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Yep. No. That's absolutely fine. Natalie, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay for us to proceed with that? Beautiful. And just to do security there with you as well, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file. Yes, please. Yeah. Yep. Lovely. Thank you so much for that. How's everything been going for you? How's the start of the New Year? Yep. Is he? Yep. Yeah. Yeah. Yep. Alright. Fantastic. Well, it's good to hear. I know it has been extremely busy for you. I know you are very busy and probably still working today, so I'll try not to take up too much of your time. But I know you completed your annual review late last year with my colleagues, they mentioned that you had some questions. Wanted to maybe look at reviewing your super and reviewing your circumstances. Is that right? Mhmm. Yep. No. That's okay. So the main sort of difference with the Australian is that and I can have a look at what they have been reporting as the returns on their per portfolios. But, essentially, returns are individual. When you do look at what the portfolios in in the industry funds are reporting, they are giving you a gross reporting on their website. It could be very different to what you are getting internally. One of the main sort of differences with being within Netwealth or one of the adviser platforms that we tend to advise on is that we can give you more personalized returns on your portfolio, review things with you. Another sort of advantage to what we do over the industry funds is that the industry funds have very much limited access to investments Because they have such large funds, they have to outsource to investment managers to be able to invest. They do have a limited amount of investment options to be able to choose from. So it does sort of limit what you're able to invest in if there's something that sort of suits yourself or something you wanted to look at. Whereas with our with us and looking at these portfolios like Netwealth, Hub24, and those sort of things, we get access to thousands of different investment options. So we can build portfolios that are working for you, but we can also look at individual cases. And if there's something that interests you or you wanna see your money invested in, we can always alter portfolios to reflect that for you as well. But at the at the end of the day, like, if you're not comfortable staying on board, you would like to go back to an industry super fund, that is absolutely fine. You just let us know. We can turn our fees off and help you roll back. There is no problem with that whatsoever. And you're never locked into any contracts with us either. So it is completely up to you, your personal preference, and certainly what you wanna achieve moving forward there as well. Yeah. Yeah. Correct. Definitely. Yeah. If you just wanted to be in a low cost fund where no one's really sort of reviewing the portfolio where it just sort of sits is in, like, a default fund and it just look at it every so often when you're comfortable sort of looking at things, you can absolutely, you know, be in an industry fund. There is nothing wrong with that whatsoever. With having a financial adviser and being one of our mutual clients, we wanna make sure you're getting value for it. So we do wanna do catch ups with you. We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services. It's also not just about super. It's about looking towards your retirement and any other goals that you might have as well. So we can give you access to mortgage brokers if you were looking to, you know, alter or change your mortgage structure or, you know, buy a new property or something like that. We can look at and provide additional advice around investing outside of super. But one of my main sort of goals here is helping you work towards with your super work towards your retirement, so looking at what your retirement what you want it to look like, how we can help you to get there, keep you on track to do that, and review the portfolios, review your risk level, and just make sure you're invested correctly and that your investments remain working for you, if that makes sense. Yeah. No. Definitely not. No. No. I mean, how much you're earning does have an impact on the contributions that you have going into your super fund. But, you know, at the end of the day, the retirement aspect, I've got clients who are on very little incomes who are putting more money into super and making it work harder for them. I've got clients with higher incomes who are not putting in as much, and they might not be getting as bigger return. The other thing that's considered is the returns definitely make a difference as your balance increases too. So if you think about your balance, as it gets bigger, smaller changes to the market fluctuations have a much bigger impact. If you look at maybe a 5% return on someone with $50,000, 5% isn't a great deal more. However, someone with 500,000 getting the same 5% return, there's a much larger difference there. And and, like, our advice doesn't end at the point that you retire. When you get to retirement, you wanna start drawing money out. We provide advice on how to structure that withdrawal. We have access in different structures. So if you're wanting to access Centrelink and you might not, you know, be eligible, we can also change the structures of your super to be able to try and maximize Centrelink eligibility whilst drawing down out of super, gives you longevity. So we just sort of tailor the advice towards your goals and what you're after, which is more of a personal sort of scenario because no one's goals are ever exactly the same. Everyone has different needs and wants. So yeah. Yeah. Yeah. Well, you're right. You yeah. Yeah. So you completed your annual review last year with my colleagues. I believe it might have been Samantha. And, yeah, out of that, she mentioned that you had some questions mostly about whether to stay with us and what our services entail. So kind of like the last question you sort of asked. Yeah. That's okay. Yeah. That's okay. Mhmm. Mhmm. Yeah. No. Yeah. No. Absolutely. I think one of the things we wanna look at with is what is your medium term goals? What are you hoping to achieve? Is super your main priority at the moment or is paying down your mortgage? If I have a look here, I've got down here from your annual review late last year. You noted that paying your house down was one of the bigger priorities that you had sort of in the medium term. Does that still sound like something that's important? Yep. Yep. Having a look I'm so sorry. Yeah. Mhmm. Yep. Yeah. Absolutely. If you like, what I could do for you, Natalie, is I could go back and look at the advice. I could provide a personal advice document which decides or tells you whether we think you should put the money into your mortgage or into your super and the long term effect that that might have for you. Did you want me to update some advice to help you out there? Yep. Per perfect. Not a problem at all. After the call, am I able to grab a copy of your most recent home loan statement? I just sort of need to see the information on how much you owe, what your interest rate is, your your minimum rate payments, and things like that on the home loan statement. If I send you an email after the call, can you email me a copy of one of those? Yep. That's okay. Yep. That's absolutely fine. It takes me a little couple of weeks to put the research together because we are looking at the home loan versus versus putting the money into super and what that sort of entails. Yeah. No. Yeah. No. Not yep. Yep. Yeah. Absolutely. And that's a really good point to bring up. So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path. But, essentially, as an ongoing client of Oakview Financial, you do actually receive additional advice with no extra charge. And, essentially, all you're doing is being an ongoing service client. You do pay us an ongoing service fee every year. It is 1.65% per annum. That is deducted in smaller monthly increments. So our fee is deducted out of your super in smaller monthly amounts, and the idea of a percentage fee is that it fluctuates with the market. It is linked to the performance of your super. So when the market is doing better, when we are seeing greater performance, then our fee is gonna increase slightly. However, when the market does take a dip because we can't control what how markets react, then it means that our fee does go down with it. So our fee is linked to to the market and to your super performance as well. It does sort of mean that we do ask that you do return the annual review pack. I will double check after the call to see if it has been. I'm not able to find that at the moment. I'm so sorry. But I'll I'll I'll obviously go back and I'll just try to the email. I'll just confirm whether that has been returned and signed or not. But it's all we ask because after the annual review, you do return the pack there, sign the ongoing service agreement for us, and we do apply that to the account. You think you yep. Yep. That's okay. Perfect. That's okay. I can double check that for you. But it's important to note that by returning that pack and paying your ongoing service fee, it does entitle you to additional advice there, which is there's no implementation fees or no charges for additional advice currently. Obviously, things could change down the the track there, but this is all inclusive at the moment. So we just wanna make sure we're working harder for you. And there's no locking contract in any way, shape, or form. So if you decide at any point throughout the year that you don't want the advice, you don't want us to sort of manage things, you can just tell us to turn the fees off, and we can help you roll to wherever you want. You're by no means obligated to stay if you're not comfortable and not happy with the services we're providing. Yeah. Yeah. Yep. Yeah. Yeah. Of course. Yeah. You mean, like, the age pension? Yeah. No. It is still a thing. I can safely tell you the age pension is still a thing. It is gonna be very prevalent over the next couple of years. We do have a lot of the baby boomers about to retire, so we do have a lot of people with a very low super balance about to enter retirement. And it is gonna cost taxpayers a lot of money over the next sort of ten years or so, but the age pension with Centrelink and with the government is still a thing. It is still funded by tax payers. They're not in any way, shape, or form at this point in time removing that. However, I'm 41, and I'm personally not banking on there being much in the way they change eligible to me. I think down the track in, you know, twenty or thirty years, they are gonna have to restructure the way it does work, but we are always gonna have to have some sort of backup, some sort of government incentive. Absolutely. Yeah. Yeah. No. That's okay. You can always if you're hearing anything like this that is concerning, please let me know. After the call, I'll email you. That way, you do have my direct email. You're welcome to ask me questions. Part of our services is if you're unsure, you think of something that you might wanna ask, you can email me, call me. I'll book in a time to do a catch up with you and see how things are traveling. If you hear something that's concerning, give me a buzz. Let me know. If I'm not sure, I'll go and find out and and return an email or give you a call and have a chat to you about it. So you can definitely use our services for other aspects or just for a bit of a catch up here and there if you need to as well. But it just comes down to your your your comfort level as well. I don't ever want you to feel like you're being forced to stay here. You definitely do not have to. But I do would like to maybe go back and do some updated advice for you. Let's have a look at what to do with the with the money you've inherited, whether paying down the mortgage is appropriate or whether putting in the super. The advice we provide as well, I'll provide the recommendations to you. We'll go through those together so you can see what I'm recommending, the advantages, the disadvantages, and the risks involved, and then you get to decide whether you take those recommendations. You can decide to take all, some, or none of them so ever. It's all, you know, up to you and how you feel and, yeah, your comfort level. Yeah. Yeah. Yes. Yeah. Sure. Quote's not a problem at all. I will may just go back and update those because the quotes generally only last for about thirty days from the insurers, but that's okay. It won't take as much to update those and send them through. Just to confirm there, Natalie, your income I have is 65,900 per annum. Is that right? Yep. Yeah. No. That's it. Okay. Yep. Yeah. Absolutely. Yeah. Wow. Because you work in your industry's debt collections from what I can see, but you're a hardship support officer. Is that right? Yeah. Absolutely. Oh, wow. Yep. Yeah. That's Absolutely. No. Of course. Yep. Yeah. Yep. Definitely. Definitely. Yeah. No. Absolutely. Do you did you want me to maybe just get you to send me through a copy of a payslip after the call just to sort of reflect the income so we can have a look at that for you? Yep. Yep. Perfect. Easy. Not a problem at all. Now with income protection, not sure if we've kinda gone through before, but you can be covered for up to 70% of your current income if you're off work due to illness or injury. And when we look at income protection, they have what's called waiting periods. This is how long you have to be on a call or have to be off work before you can actually make a claim. Given your circumstances and any sort of sick or long service label, annually that you might have, do you feel like having a shorter waiting period, like, maybe thirty days might be more appropriate, or do you feel like having a longer waiting period might be fine to keep the cost lower for the income protection? What's your thoughts there? Yep. Yeah. Yeah. Definitely. We will review them every year as part of your annual review process. And if you want us to increase, decrease, alter the insurances, we can absolutely help you with that. It's not a problem at all. Yeah. We're we're OQ Financial. So we're the financial advisers. Yep. So we we help you apply for it, but it's applied for through insurance companies. So, like, Neos, MetLife, Zurich, OnePath. But we, essentially, as the financial advisers, go through the application process with you. We're the intermediaries. We make the recommendations and show you all the bits and pieces, and we help you to apply. Yeah. That's correct. Yeah. So you've got your that's okay. It's absolutely fine. So your life and TPD covers through Neos insurance company. Essentially, what would have happened is we would have done the application with you. We go into the portal and monitor everything. So we help you apply for the cover. We're the advisers on the cover. We get notified of any changes to it. We help you review it. We essentially look after and do everything. It's just that the insurance is actually applied for through the insurance company. But we monitor it. We do everything to help you alter it. We are the intermediary. If you had to make a claim, we help you make the claim. We get the paperwork, and we work with you to get the claim processed. So we try to do all the hard work for you to make it easier and be the middle person between yourself and the insurer. Yeah. Yeah. That's okay. Yeah. Yep. Perfect. Yeah. Yep. No worries. Do you think with with the waiting period, you said you were comfortable with a longer waiting period. How long would you be comfortable with? Do you think sixty days of the waiting would be comfortable, or are you comfortable to wait out for ninety days prior to making a claim? The longest? Yep. Yep. Not a problem at all. And with the other thing with income protection is there's a benefit period. It's how long you can be on a claim for. It's really hard because we never know if we're gonna be off work or what the future's gonna hold. But the longer the benefit period, the more expensive the premiums are. You can have the lowest, which is two years, and that essentially means that if you're off work on a claim at the two year mark, if you still can't go back to work, then the claim stops regardless. So you've gotta find other ways to fund your income or go back to work. You can have five years, which is generally a happy medium, being on a claim for up to five years. Most claims are done within a two year period. However, there might be a risk, especially if you're more of an administration worker and works in the office a lot, that then you might be back at work one, two, or three days a week. So getting part from work or and a partial claim. So having a five year benefit period can be kind of a happy medium at lower cost. You're not paying for the all the way up to $8.65 for a benefit period, but it also kinda gives you a little bit of extra protection over that two year time frame. Would you like me to look at that for you and maybe provide a quote? Yeah? That's okay. If you want me to break it down more, if you have questions, please ask. There is no such thing as a silly question, so ask anything that you're thinking. Yeah. No. Yeah. That's a really good question. So for the benefit period, it's how long you can be on a claim for if you're on an income protection claim. A two year benefit period means the claim period is shorter. So if you say, well, after your ninety days, you started your income protection claim, if you are off work for two years, then they'd be assessing whether you can go back to work at that time frame. If for that two if you had a two year benefit period on your income protection policy and at two years, you can't still go back to work, you're still off work and injured or ill, regardless of whether you can go back or not, that benefit stops. With a five year benefit period, you're extending it, so you can be on a income protection claim for up to five years. Most claims are completed within two years. However, there is a short component where the claim the person may have injured themselves or maybe they're off work for longer than two years. That five years doesn't make the the income protection premium more expensive because you're covering yourself for a longer time frame. But there are instances where, say, if you're off work for that two years, something's happened to you. You've broken an arm or a leg or a back or something, and you might be able to go back to work part time. So you may be on a partial claim, which is working a couple of days a week plus getting some money from the claim. But it does cost more to have a longer benefit period because you are trying to cover yourself for a longer time frame. Does that make sense? Yeah. Well Yeah. Mhmm. Yeah. So with the waiting period, that's how long you have to be off work before you can make a claim. So if you're taking a longer waiting period, it means that you would have to be off work for ninety days prior to you being able to submit the claim to the insurer, and then it generally takes another thirty days for the claim to be completely processed and the first payment to be made. Yeah. Yeah. Absolutely. Perfect. I can take care of that. Not an issue at all. And I can look at a ninety day waiting period and a two and a five year benefit period and show you the difference in what the premium cost might look like. Yep. Yep. Beautiful. The other thing to sort of look at is I'm just sort of had a bit of a look at your super and the statements and things. If you wanted because we are looking at what to do with the the money you have as the inheritance. And, sorry, just to clarify, how much do you have how much did you receive as inheritance? Okay. Okay. Okay. Yep. So about 30,000 that you're able to to do something with? Yep. 20 5 thousand? Yep. Leaves you a buffer of 5,000. Beautiful. And I have here so I'm just gonna alter that information there. Beautiful. And with your super there, I can see that you are in Netwealth at the moment. But whilst we are reviewing what to do with that extra sort of 25,000, we could also be maybe reviewing your super as well, looking to see if, you know, Netwealth still suits you or if there's a cheaper product out there that might provide greater benefit to you. Did you want me to do a full review of your superannuation platform, maybe look at something else, look at different investment structures as well for you? Yeah. Perfect. Lovely. I can see having a look at one of your underlying investments, your Australian equities portion there. One of your underlying investments along Australian equities is underperforming a little bit as well, so I do wanna try and remove that out. One of the things I wanted to sort of double check was your risk tolerance. So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels. I've probably done one of these a couple of times with me in the past there. Mhmm. But just to sort of clarify, what age are you hoping to be able to stop working fully, retire, and maybe access your super? What's your goal age at the moment? 60. Yeah. Late sixties? Yep. Yep. Perfect. Lovely. Have you ever owned investment shares or anything outside of super in your own name in the past? Nope. That's okay. Beautiful. If you looked at your super balance and found it had fallen, say, by 10 or 20% over the next twelve months due to what was happening in the world globally, and, notably, if something like that happened, it's gonna affect every super fund, not just yours. But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel? Are you okay with it knowing you've got a longer time horizon? You maybe wanna put some more money in. Are you a bit concerned and maybe wanting to call us, or are you really anxious about it and maybe wanting to move your money to something more secure? How do you think that might make you feel? Yep. Yep. So probably call us. Yeah. Beautiful. Lovely. And do you think it would still make you a bit concerned, do you think? It does? Yep. Yep. Beautiful. All good. And when you think about your super and you think about the kind of returns that you're hoping to achieve or how fast you're wanting the super to sort of grow, do you feel like you're comfortable taking on a higher level of risk to get those greater returns? Do you think you'd be more comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you feeling like you don't wanna take any risk in the market knowing the returns are lower because of that? The second one. Beautiful. Excellent. Lovely. And when we think about borrowing money, I can see you borrowed for your main primary residence. Have you ever thought about borrowing for anything else, or is it just your your main home that you wanted to borrow for? So borrow money from a a bank or a financial institution. Have you ever thought about doing it for an investment property or to invest in anything? No. No. Yeah. That's okay. That's not a problem at all. Lovely. Now having a look at things, you have scored there as more of a moderate investor. So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment. So sorry. Okay. So as a more moderate investor, we generally would see you taking on a bit more of a lower amount of risk in the market, but that also means you would be expecting sort of lower rates of return. So we'd normally see roundabout, say, six the 70 60 to 70% of your super invest in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. Commodities are both growth investments. They get good returns over longer term, but they're also defensive in nature. So when markets aren't doing so well, people tend to utilize alternative assets as a bit of a defensive safe haven. Gold is one of those, if it makes sense. With the portfolio you're in at the moment, you see that 80% of your super invested in those growth assets. So it is designed to get greater potential returns. The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis. Do you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level? If you're not sure, you can tell me. If you're not if you're not sure, let me know, and we can kinda talk it through in a bit more detail. Yeah. Yeah. Mhmm. Mhmm. Yeah. I mean, the growth portfolio you're in at the moment, you're not you're not in the highest. So our portfolios generally start with, like, the aggressive plus, aggressive, then high growth, then growth. So you are realistically in that kind of medium area. You're not taking on the highest level of risk, but you still kind of are trying to get the greater returns. Because of your age, I mean, you do have a bit a fair bit of time ahead of you before you can access your super because, realistically, the earliest we can under the current legislation is the age of 60 if we stop working and fully retire. So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super. I, by no means, would want you to be in that kind of growth environment right up until the day you retire. So we sort of, once you're about six years out, start to kind of reduce your risk level down a bit. So you are kind of reducing it as you get closer to retiring. Does that make sense? Yeah. Yeah. That's okay. Did you want me to look at the growth of portfolio for a bit longer and maybe see what we can do? I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help you. Yep. Beautiful. I am gonna move that, the BANELONG Australian Equities investment out of there. It has been sort of underperforming in your portfolio. I can see it is down a little bit, and that is because of what's been happening inside that investment. The investment managers haven't really been, you know, doing what they need to in saying that you can never tell what's happening. Investments do react differently. When I remove that out, there's two different sorry? Your the investment we're gonna remove is Benelon Australian Equities. It's essentially an actively managed investment manager that is their job is to be buying and selling and looking at companies that have shown great growth over the last couple of years, but value and can provide greater growth moving forward. They, at the end of late last year, had a bit of an issue, and they're not. They haven't really been able to change or make any alterations. And one of their underlying investments actually was a bit dishonest to to investors into the market. So that has come out. It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong. So I wanna remove that out of your portfolio because they've had issues with their underlying investments, and it's underperforming in your portfolio at the moment. So we do wanna move that out. I could look at replacing that. So the idea of having Benelon in your portfolio was to give you a little bit of active management. So they're supposed to be buying and selling to make sure that they're trying to outperform the market. But as you can sort of see, they've underperformed, so they can't they don't always outperform the market. And you tend to pay a higher management fee for having active managers or active investment managers in your portfolio. Did you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance? Does that make sense? Yeah. Yep. Perfect. Please let me know if you need me to kinda delve deeper. Just wanna make sure that you're going that you're comfortable understanding everything I do say. And if you're not, please let me know. As I mentioned, there's no no silly questions. I'm here to help, and you're welcome to ask me anything you like. Okay? Yep. Beautiful. That's okay. So I can look at something a bit more low cost that's maybe provided a greater level of return, might provide a bit more in the future, but also maybe lower the fees a little bit for you. Does that sound okay? Yeah? Yep. Perfect. I'll look at Netwealth as a platform, but also the other platforms out there to see what's gonna provide, what's gonna be better for you. It is really important when you when we do look at investments inside your super fund, when we are changing investments, that we do consider the tax component. Because believe it or not, just like you do your tax return every year, your super fund also does a tax return every year. So they pay income tax and capital gains tax on changes on investments as well. So I will, as part of the research, go back and double check what the tax consequences look like so we can try to minimize those for you as well. Okay? Beautiful. Beautiful. Lovely. I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there. If you have questions around those quotes, please do let me know. I'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well. Okay? The other thing I have here, Natalie, is your licensed PPD cover. So that is with Neos as we kinda went through before. You're currently covered for 03/7500 with the information I have here in front of me. Now are you thinking about the level of cover if you were to prematurely pass away? I'm touching, Wilk, because I don't want anything to happen to you. I want you to enjoy your life, get to retirement, and have a full happy retirement. If you were to maybe pass away, what's important to you? So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries. But what would you want that to cover, and who would you want it to be paid to? Yeah. Cover the mortgage. Yeah. Yep. Yep. Okay. Yep. Yep. Thanks. It all. Yeah. Absolutely. Yeah. Yep. No. I completely understand where you're going with that. Now if I look at the total benefit based on the information I have here at the moment, the estimated benefit life insurance paid out plus your super balance would provide an estimated benefit of about $496,062. So given your current mortgage that I have here, which is showing, sorry, 312,000, is that about right is that roughly the right estimate on your mortgage? Yep. Perfect. Yep. Yep. So there's an extra 30,000 sitting in the redraw. Is that right? Yep. So I'll add the extra 30,000 on there. Sorry. Sorry. Sorry. Won't be a second. I'm just doing some quick math here for you. So we'll start with that. We'll take away the 312, and then we'll take away an extra, say, 30,000 there as well. Beautiful. And that leaves you with roughly about a 154,000, which you wanted to have paid out to your daughter. Now with your daughter, you may have mentioned that she is to your ex partner. How old is your daughter? Is she over 18, over 25? Is she technically a financial dependent? Okay. Perfect. Yep. So one of the really yeah. So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well. So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary. But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child. It goes to the guardian. And depending on state law, the guardian could be your ex partner, which means that he would get access. So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate. And then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner. It can be somebody else's sister, your mom, or your best friend. Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to your 10 year old daughter. That way, you've leave much more control around what happens to your assets and your estate. Does that make sense? Yeah. Yep. That's right. Yep. Yep. So what we would need to do is we can, as part of the advice, factor in the estate planning side of things. After the call, I can send you through some information on a local solicitor. So we don't draft a will for you. It has to be done by a licensed lawyer or solicitor. We can send you through some information on the solicitor that we use. It has a bit of a costing on what it costs to do up a will and a bit of information around trusts for you. I can send that through to you shortly so you have that information there. And you could either give them a quick call to book in a time to go through it, or we can refer you. Or if you have another solicitor you're comfortable utilizing, you can absolutely go through them, but you just have to have a will drawn up properly by a local or by a solicitor to make sure that it's, you know, a little bit more it's you've got a bit more control around things, that they are done up correctly. And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up correctly. Okay. Yeah. No. No. No. No. That's okay. So your everything goes into your estate normally on on passing. If we just nominate legal personal representative on your super and your insurances, On death, everything goes automatically to your estate. As part of your will, you just need to name an executor who is going to look after the estate and take care of any trust that you do set up. What I would suggest is once you've done your will, if you could give us a copy of that, and let us know who the executor is. Because on passing, we will need to be able to speak to your executor to help them finalize the claim and have everything moved in. Yeah. Yep. Perfect. Does that help? Yeah. Yep. I will break down a bit of an email after the call which goes through what we discussed, what you sort of explained you wanted there, what we're looking at, just to kinda break it down for you. Because I know it is a lot. It can be quite in-depth, and then you can always come back with questions. Does that sound okay? I'll do a bit of a recap on the email for you as well. Yeah. Yeah. Yep. Perfect. All good. With the TBD cover, so TBD or total permanent disability pays out, it can be either a lump sum benefit or an income stream in the event that you're permanently incapacitated. So sorry. I've got the hiccups. I do apologize. TBD, just so you're aware, Natalie, is actually a taxable payment. So if you are TBD'd on a successful claim and you're under the age of 60, and I wholeheartedly disagree with this, but, unfortunately, TBD is taxed, and it can be up to 22%. So it means the amount you're covered for is not exactly likely to be the amount you get. However, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money. Does that make sense? Yeah. At the moment, your TBD sum insured is the same as the life amount, the 327,000. Do you feel like that's a comfortable amount to be covered for? Did you wanna look at changing that at all? Yep. And if you claim on TBD under the conditions of release of super, we can also claim permanent incapacity on your super and have that released as well. Okay? Yep. Perfect. Do you have any questions about that at all? You're welcome to It's okay. Yep. Perfect. So just to kind of recap, I'm gonna go back. You're happy with the insurances you have there with your life and TBD. We're gonna look at some income protection. I'll get some quotes for you. I'll look at the ninety day waiting yeah. Ninety day waiting period. I'll get sorry. You're at yep. Yep. It can be taxed up to 22%. So if you go through a claim, there's a weird little math equation that they use. They essentially look at your age you are at time of claim, when you are on a when you stopped working or when you were made disabled. They subtract that from the age of 65. They also look at your tax free taxable components inside your super, and then they have what's called a relevant number. So to work that out, it's basically working on the eligible service date or the opens or the date you're super open. It just comes down to what they use at the time of claim. And that tells them how much tax should be paid. Most of the time, you don't get taxed at up to 22%. And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable. And the tax payable is also if you take it as an income stream as opposed to a lump sum can also reduce the tax payable on it because you're taking smaller amounts of money on a regular basis. And it means the money stays invested for you as well. So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60. Does that make sense? Yep. Yep. Perfect. Sorry. There's a lot to it. On the upside, if you did ever have the claim, you have us here. We will take care of all of that. We'll provide advice, and we'll help you to structure it and do everything we can to minimize the tax effect for you. Okay? Yep. All good. I wholeheartedly disagree with the tax side of the TPD. I think if you're unable to work due to disablement, I don't think you should ever be taxed, but that is that is just my opinion over the governments, unfortunately. Yeah. So I'll go back. I'll have a look at the super. I'll look at reviewing the investments within the super. I'll keep you in that kind of growth environment there. I'll look at this tax consequences of changing your portfolio as well to see what that looks like, make sure we're minimizing that for you. I'll get some quotes to the income protection and email them through to you. I'll send you an email after this call which recaps the things that we spoke about and went through. If I have additional questions, I can always pop them in there, and I'll get you to send me a copy of your payslip, and I'll also get you to send me a copy of your home loan statement. And I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect. Does that sound okay? Have I missed anything at all? That's okay? Perfect. I'll start by sending you an email with a bit of a recap and those things, and then we can kinda go from there. You'll then also have my contact, and you can email me any questions you have. I know sometimes questions come up out of the blue that you think, oh, I should have asked that. Just email them through to me. I'm happy to answer them. I work generally Monday to Thursday. I do take Friday off with my little son, but I'm here generally from 07:30 in the morning till about six, 07:00 at night, Monday to Thursday. So I will always answer any questions at the earliest opportunity possible. Okay? That's okay. That's not a problem at all. Is there anything else that kinda comes to mind or anything that you might wanna ask me while you've got me here as well? No? That's okay. We've touched on quite a lot, which is good. Yeah. Perfect. That's okay. Not a problem. All good. I will let you go. Thank you for taking my call. I appreciate it. I'll send you an email, and we can kinda go from there for you. Okay? My pleasure, Natalie. You have a lovely day. Thanks. See you later. 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Natalie. It's Dana from Oakview Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yep. No. That's absolutely fine.\n\nNatalie, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay for us to proceed with that? Beautiful. And just to do security there with you as well, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file.\n\nYes, please. Yeah. Yep. Lovely. Thank you so much for that.\n\nHow's everything been going for you? How's the start of the New Year? Yep. Is he? Yep.\n\nYeah. Yeah. Yep. Alright. Fantastic.\n\nWell, it's good to hear. I know it has been extremely busy for you. I know you are very busy and probably still working today, so I'll try not to take up too much of your time. But I know you completed your annual review late last year with my colleagues, they mentioned that you had some questions. Wanted to maybe look at reviewing your super and reviewing your circumstances.\n\nIs that right? Mhmm. Yep. No. That's okay.\n\nSo the main sort of difference with the Australian is that and I can have a look at what they have been reporting as the returns on their per portfolios. But, essentially, returns are individual. When you do look at what the portfolios in in the industry funds are reporting, they are giving you a gross reporting on their website. It could be very different to what you are getting internally. One of the main sort of differences with being within Netwealth or one of the adviser platforms that we tend to advise on is that we can give you more personalized returns on your portfolio, review things with you.\n\nAnother sort of advantage to what we do over the industry funds is that the industry funds have very much limited access to investments Because they have such large funds, they have to outsource to investment managers to be able to invest. They do have a limited amount of investment options to be able to choose from. So it does sort of limit what you're able to invest in if there's something that sort of suits yourself or something you wanted to look at. Whereas with our with us and looking at these portfolios like Netwealth, Hub24, and those sort of things, we get access to thousands of different investment options. So we can build portfolios that are working for you, but we can also look at individual cases.\n\nAnd if there's something that interests you or you wanna see your money invested in, we can always alter portfolios to reflect that for you as well. But at the at the end of the day, like, if you're not comfortable staying on board, you would like to go back to an industry super fund, that is absolutely fine. You just let us know. We can turn our fees off and help you roll back. There is no problem with that whatsoever.\n\nAnd you're never locked into any contracts with us either. So it is completely up to you, your personal preference, and certainly what you wanna achieve moving forward there as well. Yeah. Yeah. Correct.\n\nDefinitely. Yeah. If you just wanted to be in a low cost fund where no one's really sort of reviewing the portfolio where it just sort of sits is in, like, a default fund and it just look at it every so often when you're comfortable sort of looking at things, you can absolutely, you know, be in an industry fund. There is nothing wrong with that whatsoever. With having a financial adviser and being one of our mutual clients, we wanna make sure you're getting value for it.\n\nSo we do wanna do catch ups with you. We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services. It's also not just about super. It's about looking towards your retirement and any other goals that you might have as well. So we can give you access to mortgage brokers if you were looking to, you know, alter or change your mortgage structure or, you know, buy a new property or something like that.\n\nWe can look at and provide additional advice around investing outside of super. But one of my main sort of goals here is helping you work towards with your super work towards your retirement, so looking at what your retirement what you want it to look like, how we can help you to get there, keep you on track to do that, and review the portfolios, review your risk level, and just make sure you're invested correctly and that your investments remain working for you, if that makes sense. Yeah. No. Definitely not.\n\nNo. No. I mean, how much you're earning does have an impact on the contributions that you have going into your super fund. But, you know, at the end of the day, the retirement aspect, I've got clients who are on very little incomes who are putting more money into super and making it work harder for them. I've got clients with higher incomes who are not putting in as much, and they might not be getting as bigger return.\n\nThe other thing that's considered is the returns definitely make a difference as your balance increases too. So if you think about your balance, as it gets bigger, smaller changes to the market fluctuations have a much bigger impact. If you look at maybe a 5% return on someone with $50,000, 5% isn't a great deal more. However, someone with 500,000 getting the same 5% return, there's a much larger difference there. And and, like, our advice doesn't end at the point that you retire.\n\nWhen you get to retirement, you wanna start drawing money out. We provide advice on how to structure that withdrawal. We have access in different structures. So if you're wanting to access Centrelink and you might not, you know, be eligible, we can also change the structures of your super to be able to try and maximize Centrelink eligibility whilst drawing down out of super, gives you longevity. So we just sort of tailor the advice towards your goals and what you're after, which is more of a personal sort of scenario because no one's goals are ever exactly the same.\n\nEveryone has different needs and wants. So yeah. Yeah. Yeah. Well, you're right.\n\nYou yeah. Yeah. So you completed your annual review last year with my colleagues. I believe it might have been Samantha. And, yeah, out of that, she mentioned that you had some questions mostly about whether to stay with us and what our services entail.\n\nSo kind of like the last question you sort of asked. Yeah. That's okay. Yeah. That's okay.\n\nMhmm. Mhmm. Yeah. No. Yeah.\n\nNo. Absolutely. I think one of the things we wanna look at with is what is your medium term goals? What are you hoping to achieve? Is super your main priority at the moment or is paying down your mortgage?\n\nIf I have a look here, I've got down here from your annual review late last year. You noted that paying your house down was one of the bigger priorities that you had sort of in the medium term. Does that still sound like something that's important? Yep. Yep.\n\nHaving a look I'm so sorry. Yeah. Mhmm. Yep. Yeah.\n\nAbsolutely. If you like, what I could do for you, Natalie, is I could go back and look at the advice. I could provide a personal advice document which decides or tells you whether we think you should put the money into your mortgage or into your super and the long term effect that that might have for you. Did you want me to update some advice to help you out there? Yep.\n\nPer perfect. Not a problem at all. After the call, am I able to grab a copy of your most recent home loan statement? I just sort of need to see the information on how much you owe, what your interest rate is, your your minimum rate payments, and things like that on the home loan statement. If I send you an email after the call, can you email me a copy of one of those?\n\nYep. That's okay. Yep. That's absolutely fine. It takes me a little couple of weeks to put the research together because we are looking at the home loan versus versus putting the money into super and what that sort of entails.\n\nYeah. No. Yeah. No. Not yep.\n\nYep. Yeah. Absolutely. And that's a really good point to bring up. So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path.\n\nBut, essentially, as an ongoing client of Oakview Financial, you do actually receive additional advice with no extra charge. And, essentially, all you're doing is being an ongoing service client. You do pay us an ongoing service fee every year. It is 1.65% per annum. That is deducted in smaller monthly increments.\n\nSo our fee is deducted out of your super in smaller monthly amounts, and the idea of a percentage fee is that it fluctuates with the market. It is linked to the performance of your super. So when the market is doing better, when we are seeing greater performance, then our fee is gonna increase slightly. However, when the market does take a dip because we can't control what how markets react, then it means that our fee does go down with it. So our fee is linked to to the market and to your super performance as well.\n\nIt does sort of mean that we do ask that you do return the annual review pack. I will double check after the call to see if it has been. I'm not able to find that at the moment. I'm so sorry. But I'll I'll I'll obviously go back and I'll just try to the email.\n\nI'll just confirm whether that has been returned and signed or not. But it's all we ask because after the annual review, you do return the pack there, sign the ongoing service agreement for us, and we do apply that to the account. You think you yep. Yep. That's okay.\n\nPerfect. That's okay. I can double check that for you. But it's important to note that by returning that pack and paying your ongoing service fee, it does entitle you to additional advice there, which is there's no implementation fees or no charges for additional advice currently. Obviously, things could change down the the track there, but this is all inclusive at the moment.\n\nSo we just wanna make sure we're working harder for you. And there's no locking contract in any way, shape, or form. So if you decide at any point throughout the year that you don't want the advice, you don't want us to sort of manage things, you can just tell us to turn the fees off, and we can help you roll to wherever you want. You're by no means obligated to stay if you're not comfortable and not happy with the services we're providing. Yeah.\n\nYeah. Yep. Yeah. Yeah. Of course.\n\nYeah. You mean, like, the age pension? Yeah. No. It is still a thing.\n\nI can safely tell you the age pension is still a thing. It is gonna be very prevalent over the next couple of years. We do have a lot of the baby boomers about to retire, so we do have a lot of people with a very low super balance about to enter retirement. And it is gonna cost taxpayers a lot of money over the next sort of ten years or so, but the age pension with Centrelink and with the government is still a thing. It is still funded by tax payers.\n\nThey're not in any way, shape, or form at this point in time removing that. However, I'm 41, and I'm personally not banking on there being much in the way they change eligible to me. I think down the track in, you know, twenty or thirty years, they are gonna have to restructure the way it does work, but we are always gonna have to have some sort of backup, some sort of government incentive. Absolutely. Yeah.\n\nYeah. No. That's okay. You can always if you're hearing anything like this that is concerning, please let me know. After the call, I'll email you.\n\nThat way, you do have my direct email. You're welcome to ask me questions. Part of our services is if you're unsure, you think of something that you might wanna ask, you can email me, call me. I'll book in a time to do a catch up with you and see how things are traveling. If you hear something that's concerning, give me a buzz.\n\nLet me know. If I'm not sure, I'll go and find out and and return an email or give you a call and have a chat to you about it. So you can definitely use our services for other aspects or just for a bit of a catch up here and there if you need to as well. But it just comes down to your your your comfort level as well. I don't ever want you to feel like you're being forced to stay here.\n\nYou definitely do not have to. But I do would like to maybe go back and do some updated advice for you. Let's have a look at what to do with the with the money you've inherited, whether paying down the mortgage is appropriate or whether putting in the super. The advice we provide as well, I'll provide the recommendations to you. We'll go through those together so you can see what I'm recommending, the advantages, the disadvantages, and the risks involved, and then you get to decide whether you take those recommendations.\n\nYou can decide to take all, some, or none of them so ever. It's all, you know, up to you and how you feel and, yeah, your comfort level. Yeah. Yeah. Yes.\n\nYeah. Sure. Quote's not a problem at all. I will may just go back and update those because the quotes generally only last for about thirty days from the insurers, but that's okay. It won't take as much to update those and send them through.\n\nJust to confirm there, Natalie, your income I have is 65,900 per annum. Is that right? Yep. Yeah. No.\n\nThat's it. Okay. Yep. Yeah. Absolutely.\n\nYeah. Wow. Because you work in your industry's debt collections from what I can see, but you're a hardship support officer. Is that right? Yeah.\n\nAbsolutely. Oh, wow. Yep. Yeah. That's Absolutely.\n\nNo. Of course. Yep. Yeah. Yep.\n\nDefinitely. Definitely. Yeah. No. Absolutely.\n\nDo you did you want me to maybe just get you to send me through a copy of a payslip after the call just to sort of reflect the income so we can have a look at that for you? Yep. Yep. Perfect. Easy.\n\nNot a problem at all. Now with income protection, not sure if we've kinda gone through before, but you can be covered for up to 70% of your current income if you're off work due to illness or injury. And when we look at income protection, they have what's called waiting periods. This is how long you have to be on a call or have to be off work before you can actually make a claim. Given your circumstances and any sort of sick or long service label, annually that you might have, do you feel like having a shorter waiting period, like, maybe thirty days might be more appropriate, or do you feel like having a longer waiting period might be fine to keep the cost lower for the income protection?\n\nWhat's your thoughts there? Yep. Yeah. Yeah. Definitely.\n\nWe will review them every year as part of your annual review process. And if you want us to increase, decrease, alter the insurances, we can absolutely help you with that. It's not a problem at all. Yeah. We're we're OQ Financial.\n\nSo we're the financial advisers. Yep. So we we help you apply for it, but it's applied for through insurance companies. So, like, Neos, MetLife, Zurich, OnePath. But we, essentially, as the financial advisers, go through the application process with you.\n\nWe're the intermediaries. We make the recommendations and show you all the bits and pieces, and we help you to apply. Yeah. That's correct. Yeah.\n\nSo you've got your that's okay. It's absolutely fine. So your life and TPD covers through Neos insurance company. Essentially, what would have happened is we would have done the application with you. We go into the portal and monitor everything.\n\nSo we help you apply for the cover. We're the advisers on the cover. We get notified of any changes to it. We help you review it. We essentially look after and do everything.\n\nIt's just that the insurance is actually applied for through the insurance company. But we monitor it. We do everything to help you alter it. We are the intermediary. If you had to make a claim, we help you make the claim.\n\nWe get the paperwork, and we work with you to get the claim processed. So we try to do all the hard work for you to make it easier and be the middle person between yourself and the insurer. Yeah. Yeah. That's okay.\n\nYeah. Yep. Perfect. Yeah. Yep.\n\nNo worries. Do you think with with the waiting period, you said you were comfortable with a longer waiting period. How long would you be comfortable with? Do you think sixty days of the waiting would be comfortable, or are you comfortable to wait out for ninety days prior to making a claim? The longest?\n\nYep. Yep. Not a problem at all. And with the other thing with income protection is there's a benefit period. It's how long you can be on a claim for.\n\nIt's really hard because we never know if we're gonna be off work or what the future's gonna hold. But the longer the benefit period, the more expensive the premiums are. You can have the lowest, which is two years, and that essentially means that if you're off work on a claim at the two year mark, if you still can't go back to work, then the claim stops regardless. So you've gotta find other ways to fund your income or go back to work. You can have five years, which is generally a happy medium, being on a claim for up to five years.\n\nMost claims are done within a two year period. However, there might be a risk, especially if you're more of an administration worker and works in the office a lot, that then you might be back at work one, two, or three days a week. So getting part from work or and a partial claim. So having a five year benefit period can be kind of a happy medium at lower cost. You're not paying for the all the way up to $8.65 for a benefit period, but it also kinda gives you a little bit of extra protection over that two year time frame.\n\nWould you like me to look at that for you and maybe provide a quote? Yeah? That's okay. If you want me to break it down more, if you have questions, please ask. There is no such thing as a silly question, so ask anything that you're thinking.\n\nYeah. No. Yeah. That's a really good question. So for the benefit period, it's how long you can be on a claim for if you're on an income protection claim.\n\nA two year benefit period means the claim period is shorter. So if you say, well, after your ninety days, you started your income protection claim, if you are off work for two years, then they'd be assessing whether you can go back to work at that time frame. If for that two if you had a two year benefit period on your income protection policy and at two years, you can't still go back to work, you're still off work and injured or ill, regardless of whether you can go back or not, that benefit stops. With a five year benefit period, you're extending it, so you can be on a income protection claim for up to five years. Most claims are completed within two years.\n\nHowever, there is a short component where the claim the person may have injured themselves or maybe they're off work for longer than two years. That five years doesn't make the the income protection premium more expensive because you're covering yourself for a longer time frame. But there are instances where, say, if you're off work for that two years, something's happened to you. You've broken an arm or a leg or a back or something, and you might be able to go back to work part time. So you may be on a partial claim, which is working a couple of days a week plus getting some money from the claim.\n\nBut it does cost more to have a longer benefit period because you are trying to cover yourself for a longer time frame. Does that make sense? Yeah. Well Yeah. Mhmm.\n\nYeah. So with the waiting period, that's how long you have to be off work before you can make a claim. So if you're taking a longer waiting period, it means that you would have to be off work for ninety days prior to you being able to submit the claim to the insurer, and then it generally takes another thirty days for the claim to be completely processed and the first payment to be made. Yeah. Yeah.\n\nAbsolutely. Perfect. I can take care of that. Not an issue at all. And I can look at a ninety day waiting period and a two and a five year benefit period and show you the difference in what the premium cost might look like.\n\nYep. Yep. Beautiful. The other thing to sort of look at is I'm just sort of had a bit of a look at your super and the statements and things. If you wanted because we are looking at what to do with the the money you have as the inheritance.\n\nAnd, sorry, just to clarify, how much do you have how much did you receive as inheritance? Okay. Okay. Okay. Yep.\n\nSo about 30,000 that you're able to to do something with? Yep. 20 5 thousand? Yep. Leaves you a buffer of 5,000.\n\nBeautiful. And I have here so I'm just gonna alter that information there. Beautiful. And with your super there, I can see that you are in Netwealth at the moment. But whilst we are reviewing what to do with that extra sort of 25,000, we could also be maybe reviewing your super as well, looking to see if, you know, Netwealth still suits you or if there's a cheaper product out there that might provide greater benefit to you.\n\nDid you want me to do a full review of your superannuation platform, maybe look at something else, look at different investment structures as well for you? Yeah. Perfect. Lovely. I can see having a look at one of your underlying investments, your Australian equities portion there.\n\nOne of your underlying investments along Australian equities is underperforming a little bit as well, so I do wanna try and remove that out. One of the things I wanted to sort of double check was your risk tolerance. So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels. I've probably done one of these a couple of times with me in the past there. Mhmm.\n\nBut just to sort of clarify, what age are you hoping to be able to stop working fully, retire, and maybe access your super? What's your goal age at the moment? 60. Yeah. Late sixties?\n\nYep. Yep. Perfect. Lovely. Have you ever owned investment shares or anything outside of super in your own name in the past?\n\nNope. That's okay. Beautiful. If you looked at your super balance and found it had fallen, say, by 10 or 20% over the next twelve months due to what was happening in the world globally, and, notably, if something like that happened, it's gonna affect every super fund, not just yours. But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel?\n\nAre you okay with it knowing you've got a longer time horizon? You maybe wanna put some more money in. Are you a bit concerned and maybe wanting to call us, or are you really anxious about it and maybe wanting to move your money to something more secure? How do you think that might make you feel? Yep.\n\nYep. So probably call us. Yeah. Beautiful. Lovely.\n\nAnd do you think it would still make you a bit concerned, do you think? It does? Yep. Yep. Beautiful.\n\nAll good. And when you think about your super and you think about the kind of returns that you're hoping to achieve or how fast you're wanting the super to sort of grow, do you feel like you're comfortable taking on a higher level of risk to get those greater returns? Do you think you'd be more comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you feeling like you don't wanna take any risk in the market knowing the returns are lower because of that? The second one. Beautiful.\n\nExcellent. Lovely. And when we think about borrowing money, I can see you borrowed for your main primary residence. Have you ever thought about borrowing for anything else, or is it just your your main home that you wanted to borrow for? So borrow money from a a bank or a financial institution.\n\nHave you ever thought about doing it for an investment property or to invest in anything? No. No. Yeah. That's okay.\n\nThat's not a problem at all. Lovely. Now having a look at things, you have scored there as more of a moderate investor. So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment. So sorry.\n\nOkay. So as a more moderate investor, we generally would see you taking on a bit more of a lower amount of risk in the market, but that also means you would be expecting sort of lower rates of return. So we'd normally see roundabout, say, six the 70 60 to 70% of your super invest in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. Commodities are both growth investments. They get good returns over longer term, but they're also defensive in nature.\n\nSo when markets aren't doing so well, people tend to utilize alternative assets as a bit of a defensive safe haven. Gold is one of those, if it makes sense. With the portfolio you're in at the moment, you see that 80% of your super invested in those growth assets. So it is designed to get greater potential returns. The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis.\n\nDo you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level? If you're not sure, you can tell me. If you're not if you're not sure, let me know, and we can kinda talk it through in a bit more detail. Yeah. Yeah.\n\nMhmm. Mhmm. Yeah. I mean, the growth portfolio you're in at the moment, you're not you're not in the highest. So our portfolios generally start with, like, the aggressive plus, aggressive, then high growth, then growth.\n\nSo you are realistically in that kind of medium area. You're not taking on the highest level of risk, but you still kind of are trying to get the greater returns. Because of your age, I mean, you do have a bit a fair bit of time ahead of you before you can access your super because, realistically, the earliest we can under the current legislation is the age of 60 if we stop working and fully retire. So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super. I, by no means, would want you to be in that kind of growth environment right up until the day you retire.\n\nSo we sort of, once you're about six years out, start to kind of reduce your risk level down a bit. So you are kind of reducing it as you get closer to retiring. Does that make sense? Yeah. Yeah.\n\nThat's okay. Did you want me to look at the growth of portfolio for a bit longer and maybe see what we can do? I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help you. Yep. Beautiful.\n\nI am gonna move that, the BANELONG Australian Equities investment out of there. It has been sort of underperforming in your portfolio. I can see it is down a little bit, and that is because of what's been happening inside that investment. The investment managers haven't really been, you know, doing what they need to in saying that you can never tell what's happening. Investments do react differently.\n\nWhen I remove that out, there's two different sorry? Your the investment we're gonna remove is Benelon Australian Equities. It's essentially an actively managed investment manager that is their job is to be buying and selling and looking at companies that have shown great growth over the last couple of years, but value and can provide greater growth moving forward. They, at the end of late last year, had a bit of an issue, and they're not. They haven't really been able to change or make any alterations.\n\nAnd one of their underlying investments actually was a bit dishonest to to investors into the market. So that has come out. It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong. So I wanna remove that out of your portfolio because they've had issues with their underlying investments, and it's underperforming in your portfolio at the moment. So we do wanna move that out.\n\nI could look at replacing that. So the idea of having Benelon in your portfolio was to give you a little bit of active management. So they're supposed to be buying and selling to make sure that they're trying to outperform the market. But as you can sort of see, they've underperformed, so they can't they don't always outperform the market. And you tend to pay a higher management fee for having active managers or active investment managers in your portfolio.\n\nDid you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance? Does that make sense? Yeah. Yep. Perfect.\n\nPlease let me know if you need me to kinda delve deeper. Just wanna make sure that you're going that you're comfortable understanding everything I do say. And if you're not, please let me know. As I mentioned, there's no no silly questions. I'm here to help, and you're welcome to ask me anything you like.\n\nOkay? Yep. Beautiful. That's okay. So I can look at something a bit more low cost that's maybe provided a greater level of return, might provide a bit more in the future, but also maybe lower the fees a little bit for you.\n\nDoes that sound okay? Yeah? Yep. Perfect. I'll look at Netwealth as a platform, but also the other platforms out there to see what's gonna provide, what's gonna be better for you.\n\nIt is really important when you when we do look at investments inside your super fund, when we are changing investments, that we do consider the tax component. Because believe it or not, just like you do your tax return every year, your super fund also does a tax return every year. So they pay income tax and capital gains tax on changes on investments as well. So I will, as part of the research, go back and double check what the tax consequences look like so we can try to minimize those for you as well. Okay?\n\nBeautiful. Beautiful. Lovely. I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there. If you have questions around those quotes, please do let me know.\n\nI'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well. Okay? The other thing I have here, Natalie, is your licensed PPD cover. So that is with Neos as we kinda went through before. You're currently covered for 03/7500 with the information I have here in front of me.\n\nNow are you thinking about the level of cover if you were to prematurely pass away? I'm touching, Wilk, because I don't want anything to happen to you. I want you to enjoy your life, get to retirement, and have a full happy retirement. If you were to maybe pass away, what's important to you? So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries.\n\nBut what would you want that to cover, and who would you want it to be paid to? Yeah. Cover the mortgage. Yeah. Yep.\n\nYep. Okay. Yep. Yep. Thanks.\n\nIt all. Yeah. Absolutely. Yeah. Yep.\n\nNo. I completely understand where you're going with that. Now if I look at the total benefit based on the information I have here at the moment, the estimated benefit life insurance paid out plus your super balance would provide an estimated benefit of about $496,062. So given your current mortgage that I have here, which is showing, sorry, 312,000, is that about right is that roughly the right estimate on your mortgage? Yep.\n\nPerfect. Yep. Yep. So there's an extra 30,000 sitting in the redraw. Is that right?\n\nYep. So I'll add the extra 30,000 on there. Sorry. Sorry. Sorry.\n\nWon't be a second. I'm just doing some quick math here for you. So we'll start with that. We'll take away the 312, and then we'll take away an extra, say, 30,000 there as well. Beautiful.\n\nAnd that leaves you with roughly about a 154,000, which you wanted to have paid out to your daughter. Now with your daughter, you may have mentioned that she is to your ex partner. How old is your daughter? Is she over 18, over 25? Is she technically a financial dependent?\n\nOkay. Perfect. Yep. So one of the really yeah. So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well.\n\nSo when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary. But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child. It goes to the guardian. And depending on state law, the guardian could be your ex partner, which means that he would get access. So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate.\n\nAnd then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner. It can be somebody else's sister, your mom, or your best friend. Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to your 10 year old daughter. That way, you've leave much more control around what happens to your assets and your estate. Does that make sense?\n\nYeah. Yep. That's right. Yep. Yep.\n\nSo what we would need to do is we can, as part of the advice, factor in the estate planning side of things. After the call, I can send you through some information on a local solicitor. So we don't draft a will for you. It has to be done by a licensed lawyer or solicitor. We can send you through some information on the solicitor that we use.\n\nIt has a bit of a costing on what it costs to do up a will and a bit of information around trusts for you. I can send that through to you shortly so you have that information there. And you could either give them a quick call to book in a time to go through it, or we can refer you. Or if you have another solicitor you're comfortable utilizing, you can absolutely go through them, but you just have to have a will drawn up properly by a local or by a solicitor to make sure that it's, you know, a little bit more it's you've got a bit more control around things, that they are done up correctly. And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up correctly.\n\nOkay. Yeah. No. No. No.\n\nNo. That's okay. So your everything goes into your estate normally on on passing. If we just nominate legal personal representative on your super and your insurances, On death, everything goes automatically to your estate. As part of your will, you just need to name an executor who is going to look after the estate and take care of any trust that you do set up.\n\nWhat I would suggest is once you've done your will, if you could give us a copy of that, and let us know who the executor is. Because on passing, we will need to be able to speak to your executor to help them finalize the claim and have everything moved in. Yeah. Yep. Perfect.\n\nDoes that help? Yeah. Yep. I will break down a bit of an email after the call which goes through what we discussed, what you sort of explained you wanted there, what we're looking at, just to kinda break it down for you. Because I know it is a lot.\n\nIt can be quite in-depth, and then you can always come back with questions. Does that sound okay? I'll do a bit of a recap on the email for you as well. Yeah. Yeah.\n\nYep. Perfect. All good. With the TBD cover, so TBD or total permanent disability pays out, it can be either a lump sum benefit or an income stream in the event that you're permanently incapacitated. So sorry.\n\nI've got the hiccups. I do apologize. TBD, just so you're aware, Natalie, is actually a taxable payment. So if you are TBD'd on a successful claim and you're under the age of 60, and I wholeheartedly disagree with this, but, unfortunately, TBD is taxed, and it can be up to 22%. So it means the amount you're covered for is not exactly likely to be the amount you get.\n\nHowever, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money. Does that make sense? Yeah. At the moment, your TBD sum insured is the same as the life amount, the 327,000. Do you feel like that's a comfortable amount to be covered for?\n\nDid you wanna look at changing that at all? Yep. And if you claim on TBD under the conditions of release of super, we can also claim permanent incapacity on your super and have that released as well. Okay? Yep.\n\nPerfect. Do you have any questions about that at all? You're welcome to It's okay. Yep. Perfect.\n\nSo just to kind of recap, I'm gonna go back. You're happy with the insurances you have there with your life and TBD. We're gonna look at some income protection. I'll get some quotes for you. I'll look at the ninety day waiting yeah.\n\nNinety day waiting period. I'll get sorry. You're at yep. Yep. It can be taxed up to 22%.\n\nSo if you go through a claim, there's a weird little math equation that they use. They essentially look at your age you are at time of claim, when you are on a when you stopped working or when you were made disabled. They subtract that from the age of 65. They also look at your tax free taxable components inside your super, and then they have what's called a relevant number. So to work that out, it's basically working on the eligible service date or the opens or the date you're super open.\n\nIt just comes down to what they use at the time of claim. And that tells them how much tax should be paid. Most of the time, you don't get taxed at up to 22%. And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable. And the tax payable is also if you take it as an income stream as opposed to a lump sum can also reduce the tax payable on it because you're taking smaller amounts of money on a regular basis.\n\nAnd it means the money stays invested for you as well. So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60. Does that make sense? Yep. Yep.\n\nPerfect. Sorry. There's a lot to it. On the upside, if you did ever have the claim, you have us here. We will take care of all of that.\n\nWe'll provide advice, and we'll help you to structure it and do everything we can to minimize the tax effect for you. Okay? Yep. All good. I wholeheartedly disagree with the tax side of the TPD.\n\nI think if you're unable to work due to disablement, I don't think you should ever be taxed, but that is that is just my opinion over the governments, unfortunately. Yeah. So I'll go back. I'll have a look at the super. I'll look at reviewing the investments within the super.\n\nI'll keep you in that kind of growth environment there. I'll look at this tax consequences of changing your portfolio as well to see what that looks like, make sure we're minimizing that for you. I'll get some quotes to the income protection and email them through to you. I'll send you an email after this call which recaps the things that we spoke about and went through. If I have additional questions, I can always pop them in there, and I'll get you to send me a copy of your payslip, and I'll also get you to send me a copy of your home loan statement.\n\nAnd I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect. Does that sound okay? Have I missed anything at all? That's okay? Perfect.\n\nI'll start by sending you an email with a bit of a recap and those things, and then we can kinda go from there. You'll then also have my contact, and you can email me any questions you have. I know sometimes questions come up out of the blue that you think, oh, I should have asked that. Just email them through to me. I'm happy to answer them.\n\nI work generally Monday to Thursday. I do take Friday off with my little son, but I'm here generally from 07:30 in the morning till about six, 07:00 at night, Monday to Thursday. So I will always answer any questions at the earliest opportunity possible. Okay? That's okay.\n\nThat's not a problem at all. Is there anything else that kinda comes to mind or anything that you might wanna ask me while you've got me here as well? No? That's okay. We've touched on quite a lot, which is good.\n\nYeah. Perfect. That's okay. Not a problem. All good.\n\nI will let you go. Thank you for taking my call. I appreciate it. I'll send you an email, and we can kinda go from there for you. Okay?\n\nMy pleasure, Natalie. You have a lovely day. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Natalie.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.13743015378713608},{"text":"It's Dana from Oakview Financial.","start":4.24,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.16895985901355742},{"text":"How are you today?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.19221239909529686},{"text":"I'm very well.","start":9.12,"end":9.92,"sentiment":"positive","sentiment_score":0.5645301739374796},{"text":"Thank you.","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.6441030502319336}],"sentiment":"neutral","sentiment_score":0.30439411383122206,"num_words":16,"start":3.6,"end":10.32},{"sentences":[{"text":"I had you booked in for a bit of a catch up this morning.","start":10.32,"end":12.559999,"sentiment":"neutral","sentiment_score":0.29348014082227436},{"text":"Is now still a good time there for you?","start":12.559999,"end":14.58,"sentiment":"neutral","sentiment_score":0.25392284658220077},{"text":"Yep.","start":17.085001,"end":17.585001,"sentiment":"neutral","sentiment_score":0.15340355038642883},{"text":"No.","start":18.685001,"end":18.925,"sentiment":"neutral","sentiment_score":0.07974886894226074},{"text":"That's absolutely fine.","start":18.925,"end":20.285,"sentiment":"neutral","sentiment_score":0.18368907769521078}],"sentiment":"neutral","sentiment_score":0.2563659729702132,"num_words":28,"start":10.32,"end":20.285},{"sentences":[{"text":"Natalie, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":20.285,"end":25.085,"sentiment":"neutral","sentiment_score":0.05392111990262161},{"text":"Is that okay for us to proceed with that?","start":25.085,"end":27.105,"sentiment":"neutral","sentiment_score":0.05479815022812949},{"text":"Beautiful.","start":29.02,"end":29.52,"sentiment":"positive","sentiment_score":0.4318798184394837},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":29.66,"end":33.36,"sentiment":"neutral","sentiment_score":0.15223355730995536},{"text":"So just get you to confirm your full name, your date of birth, and address I should have on file.","start":33.58,"end":37.84,"sentiment":"neutral","sentiment_score":0.10434204936027527}],"sentiment":"neutral","sentiment_score":0.0975574369487517,"num_words":68,"start":20.285,"end":37.84},{"sentences":[{"text":"Yes, please.","start":40.475,"end":41.195,"sentiment":"neutral","sentiment_score":0.03697523847222328},{"text":"Yeah.","start":41.195,"end":41.695,"sentiment":"neutral","sentiment_score":0.03328223526477814},{"text":"Yep.","start":44.475,"end":44.975,"sentiment":"neutral","sentiment_score":0.017400216311216354},{"text":"Lovely.","start":51.195,"end":51.595,"sentiment":"positive","sentiment_score":0.39409205317497253},{"text":"Thank you so much for that.","start":51.595,"end":53.31,"sentiment":"positive","sentiment_score":0.597681979338328}],"sentiment":"positive","sentiment_score":0.3731651688841256,"num_words":11,"start":40.475,"end":53.31},{"sentences":[{"text":"How's everything been going for you?","start":53.63,"end":55.31,"sentiment":"positive","sentiment_score":0.362811803817749},{"text":"How's the start of the New Year?","start":55.31,"end":57.41,"sentiment":"neutral","sentiment_score":0.15852882393768855},{"text":"Yep.","start":58.025,"end":58.525,"sentiment":"neutral","sentiment_score":0.07798313349485397},{"text":"Is he?","start":59.14,"end":59.89,"sentiment":"neutral","sentiment_score":0.048090165480971336},{"text":"Yep.","start":62.91,"end":63.41,"sentiment":"neutral","sentiment_score":0.0011797118932008743}],"sentiment":"neutral","sentiment_score":0.20364210393060656,"num_words":17,"start":53.63,"end":63.41},{"sentences":[{"text":"Yeah.","start":67.244995,"end":67.744995,"sentiment":"neutral","sentiment_score":-0.021954432129859924},{"text":"Yeah.","start":70.445,"end":70.945,"sentiment":"neutral","sentiment_score":0.014830841682851316},{"text":"Yep.","start":72.924995,"end":73.424995,"sentiment":"neutral","sentiment_score":-0.04519067704677582},{"text":"Alright.","start":74.685,"end":75.185,"sentiment":"neutral","sentiment_score":-0.022683698683977127},{"text":"Fantastic.","start":79.34,"end":79.5,"sentiment":"neutral","sentiment_score":0.2947375178337097}],"sentiment":"neutral","sentiment_score":0.04394791033118963,"num_words":5,"start":67.244995,"end":79.5},{"sentences":[{"text":"Well, it's good to hear.","start":79.5,"end":80.38,"sentiment":"neutral","sentiment_score":0.21147579550743104},{"text":"I know it has been extremely busy for you.","start":80.38,"end":82.64,"sentiment":"neutral","sentiment_score":-0.016314232101043064},{"text":"I know you are very busy and probably still working today, so I'll try not to take up too much of your time.","start":82.939995,"end":87.259995,"sentiment":"neutral","sentiment_score":-0.03687198600306621},{"text":"But I know you completed your annual review late last year with my colleagues, they mentioned that you had some questions.","start":87.259995,"end":92.805,"sentiment":"neutral","sentiment_score":0.046427776770932336},{"text":"Wanted to maybe look at reviewing your super and reviewing your circumstances.","start":92.805,"end":96.585,"sentiment":"neutral","sentiment_score":0.03222827923794588}],"sentiment":"neutral","sentiment_score":0.020345969622888205,"num_words":70,"start":79.5,"end":96.585},{"sentences":[{"text":"Is that right?","start":96.885,"end":97.785,"sentiment":"neutral","sentiment_score":0.03887151119609674},{"text":"Mhmm.","start":114.5,"end":114.82,"sentiment":"neutral","sentiment_score":0.010672301985323427},{"text":"Yep.","start":114.82,"end":115.32,"sentiment":"neutral","sentiment_score":0.0024902387522161007},{"text":"No.","start":125.465,"end":125.784996,"sentiment":"neutral","sentiment_score":-0.05972294881939888},{"text":"That's okay.","start":125.784996,"end":126.685,"sentiment":"neutral","sentiment_score":0.08342863246798515}],"sentiment":"neutral","sentiment_score":0.029613923805300146,"num_words":8,"start":96.885,"end":126.685},{"sentences":[{"text":"So the main sort of difference with the Australian is that and I can have a look at what they have been reporting as the returns on their per portfolios.","start":126.744995,"end":135.06,"sentiment":"neutral","sentiment_score":0.06639118858923515},{"text":"But, essentially, returns are individual.","start":135.92,"end":137.94,"sentiment":"neutral","sentiment_score":0.04168558530509472},{"text":"When you do look at what the portfolios in in the industry funds are reporting, they are giving you a gross reporting on their website.","start":138.4,"end":145.295,"sentiment":"neutral","sentiment_score":0.04237162210047245},{"text":"It could be very different to what you are getting internally.","start":146.235,"end":149.055,"sentiment":"neutral","sentiment_score":-0.013461436906998808},{"text":"One of the main sort of differences with being within Netwealth or one of the adviser platforms that we tend to advise on is that we can give you more personalized returns on your portfolio, review things with you.","start":149.275,"end":161.74,"sentiment":"neutral","sentiment_score":0.13851611192027727}],"sentiment":"neutral","sentiment_score":0.07739551541480151,"num_words":110,"start":126.744995,"end":161.74},{"sentences":[{"text":"Another sort of advantage to what we do over the industry funds is that the industry funds have very much limited access to investments Because they have such large funds, they have to outsource to investment managers to be able to invest.","start":162.20001,"end":175.285,"sentiment":"neutral","sentiment_score":0.10390275228945982},{"text":"They do have a limited amount of investment options to be able to choose from.","start":175.585,"end":179.265,"sentiment":"neutral","sentiment_score":0.0735727791984876},{"text":"So it does sort of limit what you're able to invest in if there's something that sort of suits yourself or something you wanted to look at.","start":179.265,"end":186.12,"sentiment":"neutral","sentiment_score":0.04754238396331116},{"text":"Whereas with our with us and looking at these portfolios like Netwealth, Hub24, and those sort of things, we get access to thousands of different investment options.","start":186.66,"end":196.78499,"sentiment":"neutral","sentiment_score":0.16245515285818665},{"text":"So we can build portfolios that are working for you, but we can also look at individual cases.","start":196.78499,"end":202.70499,"sentiment":"neutral","sentiment_score":0.2914016718665759}],"sentiment":"neutral","sentiment_score":0.12699744861948398,"num_words":129,"start":162.20001,"end":202.70499},{"sentences":[{"text":"And if there's something that interests you or you wanna see your money invested in, we can always alter portfolios to reflect that for you as well.","start":202.70499,"end":209.92499,"sentiment":"neutral","sentiment_score":0.26797048526781575},{"text":"But at the at the end of the day, like, if you're not comfortable staying on board, you would like to go back to an industry super fund, that is absolutely fine.","start":210.65,"end":218.03,"sentiment":"neutral","sentiment_score":0.2049133195541799},{"text":"You just let us know.","start":218.33,"end":219.45,"sentiment":"positive","sentiment_score":0.38995490670204164},{"text":"We can turn our fees off and help you roll back.","start":219.45,"end":222.17,"sentiment":"positive","sentiment_score":0.3898029191927476},{"text":"There is no problem with that whatsoever.","start":222.17,"end":224.365,"sentiment":"positive","sentiment_score":0.5298478177615574}],"sentiment":"neutral","sentiment_score":0.2894996426454404,"num_words":82,"start":202.70499,"end":224.365},{"sentences":[{"text":"And you're never locked into any contracts with us either.","start":225.30501,"end":227.945,"sentiment":"positive","sentiment_score":0.3872365206480026},{"text":"So it is completely up to you, your personal preference, and certainly what you wanna achieve moving forward there as well.","start":227.945,"end":233.88501,"sentiment":"positive","sentiment_score":0.5894253438427335},{"text":"Yeah.","start":235.73999,"end":236.23999,"sentiment":"neutral","sentiment_score":0.04816071689128876},{"text":"Yeah.","start":247.75499,"end":248.25499,"sentiment":"neutral","sentiment_score":0.0889597237110138},{"text":"Correct.","start":248.555,"end":249.055,"sentiment":"neutral","sentiment_score":0.3265497386455536}],"sentiment":"positive","sentiment_score":0.49158728254192013,"num_words":34,"start":225.30501,"end":249.055},{"sentences":[{"text":"Definitely.","start":249.275,"end":249.775,"sentiment":"positive","sentiment_score":0.5083747506141663},{"text":"Yeah.","start":249.995,"end":250.31499,"sentiment":"neutral","sentiment_score":0.31295299530029297},{"text":"If you just wanted to be in a low cost fund where no one's really sort of reviewing the portfolio where it just sort of sits is in, like, a default fund and it just look at it every so often when you're comfortable sort of looking at things, you can absolutely, you know, be in an industry fund.","start":250.31499,"end":264.62,"sentiment":"neutral","sentiment_score":0.3132492945355884},{"text":"There is nothing wrong with that whatsoever.","start":264.62,"end":266.16,"sentiment":"positive","sentiment_score":0.5350170646395002},{"text":"With having a financial adviser and being one of our mutual clients, we wanna make sure you're getting value for it.","start":267.34,"end":272.86002,"sentiment":"positive","sentiment_score":0.6955597542581105}],"sentiment":"positive","sentiment_score":0.4230888810720337,"num_words":89,"start":249.275,"end":272.86002},{"sentences":[{"text":"So we do wanna do catch ups with you.","start":272.86002,"end":274.7,"sentiment":"positive","sentiment_score":0.47010396586524117},{"text":"We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services.","start":274.7,"end":283.44498,"sentiment":"positive","sentiment_score":0.3712691515684128},{"text":"It's also not just about super.","start":283.44498,"end":285.28497,"sentiment":"neutral","sentiment_score":0.2628774866461754},{"text":"It's about looking towards your retirement and any other goals that you might have as well.","start":285.28497,"end":289.76498,"sentiment":"positive","sentiment_score":0.3369556665420532},{"text":"So we can give you access to mortgage brokers if you were looking to, you know, alter or change your mortgage structure or, you know, buy a new property or something like that.","start":289.76498,"end":300.11,"sentiment":"neutral","sentiment_score":0.2467612705447457}],"sentiment":"neutral","sentiment_score":0.321621820163191,"num_words":89,"start":272.86002,"end":300.11},{"sentences":[{"text":"We can look at and provide additional advice around investing outside of super.","start":300.25,"end":305.71,"sentiment":"neutral","sentiment_score":0.2897706857094398},{"text":"But one of my main sort of goals here is helping you work towards with your super work towards your retirement, so looking at what your retirement what you want it to look like, how we can help you to get there, keep you on track to do that, and review the portfolios, review your risk level, and just make sure you're invested correctly and that your investments remain working for you, if that makes sense.","start":306.13498,"end":326.79,"sentiment":"positive","sentiment_score":0.46384440127171966},{"text":"Yeah.","start":327.41,"end":327.91,"sentiment":"neutral","sentiment_score":0.08528589457273483},{"text":"No.","start":329.985,"end":330.485,"sentiment":"neutral","sentiment_score":-0.12977716326713562},{"text":"Definitely not.","start":337.34497,"end":338.38498,"sentiment":"neutral","sentiment_score":-0.23370832204818726}],"sentiment":"positive","sentiment_score":0.41405683331271653,"num_words":93,"start":300.25,"end":338.38498},{"sentences":[{"text":"No.","start":338.38498,"end":338.625,"sentiment":"neutral","sentiment_score":-0.2182190418243408},{"text":"No.","start":338.625,"end":338.94498,"sentiment":"neutral","sentiment_score":-0.23540379106998444},{"text":"I mean, how much you're earning does have an impact on the contributions that you have going into your super fund.","start":338.94498,"end":344.72498,"sentiment":"neutral","sentiment_score":-0.028344814443872088},{"text":"But, you know, at the end of the day, the retirement aspect, I've got clients who are on very little incomes who are putting more money into super and making it work harder for them.","start":345.77002,"end":354.57,"sentiment":"neutral","sentiment_score":-0.30471330114773343},{"text":"I've got clients with higher incomes who are not putting in as much, and they might not be getting as bigger return.","start":354.57,"end":360.35,"sentiment":"neutral","sentiment_score":-0.2580084509470246}],"sentiment":"neutral","sentiment_score":-0.21737519246526063,"num_words":80,"start":338.38498,"end":360.35},{"sentences":[{"text":"The other thing that's considered is the returns definitely make a difference as your balance increases too.","start":361.345,"end":366.225,"sentiment":"neutral","sentiment_score":0.19644039255731247},{"text":"So if you think about your balance, as it gets bigger, smaller changes to the market fluctuations have a much bigger impact.","start":366.225,"end":374.51,"sentiment":"neutral","sentiment_score":0.14022345265204256},{"text":"If you look at maybe a 5% return on someone with $50,000, 5% isn't a great deal more.","start":374.51,"end":380.59,"sentiment":"neutral","sentiment_score":0.08053600167234738},{"text":"However, someone with 500,000 getting the same 5% return, there's a much larger difference there.","start":380.59,"end":386.29,"sentiment":"neutral","sentiment_score":0.045216649770736694},{"text":"And and, like, our advice doesn't end at the point that you retire.","start":387.155,"end":390.695,"sentiment":"neutral","sentiment_score":0.15486170064944488}],"sentiment":"neutral","sentiment_score":0.12430002961088629,"num_words":85,"start":361.345,"end":390.695},{"sentences":[{"text":"When you get to retirement, you wanna start drawing money out.","start":391.155,"end":393.875,"sentiment":"neutral","sentiment_score":0.16604408418590372},{"text":"We provide advice on how to structure that withdrawal.","start":393.875,"end":396.61502,"sentiment":"neutral","sentiment_score":0.23786227405071259},{"text":"We have access in different structures.","start":397.155,"end":398.915,"sentiment":"neutral","sentiment_score":0.19442689418792725},{"text":"So if you're wanting to access Centrelink and you might not, you know, be eligible, we can also change the structures of your super to be able to try and maximize Centrelink eligibility whilst drawing down out of super, gives you longevity.","start":398.915,"end":411.9,"sentiment":"neutral","sentiment_score":0.2831857938851629},{"text":"So we just sort of tailor the advice towards your goals and what you're after, which is more of a personal sort of scenario because no one's goals are ever exactly the same.","start":412.44,"end":422.005,"sentiment":"neutral","sentiment_score":0.14141627587378025}],"sentiment":"neutral","sentiment_score":0.2147955168776288,"num_words":101,"start":391.155,"end":422.005},{"sentences":[{"text":"Everyone has different needs and wants.","start":422.005,"end":424.005,"sentiment":"neutral","sentiment_score":-0.008058683946728706},{"text":"So yeah.","start":424.005,"end":426.585,"sentiment":"neutral","sentiment_score":0.032896777614951134},{"text":"Yeah.","start":427.15,"end":427.65,"sentiment":"neutral","sentiment_score":0.015692302957177162},{"text":"Yeah.","start":428.91,"end":429.41,"sentiment":"neutral","sentiment_score":0.0062699150294065475},{"text":"Well, you're right.","start":436.11,"end":437.65,"sentiment":"neutral","sentiment_score":0.02542830320696036}],"sentiment":"neutral","sentiment_score":0.008899121473614987,"num_words":13,"start":422.005,"end":437.65},{"sentences":[{"text":"You yeah.","start":437.78998,"end":439.33,"sentiment":"neutral","sentiment_score":0.003401532769203186},{"text":"Yeah.","start":444.995,"end":445.47498,"sentiment":"neutral","sentiment_score":0.03078705444931984},{"text":"So you completed your annual review last year with my colleagues.","start":445.47498,"end":448.775,"sentiment":"neutral","sentiment_score":0.1603783978657289},{"text":"I believe it might have been Samantha.","start":449.315,"end":451.25497,"sentiment":"neutral","sentiment_score":0.051299363906894414},{"text":"And, yeah, out of that, she mentioned that you had some questions mostly about whether to stay with us and what our services entail.","start":452.13,"end":458.21,"sentiment":"neutral","sentiment_score":0.058554149232804775}],"sentiment":"neutral","sentiment_score":0.07924772500991821,"num_words":45,"start":437.78998,"end":458.21},{"sentences":[{"text":"So kind of like the last question you sort of asked.","start":458.21,"end":461.11002,"sentiment":"neutral","sentiment_score":0.016792746430093593},{"text":"Yeah.","start":461.73,"end":462.23,"sentiment":"neutral","sentiment_score":0.030151713639497757},{"text":"That's okay.","start":463.57,"end":464.39,"sentiment":"neutral","sentiment_score":0.18091514706611633},{"text":"Yeah.","start":466.505,"end":467.005,"sentiment":"neutral","sentiment_score":0.15479645133018494},{"text":"That's okay.","start":468.025,"end":468.92502,"sentiment":"neutral","sentiment_score":0.17481623589992523}],"sentiment":"neutral","sentiment_score":0.06359594950781149,"num_words":17,"start":458.21,"end":468.92502},{"sentences":[{"text":"Mhmm.","start":477.14502,"end":477.64502,"sentiment":"neutral","sentiment_score":-0.0026418124325573444},{"text":"Mhmm.","start":486.12997,"end":486.62997,"sentiment":"neutral","sentiment_score":-0.06125415861606598},{"text":"Yeah.","start":496.945,"end":497.445,"sentiment":"neutral","sentiment_score":-0.05900593101978302},{"text":"No.","start":497.505,"end":498.005,"sentiment":"neutral","sentiment_score":-0.12069910764694214},{"text":"Yeah.","start":499.745,"end":500.245,"sentiment":"neutral","sentiment_score":-0.01830320432782173}],"sentiment":"neutral","sentiment_score":-0.052380842808634046,"num_words":5,"start":477.14502,"end":500.245},{"sentences":[{"text":"No.","start":500.545,"end":501.025,"sentiment":"neutral","sentiment_score":-0.023067083209753036},{"text":"Absolutely.","start":501.025,"end":501.525,"sentiment":"neutral","sentiment_score":0.14725430309772491},{"text":"I think one of the things we wanna look at with is what is your medium term goals?","start":502.08,"end":505.91998,"sentiment":"neutral","sentiment_score":0.14654998067352507},{"text":"What are you hoping to achieve?","start":505.91998,"end":507.19998,"sentiment":"neutral","sentiment_score":0.16157939285039902},{"text":"Is super your main priority at the moment or is paying down your mortgage?","start":507.19998,"end":511.13998,"sentiment":"neutral","sentiment_score":0.02533680040921484}],"sentiment":"neutral","sentiment_score":0.10215696087107062,"num_words":40,"start":500.545,"end":511.13998},{"sentences":[{"text":"If I have a look here, I've got down here from your annual review late last year.","start":511.91998,"end":517.085,"sentiment":"neutral","sentiment_score":0.06969573173452825},{"text":"You noted that paying your house down was one of the bigger priorities that you had sort of in the medium term.","start":517.085,"end":522.045,"sentiment":"neutral","sentiment_score":0.06573785164139488},{"text":"Does that still sound like something that's important?","start":522.045,"end":525.265,"sentiment":"neutral","sentiment_score":0.05800952296704054},{"text":"Yep.","start":525.405,"end":525.905,"sentiment":"neutral","sentiment_score":0.17738871276378632},{"text":"Yep.","start":526.045,"end":526.545,"sentiment":"neutral","sentiment_score":0.1309436559677124}],"sentiment":"neutral","sentiment_score":0.0694585454707243,"num_words":49,"start":511.91998,"end":526.545},{"sentences":[{"text":"Having a look I'm so sorry.","start":527.485,"end":529.585,"sentiment":"neutral","sentiment_score":0.02993275597691536},{"text":"Yeah.","start":533.29004,"end":533.79004,"sentiment":"neutral","sentiment_score":0.03667574375867843},{"text":"Mhmm.","start":537.29004,"end":537.79004,"sentiment":"neutral","sentiment_score":0.053004782646894455},{"text":"Yep.","start":550.025,"end":550.525,"sentiment":"neutral","sentiment_score":0.06147414445877075},{"text":"Yeah.","start":554.6,"end":555.1,"sentiment":"neutral","sentiment_score":0.03971413895487785}],"sentiment":"neutral","sentiment_score":0.03704653456807137,"num_words":10,"start":527.485,"end":555.1},{"sentences":[{"text":"Absolutely.","start":556.04,"end":556.54,"sentiment":"neutral","sentiment_score":0.22511835396289823},{"text":"If you like, what I could do for you, Natalie, is I could go back and look at the advice.","start":556.92,"end":560.62,"sentiment":"neutral","sentiment_score":0.14785733669996262},{"text":"I could provide a personal advice document which decides or tells you whether we think you should put the money into your mortgage or into your super and the long term effect that that might have for you.","start":561.07996,"end":571.595,"sentiment":"neutral","sentiment_score":0.1383693691735205},{"text":"Did you want me to update some advice to help you out there?","start":571.595,"end":576.235,"sentiment":"neutral","sentiment_score":0.05529993801162793},{"text":"Yep.","start":576.235,"end":576.735,"sentiment":"neutral","sentiment_score":0.14813393354415894}],"sentiment":"neutral","sentiment_score":0.1274977293733048,"num_words":73,"start":556.04,"end":576.735},{"sentences":[{"text":"Per perfect.","start":578.235,"end":579.45496,"sentiment":"positive","sentiment_score":0.35079383850097656},{"text":"Not a problem at all.","start":579.83496,"end":581.135,"sentiment":"neutral","sentiment_score":0.24733346402645112},{"text":"After the call, am I able to grab a copy of your most recent home loan statement?","start":581.195,"end":586.33,"sentiment":"neutral","sentiment_score":0.09064069258816101},{"text":"I just sort of need to see the information on how much you owe, what your interest rate is, your your minimum rate payments, and things like that on the home loan statement.","start":586.33,"end":594.97,"sentiment":"neutral","sentiment_score":0.0718091760169376},{"text":"If I send you an email after the call, can you email me a copy of one of those?","start":594.97,"end":598.91,"sentiment":"neutral","sentiment_score":0.06877328926011135}],"sentiment":"neutral","sentiment_score":0.09415186941623688,"num_words":76,"start":578.235,"end":598.91},{"sentences":[{"text":"Yep.","start":604.075,"end":604.395,"sentiment":"neutral","sentiment_score":0.0687355324625969},{"text":"That's okay.","start":604.395,"end":605.21497,"sentiment":"neutral","sentiment_score":0.25104399770498276},{"text":"Yep.","start":605.755,"end":606.15497,"sentiment":"neutral","sentiment_score":0.28042131662368774},{"text":"That's absolutely fine.","start":606.15497,"end":607.355,"sentiment":"positive","sentiment_score":0.5891800026098887},{"text":"It takes me a little couple of weeks to put the research together because we are looking at the home loan versus versus putting the money into super and what that sort of entails.","start":607.355,"end":616.04,"sentiment":"neutral","sentiment_score":0.02452655870686559}],"sentiment":"neutral","sentiment_score":0.08421189874047186,"num_words":41,"start":604.075,"end":616.04},{"sentences":[{"text":"Yeah.","start":616.18,"end":616.68,"sentiment":"neutral","sentiment_score":0.0017179036512970924},{"text":"No.","start":618.98,"end":619.48,"sentiment":"neutral","sentiment_score":-0.14501777291297913},{"text":"Yeah.","start":621.54,"end":621.94,"sentiment":"neutral","sentiment_score":-0.022665517404675484},{"text":"No.","start":621.94,"end":622.26,"sentiment":"neutral","sentiment_score":-0.08387742191553116},{"text":"Not yep.","start":622.26,"end":624.76,"sentiment":"neutral","sentiment_score":-0.1577601134777069}],"sentiment":"neutral","sentiment_score":-0.09422717258955042,"num_words":6,"start":616.18,"end":624.76},{"sentences":[{"text":"Yep.","start":637.89,"end":638.39,"sentiment":"neutral","sentiment_score":-0.11328154802322388},{"text":"Yeah.","start":640.93,"end":641.41,"sentiment":"neutral","sentiment_score":0.05081953480839729},{"text":"Absolutely.","start":641.41,"end":641.91,"sentiment":"neutral","sentiment_score":0.2185353934764862},{"text":"And that's a really good point to bring up.","start":642.21,"end":644.05,"sentiment":"positive","sentiment_score":0.46299807561768425},{"text":"So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path.","start":644.05,"end":650.93,"sentiment":"neutral","sentiment_score":0.0679167115688324}],"sentiment":"neutral","sentiment_score":0.16272902297409805,"num_words":37,"start":637.89,"end":650.93},{"sentences":[{"text":"But, essentially, as an ongoing client of Oakview Financial, you do actually receive additional advice with no extra charge.","start":650.93,"end":657.625,"sentiment":"neutral","sentiment_score":0.24386614953216754},{"text":"And, essentially, all you're doing is being an ongoing service client.","start":658.005,"end":661.04504,"sentiment":"neutral","sentiment_score":0.16023693707856265},{"text":"You do pay us an ongoing service fee every year.","start":661.04504,"end":663.765,"sentiment":"neutral","sentiment_score":0.11764743402600289},{"text":"It is 1.65% per annum.","start":663.765,"end":666.265,"sentiment":"neutral","sentiment_score":0.09871815145015717},{"text":"That is deducted in smaller monthly increments.","start":666.89996,"end":669.48,"sentiment":"neutral","sentiment_score":0.078343751175063}],"sentiment":"neutral","sentiment_score":0.16566412509060824,"num_words":52,"start":650.93,"end":669.48},{"sentences":[{"text":"So our fee is deducted out of your super in smaller monthly amounts, and the idea of a percentage fee is that it fluctuates with the market.","start":669.62,"end":677.06,"sentiment":"neutral","sentiment_score":0.06939050196497529},{"text":"It is linked to the performance of your super.","start":677.06,"end":679.24,"sentiment":"neutral","sentiment_score":0.05757862205306689},{"text":"So when the market is doing better, when we are seeing greater performance, then our fee is gonna increase slightly.","start":679.365,"end":685.385,"sentiment":"neutral","sentiment_score":-0.018991030007600784},{"text":"However, when the market does take a dip because we can't control what how markets react, then it means that our fee does go down with it.","start":685.605,"end":693.93,"sentiment":"neutral","sentiment_score":-0.06469358752171199},{"text":"So our fee is linked to to the market and to your super performance as well.","start":693.93,"end":699.23,"sentiment":"neutral","sentiment_score":0.0741116814315319}],"sentiment":"neutral","sentiment_score":0.014656470618163697,"num_words":99,"start":669.62,"end":699.23},{"sentences":[{"text":"It does sort of mean that we do ask that you do return the annual review pack.","start":699.93,"end":703.77,"sentiment":"neutral","sentiment_score":0.08859496470540762},{"text":"I will double check after the call to see if it has been.","start":703.77,"end":706.33,"sentiment":"neutral","sentiment_score":-0.017017068914495982},{"text":"I'm not able to find that at the moment.","start":706.33,"end":708.17,"sentiment":"neutral","sentiment_score":-0.27200549840927124},{"text":"I'm so sorry.","start":708.17,"end":709.07,"sentiment":"neutral","sentiment_score":-0.15774666766325632},{"text":"But I'll I'll I'll obviously go back and I'll just try to the email.","start":710.49506,"end":713.85504,"sentiment":"neutral","sentiment_score":0.08869996560471398}],"sentiment":"neutral","sentiment_score":-0.007046383323280939,"num_words":56,"start":699.93,"end":713.85504},{"sentences":[{"text":"I'll just confirm whether that has been returned and signed or not.","start":713.85504,"end":717.79504,"sentiment":"neutral","sentiment_score":0.09697315966089566},{"text":"But it's all we ask because after the annual review, you do return the pack there, sign the ongoing service agreement for us, and we do apply that to the account.","start":717.85504,"end":725.31,"sentiment":"neutral","sentiment_score":0.17660995176242245},{"text":"You think you yep.","start":725.37,"end":726.88995,"sentiment":"neutral","sentiment_score":0.024098867084831},{"text":"Yep.","start":726.88995,"end":727.38995,"sentiment":"neutral","sentiment_score":0.15960213541984558},{"text":"That's okay.","start":729.29,"end":730.11,"sentiment":"neutral","sentiment_score":0.1488010361790657}],"sentiment":"neutral","sentiment_score":0.1438437219336629,"num_words":50,"start":713.85504,"end":730.11},{"sentences":[{"text":"Perfect.","start":730.73,"end":731.23,"sentiment":"neutral","sentiment_score":0.2571556568145752},{"text":"That's okay.","start":734.405,"end":735.125,"sentiment":"neutral","sentiment_score":0.17745238542556763},{"text":"I can double check that for you.","start":735.125,"end":736.965,"sentiment":"neutral","sentiment_score":0.2569776965039117},{"text":"But it's important to note that by returning that pack and paying your ongoing service fee, it does entitle you to additional advice there, which is there's no implementation fees or no charges for additional advice currently.","start":736.965,"end":747.78503,"sentiment":"neutral","sentiment_score":0.11695830242053883},{"text":"Obviously, things could change down the the track there, but this is all inclusive at the moment.","start":748.51,"end":753.14996,"sentiment":"neutral","sentiment_score":0.05031163048218278}],"sentiment":"neutral","sentiment_score":0.11865092517109588,"num_words":64,"start":730.73,"end":753.14996},{"sentences":[{"text":"So we just wanna make sure we're working harder for you.","start":753.14996,"end":755.97,"sentiment":"neutral","sentiment_score":0.12158953127535907},{"text":"And there's no locking contract in any way, shape, or form.","start":756.67,"end":759.63,"sentiment":"neutral","sentiment_score":-0.08809726261957125},{"text":"So if you decide at any point throughout the year that you don't want the advice, you don't want us to sort of manage things, you can just tell us to turn the fees off, and we can help you roll to wherever you want.","start":759.63,"end":769.435,"sentiment":"neutral","sentiment_score":0.017496429963244332},{"text":"You're by no means obligated to stay if you're not comfortable and not happy with the services we're providing.","start":769.435,"end":774.495,"sentiment":"neutral","sentiment_score":-0.2815885890863444},{"text":"Yeah.","start":775.03503,"end":775.53503,"sentiment":"neutral","sentiment_score":0.008526541292667389}],"sentiment":"neutral","sentiment_score":-0.048113820089519706,"num_words":87,"start":753.14996,"end":775.53503},{"sentences":[{"text":"Yeah.","start":778.01,"end":778.51,"sentiment":"neutral","sentiment_score":0.22304610908031464},{"text":"Yep.","start":782.01,"end":782.51,"sentiment":"neutral","sentiment_score":0.2522822320461273},{"text":"Yeah.","start":789.225,"end":789.725,"sentiment":"neutral","sentiment_score":0.21622605621814728},{"text":"Yeah.","start":794.665,"end":795.165,"sentiment":"neutral","sentiment_score":-0.16791167855262756},{"text":"Of course.","start":799.70496,"end":800.365,"sentiment":"neutral","sentiment_score":-0.08169296383857727}],"sentiment":"neutral","sentiment_score":0.06004279851913452,"num_words":6,"start":778.01,"end":800.365},{"sentences":[{"text":"Yeah.","start":808.36,"end":808.86,"sentiment":"neutral","sentiment_score":-0.03474249318242073},{"text":"You mean, like, the age pension?","start":813.015,"end":814.715,"sentiment":"neutral","sentiment_score":-0.053425466331342854},{"text":"Yeah.","start":816.375,"end":816.775,"sentiment":"neutral","sentiment_score":-0.02671562507748604},{"text":"No.","start":816.775,"end":817.015,"sentiment":"neutral","sentiment_score":-0.21334367990493777},{"text":"It is still a thing.","start":817.015,"end":818.29504,"sentiment":"neutral","sentiment_score":-0.19624610543251036}],"sentiment":"neutral","sentiment_score":-0.11261322309396096,"num_words":14,"start":808.36,"end":818.29504},{"sentences":[{"text":"I can safely tell you the age pension is still a thing.","start":818.29504,"end":821.35504,"sentiment":"neutral","sentiment_score":-0.01174075591067473},{"text":"It is gonna be very prevalent over the next couple of years.","start":821.895,"end":824.53503,"sentiment":"neutral","sentiment_score":-0.11624328543742497},{"text":"We do have a lot of the baby boomers about to retire, so we do have a lot of people with a very low super balance about to enter retirement.","start":824.53503,"end":831.89,"sentiment":"neutral","sentiment_score":-0.18023470565676689},{"text":"And it is gonna cost taxpayers a lot of money over the next sort of ten years or so, but the age pension with Centrelink and with the government is still a thing.","start":831.89,"end":840.93,"sentiment":"negative","sentiment_score":-0.4005181094010671},{"text":"It is still funded by tax payers.","start":840.93,"end":843.375,"sentiment":"neutral","sentiment_score":-0.18048727938107081}],"sentiment":"neutral","sentiment_score":-0.2279080662955629,"num_words":94,"start":818.29504,"end":843.375},{"sentences":[{"text":"They're not in any way, shape, or form at this point in time removing that.","start":843.375,"end":847.535,"sentiment":"neutral","sentiment_score":-0.30571663777033486},{"text":"However, I'm 41, and I'm personally not banking on there being much in the way they change eligible to me.","start":847.535,"end":854.33496,"sentiment":"neutral","sentiment_score":-0.3042244970798492},{"text":"I think down the track in, you know, twenty or thirty years, they are gonna have to restructure the way it does work, but we are always gonna have to have some sort of backup, some sort of government incentive.","start":854.33496,"end":865.32,"sentiment":"neutral","sentiment_score":-0.2182787386700511},{"text":"Absolutely.","start":865.62006,"end":866.12006,"sentiment":"neutral","sentiment_score":-0.04906163364648819},{"text":"Yeah.","start":866.58,"end":867.08,"sentiment":"neutral","sentiment_score":-0.10282319039106368}],"sentiment":"neutral","sentiment_score":-0.25393862180508575,"num_words":77,"start":843.375,"end":867.08},{"sentences":[{"text":"Yeah.","start":868.83496,"end":869.33496,"sentiment":"neutral","sentiment_score":-0.06682633608579636},{"text":"No.","start":873.15497,"end":873.555,"sentiment":"neutral","sentiment_score":-0.151685893535614},{"text":"That's okay.","start":873.555,"end":874.355,"sentiment":"neutral","sentiment_score":0.02009772788733244},{"text":"You can always if you're hearing anything like this that is concerning, please let me know.","start":874.355,"end":878.595,"sentiment":"neutral","sentiment_score":0.06882353965193033},{"text":"After the call, I'll email you.","start":878.595,"end":880.535,"sentiment":"neutral","sentiment_score":0.07674929561714332}],"sentiment":"neutral","sentiment_score":0.05320598593411537,"num_words":26,"start":868.83496,"end":880.535},{"sentences":[{"text":"That way, you do have my direct email.","start":880.75,"end":882.59,"sentiment":"neutral","sentiment_score":0.13079992309212685},{"text":"You're welcome to ask me questions.","start":882.59,"end":884.27,"sentiment":"neutral","sentiment_score":0.2848758011435469},{"text":"Part of our services is if you're unsure, you think of something that you might wanna ask, you can email me, call me.","start":884.27,"end":890.19,"sentiment":"neutral","sentiment_score":0.03867361743165099},{"text":"I'll book in a time to do a catch up with you and see how things are traveling.","start":890.19,"end":893.97003,"sentiment":"neutral","sentiment_score":0.1132368128746748},{"text":"If you hear something that's concerning, give me a buzz.","start":894.435,"end":897.155,"sentiment":"neutral","sentiment_score":-0.0008660038933157921}],"sentiment":"neutral","sentiment_score":0.0873038459282655,"num_words":65,"start":880.75,"end":897.155},{"sentences":[{"text":"Let me know.","start":897.155,"end":897.635,"sentiment":"neutral","sentiment_score":0.02086660824716091},{"text":"If I'm not sure, I'll go and find out and and return an email or give you a call and have a chat to you about it.","start":897.635,"end":903.235,"sentiment":"neutral","sentiment_score":0.03457214396998838},{"text":"So you can definitely use our services for other aspects or just for a bit of a catch up here and there if you need to as well.","start":903.235,"end":910.26,"sentiment":"positive","sentiment_score":0.4795846486730235},{"text":"But it just comes down to your your your comfort level as well.","start":911.04004,"end":914.24005,"sentiment":"positive","sentiment_score":0.3471798495604442},{"text":"I don't ever want you to feel like you're being forced to stay here.","start":914.24005,"end":917.60004,"sentiment":"neutral","sentiment_score":-0.23839003326637404}],"sentiment":"neutral","sentiment_score":0.1835328876862631,"num_words":85,"start":897.155,"end":917.60004},{"sentences":[{"text":"You definitely do not have to.","start":917.60004,"end":919.78,"sentiment":"neutral","sentiment_score":0.05183792486786842},{"text":"But I do would like to maybe go back and do some updated advice for you.","start":920.375,"end":924.295,"sentiment":"neutral","sentiment_score":0.27805355470627546},{"text":"Let's have a look at what to do with the with the money you've inherited, whether paying down the mortgage is appropriate or whether putting in the super.","start":924.295,"end":931.435,"sentiment":"neutral","sentiment_score":0.06525267461048705},{"text":"The advice we provide as well, I'll provide the recommendations to you.","start":931.975,"end":936.38,"sentiment":"neutral","sentiment_score":0.1805460937321186},{"text":"We'll go through those together so you can see what I'm recommending, the advantages, the disadvantages, and the risks involved, and then you get to decide whether you take those recommendations.","start":936.38,"end":945.52,"sentiment":"neutral","sentiment_score":0.13880928149146418}],"sentiment":"neutral","sentiment_score":0.14039355015722654,"num_words":93,"start":917.60004,"end":945.52},{"sentences":[{"text":"You can decide to take all, some, or none of them so ever.","start":946.7,"end":949.945,"sentiment":"neutral","sentiment_score":0.1933934631255957},{"text":"It's all, you know, up to you and how you feel and, yeah, your comfort level.","start":949.945,"end":955.245,"sentiment":"neutral","sentiment_score":0.30494684260338545},{"text":"Yeah.","start":956.26495,"end":956.76495,"sentiment":"neutral","sentiment_score":0.052549853920936584},{"text":"Yeah.","start":960.825,"end":961.325,"sentiment":"neutral","sentiment_score":0.026943357661366463},{"text":"Yes.","start":971.0,"end":971.48,"sentiment":"neutral","sentiment_score":0.07021316885948181}],"sentiment":"neutral","sentiment_score":0.23571784008527175,"num_words":32,"start":946.7,"end":971.48},{"sentences":[{"text":"Yeah.","start":971.48,"end":971.96,"sentiment":"neutral","sentiment_score":0.0965358167886734},{"text":"Sure.","start":971.96,"end":972.46,"sentiment":"neutral","sentiment_score":0.17045199871063232},{"text":"Quote's not a problem at all.","start":972.52,"end":974.205,"sentiment":"neutral","sentiment_score":0.2166443094611168},{"text":"I will may just go back and update those because the quotes generally only last for about thirty days from the insurers, but that's okay.","start":974.84503,"end":982.04504,"sentiment":"neutral","sentiment_score":0.11290736809372902},{"text":"It won't take as much to update those and send them through.","start":982.04504,"end":984.865,"sentiment":"neutral","sentiment_score":0.15159679328401884}],"sentiment":"neutral","sentiment_score":0.1379710976448324,"num_words":45,"start":971.48,"end":984.865},{"sentences":[{"text":"Just to confirm there, Natalie, your income I have is 65,900 per annum.","start":985.565,"end":991.06,"sentiment":"neutral","sentiment_score":0.19847805339556474},{"text":"Is that right?","start":991.06,"end":991.96,"sentiment":"neutral","sentiment_score":0.14475785940885544},{"text":"Yep.","start":995.7,"end":996.2,"sentiment":"neutral","sentiment_score":0.09066003561019896},{"text":"Yeah.","start":997.78,"end":998.28,"sentiment":"neutral","sentiment_score":0.027546025812625885},{"text":"No.","start":1000.515,"end":1001.015,"sentiment":"neutral","sentiment_score":-0.20920749008655548}],"sentiment":"neutral","sentiment_score":0.15386772861606196,"num_words":19,"start":985.565,"end":1001.015},{"sentences":[{"text":"That's it.","start":1007.395,"end":1008.215,"sentiment":"neutral","sentiment_score":0.09254207462072372},{"text":"Okay.","start":1008.59503,"end":1009.09503,"sentiment":"neutral","sentiment_score":0.27146726846694946},{"text":"Yep.","start":1009.395,"end":1009.895,"sentiment":"positive","sentiment_score":0.3439067006111145},{"text":"Yeah.","start":1017.49005,"end":1017.99005,"sentiment":"positive","sentiment_score":0.4272597730159759},{"text":"Absolutely.","start":1018.53,"end":1019.03,"sentiment":"positive","sentiment_score":0.38054609298706055}],"sentiment":"neutral","sentiment_score":0.26804399738709134,"num_words":6,"start":1007.395,"end":1019.03},{"sentences":[{"text":"Yeah.","start":1032.725,"end":1033.225,"sentiment":"neutral","sentiment_score":0.042188193649053574},{"text":"Wow.","start":1033.765,"end":1034.265,"sentiment":"neutral","sentiment_score":0.11661174893379211},{"text":"Because you work in your industry's debt collections from what I can see, but you're a hardship support officer.","start":1034.325,"end":1040.49,"sentiment":"neutral","sentiment_score":0.04362723407776732},{"text":"Is that right?","start":1040.49,"end":1041.31,"sentiment":"neutral","sentiment_score":0.057298886279265084},{"text":"Yeah.","start":1042.65,"end":1043.15,"sentiment":"neutral","sentiment_score":0.006949884817004204}],"sentiment":"neutral","sentiment_score":0.04666255734860897,"num_words":25,"start":1032.725,"end":1043.15},{"sentences":[{"text":"Absolutely.","start":1044.81,"end":1045.31,"sentiment":"neutral","sentiment_score":0.0524948313832283},{"text":"Oh, wow.","start":1049.4501,"end":1052.4451,"sentiment":"neutral","sentiment_score":0.002454526722431183},{"text":"Yep.","start":1058.985,"end":1059.485,"sentiment":"neutral","sentiment_score":-0.030201267451047897},{"text":"Yeah.","start":1065.4,"end":1065.8,"sentiment":"neutral","sentiment_score":-0.05011541023850441},{"text":"That's Absolutely.","start":1065.8,"end":1072.3,"sentiment":"neutral","sentiment_score":-0.09772749990224838}],"sentiment":"neutral","sentiment_score":-0.03119539895227977,"num_words":7,"start":1044.81,"end":1072.3},{"sentences":[{"text":"No.","start":1089.59,"end":1089.83,"sentiment":"neutral","sentiment_score":-0.215951144695282},{"text":"Of course.","start":1089.83,"end":1090.57,"sentiment":"neutral","sentiment_score":-0.16470040380954742},{"text":"Yep.","start":1096.39,"end":1096.89,"sentiment":"neutral","sentiment_score":-0.12095797061920166},{"text":"Yeah.","start":1098.5499,"end":1099.0499,"sentiment":"neutral","sentiment_score":-0.1104375347495079},{"text":"Yep.","start":1101.0449,"end":1101.5449,"sentiment":"neutral","sentiment_score":-0.02521493099629879}],"sentiment":"neutral","sentiment_score":-0.13366039811323085,"num_words":6,"start":1089.59,"end":1101.5449},{"sentences":[{"text":"Definitely.","start":1102.165,"end":1102.665,"sentiment":"neutral","sentiment_score":-0.04023773968219757},{"text":"Definitely.","start":1103.205,"end":1103.705,"sentiment":"neutral","sentiment_score":0.010700574144721031},{"text":"Yeah.","start":1110.405,"end":1110.905,"sentiment":"neutral","sentiment_score":-0.04654746130108833},{"text":"No.","start":1111.125,"end":1111.445,"sentiment":"neutral","sentiment_score":-0.15570536255836487},{"text":"Absolutely.","start":1111.445,"end":1111.945,"sentiment":"neutral","sentiment_score":-0.06848879903554916}],"sentiment":"neutral","sentiment_score":-0.06005575768649578,"num_words":5,"start":1102.165,"end":1111.945},{"sentences":[{"text":"Do you did you want me to maybe just get you to send me through a copy of a payslip after the call just to sort of reflect the income so we can have a look at that for you?","start":1113.0449,"end":1122.12,"sentiment":"neutral","sentiment_score":0.028189008915796877},{"text":"Yep.","start":1122.3401,"end":1122.8401,"sentiment":"neutral","sentiment_score":0.07091132551431656},{"text":"Yep.","start":1123.54,"end":1124.04,"sentiment":"neutral","sentiment_score":0.14258995652198792},{"text":"Perfect.","start":1124.9,"end":1125.4,"sentiment":"positive","sentiment_score":0.5984035134315491},{"text":"Easy.","start":1126.3049,"end":1126.5449,"sentiment":"positive","sentiment_score":0.432843804359436}],"sentiment":"neutral","sentiment_score":0.05391611264679919,"num_words":44,"start":1113.0449,"end":1126.5449},{"sentences":[{"text":"Not a problem at all.","start":1126.5449,"end":1128.0049,"sentiment":"neutral","sentiment_score":0.2861767202615738},{"text":"Now with income protection, not sure if we've kinda gone through before, but you can be covered for up to 70% of your current income if you're off work due to illness or injury.","start":1128.065,"end":1136.865,"sentiment":"neutral","sentiment_score":0.0822520569405135},{"text":"And when we look at income protection, they have what's called waiting periods.","start":1136.865,"end":1140.4049,"sentiment":"neutral","sentiment_score":0.01373126801963036},{"text":"This is how long you have to be on a call or have to be off work before you can actually make a claim.","start":1140.8099,"end":1145.5499,"sentiment":"neutral","sentiment_score":-0.012385625702639421},{"text":"Given your circumstances and any sort of sick or long service label, annually that you might have, do you feel like having a shorter waiting period, like, maybe thirty days might be more appropriate, or do you feel like having a longer waiting period might be fine to keep the cost lower for the income protection?","start":1146.0099,"end":1164.175,"sentiment":"neutral","sentiment_score":-0.010841309425554104}],"sentiment":"neutral","sentiment_score":0.026527209673076868,"num_words":132,"start":1126.5449,"end":1164.175},{"sentences":[{"text":"What's your thoughts there?","start":1164.235,"end":1165.615,"sentiment":"neutral","sentiment_score":-0.022458499763160944},{"text":"Yep.","start":1168.89,"end":1169.39,"sentiment":"neutral","sentiment_score":0.0315852053463459},{"text":"Yeah.","start":1174.7301,"end":1175.13,"sentiment":"neutral","sentiment_score":0.027733972296118736},{"text":"Yeah.","start":1175.13,"end":1175.4501,"sentiment":"neutral","sentiment_score":0.0632949024438858},{"text":"Definitely.","start":1175.4501,"end":1175.9501,"sentiment":"neutral","sentiment_score":0.17506149411201477}],"sentiment":"neutral","sentiment_score":0.02598019689321518,"num_words":8,"start":1164.235,"end":1175.9501},{"sentences":[{"text":"We will review them every year as part of your annual review process.","start":1176.17,"end":1179.63,"sentiment":"neutral","sentiment_score":0.14046072329466158},{"text":"And if you want us to increase, decrease, alter the insurances, we can absolutely help you with that.","start":1180.105,"end":1184.745,"sentiment":"neutral","sentiment_score":0.25582588008708423},{"text":"It's not a problem at all.","start":1184.745,"end":1186.0249,"sentiment":"neutral","sentiment_score":0.22055940330028534},{"text":"Yeah.","start":1186.0249,"end":1186.5249,"sentiment":"neutral","sentiment_score":0.08135436475276947},{"text":"We're we're OQ Financial.","start":1194.44,"end":1195.98,"sentiment":"neutral","sentiment_score":0.022691988851875067}],"sentiment":"neutral","sentiment_score":0.1887222377228595,"num_words":42,"start":1176.17,"end":1195.98},{"sentences":[{"text":"So we're the financial advisers.","start":1196.12,"end":1197.74,"sentiment":"neutral","sentiment_score":0.01761593110859394},{"text":"Yep.","start":1197.88,"end":1198.38,"sentiment":"neutral","sentiment_score":0.05233437567949295},{"text":"So we we help you apply for it, but it's applied for through insurance companies.","start":1202.44,"end":1207.925,"sentiment":"neutral","sentiment_score":0.059874485308925314},{"text":"So, like, Neos, MetLife, Zurich, OnePath.","start":1207.925,"end":1210.745,"sentiment":"neutral","sentiment_score":0.057722718765338264},{"text":"But we, essentially, as the financial advisers, go through the application process with you.","start":1211.285,"end":1215.685,"sentiment":"neutral","sentiment_score":0.0898238295423133}],"sentiment":"neutral","sentiment_score":0.06444881065953069,"num_words":41,"start":1196.12,"end":1215.685},{"sentences":[{"text":"We're the intermediaries.","start":1215.685,"end":1216.665,"sentiment":"neutral","sentiment_score":0.0893606220682462},{"text":"We make the recommendations and show you all the bits and pieces, and we help you to apply.","start":1217.125,"end":1222.12,"sentiment":"neutral","sentiment_score":0.12143839316235648},{"text":"Yeah.","start":1222.4199,"end":1222.9199,"sentiment":"neutral","sentiment_score":0.0576566681265831},{"text":"That's correct.","start":1227.22,"end":1228.12,"sentiment":"neutral","sentiment_score":0.04628085903823376},{"text":"Yeah.","start":1228.2599,"end":1228.6599,"sentiment":"neutral","sentiment_score":0.05632386729121208}],"sentiment":"neutral","sentiment_score":0.10642060786485671,"num_words":25,"start":1215.685,"end":1228.6599},{"sentences":[{"text":"So you've got your that's okay.","start":1228.6599,"end":1231.895,"sentiment":"neutral","sentiment_score":0.023161749665935833},{"text":"It's absolutely fine.","start":1231.895,"end":1233.175,"sentiment":"neutral","sentiment_score":0.23656460642814636},{"text":"So your life and TPD covers through Neos insurance company.","start":1233.175,"end":1236.715,"sentiment":"neutral","sentiment_score":0.15549250245094298},{"text":"Essentially, what would have happened is we would have done the application with you.","start":1237.335,"end":1240.935,"sentiment":"neutral","sentiment_score":0.1069946815924985},{"text":"We go into the portal and monitor everything.","start":1240.935,"end":1243.095,"sentiment":"neutral","sentiment_score":0.1089911051094532}],"sentiment":"neutral","sentiment_score":0.11642545670634363,"num_words":41,"start":1228.6599,"end":1243.095},{"sentences":[{"text":"So we help you apply for the cover.","start":1243.095,"end":1245.27,"sentiment":"neutral","sentiment_score":0.1495032235980034},{"text":"We're the advisers on the cover.","start":1245.3301,"end":1246.77,"sentiment":"neutral","sentiment_score":0.14014679193496704},{"text":"We get notified of any changes to it.","start":1246.77,"end":1249.27,"sentiment":"neutral","sentiment_score":0.13953794352710247},{"text":"We help you review it.","start":1249.3301,"end":1250.4501,"sentiment":"neutral","sentiment_score":0.19907156825065614},{"text":"We essentially look after and do everything.","start":1250.4501,"end":1252.4501,"sentiment":"neutral","sentiment_score":0.17108086390154703}],"sentiment":"neutral","sentiment_score":0.15723923462278702,"num_words":34,"start":1243.095,"end":1252.4501},{"sentences":[{"text":"It's just that the insurance is actually applied for through the insurance company.","start":1252.4501,"end":1255.91,"sentiment":"neutral","sentiment_score":0.11102439921635848},{"text":"But we monitor it.","start":1256.2101,"end":1257.25,"sentiment":"neutral","sentiment_score":0.11420133896172047},{"text":"We do everything to help you alter it.","start":1257.25,"end":1259.265,"sentiment":"neutral","sentiment_score":0.1997800711542368},{"text":"We are the intermediary.","start":1259.505,"end":1260.725,"sentiment":"neutral","sentiment_score":0.1662294864654541},{"text":"If you had to make a claim, we help you make the claim.","start":1260.9451,"end":1263.505,"sentiment":"neutral","sentiment_score":0.18006635285340822}],"sentiment":"neutral","sentiment_score":0.15486056304403714,"num_words":42,"start":1252.4501,"end":1263.505},{"sentences":[{"text":"We get the paperwork, and we work with you to get the claim processed.","start":1263.505,"end":1267.125,"sentiment":"neutral","sentiment_score":0.2183297106197902},{"text":"So we try to do all the hard work for you to make it easier and be the middle person between yourself and the insurer.","start":1267.185,"end":1273.365,"sentiment":"neutral","sentiment_score":0.2531584239006042},{"text":"Yeah.","start":1275.41,"end":1275.91,"sentiment":"neutral","sentiment_score":0.11097128689289092},{"text":"Yeah.","start":1276.29,"end":1276.79,"sentiment":"neutral","sentiment_score":0.12347565591335297},{"text":"That's okay.","start":1277.5701,"end":1278.55,"sentiment":"neutral","sentiment_score":0.20515809208154678}],"sentiment":"neutral","sentiment_score":0.23326371332933737,"num_words":43,"start":1263.505,"end":1278.55},{"sentences":[{"text":"Yeah.","start":1281.65,"end":1282.15,"sentiment":"neutral","sentiment_score":0.09059181809425354},{"text":"Yep.","start":1284.37,"end":1284.87,"sentiment":"neutral","sentiment_score":0.2020072191953659},{"text":"Perfect.","start":1285.73,"end":1286.23,"sentiment":"positive","sentiment_score":0.4753879904747009},{"text":"Yeah.","start":1290.075,"end":1290.575,"sentiment":"neutral","sentiment_score":0.06603577733039856},{"text":"Yep.","start":1291.275,"end":1291.775,"sentiment":"neutral","sentiment_score":0.034338705241680145}],"sentiment":"neutral","sentiment_score":0.17367230206727982,"num_words":5,"start":1281.65,"end":1291.775},{"sentences":[{"text":"No worries.","start":1295.355,"end":1296.075,"sentiment":"neutral","sentiment_score":0.039638880640268326},{"text":"Do you think with with the waiting period, you said you were comfortable with a longer waiting period.","start":1296.075,"end":1301.37,"sentiment":"neutral","sentiment_score":0.04515747187866105},{"text":"How long would you be comfortable with?","start":1301.37,"end":1302.97,"sentiment":"neutral","sentiment_score":0.02532330607729299},{"text":"Do you think sixty days of the waiting would be comfortable, or are you comfortable to wait out for ninety days prior to making a claim?","start":1302.97,"end":1309.3099,"sentiment":"neutral","sentiment_score":-0.02188098831818654},{"text":"The longest?","start":1315.065,"end":1315.805,"sentiment":"neutral","sentiment_score":-0.010472508147358894}],"sentiment":"neutral","sentiment_score":0.008718630637634884,"num_words":55,"start":1295.355,"end":1315.805},{"sentences":[{"text":"Yep.","start":1315.865,"end":1316.365,"sentiment":"neutral","sentiment_score":0.026183171197772023},{"text":"Yep.","start":1316.505,"end":1317.005,"sentiment":"neutral","sentiment_score":0.04589813947677612},{"text":"Not a problem at all.","start":1317.945,"end":1319.225,"sentiment":"neutral","sentiment_score":0.11082152873277665},{"text":"And with the other thing with income protection is there's a benefit period.","start":1319.225,"end":1322.345,"sentiment":"neutral","sentiment_score":-0.058718905999110296},{"text":"It's how long you can be on a claim for.","start":1322.345,"end":1324.265,"sentiment":"neutral","sentiment_score":-0.05999908521771431}],"sentiment":"neutral","sentiment_score":-0.024571589194238186,"num_words":30,"start":1315.865,"end":1324.265},{"sentences":[{"text":"It's really hard because we never know if we're gonna be off work or what the future's gonna hold.","start":1324.265,"end":1329.14,"sentiment":"neutral","sentiment_score":-0.23963520793538345},{"text":"But the longer the benefit period, the more expensive the premiums are.","start":1329.4401,"end":1333.38,"sentiment":"neutral","sentiment_score":-0.32904187093178433},{"text":"You can have the lowest, which is two years, and that essentially means that if you're off work on a claim at the two year mark, if you still can't go back to work, then the claim stops regardless.","start":1333.52,"end":1344.355,"sentiment":"neutral","sentiment_score":-0.07143895308940838},{"text":"So you've gotta find other ways to fund your income or go back to work.","start":1344.355,"end":1348.6951,"sentiment":"neutral","sentiment_score":0.06399839570124945},{"text":"You can have five years, which is generally a happy medium, being on a claim for up to five years.","start":1349.635,"end":1355.33,"sentiment":"positive","sentiment_score":0.44590610861778257}],"sentiment":"neutral","sentiment_score":-0.013424690138726008,"num_words":105,"start":1324.265,"end":1355.33},{"sentences":[{"text":"Most claims are done within a two year period.","start":1355.33,"end":1357.83,"sentiment":"neutral","sentiment_score":0.3082930627796385},{"text":"However, there might be a risk, especially if you're more of an administration worker and works in the office a lot, that then you might be back at work one, two, or three days a week.","start":1357.89,"end":1366.45,"sentiment":"neutral","sentiment_score":-0.30795100931492114},{"text":"So getting part from work or and a partial claim.","start":1366.45,"end":1369.585,"sentiment":"neutral","sentiment_score":0.03250461183488369},{"text":"So having a five year benefit period can be kind of a happy medium at lower cost.","start":1369.965,"end":1374.705,"sentiment":"positive","sentiment_score":0.5337139631018919},{"text":"You're not paying for the all the way up to $8.65 for a benefit period, but it also kinda gives you a little bit of extra protection over that two year time frame.","start":1374.765,"end":1383.345,"sentiment":"positive","sentiment_score":0.47966996106234466}],"sentiment":"neutral","sentiment_score":0.1611018422458853,"num_words":105,"start":1355.33,"end":1383.345},{"sentences":[{"text":"Would you like me to look at that for you and maybe provide a quote?","start":1383.5299,"end":1386.6699,"sentiment":"neutral","sentiment_score":0.2966471532980601},{"text":"Yeah?","start":1388.8099,"end":1389.3099,"sentiment":"neutral","sentiment_score":0.10527200996875764},{"text":"That's okay.","start":1391.61,"end":1392.25,"sentiment":"positive","sentiment_score":0.3338712006807327},{"text":"If you want me to break it down more, if you have questions, please ask.","start":1392.25,"end":1395.9299,"sentiment":"neutral","sentiment_score":0.1364025890827179},{"text":"There is no such thing as a silly question, so ask anything that you're thinking.","start":1395.9299,"end":1400.185,"sentiment":"neutral","sentiment_score":-0.07155330985163649}],"sentiment":"neutral","sentiment_score":0.1290721020680697,"num_words":48,"start":1383.5299,"end":1400.185},{"sentences":[{"text":"Yeah.","start":1402.885,"end":1403.385,"sentiment":"neutral","sentiment_score":-0.03782174736261368},{"text":"No.","start":1407.765,"end":1408.265,"sentiment":"neutral","sentiment_score":-0.2022382616996765},{"text":"Yeah.","start":1409.285,"end":1409.685,"sentiment":"neutral","sentiment_score":0.06429941207170486},{"text":"That's a really good question.","start":1409.685,"end":1410.9651,"sentiment":"neutral","sentiment_score":0.3125889390707016},{"text":"So for the benefit period, it's how long you can be on a claim for if you're on an income protection claim.","start":1410.9651,"end":1416.9299,"sentiment":"neutral","sentiment_score":0.08163733780384064}],"sentiment":"neutral","sentiment_score":0.10610685100158056,"num_words":30,"start":1402.885,"end":1416.9299},{"sentences":[{"text":"A two year benefit period means the claim period is shorter.","start":1417.47,"end":1421.01,"sentiment":"neutral","sentiment_score":0.08428725464777513},{"text":"So if you say, well, after your ninety days, you started your income protection claim, if you are off work for two years, then they'd be assessing whether you can go back to work at that time frame.","start":1421.23,"end":1432.4049,"sentiment":"neutral","sentiment_score":0.0007955941224568768},{"text":"If for that two if you had a two year benefit period on your income protection policy and at two years, you can't still go back to work, you're still off work and injured or ill, regardless of whether you can go back or not, that benefit stops.","start":1432.7849,"end":1445.55,"sentiment":"neutral","sentiment_score":-0.04498569013473267},{"text":"With a five year benefit period, you're extending it, so you can be on a income protection claim for up to five years.","start":1446.65,"end":1453.47,"sentiment":"neutral","sentiment_score":0.1040999649659447},{"text":"Most claims are completed within two years.","start":1453.93,"end":1456.9451,"sentiment":"neutral","sentiment_score":0.11595264396497182}],"sentiment":"neutral","sentiment_score":0.015779897269946854,"num_words":127,"start":1417.47,"end":1456.9451},{"sentences":[{"text":"However, there is a short component where the claim the person may have injured themselves or maybe they're off work for longer than two years.","start":1456.9451,"end":1465.505,"sentiment":"neutral","sentiment_score":-0.058625580668449404},{"text":"That five years doesn't make the the income protection premium more expensive because you're covering yourself for a longer time frame.","start":1465.505,"end":1473.41,"sentiment":"neutral","sentiment_score":-0.05965587683022022},{"text":"But there are instances where, say, if you're off work for that two years, something's happened to you.","start":1474.03,"end":1480.5951,"sentiment":"neutral","sentiment_score":-0.047153827216890126},{"text":"You've broken an arm or a leg or a back or something, and you might be able to go back to work part time.","start":1480.5951,"end":1485.0751,"sentiment":"neutral","sentiment_score":-0.0475067604954044},{"text":"So you may be on a partial claim, which is working a couple of days a week plus getting some money from the claim.","start":1485.0751,"end":1491.175,"sentiment":"neutral","sentiment_score":0.02082011631379525}],"sentiment":"neutral","sentiment_score":-0.037568404289361625,"num_words":112,"start":1456.9451,"end":1491.175},{"sentences":[{"text":"But it does cost more to have a longer benefit period because you are trying to cover yourself for a longer time frame.","start":1491.9551,"end":1498.3099,"sentiment":"neutral","sentiment_score":-0.029565439600011578},{"text":"Does that make sense?","start":1498.37,"end":1499.51,"sentiment":"neutral","sentiment_score":0.025343756657093763},{"text":"Yeah.","start":1499.73,"end":1500.23,"sentiment":"neutral","sentiment_score":0.02717970311641693},{"text":"Well Yeah.","start":1505.505,"end":1508.885,"sentiment":"neutral","sentiment_score":-0.009486191906034946},{"text":"Mhmm.","start":1509.265,"end":1509.765,"sentiment":"neutral","sentiment_score":-0.029622402042150497}],"sentiment":"neutral","sentiment_score":-0.019356295706764344,"num_words":31,"start":1491.9551,"end":1509.765},{"sentences":[{"text":"Yeah.","start":1512.545,"end":1513.045,"sentiment":"neutral","sentiment_score":0.013353455811738968},{"text":"So with the waiting period, that's how long you have to be off work before you can make a claim.","start":1517.425,"end":1522.6901,"sentiment":"neutral","sentiment_score":-0.03454747702926397},{"text":"So if you're taking a longer waiting period, it means that you would have to be off work for ninety days prior to you being able to submit the claim to the insurer, and then it generally takes another thirty days for the claim to be completely processed and the first payment to be made.","start":1522.6901,"end":1537.7151,"sentiment":"neutral","sentiment_score":-0.011874012649059296},{"text":"Yeah.","start":1540.255,"end":1540.755,"sentiment":"neutral","sentiment_score":0.0309043787419796},{"text":"Yeah.","start":1542.8151,"end":1543.3151,"sentiment":"neutral","sentiment_score":0.21835356950759888}],"sentiment":"neutral","sentiment_score":-0.01386421579772081,"num_words":78,"start":1512.545,"end":1543.3151},{"sentences":[{"text":"Absolutely.","start":1543.535,"end":1544.035,"sentiment":"positive","sentiment_score":0.5312585234642029},{"text":"Perfect.","start":1547.135,"end":1547.615,"sentiment":"positive","sentiment_score":0.6947234869003296},{"text":"I can take care of that.","start":1547.615,"end":1548.5751,"sentiment":"positive","sentiment_score":0.6749673982461294},{"text":"Not an issue at all.","start":1548.5751,"end":1550.035,"sentiment":"neutral","sentiment_score":0.2438444308936596},{"text":"And I can look at a ninety day waiting period and a two and a five year benefit period and show you the difference in what the premium cost might look like.","start":1550.23,"end":1558.09,"sentiment":"neutral","sentiment_score":0.057191313710063696}],"sentiment":"neutral","sentiment_score":0.18500290206736988,"num_words":45,"start":1543.535,"end":1558.09},{"sentences":[{"text":"Yep.","start":1558.3099,"end":1558.8099,"sentiment":"neutral","sentiment_score":0.1032344400882721},{"text":"Yep.","start":1559.5099,"end":1559.99,"sentiment":"neutral","sentiment_score":0.252180814743042},{"text":"Beautiful.","start":1559.99,"end":1560.49,"sentiment":"positive","sentiment_score":0.6659759283065796},{"text":"The other thing to sort of look at is I'm just sort of had a bit of a look at your super and the statements and things.","start":1561.11,"end":1567.225,"sentiment":"neutral","sentiment_score":0.08873641615112622},{"text":"If you wanted because we are looking at what to do with the the money you have as the inheritance.","start":1567.225,"end":1572.0449,"sentiment":"neutral","sentiment_score":0.00043244268745183944}],"sentiment":"neutral","sentiment_score":0.06851846545934677,"num_words":50,"start":1558.3099,"end":1572.0449},{"sentences":[{"text":"And, sorry, just to clarify, how much do you have how much did you receive as inheritance?","start":1572.265,"end":1576.605,"sentiment":"neutral","sentiment_score":-0.01804631214369746},{"text":"Okay.","start":1587.23,"end":1587.5499,"sentiment":"neutral","sentiment_score":0.00383578147739172},{"text":"Okay.","start":1587.5499,"end":1588.0499,"sentiment":"neutral","sentiment_score":0.010811439715325832},{"text":"Okay.","start":1590.845,"end":1591.345,"sentiment":"neutral","sentiment_score":0.019601721316576004},{"text":"Yep.","start":1592.9249,"end":1593.4249,"sentiment":"neutral","sentiment_score":0.047279611229896545}],"sentiment":"neutral","sentiment_score":-0.010726607271603175,"num_words":21,"start":1572.265,"end":1593.4249},{"sentences":[{"text":"So about 30,000 that you're able to to do something with?","start":1595.725,"end":1599.6649,"sentiment":"neutral","sentiment_score":0.029558756473389538},{"text":"Yep.","start":1601.1649,"end":1601.6649,"sentiment":"neutral","sentiment_score":0.007836641743779182},{"text":"20 5 thousand?","start":1603.01,"end":1604.23,"sentiment":"neutral","sentiment_score":0.013653597484032312},{"text":"Yep.","start":1604.69,"end":1605.19,"sentiment":"neutral","sentiment_score":0.043286390602588654},{"text":"Leaves you a buffer of 5,000.","start":1605.57,"end":1607.11,"sentiment":"neutral","sentiment_score":0.04549876227974892}],"sentiment":"neutral","sentiment_score":0.03137375998564742,"num_words":22,"start":1595.725,"end":1607.11},{"sentences":[{"text":"Beautiful.","start":1607.1699,"end":1607.6699,"sentiment":"positive","sentiment_score":0.4372947216033935},{"text":"And I have here so I'm just gonna alter that information there.","start":1608.61,"end":1613.09,"sentiment":"neutral","sentiment_score":0.11358833561340968},{"text":"Beautiful.","start":1613.09,"end":1613.59,"sentiment":"positive","sentiment_score":0.4649948477745056},{"text":"And with your super there, I can see that you are in Netwealth at the moment.","start":1614.065,"end":1617.525,"sentiment":"neutral","sentiment_score":0.15721845626831055},{"text":"But whilst we are reviewing what to do with that extra sort of 25,000, we could also be maybe reviewing your super as well, looking to see if, you know, Netwealth still suits you or if there's a cheaper product out there that might provide greater benefit to you.","start":1617.585,"end":1631.57,"sentiment":"neutral","sentiment_score":0.11321891783451547}],"sentiment":"neutral","sentiment_score":0.13074141608763346,"num_words":79,"start":1607.1699,"end":1631.57},{"sentences":[{"text":"Did you want me to do a full review of your superannuation platform, maybe look at something else, look at different investment structures as well for you?","start":1631.63,"end":1639.8099,"sentiment":"neutral","sentiment_score":0.048769002159436546},{"text":"Yeah.","start":1641.795,"end":1642.295,"sentiment":"neutral","sentiment_score":0.1851452887058258},{"text":"Perfect.","start":1642.435,"end":1642.935,"sentiment":"positive","sentiment_score":0.4211638867855072},{"text":"Lovely.","start":1644.115,"end":1644.615,"sentiment":"positive","sentiment_score":0.4841185808181762},{"text":"I can see having a look at one of your underlying investments, your Australian equities portion there.","start":1644.915,"end":1651.175,"sentiment":"neutral","sentiment_score":0.08740181837450056}],"sentiment":"neutral","sentiment_score":0.08283024951022991,"num_words":47,"start":1631.63,"end":1651.175},{"sentences":[{"text":"One of your underlying investments along Australian equities is underperforming a little bit as well, so I do wanna try and remove that out.","start":1651.315,"end":1658.0399,"sentiment":"neutral","sentiment_score":-0.11230048847695191},{"text":"One of the things I wanted to sort of double check was your risk tolerance.","start":1659.7,"end":1663.7999,"sentiment":"neutral","sentiment_score":-0.057419855147600174},{"text":"So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels.","start":1664.0199,"end":1673.565,"sentiment":"neutral","sentiment_score":0.009219420452912649},{"text":"I've probably done one of these a couple of times with me in the past there.","start":1673.625,"end":1677.565,"sentiment":"neutral","sentiment_score":-0.008685111635713838},{"text":"Mhmm.","start":1678.265,"end":1678.6649,"sentiment":"neutral","sentiment_score":0.0019564894028007984}],"sentiment":"neutral","sentiment_score":-0.039731770160954534,"num_words":86,"start":1651.315,"end":1678.6649},{"sentences":[{"text":"But just to sort of clarify, what age are you hoping to be able to stop working fully, retire, and maybe access your super?","start":1678.6649,"end":1686.4,"sentiment":"neutral","sentiment_score":-0.0035834787413477898},{"text":"What's your goal age at the moment?","start":1686.4,"end":1688.26,"sentiment":"neutral","sentiment_score":-9.77360676707966e-6},{"text":"60.","start":1689.76,"end":1690.26,"sentiment":"neutral","sentiment_score":-0.009700988419353962},{"text":"Yeah.","start":1693.92,"end":1694.42,"sentiment":"neutral","sentiment_score":0.000440217787399888},{"text":"Late sixties?","start":1696.8949,"end":1697.7949,"sentiment":"neutral","sentiment_score":0.0009924898331519216}],"sentiment":"neutral","sentiment_score":-0.0026670770287247642,"num_words":35,"start":1678.6649,"end":1697.7949},{"sentences":[{"text":"Yep.","start":1698.1749,"end":1698.6749,"sentiment":"neutral","sentiment_score":0.007327458821237087},{"text":"Yep.","start":1699.695,"end":1700.195,"sentiment":"neutral","sentiment_score":0.07516057789325714},{"text":"Perfect.","start":1701.455,"end":1701.955,"sentiment":"positive","sentiment_score":0.45165354013442993},{"text":"Lovely.","start":1702.815,"end":1703.315,"sentiment":"positive","sentiment_score":0.4746566414833069},{"text":"Have you ever owned investment shares or anything outside of super in your own name in the past?","start":1704.0149,"end":1709.235,"sentiment":"neutral","sentiment_score":0.07477518460816807}],"sentiment":"neutral","sentiment_score":0.10703416096723893,"num_words":22,"start":1698.1749,"end":1709.235},{"sentences":[{"text":"Nope.","start":1710.84,"end":1711.24,"sentiment":"neutral","sentiment_score":-0.03865616023540497},{"text":"That's okay.","start":1711.24,"end":1712.06,"sentiment":"neutral","sentiment_score":0.03668373264372349},{"text":"Beautiful.","start":1712.36,"end":1712.86,"sentiment":"neutral","sentiment_score":0.277980774641037},{"text":"If you looked at your super balance and found it had fallen, say, by 10 or 20% over the next twelve months due to what was happening in the world globally, and, notably, if something like that happened, it's gonna affect every super fund, not just yours.","start":1713.96,"end":1727.1051,"sentiment":"neutral","sentiment_score":-0.11703478243756801},{"text":"But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel?","start":1727.405,"end":1738.2251,"sentiment":"neutral","sentiment_score":-0.12085071226788892}],"sentiment":"neutral","sentiment_score":-0.10963871651168527,"num_words":87,"start":1710.84,"end":1738.2251},{"sentences":[{"text":"Are you okay with it knowing you've got a longer time horizon?","start":1738.365,"end":1742.22,"sentiment":"neutral","sentiment_score":-0.06419069878757},{"text":"You maybe wanna put some more money in.","start":1742.22,"end":1744.3201,"sentiment":"neutral","sentiment_score":-0.059340106789022684},{"text":"Are you a bit concerned and maybe wanting to call us, or are you really anxious about it and maybe wanting to move your money to something more secure?","start":1744.78,"end":1752.56,"sentiment":"neutral","sentiment_score":-0.1260659155146829},{"text":"How do you think that might make you feel?","start":1752.9401,"end":1754.9601,"sentiment":"neutral","sentiment_score":-0.07639338862564829},{"text":"Yep.","start":1762.225,"end":1762.705,"sentiment":"neutral","sentiment_score":-0.004297272302210331}],"sentiment":"neutral","sentiment_score":-0.09479251795969272,"num_words":59,"start":1738.365,"end":1762.705},{"sentences":[{"text":"Yep.","start":1762.705,"end":1763.105,"sentiment":"neutral","sentiment_score":-0.009754550643265247},{"text":"So probably call us.","start":1763.105,"end":1764.725,"sentiment":"neutral","sentiment_score":-0.028666864149272442},{"text":"Yeah.","start":1767.0249,"end":1767.5249,"sentiment":"neutral","sentiment_score":0.0539846308529377},{"text":"Beautiful.","start":1769.105,"end":1769.605,"sentiment":"neutral","sentiment_score":0.2603227496147156},{"text":"Lovely.","start":1770.6,"end":1771.1,"sentiment":"neutral","sentiment_score":0.2102886140346527}],"sentiment":"neutral","sentiment_score":0.05002174840774387,"num_words":8,"start":1762.705,"end":1771.1},{"sentences":[{"text":"And do you think it would still make you a bit concerned, do you think?","start":1771.5599,"end":1774.78,"sentiment":"neutral","sentiment_score":-0.039327527334292726},{"text":"It does?","start":1778.04,"end":1778.78,"sentiment":"neutral","sentiment_score":-0.0076666781678795815},{"text":"Yep.","start":1779.24,"end":1779.74,"sentiment":"neutral","sentiment_score":0.02362227812409401},{"text":"Yep.","start":1780.12,"end":1780.62,"sentiment":"neutral","sentiment_score":0.066993348300457},{"text":"Beautiful.","start":1781.0,"end":1781.5,"sentiment":"neutral","sentiment_score":0.3194754719734192}],"sentiment":"neutral","sentiment_score":-0.009757758397608996,"num_words":20,"start":1771.5599,"end":1781.5},{"sentences":[{"text":"All good.","start":1781.7999,"end":1782.465,"sentiment":"neutral","sentiment_score":0.3281403183937073},{"text":"And when you think about your super and you think about the kind of returns that you're hoping to achieve or how fast you're wanting the super to sort of grow, do you feel like you're comfortable taking on a higher level of risk to get those greater returns?","start":1783.4249,"end":1797.0199,"sentiment":"neutral","sentiment_score":0.024463472393702487},{"text":"Do you think you'd be more comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you feeling like you don't wanna take any risk in the market knowing the returns are lower because of that?","start":1797.1599,"end":1808.2999,"sentiment":"neutral","sentiment_score":-0.03308107861214214},{"text":"The second one.","start":1810.665,"end":1811.545,"sentiment":"neutral","sentiment_score":0.22378919025262198},{"text":"Beautiful.","start":1811.545,"end":1812.045,"sentiment":"positive","sentiment_score":0.7804469466209412}],"sentiment":"neutral","sentiment_score":0.018181567639112474,"num_words":100,"start":1781.7999,"end":1812.045},{"sentences":[{"text":"Excellent.","start":1812.345,"end":1812.845,"sentiment":"positive","sentiment_score":0.8048534393310547},{"text":"Lovely.","start":1813.145,"end":1813.645,"sentiment":"positive","sentiment_score":0.7250920534133911},{"text":"And when we think about borrowing money, I can see you borrowed for your main primary residence.","start":1814.505,"end":1819.085,"sentiment":"neutral","sentiment_score":0.11993918655549779},{"text":"Have you ever thought about borrowing for anything else, or is it just your your main home that you wanted to borrow for?","start":1819.145,"end":1825.4299,"sentiment":"neutral","sentiment_score":0.043642935302594436},{"text":"So borrow money from a a bank or a financial institution.","start":1829.49,"end":1832.37,"sentiment":"neutral","sentiment_score":-0.005323358218778263}],"sentiment":"neutral","sentiment_score":0.0851724950139815,"num_words":53,"start":1812.345,"end":1832.37},{"sentences":[{"text":"Have you ever thought about doing it for an investment property or to invest in anything?","start":1832.37,"end":1837.27,"sentiment":"neutral","sentiment_score":-0.007715933723375201},{"text":"No.","start":1837.845,"end":1838.005,"sentiment":"neutral","sentiment_score":-0.17441022396087646},{"text":"No.","start":1838.005,"end":1838.505,"sentiment":"neutral","sentiment_score":-0.2076202630996704},{"text":"Yeah.","start":1841.205,"end":1841.605,"sentiment":"neutral","sentiment_score":-0.05789193511009216},{"text":"That's okay.","start":1841.605,"end":1842.505,"sentiment":"neutral","sentiment_score":-0.08864878490567207}],"sentiment":"neutral","sentiment_score":-0.03527023483599935,"num_words":21,"start":1832.37,"end":1842.505},{"sentences":[{"text":"That's not a problem at all.","start":1842.565,"end":1844.4249,"sentiment":"neutral","sentiment_score":-0.03911729156970978},{"text":"Lovely.","start":1845.125,"end":1845.625,"sentiment":"positive","sentiment_score":0.37680619955062866},{"text":"Now having a look at things, you have scored there as more of a moderate investor.","start":1845.765,"end":1853.08,"sentiment":"neutral","sentiment_score":0.1870057350024581},{"text":"So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment.","start":1853.46,"end":1861.8,"sentiment":"neutral","sentiment_score":0.13518899945276125},{"text":"So sorry.","start":1862.02,"end":1862.76,"sentiment":"neutral","sentiment_score":-0.04523968882858753}],"sentiment":"neutral","sentiment_score":0.1288491852300347,"num_words":53,"start":1842.565,"end":1862.76},{"sentences":[{"text":"Okay.","start":1864.4851,"end":1864.9651,"sentiment":"neutral","sentiment_score":0.026865847408771515},{"text":"So as a more moderate investor, we generally would see you taking on a bit more of a lower amount of risk in the market, but that also means you would be expecting sort of lower rates of return.","start":1864.9651,"end":1874.9851,"sentiment":"neutral","sentiment_score":0.08360696870547074},{"text":"So we'd normally see roundabout, say, six the 70 60 to 70% of your super invest in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1875.525,"end":1888.3601,"sentiment":"neutral","sentiment_score":0.10231660306453705},{"text":"Commodities are both growth investments.","start":1888.5801,"end":1891.645,"sentiment":"neutral","sentiment_score":0.16000949144363402},{"text":"They get good returns over longer term, but they're also defensive in nature.","start":1891.705,"end":1895.705,"sentiment":"neutral","sentiment_score":0.2716339866702373}],"sentiment":"neutral","sentiment_score":0.12062599364182224,"num_words":92,"start":1864.4851,"end":1895.705},{"sentences":[{"text":"So when markets aren't doing so well, people tend to utilize alternative assets as a bit of a defensive safe haven.","start":1895.705,"end":1902.505,"sentiment":"neutral","sentiment_score":0.08745675463052023},{"text":"Gold is one of those, if it makes sense.","start":1902.505,"end":1904.605,"sentiment":"neutral","sentiment_score":0.18819254885117212},{"text":"With the portfolio you're in at the moment, you see that 80% of your super invested in those growth assets.","start":1906.24,"end":1911.9199,"sentiment":"neutral","sentiment_score":0.18021026700735093},{"text":"So it is designed to get greater potential returns.","start":1911.9199,"end":1914.5,"sentiment":"neutral","sentiment_score":0.23324735959370932},{"text":"The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis.","start":1915.9199,"end":1929.515,"sentiment":"neutral","sentiment_score":-0.019444776306811132}],"sentiment":"neutral","sentiment_score":0.08757582333745416,"num_words":97,"start":1895.705,"end":1929.515},{"sentences":[{"text":"Do you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level?","start":1929.815,"end":1941.9299,"sentiment":"neutral","sentiment_score":0.0653983157041461},{"text":"If you're not sure, you can tell me.","start":1941.99,"end":1944.09,"sentiment":"neutral","sentiment_score":-0.21059509366750717},{"text":"If you're not if you're not sure, let me know, and we can kinda talk it through in a bit more detail.","start":1946.585,"end":1951.245,"sentiment":"neutral","sentiment_score":-0.11625311743806709},{"text":"Yeah.","start":1958.68,"end":1959.18,"sentiment":"neutral","sentiment_score":0.06403138488531113},{"text":"Yeah.","start":1960.84,"end":1961.34,"sentiment":"neutral","sentiment_score":0.0632050484418869}],"sentiment":"neutral","sentiment_score":-0.017372870991627376,"num_words":75,"start":1929.815,"end":1961.34},{"sentences":[{"text":"Mhmm.","start":1963.64,"end":1964.14,"sentiment":"neutral","sentiment_score":0.005339992232620716},{"text":"Mhmm.","start":1969.3151,"end":1969.8151,"sentiment":"neutral","sentiment_score":-0.018695492297410965},{"text":"Yeah.","start":1975.4751,"end":1975.875,"sentiment":"neutral","sentiment_score":0.029591869562864304},{"text":"I mean, the growth portfolio you're in at the moment, you're not you're not in the highest.","start":1975.875,"end":1979.4751,"sentiment":"neutral","sentiment_score":0.006113266976385871},{"text":"So our portfolios generally start with, like, the aggressive plus, aggressive, then high growth, then growth.","start":1979.4751,"end":1984.65,"sentiment":"neutral","sentiment_score":0.05162082309834659}],"sentiment":"neutral","sentiment_score":0.026280418824171647,"num_words":36,"start":1963.64,"end":1984.65},{"sentences":[{"text":"So you are realistically in that kind of medium area.","start":1984.89,"end":1988.51,"sentiment":"neutral","sentiment_score":0.0998539961874485},{"text":"You're not taking on the highest level of risk, but you still kind of are trying to get the greater returns.","start":1988.97,"end":1993.9501,"sentiment":"neutral","sentiment_score":0.008922747735466276},{"text":"Because of your age, I mean, you do have a bit a fair bit of time ahead of you before you can access your super because, realistically, the earliest we can under the current legislation is the age of 60 if we stop working and fully retire.","start":1994.65,"end":2007.245,"sentiment":"neutral","sentiment_score":-0.10862535587016572},{"text":"So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super.","start":2007.785,"end":2019.5901,"sentiment":"neutral","sentiment_score":-0.02427996902964836},{"text":"I, by no means, would want you to be in that kind of growth environment right up until the day you retire.","start":2019.89,"end":2025.8301,"sentiment":"neutral","sentiment_score":-0.1486290811815045}],"sentiment":"neutral","sentiment_score":-0.057575891719206226,"num_words":143,"start":1984.89,"end":2025.8301},{"sentences":[{"text":"So we sort of, once you're about six years out, start to kind of reduce your risk level down a bit.","start":2025.89,"end":2032.345,"sentiment":"neutral","sentiment_score":0.03886228338593528},{"text":"So you are kind of reducing it as you get closer to retiring.","start":2032.485,"end":2035.7051,"sentiment":"neutral","sentiment_score":-0.22357598778146964},{"text":"Does that make sense?","start":2035.925,"end":2036.985,"sentiment":"neutral","sentiment_score":-0.08199003338813782},{"text":"Yeah.","start":2038.725,"end":2039.225,"sentiment":"neutral","sentiment_score":0.08748818933963776},{"text":"Yeah.","start":2042.26,"end":2042.76,"sentiment":"neutral","sentiment_score":0.08870316296815872}],"sentiment":"neutral","sentiment_score":-0.05605371678248048,"num_words":40,"start":2025.89,"end":2042.76},{"sentences":[{"text":"That's okay.","start":2042.98,"end":2043.78,"sentiment":"neutral","sentiment_score":0.13109789043664932},{"text":"Did you want me to look at the growth of portfolio for a bit longer and maybe see what we can do?","start":2043.78,"end":2048.42,"sentiment":"neutral","sentiment_score":0.04487026567486199},{"text":"I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help you.","start":2048.42,"end":2062.805,"sentiment":"neutral","sentiment_score":0.22831858139412076},{"text":"Yep.","start":2064.625,"end":2065.125,"sentiment":"neutral","sentiment_score":0.08777888864278793},{"text":"Beautiful.","start":2066.48,"end":2066.98,"sentiment":"positive","sentiment_score":0.4621977210044861}],"sentiment":"neutral","sentiment_score":0.17459176475932073,"num_words":77,"start":2042.98,"end":2066.98},{"sentences":[{"text":"I am gonna move that, the BANELONG Australian Equities investment out of there.","start":2067.04,"end":2071.28,"sentiment":"neutral","sentiment_score":0.04352410223621588},{"text":"It has been sort of underperforming in your portfolio.","start":2071.28,"end":2073.78,"sentiment":"negative","sentiment_score":-0.5129960543579526},{"text":"I can see it is down a little bit, and that is because of what's been happening inside that investment.","start":2073.8398,"end":2079.2,"sentiment":"negative","sentiment_score":-0.3826045826077461},{"text":"The investment managers haven't really been, you know, doing what they need to in saying that you can never tell what's happening.","start":2079.2,"end":2087.115,"sentiment":"neutral","sentiment_score":-0.29182450676506216},{"text":"Investments do react differently.","start":2087.655,"end":2089.2751,"sentiment":"neutral","sentiment_score":-0.22778073698282242}],"sentiment":"neutral","sentiment_score":-0.27991918983924036,"num_words":68,"start":2067.04,"end":2089.2751},{"sentences":[{"text":"When I remove that out, there's two different sorry?","start":2090.615,"end":2094.94,"sentiment":"neutral","sentiment_score":-0.16165660983986324},{"text":"Your the investment we're gonna remove is Benelon Australian Equities.","start":2096.92,"end":2101.0198,"sentiment":"neutral","sentiment_score":-0.10776772554963827},{"text":"It's essentially an actively managed investment manager that is their job is to be buying and selling and looking at companies that have shown great growth over the last couple of years, but value and can provide greater growth moving forward.","start":2101.24,"end":2117.085,"sentiment":"neutral","sentiment_score":0.09797805992931855},{"text":"They, at the end of late last year, had a bit of an issue, and they're not.","start":2117.7048,"end":2122.08,"sentiment":"negative","sentiment_score":-0.3840378610526814},{"text":"They haven't really been able to change or make any alterations.","start":2122.32,"end":2126.26,"sentiment":"negative","sentiment_score":-0.36164317618716846}],"sentiment":"neutral","sentiment_score":-0.10252505526031283,"num_words":88,"start":2090.615,"end":2126.26},{"sentences":[{"text":"And one of their underlying investments actually was a bit dishonest to to investors into the market.","start":2126.4001,"end":2131.4402,"sentiment":"negative","sentiment_score":-0.5688375655342551},{"text":"So that has come out.","start":2131.4402,"end":2132.82,"sentiment":"negative","sentiment_score":-0.3498780786991119},{"text":"It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong.","start":2133.12,"end":2139.805,"sentiment":"negative","sentiment_score":-0.3467241086457905},{"text":"So I wanna remove that out of your portfolio because they've had issues with their underlying investments, and it's underperforming in your portfolio at the moment.","start":2139.945,"end":2148.985,"sentiment":"negative","sentiment_score":-0.36506036153206456},{"text":"So we do wanna move that out.","start":2148.985,"end":2151.2,"sentiment":"neutral","sentiment_score":-0.13460775358336313}],"sentiment":"negative","sentiment_score":-0.38434068576709646,"num_words":74,"start":2126.4001,"end":2151.2},{"sentences":[{"text":"I could look at replacing that.","start":2151.2,"end":2153.28,"sentiment":"neutral","sentiment_score":-0.11607057477037112},{"text":"So the idea of having Benelon in your portfolio was to give you a little bit of active management.","start":2153.28,"end":2158.98,"sentiment":"neutral","sentiment_score":0.1657431294259272},{"text":"So they're supposed to be buying and selling to make sure that they're trying to outperform the market.","start":2159.04,"end":2164.3198,"sentiment":"neutral","sentiment_score":0.12749822272194755},{"text":"But as you can sort of see, they've underperformed, so they can't they don't always outperform the market.","start":2164.3198,"end":2170.155,"sentiment":"neutral","sentiment_score":-0.037217135437660746},{"text":"And you tend to pay a higher management fee for having active managers or active investment managers in your portfolio.","start":2170.5352,"end":2177.0352,"sentiment":"neutral","sentiment_score":-0.029640021920204162}],"sentiment":"neutral","sentiment_score":0.04302413757016629,"num_words":81,"start":2151.2,"end":2177.0352},{"sentences":[{"text":"Did you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance?","start":2177.71,"end":2185.01,"sentiment":"neutral","sentiment_score":0.10495790526270866},{"text":"Does that make sense?","start":2185.31,"end":2186.45,"sentiment":"neutral","sentiment_score":0.1341133564710617},{"text":"Yeah.","start":2188.03,"end":2188.43,"sentiment":"neutral","sentiment_score":0.15703780949115753},{"text":"Yep.","start":2188.43,"end":2188.83,"sentiment":"neutral","sentiment_score":0.2396131157875061},{"text":"Perfect.","start":2188.83,"end":2189.33,"sentiment":"positive","sentiment_score":0.5398179888725281}],"sentiment":"neutral","sentiment_score":0.1280271866125986,"num_words":32,"start":2177.71,"end":2189.33},{"sentences":[{"text":"Please let me know if you need me to kinda delve deeper.","start":2189.645,"end":2192.7048,"sentiment":"neutral","sentiment_score":0.24081132809321085},{"text":"Just wanna make sure that you're going that you're comfortable understanding everything I do say.","start":2193.565,"end":2198.285,"sentiment":"neutral","sentiment_score":0.16526933511098227},{"text":"And if you're not, please let me know.","start":2198.285,"end":2199.885,"sentiment":"neutral","sentiment_score":0.0036259079352021217},{"text":"As I mentioned, there's no no silly questions.","start":2199.885,"end":2202.285,"sentiment":"neutral","sentiment_score":0.10570303723216057},{"text":"I'm here to help, and you're welcome to ask me anything you like.","start":2202.285,"end":2206.28,"sentiment":"neutral","sentiment_score":0.33163941365021926}],"sentiment":"neutral","sentiment_score":0.188477141117411,"num_words":56,"start":2189.645,"end":2206.28},{"sentences":[{"text":"Okay?","start":2206.28,"end":2206.78,"sentiment":"neutral","sentiment_score":0.11534794420003892},{"text":"Yep.","start":2208.36,"end":2208.86,"sentiment":"neutral","sentiment_score":0.3027228116989136},{"text":"Beautiful.","start":2208.9202,"end":2209.4202,"sentiment":"positive","sentiment_score":0.6021872758865356},{"text":"That's okay.","start":2209.56,"end":2210.3,"sentiment":"positive","sentiment_score":0.4748163968324661},{"text":"So I can look at something a bit more low cost that's maybe provided a greater level of return, might provide a bit more in the future, but also maybe lower the fees a little bit for you.","start":2210.84,"end":2220.3052,"sentiment":"neutral","sentiment_score":0.3080432846357948}],"sentiment":"neutral","sentiment_score":0.3180357125955959,"num_words":43,"start":2206.28,"end":2220.3052},{"sentences":[{"text":"Does that sound okay?","start":2221.245,"end":2222.3052,"sentiment":"neutral","sentiment_score":0.12752357311546803},{"text":"Yeah?","start":2222.365,"end":2222.865,"sentiment":"neutral","sentiment_score":0.11071297526359558},{"text":"Yep.","start":2223.8052,"end":2224.3052,"sentiment":"neutral","sentiment_score":0.19278642535209656},{"text":"Perfect.","start":2224.445,"end":2224.945,"sentiment":"positive","sentiment_score":0.4631998538970947},{"text":"I'll look at Netwealth as a platform, but also the other platforms out there to see what's gonna provide, what's gonna be better for you.","start":2225.965,"end":2233.02,"sentiment":"neutral","sentiment_score":0.23105740368366243}],"sentiment":"neutral","sentiment_score":0.22041339497081935,"num_words":32,"start":2221.245,"end":2233.02},{"sentences":[{"text":"It is really important when you when we do look at investments inside your super fund, when we are changing investments, that we do consider the tax component.","start":2233.3198,"end":2241.9,"sentiment":"neutral","sentiment_score":0.07284210436046124},{"text":"Because believe it or not, just like you do your tax return every year, your super fund also does a tax return every year.","start":2241.96,"end":2249.635,"sentiment":"neutral","sentiment_score":0.1073109395802021},{"text":"So they pay income tax and capital gains tax on changes on investments as well.","start":2250.2551,"end":2255.055,"sentiment":"neutral","sentiment_score":0.08200709323088327},{"text":"So I will, as part of the research, go back and double check what the tax consequences look like so we can try to minimize those for you as well.","start":2255.055,"end":2264.1902,"sentiment":"neutral","sentiment_score":0.11528668701648712},{"text":"Okay?","start":2264.1902,"end":2264.6902,"sentiment":"neutral","sentiment_score":0.1132422536611557}],"sentiment":"neutral","sentiment_score":0.09609174219017126,"num_words":98,"start":2233.3198,"end":2264.6902},{"sentences":[{"text":"Beautiful.","start":2266.4302,"end":2266.9302,"sentiment":"positive","sentiment_score":0.6583856344223022},{"text":"Beautiful.","start":2267.79,"end":2268.29,"sentiment":"positive","sentiment_score":0.7155485153198242},{"text":"Lovely.","start":2269.1501,"end":2269.6501,"sentiment":"neutral","sentiment_score":0.06529194116592407},{"text":"I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there.","start":2270.4302,"end":2278.305,"sentiment":"neutral","sentiment_score":0.17830233852709493},{"text":"If you have questions around those quotes, please do let me know.","start":2278.305,"end":2281.985,"sentiment":"neutral","sentiment_score":0.15100294475754103}],"sentiment":"neutral","sentiment_score":0.1908398678769236,"num_words":46,"start":2266.4302,"end":2281.985},{"sentences":[{"text":"I'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well.","start":2281.985,"end":2287.825,"sentiment":"positive","sentiment_score":0.46485267514767853},{"text":"Okay?","start":2287.825,"end":2288.325,"sentiment":"neutral","sentiment_score":0.09959901869297028},{"text":"The other thing I have here, Natalie, is your licensed PPD cover.","start":2290.53,"end":2294.21,"sentiment":"neutral","sentiment_score":0.051187852708001934},{"text":"So that is with Neos as we kinda went through before.","start":2294.21,"end":2297.4302,"sentiment":"neutral","sentiment_score":0.0417425429279154},{"text":"You're currently covered for 03/7500 with the information I have here in front of me.","start":2298.53,"end":2305.545,"sentiment":"neutral","sentiment_score":0.037393489355842274}],"sentiment":"neutral","sentiment_score":0.2004118563246823,"num_words":62,"start":2281.985,"end":2305.545},{"sentences":[{"text":"Now are you thinking about the level of cover if you were to prematurely pass away?","start":2305.865,"end":2310.9849,"sentiment":"neutral","sentiment_score":-0.04478727316018194},{"text":"I'm touching, Wilk, because I don't want anything to happen to you.","start":2310.9849,"end":2313.4648,"sentiment":"neutral","sentiment_score":-0.33020826677481335},{"text":"I want you to enjoy your life, get to retirement, and have a full happy retirement.","start":2313.4648,"end":2318.365,"sentiment":"positive","sentiment_score":0.36603786051273346},{"text":"If you were to maybe pass away, what's important to you?","start":2319.86,"end":2323.54,"sentiment":"neutral","sentiment_score":-0.07804951037872922},{"text":"So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries.","start":2323.54,"end":2328.2,"sentiment":"neutral","sentiment_score":0.0645155156031251}],"sentiment":"neutral","sentiment_score":0.021457011923193933,"num_words":75,"start":2305.865,"end":2328.2},{"sentences":[{"text":"But what would you want that to cover, and who would you want it to be paid to?","start":2329.22,"end":2333.0,"sentiment":"neutral","sentiment_score":-0.03170458392964469},{"text":"Yeah.","start":2336.905,"end":2337.405,"sentiment":"neutral","sentiment_score":-0.00863249134272337},{"text":"Cover the mortgage.","start":2338.025,"end":2339.0051,"sentiment":"neutral","sentiment_score":-0.019336579677959282},{"text":"Yeah.","start":2339.145,"end":2339.645,"sentiment":"neutral","sentiment_score":-0.005909573286771774},{"text":"Yep.","start":2343.545,"end":2344.045,"sentiment":"neutral","sentiment_score":-0.039340462535619736}],"sentiment":"neutral","sentiment_score":-0.02844061570552488,"num_words":24,"start":2329.22,"end":2344.045},{"sentences":[{"text":"Yep.","start":2349.0798,"end":2349.5798,"sentiment":"neutral","sentiment_score":-0.11712150275707243},{"text":"Okay.","start":2353.24,"end":2353.74,"sentiment":"neutral","sentiment_score":-0.06715188920497894},{"text":"Yep.","start":2354.1199,"end":2354.6199,"sentiment":"neutral","sentiment_score":-0.034928709268569946},{"text":"Yep.","start":2355.96,"end":2356.46,"sentiment":"neutral","sentiment_score":-0.048825882375240326},{"text":"Thanks.","start":2363.0151,"end":2363.5151,"sentiment":"neutral","sentiment_score":0.1889270097017288}],"sentiment":"neutral","sentiment_score":-0.015820194780826573,"num_words":5,"start":2349.0798,"end":2363.5151},{"sentences":[{"text":"It all.","start":2363.655,"end":2364.315,"sentiment":"neutral","sentiment_score":0.09638865292072296},{"text":"Yeah.","start":2364.7751,"end":2365.2751,"sentiment":"neutral","sentiment_score":0.1442214548587799},{"text":"Absolutely.","start":2367.415,"end":2367.915,"sentiment":"neutral","sentiment_score":0.13959461450576782},{"text":"Yeah.","start":2369.2551,"end":2369.7551,"sentiment":"neutral","sentiment_score":0.05232806131243706},{"text":"Yep.","start":2372.8901,"end":2373.3901,"sentiment":"neutral","sentiment_score":0.018406730145215988}],"sentiment":"neutral","sentiment_score":0.09122136111060779,"num_words":6,"start":2363.655,"end":2373.3901},{"sentences":[{"text":"No.","start":2373.4502,"end":2373.85,"sentiment":"neutral","sentiment_score":-0.10446617752313614},{"text":"I completely understand where you're going with that.","start":2373.85,"end":2376.59,"sentiment":"neutral","sentiment_score":-0.09355131722986698},{"text":"Now if I look at the total benefit based on the information I have here at the moment, the estimated benefit life insurance paid out plus your super balance would provide an estimated benefit of about $496,062.","start":2376.81,"end":2390.145,"sentiment":"neutral","sentiment_score":0.03176888581868764},{"text":"So given your current mortgage that I have here, which is showing, sorry, 312,000, is that about right is that roughly the right estimate on your mortgage?","start":2390.145,"end":2399.845,"sentiment":"neutral","sentiment_score":-0.0006875882822054404},{"text":"Yep.","start":2401.47,"end":2401.95,"sentiment":"neutral","sentiment_score":0.2300238311290741}],"sentiment":"neutral","sentiment_score":0.007216635235660785,"num_words":74,"start":2373.4502,"end":2401.95},{"sentences":[{"text":"Perfect.","start":2401.95,"end":2402.45,"sentiment":"positive","sentiment_score":0.7389589548110962},{"text":"Yep.","start":2406.51,"end":2407.01,"sentiment":"neutral","sentiment_score":0.09357772767543791},{"text":"Yep.","start":2407.47,"end":2407.97,"sentiment":"neutral","sentiment_score":0.08925585448741913},{"text":"So there's an extra 30,000 sitting in the redraw.","start":2409.79,"end":2412.51,"sentiment":"neutral","sentiment_score":0.10347225848171446},{"text":"Is that right?","start":2412.51,"end":2413.41,"sentiment":"neutral","sentiment_score":0.09283387412627538}],"sentiment":"neutral","sentiment_score":0.1421029657125473,"num_words":15,"start":2401.95,"end":2413.41},{"sentences":[{"text":"Yep.","start":2414.7148,"end":2415.2148,"sentiment":"neutral","sentiment_score":0.07849036902189255},{"text":"So I'll add the extra 30,000 on there.","start":2415.355,"end":2418.4148,"sentiment":"neutral","sentiment_score":0.059505346696823835},{"text":"Sorry.","start":2419.9148,"end":2420.4148,"sentiment":"neutral","sentiment_score":-0.12386581301689148},{"text":"Sorry.","start":2420.555,"end":2421.055,"sentiment":"neutral","sentiment_score":-0.15377658605575562},{"text":"Sorry.","start":2421.755,"end":2422.1548,"sentiment":"neutral","sentiment_score":-0.17488135397434235}],"sentiment":"neutral","sentiment_score":0.008500782462457815,"num_words":12,"start":2414.7148,"end":2422.1548},{"sentences":[{"text":"Won't be a second.","start":2422.1548,"end":2423.035,"sentiment":"neutral","sentiment_score":-0.17975107580423355},{"text":"I'm just doing some quick math here for you.","start":2423.035,"end":2426.255,"sentiment":"neutral","sentiment_score":0.014132165039579073},{"text":"So we'll start with that.","start":2427.6501,"end":2429.09,"sentiment":"neutral","sentiment_score":0.02909845523536205},{"text":"We'll take away the 312, and then we'll take away an extra, say, 30,000 there as well.","start":2429.09,"end":2437.03,"sentiment":"neutral","sentiment_score":0.00316597255604232},{"text":"Beautiful.","start":2439.665,"end":2440.165,"sentiment":"positive","sentiment_score":0.6249626874923706}],"sentiment":"neutral","sentiment_score":0.00645726886836605,"num_words":36,"start":2422.1548,"end":2440.165},{"sentences":[{"text":"And that leaves you with roughly about a 154,000, which you wanted to have paid out to your daughter.","start":2440.545,"end":2446.405,"sentiment":"neutral","sentiment_score":0.15125881684453865},{"text":"Now with your daughter, you may have mentioned that she is to your ex partner.","start":2446.625,"end":2450.405,"sentiment":"neutral","sentiment_score":-0.032421688983837765},{"text":"How old is your daughter?","start":2451.665,"end":2452.785,"sentiment":"neutral","sentiment_score":-0.06200234442949295},{"text":"Is she over 18, over 25?","start":2452.785,"end":2455.3499,"sentiment":"neutral","sentiment_score":-0.03633895795792341},{"text":"Is she technically a financial dependent?","start":2455.3499,"end":2457.29,"sentiment":"neutral","sentiment_score":-0.05959532782435417}],"sentiment":"neutral","sentiment_score":0.029450485263677204,"num_words":51,"start":2440.545,"end":2457.29},{"sentences":[{"text":"Okay.","start":2460.5498,"end":2461.0498,"sentiment":"neutral","sentiment_score":0.2101718634366989},{"text":"Perfect.","start":2461.3499,"end":2461.8499,"sentiment":"positive","sentiment_score":0.5198989510536194},{"text":"Yep.","start":2462.79,"end":2463.29,"sentiment":"neutral","sentiment_score":0.2644738256931305},{"text":"So one of the really yeah.","start":2463.3499,"end":2465.685,"sentiment":"neutral","sentiment_score":0.10510869820912679},{"text":"So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well.","start":2465.7651,"end":2475.5452,"sentiment":"neutral","sentiment_score":0.007047603651881218}],"sentiment":"neutral","sentiment_score":0.03892042807170323,"num_words":49,"start":2460.5498,"end":2475.5452},{"sentences":[{"text":"So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary.","start":2475.845,"end":2488.26,"sentiment":"neutral","sentiment_score":0.03827712430459697},{"text":"But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child.","start":2488.4,"end":2495.455,"sentiment":"neutral","sentiment_score":-0.05228105760006993},{"text":"It goes to the guardian.","start":2495.455,"end":2496.7551,"sentiment":"neutral","sentiment_score":-0.030731330811977386},{"text":"And depending on state law, the guardian could be your ex partner, which means that he would get access.","start":2497.215,"end":2503.475,"sentiment":"neutral","sentiment_score":0.023978451315901782},{"text":"So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate.","start":2503.7751,"end":2515.22,"sentiment":"neutral","sentiment_score":0.2206823956221342}],"sentiment":"neutral","sentiment_score":0.06565838831738802,"num_words":128,"start":2475.845,"end":2515.22},{"sentences":[{"text":"And then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner.","start":2515.28,"end":2529.635,"sentiment":"neutral","sentiment_score":0.15318805490468823},{"text":"It can be somebody else's sister, your mom, or your best friend.","start":2529.635,"end":2532.9949,"sentiment":"neutral","sentiment_score":0.09904046418766181},{"text":"Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to your 10 year old daughter.","start":2532.9949,"end":2542.0198,"sentiment":"neutral","sentiment_score":0.11993038335016795},{"text":"That way, you've leave much more control around what happens to your assets and your estate.","start":2542.24,"end":2547.2798,"sentiment":"neutral","sentiment_score":0.24445956572890282},{"text":"Does that make sense?","start":2547.2798,"end":2548.3398,"sentiment":"neutral","sentiment_score":0.17930017784237862}],"sentiment":"neutral","sentiment_score":0.15303083910670096,"num_words":103,"start":2515.28,"end":2548.3398},{"sentences":[{"text":"Yeah.","start":2549.265,"end":2549.765,"sentiment":"neutral","sentiment_score":0.0715094655752182},{"text":"Yep.","start":2551.265,"end":2551.765,"sentiment":"neutral","sentiment_score":0.04899880290031433},{"text":"That's right.","start":2557.265,"end":2558.005,"sentiment":"neutral","sentiment_score":0.0848955512046814},{"text":"Yep.","start":2558.305,"end":2558.805,"sentiment":"neutral","sentiment_score":0.028660673648118973},{"text":"Yep.","start":2561.04,"end":2561.54,"sentiment":"neutral","sentiment_score":-0.0013224321883171797}],"sentiment":"neutral","sentiment_score":0.05293960205744952,"num_words":6,"start":2549.265,"end":2561.54},{"sentences":[{"text":"So what we would need to do is we can, as part of the advice, factor in the estate planning side of things.","start":2562.32,"end":2567.86,"sentiment":"neutral","sentiment_score":0.1105659918292709},{"text":"After the call, I can send you through some information on a local solicitor.","start":2568.32,"end":2571.86,"sentiment":"neutral","sentiment_score":0.07792817987501621},{"text":"So we don't draft a will for you.","start":2571.9202,"end":2573.6,"sentiment":"neutral","sentiment_score":-0.01575350179336965},{"text":"It has to be done by a licensed lawyer or solicitor.","start":2573.6,"end":2576.775,"sentiment":"neutral","sentiment_score":0.03646609695120291},{"text":"We can send you through some information on the solicitor that we use.","start":2577.475,"end":2580.835,"sentiment":"neutral","sentiment_score":0.10675450586355649}],"sentiment":"neutral","sentiment_score":0.07676695592269517,"num_words":69,"start":2562.32,"end":2580.835},{"sentences":[{"text":"It has a bit of a costing on what it costs to do up a will and a bit of information around trusts for you.","start":2580.835,"end":2586.535,"sentiment":"neutral","sentiment_score":0.07039059311151505},{"text":"I can send that through to you shortly so you have that information there.","start":2586.995,"end":2590.775,"sentiment":"neutral","sentiment_score":0.2446437446134431},{"text":"And you could either give them a quick call to book in a time to go through it, or we can refer you.","start":2591.1,"end":2596.1401,"sentiment":"neutral","sentiment_score":0.19638693429853604},{"text":"Or if you have another solicitor you're comfortable utilizing, you can absolutely go through them, but you just have to have a will drawn up properly by a local or by a solicitor to make sure that it's, you know, a little bit more it's you've got a bit more control around things, that they are done up correctly.","start":2596.1401,"end":2613.845,"sentiment":"neutral","sentiment_score":0.06128561856635546},{"text":"And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up correctly.","start":2613.905,"end":2624.54,"sentiment":"neutral","sentiment_score":-0.2088056934731347}],"sentiment":"neutral","sentiment_score":0.03852133951985683,"num_words":156,"start":2580.835,"end":2624.54},{"sentences":[{"text":"Okay.","start":2624.92,"end":2625.42,"sentiment":"neutral","sentiment_score":0.003216974437236786},{"text":"Yeah.","start":2625.7998,"end":2626.2998,"sentiment":"neutral","sentiment_score":0.012428000569343569},{"text":"No.","start":2635.655,"end":2636.0552,"sentiment":"neutral","sentiment_score":-0.24722978472709656},{"text":"No.","start":2636.0552,"end":2636.2952,"sentiment":"neutral","sentiment_score":-0.28293871879577637},{"text":"No.","start":2636.2952,"end":2636.7751,"sentiment":"neutral","sentiment_score":-0.1524278074502945}],"sentiment":"neutral","sentiment_score":-0.13339026719331742,"num_words":5,"start":2624.92,"end":2636.7751},{"sentences":[{"text":"No.","start":2636.7751,"end":2637.0151,"sentiment":"neutral","sentiment_score":-0.1905612349510193},{"text":"That's okay.","start":2637.0151,"end":2637.815,"sentiment":"neutral","sentiment_score":0.07123257406055927},{"text":"So your everything goes into your estate normally on on passing.","start":2637.815,"end":2643.095,"sentiment":"neutral","sentiment_score":0.11676241457462311},{"text":"If we just nominate legal personal representative on your super and your insurances, On death, everything goes automatically to your estate.","start":2643.095,"end":2651.75,"sentiment":"neutral","sentiment_score":0.05903131089040211},{"text":"As part of your will, you just need to name an executor who is going to look after the estate and take care of any trust that you do set up.","start":2652.4502,"end":2660.865,"sentiment":"neutral","sentiment_score":0.09907070679530021}],"sentiment":"neutral","sentiment_score":0.08404757443702582,"num_words":66,"start":2636.7751,"end":2660.865},{"sentences":[{"text":"What I would suggest is once you've done your will, if you could give us a copy of that, and let us know who the executor is.","start":2661.025,"end":2668.625,"sentiment":"neutral","sentiment_score":0.08205110048530279},{"text":"Because on passing, we will need to be able to speak to your executor to help them finalize the claim and have everything moved in.","start":2668.625,"end":2676.565,"sentiment":"neutral","sentiment_score":0.04743511855602264},{"text":"Yeah.","start":2676.84,"end":2677.34,"sentiment":"neutral","sentiment_score":0.10023260116577148},{"text":"Yep.","start":2677.7202,"end":2678.2202,"sentiment":"neutral","sentiment_score":0.15472331643104553},{"text":"Perfect.","start":2679.7202,"end":2680.2202,"sentiment":"positive","sentiment_score":0.6177399158477783}],"sentiment":"neutral","sentiment_score":0.07770824564451521,"num_words":55,"start":2661.025,"end":2680.2202},{"sentences":[{"text":"Does that help?","start":2680.6802,"end":2681.6602,"sentiment":"positive","sentiment_score":0.3658691147963206},{"text":"Yeah.","start":2685.24,"end":2685.74,"sentiment":"neutral","sentiment_score":0.05708188936114311},{"text":"Yep.","start":2688.6802,"end":2689.1802,"sentiment":"neutral","sentiment_score":0.2612343430519104},{"text":"I will break down a bit of an email after the call which goes through what we discussed, what you sort of explained you wanted there, what we're looking at, just to kinda break it down for you.","start":2690.355,"end":2700.115,"sentiment":"neutral","sentiment_score":0.21163488297086014},{"text":"Because I know it is a lot.","start":2700.115,"end":2701.395,"sentiment":"neutral","sentiment_score":0.056349453649350574}],"sentiment":"neutral","sentiment_score":0.19704990610480308,"num_words":50,"start":2680.6802,"end":2701.395},{"sentences":[{"text":"It can be quite in-depth, and then you can always come back with questions.","start":2701.395,"end":2706.14,"sentiment":"neutral","sentiment_score":0.13813396756138122},{"text":"Does that sound okay?","start":2706.14,"end":2707.18,"sentiment":"neutral","sentiment_score":0.174369178712368},{"text":"I'll do a bit of a recap on the email for you as well.","start":2707.18,"end":2710.24,"sentiment":"neutral","sentiment_score":0.1322879365512303},{"text":"Yeah.","start":2710.46,"end":2710.94,"sentiment":"neutral","sentiment_score":0.09106725454330444},{"text":"Yeah.","start":2710.94,"end":2711.44,"sentiment":"neutral","sentiment_score":0.08433707058429718}],"sentiment":"neutral","sentiment_score":0.1370231675751069,"num_words":34,"start":2701.395,"end":2711.44},{"sentences":[{"text":"Yep.","start":2711.5798,"end":2712.0798,"sentiment":"neutral","sentiment_score":0.20937304198741913},{"text":"Perfect.","start":2712.3,"end":2712.8,"sentiment":"positive","sentiment_score":0.5604464411735535},{"text":"All good.","start":2713.5,"end":2714.24,"sentiment":"positive","sentiment_score":0.5675946176052094},{"text":"With the TBD cover, so TBD or total permanent disability pays out, it can be either a lump sum benefit or an income stream in the event that you're permanently incapacitated.","start":2714.94,"end":2724.255,"sentiment":"neutral","sentiment_score":0.12306176702822408},{"text":"So sorry.","start":2725.675,"end":2726.155,"sentiment":"neutral","sentiment_score":-0.23922743648290634}],"sentiment":"neutral","sentiment_score":0.1416613141427169,"num_words":37,"start":2711.5798,"end":2726.155},{"sentences":[{"text":"I've got the hiccups.","start":2726.155,"end":2726.875,"sentiment":"negative","sentiment_score":-0.46006377041339874},{"text":"I do apologize.","start":2726.875,"end":2727.615,"sentiment":"neutral","sentiment_score":-0.3265487253665924},{"text":"TBD, just so you're aware, Natalie, is actually a taxable payment.","start":2728.635,"end":2732.91,"sentiment":"neutral","sentiment_score":-0.2568519399924712},{"text":"So if you are TBD'd on a successful claim and you're under the age of 60, and I wholeheartedly disagree with this, but, unfortunately, TBD is taxed, and it can be up to 22%.","start":2732.91,"end":2744.575,"sentiment":"neutral","sentiment_score":-0.3323931409155621},{"text":"So it means the amount you're covered for is not exactly likely to be the amount you get.","start":2744.575,"end":2749.375,"sentiment":"negative","sentiment_score":-0.4741077754232619}],"sentiment":"negative","sentiment_score":-0.36400827637740546,"num_words":70,"start":2726.155,"end":2749.375},{"sentences":[{"text":"However, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money.","start":2749.375,"end":2762.38,"sentiment":"neutral","sentiment_score":0.1626333983784372},{"text":"Does that make sense?","start":2762.38,"end":2763.52,"sentiment":"neutral","sentiment_score":0.12460345402359962},{"text":"Yeah.","start":2764.8599,"end":2765.3599,"sentiment":"neutral","sentiment_score":0.10925202071666718},{"text":"At the moment, your TBD sum insured is the same as the life amount, the 327,000.","start":2766.0598,"end":2772.0598,"sentiment":"neutral","sentiment_score":0.12258484307676554},{"text":"Do you feel like that's a comfortable amount to be covered for?","start":2772.0598,"end":2775.335,"sentiment":"neutral","sentiment_score":0.1461286898702383}],"sentiment":"neutral","sentiment_score":0.14907061211861572,"num_words":77,"start":2749.375,"end":2775.335},{"sentences":[{"text":"Did you wanna look at changing that at all?","start":2775.335,"end":2777.675,"sentiment":"neutral","sentiment_score":0.0020728320297267702},{"text":"Yep.","start":2780.295,"end":2780.795,"sentiment":"neutral","sentiment_score":0.03652524948120117},{"text":"And if you claim on TBD under the conditions of release of super, we can also claim permanent incapacity on your super and have that released as well.","start":2780.855,"end":2788.89,"sentiment":"neutral","sentiment_score":-0.03726585495418736},{"text":"Okay?","start":2789.13,"end":2789.63,"sentiment":"neutral","sentiment_score":0.03315921127796173},{"text":"Yep.","start":2791.13,"end":2791.6099,"sentiment":"neutral","sentiment_score":0.12548571825027466}],"sentiment":"neutral","sentiment_score":-0.020740456786006688,"num_words":40,"start":2775.335,"end":2791.6099},{"sentences":[{"text":"Perfect.","start":2791.6099,"end":2792.1099,"sentiment":"positive","sentiment_score":0.38663315773010254},{"text":"Do you have any questions about that at all?","start":2792.17,"end":2794.25,"sentiment":"neutral","sentiment_score":0.1998798449834188},{"text":"You're welcome to It's okay.","start":2794.25,"end":2798.5898,"sentiment":"neutral","sentiment_score":0.2428824633359909},{"text":"Yep.","start":2800.3298,"end":2800.8298,"sentiment":"neutral","sentiment_score":0.2340993881225586},{"text":"Perfect.","start":2800.97,"end":2801.47,"sentiment":"positive","sentiment_score":0.3908400535583496}],"sentiment":"neutral","sentiment_score":0.23675903064363144,"num_words":17,"start":2791.6099,"end":2801.47},{"sentences":[{"text":"So just to kind of recap, I'm gonna go back.","start":2802.215,"end":2804.695,"sentiment":"neutral","sentiment_score":0.15515729710459708},{"text":"You're happy with the insurances you have there with your life and TBD.","start":2804.695,"end":2807.735,"sentiment":"positive","sentiment_score":0.41678325029519886},{"text":"We're gonna look at some income protection.","start":2807.735,"end":2809.675,"sentiment":"neutral","sentiment_score":0.2100980579853058},{"text":"I'll get some quotes for you.","start":2810.295,"end":2812.135,"sentiment":"neutral","sentiment_score":0.20598261306683222},{"text":"I'll look at the ninety day waiting yeah.","start":2812.135,"end":2814.615,"sentiment":"neutral","sentiment_score":0.10285774245858192}],"sentiment":"neutral","sentiment_score":0.23861816474659878,"num_words":44,"start":2802.215,"end":2814.615},{"sentences":[{"text":"Ninety day waiting period.","start":2814.615,"end":2815.975,"sentiment":"neutral","sentiment_score":0.048456414602696896},{"text":"I'll get sorry.","start":2815.975,"end":2817.5999,"sentiment":"neutral","sentiment_score":0.03174929320812225},{"text":"You're at yep.","start":2817.5999,"end":2820.98,"sentiment":"neutral","sentiment_score":0.04775207365552584},{"text":"Yep.","start":2821.5198,"end":2822.0198,"sentiment":"neutral","sentiment_score":-0.03002053312957287},{"text":"It can be taxed up to 22%.","start":2827.44,"end":2830.0798,"sentiment":"neutral","sentiment_score":-0.053317279155765264}],"sentiment":"neutral","sentiment_score":0.0016160150989890099,"num_words":18,"start":2814.615,"end":2830.0798},{"sentences":[{"text":"So if you go through a claim, there's a weird little math equation that they use.","start":2830.0798,"end":2834.665,"sentiment":"neutral","sentiment_score":-0.030939782387576997},{"text":"They essentially look at your age you are at time of claim, when you are on a when you stopped working or when you were made disabled.","start":2834.665,"end":2841.165,"sentiment":"neutral","sentiment_score":-0.014986143757899603},{"text":"They subtract that from the age of 65.","start":2841.865,"end":2845.405,"sentiment":"neutral","sentiment_score":-0.0016921106725931163},{"text":"They also look at your tax free taxable components inside your super, and then they have what's called a relevant number.","start":2845.63,"end":2852.93,"sentiment":"neutral","sentiment_score":0.054114567736784615},{"text":"So to work that out, it's basically working on the eligible service date or the opens or the date you're super open.","start":2853.47,"end":2861.425,"sentiment":"neutral","sentiment_score":0.07635310969569466}],"sentiment":"neutral","sentiment_score":0.0202444154333244,"num_words":94,"start":2830.0798,"end":2861.425},{"sentences":[{"text":"It just comes down to what they use at the time of claim.","start":2861.425,"end":2864.725,"sentiment":"neutral","sentiment_score":0.05677019862028269},{"text":"And that tells them how much tax should be paid.","start":2865.185,"end":2868.645,"sentiment":"neutral","sentiment_score":0.03530930131673813},{"text":"Most of the time, you don't get taxed at up to 22%.","start":2868.865,"end":2872.325,"sentiment":"neutral","sentiment_score":0.029667532498327393},{"text":"And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable.","start":2872.73,"end":2882.75,"sentiment":"neutral","sentiment_score":0.30294622345404193},{"text":"And the tax payable is also if you take it as an income stream as opposed to a lump sum can also reduce the tax payable on it because you're taking smaller amounts of money on a regular basis.","start":2883.45,"end":2895.085,"sentiment":"positive","sentiment_score":0.441134838721691}],"sentiment":"neutral","sentiment_score":0.2677439258816852,"num_words":107,"start":2861.425,"end":2895.085},{"sentences":[{"text":"And it means the money stays invested for you as well.","start":2895.7048,"end":2898.6648,"sentiment":"positive","sentiment_score":0.4749518091028387},{"text":"So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60.","start":2898.6648,"end":2909.94,"sentiment":"neutral","sentiment_score":0.15759160660388993},{"text":"Does that make sense?","start":2910.16,"end":2911.3,"sentiment":"neutral","sentiment_score":0.06647923775017262},{"text":"Yep.","start":2912.0,"end":2912.5,"sentiment":"neutral","sentiment_score":0.1692999005317688},{"text":"Yep.","start":2912.56,"end":2913.06,"sentiment":"neutral","sentiment_score":0.24844706058502197}],"sentiment":"neutral","sentiment_score":0.21326533936221023,"num_words":58,"start":2895.7048,"end":2913.06},{"sentences":[{"text":"Perfect.","start":2913.36,"end":2913.86,"sentiment":"positive","sentiment_score":0.4671769440174103},{"text":"Sorry.","start":2913.92,"end":2914.32,"sentiment":"neutral","sentiment_score":0.18166133761405945},{"text":"There's a lot to it.","start":2914.32,"end":2915.6199,"sentiment":"neutral","sentiment_score":0.1228431984782219},{"text":"On the upside, if you did ever have the claim, you have us here.","start":2919.485,"end":2923.0051,"sentiment":"neutral","sentiment_score":0.23568321338721684},{"text":"We will take care of all of that.","start":2923.0051,"end":2924.445,"sentiment":"positive","sentiment_score":0.3973221406340599}],"sentiment":"neutral","sentiment_score":0.26693780643158943,"num_words":29,"start":2913.36,"end":2924.445},{"sentences":[{"text":"We'll provide advice, and we'll help you to structure it and do everything we can to minimize the tax effect for you.","start":2924.445,"end":2930.7651,"sentiment":"positive","sentiment_score":0.4043176147070798},{"text":"Okay?","start":2930.7651,"end":2931.2651,"sentiment":"neutral","sentiment_score":0.16209782660007477},{"text":"Yep.","start":2932.02,"end":2932.52,"sentiment":"neutral","sentiment_score":0.16601887345314026},{"text":"All good.","start":2934.34,"end":2935.08,"sentiment":"positive","sentiment_score":0.37023231387138367},{"text":"I wholeheartedly disagree with the tax side of the TPD.","start":2935.54,"end":2938.76,"sentiment":"neutral","sentiment_score":-0.298193621635437}],"sentiment":"neutral","sentiment_score":0.193934239861038,"num_words":36,"start":2924.445,"end":2938.76},{"sentences":[{"text":"I think if you're unable to work due to disablement, I don't think you should ever be taxed, but that is that is just my opinion over the governments, unfortunately.","start":2938.82,"end":2946.7449,"sentiment":"negative","sentiment_score":-0.34092512875795367},{"text":"Yeah.","start":2949.125,"end":2949.625,"sentiment":"neutral","sentiment_score":-0.0004596635699272156},{"text":"So I'll go back.","start":2950.4849,"end":2951.6848,"sentiment":"neutral","sentiment_score":0.03981140535324812},{"text":"I'll have a look at the super.","start":2951.6848,"end":2953.045,"sentiment":"neutral","sentiment_score":0.13072926657540457},{"text":"I'll look at reviewing the investments within the super.","start":2953.045,"end":2955.605,"sentiment":"neutral","sentiment_score":0.17391076683998108}],"sentiment":"neutral","sentiment_score":-0.14879737524133102,"num_words":51,"start":2938.82,"end":2955.605},{"sentences":[{"text":"I'll keep you in that kind of growth environment there.","start":2955.605,"end":2958.4248,"sentiment":"neutral","sentiment_score":0.25370375216007235},{"text":"I'll look at this tax consequences of changing your portfolio as well to see what that looks like, make sure we're minimizing that for you.","start":2958.805,"end":2966.47,"sentiment":"neutral","sentiment_score":0.25331713020801544},{"text":"I'll get some quotes to the income protection and email them through to you.","start":2966.69,"end":2970.3098,"sentiment":"neutral","sentiment_score":0.245784658406462},{"text":"I'll send you an email after this call which recaps the things that we spoke about and went through.","start":2970.3699,"end":2975.325,"sentiment":"neutral","sentiment_score":0.2279584172524904},{"text":"If I have additional questions, I can always pop them in there, and I'll get you to send me a copy of your payslip, and I'll also get you to send me a copy of your home loan statement.","start":2975.645,"end":2984.525,"sentiment":"neutral","sentiment_score":0.1789773368419936}],"sentiment":"neutral","sentiment_score":0.2207689444778191,"num_words":107,"start":2955.605,"end":2984.525},{"sentences":[{"text":"And I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect.","start":2984.525,"end":2992.03,"sentiment":"neutral","sentiment_score":0.08656808656865153},{"text":"Does that sound okay?","start":2992.09,"end":2993.2102,"sentiment":"neutral","sentiment_score":0.08529266901314259},{"text":"Have I missed anything at all?","start":2993.2102,"end":2995.07,"sentiment":"neutral","sentiment_score":-0.055445769180854164},{"text":"That's okay?","start":2997.05,"end":2997.87,"sentiment":"neutral","sentiment_score":0.26213279366493225},{"text":"Perfect.","start":2998.4102,"end":2998.9102,"sentiment":"positive","sentiment_score":0.5941600799560547}],"sentiment":"neutral","sentiment_score":0.08660467235105378,"num_words":42,"start":2984.525,"end":2998.9102},{"sentences":[{"text":"I'll start by sending you an email with a bit of a recap and those things, and then we can kinda go from there.","start":2999.6902,"end":3005.065,"sentiment":"neutral","sentiment_score":0.2765761675933997},{"text":"You'll then also have my contact, and you can email me any questions you have.","start":3005.605,"end":3009.605,"sentiment":"neutral","sentiment_score":0.17660225828488668},{"text":"I know sometimes questions come up out of the blue that you think, oh, I should have asked that.","start":3009.605,"end":3014.005,"sentiment":"neutral","sentiment_score":0.11050254498657427},{"text":"Just email them through to me.","start":3014.005,"end":3015.285,"sentiment":"neutral","sentiment_score":0.20996550967295965},{"text":"I'm happy to answer them.","start":3015.285,"end":3016.4849,"sentiment":"positive","sentiment_score":0.46974414587020874}],"sentiment":"neutral","sentiment_score":0.2173177396905595,"num_words":69,"start":2999.6902,"end":3016.4849},{"sentences":[{"text":"I work generally Monday to Thursday.","start":3016.4849,"end":3018.5999,"sentiment":"neutral","sentiment_score":0.1289633015791575},{"text":"I do take Friday off with my little son, but I'm here generally from 07:30 in the morning till about six, 07:00 at night, Monday to Thursday.","start":3018.5999,"end":3026.2,"sentiment":"neutral","sentiment_score":0.1186445129138452},{"text":"So I will always answer any questions at the earliest opportunity possible.","start":3026.2,"end":3030.22,"sentiment":"neutral","sentiment_score":0.1696536478896936},{"text":"Okay?","start":3030.3599,"end":3030.8599,"sentiment":"neutral","sentiment_score":0.11268171668052672},{"text":"That's okay.","start":3033.235,"end":3034.215,"sentiment":"positive","sentiment_score":0.3844458609819412}],"sentiment":"neutral","sentiment_score":0.14363747648894787,"num_words":48,"start":3016.4849,"end":3034.215},{"sentences":[{"text":"That's not a problem at all.","start":3034.355,"end":3035.555,"sentiment":"positive","sentiment_score":0.4449833184480667},{"text":"Is there anything else that kinda comes to mind or anything that you might wanna ask me while you've got me here as well?","start":3035.555,"end":3041.175,"sentiment":"neutral","sentiment_score":0.0918601790132622},{"text":"No?","start":3042.595,"end":3043.095,"sentiment":"neutral","sentiment_score":0.013404261320829391},{"text":"That's okay.","start":3044.12,"end":3044.84,"sentiment":"neutral","sentiment_score":0.29712316393852234},{"text":"We've touched on quite a lot, which is good.","start":3044.84,"end":3047.26,"sentiment":"positive","sentiment_score":0.39422207077344257}],"sentiment":"neutral","sentiment_score":0.21500460555156073,"num_words":42,"start":3034.355,"end":3047.26},{"sentences":[{"text":"Yeah.","start":3051.1602,"end":3051.6602,"sentiment":"neutral","sentiment_score":0.0773731991648674},{"text":"Perfect.","start":3052.28,"end":3052.78,"sentiment":"neutral","sentiment_score":0.12460046261548996},{"text":"That's okay.","start":3055.24,"end":3056.06,"sentiment":"neutral","sentiment_score":0.031798035837709904},{"text":"Not a problem.","start":3057.465,"end":3058.3652,"sentiment":"neutral","sentiment_score":0.13320157925287882},{"text":"All good.","start":3058.8252,"end":3059.385,"sentiment":"positive","sentiment_score":0.4027218520641327}],"sentiment":"neutral","sentiment_score":0.1634020194825199,"num_words":9,"start":3051.1602,"end":3059.385},{"sentences":[{"text":"I will let you go.","start":3059.385,"end":3060.2651,"sentiment":"neutral","sentiment_score":0.33256289958953855},{"text":"Thank you for taking my call.","start":3060.2651,"end":3061.625,"sentiment":"positive","sentiment_score":0.604889765381813},{"text":"I appreciate it.","start":3061.625,"end":3062.7651,"sentiment":"positive","sentiment_score":0.5426599383354187},{"text":"I'll send you an email, and we can kinda go from there for you.","start":3062.8252,"end":3065.625,"sentiment":"positive","sentiment_score":0.35048137818064007},{"text":"Okay?","start":3065.625,"end":3066.125,"sentiment":"neutral","sentiment_score":0.29750344157218933}],"sentiment":"positive","sentiment_score":0.4180819186671027,"num_words":29,"start":3059.385,"end":3066.125},{"sentences":[{"text":"My pleasure, Natalie.","start":3068.439,"end":3069.6392,"sentiment":"positive","sentiment_score":0.6909141143163046},{"text":"You have a lovely day.","start":3069.6392,"end":3071.019,"sentiment":"positive","sentiment_score":0.774372911453247},{"text":"Thanks.","start":3072.3591,"end":3072.8591,"sentiment":"positive","sentiment_score":0.47054505348205566},{"text":"See you later.","start":3072.919,"end":3073.719,"sentiment":"positive","sentiment_score":0.37605387965838116},{"text":"Bye.","start":3073.719,"end":3074.219,"sentiment":"neutral","sentiment_score":-0.0027274759486317635}],"sentiment":"positive","sentiment_score":0.5800450859018244,"num_words":13,"start":3068.439,"end":3074.219}]}}]},{"alternatives":[{"transcript":"Hello. Natalie speaking. Yeah. Good. Thanks. How are you? Yeah. Yeah. Today's good. Yes. Thanks. Yeah. So you need that? Yeah. Sorry. Natalie Louise Reynolds. Number 6, Ballet Present, Sunbury, Victoria 3429. 03/09/1977. Yeah. Good. Just yeah. Back into it now. Work picked up and yeah. I was always busy where what I'm doing. But yeah. No. Good. It's going yeah. Good. I'm going now. So it's gone. But yeah. No. Basic good and stuff. But yeah. Yeah. Look. I was looking to maybe changing. I'll just raise the thought to Australian Super. Just one of my family, you know, mentioned it to me that they're really good, and I just don't know how all that works. Like, does it work about your does it work on, you know, your own employment? Or yeah. No idea how that yeah. Yeah. Yeah. Okay. But, yeah, I just don't know. So being with you guys and so, really, it purely depends on your my purchase. Is that right? So it's not really about how much you earn your income or what type of work, you know, industry you work in. It's got nothing to do with that. Yes. No. Yes. Yes. Okay. Yeah. Okay. Alright. That is one question. But, yeah, what was were you calling also about a a review or just was that was that done? And then I had some questions and that's what's escalated. Mhmm. Yes. Okay. Yeah. Yeah. Now yeah. I just just yeah. It's been a little while. So I just wanted to make sure. Yeah. That's good. That was Samantha. Yes. Okay. Now my next question now I was just come into some inheritance. Okay. I don't know whether to put it into my super or do I put it on my house mortgage? What's your thoughts on something like that? Like, it's it's not a large and, like, huge amount, but it's something. Yeah. I don't know. Like, which way to which way to do it? Yeah. Yeah. Yeah. Pretty nice. Yeah. But, obviously, I want my super to grow too because if I'd want to access my super to pay off my house, you know, whatever I can put into it now, yeah, great. But maybe this lump sum, will it help grow my super more? So at time of retirement, you know, I might have that extra because of that lump sum. You know? Yeah. Yeah. Yeah. I could. Just just I don't know if it'll be today, but as soon as I can. So is there any is there any cost to doing this, like, fees now? Because I'm talking about this. Because that's my main concern too. Like, I don't wanna, you know, come at retirement age and, you know, like you're saying, other super funds, you know, they might have not have all these overheads and these reviews. Obviously, there's I don't know. Is there, like, I don't want it to all go in fees and charges. Do you know what I'm saying? Like yeah. Yeah. Okay. Yeah. Another ticket. I think I did. Someone rang up and yeah. I'm pretty sure he followed up, and I've signed it. And then I didn't hear I'm not sure. Yeah. Didn't hear nothing. I don't think. Okay. Yeah. No. I'm just yeah. Family member mentioned it to me, and they're super you know, this one is one of my brothers. And, yeah, he's like, you know, why don't you change it over to they're really good and like, oh, okay. Yeah. Like, I was just oh, you know, I'll go I'm pretty happy, but I just don't have all these fees and that, like, I don't wanna lose money at the end yet because I don't even know I've been hearing at my when I do get to retirement age, there's not even gonna be pensions around. Apparently, they stop at 60 when when you're born after 69. That's what I've been yeah. Yeah. Okay. That's what I was thinking. Yeah. Like, everyone's gonna become homeless. Like, you know, I don't know how I've heard this, and I'm like, what? Really? Yep. Yeah. Alright. Yeah. Yeah. Yeah. That sounds good. Yeah. Yeah. Okay. Okay. Also, I still wanna look into that income protection. Yeah. I know some time ago you sent me some quotes. Can you please resend them again? Yep. Yeah. I think it's increased a little bit. Gotta double check it, to tell you the truth. Not much, but yeah. It's yeah. Where I am, it's yeah. I'm trying to look for another job too with the higher income, But I just enjoy what I do and, you know, you get into it and get comfortable, yeah, with the people and but, yeah, I should be really with the experience that I've had and what I'm doing. I don't think they pay enough, and it's always the case, and I don't think they're gonna budge. So Yeah. So, you know, you hear a lot of calls. Mental your own mental health. People wanna kill themselves, and you gotta really dig, delete the calls and raise, you know, welfare checks and then notify the clients within this time frame. And, oh my god. You know, it's quite on your own mental health. It's yeah. And what they pay is peanuts really to what we have to listen to sometimes. And not even just that. Just people's medical conditions and how they're living and yeah. Sometimes it really it yeah. Puts it just yeah. Yeah. I don't know how to say it, but it it it it affects you. Yeah? Like, you just reflect on the call sometimes, you know, like, shit. How do these people gonna be alright? But then again, you don't know how true it is either. You know what I mean? But you can't, yeah, you can't discriminate in that way at all whatsoever. So yeah. Yeah. No worries. I'll grab that too. Yep. Yeah. Yeah. Probably the second one for now. And these can be changed, Kenneth, or one yeah. So is that direct through you guys? As in sorry. Where are you from again? I see. Yeah. So is it the income protection through you guys or through yeah. Okay. Alright. And is that hap is that what's happened with my life insurance? Yeah. Okay. I'm just trying to understand it. Yeah. Yeah. Okay. Okay. Yep. Okay. Now I get it. Alright. Yeah. If you can do that, send me that email. I'll send you the bank statement, loan, and payslip, and, yeah, if you can get back to me regarding those quotes with the hire the longer period, sorry, for now. Yeah. That'll be good. Yeah. I mean, whatever the longest period is. Yeah. Yeah. Yeah. Yeah. So that yeah. Okay. So what is that again? The five year? So I'm paying more for premium. What wouldn't I be paying less? I mean, I don't know. That's what Yeah. Yeah. Yeah. Yeah. Yeah. And how how quick can you claim? Like I mean, like, let's say now, you know, something let's say, I don't want it to happen, but something happens. How does that work? Okay. Yeah. Can you send me some information on all of that as well? Yes. Yes, please. Yes. Yeah. So I did receive a 100, but yeah. I've yeah. I had to buy a car and yeah. So I've got about $30. I paid out some stuff. So yeah. Yep. Yeah. Let's just say 20 5 to now just in case if I wanna yeah. Yeah. Yes. Yeah. Okay. Yeah. Yeah. I don't know. Like, yeah, it all depends on paying this mortgage while, you know, late sixties, you know, mid sixties, mid to late. No. Probably the one prior to this one, you're at this point. Yeah. Yeah. Yeah. It does. Obviously yeah. Probably the second one. What do you mean? Borrow yeah. No. I'm not really yeah. I'm not in that capacity. Yeah. No. Yeah. Sorry. What was that? If I'm not sure yeah. At the moment, I look I'm alright where I am. It's doing has gone up. But, yeah, I wouldn't mind, like, you know, something a little bit more, you know, less. Then again, you know, you want to return. Yes. Yeah. Yeah. Yeah. It does. Yeah. Alright. Yes. Yeah. Okay. Yep. He's not weak. He said He was us? Yes. Yes. Yeah. No problem. Thanks. Yeah. Yeah. So my house and yep. And, yeah, to my daughter. But, yeah, that's enough whole thing. Because I need to do it for Will and stuff. I'm in a you know, we're separated, but, yeah, he's he's his daughter, and she's got his name. I just don't want him. If anything happens to me, he walks in here. Thanks. Yeah. Do you know what I mean? I want it for you. Yeah. Yeah. Yeah. Yeah. It is. So that's it. That's with that money sitting in there, the redraw. Yeah. Yeah. Yes. Yeah. No. So she's only 10. That's what I'm saying. Yeah. She's at the Okay. Yeah. Yeah. So I already someone that I wanted to be. So how does that do I yeah. So yeah. Do I do we speak at this further or I mean Yeah. So I need to give you guys that name of the estate. I need to provide that to you guys then. Yeah. Yeah. I yeah. I yep. Cool. It's the other thing. Yeah. But yeah. Okay. It's good to yep. Yes. Let's see. Mhmm. Yeah. No. Just leave it. Okay. You know. Yeah. Yeah. Thank you. PPG or whatever it is. Sorry. So that amount, that's gonna be taxed 20% or something. Yeah. Yeah. No. I guess. Thank you. Yeah. No. That's perfect. Yep. Yep. Yep. No problem. Thank you. Thanks, Dana. No. I'm good for now. Thanks. Yep. And so yeah. All of that out of my mind. That's why I needed rescheduling, but, yeah, I gotta jump on now. Get back on with awesome. Thanks, Dana. Appreciate it. You too. Thank you. 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Natalie speaking. Yeah. Good. Thanks.\n\nHow are you? Yeah. Yeah. Today's good. Yes.\n\nThanks. Yeah. So you need that? Yeah. Sorry.\n\nNatalie Louise Reynolds. Number 6, Ballet Present, Sunbury, Victoria 3429. 03/09/1977. Yeah. Good.\n\nJust yeah. Back into it now. Work picked up and yeah. I was always busy where what I'm doing. But yeah.\n\nNo. Good. It's going yeah. Good. I'm going now.\n\nSo it's gone. But yeah. No. Basic good and stuff. But yeah.\n\nYeah. Look. I was looking to maybe changing. I'll just raise the thought to Australian Super. Just one of my family, you know, mentioned it to me that they're really good, and I just don't know how all that works.\n\nLike, does it work about your does it work on, you know, your own employment? Or yeah. No idea how that yeah. Yeah. Yeah.\n\nOkay. But, yeah, I just don't know. So being with you guys and so, really, it purely depends on your my purchase. Is that right? So it's not really about how much you earn your income or what type of work, you know, industry you work in.\n\nIt's got nothing to do with that. Yes. No. Yes. Yes.\n\nOkay. Yeah. Okay. Alright. That is one question.\n\nBut, yeah, what was were you calling also about a a review or just was that was that done? And then I had some questions and that's what's escalated. Mhmm. Yes. Okay.\n\nYeah. Yeah. Now yeah. I just just yeah. It's been a little while.\n\nSo I just wanted to make sure. Yeah. That's good. That was Samantha. Yes.\n\nOkay. Now my next question now I was just come into some inheritance. Okay. I don't know whether to put it into my super or do I put it on my house mortgage? What's your thoughts on something like that?\n\nLike, it's it's not a large and, like, huge amount, but it's something. Yeah. I don't know. Like, which way to which way to do it? Yeah.\n\nYeah. Yeah. Pretty nice. Yeah. But, obviously, I want my super to grow too because if I'd want to access my super to pay off my house, you know, whatever I can put into it now, yeah, great.\n\nBut maybe this lump sum, will it help grow my super more? So at time of retirement, you know, I might have that extra because of that lump sum. You know? Yeah. Yeah.\n\nYeah. I could. Just just I don't know if it'll be today, but as soon as I can. So is there any is there any cost to doing this, like, fees now? Because I'm talking about this.\n\nBecause that's my main concern too. Like, I don't wanna, you know, come at retirement age and, you know, like you're saying, other super funds, you know, they might have not have all these overheads and these reviews. Obviously, there's I don't know. Is there, like, I don't want it to all go in fees and charges. Do you know what I'm saying?\n\nLike yeah. Yeah. Okay. Yeah. Another ticket.\n\nI think I did. Someone rang up and yeah. I'm pretty sure he followed up, and I've signed it. And then I didn't hear I'm not sure. Yeah.\n\nDidn't hear nothing. I don't think. Okay. Yeah. No.\n\nI'm just yeah. Family member mentioned it to me, and they're super you know, this one is one of my brothers. And, yeah, he's like, you know, why don't you change it over to they're really good and like, oh, okay. Yeah. Like, I was just oh, you know, I'll go I'm pretty happy, but I just don't have all these fees and that, like, I don't wanna lose money at the end yet because I don't even know I've been hearing at my when I do get to retirement age, there's not even gonna be pensions around.\n\nApparently, they stop at 60 when when you're born after 69. That's what I've been yeah. Yeah. Okay. That's what I was thinking.\n\nYeah. Like, everyone's gonna become homeless. Like, you know, I don't know how I've heard this, and I'm like, what? Really? Yep.\n\nYeah. Alright. Yeah. Yeah. Yeah.\n\nThat sounds good. Yeah. Yeah. Okay. Okay.\n\nAlso, I still wanna look into that income protection. Yeah. I know some time ago you sent me some quotes. Can you please resend them again? Yep.\n\nYeah. I think it's increased a little bit. Gotta double check it, to tell you the truth. Not much, but yeah. It's yeah.\n\nWhere I am, it's yeah. I'm trying to look for another job too with the higher income, But I just enjoy what I do and, you know, you get into it and get comfortable, yeah, with the people and but, yeah, I should be really with the experience that I've had and what I'm doing. I don't think they pay enough, and it's always the case, and I don't think they're gonna budge. So Yeah. So, you know, you hear a lot of calls.\n\nMental your own mental health. People wanna kill themselves, and you gotta really dig, delete the calls and raise, you know, welfare checks and then notify the clients within this time frame. And, oh my god. You know, it's quite on your own mental health. It's yeah.\n\nAnd what they pay is peanuts really to what we have to listen to sometimes. And not even just that. Just people's medical conditions and how they're living and yeah. Sometimes it really it yeah. Puts it just yeah.\n\nYeah. I don't know how to say it, but it it it it affects you. Yeah? Like, you just reflect on the call sometimes, you know, like, shit. How do these people gonna be alright?\n\nBut then again, you don't know how true it is either. You know what I mean? But you can't, yeah, you can't discriminate in that way at all whatsoever. So yeah. Yeah.\n\nNo worries. I'll grab that too. Yep. Yeah. Yeah.\n\nProbably the second one for now. And these can be changed, Kenneth, or one yeah. So is that direct through you guys? As in sorry. Where are you from again?\n\nI see. Yeah. So is it the income protection through you guys or through yeah. Okay. Alright.\n\nAnd is that hap is that what's happened with my life insurance? Yeah. Okay. I'm just trying to understand it. Yeah.\n\nYeah. Okay. Okay. Yep. Okay.\n\nNow I get it. Alright. Yeah. If you can do that, send me that email. I'll send you the bank statement, loan, and payslip, and, yeah, if you can get back to me regarding those quotes with the hire the longer period, sorry, for now.\n\nYeah. That'll be good. Yeah. I mean, whatever the longest period is. Yeah.\n\nYeah. Yeah. Yeah. So that yeah. Okay.\n\nSo what is that again? The five year? So I'm paying more for premium. What wouldn't I be paying less? I mean, I don't know.\n\nThat's what Yeah. Yeah. Yeah. Yeah. Yeah.\n\nAnd how how quick can you claim? Like I mean, like, let's say now, you know, something let's say, I don't want it to happen, but something happens. How does that work? Okay. Yeah.\n\nCan you send me some information on all of that as well? Yes. Yes, please. Yes. Yeah.\n\nSo I did receive a 100, but yeah. I've yeah. I had to buy a car and yeah. So I've got about $30. I paid out some stuff.\n\nSo yeah. Yep. Yeah. Let's just say 20 5 to now just in case if I wanna yeah. Yeah.\n\nYes. Yeah. Okay. Yeah. Yeah.\n\nI don't know. Like, yeah, it all depends on paying this mortgage while, you know, late sixties, you know, mid sixties, mid to late. No. Probably the one prior to this one, you're at this point. Yeah.\n\nYeah. Yeah. It does. Obviously yeah. Probably the second one.\n\nWhat do you mean? Borrow yeah. No. I'm not really yeah. I'm not in that capacity.\n\nYeah. No. Yeah. Sorry. What was that?\n\nIf I'm not sure yeah. At the moment, I look I'm alright where I am. It's doing has gone up. But, yeah, I wouldn't mind, like, you know, something a little bit more, you know, less. Then again, you know, you want to return.\n\nYes. Yeah. Yeah. Yeah. It does.\n\nYeah. Alright. Yes. Yeah. Okay.\n\nYep. He's not weak. He said He was us? Yes. Yes.\n\nYeah. No problem. Thanks. Yeah. Yeah.\n\nSo my house and yep. And, yeah, to my daughter. But, yeah, that's enough whole thing. Because I need to do it for Will and stuff. I'm in a you know, we're separated, but, yeah, he's he's his daughter, and she's got his name.\n\nI just don't want him. If anything happens to me, he walks in here. Thanks. Yeah. Do you know what I mean?\n\nI want it for you. Yeah. Yeah. Yeah. Yeah.\n\nIt is. So that's it. That's with that money sitting in there, the redraw. Yeah. Yeah.\n\nYes. Yeah. No. So she's only 10. That's what I'm saying.\n\nYeah. She's at the Okay. Yeah. Yeah. So I already someone that I wanted to be.\n\nSo how does that do I yeah. So yeah. Do I do we speak at this further or I mean Yeah. So I need to give you guys that name of the estate. I need to provide that to you guys then.\n\nYeah. Yeah. I yeah. I yep. Cool.\n\nIt's the other thing. Yeah. But yeah. Okay. It's good to yep.\n\nYes. Let's see. Mhmm. Yeah. No.\n\nJust leave it. Okay. You know. Yeah. Yeah.\n\nThank you. PPG or whatever it is. Sorry. So that amount, that's gonna be taxed 20% or something. Yeah.\n\nYeah. No. I guess. Thank you. Yeah.\n\nNo. That's perfect. Yep. Yep. Yep.\n\nNo problem. Thank you. Thanks, Dana. No. I'm good for now.\n\nThanks. Yep. And so yeah. All of that out of my mind. That's why I needed rescheduling, but, yeah, I gotta jump on now.\n\nGet back on with awesome. Thanks, Dana. Appreciate it. You too. Thank you.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.029552036896348},{"text":"Natalie speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.0230326009914279},{"text":"Yeah.","start":7.04,"end":7.44,"sentiment":"neutral","sentiment_score":0.2344132363796234},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5023143291473389},{"text":"Thanks.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.5187790393829346}],"sentiment":"neutral","sentiment_score":0.2218539739648501,"num_words":6,"start":1.76,"end":8.08},{"sentences":[{"text":"How are 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3429.","start":44.355,"end":48.535,"sentiment":"neutral","sentiment_score":0.018534230600510324},{"text":"03/09/1977.","start":48.915,"end":50.614998,"sentiment":"neutral","sentiment_score":0.016644051298499107},{"text":"Yeah.","start":58.05,"end":58.37,"sentiment":"neutral","sentiment_score":0.11913131177425385},{"text":"Good.","start":58.37,"end":58.85,"sentiment":"neutral","sentiment_score":0.1642242670059204}],"sentiment":"neutral","sentiment_score":0.03652268347258751,"num_words":13,"start":42.675,"end":58.85},{"sentences":[{"text":"Just yeah.","start":58.85,"end":59.489998,"sentiment":"neutral","sentiment_score":0.07588004693388939},{"text":"Back into it now.","start":59.489998,"end":60.87,"sentiment":"neutral","sentiment_score":0.04777985252439976},{"text":"Work picked up and yeah.","start":61.17,"end":63.11,"sentiment":"neutral","sentiment_score":0.043586090207099915},{"text":"I was always busy where what I'm 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yeah.","start":123.104996,"end":125.045,"sentiment":"neutral","sentiment_score":-0.07723270803689956},{"text":"Yeah.","start":234.63501,"end":235.035,"sentiment":"neutral","sentiment_score":0.11500592529773712},{"text":"Yeah.","start":235.035,"end":235.43501,"sentiment":"neutral","sentiment_score":0.08306793868541718}],"sentiment":"neutral","sentiment_score":-0.002920384635217488,"num_words":24,"start":113.95,"end":235.43501},{"sentences":[{"text":"Okay.","start":235.43501,"end":235.93501,"sentiment":"neutral","sentiment_score":0.06710180640220642},{"text":"But, yeah, I just don't know.","start":237.515,"end":239.615,"sentiment":"neutral","sentiment_score":-0.027447444076339405},{"text":"So being with you guys and so, really, it purely depends on your my purchase.","start":239.675,"end":246.75,"sentiment":"neutral","sentiment_score":0.07372217973073324},{"text":"Is that right?","start":247.29001,"end":248.27,"sentiment":"neutral","sentiment_score":0.0684648168583711},{"text":"So it's 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is one question.","start":426.6,"end":428.14,"sentiment":"neutral","sentiment_score":0.015280387364327908}],"sentiment":"neutral","sentiment_score":0.03864266350865364,"num_words":8,"start":415.98502,"end":428.14},{"sentences":[{"text":"But, yeah, what was were you calling also about a a review or just was that was that done?","start":430.375,"end":440.715,"sentiment":"neutral","sentiment_score":-0.0008035729590215181},{"text":"And then I had some questions and that's what's 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Samantha.","start":465.03497,"end":465.85498,"sentiment":"neutral","sentiment_score":0.24287788073221842},{"text":"Yes.","start":466.235,"end":466.735,"sentiment":"neutral","sentiment_score":0.19829614460468292}],"sentiment":"neutral","sentiment_score":0.16394839329378946,"num_words":14,"start":462.555,"end":466.735},{"sentences":[{"text":"Okay.","start":468.79498,"end":469.29498,"sentiment":"neutral","sentiment_score":0.08458885550498962},{"text":"Now my next question now I was just come into some inheritance.","start":469.835,"end":475.86,"sentiment":"neutral","sentiment_score":-0.002490758585433165},{"text":"Okay.","start":477.84,"end":478.24,"sentiment":"neutral","sentiment_score":-0.025155529379844666},{"text":"I don't know whether to put it into my super or do I put it on my house mortgage?","start":478.24,"end":485.38,"sentiment":"neutral","sentiment_score":-0.17700045869538658},{"text":"What's your thoughts on something like 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think.","start":733.22504,"end":734.215,"sentiment":"neutral","sentiment_score":-0.11869088684519132},{"text":"Okay.","start":747.08997,"end":747.58997,"sentiment":"neutral","sentiment_score":0.08816583454608917},{"text":"Yeah.","start":773.83,"end":774.15,"sentiment":"neutral","sentiment_score":0.04180970788002014},{"text":"No.","start":774.15,"end":774.65,"sentiment":"neutral","sentiment_score":-0.11343401670455933}],"sentiment":"neutral","sentiment_score":-0.06142974396546682,"num_words":9,"start":732.59503,"end":774.65},{"sentences":[{"text":"I'm just yeah.","start":774.79004,"end":775.59,"sentiment":"neutral","sentiment_score":-0.03144994626442592},{"text":"Family member mentioned it to me, and they're super you know, this one is one of my brothers.","start":775.59,"end":781.69,"sentiment":"neutral","sentiment_score":0.18531504852904213},{"text":"And, yeah, he's like, you know, why don't you change it over to they're really good and like, oh, okay.","start":783.35004,"end":790.395,"sentiment":"neutral","sentiment_score":0.18516441211104392},{"text":"Yeah.","start":790.395,"end":790.79504,"sentiment":"neutral","sentiment_score":-0.02605193853378296},{"text":"Like, I was just oh, you know, I'll go I'm pretty happy, but I just don't have all these fees and that, like, I don't wanna lose money at the end yet because I don't even know I've been hearing at my when I do get to retirement age, there's not even gonna be pensions around.","start":790.79504,"end":806.28,"sentiment":"neutral","sentiment_score":-0.17930835112929344}],"sentiment":"neutral","sentiment_score":-0.03186439106963119,"num_words":98,"start":774.79004,"end":806.28},{"sentences":[{"text":"Apparently, they stop at 60 when when you're born after 69.","start":806.28,"end":811.34,"sentiment":"neutral","sentiment_score":-0.05603360435502096},{"text":"That's what I've been yeah.","start":813.52496,"end":815.865,"sentiment":"neutral","sentiment_score":-0.04672974087297917},{"text":"Yeah.","start":816.165,"end":816.665,"sentiment":"neutral","sentiment_score":-0.010267890989780426},{"text":"Okay.","start":843.615,"end":844.115,"sentiment":"neutral","sentiment_score":-0.2374659776687622},{"text":"That's what I was thinking.","start":863.25,"end":864.47,"sentiment":"neutral","sentiment_score":-0.13990634828805923}],"sentiment":"neutral","sentiment_score":-0.0781427809725637,"num_words":23,"start":806.28,"end":864.47},{"sentences":[{"text":"Yeah.","start":864.69,"end":865.08997,"sentiment":"neutral","sentiment_score":-0.043950844556093216},{"text":"Like, everyone's gonna become homeless.","start":865.08997,"end":868.16504,"sentiment":"neutral","sentiment_score":-0.16022295728325844},{"text":"Like, you know, I don't know how I've heard this, and I'm like, 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sounds good.","start":946.46,"end":947.42004,"sentiment":"neutral","sentiment_score":0.23407294849554697},{"text":"Yeah.","start":947.42004,"end":947.92004,"sentiment":"neutral","sentiment_score":0.24433019757270813},{"text":"Yeah.","start":954.665,"end":955.065,"sentiment":"neutral","sentiment_score":0.11001574993133544},{"text":"Okay.","start":955.065,"end":955.565,"sentiment":"neutral","sentiment_score":0.07286689430475235},{"text":"Okay.","start":956.265,"end":956.765,"sentiment":"neutral","sentiment_score":0.04432617127895355}],"sentiment":"neutral","sentiment_score":0.16767969408205577,"num_words":7,"start":946.46,"end":956.765},{"sentences":[{"text":"Also, I still wanna look into that income protection.","start":957.225,"end":959.965,"sentiment":"neutral","sentiment_score":0.042083515889114805},{"text":"Yeah.","start":962.185,"end":962.585,"sentiment":"neutral","sentiment_score":0.01952815242111683},{"text":"I know some time ago you sent me some quotes.","start":962.585,"end":965.485,"sentiment":"neutral","sentiment_score":0.005362305417656898},{"text":"Can you please resend them again?","start":968.59,"end":970.77,"sentiment":"neutral","sentiment_score":0.00671505027761062},{"text":"Yep.","start":980.51,"end":981.01,"sentiment":"neutral","sentiment_score":0.05986207723617554}],"sentiment":"neutral","sentiment_score":0.02044648994450216,"num_words":27,"start":957.225,"end":981.01},{"sentences":[{"text":"Yeah.","start":981.505,"end":982.005,"sentiment":"neutral","sentiment_score":0.13704967498779297},{"text":"I think it's increased a little bit.","start":993.185,"end":995.37,"sentiment":"neutral","sentiment_score":0.09046780956642968},{"text":"Gotta double check it, to tell you the truth.","start":995.45,"end":997.55,"sentiment":"neutral","sentiment_score":0.08941871093379127},{"text":"Not much, but yeah.","start":999.45,"end":1001.07,"sentiment":"neutral","sentiment_score":-0.0909996684640646},{"text":"It's yeah.","start":1001.77,"end":1002.41,"sentiment":"neutral","sentiment_score":-0.022611026652157307}],"sentiment":"neutral","sentiment_score":0.05069008753027605,"num_words":23,"start":981.505,"end":1002.41},{"sentences":[{"text":"Where I am, it's yeah.","start":1002.41,"end":1005.61,"sentiment":"neutral","sentiment_score":0.008445174992084503},{"text":"I'm trying to look for another job too with the higher income, But I just enjoy what I do and, you know, you get into it and get comfortable, yeah, with the people and but, yeah, I should be really with the experience that I've had and what I'm doing.","start":1005.61,"end":1025.57,"sentiment":"positive","sentiment_score":0.41686583939939736},{"text":"I don't think they pay enough, and it's always the case, and I don't think they're gonna budge.","start":1026.51,"end":1032.05,"sentiment":"negative","sentiment_score":-0.45651453567875755},{"text":"So Yeah.","start":1033.71,"end":1041.9451,"sentiment":"neutral","sentiment_score":0.03626633435487747},{"text":"So, you know, you hear a lot of calls.","start":1042.005,"end":1044.1051,"sentiment":"neutral","sentiment_score":-0.010354726057913568}],"sentiment":"neutral","sentiment_score":0.15056662305834748,"num_words":84,"start":1002.41,"end":1044.1051},{"sentences":[{"text":"Mental your own mental health.","start":1045.045,"end":1047.0651,"sentiment":"neutral","sentiment_score":-0.09425540864467621},{"text":"People wanna kill themselves, and you gotta really dig, delete the calls and raise, you know, welfare checks and then notify the clients within this time frame.","start":1047.3651,"end":1058.31,"sentiment":"neutral","sentiment_score":-0.04484488180390111},{"text":"And, oh my god.","start":1058.31,"end":1059.27,"sentiment":"neutral","sentiment_score":-0.08054072689265013},{"text":"You know, it's quite on your own mental 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alright?","start":1096.345,"end":1097.965,"sentiment":"neutral","sentiment_score":-0.14337908902338573}],"sentiment":"neutral","sentiment_score":-0.1699042827955314,"num_words":35,"start":1086.425,"end":1097.965},{"sentences":[{"text":"But then again, you don't know how true it is either.","start":1098.21,"end":1100.63,"sentiment":"neutral","sentiment_score":-0.165694634006782},{"text":"You know what I mean?","start":1101.57,"end":1102.71,"sentiment":"neutral","sentiment_score":-0.07150585278868675},{"text":"But you can't, yeah, you can't discriminate in that way at all whatsoever.","start":1103.97,"end":1109.11,"sentiment":"neutral","sentiment_score":-0.1561497742166886},{"text":"So yeah.","start":1109.33,"end":1120.025,"sentiment":"neutral","sentiment_score":-0.0017316769808530807},{"text":"Yeah.","start":1122.085,"end":1122.485,"sentiment":"neutral","sentiment_score":0.0499517098069191}],"sentiment":"neutral","sentiment_score":-0.13011340459343046,"num_words":32,"start":1098.21,"end":1122.485},{"sentences":[{"text":"No worries.","start":1122.485,"end":1123.045,"sentiment":"neutral","sentiment_score":0.14580030739307404},{"text":"I'll grab that 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sorry.","start":1189.31,"end":1192.29,"sentiment":"neutral","sentiment_score":-0.012239411473274231},{"text":"Where are you from again?","start":1192.3501,"end":1193.65,"sentiment":"neutral","sentiment_score":-0.009866530820727349}],"sentiment":"neutral","sentiment_score":0.02114010745038589,"num_words":30,"start":1166.13,"end":1193.65},{"sentences":[{"text":"I see.","start":1196.1901,"end":1196.8301,"sentiment":"neutral","sentiment_score":0.02266406174749136},{"text":"Yeah.","start":1196.8301,"end":1197.3301,"sentiment":"neutral","sentiment_score":0.01900426670908928},{"text":"So is it the income protection through you guys or through yeah.","start":1198.365,"end":1209.185,"sentiment":"neutral","sentiment_score":0.048724084006001554},{"text":"Okay.","start":1220.7401,"end":1220.8201,"sentiment":"neutral","sentiment_score":0.09380491822957993},{"text":"Alright.","start":1220.8201,"end":1221.3201,"sentiment":"neutral","sentiment_score":0.13533729314804077}],"sentiment":"neutral","sentiment_score":0.05165668292080655,"num_words":17,"start":1196.1901,"end":1221.3201},{"sentences":[{"text":"And is that hap is that what's happened with my life insurance?","start":1223.3,"end":1226.6001,"sentiment":"neutral","sentiment_score":0.009795952045048276},{"text":"Yeah.","start":1228.385,"end":1228.865,"sentiment":"neutral","sentiment_score":0.04477231204509735},{"text":"Okay.","start":1228.865,"end":1229.1849,"sentiment":"neutral","sentiment_score":0.0308667179197073},{"text":"I'm just trying to understand 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get it.","start":1276.13,"end":1277.27,"sentiment":"neutral","sentiment_score":0.15915813483297825},{"text":"Alright.","start":1277.65,"end":1278.15,"sentiment":"neutral","sentiment_score":0.20745448768138883},{"text":"Yeah.","start":1279.57,"end":1279.89,"sentiment":"neutral","sentiment_score":0.12705010175704956},{"text":"If you can do that, send me that email.","start":1279.89,"end":1282.37,"sentiment":"neutral","sentiment_score":0.10723466467526224},{"text":"I'll send you the bank statement, loan, and payslip, and, yeah, if you can get back to me regarding those quotes with the hire the longer period, sorry, for now.","start":1282.37,"end":1294.4049,"sentiment":"neutral","sentiment_score":0.1271760930928091}],"sentiment":"neutral","sentiment_score":0.1278118200807108,"num_words":45,"start":1276.13,"end":1294.4049},{"sentences":[{"text":"Yeah.","start":1295.505,"end":1295.745,"sentiment":"neutral","sentiment_score":0.007783837616443634},{"text":"That'll be 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yeah.","start":1388.86,"end":1389.98,"sentiment":"neutral","sentiment_score":0.15637516230344772},{"text":"Okay.","start":1389.98,"end":1390.48,"sentiment":"neutral","sentiment_score":0.23754289746284485}],"sentiment":"neutral","sentiment_score":0.11813219849552427,"num_words":7,"start":1329.09,"end":1390.48},{"sentences":[{"text":"So what is that again?","start":1399.4751,"end":1400.855,"sentiment":"neutral","sentiment_score":-0.030089964717626573},{"text":"The five year?","start":1400.915,"end":1402.055,"sentiment":"neutral","sentiment_score":-0.01954350620508194},{"text":"So I'm paying more for premium.","start":1402.275,"end":1404.135,"sentiment":"neutral","sentiment_score":-0.05473307395974795},{"text":"What wouldn't I be paying less?","start":1404.5951,"end":1406.935,"sentiment":"neutral","sentiment_score":-0.2601814890901248},{"text":"I mean, I don't 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yeah.","start":1946.24,"end":1953.9401,"sentiment":"neutral","sentiment_score":-0.07883295603096485},{"text":"At the moment, I look I'm alright where I am.","start":1954.0,"end":1958.18,"sentiment":"neutral","sentiment_score":-0.011834055837243795},{"text":"It's doing has gone up.","start":1959.4401,"end":1963.1849,"sentiment":"neutral","sentiment_score":0.05188087597489357},{"text":"But, yeah, I wouldn't mind, like, you know, something a little bit more, you know, less.","start":1963.885,"end":1968.385,"sentiment":"neutral","sentiment_score":-0.11042888020165265},{"text":"Then again, you know, you want to return.","start":1971.725,"end":1973.665,"sentiment":"neutral","sentiment_score":-0.011272705625742674}],"sentiment":"neutral","sentiment_score":-0.047957833792844955,"num_words":44,"start":1946.24,"end":1973.665},{"sentences":[{"text":"Yes.","start":2032.905,"end":2033.28,"sentiment":"neutral","sentiment_score":0.04004085063934326},{"text":"Yeah.","start":2037.12,"end":2037.62,"sentiment":"neutral","sentiment_score":0.05982302874326706},{"text":"Yeah.","start":2038.0,"end":2038.3201,"sentiment":"neutral","sentiment_score":0.08888041973114014},{"text":"Yeah.","start":2038.3201,"end":2038.64,"sentiment":"neutral","sentiment_score":0.13700468838214874},{"text":"It 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not weak.","start":2090.31,"end":2093.85,"sentiment":"neutral","sentiment_score":-0.16868409514427185},{"text":"He said He was us?","start":2094.31,"end":2096.4102,"sentiment":"neutral","sentiment_score":-0.09068968892097473},{"text":"Yes.","start":2186.83,"end":2187.33,"sentiment":"neutral","sentiment_score":0.11035434901714324},{"text":"Yes.","start":2187.47,"end":2187.97,"sentiment":"neutral","sentiment_score":0.12172337621450424}],"sentiment":"neutral","sentiment_score":-0.05082716792821884,"num_words":11,"start":2065.4502,"end":2187.97},{"sentences":[{"text":"Yeah.","start":2207.38,"end":2207.6199,"sentiment":"neutral","sentiment_score":0.1448878049850464},{"text":"No problem.","start":2207.6199,"end":2208.26,"sentiment":"neutral","sentiment_score":0.24731721729040146},{"text":"Thanks.","start":2208.26,"end":2208.76,"sentiment":"positive","sentiment_score":0.38880687952041626},{"text":"Yeah.","start":2221.175,"end":2221.675,"sentiment":"neutral","sentiment_score":0.15943573415279388},{"text":"Yeah.","start":2265.31,"end":2265.81,"sentiment":"neutral","sentiment_score":0.23645517230033877}],"sentiment":"neutral","sentiment_score":0.23737000425656637,"num_words":6,"start":2207.38,"end":2265.81},{"sentences":[{"text":"So my house and yep.","start":2335.435,"end":2339.855,"sentiment":"neutral","sentiment_score":-0.013212539441883563},{"text":"And, yeah, to my daughter.","start":2340.075,"end":2342.735,"sentiment":"neutral","sentiment_score":-0.030415811762213706},{"text":"But, yeah, that's enough whole thing.","start":2342.875,"end":2345.935,"sentiment":"neutral","sentiment_score":-0.05808619440843662},{"text":"Because I need to do it for Will and stuff.","start":2347.9302,"end":2350.1702,"sentiment":"neutral","sentiment_score":-0.15422517210245132},{"text":"I'm in a you know, we're separated, but, yeah, he's he's his daughter, and she's got his name.","start":2350.1702,"end":2358.97,"sentiment":"neutral","sentiment_score":-0.09138778886861271}],"sentiment":"neutral","sentiment_score":-0.085315700980242,"num_words":44,"start":2335.435,"end":2358.97},{"sentences":[{"text":"I just don't want him.","start":2358.97,"end":2360.09,"sentiment":"neutral","sentiment_score":-0.31650932431221007},{"text":"If anything happens to me, he walks in here.","start":2360.09,"end":2362.705,"sentiment":"neutral","sentiment_score":-0.20227466854784223},{"text":"Thanks.","start":2365.485,"end":2365.885,"sentiment":"neutral","sentiment_score":0.1908048838376999},{"text":"Yeah.","start":2365.885,"end":2366.365,"sentiment":"neutral","sentiment_score":0.07052820175886154},{"text":"Do you know what I mean?","start":2366.365,"end":2367.325,"sentiment":"neutral","sentiment_score":0.03293221009274324}],"sentiment":"neutral","sentiment_score":-0.13382237692448226,"num_words":22,"start":2358.97,"end":2367.325},{"sentences":[{"text":"I want it for you.","start":2367.325,"end":2368.865,"sentiment":"neutral","sentiment_score":0.10892826616764069},{"text":"Yeah.","start":2371.245,"end":2371.565,"sentiment":"neutral","sentiment_score":0.04136529192328453},{"text":"Yeah.","start":2371.565,"end":2372.065,"sentiment":"neutral","sentiment_score":0.03656899929046631},{"text":"Yeah.","start":2399.825,"end":2400.065,"sentiment":"neutral","sentiment_score":0.016093946993350983},{"text":"Yeah.","start":2400.065,"end":2400.2249,"sentiment":"neutral","sentiment_score":-0.00025954507873393595}],"sentiment":"neutral","sentiment_score":0.07093444710739681,"num_words":9,"start":2367.325,"end":2400.2249},{"sentences":[{"text":"It is.","start":2400.2249,"end":2400.9648,"sentiment":"neutral","sentiment_score":0.2318861037492752},{"text":"So that's it.","start":2401.585,"end":2402.6448,"sentiment":"positive","sentiment_score":0.5131595333417257},{"text":"That's with that money sitting in there, the redraw.","start":2403.29,"end":2406.91,"sentiment":"neutral","sentiment_score":0.3108365833759308},{"text":"Yeah.","start":2409.69,"end":2410.19,"sentiment":"neutral","sentiment_score":0.10942265391349792},{"text":"Yeah.","start":2413.45,"end":2413.95,"sentiment":"neutral","sentiment_score":0.07949644327163696}],"sentiment":"neutral","sentiment_score":0.31185619719326496,"num_words":16,"start":2400.2249,"end":2413.95},{"sentences":[{"text":"Yes.","start":2426.405,"end":2426.905,"sentiment":"neutral","sentiment_score":0.05188614875078201},{"text":"Yeah.","start":2454.0051,"end":2454.5051,"sentiment":"neutral","sentiment_score":-0.02351943962275982},{"text":"No.","start":2457.845,"end":2458.325,"sentiment":"neutral","sentiment_score":-0.13946975767612457},{"text":"So she's only 10.","start":2458.325,"end":2459.5251,"sentiment":"neutral","sentiment_score":-0.10123196803033352},{"text":"That's what I'm saying.","start":2459.5251,"end":2460.405,"sentiment":"neutral","sentiment_score":-0.04351659677922726}],"sentiment":"neutral","sentiment_score":-0.06273611888966778,"num_words":11,"start":2426.405,"end":2460.405},{"sentences":[{"text":"Yeah.","start":2460.405,"end":2460.725,"sentiment":"neutral","sentiment_score":0.09253130853176116},{"text":"She's at the Okay.","start":2460.725,"end":2541.09,"sentiment":"neutral","sentiment_score":0.21846741065382957},{"text":"Yeah.","start":2547.87,"end":2548.37,"sentiment":"neutral","sentiment_score":0.07105003297328949},{"text":"Yeah.","start":2548.91,"end":2549.23,"sentiment":"neutral","sentiment_score":0.07104462385177612},{"text":"So I already someone that I wanted to be.","start":2549.23,"end":2552.21,"sentiment":"neutral","sentiment_score":0.052840138889021344}],"sentiment":"neutral","sentiment_score":0.09900355362333357,"num_words":16,"start":2460.405,"end":2552.21},{"sentences":[{"text":"So how does that do I yeah.","start":2552.27,"end":2555.285,"sentiment":"neutral","sentiment_score":0.04465005972555706},{"text":"So yeah.","start":2555.285,"end":2556.885,"sentiment":"neutral","sentiment_score":0.05874266475439072},{"text":"Do I do we speak at this further or I mean Yeah.","start":2556.885,"end":2625.3298,"sentiment":"neutral","sentiment_score":0.007516328866283099},{"text":"So I need to give you guys that name of the estate.","start":2625.95,"end":2631.41,"sentiment":"neutral","sentiment_score":0.03514099741975466},{"text":"I need to provide that to you guys then.","start":2633.39,"end":2636.13,"sentiment":"neutral","sentiment_score":0.04554926065935029}],"sentiment":"neutral","sentiment_score":0.03218730973700682,"num_words":42,"start":2552.27,"end":2636.13},{"sentences":[{"text":"Yeah.","start":2668.81,"end":2669.175,"sentiment":"neutral","sentiment_score":0.02505113184452057},{"text":"Yeah.","start":2676.5352,"end":2676.7751,"sentiment":"neutral","sentiment_score":0.07902345806360245},{"text":"I yeah.","start":2676.7751,"end":2677.815,"sentiment":"neutral","sentiment_score":0.09751314297318459},{"text":"I yep.","start":2677.815,"end":2679.7551,"sentiment":"neutral","sentiment_score":0.22350936383008957},{"text":"Cool.","start":2679.815,"end":2680.315,"sentiment":"positive","sentiment_score":0.5624314546585083}],"sentiment":"neutral","sentiment_score":0.18693586545331137,"num_words":7,"start":2668.81,"end":2680.315},{"sentences":[{"text":"It's the other thing.","start":2682.7002,"end":2684.22,"sentiment":"neutral","sentiment_score":0.0684841014444828},{"text":"Yeah.","start":2684.22,"end":2684.72,"sentiment":"neutral","sentiment_score":0.06917120516300201},{"text":"But yeah.","start":2686.7002,"end":2687.5,"sentiment":"neutral","sentiment_score":0.05651894398033619},{"text":"Okay.","start":2687.5,"end":2688.0,"sentiment":"neutral","sentiment_score":0.11857742816209792},{"text":"It's good to yep.","start":2688.62,"end":2690.32,"sentiment":"positive","sentiment_score":0.4100808911025524}],"sentiment":"neutral","sentiment_score":0.1845872076228261,"num_words":12,"start":2682.7002,"end":2690.32},{"sentences":[{"text":"Yes.","start":2710.4548,"end":2710.86,"sentiment":"neutral","sentiment_score":0.0963279977440834},{"text":"Let's see.","start":2711.02,"end":2711.76,"sentiment":"neutral","sentiment_score":0.08238525316119194},{"text":"Mhmm.","start":2763.7751,"end":2764.2751,"sentiment":"neutral","sentiment_score":0.03158315643668175},{"text":"Yeah.","start":2764.5398,"end":2765.0398,"sentiment":"neutral","sentiment_score":0.08517631888389587},{"text":"No.","start":2778.2998,"end":2778.6199,"sentiment":"neutral","sentiment_score":-0.1532120257616043}],"sentiment":"neutral","sentiment_score":0.03744099227090677,"num_words":6,"start":2710.4548,"end":2778.6199},{"sentences":[{"text":"Just leave it.","start":2778.6199,"end":2779.635,"sentiment":"neutral","sentiment_score":-0.11599105099836986},{"text":"Okay.","start":2790.035,"end":2790.535,"sentiment":"neutral","sentiment_score":0.05001743137836456},{"text":"You know.","start":2796.72,"end":2797.3801,"sentiment":"neutral","sentiment_score":0.18602368980646133},{"text":"Yeah.","start":2799.12,"end":2799.62,"sentiment":"neutral","sentiment_score":0.19112560153007507},{"text":"Yeah.","start":2816.8152,"end":2817.215,"sentiment":"neutral","sentiment_score":0.005483515560626984}],"sentiment":"neutral","sentiment_score":0.033837596885859966,"num_words":8,"start":2778.6199,"end":2817.215},{"sentences":[{"text":"Thank you.","start":2817.215,"end":2818.655,"sentiment":"neutral","sentiment_score":0.13673163950443268},{"text":"PPG or whatever it is.","start":2818.655,"end":2820.5752,"sentiment":"neutral","sentiment_score":0.0074784960597753525},{"text":"Sorry.","start":2820.5752,"end":2820.99,"sentiment":"neutral","sentiment_score":-0.0545208603143692},{"text":"So that amount, that's gonna be taxed 20% or something.","start":2822.91,"end":2827.25,"sentiment":"neutral","sentiment_score":-0.0805800162255764},{"text":"Yeah.","start":2911.0798,"end":2911.5598,"sentiment":"neutral","sentiment_score":0.10060139745473862}],"sentiment":"neutral","sentiment_score":-0.023624413989876445,"num_words":19,"start":2817.215,"end":2911.5598},{"sentences":[{"text":"Yeah.","start":2911.5598,"end":2912.0598,"sentiment":"neutral","sentiment_score":0.11880431324243546},{"text":"No.","start":2916.52,"end":2916.76,"sentiment":"neutral","sentiment_score":-0.02380286157131195},{"text":"I guess.","start":2916.76,"end":2917.42,"sentiment":"neutral","sentiment_score":-0.006338544189929962},{"text":"Thank you.","start":2918.1848,"end":2919.005,"sentiment":"positive","sentiment_score":0.3355519324541092},{"text":"Yeah.","start":2948.035,"end":2948.535,"sentiment":"neutral","sentiment_score":-0.038340091705322266}],"sentiment":"neutral","sentiment_score":0.10215544807059425,"num_words":7,"start":2911.5598,"end":2948.535},{"sentences":[{"text":"No.","start":2995.3699,"end":2995.77,"sentiment":"neutral","sentiment_score":-0.07622844725847244},{"text":"That's perfect.","start":2995.77,"end":2996.5898,"sentiment":"positive","sentiment_score":0.35726071894168854},{"text":"Yep.","start":2996.73,"end":2997.21,"sentiment":"neutral","sentiment_score":0.26339808106422424},{"text":"Yep.","start":2997.21,"end":2997.71,"sentiment":"neutral","sentiment_score":0.17065733671188354},{"text":"Yep.","start":3005.985,"end":3006.485,"sentiment":"neutral","sentiment_score":0.1299547255039215}],"sentiment":"neutral","sentiment_score":0.2003838556508223,"num_words":6,"start":2995.3699,"end":3006.485},{"sentences":[{"text":"No problem.","start":3031.4148,"end":3032.2148,"sentiment":"positive","sentiment_score":0.3365890681743622},{"text":"Thank you.","start":3032.2148,"end":3032.855,"sentiment":"positive","sentiment_score":0.5502983629703522},{"text":"Thanks, Dana.","start":3032.855,"end":3033.835,"sentiment":"positive","sentiment_score":0.49440599977970123},{"text":"No.","start":3039.96,"end":3040.46,"sentiment":"neutral","sentiment_score":-0.05986238270998001},{"text":"I'm good for now.","start":3041.96,"end":3042.84,"sentiment":"neutral","sentiment_score":0.1292943861335516}],"sentiment":"neutral","sentiment_score":0.2927183657884598,"num_words":11,"start":3031.4148,"end":3042.84},{"sentences":[{"text":"Thanks.","start":3042.84,"end":3043.34,"sentiment":"neutral","sentiment_score":0.22342152893543243},{"text":"Yep.","start":3043.48,"end":3043.98,"sentiment":"neutral","sentiment_score":0.1700391173362732},{"text":"And so yeah.","start":3048.1199,"end":3049.1,"sentiment":"neutral","sentiment_score":0.22339524825414017},{"text":"All of that out of my mind.","start":3049.24,"end":3050.6,"sentiment":"neutral","sentiment_score":0.17950383680207388},{"text":"That's why I needed rescheduling, but, yeah, I gotta jump on now.","start":3050.6,"end":3058.9692,"sentiment":"neutral","sentiment_score":0.04206065410592904}],"sentiment":"neutral","sentiment_score":0.11770421241332467,"num_words":24,"start":3042.84,"end":3058.9692},{"sentences":[{"text":"Get back on with awesome.","start":3060.0464,"end":3066.995,"sentiment":"positive","sentiment_score":0.37226389050483705},{"text":"Thanks, Dana.","start":3066.995,"end":3067.815,"sentiment":"positive","sentiment_score":0.6747861206531525},{"text":"Appreciate it.","start":3067.875,"end":3068.709,"sentiment":"positive","sentiment_score":0.6978365182876587},{"text":"You too.","start":3071.269,"end":3071.909,"sentiment":"positive","sentiment_score":0.46097129583358765},{"text":"Thank you.","start":3071.909,"end":3072.649,"sentiment":"positive","sentiment_score":0.5417337119579315}],"sentiment":"positive","sentiment_score":0.5086134419991419,"num_words":13,"start":3060.0464,"end":3072.649},{"sentences":[{"text":"Bye bye.","start":3073.109,"end":3073.769,"sentiment":"neutral","sentiment_score":0.26253971457481384}],"sentiment":"neutral","sentiment_score":0.26253971457481384,"num_words":2,"start":3073.109,"end":3073.769}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Natalie speaking.\n\nChannel 0: Hi, Natalie. It's Dana from Oakview Financial. How are you today?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a catch up this morning. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. Today's good.\n\nChannel 0: Yep. No. That's absolutely fine. Natalie, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay for us to proceed with that?\n\nChannel 1: Yes. Thanks.\n\nChannel 0: Beautiful. And just to do security there with you as well, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. So you need that?\n\nChannel 0: Yes, please. Yeah.\n\nChannel 1: Yeah. Sorry. Natalie Louise Reynolds. Number\n\nChannel 0: Yep.\n\nChannel 1: 6, Ballet Present, Sunbury, Victoria 3429. 03/09/1977.\n\nChannel 0: Lovely. Thank you so much for that. How's everything been going for you? How's the start of the New Year? Yep.\n\nChannel 1: Yeah. Good. Just\n\nChannel 0: Is\n\nChannel 1: yeah.\n\nChannel 0: he?\n\nChannel 1: Back into it now. Work picked up and yeah.\n\nChannel 0: Yep.\n\nChannel 1: I was always busy where what I'm doing. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No. Good. It's going yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Good. I'm going now. So\n\nChannel 0: Yep.\n\nChannel 1: it's gone. But yeah.\n\nChannel 0: Alright.\n\nChannel 1: No. Basic good and stuff. But yeah.\n\nChannel 0: Fantastic. Well, it's good to hear. I know it has been extremely busy for you. I know you are very busy and probably still working today, so I'll try not to take up too much of your time. But I know you completed your annual review late last year with my colleagues, they mentioned that you had some questions.\n\nWanted to maybe look at reviewing your super and reviewing your circumstances. Is that right?\n\nChannel 1: Yeah. Look. I was looking to maybe changing. I'll just raise the thought to Australian Super. Just one of my family, you know, mentioned it to me that they're really good, and I just don't know how all that works.\n\nLike, does\n\nChannel 0: Mhmm.\n\nChannel 1: it\n\nChannel 0: Yep.\n\nChannel 1: work about your does it work on, you know, your own employment? Or yeah. No idea how that yeah.\n\nChannel 0: No. That's okay. So the main sort of difference with the Australian is that and I can have a look at what they have been reporting as the returns on their per portfolios. But, essentially, returns are individual. When you do look at what the portfolios in in the industry funds are reporting, they are giving you a gross reporting on their website.\n\nIt could be very different to what you are getting internally. One of the main sort of differences with being within Netwealth or one of the adviser platforms that we tend to advise on is that we can give you more personalized returns on your portfolio, review things with you. Another sort of advantage to what we do over the industry funds is that the industry funds have very much limited access to investments Because they have such large funds, they have to outsource to investment managers to be able to invest. They do have a limited amount of investment options to be able to choose from. So it does sort of limit what you're able to invest in if there's something that sort of suits yourself or something you wanted to look at.\n\nWhereas with our with us and looking at these portfolios like Netwealth, Hub24, and those sort of things, we get access to thousands of different investment options. So we can build portfolios that are working for you, but we can also look at individual cases. And if there's something that interests you or you wanna see your money invested in, we can always alter portfolios to reflect that for you as well. But at the at the end of the day, like, if you're not comfortable staying on board, you would like to go back to an industry super fund, that is absolutely fine. You just let us know.\n\nWe can turn our fees off and help you roll back. There is no problem with that whatsoever. And you're never locked into any contracts with us either. So it is completely up to you, your personal preference, and certainly what you wanna achieve moving forward there as well.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I just don't know. So being with you guys and so, really, it purely depends on your my purchase. Is that\n\nChannel 0: Yeah.\n\nChannel 1: right?\n\nChannel 0: Correct. Definitely. Yeah. If you just wanted to be in a low cost fund where no one's really sort of reviewing the portfolio where it just sort of sits is in, like, a default fund and it just look at it every so often when you're comfortable sort of looking at things, you can absolutely, you know, be in an industry fund. There is nothing wrong with that whatsoever.\n\nWith having a financial adviser and being one of our mutual clients, we wanna make sure you're getting value for it. So we do wanna do catch ups with you. We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services. It's also not just about super. It's about looking towards your retirement and any other goals that you might have as well.\n\nSo we can give you access to mortgage brokers if you were looking to, you know, alter or change your mortgage structure or, you know, buy a new property or something like that. We can look at and provide additional advice around investing outside of super. But one of my main sort of goals here is helping you work towards with your super work towards your retirement, so looking at what your retirement what you want it to look like, how we can help you to get there, keep you on track to do that, and review the portfolios, review your risk level, and just make sure you're invested correctly and that your investments remain working for you, if that makes sense.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: it's not really about how much you\n\nChannel 0: No.\n\nChannel 1: earn your income or what type of work, you know, industry you work in. It's got nothing to do with that.\n\nChannel 0: Definitely not. No. No. I mean, how much you're earning does have an impact on the contributions that you have going into your super fund.\n\nChannel 1: Yes.\n\nChannel 0: But, you know, at the end of the day, the retirement aspect, I've got clients who are on very little incomes who are putting more money into super and making it work harder for them. I've got clients with higher incomes who are not putting in as much, and they might not be getting as bigger return.\n\nChannel 1: No.\n\nChannel 0: The other thing that's considered is the returns definitely make a difference as your balance increases too. So if you think about your balance, as it gets bigger, smaller changes to the market fluctuations have a much bigger impact. If you look at maybe a 5% return on someone with $50,000, 5% isn't a great deal more. However, someone with 500,000 getting the same 5% return, there's a much larger difference there.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And and, like, our advice doesn't end at the point that you retire. When you get to retirement, you wanna start drawing money out. We provide advice on how to structure that withdrawal. We have access in different structures. So if you're wanting to access Centrelink and you might not, you know, be eligible, we can also change the structures of your super to be able to try and maximize Centrelink eligibility whilst drawing down out of super, gives you longevity.\n\nSo we just sort of tailor the advice towards your goals and what you're\n\nChannel 1: Okay.\n\nChannel 0: after, which is more of a personal sort of scenario because no one's goals are ever exactly the same. Everyone has different needs and wants. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: yeah.\n\nChannel 1: Alright. That is\n\nChannel 0: Yeah.\n\nChannel 1: one question.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, what was were you calling also about a a review or just\n\nChannel 0: Well, you're right.\n\nChannel 1: was that\n\nChannel 0: You yeah.\n\nChannel 1: was that done? And then I had some questions and that's what's escalated.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: you completed your annual review last year with my colleagues.\n\nChannel 1: Okay.\n\nChannel 0: I believe it might have been Samantha. And, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: out of that, she mentioned that you had some questions mostly about whether to stay with us and what our services entail. So\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: Now\n\nChannel 0: of\n\nChannel 1: yeah.\n\nChannel 0: like the\n\nChannel 1: I\n\nChannel 0: last\n\nChannel 1: just\n\nChannel 0: question you sort of\n\nChannel 1: just\n\nChannel 0: asked.\n\nChannel 1: yeah. It's\n\nChannel 0: Yeah.\n\nChannel 1: been a little while. So I just wanted to make sure.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: That's good. That was Samantha. Yes.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Okay. Now my next question now I was just come into some inheritance.\n\nChannel 0: Mhmm.\n\nChannel 1: Okay. I don't know whether to put it into my super or do I put it on my house mortgage?\n\nChannel 0: Mhmm.\n\nChannel 1: What's your thoughts on something like that? Like, it's it's not a large and, like, huge amount, but it's something. Yeah. I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: Like, which\n\nChannel 0: No.\n\nChannel 1: way to which way to do it?\n\nChannel 0: Yeah. No. Absolutely. I think one of the things we wanna look at with is what is your medium term goals? What are you hoping to achieve?\n\nIs super your main priority at the moment or is paying down your mortgage? If I have a look here, I've got down here from your annual review late last year. You noted that paying your house down was one of the bigger priorities that you had sort of in the medium term. Does that still sound\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: Yeah.\n\nChannel 0: something\n\nChannel 1: Yeah.\n\nChannel 0: that's important?\n\nChannel 1: Pretty nice.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Having a look I'm so\n\nChannel 1: But,\n\nChannel 0: sorry.\n\nChannel 1: obviously, I want my super to grow too because\n\nChannel 0: Yeah.\n\nChannel 1: if I'd want to access my super to pay off my house,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, whatever I can put into it now, yeah, great. But maybe this lump sum, will it help grow my super more? So at time of retirement,\n\nChannel 0: Yep.\n\nChannel 1: you know, I might have that extra because of that lump sum.\n\nChannel 0: Yeah.\n\nChannel 1: You know? Yeah.\n\nChannel 0: Absolutely. If you like, what I could do for you, Natalie, is I could go back and look at the advice. I could provide a personal advice document which decides or tells you whether we think you should put the money into your mortgage or into your super and the long term effect that that might have for you. Did you want me to update some advice to\n\nChannel 1: Yeah.\n\nChannel 0: help you out there? Yep. Per perfect. Not a problem at all. After the call, am I able to grab a copy of your most recent home loan statement?\n\nI just sort of need to see the information on how much you owe, what your interest rate is, your your minimum rate payments, and things like that on the home loan statement. If I send you an email after the call, can you email me a copy of one of those?\n\nChannel 1: Yeah. I could. Just just I don't know if it'll be today, but\n\nChannel 0: Yep.\n\nChannel 1: as soon\n\nChannel 0: That's\n\nChannel 1: as\n\nChannel 0: okay.\n\nChannel 1: I can.\n\nChannel 0: Yep. That's absolutely fine. It takes me a little couple of weeks to put the research together because we are looking at the home loan versus versus putting the money\n\nChannel 1: So\n\nChannel 0: into\n\nChannel 1: is there\n\nChannel 0: super\n\nChannel 1: any\n\nChannel 0: and what that sort of entails. Yeah.\n\nChannel 1: is there any cost to doing this, like, fees now?\n\nChannel 0: No.\n\nChannel 1: Because I'm talking about this.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: No.\n\nChannel 1: that's my\n\nChannel 0: Not\n\nChannel 1: main concern too. Like, I don't wanna,\n\nChannel 0: yep.\n\nChannel 1: you know, come at retirement age and, you know, like you're saying, other super funds, you know, they might have not have all these overheads and these reviews. Obviously, there's I don't know. Is there, like, I don't want it to\n\nChannel 0: Yep.\n\nChannel 1: all go in fees and charges. Do you know what I'm saying? Like\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: And that's a really good point to bring up. So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path. But, essentially, as an ongoing client of Oakview Financial, you do actually receive additional advice with no extra charge. And, essentially, all you're doing is being an ongoing service client. You do pay us an ongoing service fee every year.\n\nIt is 1.65% per annum. That is deducted in smaller monthly increments. So our fee is deducted out of your super in smaller monthly amounts, and the idea of a percentage fee is that it fluctuates with the market. It is linked to the performance of your super. So when the market is doing better, when we are seeing greater performance, then our fee is gonna increase slightly.\n\nHowever, when the market does take a dip because we can't control what how markets react,\n\nChannel 1: Yeah.\n\nChannel 0: then it means that our fee does go down with it. So our fee is linked to to the market and to your super performance\n\nChannel 1: Okay.\n\nChannel 0: as well. It does sort of mean that we do ask that you do return the annual review pack. I will double check after the call to see if it has been. I'm not able to find that at the moment. I'm so sorry.\n\nChannel 1: Yeah. Another ticket.\n\nChannel 0: But I'll I'll I'll obviously go back and I'll just try to the email. I'll just confirm whether that has been returned and signed or not. But it's all we ask because after the annual review, you do return the pack there, sign the ongoing service agreement for us, and we do\n\nChannel 1: I think\n\nChannel 0: apply\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: did.\n\nChannel 0: to the account.\n\nChannel 1: Someone rang\n\nChannel 0: You think you\n\nChannel 1: up and\n\nChannel 0: yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'm pretty sure he followed up, and I've\n\nChannel 0: That's\n\nChannel 1: signed\n\nChannel 0: okay.\n\nChannel 1: it. And then\n\nChannel 0: Perfect.\n\nChannel 1: I didn't hear I'm not sure. Yeah. Didn't hear nothing. I don't think.\n\nChannel 0: That's okay. I can double check that for you. But it's important to note that by returning that pack and paying your ongoing service fee, it does entitle you to additional advice there, which is there's no implementation fees or no charges for additional advice\n\nChannel 1: Okay.\n\nChannel 0: currently. Obviously, things could change down the the track there, but this is all inclusive at the moment. So we just wanna make sure we're working harder for you. And there's no locking contract in any way, shape, or form. So if you decide at any point throughout the year that you don't want the advice, you don't want us to sort of manage things, you can just tell us to turn the fees off, and we can help you roll to wherever you want.\n\nYou're by no means obligated to stay if you're not comfortable and not happy with the services we're\n\nChannel 1: Yeah.\n\nChannel 0: providing.\n\nChannel 1: No. I'm just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Family member mentioned it to me,\n\nChannel 0: Yeah.\n\nChannel 1: and they're super you know, this one is one of my brothers.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, he's like, you know, why don't you change it over to they're really good and\n\nChannel 0: Yeah.\n\nChannel 1: like, oh, okay. Yeah. Like, I was just oh, you know, I'll go I'm pretty happy, but I just don't have\n\nChannel 0: Yeah.\n\nChannel 1: all these fees and that, like, I don't wanna lose money at the end yet because I don't even\n\nChannel 0: Of course.\n\nChannel 1: know I've been hearing at my when I do get to retirement age, there's not even gonna be pensions around. Apparently, they stop at 60\n\nChannel 0: Yeah.\n\nChannel 1: when when you're born after 69.\n\nChannel 0: You mean, like,\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: what\n\nChannel 0: age\n\nChannel 1: I've been\n\nChannel 0: pension?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah. No. It is still a thing. I can safely tell you the age pension is still a thing. It is gonna be very prevalent over the next couple of years.\n\nWe do have a lot of the baby boomers about to retire, so we do have a lot of people with a very low super balance about to enter retirement. And it is gonna cost taxpayers a lot of money over the next sort of ten years or so, but the age pension with Centrelink and with the government is still a thing. It is still funded by tax payers. They're\n\nChannel 1: Okay.\n\nChannel 0: not in any way, shape, or form at this point in time removing that. However, I'm 41, and I'm personally not banking on there being much in the way they change eligible to me. I think down the track in, you know, twenty or thirty years, they are gonna have to restructure the way it does work, but we are always gonna have to have some sort of backup,\n\nChannel 1: That's what\n\nChannel 0: some\n\nChannel 1: I was\n\nChannel 0: sort\n\nChannel 1: thinking.\n\nChannel 0: of government\n\nChannel 1: Yeah.\n\nChannel 0: incentive.\n\nChannel 1: Like,\n\nChannel 0: Absolutely.\n\nChannel 1: everyone's\n\nChannel 0: Yeah.\n\nChannel 1: gonna become homeless. Like, you know,\n\nChannel 0: Yeah.\n\nChannel 1: I don't know how I've heard this, and I'm like, what? Really?\n\nChannel 0: No. That's okay. You can always if you're hearing anything like this that is concerning, please let me know. After the call, I'll email you. That way,\n\nChannel 1: Yep.\n\nChannel 0: you do have my direct email. You're welcome to ask me questions. Part of our services is if you're unsure, you think of something that you might wanna ask, you can email me, call me. I'll book in a time to do a catch up with you and see how things are traveling. If you\n\nChannel 1: Yeah.\n\nChannel 0: hear something that's concerning, give me a buzz. Let me know. If I'm not sure, I'll go and find out and and return an email or give you a call and have a chat to you about it. So\n\nChannel 1: Alright.\n\nChannel 0: you can definitely use our services for other aspects or just for a bit of a catch up here and there if you need to as well. But it just\n\nChannel 1: Yeah.\n\nChannel 0: comes down to your your your comfort level as well. I don't ever want you to feel like you're being forced to stay here. You definitely do not have to. But I do would like to maybe go back and do some updated advice for you. Let's have a look at what to do with the with the money you've inherited, whether paying down the mortgage is appropriate or whether putting in the super.\n\nChannel 1: Yeah.\n\nChannel 0: The advice we provide as well, I'll provide the recommendations to you. We'll go through those together so you can see what I'm recommending, the advantages, the disadvantages, and the risks involved, and then you get to decide whether you take those recommendations.\n\nChannel 1: Yeah. That sounds\n\nChannel 0: You can\n\nChannel 1: good.\n\nChannel 0: decide\n\nChannel 1: Yeah.\n\nChannel 0: to take all, some, or none of them so ever. It's all, you know, up to you and how you feel and, yeah, your comfort\n\nChannel 1: Yeah.\n\nChannel 0: level.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Also, I still wanna look into that income protection.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I know some time ago you sent me some quotes. Can you please resend them again?\n\nChannel 0: Yes. Yeah. Sure. Quote's not a problem at all. I will may just go back and update those because the quotes generally only last for about thirty days from the\n\nChannel 1: Yep.\n\nChannel 0: insurers, but that's\n\nChannel 1: Yeah.\n\nChannel 0: okay. It won't take as much to update those and send them through. Just to confirm there, Natalie, your income I have is 65,900 per annum. Is that right?\n\nChannel 1: I think it's increased a little bit. Gotta double\n\nChannel 0: Yep.\n\nChannel 1: check it, to tell you the truth.\n\nChannel 0: Yeah.\n\nChannel 1: Not much, but\n\nChannel 0: No.\n\nChannel 1: yeah. It's yeah. Where I am, it's yeah. I'm trying to look for another job too\n\nChannel 0: That's\n\nChannel 1: with\n\nChannel 0: it.\n\nChannel 1: the higher income,\n\nChannel 0: Okay. Yep.\n\nChannel 1: But I just enjoy what I do and, you know, you get into it and get comfortable, yeah, with the people\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Absolutely.\n\nChannel 1: but, yeah, I should be really with the experience that I've had and what I'm doing. I don't think they pay enough, and it's always the case, and I don't think they're gonna budge.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Wow. Because you work in your industry's debt collections from what I can see, but you're a hardship support officer. Is that right?\n\nChannel 1: Yeah. So, you know,\n\nChannel 0: Yeah.\n\nChannel 1: you hear a lot of calls.\n\nChannel 0: Absolutely.\n\nChannel 1: Mental your own mental health. People wanna kill themselves, and you gotta really\n\nChannel 0: Oh,\n\nChannel 1: dig, delete the calls and\n\nChannel 0: wow.\n\nChannel 1: raise, you know, welfare checks and then notify the clients within this time frame. And, oh my god.\n\nChannel 0: Yep.\n\nChannel 1: You know, it's quite on your own mental health. It's yeah. And what\n\nChannel 0: Yeah.\n\nChannel 1: they\n\nChannel 0: That's\n\nChannel 1: pay is peanuts really to what we have to listen to sometimes.\n\nChannel 0: Absolutely.\n\nChannel 1: And not even just that. Just people's medical conditions and how they're living and yeah. Sometimes it really it yeah. Puts it just yeah. Yeah.\n\nI don't know how to say it, but\n\nChannel 0: No. Of\n\nChannel 1: it\n\nChannel 0: course.\n\nChannel 1: it it it affects you. Yeah? Like, you just reflect on the call sometimes, you know, like, shit. How\n\nChannel 0: Yep.\n\nChannel 1: do these people gonna be alright? But then again,\n\nChannel 0: Yeah.\n\nChannel 1: you don't know how true it is either.\n\nChannel 0: Yep.\n\nChannel 1: You know what I\n\nChannel 0: Definitely.\n\nChannel 1: mean?\n\nChannel 0: Definitely.\n\nChannel 1: But you can't, yeah, you can't discriminate in that way at all whatsoever. So\n\nChannel 0: Yeah. No. Absolutely. Do you did you want me to maybe just get you to send me through a copy of a payslip after the call just to sort of reflect\n\nChannel 1: yeah.\n\nChannel 0: the income so we can have a look at that for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No worries. I'll grab\n\nChannel 0: Yep.\n\nChannel 1: that too.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Easy. Not a problem at all. Now with income protection, not sure if we've kinda gone through before, but you can be covered for up to 70% of your current income if you're off work due to illness or injury. And when we look at income protection, they have what's called waiting periods. This is how long you have to be on a call or have to be off work before you can actually make a claim.\n\nChannel 1: Yeah.\n\nChannel 0: Given your circumstances and any sort of sick or long service label, annually that you might have, do you feel like having a shorter waiting period, like, maybe thirty days might be more appropriate, or do you feel like having a longer waiting period might be fine to keep the cost lower for the income protection? What's your thoughts there?\n\nChannel 1: Yeah. Probably the second one\n\nChannel 0: Yep.\n\nChannel 1: for now. And these can be changed, Kenneth, or\n\nChannel 0: Yeah.\n\nChannel 1: one\n\nChannel 0: Yeah. Definitely. We will review them every year as part of your annual review process.\n\nChannel 1: yeah.\n\nChannel 0: And if you want us to increase, decrease, alter the insurances, we can absolutely help you with that. It's not a problem at all. Yeah.\n\nChannel 1: So is that direct through you guys? As in sorry. Where are you from again?\n\nChannel 0: We're we're OQ Financial. So\n\nChannel 1: I see.\n\nChannel 0: we're the financial\n\nChannel 1: Yeah.\n\nChannel 0: advisers. Yep.\n\nChannel 1: So is it the income protection through you guys\n\nChannel 0: So we\n\nChannel 1: or\n\nChannel 0: we\n\nChannel 1: through\n\nChannel 0: help you apply for it, but it's applied for through insurance companies. So, like, Neos,\n\nChannel 1: yeah.\n\nChannel 0: MetLife, Zurich, OnePath. But we, essentially, as the financial advisers, go through the application process with you. We're the intermediaries. We make the recommendations and show you all the bits and pieces, and\n\nChannel 1: Okay. Alright.\n\nChannel 0: we help you to apply. Yeah.\n\nChannel 1: And is that hap is that what's happened with my life insurance?\n\nChannel 0: That's correct. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So you've\n\nChannel 1: Okay.\n\nChannel 0: got\n\nChannel 1: I'm\n\nChannel 0: your\n\nChannel 1: just trying to understand\n\nChannel 0: that's okay. It's\n\nChannel 1: it.\n\nChannel 0: absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. So your life and TPD covers through Neos insurance company.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, what would have happened is we would have done the application with you. We go into the portal and monitor everything. So we help you apply for the cover. We're the advisers on the cover. We get notified of any changes to it.\n\nWe help you review it. We essentially look after and do everything. It's just that the insurance is actually applied for through the insurance company. But we monitor it. We do everything to help you alter it.\n\nWe are the intermediary. If you had to make a claim, we help you make the claim. We get the paperwork, and we work with you to get the claim processed. So we try to do all the hard work for you to make it easier and be the middle person between yourself and the insurer.\n\nChannel 1: Okay. Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Now\n\nChannel 0: Yeah.\n\nChannel 1: I get it.\n\nChannel 0: That's\n\nChannel 1: Alright.\n\nChannel 0: okay.\n\nChannel 1: Yeah. If you can do that, send\n\nChannel 0: Yeah.\n\nChannel 1: me that email. I'll send you the bank statement, loan,\n\nChannel 0: Yep.\n\nChannel 1: and payslip,\n\nChannel 0: Perfect.\n\nChannel 1: and, yeah, if you can get back to me regarding those quotes with the\n\nChannel 0: Yeah.\n\nChannel 1: hire\n\nChannel 0: Yep.\n\nChannel 1: the longer period, sorry, for now.\n\nChannel 0: No\n\nChannel 1: Yeah.\n\nChannel 0: worries.\n\nChannel 1: That'll\n\nChannel 0: Do\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: good.\n\nChannel 0: think with with the waiting period, you said you were comfortable with a longer waiting period. How long would you be comfortable with? Do you think sixty days of the waiting would be comfortable, or are you comfortable to wait out for ninety days prior to making a claim?\n\nChannel 1: Yeah. I mean, whatever the longest period is.\n\nChannel 0: The longest? Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem at all. And with the other thing with income protection is there's a benefit period. It's how long you can be on a claim for. It's really hard because we never know if we're gonna be off work or what the future's gonna hold.\n\nChannel 1: Yeah.\n\nChannel 0: But the longer the benefit period, the more expensive the premiums are. You can have the lowest, which is two years, and that essentially means that if you're off work on a claim at the two year mark, if you still can't go back to work, then the claim stops regardless. So you've gotta find other ways to fund your income or go back to work. You can have five years, which is generally a happy medium, being on a claim for up to five years. Most claims are done within a two year period.\n\nHowever, there might be a risk, especially if you're more of an administration worker and works in the office a lot, that then you might be back at work one, two, or three days a week. So getting part from work or and a partial claim. So having a five year benefit period can be kind of a happy medium at lower cost. You're not paying for the all the way up to $8.65 for a benefit period, but it also kinda gives you a little bit of extra protection over that two year time frame. Would you like me to look at that for you and maybe provide a quote?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah?\n\nChannel 1: So that yeah. Okay.\n\nChannel 0: That's okay. If you want me to break it down more, if you have questions, please ask. There is no such thing as a silly question, so ask anything that you're\n\nChannel 1: So\n\nChannel 0: thinking.\n\nChannel 1: what is that again? The five year? So I'm paying\n\nChannel 0: Yeah.\n\nChannel 1: more for premium. What wouldn't I be paying less? I mean, I don't\n\nChannel 0: No.\n\nChannel 1: know. That's what\n\nChannel 0: Yeah. That's a really good question. So for the benefit period, it's how long you can be on a claim for if you're on an income protection claim. A two year benefit period means the claim period is shorter. So if you say, well, after your ninety days, you started your income protection claim, if you are off work for two years, then they'd be assessing whether you can go back to work at that time frame.\n\nIf for that two if you had a two year benefit period on your income protection policy and at two years, you can't still go back to work, you're still off work and injured or ill, regardless of whether you can go back or not, that benefit stops. With a five year benefit period, you're extending it, so you can be on a income protection claim for up to five years. Most claims are completed within two years. However, there is a short component where the claim the person may have injured themselves or maybe they're off work for longer than two years. That five years doesn't make the the income protection premium more expensive because you're covering yourself for a longer time frame.\n\nBut there are instances where, say, if you're off work for that two years, something's happened to you. You've broken an arm or a leg or a back or something, and you might be able to go back to work part time. So you may be on a partial claim, which is working\n\nChannel 1: Yeah.\n\nChannel 0: a couple of days a week plus getting some money from the claim. But it does cost more to have a longer benefit period because you are trying to cover yourself\n\nChannel 1: Yeah.\n\nChannel 0: for a longer time frame. Does that make sense? Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. And how how quick can you claim?\n\nChannel 0: Well\n\nChannel 1: Like I mean, like, let's say now,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Mhmm.\n\nChannel 1: something let's say, I don't want it to happen, but something happens.\n\nChannel 0: Yeah.\n\nChannel 1: How does that work?\n\nChannel 0: So with the waiting period, that's how long you have to be off work before you can make a claim. So if you're taking a longer waiting period, it means that you would have to be off work for ninety days prior to you being able to submit the claim to the insurer, and then it generally takes another thirty days for the claim to be completely processed and the first payment to be made.\n\nChannel 1: Okay. Yeah. Can you send\n\nChannel 0: Yeah.\n\nChannel 1: me some information on all of that as well?\n\nChannel 0: Yeah. Absolutely. Perfect. I can take care of that. Not an issue at all.\n\nAnd I can look at a ninety day waiting period and a two and a five year benefit period and show you\n\nChannel 1: Yes.\n\nChannel 0: the difference in what the premium cost might look like.\n\nChannel 1: Yes,\n\nChannel 0: Yep.\n\nChannel 1: please. Yes.\n\nChannel 0: Yep. Beautiful. The other thing to sort of look at is I'm just sort of had a bit of a look at your super and the statements and things. If you wanted because we are looking at what to do with the the money you have as the inheritance. And, sorry, just to clarify, how much do you have how much did you receive as inheritance?\n\nChannel 1: Yeah. So I did receive a 100, but yeah. I've yeah. I had to buy a car and\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Okay.\n\nChannel 1: So I've got about $30.\n\nChannel 0: Okay.\n\nChannel 1: I paid out some stuff. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: So about 30,000\n\nChannel 1: Yep.\n\nChannel 0: that you're able to to do something with?\n\nChannel 1: Yeah. Let's just say 20\n\nChannel 0: Yep.\n\nChannel 1: 5 to now just in case\n\nChannel 0: 20\n\nChannel 1: if I wanna\n\nChannel 0: 5 thousand?\n\nChannel 1: yeah.\n\nChannel 0: Yep. Leaves you a buffer of 5,000. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And I have here so I'm just gonna alter that information there. Beautiful. And with your super there, I can see that you are in Netwealth at the moment. But whilst we are reviewing what to do with that extra sort of 25,000, we could also be maybe reviewing your super as well, looking to see if, you know, Netwealth still suits you or if there's a cheaper product out there that might provide greater benefit to you. Did you\n\nChannel 1: Yes.\n\nChannel 0: want me to do a full review of your superannuation platform, maybe look at something else, look at different investment structures as well for you?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Lovely. I can see having a look at one of your underlying investments, your Australian equities portion there. One of your underlying investments along Australian equities is underperforming a little bit as well, so I do wanna try and remove that out. One of the things I wanted to sort of double check was your risk tolerance. So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels.\n\nI've probably done one of these a couple of times with me in the past there.\n\nChannel 1: Yeah. I\n\nChannel 0: Mhmm. But just to sort of clarify, what age are you hoping to be able to stop working fully, retire, and maybe access your super? What's your goal age at the moment?\n\nChannel 1: don't\n\nChannel 0: 60.\n\nChannel 1: know. Like, yeah, it all depends on paying this mortgage while, you know,\n\nChannel 0: Yeah.\n\nChannel 1: late sixties, you know, mid\n\nChannel 0: Late\n\nChannel 1: sixties,\n\nChannel 0: sixties?\n\nChannel 1: mid\n\nChannel 0: Yep.\n\nChannel 1: to late.\n\nChannel 0: Yep. Perfect. Lovely. Have you ever owned investment shares or anything outside of super in your own name in the past?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Beautiful. If you looked at your super balance and found it had fallen, say, by 10 or 20% over the next twelve months due to what was happening in the world globally, and, notably, if something like that happened, it's gonna affect every super fund, not just yours. But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel?\n\nAre you okay with it knowing you've got a longer time horizon? You maybe wanna put some more money in. Are you a bit concerned and maybe wanting to call us, or are you really anxious about it and maybe wanting to move your money to something more secure? How do you think that might make you feel?\n\nChannel 1: Probably the one prior to this one, you're at this point.\n\nChannel 0: Yep. Yep. So probably call us.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Beautiful. Lovely. And do you think it would still make you a bit concerned, do you think?\n\nChannel 1: Yeah. It does.\n\nChannel 0: It\n\nChannel 1: Obviously\n\nChannel 0: does?\n\nChannel 1: yeah.\n\nChannel 0: Yep. Yep. Beautiful. All good. And when you think about your super and you think about the kind of returns that you're hoping to achieve or how fast you're wanting the super to sort of grow, do you feel like you're comfortable taking on a higher level of risk to get those greater returns?\n\nDo you think you'd be more comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you feeling like you don't wanna take any risk in the market knowing the returns are lower because of that?\n\nChannel 1: Probably the second one.\n\nChannel 0: The second one. Beautiful. Excellent. Lovely. And when we think about borrowing money, I can see you borrowed for your main primary residence.\n\nHave you ever thought about borrowing for anything else, or is it just your your main home that you wanted to borrow for?\n\nChannel 1: What do you mean? Borrow\n\nChannel 0: So borrow money from a a bank or a financial institution. Have you ever thought about doing it for an investment property or to invest\n\nChannel 1: yeah. No.\n\nChannel 0: in\n\nChannel 1: I'm not really\n\nChannel 0: anything? No. No.\n\nChannel 1: yeah. I'm not in that capacity. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: That's okay. That's not a\n\nChannel 1: Yeah.\n\nChannel 0: problem at all. Lovely. Now having a look at things, you have scored there as more of a moderate investor. So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment. So sorry.\n\nOkay. So as a more moderate investor, we generally would see you taking on a bit more of a lower amount of risk in the market, but that also means you would be expecting sort of lower rates of return. So we'd normally see roundabout, say, six the 70 60 to 70% of your super invest in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. Commodities are both growth investments. They get good returns over longer term, but they're also defensive in nature.\n\nSo when markets aren't doing so well, people tend to utilize alternative assets as a bit of a defensive safe haven. Gold is one of those, if it makes sense. With the portfolio you're in at the moment, you see that 80% of your super invested in those growth assets. So it is designed to get greater potential returns. The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis.\n\nDo you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level? If you're not sure, you can tell me.\n\nChannel 1: Sorry. What was that? If I'm\n\nChannel 0: If\n\nChannel 1: not\n\nChannel 0: you're\n\nChannel 1: sure\n\nChannel 0: not if you're not sure, let me know, and we can kinda talk it through in a bit more detail.\n\nChannel 1: yeah. At the moment, I look I'm alright where I am.\n\nChannel 0: Yeah.\n\nChannel 1: It's doing\n\nChannel 0: Yeah.\n\nChannel 1: has gone up.\n\nChannel 0: Mhmm.\n\nChannel 1: But, yeah, I wouldn't mind, like, you know, something a little bit more, you know, less.\n\nChannel 0: Mhmm.\n\nChannel 1: Then again, you know, you want to return.\n\nChannel 0: Yeah. I mean, the growth portfolio you're in at the moment, you're not you're not in the highest. So our portfolios generally start with, like, the aggressive plus, aggressive, then high growth, then growth. So you are realistically in that kind of medium area. You're not taking on the highest level of risk, but you still kind of are trying to get the greater returns.\n\nBecause of your age, I mean, you do have a bit a fair bit of time ahead of you before you can access your super because, realistically, the earliest we can under the current legislation is the age of 60 if we stop working and fully retire. So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super. I, by no means, would want you to be in that kind of growth environment right up until the day you retire. So we sort of, once you're about six years out, start to kind of reduce your risk level down a bit. So you are\n\nChannel 1: Yes.\n\nChannel 0: kind of reducing it as you get closer to retiring. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yes.\n\nChannel 0: okay. Did you want me to look at the growth of portfolio for a bit longer and maybe see what we can do? I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I am gonna move that, the BANELONG Australian Equities investment out of there. It has been sort of underperforming in your portfolio. I can see it is down a little bit, and that is because of what's been happening inside that investment. The investment managers haven't really been, you know, doing what they need to in saying that you can never tell what's happening.\n\nInvestments do react differently.\n\nChannel 1: He's\n\nChannel 0: When I remove that out, there's two\n\nChannel 1: not\n\nChannel 0: different\n\nChannel 1: weak. He\n\nChannel 0: sorry?\n\nChannel 1: said He was us?\n\nChannel 0: Your the investment we're gonna remove is Benelon Australian Equities. It's essentially an actively managed investment manager that is their job is to be buying and selling and looking at companies that have shown great growth over the last couple of years, but value and can provide greater growth moving forward. They, at the end of late last year, had a bit of an issue, and they're not. They haven't really been able to change or make any alterations. And one of their underlying investments actually was a bit dishonest to to investors into the market.\n\nSo that has come out. It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong. So I wanna remove that out of your portfolio because they've had issues with their underlying investments, and it's underperforming in your portfolio at the moment. So we do wanna move that out. I could look at replacing that.\n\nSo the idea of having Benelon in your portfolio was to give you a little bit of active management. So they're supposed to be buying and selling to make sure that they're trying to outperform the market. But as you can sort of see, they've underperformed, so they can't they don't always outperform the market. And you tend to pay a higher management fee for having active managers or active investment managers in your portfolio. Did you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance?\n\nDoes that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Yep. Perfect. Please let me know if you need me to kinda delve deeper. Just wanna make sure that you're going that you're comfortable understanding everything I do say.\n\nAnd if you're not, please let me know. As I mentioned, there's no no silly questions. I'm here to help, and you're welcome to ask me anything you like. Okay?\n\nChannel 1: Yeah. No problem. Thanks.\n\nChannel 0: Yep. Beautiful. That's okay. So I can look at something a bit more low cost that's maybe provided a greater level of return, might provide a bit more in the future, but also maybe lower the fees a little bit for you.\n\nChannel 1: Yeah.\n\nChannel 0: Does that sound okay? Yeah? Yep. Perfect. I'll look at Netwealth as a platform, but also the other platforms out there to see what's gonna provide, what's gonna be better for you.\n\nIt is really important when you when we do look at investments inside your super fund, when we are changing investments, that we do consider the tax component. Because believe it or not, just like you do your tax return every year, your super fund also does a tax return every year. So they pay income tax and capital gains tax on changes on investments as well. So I will, as part of the research, go back and double check what the tax consequences look like so we can try to minimize those for you as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Beautiful. Lovely. I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there. If you have questions around those quotes, please do let me know.\n\nI'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well. Okay? The other thing I have here, Natalie, is your licensed PPD cover. So that is with Neos as we kinda went through before. You're currently covered for 03/7500 with the information I have here in front of me.\n\nNow are you thinking about the level of cover if you were to prematurely pass away? I'm touching, Wilk, because I don't want anything to happen to you. I want you to enjoy your life, get to retirement, and have a full happy retirement. If you were to maybe pass away, what's important to you? So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries.\n\nBut what would you want that to cover, and who would you want it to be paid to?\n\nChannel 1: So my house and\n\nChannel 0: Yeah. Cover the mortgage. Yeah.\n\nChannel 1: yep. And, yeah, to my daughter. But, yeah, that's\n\nChannel 0: Yep.\n\nChannel 1: enough whole thing. Because I need to do it for\n\nChannel 0: Yep.\n\nChannel 1: Will and stuff. I'm in a you know, we're separated, but, yeah,\n\nChannel 0: Okay.\n\nChannel 1: he's he's\n\nChannel 0: Yep.\n\nChannel 1: his daughter,\n\nChannel 0: Yep.\n\nChannel 1: and she's got his name. I just don't want him. If anything happens to me, he walks in here.\n\nChannel 0: Thanks. It all. Yeah.\n\nChannel 1: Thanks. Yeah. Do you know what I mean? I want\n\nChannel 0: Absolutely.\n\nChannel 1: it for you.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. No. I completely understand where you're going with that. Now if I look at the total benefit based on the information I have here at the moment, the estimated benefit life insurance paid out plus your super balance would provide an estimated benefit of about $496,062. So given your current mortgage that I have here, which is showing, sorry, 312,000, is that about right is that roughly the right estimate on your mortgage?\n\nChannel 1: Yeah. Yeah. It is.\n\nChannel 0: Yep.\n\nChannel 1: So that's\n\nChannel 0: Perfect.\n\nChannel 1: it. That's with that money sitting in there, the redraw.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So there's an extra 30,000 sitting in the redraw. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So I'll add the extra 30,000 on there. Sorry. Sorry. Sorry.\n\nWon't be a second. I'm just doing some quick math here for you.\n\nChannel 1: Yes.\n\nChannel 0: So we'll start with that. We'll take away the 312, and then we'll take away an extra, say, 30,000 there as well. Beautiful. And that leaves you with roughly about a 154,000, which you wanted to have paid out to your daughter. Now with your daughter, you may have mentioned that she is to your ex partner.\n\nHow old is your daughter? Is she over\n\nChannel 1: Yeah.\n\nChannel 0: 18, over 25? Is she technically a financial dependent?\n\nChannel 1: No. So she's only 10. That's what I'm saying. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: She's\n\nChannel 0: Perfect.\n\nChannel 1: at\n\nChannel 0: Yep. So one of the really\n\nChannel 1: the\n\nChannel 0: yeah. So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well. So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary. But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child. It goes to the guardian.\n\nAnd depending on state law, the guardian could be your ex partner, which means that he would get access. So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate. And then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner. It can be somebody else's sister, your mom, or your best friend. Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to\n\nChannel 1: Okay.\n\nChannel 0: your 10 year old daughter. That way, you've leave much more control around what happens to your assets and your estate. Does that make sense?\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I already someone that I wanted\n\nChannel 0: Yep.\n\nChannel 1: to be. So how does that do I yeah. So yeah. Do I\n\nChannel 0: That's right.\n\nChannel 1: do\n\nChannel 0: Yep.\n\nChannel 1: we speak at this further or\n\nChannel 0: Yep.\n\nChannel 1: I mean\n\nChannel 0: So what we would need to do is we can, as part of the advice, factor in the estate planning side of things. After the call, I can send you through some information on a local solicitor. So we don't draft a will for you. It has to be done by a licensed lawyer or solicitor. We can send you through some information on the solicitor that we use.\n\nIt has a bit of a costing on what it costs to do up a will and a bit of information around trusts for you. I can send that through to you shortly so you have that information there. And you could either give them a quick call to book in a time to go through it, or we can refer you. Or if you have another solicitor you're comfortable utilizing, you can absolutely go through them, but you just have to have a will drawn up properly by a local or by a solicitor to make sure that it's, you know, a little bit more it's you've got a bit more control around things, that they are done up correctly. And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up correctly.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: So I need to give you guys that name of the estate. I need to provide that to you guys then.\n\nChannel 0: No. No. No. No. That's okay.\n\nSo your everything goes into your estate normally on on passing. If we just nominate legal personal representative on your super and your insurances, On death, everything goes automatically to your estate. As part of your will, you just need to name an executor who is going to look after the estate and take care of any trust that you do set up. What I would suggest is once you've done your will, if you could give us a copy of that, and let us know who the executor is. Because\n\nChannel 1: Yeah.\n\nChannel 0: on passing, we will need to be able to speak to your executor to help them finalize the claim and have everything moved in.\n\nChannel 1: Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: I yep.\n\nChannel 0: Perfect.\n\nChannel 1: Cool.\n\nChannel 0: Does that help?\n\nChannel 1: It's the other thing. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Okay. It's\n\nChannel 0: Yep.\n\nChannel 1: good to yep.\n\nChannel 0: I will break down a bit of an email after the call which goes through what we discussed, what you sort of explained you wanted there, what we're looking at, just to kinda break it down for you. Because I know it is a lot. It can be quite in-depth, and then you can always come back with questions. Does that sound okay? I'll do a bit of a recap on the email for you as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Let's see.\n\nChannel 0: Yep. Perfect. All good. With the TBD cover, so TBD or total permanent disability pays out, it can be either a lump sum benefit or an income stream in the event that you're permanently incapacitated. So sorry.\n\nI've got the hiccups. I do apologize. TBD, just so you're aware, Natalie, is actually a taxable payment. So if you are TBD'd on a successful claim and you're under the age of 60, and I wholeheartedly disagree with this, but, unfortunately, TBD is taxed, and it can be up to 22%. So it means the amount you're covered for is not exactly likely to be the amount you get.\n\nHowever, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money. Does that make sense?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah. At the moment, your TBD sum insured is the same as the life amount, the 327,000. Do you feel like that's a comfortable amount to be covered for? Did you wanna look at changing that at all?\n\nChannel 1: No. Just leave it.\n\nChannel 0: Yep. And if you claim on TBD under the conditions of release of super, we can also claim permanent incapacity on your super and have that released as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Do you have any questions about that at all? You're welcome to\n\nChannel 1: You know.\n\nChannel 0: It's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So just to kind of recap, I'm gonna go back. You're happy with the insurances you have there with your life and TBD. We're gonna look at some income protection.\n\nI'll get some quotes for you. I'll look at the ninety day waiting yeah. Ninety day waiting period. I'll get\n\nChannel 1: Yeah.\n\nChannel 0: sorry.\n\nChannel 1: Thank\n\nChannel 0: You're at\n\nChannel 1: you. PPG or whatever it is.\n\nChannel 0: yep.\n\nChannel 1: Sorry.\n\nChannel 0: Yep.\n\nChannel 1: So that amount, that's gonna be taxed 20% or something.\n\nChannel 0: It can be taxed up to 22%. So if you go through a claim, there's a weird little math equation that they use. They essentially look at your age you are at time of claim, when you are on a when you stopped working or when you were made disabled. They subtract that from the age of 65. They also look at your tax free taxable components inside your super, and then they have what's called a relevant number.\n\nSo to work that out, it's basically working on the eligible service date or the opens or the date you're super open. It just comes down to what they use at the time of claim. And that tells them how much tax should be paid. Most of the time, you don't get taxed at up to 22%. And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable.\n\nAnd the tax payable is also if you take it as an income stream as opposed to a lump sum can also reduce the tax payable on it because you're taking smaller amounts of money on a regular basis. And it means the money stays invested for you as well. So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. Perfect. Sorry. There's a lot to it.\n\nChannel 1: No. I guess. Thank you.\n\nChannel 0: On the upside, if you did ever have the claim, you have us here. We will take care of all of that. We'll provide advice, and we'll help you to structure it and do everything we can to minimize the tax effect for you. Okay? Yep.\n\nAll good. I wholeheartedly disagree with the tax side of the TPD. I think if you're unable to work due to disablement, I don't think you should ever be taxed, but that is that is just my opinion over the governments, unfortunately.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So I'll go back. I'll have a look at the super. I'll look at reviewing the investments within the super. I'll keep you in that kind of growth environment there.\n\nI'll look at this tax consequences of changing your portfolio as well to see what that looks like, make sure we're minimizing that for you. I'll get some quotes to the income protection and email them through to you. I'll send you an email after this call which recaps the things that we spoke about and went through. If I have additional questions, I can always pop them in there, and I'll get you to send me a copy of your payslip, and I'll also get you to send me a copy of your home loan statement. And I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect.\n\nDoes that sound okay? Have I missed anything at all?\n\nChannel 1: No. That's perfect. Yep.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: okay? Perfect. I'll start by sending you an email with a bit of a recap and those things, and then we can kinda go from there. You'll then\n\nChannel 1: Yep.\n\nChannel 0: also have my contact, and you can email me any questions you have. I know sometimes questions come up out of the blue that you think, oh, I should have asked that. Just email them through to me. I'm happy to answer them. I work generally Monday to Thursday.\n\nI do take Friday off with my little son, but I'm here generally from 07:30 in the morning till about six, 07:00 at night, Monday to Thursday. So I will always answer any questions at the earliest opportunity possible. Okay?\n\nChannel 1: No problem. Thank you. Thanks,\n\nChannel 0: That's\n\nChannel 1: Dana.\n\nChannel 0: okay. That's not a problem at all. Is there anything else that kinda comes to mind or anything that you might wanna ask me while you've got\n\nChannel 1: No.\n\nChannel 0: me here as well?\n\nChannel 1: I'm good for now.\n\nChannel 0: No?\n\nChannel 1: Thanks. Yep.\n\nChannel 0: That's okay. We've touched on quite a lot, which is good.\n\nChannel 1: And so yeah. All of that out of my mind. That's why\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: needed rescheduling, but, yeah, I gotta\n\nChannel 0: That's\n\nChannel 1: jump\n\nChannel 0: okay.\n\nChannel 1: on\n\nChannel 0: Not a problem.\n\nChannel 1: now.\n\nChannel 0: All good. I will let you go.\n\nChannel 1: Get\n\nChannel 0: Thank you for taking my call.\n\nChannel 1: back\n\nChannel 0: I appreciate it. I'll send\n\nChannel 1: on\n\nChannel 0: you an email, and we can kinda go\n\nChannel 1: with\n\nChannel 0: from there for you. Okay?\n\nChannel 1: awesome. Thanks, Dana. Appreciate it.\n\nChannel 0: My pleasure, Natalie. You have a lovely day.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks. See\n\nChannel 1: Bye\n\nChannel 0: you later.\n\nChannel 1: bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.029552036896348},{"text":"Natalie speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.0230326009914279}],"sentiment":"neutral","sentiment_score":0.025205746293067932,"channel":1,"num_words":3,"start":1.76,"end":3.06},{"sentences":[{"text":"Hi, Natalie.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.13743015378713608},{"text":"It's Dana from Oakview Financial.","start":4.24,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.16895985901355742},{"text":"How are you today?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.19221239909529686}],"sentiment":"neutral","sentiment_score":0.17168265445665878,"channel":0,"num_words":11,"start":3.6,"end":6.8199997},{"sentences":[{"text":"Yeah.","start":7.04,"end":7.44,"sentiment":"neutral","sentiment_score":0.2344132363796234},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5023143291473389},{"text":"Thanks.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.5187790393829346},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.34787802894910175}],"sentiment":"positive","sentiment_score":0.383190115292867,"channel":1,"num_words":6,"start":7.04,"end":8.9},{"sentences":[{"text":"I'm very well.","start":9.12,"end":9.92,"sentiment":"positive","sentiment_score":0.5645301739374796},{"text":"Thank you.","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.6441030502319336},{"text":"I had you booked in for a bit of a catch up this morning.","start":10.32,"end":12.559999,"sentiment":"neutral","sentiment_score":0.29348014082227436},{"text":"Is now still a good time there for you?","start":12.559999,"end":14.58,"sentiment":"neutral","sentiment_score":0.25392284658220077}],"sentiment":"positive","sentiment_score":0.33485086475099834,"channel":0,"num_words":28,"start":9.12,"end":14.58},{"sentences":[{"text":"Yeah.","start":14.955,"end":15.275,"sentiment":"neutral","sentiment_score":0.13972878456115723},{"text":"Yeah.","start":15.275,"end":15.675,"sentiment":"neutral","sentiment_score":0.18357548117637632},{"text":"Today's 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yeah.","start":1388.86,"end":1389.98,"sentiment":"neutral","sentiment_score":0.15637516230344772},{"text":"Okay.","start":1389.98,"end":1390.48,"sentiment":"neutral","sentiment_score":0.23754289746284485}],"sentiment":"neutral","sentiment_score":0.176667096093297,"channel":1,"num_words":4,"start":1388.86,"end":1390.48},{"sentences":[{"text":"That's okay.","start":1391.61,"end":1392.25,"sentiment":"positive","sentiment_score":0.3338712006807327},{"text":"If you want me to break it down more, if you have questions, please ask.","start":1392.25,"end":1395.9299,"sentiment":"neutral","sentiment_score":0.1364025890827179},{"text":"There is no such thing as a silly question, so ask anything that 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paying","start":1402.275,"end":1403.0751,"sentiment":"neutral","sentiment_score":-0.03804602473974228}],"sentiment":"neutral","sentiment_score":-0.03042190745472908,"channel":1,"num_words":10,"start":1399.7151,"end":1403.0751},{"sentences":[{"text":"Yeah.","start":1402.885,"end":1403.385,"sentiment":"neutral","sentiment_score":-0.03782174736261368}],"sentiment":"neutral","sentiment_score":-0.03782174736261368,"channel":0,"num_words":1,"start":1402.885,"end":1403.385},{"sentences":[{"text":"more for premium.","start":1403.0751,"end":1404.135,"sentiment":"neutral","sentiment_score":-0.07142012317975362},{"text":"What wouldn't I be paying less?","start":1404.5951,"end":1406.935,"sentiment":"neutral","sentiment_score":-0.2601814890901248},{"text":"I mean, I 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yourself for a longer time frame.","start":1465.505,"end":1473.41,"sentiment":"neutral","sentiment_score":-0.05965587683022022}],"sentiment":"neutral","sentiment_score":-0.013481922214850783,"channel":0,"num_words":124,"start":1432.7849,"end":1473.41},{"sentences":[{"text":"But there are instances where, say, if you're off work for that two years, something's happened to you.","start":1474.03,"end":1480.5951,"sentiment":"neutral","sentiment_score":-0.047153827216890126},{"text":"You've broken an arm or a leg or a back or something, and you might be able to go back to work part time.","start":1480.5951,"end":1485.0751,"sentiment":"neutral","sentiment_score":-0.0475067604954044},{"text":"So you may be on a partial claim, which is 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say, I don't want it to happen, but something happens.","start":1509.795,"end":1512.8551,"sentiment":"neutral","sentiment_score":-0.07283941532174747}],"sentiment":"neutral","sentiment_score":-0.07283941532174747,"channel":1,"num_words":12,"start":1509.795,"end":1512.8551},{"sentences":[{"text":"Yeah.","start":1512.545,"end":1513.045,"sentiment":"neutral","sentiment_score":0.013353455811738968}],"sentiment":"neutral","sentiment_score":0.013353455811738968,"channel":0,"num_words":1,"start":1512.545,"end":1513.045},{"sentences":[{"text":"How does that work?","start":1514.995,"end":1516.135,"sentiment":"neutral","sentiment_score":0.018895286601036787}],"sentiment":"neutral","sentiment_score":0.018895286601036787,"channel":1,"num_words":4,"start":1514.995,"end":1516.135},{"sentences":[{"text":"So with the waiting period, that's how long you have to be off work before you can make a 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5,000.","start":1605.57,"end":1607.11,"sentiment":"neutral","sentiment_score":0.04549876227974892},{"text":"Beautiful.","start":1607.1699,"end":1607.6699,"sentiment":"positive","sentiment_score":0.4372947216033935}],"sentiment":"neutral","sentiment_score":0.09419671073555946,"channel":0,"num_words":8,"start":1604.69,"end":1607.6699},{"sentences":[{"text":"Yeah.","start":1607.955,"end":1608.455,"sentiment":"neutral","sentiment_score":0.1677284687757492}],"sentiment":"neutral","sentiment_score":0.1677284687757492,"channel":1,"num_words":1,"start":1607.955,"end":1608.455},{"sentences":[{"text":"And I have here so I'm just gonna alter that information there.","start":1608.61,"end":1613.09,"sentiment":"neutral","sentiment_score":0.11358833561340968},{"text":"Beautiful.","start":1613.09,"end":1613.59,"sentiment":"positive","sentiment_score":0.4649948477745056},{"text":"And with your super there, I can see that you are in Netwealth at the 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superannuation platform, maybe look at something else, look at different investment structures as well for you?","start":1631.87,"end":1639.8099,"sentiment":"neutral","sentiment_score":0.04985114187002182}],"sentiment":"neutral","sentiment_score":0.04985114187002182,"channel":0,"num_words":25,"start":1631.87,"end":1639.8099},{"sentences":[{"text":"Yeah.","start":1640.2899,"end":1640.69,"sentiment":"neutral","sentiment_score":0.05925637483596802},{"text":"Okay.","start":1640.69,"end":1641.19,"sentiment":"neutral","sentiment_score":0.09964461624622344}],"sentiment":"neutral","sentiment_score":0.07945049554109573,"channel":1,"num_words":2,"start":1640.2899,"end":1641.19},{"sentences":[{"text":"Yeah.","start":1641.795,"end":1642.295,"sentiment":"neutral","sentiment_score":0.1851452887058258},{"text":"Perfect.","start":1642.435,"end":1642.935,"sentiment":"positive","sentiment_score":0.4211638867855072}],"sentiment":"neutral","sentiment_score":0.3031545877456665,"channel":0,"num_words":2,"start":1641.795,"end":1642.935},{"sentences":[{"text":"Yeah.","start":1642.69,"end":1643.19,"sentiment":"neutral","sentiment_score":0.3069559335708618}],"sentiment":"neutral","sentiment_score":0.3069559335708618,"channel":1,"num_words":1,"start":1642.69,"end":1643.19},{"sentences":[{"text":"Lovely.","start":1644.115,"end":1644.615,"sentiment":"positive","sentiment_score":0.4841185808181762},{"text":"I can see having a look at one of your underlying investments, your Australian equities portion there.","start":1644.915,"end":1651.175,"sentiment":"neutral","sentiment_score":0.08740181837450056},{"text":"One of your underlying investments along Australian equities is underperforming a little bit as well, so I do wanna try and remove that out.","start":1651.315,"end":1658.0399,"sentiment":"neutral","sentiment_score":-0.11230048847695191},{"text":"One of the things I wanted to sort of double check was your risk tolerance.","start":1659.7,"end":1663.7999,"sentiment":"neutral","sentiment_score":-0.057419855147600174},{"text":"So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels.","start":1664.0199,"end":1673.565,"sentiment":"neutral","sentiment_score":0.009219420452912649}],"sentiment":"neutral","sentiment_score":-0.01505721199872165,"channel":0,"num_words":87,"start":1644.115,"end":1673.565},{"sentences":[{"text":"I've probably done one of these a couple of times with me in the past 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know,","start":1690.5449,"end":1694.21,"sentiment":"neutral","sentiment_score":0.001105443632695824}],"sentiment":"neutral","sentiment_score":0.0003473507061314124,"channel":1,"num_words":13,"start":1690.065,"end":1694.21},{"sentences":[{"text":"Yeah.","start":1693.92,"end":1694.42,"sentiment":"neutral","sentiment_score":0.000440217787399888}],"sentiment":"neutral","sentiment_score":0.000440217787399888,"channel":0,"num_words":1,"start":1693.92,"end":1694.42},{"sentences":[{"text":"late sixties, you know, 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something like that happened, it's gonna affect every super fund, not just yours.","start":1713.96,"end":1727.1051,"sentiment":"neutral","sentiment_score":-0.11703478243756801},{"text":"But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel?","start":1727.405,"end":1738.2251,"sentiment":"neutral","sentiment_score":-0.12085071226788892}],"sentiment":"neutral","sentiment_score":-0.10963871651168527,"channel":0,"num_words":87,"start":1710.84,"end":1738.2251},{"sentences":[{"text":"Are you okay with it knowing you've got a longer time horizon?","start":1738.365,"end":1742.22,"sentiment":"neutral","sentiment_score":-0.06419069878757},{"text":"You maybe wanna put some more money in.","start":1742.22,"end":1744.3201,"sentiment":"neutral","sentiment_score":-0.059340106789022684},{"text":"Are you a bit concerned and maybe wanting to call us, or are you really 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a","start":1842.565,"end":1843.365,"sentiment":"neutral","sentiment_score":-0.07560267051060994}],"sentiment":"neutral","sentiment_score":-0.0808211162686348,"channel":0,"num_words":5,"start":1841.605,"end":1843.365},{"sentences":[{"text":"Yeah.","start":1843.32,"end":1843.82,"sentiment":"neutral","sentiment_score":-0.05070427060127258}],"sentiment":"neutral","sentiment_score":-0.05070427060127258,"channel":1,"num_words":1,"start":1843.32,"end":1843.82},{"sentences":[{"text":"problem at all.","start":1843.365,"end":1844.4249,"sentiment":"neutral","sentiment_score":-0.002631912628809611},{"text":"Lovely.","start":1845.125,"end":1845.625,"sentiment":"positive","sentiment_score":0.37680619955062866},{"text":"Now having a look at things, you have scored there as more of a moderate investor.","start":1845.765,"end":1853.08,"sentiment":"neutral","sentiment_score":0.1870057350024581},{"text":"So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment.","start":1853.46,"end":1861.8,"sentiment":"neutral","sentiment_score":0.13518899945276125},{"text":"So sorry.","start":1862.02,"end":1862.76,"sentiment":"neutral","sentiment_score":-0.04523968882858753}],"sentiment":"neutral","sentiment_score":0.1411162965744734,"channel":0,"num_words":50,"start":1843.365,"end":1862.76},{"sentences":[{"text":"Okay.","start":1864.4851,"end":1864.9651,"sentiment":"neutral","sentiment_score":0.026865847408771515},{"text":"So as a more moderate investor, we generally would see you taking on a bit more of a lower amount of risk in the market, but that also means you would be expecting sort of lower rates of return.","start":1864.9651,"end":1874.9851,"sentiment":"neutral","sentiment_score":0.08360696870547074},{"text":"So we'd normally see roundabout, say, six the 70 60 to 70% of your super invest in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1875.525,"end":1888.3601,"sentiment":"neutral","sentiment_score":0.10231660306453705},{"text":"Commodities are both growth investments.","start":1888.5801,"end":1891.645,"sentiment":"neutral","sentiment_score":0.16000949144363402},{"text":"They get good returns over longer term, but they're also defensive in nature.","start":1891.705,"end":1895.705,"sentiment":"neutral","sentiment_score":0.2716339866702373}],"sentiment":"neutral","sentiment_score":0.12062599364182224,"channel":0,"num_words":92,"start":1864.4851,"end":1895.705},{"sentences":[{"text":"So when markets aren't doing so well, people tend to utilize alternative assets as a bit of a defensive safe haven.","start":1895.705,"end":1902.505,"sentiment":"neutral","sentiment_score":0.08745675463052023},{"text":"Gold is one of those, if it makes sense.","start":1902.505,"end":1904.605,"sentiment":"neutral","sentiment_score":0.18819254885117212},{"text":"With the portfolio you're in at the moment, you see that 80% of your super invested in those growth assets.","start":1906.24,"end":1911.9199,"sentiment":"neutral","sentiment_score":0.18021026700735093},{"text":"So it is designed to get greater potential returns.","start":1911.9199,"end":1914.5,"sentiment":"neutral","sentiment_score":0.23324735959370932},{"text":"The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis.","start":1915.9199,"end":1929.515,"sentiment":"neutral","sentiment_score":-0.019444776306811132}],"sentiment":"neutral","sentiment_score":0.08757582333745416,"channel":0,"num_words":97,"start":1895.705,"end":1929.515},{"sentences":[{"text":"Do you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level?","start":1929.815,"end":1941.9299,"sentiment":"neutral","sentiment_score":0.0653983157041461},{"text":"If you're not sure, you can tell me.","start":1941.99,"end":1944.09,"sentiment":"neutral","sentiment_score":-0.21059509366750717}],"sentiment":"neutral","sentiment_score":0.022105231881141663,"channel":0,"num_words":51,"start":1929.815,"end":1944.09},{"sentences":[{"text":"Sorry.","start":1944.755,"end":1944.995,"sentiment":"neutral","sentiment_score":-0.13419672846794128},{"text":"What was that?","start":1944.995,"end":1945.895,"sentiment":"neutral","sentiment_score":-0.09143647799889247},{"text":"If 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if you're not sure, let me know, and we can kinda talk it through in a bit more detail.","start":1946.905,"end":1951.245,"sentiment":"neutral","sentiment_score":-0.11756890062242746}],"sentiment":"neutral","sentiment_score":-0.11756890062242746,"channel":0,"num_words":20,"start":1946.905,"end":1951.245},{"sentences":[{"text":"yeah.","start":1953.4401,"end":1953.9401,"sentiment":"neutral","sentiment_score":-0.030818765982985497},{"text":"At the moment, I look I'm alright where I am.","start":1954.0,"end":1958.18,"sentiment":"neutral","sentiment_score":-0.011834055837243795}],"sentiment":"neutral","sentiment_score":-0.013559938577765768,"channel":1,"num_words":11,"start":1953.4401,"end":1958.18},{"sentences":[{"text":"Yeah.","start":1958.68,"end":1959.18,"sentiment":"neutral","sentiment_score":0.06403138488531113}],"sentiment":"neutral","sentiment_score":0.06403138488531113,"channel":0,"num_words":1,"start":1958.68,"end":1959.18},{"sentences":[{"text":"It's 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earliest we can under the current legislation is the age of 60 if we stop working and fully retire.","start":1994.65,"end":2007.245,"sentiment":"neutral","sentiment_score":-0.10862535587016572},{"text":"So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super.","start":2007.785,"end":2019.5901,"sentiment":"neutral","sentiment_score":-0.02427996902964836},{"text":"I, by no means, would want you to be in that kind of growth environment right up until the day you retire.","start":2019.89,"end":2025.8301,"sentiment":"neutral","sentiment_score":-0.1486290811815045},{"text":"So we sort of, once you're about six years out, start to kind of reduce your risk level down a bit.","start":2025.89,"end":2032.345,"sentiment":"neutral","sentiment_score":0.03886228338593528},{"text":"So you 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you want me to look at the growth of portfolio for a bit longer and maybe see what we can do?","start":2043.78,"end":2048.42,"sentiment":"neutral","sentiment_score":0.04487026567486199},{"text":"I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help 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He was us?","start":2094.55,"end":2096.4102,"sentiment":"neutral","sentiment_score":-0.08202935382723808}],"sentiment":"neutral","sentiment_score":-0.08202935382723808,"channel":1,"num_words":4,"start":2094.55,"end":2096.4102},{"sentences":[{"text":"Your the investment we're gonna remove is Benelon Australian Equities.","start":2096.92,"end":2101.0198,"sentiment":"neutral","sentiment_score":-0.10776772554963827},{"text":"It's essentially an actively managed investment manager that is their job is to be buying and selling and looking at companies that have shown great growth over the last couple of years, but value and can provide greater growth moving forward.","start":2101.24,"end":2117.085,"sentiment":"neutral","sentiment_score":0.09797805992931855},{"text":"They, at the end of late last year, had a bit of an issue, and they're not.","start":2117.7048,"end":2122.08,"sentiment":"negative","sentiment_score":-0.3840378610526814},{"text":"They haven't really been able to change or make any alterations.","start":2122.32,"end":2126.26,"sentiment":"negative","sentiment_score":-0.36164317618716846},{"text":"And one of their underlying investments actually was a bit dishonest to to investors into the market.","start":2126.4001,"end":2131.4402,"sentiment":"negative","sentiment_score":-0.5688375655342551}],"sentiment":"neutral","sentiment_score":-0.17955764571282393,"channel":0,"num_words":96,"start":2096.92,"end":2131.4402},{"sentences":[{"text":"So that has come out.","start":2131.4402,"end":2132.82,"sentiment":"negative","sentiment_score":-0.3498780786991119},{"text":"It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong.","start":2133.12,"end":2139.805,"sentiment":"negative","sentiment_score":-0.3467241086457905},{"text":"So I wanna remove that out of your portfolio because they've had issues with their underlying investments, and it's underperforming in your portfolio at the moment.","start":2139.945,"end":2148.985,"sentiment":"negative","sentiment_score":-0.36506036153206456},{"text":"So we do wanna move that out.","start":2148.985,"end":2151.2,"sentiment":"neutral","sentiment_score":-0.13460775358336313},{"text":"I could look at replacing that.","start":2151.2,"end":2153.28,"sentiment":"neutral","sentiment_score":-0.11607057477037112}],"sentiment":"neutral","sentiment_score":-0.3090062790683338,"channel":0,"num_words":63,"start":2131.4402,"end":2153.28},{"sentences":[{"text":"So the idea of having Benelon in your portfolio was to give you a little bit of active management.","start":2153.28,"end":2158.98,"sentiment":"neutral","sentiment_score":0.1657431294259272},{"text":"So they're supposed to be buying and selling to make sure that they're trying to outperform the market.","start":2159.04,"end":2164.3198,"sentiment":"neutral","sentiment_score":0.12749822272194755},{"text":"But as you can sort of see, they've underperformed, so they can't they don't always outperform the market.","start":2164.3198,"end":2170.155,"sentiment":"neutral","sentiment_score":-0.037217135437660746},{"text":"And you tend to pay a higher management fee for having active managers or active investment managers in your portfolio.","start":2170.5352,"end":2177.0352,"sentiment":"neutral","sentiment_score":-0.029640021920204162},{"text":"Did you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance?","start":2177.71,"end":2185.01,"sentiment":"neutral","sentiment_score":0.10495790526270866}],"sentiment":"neutral","sentiment_score":0.06805326223373413,"channel":0,"num_words":100,"start":2153.28,"end":2185.01},{"sentences":[{"text":"Does that make sense?","start":2185.31,"end":2186.45,"sentiment":"neutral","sentiment_score":0.1341133564710617}],"sentiment":"neutral","sentiment_score":0.1341133564710617,"channel":0,"num_words":4,"start":2185.31,"end":2186.45},{"sentences":[{"text":"Yes.","start":2186.83,"end":2187.33,"sentiment":"neutral","sentiment_score":0.11035434901714324},{"text":"Yes.","start":2187.47,"end":2187.97,"sentiment":"neutral","sentiment_score":0.12172337621450424}],"sentiment":"neutral","sentiment_score":0.11603886261582375,"channel":1,"num_words":2,"start":2186.83,"end":2187.97},{"sentences":[{"text":"Yeah.","start":2188.03,"end":2188.43,"sentiment":"neutral","sentiment_score":0.15703780949115753},{"text":"Yep.","start":2188.43,"end":2188.83,"sentiment":"neutral","sentiment_score":0.2396131157875061},{"text":"Perfect.","start":2188.83,"end":2189.33,"sentiment":"positive","sentiment_score":0.5398179888725281},{"text":"Please let me know if you need me to kinda delve deeper.","start":2189.645,"end":2192.7048,"sentiment":"neutral","sentiment_score":0.24081132809321085},{"text":"Just wanna make sure that you're going that you're comfortable understanding everything I do say.","start":2193.565,"end":2198.285,"sentiment":"neutral","sentiment_score":0.16526933511098227}],"sentiment":"neutral","sentiment_score":0.21017482926448186,"channel":0,"num_words":30,"start":2188.03,"end":2198.285},{"sentences":[{"text":"And if you're not, please let me know.","start":2198.285,"end":2199.885,"sentiment":"neutral","sentiment_score":0.0036259079352021217},{"text":"As I mentioned, there's no no silly questions.","start":2199.885,"end":2202.285,"sentiment":"neutral","sentiment_score":0.10570303723216057},{"text":"I'm here to help, and you're welcome to ask me anything you like.","start":2202.285,"end":2206.28,"sentiment":"neutral","sentiment_score":0.33163941365021926},{"text":"Okay?","start":2206.28,"end":2206.78,"sentiment":"neutral","sentiment_score":0.11534794420003892}],"sentiment":"neutral","sentiment_score":0.17670972943305968,"channel":0,"num_words":30,"start":2198.285,"end":2206.78},{"sentences":[{"text":"Yeah.","start":2207.38,"end":2207.6199,"sentiment":"neutral","sentiment_score":0.1448878049850464},{"text":"No problem.","start":2207.6199,"end":2208.26,"sentiment":"neutral","sentiment_score":0.24731721729040146},{"text":"Thanks.","start":2208.26,"end":2208.76,"sentiment":"positive","sentiment_score":0.38880687952041626}],"sentiment":"neutral","sentiment_score":0.2570822797715664,"channel":1,"num_words":4,"start":2207.38,"end":2208.76},{"sentences":[{"text":"Yep.","start":2208.36,"end":2208.86,"sentiment":"neutral","sentiment_score":0.3027228116989136},{"text":"Beautiful.","start":2208.9202,"end":2209.4202,"sentiment":"positive","sentiment_score":0.6021872758865356},{"text":"That's okay.","start":2209.56,"end":2210.3,"sentiment":"positive","sentiment_score":0.4748163968324661},{"text":"So I can look at something a bit more low cost that's maybe provided a greater level of return, might provide a bit more in the future, but also maybe lower the fees a little bit for you.","start":2210.84,"end":2220.3052,"sentiment":"neutral","sentiment_score":0.3080432846357948}],"sentiment":"neutral","sentiment_score":0.32286161184310913,"channel":0,"num_words":42,"start":2208.36,"end":2220.3052},{"sentences":[{"text":"Yeah.","start":2221.175,"end":2221.675,"sentiment":"neutral","sentiment_score":0.15943573415279388}],"sentiment":"neutral","sentiment_score":0.15943573415279388,"channel":1,"num_words":1,"start":2221.175,"end":2221.675},{"sentences":[{"text":"Does that sound okay?","start":2221.245,"end":2222.3052,"sentiment":"neutral","sentiment_score":0.12752357311546803},{"text":"Yeah?","start":2222.365,"end":2222.865,"sentiment":"neutral","sentiment_score":0.11071297526359558},{"text":"Yep.","start":2223.8052,"end":2224.3052,"sentiment":"neutral","sentiment_score":0.19278642535209656},{"text":"Perfect.","start":2224.445,"end":2224.945,"sentiment":"positive","sentiment_score":0.4631998538970947},{"text":"I'll look at Netwealth as a platform, but also the other platforms out there to see what's gonna provide, what's gonna be better for you.","start":2225.965,"end":2233.02,"sentiment":"neutral","sentiment_score":0.23105740368366243}],"sentiment":"neutral","sentiment_score":0.22041339497081935,"channel":0,"num_words":32,"start":2221.245,"end":2233.02},{"sentences":[{"text":"It is really important when you when we do look at investments inside your super fund, when we are changing investments, that we do consider the tax component.","start":2233.3198,"end":2241.9,"sentiment":"neutral","sentiment_score":0.07284210436046124},{"text":"Because believe it or not, just like you do your tax return every year, your super fund also does a tax return every year.","start":2241.96,"end":2249.635,"sentiment":"neutral","sentiment_score":0.1073109395802021},{"text":"So they pay income tax and capital gains tax on changes on investments as well.","start":2250.2551,"end":2255.055,"sentiment":"neutral","sentiment_score":0.08200709323088327},{"text":"So I will, as part of the research, go back and double check what the tax consequences look like so we can try to minimize those for you as well.","start":2255.055,"end":2264.1902,"sentiment":"neutral","sentiment_score":0.11528668701648712},{"text":"Okay?","start":2264.1902,"end":2264.6902,"sentiment":"neutral","sentiment_score":0.1132422536611557}],"sentiment":"neutral","sentiment_score":0.09609174219017126,"channel":0,"num_words":98,"start":2233.3198,"end":2264.6902},{"sentences":[{"text":"Yeah.","start":2265.31,"end":2265.81,"sentiment":"neutral","sentiment_score":0.23645517230033877}],"sentiment":"neutral","sentiment_score":0.23645517230033877,"channel":1,"num_words":1,"start":2265.31,"end":2265.81},{"sentences":[{"text":"Beautiful.","start":2266.4302,"end":2266.9302,"sentiment":"positive","sentiment_score":0.6583856344223022},{"text":"Beautiful.","start":2267.79,"end":2268.29,"sentiment":"positive","sentiment_score":0.7155485153198242},{"text":"Lovely.","start":2269.1501,"end":2269.6501,"sentiment":"neutral","sentiment_score":0.06529194116592407},{"text":"I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there.","start":2270.4302,"end":2278.305,"sentiment":"neutral","sentiment_score":0.17830233852709493},{"text":"If you have questions around those quotes, please do let me know.","start":2278.305,"end":2281.985,"sentiment":"neutral","sentiment_score":0.15100294475754103}],"sentiment":"neutral","sentiment_score":0.1908398678769236,"channel":0,"num_words":46,"start":2266.4302,"end":2281.985},{"sentences":[{"text":"I'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well.","start":2281.985,"end":2287.825,"sentiment":"positive","sentiment_score":0.46485267514767853},{"text":"Okay?","start":2287.825,"end":2288.325,"sentiment":"neutral","sentiment_score":0.09959901869297028},{"text":"The other thing I have here, Natalie, is your licensed PPD cover.","start":2290.53,"end":2294.21,"sentiment":"neutral","sentiment_score":0.051187852708001934},{"text":"So that is with Neos as we kinda went through before.","start":2294.21,"end":2297.4302,"sentiment":"neutral","sentiment_score":0.0417425429279154},{"text":"You're currently covered for 03/7500 with the information I have here in front of me.","start":2298.53,"end":2305.545,"sentiment":"neutral","sentiment_score":0.037393489355842274}],"sentiment":"neutral","sentiment_score":0.2004118563246823,"channel":0,"num_words":62,"start":2281.985,"end":2305.545},{"sentences":[{"text":"Now are you thinking about the level of cover if you were to prematurely pass away?","start":2305.865,"end":2310.9849,"sentiment":"neutral","sentiment_score":-0.04478727316018194},{"text":"I'm touching, Wilk, because I don't want anything to happen to you.","start":2310.9849,"end":2313.4648,"sentiment":"neutral","sentiment_score":-0.33020826677481335},{"text":"I want you to enjoy your life, get to retirement, and have a full happy retirement.","start":2313.4648,"end":2318.365,"sentiment":"positive","sentiment_score":0.36603786051273346},{"text":"If you were to maybe pass away, what's important to you?","start":2319.86,"end":2323.54,"sentiment":"neutral","sentiment_score":-0.07804951037872922},{"text":"So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries.","start":2323.54,"end":2328.2,"sentiment":"neutral","sentiment_score":0.0645155156031251}],"sentiment":"neutral","sentiment_score":0.021457011923193933,"channel":0,"num_words":75,"start":2305.865,"end":2328.2},{"sentences":[{"text":"But what would you want that to cover, and who would you want it to be paid to?","start":2329.22,"end":2333.0,"sentiment":"neutral","sentiment_score":-0.03170458392964469}],"sentiment":"neutral","sentiment_score":-0.03170458392964469,"channel":0,"num_words":18,"start":2329.22,"end":2333.0},{"sentences":[{"text":"So my house and","start":2335.435,"end":2337.215,"sentiment":"neutral","sentiment_score":-0.011144916294142604}],"sentiment":"neutral","sentiment_score":-0.011144916294142604,"channel":1,"num_words":4,"start":2335.435,"end":2337.215},{"sentences":[{"text":"Yeah.","start":2336.905,"end":2337.405,"sentiment":"neutral","sentiment_score":-0.00863249134272337},{"text":"Cover the mortgage.","start":2338.025,"end":2339.0051,"sentiment":"neutral","sentiment_score":-0.019336579677959282},{"text":"Yeah.","start":2339.145,"end":2339.645,"sentiment":"neutral","sentiment_score":-0.005909573286771774}],"sentiment":"neutral","sentiment_score":-0.014510360732674598,"channel":0,"num_words":5,"start":2336.905,"end":2339.645},{"sentences":[{"text":"yep.","start":2339.355,"end":2339.855,"sentiment":"neutral","sentiment_score":-0.021483032032847404},{"text":"And, yeah, to my daughter.","start":2340.075,"end":2342.735,"sentiment":"neutral","sentiment_score":-0.030415811762213706},{"text":"But, yeah, that's","start":2342.875,"end":2343.7551,"sentiment":"neutral","sentiment_score":-0.021088362360994022}],"sentiment":"neutral","sentiment_score":-0.026314130880766444,"channel":1,"num_words":9,"start":2339.355,"end":2343.7551},{"sentences":[{"text":"Yep.","start":2343.545,"end":2344.045,"sentiment":"neutral","sentiment_score":-0.039340462535619736}],"sentiment":"neutral","sentiment_score":-0.039340462535619736,"channel":0,"num_words":1,"start":2343.545,"end":2344.045},{"sentences":[{"text":"enough whole thing.","start":2343.7551,"end":2345.935,"sentiment":"neutral","sentiment_score":-0.09508402645587921},{"text":"Because I need to do it for","start":2347.9302,"end":2349.1301,"sentiment":"neutral","sentiment_score":-0.1629595011472702}],"sentiment":"neutral","sentiment_score":-0.1425968587398529,"channel":1,"num_words":10,"start":2343.7551,"end":2349.1301},{"sentences":[{"text":"Yep.","start":2349.0798,"end":2349.5798,"sentiment":"neutral","sentiment_score":-0.11712150275707243}],"sentiment":"neutral","sentiment_score":-0.11712150275707243,"channel":0,"num_words":1,"start":2349.0798,"end":2349.5798},{"sentences":[{"text":"Will and stuff.","start":2349.1301,"end":2350.1702,"sentiment":"neutral","sentiment_score":-0.13384507099787393},{"text":"I'm in a you know, we're separated, but, yeah,","start":2350.1702,"end":2353.37,"sentiment":"neutral","sentiment_score":-0.095729341937436}],"sentiment":"neutral","sentiment_score":-0.10525827420254548,"channel":1,"num_words":12,"start":2349.1301,"end":2353.37},{"sentences":[{"text":"Okay.","start":2353.24,"end":2353.74,"sentiment":"neutral","sentiment_score":-0.06715188920497894}],"sentiment":"neutral","sentiment_score":-0.06715188920497894,"channel":0,"num_words":1,"start":2353.24,"end":2353.74},{"sentences":[{"text":"he's he's","start":2353.37,"end":2354.4102,"sentiment":"neutral","sentiment_score":-0.06525363400578499}],"sentiment":"neutral","sentiment_score":-0.06525363400578499,"channel":1,"num_words":2,"start":2353.37,"end":2354.4102},{"sentences":[{"text":"Yep.","start":2354.1199,"end":2354.6199,"sentiment":"neutral","sentiment_score":-0.034928709268569946}],"sentiment":"neutral","sentiment_score":-0.034928709268569946,"channel":0,"num_words":1,"start":2354.1199,"end":2354.6199},{"sentences":[{"text":"his daughter,","start":2354.4102,"end":2355.23,"sentiment":"neutral","sentiment_score":-0.0614272877573967}],"sentiment":"neutral","sentiment_score":-0.0614272877573967,"channel":1,"num_words":2,"start":2354.4102,"end":2355.23},{"sentences":[{"text":"Yep.","start":2355.96,"end":2356.46,"sentiment":"neutral","sentiment_score":-0.048825882375240326}],"sentiment":"neutral","sentiment_score":-0.048825882375240326,"channel":0,"num_words":1,"start":2355.96,"end":2356.46},{"sentences":[{"text":"and she's got his name.","start":2357.37,"end":2358.97,"sentiment":"neutral","sentiment_score":-0.10601085573434829},{"text":"I just don't want him.","start":2358.97,"end":2360.09,"sentiment":"neutral","sentiment_score":-0.31650932431221007},{"text":"If anything happens to me, he walks in 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mean?","start":2366.365,"end":2367.325,"sentiment":"neutral","sentiment_score":0.03293221009274324},{"text":"I want","start":2367.325,"end":2367.645,"sentiment":"neutral","sentiment_score":0.06877198815345764}],"sentiment":"neutral","sentiment_score":0.05964703224599362,"channel":1,"num_words":10,"start":2365.485,"end":2367.645},{"sentences":[{"text":"Absolutely.","start":2367.415,"end":2367.915,"sentiment":"neutral","sentiment_score":0.13959461450576782}],"sentiment":"neutral","sentiment_score":0.13959461450576782,"channel":0,"num_words":1,"start":2367.415,"end":2367.915},{"sentences":[{"text":"it for you.","start":2367.645,"end":2368.865,"sentiment":"neutral","sentiment_score":0.13569911817709604}],"sentiment":"neutral","sentiment_score":0.13569911817709604,"channel":1,"num_words":3,"start":2367.645,"end":2368.865},{"sentences":[{"text":"Yeah.","start":2369.2551,"end":2369.7551,"sentiment":"neutral","sentiment_score":0.05232806131243706}],"sentiment":"neutral","sentiment_score":0.05232806131243706,"channel":0,"num_words":1,"start":2369.2551,"end":2369.7551},{"sentences":[{"text":"Yeah.","start":2371.245,"end":2371.565,"sentiment":"neutral","sentiment_score":0.04136529192328453},{"text":"Yeah.","start":2371.565,"end":2372.065,"sentiment":"neutral","sentiment_score":0.03656899929046631}],"sentiment":"neutral","sentiment_score":0.03896714560687542,"channel":1,"num_words":2,"start":2371.245,"end":2372.065},{"sentences":[{"text":"Yep.","start":2372.8901,"end":2373.3901,"sentiment":"neutral","sentiment_score":0.018406730145215988},{"text":"No.","start":2373.4502,"end":2373.85,"sentiment":"neutral","sentiment_score":-0.10446617752313614},{"text":"I completely understand where you're going with that.","start":2373.85,"end":2376.59,"sentiment":"neutral","sentiment_score":-0.09355131722986698},{"text":"Now if I look at the total benefit based on the information I have here at the moment, the estimated benefit life insurance paid out plus your super balance would provide an estimated benefit of about $496,062.","start":2376.81,"end":2390.145,"sentiment":"neutral","sentiment_score":0.03176888581868764},{"text":"So given your current mortgage that I have here, which is showing, sorry, 312,000, is that about right is that roughly the right estimate on your mortgage?","start":2390.145,"end":2399.845,"sentiment":"neutral","sentiment_score":-0.0006875882822054404}],"sentiment":"neutral","sentiment_score":0.0043569446818248645,"channel":0,"num_words":74,"start":2372.8901,"end":2399.845},{"sentences":[{"text":"Yeah.","start":2399.825,"end":2400.065,"sentiment":"neutral","sentiment_score":0.016093946993350983},{"text":"Yeah.","start":2400.065,"end":2400.2249,"sentiment":"neutral","sentiment_score":-0.00025954507873393595},{"text":"It is.","start":2400.2249,"end":2400.9648,"sentiment":"neutral","sentiment_score":0.2318861037492752}],"sentiment":"neutral","sentiment_score":0.11990165235329187,"channel":1,"num_words":4,"start":2399.825,"end":2400.9648},{"sentences":[{"text":"Yep.","start":2401.47,"end":2401.95,"sentiment":"neutral","sentiment_score":0.2300238311290741}],"sentiment":"neutral","sentiment_score":0.2300238311290741,"channel":0,"num_words":1,"start":2401.47,"end":2401.95},{"sentences":[{"text":"So that's","start":2401.585,"end":2402.1448,"sentiment":"positive","sentiment_score":0.5007095038890839}],"sentiment":"positive","sentiment_score":0.5007095038890839,"channel":1,"num_words":2,"start":2401.585,"end":2402.1448},{"sentences":[{"text":"Perfect.","start":2401.95,"end":2402.45,"sentiment":"positive","sentiment_score":0.7389589548110962}],"sentiment":"positive","sentiment_score":0.7389589548110962,"channel":0,"num_words":1,"start":2401.95,"end":2402.45},{"sentences":[{"text":"it.","start":2402.1448,"end":2402.6448,"sentiment":"positive","sentiment_score":0.5380595922470093},{"text":"That's with that money sitting in there, the redraw.","start":2403.29,"end":2406.91,"sentiment":"neutral","sentiment_score":0.3108365833759308}],"sentiment":"positive","sentiment_score":0.33355888426303865,"channel":1,"num_words":10,"start":2402.1448,"end":2406.91},{"sentences":[{"text":"Yep.","start":2406.51,"end":2407.01,"sentiment":"neutral","sentiment_score":0.09357772767543791},{"text":"Yep.","start":2407.47,"end":2407.97,"sentiment":"neutral","sentiment_score":0.08925585448741913}],"sentiment":"neutral","sentiment_score":0.09141679108142853,"channel":0,"num_words":2,"start":2406.51,"end":2407.97},{"sentences":[{"text":"Yeah.","start":2409.69,"end":2410.19,"sentiment":"neutral","sentiment_score":0.10942265391349792}],"sentiment":"neutral","sentiment_score":0.10942265391349792,"channel":1,"num_words":1,"start":2409.69,"end":2410.19},{"sentences":[{"text":"So there's an extra 30,000 sitting in the redraw.","start":2409.79,"end":2412.51,"sentiment":"neutral","sentiment_score":0.10347225848171446},{"text":"Is that right?","start":2412.51,"end":2413.41,"sentiment":"neutral","sentiment_score":0.09283387412627538}],"sentiment":"neutral","sentiment_score":0.10081266239285469,"channel":0,"num_words":12,"start":2409.79,"end":2413.41},{"sentences":[{"text":"Yeah.","start":2413.45,"end":2413.95,"sentiment":"neutral","sentiment_score":0.07949644327163696}],"sentiment":"neutral","sentiment_score":0.07949644327163696,"channel":1,"num_words":1,"start":2413.45,"end":2413.95},{"sentences":[{"text":"Yep.","start":2414.7148,"end":2415.2148,"sentiment":"neutral","sentiment_score":0.07849036902189255},{"text":"So I'll add the extra 30,000 on there.","start":2415.355,"end":2418.4148,"sentiment":"neutral","sentiment_score":0.059505346696823835},{"text":"Sorry.","start":2419.9148,"end":2420.4148,"sentiment":"neutral","sentiment_score":-0.12386581301689148},{"text":"Sorry.","start":2420.555,"end":2421.055,"sentiment":"neutral","sentiment_score":-0.15377658605575562},{"text":"Sorry.","start":2421.755,"end":2422.1548,"sentiment":"neutral","sentiment_score":-0.17488135397434235}],"sentiment":"neutral","sentiment_score":0.008500782462457815,"channel":0,"num_words":12,"start":2414.7148,"end":2422.1548},{"sentences":[{"text":"Won't be a second.","start":2422.1548,"end":2423.035,"sentiment":"neutral","sentiment_score":-0.17975107580423355},{"text":"I'm just doing some quick math here for you.","start":2423.035,"end":2426.255,"sentiment":"neutral","sentiment_score":0.014132165039579073}],"sentiment":"neutral","sentiment_score":-0.045524216758517116,"channel":0,"num_words":13,"start":2422.1548,"end":2426.255},{"sentences":[{"text":"Yes.","start":2426.405,"end":2426.905,"sentiment":"neutral","sentiment_score":0.05188614875078201}],"sentiment":"neutral","sentiment_score":0.05188614875078201,"channel":1,"num_words":1,"start":2426.405,"end":2426.905},{"sentences":[{"text":"So we'll start with that.","start":2427.6501,"end":2429.09,"sentiment":"neutral","sentiment_score":0.02909845523536205},{"text":"We'll take away the 312, and then we'll take away an extra, say, 30,000 there as well.","start":2429.09,"end":2437.03,"sentiment":"neutral","sentiment_score":0.00316597255604232},{"text":"Beautiful.","start":2439.665,"end":2440.165,"sentiment":"positive","sentiment_score":0.6249626874923706},{"text":"And that leaves you with roughly about a 154,000, which you wanted to have paid out to your daughter.","start":2440.545,"end":2446.405,"sentiment":"neutral","sentiment_score":0.15125881684453865},{"text":"Now with your daughter, you may have mentioned that she is to your ex partner.","start":2446.625,"end":2450.405,"sentiment":"neutral","sentiment_score":-0.032421688983837765}],"sentiment":"neutral","sentiment_score":0.056348573375624,"channel":0,"num_words":57,"start":2427.6501,"end":2450.405},{"sentences":[{"text":"How old is your daughter?","start":2451.665,"end":2452.785,"sentiment":"neutral","sentiment_score":-0.06200234442949295},{"text":"Is she over","start":2452.785,"end":2454.15,"sentiment":"neutral","sentiment_score":-0.0418691486120224}],"sentiment":"neutral","sentiment_score":-0.054452395997941494,"channel":0,"num_words":8,"start":2451.665,"end":2454.15},{"sentences":[{"text":"Yeah.","start":2454.0051,"end":2454.5051,"sentiment":"neutral","sentiment_score":-0.02351943962275982}],"sentiment":"neutral","sentiment_score":-0.02351943962275982,"channel":1,"num_words":1,"start":2454.0051,"end":2454.5051},{"sentences":[{"text":"18, over 25?","start":2454.15,"end":2455.3499,"sentiment":"neutral","sentiment_score":-0.030808767303824425},{"text":"Is she technically a financial dependent?","start":2455.3499,"end":2457.29,"sentiment":"neutral","sentiment_score":-0.05959532782435417}],"sentiment":"neutral","sentiment_score":-0.049999807650844254,"channel":0,"num_words":9,"start":2454.15,"end":2457.29},{"sentences":[{"text":"No.","start":2457.845,"end":2458.325,"sentiment":"neutral","sentiment_score":-0.13946975767612457},{"text":"So she's only 10.","start":2458.325,"end":2459.5251,"sentiment":"neutral","sentiment_score":-0.10123196803033352},{"text":"That's what I'm 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one of the really","start":2463.3499,"end":2464.39,"sentiment":"neutral","sentiment_score":0.10703381299972534}],"sentiment":"neutral","sentiment_score":0.13327381511529288,"channel":0,"num_words":6,"start":2462.79,"end":2464.39},{"sentences":[{"text":"the","start":2465.1301,"end":2465.3801,"sentiment":"neutral","sentiment_score":0.06841492652893066}],"sentiment":"neutral","sentiment_score":0.06841492652893066,"channel":1,"num_words":1,"start":2465.1301,"end":2465.3801},{"sentences":[{"text":"yeah.","start":2465.19,"end":2465.685,"sentiment":"neutral","sentiment_score":0.09548312425613403},{"text":"So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well.","start":2465.7651,"end":2475.5452,"sentiment":"neutral","sentiment_score":0.007047603651881218},{"text":"So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary.","start":2475.845,"end":2488.26,"sentiment":"neutral","sentiment_score":0.03827712430459697},{"text":"But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child.","start":2488.4,"end":2495.455,"sentiment":"neutral","sentiment_score":-0.05228105760006993},{"text":"It goes to the guardian.","start":2495.455,"end":2496.7551,"sentiment":"neutral","sentiment_score":-0.030731330811977386}],"sentiment":"neutral","sentiment_score":0.0033465276978779258,"channel":0,"num_words":114,"start":2465.19,"end":2496.7551},{"sentences":[{"text":"And depending on state law, the guardian could be your ex partner, which means that he would get access.","start":2497.215,"end":2503.475,"sentiment":"neutral","sentiment_score":0.023978451315901782},{"text":"So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate.","start":2503.7751,"end":2515.22,"sentiment":"neutral","sentiment_score":0.2206823956221342},{"text":"And then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner.","start":2515.28,"end":2529.635,"sentiment":"neutral","sentiment_score":0.15318805490468823},{"text":"It can be somebody else's sister, your mom, or your best friend.","start":2529.635,"end":2532.9949,"sentiment":"neutral","sentiment_score":0.09904046418766181},{"text":"Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to","start":2532.9949,"end":2540.64,"sentiment":"neutral","sentiment_score":0.10476600346357925}],"sentiment":"neutral","sentiment_score":0.13973944983620168,"channel":0,"num_words":133,"start":2497.215,"end":2540.64},{"sentences":[{"text":"Okay.","start":2540.59,"end":2541.09,"sentiment":"neutral","sentiment_score":0.12951406836509705}],"sentiment":"neutral","sentiment_score":0.12951406836509705,"channel":1,"num_words":1,"start":2540.59,"end":2541.09},{"sentences":[{"text":"your 10 year old daughter.","start":2540.64,"end":2542.0198,"sentiment":"neutral","sentiment_score":0.18968653082847595},{"text":"That way, you've leave much more control around what happens to your assets and your estate.","start":2542.24,"end":2547.2798,"sentiment":"neutral","sentiment_score":0.24445956572890282},{"text":"Does that make 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on a local solicitor.","start":2568.32,"end":2571.86,"sentiment":"neutral","sentiment_score":0.07792817987501621},{"text":"So we don't draft a will for you.","start":2571.9202,"end":2573.6,"sentiment":"neutral","sentiment_score":-0.01575350179336965},{"text":"It has to be done by a licensed lawyer or solicitor.","start":2573.6,"end":2576.775,"sentiment":"neutral","sentiment_score":0.03646609695120291},{"text":"We can send you through some information on the solicitor that we use.","start":2577.475,"end":2580.835,"sentiment":"neutral","sentiment_score":0.10675450586355649}],"sentiment":"neutral","sentiment_score":0.07676695592269517,"channel":0,"num_words":69,"start":2562.32,"end":2580.835},{"sentences":[{"text":"It has a bit of a costing on what it costs to do up a will and a bit of information around trusts for you.","start":2580.835,"end":2586.535,"sentiment":"neutral","sentiment_score":0.07039059311151505},{"text":"I can send that through to you shortly so you have that information there.","start":2586.995,"end":2590.775,"sentiment":"neutral","sentiment_score":0.2446437446134431},{"text":"And you could either give them a quick call to book in a time to go through it, or we can refer you.","start":2591.1,"end":2596.1401,"sentiment":"neutral","sentiment_score":0.19638693429853604},{"text":"Or if you have another solicitor you're comfortable utilizing, you can absolutely go through them, but you just have to have a will drawn up properly by a local or by a solicitor to make sure that it's, you know, a little bit more it's you've got a bit more control around things, that they are done up correctly.","start":2596.1401,"end":2613.845,"sentiment":"neutral","sentiment_score":0.06128561856635546},{"text":"And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up 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the other thing.","start":2682.7002,"end":2684.22,"sentiment":"neutral","sentiment_score":0.0684841014444828},{"text":"Yeah.","start":2684.22,"end":2684.72,"sentiment":"neutral","sentiment_score":0.06917120516300201}],"sentiment":"neutral","sentiment_score":0.06862152218818665,"channel":1,"num_words":5,"start":2682.7002,"end":2684.72},{"sentences":[{"text":"Yeah.","start":2685.24,"end":2685.74,"sentiment":"neutral","sentiment_score":0.05708188936114311}],"sentiment":"neutral","sentiment_score":0.05708188936114311,"channel":0,"num_words":1,"start":2685.24,"end":2685.74},{"sentences":[{"text":"But 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goes through what we discussed, what you sort of explained you wanted there, what we're looking at, just to kinda break it down for you.","start":2690.355,"end":2700.115,"sentiment":"neutral","sentiment_score":0.21163488297086014},{"text":"Because I know it is a lot.","start":2700.115,"end":2701.395,"sentiment":"neutral","sentiment_score":0.056349453649350574},{"text":"It can be quite in-depth, and then you can always come back with questions.","start":2701.395,"end":2706.14,"sentiment":"neutral","sentiment_score":0.13813396756138122},{"text":"Does that sound okay?","start":2706.14,"end":2707.18,"sentiment":"neutral","sentiment_score":0.174369178712368},{"text":"I'll do a bit of a recap on the email for you as 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see.","start":2711.02,"end":2711.76,"sentiment":"neutral","sentiment_score":0.08238525316119194}],"sentiment":"neutral","sentiment_score":0.08238525316119194,"channel":1,"num_words":2,"start":2711.02,"end":2711.76},{"sentences":[{"text":"Yep.","start":2711.5798,"end":2712.0798,"sentiment":"neutral","sentiment_score":0.20937304198741913},{"text":"Perfect.","start":2712.3,"end":2712.8,"sentiment":"positive","sentiment_score":0.5604464411735535},{"text":"All good.","start":2713.5,"end":2714.24,"sentiment":"positive","sentiment_score":0.5675946176052094},{"text":"With the TBD cover, so TBD or total permanent disability pays out, it can be either a lump sum benefit or an income stream in the event that you're permanently incapacitated.","start":2714.94,"end":2724.255,"sentiment":"neutral","sentiment_score":0.12306176702822408},{"text":"So sorry.","start":2725.675,"end":2726.155,"sentiment":"neutral","sentiment_score":-0.23922743648290634}],"sentiment":"neutral","sentiment_score":0.1416613141427169,"channel":0,"num_words":37,"start":2711.5798,"end":2726.155},{"sentences":[{"text":"I've got the hiccups.","start":2726.155,"end":2726.875,"sentiment":"negative","sentiment_score":-0.46006377041339874},{"text":"I do apologize.","start":2726.875,"end":2727.615,"sentiment":"neutral","sentiment_score":-0.3265487253665924},{"text":"TBD, just so you're aware, Natalie, is actually a taxable payment.","start":2728.635,"end":2732.91,"sentiment":"neutral","sentiment_score":-0.2568519399924712},{"text":"So if you are TBD'd on a successful claim and you're under the age of 60, and I wholeheartedly disagree with this, but, unfortunately, TBD is taxed, and it can be up to 22%.","start":2732.91,"end":2744.575,"sentiment":"neutral","sentiment_score":-0.3323931409155621},{"text":"So it means the amount you're covered for is not exactly likely to be the amount you get.","start":2744.575,"end":2749.375,"sentiment":"negative","sentiment_score":-0.4741077754232619}],"sentiment":"negative","sentiment_score":-0.36400827637740546,"channel":0,"num_words":70,"start":2726.155,"end":2749.375},{"sentences":[{"text":"However, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money.","start":2749.375,"end":2762.38,"sentiment":"neutral","sentiment_score":0.1626333983784372},{"text":"Does that make sense?","start":2762.38,"end":2763.52,"sentiment":"neutral","sentiment_score":0.12460345402359962}],"sentiment":"neutral","sentiment_score":0.15946423634886742,"channel":0,"num_words":48,"start":2749.375,"end":2763.52},{"sentences":[{"text":"Mhmm.","start":2763.7751,"end":2764.2751,"sentiment":"neutral","sentiment_score":0.03158315643668175},{"text":"Yeah.","start":2764.5398,"end":2765.0398,"sentiment":"neutral","sentiment_score":0.08517631888389587}],"sentiment":"neutral","sentiment_score":0.05837973766028881,"channel":1,"num_words":2,"start":2763.7751,"end":2765.0398},{"sentences":[{"text":"Yeah.","start":2764.8599,"end":2765.3599,"sentiment":"neutral","sentiment_score":0.10925202071666718},{"text":"At the moment, your TBD sum insured is the same as the life amount, the 327,000.","start":2766.0598,"end":2772.0598,"sentiment":"neutral","sentiment_score":0.12258484307676554},{"text":"Do you feel like that's a comfortable amount to be covered for?","start":2772.0598,"end":2775.335,"sentiment":"neutral","sentiment_score":0.1461286898702383},{"text":"Did you wanna look at changing that at all?","start":2775.335,"end":2777.675,"sentiment":"neutral","sentiment_score":0.0020728320297267702}],"sentiment":"neutral","sentiment_score":0.10112655991198201,"channel":0,"num_words":38,"start":2764.8599,"end":2777.675},{"sentences":[{"text":"No.","start":2778.2998,"end":2778.6199,"sentiment":"neutral","sentiment_score":-0.1532120257616043},{"text":"Just leave it.","start":2778.6199,"end":2779.635,"sentiment":"neutral","sentiment_score":-0.11599105099836986}],"sentiment":"neutral","sentiment_score":-0.12529629468917847,"channel":1,"num_words":4,"start":2778.2998,"end":2779.635},{"sentences":[{"text":"Yep.","start":2780.295,"end":2780.795,"sentiment":"neutral","sentiment_score":0.03652524948120117},{"text":"And if you claim on TBD under the conditions of release of super, we can also claim permanent incapacity on your super and have that released as well.","start":2780.855,"end":2788.89,"sentiment":"neutral","sentiment_score":-0.03726585495418736},{"text":"Okay?","start":2789.13,"end":2789.63,"sentiment":"neutral","sentiment_score":0.03315921127796173}],"sentiment":"neutral","sentiment_score":-0.03245864926526944,"channel":0,"num_words":30,"start":2780.295,"end":2789.63},{"sentences":[{"text":"Okay.","start":2790.035,"end":2790.535,"sentiment":"neutral","sentiment_score":0.05001743137836456}],"sentiment":"neutral","sentiment_score":0.05001743137836456,"channel":1,"num_words":1,"start":2790.035,"end":2790.535},{"sentences":[{"text":"Yep.","start":2791.13,"end":2791.6099,"sentiment":"neutral","sentiment_score":0.12548571825027466},{"text":"Perfect.","start":2791.6099,"end":2792.1099,"sentiment":"positive","sentiment_score":0.38663315773010254},{"text":"Do you have any questions about that at all?","start":2792.17,"end":2794.25,"sentiment":"neutral","sentiment_score":0.1998798449834188},{"text":"You're welcome to","start":2794.25,"end":2795.21,"sentiment":"neutral","sentiment_score":0.2597208221753438}],"sentiment":"neutral","sentiment_score":0.22072856766836985,"channel":0,"num_words":14,"start":2791.13,"end":2795.21},{"sentences":[{"text":"You know.","start":2796.72,"end":2797.3801,"sentiment":"neutral","sentiment_score":0.18602368980646133}],"sentiment":"neutral","sentiment_score":0.18602368980646133,"channel":1,"num_words":2,"start":2796.72,"end":2797.3801},{"sentences":[{"text":"It's okay.","start":2797.7698,"end":2798.5898,"sentiment":"neutral","sentiment_score":0.21762492507696152}],"sentiment":"neutral","sentiment_score":0.21762492507696152,"channel":0,"num_words":2,"start":2797.7698,"end":2798.5898},{"sentences":[{"text":"Yeah.","start":2799.12,"end":2799.62,"sentiment":"neutral","sentiment_score":0.19112560153007507}],"sentiment":"neutral","sentiment_score":0.19112560153007507,"channel":1,"num_words":1,"start":2799.12,"end":2799.62},{"sentences":[{"text":"Yep.","start":2800.3298,"end":2800.8298,"sentiment":"neutral","sentiment_score":0.2340993881225586},{"text":"Perfect.","start":2800.97,"end":2801.47,"sentiment":"positive","sentiment_score":0.3908400535583496},{"text":"So just to kind of recap, I'm gonna go back.","start":2802.215,"end":2804.695,"sentiment":"neutral","sentiment_score":0.15515729710459708},{"text":"You're happy with the insurances you have there with your life and TBD.","start":2804.695,"end":2807.735,"sentiment":"positive","sentiment_score":0.41678325029519886},{"text":"We're gonna look at some income protection.","start":2807.735,"end":2809.675,"sentiment":"neutral","sentiment_score":0.2100980579853058}],"sentiment":"neutral","sentiment_score":0.28329315851442516,"channel":0,"num_words":32,"start":2800.3298,"end":2809.675},{"sentences":[{"text":"I'll get some quotes for you.","start":2810.295,"end":2812.135,"sentiment":"neutral","sentiment_score":0.20598261306683222},{"text":"I'll look at the ninety day waiting yeah.","start":2812.135,"end":2814.615,"sentiment":"neutral","sentiment_score":0.10285774245858192},{"text":"Ninety day waiting period.","start":2814.615,"end":2815.975,"sentiment":"neutral","sentiment_score":0.048456414602696896},{"text":"I'll get","start":2815.975,"end":2816.635,"sentiment":"neutral","sentiment_score":0.04526401497423649}],"sentiment":"neutral","sentiment_score":0.11715556532144547,"channel":0,"num_words":20,"start":2810.295,"end":2816.635},{"sentences":[{"text":"Yeah.","start":2816.8152,"end":2817.215,"sentiment":"neutral","sentiment_score":0.005483515560626984}],"sentiment":"neutral","sentiment_score":0.005483515560626984,"channel":1,"num_words":1,"start":2816.8152,"end":2817.215},{"sentences":[{"text":"sorry.","start":2817.1199,"end":2817.5999,"sentiment":"neutral","sentiment_score":0.004719849675893784}],"sentiment":"neutral","sentiment_score":0.004719849675893784,"channel":0,"num_words":1,"start":2817.1199,"end":2817.5999},{"sentences":[{"text":"Thank","start":2817.215,"end":2817.715,"sentiment":"neutral","sentiment_score":0.1483733057975769}],"sentiment":"neutral","sentiment_score":0.1483733057975769,"channel":1,"num_words":1,"start":2817.215,"end":2817.715},{"sentences":[{"text":"You're at","start":2817.5999,"end":2817.92,"sentiment":"neutral","sentiment_score":0.08233877643942833}],"sentiment":"neutral","sentiment_score":0.08233877643942833,"channel":0,"num_words":2,"start":2817.5999,"end":2817.92},{"sentences":[{"text":"you.","start":2818.415,"end":2818.655,"sentiment":"neutral","sentiment_score":0.12508997321128845},{"text":"PPG or whatever it is.","start":2818.655,"end":2820.5752,"sentiment":"neutral","sentiment_score":0.0074784960597753525}],"sentiment":"neutral","sentiment_score":0.02708040891836087,"channel":1,"num_words":6,"start":2818.415,"end":2820.5752},{"sentences":[{"text":"yep.","start":2820.48,"end":2820.98,"sentiment":"neutral","sentiment_score":-0.02142133191227913}],"sentiment":"neutral","sentiment_score":-0.02142133191227913,"channel":0,"num_words":1,"start":2820.48,"end":2820.98},{"sentences":[{"text":"Sorry.","start":2820.5752,"end":2820.99,"sentiment":"neutral","sentiment_score":-0.0545208603143692}],"sentiment":"neutral","sentiment_score":-0.0545208603143692,"channel":1,"num_words":1,"start":2820.5752,"end":2820.99},{"sentences":[{"text":"Yep.","start":2821.5198,"end":2822.0198,"sentiment":"neutral","sentiment_score":-0.03002053312957287}],"sentiment":"neutral","sentiment_score":-0.03002053312957287,"channel":0,"num_words":1,"start":2821.5198,"end":2822.0198},{"sentences":[{"text":"So that amount, that's gonna be taxed 20% or something.","start":2822.91,"end":2827.25,"sentiment":"neutral","sentiment_score":-0.0805800162255764}],"sentiment":"neutral","sentiment_score":-0.0805800162255764,"channel":1,"num_words":10,"start":2822.91,"end":2827.25},{"sentences":[{"text":"It can be taxed up to 22%.","start":2827.44,"end":2830.0798,"sentiment":"neutral","sentiment_score":-0.053317279155765264},{"text":"So if you go through a claim, there's a weird little math equation that they use.","start":2830.0798,"end":2834.665,"sentiment":"neutral","sentiment_score":-0.030939782387576997},{"text":"They essentially look at your age you are at time of claim, when you are on a when you stopped working or when you were made disabled.","start":2834.665,"end":2841.165,"sentiment":"neutral","sentiment_score":-0.014986143757899603},{"text":"They subtract that from the age of 65.","start":2841.865,"end":2845.405,"sentiment":"neutral","sentiment_score":-0.0016921106725931163},{"text":"They also look at your tax free taxable components inside your super, and then they have what's called a relevant number.","start":2845.63,"end":2852.93,"sentiment":"neutral","sentiment_score":0.054114567736784615}],"sentiment":"neutral","sentiment_score":-0.0018989154007993166,"channel":0,"num_words":79,"start":2827.44,"end":2852.93},{"sentences":[{"text":"So to work that out, it's basically working on the eligible service date or the opens or the date you're super open.","start":2853.47,"end":2861.425,"sentiment":"neutral","sentiment_score":0.07635310969569466},{"text":"It just comes down to what they use at the time of claim.","start":2861.425,"end":2864.725,"sentiment":"neutral","sentiment_score":0.05677019862028269},{"text":"And that tells them how much tax should be paid.","start":2865.185,"end":2868.645,"sentiment":"neutral","sentiment_score":0.03530930131673813},{"text":"Most of the time, you don't get taxed at up to 22%.","start":2868.865,"end":2872.325,"sentiment":"neutral","sentiment_score":0.029667532498327393},{"text":"And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable.","start":2872.73,"end":2882.75,"sentiment":"neutral","sentiment_score":0.30294622345404193}],"sentiment":"neutral","sentiment_score":0.1458234419166628,"channel":0,"num_words":90,"start":2853.47,"end":2882.75},{"sentences":[{"text":"And the tax payable is also if you take it as an income stream as opposed to a lump sum can also reduce the tax payable on it because you're taking smaller amounts of money on a regular basis.","start":2883.45,"end":2895.085,"sentiment":"positive","sentiment_score":0.441134838721691},{"text":"And it means the money stays invested for you as well.","start":2895.7048,"end":2898.6648,"sentiment":"positive","sentiment_score":0.4749518091028387},{"text":"So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60.","start":2898.6648,"end":2909.94,"sentiment":"neutral","sentiment_score":0.15759160660388993},{"text":"Does that make 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a lot to it.","start":2914.32,"end":2915.6199,"sentiment":"neutral","sentiment_score":0.1228431984782219}],"sentiment":"neutral","sentiment_score":0.18675569279326332,"channel":0,"num_words":9,"start":2912.0,"end":2915.6199},{"sentences":[{"text":"No.","start":2916.52,"end":2916.76,"sentiment":"neutral","sentiment_score":-0.02380286157131195},{"text":"I guess.","start":2916.76,"end":2917.42,"sentiment":"neutral","sentiment_score":-0.006338544189929962},{"text":"Thank you.","start":2918.1848,"end":2919.005,"sentiment":"positive","sentiment_score":0.3355519324541092}],"sentiment":"neutral","sentiment_score":0.1269247829914093,"channel":1,"num_words":5,"start":2916.52,"end":2919.005},{"sentences":[{"text":"On the upside, if you did ever have the claim, you have us here.","start":2919.485,"end":2923.0051,"sentiment":"neutral","sentiment_score":0.23568321338721684},{"text":"We will take care of all of that.","start":2923.0051,"end":2924.445,"sentiment":"positive","sentiment_score":0.3973221406340599},{"text":"We'll provide advice, and we'll help you to structure it and do everything we can to minimize the tax effect for you.","start":2924.445,"end":2930.7651,"sentiment":"positive","sentiment_score":0.4043176147070798},{"text":"Okay?","start":2930.7651,"end":2931.2651,"sentiment":"neutral","sentiment_score":0.16209782660007477},{"text":"Yep.","start":2932.02,"end":2932.52,"sentiment":"neutral","sentiment_score":0.16601887345314026}],"sentiment":"positive","sentiment_score":0.3413314420891845,"channel":0,"num_words":46,"start":2919.485,"end":2932.52},{"sentences":[{"text":"All good.","start":2934.34,"end":2935.08,"sentiment":"positive","sentiment_score":0.37023231387138367},{"text":"I wholeheartedly disagree with the tax side of the TPD.","start":2935.54,"end":2938.76,"sentiment":"neutral","sentiment_score":-0.298193621635437},{"text":"I think if you're unable to work due to disablement, I don't think you should ever be taxed, but that is that is just my opinion over the governments, unfortunately.","start":2938.82,"end":2946.7449,"sentiment":"negative","sentiment_score":-0.34092512875795367}],"sentiment":"neutral","sentiment_score":-0.29688632027024314,"channel":0,"num_words":42,"start":2934.34,"end":2946.7449},{"sentences":[{"text":"Yeah.","start":2948.035,"end":2948.535,"sentiment":"neutral","sentiment_score":-0.038340091705322266}],"sentiment":"neutral","sentiment_score":-0.038340091705322266,"channel":1,"num_words":1,"start":2948.035,"end":2948.535},{"sentences":[{"text":"Yeah.","start":2949.125,"end":2949.625,"sentiment":"neutral","sentiment_score":-0.0004596635699272156},{"text":"So I'll go back.","start":2950.4849,"end":2951.6848,"sentiment":"neutral","sentiment_score":0.03981140535324812},{"text":"I'll have a look at the super.","start":2951.6848,"end":2953.045,"sentiment":"neutral","sentiment_score":0.13072926657540457},{"text":"I'll look at reviewing the investments within the super.","start":2953.045,"end":2955.605,"sentiment":"neutral","sentiment_score":0.17391076683998108},{"text":"I'll keep you in that kind of growth environment there.","start":2955.605,"end":2958.4248,"sentiment":"neutral","sentiment_score":0.25370375216007235}],"sentiment":"neutral","sentiment_score":0.16697178216230485,"channel":0,"num_words":31,"start":2949.125,"end":2958.4248},{"sentences":[{"text":"I'll look at this tax consequences of changing your portfolio as well to see what that looks like, make sure we're minimizing that for you.","start":2958.805,"end":2966.47,"sentiment":"neutral","sentiment_score":0.25331713020801544},{"text":"I'll get some quotes to the income protection and email them through to you.","start":2966.69,"end":2970.3098,"sentiment":"neutral","sentiment_score":0.245784658406462},{"text":"I'll send you an email after this call which recaps the things that we spoke about and went through.","start":2970.3699,"end":2975.325,"sentiment":"neutral","sentiment_score":0.2279584172524904},{"text":"If I have additional questions, I can always pop them in there, and I'll get you to send me a copy of your payslip, and I'll also get you to send me a copy of your home loan statement.","start":2975.645,"end":2984.525,"sentiment":"neutral","sentiment_score":0.1789773368419936},{"text":"And I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect.","start":2984.525,"end":2992.03,"sentiment":"neutral","sentiment_score":0.08656808656865153}],"sentiment":"neutral","sentiment_score":0.18726757180965728,"channel":0,"num_words":126,"start":2958.805,"end":2992.03},{"sentences":[{"text":"Does that sound okay?","start":2992.09,"end":2993.2102,"sentiment":"neutral","sentiment_score":0.08529266901314259},{"text":"Have I missed anything at all?","start":2993.2102,"end":2995.07,"sentiment":"neutral","sentiment_score":-0.055445769180854164}],"sentiment":"neutral","sentiment_score":0.0008496060967445373,"channel":0,"num_words":10,"start":2992.09,"end":2995.07},{"sentences":[{"text":"No.","start":2995.3699,"end":2995.77,"sentiment":"neutral","sentiment_score":-0.07622844725847244},{"text":"That's perfect.","start":2995.77,"end":2996.5898,"sentiment":"positive","sentiment_score":0.35726071894168854},{"text":"Yep.","start":2996.73,"end":2997.21,"sentiment":"neutral","sentiment_score":0.26339808106422424}],"sentiment":"neutral","sentiment_score":0.22542276792228222,"channel":1,"num_words":4,"start":2995.3699,"end":2997.21},{"sentences":[{"text":"That's","start":2997.05,"end":2997.37,"sentiment":"neutral","sentiment_score":0.2852098345756531}],"sentiment":"neutral","sentiment_score":0.2852098345756531,"channel":0,"num_words":1,"start":2997.05,"end":2997.37},{"sentences":[{"text":"Yep.","start":2997.21,"end":2997.71,"sentiment":"neutral","sentiment_score":0.17065733671188354}],"sentiment":"neutral","sentiment_score":0.17065733671188354,"channel":1,"num_words":1,"start":2997.21,"end":2997.71},{"sentences":[{"text":"okay?","start":2997.37,"end":2997.87,"sentiment":"neutral","sentiment_score":0.23905575275421145},{"text":"Perfect.","start":2998.4102,"end":2998.9102,"sentiment":"positive","sentiment_score":0.5941600799560547},{"text":"I'll start by sending you an email with a bit of a recap and those things, and then we can kinda go from there.","start":2999.6902,"end":3005.065,"sentiment":"neutral","sentiment_score":0.2765761675933997},{"text":"You'll then","start":3005.605,"end":3006.005,"sentiment":"neutral","sentiment_score":0.15240497887134552}],"sentiment":"neutral","sentiment_score":0.27770906473909107,"channel":0,"num_words":28,"start":2997.37,"end":3006.005},{"sentences":[{"text":"Yep.","start":3005.985,"end":3006.485,"sentiment":"neutral","sentiment_score":0.1299547255039215}],"sentiment":"neutral","sentiment_score":0.1299547255039215,"channel":1,"num_words":1,"start":3005.985,"end":3006.485},{"sentences":[{"text":"also have my contact, and you can email me any questions you have.","start":3006.005,"end":3009.605,"sentiment":"neutral","sentiment_score":0.1803249166562007},{"text":"I know sometimes questions come up out of the blue that you think, oh, I should have asked that.","start":3009.605,"end":3014.005,"sentiment":"neutral","sentiment_score":0.11050254498657427},{"text":"Just email them through to me.","start":3014.005,"end":3015.285,"sentiment":"neutral","sentiment_score":0.20996550967295965},{"text":"I'm happy to answer them.","start":3015.285,"end":3016.4849,"sentiment":"positive","sentiment_score":0.46974414587020874},{"text":"I work generally Monday to Thursday.","start":3016.4849,"end":3018.5999,"sentiment":"neutral","sentiment_score":0.1289633015791575}],"sentiment":"neutral","sentiment_score":0.180123793227332,"channel":0,"num_words":49,"start":3006.005,"end":3018.5999},{"sentences":[{"text":"I do take Friday off with my little son, but I'm here generally from 07:30 in the morning till about six, 07:00 at night, Monday to Thursday.","start":3018.5999,"end":3026.2,"sentiment":"neutral","sentiment_score":0.1186445129138452},{"text":"So I will always answer any questions at the earliest opportunity possible.","start":3026.2,"end":3030.22,"sentiment":"neutral","sentiment_score":0.1696536478896936},{"text":"Okay?","start":3030.3599,"end":3030.8599,"sentiment":"neutral","sentiment_score":0.11268171668052672}],"sentiment":"neutral","sentiment_score":0.13379818350076675,"channel":0,"num_words":40,"start":3018.5999,"end":3030.8599},{"sentences":[{"text":"No problem.","start":3031.4148,"end":3032.2148,"sentiment":"positive","sentiment_score":0.3365890681743622},{"text":"Thank 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all.","start":3034.355,"end":3035.555,"sentiment":"positive","sentiment_score":0.4449833184480667},{"text":"Is there anything else that kinda comes to mind or anything that you might wanna ask me while you've got","start":3035.555,"end":3040.035,"sentiment":"neutral","sentiment_score":0.1197047658264637}],"sentiment":"neutral","sentiment_score":0.19968469109800127,"channel":0,"num_words":27,"start":3033.715,"end":3040.035},{"sentences":[{"text":"No.","start":3039.96,"end":3040.46,"sentiment":"neutral","sentiment_score":-0.05986238270998001}],"sentiment":"neutral","sentiment_score":-0.05986238270998001,"channel":1,"num_words":1,"start":3039.96,"end":3040.46},{"sentences":[{"text":"me here as well?","start":3040.035,"end":3041.175,"sentiment":"neutral","sentiment_score":-0.04736275505274534}],"sentiment":"neutral","sentiment_score":-0.04736275505274534,"channel":0,"num_words":4,"start":3040.035,"end":3041.175},{"sentences":[{"text":"I'm good for now.","start":3041.96,"end":3042.84,"sentiment":"neutral","sentiment_score":0.1292943861335516}],"sentiment":"neutral","sentiment_score":0.1292943861335516,"channel":1,"num_words":4,"start":3041.96,"end":3042.84},{"sentences":[{"text":"No?","start":3042.595,"end":3043.095,"sentiment":"neutral","sentiment_score":0.013404261320829391}],"sentiment":"neutral","sentiment_score":0.013404261320829391,"channel":0,"num_words":1,"start":3042.595,"end":3043.095},{"sentences":[{"text":"Thanks.","start":3042.84,"end":3043.34,"sentiment":"neutral","sentiment_score":0.22342152893543243},{"text":"Yep.","start":3043.48,"end":3043.98,"sentiment":"neutral","sentiment_score":0.1700391173362732}],"sentiment":"neutral","sentiment_score":0.1967303231358528,"channel":1,"num_words":2,"start":3042.84,"end":3043.98},{"sentences":[{"text":"That's okay.","start":3044.12,"end":3044.84,"sentiment":"neutral","sentiment_score":0.29712316393852234},{"text":"We've touched on quite a lot, which is good.","start":3044.84,"end":3047.26,"sentiment":"positive","sentiment_score":0.39422207077344257}],"sentiment":"positive","sentiment_score":0.3765677240761844,"channel":0,"num_words":11,"start":3044.12,"end":3047.26},{"sentences":[{"text":"And so yeah.","start":3048.1199,"end":3049.1,"sentiment":"neutral","sentiment_score":0.22339524825414017},{"text":"All of that out of my mind.","start":3049.24,"end":3050.6,"sentiment":"neutral","sentiment_score":0.17950383680207388},{"text":"That's 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gotta","start":3052.3599,"end":3055.315,"sentiment":"neutral","sentiment_score":-0.0005464185184488697}],"sentiment":"neutral","sentiment_score":-0.0005464185184488697,"channel":1,"num_words":6,"start":3052.3599,"end":3055.315},{"sentences":[{"text":"That's","start":3055.24,"end":3055.56,"sentiment":"neutral","sentiment_score":0.018374575302004818}],"sentiment":"neutral","sentiment_score":0.018374575302004818,"channel":0,"num_words":1,"start":3055.24,"end":3055.56},{"sentences":[{"text":"jump","start":3055.315,"end":3055.815,"sentiment":"neutral","sentiment_score":0.058003589510917664}],"sentiment":"neutral","sentiment_score":0.058003589510917664,"channel":1,"num_words":1,"start":3055.315,"end":3055.815},{"sentences":[{"text":"okay.","start":3055.56,"end":3056.06,"sentiment":"neutral","sentiment_score":0.04522149637341499}],"sentiment":"neutral","sentiment_score":0.04522149637341499,"channel":0,"num_words":1,"start":3055.56,"end":3056.06},{"sentences":[{"text":"on","start":3056.892,"end":3057.392,"sentiment":"neutral","sentiment_score":0.02123994752764702}],"sentiment":"neutral","sentiment_score":0.02123994752764702,"channel":1,"num_words":1,"start":3056.892,"end":3057.392},{"sentences":[{"text":"Not a problem.","start":3057.465,"end":3058.3652,"sentiment":"neutral","sentiment_score":0.13320157925287882}],"sentiment":"neutral","sentiment_score":0.13320157925287882,"channel":0,"num_words":3,"start":3057.465,"end":3058.3652},{"sentences":[{"text":"now.","start":3058.4692,"end":3058.9692,"sentiment":"neutral","sentiment_score":0.16700273752212524}],"sentiment":"neutral","sentiment_score":0.16700273752212524,"channel":1,"num_words":1,"start":3058.4692,"end":3058.9692},{"sentences":[{"text":"All good.","start":3058.8252,"end":3059.385,"sentiment":"positive","sentiment_score":0.4027218520641327},{"text":"I will let you go.","start":3059.385,"end":3060.2651,"sentiment":"neutral","sentiment_score":0.33256289958953855}],"sentiment":"positive","sentiment_score":0.35260831458227976,"channel":0,"num_words":7,"start":3058.8252,"end":3060.2651},{"sentences":[{"text":"Get","start":3060.0464,"end":3060.5464,"sentiment":"neutral","sentiment_score":0.18342265486717224}],"sentiment":"neutral","sentiment_score":0.18342265486717224,"channel":1,"num_words":1,"start":3060.0464,"end":3060.5464},{"sentences":[{"text":"Thank you for taking my call.","start":3060.2651,"end":3061.625,"sentiment":"positive","sentiment_score":0.604889765381813}],"sentiment":"positive","sentiment_score":0.604889765381813,"channel":0,"num_words":6,"start":3060.2651,"end":3061.625},{"sentences":[{"text":"back","start":3061.6235,"end":3062.1235,"sentiment":"neutral","sentiment_score":0.2912227511405945}],"sentiment":"neutral","sentiment_score":0.2912227511405945,"channel":1,"num_words":1,"start":3061.6235,"end":3062.1235},{"sentences":[{"text":"I appreciate it.","start":3061.625,"end":3062.7651,"sentiment":"positive","sentiment_score":0.5426599383354187},{"text":"I'll send","start":3062.8252,"end":3063.225,"sentiment":"positive","sentiment_score":0.3470940589904785}],"sentiment":"positive","sentiment_score":0.4644335865974426,"channel":0,"num_words":5,"start":3061.625,"end":3063.225},{"sentences":[{"text":"on","start":3063.2007,"end":3063.7007,"sentiment":"positive","sentiment_score":0.3647184371948242}],"sentiment":"positive","sentiment_score":0.3647184371948242,"channel":1,"num_words":1,"start":3063.2007,"end":3063.7007},{"sentences":[{"text":"you an email, and we can kinda go","start":3063.225,"end":3064.8252,"sentiment":"neutral","sentiment_score":0.3246842585504055}],"sentiment":"neutral","sentiment_score":0.3246842585504055,"channel":0,"num_words":8,"start":3063.225,"end":3064.8252},{"sentences":[{"text":"with","start":3064.7778,"end":3065.2778,"sentiment":"positive","sentiment_score":0.37255167961120605}],"sentiment":"positive","sentiment_score":0.37255167961120605,"channel":1,"num_words":1,"start":3064.7778,"end":3065.2778},{"sentences":[{"text":"from there for you.","start":3064.8252,"end":3065.625,"sentiment":"positive","sentiment_score":0.40376927703619003},{"text":"Okay?","start":3065.625,"end":3066.125,"sentiment":"neutral","sentiment_score":0.29750344157218933}],"sentiment":"positive","sentiment_score":0.3825161099433899,"channel":0,"num_words":5,"start":3064.8252,"end":3066.125},{"sentences":[{"text":"awesome.","start":3066.5151,"end":3066.995,"sentiment":"positive","sentiment_score":0.6494039297103882},{"text":"Thanks, Dana.","start":3066.995,"end":3067.815,"sentiment":"positive","sentiment_score":0.6747861206531525},{"text":"Appreciate it.","start":3067.875,"end":3068.709,"sentiment":"positive","sentiment_score":0.6978365182876587}],"sentiment":"positive","sentiment_score":0.6789298415184021,"channel":1,"num_words":5,"start":3066.5151,"end":3068.709},{"sentences":[{"text":"My pleasure, Natalie.","start":3068.439,"end":3069.6392,"sentiment":"positive","sentiment_score":0.6909141143163046},{"text":"You have a lovely day.","start":3069.6392,"end":3071.019,"sentiment":"positive","sentiment_score":0.774372911453247}],"sentiment":"positive","sentiment_score":0.7430758625268936,"channel":0,"num_words":8,"start":3068.439,"end":3071.019},{"sentences":[{"text":"You too.","start":3071.269,"end":3071.909,"sentiment":"positive","sentiment_score":0.46097129583358765},{"text":"Thank you.","start":3071.909,"end":3072.649,"sentiment":"positive","sentiment_score":0.5417337119579315}],"sentiment":"positive","sentiment_score":0.5013525038957596,"channel":1,"num_words":4,"start":3071.269,"end":3072.649},{"sentences":[{"text":"Thanks.","start":3072.3591,"end":3072.8591,"sentiment":"positive","sentiment_score":0.47054505348205566},{"text":"See","start":3072.919,"end":3073.159,"sentiment":"neutral","sentiment_score":0.316470742225647}],"sentiment":"positive","sentiment_score":0.3935078978538513,"channel":0,"num_words":2,"start":3072.3591,"end":3073.159},{"sentences":[{"text":"Bye","start":3073.109,"end":3073.269,"sentiment":"neutral","sentiment_score":0.3172610402107239}],"sentiment":"neutral","sentiment_score":0.3172610402107239,"channel":1,"num_words":1,"start":3073.109,"end":3073.269},{"sentences":[{"text":"you later.","start":3073.159,"end":3073.719,"sentiment":"positive","sentiment_score":0.40584544837474823}],"sentiment":"positive","sentiment_score":0.40584544837474823,"channel":0,"num_words":2,"start":3073.159,"end":3073.719},{"sentences":[{"text":"bye.","start":3073.269,"end":3073.769,"sentiment":"neutral","sentiment_score":0.2078183889389038}],"sentiment":"neutral","sentiment_score":0.2078183889389038,"channel":1,"num_words":1,"start":3073.269,"end":3073.769},{"sentences":[{"text":"Bye.","start":3073.719,"end":3074.219,"sentiment":"neutral","sentiment_score":-0.0027274759486317635}],"sentiment":"neutral","sentiment_score":-0.0027274759486317635,"channel":0,"num_words":1,"start":3073.719,"end":3074.219}]},"summary":{"result":"success","short":"The representative from Oakview Financial explains to Natalie that their company records calls for quality and training purposes and can provide personalized returns on her portfolio. They emphasize the focus is on retirement and not the income or work of the customer. The agent emphasizes the retirement aspect and tailored advice towards retirement goals. They discuss the benefits of insurance coverage and the importance of updating income protection plans. The agent explains the coverage and benefits of insurance coverage, emphasizing the importance of considering tax consequences and the need for a life insurance benefit. The agent provides information on how to nominate a legal personal representative and set up a will with a solicitor. The agent will provide advice and provide income protection quotes and a quote."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yeah.","start_word":25,"end_word":48,"intents":[{"intent":"Schedule call","confidence_score":0.01360384}]},{"text":"And just to do security there with you as well, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file. Yeah.","start_word":91,"end_word":127,"intents":[{"intent":"Confirm information","confidence_score":0.26330572}]},{"text":"Well, it's good to hear. I know it has been extremely busy for you. I know you are very busy and probably still working today, so I'll try not to take up too much of your time. But I know you completed your annual review late last year with my colleagues, they mentioned that you had some questions. Wanted to maybe look at reviewing your super and reviewing your circumstances. Is that right? Yeah.","start_word":222,"end_word":295,"intents":[{"intent":"Review circumstances","confidence_score":0.03741204}]},{"text":"One of the main sort of differences with being within Netwealth or one of the adviser platforms that we tend to advise on is that we can give you more personalized returns on your portfolio, review things with you.","start_word":433,"end_word":471,"intents":[{"intent":"Personalized returns","confidence_score":0.002619851}]},{"text":"Another sort of advantage to what we do over the industry funds is that the industry funds have very much limited access to investments Because they have such large funds, they have to outsource to investment managers to be able to invest.","start_word":472,"end_word":513,"intents":[{"intent":"Outsource investment options","confidence_score":0.45977005}]},{"text":"We can turn our fees off and help you roll back.","start_word":665,"end_word":675,"intents":[{"intent":"Roll back fees","confidence_score":0.014353579}]},{"text":"So it is completely up to you, your personal preference, and certainly what you wanna achieve moving forward there as well. Yeah.","start_word":693,"end_word":714,"intents":[{"intent":"Acquire personal preference","confidence_score":0.0013833974}]},{"text":"With having a financial adviser and being one of our mutual clients, we wanna make sure you're getting value for it. So we do wanna do catch ups with you. We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services.","start_word":812,"end_word":866,"intents":[{"intent":"Provide assistance","confidence_score":0.0014622078}]},{"text":"We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services.","start_word":842,"end_word":866,"intents":[{"intent":"Review portfolios","confidence_score":0.36449262}]},{"text":"But one of my main sort of goals here is helping you work towards with your super work towards your retirement, so looking at what your retirement what you want it to look like, how we can help you to get there, keep you on track to do that, and review the portfolios, review your risk level, and just make sure you're invested correctly and that your investments remain working for you, if that makes sense. So Yeah.","start_word":935,"end_word":1012,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.037565507}]},{"text":"it's not really about how much you No. earn your income or what type of work, you know, industry you work in. It's got nothing to do with that. Definitely not.","start_word":1013,"end_word":1043,"intents":[{"intent":"Determine income","confidence_score":0.0018375517}]},{"text":"I mean, how much you're earning does have an impact on the contributions that you have going into your super fund.","start_word":1046,"end_word":1066,"intents":[{"intent":"Determine impact on investments","confidence_score":0.03639971}]},{"text":"you completed your annual review last year with my colleagues. Okay.","start_word":1370,"end_word":1380,"intents":[{"intent":"Discuss annual review","confidence_score":0.0002223789}]},{"text":"It takes me a little couple of weeks to put the research together because we are looking at the home loan versus versus putting the money So into is there super any and what that sort of entails. Yeah. is there any cost to doing this, like, fees now?","start_word":1872,"end_word":1920,"intents":[{"intent":"Analyze costs","confidence_score":0.000072413735}]},{"text":"is there any cost to doing this, like, fees now?","start_word":1911,"end_word":1920,"intents":[{"intent":"Discuss fees and charges","confidence_score":0.17376766},{"intent":"Discuss fee levels","confidence_score":0.0010288756}]},{"text":"So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path.","start_word":2008,"end_word":2032,"intents":[{"intent":"Explain annual review","confidence_score":0.0011944697}]},{"text":"So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path. But, essentially, as an ongoing client of Oakview Financial, you do actually receive additional advice with no extra charge.","start_word":2008,"end_word":2051,"intents":[{"intent":"Reflect on ongoing service","confidence_score":0.00061437476}]},{"text":"So when the market is doing better, when we are seeing greater performance, then our fee is gonna increase slightly. However, when the market does take a dip because we can't control what how markets react, Yeah. then it means that our fee does go down with it. So our fee is linked to to the market and to your super performance Okay.","start_word":2121,"end_word":2183,"intents":[{"intent":"Clarify fee varies","confidence_score":0.00018211089}]},{"text":"However, when the market does take a dip because we can't control what how markets react, Yeah.","start_word":2141,"end_word":2157,"intents":[{"intent":"Discuss how markets react","confidence_score":0.00023596815}]},{"text":"I'm not able to find that at the moment. I'm so sorry.","start_word":2216,"end_word":2227,"intents":[{"intent":"Acknowledge customer's interest","confidence_score":0.000002285001}]},{"text":"I'll just confirm whether that has been returned and signed or not.","start_word":2245,"end_word":2256,"intents":[{"intent":"Confirm return and sign","confidence_score":0.05532128}]},{"text":"Someone rang You think you up and yep. yeah. Yep. I'm pretty sure he followed up, and I've That's signed okay.","start_word":2292,"end_word":2312,"intents":[{"intent":"Follow up on a ticket","confidence_score":0.00011802687}]},{"text":"So if you decide at any point throughout the year that you don't want the advice, you don't want us to sort of manage things, you can just tell us to turn the fees off, and we can help you roll to wherever you want. You're by no means obligated to stay if you're not comfortable and not happy with the services we're Yeah.","start_word":2416,"end_word":2479,"intents":[{"intent":"Ensure correct management decision","confidence_score":7.5188416e-7}]},{"text":"I can safely tell you the age pension is still a thing. It is gonna be very prevalent over the next couple of years.","start_word":2618,"end_word":2641,"intents":[{"intent":"Informing about age pension","confidence_score":0.00008700582}]},{"text":"Let's have a look at what to do with the with the money you've inherited, whether paying down the mortgage is appropriate or whether putting in the super. Yeah.","start_word":3018,"end_word":3046,"intents":[{"intent":"Manage financial matters","confidence_score":0.0000055438113}]},{"text":"I'm trying to look for another job too That's with it.","start_word":3249,"end_word":3259,"intents":[{"intent":"Explore job opportunities","confidence_score":0.01742332}]},{"text":"Do you did you want me to maybe just get you to send me through a copy of a payslip after the call just to sort of reflect yeah. the income so we can have a look at that for you? Yeah.","start_word":3529,"end_word":3570,"intents":[{"intent":"Request payslip","confidence_score":0.2189014}]},{"text":"And when we look at income protection, they have what's called waiting periods. This is how long you have to be on a call or have to be off work before you can actually make a claim. Yeah.","start_word":3620,"end_word":3657,"intents":[{"intent":"Address concerns about waiting periods","confidence_score":0.0018590904}]},{"text":"Given your circumstances and any sort of sick or long service label, annually that you might have, do you feel like having a shorter waiting period, like, maybe thirty days might be more appropriate, or do you feel like having a longer waiting period might be fine to keep the cost lower for the income protection?","start_word":3658,"end_word":3713,"intents":[{"intent":"Evaluate options","confidence_score":0.000078869096}]},{"text":"And these can be changed, Kenneth, or Yeah. one Yeah.","start_word":3726,"end_word":3735,"intents":[{"intent":"Discuss potential changes to insurances","confidence_score":0.00002059278}]},{"text":"So your life and TPD covers through Neos insurance company.","start_word":3908,"end_word":3917,"intents":[{"intent":"Review coverage","confidence_score":0.042867042}]},{"text":"So your life and TPD covers through Neos insurance company. Yeah.","start_word":3908,"end_word":3918,"intents":[{"intent":"Apply for insurance cover","confidence_score":0.06872721},{"intent":"Monitor coverage","confidence_score":0.1456639},{"intent":"Apply for insurance","confidence_score":0.024139807}]},{"text":"If you had to make a claim, we help you make the claim. We get the paperwork, and we work with you to get the claim processed. So we try to do all the hard work for you to make it easier and be the middle person between yourself and the insurer. Okay.","start_word":4004,"end_word":4056,"intents":[{"intent":"Make claim","confidence_score":0.14129312}]},{"text":"I'll send you the bank statement, loan, Yep. and payslip, Perfect.","start_word":4080,"end_word":4090,"intents":[{"intent":"Send bank statement","confidence_score":0.29502073},{"intent":"Request loan and payslip","confidence_score":0.006679322}]},{"text":"I'll send you the bank statement, loan, Yep. and payslip, Perfect. and, yeah, if you can get back to me regarding those quotes with the Yeah.","start_word":4080,"end_word":4105,"intents":[{"intent":"Obtain quotes","confidence_score":0.0021119297}]},{"text":"think with with the waiting period, you said you were comfortable with a longer waiting period. How long would you be comfortable with? Do you think sixty days of the waiting would be comfortable, or are you comfortable to wait out for ninety days prior to making a claim? Yeah.","start_word":4122,"end_word":4171,"intents":[{"intent":"Explain waiting period","confidence_score":0.0022748548}]},{"text":"Would you like me to look at that for you and maybe provide a quote? Yeah.","start_word":4423,"end_word":4438,"intents":[{"intent":"Provide quote","confidence_score":0.20854467},{"intent":"Provide information","confidence_score":0.15521728}]},{"text":"So for the benefit period, it's how long you can be on a claim for if you're on an income protection claim. A two year benefit period means the claim period is shorter. So if you say, well, after your ninety days, you started your income protection claim, if you are off work for two years, then they'd be assessing whether you can go back to work at that time frame.","start_word":4512,"end_word":4582,"intents":[{"intent":"Evaluate claim duration","confidence_score":0.029608343}]},{"text":"me some information on all of that as well? Yeah.","start_word":4923,"end_word":4932,"intents":[{"intent":"Provide insurance information","confidence_score":0.0076259947}]},{"text":"want me to do a full review of your superannuation platform, maybe look at something else, look at different investment structures as well for you? Yeah. Okay.","start_word":5205,"end_word":5231,"intents":[{"intent":"Study superannuation platform and invest in different investment structures","confidence_score":8.801989e-7}]},{"text":"So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels.","start_word":5293,"end_word":5322,"intents":[{"intent":"Understand portfolio","confidence_score":0.5039092},{"intent":"Explain portfolio","confidence_score":0.00038486655},{"intent":"Inquire about portfolio values","confidence_score":0.00066304416},{"intent":"Clarify asset size","confidence_score":0.00007615141}]},{"text":"But just to sort of clarify, what age are you hoping to be able to stop working fully, retire, and maybe access your super?","start_word":5341,"end_word":5364,"intents":[{"intent":"Determine ability to retire","confidence_score":0.002511601},{"intent":"Determine investment age","confidence_score":0.00005951015},{"intent":"Ask about retirement years","confidence_score":0.000058098918},{"intent":"Ask about investment portfolio age","confidence_score":0.0003725476}]},{"text":"What's your goal age at the moment? don't 60.","start_word":5365,"end_word":5373,"intents":[{"intent":"Clarify goal age","confidence_score":0.282846}]},{"text":"Have you ever owned investment shares or anything outside of super in your own name in the past? No. Nope.","start_word":5403,"end_word":5422,"intents":[{"intent":"Clarify self-respect","confidence_score":2.3327357e-7},{"intent":"Ask about super wealth","confidence_score":0.00026854163}]},{"text":"If you looked at your super balance and found it had fallen, say, by 10 or 20% over the next twelve months due to what was happening in the world globally, and, notably, if something like that happened, it's gonna affect every super fund, not just yours.","start_word":5426,"end_word":5472,"intents":[{"intent":"Determine super balance","confidence_score":0.015446083},{"intent":"Clarify super balance","confidence_score":0.14695005},{"intent":"Ask about super balance","confidence_score":0.02952614}]},{"text":"But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel?","start_word":5473,"end_word":5508,"intents":[{"intent":"Ask about covid impact","confidence_score":0.09229474}]},{"text":"You maybe wanna put some more money in. Are you a bit concerned and maybe wanting to call us, or are you really anxious about it and maybe wanting to move your money to something more secure?","start_word":5521,"end_word":5557,"intents":[{"intent":"Express concern about money moving to more secure","confidence_score":0.000062828556}]},{"text":"Now having a look at things, you have scored there as more of a moderate investor. So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment. So sorry.","start_word":5818,"end_word":5863,"intents":[{"intent":"Assess portfolio options","confidence_score":0.028942132}]},{"text":"The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis.","start_word":6016,"end_word":6053,"intents":[{"intent":"Discuss portfolio","confidence_score":0.16343614},{"intent":"Access super","confidence_score":0.043056834},{"intent":"Access super","confidence_score":0.019804783}]},{"text":"Do you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level?","start_word":6053,"end_word":6095,"intents":[{"intent":"Reduce risk level","confidence_score":0.08594837}]},{"text":"So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super.","start_word":6290,"end_word":6332,"intents":[{"intent":"Review portfolio","confidence_score":0.1671171},{"intent":"Review portfolio","confidence_score":0.22408397}]},{"text":"I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help you. Yeah.","start_word":6428,"end_word":6479,"intents":[{"intent":"Find better investment","confidence_score":0.00062813016}]},{"text":"I am gonna move that, the BANELONG Australian Equities investment out of there.","start_word":6484,"end_word":6496,"intents":[{"intent":"Move investment","confidence_score":0.024409665}]},{"text":"It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong.","start_word":6670,"end_word":6688,"intents":[{"intent":"Reevaluate portfolio","confidence_score":0.0010650395}]},{"text":"Did you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance? Does that make sense? Yes.","start_word":6803,"end_word":6832,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.1927205}]},{"text":"I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there. If you have questions around those quotes, please do let me know. I'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well. Okay?","start_word":7076,"end_word":7142,"intents":[{"intent":"Discuss","confidence_score":0.24400076},{"intent":"Discuss","confidence_score":0.0004155045}]},{"text":"If you have questions around those quotes, please do let me know.","start_word":7106,"end_word":7117,"intents":[{"intent":"Discuss quotes","confidence_score":0.18463431}]},{"text":"The other thing I have here, Natalie, is your licensed PPD cover. So that is with Neos as we kinda went through before. You're currently covered for 03/7500 with the information I have here in front of me. Now are you thinking about the level of cover if you were to prematurely pass away?","start_word":7142,"end_word":7195,"intents":[{"intent":"Cover","confidence_score":0.64707994}]},{"text":"So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries. But what would you want that to cover, and who would you want it to be paid to?","start_word":7235,"end_word":7272,"intents":[{"intent":"Provide","confidence_score":0.079058856}]},{"text":"Do you know what I mean? I want Absolutely. it for you. Yeah.","start_word":7347,"end_word":7359,"intents":[{"intent":"Understand","confidence_score":0.05822982}]},{"text":"So that's Perfect. it. That's with that money sitting in there, the redraw.","start_word":7441,"end_word":7453,"intents":[{"intent":"Provide information about redrawing","confidence_score":0.063542426}]},{"text":"That's with that money sitting in there, the redraw.","start_word":7445,"end_word":7453,"intents":[{"intent":"Inform about redrawing","confidence_score":0.011642999}]},{"text":"Now with your daughter, you may have mentioned that she is to your ex partner. How old is your daughter?","start_word":7538,"end_word":7557,"intents":[{"intent":"Mention parental consent","confidence_score":0.0000101780415}]},{"text":"So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well.","start_word":7593,"end_word":7632,"intents":[{"intent":"Suggest protection for children","confidence_score":0.00016582465},{"intent":"Explain reasons for delay","confidence_score":0.000039223607},{"intent":"Explain purpose of decision","confidence_score":0.00004181471}]},{"text":"So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary.","start_word":7633,"end_word":7673,"intents":[{"intent":"Provide instructions for handling of children","confidence_score":6.0768497e-7},{"intent":"Propose elimination of beneficiaries","confidence_score":0.000026750313}]},{"text":"So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary. But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child.","start_word":7633,"end_word":7700,"intents":[{"intent":"Explain benefits for children","confidence_score":0.0045140153}]},{"text":"So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate.","start_word":7725,"end_word":7760,"intents":[{"intent":"Propose future considerations","confidence_score":0.00077512587}]},{"text":"And then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner. It can be somebody else's sister, your mom, or your best friend. Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to Okay.","start_word":7762,"end_word":7840,"intents":[{"intent":"Set up trusts","confidence_score":0.8021724}]},{"text":"After the call, I can send you through some information on a local solicitor.","start_word":7925,"end_word":7938,"intents":[{"intent":"Send information","confidence_score":0.024732275}]},{"text":"And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up correctly. Yeah.","start_word":8092,"end_word":8127,"intents":[{"intent":"Ensure correct timing","confidence_score":0.0000016396123}]},{"text":"What I would suggest is once you've done your will, if you could give us a copy of that, and let us know who the executor is. Because Yeah.","start_word":8220,"end_word":8248,"intents":[{"intent":"Verify documents","confidence_score":0.0014357164}]},{"text":"However, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money. Does that make sense?","start_word":8489,"end_word":8536,"intents":[{"intent":"Make a claim","confidence_score":0.12921306},{"intent":"Provide advice on structuring the claim","confidence_score":0.23690781}]},{"text":"At the moment, your TBD sum insured is the same as the life amount, the 327,000. Do you feel like that's a comfortable amount to be covered for? Did you wanna look at changing that at all?","start_word":8539,"end_word":8575,"intents":[{"intent":"Change policy","confidence_score":0.11532518}]},{"text":"So just to kind of recap, I'm gonna go back. You're happy with the insurances you have there with your life and TBD. We're gonna look at some income protection. I'll get some quotes for you. I'll look at the ninety day waiting yeah. Ninety day waiting period. I'll get Yeah.","start_word":8632,"end_word":8682,"intents":[{"intent":"Recap the conversation","confidence_score":0.002979518}]},{"text":"So that amount, that's gonna be taxed 20% or something. It can be taxed up to 22%. So if you go through a claim, there's a weird little math equation that they use.","start_word":8696,"end_word":8728,"intents":[{"intent":"Calculate the tax consequences","confidence_score":0.0011986567}]},{"text":"And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable.","start_word":8843,"end_word":8875,"intents":[{"intent":"Address tax liability","confidence_score":0.0011118301}]},{"text":"So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60. Does that make sense? Yeah.","start_word":8925,"end_word":8970,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.09365221}]},{"text":"I'll look at reviewing the investments within the super.","start_word":9087,"end_word":9095,"intents":[{"intent":"Review investments","confidence_score":0.14360918}]},{"text":"I'll get some quotes to the income protection and email them through to you.","start_word":9131,"end_word":9144,"intents":[{"intent":"Send emails with quotes","confidence_score":0.030115124}]},{"text":"And I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect. Does that sound okay?","start_word":9204,"end_word":9236,"intents":[{"intent":"Update advice","confidence_score":0.30697584}]}]},"sentiments":{"segments":[{"text":"Hello. Natalie speaking. Hi, Natalie. It's Dana from Oakview Financial. How are you today? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.14621634781360626},{"text":"Good. Thanks. How are you? I'm very well. Thank you.","start_word":15,"end_word":24,"sentiment":"positive","sentiment_score":0.5137109756469727},{"text":"I had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yeah. Yeah. Today's good. Yep. No. That's absolutely fine. Natalie, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay for us to proceed with that? Yes. Thanks.","start_word":25,"end_word":89,"sentiment":"neutral","sentiment_score":0.16508841514587402},{"text":"Beautiful.","start_word":90,"end_word":90,"sentiment":"positive","sentiment_score":0.4318798184394837},{"text":"And just to do security there with you as well, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. So you need that? Yes, please. Yeah. Yeah. Sorry. Natalie Louise Reynolds. Number Yep. 6, Ballet Present, Sunbury, Victoria 3429. 03/09/1977.","start_word":91,"end_word":148,"sentiment":"neutral","sentiment_score":0.07325977832078934},{"text":"Lovely. Thank you so much for that. How's everything been going for you?","start_word":149,"end_word":161,"sentiment":"positive","sentiment_score":0.457649827003479},{"text":"How's the start of the New Year? Yep. Yeah. Good. Just Is yeah. he? Back into it now. Work picked up and yeah. Yep. I was always busy where what I'm doing. But Yeah. yeah. No. Good. It's going yeah. Yeah. Good. I'm going now. So Yep. it's gone. But yeah. Alright. No. Basic good and stuff. But yeah. Fantastic. Well, it's good to hear. I know it has been extremely busy for you. I know you are very busy and probably still working today, so I'll try not to take up too much of your time. But I know you completed your annual review late last year with my colleagues, they mentioned that you had some questions. Wanted to maybe look at reviewing your super and reviewing your circumstances. Is that right? Yeah. Look. I was looking to maybe changing. I'll just raise the thought to Australian Super. Just one of my family, you know, mentioned it to me that they're really good, and I just don't know how all that works. Like, does Mhmm. it Yep. work about your does it work on, you know, your own employment? Or yeah. No idea how that yeah. No. That's okay. So the main sort of difference with the Australian is that and I can have a look at what they have been reporting as the returns on their per portfolios. But, essentially, returns are individual. When you do look at what the portfolios in in the industry funds are reporting, they are giving you a gross reporting on their website. It could be very different to what you are getting internally. One of the main sort of differences with being within Netwealth or one of the adviser platforms that we tend to advise on is that we can give you more personalized returns on your portfolio, review things with you. Another sort of advantage to what we do over the industry funds is that the industry funds have very much limited access to investments Because they have such large funds, they have to outsource to investment managers to be able to invest. They do have a limited amount of investment options to be able to choose from. So it does sort of limit what you're able to invest in if there's something that sort of suits yourself or something you wanted to look at. Whereas with our with us and looking at these portfolios like Netwealth, Hub24, and those sort of things, we get access to thousands of different investment options. So we can build portfolios that are working for you, but we can also look at individual cases. And if there's something that interests you or you wanna see your money invested in, we can always alter portfolios to reflect that for you as well. But at the at the end of the day, like, if you're not comfortable staying on board, you would like to go back to an industry super fund, that is absolutely fine.","start_word":162,"end_word":659,"sentiment":"neutral","sentiment_score":0.08764221161663771},{"text":"You just let us know. We can turn our fees off and help you roll back. There is no problem with that whatsoever. And you're never locked into any contracts with us either. So it is completely up to you, your personal preference, and certainly what you wanna achieve moving forward there as well.","start_word":660,"end_word":713,"sentiment":"positive","sentiment_score":0.488623559474945},{"text":"Yeah. Yeah. Okay. Yeah. But, yeah, I just don't know. So being with you guys and so, really, it purely depends on your my purchase. Is that Yeah. right? Correct.","start_word":714,"end_word":743,"sentiment":"neutral","sentiment_score":0.05783960471550623},{"text":"Definitely.","start_word":744,"end_word":744,"sentiment":"positive","sentiment_score":0.5083747506141663},{"text":"Yeah. If you just wanted to be in a low cost fund where no one's really sort of reviewing the portfolio where it just sort of sits is in, like, a default fund and it just look at it every so often when you're comfortable sort of looking at things, you can absolutely, you know, be in an industry fund.","start_word":745,"end_word":804,"sentiment":"neutral","sentiment_score":0.3149813115596771},{"text":"There is nothing wrong with that whatsoever. With having a financial adviser and being one of our mutual clients, we wanna make sure you're getting value for it. So we do wanna do catch ups with you. We do need to do annual reviews to review the portfolios, review the structure, review your goals, and keep you on track with our services.","start_word":805,"end_word":866,"sentiment":"positive","sentiment_score":0.5199522376060486},{"text":"It's also not just about super. It's about looking towards your retirement and any other goals that you might have as well. So we can give you access to mortgage brokers if you were looking to, you know, alter or change your mortgage structure or, you know, buy a new property or something like that. We can look at and provide additional advice around investing outside of super.","start_word":867,"end_word":934,"sentiment":"neutral","sentiment_score":0.2771255075931549},{"text":"But one of my main sort of goals here is helping you work towards with your super work towards your retirement, so looking at what your retirement what you want it to look like, how we can help you to get there, keep you on track to do that, and review the portfolios, review your risk level, and just make sure you're invested correctly and that your investments remain working for you, if that makes sense.","start_word":935,"end_word":1010,"sentiment":"positive","sentiment_score":0.4565950930118561},{"text":"So Yeah. it's not really about how much you No. earn your income or what type of work, you know, industry you work in. It's got nothing to do with that. Definitely not. No. No. I mean, how much you're earning does have an impact on the contributions that you have going into your super fund. Yes. But, you know, at the end of the day, the retirement aspect, I've got clients who are on very little incomes who are putting more money into super and making it work harder for them. I've got clients with higher incomes who are not putting in as much, and they might not be getting as bigger return. No. The other thing that's considered is the returns definitely make a difference as your balance increases too. So if you think about your balance, as it gets bigger, smaller changes to the market fluctuations have a much bigger impact. If you look at maybe a 5% return on someone with $50,000, 5% isn't a great deal more. However, someone with 500,000 getting the same 5% return, there's a much larger difference there. Yes. Yes. And and, like, our advice doesn't end at the point that you retire. When you get to retirement, you wanna start drawing money out. We provide advice on how to structure that withdrawal. We have access in different structures. So if you're wanting to access Centrelink and you might not, you know, be eligible, we can also change the structures of your super to be able to try and maximize Centrelink eligibility whilst drawing down out of super, gives you longevity. So we just sort of tailor the advice towards your goals and what you're Okay. after, which is more of a personal sort of scenario because no one's goals are ever exactly the same. Everyone has different needs and wants. So Yeah. Okay. yeah. Alright. That is Yeah. one question. Yeah. But, yeah, what was were you calling also about a a review or just Well, you're right. was that You yeah. was that done? And then I had some questions and that's what's escalated. Yeah. Mhmm. So Yes. you completed your annual review last year with my colleagues. Okay. I believe it might have been Samantha. And, yeah, Yeah. out of that, she mentioned that you had some questions mostly about whether to stay with us and what our services entail. So Yeah. kind Now of yeah. like the I last just question you sort of just asked. yeah. It's Yeah. been a little while. So I just wanted to make sure. That's Yeah. okay.","start_word":1011,"end_word":1446,"sentiment":"neutral","sentiment_score":0.03654335165789368},{"text":"That's good.","start_word":1447,"end_word":1448,"sentiment":"positive","sentiment_score":0.48084354400634766},{"text":"That was Samantha. Yes. Yeah. That's okay. Okay. Now my next question now I was just come into some inheritance. Mhmm. Okay. I don't know whether to put it into my super or do I put it on my house mortgage? Mhmm. What's your thoughts on something like that? Like, it's it's not a large and, like, huge amount, but it's something. Yeah. I don't know. Yeah. Like, which No. way to which way to do it? Yeah. No. Absolutely. I think one of the things we wanna look at with is what is your medium term goals? What are you hoping to achieve? Is super your main priority at the moment or is paying down your mortgage? If I have a look here, I've got down here from your annual review late last year. You noted that paying your house down was one of the bigger priorities that you had sort of in the medium term. Does that still sound Yeah. like Yeah. something Yeah. that's important?","start_word":1449,"end_word":1616,"sentiment":"neutral","sentiment_score":-0.0003751457358400027},{"text":"Pretty nice.","start_word":1617,"end_word":1618,"sentiment":"positive","sentiment_score":0.510326087474823},{"text":"Yep. Yep. Yeah. Having a look I'm so But, sorry. obviously, I want my super to grow too because Yeah. if I'd want to access my super to pay off my house, Mhmm. you know, whatever I can put into it now, yeah, great. But maybe this lump sum, will it help grow my super more? So at time of retirement, Yep. you know, I might have that extra because of that lump sum. Yeah. You know? Yeah. Absolutely. If you like, what I could do for you, Natalie, is I could go back and look at the advice. I could provide a personal advice document which decides or tells you whether we think you should put the money into your mortgage or into your super and the long term effect that that might have for you. Did you want me to update some advice to Yeah. help you out there? Yep.","start_word":1619,"end_word":1770,"sentiment":"neutral","sentiment_score":0.10106641799211502},{"text":"Per perfect.","start_word":1771,"end_word":1772,"sentiment":"positive","sentiment_score":0.3550930917263031},{"text":"Not a problem at all. After the call, am I able to grab a copy of your most recent home loan statement? I just sort of need to see the information on how much you owe, what your interest rate is, your your minimum rate payments, and things like that on the home loan statement. If I send you an email after the call, can you email me a copy of one of those? Yeah. I could. Just just I don't know if it'll be today, but Yep. as soon That's as okay. I can. Yep.","start_word":1773,"end_word":1868,"sentiment":"neutral","sentiment_score":0.09043886124466856},{"text":"That's absolutely fine.","start_word":1869,"end_word":1871,"sentiment":"positive","sentiment_score":0.5859355926513672},{"text":"It takes me a little couple of weeks to put the research together because we are looking at the home loan versus versus putting the money So into is there super any and what that sort of entails. Yeah. is there any cost to doing this, like, fees now? No. Because I'm talking about this. Yeah. Because No. that's my Not main concern too. Like, I don't wanna, yep. you know, come at retirement age and, you know, like you're saying, other super funds, you know, they might have not have all these overheads and these reviews. Obviously, there's I don't know. Is there, like, I don't want it to Yep. all go in fees and charges. Do you know what I'm saying? Like Yeah. Absolutely. yeah.","start_word":1872,"end_word":1998,"sentiment":"neutral","sentiment_score":-0.07043091207742691},{"text":"And that's a really good point to bring up.","start_word":1999,"end_word":2007,"sentiment":"positive","sentiment_score":0.45467397570610046},{"text":"So, essentially, with the annual review, I'm just having a quick look because I don't I'm not sure if you returned your annual review path. But, essentially, as an ongoing client of Oakview Financial, you do actually receive additional advice with no extra charge. And, essentially, all you're doing is being an ongoing service client. You do pay us an ongoing service fee every year. It is 1.65% per annum. That is deducted in smaller monthly increments. So our fee is deducted out of your super in smaller monthly amounts, and the idea of a percentage fee is that it fluctuates with the market. It is linked to the performance of your super. So when the market is doing better, when we are seeing greater performance, then our fee is gonna increase slightly. However, when the market does take a dip because we can't control what how markets react, Yeah. then it means that our fee does go down with it. So our fee is linked to to the market and to your super performance Okay. as well. It does sort of mean that we do ask that you do return the annual review pack. I will double check after the call to see if it has been. I'm not able to find that at the moment. I'm so sorry. Yeah. Another ticket. But I'll I'll I'll obviously go back and I'll just try to the email. I'll just confirm whether that has been returned and signed or not. But it's all we ask because after the annual review, you do return the pack there, sign the ongoing service agreement for us, and we do I think apply I that did. to the account. Someone rang You think you up and yep. yeah. Yep. I'm pretty sure he followed up, and I've That's signed okay. it. And then Perfect. I didn't hear I'm not sure. Yeah. Didn't hear nothing. I don't think. That's okay. I can double check that for you. But it's important to note that by returning that pack and paying your ongoing service fee, it does entitle you to additional advice there, which is there's no implementation fees or no charges for additional advice Okay. currently. Obviously, things could change down the the track there, but this is all inclusive at the moment. So we just wanna make sure we're working harder for you. And there's no locking contract in any way, shape, or form. So if you decide at any point throughout the year that you don't want the advice, you don't want us to sort of manage things, you can just tell us to turn the fees off, and we can help you roll to wherever you want. You're by no means obligated to stay if you're not comfortable and not happy with the services we're Yeah. providing. No. I'm just Yeah. yeah. Family member mentioned it to me, Yeah. and they're super you know, this one is one of my brothers. Yep. And, yeah, he's like, you know, why don't you change it over to they're really good and Yeah. like, oh, okay. Yeah. Like, I was just oh, you know, I'll go I'm pretty happy, but I just don't have Yeah.","start_word":2008,"end_word":2545,"sentiment":"neutral","sentiment_score":0.05895827876725909},{"text":"all these fees and that, like, I don't wanna lose money at the end yet because I don't even Of course.","start_word":2546,"end_word":2566,"sentiment":"negative","sentiment_score":-0.3652975559234619},{"text":"know I've been hearing at my when I do get to retirement age, there's not even gonna be pensions around. Apparently, they stop at 60 Yeah. when when you're born after 69. You mean, like, That's the what age I've been pension? yeah. Yeah. Yeah. No. It is still a thing. I can safely tell you the age pension is still a thing. It is gonna be very prevalent over the next couple of years. We do have a lot of the baby boomers about to retire, so we do have a lot of people with a very low super balance about to enter retirement.","start_word":2567,"end_word":2671,"sentiment":"neutral","sentiment_score":-0.10803727805614471},{"text":"And it is gonna cost taxpayers a lot of money over the next sort of ten years or so, but the age pension with Centrelink and with the government is still a thing.","start_word":2672,"end_word":2704,"sentiment":"negative","sentiment_score":-0.4059088826179504},{"text":"It is still funded by tax payers. They're not Okay. in any way, shape, or form at this point in time removing that. However, I'm 41, and I'm personally not banking on there being much in the way they change eligible to me. I think down the track in, you know, twenty or thirty years, they are gonna have to restructure the way it does work, but we are always gonna have to have some sort of backup, That's what some I was sort thinking. of government Yeah. incentive. Like, Absolutely. everyone's Yeah. gonna become homeless. Like, you know, Yeah. I don't know how I've heard this, and I'm like, what? Really? No. That's okay. You can always if you're hearing anything like this that is concerning, please let me know. After the call, I'll email you. That way, Yep. you do have my direct email. You're welcome to ask me questions. Part of our services is if you're unsure, you think of something that you might wanna ask, you can email me, call me. I'll book in a time to do a catch up with you and see how things are traveling. If you Yeah. hear something that's concerning, give me a buzz. Let me know. If I'm not sure, I'll go and find out and and return an email or give you a call and have a chat to you about it. So Alright.","start_word":2705,"end_word":2940,"sentiment":"neutral","sentiment_score":-0.059123659222307855},{"text":"you can definitely use our services for other aspects or just for a bit of a catch up here and there if you need to as well.","start_word":2941,"end_word":2967,"sentiment":"positive","sentiment_score":0.49128907918930054},{"text":"But it just Yeah.","start_word":2968,"end_word":2971,"sentiment":"neutral","sentiment_score":0.22378818690776825},{"text":"comes down to your your your comfort level as well.","start_word":2972,"end_word":2981,"sentiment":"positive","sentiment_score":0.38731449842453},{"text":"I don't ever want you to feel like you're being forced to stay here. You definitely do not have to. But I do would like to maybe go back and do some updated advice for you. Let's have a look at what to do with the with the money you've inherited, whether paying down the mortgage is appropriate or whether putting in the super. Yeah. The advice we provide as well, I'll provide the recommendations to you. We'll go through those together so you can see what I'm recommending, the advantages, the disadvantages, and the risks involved, and then you get to decide whether you take those recommendations. Yeah. That You sounds can good. decide Yeah. to take all, some, or none of them so ever. It's all, you know, up to you and how you feel and, yeah, your comfort Yeah. level. Okay. Yeah. Okay. Also, I still wanna look into that income protection. Yeah. Yeah. I know some time ago you sent me some quotes. Can you please resend them again? Yes. Yeah. Sure. Quote's not a problem at all. I will may just go back and update those because the quotes generally only last for about thirty days from the Yep. insurers, but that's Yeah. okay. It won't take as much to update those and send them through. Just to confirm there, Natalie, your income I have is 65,900 per annum. Is that right? I think it's increased a little bit. Gotta double Yep. check it, to tell you the truth. Yeah. Not much, but No. yeah. It's yeah. Where I am, it's yeah. I'm trying to look for another job too That's with it. the higher income, Okay.","start_word":2982,"end_word":3263,"sentiment":"neutral","sentiment_score":0.10922790980560984},{"text":"Yep. But I just enjoy what I do and, you know, you get into it and get comfortable, yeah, with the people Yeah. and Absolutely. but, yeah, I should be really with the experience that I've had and what I'm doing.","start_word":3264,"end_word":3304,"sentiment":"positive","sentiment_score":0.4936363101005554},{"text":"I don't think they pay enough, and it's always the case, and I don't think they're gonna budge.","start_word":3305,"end_word":3322,"sentiment":"negative","sentiment_score":-0.4423424005508423},{"text":"Yeah. So Wow. Because you work in your industry's debt collections from what I can see, but you're a hardship support officer. Is that right? Yeah. So, you know, Yeah. you hear a lot of calls. Absolutely. Mental your own mental health. People wanna kill themselves, and you gotta really Oh, dig, delete the calls and wow. raise, you know, welfare checks and then notify the clients within this time frame. And, oh my god. Yep. You know, it's quite on your own mental health. It's yeah. And what Yeah. they That's pay is peanuts really to what we have to listen to sometimes. Absolutely. And not even just that. Just people's medical conditions and how they're living and yeah. Sometimes it really it yeah. Puts it just yeah. Yeah. I don't know how to say it, but No. Of it course. it it it affects you. Yeah? Like, you just reflect on the call sometimes, you know, like, shit. How Yep. do these people gonna be alright? But then again, Yeah. you don't know how true it is either. Yep. You know what I Definitely. mean? Definitely. But you can't, yeah, you can't discriminate in that way at all whatsoever. So Yeah. No. Absolutely. Do you did you want me to maybe just get you to send me through a copy of a payslip after the call just to sort of reflect yeah. the income so we can have a look at that for you? Yeah. Yep. No worries. I'll grab Yep. that too.","start_word":3323,"end_word":3577,"sentiment":"neutral","sentiment_score":-0.05929285346292982},{"text":"Perfect. Yep. Easy.","start_word":3578,"end_word":3580,"sentiment":"positive","sentiment_score":0.4581342935562134},{"text":"Not a problem at all. Now with income protection, not sure if we've kinda gone through before, but you can be covered for up to 70% of your current income if you're off work due to illness or injury. And when we look at income protection, they have what's called waiting periods. This is how long you have to be on a call or have to be off work before you can actually make a claim. Yeah. Given your circumstances and any sort of sick or long service label, annually that you might have, do you feel like having a shorter waiting period, like, maybe thirty days might be more appropriate, or do you feel like having a longer waiting period might be fine to keep the cost lower for the income protection? What's your thoughts there? Yeah. Probably the second one Yep. for now. And these can be changed, Kenneth, or Yeah. one Yeah. Definitely. We will review them every year as part of your annual review process. yeah. And if you want us to increase, decrease, alter the insurances, we can absolutely help you with that. It's not a problem at all. Yeah. So is that direct through you guys? As in sorry. Where are you from again? We're we're OQ Financial. So I see. we're the financial Yeah. advisers. Yep. So is it the income protection through you guys So we or we through help you apply for it, but it's applied for through insurance companies. So, like, Neos, yeah. MetLife, Zurich, OnePath. But we, essentially, as the financial advisers, go through the application process with you. We're the intermediaries. We make the recommendations and show you all the bits and pieces, and Okay. Alright. we help you to apply. Yeah. And is that hap is that what's happened with my life insurance? That's correct. Yeah. Yeah. So you've Okay. got I'm your just trying to understand that's okay. It's it.","start_word":3581,"end_word":3904,"sentiment":"neutral","sentiment_score":0.05972836226408864},{"text":"absolutely Yeah.","start_word":3905,"end_word":3906,"sentiment":"positive","sentiment_score":0.36443281173706055},{"text":"fine. So your life and TPD covers through Neos insurance company. Yeah. Essentially, what would have happened is we would have done the application with you. We go into the portal and monitor everything. So we help you apply for the cover. We're the advisers on the cover. We get notified of any changes to it. We help you review it. We essentially look after and do everything. It's just that the insurance is actually applied for through the insurance company. But we monitor it. We do everything to help you alter it. We are the intermediary. If you had to make a claim, we help you make the claim. We get the paperwork, and we work with you to get the claim processed. So we try to do all the hard work for you to make it easier and be the middle person between yourself and the insurer. Okay. Okay. Yep. Yeah. Okay. Now Yeah. I get it. That's Alright. okay. Yeah. If you can do that, send Yeah. me that email. I'll send you the bank statement, loan, Yep. and payslip, Perfect. and, yeah, if you can get back to me regarding those quotes with the Yeah. hire Yep. the longer period, sorry, for now. No Yeah. worries. That'll Do be you good. think with with the waiting period, you said you were comfortable with a longer waiting period. How long would you be comfortable with? Do you think sixty days of the waiting would be comfortable, or are you comfortable to wait out for ninety days prior to making a claim? Yeah. I mean, whatever the longest period is. The longest? Yep. Yep. Yeah. Not a problem at all. And with the other thing with income protection is there's a benefit period. It's how long you can be on a claim for. It's really hard because we never know if we're gonna be off work or what the future's gonna hold. Yeah.","start_word":3907,"end_word":4231,"sentiment":"neutral","sentiment_score":0.08329249173402786},{"text":"But the longer the benefit period, the more expensive the premiums are.","start_word":4232,"end_word":4243,"sentiment":"negative","sentiment_score":-0.3536730408668518},{"text":"You can have the lowest, which is two years, and that essentially means that if you're off work on a claim at the two year mark, if you still can't go back to work, then the claim stops regardless. So you've gotta find other ways to fund your income or go back to work.","start_word":4244,"end_word":4297,"sentiment":"neutral","sentiment_score":-0.03561428189277649},{"text":"You can have five years, which is generally a happy medium, being on a claim for up to five years.","start_word":4298,"end_word":4317,"sentiment":"positive","sentiment_score":0.4521544575691223},{"text":"Most claims are done within a two year period. However, there might be a risk, especially if you're more of an administration worker and works in the office a lot, that then you might be back at work one, two, or three days a week. So getting part from work or and a partial claim.","start_word":4318,"end_word":4372,"sentiment":"neutral","sentiment_score":-0.16043008863925934},{"text":"So having a five year benefit period can be kind of a happy medium at lower cost. You're not paying for the all the way up to $8.65 for a benefit period, but it also kinda gives you a little bit of extra protection over that two year time frame.","start_word":4373,"end_word":4422,"sentiment":"positive","sentiment_score":0.4992779195308686},{"text":"Would you like me to look at that for you and maybe provide a quote? Yeah. Yeah. Yeah? So that yeah. Okay.","start_word":4423,"end_word":4444,"sentiment":"neutral","sentiment_score":0.23377551138401031},{"text":"That's okay.","start_word":4445,"end_word":4446,"sentiment":"positive","sentiment_score":0.33659762144088745},{"text":"If you want me to break it down more, if you have questions, please ask. There is no such thing as a silly question, so ask anything that you're So thinking. what is that again? The five year? So I'm paying Yeah. more for premium. What wouldn't I be paying less? I mean, I don't No. know. That's what Yeah. That's a really good question. So for the benefit period, it's how long you can be on a claim for if you're on an income protection claim. A two year benefit period means the claim period is shorter. So if you say, well, after your ninety days, you started your income protection claim, if you are off work for two years, then they'd be assessing whether you can go back to work at that time frame. If for that two if you had a two year benefit period on your income protection policy and at two years, you can't still go back to work, you're still off work and injured or ill, regardless of whether you can go back or not, that benefit stops. With a five year benefit period, you're extending it, so you can be on a income protection claim for up to five years. Most claims are completed within two years. However, there is a short component where the claim the person may have injured themselves or maybe they're off work for longer than two years. That five years doesn't make the the income protection premium more expensive because you're covering yourself for a longer time frame. But there are instances where, say, if you're off work for that two years, something's happened to you. You've broken an arm or a leg or a back or something, and you might be able to go back to work part time. So you may be on a partial claim, which is working Yeah. a couple of days a week plus getting some money from the claim. But it does cost more to have a longer benefit period because you are trying to cover yourself Yeah. for a longer time frame. Does that make sense? Yeah. Yeah. Yeah. Yeah. And how how quick can you claim? Well Like I mean, like, let's say now, Yeah. you know, Mhmm. something let's say, I don't want it to happen, but something happens. Yeah. How does that work? So with the waiting period, that's how long you have to be off work before you can make a claim. So if you're taking a longer waiting period, it means that you would have to be off work for ninety days prior to you being able to submit the claim to the insurer, and then it generally takes another thirty days for the claim to be completely processed and the first payment to be made. Okay. Yeah. Can you send Yeah. me some information on all of that as well? Yeah.","start_word":4447,"end_word":4932,"sentiment":"neutral","sentiment_score":-0.005123993734457365},{"text":"Absolutely. Perfect. I can take care of that.","start_word":4933,"end_word":4940,"sentiment":"positive","sentiment_score":0.6538582444190979},{"text":"Not an issue at all. And I can look at a ninety day waiting period and a two and a five year benefit period and show you Yes. the difference in what the premium cost might look like. Yes, Yep. please. Yes. Yep.","start_word":4941,"end_word":4983,"sentiment":"neutral","sentiment_score":0.1087786135978477},{"text":"Beautiful.","start_word":4984,"end_word":4984,"sentiment":"positive","sentiment_score":0.6659759283065796},{"text":"The other thing to sort of look at is I'm just sort of had a bit of a look at your super and the statements and things. If you wanted because we are looking at what to do with the the money you have as the inheritance. And, sorry, just to clarify, how much do you have how much did you receive as inheritance? Yeah. So I did receive a 100, but yeah. I've yeah. I had to buy a car and Okay. yeah. Okay. So I've got about $30. Okay. I paid out some stuff. So Yep. yeah. So about 30,000 Yep. that you're able to to do something with? Yeah. Let's just say 20 Yep. 5 to now just in case 20 if I wanna 5 thousand? yeah. Yep. Leaves you a buffer of 5,000.","start_word":4985,"end_word":5121,"sentiment":"neutral","sentiment_score":0.020220883190631863},{"text":"Beautiful.","start_word":5122,"end_word":5122,"sentiment":"positive","sentiment_score":0.4372947216033935},{"text":"Yeah. And I have here so I'm just gonna alter that information there.","start_word":5123,"end_word":5135,"sentiment":"neutral","sentiment_score":0.11825157701969148},{"text":"Beautiful.","start_word":5136,"end_word":5136,"sentiment":"positive","sentiment_score":0.4649948477745056},{"text":"And with your super there, I can see that you are in Netwealth at the moment. But whilst we are reviewing what to do with that extra sort of 25,000, we could also be maybe reviewing your super as well, looking to see if, you know, Netwealth still suits you or if there's a cheaper product out there that might provide greater benefit to you. Did you Yes. want me to do a full review of your superannuation platform, maybe look at something else, look at different investment structures as well for you? Yeah. Okay. Yeah.","start_word":5137,"end_word":5232,"sentiment":"neutral","sentiment_score":0.09928353875875472},{"text":"Perfect.","start_word":5233,"end_word":5233,"sentiment":"positive","sentiment_score":0.4211638867855072},{"text":"Yeah.","start_word":5234,"end_word":5234,"sentiment":"neutral","sentiment_score":0.3069559335708618},{"text":"Lovely.","start_word":5235,"end_word":5235,"sentiment":"positive","sentiment_score":0.4841185808181762},{"text":"I can see having a look at one of your underlying investments, your Australian equities portion there. One of your underlying investments along Australian equities is underperforming a little bit as well, so I do wanna try and remove that out. One of the things I wanted to sort of double check was your risk tolerance. So we do a couple of questions that kinda helps us to understand what kind of portfolio you should be in and how tolerant you are of certain risk levels. I've probably done one of these a couple of times with me in the past there. Yeah. I Mhmm. But just to sort of clarify, what age are you hoping to be able to stop working fully, retire, and maybe access your super? What's your goal age at the moment? don't 60. know. Like, yeah, it all depends on paying this mortgage while, you know, Yeah. late sixties, you know, mid Late sixties, sixties? mid Yep. to late. Yep.","start_word":5236,"end_word":5400,"sentiment":"neutral","sentiment_score":-0.01197500896894119},{"text":"Perfect. Lovely.","start_word":5401,"end_word":5402,"sentiment":"positive","sentiment_score":0.4631550908088684},{"text":"Have you ever owned investment shares or anything outside of super in your own name in the past? No. Nope. That's okay. Beautiful. If you looked at your super balance and found it had fallen, say, by 10 or 20% over the next twelve months due to what was happening in the world globally, and, notably, if something like that happened, it's gonna affect every super fund, not just yours. But if we did see something happen, say, COVID came back again or the markets dropped heavily due to what was occurring in the world globally, how do you think that might be making you feel? Are you okay with it knowing you've got a longer time horizon? You maybe wanna put some more money in. Are you a bit concerned and maybe wanting to call us, or are you really anxious about it and maybe wanting to move your money to something more secure? How do you think that might make you feel? Probably the one prior to this one, you're at this point. Yep. Yep. So probably call us. Yeah. Yeah. Yeah. Beautiful. Lovely. And do you think it would still make you a bit concerned, do you think? Yeah. It does. It Obviously does? yeah. Yep. Yep. Beautiful. All good. And when you think about your super and you think about the kind of returns that you're hoping to achieve or how fast you're wanting the super to sort of grow, do you feel like you're comfortable taking on a higher level of risk to get those greater returns? Do you think you'd be more comfortable with a moderate or medium amount of risk to get the best returns you possibly can, or are you feeling like you don't wanna take any risk in the market knowing the returns are lower because of that? Probably the second one. The second one.","start_word":5403,"end_word":5716,"sentiment":"neutral","sentiment_score":-0.03664405903408962},{"text":"Beautiful. Excellent. Lovely.","start_word":5717,"end_word":5719,"sentiment":"positive","sentiment_score":0.7701308131217957},{"text":"And when we think about borrowing money, I can see you borrowed for your main primary residence. Have you ever thought about borrowing for anything else, or is it just your your main home that you wanted to borrow for? What do you mean? Borrow So borrow money from a a bank or a financial institution. Have you ever thought about doing it for an investment property or to invest yeah. No. in I'm not really anything? No. No. yeah. I'm not in that capacity. Yeah. Yeah. No. That's okay. That's not a Yeah. problem at all.","start_word":5720,"end_word":5816,"sentiment":"neutral","sentiment_score":-0.022406719624996185},{"text":"Lovely.","start_word":5817,"end_word":5817,"sentiment":"positive","sentiment_score":0.37680619955062866},{"text":"Now having a look at things, you have scored there as more of a moderate investor. So to kinda sort of see how that fits for yourself is and I'm just having a look at what sort of portfolio you're in at the moment. So sorry. Okay. So as a more moderate investor, we generally would see you taking on a bit more of a lower amount of risk in the market, but that also means you would be expecting sort of lower rates of return. So we'd normally see roundabout, say, six the 70 60 to 70% of your super invest in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. Commodities are both growth investments. They get good returns over longer term, but they're also defensive in nature. So when markets aren't doing so well, people tend to utilize alternative assets as a bit of a defensive safe haven. Gold is one of those, if it makes sense. With the portfolio you're in at the moment, you see that 80% of your super invested in those growth assets. So it is designed to get greater potential returns. The current portfolio you're in suits someone who's not gonna access a super for at least six years, and the expected returns would be averaging that we're hoping for about seven to 9% compounded on a yearly basis. Do you feel like you'd be comfortable staying where you are for a bit longer trying to get greater returns, or are you wanting to maybe you feel a bit concerned about where things are going and wanna maybe reduce your risk level? If you're not sure, you can tell me. Sorry. What was that? If I'm If not you're sure not if you're not sure, let me know, and we can kinda talk it through in a bit more detail. yeah. At the moment, I look I'm alright where I am. Yeah. It's doing Yeah. has gone up. Mhmm. But, yeah, I wouldn't mind, like, you know, something a little bit more, you know, less. Mhmm. Then again, you know, you want to return. Yeah. I mean, the growth portfolio you're in at the moment, you're not you're not in the highest. So our portfolios generally start with, like, the aggressive plus, aggressive, then high growth, then growth. So you are realistically in that kind of medium area. You're not taking on the highest level of risk, but you still kind of are trying to get the greater returns. Because of your age, I mean, you do have a bit a fair bit of time ahead of you before you can access your super because, realistically, the earliest we can under the current legislation is the age of 60 if we stop working and fully retire. So you do have time on your side to be able to stay in that sort of environment for a little bit longer, have us review it on a yearly basis, and keep kinda reducing things as you get close to accessing Super. I, by no means, would want you to be in that kind of growth environment right up until the day you retire. So we sort of, once you're about six years out, start to kind of reduce your risk level down a bit. So you are Yes. kind of reducing it as you get closer to retiring. Does that make sense? Yeah. Yeah. Yeah. It does. Yeah. Yeah. Alright. Yeah. That's Yes. okay. Did you want me to look at the growth of portfolio for a bit longer and maybe see what we can do? I could maybe alter some things with the with the investments to see if I can get, you know, something that's maybe performed a little bit better in the past, something that might provide greater benefit in the future, and maybe just look at what it can do to help you. Yeah. Okay. Yep. Yep.","start_word":5818,"end_word":6482,"sentiment":"neutral","sentiment_score":0.04170059293116394},{"text":"Beautiful.","start_word":6483,"end_word":6483,"sentiment":"positive","sentiment_score":0.4621977210044861},{"text":"I am gonna move that, the BANELONG Australian Equities investment out of there.","start_word":6484,"end_word":6496,"sentiment":"neutral","sentiment_score":0.039563145488500595},{"text":"It has been sort of underperforming in your portfolio. I can see it is down a little bit, and that is because of what's been happening inside that investment.","start_word":6497,"end_word":6525,"sentiment":"negative","sentiment_score":-0.42713648080825806},{"text":"The investment managers haven't really been, you know, doing what they need to in saying that you can never tell what's happening. Investments do react differently. He's When I remove that out, there's two not different weak. He sorry? said He was us? Your the investment we're gonna remove is Benelon Australian Equities. It's essentially an actively managed investment manager that is their job is to be buying and selling and looking at companies that have shown great growth over the last couple of years, but value and can provide greater growth moving forward.","start_word":6526,"end_word":6619,"sentiment":"neutral","sentiment_score":-0.09242664277553558},{"text":"They, at the end of late last year, had a bit of an issue, and they're not. They haven't really been able to change or make any alterations. And one of their underlying investments actually was a bit dishonest to to investors into the market. So that has come out.","start_word":6620,"end_word":6669,"sentiment":"negative","sentiment_score":-0.43703606724739075},{"text":"It meant that Bennelong had to reevaluate that portion of their investments, which meant everyone else has reevaluated Bennelong.","start_word":6670,"end_word":6688,"sentiment":"neutral","sentiment_score":-0.3332604467868805},{"text":"So I wanna remove that out of your portfolio because they've had issues with their underlying investments, and it's underperforming in your portfolio at the moment.","start_word":6689,"end_word":6714,"sentiment":"negative","sentiment_score":-0.3710839450359345},{"text":"So we do wanna move that out. I could look at replacing that. So the idea of having Benelon in your portfolio was to give you a little bit of active management. So they're supposed to be buying and selling to make sure that they're trying to outperform the market. But as you can sort of see, they've underperformed, so they can't they don't always outperform the market. And you tend to pay a higher management fee for having active managers or active investment managers in your portfolio. Did you want me to replace it with something that's maybe more passive, might be cheaper in management fees, but still giving you good performance? Does that make sense? Yes. Yes. Yeah. Yep.","start_word":6715,"end_word":6835,"sentiment":"neutral","sentiment_score":0.050409223915131626},{"text":"Perfect.","start_word":6836,"end_word":6836,"sentiment":"positive","sentiment_score":0.5398179888725281},{"text":"Please let me know if you need me to kinda delve deeper. Just wanna make sure that you're going that you're comfortable understanding everything I do say. And if you're not, please let me know. As I mentioned, there's no no silly questions. I'm here to help, and you're welcome to ask me anything you like. Okay? Yeah. No problem.","start_word":6837,"end_word":6896,"sentiment":"neutral","sentiment_score":0.18486754596233368},{"text":"Thanks.","start_word":6897,"end_word":6897,"sentiment":"positive","sentiment_score":0.38880687952041626},{"text":"Yep.","start_word":6898,"end_word":6898,"sentiment":"neutral","sentiment_score":0.3027228116989136},{"text":"Beautiful. That's okay.","start_word":6899,"end_word":6901,"sentiment":"positive","sentiment_score":0.5114924907684326},{"text":"So I can look at something a bit more low cost that's maybe provided a greater level of return, might provide a bit more in the future, but also maybe lower the fees a little bit for you. Yeah. Does that sound okay? Yeah? Yep.","start_word":6902,"end_word":6946,"sentiment":"neutral","sentiment_score":0.2768363356590271},{"text":"Perfect.","start_word":6947,"end_word":6947,"sentiment":"positive","sentiment_score":0.4631998538970947},{"text":"I'll look at Netwealth as a platform, but also the other platforms out there to see what's gonna provide, what's gonna be better for you. It is really important when you when we do look at investments inside your super fund, when we are changing investments, that we do consider the tax component. Because believe it or not, just like you do your tax return every year, your super fund also does a tax return every year. So they pay income tax and capital gains tax on changes on investments as well. So I will, as part of the research, go back and double check what the tax consequences look like so we can try to minimize those for you as well. Okay? Yeah.","start_word":6948,"end_word":7071,"sentiment":"neutral","sentiment_score":0.13548116385936737},{"text":"Beautiful. Beautiful. Lovely.","start_word":7072,"end_word":7074,"sentiment":"positive","sentiment_score":0.7030045390129089},{"text":"I'll also get some income protection quotes out to you via email as soon as I can just so you can have a bit of a look at the differences there. If you have questions around those quotes, please do let me know.","start_word":7075,"end_word":7117,"sentiment":"neutral","sentiment_score":0.17062006890773773},{"text":"I'm more than happy to talk you through it, answer any questions, and we can always look at alternative options there as well.","start_word":7118,"end_word":7140,"sentiment":"positive","sentiment_score":0.4665384590625763},{"text":"Okay? The other thing I have here, Natalie, is your licensed PPD cover. So that is with Neos as we kinda went through before. You're currently covered for 03/7500 with the information I have here in front of me. Now are you thinking about the level of cover if you were to prematurely pass away? I'm touching, Wilk, because I don't want anything to happen to you.","start_word":7141,"end_word":7207,"sentiment":"neutral","sentiment_score":-0.049291323870420456},{"text":"I want you to enjoy your life, get to retirement, and have a full happy retirement.","start_word":7208,"end_word":7223,"sentiment":"positive","sentiment_score":0.36683595180511475},{"text":"If you were to maybe pass away, what's important to you? So your life cover would be paid out and your super benefit can also be paid out to your beneficiaries. But what would you want that to cover, and who would you want it to be paid to? So my house and Yeah. Cover the mortgage. Yeah. yep. And, yeah, to my daughter. But, yeah, that's Yep. enough whole thing. Because I need to do it for Yep. Will and stuff. I'm in a you know, we're separated, but, yeah, Okay. he's he's Yep. his daughter, Yep. and she's got his name. I just don't want him. If anything happens to me, he walks in here. Thanks. It all. Yeah. Thanks. Yeah. Do you know what I mean? I want Absolutely. it for you. Yeah. Yeah. Yeah. Yep. No. I completely understand where you're going with that. Now if I look at the total benefit based on the information I have here at the moment, the estimated benefit life insurance paid out plus your super balance would provide an estimated benefit of about $496,062. So given your current mortgage that I have here, which is showing, sorry, 312,000, is that about right is that roughly the right estimate on your mortgage? Yeah. Yeah. It is. Yep.","start_word":7224,"end_word":7440,"sentiment":"neutral","sentiment_score":-0.02610084041953087},{"text":"So that's Perfect. it.","start_word":7441,"end_word":7444,"sentiment":"positive","sentiment_score":0.6000313758850098},{"text":"That's with that money sitting in there, the redraw. Yep. Yep. Yeah. So there's an extra 30,000 sitting in the redraw. Is that right? Yeah. Yep. So I'll add the extra 30,000 on there. Sorry. Sorry. Sorry. Won't be a second. I'm just doing some quick math here for you. Yes. So we'll start with that. We'll take away the 312, and then we'll take away an extra, say, 30,000 there as well.","start_word":7445,"end_word":7517,"sentiment":"neutral","sentiment_score":0.053644079715013504},{"text":"Beautiful.","start_word":7518,"end_word":7518,"sentiment":"positive","sentiment_score":0.6249626874923706},{"text":"And that leaves you with roughly about a 154,000, which you wanted to have paid out to your daughter. Now with your daughter, you may have mentioned that she is to your ex partner. How old is your daughter? Is she over Yeah. 18, over 25? Is she technically a financial dependent? No. So she's only 10. That's what I'm saying. Yeah. Okay.","start_word":7519,"end_word":7581,"sentiment":"neutral","sentiment_score":0.010753975249826908},{"text":"She's Perfect.","start_word":7582,"end_word":7583,"sentiment":"positive","sentiment_score":0.473238468170166},{"text":"at Yep. So one of the really the yeah. So one of the really big things to consider and I can understand where you're coming from because I was separated, and I had to set my will up to protect my children to my my ex husband as well. So when you sort of think about passing away prematurely to your children and passing on to your children who are under the age of 18 or are financial tax dependent, you can nominate them under the Sysact as a beneficiary. But if you think about how that's gonna be paid out so if you were to pass away, the benefit doesn't go directly to the minor child. It goes to the guardian. And depending on state law, the guardian could be your ex partner, which means that he would get access. So what we could definitely do is we could nominate on your super and your life cover your legal personal representative, which means that if you were to pass away, the benefit goes to your estate. And then having a will drawn up with a solicitor, inside that will, you can then set up discretionary trusts, testamentary trusts, and you can have set up directions with the trust on you know, it doesn't have to be your ex partner. It can be somebody else's sister, your mom, or your best friend. Someone else is your executor who has control of that trust and leave directions on how you want money to be distributed to Okay. your 10 year old daughter. That way, you've leave much more control around what happens to your assets and your estate. Does that make sense? Yeah. Yeah. So Yeah. I already someone that I wanted Yep. to be. So how does that do I yeah. So yeah. Do I That's right. do Yep. we speak at this further or Yep. I mean So what we would need to do is we can, as part of the advice, factor in the estate planning side of things. After the call, I can send you through some information on a local solicitor. So we don't draft a will for you. It has to be done by a licensed lawyer or solicitor. We can send you through some information on the solicitor that we use. It has a bit of a costing on what it costs to do up a will and a bit of information around trusts for you. I can send that through to you shortly so you have that information there. And you could either give them a quick call to book in a time to go through it, or we can refer you. Or if you have another solicitor you're comfortable utilizing, you can absolutely go through them, but you just have to have a will drawn up properly by a local or by a solicitor to make sure that it's, you know, a little bit more it's you've got a bit more control around things, that they are done up correctly. And having it done by a solicitor tends to make it less you can all family members can always go and contest, but it makes it harder to contest when it is done up correctly. Yeah. Okay. Yeah. So I need to give you guys that name of the estate. I need to provide that to you guys then. No. No. No. No. That's okay. So your everything goes into your estate normally on on passing. If we just nominate legal personal representative on your super and your insurances, On death, everything goes automatically to your estate. As part of your will, you just need to name an executor who is going to look after the estate and take care of any trust that you do set up. What I would suggest is once you've done your will, if you could give us a copy of that, and let us know who the executor is. Because Yeah. on passing, we will need to be able to speak to your executor to help them finalize the claim and have everything moved in. Yeah. I Yeah. yeah. Yep. I yep.","start_word":7584,"end_word":8279,"sentiment":"neutral","sentiment_score":0.06946700708619478},{"text":"Perfect. Cool. Does that help?","start_word":8280,"end_word":8284,"sentiment":"positive","sentiment_score":0.4748772382736206},{"text":"It's the other thing. Yeah. Yeah. But yeah. Okay. It's Yep.","start_word":8285,"end_word":8295,"sentiment":"neutral","sentiment_score":0.11544305831193924},{"text":"good to yep.","start_word":8296,"end_word":8298,"sentiment":"positive","sentiment_score":0.44582000374794006},{"text":"I will break down a bit of an email after the call which goes through what we discussed, what you sort of explained you wanted there, what we're looking at, just to kinda break it down for you. Because I know it is a lot. It can be quite in-depth, and then you can always come back with questions. Does that sound okay? I'll do a bit of a recap on the email for you as well. Yes. Yeah. Yeah. Let's see. Yep.","start_word":8299,"end_word":8381,"sentiment":"neutral","sentiment_score":0.158406063914299},{"text":"Perfect. All good.","start_word":8382,"end_word":8384,"sentiment":"positive","sentiment_score":0.5527335405349731},{"text":"With the TBD cover, so TBD or total permanent disability pays out, it can be either a lump sum benefit or an income stream in the event that you're permanently incapacitated. So sorry.","start_word":8385,"end_word":8417,"sentiment":"neutral","sentiment_score":0.0875876322388649},{"text":"I've got the hiccups. I do apologize.","start_word":8418,"end_word":8424,"sentiment":"negative","sentiment_score":-0.4353359639644623},{"text":"TBD, just so you're aware, Natalie, is actually a taxable payment.","start_word":8425,"end_word":8435,"sentiment":"neutral","sentiment_score":-0.253532737493515},{"text":"So if you are TBD'd on a successful claim and you're under the age of 60, and I wholeheartedly disagree with this, but, unfortunately, TBD is taxed, and it can be up to 22%. So it means the amount you're covered for is not exactly likely to be the amount you get.","start_word":8436,"end_word":8487,"sentiment":"negative","sentiment_score":-0.3842680752277374},{"text":"However, if you were to make a claim, because we take care of the claim for you, we will also provide advice on how to structure the claim, what we can do to minimize the tax consequences so you get more of that money. Does that make sense? Mhmm. Yeah. Yeah. At the moment, your TBD sum insured is the same as the life amount, the 327,000. Do you feel like that's a comfortable amount to be covered for? Did you wanna look at changing that at all? No. Just leave it. Yep. And if you claim on TBD under the conditions of release of super, we can also claim permanent incapacity on your super and have that released as well. Okay? Okay. Yep.","start_word":8488,"end_word":8611,"sentiment":"neutral","sentiment_score":0.07625296711921692},{"text":"Perfect.","start_word":8612,"end_word":8612,"sentiment":"positive","sentiment_score":0.38663315773010254},{"text":"Do you have any questions about that at all? You're welcome to You know. It's okay. Yeah. Yep.","start_word":8613,"end_word":8630,"sentiment":"neutral","sentiment_score":0.2152749300003052},{"text":"Perfect.","start_word":8631,"end_word":8631,"sentiment":"positive","sentiment_score":0.3908400535583496},{"text":"So just to kind of recap, I'm gonna go back.","start_word":8632,"end_word":8641,"sentiment":"neutral","sentiment_score":0.15230457484722135},{"text":"You're happy with the insurances you have there with your life and TBD.","start_word":8642,"end_word":8654,"sentiment":"positive","sentiment_score":0.38720569014549255},{"text":"We're gonna look at some income protection. I'll get some quotes for you. I'll look at the ninety day waiting yeah. Ninety day waiting period. I'll get Yeah. sorry. Thank You're at you. PPG or whatever it is. yep. Sorry. Yep. So that amount, that's gonna be taxed 20% or something. It can be taxed up to 22%. So if you go through a claim, there's a weird little math equation that they use. They essentially look at your age you are at time of claim, when you are on a when you stopped working or when you were made disabled. They subtract that from the age of 65. They also look at your tax free taxable components inside your super, and then they have what's called a relevant number. So to work that out, it's basically working on the eligible service date or the opens or the date you're super open. It just comes down to what they use at the time of claim. And that tells them how much tax should be paid. Most of the time, you don't get taxed at up to 22%. And us as financial advisers, if we do the claim for you, there's sneaky little things that we can do all completely within the law that help us to minimize that tax payable.","start_word":8655,"end_word":8874,"sentiment":"neutral","sentiment_score":0.07293739337474107},{"text":"And the tax payable is also if you take it as an income stream as opposed to a lump sum can also reduce the tax payable on it because you're taking smaller amounts of money on a regular basis. And it means the money stays invested for you as well.","start_word":8875,"end_word":8924,"sentiment":"positive","sentiment_score":0.4501402676105499},{"text":"So, there are definitely things we can do, but, yeah, we do have to be open and tell you that the tax could be up to 22% if in the event of a claim, if you're under the age of 60. Does that make sense? Yeah. Yeah. Yep. Yep.","start_word":8925,"end_word":8973,"sentiment":"neutral","sentiment_score":0.14784440398216248},{"text":"Perfect.","start_word":8974,"end_word":8974,"sentiment":"positive","sentiment_score":0.4671769440174103},{"text":"Sorry. There's a lot to it. No. I guess. Thank you. On the upside, if you did ever have the claim, you have us here.","start_word":8975,"end_word":8999,"sentiment":"neutral","sentiment_score":0.18186600506305697},{"text":"We will take care of all of that. We'll provide advice, and we'll help you to structure it and do everything we can to minimize the tax effect for you.","start_word":9000,"end_word":9029,"sentiment":"positive","sentiment_score":0.3981069326400757},{"text":"Okay? Yep.","start_word":9030,"end_word":9031,"sentiment":"neutral","sentiment_score":0.16445045173168182},{"text":"All good.","start_word":9032,"end_word":9033,"sentiment":"positive","sentiment_score":0.35677558183670044},{"text":"I wholeheartedly disagree with the tax side of the TPD.","start_word":9034,"end_word":9043,"sentiment":"neutral","sentiment_score":-0.2780945599079132},{"text":"I think if you're unable to work due to disablement, I don't think you should ever be taxed, but that is that is just my opinion over the governments, unfortunately.","start_word":9044,"end_word":9073,"sentiment":"negative","sentiment_score":-0.3428981602191925},{"text":"Yeah. Yeah. So I'll go back. I'll have a look at the super. I'll look at reviewing the investments within the super. I'll keep you in that kind of growth environment there. I'll look at this tax consequences of changing your portfolio as well to see what that looks like, make sure we're minimizing that for you. I'll get some quotes to the income protection and email them through to you. I'll send you an email after this call which recaps the things that we spoke about and went through. If I have additional questions, I can always pop them in there, and I'll get you to send me a copy of your payslip, and I'll also get you to send me a copy of your home loan statement. And I can look at whether we put that 25,000 on your home loan or whether we put it into super, and we can update that advice to reflect. Does that sound okay? Have I missed anything at all? No.","start_word":9074,"end_word":9242,"sentiment":"neutral","sentiment_score":0.16750780453343364},{"text":"That's perfect.","start_word":9243,"end_word":9244,"sentiment":"positive","sentiment_score":0.35108837485313416},{"text":"Yep. That's Yep. okay?","start_word":9245,"end_word":9248,"sentiment":"neutral","sentiment_score":0.2396279275417328},{"text":"Perfect.","start_word":9249,"end_word":9249,"sentiment":"positive","sentiment_score":0.5941600799560547},{"text":"I'll start by sending you an email with a bit of a recap and those things, and then we can kinda go from there. You'll then Yep. also have my contact, and you can email me any questions you have. I know sometimes questions come up out of the blue that you think, oh, I should have asked that. Just email them through to me.","start_word":9250,"end_word":9314,"sentiment":"neutral","sentiment_score":0.1965174674987793},{"text":"I'm happy to answer them.","start_word":9315,"end_word":9319,"sentiment":"positive","sentiment_score":0.4608488082885742},{"text":"I work generally Monday to Thursday. I do take Friday off with my little son, but I'm here generally from 07:30 in the morning till about six, 07:00 at night, Monday to Thursday. So I will always answer any questions at the earliest opportunity possible. Okay?","start_word":9320,"end_word":9365,"sentiment":"neutral","sentiment_score":0.13243836164474487},{"text":"No problem. Thank you. Thanks, That's Dana.","start_word":9366,"end_word":9372,"sentiment":"positive","sentiment_score":0.4577344059944153},{"text":"okay.","start_word":9373,"end_word":9373,"sentiment":"neutral","sentiment_score":0.32749143242836},{"text":"That's not a problem at all.","start_word":9374,"end_word":9379,"sentiment":"positive","sentiment_score":0.4394991993904114},{"text":"Is there anything else that kinda comes to mind or anything that you might wanna ask me while you've got No. me here as well? I'm good for now. No? Thanks. Yep. That's okay.","start_word":9380,"end_word":9413,"sentiment":"neutral","sentiment_score":0.11801645159721376},{"text":"We've touched on quite a lot, which is good.","start_word":9414,"end_word":9422,"sentiment":"positive","sentiment_score":0.3908582627773285},{"text":"And so yeah. All of that out of my mind. That's why Yeah. I Perfect. needed rescheduling, but, yeah, I gotta That's jump okay. on Not a problem. now.","start_word":9423,"end_word":9451,"sentiment":"neutral","sentiment_score":0.08982495218515396},{"text":"All good. I will let you go. Get Thank you for taking my call. back I appreciate it. I'll send on you an email, and we can kinda go with from there for you.","start_word":9452,"end_word":9485,"sentiment":"positive","sentiment_score":0.4039986729621887},{"text":"Okay?","start_word":9486,"end_word":9486,"sentiment":"neutral","sentiment_score":0.29750344157218933},{"text":"awesome. Thanks, Dana. Appreciate it. My pleasure, Natalie. You have a lovely day. You too. Thank you. Thanks. See Bye you later.","start_word":9487,"end_word":9508,"sentiment":"positive","sentiment_score":0.6104658246040344},{"text":"bye. Bye.","start_word":9509,"end_word":9510,"sentiment":"neutral","sentiment_score":0.19075894355773929}],"average":{"sentiment":"neutral","sentiment_score":0.06330708568881017}}}}