vehicles, gone through the roof.","start":1389.545,"end":1394.6051,"sentiment":"neutral","sentiment_score":-0.05333098684522239},{"text":"Now the one at the top that has bracket next to it, that is underperforming a little bit at the moment, which is your Ben and Long Australian Equity.","start":1397.43,"end":1406.25,"sentiment":"neutral","sentiment_score":-0.0664062842983624},{"text":"Correct.","start":1407.51,"end":1408.01,"sentiment":"neutral","sentiment_score":0.0009294886840507388}],"sentiment":"neutral","sentiment_score":-0.04490750824443926,"num_words":53,"start":1385.145,"end":1408.01},{"sentences":[{"text":"So yeah.","start":1410.8151,"end":1411.375,"sentiment":"neutral","sentiment_score":0.033028991892933846},{"text":"So this is the one I would I'll reassess all the investments anyway just to make sure, but that Benelon particular is one that I would like to potentially look at changing for you, especially because recently, they've been a little bit slower in making those investment decisions.","start":1411.375,"end":1428.87,"sentiment":"neutral","sentiment_score":-0.03379512263927609},{"text":"And if there are any better options out there for you moving forward, then we obviously wanna be proactive with that.","start":1429.33,"end":1436.705,"sentiment":"neutral","sentiment_score":-0.0009517392054909752},{"text":"Yep.","start":1436.705,"end":1437.205,"sentiment":"positive","sentiment_score":0.436007559299469},{"text":"So yep.","start":1437.4249,"end":1438.465,"sentiment":"positive","sentiment_score":0.44704569876194}],"sentiment":"neutral","sentiment_score":-0.0033242630998830537,"num_words":74,"start":1410.8151,"end":1438.465},{"sentences":[{"text":"Perfect.","start":1438.465,"end":1438.865,"sentiment":"positive","sentiment_score":0.5676605701446533},{"text":"So I'll do some research for you and then include kind of everything in that strategy that we can go through together.","start":1438.865,"end":1445.205,"sentiment":"neutral","sentiment_score":0.2765295607122508},{"text":"Now next document should just be your ascender certificate of currency, I believe.","start":1446.145,"end":1451.9601,"sentiment":"neutral","sentiment_score":0.057535552634642675},{"text":"Yep.","start":1452.7401,"end":1453.2401,"sentiment":"neutral","sentiment_score":0.11159951984882356},{"text":"Just Exactly.","start":1459.9401,"end":1461.0,"sentiment":"neutral","sentiment_score":0.10901748761534691}],"sentiment":"neutral","sentiment_score":0.19817711756779596,"num_words":39,"start":1438.465,"end":1461.0},{"sentences":[{"text":"Yes.","start":1461.3,"end":1461.705,"sentiment":"neutral","sentiment_score":0.06874185055494308},{"text":"And and, obviously, with the market and everything, things will fluctuate a little bit, and that's just kind of the nature.","start":1462.6649,"end":1470.105,"sentiment":"neutral","sentiment_score":0.029533288796387967},{"text":"But but given everything, it's still done pretty good, especially considering when you are in that balanced growth portfolio, having that little bit conservative element as well.","start":1470.105,"end":1480.65,"sentiment":"neutral","sentiment_score":0.21207918723424277},{"text":"So quite happy with that, but I do wanna have a bit of a reassessment.","start":1480.65,"end":1484.11,"sentiment":"neutral","sentiment_score":0.1585259109735489},{"text":"Now next documents, what is that one that you can see, Lisa?","start":1486.25,"end":1490.145,"sentiment":"neutral","sentiment_score":0.02848821273073554}],"sentiment":"neutral","sentiment_score":0.12019508142073296,"num_words":76,"start":1461.3,"end":1490.145},{"sentences":[{"text":"Yes.","start":1490.9451,"end":1491.4451,"sentiment":"neutral","sentiment_score":0.05207107961177826},{"text":"So that basically just shows you break down your insurance again in more detail.","start":1492.0651,"end":1496.545,"sentiment":"neutral","sentiment_score":0.05825490664158549},{"text":"Just let you know that's all paid and up to date, essentially.","start":1496.545,"end":1498.965,"sentiment":"neutral","sentiment_score":0.0741408768420418},{"text":"Yes.","start":1502.785,"end":1503.105,"sentiment":"neutral","sentiment_score":0.005582352634519339},{"text":"It used to be MLC.","start":1503.105,"end":1504.29,"sentiment":"neutral","sentiment_score":-0.003118031960912049}],"sentiment":"neutral","sentiment_score":0.05294916628874048,"num_words":33,"start":1490.9451,"end":1504.29},{"sentences":[{"text":"Yes.","start":1506.05,"end":1506.55,"sentiment":"neutral","sentiment_score":0.026475118473172188},{"text":"Then move over.","start":1506.8501,"end":1507.73,"sentiment":"neutral","sentiment_score":-0.002736339345574379},{"text":"Your insurance didn't change, though.","start":1507.73,"end":1509.67,"sentiment":"neutral","sentiment_score":-0.06332970559597015},{"text":"It's it's the same.","start":1510.29,"end":1511.49,"sentiment":"neutral","sentiment_score":-0.03379209013655782},{"text":"It's just another company that took over from it.","start":1511.49,"end":1514.0701,"sentiment":"neutral","sentiment_score":-0.017290441422826715}],"sentiment":"neutral","sentiment_score":-0.02678021640432152,"num_words":22,"start":1506.05,"end":1514.0701},{"sentences":[{"text":"Yes.","start":1514.13,"end":1514.63,"sentiment":"neutral","sentiment_score":0.0954696387052536},{"text":"Now next one, is that your Vanguard index chart?","start":1515.73,"end":1519.095,"sentiment":"neutral","sentiment_score":0.0606582545571857},{"text":"Yeah.","start":1520.355,"end":1520.855,"sentiment":"neutral","sentiment_score":0.04420140758156776},{"text":"And you've seen something like this before?","start":1520.995,"end":1523.255,"sentiment":"neutral","sentiment_score":0.04040274928723063},{"text":"Yeah.","start":1524.355,"end":1524.755,"sentiment":"neutral","sentiment_score":0.3020531237125397}],"sentiment":"neutral","sentiment_score":0.06686672136971825,"num_words":19,"start":1514.13,"end":1524.755},{"sentences":[{"text":"Perfect.","start":1524.755,"end":1525.255,"sentiment":"positive","sentiment_score":0.6312268972396851},{"text":"Basically, we include it because it is a good visual representation of what we are talking about when we're talking about the market.","start":1526.195,"end":1533.0099,"sentiment":"positive","sentiment_score":0.4607969898244609},{"text":"Vanguard does release one every year as well.","start":1534.11,"end":1536.83,"sentiment":"neutral","sentiment_score":0.212968235835433},{"text":"So the next one is due to come out any minutes now because they release it at the end of their financial year.","start":1536.83,"end":1542.5299,"sentiment":"neutral","sentiment_score":0.19735160923522452},{"text":"So it should be out soon, but it just kind of shows you a bit of an update on the different asset classes and how they have kind of performed over time.","start":1542.865,"end":1551.205,"sentiment":"neutral","sentiment_score":0.24010123824700713}],"sentiment":"neutral","sentiment_score":0.2891451745540246,"num_words":87,"start":1524.755,"end":1551.205},{"sentences":[{"text":"Yep.","start":1552.5449,"end":1553.0449,"sentiment":"neutral","sentiment_score":0.17953942716121674},{"text":"Now next one should be your overview services guide.","start":1553.6649,"end":1558.0199,"sentiment":"neutral","sentiment_score":0.1073990480767356},{"text":"Yep.","start":1558.48,"end":1558.98,"sentiment":"neutral","sentiment_score":0.04011026024818421},{"text":"Again, you probably have seen this one a few times before.","start":1559.36,"end":1562.1,"sentiment":"neutral","sentiment_score":0.02634509551254186},{"text":"It is one of those compliance documents, but all the important information is in there if you do wanna have a bit of a read over it, which then should take us through the last document, which is your ongoing service agreement with hub '24.","start":1562.32,"end":1576.615,"sentiment":"neutral","sentiment_score":0.10601233219106992}],"sentiment":"neutral","sentiment_score":0.09323271819904669,"num_words":67,"start":1552.5449,"end":1576.615},{"sentences":[{"text":"Yep.","start":1576.8351,"end":1577.3351,"sentiment":"neutral","sentiment_score":0.1817772090435028},{"text":"Perfect.","start":1577.795,"end":1578.295,"sentiment":"positive","sentiment_score":0.4232197999954224},{"text":"So this one here will ask for your signature if you are happy to do so.","start":1578.515,"end":1583.255,"sentiment":"neutral","sentiment_score":0.2047727471217513},{"text":"There's no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super.","start":1584.98,"end":1592.6,"sentiment":"neutral","sentiment_score":0.12219695903752979},{"text":"No changes in regards to that, and it is not a lock in contract.","start":1593.0599,"end":1596.855,"sentiment":"neutral","sentiment_score":-0.00784935216818537}],"sentiment":"neutral","sentiment_score":0.11947475008520425,"num_words":51,"start":1576.8351,"end":1596.855},{"sentences":[{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1597.095,"end":1601.915,"sentiment":"neutral","sentiment_score":-0.022577761258516047},{"text":"But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime.","start":1601.975,"end":1607.515,"sentiment":"neutral","sentiment_score":0.16781943362383617},{"text":"Yep.","start":1611.79,"end":1612.29,"sentiment":"neutral","sentiment_score":0.08254915475845337},{"text":"Yep.","start":1615.23,"end":1615.73,"sentiment":"neutral","sentiment_score":0.0962074249982834},{"text":"Yep.","start":1617.5499,"end":1618.03,"sentiment":"neutral","sentiment_score":0.19522830843925476}],"sentiment":"neutral","sentiment_score":0.08313793551531576,"num_words":42,"start":1597.095,"end":1618.03},{"sentences":[{"text":"Beautiful.","start":1618.03,"end":1618.53,"sentiment":"positive","sentiment_score":0.4397340416908264},{"text":"That's all good.","start":1630.365,"end":1631.425,"sentiment":"positive","sentiment_score":0.38189081350962323},{"text":"While I wait for that to load, while I have you on the phone, we'll book in the the catch up for us for me to go through the research with you just while I have you.","start":1631.725,"end":1643.49,"sentiment":"neutral","sentiment_score":0.1069257046926666},{"text":"Now it will take me about a week or so to put it all together.","start":1643.7101,"end":1649.0901,"sentiment":"neutral","sentiment_score":0.05124984582265218},{"text":"When is normally a best time for you?","start":1651.175,"end":1653.0951,"sentiment":"neutral","sentiment_score":0.005866934487130493}],"sentiment":"neutral","sentiment_score":0.09933344873570604,"num_words":64,"start":1618.03,"end":1653.0951},{"sentences":[{"text":"Is it kind of late afternoon that's most suitable?","start":1653.0951,"end":1656.3151,"sentiment":"neutral","sentiment_score":0.007393330775408281},{"text":"Okay.","start":1656.935,"end":1657.435,"sentiment":"neutral","sentiment_score":0.02522452361881733},{"text":"Alright.","start":1658.135,"end":1658.615,"sentiment":"neutral","sentiment_score":0.05789405107498169},{"text":"Let me have a look.","start":1658.615,"end":1660.235,"sentiment":"neutral","sentiment_score":0.042745582014322284},{"text":"So okay.","start":1660.935,"end":1663.86,"sentiment":"neutral","sentiment_score":0.0195113280788064}],"sentiment":"neutral","sentiment_score":0.022356062105649874,"num_words":18,"start":1653.0951,"end":1663.86},{"sentences":[{"text":"I could do no.","start":1665.38,"end":1667.7,"sentiment":"neutral","sentiment_score":0.009353842353448272},{"text":"That's all good.","start":1667.7,"end":1668.58,"sentiment":"neutral","sentiment_score":0.12208714336156845},{"text":"I can do same time.","start":1668.58,"end":1670.36,"sentiment":"neutral","sentiment_score":0.021529008354991674},{"text":"So 04:30 your time, 05:00 my time on Thursday, August 13, or Monday, the tenth?","start":1670.66,"end":1682.3949,"sentiment":"neutral","sentiment_score":0.006932492569709818},{"text":"No?","start":1684.2949,"end":1684.7949,"sentiment":"neutral","sentiment_score":-0.008007023483514786}],"sentiment":"neutral","sentiment_score":0.021689364511985332,"num_words":28,"start":1665.38,"end":1684.7949},{"sentences":[{"text":"Okay.","start":1686.455,"end":1686.955,"sentiment":"neutral","sentiment_score":0.1778479516506195},{"text":"Perfect.","start":1687.015,"end":1687.515,"sentiment":"neutral","sentiment_score":0.25508758425712585},{"text":"So Thursday, not Wednesday?","start":1687.735,"end":1689.6749,"sentiment":"neutral","sentiment_score":0.019298319472000003},{"text":"That's fine?","start":1689.975,"end":1690.715,"sentiment":"neutral","sentiment_score":0.04604411497712135},{"text":"Yes.","start":1691.975,"end":1692.2949,"sentiment":"neutral","sentiment_score":0.05123371258378029}],"sentiment":"neutral","sentiment_score":0.07260563959264094,"num_words":9,"start":1686.455,"end":1692.2949},{"sentences":[{"text":"Okay.","start":1692.2949,"end":1692.695,"sentiment":"neutral","sentiment_score":0.024367252364754677},{"text":"Perfect.","start":1692.695,"end":1693.195,"sentiment":"neutral","sentiment_score":-0.017412643879652023},{"text":"Yes.","start":1695.37,"end":1695.8501,"sentiment":"neutral","sentiment_score":0.06504971534013748},{"text":"Yeah.","start":1695.8501,"end":1696.3301,"sentiment":"neutral","sentiment_score":0.1238403022289276},{"text":"Perfect.","start":1696.3301,"end":1696.81,"sentiment":"neutral","sentiment_score":0.2937857508659363}],"sentiment":"neutral","sentiment_score":0.0979260753840208,"num_words":5,"start":1692.2949,"end":1696.81},{"sentences":[{"text":"Alright.","start":1696.81,"end":1697.2101,"sentiment":"neutral","sentiment_score":0.13632231950759888},{"text":"I will lock that in.","start":1697.2101,"end":1698.91,"sentiment":"neutral","sentiment_score":0.10815262347459793},{"text":"Now if anything does change for you and you can't make it, just let me know, and I can see if I can always shuffle a few things around or we get you rescheduled.","start":1699.05,"end":1707.9149,"sentiment":"neutral","sentiment_score":0.03261090316535795},{"text":"That is no problem.","start":1708.0549,"end":1709.6549,"sentiment":"neutral","sentiment_score":0.2303001619875431},{"text":"But, otherwise, I will give you a call on Thursday, August 13, which is crazy.","start":1709.6549,"end":1714.9349,"sentiment":"neutral","sentiment_score":0.035673413798213004}],"sentiment":"neutral","sentiment_score":0.054951830498747904,"num_words":59,"start":1696.81,"end":1714.9349},{"sentences":[{"text":"You know, it's August already.","start":1714.9349,"end":1716.475,"sentiment":"neutral","sentiment_score":0.008644721936434507},{"text":"And that will be our 04:30 your time.","start":1719.04,"end":1722.18,"sentiment":"neutral","sentiment_score":0.034477290231734514},{"text":"Do you have any other questions or anything else for me at this point before I let you go?","start":1723.52,"end":1728.98,"sentiment":"neutral","sentiment_score":0.048391516663526236},{"text":"Yes.","start":1734.855,"end":1735.355,"sentiment":"neutral","sentiment_score":0.03589199110865593},{"text":"And more information as well with with the strategy.","start":1735.975,"end":1739.115,"sentiment":"neutral","sentiment_score":0.02281753636068768}],"sentiment":"neutral","sentiment_score":0.03523168015471172,"num_words":42,"start":1714.9349,"end":1739.115},{"sentences":[{"text":"Yeah.","start":1740.135,"end":1740.635,"sentiment":"neutral","sentiment_score":0.03301333636045456},{"text":"04:30 your time, which is 05:00 my time.","start":1748.98,"end":1751.86,"sentiment":"neutral","sentiment_score":0.012634702841751277},{"text":"So basically same as today.","start":1751.86,"end":1753.64,"sentiment":"neutral","sentiment_score":0.0765559583902359},{"text":"Yep.","start":1754.74,"end":1755.24,"sentiment":"neutral","sentiment_score":0.20928029716014865},{"text":"Great.","start":1755.5399,"end":1756.0399,"sentiment":"positive","sentiment_score":0.6898693442344666}],"sentiment":"neutral","sentiment_score":0.08850127452751622,"num_words":16,"start":1740.135,"end":1756.0399},{"sentences":[{"text":"Beautiful.","start":1756.1,"end":1756.6,"sentiment":"positive","sentiment_score":0.7486751079559326},{"text":"Well, I will let you go.","start":1756.74,"end":1758.2,"sentiment":"positive","sentiment_score":0.3670910596847534},{"text":"Hopefully, you're not too late to everything you have to do today.","start":1758.26,"end":1762.9199,"sentiment":"neutral","sentiment_score":0.08987362838039796},{"text":"Okay.","start":1767.5549,"end":1768.035,"sentiment":"neutral","sentiment_score":0.31921303272247314},{"text":"But beautiful.","start":1768.035,"end":1768.755,"sentiment":"positive","sentiment_score":0.5481070280075073}],"sentiment":"neutral","sentiment_score":0.24750600433485073,"num_words":22,"start":1756.1,"end":1768.755},{"sentences":[{"text":"I will let you go.","start":1768.755,"end":1769.7269,"sentiment":"positive","sentiment_score":0.5658573508262634},{"text":"I look forward to speaking with you on Thursday, the thirteenth.","start":1770.0469,"end":1772.787,"sentiment":"positive","sentiment_score":0.6106255379590121},{"text":"Mhmm.","start":1773.9669,"end":1774.4669,"sentiment":"positive","sentiment_score":0.5401611328125},{"text":"No worries.","start":1774.9269,"end":1775.5669,"sentiment":"neutral","sentiment_score":0.2314160168170929},{"text":"We'll speak 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Lisa speaking. Oh, I am good. Thank you. Yourself? Yes. No. How long will it take? Okay. Then that's not that's fine. Yep. Yeah. That's alright. I'm just in the middle of an appointment, so that's okay. All good. So now is fine. Yeah. That's fine. Mhmm. Yes. So it's Lisa, l e e s a, Hill, h I l l. Thirty first of the fifth nineteen sixty eight. And my new address did you want my address? Yep. So I did update that. 17 Clifford Court Seaford, South Australia 5159. Yeah. So, basically, I just need to know where everything is at, what it's you know, what my the end when I do retire, you know, how's that tracking with what I get and the options of, you know, when I can retire, how that works, all the standard things that I spoke to everyone about last time. Yeah. Yep. Yep. That would be good. Yes, please. Mhmm. Alright. Okay. Right. Okay. Yep. Yep. Oh, yes. I know about that. Yep. Yep. Yay. Get another seven years. Woo hoo. So the question that I sorry. The question I have on that is that if I retire, whether it be 65 or 60 or whatever, can I still get the age pension? Is that is the super means tested? Right. Okay. That's what I. Yep. Yep. Yeah. That's what I need to know. Mhmm. '67. And then that, obviously, with the super, if I then take that out, whatever's in my bank account is mean tested, isn't it? Right. And can I would it be feasible then, you know, to have installments on my super instead of having it all in the bank? Yep. What? Yep. Yep. Yep. Right. Yeah. That would be good because, you know, 58. If I am looking to retire at 67, the next five, six years would be what do I need to do to bulk my super up, what does that look like, and what options I have. Oh, good. Yep. Have a look at yeah. No. That would be perfect. Yep. Okay. Well, if I can't, ideally, probably 67 because, I mean, obviously, that's going to be worse my lawn or otherwise, I'll take my super at 65 and then have to wait two years to get the paint I'd rather see what my options are before I make that choice. But 60 7 from the sounds of it sounds like a better option. Yeah. Yep. Yep. Yeah. Yep. Yeah. Exactly right. And then I'll yeah. No. I think yeah. Yeah. No. That'd be good. That'd be good. Okay. Okay. Perfect. Thank you. Yep. Yep. Well, again again, if I'm looking at doing it as, like, an allowance or a wage or whatever you wanna call it when I'm 67, then, obviously, I would take into account what I get from the pension and then top it up to what I need from my super because I would imagine that that would be that would last longer. Yeah. I well, I probably would need around about $1,000 a week at the this stage. I mean, obviously, that's going to change potentially. But right now, if we're looking at the fees, yeah, it'd be about 1,000 a week. Yep. Okay. Yep. That's okay. All good. Correct. Yeah. He's turned 25 yesterday. So yeah. Yeah. We just had dinner and, you know yeah. That was nice. Correct. Yep. Yes. Absolutely. Yep. Mhmm. No. No. Yep. Well, I mean, no. Not really. I mean, we did have a pretty hefty CPI increase. But, yeah, it's around about a 105. Yeah. Yeah. That hasn't changed. Yep. No. But that's like I said, it's for as I you know, next sort of like if I'm looking at '67, I mean, you know, in the next, say, five, ten years, I would be wanting to see what I can do to top it up perhaps and how that would look like. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Because I was looking to do start the conversations and then, you know, when I turn 60, I've got that seven years sorta like less what I need to do in that seven years. Yeah. Yep. Yeah. Yeah. No. That's fine. Mhmm. That's changed. Yep. So I've bought a house. I'm not renting anymore. Yeah. Market or what I paid? Oh, lord. Oh my god. It'd probably be around the 900,000 mark at current rates they are now. Yep. There's only 200,000 there. No. I have a oh, well, I do have a car. I do have a company car, but I do have my son drives my car. But that's only yeah. That wouldn't if I sold it today, I'd probably get about $78 for it. Yeah. Yeah. Yeah. No. Correct. No. Not no. Nope. Yes. So that's changed. So I've got about 15,000 sitting in my savings at the moment. No. No. No. Oh, I have a credit card, and I there's about $2 on it. I don't have anything else. It's I only use that for emergencies, so that just sits there. Yeah. Yep. Mhmm. Correct. Yes. And in saying that, I probably haven't had one in the last well, actually, I can't say that. So probably, yeah, dad passed in October last year. So there was a time where I was smoking a little bit more heavier. That was a bit emotional. But yeah. Look. Other than that, I for the last two, three months, I probably haven't had any. Yeah. No. No. All the same. Quite boring. I know it is good. Yes. I do. I don't have a power of attorney. I do have a will, and my son, obviously, is everything goes to him. He yeah. There's nobody else. So yep. Yep. Yes. It's more like retirement planning now because I you know, I've only got a small mortgage that, you know, can make extra contributions and everything for. I'm planning to have have that pay that 200,000 paid off in the next seven years. So that should be that should fall just before I retire. So that's my planning. But other than that, no. Nothing. You know, it's just more that transition to retirement. Yep. Yep. Yep. Yep. Mhmm. I think I'll leave it the same as what I did last update. Because whenever I get my statements, it seems to be tracking okay. However, the last one was a little bit low, but that's, you know, that's expected in the current financial market and everything happening in the world. So I'm quite happy with the risk that I'm taking now. Yeah. Yeah. Yes. Yes. Yep. Yeah. And I think I'd like to keep that, especially yeah. You know, in this day and age. Yep. Yeah. I'll I can access it through my phone. That's fine. Yep. Sure. Let's just get that up now. So did you just send that through? And is that a signature request? Yep. Okay. Yep. Yep. Alright. So I've got annual review. So I it's only giving me the option to sign the document. Where do I yep. Yes. It does. Perfect. Yes. I yep. Yep. Yeah. So just going back there with the hub 20 four, I had did have to ring them today. I got a notification from my payroll that the contributions were bouncing back. They weren't. Yeah. So I rang Hub, and apparently, there's something wrong with their system. Right. Yeah. Right. Yep. Well, yeah. That was my concern because then that was yesterday. And then today, I received a letter from the AGO. That was that was regard to the super. And they were advising that no super was that my company had not put my super in weekly, so obviously, they're monitoring it. But when I spoke to Hub twenty four, they said, oh, don't worry about that. They have they, you know, intend to have it up and running as soon as possible. And I went, well, how long is that? Okay. Yep. Yep. Yep. Right. No. That's okay. Yep. That would be good. Yeah. Yep. Yeah. If you can get them to give me a quick call because I would like to know if it's been sorted Because otherwise, I'm just gonna have my company on the phone and be going, what's going on? Yep. Okay. Then that'll be great. Yeah. I think I would be okay if that yeah. Maybe next year, I'll change it up. Maybe, you know, but right now, yeah, I think I'm fine. Yep. Yep. Yep. Yes. Right. Okay. Yep. Yep. Yep. It has, looking at it that way. Yep. Yeah. Five percent. Yep. Okay. Oh, good. Yep. Yep. One second. Yep. Yep. Got it. Wow. What's the thirty eight percent one? ACDG. Wow. Okay. Yep. Yep. It has. Yes. That's a twenty five. Then along the Saudi Equity Fund. Yep. Okay. Yep. Yep. Perfect. I'm happy with that. Yep. Yep. Yep. And that looks good as long I mean, we had a bit of a decline there, but it's majority of it's going is trending upwards, so that's good. Yeah. Yeah. Perfect. Ascender. Ascender. Yep. Right. So we send it so this only has just changed, hasn't it? Yep. That's right. Yep. Yep. Okay. Yep. Okay. Perfect. Yep. Yes. Yep. Okay. Okay. Not a problem. Yep. Yep. Yeah. That's fine. Yep. Yep. Yep. Yep. Yep. Yep. Okay. So I've just signed that and I just oh, okay. So the date's already in there. Validate and then we are loading. It's taking a while to load. So Yep. Yep. That's okay. That's fine. Yeah. It's around the same time. Yeah. Yep. Yep. Doesn't matter what day as long as it's around this time. Yeah. Mornings are a bit busy. Yep. Yep. That's fine. No. The same. Thursday would be great. Yep. Yeah. That's fine. So not next Thursday, the Thursday after. Yep. That's fine. Yep. Perfect. Yep. I know. Tell me about it. Okay. No. I think we've been you've been really good at the moment. Obviously, there'll be more questions coming up. So yeah. Once I get that other stuff. Yeah. Yeah. Yeah. Yeah. No. That's fine. So I've got you in for Thursday, August 13 at is it did you say four hours? Oh, 04:30 my time. Yep. Yep. Yep. Done. Excellent. No. That's okay. No. That's okay. It's just a training session, but I've got I still got ten minutes. Woo hoo. Okay. Excellent. Excellent. Thank you, Veronica. No worries. 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Lisa speaking. Oh, I am good. Thank you. Yourself?\n\nYes. No. How long will it take? Okay. Then that's not that's fine.\n\nYep. Yeah. That's alright. I'm just in the middle of an appointment, so that's okay. All good.\n\nSo now is fine. Yeah. That's fine. Mhmm. Yes.\n\nSo it's Lisa, l e e s a, Hill, h I l l. Thirty first of the fifth nineteen sixty eight. And my new address did you want my address? Yep. So I did update that.\n\n17 Clifford Court Seaford, South Australia 5159. Yeah. So, basically, I just need to know where everything is at, what it's you know, what my the end when I do retire, you know, how's that tracking with what I get and the options of, you know, when I can retire, how that works, all the standard things that I spoke to everyone about last time. Yeah. Yep.\n\nYep. That would be good. Yes, please. Mhmm. Alright.\n\nOkay. Right. Okay. Yep. Yep.\n\nOh, yes. I know about that. Yep. Yep. Yay.\n\nGet another seven years. Woo hoo. So the question that I sorry. The question I have on that is that if I retire, whether it be 65 or 60 or whatever, can I still get the age pension? Is that is the super means tested?\n\nRight. Okay. That's what I. Yep. Yep.\n\nYeah. That's what I need to know. Mhmm. '67. And then that, obviously, with the super, if I then take that out, whatever's in my bank account is mean tested, isn't it?\n\nRight. And can I would it be feasible then, you know, to have installments on my super instead of having it all in the bank? Yep. What? Yep.\n\nYep. Yep. Right. Yeah. That would be good because, you know, 58.\n\nIf I am looking to retire at 67, the next five, six years would be what do I need to do to bulk my super up, what does that look like, and what options I have. Oh, good. Yep. Have a look at yeah. No.\n\nThat would be perfect. Yep. Okay. Well, if I can't, ideally, probably 67 because, I mean, obviously, that's going to be worse my lawn or otherwise, I'll take my super at 65 and then have to wait two years to get the paint I'd rather see what my options are before I make that choice. But 60 7 from the sounds of it sounds like a better option.\n\nYeah. Yep. Yep. Yeah. Yep.\n\nYeah. Exactly right. And then I'll yeah. No. I think yeah.\n\nYeah. No. That'd be good. That'd be good. Okay.\n\nOkay. Perfect. Thank you. Yep. Yep.\n\nWell, again again, if I'm looking at doing it as, like, an allowance or a wage or whatever you wanna call it when I'm 67, then, obviously, I would take into account what I get from the pension and then top it up to what I need from my super because I would imagine that that would be that would last longer. Yeah. I well, I probably would need around about $1,000 a week at the this stage. I mean, obviously, that's going to change potentially. But right now, if we're looking at the fees, yeah, it'd be about 1,000 a week.\n\nYep. Okay. Yep. That's okay. All good.\n\nCorrect. Yeah. He's turned 25 yesterday. So yeah. Yeah.\n\nWe just had dinner and, you know yeah. That was nice. Correct. Yep. Yes.\n\nAbsolutely. Yep. Mhmm. No. No.\n\nYep. Well, I mean, no. Not really. I mean, we did have a pretty hefty CPI increase. But, yeah, it's around about a 105.\n\nYeah. Yeah. That hasn't changed. Yep. No.\n\nBut that's like I said, it's for as I you know, next sort of like if I'm looking at '67, I mean, you know, in the next, say, five, ten years, I would be wanting to see what I can do to top it up perhaps and how that would look like. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Because I was looking to do start the conversations and then, you know, when I turn 60, I've got that seven years sorta like less what I need to do in that seven years. Yeah. Yep.\n\nYeah. Yeah. No. That's fine. Mhmm.\n\nThat's changed. Yep. So I've bought a house. I'm not renting anymore. Yeah.\n\nMarket or what I paid? Oh, lord. Oh my god. It'd probably be around the 900,000 mark at current rates they are now. Yep.\n\nThere's only 200,000 there. No. I have a oh, well, I do have a car. I do have a company car, but I do have my son drives my car. But that's only yeah.\n\nThat wouldn't if I sold it today, I'd probably get about $78 for it. Yeah. Yeah. Yeah. No.\n\nCorrect. No. Not no. Nope. Yes.\n\nSo that's changed. So I've got about 15,000 sitting in my savings at the moment. No. No. No.\n\nOh, I have a credit card, and I there's about $2 on it. I don't have anything else. It's I only use that for emergencies, so that just sits there. Yeah. Yep.\n\nMhmm. Correct. Yes. And in saying that, I probably haven't had one in the last well, actually, I can't say that. So probably, yeah, dad passed in October last year.\n\nSo there was a time where I was smoking a little bit more heavier. That was a bit emotional. But yeah. Look. Other than that, I for the last two, three months, I probably haven't had any.\n\nYeah. No. No. All the same. Quite boring.\n\nI know it is good. Yes. I do. I don't have a power of attorney. I do have a will, and my son, obviously, is everything goes to him.\n\nHe yeah. There's nobody else. So yep. Yep. Yes.\n\nIt's more like retirement planning now because I you know, I've only got a small mortgage that, you know, can make extra contributions and everything for. I'm planning to have have that pay that 200,000 paid off in the next seven years. So that should be that should fall just before I retire. So that's my planning. But other than that, no.\n\nNothing. You know, it's just more that transition to retirement. Yep. Yep. Yep.\n\nYep. Mhmm. I think I'll leave it the same as what I did last update. Because whenever I get my statements, it seems to be tracking okay. However, the last one was a little bit low, but that's, you know, that's expected in the current financial market and everything happening in the world.\n\nSo I'm quite happy with the risk that I'm taking now. Yeah. Yeah. Yes. Yes.\n\nYep. Yeah. And I think I'd like to keep that, especially yeah. You know, in this day and age. Yep.\n\nYeah. I'll I can access it through my phone. That's fine. Yep. Sure.\n\nLet's just get that up now. So did you just send that through? And is that a signature request? Yep. Okay.\n\nYep. Yep. Alright. So I've got annual review. So I it's only giving me the option to sign the document.\n\nWhere do I yep. Yes. It does. Perfect. Yes.\n\nI yep. Yep. Yeah. So just going back there with the hub 20 four, I had did have to ring them today. I got a notification from my payroll that the contributions were bouncing back.\n\nThey weren't. Yeah. So I rang Hub, and apparently, there's something wrong with their system. Right. Yeah.\n\nRight. Yep. Well, yeah. That was my concern because then that was yesterday. And then today, I received a letter from the AGO.\n\nThat was that was regard to the super. And they were advising that no super was that my company had not put my super in weekly, so obviously, they're monitoring it. But when I spoke to Hub twenty four, they said, oh, don't worry about that. They have they, you know, intend to have it up and running as soon as possible. And I went, well, how long is that?\n\nOkay. Yep. Yep. Yep. Right.\n\nNo. That's okay. Yep. That would be good. Yeah.\n\nYep. Yeah. If you can get them to give me a quick call because I would like to know if it's been sorted Because otherwise, I'm just gonna have my company on the phone and be going, what's going on? Yep. Okay.\n\nThen that'll be great. Yeah. I think I would be okay if that yeah. Maybe next year, I'll change it up. Maybe, you know, but right now, yeah, I think I'm fine.\n\nYep. Yep. Yep. Yes. Right.\n\nOkay. Yep. Yep. Yep. It has, looking at it that way.\n\nYep. Yeah. Five percent. Yep. Okay.\n\nOh, good. Yep. Yep. One second. Yep.\n\nYep. Got it. Wow. What's the thirty eight percent one? ACDG.\n\nWow. Okay. Yep. Yep. It has.\n\nYes. That's a twenty five. Then along the Saudi Equity Fund. Yep. Okay.\n\nYep. Yep. Perfect. I'm happy with that. Yep.\n\nYep. Yep. And that looks good as long I mean, we had a bit of a decline there, but it's majority of it's going is trending upwards, so that's good. Yeah. Yeah.\n\nPerfect. Ascender. Ascender. Yep. Right.\n\nSo we send it so this only has just changed, hasn't it? Yep. That's right. Yep. Yep.\n\nOkay. Yep. Okay. Perfect. Yep.\n\nYes. Yep. Okay. Okay. Not a problem.\n\nYep. Yep. Yeah. That's fine. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. So I've just signed that and I just oh, okay. So the date's already in there. Validate and then we are loading. It's taking a while to load.\n\nSo Yep. Yep. That's okay. That's fine. Yeah.\n\nIt's around the same time. Yeah. Yep. Yep. Doesn't matter what day as long as it's around this time.\n\nYeah. Mornings are a bit busy. Yep. Yep. That's fine.\n\nNo. The same. Thursday would be great. Yep. Yeah.\n\nThat's fine. So not next Thursday, the Thursday after. Yep. That's fine. Yep.\n\nPerfect. Yep. I know. Tell me about it. Okay.\n\nNo. I think we've been you've been really good at the moment. Obviously, there'll be more questions coming up. So yeah. Once I get that other stuff.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat's fine. So I've got you in for Thursday, August 13 at is it did you say four hours? Oh, 04:30 my time. Yep. Yep.\n\nYep. Done. Excellent. No. That's okay.\n\nNo. That's okay. It's just a training session, but I've got I still got ten minutes. Woo hoo. Okay.\n\nExcellent. Excellent. Thank you, Veronica. No worries. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.06103023886680603},{"text":"Lisa speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.061074987053871155},{"text":"Oh, I am good.","start":7.04,"end":8.0,"sentiment":"positive","sentiment_score":0.5820936635136604},{"text":"Thank you.","start":8.0,"end":8.8,"sentiment":"positive","sentiment_score":0.6943678557872772},{"text":"Yourself?","start":8.8,"end":9.3,"sentiment":"positive","sentiment_score":0.41487917304039}],"sentiment":"positive","sentiment_score":0.43151697516441345,"num_words":10,"start":1.1999999,"end":9.3},{"sentences":[{"text":"Yes.","start":17.155,"end":17.655,"sentiment":"neutral","sentiment_score":-0.03210564702749252},{"text":"No.","start":18.115,"end":18.515,"sentiment":"neutral","sentiment_score":-0.12745721638202667},{"text":"How long will it take?","start":18.515,"end":19.975,"sentiment":"neutral","sentiment_score":-0.10983245372772217},{"text":"Okay.","start":23.955,"end":24.355,"sentiment":"neutral","sentiment_score":-0.026894737035036087},{"text":"Then that's not that's fine.","start":24.355,"end":26.215,"sentiment":"neutral","sentiment_score":-0.11044320166110992}],"sentiment":"neutral","sentiment_score":-0.09906429826067044,"num_words":13,"start":17.155,"end":26.215},{"sentences":[{"text":"Yep.","start":27.635,"end":28.135,"sentiment":"neutral","sentiment_score":0.1084689348936081},{"text":"Yeah.","start":31.84,"end":32.24,"sentiment":"neutral","sentiment_score":0.08873787522315979},{"text":"That's alright.","start":32.24,"end":32.8,"sentiment":"neutral","sentiment_score":0.11495884880423546},{"text":"I'm just in the middle of an appointment, so that's okay.","start":32.8,"end":35.38,"sentiment":"neutral","sentiment_score":0.10964450443332846},{"text":"All good.","start":36.56,"end":37.3,"sentiment":"neutral","sentiment_score":0.3152078837156296}],"sentiment":"neutral","sentiment_score":0.13315469552488887,"num_words":17,"start":27.635,"end":37.3},{"sentences":[{"text":"So now is fine.","start":40.64,"end":42.1,"sentiment":"neutral","sentiment_score":0.21297801285982132},{"text":"Yeah.","start":55.105003,"end":55.425003,"sentiment":"neutral","sentiment_score":0.14005348086357117},{"text":"That's fine.","start":55.425003,"end":56.245003,"sentiment":"neutral","sentiment_score":0.20801032334566116},{"text":"Mhmm.","start":62.809998,"end":63.309998,"sentiment":"neutral","sentiment_score":0.0832815021276474},{"text":"Yes.","start":67.21,"end":67.45,"sentiment":"neutral","sentiment_score":0.047029972076416016}],"sentiment":"neutral","sentiment_score":0.17092196146647134,"num_words":9,"start":40.64,"end":67.45},{"sentences":[{"text":"So it's Lisa, l e e s a, Hill, h I l l.","start":67.45,"end":71.21,"sentiment":"neutral","sentiment_score":0.03878979872052486},{"text":"Thirty first of the fifth nineteen sixty eight.","start":71.21,"end":73.635,"sentiment":"neutral","sentiment_score":0.04864713503047824},{"text":"And my new address did you want my address?","start":74.035,"end":77.095,"sentiment":"neutral","sentiment_score":0.03867947869002819},{"text":"Yep.","start":78.515,"end":78.995,"sentiment":"neutral","sentiment_score":0.06909482926130295},{"text":"So I did update that.","start":78.995,"end":80.455,"sentiment":"neutral","sentiment_score":0.08239654749631882}],"sentiment":"neutral","sentiment_score":0.04785103718232778,"num_words":36,"start":67.45,"end":80.455},{"sentences":[{"text":"17 Clifford Court Seaford, South Australia 5159.","start":80.515,"end":84.295,"sentiment":"neutral","sentiment_score":0.036328628925340514},{"text":"Yeah.","start":102.405,"end":102.645004,"sentiment":"neutral","sentiment_score":0.024331985041499134},{"text":"So, basically, I just need to know where everything is at, what it's you know, what my the end when I do retire, you know, how's that tracking with what I get and the options of, you know, when I can retire, how that works, all the standard things that I spoke to everyone about last time.","start":102.645004,"end":124.47,"sentiment":"neutral","sentiment_score":0.038771331735086026},{"text":"Yeah.","start":124.53,"end":125.03,"sentiment":"neutral","sentiment_score":0.1936146914958954},{"text":"Yep.","start":138.025,"end":138.525,"sentiment":"neutral","sentiment_score":0.137214332818985}],"sentiment":"neutral","sentiment_score":0.04208100478706965,"num_words":67,"start":80.515,"end":138.525},{"sentences":[{"text":"Yep.","start":150.02,"end":150.52,"sentiment":"neutral","sentiment_score":0.05173598229885101},{"text":"That would be good.","start":150.66,"end":151.78,"sentiment":"neutral","sentiment_score":0.26923568546772003},{"text":"Yes, please.","start":151.78,"end":152.68,"sentiment":"neutral","sentiment_score":0.28861357271671295},{"text":"Mhmm.","start":166.815,"end":167.295,"sentiment":"neutral","sentiment_score":0.1112651526927948},{"text":"Alright.","start":167.295,"end":167.69499,"sentiment":"neutral","sentiment_score":0.10174822807312012}],"sentiment":"neutral","sentiment_score":0.213213250041008,"num_words":9,"start":150.02,"end":167.69499},{"sentences":[{"text":"Okay.","start":167.69499,"end":168.19499,"sentiment":"neutral","sentiment_score":0.1453830599784851},{"text":"Right.","start":168.56001,"end":168.96,"sentiment":"neutral","sentiment_score":0.13931980729103088},{"text":"Okay.","start":168.96,"end":169.44,"sentiment":"neutral","sentiment_score":0.11650535464286804},{"text":"Yep.","start":169.44,"end":169.94,"sentiment":"neutral","sentiment_score":0.08015751093626022},{"text":"Yep.","start":175.68001,"end":176.18001,"sentiment":"neutral","sentiment_score":0.10800208151340485}],"sentiment":"neutral","sentiment_score":0.11787356287240983,"num_words":5,"start":167.69499,"end":176.18001},{"sentences":[{"text":"Oh, yes.","start":185.235,"end":185.715,"sentiment":"neutral","sentiment_score":0.15239886194467545},{"text":"I know about that.","start":185.715,"end":186.435,"sentiment":"neutral","sentiment_score":0.1140996515750885},{"text":"Yep.","start":186.435,"end":186.935,"sentiment":"positive","sentiment_score":0.3474411964416504},{"text":"Yep.","start":190.19499,"end":190.69499,"sentiment":"neutral","sentiment_score":0.13790546357631683},{"text":"Yay.","start":195.20999,"end":195.70999,"sentiment":"neutral","sentiment_score":0.28389406204223633}],"sentiment":"neutral","sentiment_score":0.17004856136110094,"num_words":9,"start":185.235,"end":195.70999},{"sentences":[{"text":"Get another seven years.","start":196.09,"end":197.29,"sentiment":"neutral","sentiment_score":0.09042391832917929},{"text":"Woo hoo.","start":197.29,"end":197.95,"sentiment":"neutral","sentiment_score":0.23023544996976852},{"text":"So the question that I sorry.","start":198.33,"end":200.59,"sentiment":"neutral","sentiment_score":-0.024508132599294186},{"text":"The question I have on that is that if I retire, whether it be 65 or 60 or whatever, can I still get the age pension?","start":200.65,"end":211.435,"sentiment":"neutral","sentiment_score":-0.028877674601972103},{"text":"Is that is the super means tested?","start":212.055,"end":214.795,"sentiment":"neutral","sentiment_score":-0.01895760771419321}],"sentiment":"neutral","sentiment_score":-0.004631222577558623,"num_words":45,"start":196.09,"end":214.795},{"sentences":[{"text":"Right.","start":219.895,"end":220.375,"sentiment":"neutral","sentiment_score":0.014731120318174362},{"text":"Okay.","start":220.375,"end":220.855,"sentiment":"neutral","sentiment_score":-0.0024612704291939735},{"text":"That's what I.","start":220.855,"end":221.67,"sentiment":"neutral","sentiment_score":-0.029819633811712265},{"text":"Yep.","start":222.23,"end":222.70999,"sentiment":"neutral","sentiment_score":0.004122197162359953},{"text":"Yep.","start":222.70999,"end":223.19,"sentiment":"neutral","sentiment_score":0.010388165712356567}],"sentiment":"neutral","sentiment_score":-0.00895409838163427,"num_words":7,"start":219.895,"end":223.19},{"sentences":[{"text":"Yeah.","start":223.19,"end":223.51,"sentiment":"neutral","sentiment_score":0.007452549412846565},{"text":"That's what I need to know.","start":223.51,"end":224.89,"sentiment":"neutral","sentiment_score":-0.021894812894364197},{"text":"Mhmm.","start":232.55,"end":233.05,"sentiment":"neutral","sentiment_score":-0.030956292524933815},{"text":"'67.","start":238.46501,"end":239.345,"sentiment":"neutral","sentiment_score":0.0070891110226511955},{"text":"And then that, obviously, with the super, if I then take that out, whatever's in my bank account is mean 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because, you know, 58.","start":298.31497,"end":302.09497,"sentiment":"positive","sentiment_score":0.374761113896966}],"sentiment":"neutral","sentiment_score":0.2771052612612645,"num_words":12,"start":272.585,"end":302.09497},{"sentences":[{"text":"If I am looking to retire at 67, the next five, six years would be what do I need to do to bulk my super up, what does that look like, and what options I have.","start":303.64,"end":315.90002,"sentiment":"neutral","sentiment_score":0.11114673720051844},{"text":"Oh, good.","start":325.315,"end":325.975,"sentiment":"positive","sentiment_score":0.3959532678127289},{"text":"Yep.","start":330.755,"end":331.255,"sentiment":"neutral","sentiment_score":0.11102272570133208},{"text":"Have a look at yeah.","start":335.82,"end":338.22,"sentiment":"neutral","sentiment_score":0.03318549133837223},{"text":"No.","start":338.22,"end":338.38,"sentiment":"neutral","sentiment_score":0.004522163420915604}],"sentiment":"neutral","sentiment_score":0.11277025379240513,"num_words":45,"start":303.64,"end":338.38},{"sentences":[{"text":"That would be perfect.","start":338.38,"end":339.44,"sentiment":"neutral","sentiment_score":0.11081893555819988},{"text":"Yep.","start":340.38,"end":340.78,"sentiment":"neutral","sentiment_score":0.12057017534971236},{"text":"Okay.","start":340.78,"end":341.28,"sentiment":"neutral","sentiment_score":0.08699281513690948},{"text":"Well, if I can't, ideally, probably 67 because, I mean, obviously, that's going to be worse my lawn or otherwise, I'll take my super at 65 and then have to wait two years to get the paint I'd rather see what my options are before I make that choice.","start":349.125,"end":367.49,"sentiment":"neutral","sentiment_score":-0.0970096937475764},{"text":"But 60 7 from the sounds of it sounds like a better 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right.","start":394.1,"end":394.82,"sentiment":"neutral","sentiment_score":0.08135183900594711},{"text":"And then I'll yeah.","start":394.82,"end":396.12,"sentiment":"neutral","sentiment_score":0.04945596493780613},{"text":"No.","start":397.30002,"end":397.54,"sentiment":"neutral","sentiment_score":-0.04591885209083557},{"text":"I think yeah.","start":397.54,"end":398.5,"sentiment":"neutral","sentiment_score":-0.01788497654100259}],"sentiment":"neutral","sentiment_score":0.03141692771830342,"num_words":11,"start":393.78,"end":398.5},{"sentences":[{"text":"Yeah.","start":398.5,"end":398.82,"sentiment":"neutral","sentiment_score":0.02991442196071148},{"text":"No.","start":398.82,"end":398.98,"sentiment":"neutral","sentiment_score":-0.01559809222817421},{"text":"That'd be good.","start":398.98,"end":399.86002,"sentiment":"neutral","sentiment_score":0.2759869694709778},{"text":"That'd be good.","start":399.86002,"end":400.76,"sentiment":"positive","sentiment_score":0.3921558956305186},{"text":"Okay.","start":402.58002,"end":403.065,"sentiment":"neutral","sentiment_score":0.08715077489614487}],"sentiment":"neutral","sentiment_score":0.2339884111036857,"num_words":9,"start":398.5,"end":403.065},{"sentences":[{"text":"Okay.","start":410.505,"end":410.905,"sentiment":"neutral","sentiment_score":0.30376189947128296},{"text":"Perfect.","start":410.905,"end":411.405,"sentiment":"positive","sentiment_score":0.5401171445846558},{"text":"Thank 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okay.","start":1649.01,"end":1649.73,"sentiment":"neutral","sentiment_score":0.15037696063518524},{"text":"That's fine.","start":1649.73,"end":1650.55,"sentiment":"neutral","sentiment_score":0.15724308788776398},{"text":"Yeah.","start":1654.715,"end":1655.035,"sentiment":"neutral","sentiment_score":0.017223570495843887}],"sentiment":"neutral","sentiment_score":0.13015845837071538,"num_words":8,"start":1630.175,"end":1655.035},{"sentences":[{"text":"It's around the same time.","start":1655.035,"end":1656.495,"sentiment":"neutral","sentiment_score":0.014493574947118759},{"text":"Yeah.","start":1656.875,"end":1657.375,"sentiment":"neutral","sentiment_score":0.017778299748897552},{"text":"Yep.","start":1657.435,"end":1657.935,"sentiment":"neutral","sentiment_score":0.032566286623477936},{"text":"Yep.","start":1658.0751,"end":1658.5751,"sentiment":"neutral","sentiment_score":0.04181000217795372},{"text":"Doesn't matter what day as long as it's around this 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fine.","start":1680.9349,"end":1681.675,"sentiment":"neutral","sentiment_score":0.023589645512402058}],"sentiment":"neutral","sentiment_score":0.015339011233299971,"num_words":10,"start":1664.635,"end":1681.675},{"sentences":[{"text":"No.","start":1683.095,"end":1683.595,"sentiment":"neutral","sentiment_score":-0.024418216198682785},{"text":"The same.","start":1684.055,"end":1684.695,"sentiment":"neutral","sentiment_score":-0.001235869713127613},{"text":"Thursday would be great.","start":1684.695,"end":1686.075,"sentiment":"neutral","sentiment_score":0.14488356932997704},{"text":"Yep.","start":1687.175,"end":1687.675,"sentiment":"neutral","sentiment_score":0.08014178276062012},{"text":"Yeah.","start":1690.9349,"end":1691.175,"sentiment":"neutral","sentiment_score":0.05474487692117691}],"sentiment":"neutral","sentiment_score":0.07639233126408523,"num_words":9,"start":1683.095,"end":1691.175},{"sentences":[{"text":"That's fine.","start":1691.175,"end":1691.995,"sentiment":"neutral","sentiment_score":0.0844234973192215},{"text":"So not next Thursday, the Thursday after.","start":1692.43,"end":1694.93,"sentiment":"neutral","sentiment_score":-0.007309802940913609},{"text":"Yep.","start":1695.0701,"end":1695.39,"sentiment":"neutral","sentiment_score":0.03820284828543663},{"text":"That's fine.","start":1695.39,"end":1696.93,"sentiment":"neutral","sentiment_score":0.1377662569284439},{"text":"Yep.","start":1704.8301,"end":1705.3301,"sentiment":"neutral","sentiment_score":0.03862250596284866}],"sentiment":"neutral","sentiment_score":0.03615663401209391,"num_words":13,"start":1691.175,"end":1705.3301},{"sentences":[{"text":"Perfect.","start":1707.475,"end":1707.975,"sentiment":"neutral","sentiment_score":0.30416983366012573},{"text":"Yep.","start":1714.355,"end":1714.855,"sentiment":"neutral","sentiment_score":0.019686352461576465},{"text":"I know.","start":1716.835,"end":1717.235,"sentiment":"neutral","sentiment_score":0.023778270930051804},{"text":"Tell me about it.","start":1717.235,"end":1718.375,"sentiment":"neutral","sentiment_score":0.0326767354272306},{"text":"Okay.","start":1722.99,"end":1723.49,"sentiment":"neutral","sentiment_score":0.056227948516607285}],"sentiment":"neutral","sentiment_score":0.062038624245259494,"num_words":9,"start":1707.475,"end":1723.49},{"sentences":[{"text":"No.","start":1729.31,"end":1729.63,"sentiment":"neutral","sentiment_score":-0.06429386883974075},{"text":"I think we've been you've been really good at the moment.","start":1729.63,"end":1732.43,"sentiment":"neutral","sentiment_score":0.19095396995544434},{"text":"Obviously, there'll be more questions coming up.","start":1732.43,"end":1736.505,"sentiment":"neutral","sentiment_score":0.028189384511538913},{"text":"So yeah.","start":1736.505,"end":1738.105,"sentiment":"neutral","sentiment_score":0.02852187119424343},{"text":"Once I get that other stuff.","start":1738.105,"end":1739.725,"sentiment":"neutral","sentiment_score":0.017420528922230005}],"sentiment":"neutral","sentiment_score":0.08870712622862172,"num_words":27,"start":1729.31,"end":1739.725},{"sentences":[{"text":"Yeah.","start":1740.105,"end":1740.4249,"sentiment":"neutral","sentiment_score":0.03261389583349228},{"text":"Yeah.","start":1740.4249,"end":1740.6649,"sentiment":"neutral","sentiment_score":0.03378454968333244},{"text":"Yeah.","start":1740.6649,"end":1740.905,"sentiment":"neutral","sentiment_score":0.0299612395465374},{"text":"Yeah.","start":1740.905,"end":1741.145,"sentiment":"neutral","sentiment_score":0.02231782302260399},{"text":"No.","start":1741.145,"end":1741.3049,"sentiment":"neutral","sentiment_score":0.005054734647274017}],"sentiment":"neutral","sentiment_score":0.024746448546648026,"num_words":5,"start":1740.105,"end":1741.3049},{"sentences":[{"text":"That's fine.","start":1741.3049,"end":1741.7849,"sentiment":"neutral","sentiment_score":0.06960929743945599},{"text":"So I've got you in for Thursday, August 13 at is it did you say four hours?","start":1741.7849,"end":1747.145,"sentiment":"neutral","sentiment_score":0.017302397830302223},{"text":"Oh, 04:30 my time.","start":1747.145,"end":1748.765,"sentiment":"neutral","sentiment_score":0.005967956152744591},{"text":"Yep.","start":1750.4099,"end":1750.9099,"sentiment":"neutral","sentiment_score":0.015798091888427734},{"text":"Yep.","start":1751.69,"end":1752.19,"sentiment":"neutral","sentiment_score":0.05100952833890915}],"sentiment":"neutral","sentiment_score":0.0209615521132946,"num_words":25,"start":1741.3049,"end":1752.19},{"sentences":[{"text":"Yep.","start":1753.77,"end":1754.27,"sentiment":"neutral","sentiment_score":0.1035725325345993},{"text":"Done.","start":1754.33,"end":1754.83,"sentiment":"neutral","sentiment_score":0.19950972497463224},{"text":"Excellent.","start":1756.73,"end":1757.23,"sentiment":"positive","sentiment_score":0.7110307216644287},{"text":"No.","start":1761.5299,"end":1761.77,"sentiment":"neutral","sentiment_score":-0.060296572744846344},{"text":"That's okay.","start":1761.77,"end":1762.59,"sentiment":"neutral","sentiment_score":0.08895085379481316}],"sentiment":"neutral","sentiment_score":0.18861968566974005,"num_words":6,"start":1753.77,"end":1762.59},{"sentences":[{"text":"No.","start":1763.125,"end":1763.365,"sentiment":"neutral","sentiment_score":-0.06876831501722336},{"text":"That's okay.","start":1763.365,"end":1763.9249,"sentiment":"neutral","sentiment_score":0.04661848396062851},{"text":"It's just a training session, but I've got I still got ten minutes.","start":1763.9249,"end":1767.0449,"sentiment":"neutral","sentiment_score":0.03284003700201328},{"text":"Woo hoo.","start":1767.0449,"end":1767.7849,"sentiment":"positive","sentiment_score":0.5688367336988449},{"text":"Okay.","start":1768.325,"end":1768.825,"sentiment":"positive","sentiment_score":0.4031928777694702}],"sentiment":"neutral","sentiment_score":0.10485555153144033,"num_words":19,"start":1763.125,"end":1768.825},{"sentences":[{"text":"Excellent.","start":1769.0449,"end":1769.5449,"sentiment":"positive","sentiment_score":0.5468212366104126},{"text":"Excellent.","start":1773.0869,"end":1773.5869,"sentiment":"positive","sentiment_score":0.7919047474861145},{"text":"Thank you, Veronica.","start":1773.7269,"end":1774.5469,"sentiment":"positive","sentiment_score":0.6464958985646566},{"text":"No worries.","start":1776.0469,"end":1776.7069,"sentiment":"neutral","sentiment_score":0.16024371981620789},{"text":"Bye.","start":1776.767,"end":1777.267,"sentiment":"neutral","sentiment_score":0.19033288955688477}],"sentiment":"positive","sentiment_score":0.47362925112247467,"num_words":8,"start":1769.0449,"end":1777.267}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Lisa speaking.\n\nChannel 0: Good afternoon. This is Ranka from ICU Financial. How are you?\n\nChannel 1: Oh, I am good. Thank you. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in to go over your interview. Is now still a good time, or you're a little\n\nChannel 1: Yes.\n\nChannel 0: bit busy?\n\nChannel 1: No. How long will it take?\n\nChannel 0: Probably about half an hour or so, usually.\n\nChannel 1: Okay. Then that's not that's fine.\n\nChannel 0: That's fine? Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I can try to make it a little bit quicker if you have to go somewhere.\n\nChannel 1: Yeah. That's alright. I'm just in the middle of an appointment, so that's okay.\n\nChannel 0: Okay.\n\nChannel 1: All good.\n\nChannel 0: Okay. Sure.\n\nChannel 1: So now is fine.\n\nChannel 0: Okay. Perfect. Perfect. I'll try to make it quick for you. But before I do jump in, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just\n\nChannel 1: Mhmm.\n\nChannel 0: get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yes. So it's Lisa, l e e s a, Hill, h I l l. Thirty first of the fifth nineteen sixty eight. And\n\nChannel 0: Yep.\n\nChannel 1: my new address did you want my address?\n\nChannel 0: Yes, please.\n\nChannel 1: Yep. So I did update that. 17 Clifford Court Seaford, South Australia 5159.\n\nChannel 0: Yep. Perfect. And I have your updated address, which is great. Now before I do kind of jump into things, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and kind of see where everything's at.\n\nChannel 1: Yeah. So, basically, I just need to know where everything is at, what it's\n\nChannel 0: Yep.\n\nChannel 1: you know, what my the end when I do retire, you know,\n\nChannel 0: Yep.\n\nChannel 1: how's that tracking with what I get and the options of, you know, when I can retire, how that works,\n\nChannel 0: Yep.\n\nChannel 1: all the standard things that I spoke to everyone about\n\nChannel 0: Yeah.\n\nChannel 1: last time. Yeah.\n\nChannel 0: No problem. We can definitely do that. And we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment\n\nChannel 1: Yep.\n\nChannel 0: and kind of where you would be at if everything kind of stays the same. Obviously, there's been a bit of market fluctuations the last twelve months as well, so it might be good to kind of do a bit of a reassess just to see where everything\n\nChannel 1: Yep.\n\nChannel 0: is at for\n\nChannel 1: That\n\nChannel 0: you.\n\nChannel 1: would be good. Yes, please.\n\nChannel 0: Yeah. Perfect. And now, obviously, thinking about retirement, with the current legislation, if you decide to stop working, you can access all your super completely tax free at 60\n\nChannel 1: Mhmm.\n\nChannel 0: if you\n\nChannel 1: Alright.\n\nChannel 0: retire.\n\nChannel 1: Okay. Right. Okay.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: you decide to keep working, or if that's part time, full time, whatever capacity it might be\n\nChannel 1: Yep.\n\nChannel 0: Yep. You can access up to 10% of your super balance under something that is called a transition to retirement.\n\nChannel 1: Oh, yes.\n\nChannel 0: And\n\nChannel 1: I know about that.\n\nChannel 0: that's\n\nChannel 1: Yep.\n\nChannel 0: beautiful. And that is between 60 and 65.\n\nChannel 1: Yep.\n\nChannel 0: After 65, you could do whatever you want. Essentially.\n\nChannel 1: Yay. Get another\n\nChannel 0: Yeah.\n\nChannel 1: seven years. Woo hoo. So\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: are\n\nChannel 1: question\n\nChannel 0: you\n\nChannel 1: that I\n\nChannel 0: yeah.\n\nChannel 1: sorry. The question I have on that is that if I retire,\n\nChannel 0: Yes.\n\nChannel 1: whether it be 65 or 60 or whatever, can I still get the age pension? Is that is the super means tested?\n\nChannel 0: It is factored in. It's not till 67, though. So that is\n\nChannel 1: Right.\n\nChannel 0: kind of\n\nChannel 1: Okay.\n\nChannel 0: the thing\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: what\n\nChannel 0: be\n\nChannel 1: I.\n\nChannel 0: mindful of.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yeah. That's\n\nChannel 0: So\n\nChannel 1: what I need to know.\n\nChannel 0: yes. So that will be 67. So you can take everything and do what you want if you stop working at 60. Obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: just be mindful that each pension, if you're eligible, would not kick in until '67.\n\nChannel 1: '67. And then that, obviously, with the super, if I then\n\nChannel 0: Yes.\n\nChannel 1: take that out, whatever's in my bank account is mean tested, isn't it?\n\nChannel 0: Yes. Exactly.\n\nChannel 1: Right.\n\nChannel 0: Yes.\n\nChannel 1: And can I would it be feasible then, you know, to have installments on my super instead of having it all in the bank?\n\nChannel 0: Yes. Sorry. That's what a lot of people do as well,\n\nChannel 1: Yep.\n\nChannel 0: is that they draw an income. So instead of\n\nChannel 1: What?\n\nChannel 0: having, because it's age pension, it also factors in, like, income and stuff.\n\nChannel 1: Yep.\n\nChannel 0: But what\n\nChannel 1: Yep.\n\nChannel 0: I can do so part of the research is that I can kind of make assumptions based on your current position. If you are when you turn 67 and the way, obviously, super and stuff will be tracking, if\n\nChannel 1: Yep.\n\nChannel 0: you would be eligible for age pension and kind of how\n\nChannel 1: Right.\n\nChannel 0: that would look like. So I can\n\nChannel 1: Yeah.\n\nChannel 0: include all of that as a bit of a a guide for you if you would like.\n\nChannel 1: That would be good because, you know,\n\nChannel 0: Yep.\n\nChannel 1: 58.\n\nChannel 0: Yep.\n\nChannel 1: If I am looking to retire at 67, the next five, six years would be what do I need to do to bulk my super up, what does\n\nChannel 0: Mhmm.\n\nChannel 1: that\n\nChannel 0: Yes.\n\nChannel 1: look like, and what options I have.\n\nChannel 0: Yes. Yep. Perfect. And when it comes through that transition to retirement, that is really tax effective as well.\n\nChannel 1: Oh, good.\n\nChannel 0: It's more tax effective the higher income you you earn.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. But that is also something that when you do turn 60 that we can have\n\nChannel 1: Have\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: look\n\nChannel 0: bit of\n\nChannel 1: at\n\nChannel 0: a look, yeah,\n\nChannel 1: yeah. No. That would be\n\nChannel 0: which\n\nChannel 1: perfect.\n\nChannel 0: is really good. So I'll\n\nChannel 1: Yep.\n\nChannel 0: make a little\n\nChannel 1: Okay.\n\nChannel 0: note of that. Otherwise, you would be planning on taking super at 67, do you think, or do you think 60\n\nChannel 1: Well,\n\nChannel 0: five? Ideally.\n\nChannel 1: if I can't, ideally, probably\n\nChannel 0: Mhmm.\n\nChannel 1: 67 because, I mean,\n\nChannel 0: 60\n\nChannel 1: obviously,\n\nChannel 0: seven.\n\nChannel 1: that's going to\n\nChannel 0: Mhmm.\n\nChannel 1: be worse my lawn or otherwise, I'll take my super\n\nChannel 0: Yeah.\n\nChannel 1: at 65 and then have to wait two years to get the paint I'd rather see\n\nChannel 0: Yes.\n\nChannel 1: what my options are before I make\n\nChannel 0: Yep.\n\nChannel 1: that choice. But 60\n\nChannel 0: Yep.\n\nChannel 1: 7 from the sounds of it sounds like a better\n\nChannel 0: Like\n\nChannel 1: option.\n\nChannel 0: a good yep. Alright. Perfect. I'll factor in 67. And, yes, you most certainly can do it as an income stream, like a pension payment.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: A lot of people do it that way\n\nChannel 1: Yeah.\n\nChannel 0: just because then that way it's easier to kind of, I guess, manage and control\n\nChannel 1: Yep.\n\nChannel 0: than get a lump sum in your bank account. And then you might go and spend it a little bit,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Exactly\n\nChannel 0: then you're like,\n\nChannel 1: right.\n\nChannel 0: oh\n\nChannel 1: And\n\nChannel 0: goodness.\n\nChannel 1: then I'll yeah. No.\n\nChannel 0: So\n\nChannel 1: I think yeah. Yeah. No.\n\nChannel 0: yeah.\n\nChannel 1: That'd be good. That'd be good.\n\nChannel 0: And you can change that whenever you want to anyway. So\n\nChannel 1: Okay.\n\nChannel 0: if it is that you do an income and you some emergency come up and you need a little bit more, we can always reassess that for you.\n\nChannel 1: Okay. Perfect. Thank you.\n\nChannel 0: Yeah. No worries. Now with the calculations as well, I do kinda factor in that when you do turn 67, kind of an ideal income that you would need to sustain your retirement, cover bills and expenses, and everything like that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I have here about a thousand dollars a week. Is that still kind of achievable for you, or do you think\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: again\n\nChannel 0: need more\n\nChannel 1: again,\n\nChannel 0: or less?\n\nChannel 1: if I'm looking at doing it as, like, an allowance or a wage or whatever\n\nChannel 0: Mhmm.\n\nChannel 1: you wanna call it\n\nChannel 0: Yes.\n\nChannel 1: when I'm 67, then, obviously,\n\nChannel 0: Yep.\n\nChannel 1: I would take into account what I get from the pension and then\n\nChannel 0: Yes.\n\nChannel 1: top it up to what I need from my super because I would imagine that that would be that would last longer.\n\nChannel 0: Yes. And if\n\nChannel 1: Yeah.\n\nChannel 0: how much combined would you if you were to say\n\nChannel 1: I\n\nChannel 0: right now, do you think you'd need?\n\nChannel 1: well, I probably would need around about $1,000 a week\n\nChannel 0: Mhmm.\n\nChannel 1: at the\n\nChannel 0: Okay.\n\nChannel 1: this stage. I mean, obviously, that's going to change potentially.\n\nChannel 0: Yes. Yep.\n\nChannel 1: But right now, if we're looking at the fees, yeah, it'd be about 1,000 a week.\n\nChannel 0: Okay. Perfect. Now I will factor that in for you. And what I will do as well is just to kind of run through just a bit of an updated fact fund with you just\n\nChannel 1: Yep.\n\nChannel 0: to see if there's anything else that's changed that we need to kinda factor in through the advice\n\nChannel 1: Okay.\n\nChannel 0: for you. So bear with me. I'll try to go through this quickly\n\nChannel 1: Yep. That's\n\nChannel 0: with\n\nChannel 1: okay.\n\nChannel 0: you.\n\nChannel 1: All good.\n\nChannel 0: Now personal information, I have you down here as single with no financial dependent. Your\n\nChannel 1: Correct.\n\nChannel 0: son's a bit older. Is that correct?\n\nChannel 1: Yeah. He's turned\n\nChannel 0: Yep.\n\nChannel 1: 25 yesterday. So yeah.\n\nChannel 0: Oh, nice. Did you guys do anything fun?\n\nChannel 1: Yeah. We just had dinner and, you\n\nChannel 0: Yeah.\n\nChannel 1: know yeah. That was nice.\n\nChannel 0: Yeah. Beautiful. I also have him down as next of kin if something ever\n\nChannel 1: Correct.\n\nChannel 0: were to happen to you. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And also for beneficiary. So receiving\n\nChannel 1: Yes.\n\nChannel 0: your super and stuff if something were to happen to you.\n\nChannel 1: Absolutely. Yep.\n\nChannel 0: Yep. Great. Now employment wise, has\n\nChannel 1: Mhmm.\n\nChannel 0: any of that changed for you in\n\nChannel 1: No.\n\nChannel 0: the last twelve months? Perfect.\n\nChannel 1: No.\n\nChannel 0: So still business manager,\n\nChannel 1: Yep.\n\nChannel 0: full time. Yep. I have income at around 105,000. Is that still the case, or has that changed a bit?\n\nChannel 1: Well, I mean, no. Not really. I mean, we did have a pretty hefty CPI increase. But, yeah, it's around about a 105.\n\nChannel 0: Around a 100\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: Yeah?\n\nChannel 1: That hasn't changed.\n\nChannel 0: Okay. And they just pay that standard 12% contribution into super. There's no, like yep. Perfect. And are you making any additional contributions to\n\nChannel 1: Yep.\n\nChannel 0: super?\n\nChannel 1: No. But that's\n\nChannel 0: Right.\n\nChannel 1: like I said, it's for as I you know, next sort of like if\n\nChannel 0: Yep.\n\nChannel 1: I'm looking at '67, I mean,\n\nChannel 0: Yep.\n\nChannel 1: you know, in the next, say, five, ten years, I would be wanting to see what I can do to top it\n\nChannel 0: Yep.\n\nChannel 1: up perhaps and how that would\n\nChannel 0: Yep.\n\nChannel 1: look like. Yeah.\n\nChannel 0: Right. And this is kind of this will be a good kind of starting point to be like, okay. Where are things at now? How\n\nChannel 1: Yeah.\n\nChannel 0: are we looking? And then\n\nChannel 1: Yeah.\n\nChannel 0: you can obviously assess. And then, obviously, next under review, we could always look at, okay. Well, do we need to look at doing some top up, or what does it look like, or are\n\nChannel 1: Yeah.\n\nChannel 0: you on tracking\n\nChannel 1: Yeah.\n\nChannel 0: pretty well?\n\nChannel 1: Yeah. Because I was looking to do start the conversations and then, you know, when I turn 60, I've got that seven years sorta\n\nChannel 0: Yes.\n\nChannel 1: like\n\nChannel 0: Okay.\n\nChannel 1: less what I\n\nChannel 0: Yes.\n\nChannel 1: need to do in that seven years. Yeah.\n\nChannel 0: Yep. Perfect. I'll\n\nChannel 1: Yep.\n\nChannel 0: make a little note so when you turn 60, and then we can always reassess where\n\nChannel 1: Yeah.\n\nChannel 0: everything's at for you.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Now assets and liability wise,\n\nChannel 1: Mhmm.\n\nChannel 0: I have\n\nChannel 1: That's\n\nChannel 0: here\n\nChannel 1: changed.\n\nChannel 0: I okay. So\n\nChannel 1: Yep.\n\nChannel 0: what's where is everything at at the moment?\n\nChannel 1: So I've bought a house. I'm\n\nChannel 0: Oh,\n\nChannel 1: not renting\n\nChannel 0: nice.\n\nChannel 1: anymore. Yeah.\n\nChannel 0: That's good. And how much is that one worth?\n\nChannel 1: Market or what I paid?\n\nChannel 0: Market would be good. So, like,\n\nChannel 1: Oh,\n\nChannel 0: if you were to sell\n\nChannel 1: lord.\n\nChannel 0: it tomorrow, what would it be worth?\n\nChannel 1: Oh my god. It'd probably be around the 900,000 mark\n\nChannel 0: Perfect.\n\nChannel 1: at current\n\nChannel 0: And\n\nChannel 1: rates they are now.\n\nChannel 0: yes. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And mortgage attached to it?\n\nChannel 1: There's only 200,000 there.\n\nChannel 0: Oh, beautiful. That's nice. And motor vehicle?\n\nChannel 1: No. I have a oh, well, I do have a car. I do have a company car,\n\nChannel 0: Mhmm.\n\nChannel 1: but I do have my son drives my car.\n\nChannel 0: Okay.\n\nChannel 1: But that's only yeah. That wouldn't if I sold it today, I'd probably get about $78 for it.\n\nChannel 0: Yep. Perfect. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I think it's the same one we have here. We had seven\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: with nothing owing on that\n\nChannel 1: No. Correct.\n\nChannel 0: one. No. Perfect. Any other changes to your assets?\n\nChannel 1: No. Not no.\n\nChannel 0: Nope. Nope.\n\nChannel 1: Nope.\n\nChannel 0: Okay. Any savings in the banks or anything else I need to consider?\n\nChannel 1: Yes. So that's changed. So I've got about 15,000 sitting in my savings at\n\nChannel 0: Mhmm.\n\nChannel 1: the moment.\n\nChannel 0: Okay. Perfect. Yep. That's good. Any other liabilities, like personal loans, credit card, pay?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: No. No.\n\nChannel 0: Okay. Great.\n\nChannel 1: Oh, I have a credit card, and I there's about $2 on it. I don't have anything else. It's I\n\nChannel 0: Yep.\n\nChannel 1: only use that for emergencies, so that just sits there.\n\nChannel 0: Yeah. Okay. Perfect. That's good. And that was just about $22, did you say?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. No worries. Now health and lifestyle, I have\n\nChannel 1: Mhmm.\n\nChannel 0: you done here just as a social smoker, if that's the case?\n\nChannel 1: Correct. Yes.\n\nChannel 0: Yep. And\n\nChannel 1: And\n\nChannel 0: have\n\nChannel 1: in\n\nChannel 0: you\n\nChannel 1: saying that,\n\nChannel 0: had\n\nChannel 1: I probably haven't had one in the last well, actually, I can't say that. So probably, yeah, dad passed\n\nChannel 0: That's\n\nChannel 1: in\n\nChannel 0: okay.\n\nChannel 1: October last year. So\n\nChannel 0: I'm\n\nChannel 1: there\n\nChannel 0: sorry\n\nChannel 1: was\n\nChannel 0: to\n\nChannel 1: a time\n\nChannel 0: hear.\n\nChannel 1: where I was smoking a little bit more heavier.\n\nChannel 0: Yeah.\n\nChannel 1: That was a bit emotional.\n\nChannel 0: Yes.\n\nChannel 1: But yeah. Look. Other than that, I for the last two, three months, I probably haven't had any.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That is all good. And have you had any changes to your health otherwise? Any health issues\n\nChannel 1: No. No.\n\nChannel 0: or injuries?\n\nChannel 1: All\n\nChannel 0: No.\n\nChannel 1: the same. Quite boring.\n\nChannel 0: Great. That's good, though. I\n\nChannel 1: I know\n\nChannel 0: like\n\nChannel 1: it is\n\nChannel 0: that.\n\nChannel 1: good.\n\nChannel 0: When it comes to health, people are like, no. I'm healthy. I'm like, yes. Good. And do you have private health insurance?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yes. Okay. Perfect. Now estate planning wise, do you have a will or power of attorney or anything like that in\n\nChannel 1: I don't\n\nChannel 0: place?\n\nChannel 1: have a power of attorney. I do have a will,\n\nChannel 0: Nope. Okay.\n\nChannel 1: and my son, obviously, is everything goes to him. He yeah.\n\nChannel 0: Yep.\n\nChannel 1: There's nobody else. So yep.\n\nChannel 0: Yep. Okay. Perfect. Otherwise, I guess, when it comes to other goals and stuff that you are working towards, obviously, aside from getting a bit more kind of insight on superannuation and then when you turn 60, looking at\n\nChannel 1: Yep.\n\nChannel 0: potentially different strategies depending on where things are at. Obviously, last time we spoke, your main focus was to buy a property, which you have done, which is great.\n\nChannel 1: Yes.\n\nChannel 0: So do you have anything else at the moment that you are kind of working towards in the next couple of years, or is it mainly for, like, retirement\n\nChannel 1: It's more like retirement\n\nChannel 0: planning?\n\nChannel 1: planning now\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: because I you know, I've only got a small mortgage that, you know, can make extra contributions and everything for.\n\nChannel 0: Yep.\n\nChannel 1: I'm planning to have have that pay that 200,000 paid off in the next seven years. So that should be that should fall just before I retire.\n\nChannel 0: Yep.\n\nChannel 1: So that's\n\nChannel 0: Yep.\n\nChannel 1: my planning.\n\nChannel 0: Yep.\n\nChannel 1: But other than that, no. Nothing. You know, it's just\n\nChannel 0: Yep.\n\nChannel 1: more that transition to retirement.\n\nChannel 0: Yep. No. Perfect. So with your superannuation as well, we usually go through just a bit of an updated risk profile questionnaire you\n\nChannel 1: Yep.\n\nChannel 0: would know\n\nChannel 1: Yep.\n\nChannel 0: from last time just to\n\nChannel 1: Yep.\n\nChannel 0: see if there is anything that has changed with your risk tolerance if we also need to make any changes.\n\nChannel 1: Yep.\n\nChannel 0: So I guess when it comes to how much risk you are currently comfortable taking for your superannuation,\n\nChannel 1: Mhmm.\n\nChannel 0: would you say that you are willing to accept very high risk, high moderate, or a small amount of risk?\n\nChannel 1: I think I'll leave it the same as what I did last update.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Because whenever I get my statements, it seems to be\n\nChannel 0: Mhmm.\n\nChannel 1: tracking okay. However, the\n\nChannel 0: Yes.\n\nChannel 1: last one was a little bit low, but that's,\n\nChannel 0: Yep.\n\nChannel 1: you know, that's expected in the current financial market and everything happening in the world. So\n\nChannel 0: Yes.\n\nChannel 1: I'm quite happy with the risk that I'm taking\n\nChannel 0: Okay.\n\nChannel 1: now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. Perfect. And you are in a good spot where you are in that balanced growth portfolio\n\nChannel 1: Yes. Yes.\n\nChannel 0: where you have a good com like, you're still focusing on growing,\n\nChannel 1: Yep.\n\nChannel 0: but you do have that conservative element through the portfolio as well.\n\nChannel 1: Yeah. And I think I'd like to keep that,\n\nChannel 0: Yes.\n\nChannel 1: especially yeah. You know, in this day and age.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: No. And I think that's that's really good. So we will leave your balance growth. Now, Lisa, do you have access to your emails at the moment?\n\nChannel 1: Yeah. I'll I can access it through my phone. That's fine.\n\nChannel 0: Okay. Yes. If you can, that would be good because I have sent you an email with a couple of documents to kind of run through with you\n\nChannel 1: Yep.\n\nChannel 0: if you can\n\nChannel 1: Sure.\n\nChannel 0: get those up.\n\nChannel 1: Let's just get that up now. So did you just send that through?\n\nChannel 0: Yes. Just when I just when you answer the phone.\n\nChannel 1: And is that a signature request?\n\nChannel 0: Phone. Yes.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: it has changed slightly from last year, the software. It's kind of the same, though, where it will ask you to click on the link.\n\nChannel 1: Yep.\n\nChannel 0: It will allow you to open up and look at everything first, though, before it\n\nChannel 1: Yep.\n\nChannel 0: prompts you to sign anything just to make sure you are happy first.\n\nChannel 1: Alright. So I've got annual\n\nChannel 0: Yes.\n\nChannel 1: review. So I it's only giving me the option to sign the document.\n\nChannel 0: If you\n\nChannel 1: Where do\n\nChannel 0: click\n\nChannel 1: I\n\nChannel 0: on sign, does\n\nChannel 1: yep.\n\nChannel 0: it then open up, like, a super and insurance summary?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yes. Okay. Perfect. That's good. So with your super and insurance, you can see here that you do have your superannuation with hub twenty four, and you do have about $207,687 in there.\n\nChannel 1: Perfect.\n\nChannel 0: And then you also have a income protection policy,\n\nChannel 1: Yes. I\n\nChannel 0: and that would pay you a monthly amount of 6,092. You have that ninety day waiting period, five year\n\nChannel 1: yep.\n\nChannel 0: benefit period. You get a little tax rebate because it's paid from within super,\n\nChannel 1: Yep.\n\nChannel 0: and it's about 2,400\n\nChannel 1: Yeah.\n\nChannel 0: and 12.\n\nChannel 1: So just going back there with the hub 20\n\nChannel 0: Mhmm.\n\nChannel 1: four, I had\n\nChannel 0: Yes.\n\nChannel 1: did have to ring them today.\n\nChannel 0: Okay.\n\nChannel 1: I got a notification from my payroll that\n\nChannel 0: Yes.\n\nChannel 1: the contributions were bouncing back. They weren't.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So I rang Hub, and\n\nChannel 0: Mhmm.\n\nChannel 1: apparently, there's something wrong with their system.\n\nChannel 0: Yes. So we had quite a few clients yesterday as well\n\nChannel 1: Right.\n\nChannel 0: with that exact same issue. So you were\n\nChannel 1: Yeah.\n\nChannel 0: not the only one. A lot of people\n\nChannel 1: Right.\n\nChannel 0: had had issues.\n\nChannel 1: Yep.\n\nChannel 0: So at least I'm glad that you got an answer. Phone them. If you do have any issues, you can always just call us as well if it's easier because sometimes the wait to have 24 and and stuff can be a little bit longer.\n\nChannel 1: Well, yeah. That was my concern because then that was yesterday. And then today, I received a letter from the AGO.\n\nChannel 0: And what was that in\n\nChannel 1: That\n\nChannel 0: regards\n\nChannel 1: was\n\nChannel 0: to?\n\nChannel 1: that was regard to the super. And\n\nChannel 0: Mhmm.\n\nChannel 1: they were advising that no super was that my company had not put my super in weekly, so obviously, they're monitoring it. But when I spoke to Hub twenty four,\n\nChannel 0: Yes.\n\nChannel 1: they said, oh, don't worry about that. They have they, you know, intend to have it up and running as soon as possible. And I went, well, how long is that?\n\nChannel 0: Yes. Let let me log in to your account right now and see. But, yes, we had a lot of people yesterday. We\n\nChannel 1: Okay.\n\nChannel 0: I haven't had anyone having any issues today. But let me log in to your account, and I can see if it's dropped there. But, yeah, we had a lot of clients yesterday having the same thing. Payroll had a bit of an issue with processing, and it\n\nChannel 1: Yep.\n\nChannel 0: was just like a back end or with hub twenty four. And they advised us as well that that should have been resolved and shouldn't be any issues moving forward and that\n\nChannel 1: Yep.\n\nChannel 0: all\n\nChannel 1: Yep.\n\nChannel 0: the contributions have been received. But let me just triple check your account as well just to that make sure that's the case. Just bear with me. Now it doesn't look like it's coming to your account yet.\n\nChannel 1: Right.\n\nChannel 0: I will make a note, and I will get the team to have a look tomorrow morning just because they do have they have shut today\n\nChannel 1: No. That's okay.\n\nChannel 0: And keep an eye on it. And\n\nChannel 1: Yep.\n\nChannel 0: if it hasn't dropped by tomorrow, to give them to give Hub twenty four a follow-up call because they told us\n\nChannel 1: That\n\nChannel 0: that\n\nChannel 1: would\n\nChannel 0: it\n\nChannel 1: be\n\nChannel 0: should\n\nChannel 1: good.\n\nChannel 0: have been sorted.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And then I'll get them through do you want them to give you a quick call or text or email? What do you prefer?\n\nChannel 1: Yeah. If you can get them to give me a quick call because I\n\nChannel 0: Yep.\n\nChannel 1: would like to know if it's been sorted\n\nChannel 0: Yes.\n\nChannel 1: Because otherwise, I'm just gonna have my company on the phone and be going, what's going on?\n\nChannel 0: Yes. Yep. Yep. Yep. Perfect.\n\nNow I'll make a little note for the team to have a look at that first thing tomorrow when they open, see if\n\nChannel 1: Yep.\n\nChannel 0: it's dropped in your account. And if not, call Hub twenty four and query what is happening because, yeah, they said everything should have been sorted by now. And I'll get them to give you a quick call as soon as they've heard back from Hub twenty four as well just to give you that update.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Then that'll be great.\n\nChannel 0: Yep. Perfect. Now when it comes to your insurances, obviously, you don't have a life or total permanent disability. You're still comfortable just for that income protection?\n\nChannel 1: Yeah. I think I would be okay if that yeah. Maybe next year, I'll change it up. Maybe, you know, but right now, yeah, I think I'm fine.\n\nChannel 0: Perfect. Okay. Perfect. Now the next document\n\nChannel 1: Yep.\n\nChannel 0: should be a performance report with hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this might look a little bit messy if you are looking on the phone, but, essentially, it breaks down all your individual investments,\n\nChannel 1: Yep.\n\nChannel 0: how they have performed, and how much you have in each investment option. Now\n\nChannel 1: Yes.\n\nChannel 0: this is over a twelve month period as well.\n\nChannel 1: Right.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: yeah, so kind of like you touched on, obviously, we have seen a bit of market fluctuation the last twelve months with everything going on in The US.\n\nChannel 1: Yep.\n\nChannel 0: And, obviously,\n\nChannel 1: Yep.\n\nChannel 0: with the war and stuff like that, there has been a bit of fluctuation. In saying that, though, your portfolio has still done pretty good considering. Mhmm. So\n\nChannel 1: Yep. It has, looking at it that\n\nChannel 0: considering.\n\nChannel 1: way.\n\nChannel 0: Mhmm. So\n\nChannel 1: Yep.\n\nChannel 0: when you're looking at a total,\n\nChannel 1: Yeah.\n\nChannel 0: after fees, it's still gone up by 5.57%,\n\nChannel 1: Five percent. Yep. Okay.\n\nChannel 0: which is about 15,250, and that is just from your investment earnings. Like, it's not contributions.\n\nChannel 1: Oh, good. Yep.\n\nChannel 0: Yeah. Now when you have a look at the second column to the right for me, it should\n\nChannel 1: Yep.\n\nChannel 0: say\n\nChannel 1: One\n\nChannel 0: internal\n\nChannel 1: second.\n\nChannel 0: rate of return.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Got it.\n\nChannel 0: So this breaks down how each and every single one of the individual investment have performed.\n\nChannel 1: Wow. What's the thirty eight percent one?\n\nChannel 0: That is lithium.\n\nChannel 1: ACDG.\n\nChannel 0: So that one is\n\nChannel 1: Wow.\n\nChannel 0: a\n\nChannel 1: Okay.\n\nChannel 0: battery pack in lithium. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: a few prices, electric vehicles, gone through the roof.\n\nChannel 1: Yep. It has.\n\nChannel 0: Now the one at the top that has bracket next to it, that is underperforming a little bit at the moment, which is\n\nChannel 1: Yes.\n\nChannel 0: your Ben\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: a\n\nChannel 0: Long Australian\n\nChannel 1: twenty five.\n\nChannel 0: Equity. Correct.\n\nChannel 1: Then along the Saudi Equity Fund. Yep.\n\nChannel 0: So yeah. So this is the one I would I'll reassess all the investments anyway just to make sure, but that Benelon particular is one that I would like to potentially look at changing for you,\n\nChannel 1: Okay.\n\nChannel 0: especially\n\nChannel 1: Yep.\n\nChannel 0: because recently, they've been a little bit slower in making those investment decisions. And if there are any better options out there for you moving forward, then we obviously wanna be proactive with\n\nChannel 1: Yep. Perfect.\n\nChannel 0: that. Yep.\n\nChannel 1: I'm happy with that.\n\nChannel 0: So yep. Perfect. So I'll do some research for you and then include kind of everything in that strategy that we can go through together. Now next document should just be your ascender certificate of currency, I\n\nChannel 1: Yep.\n\nChannel 0: believe.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: And that looks good as long I mean, we had a bit of a decline there, but it's majority of it's going is trending upwards, so that's good.\n\nChannel 0: Just Exactly. Yes. And and, obviously, with the market and everything, things will fluctuate a little bit,\n\nChannel 1: Yeah.\n\nChannel 0: and that's just kind of the nature. But but given everything, it's still done pretty good, especially considering when you are in that balanced growth portfolio, having that little bit conservative element as well. So quite\n\nChannel 1: Yeah.\n\nChannel 0: happy with\n\nChannel 1: Perfect.\n\nChannel 0: that, but I do wanna have a bit of a reassessment. Now next documents, what is that one that you can\n\nChannel 1: Ascender.\n\nChannel 0: see, Lisa?\n\nChannel 1: Ascender.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: So that basically just shows you break down your insurance again in more detail. Just let you know that's\n\nChannel 1: Right.\n\nChannel 0: all paid and up to date, essentially.\n\nChannel 1: So we send it so this only has just changed, hasn't it?\n\nChannel 0: Yes. It used to be\n\nChannel 1: Yep.\n\nChannel 0: MLC.\n\nChannel 1: That's right. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Then move over. Your insurance didn't change, though. It's it's the same. It's just another\n\nChannel 1: Yep.\n\nChannel 0: company that took over\n\nChannel 1: Okay.\n\nChannel 0: from it.\n\nChannel 1: Perfect.\n\nChannel 0: Yes. Now next one, is that your Vanguard index chart?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And you've seen something like this before?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Basically, we include it because it is a good visual representation of what we are talking about when we're talking about the market.\n\nChannel 1: Yep.\n\nChannel 0: Vanguard does release one every year as well. So the next one is due to come out any minutes now because they release it at the end of their financial year. So it should be out soon, but it just kind of shows you a bit of an update on the different asset classes and how they have kind of performed over time.\n\nChannel 1: Okay. Okay. Not a problem.\n\nChannel 0: Yep. Now next one should be your overview services guide.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Again, you probably have seen this one a few times\n\nChannel 1: Yeah.\n\nChannel 0: before. It is\n\nChannel 1: That's\n\nChannel 0: one of those\n\nChannel 1: fine.\n\nChannel 0: compliance documents, but all\n\nChannel 1: Yep.\n\nChannel 0: the important information is in there if you do wanna have a bit of a read over it, which then should take us through the last document, which is your ongoing service agreement with hub\n\nChannel 1: Yep.\n\nChannel 0: '24.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So this one here will ask for your signature if you are happy to do so. There's no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super.\n\nChannel 1: Yep.\n\nChannel 0: No\n\nChannel 1: Yep.\n\nChannel 0: changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is\n\nChannel 1: Yep.\n\nChannel 0: not a lock in contract. But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime.\n\nChannel 1: Okay. So I've just signed that and I just\n\nChannel 0: Yep.\n\nChannel 1: oh, okay. So the date's already in there.\n\nChannel 0: Yep.\n\nChannel 1: Validate\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: and then we are loading. It's taking a while to load. So\n\nChannel 0: That's all good. While I wait for that to load, while I have you on the phone, we'll book\n\nChannel 1: Yep.\n\nChannel 0: in the the catch up for us for me to go through the research with you\n\nChannel 1: Yep.\n\nChannel 0: just while I have you. Now it will take me about a week or so to put it all together.\n\nChannel 1: That's okay. That's fine.\n\nChannel 0: When is normally a best time for you? Is it kind of late afternoon that's\n\nChannel 1: Yeah. It's around\n\nChannel 0: most\n\nChannel 1: the same\n\nChannel 0: suitable?\n\nChannel 1: time. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Alright. Let me have a look. So\n\nChannel 1: Doesn't matter what day as long as it's\n\nChannel 0: okay.\n\nChannel 1: around this time. Yeah.\n\nChannel 0: I\n\nChannel 1: Mornings\n\nChannel 0: could do\n\nChannel 1: are\n\nChannel 0: no.\n\nChannel 1: a\n\nChannel 0: That's all good.\n\nChannel 1: bit\n\nChannel 0: I can do same\n\nChannel 1: busy.\n\nChannel 0: time. So 04:30 your time, 05:00 my time\n\nChannel 1: Yep.\n\nChannel 0: on Thursday, August 13,\n\nChannel 1: Yep. That's\n\nChannel 0: or\n\nChannel 1: fine.\n\nChannel 0: Monday, the tenth?\n\nChannel 1: No. The\n\nChannel 0: No?\n\nChannel 1: same. Thursday would be great.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So Thursday, not Wednesday? That's fine?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yes. Okay.\n\nChannel 1: So not\n\nChannel 0: Perfect.\n\nChannel 1: next Thursday, the Thursday after. Yep.\n\nChannel 0: Yes.\n\nChannel 1: That's\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: fine.\n\nChannel 0: Alright. I will lock that in. Now if anything does change for you and you can't make it, just let me know, and I can see\n\nChannel 1: Yep.\n\nChannel 0: if I can always shuffle a few things around or we get you rescheduled.\n\nChannel 1: Perfect.\n\nChannel 0: That is no problem. But, otherwise, I will give you a call on Thursday, August 13, which is\n\nChannel 1: Yep.\n\nChannel 0: crazy. You know, it's August already.\n\nChannel 1: I know. Tell me about it.\n\nChannel 0: And that will be our 04:30 your time.\n\nChannel 1: Okay.\n\nChannel 0: Do you have any other questions or anything else for me at this point before I let you go?\n\nChannel 1: No. I think we've been you've been really good at the moment. Obviously, there'll be more questions\n\nChannel 0: Yes.\n\nChannel 1: coming\n\nChannel 0: And more\n\nChannel 1: up.\n\nChannel 0: information\n\nChannel 1: So\n\nChannel 0: as well\n\nChannel 1: yeah.\n\nChannel 0: with\n\nChannel 1: Once\n\nChannel 0: with\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: get\n\nChannel 0: strategy.\n\nChannel 1: that other stuff. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. No. That's fine.\n\nSo I've got you in for Thursday, August 13 at is it did you say four hours? Oh, 04:30 my time.\n\nChannel 0: 04:30 your time, which\n\nChannel 1: Yep.\n\nChannel 0: is 05:00 my time.\n\nChannel 1: Yep.\n\nChannel 0: So basically same as today.\n\nChannel 1: Yep. Done.\n\nChannel 0: Yep. Great. Beautiful.\n\nChannel 1: Excellent.\n\nChannel 0: Well, I will let you go. Hopefully, you're not too late to everything\n\nChannel 1: No. That's\n\nChannel 0: you have\n\nChannel 1: okay.\n\nChannel 0: to do today.\n\nChannel 1: No. That's okay. It's just a training session, but I've got I still got ten minutes. Woo hoo.\n\nChannel 0: Okay. But beautiful.\n\nChannel 1: Okay.\n\nChannel 0: I will let\n\nChannel 1: Excellent.\n\nChannel 0: you go. I look forward to speaking with you on Thursday, the thirteenth.\n\nChannel 1: Excellent. Thank you,\n\nChannel 0: Mhmm.\n\nChannel 1: Veronica.\n\nChannel 0: No worries. We'll speak soon.\n\nChannel 1: No worries. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.06103023886680603},{"text":"Lisa speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.061074987053871155}],"sentiment":"neutral","sentiment_score":0.06106007099151611,"channel":1,"num_words":3,"start":1.1999999,"end":2.42},{"sentences":[{"text":"Good afternoon.","start":3.28,"end":4.08,"sentiment":"positive","sentiment_score":0.3871014267206192},{"text":"This is Ranka from ICU Financial.","start":4.08,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.3299744377533595},{"text":"How are you?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2484539896249771}],"sentiment":"neutral","sentiment_score":0.31812831353057514,"channel":0,"num_words":11,"start":3.28,"end":6.8199997},{"sentences":[{"text":"Oh, I am 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at least I'm glad that you got an answer.","start":1097.7151,"end":1100.035,"sentiment":"positive","sentiment_score":0.4815154403448105},{"text":"Phone them.","start":1100.035,"end":1100.355,"sentiment":"neutral","sentiment_score":0.2047107294201851},{"text":"If you do have any issues, you can always just call us as well if it's easier because sometimes the wait to have 24 and and stuff can be a little bit longer.","start":1100.355,"end":1108.51,"sentiment":"neutral","sentiment_score":-0.04283770365696965}],"sentiment":"neutral","sentiment_score":0.0846873698135217,"channel":0,"num_words":45,"start":1097.7151,"end":1108.51},{"sentences":[{"text":"Well, yeah.","start":1108.66,"end":1109.5399,"sentiment":"neutral","sentiment_score":0.0007526576519012451},{"text":"That was my concern because then that was yesterday.","start":1109.5399,"end":1113.16,"sentiment":"neutral","sentiment_score":-0.07637107206715478},{"text":"And then today, I received a letter from the 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situation. They explain their retirement plans, fees, and retirement plans and health and lifestyle goals. The representatives also provide information on retirement plans and fees, assets, liabilities, and health and lifestyle goals. They emphasize the importance of the service agreement and provide guidance on various documents and training sessions. The customer is advised to check their account for changes and schedule a follow-up call for a week later."},"intents":{"segments":[{"text":"Thank you. Yourself?","start_word":18,"end_word":20,"intents":[{"intent":"Express gratitude","confidence_score":0.07071459}]},{"text":"I had you booked in to go over your interview. Is now still a good time, or you're a little Yes.","start_word":25,"end_word":45,"intents":[{"intent":"Discuss interview","confidence_score":0.016477061}]},{"text":"I had you booked in to go over your interview. Is now still a good time, or you're a little Yes. bit busy?","start_word":25,"end_word":47,"intents":[{"intent":"Inquire about availability","confidence_score":0.008943068},{"intent":"Request interview time","confidence_score":0.020011611}]},{"text":"I'll try to make it quick for you. But before I do jump in, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yeah.","start_word":115,"end_word":150,"intents":[{"intent":"Inform about recorded calls","confidence_score":0.0018302308}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just Mhmm. get you to confirm your full name, date of birth, and address, please? Yes.","start_word":154,"end_word":188,"intents":[{"intent":"Confirm identity","confidence_score":0.34344506},{"intent":"Provide security details","confidence_score":0.00022596114}]},{"text":"my new address did you want my address? Yes, please.","start_word":212,"end_word":221,"intents":[{"intent":"Provide address","confidence_score":0.0037108883}]},{"text":"you know, what my the end when I do retire, you know, Yep.","start_word":318,"end_word":330,"intents":[{"intent":"Inquire about retirement date","confidence_score":0.0013276885}]},{"text":"And we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment Yep.","start_word":373,"end_word":399,"intents":[{"intent":"Update statements","confidence_score":0.0056324587}]},{"text":"And we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment Yep. and kind of where you would be at if everything kind of stays the same. Obviously, there's been a bit of market fluctuations the last twelve months as well, so it might be good to kind of do a bit of a reassess just to see where everything Yep. is at for That you.","start_word":373,"end_word":453,"intents":[{"intent":"Evaluate situation","confidence_score":0.037704393}]},{"text":"And now, obviously, thinking about retirement, with the current legislation, if you decide to stop working, you can access all your super completely tax free at 60 Mhmm.","start_word":461,"end_word":488,"intents":[{"intent":"Access super balance","confidence_score":0.3291431},{"intent":"Qualify for retirement","confidence_score":0.003531822}]},{"text":"just be mindful that each pension, if you're eligible, would not kick in until '67.","start_word":676,"end_word":690,"intents":[{"intent":"Educate on pension options","confidence_score":0.0016607913}]},{"text":"Now with the calculations as well, I do kinda factor in that when you do turn 67, kind of an ideal income that you would need to sustain your retirement, cover bills and expenses, and everything like that. Yep.","start_word":1224,"end_word":1262,"intents":[{"intent":"Calculate retirement income","confidence_score":0.06542991}]},{"text":"how much combined would you if you were to say I right now, do you think you'd need? well, I probably would need around about $1,000 a week Mhmm. at the Okay. this stage. I mean, obviously, that's going to change potentially. Yes. Yep. But right now, if we're looking at the fees, yeah, it'd be about 1,000 a week. Okay.","start_word":1361,"end_word":1421,"intents":[{"intent":"Calculate expenses","confidence_score":0.019597031}]},{"text":"And how much is that one worth? Market or what I paid?","start_word":1932,"end_word":1943,"intents":[{"intent":"Evaluate potential financial status","confidence_score":0.00007295627}]},{"text":"Any other liabilities, like personal loans, credit card, pay? 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Perfect.","start_word":3027,"end_word":3055,"intents":[{"intent":"Manage superannuation plan","confidence_score":0.00014152443}]},{"text":"But let me log in to your account, and I can see if it's dropped there.","start_word":3372,"end_word":3387,"intents":[{"intent":"Check account status","confidence_score":0.31727073}]},{"text":"I will make a note, and I will get the team to have a look tomorrow morning just because they do have they have shut today No.","start_word":3486,"end_word":3512,"intents":[{"intent":"Send team update","confidence_score":0.0025474397}]},{"text":"And I'll get them to give you a quick call as soon as they've heard back from Hub twenty four as well just to give you that update. Okay.","start_word":3678,"end_word":3706,"intents":[{"intent":"Request call back","confidence_score":0.0061827535},{"intent":"Provide update","confidence_score":0.06122993}]},{"text":"In saying that, though, your portfolio has still done pretty good considering. Mhmm.","start_word":3885,"end_word":3897,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.1731868}]},{"text":"So this is the one I would I'll reassess all the investments anyway just to make sure, but that Benelon particular is one that I would like to potentially look at changing for you, Okay.","start_word":4077,"end_word":4111,"intents":[{"intent":"Assess investments","confidence_score":0.0112564275}]},{"text":"because recently, they've been a little bit slower in making those investment decisions. And if there are any better options out there for you moving forward, then we obviously wanna be proactive with Yep. Perfect.","start_word":4114,"end_word":4148,"intents":[{"intent":"Be proactive","confidence_score":0.010302165}]},{"text":"So I'll do some research for you and then include kind of everything in that strategy that we can go through together.","start_word":4158,"end_word":4179,"intents":[{"intent":"Research strategy","confidence_score":0.3872556}]},{"text":"And that looks good as long I mean, we had a bit of a decline there, but it's majority of it's going is trending upwards, so that's good. Just Exactly.","start_word":4197,"end_word":4226,"intents":[{"intent":"Explain market trends","confidence_score":0.007461023}]},{"text":"So that basically just shows you break down your insurance again in more detail. Just let you know that's Right. all paid and up to date, essentially. So we send it so this only has just changed, hasn't it? Yes.","start_word":4310,"end_word":4349,"intents":[{"intent":"Report insurance changes","confidence_score":0.013118688}]},{"text":"So this one here will ask for your signature if you are happy to do so. There's no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. Yep.","start_word":4577,"end_word":4612,"intents":[{"intent":"Activate documents","confidence_score":0.00024626436}]},{"text":"When is normally a best time for you? Is it kind of late afternoon that's Yeah. It's around most the same suitable? time.","start_word":4764,"end_word":4786,"intents":[{"intent":"Schedule a meeting","confidence_score":0.031965237}]}]},"sentiments":{"segments":[{"text":"Hello. Lisa speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.06377001106739044},{"text":"Good afternoon.","start_word":3,"end_word":4,"sentiment":"positive","sentiment_score":0.38256025314331055},{"text":"This is Ranka from ICU Financial. How are you?","start_word":5,"end_word":13,"sentiment":"neutral","sentiment_score":0.30211886763572693},{"text":"Oh, I am good. Thank you. Yourself? Yeah. I'm good. Thanks.","start_word":14,"end_word":24,"sentiment":"positive","sentiment_score":0.5571455359458923},{"text":"I had you booked in to go over your interview. Is now still a good time, or you're a little Yes. bit busy? No. How long will it take? Probably about half an hour or so, usually. Okay. Then that's not that's fine. That's fine? Okay. Yep. Perfect. I can try to make it a little bit quicker if you have to go somewhere. Yeah. That's alright. I'm just in the middle of an appointment, so that's okay. Okay. All good. Okay. Sure. So now is fine. Okay.","start_word":25,"end_word":112,"sentiment":"neutral","sentiment_score":0.07900937646627426},{"text":"Perfect. Perfect. I'll try to make it quick for you.","start_word":113,"end_word":122,"sentiment":"positive","sentiment_score":0.37580928206443787},{"text":"But before I do jump in, I do need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine.","start_word":123,"end_word":152,"sentiment":"neutral","sentiment_score":0.0957338884472847},{"text":"Perfect.","start_word":153,"end_word":153,"sentiment":"positive","sentiment_score":0.34581103920936584},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just Mhmm. get you to confirm your full name, date of birth, and address, please? Yes. So it's Lisa, l e e s a, Hill, h I l l. Thirty first of the fifth nineteen sixty eight. And Yep. my new address did you want my address? Yes, please. Yep. So I did update that. 17 Clifford Court Seaford, South Australia 5159. Yep.","start_word":154,"end_word":235,"sentiment":"neutral","sentiment_score":0.06420254707336426},{"text":"Perfect. And I have your updated address, which is great.","start_word":236,"end_word":245,"sentiment":"positive","sentiment_score":0.5028106570243835},{"text":"Now before I do kind of jump into things, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a catch up and kind of see where everything's at. Yeah. So, basically, I just need to know where everything is at, what it's Yep. you know, what my the end when I do retire, you know, Yep. how's that tracking with what I get and the options of, you know, when I can retire, how that works, Yep. all the standard things that I spoke to everyone about Yeah. last time. Yeah.","start_word":246,"end_word":365,"sentiment":"neutral","sentiment_score":0.04570340489347776},{"text":"No problem. We can definitely do that.","start_word":366,"end_word":372,"sentiment":"positive","sentiment_score":0.5528432130813599},{"text":"And we can always do a bit of an updated statement of advice for you and kind of seeing how everything is tracking at the moment Yep. and kind of where you would be at if everything kind of stays the same. Obviously, there's been a bit of market fluctuations the last twelve months as well, so it might be good to kind of do a bit of a reassess just to see where everything Yep. is at for That you. would be good. Yes, please.","start_word":373,"end_word":458,"sentiment":"neutral","sentiment_score":0.12089114636182784},{"text":"Yeah. Perfect.","start_word":459,"end_word":460,"sentiment":"positive","sentiment_score":0.5303456783294678},{"text":"And now, obviously, thinking about retirement, with the current legislation, if you decide to stop working, you can access all your super completely tax free at 60 Mhmm. if you Alright. retire. Okay. Right. Okay. If Yep. you decide to keep working, or if that's part time, full time, whatever capacity it might be Yep. Yep. You can access up to 10% of your super balance under something that is called a transition to retirement. Oh, yes. And I know about that.","start_word":461,"end_word":542,"sentiment":"neutral","sentiment_score":0.15774230659008026},{"text":"that's Yep. beautiful.","start_word":543,"end_word":545,"sentiment":"positive","sentiment_score":0.3821904063224793},{"text":"And that is between 60 and 65. Yep. After 65, you could do whatever you want. Essentially. Yay. Get another Yeah. seven years. Woo hoo. So So the are question you that I yeah. sorry. The question I have on that is that if I retire, Yes. whether it be 65 or 60 or whatever, can I still get the age pension? Is that is the super means tested? It is factored in. It's not till 67, though. So that is Right. kind of Okay. the thing That's to what be I. mindful of. Yep. Yeah. Yep. Yeah. That's So what I need to know. yes. So that will be 67. So you can take everything and do what you want if you stop working at 60. Obviously, Mhmm. just be mindful that each pension, if you're eligible, would not kick in until '67. '67. And then that, obviously, with the super, if I then Yes. take that out, whatever's in my bank account is mean tested, isn't it? Yes. Exactly. Right. Yes. And can I would it be feasible then, you know, to have installments on my super instead of having it all in the bank? Yes. Sorry. That's what a lot of people do as well, Yep. is that they draw an income. So instead of What? having, because it's age pension, it also factors in, like, income and stuff. Yep. But what Yep. I can do so part of the research is that I can kind of make assumptions based on your current position. If you are when you turn 67 and the way, obviously, super and stuff will be tracking, if Yep. you would be eligible for age pension and kind of how Right. that would look like. So I can Yeah. include all of that as a bit of a a guide for you if you would like.","start_word":546,"end_word":858,"sentiment":"neutral","sentiment_score":0.0574283908469418},{"text":"That would be good because, you know, Yep.","start_word":859,"end_word":866,"sentiment":"positive","sentiment_score":0.3896657824516296},{"text":"58. Yep. If I am looking to retire at 67, the next five, six years would be what do I need to do to bulk my super up, what does Mhmm. that Yes. look like, and what options I have. Yes. Yep.","start_word":867,"end_word":908,"sentiment":"neutral","sentiment_score":0.11932560056447984},{"text":"Perfect.","start_word":909,"end_word":909,"sentiment":"positive","sentiment_score":0.5682562589645386},{"text":"And when it comes through that transition to retirement, that is really tax effective as well.","start_word":910,"end_word":925,"sentiment":"neutral","sentiment_score":0.33217811584472656},{"text":"Oh, good. It's more tax effective the higher income you you earn.","start_word":926,"end_word":937,"sentiment":"positive","sentiment_score":0.3859562575817108},{"text":"Yep. Mhmm. But that is also something that when you do turn 60 that we can have Have a a a look bit of at a look, yeah, yeah. No. That would be which perfect.","start_word":938,"end_word":972,"sentiment":"neutral","sentiment_score":0.06027495115995407},{"text":"is really good.","start_word":973,"end_word":975,"sentiment":"positive","sentiment_score":0.42754507064819336},{"text":"So I'll Yep. make a little Okay. note of that. Otherwise, you would be planning on taking super at 67, do you think, or do you think 60 Well, five? Ideally. if I can't, ideally, probably Mhmm. 67 because, I mean, 60 obviously, seven. that's going to Mhmm. be worse my lawn or otherwise, I'll take my super Yeah. at 65 and then have to wait two years to get the paint I'd rather see Yes. what my options are before I make Yep. that choice. But 60 Yep. 7 from the sounds of it sounds like a better Like option.","start_word":976,"end_word":1076,"sentiment":"neutral","sentiment_score":-0.021806733959382124},{"text":"a good yep. Alright. Perfect. I'll factor in 67.","start_word":1077,"end_word":1085,"sentiment":"positive","sentiment_score":0.45535925030708313},{"text":"And, yes, you most certainly can do it as an income stream, like a pension payment. Yeah. Yep. Yep. A lot of people do it that way Yeah. just because then that way it's easier to kind of, I guess, manage and control Yep. than get a lump sum in your bank account. And then you might go and spend it a little bit, Yeah. and Exactly then you're like, right. oh And goodness. then I'll yeah. No. So I think yeah. Yeah. No. yeah. That'd be good.","start_word":1086,"end_word":1173,"sentiment":"neutral","sentiment_score":0.15645943582057953},{"text":"That'd be good.","start_word":1174,"end_word":1176,"sentiment":"positive","sentiment_score":0.39683008193969727},{"text":"And you can change that whenever you want to anyway. So Okay. if it is that you do an income and you some emergency come up and you need a little bit more, we can always reassess that for you. Okay.","start_word":1177,"end_word":1217,"sentiment":"neutral","sentiment_score":0.08233541995286942},{"text":"Perfect. Thank you.","start_word":1218,"end_word":1220,"sentiment":"positive","sentiment_score":0.520224392414093},{"text":"Yeah. No worries. Now with the calculations as well, I do kinda factor in that when you do turn 67, kind of an ideal income that you would need to sustain your retirement, cover bills and expenses, and everything like that. Yep. Yep. I have here about a thousand dollars a week. Is that still kind of achievable for you, or do you think Well, you again need more again, or less? if I'm looking at doing it as, like, an allowance or a wage or whatever Mhmm. you wanna call it Yes. when I'm 67, then, obviously, Yep. I would take into account what I get from the pension and then Yes. top it up to what I need from my super because I would imagine that that would be that would last longer. Yes. And if Yeah. how much combined would you if you were to say I right now, do you think you'd need? well, I probably would need around about $1,000 a week Mhmm. at the Okay. this stage. I mean, obviously, that's going to change potentially. Yes. Yep. But right now, if we're looking at the fees, yeah, it'd be about 1,000 a week. Okay.","start_word":1221,"end_word":1420,"sentiment":"neutral","sentiment_score":0.07270849960856139},{"text":"Perfect.","start_word":1421,"end_word":1421,"sentiment":"positive","sentiment_score":0.4877752363681793},{"text":"Now I will factor that in for you. And what I will do as well is just to kind of run through just a bit of an updated fact fund with you just Yep. to see if there's anything else that's changed that we need to kinda factor in through the advice Okay. for you. So bear with me. I'll try to go through this quickly Yep. That's with okay. you.","start_word":1422,"end_word":1492,"sentiment":"neutral","sentiment_score":0.10966278612613678},{"text":"All good.","start_word":1493,"end_word":1494,"sentiment":"positive","sentiment_score":0.3783368766307831},{"text":"Now personal information, I have you down here as single with no financial dependent. Your Correct. son's a bit older. Is that correct? Yeah. He's turned Yep. 25 yesterday. So yeah. Oh, nice. Did you guys do anything fun? Yeah. We just had dinner and, you Yeah. know yeah.","start_word":1495,"end_word":1543,"sentiment":"neutral","sentiment_score":0.11891639232635498},{"text":"That was nice.","start_word":1544,"end_word":1546,"sentiment":"positive","sentiment_score":0.4825226068496704},{"text":"Yeah.","start_word":1547,"end_word":1547,"sentiment":"neutral","sentiment_score":0.30605068802833557},{"text":"Beautiful.","start_word":1548,"end_word":1548,"sentiment":"positive","sentiment_score":0.5244525671005249},{"text":"I also have him down as next of kin if something ever Correct. were to happen to you.","start_word":1549,"end_word":1566,"sentiment":"neutral","sentiment_score":0.128717839717865},{"text":"Beautiful.","start_word":1567,"end_word":1567,"sentiment":"positive","sentiment_score":0.3396472930908203},{"text":"Yep. And also for beneficiary. So receiving Yes. your super and stuff if something were to happen to you. Absolutely. Yep. Yep. Great. Now employment wise, has Mhmm. any of that changed for you in No. the last twelve months? Perfect. No. So still business manager, Yep. full time. Yep. I have income at around 105,000. Is that still the case, or has that changed a bit? Well, I mean, no. Not really. I mean, we did have a pretty hefty CPI increase. But, yeah, it's around about a 105. Around a 100 Yeah. and Yeah. Yeah? That hasn't changed. Okay. And they just pay that standard 12% contribution into super. There's no, like yep. Perfect. And are you making any additional contributions to Yep. super? No. But that's Right. like I said, it's for as I you know, next sort of like if Yep. I'm looking at '67, I mean, Yep. you know, in the next, say, five, ten years, I would be wanting to see what I can do to top it Yep. up perhaps and how that would Yep. look like. Yeah. Right. And this is kind of this will be a good kind of starting point to be like, okay. Where are things at now? How Yeah. are we looking? And then Yeah. you can obviously assess. And then, obviously, next under review, we could always look at, okay. Well, do we need to look at doing some top up, or what does it look like, or are Yeah. you on tracking Yeah. pretty well? Yeah. Because I was looking to do start the conversations and then, you know, when I turn 60, I've got that seven years sorta Yes. like Okay. less what I Yes. need to do in that seven years. Yeah. Yep.","start_word":1568,"end_word":1866,"sentiment":"neutral","sentiment_score":0.045884723921483975},{"text":"Perfect.","start_word":1867,"end_word":1867,"sentiment":"positive","sentiment_score":0.4137051105499267},{"text":"I'll Yep. make a little note so when you turn 60, and then we can always reassess where Yeah. everything's at for you. Yeah. No. That's fine. Now assets and liability wise, Mhmm. I have That's here changed. I okay. So Yep. what's where is everything at at the moment? So I've bought a house. I'm Oh, not renting nice. anymore. Yeah. That's good. And how much is that one worth? Market or what I paid? Market would be good. So, like, Oh, if you were to sell lord. it tomorrow, what would it be worth? Oh my god. It'd probably be around the 900,000 mark Perfect. at current And rates they are now. yes. Okay. Yep. Perfect. And mortgage attached to it? There's only 200,000 there.","start_word":1868,"end_word":1994,"sentiment":"neutral","sentiment_score":0.02341789193451405},{"text":"Oh, beautiful. That's nice.","start_word":1995,"end_word":1998,"sentiment":"positive","sentiment_score":0.493786484003067},{"text":"And motor vehicle? No. I have a oh, well, I do have a car. I do have a company car, Mhmm. but I do have my son drives my car. Okay. But that's only yeah. That wouldn't if I sold it today, I'd probably get about $78 for it. Yep.","start_word":1999,"end_word":2048,"sentiment":"neutral","sentiment_score":-0.004722484052181244},{"text":"Perfect.","start_word":2049,"end_word":2049,"sentiment":"positive","sentiment_score":0.35728925466537476},{"text":"Yeah. Yeah. I think it's the same one we have here. We had seven Yeah. Yeah. with nothing owing on that No. Correct. one. No. Perfect. Any other changes to your assets? No. Not no. Nope. Nope. Nope. Okay. Any savings in the banks or anything else I need to consider? Yes. So that's changed. So I've got about 15,000 sitting in my savings at Mhmm. the moment. Okay. Perfect. Yep.","start_word":2050,"end_word":2120,"sentiment":"neutral","sentiment_score":0.03394593298435211},{"text":"That's good.","start_word":2121,"end_word":2122,"sentiment":"positive","sentiment_score":0.39674851298332214},{"text":"Any other liabilities, like personal loans, credit card, pay? No. No? No. No. Okay. Great. Oh, I have a credit card, and I there's about $2 on it. I don't have anything else. It's I Yep. only use that for emergencies, so that just sits there. Yeah. Okay.","start_word":2123,"end_word":2170,"sentiment":"neutral","sentiment_score":0.03747977688908577},{"text":"Perfect. That's good.","start_word":2171,"end_word":2173,"sentiment":"positive","sentiment_score":0.38497647643089294},{"text":"And that was just about $22, did you say? Yeah. Yep. Yeah. No worries. Now health and lifestyle, I have Mhmm. you done here just as a social smoker, if that's the case? Correct. Yes. Yep. And And have in you saying that, had I probably haven't had one in the last well, actually, I can't say that. So probably, yeah, dad passed That's in okay. October last year. So I'm there sorry was to a time hear. where I was smoking a little bit more heavier. Yeah. That was a bit emotional. Yes. But yeah. Look. Other than that, I for the last two, three months, I probably haven't had any. Okay. Yeah. Yeah. No. That is all good. And have you had any changes to your health otherwise? Any health issues No. No. or injuries? All No. the same. Quite boring. Great.","start_word":2174,"end_word":2317,"sentiment":"neutral","sentiment_score":-0.05070608109235763},{"text":"That's good, though.","start_word":2318,"end_word":2320,"sentiment":"positive","sentiment_score":0.370295137166977},{"text":"I I know like it is that. good. When it comes to health, people are like, no. I'm healthy. I'm like, yes.","start_word":2321,"end_word":2342,"sentiment":"neutral","sentiment_score":0.13922405513850125},{"text":"Good.","start_word":2343,"end_word":2343,"sentiment":"positive","sentiment_score":0.4878868460655213},{"text":"And do you have private health insurance? Yes. I do. Yes.","start_word":2344,"end_word":2354,"sentiment":"neutral","sentiment_score":0.12600889801979065},{"text":"Okay. Perfect.","start_word":2355,"end_word":2356,"sentiment":"positive","sentiment_score":0.49329498410224915},{"text":"Now estate planning wise, do you have a will or power of attorney or anything like that in I don't place? have a power of attorney. I do have a will, Nope. Okay. and my son, obviously, is everything goes to him. He yeah. Yep. There's nobody else. So yep. Yep.","start_word":2357,"end_word":2407,"sentiment":"neutral","sentiment_score":0.05505829676985741},{"text":"Okay. Perfect.","start_word":2408,"end_word":2409,"sentiment":"positive","sentiment_score":0.42984694242477417},{"text":"Otherwise, I guess, when it comes to other goals and stuff that you are working towards, obviously, aside from getting a bit more kind of insight on superannuation and then when you turn 60, looking at Yep. potentially different strategies depending on where things are at.","start_word":2410,"end_word":2455,"sentiment":"neutral","sentiment_score":0.15127980709075928},{"text":"Obviously, last time we spoke, your main focus was to buy a property, which you have done, which is great.","start_word":2456,"end_word":2475,"sentiment":"positive","sentiment_score":0.4558718800544739},{"text":"Yes. So do you have anything else at the moment that you are kind of working towards in the next couple of years, or is it mainly for, like, retirement It's more like retirement planning? planning now Mhmm. Yep. because I you know, I've only got a small mortgage that, you know, can make extra contributions and everything for. Yep. I'm planning to have have that pay that 200,000 paid off in the next seven years. So that should be that should fall just before I retire. Yep. So that's Yep. my planning. Yep. But other than that, no. Nothing. You know, it's just Yep. more that transition to retirement. Yep. No. Perfect. So with your superannuation as well, we usually go through just a bit of an updated risk profile questionnaire you Yep. would know Yep. from last time just to Yep. see if there is anything that has changed with your risk tolerance if we also need to make any changes. Yep. So I guess when it comes to how much risk you are currently comfortable taking for your superannuation, Mhmm. would you say that you are willing to accept very high risk, high moderate, or a small amount of risk? I think I'll leave it the same as what I did last update. Yep. Okay. Because whenever I get my statements, it seems to be Mhmm. tracking okay. However, the Yes. last one was a little bit low, but that's, Yep. you know, that's expected in the current financial market and everything happening in the world. So Yes.","start_word":2476,"end_word":2736,"sentiment":"neutral","sentiment_score":0.03637800820999675},{"text":"I'm quite happy with the risk that I'm taking Okay.","start_word":2737,"end_word":2746,"sentiment":"positive","sentiment_score":0.5008681416511536},{"text":"now. Yep. Yeah. Yeah.","start_word":2747,"end_word":2750,"sentiment":"neutral","sentiment_score":0.25488582253456116},{"text":"Okay. Perfect. And you are in a good spot where you are in that balanced growth portfolio Yes.","start_word":2751,"end_word":2768,"sentiment":"positive","sentiment_score":0.464248925447464},{"text":"Yes. where you have a good com like, you're still focusing on growing, Yep. but you do have that conservative element through the portfolio as well. Yeah. And I think I'd like to keep that, Yes. especially yeah. You know, in this day and age. Yes. Yep. No.","start_word":2769,"end_word":2816,"sentiment":"neutral","sentiment_score":0.23744122684001925},{"text":"And I think that's that's really good.","start_word":2817,"end_word":2823,"sentiment":"positive","sentiment_score":0.4204983115196228},{"text":"So we will leave your balance growth. Now, Lisa, do you have access to your emails at the moment? Yeah. I'll I can access it through my phone. That's fine. Okay. Yes. If you can, that would be good because I have sent you an email with a couple of documents to kind of run through with you Yep. if you can Sure. get those up. Let's just get that up now. So did you just send that through? Yes. Just when I just when you answer the phone. And is that a signature request? Phone. Yes. Yep. So Okay. it has changed slightly from last year, the software. It's kind of the same, though, where it will ask you to click on the link. Yep. It will allow you to open up and look at everything first, though, before it Yep. prompts you to sign anything just to make sure you are happy first. Alright. So I've got annual Yes. review. So I it's only giving me the option to sign the document. If you Where do click I on sign, does yep. it then open up, like, a super and insurance summary? Yes. It does. Yes. Okay.","start_word":2824,"end_word":3022,"sentiment":"neutral","sentiment_score":0.09119608253240584},{"text":"Perfect. That's good.","start_word":3023,"end_word":3025,"sentiment":"positive","sentiment_score":0.5100669860839844},{"text":"So with your super and insurance, you can see here that you do have your superannuation with hub twenty four, and you do have about $207,687 in there.","start_word":3026,"end_word":3053,"sentiment":"neutral","sentiment_score":0.2914971709251404},{"text":"Perfect.","start_word":3054,"end_word":3054,"sentiment":"positive","sentiment_score":0.7941367626190186},{"text":"And then you also have a income protection policy, Yes. I and that would pay you a monthly amount of 6,092. You have that ninety day waiting period, five year yep. benefit period. You get a little tax rebate because it's paid from within super, Yep. and it's about 2,400 Yeah. and 12. So just going back there with the hub 20 Mhmm. four, I had Yes. did have to ring them today. Okay. I got a notification from my payroll that Yes. the contributions were bouncing back. They weren't. Yes. Yeah. So I rang Hub, and Mhmm. apparently, there's something wrong with their system. Yes. So we had quite a few clients yesterday as well Right. with that exact same issue. So you were Yeah. not the only one. A lot of people Right. had had issues. Yep.","start_word":3055,"end_word":3193,"sentiment":"neutral","sentiment_score":0.05052283033728599},{"text":"So at least I'm glad that you got an answer.","start_word":3194,"end_word":3203,"sentiment":"positive","sentiment_score":0.4944247007369995},{"text":"Phone them. If you do have any issues, you can always just call us as well if it's easier because sometimes the wait to have 24 and and stuff can be a little bit longer. Well, yeah. That was my concern because then that was yesterday. And then today, I received a letter from the AGO. And what was that in That regards was to? that was regard to the super. Mhmm. And they were advising that no super was that my company had not put my super in weekly, so obviously, they're monitoring it. But when I spoke to Hub twenty four, Yes. they said, oh, don't worry about that. They have they, you know, intend to have it up and running as soon as possible. And I went, well, how long is that? Yes. Let let me log in to your account right now and see. But, yes, we had a lot of people yesterday. We Okay. I haven't had anyone having any issues today. But let me log in to your account, and I can see if it's dropped there. But, yeah, we had a lot of clients yesterday having the same thing. Payroll had a bit of an issue with processing, and it was Yep. just like a back end or with hub twenty four. And they advised us as well that that should have been resolved and shouldn't be any issues moving forward and that Yep. all Yep. the contributions have been received. But let me just triple check your account as well just to that make sure that's the case. Just bear with me. Now it doesn't look like it's coming to your account yet. Right. I will make a note, and I will get the team to have a look tomorrow morning just because they do have they have shut today No. That's okay. And keep an eye on it. And Yep. if it hasn't dropped by tomorrow, to give them to give Hub twenty four a follow-up call because they told us That that would it be should good. have been sorted. Yeah. Yep. And then I'll get them through do you want them to give you a quick call or text or email? What do you prefer? Yeah. If you can get them to give me a quick call because I Yep. would like to know if it's been sorted Yes. Because otherwise, I'm just gonna have my company on the phone and be going, what's going on? Yes. Yep. Yep. Yep.","start_word":3204,"end_word":3624,"sentiment":"neutral","sentiment_score":0.014855953205527291},{"text":"Perfect.","start_word":3625,"end_word":3625,"sentiment":"positive","sentiment_score":0.4267427921295166},{"text":"Now I'll make a little note for the team to have a look at that first thing tomorrow when they open, see if Yep. it's dropped in your account. And if not, call Hub twenty four and query what is happening because, yeah, they said everything should have been sorted by now. And I'll get them to give you a quick call as soon as they've heard back from Hub twenty four as well just to give you that update. Okay. Yep.","start_word":3626,"end_word":3707,"sentiment":"neutral","sentiment_score":0.15221965312957764},{"text":"Then that'll be great.","start_word":3708,"end_word":3711,"sentiment":"positive","sentiment_score":0.5657262802124023},{"text":"Yep.","start_word":3712,"end_word":3712,"sentiment":"neutral","sentiment_score":0.2819828987121582},{"text":"Perfect.","start_word":3713,"end_word":3713,"sentiment":"positive","sentiment_score":0.43060246109962463},{"text":"Now when it comes to your insurances, obviously, you don't have a life or total permanent disability. You're still comfortable just for that income protection? Yeah. I think I would be okay if that yeah. Maybe next year, I'll change it up. Maybe, you know, but right now, yeah, I think I'm fine.","start_word":3714,"end_word":3766,"sentiment":"neutral","sentiment_score":0.08825130648208114},{"text":"Perfect. Okay. Perfect.","start_word":3767,"end_word":3769,"sentiment":"positive","sentiment_score":0.5211755037307739},{"text":"Now the next document Yep. should be a performance report with hub twenty four. Yep. Yep.","start_word":3770,"end_word":3785,"sentiment":"neutral","sentiment_score":0.1759076714515686},{"text":"Perfect.","start_word":3786,"end_word":3786,"sentiment":"positive","sentiment_score":0.3790585696697235},{"text":"Now this might look a little bit messy if you are looking on the phone, but, essentially, it breaks down all your individual investments, Yep. how they have performed, and how much you have in each investment option. Now Yes. this is over a twelve month period as well. Right. So, Okay. yeah, so kind of like you touched on, obviously, we have seen a bit of market fluctuation the last twelve months with everything going on in The US. Yep. And, obviously, Yep. with the war and stuff like that, there has been a bit of fluctuation. In saying that, though, your portfolio has still done pretty good considering. Mhmm. So Yep. It has, looking at it that considering. way. Mhmm. So Yep. when you're looking at a total, Yeah. after fees, it's still gone up by 5.57%, Five percent. Yep. Okay. which is about 15,250, and that is just from your investment earnings. Like, it's not contributions. Oh, good. Yep. Yeah. Now when you have a look at the second column to the right for me, it should Yep. say One internal second. rate of return. Yep. Yep. Yes. Got it. So this breaks down how each and every single one of the individual investment have performed. Wow. What's the thirty eight percent one? That is lithium. ACDG. So that one is Wow. a Okay. battery pack in lithium. So, obviously, Yep. a few prices, electric vehicles, gone through the roof. Yep. It has. Now the one at the top that has bracket next to it, that is underperforming a little bit at the moment, which is Yes. your Ben That's and a Long Australian twenty five. Equity. Correct. Then along the Saudi Equity Fund. Yep. So yeah. So this is the one I would I'll reassess all the investments anyway just to make sure, but that Benelon particular is one that I would like to potentially look at changing for you, Okay. especially Yep. because recently, they've been a little bit slower in making those investment decisions. And if there are any better options out there for you moving forward, then we obviously wanna be proactive with Yep.","start_word":3787,"end_word":4147,"sentiment":"neutral","sentiment_score":0.027709567140261553},{"text":"Perfect. that. Yep. I'm happy with that. So yep. Perfect.","start_word":4148,"end_word":4157,"sentiment":"positive","sentiment_score":0.5270309448242188},{"text":"So I'll do some research for you and then include kind of everything in that strategy that we can go through together. Now next document should just be your ascender certificate of currency, I Yep. believe. Yep. Yep. Yep. And that looks good as long I mean, we had a bit of a decline there, but it's majority of it's going is trending upwards, so that's good. Just Exactly. Yes. And and, obviously, with the market and everything, things will fluctuate a little bit, Yeah. and that's just kind of the nature. But but given everything, it's still done pretty good, especially considering when you are in that balanced growth portfolio, having that little bit conservative element as well. So quite Yeah.","start_word":4158,"end_word":4279,"sentiment":"neutral","sentiment_score":0.14651624858379364},{"text":"happy with Perfect.","start_word":4280,"end_word":4282,"sentiment":"positive","sentiment_score":0.34641897678375244},{"text":"that, but I do wanna have a bit of a reassessment. Now next documents, what is that one that you can Ascender. see, Lisa? Ascender. Yes. Yep. So that basically just shows you break down your insurance again in more detail. Just let you know that's Right. all paid and up to date, essentially. So we send it so this only has just changed, hasn't it? Yes. It used to be Yep. MLC. That's right. Yep. Yes. Yep. Okay. Then move over. Your insurance didn't change, though. It's it's the same. It's just another Yep. company that took over Okay. from it. Perfect. Yes. Now next one, is that your Vanguard index chart? Yep. Yeah. And you've seen something like this before? Yes. Yeah.","start_word":4283,"end_word":4406,"sentiment":"neutral","sentiment_score":0.03941409181683294},{"text":"Perfect. Basically, we include it because it is a good visual representation of what we are talking about when we're talking about the market.","start_word":4407,"end_word":4430,"sentiment":"positive","sentiment_score":0.4608348608016968},{"text":"Yep. Vanguard does release one every year as well. So the next one is due to come out any minutes now because they release it at the end of their financial year. So it should be out soon, but it just kind of shows you a bit of an update on the different asset classes and how they have kind of performed over time. Okay. Okay. Not a problem. Yep. Now next one should be your overview services guide. Yep. Yep. Yep. Again, you probably have seen this one a few times Yeah. before. It is That's one of those fine. compliance documents, but all Yep. the important information is in there if you do wanna have a bit of a read over it, which then should take us through the last document, which is your ongoing service agreement with hub Yep. '24. Yep. Yep.","start_word":4431,"end_word":4575,"sentiment":"neutral","sentiment_score":0.14099624752998352},{"text":"Perfect.","start_word":4576,"end_word":4576,"sentiment":"positive","sentiment_score":0.4232197999954224},{"text":"So this one here will ask for your signature if you are happy to do so. There's no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. Yep. No Yep. changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is Yep. not a lock in contract. But by signing this, otherwise, it just allows us to manage all your investments and everything for you in the meantime. Okay. So I've just signed that and I just Yep. oh, okay. So the date's already in there. Yep. Validate Yep.","start_word":4577,"end_word":4688,"sentiment":"neutral","sentiment_score":0.09100696444511414},{"text":"Beautiful.","start_word":4689,"end_word":4689,"sentiment":"positive","sentiment_score":0.4397340416908264},{"text":"and then we are loading. It's taking a while to load.","start_word":4690,"end_word":4700,"sentiment":"neutral","sentiment_score":0.07065047323703766},{"text":"So That's all good.","start_word":4701,"end_word":4704,"sentiment":"positive","sentiment_score":0.3492417633533478},{"text":"While I wait for that to load, while I have you on the phone, we'll book Yep. in the the catch up for us for me to go through the research with you Yep. just while I have you. Now it will take me about a week or so to put it all together. That's okay. That's fine. When is normally a best time for you? Is it kind of late afternoon that's Yeah. It's around most the same suitable? time. Yeah. Okay. Yep. Yep. Alright. Let me have a look. So Doesn't matter what day as long as it's okay. around this time. Yeah. I Mornings could do are no. a That's all good. bit I can do same busy. time. So 04:30 your time, 05:00 my time Yep. on Thursday, August 13, Yep. or That's fine. Monday, the tenth? No. The No? same. Thursday would be great. Okay. Perfect. Yep. So Thursday, not Wednesday? That's fine? Yeah. That's fine. Yes. Okay. So not Perfect. next Thursday, the Thursday after. Yep. Yes. That's Yeah. Perfect. fine. Alright. I will lock that in. Now if anything does change for you and you can't make it, just let me know, and I can see Yep. if I can always shuffle a few things around or we get you rescheduled. Perfect. That is no problem. But, otherwise, I will give you a call on Thursday, August 13, which is Yep. crazy. You know, it's August already. I know. Tell me about it. And that will be our 04:30 your time. Okay. Do you have any other questions or anything else for me at this point before I let you go? No. I think we've been you've been really good at the moment. Obviously, there'll be more questions Yes. coming And more up. information So as well yeah. with Once with I the get strategy. that other stuff. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's fine. So I've got you in for Thursday, August 13 at is it did you say four hours? Oh, 04:30 my time. 04:30 your time, which Yep. is 05:00 my time. Yep. So basically same as today. Yep. Done. Yep.","start_word":4705,"end_word":5066,"sentiment":"neutral","sentiment_score":0.05482968605684312},{"text":"Great. Beautiful. Excellent. Well, I will let you go.","start_word":5067,"end_word":5075,"sentiment":"positive","sentiment_score":0.5245347023010254},{"text":"Hopefully, you're not too late to everything No. That's you have okay. to do today. No. That's okay. It's just a training session, but I've got I still got ten minutes.","start_word":5076,"end_word":5106,"sentiment":"neutral","sentiment_score":0.05516895279288292},{"text":"Woo hoo.","start_word":5107,"end_word":5108,"sentiment":"positive","sentiment_score":0.5464301109313965},{"text":"Okay.","start_word":5109,"end_word":5109,"sentiment":"neutral","sentiment_score":0.31921303272247314},{"text":"But beautiful. Okay. I will let Excellent. you go. I look forward to speaking with you on Thursday, the thirteenth. Excellent. Thank you, Mhmm. Veronica.","start_word":5110,"end_word":5134,"sentiment":"positive","sentiment_score":0.574387788772583},{"text":"No worries. We'll speak soon. No worries. Bye. Bye.","start_word":5135,"end_word":5143,"sentiment":"neutral","sentiment_score":0.22070667147636416}],"average":{"sentiment":"neutral","sentiment_score":0.08912477181493125}}}}