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Yeah. Yeah. It it did ring once, and then it went straight through the voice mail. Yeah. Oh, yeah. No. That's okay. You sound like you're a little bit unwell. Is everything okay? Oh, yeah. Yeah. Yeah. Understandable. Well, thank you so much for calling back, Colleen. As mentioned, my name is Dana. I'm one of the financial advisers here. I believe this is your first annual review that we're going through. So I'm just gonna go through to start. We sorta have a look at how everything's going. We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement goals. Okay? Fantastic. Firstly, Colleen, just wanted to check-in to see how everything's been in the last sort of twelve months. Has there been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review? Yeah. Okay. Beautiful. Look. Yep. That's okay. And how's everything going for work? Have you been lucky enough to get a bit of a pay rise? Or no? No. That's okay. Income wise, I had you down earning about 70,000 per annum. Is that about the same still? Yep. Yep. Beautiful. Fantastic. And having a look here, it looks like you're not making any additional contributions to super over and above the employer contributions. How's your expenditure going at the moment? Do you have any sort of free cash at the end of the week, or is everything going towards your mortgage repayments? And yeah. That's okay. So you wouldn't wanna be making additional contributions to Super at the moment, maybe down the track? Yeah. That's absolutely okay. That's not a problem at all. Looking at your assets I have here, I've got your main primary residence. You had an asset value on that last time of about a million dollars. What sort of value would that be to you now? Do you think it might have increased a bit? Or oh, fantastic. Beautiful. And on the mortgage, we had about a 179,000. Have you been able to reduce that a little bit? Oh, wow. Fantastic. That's a really good drop. Excellent. One of the goals here that was that you were looking to, medium term wise, reduce that mortgage by that $1.79 and have it sort of paid off. You've done a really good job in reducing that as it is, but are you looking to try and have that paid off by the time of retirement? Or oh, yep. Perfect. And I've excellent. And I've got here that you are hoping to be able to start retirement or access super at around about age 63. Is that still your goal age for that? Yep. Yep. No. That's understandable. All good. We'll have you look at things because you're 58 this year, is that right, in November? Yeah. So whilst we are still in the accumulation phase, once we kinda get to the age of 60, there are some other great strategies we can put in place. Has anyone ever spoken to you or explained what maybe a transition or a time and strategy might be or what that is? Yeah. No. That's good. You do you do have about three years there. When you are close to it, we can definitely have a look at how that's gonna look for you. But, essentially, I would sort of wanna try and get that ready before you turn 60. So when you're about 59 or in that twelve months period, we could look at our dating advice to have a look at what that can look like for you. But, essentially, it allows you to continue working as you are. It allows you to draw some money out of super to keep your income the same, but we then push more money into super. It essentially is a really great strategy to help save on income tax, but also make more contributions to super whilst keeping your take home pay exactly the same. So we'll we can look at that down the track for you to see if that'll give you some benefit. Okay? Fantastic. Other assets I have noted here, you've got some shares through NRMA there. Do you still have those? Yep. Beautiful. I've got here that you had a value of about 13,000 on those. Is that still fairly accurate? Yep. Beautiful. Okay. Yeah. Absolutely. Not a problem at all. And I had here cars, so plural. How many vehicles do you have there at the moment? Just the two vehicles. Lovely. I'll split them up so we can note them down correctly for you. I'll either know what's one of the vehicles that you have there, and what's the value of that vehicle? Yep. Yeah. Beautiful. Lovely. And what's the other vehicle you would have there as well? Audience? Yep. Beautiful. 10,000. Beautiful. Do you have any loans on any of those vehicles, or they're completely owned debt free? Beautiful. Not a problem at all. Fantastic. Going through, is there any other assets, any other anything of value that you might wanna note down or any loans or credit cards that we should probably know about? Nope. That's it. Yeah. That's okay. Beautiful. And 3 thousand's the limit, is it? Yeah. Beautiful. Thank you for updating all those details there for me. Now I'll jump into giving you a little bit of an update on your super there. So when I sort of look back at twelve months ago, your balance inside super was about $177,006.84. Looking at where you've gone to in the twelve month period there, you've actually made when we look at the income and the growth, this is after any fees have been taken to account. You've actually made a 9.66% return. So when we break it down to income and growth as a dollar figure, it's about 20,176 that your super has made. So it's a really good, a really good amount of growth for the year. Definitely, I mean, it's going up. And with what we've seen in the markets this year with the volatility with what's going on overseas there, it's to come out on top of the 9% return is actually really good. Okay? Yeah. I that's okay. Let me go back and have a look for you. Let's go to inception and see what we had rolled in for you. It won't be a second. I'm just popping it up here. So from inception, the balance I've got today so you've made about 20,000, which is a 9.66% return. And your balance in the account at the moment were over 200,000, so 203,000 there, which sorry. $207,007.64 as of today's date there for you. And when we look at from inception of the account, which was in the 05/01/2024. Deposits to the account is $1.89, But you've made an 18% return since coming on board originally. I'm just gonna have a look at the transactions to see what was rolled in for you. But you definitely make you're definitely up from when you when you came on board originally, so you have certainly made some money there, which is really, really good to see, and that's not looking at your contribution. So when your contributions are going into super, they're not included into the growth or the income component. The income is dividends that get paid out, which gets compounded and reinvested back into your portfolio, and then the growth is considered the difference in the share price. So if, for example, say, you've got, you know, a CBA and it might have been valued at $50 per share, the next day, it's a $100 per share. The difference in that share price is essentially your growth there. And whilst your contributions are going in from your employer, it's essentially considered principal, so it was not added to that growth. But the growth and the income is produced out of out of your capital that goes in there for you. Okay? So it is solely what your portfolio is made, which is good. Does that make sense? Did you want me to kinda break that down more for you? Well, you're welcome to ask me any questions you like. That's okay. Beautiful. That's alright. Alright. So I've gone back to inception, had a look at the deposits here for you. So the original deposit in from Sea Bass, we had a $152,009.31. And then was there a secondary deposit in partway through? Sorry. I'm just going through all the transactions just to see when the secondary one went in. If there was a secondary one. No. So it just looks like it was the one rollover from SeaBus for the $1.52 $9.31. And so the total deposits would be including your contributions going in. So as a total, your initial rollover plus any employer contributions and deposits to the account from inception equals at $1.89, and then your balance as of today is 207,000. So you've made since inception an 18.15 return, and your portfolio has earned income and growth of from inception of about $39,009.39. So it's nearly 40,000 since you've come onboarding growth and and income there, which is good. So we are seeing a bit of growth. Yeah. You wanna make sure it's compounding and going up, so that's really good to see. When I go through all the individual investments within the portfolio there, they are all performing really, really nicely. To give you a bit of an example, you've got some physical gold in there, which on its own has seen over 79% return for the year. So sorry. This is from inception. So that's a good return from inception for the last twelve months. It's up over 26%. The physical gold has done really well. And then your battery and lithium tech has also really done really well for twelve months up over 89%. So everything has shown an increase there. The only ones that are showing a little bit of a decrease as individual investments is your VanEck property. So it's looking at property investments, both commercial and residential, and that's down by about 1.11 percent. So it's not down by a lot, not having a massive effect on your portfolio. You do also have the Benelon Australian Equities, which originally was put into your portfolio as more of an actively managed fund. So the idea of an active manager in a portfolio is that they're trying to outperform against the market trying to get better returns. When you look at having active managers in your portfolio, there's no guarantees that they're going to do that. Sometimes they do, sometimes they don't, and you do pay a little bit more to have active managers in there. When I look at how that individual investment has performed over the year, it is showing it is down a little bit at the moment. It's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there. What I could do if you like is I could go back and just have a look at your portfolio, maybe look at rebalancing it to make sure that you're, you know, taking on the right level of risk for where you are comfortable to be, and maybe also look at swapping out that investment if it's underperforming a little bit for you. Would you like me to do that? Yep. Fantastic. Did you want me to look at other active managers to keep to try and outperform against the market, or would you like to look at more of a passively managed investment, which might be a bit lower cost for you? That's okay. Yeah. That's okay. So if you wanted to, what we could look at doing is I could look at trying to reduce some of the investment costs for you. The difference between an active and a passive manager, as I mentioned, an active investment manager is trying to buy and sell and pick the times that they buy into the market and buy into certain investments. They're trying to outperform against the market. So they are they are doing a lot more trading in the back end. With a passive investment, something like, as an example, the S and P 500, you're just tracking the market and following it up and down. The investment managers are just tracking the market and making changes as the indices are. They're tracking certain indices depending on what you're invested in. They're not trying to outperform against the market. They're trying to stay in the market and follow the market trends. And often just participating in the market and being in those sorts of index funds actually provides a greater return than having an active manager can. It just sort of depends on what the market does and how good the manager is that year and a few other factors. But having a passively managed investment fund can also be a little bit cheaper for you. Did you want me to sort of look at making it cost effective, or did you wanna take a bit more risk and maybe see if we can outperform against the market? What would you like? Cost effective. Yeah. Perfect. Yep. That's okay. Did you have more questions? Did you want me to break any of that down a bit more? You're welcome to ask me if you need more clarification. Okay. That's alright. Yeah. Yeah. Yeah. Absolutely. I know some of these things do get sent through via email, so you're welcome just to let us know or even email back and say, hey. I need a bit of help reading through this. Can you explain it to me? I'll make a time. We can look at the same statement and go through it with you, look at what it says, and you're welcome to ask those questions. Absolutely. That's not a problem at all. Now, Colleen, having a look at the way you are invested, you are in a growth portfolio at the moment. So when we look at the portfolios and your risk level, we wanna make sure you're invested in a way that you're comfortable with the risk you're taking, that you're getting the returns that you're that we're tracking or that we're after with regard to the portfolio, but that you are comfortable with the volatility, the and downs that you're seeing as well because that kinda goes coincide with the risk. The the growth portfolio generally suits someone who has at least six years before they're willing to access their super. So because you've sort of said about age 63 at the moment, you're 57 now, you have just on that 60 time horizon, five years if we look at, you know, your birthday coming up in November this year. In that growth environment, you sort of generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And those are the investors where we do see we take a bit more risk, but we want the better returns, and they do, over the longer term, provide greater levels of returns. Then you also see about 20% in those lower risk investments, the things like cash, bonds, and fixed interest. Do you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level? How do you feel? Yeah. Yeah. That's okay. Yep. It is. It is. Yeah. Definitely. So there are ways to boost your super. One of those is to take on a bit more risk, like stay in this portfolio a little bit longer. However, you are aware that in the short term, we could see those market ups and downs. So in the next twelve months, depending on what happens in the market and with the world, generally, we could come out next year and have, you know, a negative one, two, five, ten percent depending on what happens. And then we just wanna make sure you can stay in that portfolio and not maybe make any changes until it recovers back and we do see a positive return. In this sort of a portfolio, the likelihood of a negative return is expected sort of one in every six years. So over the course of the next six years, you can expect at least one year where there is a negative return. So it's more just about making sure you're comfortable with that. The other option is if you wanted to reduce your risk, we could look at additional contributions, but you sort of said you don't really have the cash flow for that at the moment. You're paying the mortgage. Yeah. That's okay. Did you wanna just say yep. Absolutely. Not a problem. What I can do is, if you like, I can do another catch up with you in about six months to see how things are tracking, And then you've always got the option if you wanted to to say, hey. I wanna reduce the risk a little bit. We can always look at doing that for you. Yep. Beautiful. Not a problem at all. So for the time being, I'll just go back and reassess the portfolio, have a bit of a look at rebalancing a few things to make sure that you're not overexposed currently, and maybe just swap out the underperforming investment for you. Is that okay for the moment? Yep. Beautiful. That's okay. So your super is performing really nicely for the year, which is fantastic. I've also got your insurance policy here. So you do have your nearest insurance policy. You've got your life cover, which currently has a sum insured of 262,500, and then your TPD with the same level of cover. If in the event of you passing away with your mortgage only being at that $140,000 mark, your life insurance is paid out to your beneficiary, which I do have here noted for you is sorry. Beneficiaries, I've got David and Jenna. So one's your child and one's your spouse. Is that right? Yeah. There is. Yeah. They you have. You've got Sophie there as well. Yeah. They've just noted a little bit further down the page for us. So it looks like you've got 50% to David, 25% to to Jenna, and 25% to Sophie. Is that right? Yes. Perfect. Perfect. And with your sleep, we're just checking the beneficiaries there for you as well. You've got, sorry. Takes a second for the computer to wake up. There we go. I've got a 100% to David for in regards to your super. Does that sound about right? Yep. Perfect. So when we sort of look at this, just based on the current balance there, your super in the event of passing is fully paid out, which is, at the moment, a balance of 207,712. And then he would also be able to receive or claim 50% of your life insurance there, and then your two children being able to claim 25% there as well. But based on the balances, would pay out the mortgage. Is there anything else that you kind of wanted to cover with regard to your insurances, or was it just clearing the mortgage and giving them some extra money? Or Yeah. Yep. Takes takes some time off. Absolutely. Yep. Perfect. Excellent. Well, the life benefit and the TBD benefit there at the moment do sort of meet that goal, which is fantastic. So retaining that is preferable for the moment. We'll keep reviewing that with you. Obviously, with your insurance is the older you get, the likelihood of you claiming increases. So the policy does get more expensive over time and does provide an effect on your super. So we'll just make sure we keep reviewing that with you. And if you ever wanted to reduce the level or a bit you know, the cost is a bit too high, just let me know. We can always look at that for you. Okay? Absolutely. Yeah. Definitely. Yeah. Now it does look like you bought any kind of income protection or trauma insurance. So income protection does really pay out an income benefit, a monthly benefit if you're unable to go to work. If you were not able to work due to illness or injury, does David bring home enough money for you guys to survive, or do you have anything else to fall back on? Would survive. Yep. That's okay. Perfect. And with trauma, trauma is a a type of cover that pays out a lump sum tax rate benefit if you were to be diagnosed with, say, a heart attack, a stroke, certain neurological conditions. Cancer's probably the biggest one. Trauma, you can't pay for inside. So, but did you wanna look at getting any additional insurances? Are you happy just with the life in TPD you have at the moment? Please. That's absolutely fine. If you ever wanted to get a bit more information or have a more in-depth conversation around those, do let me know. I'm more than happy to assist you in that area. Okay. That's alright. We've basically gone through most things. Now you're still working at the same employer. I can see that your contributions are going in, which is fantastic. Have you guys got our updated will, power of attorney? Have you talked about doing the estate planning side of things? Yeah. No. Yeah. That's okay. Would you like us to send you an email just with some information on a local solicitor at a bit of a costing? It's not a referral to them as such. It's more just some information to kind of help the conversation to to give you an idea of what it might cost to do that. It's really great for starting that conversation. Perfect. Not a problem. I'll get that out to you. Now the only other thing to go through and let you know is we do send out the annual review pack. So we go through this annual review. It looks like there is a bit of advice that I'm gonna go back and update for you with regards to the investments, which is fantastic. Moving forward, I'll do a six month review with you just to see how things are going. And just to let you know as well, Colleen, because you are working and life's a bit hectic, I also do work in the afternoon, so I can always make calls after work for you if you need to as well, work around your work schedule just to make things a little bit easier on you. I'll I'll get my colleague, Michelle, to send out the annual review pack. As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there. Have a look through those. If you do happen to have any questions, please email us back. Let me know. I'll make some time to go through those with you and kinda break it down. I know it can be a lot when I'm sort of explaining it to you and then you see it after the fact. I've also got it attached to the financial services guide, which essentially outlines everything about who we are, what we do, how we do it. It's also got a lovely picture of me in there for you and all my licensing number as well as a licensed adviser. I am registered through ASIC for you. Okay. Excellent. And then we've also got the ongoing service agreement for the next twelve months there. So just to kind of make sure that you are fully aware, you do pay an ongoing service fee for our services. So having us look after your super, it is 1.65% per annum, but then it's deducted in smaller monthly increments out of your super. And the idea of a percentage based fee is that it fluctuates with the market. So when the market is doing really well and you've got a lovely 9% return there, then our fee is obviously gonna increase there with it. However, if the market took a bit of a dip, you had a negative return because of what was happening in the market globally, then our fee is gonna take a bit of a dip there with it as well. So we don't wanna be charging you the same fee every year, every month regardless of what your portfolio is doing so it is linked to your portfolio as well. Okay? That's okay. And we'll also just have a a tax file opt in form. So we just like to make sure you're aware that we do hold your tax phone number because we help set up your suit and your insurance side of things. However, we just like to make sure that you're aware of that information, and this is just the form that we'll get you to sign and return just acknowledging that you're aware of that. And we are very security conscious. You may have known we do security with you whenever we call you or you call us, just making sure that we are protecting all of your security, especially in the climate that we're in at the moment there. Okay? Fantastic. That's okay. Just wanted to have you here as well. I just noticed on your insurance policy while I was quickly scanning through some documents. On your TBD cover, you do have a mental health exclusion there. Do you remember kinda going through that with anyone previously? Yeah. So basically means no. You're absolutely fine. It looks like there may have been on the application essentially a disclosure where you might have had some depression or anxiety. But it says here that there is an exclusion on the BVD that no claim shall be payable under the benefit for the condition or event given rise to a claim as a result of any mental health disorder, including anxiety, depression, stress, adjustment disorders, emotional or behavioral disorders. So is this saying that due to your disclosures originally that they they've added that exclusion. If anything was to come due to mental health, it is also looked at under the cause. So do just let us know if if you're not able to work or if there's a risk of claiming on TBD, and we'll look at helping you to discuss around the cause and what's happening with that, and we'll see what we can do. These sorts of exclusions are reviewable generally about sort of between three to six years depending on what was disclosed. So you've been on board for two years now, so we could probably next year even look at trying to see what we can do about having that removed if you've not had any symptoms or medications or any or anything in relation to any mental health. Okay? All good. All good. Just like to make sure that I'm disclosing everything to you. Do you have that's alright. Do you have any questions for me at the moment? I know I go through a lot with you. I'm so sorry. It's early in the morning still. Fantastic, Colleen. Well, I will let you go. We'll get that email out to you shortly and your annual review docs. If you have any questions, please let me know. I hope you have a good day. Thanks, Colleen. Talk to you very soon. Thanks. See you later. 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],"paragraphs":{"transcript":"\nHi. Good morning, Colleen. How are you? I'm very well. Thank you.\n\nThanks for returning my call. I had you booked in to negotiate your annual review today. Is now still a good time there for you? Yeah. Yeah.\n\nIt it did ring once, and then it went straight through the voice mail. Yeah. Oh, yeah. No. That's okay.\n\nYou sound like you're a little bit unwell. Is everything okay? Oh, yeah. Yeah. Yeah.\n\nUnderstandable. Well, thank you so much for calling back, Colleen. As mentioned, my name is Dana. I'm one of the financial advisers here. I believe this is your first annual review that we're going through.\n\nSo I'm just gonna go through to start. We sorta have a look at how everything's going. We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement goals. Okay? Fantastic.\n\nFirstly, Colleen, just wanted to check-in to see how everything's been in the last sort of twelve months. Has there been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review? Yeah. Okay. Beautiful.\n\nLook. Yep. That's okay. And how's everything going for work? Have you been lucky enough to get a bit of a pay rise?\n\nOr no? No. That's okay. Income wise, I had you down earning about 70,000 per annum. Is that about the same still?\n\nYep. Yep. Beautiful. Fantastic. And having a look here, it looks like you're not making any additional contributions to super over and above the employer contributions.\n\nHow's your expenditure going at the moment? Do you have any sort of free cash at the end of the week, or is everything going towards your mortgage repayments? And yeah. That's okay. So you wouldn't wanna be making additional contributions to Super at the moment, maybe down the track?\n\nYeah. That's absolutely okay. That's not a problem at all. Looking at your assets I have here, I've got your main primary residence. You had an asset value on that last time of about a million dollars.\n\nWhat sort of value would that be to you now? Do you think it might have increased a bit? Or oh, fantastic. Beautiful. And on the mortgage, we had about a 179,000.\n\nHave you been able to reduce that a little bit? Oh, wow. Fantastic. That's a really good drop. Excellent.\n\nOne of the goals here that was that you were looking to, medium term wise, reduce that mortgage by that $1.79 and have it sort of paid off. You've done a really good job in reducing that as it is, but are you looking to try and have that paid off by the time of retirement? Or oh, yep. Perfect. And I've excellent.\n\nAnd I've got here that you are hoping to be able to start retirement or access super at around about age 63. Is that still your goal age for that? Yep. Yep. No.\n\nThat's understandable. All good. We'll have you look at things because you're 58 this year, is that right, in November? Yeah. So whilst we are still in the accumulation phase, once we kinda get to the age of 60, there are some other great strategies we can put in place.\n\nHas anyone ever spoken to you or explained what maybe a transition or a time and strategy might be or what that is? Yeah. No. That's good. You do you do have about three years there.\n\nWhen you are close to it, we can definitely have a look at how that's gonna look for you. But, essentially, I would sort of wanna try and get that ready before you turn 60. So when you're about 59 or in that twelve months period, we could look at our dating advice to have a look at what that can look like for you. But, essentially, it allows you to continue working as you are. It allows you to draw some money out of super to keep your income the same, but we then push more money into super.\n\nIt essentially is a really great strategy to help save on income tax, but also make more contributions to super whilst keeping your take home pay exactly the same. So we'll we can look at that down the track for you to see if that'll give you some benefit. Okay? Fantastic. Other assets I have noted here, you've got some shares through NRMA there.\n\nDo you still have those? Yep. Beautiful. I've got here that you had a value of about 13,000 on those. Is that still fairly accurate?\n\nYep. Beautiful. Okay. Yeah. Absolutely.\n\nNot a problem at all. And I had here cars, so plural. How many vehicles do you have there at the moment? Just the two vehicles. Lovely.\n\nI'll split them up so we can note them down correctly for you. I'll either know what's one of the vehicles that you have there, and what's the value of that vehicle? Yep. Yeah. Beautiful.\n\nLovely. And what's the other vehicle you would have there as well? Audience? Yep. Beautiful.\n\n10,000. Beautiful. Do you have any loans on any of those vehicles, or they're completely owned debt free? Beautiful. Not a problem at all.\n\nFantastic. Going through, is there any other assets, any other anything of value that you might wanna note down or any loans or credit cards that we should probably know about? Nope. That's it. Yeah.\n\nThat's okay. Beautiful. And 3 thousand's the limit, is it? Yeah. Beautiful.\n\nThank you for updating all those details there for me. Now I'll jump into giving you a little bit of an update on your super there. So when I sort of look back at twelve months ago, your balance inside super was about $177,006.84. Looking at where you've gone to in the twelve month period there, you've actually made when we look at the income and the growth, this is after any fees have been taken to account. You've actually made a 9.66% return.\n\nSo when we break it down to income and growth as a dollar figure, it's about 20,176 that your super has made. So it's a really good, a really good amount of growth for the year. Definitely, I mean, it's going up. And with what we've seen in the markets this year with the volatility with what's going on overseas there, it's to come out on top of the 9% return is actually really good. Okay?\n\nYeah. I that's okay. Let me go back and have a look for you. Let's go to inception and see what we had rolled in for you. It won't be a second.\n\nI'm just popping it up here. So from inception, the balance I've got today so you've made about 20,000, which is a 9.66% return. And your balance in the account at the moment were over 200,000, so 203,000 there, which sorry. $207,007.64 as of today's date there for you. And when we look at from inception of the account, which was in the 05/01/2024.\n\nDeposits to the account is $1.89, But you've made an 18% return since coming on board originally. I'm just gonna have a look at the transactions to see what was rolled in for you. But you definitely make you're definitely up from when you when you came on board originally, so you have certainly made some money there, which is really, really good to see, and that's not looking at your contribution. So when your contributions are going into super, they're not included into the growth or the income component. The income is dividends that get paid out, which gets compounded and reinvested back into your portfolio, and then the growth is considered the difference in the share price.\n\nSo if, for example, say, you've got, you know, a CBA and it might have been valued at $50 per share, the next day, it's a $100 per share. The difference in that share price is essentially your growth there. And whilst your contributions are going in from your employer, it's essentially considered principal, so it was not added to that growth. But the growth and the income is produced out of out of your capital that goes in there for you. Okay?\n\nSo it is solely what your portfolio is made, which is good. Does that make sense? Did you want me to kinda break that down more for you? Well, you're welcome to ask me any questions you like. That's okay.\n\nBeautiful. That's alright. Alright. So I've gone back to inception, had a look at the deposits here for you. So the original deposit in from Sea Bass, we had a $152,009.31.\n\nAnd then was there a secondary deposit in partway through? Sorry. I'm just going through all the transactions just to see when the secondary one went in. If there was a secondary one. No.\n\nSo it just looks like it was the one rollover from SeaBus for the $1.52 $9.31. And so the total deposits would be including your contributions going in. So as a total, your initial rollover plus any employer contributions and deposits to the account from inception equals at $1.89, and then your balance as of today is 207,000. So you've made since inception an 18.15 return, and your portfolio has earned income and growth of from inception of about $39,009.39. So it's nearly 40,000 since you've come onboarding growth and and income there, which is good.\n\nSo we are seeing a bit of growth. Yeah. You wanna make sure it's compounding and going up, so that's really good to see. When I go through all the individual investments within the portfolio there, they are all performing really, really nicely. To give you a bit of an example, you've got some physical gold in there, which on its own has seen over 79% return for the year.\n\nSo sorry. This is from inception. So that's a good return from inception for the last twelve months. It's up over 26%. The physical gold has done really well.\n\nAnd then your battery and lithium tech has also really done really well for twelve months up over 89%. So everything has shown an increase there. The only ones that are showing a little bit of a decrease as individual investments is your VanEck property. So it's looking at property investments, both commercial and residential, and that's down by about 1.11 percent. So it's not down by a lot, not having a massive effect on your portfolio.\n\nYou do also have the Benelon Australian Equities, which originally was put into your portfolio as more of an actively managed fund. So the idea of an active manager in a portfolio is that they're trying to outperform against the market trying to get better returns. When you look at having active managers in your portfolio, there's no guarantees that they're going to do that. Sometimes they do, sometimes they don't, and you do pay a little bit more to have active managers in there. When I look at how that individual investment has performed over the year, it is showing it is down a little bit at the moment.\n\nIt's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there. What I could do if you like is I could go back and just have a look at your portfolio, maybe look at rebalancing it to make sure that you're, you know, taking on the right level of risk for where you are comfortable to be, and maybe also look at swapping out that investment if it's underperforming a little bit for you. Would you like me to do that? Yep. Fantastic.\n\nDid you want me to look at other active managers to keep to try and outperform against the market, or would you like to look at more of a passively managed investment, which might be a bit lower cost for you? That's okay. Yeah. That's okay. So if you wanted to, what we could look at doing is I could look at trying to reduce some of the investment costs for you.\n\nThe difference between an active and a passive manager, as I mentioned, an active investment manager is trying to buy and sell and pick the times that they buy into the market and buy into certain investments. They're trying to outperform against the market. So they are they are doing a lot more trading in the back end. With a passive investment, something like, as an example, the S and P 500, you're just tracking the market and following it up and down. The investment managers are just tracking the market and making changes as the indices are.\n\nThey're tracking certain indices depending on what you're invested in. They're not trying to outperform against the market. They're trying to stay in the market and follow the market trends. And often just participating in the market and being in those sorts of index funds actually provides a greater return than having an active manager can. It just sort of depends on what the market does and how good the manager is that year and a few other factors.\n\nBut having a passively managed investment fund can also be a little bit cheaper for you. Did you want me to sort of look at making it cost effective, or did you wanna take a bit more risk and maybe see if we can outperform against the market? What would you like? Cost effective. Yeah.\n\nPerfect. Yep. That's okay. Did you have more questions? Did you want me to break any of that down a bit more?\n\nYou're welcome to ask me if you need more clarification. Okay. That's alright. Yeah. Yeah.\n\nYeah. Absolutely. I know some of these things do get sent through via email, so you're welcome just to let us know or even email back and say, hey. I need a bit of help reading through this. Can you explain it to me?\n\nI'll make a time. We can look at the same statement and go through it with you, look at what it says, and you're welcome to ask those questions. Absolutely. That's not a problem at all. Now, Colleen, having a look at the way you are invested, you are in a growth portfolio at the moment.\n\nSo when we look at the portfolios and your risk level, we wanna make sure you're invested in a way that you're comfortable with the risk you're taking, that you're getting the returns that you're that we're tracking or that we're after with regard to the portfolio, but that you are comfortable with the volatility, the and downs that you're seeing as well because that kinda goes coincide with the risk. The the growth portfolio generally suits someone who has at least six years before they're willing to access their super. So because you've sort of said about age 63 at the moment, you're 57 now, you have just on that 60 time horizon, five years if we look at, you know, your birthday coming up in November this year. In that growth environment, you sort of generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And those are the investors where we do see we take a bit more risk, but we want the better returns, and they do, over the longer term, provide greater levels of returns.\n\nThen you also see about 20% in those lower risk investments, the things like cash, bonds, and fixed interest. Do you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level? How do you feel? Yeah. Yeah.\n\nThat's okay. Yep. It is. It is. Yeah.\n\nDefinitely. So there are ways to boost your super. One of those is to take on a bit more risk, like stay in this portfolio a little bit longer. However, you are aware that in the short term, we could see those market ups and downs. So in the next twelve months, depending on what happens in the market and with the world, generally, we could come out next year and have, you know, a negative one, two, five, ten percent depending on what happens.\n\nAnd then we just wanna make sure you can stay in that portfolio and not maybe make any changes until it recovers back and we do see a positive return. In this sort of a portfolio, the likelihood of a negative return is expected sort of one in every six years. So over the course of the next six years, you can expect at least one year where there is a negative return. So it's more just about making sure you're comfortable with that. The other option is if you wanted to reduce your risk, we could look at additional contributions, but you sort of said you don't really have the cash flow for that at the moment.\n\nYou're paying the mortgage. Yeah. That's okay. Did you wanna just say yep. Absolutely.\n\nNot a problem. What I can do is, if you like, I can do another catch up with you in about six months to see how things are tracking, And then you've always got the option if you wanted to to say, hey. I wanna reduce the risk a little bit. We can always look at doing that for you. Yep.\n\nBeautiful. Not a problem at all. So for the time being, I'll just go back and reassess the portfolio, have a bit of a look at rebalancing a few things to make sure that you're not overexposed currently, and maybe just swap out the underperforming investment for you. Is that okay for the moment? Yep.\n\nBeautiful. That's okay. So your super is performing really nicely for the year, which is fantastic. I've also got your insurance policy here. So you do have your nearest insurance policy.\n\nYou've got your life cover, which currently has a sum insured of 262,500, and then your TPD with the same level of cover. If in the event of you passing away with your mortgage only being at that $140,000 mark, your life insurance is paid out to your beneficiary, which I do have here noted for you is sorry. Beneficiaries, I've got David and Jenna. So one's your child and one's your spouse. Is that right?\n\nYeah. There is. Yeah. They you have. You've got Sophie there as well.\n\nYeah. They've just noted a little bit further down the page for us. So it looks like you've got 50% to David, 25% to to Jenna, and 25% to Sophie. Is that right? Yes.\n\nPerfect. Perfect. And with your sleep, we're just checking the beneficiaries there for you as well. You've got, sorry. Takes a second for the computer to wake up.\n\nThere we go. I've got a 100% to David for in regards to your super. Does that sound about right? Yep. Perfect.\n\nSo when we sort of look at this, just based on the current balance there, your super in the event of passing is fully paid out, which is, at the moment, a balance of 207,712. And then he would also be able to receive or claim 50% of your life insurance there, and then your two children being able to claim 25% there as well. But based on the balances, would pay out the mortgage. Is there anything else that you kind of wanted to cover with regard to your insurances, or was it just clearing the mortgage and giving them some extra money? Or Yeah.\n\nYep. Takes takes some time off. Absolutely. Yep. Perfect.\n\nExcellent. Well, the life benefit and the TBD benefit there at the moment do sort of meet that goal, which is fantastic. So retaining that is preferable for the moment. We'll keep reviewing that with you. Obviously, with your insurance is the older you get, the likelihood of you claiming increases.\n\nSo the policy does get more expensive over time and does provide an effect on your super. So we'll just make sure we keep reviewing that with you. And if you ever wanted to reduce the level or a bit you know, the cost is a bit too high, just let me know. We can always look at that for you. Okay?\n\nAbsolutely. Yeah. Definitely. Yeah. Now it does look like you bought any kind of income protection or trauma insurance.\n\nSo income protection does really pay out an income benefit, a monthly benefit if you're unable to go to work. If you were not able to work due to illness or injury, does David bring home enough money for you guys to survive, or do you have anything else to fall back on? Would survive. Yep. That's okay.\n\nPerfect. And with trauma, trauma is a a type of cover that pays out a lump sum tax rate benefit if you were to be diagnosed with, say, a heart attack, a stroke, certain neurological conditions. Cancer's probably the biggest one. Trauma, you can't pay for inside. So, but did you wanna look at getting any additional insurances?\n\nAre you happy just with the life in TPD you have at the moment? Please. That's absolutely fine. If you ever wanted to get a bit more information or have a more in-depth conversation around those, do let me know. I'm more than happy to assist you in that area.\n\nOkay. That's alright. We've basically gone through most things. Now you're still working at the same employer. I can see that your contributions are going in, which is fantastic.\n\nHave you guys got our updated will, power of attorney? Have you talked about doing the estate planning side of things? Yeah. No. Yeah.\n\nThat's okay. Would you like us to send you an email just with some information on a local solicitor at a bit of a costing? It's not a referral to them as such. It's more just some information to kind of help the conversation to to give you an idea of what it might cost to do that. It's really great for starting that conversation.\n\nPerfect. Not a problem. I'll get that out to you. Now the only other thing to go through and let you know is we do send out the annual review pack. So we go through this annual review.\n\nIt looks like there is a bit of advice that I'm gonna go back and update for you with regards to the investments, which is fantastic. Moving forward, I'll do a six month review with you just to see how things are going. And just to let you know as well, Colleen, because you are working and life's a bit hectic, I also do work in the afternoon, so I can always make calls after work for you if you need to as well, work around your work schedule just to make things a little bit easier on you. I'll I'll get my colleague, Michelle, to send out the annual review pack. As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there.\n\nHave a look through those. If you do happen to have any questions, please email us back. Let me know. I'll make some time to go through those with you and kinda break it down. I know it can be a lot when I'm sort of explaining it to you and then you see it after the fact.\n\nI've also got it attached to the financial services guide, which essentially outlines everything about who we are, what we do, how we do it. It's also got a lovely picture of me in there for you and all my licensing number as well as a licensed adviser. I am registered through ASIC for you. Okay. Excellent.\n\nAnd then we've also got the ongoing service agreement for the next twelve months there. So just to kind of make sure that you are fully aware, you do pay an ongoing service fee for our services. So having us look after your super, it is 1.65% per annum, but then it's deducted in smaller monthly increments out of your super. And the idea of a percentage based fee is that it fluctuates with the market. So when the market is doing really well and you've got a lovely 9% return there, then our fee is obviously gonna increase there with it.\n\nHowever, if the market took a bit of a dip, you had a negative return because of what was happening in the market globally, then our fee is gonna take a bit of a dip there with it as well. So we don't wanna be charging you the same fee every year, every month regardless of what your portfolio is doing so it is linked to your portfolio as well. Okay? That's okay. And we'll also just have a a tax file opt in form.\n\nSo we just like to make sure you're aware that we do hold your tax phone number because we help set up your suit and your insurance side of things. However, we just like to make sure that you're aware of that information, and this is just the form that we'll get you to sign and return just acknowledging that you're aware of that. And we are very security conscious. You may have known we do security with you whenever we call you or you call us, just making sure that we are protecting all of your security, especially in the climate that we're in at the moment there. Okay?\n\nFantastic. That's okay. Just wanted to have you here as well. I just noticed on your insurance policy while I was quickly scanning through some documents. On your TBD cover, you do have a mental health exclusion there.\n\nDo you remember kinda going through that with anyone previously? Yeah. So basically means no. You're absolutely fine. It looks like there may have been on the application essentially a disclosure where you might have had some depression or anxiety.\n\nBut it says here that there is an exclusion on the BVD that no claim shall be payable under the benefit for the condition or event given rise to a claim as a result of any mental health disorder, including anxiety, depression, stress, adjustment disorders, emotional or behavioral disorders. So is this saying that due to your disclosures originally that they they've added that exclusion. If anything was to come due to mental health, it is also looked at under the cause. So do just let us know if if you're not able to work or if there's a risk of claiming on TBD, and we'll look at helping you to discuss around the cause and what's happening with that, and we'll see what we can do. These sorts of exclusions are reviewable generally about sort of between three to six years depending on what was disclosed.\n\nSo you've been on board for two years now, so we could probably next year even look at trying to see what we can do about having that removed if you've not had any symptoms or medications or any or anything in relation to any mental health. Okay? All good. All good. Just like to make sure that I'm disclosing everything to you.\n\nDo you have that's alright. Do you have any questions for me at the moment? I know I go through a lot with you. I'm so sorry. It's early in the morning still.\n\nFantastic, Colleen. Well, I will let you go. We'll get that email out to you shortly and your annual review docs. If you have any questions, please let me know. I hope you have a good day.\n\nThanks, Colleen. Talk to you very soon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.56,"end":2.8,"sentiment":"neutral","sentiment_score":0.17514026165008545},{"text":"Good morning, Colleen.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.39404170711835224},{"text":"How are you?","start":3.84,"end":4.66,"sentiment":"positive","sentiment_score":0.3403930564721425},{"text":"I'm very well.","start":6.7999997,"end":7.8399997,"sentiment":"positive","sentiment_score":0.6133009990056356},{"text":"Thank you.","start":7.8399997,"end":8.32,"sentiment":"positive","sentiment_score":0.7008391320705414}],"sentiment":"positive","sentiment_score":0.46833548446496326,"num_words":12,"start":2.56,"end":8.32},{"sentences":[{"text":"Thanks for returning my call.","start":8.32,"end":9.679999,"sentiment":"positive","sentiment_score":0.6502512335777283},{"text":"I had you booked in to negotiate your annual review today.","start":9.679999,"end":12.24,"sentiment":"positive","sentiment_score":0.3668827631256797},{"text":"Is now still a good time there for you?","start":12.24,"end":14.34,"sentiment":"neutral","sentiment_score":0.3285609980424245},{"text":"Yeah.","start":17.915,"end":18.235,"sentiment":"neutral","sentiment_score":-0.009706943295896052},{"text":"Yeah.","start":18.235,"end":18.555,"sentiment":"neutral","sentiment_score":-0.009862145408988}],"sentiment":"positive","sentiment_score":0.37868320207215017,"num_words":27,"start":8.32,"end":18.555},{"sentences":[{"text":"It it did ring once, and then it went straight through the voice mail.","start":18.555,"end":22.335,"sentiment":"neutral","sentiment_score":-0.047769298776984215},{"text":"Yeah.","start":24.715,"end":25.215,"sentiment":"neutral","sentiment_score":-0.03063827008008957},{"text":"Oh, yeah.","start":27.449999,"end":29.47,"sentiment":"neutral","sentiment_score":-0.0988592617213726},{"text":"No.","start":30.33,"end":30.49,"sentiment":"neutral","sentiment_score":-0.17051970958709717},{"text":"That's okay.","start":30.49,"end":30.97,"sentiment":"neutral","sentiment_score":-0.12756574898958206}],"sentiment":"neutral","sentiment_score":-0.06613890919834375,"num_words":20,"start":18.555,"end":30.97},{"sentences":[{"text":"You sound like you're a little bit unwell.","start":30.97,"end":32.65,"sentiment":"negative","sentiment_score":-0.3778640106320381},{"text":"Is everything okay?","start":32.65,"end":33.79,"sentiment":"neutral","sentiment_score":-0.152244766553243},{"text":"Oh, yeah.","start":37.129997,"end":38.27,"sentiment":"neutral","sentiment_score":-0.07275597751140594},{"text":"Yeah.","start":39.305,"end":39.805,"sentiment":"neutral","sentiment_score":-0.00008801091462373734},{"text":"Yeah.","start":39.865,"end":40.185,"sentiment":"neutral","sentiment_score":0.024938223883509636}],"sentiment":"neutral","sentiment_score":-0.240020541784664,"num_words":15,"start":30.97,"end":40.185},{"sentences":[{"text":"Understandable.","start":40.185,"end":40.685,"sentiment":"neutral","sentiment_score":0.07544352859258652},{"text":"Well, thank you so much for calling back, Colleen.","start":41.385002,"end":43.565002,"sentiment":"neutral","sentiment_score":0.32013677557309467},{"text":"As mentioned, my name is Dana.","start":44.185,"end":45.785,"sentiment":"neutral","sentiment_score":0.14050081993142763},{"text":"I'm one of the financial advisers here.","start":45.785,"end":47.305,"sentiment":"neutral","sentiment_score":0.1329564814056669},{"text":"I believe this is your first annual review that we're going through.","start":47.305,"end":49.865,"sentiment":"neutral","sentiment_score":0.13568059975902239}],"sentiment":"neutral","sentiment_score":0.18167262843676976,"num_words":35,"start":40.185,"end":49.865},{"sentences":[{"text":"So I'm just gonna go through to start.","start":49.865,"end":51.865,"sentiment":"neutral","sentiment_score":0.06898043071851134},{"text":"We sorta have a look at how everything's going.","start":51.865,"end":53.79,"sentiment":"neutral","sentiment_score":0.1062889157070054},{"text":"We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement goals.","start":53.79,"end":62.85,"sentiment":"neutral","sentiment_score":0.1006651706106606},{"text":"Okay?","start":62.99,"end":63.49,"sentiment":"neutral","sentiment_score":0.0522017776966095},{"text":"Fantastic.","start":65.065,"end":65.565,"sentiment":"positive","sentiment_score":0.33880841732025146}],"sentiment":"neutral","sentiment_score":0.10044903357009419,"num_words":61,"start":49.865,"end":65.565},{"sentences":[{"text":"Firstly, Colleen, just wanted to check-in to see how everything's been in the last sort of twelve months.","start":67.065,"end":70.825,"sentiment":"neutral","sentiment_score":0.09243444601694743},{"text":"Has there been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review?","start":70.825,"end":77.245,"sentiment":"neutral","sentiment_score":0.049103137105703354},{"text":"Yeah.","start":80.270004,"end":80.75,"sentiment":"neutral","sentiment_score":0.012816520407795906},{"text":"Okay.","start":80.75,"end":81.25,"sentiment":"neutral","sentiment_score":0.0601075142621994},{"text":"Beautiful.","start":81.39,"end":81.87,"sentiment":"neutral","sentiment_score":0.2684069573879242}],"sentiment":"neutral","sentiment_score":0.06939449421285342,"num_words":48,"start":67.065,"end":81.87},{"sentences":[{"text":"Look.","start":81.87,"end":82.03001,"sentiment":"neutral","sentiment_score":0.10185307264328004},{"text":"Yep.","start":82.03001,"end":82.53001,"sentiment":"neutral","sentiment_score":0.058730900287628174},{"text":"That's okay.","start":83.630005,"end":84.270004,"sentiment":"neutral","sentiment_score":0.07514076679944992},{"text":"And how's everything going for work?","start":84.270004,"end":85.47,"sentiment":"neutral","sentiment_score":0.025296613418807585},{"text":"Have you been lucky enough to get a bit of a pay rise?","start":85.47,"end":87.79,"sentiment":"neutral","sentiment_score":-0.012121637996572714}],"sentiment":"neutral","sentiment_score":0.013263647525530794,"num_words":23,"start":81.87,"end":87.79},{"sentences":[{"text":"Or no?","start":87.79,"end":93.704994,"sentiment":"neutral","sentiment_score":-0.06152044236660004},{"text":"No.","start":93.704994,"end":94.024994,"sentiment":"neutral","sentiment_score":-0.10333336889743804},{"text":"That's okay.","start":94.024994,"end":94.765,"sentiment":"neutral","sentiment_score":-0.05383463017642498},{"text":"Income wise, I had you down earning about 70,000 per annum.","start":94.905,"end":98.424995,"sentiment":"neutral","sentiment_score":-0.039411936293948784},{"text":"Is that about the same still?","start":98.424995,"end":99.884995,"sentiment":"neutral","sentiment_score":-0.01613287767395377}],"sentiment":"neutral","sentiment_score":-0.03928963996639306,"num_words":22,"start":87.79,"end":99.884995},{"sentences":[{"text":"Yep.","start":101.384995,"end":101.705,"sentiment":"neutral","sentiment_score":0.06557703763246536},{"text":"Yep.","start":101.705,"end":102.024994,"sentiment":"neutral","sentiment_score":0.14462532103061676},{"text":"Beautiful.","start":102.024994,"end":102.524994,"sentiment":"positive","sentiment_score":0.7066714763641357},{"text":"Fantastic.","start":102.744995,"end":103.244995,"sentiment":"positive","sentiment_score":0.70865797996521},{"text":"And having a look here, it looks like you're not making any additional contributions to super over and above the employer contributions.","start":104.18,"end":110.04,"sentiment":"neutral","sentiment_score":-0.009979071942242708}],"sentiment":"neutral","sentiment_score":0.05407662431781109,"num_words":26,"start":101.384995,"end":110.04},{"sentences":[{"text":"How's your expenditure going at the moment?","start":110.98,"end":113.38,"sentiment":"neutral","sentiment_score":-0.052766914878572733},{"text":"Do you have any sort of free cash at the end of the week, or is everything going towards your mortgage repayments?","start":113.38,"end":118.36,"sentiment":"neutral","sentiment_score":-0.04326647045937451},{"text":"And yeah.","start":118.5,"end":122.445,"sentiment":"neutral","sentiment_score":-0.00881122425198555},{"text":"That's okay.","start":122.445,"end":123.165,"sentiment":"neutral","sentiment_score":0.010397532023489475},{"text":"So you wouldn't wanna be making additional contributions to Super at the moment, maybe down the track?","start":123.165,"end":128.14499,"sentiment":"neutral","sentiment_score":-0.10534482712254804}],"sentiment":"neutral","sentiment_score":-0.06217840399593115,"num_words":50,"start":110.98,"end":128.14499},{"sentences":[{"text":"Yeah.","start":128.765,"end":129.265,"sentiment":"neutral","sentiment_score":0.07682476937770844},{"text":"That's absolutely okay.","start":129.645,"end":131.005,"sentiment":"neutral","sentiment_score":0.2510114957888921},{"text":"That's not a problem at all.","start":131.005,"end":132.66,"sentiment":"neutral","sentiment_score":0.22988289346297583},{"text":"Looking at your assets I have here, I've got your main primary residence.","start":133.14,"end":137.08,"sentiment":"neutral","sentiment_score":0.05508146922175701},{"text":"You had an asset value on that last time of about a million dollars.","start":137.14,"end":140.76001,"sentiment":"neutral","sentiment_score":0.028325851474489485}],"sentiment":"neutral","sentiment_score":0.0897777740012955,"num_words":37,"start":128.765,"end":140.76001},{"sentences":[{"text":"What sort of value would that be to you now?","start":141.22,"end":143.3,"sentiment":"neutral","sentiment_score":-0.00002659242600202595},{"text":"Do you think it might have increased a bit?","start":143.3,"end":145.14,"sentiment":"neutral","sentiment_score":-0.034385079931881696},{"text":"Or oh, fantastic.","start":145.14,"end":150.985,"sentiment":"neutral","sentiment_score":0.2727218121290207},{"text":"Beautiful.","start":152.245,"end":152.745,"sentiment":"positive","sentiment_score":0.5033606886863708},{"text":"And on the mortgage, we had about a 179,000.","start":153.525,"end":157.045,"sentiment":"neutral","sentiment_score":0.04626587385104762}],"sentiment":"neutral","sentiment_score":0.04463085456518456,"num_words":32,"start":141.22,"end":157.045},{"sentences":[{"text":"Have you been able to reduce that a little bit?","start":157.045,"end":159.385,"sentiment":"neutral","sentiment_score":-0.003030182980000973},{"text":"Oh, wow.","start":162.57999,"end":163.21999,"sentiment":"neutral","sentiment_score":0.15349988639354706},{"text":"Fantastic.","start":163.21999,"end":163.71999,"sentiment":"positive","sentiment_score":0.4993278980255127},{"text":"That's a really good drop.","start":163.93999,"end":165.4,"sentiment":"positive","sentiment_score":0.4158990800380707},{"text":"Excellent.","start":165.45999,"end":165.95999,"sentiment":"positive","sentiment_score":0.4918234944343567}],"sentiment":"neutral","sentiment_score":0.176176038717753,"num_words":19,"start":157.045,"end":165.95999},{"sentences":[{"text":"One of the goals here that was that you were looking to, medium term wise, reduce that mortgage by that $1.79 and have it sort of paid off.","start":167.37999,"end":175.335,"sentiment":"neutral","sentiment_score":0.13380402220146997},{"text":"You've done a really good job in reducing that as it is, but are you looking to try and have that paid off by the time of retirement?","start":176.05501,"end":182.235,"sentiment":"neutral","sentiment_score":0.17029175534844398},{"text":"Or oh, yep.","start":182.535,"end":185.095,"sentiment":"neutral","sentiment_score":0.07842981318632762},{"text":"Perfect.","start":185.095,"end":185.595,"sentiment":"positive","sentiment_score":0.44698578119277954},{"text":"And I've excellent.","start":185.735,"end":187.115,"sentiment":"positive","sentiment_score":0.43870818614959717}],"sentiment":"neutral","sentiment_score":0.16687431032695468,"num_words":63,"start":167.37999,"end":187.115},{"sentences":[{"text":"And I've got here that you are hoping to be able to start retirement or access super at around about age 63.","start":187.335,"end":193.18,"sentiment":"neutral","sentiment_score":0.13441684740510854},{"text":"Is that still your goal age for that?","start":193.18,"end":195.36,"sentiment":"neutral","sentiment_score":0.05382940359413624},{"text":"Yep.","start":197.42,"end":197.92,"sentiment":"neutral","sentiment_score":0.0018031231593340635},{"text":"Yep.","start":198.86,"end":199.36,"sentiment":"neutral","sentiment_score":-0.003605989273637533},{"text":"No.","start":199.98,"end":200.3,"sentiment":"neutral","sentiment_score":-0.10576534271240234}],"sentiment":"neutral","sentiment_score":0.0994011412981446,"num_words":33,"start":187.335,"end":200.3},{"sentences":[{"text":"That's understandable.","start":200.3,"end":201.12,"sentiment":"neutral","sentiment_score":-0.06728502921760082},{"text":"All good.","start":201.42,"end":201.9,"sentiment":"neutral","sentiment_score":0.29350102692842484},{"text":"We'll have you look at things because you're 58 this year, is that right, in November?","start":201.9,"end":206.035,"sentiment":"neutral","sentiment_score":0.031646732590161264},{"text":"Yeah.","start":207.77501,"end":208.27501,"sentiment":"neutral","sentiment_score":-0.036927588284015656},{"text":"So whilst we are still in the accumulation phase, once we kinda get to the age of 60, there are some other great strategies we can put in place.","start":208.41501,"end":215.375,"sentiment":"neutral","sentiment_score":0.27143368022195224}],"sentiment":"neutral","sentiment_score":0.17586857710033654,"num_words":50,"start":200.3,"end":215.375},{"sentences":[{"text":"Has anyone ever spoken to you or explained what maybe a transition or a time and strategy might be or what that is?","start":215.375,"end":222.06999,"sentiment":"neutral","sentiment_score":0.14988863273807193},{"text":"Yeah.","start":225.97,"end":226.47,"sentiment":"neutral","sentiment_score":-0.05570177733898163},{"text":"No.","start":228.53,"end":228.84999,"sentiment":"neutral","sentiment_score":-0.22046750783920288},{"text":"That's good.","start":228.84999,"end":230.885,"sentiment":"neutral","sentiment_score":-0.13805820792913437},{"text":"You do you do have about three years there.","start":232.305,"end":234.64499,"sentiment":"neutral","sentiment_score":-0.005791704894767867}],"sentiment":"neutral","sentiment_score":0.07897298633017474,"num_words":36,"start":215.375,"end":234.64499},{"sentences":[{"text":"When you are close to it, we can definitely have a look at how that's gonna look for you.","start":234.78499,"end":239.125,"sentiment":"neutral","sentiment_score":0.12365820866666342},{"text":"But, essentially, I would sort of wanna try and get that ready before you turn 60.","start":239.745,"end":243.985,"sentiment":"neutral","sentiment_score":0.19292838079854846},{"text":"So when you're about 59 or in that twelve months period, we could look at our dating advice to have a look at what that can look like for you.","start":243.985,"end":250.34999,"sentiment":"neutral","sentiment_score":0.1894577883183956},{"text":"But, essentially, it allows you to continue working as you are.","start":250.34999,"end":253.89,"sentiment":"positive","sentiment_score":0.36889043179425324},{"text":"It allows you to draw some money out of super to keep your income the same, but we then push more money into super.","start":254.10999,"end":260.37,"sentiment":"positive","sentiment_score":0.34121665606896084}],"sentiment":"neutral","sentiment_score":0.23367088202387096,"num_words":100,"start":234.78499,"end":260.37},{"sentences":[{"text":"It essentially is a really great strategy to help save on income tax, but also make more contributions to super whilst keeping your take home pay exactly the same.","start":260.795,"end":269.035,"sentiment":"positive","sentiment_score":0.3815664803159648},{"text":"So we'll we can look at that down the track for you to see if that'll give you some benefit.","start":269.035,"end":274.095,"sentiment":"neutral","sentiment_score":0.20823442935943604},{"text":"Okay?","start":274.39502,"end":274.89502,"sentiment":"neutral","sentiment_score":0.07918993383646011},{"text":"Fantastic.","start":277.02,"end":277.52,"sentiment":"positive","sentiment_score":0.4758580625057221},{"text":"Other assets I have noted here, you've got some shares through NRMA there.","start":278.46,"end":282.86,"sentiment":"neutral","sentiment_score":0.1603304073214531}],"sentiment":"neutral","sentiment_score":0.27921030949801207,"num_words":64,"start":260.795,"end":282.86},{"sentences":[{"text":"Do you still have those?","start":282.86,"end":284.16,"sentiment":"neutral","sentiment_score":0.06307192966341972},{"text":"Yep.","start":285.82,"end":286.32,"sentiment":"neutral","sentiment_score":0.16808897256851196},{"text":"Beautiful.","start":286.54,"end":287.04,"sentiment":"positive","sentiment_score":0.4258497953414917},{"text":"I've got here that you had a value of about 13,000 on those.","start":287.26,"end":290.86,"sentiment":"neutral","sentiment_score":0.12745334322635943},{"text":"Is that still fairly accurate?","start":290.86,"end":292.615,"sentiment":"neutral","sentiment_score":0.07170789688825607}],"sentiment":"neutral","sentiment_score":0.11698925450444221,"num_words":25,"start":282.86,"end":292.615},{"sentences":[{"text":"Yep.","start":292.755,"end":293.255,"sentiment":"neutral","sentiment_score":0.06558313965797424},{"text":"Beautiful.","start":294.115,"end":294.615,"sentiment":"neutral","sentiment_score":0.26377296447753906},{"text":"Okay.","start":305.33,"end":305.72998,"sentiment":"neutral","sentiment_score":0.07393471896648407},{"text":"Yeah.","start":305.72998,"end":306.05,"sentiment":"neutral","sentiment_score":0.11459136009216309},{"text":"Absolutely.","start":306.05,"end":306.55,"sentiment":"neutral","sentiment_score":0.1984699070453644}],"sentiment":"neutral","sentiment_score":0.14327041804790497,"num_words":5,"start":292.755,"end":306.55},{"sentences":[{"text":"Not a problem at all.","start":306.77,"end":308.15,"sentiment":"neutral","sentiment_score":0.2583114504814148},{"text":"And I had here cars, so plural.","start":308.21,"end":310.87,"sentiment":"neutral","sentiment_score":0.0672533389713083},{"text":"How many vehicles do you have there at the moment?","start":311.00998,"end":313.18997,"sentiment":"neutral","sentiment_score":0.05024905912578106},{"text":"Just the two vehicles.","start":314.77,"end":315.88998,"sentiment":"neutral","sentiment_score":0.07848251797258854},{"text":"Lovely.","start":315.88998,"end":316.28998,"sentiment":"positive","sentiment_score":0.5177913904190063}],"sentiment":"neutral","sentiment_score":0.11468676588049641,"num_words":27,"start":306.77,"end":316.28998},{"sentences":[{"text":"I'll split them up so we can note them down correctly for you.","start":316.28998,"end":320.13498,"sentiment":"neutral","sentiment_score":0.3085514811369089},{"text":"I'll either know what's one of the vehicles that you have there, and what's the value of that vehicle?","start":320.51498,"end":324.455,"sentiment":"neutral","sentiment_score":0.004827597239789994},{"text":"Yep.","start":326.91498,"end":327.41498,"sentiment":"neutral","sentiment_score":0.005959733389317989},{"text":"Yeah.","start":330.19498,"end":330.675,"sentiment":"neutral","sentiment_score":0.17096230387687683},{"text":"Beautiful.","start":330.675,"end":331.175,"sentiment":"positive","sentiment_score":0.5997974276542664}],"sentiment":"neutral","sentiment_score":0.13941751620732248,"num_words":35,"start":316.28998,"end":331.175},{"sentences":[{"text":"Lovely.","start":331.63498,"end":332.13498,"sentiment":"positive","sentiment_score":0.5659696459770203},{"text":"And what's the other vehicle you would have there as well?","start":332.63998,"end":335.22,"sentiment":"neutral","sentiment_score":0.10157794844020497},{"text":"Audience?","start":337.44,"end":337.94,"sentiment":"neutral","sentiment_score":0.01922306977212429},{"text":"Yep.","start":338.63998,"end":339.04,"sentiment":"neutral","sentiment_score":0.053468164056539536},{"text":"Beautiful.","start":339.04,"end":339.54,"sentiment":"neutral","sentiment_score":0.27508777379989624}],"sentiment":"neutral","sentiment_score":0.13540707242985567,"num_words":15,"start":331.63498,"end":339.54},{"sentences":[{"text":"10,000.","start":343.84,"end":344.58,"sentiment":"neutral","sentiment_score":0.05672742426395416},{"text":"Beautiful.","start":344.63998,"end":345.13998,"sentiment":"neutral","sentiment_score":0.21456417441368103},{"text":"Do you have any loans on any of those vehicles, or they're completely owned debt free?","start":345.28,"end":349.335,"sentiment":"neutral","sentiment_score":0.014218138763681054},{"text":"Beautiful.","start":351.155,"end":351.655,"sentiment":"neutral","sentiment_score":0.3146735727787018},{"text":"Not a problem at all.","start":351.715,"end":352.835,"sentiment":"neutral","sentiment_score":0.30948346853256226}],"sentiment":"neutral","sentiment_score":0.09836969726408522,"num_words":24,"start":343.84,"end":352.835},{"sentences":[{"text":"Fantastic.","start":352.835,"end":353.335,"sentiment":"positive","sentiment_score":0.5106761455535889},{"text":"Going through, is there any other assets, any other anything of value that you might wanna note down or any loans or credit cards that we should probably know about?","start":354.435,"end":362.215,"sentiment":"neutral","sentiment_score":0.10933148587743441},{"text":"Nope.","start":364.41,"end":364.91,"sentiment":"neutral","sentiment_score":-0.037811122834682465},{"text":"That's it.","start":364.97,"end":365.71,"sentiment":"neutral","sentiment_score":-0.020855285227298737},{"text":"Yeah.","start":368.33,"end":368.56998,"sentiment":"neutral","sentiment_score":0.03355555981397629}],"sentiment":"neutral","sentiment_score":0.1069901310971805,"num_words":35,"start":352.835,"end":368.56998},{"sentences":[{"text":"That's okay.","start":368.56998,"end":369.31,"sentiment":"neutral","sentiment_score":0.07700178772211075},{"text":"Beautiful.","start":369.44998,"end":369.94998,"sentiment":"neutral","sentiment_score":0.19164428114891052},{"text":"And 3 thousand's the limit, is it?","start":370.81,"end":373.06998,"sentiment":"neutral","sentiment_score":0.021593782119452953},{"text":"Yeah.","start":374.16998,"end":374.56998,"sentiment":"neutral","sentiment_score":0.094832643866539},{"text":"Beautiful.","start":374.56998,"end":375.05,"sentiment":"neutral","sentiment_score":0.29178693890571594}],"sentiment":"neutral","sentiment_score":0.07361865951679647,"num_words":12,"start":368.56998,"end":375.05},{"sentences":[{"text":"Thank you for updating all those details there for me.","start":375.05,"end":377.625,"sentiment":"positive","sentiment_score":0.4284593641757965},{"text":"Now I'll jump into giving you a little bit of an update on your super there.","start":377.865,"end":380.825,"sentiment":"neutral","sentiment_score":0.03855080658104271},{"text":"So when I sort of look back at twelve months ago, your balance inside super was about $177,006.84.","start":380.825,"end":387.965,"sentiment":"neutral","sentiment_score":0.0329191368073225},{"text":"Looking at where you've gone to in the twelve month period there, you've actually made when we look at the income and the growth, this is after any fees have been taken to account.","start":388.585,"end":398.71,"sentiment":"neutral","sentiment_score":0.0958306552732692},{"text":"You've actually made a 9.66% return.","start":398.93,"end":401.75,"sentiment":"neutral","sentiment_score":0.20949620505174002}],"sentiment":"neutral","sentiment_score":0.11915679189509579,"num_words":84,"start":375.05,"end":401.75},{"sentences":[{"text":"So when we break it down to income and growth as a dollar figure, it's about 20,176 that your super has made.","start":401.81,"end":409.235,"sentiment":"neutral","sentiment_score":0.22004265880042856},{"text":"So it's a really good, a really good amount of growth for the year.","start":409.235,"end":412.675,"sentiment":"positive","sentiment_score":0.4770287701061794},{"text":"Definitely, I mean, it's going up.","start":412.675,"end":414.035,"sentiment":"positive","sentiment_score":0.39638783037662506},{"text":"And with what we've seen in the markets this year with the volatility with what's going on overseas there, it's to come out on top of the 9% return is actually really good.","start":414.035,"end":422.695,"sentiment":"positive","sentiment_score":0.34432625183553406},{"text":"Okay?","start":422.755,"end":423.255,"sentiment":"neutral","sentiment_score":0.07750596851110458}],"sentiment":"positive","sentiment_score":0.33339395442683445,"num_words":76,"start":401.81,"end":423.255},{"sentences":[{"text":"Yeah.","start":423.69,"end":424.19,"sentiment":"neutral","sentiment_score":0.02391976118087769},{"text":"I that's okay.","start":430.41,"end":432.91,"sentiment":"neutral","sentiment_score":0.16192375123500824},{"text":"Let me go back and have a look for you.","start":432.97,"end":435.47,"sentiment":"neutral","sentiment_score":0.12515903115272523},{"text":"Let's go to inception and see what we had rolled in for you.","start":435.93,"end":440.655,"sentiment":"neutral","sentiment_score":0.10993908574947944},{"text":"It won't be a second.","start":447.515,"end":448.555,"sentiment":"neutral","sentiment_score":0.10765842348337173}],"sentiment":"neutral","sentiment_score":0.11652442370541394,"num_words":32,"start":423.69,"end":448.555},{"sentences":[{"text":"I'm just popping it up here.","start":448.555,"end":450.415,"sentiment":"neutral","sentiment_score":0.12549951672554016},{"text":"So from inception, the balance I've got today so you've made about 20,000, which is a 9.66% return.","start":464.665,"end":472.925,"sentiment":"neutral","sentiment_score":0.245869023932351},{"text":"And your balance in the account at the moment were over 200,000, so 203,000 there, which sorry.","start":473.225,"end":480.01,"sentiment":"neutral","sentiment_score":0.10032684027272112},{"text":"$207,007.64 as of today's date there for you.","start":480.01,"end":484.35,"sentiment":"neutral","sentiment_score":0.11961001995950937},{"text":"And when we look at from inception of the account, which was in the 05/01/2024.","start":485.29,"end":492.845,"sentiment":"neutral","sentiment_score":0.06731617028514544}],"sentiment":"neutral","sentiment_score":0.1382940395269543,"num_words":64,"start":448.555,"end":492.845},{"sentences":[{"text":"Deposits to the account is $1.89, But you've made an 18% return since coming on board originally.","start":496.82498,"end":507.72,"sentiment":"neutral","sentiment_score":0.24819868824937763},{"text":"I'm just gonna have a look at the transactions to see what was rolled in for you.","start":507.86,"end":512.28,"sentiment":"neutral","sentiment_score":0.19816133905859554},{"text":"But you definitely make you're definitely up from when you when you came on board originally, so you have certainly made some money there, which is really, really good to see, and that's not looking at your contribution.","start":512.66,"end":522.745,"sentiment":"neutral","sentiment_score":0.32969099319981116},{"text":"So when your contributions are going into super, they're not included into the growth or the income component.","start":522.805,"end":528.405,"sentiment":"neutral","sentiment_score":-0.00878252037283447},{"text":"The income is dividends that get paid out, which gets compounded and reinvested back into your portfolio, and then the growth is considered the difference in the share price.","start":528.405,"end":537.57,"sentiment":"neutral","sentiment_score":0.06154633673100636}],"sentiment":"neutral","sentiment_score":0.18271543364971876,"num_words":119,"start":496.82498,"end":537.57},{"sentences":[{"text":"So if, for example, say, you've got, you know, a CBA and it might have been valued at $50 per share, the next day, it's a $100 per share.","start":537.57,"end":546.615,"sentiment":"neutral","sentiment_score":0.05714488633233925},{"text":"The difference in that share price is essentially your growth there.","start":546.615,"end":549.595,"sentiment":"neutral","sentiment_score":0.07656853849237616},{"text":"And whilst your contributions are going in from your employer, it's essentially considered principal, so it was not added to that growth.","start":550.535,"end":558.235,"sentiment":"neutral","sentiment_score":0.08394249291582541},{"text":"But the growth and the income is produced out of out of your capital that goes in there for you.","start":558.76,"end":564.12,"sentiment":"neutral","sentiment_score":0.15056167766451836},{"text":"Okay?","start":564.12,"end":564.6,"sentiment":"neutral","sentiment_score":0.10639862716197968}],"sentiment":"neutral","sentiment_score":0.08992557411631906,"num_words":83,"start":537.57,"end":564.6},{"sentences":[{"text":"So it is solely what your portfolio is made, which is good.","start":564.6,"end":567.98,"sentiment":"positive","sentiment_score":0.4337175786495209},{"text":"Does that make sense?","start":568.04,"end":568.83997,"sentiment":"neutral","sentiment_score":0.30477557331323624},{"text":"Did you want me to kinda break that down more for you?","start":568.83997,"end":571.07996,"sentiment":"neutral","sentiment_score":0.05720325745642185},{"text":"Well, you're welcome to ask me any questions you like.","start":571.07996,"end":573.57996,"sentiment":"neutral","sentiment_score":0.01884052325040102},{"text":"That's okay.","start":574.055,"end":574.875,"sentiment":"neutral","sentiment_score":0.05658371560275555}],"sentiment":"neutral","sentiment_score":0.18529312475584447,"num_words":40,"start":564.6,"end":574.875},{"sentences":[{"text":"Beautiful.","start":574.935,"end":575.435,"sentiment":"positive","sentiment_score":0.708950936794281},{"text":"That's alright.","start":576.375,"end":577.115,"sentiment":"neutral","sentiment_score":0.29974208027124405},{"text":"Alright.","start":577.975,"end":578.295,"sentiment":"neutral","sentiment_score":0.06833820044994354},{"text":"So I've gone back to inception, had a look at the deposits here for you.","start":578.295,"end":581.495,"sentiment":"neutral","sentiment_score":0.03246889325479666},{"text":"So the original deposit in from Sea Bass, we had a $152,009.31.","start":581.495,"end":587.915,"sentiment":"neutral","sentiment_score":0.018479951734965045}],"sentiment":"neutral","sentiment_score":0.06727632636865301,"num_words":31,"start":574.935,"end":587.915},{"sentences":[{"text":"And then was there a secondary deposit in partway through?","start":590.14,"end":594.8,"sentiment":"neutral","sentiment_score":-0.01014384781010449},{"text":"Sorry.","start":599.89996,"end":600.14,"sentiment":"neutral","sentiment_score":-0.07361525297164917},{"text":"I'm just going through all the transactions just to see when the secondary one went in.","start":600.14,"end":605.755,"sentiment":"neutral","sentiment_score":-0.05463816784322262},{"text":"If there was a secondary one.","start":605.755,"end":607.615,"sentiment":"neutral","sentiment_score":-0.0412128691871961},{"text":"No.","start":622.41,"end":622.73,"sentiment":"neutral","sentiment_score":-0.07401460409164429}],"sentiment":"neutral","sentiment_score":-0.04031047752291402,"num_words":34,"start":590.14,"end":622.73},{"sentences":[{"text":"So it just looks like it was the one rollover from SeaBus for the $1.52 $9.31.","start":622.73,"end":630.32495,"sentiment":"neutral","sentiment_score":-0.0249328657228034},{"text":"And so the total deposits would be including your contributions going in.","start":630.545,"end":635.02496,"sentiment":"neutral","sentiment_score":0.016662840809052188},{"text":"So as a total, your initial rollover plus any employer contributions and deposits to the account from inception equals at $1.89, and then your balance as of today is 207,000.","start":635.02496,"end":647.29,"sentiment":"neutral","sentiment_score":0.0468543654307723},{"text":"So you've made since inception an 18.15 return, and your portfolio has earned income and growth of from inception of about $39,009.39.","start":647.35,"end":659.735,"sentiment":"neutral","sentiment_score":0.24718213589353996},{"text":"So it's nearly 40,000 since you've come onboarding growth and and income there, which is good.","start":659.735,"end":665.735,"sentiment":"neutral","sentiment_score":0.2862024246715009}],"sentiment":"neutral","sentiment_score":0.11691567693196703,"num_words":96,"start":622.73,"end":665.735},{"sentences":[{"text":"So we are seeing a bit of growth.","start":665.735,"end":667.435,"sentiment":"neutral","sentiment_score":0.17203873954713345},{"text":"Yeah.","start":668.27997,"end":668.68,"sentiment":"positive","sentiment_score":0.3430652618408203},{"text":"You wanna make sure it's compounding and going up, so that's really good to see.","start":668.68,"end":673.01996,"sentiment":"positive","sentiment_score":0.33338425507148106},{"text":"When I go through all the individual investments within the portfolio there, they are all performing really, really nicely.","start":673.72,"end":679.89996,"sentiment":"neutral","sentiment_score":0.21551523710552015},{"text":"To give you a bit of an example, you've got some physical gold in there, which on its own has seen over 79% return for the year.","start":680.12,"end":687.315,"sentiment":"neutral","sentiment_score":0.15785162647565207}],"sentiment":"neutral","sentiment_score":0.21538460605910847,"num_words":70,"start":665.735,"end":687.315},{"sentences":[{"text":"So sorry.","start":687.315,"end":688.35504,"sentiment":"neutral","sentiment_score":0.003728799521923065},{"text":"This is from inception.","start":688.35504,"end":689.49506,"sentiment":"neutral","sentiment_score":0.06361765880137682},{"text":"So that's a good return from inception for the last twelve months.","start":689.55505,"end":692.99506,"sentiment":"neutral","sentiment_score":0.2756331687172254},{"text":"It's up over 26%.","start":692.99506,"end":694.515,"sentiment":"positive","sentiment_score":0.3797730877995491},{"text":"The physical gold has done really well.","start":694.515,"end":696.695,"sentiment":"positive","sentiment_score":0.39121194396700176}],"sentiment":"neutral","sentiment_score":0.26990007647666436,"num_words":29,"start":687.315,"end":696.695},{"sentences":[{"text":"And then your battery and lithium tech has also really done really well for twelve months up over 89%.","start":697.69,"end":703.37,"sentiment":"neutral","sentiment_score":0.32405884642350047},{"text":"So everything has shown an increase there.","start":703.37,"end":706.59,"sentiment":"neutral","sentiment_score":0.2055748158267566},{"text":"The only ones that are showing a little bit of a decrease as individual investments is your VanEck property.","start":706.89,"end":712.755,"sentiment":"neutral","sentiment_score":-0.09074454480095913},{"text":"So it's looking at property investments, both commercial and residential, and that's down by about 1.11 percent.","start":712.755,"end":719.635,"sentiment":"neutral","sentiment_score":-0.04826400730320636},{"text":"So it's not down by a lot, not having a massive effect on your portfolio.","start":719.635,"end":723.815,"sentiment":"neutral","sentiment_score":0.15824209700028102}],"sentiment":"neutral","sentiment_score":0.09643037366838038,"num_words":77,"start":697.69,"end":723.815},{"sentences":[{"text":"You do also have the Benelon Australian Equities, which originally was put into your portfolio as more of an actively managed fund.","start":724.85,"end":732.69,"sentiment":"neutral","sentiment_score":0.18692245774648406},{"text":"So the idea of an active manager in a portfolio is that they're trying to outperform against the market trying to get better returns.","start":732.69,"end":740.07,"sentiment":"neutral","sentiment_score":0.20294062669078508},{"text":"When you look at having active managers in your portfolio, there's no guarantees that they're going to do that.","start":740.505,"end":746.28503,"sentiment":"neutral","sentiment_score":0.03298446045894372},{"text":"Sometimes they do, sometimes they don't, and you do pay a little bit more to have active managers in there.","start":747.065,"end":752.28503,"sentiment":"neutral","sentiment_score":-0.010055681318044662},{"text":"When I look at how that individual investment has performed over the year, it is showing it is down a little bit at the moment.","start":752.42004,"end":759.16003,"sentiment":"neutral","sentiment_score":-0.1191249831020832}],"sentiment":"neutral","sentiment_score":0.058457596870985895,"num_words":110,"start":724.85,"end":759.16003},{"sentences":[{"text":"It's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there.","start":759.78,"end":770.74506,"sentiment":"neutral","sentiment_score":-0.1874988806067091},{"text":"What I could do if you like is I could go back and just have a look at your portfolio, maybe look at rebalancing it to make sure that you're, you know, taking on the right level of risk for where you are comfortable to be, and maybe also look at swapping out that investment if it's underperforming a little bit for you.","start":771.765,"end":787.84,"sentiment":"neutral","sentiment_score":0.06741815358991661},{"text":"Would you like me to do that?","start":787.84,"end":789.3,"sentiment":"neutral","sentiment_score":0.06560128927230835},{"text":"Yep.","start":791.44,"end":791.94,"sentiment":"neutral","sentiment_score":0.2964136004447937},{"text":"Fantastic.","start":792.08,"end":792.58,"sentiment":"positive","sentiment_score":0.4701529145240784}],"sentiment":"neutral","sentiment_score":-0.006803274704586892,"num_words":105,"start":759.78,"end":792.58},{"sentences":[{"text":"Did you want me to look at other active managers to keep to try and outperform against the market, or would you like to look at more of a passively managed investment, which might be a bit lower cost for you?","start":793.695,"end":803.955,"sentiment":"neutral","sentiment_score":0.12199690320142885},{"text":"That's okay.","start":812.82996,"end":813.64996,"sentiment":"neutral","sentiment_score":-0.015227323397994041},{"text":"Yeah.","start":815.70996,"end":816.11,"sentiment":"neutral","sentiment_score":0.05529165267944336},{"text":"That's okay.","start":816.11,"end":816.75,"sentiment":"neutral","sentiment_score":0.09942717850208282},{"text":"So if you wanted to, what we could look at doing is I could look at trying to reduce some of the investment costs for you.","start":816.75,"end":822.825,"sentiment":"neutral","sentiment_score":0.10550571233034134}],"sentiment":"neutral","sentiment_score":0.11067656826020943,"num_words":72,"start":793.695,"end":822.825},{"sentences":[{"text":"The difference between an active and a passive manager, as I mentioned, an active investment manager is trying to buy and sell and pick the times that they buy into the market and buy into certain investments.","start":823.125,"end":832.96497,"sentiment":"neutral","sentiment_score":0.020685960211463877},{"text":"They're trying to outperform against the market.","start":832.96497,"end":834.75,"sentiment":"neutral","sentiment_score":0.06842551540051188},{"text":"So they are they are doing a lot more trading in the back end.","start":834.75,"end":837.49,"sentiment":"neutral","sentiment_score":0.044380356557667255},{"text":"With a passive investment, something like, as an example, the S and P 500, you're just tracking the market and following it up and down.","start":837.63,"end":845.33,"sentiment":"neutral","sentiment_score":0.023974969051778316},{"text":"The investment managers are just tracking the market and making changes as the indices are.","start":845.55005,"end":850.365,"sentiment":"neutral","sentiment_score":0.0385344331463178}],"sentiment":"neutral","sentiment_score":0.031051784193105236,"num_words":98,"start":823.125,"end":850.365},{"sentences":[{"text":"They're tracking certain indices depending on what you're invested in.","start":850.365,"end":853.825,"sentiment":"neutral","sentiment_score":0.06916490718722343},{"text":"They're not trying to outperform against the market.","start":853.885,"end":855.96497,"sentiment":"neutral","sentiment_score":0.09225789178162813},{"text":"They're trying to stay in the market and follow the market trends.","start":855.96497,"end":859.025,"sentiment":"neutral","sentiment_score":0.18544122949242592},{"text":"And often just participating in the market and being in those sorts of index funds actually provides a greater return than having an active manager can.","start":859.34,"end":868.08,"sentiment":"neutral","sentiment_score":0.33000845175523025},{"text":"It just sort of depends on what the market does and how good the manager is that year and a few other factors.","start":868.14,"end":874.16003,"sentiment":"neutral","sentiment_score":0.18087138429931973}],"sentiment":"neutral","sentiment_score":0.20753504486778115,"num_words":79,"start":850.365,"end":874.16003},{"sentences":[{"text":"But having a passively managed investment fund can also be a little bit cheaper for you.","start":874.455,"end":878.695,"sentiment":"neutral","sentiment_score":0.308816846460104},{"text":"Did you want me to sort of look at making it cost effective, or did you wanna take a bit more risk and maybe see if we can outperform against the market?","start":878.695,"end":886.215,"sentiment":"neutral","sentiment_score":0.08969397330656648},{"text":"What would you like?","start":886.215,"end":887.275,"sentiment":"neutral","sentiment_score":0.01900830352678895},{"text":"Cost effective.","start":892.08,"end":892.82,"sentiment":"neutral","sentiment_score":0.12276355549693108},{"text":"Yeah.","start":893.04004,"end":893.52,"sentiment":"neutral","sentiment_score":0.1634582132101059}],"sentiment":"neutral","sentiment_score":0.15084173140878027,"num_words":55,"start":874.455,"end":893.52},{"sentences":[{"text":"Perfect.","start":893.52,"end":894.02,"sentiment":"positive","sentiment_score":0.5091391801834106},{"text":"Yep.","start":894.56,"end":895.04004,"sentiment":"neutral","sentiment_score":0.27412500977516174},{"text":"That's okay.","start":895.04004,"end":895.60004,"sentiment":"neutral","sentiment_score":0.23086459934711456},{"text":"Did you have more questions?","start":895.60004,"end":896.72003,"sentiment":"neutral","sentiment_score":0.026862046495079995},{"text":"Did you want me to break any of that down a bit more?","start":896.72003,"end":899.04004,"sentiment":"neutral","sentiment_score":0.012363773555709766}],"sentiment":"neutral","sentiment_score":0.0700014853342013,"num_words":22,"start":893.52,"end":899.04004},{"sentences":[{"text":"You're welcome to ask me if you need more clarification.","start":899.04004,"end":901.78,"sentiment":"neutral","sentiment_score":-0.09102428127080202},{"text":"Okay.","start":909.805,"end":910.285,"sentiment":"neutral","sentiment_score":-0.029336029663681984},{"text":"That's alright.","start":910.285,"end":911.105,"sentiment":"neutral","sentiment_score":-0.026081762043759227},{"text":"Yeah.","start":914.045,"end":914.545,"sentiment":"neutral","sentiment_score":-0.026761388406157497},{"text":"Yeah.","start":918.14,"end":918.64,"sentiment":"neutral","sentiment_score":-0.004704584367573261}],"sentiment":"neutral","sentiment_score":-0.06821388928219677,"num_words":15,"start":899.04004,"end":918.64},{"sentences":[{"text":"Yeah.","start":921.34,"end":921.82,"sentiment":"neutral","sentiment_score":0.09296683967113496},{"text":"Absolutely.","start":921.82,"end":922.32,"sentiment":"neutral","sentiment_score":0.18318672478199005},{"text":"I know some of these things do get sent through via email, so you're welcome just to let us know or even email back and say, hey.","start":922.94,"end":929.275,"sentiment":"neutral","sentiment_score":0.1561420628869975},{"text":"I need a bit of help reading through this.","start":929.275,"end":931.115,"sentiment":"neutral","sentiment_score":0.08706773569186528},{"text":"Can you explain it to me?","start":931.115,"end":932.815,"sentiment":"neutral","sentiment_score":0.07736481167376041}],"sentiment":"neutral","sentiment_score":0.13044972167435018,"num_words":44,"start":921.34,"end":932.815},{"sentences":[{"text":"I'll make a time.","start":933.035,"end":933.755,"sentiment":"neutral","sentiment_score":0.09363287501037121},{"text":"We can look at the same statement and go through it with you, look at what it says, and you're welcome to ask those questions.","start":933.755,"end":939.595,"sentiment":"neutral","sentiment_score":0.15971550971269607},{"text":"Absolutely.","start":939.595,"end":940.095,"sentiment":"neutral","sentiment_score":0.29741954803466797},{"text":"That's not a problem at all.","start":943.44,"end":945.3,"sentiment":"positive","sentiment_score":0.42112171401580173},{"text":"Now, Colleen, having a look at the way you are invested, you are in a growth portfolio at the moment.","start":946.0,"end":951.12,"sentiment":"neutral","sentiment_score":0.06637097168713808}],"sentiment":"neutral","sentiment_score":0.1521247947987701,"num_words":56,"start":933.035,"end":951.12},{"sentences":[{"text":"So when we look at the portfolios and your risk level, we wanna make sure you're invested in a way that you're comfortable with the risk you're taking, that you're getting the returns that you're that we're tracking or that we're after with regard to the portfolio, but that you are comfortable with the volatility, the and downs that you're seeing as well because that kinda goes coincide with the risk.","start":951.12,"end":971.31006,"sentiment":"neutral","sentiment_score":0.08446217616888839},{"text":"The the growth portfolio generally suits someone who has at least six years before they're willing to access their super.","start":972.09,"end":979.07,"sentiment":"neutral","sentiment_score":0.17438072711229324},{"text":"So because you've sort of said about age 63 at the moment, you're 57 now, you have just on that 60 time horizon, five years if we look at, you know, your birthday coming up in November this year.","start":979.53,"end":993.455,"sentiment":"neutral","sentiment_score":0.08140440619526765},{"text":"In that growth environment, you sort of generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver.","start":994.01,"end":1005.95,"sentiment":"neutral","sentiment_score":0.13316932167200482},{"text":"And those are the investors where we do see we take a bit more risk, but we want the better returns, and they do, over the longer term, provide greater levels of returns.","start":1006.225,"end":1014.725,"sentiment":"neutral","sentiment_score":0.2059659423927466}],"sentiment":"neutral","sentiment_score":0.12174534988660497,"num_words":197,"start":951.12,"end":1014.725},{"sentences":[{"text":"Then you also see about 20% in those lower risk investments, the things like cash, bonds, and fixed interest.","start":1016.385,"end":1022.43,"sentiment":"neutral","sentiment_score":0.1412393031151671},{"text":"Do you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level?","start":1022.88995,"end":1031.8124,"sentiment":"neutral","sentiment_score":0.06384987975268261},{"text":"How do you feel?","start":1031.8124,"end":1032.6,"sentiment":"neutral","sentiment_score":0.023679809644818306},{"text":"Yeah.","start":1036.335,"end":1036.835,"sentiment":"neutral","sentiment_score":-0.0040868185460567474},{"text":"Yeah.","start":1047.87,"end":1048.27,"sentiment":"neutral","sentiment_score":0.06093844771385193}],"sentiment":"neutral","sentiment_score":0.08129876190927667,"num_words":71,"start":1016.385,"end":1048.27},{"sentences":[{"text":"That's okay.","start":1048.27,"end":1049.17,"sentiment":"neutral","sentiment_score":0.1075061522424221},{"text":"Yep.","start":1054.03,"end":1054.53,"sentiment":"neutral","sentiment_score":0.1198647767305374},{"text":"It is.","start":1057.245,"end":1057.885,"sentiment":"neutral","sentiment_score":0.11273329704999924},{"text":"It is.","start":1057.885,"end":1058.445,"sentiment":"neutral","sentiment_score":0.1700129359960556},{"text":"Yeah.","start":1058.445,"end":1058.845,"sentiment":"neutral","sentiment_score":0.2952118515968323}],"sentiment":"neutral","sentiment_score":0.14944767486304045,"num_words":8,"start":1048.27,"end":1058.845},{"sentences":[{"text":"Definitely.","start":1058.845,"end":1059.345,"sentiment":"positive","sentiment_score":0.370546817779541},{"text":"So there are ways to boost your super.","start":1059.645,"end":1061.825,"sentiment":"positive","sentiment_score":0.34243508987128735},{"text":"One of those is to take on a bit more risk, like stay in this portfolio a little bit longer.","start":1062.125,"end":1067.005,"sentiment":"neutral","sentiment_score":-0.054034121334552765},{"text":"However, you are aware that in the short term, we could see those market ups and downs.","start":1067.005,"end":1071.885,"sentiment":"neutral","sentiment_score":-0.08293763548135757},{"text":"So in the next twelve months, depending on what happens in the market and with the world, generally, we could come out next year and have, you know, a negative one, two, five, ten percent depending on what happens.","start":1071.885,"end":1082.27,"sentiment":"neutral","sentiment_score":-0.07796316842238109}],"sentiment":"neutral","sentiment_score":-0.02848421484231949,"num_words":85,"start":1058.845,"end":1082.27},{"sentences":[{"text":"And then we just wanna make sure you can stay in that portfolio and not maybe make any changes until it recovers back and we do see a positive return.","start":1082.41,"end":1091.285,"sentiment":"neutral","sentiment_score":-0.07295621205121279},{"text":"In this sort of a portfolio, the likelihood of a negative return is expected sort of one in every six years.","start":1091.905,"end":1097.425,"sentiment":"neutral","sentiment_score":-0.2452522608495894},{"text":"So over the course of the next six years, you can expect at least one year where there is a negative return.","start":1097.425,"end":1102.88,"sentiment":"neutral","sentiment_score":-0.19810652597384018},{"text":"So it's more just about making sure you're comfortable with that.","start":1103.9,"end":1106.96,"sentiment":"neutral","sentiment_score":-0.12529121813448993},{"text":"The other option is if you wanted to reduce your risk, we could look at additional contributions, but you sort of said you don't really have the cash flow for that at the moment.","start":1107.26,"end":1115.1449,"sentiment":"neutral","sentiment_score":-0.041709018268567676}],"sentiment":"neutral","sentiment_score":-0.12282743585943165,"num_words":118,"start":1082.41,"end":1115.1449},{"sentences":[{"text":"You're paying the mortgage.","start":1115.1449,"end":1116.5249,"sentiment":"neutral","sentiment_score":-0.10261734016239643},{"text":"Yeah.","start":1116.9049,"end":1117.4049,"sentiment":"neutral","sentiment_score":-0.021888893097639084},{"text":"That's okay.","start":1119.065,"end":1119.865,"sentiment":"neutral","sentiment_score":0.0018430724740028381},{"text":"Did you wanna just say yep.","start":1119.865,"end":1122.6649,"sentiment":"neutral","sentiment_score":-0.010806260940929254},{"text":"Absolutely.","start":1122.6649,"end":1123.1649,"sentiment":"neutral","sentiment_score":0.09691354632377625}],"sentiment":"neutral","sentiment_score":-0.02832829486578703,"num_words":14,"start":1115.1449,"end":1123.1649},{"sentences":[{"text":"Not a problem.","start":1123.465,"end":1124.345,"sentiment":"neutral","sentiment_score":0.11578036348025005},{"text":"What I can do is, if you like, I can do another catch up with you in about six months to see how things are tracking, And then you've always got the option if you wanted to to say, hey.","start":1124.345,"end":1133.2001,"sentiment":"neutral","sentiment_score":0.04828726244159043},{"text":"I wanna reduce the risk a little bit.","start":1133.2001,"end":1134.7201,"sentiment":"neutral","sentiment_score":0.02375992713496089},{"text":"We can always look at doing that for you.","start":1134.7201,"end":1136.74,"sentiment":"neutral","sentiment_score":0.06691120544241534},{"text":"Yep.","start":1138.8,"end":1139.28,"sentiment":"neutral","sentiment_score":0.25638648867607117}],"sentiment":"neutral","sentiment_score":0.054549153161342026,"num_words":61,"start":1123.465,"end":1139.28},{"sentences":[{"text":"Beautiful.","start":1139.28,"end":1139.78,"sentiment":"positive","sentiment_score":0.4267549514770508},{"text":"Not a problem at all.","start":1139.8401,"end":1140.7201,"sentiment":"neutral","sentiment_score":0.1534506618976593},{"text":"So for the time being, I'll just go back and reassess the portfolio, have a bit of a look at rebalancing a few things to make sure that you're not overexposed currently, and maybe just swap out the underperforming investment for you.","start":1140.7201,"end":1152.055,"sentiment":"neutral","sentiment_score":0.0227559417308796},{"text":"Is that okay for the moment?","start":1152.055,"end":1153.515,"sentiment":"neutral","sentiment_score":0.0076998186608155566},{"text":"Yep.","start":1155.415,"end":1155.915,"sentiment":"positive","sentiment_score":0.46076568961143494}],"sentiment":"neutral","sentiment_score":0.048304043913429434,"num_words":55,"start":1139.28,"end":1155.915},{"sentences":[{"text":"Beautiful.","start":1155.9751,"end":1156.4751,"sentiment":"positive","sentiment_score":0.5052624344825745},{"text":"That's okay.","start":1156.535,"end":1157.275,"sentiment":"neutral","sentiment_score":0.15497530065476894},{"text":"So your super is performing really nicely for the year, which is fantastic.","start":1158.12,"end":1161.5,"sentiment":"positive","sentiment_score":0.8047917531086848},{"text":"I've also got your insurance policy here.","start":1161.96,"end":1164.04,"sentiment":"neutral","sentiment_score":0.24279619327613286},{"text":"So you do have your nearest insurance policy.","start":1164.04,"end":1166.46,"sentiment":"neutral","sentiment_score":0.11530120205134153}],"sentiment":"positive","sentiment_score":0.44837060630802184,"num_words":31,"start":1155.9751,"end":1166.46},{"sentences":[{"text":"You've got your life cover, which currently has a sum insured of 262,500, and then your TPD with the same level of cover.","start":1167.08,"end":1175.9349,"sentiment":"neutral","sentiment_score":0.10613139653983324},{"text":"If in the event of you passing away with your mortgage only being at that $140,000 mark, your life insurance is paid out to your beneficiary, which I do have here noted for you is sorry.","start":1176.475,"end":1189.6299,"sentiment":"neutral","sentiment_score":-0.006606362475496199},{"text":"Beneficiaries, I've got David and Jenna.","start":1190.8099,"end":1195.23,"sentiment":"neutral","sentiment_score":-0.0022336586844176054},{"text":"So one's your child and one's your spouse.","start":1195.7699,"end":1198.0099,"sentiment":"neutral","sentiment_score":0.008064202382229269},{"text":"Is that right?","start":1198.0099,"end":1198.83,"sentiment":"neutral","sentiment_score":0.019208913979430992}],"sentiment":"neutral","sentiment_score":0.030420151055104247,"num_words":76,"start":1167.08,"end":1198.83},{"sentences":[{"text":"Yeah.","start":1203.115,"end":1203.275,"sentiment":"neutral","sentiment_score":0.007318063173443079},{"text":"There is.","start":1203.275,"end":1204.015,"sentiment":"neutral","sentiment_score":0.007359171286225319},{"text":"Yeah.","start":1206.155,"end":1206.655,"sentiment":"neutral","sentiment_score":0.02440398558974266},{"text":"They you have.","start":1207.515,"end":1208.315,"sentiment":"neutral","sentiment_score":0.024663815274834633},{"text":"You've got Sophie there as well.","start":1208.315,"end":1209.995,"sentiment":"neutral","sentiment_score":0.029514889232814312}],"sentiment":"neutral","sentiment_score":0.022886244042848166,"num_words":13,"start":1203.115,"end":1209.995},{"sentences":[{"text":"Yeah.","start":1209.995,"end":1210.235,"sentiment":"neutral","sentiment_score":0.03009713813662529},{"text":"They've just noted a little bit further down the page for us.","start":1210.235,"end":1212.475,"sentiment":"neutral","sentiment_score":0.02525936362023155},{"text":"So it looks like you've got 50% to David, 25% to to Jenna, and 25% to Sophie.","start":1212.475,"end":1219.8201,"sentiment":"neutral","sentiment_score":0.029427630388561415},{"text":"Is that right?","start":1219.8201,"end":1220.7201,"sentiment":"neutral","sentiment_score":0.045108127097288765},{"text":"Yes.","start":1222.2201,"end":1222.7001,"sentiment":"neutral","sentiment_score":0.16219088435173035}],"sentiment":"neutral","sentiment_score":0.03326454364201602,"num_words":34,"start":1209.995,"end":1222.7001},{"sentences":[{"text":"Perfect.","start":1222.7001,"end":1223.2001,"sentiment":"neutral","sentiment_score":0.3212958574295044},{"text":"Perfect.","start":1223.26,"end":1223.66,"sentiment":"neutral","sentiment_score":0.28571125864982605},{"text":"And with your sleep, we're just checking the beneficiaries there for you as well.","start":1223.66,"end":1227.52,"sentiment":"neutral","sentiment_score":0.12703742512634822},{"text":"You've got, sorry.","start":1228.38,"end":1233.365,"sentiment":"neutral","sentiment_score":0.016382854121426742},{"text":"Takes a second for the computer to wake up.","start":1233.9049,"end":1235.825,"sentiment":"neutral","sentiment_score":0.006334830799864398}],"sentiment":"neutral","sentiment_score":0.08898903955040234,"num_words":28,"start":1222.7001,"end":1235.825},{"sentences":[{"text":"There we go.","start":1235.825,"end":1236.6449,"sentiment":"neutral","sentiment_score":0.057076012094815574},{"text":"I've got a 100% to David for in regards to your super.","start":1236.865,"end":1240.3849,"sentiment":"neutral","sentiment_score":0.11437049073477586},{"text":"Does that sound about right?","start":1240.3849,"end":1241.845,"sentiment":"neutral","sentiment_score":0.07768452912569046},{"text":"Yep.","start":1243.2,"end":1243.6,"sentiment":"neutral","sentiment_score":0.11063322424888612},{"text":"Perfect.","start":1243.6,"end":1244.1,"sentiment":"neutral","sentiment_score":0.2100832760334015}],"sentiment":"neutral","sentiment_score":0.10240059413693169,"num_words":22,"start":1235.825,"end":1244.1},{"sentences":[{"text":"So when we sort of look at this, just based on the current balance there, your super in the event of passing is fully paid out, which is, at the moment, a balance of 207,712.","start":1244.1599,"end":1255.5399,"sentiment":"neutral","sentiment_score":0.07650485613516399},{"text":"And then he would also be able to receive or claim 50% of your life insurance there, and then your two children being able to claim 25% there as well.","start":1255.855,"end":1264.5149,"sentiment":"neutral","sentiment_score":0.12283619021375974},{"text":"But based on the balances, would pay out the mortgage.","start":1264.6549,"end":1267.3949,"sentiment":"neutral","sentiment_score":0.013991358038038016},{"text":"Is there anything else that you kind of wanted to cover with regard to your insurances, or was it just clearing the mortgage and giving them some extra money?","start":1267.455,"end":1275.27,"sentiment":"neutral","sentiment_score":-0.0127763366005544},{"text":"Or Yeah.","start":1275.27,"end":1283.225,"sentiment":"neutral","sentiment_score":0.01414672564715147}],"sentiment":"neutral","sentiment_score":0.05811744284341639,"num_words":106,"start":1244.1599,"end":1283.225},{"sentences":[{"text":"Yep.","start":1287.765,"end":1288.265,"sentiment":"neutral","sentiment_score":0.0030697814654558897},{"text":"Takes takes some time off.","start":1288.405,"end":1291.125,"sentiment":"neutral","sentiment_score":-0.0461674153804779},{"text":"Absolutely.","start":1291.125,"end":1291.625,"sentiment":"neutral","sentiment_score":0.20688727498054504},{"text":"Yep.","start":1292.645,"end":1293.045,"sentiment":"neutral","sentiment_score":0.24483488500118256},{"text":"Perfect.","start":1293.045,"end":1293.545,"sentiment":"positive","sentiment_score":0.6391224265098572}],"sentiment":"neutral","sentiment_score":0.09589747678385013,"num_words":9,"start":1287.765,"end":1293.545},{"sentences":[{"text":"Excellent.","start":1293.685,"end":1294.005,"sentiment":"positive","sentiment_score":0.6405009031295776},{"text":"Well, the life benefit and the TBD benefit there at the moment do sort of meet that goal, which is fantastic.","start":1294.005,"end":1299.5299,"sentiment":"positive","sentiment_score":0.5000878473122915},{"text":"So retaining that is preferable for the moment.","start":1299.75,"end":1302.6499,"sentiment":"neutral","sentiment_score":0.13505006954073906},{"text":"We'll keep reviewing that with you.","start":1303.19,"end":1304.87,"sentiment":"neutral","sentiment_score":0.07395926676690578},{"text":"Obviously, with your insurance is the older you get, the likelihood of you claiming increases.","start":1304.87,"end":1309.665,"sentiment":"neutral","sentiment_score":-0.06813722221801678}],"sentiment":"neutral","sentiment_score":0.228322421967545,"num_words":51,"start":1293.685,"end":1309.665},{"sentences":[{"text":"So the policy does get more expensive over time and does provide an effect on your super.","start":1309.9651,"end":1315.165,"sentiment":"neutral","sentiment_score":-0.05484128962544834},{"text":"So we'll just make sure we keep reviewing that with you.","start":1315.165,"end":1317.905,"sentiment":"neutral","sentiment_score":0.004242815415967594},{"text":"And if you ever wanted to reduce the level or a bit you know, the cost is a bit too high, just let me know.","start":1318.4451,"end":1323.36,"sentiment":"neutral","sentiment_score":-0.05063426166772842},{"text":"We can always look at that for you.","start":1323.36,"end":1325.04,"sentiment":"neutral","sentiment_score":-0.013903460232540965},{"text":"Okay?","start":1325.04,"end":1325.54,"sentiment":"neutral","sentiment_score":-0.022284386679530144}],"sentiment":"neutral","sentiment_score":-0.03685483168209753,"num_words":62,"start":1309.9651,"end":1325.54},{"sentences":[{"text":"Absolutely.","start":1330.0801,"end":1330.5801,"sentiment":"neutral","sentiment_score":0.03989342600107193},{"text":"Yeah.","start":1330.9601,"end":1331.36,"sentiment":"neutral","sentiment_score":0.022105474025011063},{"text":"Definitely.","start":1331.36,"end":1331.86,"sentiment":"neutral","sentiment_score":0.05404286831617355},{"text":"Yeah.","start":1332.3201,"end":1332.8201,"sentiment":"neutral","sentiment_score":0.034841179847717285},{"text":"Now it does look like you bought any kind of income protection or trauma insurance.","start":1333.36,"end":1337.4049,"sentiment":"neutral","sentiment_score":-0.0029604703187942503}],"sentiment":"neutral","sentiment_score":0.005603994389897899,"num_words":19,"start":1330.0801,"end":1337.4049},{"sentences":[{"text":"So income protection does really pay out an income benefit, a monthly benefit if you're unable to go to work.","start":1337.4049,"end":1344.065,"sentiment":"neutral","sentiment_score":-0.00776287754997611},{"text":"If you were not able to work due to illness or injury, does David bring home enough money for you guys to survive, or do you have anything else to fall back on?","start":1344.205,"end":1352.14,"sentiment":"neutral","sentiment_score":-0.041731962539029846},{"text":"Would survive.","start":1355.56,"end":1356.28,"sentiment":"neutral","sentiment_score":0.1581735834479332},{"text":"Yep.","start":1356.28,"end":1356.52,"sentiment":"neutral","sentiment_score":0.08781138062477112},{"text":"That's okay.","start":1356.52,"end":1357.34,"sentiment":"neutral","sentiment_score":0.1498449444770813}],"sentiment":"neutral","sentiment_score":-0.014285584108839774,"num_words":58,"start":1337.4049,"end":1357.34},{"sentences":[{"text":"Perfect.","start":1358.6,"end":1359.1,"sentiment":"neutral","sentiment_score":0.29039114713668823},{"text":"And with trauma, trauma is a a type of cover that pays out a lump sum tax rate benefit if you were to be diagnosed with, say, a heart attack, a stroke, certain neurological conditions.","start":1359.56,"end":1369.765,"sentiment":"neutral","sentiment_score":0.02902427273137229},{"text":"Cancer's probably the biggest one.","start":1369.765,"end":1371.5449,"sentiment":"neutral","sentiment_score":-0.09236130714416504},{"text":"Trauma, you can't pay for inside.","start":1372.005,"end":1373.845,"sentiment":"neutral","sentiment_score":-0.06147759035229683},{"text":"So, but did you wanna look at getting any additional insurances?","start":1373.845,"end":1376.585,"sentiment":"neutral","sentiment_score":-0.002647381614555012}],"sentiment":"neutral","sentiment_score":0.007697369261034604,"num_words":58,"start":1358.6,"end":1376.585},{"sentences":[{"text":"Are you happy just with the life in TPD you have at the moment?","start":1376.645,"end":1379.96,"sentiment":"neutral","sentiment_score":0.03208626753517559},{"text":"Please.","start":1382.9,"end":1383.4,"sentiment":"neutral","sentiment_score":0.14313575625419617},{"text":"That's absolutely fine.","start":1384.1,"end":1385.54,"sentiment":"neutral","sentiment_score":0.3278595507144928},{"text":"If you ever wanted to get a bit more information or have a more in-depth conversation around those, do let me know.","start":1385.54,"end":1390.98,"sentiment":"neutral","sentiment_score":0.19805185496807098},{"text":"I'm more than happy to assist you in that area.","start":1390.98,"end":1393.24,"sentiment":"neutral","sentiment_score":0.2425135500729084}],"sentiment":"neutral","sentiment_score":0.16716396927833557,"num_words":50,"start":1376.645,"end":1393.24},{"sentences":[{"text":"Okay.","start":1393.38,"end":1393.88,"sentiment":"neutral","sentiment_score":0.30187276005744934},{"text":"That's alright.","start":1394.635,"end":1395.375,"sentiment":"positive","sentiment_score":0.41847024857997894},{"text":"We've basically gone through most things.","start":1396.155,"end":1397.915,"sentiment":"positive","sentiment_score":0.35501688222090405},{"text":"Now you're still working at the same employer.","start":1397.915,"end":1399.835,"sentiment":"positive","sentiment_score":0.34494440257549286},{"text":"I can see that your contributions are going in, which is fantastic.","start":1399.835,"end":1403.215,"sentiment":"positive","sentiment_score":0.7073370118935903}],"sentiment":"positive","sentiment_score":0.5005694453058571,"num_words":29,"start":1393.38,"end":1403.215},{"sentences":[{"text":"Have you guys got our updated will, power of attorney?","start":1404.5549,"end":1407.4349,"sentiment":"neutral","sentiment_score":0.05701050609350204},{"text":"Have you talked about doing the estate planning side of things?","start":1407.4349,"end":1410.55,"sentiment":"neutral","sentiment_score":0.010530782355503603},{"text":"Yeah.","start":1412.77,"end":1413.27,"sentiment":"neutral","sentiment_score":-0.03735020011663437},{"text":"No.","start":1413.5701,"end":1414.0701,"sentiment":"neutral","sentiment_score":-0.19767627120018005},{"text":"Yeah.","start":1415.65,"end":1416.05,"sentiment":"neutral","sentiment_score":0.035076625645160675}],"sentiment":"neutral","sentiment_score":0.020249742548912764,"num_words":24,"start":1404.5549,"end":1416.05},{"sentences":[{"text":"That's okay.","start":1416.05,"end":1416.6901,"sentiment":"neutral","sentiment_score":0.08960464596748352},{"text":"Would you like us to send you an email just with some information on a local solicitor at a bit of a costing?","start":1416.6901,"end":1421.91,"sentiment":"neutral","sentiment_score":0.05612473100747751},{"text":"It's not a referral to them as such.","start":1422.345,"end":1423.865,"sentiment":"neutral","sentiment_score":-0.015190069418167695},{"text":"It's more just some information to kind of help the conversation to to give you an idea of what it might cost to do that.","start":1423.865,"end":1429.625,"sentiment":"neutral","sentiment_score":0.041510767117142675},{"text":"It's really great for starting that conversation.","start":1429.625,"end":1431.645,"sentiment":"positive","sentiment_score":0.4470447621175221}],"sentiment":"neutral","sentiment_score":0.08485600096173584,"num_words":65,"start":1416.05,"end":1431.645},{"sentences":[{"text":"Perfect.","start":1431.945,"end":1432.445,"sentiment":"positive","sentiment_score":0.5280746221542358},{"text":"Not a problem.","start":1433.945,"end":1434.665,"sentiment":"positive","sentiment_score":0.3394803007443746},{"text":"I'll get that out to you.","start":1434.665,"end":1436.525,"sentiment":"positive","sentiment_score":0.3367716421683629},{"text":"Now the only other thing to go through and let you know is we do send out the annual review pack.","start":1436.85,"end":1440.69,"sentiment":"neutral","sentiment_score":0.19554061832882108},{"text":"So we go through this annual review.","start":1440.69,"end":1442.9299,"sentiment":"neutral","sentiment_score":0.2016018373625619}],"sentiment":"neutral","sentiment_score":0.23907134799580826,"num_words":38,"start":1431.945,"end":1442.9299},{"sentences":[{"text":"It looks like there is a bit of advice that I'm gonna go back and update for you with regards to the investments, which is fantastic.","start":1442.9299,"end":1448.3099,"sentiment":"neutral","sentiment_score":0.3186476626075231},{"text":"Moving forward, I'll do a six month review with you just to see how things are going.","start":1449.105,"end":1453.525,"sentiment":"neutral","sentiment_score":0.13052498286261277},{"text":"And just to let you know as well, Colleen, because you are working and life's a bit hectic, I also do work in the afternoon, so I can always make calls after work for you if you need to as well, work around your work schedule just to make things a little bit easier on you.","start":1454.225,"end":1468.36,"sentiment":"neutral","sentiment_score":0.08422292446318481},{"text":"I'll I'll get my colleague, Michelle, to send out the annual review pack.","start":1469.22,"end":1472.66,"sentiment":"neutral","sentiment_score":0.19944673088880685},{"text":"As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there.","start":1472.66,"end":1490.79,"sentiment":"neutral","sentiment_score":0.1472381493240072}],"sentiment":"neutral","sentiment_score":0.15506289774805485,"num_words":169,"start":1442.9299,"end":1490.79},{"sentences":[{"text":"Have a look through those.","start":1490.79,"end":1491.67,"sentiment":"neutral","sentiment_score":0.06901970095932483},{"text":"If you do happen to have any questions, please email us back.","start":1491.67,"end":1494.81,"sentiment":"neutral","sentiment_score":0.04513365775346756},{"text":"Let me know.","start":1495.11,"end":1495.83,"sentiment":"neutral","sentiment_score":0.0673958882689476},{"text":"I'll make some time to go through those with you and kinda break it down.","start":1495.83,"end":1498.79,"sentiment":"neutral","sentiment_score":0.1141259918610255},{"text":"I know it can be a lot when I'm sort of explaining it to you and then you see it after the fact.","start":1498.79,"end":1503.6901,"sentiment":"neutral","sentiment_score":0.036358319222927094}],"sentiment":"neutral","sentiment_score":0.06270726349461696,"num_words":58,"start":1490.79,"end":1503.6901},{"sentences":[{"text":"I've also got it attached to the financial services guide, which essentially outlines everything about who we are, what we do, how we do it.","start":1504.265,"end":1511.225,"sentiment":"neutral","sentiment_score":0.25524274289608},{"text":"It's also got a lovely picture of me in there for you and all my licensing number as well as a licensed adviser.","start":1511.225,"end":1517.625,"sentiment":"positive","sentiment_score":0.39773578488308453},{"text":"I am registered through ASIC for you.","start":1517.625,"end":1519.7799,"sentiment":"neutral","sentiment_score":0.16015681198665074},{"text":"Okay.","start":1519.7799,"end":1520.2799,"sentiment":"neutral","sentiment_score":0.17222575843334198},{"text":"Excellent.","start":1521.3799,"end":1521.8799,"sentiment":"positive","sentiment_score":0.7340630292892456}],"sentiment":"neutral","sentiment_score":0.3080066332691594,"num_words":57,"start":1504.265,"end":1521.8799},{"sentences":[{"text":"And then we've also got the ongoing service agreement for the next twelve months there.","start":1522.5,"end":1526.4199,"sentiment":"neutral","sentiment_score":0.18321273624897003},{"text":"So just to kind of make sure that you are fully aware, you do pay an ongoing service fee for our services.","start":1526.4199,"end":1532.625,"sentiment":"neutral","sentiment_score":0.1105958717790517},{"text":"So having us look after your super, it is 1.65% per annum, but then it's deducted in smaller monthly increments out of your super.","start":1532.625,"end":1540.4651,"sentiment":"neutral","sentiment_score":0.09919218455130856},{"text":"And the idea of a percentage based fee is that it fluctuates with the market.","start":1540.4651,"end":1544.0651,"sentiment":"neutral","sentiment_score":0.0676278884212176},{"text":"So when the market is doing really well and you've got a lovely 9% return there, then our fee is obviously gonna increase there with it.","start":1544.0651,"end":1550.83,"sentiment":"neutral","sentiment_score":0.14764203045230645}],"sentiment":"neutral","sentiment_score":0.1217159193155228,"num_words":102,"start":1522.5,"end":1550.83},{"sentences":[{"text":"However, if the market took a bit of a dip, you had a negative return because of what was happening in the market globally, then our fee is gonna take a bit of a dip there with it as well.","start":1550.83,"end":1560.465,"sentiment":"neutral","sentiment_score":-0.18164924648590386},{"text":"So we don't wanna be charging you the same fee every year, every month regardless of what your portfolio is doing so it is linked to your portfolio as well.","start":1560.465,"end":1568.465,"sentiment":"neutral","sentiment_score":-0.022546294828255972},{"text":"Okay?","start":1568.465,"end":1568.965,"sentiment":"neutral","sentiment_score":0.09539566934108734},{"text":"That's okay.","start":1570.545,"end":1571.445,"sentiment":"positive","sentiment_score":0.37328125536441803},{"text":"And we'll also just have a a tax file opt in form.","start":1571.585,"end":1574.66,"sentiment":"neutral","sentiment_score":0.17874439805746078}],"sentiment":"neutral","sentiment_score":-0.05829962055911036,"num_words":85,"start":1550.83,"end":1574.66},{"sentences":[{"text":"So we just like to make sure you're aware that we do hold your tax phone number because we help set up your suit and your insurance side of things.","start":1574.66,"end":1581.72,"sentiment":"neutral","sentiment_score":0.13097742100556692},{"text":"However, we just like to make sure that you're aware of that information, and this is just the form that we'll get you to sign and return just acknowledging that you're aware of that.","start":1582.5,"end":1590.475,"sentiment":"neutral","sentiment_score":0.14010458549155907},{"text":"And we are very security conscious.","start":1590.6951,"end":1592.375,"sentiment":"neutral","sentiment_score":0.08132369257509708},{"text":"You may have known we do security with you whenever we call you or you call us, just making sure that we are protecting all of your security, especially in the climate that we're in at the moment there.","start":1592.375,"end":1602.06,"sentiment":"neutral","sentiment_score":0.0437421483011582},{"text":"Okay?","start":1602.3,"end":1602.8,"sentiment":"neutral","sentiment_score":0.043434493243694305}],"sentiment":"neutral","sentiment_score":0.09936544517563148,"num_words":110,"start":1574.66,"end":1602.8},{"sentences":[{"text":"Fantastic.","start":1604.2201,"end":1604.7201,"sentiment":"positive","sentiment_score":0.7179088592529297},{"text":"That's okay.","start":1605.1001,"end":1605.8401,"sentiment":"positive","sentiment_score":0.45287129282951355},{"text":"Just wanted to have you here as well.","start":1605.9801,"end":1607.66,"sentiment":"neutral","sentiment_score":0.18414034321904182},{"text":"I just noticed on your insurance policy while I was quickly scanning through some documents.","start":1607.66,"end":1611.8401,"sentiment":"neutral","sentiment_score":-0.03633433133363724},{"text":"On your TBD cover, you do have a mental health exclusion there.","start":1612.3,"end":1615.965,"sentiment":"neutral","sentiment_score":-0.09470778796821833}],"sentiment":"neutral","sentiment_score":0.03724383592213455,"num_words":38,"start":1604.2201,"end":1615.965},{"sentences":[{"text":"Do you remember kinda going through that with anyone previously?","start":1615.965,"end":1619.745,"sentiment":"neutral","sentiment_score":-0.06900947205722333},{"text":"Yeah.","start":1624.845,"end":1625.345,"sentiment":"neutral","sentiment_score":-0.04321887344121933},{"text":"So basically means no.","start":1625.565,"end":1627.565,"sentiment":"neutral","sentiment_score":-0.05932221561670303},{"text":"You're absolutely fine.","start":1627.565,"end":1628.6849,"sentiment":"neutral","sentiment_score":0.004480961710214615},{"text":"It looks like there may have been on the application essentially a disclosure where you might have had some depression or anxiety.","start":1628.6849,"end":1635.61,"sentiment":"neutral","sentiment_score":-0.07243855111300945}],"sentiment":"neutral","sentiment_score":-0.06377019239589572,"num_words":40,"start":1615.965,"end":1635.61},{"sentences":[{"text":"But it says here that there is an exclusion on the BVD that no claim shall be payable under the benefit for the condition or event given rise to a claim as a result of any mental health disorder, including anxiety, depression, stress, adjustment disorders, emotional or behavioral disorders.","start":1636.3099,"end":1653.845,"sentiment":"neutral","sentiment_score":-0.0867720361875028},{"text":"So is this saying that due to your disclosures originally that they they've added that exclusion.","start":1653.845,"end":1659.5,"sentiment":"neutral","sentiment_score":-0.06741689913906157},{"text":"If anything was to come due to mental health, it is also looked at under the cause.","start":1660.2799,"end":1665.24,"sentiment":"neutral","sentiment_score":-0.12290717529899933},{"text":"So do just let us know if if you're not able to work or if there's a risk of claiming on TBD, and we'll look at helping you to discuss around the cause and what's happening with that, and we'll see what we can do.","start":1665.24,"end":1676.505,"sentiment":"neutral","sentiment_score":-0.08279492871628867},{"text":"These sorts of exclusions are reviewable generally about sort of between three to six years depending on what was 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you.","start":1701.3551,"end":1703.915,"sentiment":"neutral","sentiment_score":0.04084633536298166}],"sentiment":"neutral","sentiment_score":-0.018675495633885028,"num_words":63,"start":1683.925,"end":1703.915},{"sentences":[{"text":"Do you have that's alright.","start":1703.915,"end":1705.995,"sentiment":"neutral","sentiment_score":0.11549892798066139},{"text":"Do you have any questions for me at the moment?","start":1705.995,"end":1707.995,"sentiment":"neutral","sentiment_score":0.10114260166883468},{"text":"I know I go through a lot with you.","start":1707.995,"end":1709.275,"sentiment":"neutral","sentiment_score":-0.04783211234543058},{"text":"I'm so sorry.","start":1709.275,"end":1709.8351,"sentiment":"neutral","sentiment_score":-0.19988815983136496},{"text":"It's early in the morning still.","start":1709.8351,"end":1711.375,"sentiment":"neutral","sentiment_score":-0.09317826914290588}],"sentiment":"neutral","sentiment_score":-9.165117234894723e-6,"num_words":33,"start":1703.915,"end":1711.375},{"sentences":[{"text":"Fantastic, Colleen.","start":1714.73,"end":1715.61,"sentiment":"positive","sentiment_score":0.7995869815349579},{"text":"Well, I will let you go.","start":1715.61,"end":1716.57,"sentiment":"positive","sentiment_score":0.42728565633296967},{"text":"We'll get that email out to you shortly and your annual review docs.","start":1716.57,"end":1719.37,"sentiment":"positive","sentiment_score":0.48401241348339963},{"text":"If you have any questions, please let me know.","start":1719.37,"end":1721.53,"sentiment":"neutral","sentiment_score":0.3062049100796382},{"text":"I hope you have a good 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Thanks. How are you? Yeah. No. That's fine. Did you try calling me? Did you? That's interesting. Because I have the phone in my hand. I was just talking to my boss, so that was very weird. But anyway yep. Okay. Oh, no. I've just got a little bit of sinus. That's fine at this time of the year. Yeah. Yes. I can. Mhmm. No. Everything's the same. Yeah. All my working. Yep. I don't think so. Not since my last. No. Yes. No. Yeah. Everything's going towards our mortgage payments. No. Yeah. Yeah. Yep. Yeah. I think I'll probably around about 1.2, 1.3. Yeah. It's down to about 140. Yep. Yes. Definitely. It is. Whether I get there or not, yeah, it's another thing. Yes. I've had a couple of friends mention that, but, yeah, I haven't really sort of gotten into it yet. I feel like I've still got a couple of years before I get to that. So mhmm. Yep. Alright. Okay. Okay. Mhmm. Yes. We do. Yeah. Yeah. It's probably a little bit more now, but I'm not sure how much because we have our we have whatever we make on it goes straight back into it. Just the two. The c x five, which is probably around about, I don't know, $1,520,000. It's a Ford Ute. That's my husband's. Yep. And and that's probably worth, I don't know, 10,000. Yeah. No. No. We own them. No. No. Just my basic little $3,000 credit card that I have. Yeah. No. Okay. Yep. For some reason, I thought I had about $1.96 when I first went over, but I must not. I don't know why I thought I had that. Yes. Yeah. Alright. Yeah. No. It's okay. Yep. Okay. Mhmm. Okay. Alright. Okay. Thanks. Okay. No. No. That's okay. No. That's fine. Mhmm. No. You're right. Okay. Okay. Yeah. That's good. Thank you. Yeah. Mhmm. Yep. Mhmm. Mhmm. Yes. Yeah. Mhmm. Okay. Yep. Yeah. That'll be great. Thank you. Yeah. Whatever you think. I'm not right up on it. So what you think yeah. Mhmm. Yes. Mhmm. Yep. Yep. Yeah. Maybe try and make it cheaper. Yeah. No. You just I do get my statements, but I'm not sure how to read them. Like and I don't have one in front of me at the moment. So I was thinking to myself, maybe I need to print one out and give you a call just to give me a little bit of an idea on how to read them. Yep. Okay. Yeah. No. That'll be good. Thank you. Mhmm. Yep. Yep. Mhmm. Yes. Yes. Mhmm. Mhmm. I don't know. I mean, if I have to work past sixty three, I have to work past sixty three. It's just the number that I sort of threw out there. That's all. Yeah. Like yeah. I think I'll just leave it the way it is at the moment. I mean, it's doing okay at the moment, isn't it? Like yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's fine. No. Yes. Yeah. Yeah. No. I think just leave it. Yeah. Yes. Thanks. Yep. Yeah. That sounds good. Thanks. Mhmm. Yeah. That's great. Thank you for that. Mhmm. Yep. Mhmm. Mhmm. Yeah. Yeah. And I think there's Sophie there as well. I think I've got David Jenner and Sophie. Yeah. Yeah. Yep. That's correct. Yeah. Yeah. You're right. That's okay. Yes. Mhmm. Yeah. That that's all I wanted just to well, hopefully, we won't have to, but just basically to cover the mortgage and just to have money so that he could grieve and, you know, not have to worry about going to work or whatever. So yeah. Yeah. Mhmm. Yep. Yeah. Yep. Yeah. Especially when my mortgage reduces, I could probably reduce it a bit. Yeah. Okay. Yeah. Dave, we would survive. Like yeah. Yep. Yeah. I think I'll just leave it at the moment. Thanks. Yeah. Okay. Alright. Thank you. Yep. We've spoken about it, but we still haven't done it. So we definitely need to do that. Yeah. Yeah. You can do that. Yeah. Yeah. Yeah. Sure. Okay. Thanks. Mhmm. Mhmm. Yes. Okay. Thank you. Yes. Okay. Yeah. Yay. Oh, thank you. Okay. Thank you for that. Yes. Yes. Yes. Yeah. Thank you for that. Mhmm. Yep. Yep. Yeah. Sure. Thank you for that. When you say mental health exclusion, what do you mean? Sorry. Yes. Yep. No. That's fair enough. Yeah. Yep. Yep. Yep. Yeah. Sure. No worries. Okay. Yeah. No. That's okay. Thank you. Yeah. No. That's okay. No. No. That sound all sounds good. Thank you. You too. Thank you for that. No. Okay. 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bad. Thanks. How are you? Yeah. No.\n\nThat's fine. Did you try calling me? Did you? That's interesting. Because I have the phone in my hand.\n\nI was just talking to my boss, so that was very weird. But anyway yep. Okay. Oh, no. I've just got a little bit of sinus.\n\nThat's fine at this time of the year. Yeah. Yes. I can. Mhmm.\n\nNo. Everything's the same. Yeah. All my working. Yep.\n\nI don't think so. Not since my last. No. Yes. No.\n\nYeah. Everything's going towards our mortgage payments. No. Yeah. Yeah.\n\nYep. Yeah. I think I'll probably around about 1.2, 1.3. Yeah. It's down to about 140.\n\nYep. Yes. Definitely. It is. Whether I get there or not, yeah, it's another thing.\n\nYes. I've had a couple of friends mention that, but, yeah, I haven't really sort of gotten into it yet. I feel like I've still got a couple of years before I get to that. So mhmm. Yep.\n\nAlright. Okay. Okay. Mhmm. Yes.\n\nWe do. Yeah. Yeah. It's probably a little bit more now, but I'm not sure how much because we have our we have whatever we make on it goes straight back into it. Just the two.\n\nThe c x five, which is probably around about, I don't know, $1,520,000. It's a Ford Ute. That's my husband's. Yep. And and that's probably worth, I don't know, 10,000.\n\nYeah. No. No. We own them. No.\n\nNo. Just my basic little $3,000 credit card that I have. Yeah. No. Okay.\n\nYep. For some reason, I thought I had about $1.96 when I first went over, but I must not. I don't know why I thought I had that. Yes. Yeah.\n\nAlright. Yeah. No. It's okay. Yep.\n\nOkay. Mhmm. Okay. Alright. Okay.\n\nThanks. Okay. No. No. That's okay.\n\nNo. That's fine. Mhmm. No. You're right.\n\nOkay. Okay. Yeah. That's good. Thank you.\n\nYeah. Mhmm. Yep. Mhmm. Mhmm.\n\nYes. Yeah. Mhmm. Okay. Yep.\n\nYeah. That'll be great. Thank you. Yeah. Whatever you think.\n\nI'm not right up on it. So what you think yeah. Mhmm. Yes. Mhmm.\n\nYep. Yep. Yeah. Maybe try and make it cheaper. Yeah.\n\nNo. You just I do get my statements, but I'm not sure how to read them. Like and I don't have one in front of me at the moment. So I was thinking to myself, maybe I need to print one out and give you a call just to give me a little bit of an idea on how to read them. Yep.\n\nOkay. Yeah. No. That'll be good. Thank you.\n\nMhmm. Yep. Yep. Mhmm. Yes.\n\nYes. Mhmm. Mhmm. I don't know. I mean, if I have to work past sixty three, I have to work past sixty three.\n\nIt's just the number that I sort of threw out there. That's all. Yeah. Like yeah. I think I'll just leave it the way it is at the moment.\n\nI mean, it's doing okay at the moment, isn't it? Like yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's fine.\n\nNo. Yes. Yeah. Yeah. No.\n\nI think just leave it. Yeah. Yes. Thanks. Yep.\n\nYeah. That sounds good. Thanks. Mhmm. Yeah.\n\nThat's great. Thank you for that. Mhmm. Yep. Mhmm.\n\nMhmm. Yeah. Yeah. And I think there's Sophie there as well. I think I've got David Jenner and Sophie.\n\nYeah. Yeah. Yep. That's correct. Yeah.\n\nYeah. You're right. That's okay. Yes. Mhmm.\n\nYeah. That that's all I wanted just to well, hopefully, we won't have to, but just basically to cover the mortgage and just to have money so that he could grieve and, you know, not have to worry about going to work or whatever. So yeah. Yeah. Mhmm.\n\nYep. Yeah. Yep. Yeah. Especially when my mortgage reduces, I could probably reduce it a bit.\n\nYeah. Okay. Yeah. Dave, we would survive. Like yeah.\n\nYep. Yeah. I think I'll just leave it at the moment. Thanks. Yeah.\n\nOkay. Alright. Thank you. Yep. We've spoken about it, but we still haven't done it.\n\nSo we definitely need to do that. Yeah. Yeah. You can do that. Yeah.\n\nYeah. Yeah. Sure. Okay. Thanks.\n\nMhmm. Mhmm. Yes. Okay. Thank you.\n\nYes. Okay. Yeah. Yay. Oh, thank you.\n\nOkay. Thank you for that. Yes. Yes. Yes.\n\nYeah. Thank you for that. Mhmm. Yep. Yep.\n\nYeah. Sure. Thank you for that. When you say mental health exclusion, what do you mean? Sorry.\n\nYes. Yep. No. That's fair enough. Yeah.\n\nYep. Yep. Yep. Yeah. Sure.\n\nNo worries. Okay. Yeah. No. That's okay.\n\nThank you. Yeah. No. That's okay. No.\n\nNo. That sound all sounds good. Thank you. You too. Thank you for that.\n\nNo. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Not bad.","start":4.96,"end":5.44,"sentiment":"positive","sentiment_score":0.39856137335300446},{"text":"Thanks.","start":5.44,"end":5.7599998,"sentiment":"positive","sentiment_score":0.4928337335586548},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.32783932487169903},{"text":"Yeah.","start":14.745,"end":14.985001,"sentiment":"neutral","sentiment_score":0.02119765058159828},{"text":"No.","start":14.985001,"end":15.145,"sentiment":"neutral","sentiment_score":-0.03181643784046173}],"sentiment":"neutral","sentiment_score":0.28285695845261216,"num_words":8,"start":4.96,"end":15.145},{"sentences":[{"text":"That's fine.","start":15.145,"end":15.705,"sentiment":"neutral","sentiment_score":-0.01669066958129406},{"text":"Did you try calling me?","start":15.705,"end":16.745,"sentiment":"neutral","sentiment_score":-0.05476536303758621},{"text":"Did 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Good morning, Colleen. How are you?\n\nChannel 1: Not bad. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for returning my call. I had you booked in to negotiate your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. No. That's fine. Did you try calling me? Did you?\n\nChannel 0: Yeah. Yeah. It it did ring once, and then it went straight through the voice mail.\n\nChannel 1: That's interesting. Because I have the phone\n\nChannel 0: Yeah.\n\nChannel 1: in my hand. I was just talking to my boss, so that was\n\nChannel 0: Oh,\n\nChannel 1: very weird. But anyway\n\nChannel 0: yeah.\n\nChannel 1: yep.\n\nChannel 0: No. That's\n\nChannel 1: Okay.\n\nChannel 0: okay. You sound like you're a little bit unwell. Is everything okay?\n\nChannel 1: Oh, no. I've just got a little bit of sinus. That's fine\n\nChannel 0: Oh,\n\nChannel 1: at this time\n\nChannel 0: yeah.\n\nChannel 1: of the year. Yeah.\n\nChannel 0: Yeah. Yeah. Understandable. Well, thank you so much for calling back, Colleen. As mentioned, my name is Dana.\n\nI'm one of the financial advisers here. I believe this is your first annual review that we're going through. So I'm just\n\nChannel 1: Yes.\n\nChannel 0: gonna go through to start. We sorta have a look at how everything's going. We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement goals. Okay?\n\nChannel 1: I can. Mhmm.\n\nChannel 0: Fantastic. Firstly, Colleen, just wanted to check-in to see how everything's been in the last sort of twelve months. Has there been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review?\n\nChannel 1: No. Everything's the same.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: All my\n\nChannel 0: Beautiful.\n\nChannel 1: working.\n\nChannel 0: Look. Yep. That's okay. And\n\nChannel 1: Yep.\n\nChannel 0: how's everything going for work? Have you been lucky enough to get a bit of a pay rise? Or\n\nChannel 1: I don't think so. Not since my last.\n\nChannel 0: no? No.\n\nChannel 1: No.\n\nChannel 0: That's okay. Income wise, I had you down earning about 70,000 per annum. Is that about the same still?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. And having a look here, it looks like you're not making any additional contributions to super over and above the employer contributions.\n\nChannel 1: No.\n\nChannel 0: How's your expenditure going at the moment? Do you have any sort of free cash at the end of the week, or is everything going towards your mortgage repayments? And\n\nChannel 1: Yeah. Everything's going towards our mortgage payments.\n\nChannel 0: yeah. That's okay. So you wouldn't wanna be making additional contributions to Super\n\nChannel 1: No.\n\nChannel 0: at the moment, maybe down the\n\nChannel 1: Yeah.\n\nChannel 0: track?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's absolutely okay. That's not a problem at all. Looking at your assets I have here, I've got your main primary residence. You had an asset value on that last time of about a million dollars.\n\nWhat\n\nChannel 1: Yep.\n\nChannel 0: sort of value would that be to you now? Do you think it might have increased a bit? Or\n\nChannel 1: Yeah. I think I'll probably around about 1.2, 1.3.\n\nChannel 0: oh, fantastic. Beautiful. And on the mortgage, we had about a 179,000. Have you been able to reduce that a little bit?\n\nChannel 1: Yeah. It's down to about 140.\n\nChannel 0: Oh, wow. Fantastic. That's a really good drop. Excellent. One of the goals here that was that you were looking to, medium term wise, reduce that mortgage by that $1.79 and have it sort of paid off.\n\nChannel 1: Yep.\n\nChannel 0: You've done a really good job in reducing that as it is, but are you looking to try and have that paid off by the time of retirement? Or\n\nChannel 1: Yes.\n\nChannel 0: oh, yep. Perfect.\n\nChannel 1: Definitely.\n\nChannel 0: And I've excellent. And I've got here that you are hoping to be able to start retirement or access super at around about age 63. Is that still your goal age for that?\n\nChannel 1: It is. Whether I get there\n\nChannel 0: Yep.\n\nChannel 1: or not, yeah, it's another\n\nChannel 0: Yep.\n\nChannel 1: thing.\n\nChannel 0: No. That's understandable. All good. We'll have you look at things because you're 58 this year, is that right, in November?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So whilst we are still in the accumulation phase, once we kinda get to the age of 60, there are some other great strategies we can put in place. Has anyone ever spoken to you or explained what maybe a transition or a time and strategy might be or what that is?\n\nChannel 1: I've had a couple of friends mention that, but, yeah, I\n\nChannel 0: Yeah.\n\nChannel 1: haven't really sort of gotten into it yet. I feel like\n\nChannel 0: No.\n\nChannel 1: I've still\n\nChannel 0: That's\n\nChannel 1: got a couple of years before I\n\nChannel 0: good.\n\nChannel 1: get to that. So\n\nChannel 0: You do you do have about three years there. When\n\nChannel 1: mhmm.\n\nChannel 0: you are close to it, we can definitely have a look at how that's gonna look for you.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, I would sort of wanna try and get that ready before you turn 60. So when you're about 59 or in that twelve months period, we could look at our dating advice to have a look at what that can look like for you. But, essentially, it allows you to continue working as you are. It allows you to draw some money out of super to keep your income the same, but we then push more money into super. It essentially is a really great strategy to help save on income tax, but also make more contributions to super whilst keeping your take home pay exactly the same.\n\nSo\n\nChannel 1: Alright.\n\nChannel 0: we'll\n\nChannel 1: Okay.\n\nChannel 0: we can look at that down the track for you to see if that'll give you some benefit. Okay?\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Fantastic. Other assets I have noted here, you've got some\n\nChannel 1: Yes.\n\nChannel 0: shares through NRMA there. Do you still have those?\n\nChannel 1: We do.\n\nChannel 0: Yep. Beautiful. I've got here that you had a value of about 13,000 on those. Is that still\n\nChannel 1: Yeah.\n\nChannel 0: fairly accurate? Yep.\n\nChannel 1: Yeah. It's\n\nChannel 0: Beautiful.\n\nChannel 1: probably a little bit more now, but I'm not sure how much because we have our we have whatever we make on it goes straight back into it.\n\nChannel 0: Okay. Yeah. Absolutely. Not a problem at all. And I had here cars, so plural.\n\nHow many vehicles do you have there at the moment?\n\nChannel 1: Just the two.\n\nChannel 0: Just the two vehicles. Lovely. I'll split them up so we can note them down correctly for you. I'll either know what's one of the vehicles that you have there, and what's the value of that vehicle?\n\nChannel 1: The c x five, which is probably\n\nChannel 0: Yep.\n\nChannel 1: around about, I don't know, $1,520,000.\n\nChannel 0: Yeah. Beautiful. Lovely. And what's the other vehicle you would have there as well?\n\nChannel 1: It's a Ford Ute. That's my husband's.\n\nChannel 0: Audience?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: And and that's probably worth, I don't know, 10,000.\n\nChannel 0: 10,000. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any loans on any of those vehicles, or they're completely owned\n\nChannel 1: No.\n\nChannel 0: debt free?\n\nChannel 1: No. We own them.\n\nChannel 0: Beautiful. Not a problem at all. Fantastic. Going through, is there any other assets, any other anything of value that you might wanna note down or any loans or credit cards that we should probably know about?\n\nChannel 1: No. No. Just\n\nChannel 0: Nope.\n\nChannel 1: my basic\n\nChannel 0: That's it.\n\nChannel 1: little $3,000 credit card that I have.\n\nChannel 0: Yeah. That's okay. Beautiful. And 3 thousand's the limit, is it?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. Thank you for updating all those details there for me. Now\n\nChannel 1: No.\n\nChannel 0: I'll jump into giving you a little bit of an update on your super there. So when I sort of look back at twelve months ago, your balance inside super was about $177,006.84. Looking at where you've gone to in the twelve month period there, you've actually made when we look at the income and the growth, this is after any fees have been taken to account. You've actually made a 9.66% return. So when we break it down to income and growth as a dollar figure, it's about 20,176 that your super has made.\n\nSo it's a really good, a really good amount of growth for the year. Definitely, I mean, it's going up. And with what we've seen in the markets this year with the volatility with what's going on overseas there, it's to come out on top of the 9% return is actually really good. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. For some reason, I thought I had about $1.96 when I first went over, but I must not. I don't know why\n\nChannel 0: I\n\nChannel 1: I thought I had that.\n\nChannel 0: that's okay. Let me go back and have a look for you. Let's go to inception and see what we had rolled in for you. It won't be a second. I'm just popping it up here.\n\nSo from inception, the balance I've got today so you've made about 20,000, which is a 9.66% return. And your balance\n\nChannel 1: Yes.\n\nChannel 0: in the account at the moment were over 200,000, so 203,000 there, which sorry. $207,007.64 as of today's date there for you.\n\nChannel 1: Yeah.\n\nChannel 0: And when we look at from inception of the account, which was in the 05/01/2024. Deposits to the account is $1.89,\n\nChannel 1: Alright.\n\nChannel 0: But you've made an 18% return since coming on board originally. I'm just gonna have a look at the transactions to see what was rolled in for you.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: No.\n\nChannel 0: you definitely\n\nChannel 1: It's okay.\n\nChannel 0: make you're definitely up from when you when you came on board originally, so you have certainly made some money there, which is really, really good to see,\n\nChannel 1: Yep.\n\nChannel 0: and that's not looking at your contribution. So when your contributions are going into super, they're not included into the growth or the income component. The income is dividends that get paid out, which gets compounded\n\nChannel 1: Okay.\n\nChannel 0: and reinvested back into your portfolio, and then the growth is considered the difference in the share price. So if, for\n\nChannel 1: Mhmm.\n\nChannel 0: example,\n\nChannel 1: Okay.\n\nChannel 0: say, you've got, you know, a CBA and it might have been valued at $50 per share, the next day, it's a $100 per share. The difference in that share price is essentially your growth there. And\n\nChannel 1: Alright.\n\nChannel 0: whilst your contributions are going in from your employer, it's essentially considered principal, so it was not added to that growth. But the growth and the income is produced out of out of your capital that goes in there for you. Okay? So it\n\nChannel 1: Okay.\n\nChannel 0: is solely\n\nChannel 1: Thanks.\n\nChannel 0: what your portfolio is made, which is good. Does that make sense? Did\n\nChannel 1: Okay.\n\nChannel 0: you want me to kinda break that down more for you? Well, you're welcome to ask me\n\nChannel 1: No.\n\nChannel 0: any\n\nChannel 1: No.\n\nChannel 0: questions\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: okay.\n\nChannel 0: like. That's okay.\n\nChannel 1: No. That's\n\nChannel 0: Beautiful.\n\nChannel 1: fine.\n\nChannel 0: That's alright. Alright. So I've gone back to inception, had a look at the deposits here for you. So the original deposit in from Sea Bass, we had a $152,009.31.\n\nChannel 1: Mhmm.\n\nChannel 0: And then was there a secondary deposit in partway through? Sorry. I'm just going through all the\n\nChannel 1: No. You're\n\nChannel 0: transactions\n\nChannel 1: right.\n\nChannel 0: just to see when the secondary one went in. If there was a secondary one. No. So it just looks like it was the one rollover from SeaBus for the $1.52 $9.31. And so the total deposits would be including your contributions going in.\n\nSo as a total, your initial rollover plus any employer contributions and deposits to the account from inception equals at $1.89, and then your balance\n\nChannel 1: Okay.\n\nChannel 0: as of today is 207,000. So you've made since inception an 18.15 return, and your portfolio has earned income and growth of from inception of about $39,009.39. So it's nearly 40,000\n\nChannel 1: Okay.\n\nChannel 0: since you've come onboarding growth and and income there, which is good. So we are seeing a bit\n\nChannel 1: Yeah.\n\nChannel 0: of growth.\n\nChannel 1: That's good.\n\nChannel 0: Yeah.\n\nChannel 1: Thank\n\nChannel 0: You\n\nChannel 1: you.\n\nChannel 0: wanna make sure it's compounding and going up, so that's really good\n\nChannel 1: Yeah.\n\nChannel 0: to see. When\n\nChannel 1: Mhmm.\n\nChannel 0: I go through all the individual investments within the portfolio there, they are all performing really, really nicely. To give you a bit of an example, you've got some physical gold in there, which on its own has seen over 79% return for the year. So sorry.\n\nChannel 1: Yep.\n\nChannel 0: This is from inception. So that's a good return from inception for the last twelve months. It's up over 26%. The physical gold has done really well. And then your battery and lithium tech has also really done really well for twelve months up over 89%.\n\nSo everything has shown an increase there. The only ones that are showing a little bit of a decrease\n\nChannel 1: Mhmm.\n\nChannel 0: as individual investments is your VanEck\n\nChannel 1: Mhmm.\n\nChannel 0: property. So it's looking at property investments, both commercial and residential, and that's down by about 1.11\n\nChannel 1: Yes.\n\nChannel 0: percent. So it's not down by a lot, not having a massive effect on your portfolio. You do also have the Benelon Australian Equities, which originally was put into your portfolio as more of an actively managed fund. So the idea of an active manager in a portfolio is that they're trying to outperform against the market trying to get better returns. When you look at having\n\nChannel 1: Yeah.\n\nChannel 0: active managers in your portfolio, there's no guarantees that they're going to do that. Sometimes they do, sometimes they don't, and you do pay a little bit more to have active managers in there. When I look at\n\nChannel 1: Mhmm.\n\nChannel 0: how that individual investment has performed over the year, it is showing it is down a little bit at the moment. It's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there.\n\nChannel 1: Okay.\n\nChannel 0: What I could do if you like is I could go back and just have a look at your portfolio, maybe look at rebalancing it to make sure that you're, you know, taking on the right level of risk for where you are comfortable to be, and maybe also\n\nChannel 1: Yep.\n\nChannel 0: look at swapping out that investment if it's underperforming a little bit for you. Would you like me to do that?\n\nChannel 1: Yeah. That'll be great. Thank you.\n\nChannel 0: Yep. Fantastic. Did you want me to look at other active managers to keep to try and outperform against the market, or would you like to look at more of a passively managed investment, which might be a bit lower cost for you?\n\nChannel 1: Yeah. Whatever you think. I'm not right up on it. So\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: okay.\n\nChannel 1: you think yeah.\n\nChannel 0: Yeah. That's okay. So if you wanted to, what we could look at doing is I could look at trying to reduce some of the investment costs for you. The difference\n\nChannel 1: Mhmm.\n\nChannel 0: between an active and a passive manager, as I mentioned, an active investment manager is trying to buy and sell and pick the times that they buy into the market and buy into certain investments. They're trying to outperform against the market. So they are they are doing\n\nChannel 1: Yes.\n\nChannel 0: a lot more trading in the back end. With a passive\n\nChannel 1: Mhmm.\n\nChannel 0: investment, something like, as an example, the S and P 500, you're just tracking the market and following it up and down. The investment managers are just tracking the market and making changes as the indices are. They're tracking certain indices depending on what you're invested in. They're not trying to\n\nChannel 1: Yep.\n\nChannel 0: outperform against the market. They're trying to stay in the market and follow the market trends. And often just participating in the market and being in those sorts of index funds actually provides a greater return than having an active manager can. It just sort of depends on what the market does and how good the manager is that year and a few other factors.\n\nChannel 1: Yep.\n\nChannel 0: But having a passively managed investment fund can also be a little bit cheaper for you. Did you want me to sort of look at making it cost effective, or did you wanna take a bit more risk and maybe see if we can outperform against the market? What would you like?\n\nChannel 1: Yeah. Maybe try and make it cheaper.\n\nChannel 0: Cost effective. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Yep. That's okay. Did you have more questions? Did you want me to break any of that down a bit more?\n\nYou're welcome to ask\n\nChannel 1: No.\n\nChannel 0: me if you need more clarification.\n\nChannel 1: You just I do get my statements, but I'm not sure how to read them.\n\nChannel 0: Okay. That's alright.\n\nChannel 1: Like and I don't have one in front of me at the moment. So\n\nChannel 0: Yeah.\n\nChannel 1: I was thinking to myself, maybe I need to print one out and give you a call just to\n\nChannel 0: Yeah.\n\nChannel 1: give me a little bit of an idea on how to read them.\n\nChannel 0: Yeah. Absolutely. I know some of these things do get sent through via email, so you're welcome just to let us know or even\n\nChannel 1: Yep.\n\nChannel 0: email back and say, hey. I need a bit of help reading through this. Can you explain it to me? I'll\n\nChannel 1: Okay.\n\nChannel 0: make a time. We can look at the same statement and go through it with you, look at what it says, and you're welcome to ask those questions. Absolutely.\n\nChannel 1: Yeah. No. That'll be good. Thank you.\n\nChannel 0: That's not a problem at all. Now, Colleen, having a look at the way you are invested, you are in a growth portfolio at the moment. So when we look at the portfolios and your risk level, we wanna make sure you're invested in a way that you're comfortable with the risk you're taking, that you're getting\n\nChannel 1: Mhmm.\n\nChannel 0: the returns that you're that we're tracking or that we're after with regard to the portfolio, but that you are comfortable with the volatility, the and downs that you're seeing as well because that kinda goes coincide with the risk.\n\nChannel 1: Yep.\n\nChannel 0: The the growth portfolio generally suits someone who has at least six years before they're willing to access their super. So\n\nChannel 1: Yep.\n\nChannel 0: because you've sort of said about age 63 at the moment, you're 57 now, you have just on that 60 time horizon,\n\nChannel 1: Mhmm.\n\nChannel 0: five years if we look at, you know, your birthday coming up in November\n\nChannel 1: Yes.\n\nChannel 0: this year. In that growth environment, you sort of generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And those are\n\nChannel 1: Yes.\n\nChannel 0: the investors where we do see we take a bit more risk, but we want the better returns, and they do, over the longer term, provide greater levels of returns.\n\nChannel 1: Mhmm.\n\nChannel 0: Then you also see about 20% in those lower risk investments, the things like cash, bonds, and fixed interest. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level? How do you feel? Yeah.\n\nChannel 1: I don't know. I mean, if I have to work past sixty three, I have to work past sixty three. It's just the number that I sort of threw out there. That's all.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah. Like yeah. I think I'll just leave it the way it is at\n\nChannel 0: Yep.\n\nChannel 1: the moment. I mean, it's doing okay at the moment, isn't it? Like\n\nChannel 0: It is. It is. Yeah. Definitely. So there are ways to boost your super.\n\nOne of those is to take on a bit more risk, like stay in this portfolio a little bit longer. However, you are aware that in the short term, we could see those market ups and downs. So\n\nChannel 1: yeah.\n\nChannel 0: in the next\n\nChannel 1: Yeah.\n\nChannel 0: twelve months, depending on what happens in the market and with the world, generally, we could come\n\nChannel 1: Yeah.\n\nChannel 0: out next year and have, you know, a negative one, two, five, ten percent depending on what happens. And then we just wanna make sure you can stay in that portfolio and not maybe make any changes until it recovers back and we do\n\nChannel 1: Yeah.\n\nChannel 0: see a positive return.\n\nChannel 1: Yeah.\n\nChannel 0: In this sort of a portfolio, the likelihood of a negative return is expected sort of one in every six years. So over the\n\nChannel 1: Yeah.\n\nChannel 0: course of the next six years, you can expect at least one year where there is a negative return.\n\nChannel 1: Yeah.\n\nChannel 0: So it's more just about making sure you're comfortable with that. The\n\nChannel 1: Yeah.\n\nChannel 0: other\n\nChannel 1: That's\n\nChannel 0: option is\n\nChannel 1: fine.\n\nChannel 0: if you wanted to reduce your risk, we could look at additional contributions, but you sort of said you don't really have the cash flow for that at the\n\nChannel 1: No.\n\nChannel 0: moment. You're paying the mortgage. Yeah.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: No.\n\nChannel 0: Did\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: think\n\nChannel 0: wanna\n\nChannel 1: just leave it. Yeah.\n\nChannel 0: just say yep. Absolutely.\n\nChannel 1: Yes. Thanks.\n\nChannel 0: Not a problem. What I can do is, if you like, I can do another catch up with you in about six months to see how things are tracking, And\n\nChannel 1: Yep.\n\nChannel 0: then you've always got the option if you wanted to to say, hey. I wanna reduce the risk a little bit. We can always look at doing that for you.\n\nChannel 1: Yeah. That sounds good. Thanks.\n\nChannel 0: Yep. Beautiful. Not a problem at all. So for the time being, I'll just go back and reassess the portfolio, have a bit of a look at rebalancing a few things to make sure that you're not overexposed currently, and maybe just swap\n\nChannel 1: Mhmm.\n\nChannel 0: out the underperforming investment for you. Is that okay for the moment?\n\nChannel 1: Yeah. That's great. Thank you for\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Beautiful. That's okay. So your super is performing really nicely for the year, which is fantastic. I've also got\n\nChannel 1: Mhmm.\n\nChannel 0: your insurance\n\nChannel 1: Yep.\n\nChannel 0: policy here. So you do have your nearest insurance policy. You've got your life cover, which currently has a sum insured of 262,500, and then your TPD with the same level of cover. If\n\nChannel 1: Mhmm.\n\nChannel 0: in the event of you passing away with your mortgage only being at that $140,000 mark, your life insurance is paid out to your beneficiary, which I\n\nChannel 1: Mhmm.\n\nChannel 0: do have here noted for you is sorry. Beneficiaries, I've got David and Jenna. So one's your child and one's your spouse. Is that right?\n\nChannel 1: Yeah. Yeah. And I think there's Sophie there as well. I think I've\n\nChannel 0: Yeah.\n\nChannel 1: got\n\nChannel 0: There is.\n\nChannel 1: David Jenner and Sophie. Yeah.\n\nChannel 0: Yeah. They you have. You've got Sophie there as well. Yeah. They've just noted a little bit further down the page for us.\n\nSo it looks\n\nChannel 1: Yeah.\n\nChannel 0: like you've got 50% to David,\n\nChannel 1: Yep.\n\nChannel 0: 25% to to Jenna, and 25% to Sophie. Is that right?\n\nChannel 1: That's correct. Yeah.\n\nChannel 0: Yes. Perfect. Perfect. And with your sleep, we're just checking the beneficiaries there for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: You've got, sorry. Takes a second for the computer\n\nChannel 1: You're\n\nChannel 0: to wake\n\nChannel 1: right.\n\nChannel 0: up.\n\nChannel 1: That's\n\nChannel 0: There we\n\nChannel 1: okay.\n\nChannel 0: go. I've got a 100% to David for in regards to your super. Does that sound about right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So when we sort of look at this, just based on the current balance there, your super in the event of passing is fully paid out, which is, at the moment, a balance of 207,712. And then he\n\nChannel 1: Mhmm.\n\nChannel 0: would also be able to receive or claim 50% of your life insurance there, and then your two children being able to claim 25% there as well. But based on the balances, would pay out the mortgage. Is there anything else that you kind of wanted to cover with regard to your insurances, or was it just clearing the mortgage and giving them some extra money? Or\n\nChannel 1: Yeah. That that's all I wanted just to well, hopefully, we won't have to, but just basically to cover\n\nChannel 0: Yeah.\n\nChannel 1: the mortgage and just to have money so that he could grieve and, you know, not\n\nChannel 0: Yep.\n\nChannel 1: have to worry\n\nChannel 0: Takes\n\nChannel 1: about going to work or whatever.\n\nChannel 0: takes\n\nChannel 1: So\n\nChannel 0: some time off. Absolutely.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep. Perfect. Excellent. Well, the life benefit and the TBD benefit there at the moment do sort of meet that goal, which is fantastic. So\n\nChannel 1: Mhmm.\n\nChannel 0: retaining that is preferable for the moment. We'll keep reviewing that with you. Obviously, with your\n\nChannel 1: Yep.\n\nChannel 0: insurance is the older you get, the likelihood of you claiming increases. So the policy does get more expensive over time and does provide an effect on your super. So we'll just make sure we keep reviewing that with you.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And if you ever wanted to reduce the level or a bit you know, the cost is a bit too high, just let me know. We can always look at that for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Especially when my mortgage reduces, I could probably reduce it a bit.\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Now it does look like you bought any kind of income protection or trauma insurance. So income protection does really pay out an income benefit, a monthly benefit if you're unable to go to work. If you were not able to work due to illness or injury, does David bring home enough money for you guys to survive, or do you have anything else to fall back on?\n\nChannel 1: Yeah. Dave, we would survive.\n\nChannel 0: Would survive.\n\nChannel 1: Like\n\nChannel 0: Yep. That's\n\nChannel 1: yeah.\n\nChannel 0: okay. Perfect. And with trauma, trauma is a a type of cover that pays out a lump sum tax rate benefit if you were to be diagnosed with, say, a heart attack, a stroke, certain neurological conditions. Cancer's probably the biggest one. Trauma,\n\nChannel 1: Yep.\n\nChannel 0: you can't pay for inside. So, but did you wanna look at getting any additional insurances? Are you happy just with the life in TPD you have at the moment?\n\nChannel 1: Yeah. I think I'll just leave it at the moment.\n\nChannel 0: Please.\n\nChannel 1: Thanks. Yeah.\n\nChannel 0: That's absolutely fine. If you ever wanted to get a bit more information or have a more in-depth conversation around those, do let me know. I'm more than happy to\n\nChannel 1: Okay.\n\nChannel 0: assist you in that area.\n\nChannel 1: Alright.\n\nChannel 0: Okay.\n\nChannel 1: Thank you.\n\nChannel 0: That's alright. We've basically gone through most things. Now you're still working at the same employer. I can see that your contributions are going in, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Have you guys got our updated will, power of attorney? Have you talked about doing the estate planning side of things?\n\nChannel 1: We've spoken about it, but we still haven't done it.\n\nChannel 0: Yeah.\n\nChannel 1: So we definitely\n\nChannel 0: No.\n\nChannel 1: need to do that. Yeah.\n\nChannel 0: Yeah. That's okay. Would you like us to send you an email just with some information on a local solicitor at a bit of a costing? It's not a referral to them as such. It's more just some information to kind of help\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: You\n\nChannel 0: conversation\n\nChannel 1: can do that.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: to give you an\n\nChannel 1: Yeah.\n\nChannel 0: idea of what it might cost to do that. It's really\n\nChannel 1: Yeah.\n\nChannel 0: great for\n\nChannel 1: Sure.\n\nChannel 0: starting that conversation. Perfect.\n\nChannel 1: Okay. Thanks.\n\nChannel 0: Not a problem. I'll get that out to you. Now the only other thing to go through and let you know is we do send out the annual review pack. So we go through this annual review. It looks like there is a bit of advice that I'm gonna go back and update for you with regards to the investments, which is fantastic.\n\nMoving\n\nChannel 1: Mhmm.\n\nChannel 0: forward, I'll do a six month review with you just to see how things are going.\n\nChannel 1: Mhmm.\n\nChannel 0: And just to let you know as well, Colleen, because you are working and life's a bit hectic, I also\n\nChannel 1: Yes.\n\nChannel 0: do work in the afternoon, so I can always make calls after work for you if you need to as well, work around your\n\nChannel 1: Okay.\n\nChannel 0: work schedule just to\n\nChannel 1: Thank\n\nChannel 0: make things\n\nChannel 1: you.\n\nChannel 0: a little bit easier on you.\n\nChannel 1: Yes.\n\nChannel 0: I'll I'll get my colleague, Michelle, to send out the annual review pack. As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there. Have a look through those. If you do happen to have any questions, please email us back. Let\n\nChannel 1: Okay.\n\nChannel 0: me know. I'll make some time to go through those with you and kinda break it down. I know it can be a lot when I'm sort of explaining it to you and then you see\n\nChannel 1: Yeah.\n\nChannel 0: it after the fact.\n\nChannel 1: Yay.\n\nChannel 0: I've also got it attached to the financial services guide, which essentially outlines everything about who we are, what we do, how we do it. It's also got a lovely picture of me in there for you and\n\nChannel 1: Oh,\n\nChannel 0: all\n\nChannel 1: thank\n\nChannel 0: my\n\nChannel 1: you.\n\nChannel 0: licensing number as well as a licensed adviser. I am registered through ASIC for you. Okay.\n\nChannel 1: Okay. Thank you for\n\nChannel 0: Excellent.\n\nChannel 1: that.\n\nChannel 0: And then we've also got the ongoing service agreement for the next twelve months there. So just to kind of make sure that you are fully aware, you do pay an ongoing service fee for our services. So having us look after your super, it\n\nChannel 1: Yes.\n\nChannel 0: is 1.65% per annum, but then it's deducted in smaller monthly increments out of your super. And the idea of a percentage based fee is that it fluctuates with the market. So when the market is doing really well and you've got a lovely 9% return there, then our fee is obviously gonna increase there with it. However, if the market\n\nChannel 1: Yes.\n\nChannel 0: took a bit of a dip, you had a negative return because of what was happening in the market globally, then our fee is gonna take a bit of a dip there with it as well. So we don't wanna be charging you the same fee every year, every month regardless of\n\nChannel 1: Yes.\n\nChannel 0: what your portfolio is doing so it is linked to your portfolio as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Thank you for that.\n\nChannel 0: That's okay. And we'll also just have a a tax file opt in form. So we just like to make sure you're aware that we do hold your tax phone number because we help set up your suit and your insurance side of things.\n\nChannel 1: Mhmm.\n\nChannel 0: However, we just like to make sure that you're aware of that information, and this is just the form that we'll get you to sign and return just acknowledging that you're aware of that. And\n\nChannel 1: Yep.\n\nChannel 0: we are very security conscious. You may have known we do security with you whenever we call you or you call us, just making\n\nChannel 1: Yep.\n\nChannel 0: sure that we are protecting all of your security, especially in the climate that we're in at the moment there. Okay?\n\nChannel 1: Yeah. Sure. Thank you for that.\n\nChannel 0: Fantastic. That's okay. Just wanted to have you here as well. I just noticed on your insurance policy while I was quickly scanning through some documents. On your TBD cover, you do have a mental health exclusion there.\n\nDo you remember kinda going through that with anyone previously?\n\nChannel 1: When you say mental health exclusion, what do you mean?\n\nChannel 0: Yeah. So basically\n\nChannel 1: Sorry.\n\nChannel 0: means no. You're absolutely fine. It looks like there may have been on the application essentially a disclosure where you might have had some depression or anxiety. But\n\nChannel 1: Yes.\n\nChannel 0: it says here that there is an exclusion on the BVD that no claim shall be payable under the benefit for the condition or event given rise to a claim as a result of any mental health disorder, including anxiety, depression, stress, adjustment disorders, emotional or behavioral disorders. So is this saying\n\nChannel 1: Yep.\n\nChannel 0: that due\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: your\n\nChannel 1: fair\n\nChannel 0: disclosures\n\nChannel 1: enough. Yeah.\n\nChannel 0: originally that they they've added that exclusion. If\n\nChannel 1: Yep.\n\nChannel 0: anything was to come due to mental health, it is also looked at under the cause. So do just let us know if if you're not able to work or if there's a risk of claiming on TBD, and we'll look at helping you to discuss around the cause and what's happening with that, and\n\nChannel 1: Yep.\n\nChannel 0: we'll see what we can do. These sorts of exclusions are reviewable generally about sort of between three to six years depending on what was disclosed. So\n\nChannel 1: Yep.\n\nChannel 0: you've been on board for two years now, so we could probably next year even look at trying to see what we can do about having that removed if you've not had any symptoms or medications or any or anything in relation to any mental health. Okay?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: All\n\nChannel 1: No worries.\n\nChannel 0: good. All good. Just\n\nChannel 1: Okay.\n\nChannel 0: like to make sure that I'm disclosing everything\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: No.\n\nChannel 0: you.\n\nChannel 1: That's\n\nChannel 0: Do\n\nChannel 1: okay.\n\nChannel 0: you have\n\nChannel 1: Thank you.\n\nChannel 0: that's alright. Do you have any questions for me at the moment? I know I go through a lot with you. I'm so sorry. It's early\n\nChannel 1: Yeah.\n\nChannel 0: in the morning\n\nChannel 1: No. That's\n\nChannel 0: still.\n\nChannel 1: okay. No. No. That sound all sounds good. Thank you.\n\nChannel 0: Fantastic, Colleen. Well, I will let you go. We'll get that email out to you shortly and your annual review docs. If you have any questions, please let me know. I hope you have a good day.\n\nChannel 1: You too. Thank you for that.\n\nChannel 0: Thanks, Colleen. Talk to\n\nChannel 1: No.\n\nChannel 0: you very soon.\n\nChannel 1: Okay.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.56,"end":2.8,"sentiment":"neutral","sentiment_score":0.17514026165008545},{"text":"Good morning, Colleen.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.39404170711835224},{"text":"How are you?","start":3.84,"end":4.66,"sentiment":"positive","sentiment_score":0.3403930564721425}],"sentiment":"positive","sentiment_score":0.3397777932030814,"channel":0,"num_words":7,"start":2.56,"end":4.66},{"sentences":[{"text":"Not bad.","start":4.96,"end":5.44,"sentiment":"positive","sentiment_score":0.39856137335300446},{"text":"Thanks.","start":5.44,"end":5.7599998,"sentiment":"positive","sentiment_score":0.4928337335586548},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.32783932487169903}],"sentiment":"positive","sentiment_score":0.37891240914662677,"channel":1,"num_words":6,"start":4.96,"end":6.58},{"sentences":[{"text":"I'm very well.","start":6.7999997,"end":7.8399997,"sentiment":"positive","sentiment_score":0.6133009990056356},{"text":"Thank you.","start":7.8399997,"end":8.32,"sentiment":"positive","sentiment_score":0.7008391320705414},{"text":"Thanks for returning my call.","start":8.32,"end":9.679999,"sentiment":"positive","sentiment_score":0.6502512335777283},{"text":"I had you booked in to negotiate your annual review today.","start":9.679999,"end":12.24,"sentiment":"positive","sentiment_score":0.3668827631256797},{"text":"Is now still a good time there for you?","start":12.24,"end":14.34,"sentiment":"neutral","sentiment_score":0.3285609980424245}],"sentiment":"positive","sentiment_score":0.4495198935270309,"channel":0,"num_words":30,"start":6.7999997,"end":14.34},{"sentences":[{"text":"Yeah.","start":14.745,"end":14.985001,"sentiment":"neutral","sentiment_score":0.02119765058159828},{"text":"No.","start":14.985001,"end":15.145,"sentiment":"neutral","sentiment_score":-0.03181643784046173},{"text":"That's fine.","start":15.145,"end":15.705,"sentiment":"neutral","sentiment_score":-0.01669066958129406},{"text":"Did you try calling me?","start":15.705,"end":16.745,"sentiment":"neutral","sentiment_score":-0.05476536303758621},{"text":"Did you?","start":16.745,"end":17.485,"sentiment":"neutral","sentiment_score":-0.033775800839066505}],"sentiment":"neutral","sentiment_score":-0.03503441302613779,"channel":1,"num_words":11,"start":14.745,"end":17.485},{"sentences":[{"text":"Yeah.","start":17.915,"end":18.235,"sentiment":"neutral","sentiment_score":-0.009706943295896052},{"text":"Yeah.","start":18.235,"end":18.555,"sentiment":"neutral","sentiment_score":-0.009862145408988},{"text":"It it did ring once, and then it went straight through the voice mail.","start":18.555,"end":22.335,"sentiment":"neutral","sentiment_score":-0.047769298776984215}],"sentiment":"neutral","sentiment_score":-0.04302120447391644,"channel":0,"num_words":16,"start":17.915,"end":22.335},{"sentences":[{"text":"That's interesting.","start":23.145,"end":23.865,"sentiment":"neutral","sentiment_score":-0.047353796660900116},{"text":"Because I have the phone","start":23.865,"end":24.825,"sentiment":"neutral","sentiment_score":-0.02458619698882103}],"sentiment":"neutral","sentiment_score":-0.03109122546655791,"channel":1,"num_words":7,"start":23.145,"end":24.825},{"sentences":[{"text":"Yeah.","start":24.715,"end":25.215,"sentiment":"neutral","sentiment_score":-0.03063827008008957}],"sentiment":"neutral","sentiment_score":-0.03063827008008957,"channel":0,"num_words":1,"start":24.715,"end":25.215},{"sentences":[{"text":"in my hand.","start":24.825,"end":25.385,"sentiment":"neutral","sentiment_score":-0.03934735804796219},{"text":"I was just talking to my boss, so that was","start":25.385,"end":27.529999,"sentiment":"neutral","sentiment_score":-0.06462349146604537}],"sentiment":"neutral","sentiment_score":-0.05879053760033388,"channel":1,"num_words":13,"start":24.825,"end":27.529999},{"sentences":[{"text":"Oh,","start":27.449999,"end":27.949999,"sentiment":"neutral","sentiment_score":-0.13698187470436096}],"sentiment":"neutral","sentiment_score":-0.13698187470436096,"channel":0,"num_words":1,"start":27.449999,"end":27.949999},{"sentences":[{"text":"very weird.","start":27.529999,"end":28.050001,"sentiment":"neutral","sentiment_score":-0.18615569174289703},{"text":"But anyway","start":28.050001,"end":28.69,"sentiment":"neutral","sentiment_score":-0.06989314034581184}],"sentiment":"neutral","sentiment_score":-0.12802441604435444,"channel":1,"num_words":4,"start":27.529999,"end":28.69},{"sentences":[{"text":"yeah.","start":28.97,"end":29.47,"sentiment":"neutral","sentiment_score":-0.06073664873838425}],"sentiment":"neutral","sentiment_score":-0.06073664873838425,"channel":0,"num_words":1,"start":28.97,"end":29.47},{"sentences":[{"text":"yep.","start":29.33,"end":29.83,"sentiment":"neutral","sentiment_score":-0.05464710667729378}],"sentiment":"neutral","sentiment_score":-0.05464710667729378,"channel":1,"num_words":1,"start":29.33,"end":29.83},{"sentences":[{"text":"No.","start":30.33,"end":30.49,"sentiment":"neutral","sentiment_score":-0.17051970958709717},{"text":"That's","start":30.49,"end":30.73,"sentiment":"neutral","sentiment_score":-0.148017019033432}],"sentiment":"neutral","sentiment_score":-0.1592683643102646,"channel":0,"num_words":2,"start":30.33,"end":30.73},{"sentences":[{"text":"Okay.","start":30.61,"end":31.11,"sentiment":"neutral","sentiment_score":-0.10894446074962616}],"sentiment":"neutral","sentiment_score":-0.10894446074962616,"channel":1,"num_words":1,"start":30.61,"end":31.11},{"sentences":[{"text":"okay.","start":30.73,"end":30.97,"sentiment":"neutral","sentiment_score":-0.10711447894573212},{"text":"You sound like you're a little bit unwell.","start":30.97,"end":32.65,"sentiment":"negative","sentiment_score":-0.3778640106320381},{"text":"Is everything okay?","start":32.65,"end":33.79,"sentiment":"neutral","sentiment_score":-0.152244766553243}],"sentiment":"neutral","sentiment_score":-0.2988967386384805,"channel":0,"num_words":12,"start":30.73,"end":33.79},{"sentences":[{"text":"Oh, no.","start":34.21,"end":34.53,"sentiment":"neutral","sentiment_score":-0.15458831936120987},{"text":"I've just got a little bit of sinus.","start":34.53,"end":36.15,"sentiment":"neutral","sentiment_score":-0.25362709909677505},{"text":"That's fine","start":36.29,"end":37.11,"sentiment":"neutral","sentiment_score":-0.07175345905125141}],"sentiment":"neutral","sentiment_score":-0.2068083624665936,"channel":1,"num_words":12,"start":34.21,"end":37.11},{"sentences":[{"text":"Oh,","start":37.129997,"end":37.629997,"sentiment":"neutral","sentiment_score":-0.07545970380306244}],"sentiment":"neutral","sentiment_score":-0.07545970380306244,"channel":0,"num_words":1,"start":37.129997,"end":37.629997},{"sentences":[{"text":"at this time","start":37.17,"end":37.81,"sentiment":"neutral","sentiment_score":-0.09694281220436096}],"sentiment":"neutral","sentiment_score":-0.09694281220436096,"channel":1,"num_words":3,"start":37.17,"end":37.81},{"sentences":[{"text":"yeah.","start":37.77,"end":38.27,"sentiment":"neutral","sentiment_score":-0.07005225121974945}],"sentiment":"neutral","sentiment_score":-0.07005225121974945,"channel":0,"num_words":1,"start":37.77,"end":38.27},{"sentences":[{"text":"of the year.","start":37.81,"end":38.63,"sentiment":"neutral","sentiment_score":-0.08059290051460266},{"text":"Yeah.","start":38.85,"end":39.35,"sentiment":"neutral","sentiment_score":-0.015886519104242325}],"sentiment":"neutral","sentiment_score":-0.06441630516201258,"channel":1,"num_words":4,"start":37.81,"end":39.35},{"sentences":[{"text":"Yeah.","start":39.305,"end":39.805,"sentiment":"neutral","sentiment_score":-0.00008801091462373734},{"text":"Yeah.","start":39.865,"end":40.185,"sentiment":"neutral","sentiment_score":0.024938223883509636},{"text":"Understandable.","start":40.185,"end":40.685,"sentiment":"neutral","sentiment_score":0.07544352859258652},{"text":"Well, thank you so much for calling back, Colleen.","start":41.385002,"end":43.565002,"sentiment":"neutral","sentiment_score":0.32013677557309467},{"text":"As mentioned, my name is Dana.","start":44.185,"end":45.785,"sentiment":"neutral","sentiment_score":0.14050081993142763}],"sentiment":"neutral","sentiment_score":0.21247386896154946,"channel":0,"num_words":18,"start":39.305,"end":45.785},{"sentences":[{"text":"I'm one of the financial advisers here.","start":45.785,"end":47.305,"sentiment":"neutral","sentiment_score":0.1329564814056669},{"text":"I believe this is your first annual review that we're going through.","start":47.305,"end":49.865,"sentiment":"neutral","sentiment_score":0.13568059975902239},{"text":"So I'm just","start":49.865,"end":50.745003,"sentiment":"neutral","sentiment_score":0.07144315789143245}],"sentiment":"neutral","sentiment_score":0.12605418366464702,"channel":0,"num_words":22,"start":45.785,"end":50.745003},{"sentences":[{"text":"Yes.","start":50.644997,"end":51.144997,"sentiment":"neutral","sentiment_score":0.06164773181080818}],"sentiment":"neutral","sentiment_score":0.06164773181080818,"channel":1,"num_words":1,"start":50.644997,"end":51.144997},{"sentences":[{"text":"gonna go through to start.","start":50.745003,"end":51.865,"sentiment":"neutral","sentiment_score":0.06750279441475868},{"text":"We sorta have a look at how everything's going.","start":51.865,"end":53.79,"sentiment":"neutral","sentiment_score":0.1062889157070054},{"text":"We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement 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been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review?","start":70.825,"end":77.245,"sentiment":"neutral","sentiment_score":0.049103137105703354}],"sentiment":"neutral","sentiment_score":0.07235680755389773,"channel":0,"num_words":46,"start":65.065,"end":77.245},{"sentences":[{"text":"No.","start":77.855,"end":78.175,"sentiment":"neutral","sentiment_score":-0.13140417635440826},{"text":"Everything's the 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my","start":81.135,"end":81.695,"sentiment":"neutral","sentiment_score":0.11010648682713509}],"sentiment":"neutral","sentiment_score":0.11010648682713509,"channel":1,"num_words":2,"start":81.135,"end":81.695},{"sentences":[{"text":"Beautiful.","start":81.39,"end":81.87,"sentiment":"neutral","sentiment_score":0.2684069573879242}],"sentiment":"neutral","sentiment_score":0.2684069573879242,"channel":0,"num_words":1,"start":81.39,"end":81.87},{"sentences":[{"text":"working.","start":81.695,"end":82.195,"sentiment":"neutral","sentiment_score":0.17856433987617493}],"sentiment":"neutral","sentiment_score":0.17856433987617493,"channel":1,"num_words":1,"start":81.695,"end":82.195},{"sentences":[{"text":"Look.","start":81.87,"end":82.03001,"sentiment":"neutral","sentiment_score":0.10185307264328004},{"text":"Yep.","start":82.03001,"end":82.53001,"sentiment":"neutral","sentiment_score":0.058730900287628174},{"text":"That's okay.","start":83.630005,"end":84.270004,"sentiment":"neutral","sentiment_score":0.07514076679944992},{"text":"And","start":84.270004,"end":84.43,"sentiment":"neutral","sentiment_score":0.03394676744937897}],"sentiment":"neutral","sentiment_score":0.0689624547958374,"channel":0,"num_words":5,"start":81.87,"end":84.43},{"sentences":[{"text":"Yep.","start":84.36,"end":84.86,"sentiment":"neutral","sentiment_score":0.024746214970946312}],"sentiment":"neutral","sentiment_score":0.024746214970946312,"channel":1,"num_words":1,"start":84.36,"end":84.86},{"sentences":[{"text":"how's everything going for work?","start":84.43,"end":85.47,"sentiment":"neutral","sentiment_score":0.02356658261269331},{"text":"Have you been lucky enough to get a bit of a pay 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details there for me.","start":375.05,"end":377.625,"sentiment":"positive","sentiment_score":0.4284593641757965},{"text":"Now","start":377.865,"end":378.105,"sentiment":"neutral","sentiment_score":0.015829341486096382}],"sentiment":"positive","sentiment_score":0.36054173584740895,"channel":0,"num_words":13,"start":374.16998,"end":378.105},{"sentences":[{"text":"No.","start":378.00998,"end":378.50998,"sentiment":"neutral","sentiment_score":-0.008747464045882225}],"sentiment":"neutral","sentiment_score":-0.008747464045882225,"channel":1,"num_words":1,"start":378.00998,"end":378.50998},{"sentences":[{"text":"I'll jump into giving you a little bit of an update on your super there.","start":378.105,"end":380.825,"sentiment":"neutral","sentiment_score":0.0400655709207058},{"text":"So when I sort of look back at twelve months ago, your balance inside super was about $177,006.84.","start":380.825,"end":387.965,"sentiment":"neutral","sentiment_score":0.0329191368073225},{"text":"Looking at 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moment.","start":753.22003,"end":759.16003,"sentiment":"neutral","sentiment_score":-0.13292157454859643},{"text":"It's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there.","start":759.78,"end":770.74506,"sentiment":"neutral","sentiment_score":-0.1874988806067091}],"sentiment":"neutral","sentiment_score":-0.16627437269522083,"channel":0,"num_words":54,"start":753.22003,"end":770.74506},{"sentences":[{"text":"Okay.","start":771.73,"end":772.23,"sentiment":"neutral","sentiment_score":0.0002725459635257721}],"sentiment":"neutral","sentiment_score":0.0002725459635257721,"channel":1,"num_words":1,"start":771.73,"end":772.23},{"sentences":[{"text":"What I could do if you like is I could go back and just have a look at your portfolio, maybe look at rebalancing it to make sure that you're, you know, taking on the right level of risk for where you are comfortable to be, and maybe also","start":771.765,"end":784.4,"sentiment":"neutral","sentiment_score":0.07560104853948768}],"sentiment":"neutral","sentiment_score":0.07560104853948768,"channel":0,"num_words":49,"start":771.765,"end":784.4},{"sentences":[{"text":"Yep.","start":784.185,"end":784.685,"sentiment":"neutral","sentiment_score":0.05541035532951355}],"sentiment":"neutral","sentiment_score":0.05541035532951355,"channel":1,"num_words":1,"start":784.185,"end":784.685},{"sentences":[{"text":"look at swapping out that investment if it's underperforming a little bit for you.","start":784.4,"end":787.84,"sentiment":"neutral","sentiment_score":0.03877802126641784},{"text":"Would you like me to do 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things do get sent through via email, so you're welcome just to let us know or even","start":922.94,"end":928.315,"sentiment":"neutral","sentiment_score":0.16291115974838083}],"sentiment":"neutral","sentiment_score":0.16084162828822932,"channel":0,"num_words":24,"start":921.34,"end":928.315},{"sentences":[{"text":"Yep.","start":928.15497,"end":928.65497,"sentiment":"neutral","sentiment_score":0.13655725121498108}],"sentiment":"neutral","sentiment_score":0.13655725121498108,"channel":1,"num_words":1,"start":928.15497,"end":928.65497},{"sentences":[{"text":"email back and say, hey.","start":928.315,"end":929.275,"sentiment":"neutral","sentiment_score":0.12635803669691087},{"text":"I need a bit of help reading through this.","start":929.275,"end":931.115,"sentiment":"neutral","sentiment_score":0.08706773569186528},{"text":"Can you explain it to 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everything","start":1701.515,"end":1703.435,"sentiment":"neutral","sentiment_score":0.04160433169454336}],"sentiment":"neutral","sentiment_score":0.04160433169454336,"channel":0,"num_words":8,"start":1701.515,"end":1703.435},{"sentences":[{"text":"Yeah.","start":1703.355,"end":1703.595,"sentiment":"neutral","sentiment_score":0.020640868693590164}],"sentiment":"neutral","sentiment_score":0.020640868693590164,"channel":1,"num_words":1,"start":1703.355,"end":1703.595},{"sentences":[{"text":"to","start":1703.435,"end":1703.675,"sentiment":"neutral","sentiment_score":0.005478926934301853}],"sentiment":"neutral","sentiment_score":0.005478926934301853,"channel":0,"num_words":1,"start":1703.435,"end":1703.675},{"sentences":[{"text":"No.","start":1703.595,"end":1703.835,"sentiment":"neutral","sentiment_score":0.012552457861602306}],"sentiment":"neutral","sentiment_score":0.012552457861602306,"channel":1,"num_words":1,"start":1703.595,"end":1703.835},{"sentences":[{"text":"you.","start":1703.675,"end":1703.915,"sentiment":"neutral","sentiment_score":0.025318693369627}],"sentiment":"neutral","sentiment_score":0.025318693369627,"channel":0,"num_words":1,"start":1703.675,"end":1703.915},{"sentences":[{"text":"That's","start":1703.835,"end":1704.075,"sentiment":"neutral","sentiment_score":0.033609796315431595}],"sentiment":"neutral","sentiment_score":0.033609796315431595,"channel":1,"num_words":1,"start":1703.835,"end":1704.075},{"sentences":[{"text":"Do","start":1703.915,"end":1704.0751,"sentiment":"neutral","sentiment_score":0.06587806344032288}],"sentiment":"neutral","sentiment_score":0.06587806344032288,"channel":0,"num_words":1,"start":1703.915,"end":1704.0751},{"sentences":[{"text":"okay.","start":1704.075,"end":1704.5549,"sentiment":"neutral","sentiment_score":0.1082904189825058}],"sentiment":"neutral","sentiment_score":0.1082904189825058,"channel":1,"num_words":1,"start":1704.075,"end":1704.5549},{"sentences":[{"text":"you have","start":1704.0751,"end":1704.655,"sentiment":"neutral","sentiment_score":0.07286498136818409}],"sentiment":"neutral","sentiment_score":0.07286498136818409,"channel":0,"num_words":2,"start":1704.0751,"end":1704.655},{"sentences":[{"text":"Thank you.","start":1704.5549,"end":1705.2949,"sentiment":"neutral","sentiment_score":0.25251730531454086}],"sentiment":"neutral","sentiment_score":0.25251730531454086,"channel":1,"num_words":2,"start":1704.5549,"end":1705.2949},{"sentences":[{"text":"that's alright.","start":1705.515,"end":1705.995,"sentiment":"neutral","sentiment_score":0.18294330686330795},{"text":"Do you have any questions for me at the moment?","start":1705.995,"end":1707.995,"sentiment":"neutral","sentiment_score":0.10114260166883468},{"text":"I know I go through a lot with you.","start":1707.995,"end":1709.275,"sentiment":"neutral","sentiment_score":-0.04783211234543058},{"text":"I'm so sorry.","start":1709.275,"end":1709.8351,"sentiment":"neutral","sentiment_score":-0.19988815983136496},{"text":"It's early","start":1709.8351,"end":1710.3151,"sentiment":"neutral","sentiment_score":-0.16454993933439255}],"sentiment":"neutral","sentiment_score":0.0006945869670464442,"channel":0,"num_words":26,"start":1705.515,"end":1710.3151},{"sentences":[{"text":"Yeah.","start":1710.315,"end":1710.635,"sentiment":"neutral","sentiment_score":-0.03668629005551338}],"sentiment":"neutral","sentiment_score":-0.03668629005551338,"channel":1,"num_words":1,"start":1710.315,"end":1710.635},{"sentences":[{"text":"in the morning","start":1710.3151,"end":1710.875,"sentiment":"neutral","sentiment_score":-0.04186081265409788}],"sentiment":"neutral","sentiment_score":-0.04186081265409788,"channel":0,"num_words":3,"start":1710.3151,"end":1710.875},{"sentences":[{"text":"No.","start":1710.635,"end":1710.7949,"sentiment":"neutral","sentiment_score":-0.1226738542318344},{"text":"That's","start":1710.7949,"end":1711.115,"sentiment":"neutral","sentiment_score":-0.14473137259483335}],"sentiment":"neutral","sentiment_score":-0.13370261341333387,"channel":1,"num_words":2,"start":1710.635,"end":1711.115},{"sentences":[{"text":"still.","start":1710.875,"end":1711.375,"sentiment":"neutral","sentiment_score":-0.1043872982263565}],"sentiment":"neutral","sentiment_score":-0.1043872982263565,"channel":0,"num_words":1,"start":1710.875,"end":1711.375},{"sentences":[{"text":"okay.","start":1711.115,"end":1711.615,"sentiment":"neutral","sentiment_score":0.01071413978934288},{"text":"No.","start":1711.755,"end":1711.995,"sentiment":"neutral","sentiment_score":-0.0975530743598938},{"text":"No.","start":1711.995,"end":1712.235,"sentiment":"neutral","sentiment_score":-0.08491763472557068},{"text":"That sound all sounds good.","start":1712.235,"end":1713.6749,"sentiment":"positive","sentiment_score":0.37156415581703184},{"text":"Thank you.","start":1713.6749,"end":1714.4149,"sentiment":"positive","sentiment_score":0.7365123629570007}],"sentiment":"neutral","sentiment_score":0.31590889357030394,"channel":1,"num_words":10,"start":1711.115,"end":1714.4149},{"sentences":[{"text":"Fantastic, Colleen.","start":1714.73,"end":1715.61,"sentiment":"positive","sentiment_score":0.7995869815349579},{"text":"Well, I will let you go.","start":1715.61,"end":1716.57,"sentiment":"positive","sentiment_score":0.42728565633296967},{"text":"We'll get that email out to you shortly and your annual review docs.","start":1716.57,"end":1719.37,"sentiment":"positive","sentiment_score":0.48401241348339963},{"text":"If you have any questions, please let me know.","start":1719.37,"end":1721.53,"sentiment":"neutral","sentiment_score":0.3062049100796382},{"text":"I hope you have a good day.","start":1721.53,"end":1723.23,"sentiment":"positive","sentiment_score":0.6596241508211408}],"sentiment":"positive","sentiment_score":0.48184493304909887,"channel":0,"num_words":37,"start":1714.73,"end":1723.23},{"sentences":[{"text":"You too.","start":1723.49,"end":1724.0499,"sentiment":"positive","sentiment_score":0.4058849960565567},{"text":"Thank you for that.","start":1724.0499,"end":1725.11,"sentiment":"positive","sentiment_score":0.7206321805715561}],"sentiment":"positive","sentiment_score":0.6157164523998896,"channel":1,"num_words":6,"start":1723.49,"end":1725.11},{"sentences":[{"text":"Thanks, Colleen.","start":1725.261,"end":1726.221,"sentiment":"positive","sentiment_score":0.5722858905792236},{"text":"Talk to","start":1726.221,"end":1726.621,"sentiment":"neutral","sentiment_score":0.16315858066082}],"sentiment":"positive","sentiment_score":0.3677222356200218,"channel":0,"num_words":4,"start":1725.261,"end":1726.621},{"sentences":[{"text":"No.","start":1726.5299,"end":1727.0299,"sentiment":"neutral","sentiment_score":-0.05461929365992546}],"sentiment":"neutral","sentiment_score":-0.05461929365992546,"channel":1,"num_words":1,"start":1726.5299,"end":1727.0299},{"sentences":[{"text":"you very soon.","start":1726.621,"end":1727.5209,"sentiment":"neutral","sentiment_score":0.11321546137332916}],"sentiment":"neutral","sentiment_score":0.11321546137332916,"channel":0,"num_words":3,"start":1726.621,"end":1727.5209},{"sentences":[{"text":"Okay.","start":1727.6499,"end":1728.0499,"sentiment":"neutral","sentiment_score":0.1762203872203827}],"sentiment":"neutral","sentiment_score":0.1762203872203827,"channel":1,"num_words":1,"start":1727.6499,"end":1728.0499},{"sentences":[{"text":"Thanks.","start":1727.6609,"end":1728.0609,"sentiment":"positive","sentiment_score":0.5224102735519409}],"sentiment":"positive","sentiment_score":0.5224102735519409,"channel":0,"num_words":1,"start":1727.6609,"end":1728.0609},{"sentences":[{"text":"Bye.","start":1728.0499,"end":1728.5499,"sentiment":"neutral","sentiment_score":0.3270431160926819}],"sentiment":"neutral","sentiment_score":0.3270431160926819,"channel":1,"num_words":1,"start":1728.0499,"end":1728.5499},{"sentences":[{"text":"See you later.","start":1728.0609,"end":1728.881,"sentiment":"positive","sentiment_score":0.37178346514701843},{"text":"Bye.","start":1728.9409,"end":1729.4409,"sentiment":"neutral","sentiment_score":-0.11434268206357956}],"sentiment":"neutral","sentiment_score":0.25025192834436893,"channel":0,"num_words":4,"start":1728.0609,"end":1729.4409}]},"summary":{"result":"success","short":"A financial adviser named Dana updates Colleen on her sleep, work, and expenses, and suggests ways to reduce mortgage payments and retirement savings. They discuss her assets and retirement plans, and the agent suggests a dating advice to help save on income tax. The speaker suggests reducing risk levels and staying in the portfolio for a few months or year to see the returns, and offers to assist with estate planning and power of attorney. The agent advises Colleen to read the risk levels and return expectations and to reduce risk with contributions. They also discuss retirement insurance coverage and the annual review pack. The agent explains that the customer is protected from mental health issues and will look into their insurance policy for exclusions."},"intents":{"segments":[{"text":"I had you booked in to negotiate your annual review today. Is now still a good time there for you?","start_word":23,"end_word":42,"intents":[{"intent":"Negotiate annual review","confidence_score":0.59750473}]},{"text":"gonna go through to start. We sorta have a look at how everything's going. We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement goals. Okay?","start_word":175,"end_word":231,"intents":[{"intent":"Get update on sleep and goals","confidence_score":0.0032454964}]},{"text":"Firstly, Colleen, just wanted to check-in to see how everything's been in the last sort of twelve months. Has there been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review? No.","start_word":236,"end_word":281,"intents":[{"intent":"Check-in with financial status","confidence_score":0.00003401347}]},{"text":"So whilst we are still in the accumulation phase, once we kinda get to the age of 60, there are some other great strategies we can put in place. Has anyone ever spoken to you or explained what maybe a transition or a time and strategy might be or what that is?","start_word":673,"end_word":724,"intents":[{"intent":"Discuss transition strategies","confidence_score":0.023597153}]},{"text":"So when you're about 59 or in that twelve months period, we could look at our dating advice to have a look at what that can look like for you.","start_word":809,"end_word":838,"intents":[{"intent":"Review dating advice","confidence_score":0.025149602}]},{"text":"It allows you to draw some money out of super to keep your income the same, but we then push more money into super. It essentially is a really great strategy to help save on income tax, but also make more contributions to super whilst keeping your take home pay exactly the same. So Alright.","start_word":850,"end_word":904,"intents":[{"intent":"Discuss super savings","confidence_score":0.076760866}]},{"text":"Other assets I have noted here, you've got some Yes. shares through NRMA there. Do you still have those? We do.","start_word":929,"end_word":949,"intents":[{"intent":"Discuss nrma shares","confidence_score":0.0033133656}]},{"text":"Other assets I have noted here, you've got some Yes. shares through NRMA there. Do you still have those? We do. Yep. Beautiful. I've got here that you had a value of about 13,000 on those. Is that still Yeah. fairly accurate?","start_word":929,"end_word":970,"intents":[{"intent":"Confirm asset value","confidence_score":0.025932046}]},{"text":"I've got here that you had a value of about 13,000 on those. Is that still Yeah.","start_word":952,"end_word":968,"intents":[{"intent":"Discuss asset value","confidence_score":0.20678745}]},{"text":"How many vehicles do you have there at the moment? Just the two.","start_word":1018,"end_word":1030,"intents":[{"intent":"Confirm number of vehicles","confidence_score":0.021927191}]},{"text":"So from inception, the balance I've got today so you've made about 20,000, which is a 9.66% return. And your balance Yes.","start_word":1434,"end_word":1455,"intents":[{"intent":"Inquire about balance","confidence_score":0.01160633}]},{"text":"And when we look at from inception of the account, which was in the 05/01/2024. Deposits to the account is $1.89, Alright. But you've made an 18% return since coming on board originally. I'm just gonna have a look at the transactions to see what was rolled in for you. Yeah.","start_word":1479,"end_word":1529,"intents":[{"intent":"Discuss transaction details","confidence_score":0.015305682}]},{"text":"So when your contributions are going into super, they're not included into the growth or the income component. The income is dividends that get paid out, which gets compounded Okay.","start_word":1572,"end_word":1601,"intents":[{"intent":"Explain how contributions are valued","confidence_score":0.00016013123}]},{"text":"The income is dividends that get paid out, which gets compounded Okay.","start_word":1590,"end_word":1601,"intents":[{"intent":"Explain income and dividends","confidence_score":0.0022190565}]},{"text":"and reinvested back into your portfolio, and then the growth is considered the difference in the share price. So if, for Mhmm. example, Okay. say, you've got, you know, a CBA and it might have been valued at $50 per share, the next day, it's a $100 per share. The difference in that share price is essentially your growth there. And Alright.","start_word":1602,"end_word":1663,"intents":[{"intent":"Explain difference in share price","confidence_score":0.063833795}]},{"text":"what your portfolio is made, which is good. Does that make sense? Did Okay.","start_word":1712,"end_word":1725,"intents":[{"intent":"Explain portfolio structure","confidence_score":0.22661725}]},{"text":"I go through all the individual investments within the portfolio there, they are all performing really, really nicely. To give you a bit of an example, you've got some physical gold in there, which on its own has seen over 79% return for the year. So sorry.","start_word":1955,"end_word":2001,"intents":[{"intent":"Discuss investments","confidence_score":0.051389594}]},{"text":"When I look at Mhmm. how that individual investment has performed over the year, it is showing it is down a little bit at the moment. It's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there. Okay.","start_word":2196,"end_word":2255,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.50207394}]},{"text":"But having a passively managed investment fund can also be a little bit cheaper for you. Did you want me to sort of look at making it cost effective, or did you wanna take a bit more risk and maybe see if we can outperform against the market? What would you like?","start_word":2604,"end_word":2655,"intents":[{"intent":"Discuss investment strategies","confidence_score":0.0070057428}]},{"text":"So when we look at the portfolios and your risk level, we wanna make sure you're invested in a way that you're comfortable with the risk you're taking, that you're getting Mhmm.","start_word":2875,"end_word":2906,"intents":[{"intent":"Understand risks","confidence_score":0.007859825}]},{"text":"the investors where we do see we take a bit more risk, but we want the better returns, and they do, over the longer term, provide greater levels of returns. Mhmm.","start_word":3048,"end_word":3078,"intents":[{"intent":"Evaluate risk levels","confidence_score":0.009195847}]},{"text":"Then you also see about 20% in those lower risk investments, the things like cash, bonds, and fixed interest. Do Mhmm. you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level? How do you feel?","start_word":3079,"end_word":3148,"intents":[{"intent":"Monitor risk levels","confidence_score":0.00043182203}]},{"text":"you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level? How do you feel?","start_word":3100,"end_word":3148,"intents":[{"intent":"Track portfolios","confidence_score":0.008377412},{"intent":"Evaluate comfort level","confidence_score":0.02516972},{"intent":"Evaluate comfort level","confidence_score":0.18523969},{"intent":"Determine comfort level","confidence_score":0.0115965735}]},{"text":"out next year and have, you know, a negative one, two, five, ten percent depending on what happens. And then we just wanna make sure you can stay in that portfolio and not maybe make any changes until it recovers back and we do Yeah.","start_word":3289,"end_word":3333,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.101942904}]},{"text":"So your super is performing really nicely for the year, which is fantastic.","start_word":3593,"end_word":3605,"intents":[{"intent":"Discuss super super status","confidence_score":0.0002541559}]},{"text":"So you do have your nearest insurance policy. You've got your life cover, which currently has a sum insured of 262,500, and then your TPD with the same level of cover. If Mhmm.","start_word":3614,"end_word":3646,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.0037255161},{"intent":"Discuss insurance coverage","confidence_score":0.15883449}]},{"text":"So when we sort of look at this, just based on the current balance there, your super in the event of passing is fully paid out, which is, at the moment, a balance of 207,712. And then he Mhmm. would also be able to receive or claim 50% of your life insurance there, and then your two children being able to claim 25% there as well. But based on the balances, would pay out the mortgage.","start_word":3827,"end_word":3902,"intents":[{"intent":"Discuss super balance","confidence_score":0.027998058}]},{"text":"retaining that is preferable for the moment. We'll keep reviewing that with you. Obviously, with your Yep. insurance is the older you get, the likelihood of you claiming increases. So the policy does get more expensive over time and does provide an effect on your super. So we'll just make sure we keep reviewing that with you. Yeah. Yep.","start_word":4014,"end_word":4072,"intents":[{"intent":"Retain and review policy","confidence_score":0.010807979}]},{"text":"And if you ever wanted to reduce the level or a bit you know, the cost is a bit too high, just let me know. We can always look at that for you. Yeah.","start_word":4073,"end_word":4106,"intents":[{"intent":"Reduce cost","confidence_score":0.6606934}]},{"text":"So, but did you wanna look at getting any additional insurances? Are you happy just with the life in TPD you have at the moment?","start_word":4254,"end_word":4278,"intents":[{"intent":"Review additional insurances","confidence_score":0.0028685408}]},{"text":"If you ever wanted to get a bit more information or have a more in-depth conversation around those, do let me know. I'm more than happy to Okay.","start_word":4295,"end_word":4322,"intents":[{"intent":"Provide information","confidence_score":0.104922995}]},{"text":"assist you in that area. Alright.","start_word":4324,"end_word":4329,"intents":[{"intent":"Assist in area","confidence_score":0.02376447}]},{"text":"Have you guys got our updated will, power of attorney? Have you talked about doing the estate planning side of things? We've spoken about it, but we still haven't done it. Yeah. So we definitely No. need to do that. Yeah. Yeah. That's okay. Would you like us to send you an email just with some information on a local solicitor at a bit of a costing?","start_word":4361,"end_word":4427,"intents":[{"intent":"Update on solicitor","confidence_score":0.016711824}]},{"text":"Have you talked about doing the estate planning side of things?","start_word":4371,"end_word":4381,"intents":[{"intent":"Assist with estate planning","confidence_score":0.01740437}]},{"text":"Would you like us to send you an email just with some information on a local solicitor at a bit of a costing?","start_word":4405,"end_word":4427,"intents":[{"intent":"Send email with information","confidence_score":0.5124515}]},{"text":"Now the only other thing to go through and let you know is we do send out the annual review pack.","start_word":4489,"end_word":4509,"intents":[{"intent":"Send annual review pack","confidence_score":0.43628263},{"intent":"Send annual review pack","confidence_score":0.1847711}]},{"text":"I'll I'll get my colleague, Michelle, to send out the annual review pack. As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there. Have a look through those.","start_word":4623,"end_word":4697,"intents":[{"intent":"Coordinate call with colleague","confidence_score":0.0002300151}]},{"text":"As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there. Have a look through those.","start_word":4636,"end_word":4697,"intents":[{"intent":"Check coverage for insurances","confidence_score":0.012095412},{"intent":"Show report on super","confidence_score":0.0010163073}]},{"text":"I'll make some time to go through those with you and kinda break it down. I know it can be a lot when I'm sort of explaining it to you and then you see Yeah.","start_word":4714,"end_word":4748,"intents":[{"intent":"Inform and explain","confidence_score":0.0037523406}]},{"text":"it says here that there is an exclusion on the BVD that no claim shall be payable under the benefit for the condition or event given rise to a claim as a result of any mental health disorder, including anxiety, depression, stress, adjustment disorders, emotional or behavioral disorders. So is this saying Yep.","start_word":5224,"end_word":5276,"intents":[{"intent":"Discuss and resolve tbd claims","confidence_score":0.00008421837}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.17514026165008545},{"text":"Good morning, Colleen.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.414506733417511},{"text":"How are you?","start_word":4,"end_word":6,"sentiment":"neutral","sentiment_score":0.32868972420692444},{"text":"Not bad. Thanks. How are you? I'm very well. Thank you. Thanks for returning my call. I had you booked in to negotiate your annual review today.","start_word":7,"end_word":33,"sentiment":"positive","sentiment_score":0.4864259362220764},{"text":"Is now still a good time there for you? Yeah. No. That's fine. Did you try calling me? Did you? Yeah. Yeah. It it did ring once, and then it went straight through the voice mail. That's interesting. Because I have the phone Yeah. in my hand. I was just talking to my boss, so that was Oh, very weird. But anyway yeah. yep. No. That's Okay. okay.","start_word":34,"end_word":101,"sentiment":"neutral","sentiment_score":-0.013000593520700932},{"text":"You sound like you're a little bit unwell.","start_word":102,"end_word":109,"sentiment":"negative","sentiment_score":-0.3830755949020386},{"text":"Is everything okay? Oh, no. I've just got a little bit of sinus. That's fine Oh, at this time yeah. of the year. Yeah. Yeah. Yeah. Understandable. Well, thank you so much for calling back, Colleen. As mentioned, my name is Dana. I'm one of the financial advisers here. I believe this is your first annual review that we're going through. So I'm just Yes. gonna go through to start. We sorta have a look at how everything's going. We wanna give you a bit of an update on what's been happening with your sleep, but, also, look at your goals to see if there's any new advice that maybe needs to be updated as we work towards your retirement goals. Okay? I can. Mhmm.","start_word":110,"end_word":234,"sentiment":"neutral","sentiment_score":0.06634891778230667},{"text":"Fantastic.","start_word":235,"end_word":235,"sentiment":"positive","sentiment_score":0.33880841732025146},{"text":"Firstly, Colleen, just wanted to check-in to see how everything's been in the last sort of twelve months. Has there been any major changes to your circumstances, or is there anything specific you wanted me to touch on today as part of your annual review? No. Everything's the same. Yeah. Yeah. Okay. All my Beautiful. working. Look. Yep. That's okay. And Yep. how's everything going for work? Have you been lucky enough to get a bit of a pay rise? Or I don't think so. Not since my last. no? No. No. That's okay. Income wise, I had you down earning about 70,000 per annum. Is that about the same still? Yes. Yep. Yep.","start_word":236,"end_word":349,"sentiment":"neutral","sentiment_score":0.022129376909058345},{"text":"Beautiful. Fantastic.","start_word":350,"end_word":351,"sentiment":"positive","sentiment_score":0.7076647281646729},{"text":"And having a look here, it looks like you're not making any additional contributions to super over and above the employer contributions. No. How's your expenditure going at the moment? Do you have any sort of free cash at the end of the week, or is everything going towards your mortgage repayments? And Yeah. Everything's going towards our mortgage payments. yeah. That's okay. So you wouldn't wanna be making additional contributions to Super No. at the moment, maybe down the Yeah. track? Yeah. Yeah. That's absolutely okay. That's not a problem at all. Looking at your assets I have here, I've got your main primary residence. You had an asset value on that last time of about a million dollars. What Yep. sort of value would that be to you now? Do you think it might have increased a bit? Or Yeah. I think I'll probably around about 1.2, 1.3.","start_word":352,"end_word":501,"sentiment":"neutral","sentiment_score":0.002474491484463215},{"text":"oh, fantastic. Beautiful.","start_word":502,"end_word":504,"sentiment":"positive","sentiment_score":0.39762061834335327},{"text":"And on the mortgage, we had about a 179,000. Have you been able to reduce that a little bit? Yeah. It's down to about 140. Oh, wow.","start_word":505,"end_word":531,"sentiment":"neutral","sentiment_score":0.03303498402237892},{"text":"Fantastic. That's a really good drop. Excellent.","start_word":532,"end_word":538,"sentiment":"positive","sentiment_score":0.4340282082557678},{"text":"One of the goals here that was that you were looking to, medium term wise, reduce that mortgage by that $1.79 and have it sort of paid off. Yep. You've done a really good job in reducing that as it is, but are you looking to try and have that paid off by the time of retirement? Or Yes. oh, yep.","start_word":539,"end_word":599,"sentiment":"neutral","sentiment_score":0.14160527288913727},{"text":"Perfect. Definitely. And I've excellent.","start_word":600,"end_word":604,"sentiment":"positive","sentiment_score":0.4369655251502991},{"text":"And I've got here that you are hoping to be able to start retirement or access super at around about age 63. Is that still your goal age for that? It is. Whether I get there Yep. or not, yeah, it's another Yep. thing. No. That's understandable. All good. We'll have you look at things because you're 58 this year, is that right, in November? Yes. Yeah. So whilst we are still in the accumulation phase, once we kinda get to the age of 60, there are some other great strategies we can put in place. Has anyone ever spoken to you or explained what maybe a transition or a time and strategy might be or what that is? I've had a couple of friends mention that, but, yeah, I Yeah. haven't really sort of gotten into it yet. I feel like No. I've still That's got a couple of years before I good. get to that. So You do you do have about three years there. When mhmm. you are close to it, we can definitely have a look at how that's gonna look for you. Yep. But, essentially, I would sort of wanna try and get that ready before you turn 60. So when you're about 59 or in that twelve months period, we could look at our dating advice to have a look at what that can look like for you.","start_word":605,"end_word":838,"sentiment":"neutral","sentiment_score":0.08413697199689017},{"text":"But, essentially, it allows you to continue working as you are. It allows you to draw some money out of super to keep your income the same, but we then push more money into super. It essentially is a really great strategy to help save on income tax, but also make more contributions to super whilst keeping your take home pay exactly the same.","start_word":839,"end_word":902,"sentiment":"positive","sentiment_score":0.36033353209495544},{"text":"So Alright. we'll Okay. we can look at that down the track for you to see if that'll give you some benefit. Okay? Okay. Mhmm.","start_word":903,"end_word":927,"sentiment":"neutral","sentiment_score":0.1878306120634079},{"text":"Fantastic.","start_word":928,"end_word":928,"sentiment":"positive","sentiment_score":0.4758580625057221},{"text":"Other assets I have noted here, you've got some Yes. shares through NRMA there. Do you still have those? We do. Yep.","start_word":929,"end_word":950,"sentiment":"neutral","sentiment_score":0.12837329506874084},{"text":"Beautiful.","start_word":951,"end_word":951,"sentiment":"positive","sentiment_score":0.4258497953414917},{"text":"I've got here that you had a value of about 13,000 on those. Is that still Yeah. fairly accurate? Yep. Yeah. It's Beautiful. probably a little bit more now, but I'm not sure how much because we have our we have whatever we make on it goes straight back into it. Okay. Yeah. Absolutely. Not a problem at all. And I had here cars, so plural. How many vehicles do you have there at the moment? Just the two. Just the two vehicles.","start_word":952,"end_word":1034,"sentiment":"neutral","sentiment_score":0.0883159190416336},{"text":"Lovely.","start_word":1035,"end_word":1035,"sentiment":"positive","sentiment_score":0.5177913904190063},{"text":"I'll split them up so we can note them down correctly for you. I'll either know what's one of the vehicles that you have there, and what's the value of that vehicle? The c x five, which is probably Yep. around about, I don't know, $1,520,000. Yeah.","start_word":1036,"end_word":1082,"sentiment":"neutral","sentiment_score":0.09930747160886196},{"text":"Beautiful. Lovely.","start_word":1083,"end_word":1084,"sentiment":"positive","sentiment_score":0.5828835368156433},{"text":"And what's the other vehicle you would have there as well? It's a Ford Ute. That's my husband's. Audience? Yep. Yep. Beautiful. And and that's probably worth, I don't know, 10,000. 10,000. Beautiful. Yeah. Do you have any loans on any of those vehicles, or they're completely owned No. debt free? No. We own them. Beautiful. Not a problem at all.","start_word":1085,"end_word":1145,"sentiment":"neutral","sentiment_score":0.07919035106897354},{"text":"Fantastic.","start_word":1146,"end_word":1146,"sentiment":"positive","sentiment_score":0.5106761455535889},{"text":"Going through, is there any other assets, any other anything of value that you might wanna note down or any loans or credit cards that we should probably know about? No. No. Just Nope. my basic That's it. little $3,000 credit card that I have. Yeah. That's okay. Beautiful. And 3 thousand's the limit, is it? Yeah. Yeah. Beautiful.","start_word":1147,"end_word":1205,"sentiment":"neutral","sentiment_score":0.060793615877628326},{"text":"Thank you for updating all those details there for me.","start_word":1206,"end_word":1215,"sentiment":"positive","sentiment_score":0.4163719713687897},{"text":"Now No. I'll jump into giving you a little bit of an update on your super there. So when I sort of look back at twelve months ago, your balance inside super was about $177,006.84. Looking at where you've gone to in the twelve month period there, you've actually made when we look at the income and the growth, this is after any fees have been taken to account. You've actually made a 9.66% return. So when we break it down to income and growth as a dollar figure, it's about 20,176 that your super has made.","start_word":1216,"end_word":1312,"sentiment":"neutral","sentiment_score":0.10926971584558488},{"text":"So it's a really good, a really good amount of growth for the year. Definitely, I mean, it's going up. And with what we've seen in the markets this year with the volatility with what's going on overseas there, it's to come out on top of the 9% return is actually really good.","start_word":1313,"end_word":1365,"sentiment":"positive","sentiment_score":0.3853589594364166},{"text":"Okay? Okay. Yeah. Yep. For some reason, I thought I had about $1.96 when I first went over, but I must not. I don't know why I I thought I had that. that's okay. Let me go back and have a look for you. Let's go to inception and see what we had rolled in for you. It won't be a second. I'm just popping it up here. So from inception, the balance I've got today so you've made about 20,000, which is a 9.66% return. And your balance Yes. in the account at the moment were over 200,000, so 203,000 there, which sorry. $207,007.64 as of today's date there for you. Yeah. And when we look at from inception of the account, which was in the 05/01/2024. Deposits to the account is $1.89, Alright.","start_word":1366,"end_word":1500,"sentiment":"neutral","sentiment_score":0.07909578217400445},{"text":"But you've made an 18% return since coming on board originally.","start_word":1501,"end_word":1511,"sentiment":"positive","sentiment_score":0.34684237837791443},{"text":"I'm just gonna have a look at the transactions to see what was rolled in for you. Yeah. But No. you definitely It's okay.","start_word":1512,"end_word":1535,"sentiment":"neutral","sentiment_score":0.17461389303207395},{"text":"make you're definitely up from when you when you came on board originally, so you have certainly made some money there, which is really, really good to see, Yep.","start_word":1536,"end_word":1564,"sentiment":"positive","sentiment_score":0.43087172508239746},{"text":"and that's not looking at your contribution. So when your contributions are going into super, they're not included into the growth or the income component. The income is dividends that get paid out, which gets compounded Okay. and reinvested back into your portfolio, and then the growth is considered the difference in the share price. So if, for Mhmm. example, Okay. say, you've got, you know, a CBA and it might have been valued at $50 per share, the next day, it's a $100 per share. The difference in that share price is essentially your growth there. And Alright. whilst your contributions are going in from your employer, it's essentially considered principal, so it was not added to that growth. But the growth and the income is produced out of out of your capital that goes in there for you. Okay? So it Okay.","start_word":1565,"end_word":1708,"sentiment":"neutral","sentiment_score":0.06649670749902725},{"text":"is solely Thanks. what your portfolio is made, which is good.","start_word":1709,"end_word":1719,"sentiment":"positive","sentiment_score":0.48883599042892456},{"text":"Does that make sense? Did Okay. you want me to kinda break that down more for you? Well, you're welcome to ask me No. any No. questions That's you okay. like. That's okay. No.","start_word":1720,"end_word":1753,"sentiment":"neutral","sentiment_score":0.0526612251996994},{"text":"That's Beautiful. fine.","start_word":1754,"end_word":1756,"sentiment":"positive","sentiment_score":0.6397379636764526},{"text":"That's alright. Alright. So I've gone back to inception, had a look at the deposits here for you. So the original deposit in from Sea Bass, we had a $152,009.31. Mhmm. And then was there a secondary deposit in partway through? Sorry. I'm just going through all the No. You're transactions right. just to see when the secondary one went in. If there was a secondary one. No. So it just looks like it was the one rollover from SeaBus for the $1.52 $9.31. And so the total deposits would be including your contributions going in. So as a total, your initial rollover plus any employer contributions and deposits to the account from inception equals at $1.89, and then your balance Okay. as of today is 207,000. So you've made since inception an 18.15 return, and your portfolio has earned income and growth of from inception of about $39,009.39. So it's nearly 40,000 Okay.","start_word":1757,"end_word":1910,"sentiment":"neutral","sentiment_score":0.04916219040751457},{"text":"since you've come onboarding growth and and income there, which is good.","start_word":1911,"end_word":1922,"sentiment":"positive","sentiment_score":0.3432919681072235},{"text":"So we are seeing a bit Yeah. of growth.","start_word":1923,"end_word":1931,"sentiment":"neutral","sentiment_score":0.1702781766653061},{"text":"That's good. Yeah. Thank You you. wanna make sure it's compounding and going up, so that's really good Yeah.","start_word":1932,"end_word":1950,"sentiment":"positive","sentiment_score":0.3829227387905121},{"text":"to see. When Mhmm. I go through all the individual investments within the portfolio there, they are all performing really, really nicely. To give you a bit of an example, you've got some physical gold in there, which on its own has seen over 79% return for the year. So sorry. Yep. This is from inception. So that's a good return from inception for the last twelve months.","start_word":1951,"end_word":2018,"sentiment":"neutral","sentiment_score":0.17395426332950592},{"text":"It's up over 26%. The physical gold has done really well.","start_word":2019,"end_word":2029,"sentiment":"positive","sentiment_score":0.3683745265007019},{"text":"And then your battery and lithium tech has also really done really well for twelve months up over 89%. So everything has shown an increase there. The only ones that are showing a little bit of a decrease Mhmm. as individual investments is your VanEck Mhmm. property. So it's looking at property investments, both commercial and residential, and that's down by about 1.11 Yes. percent. So it's not down by a lot, not having a massive effect on your portfolio. You do also have the Benelon Australian Equities, which originally was put into your portfolio as more of an actively managed fund. So the idea of an active manager in a portfolio is that they're trying to outperform against the market trying to get better returns. When you look at having Yeah. active managers in your portfolio, there's no guarantees that they're going to do that. Sometimes they do, sometimes they don't, and you do pay a little bit more to have active managers in there. When I look at Mhmm. how that individual investment has performed over the year, it is showing it is down a little bit at the moment. It's not had a huge effect on your portfolio because you've had that 9% return, but that one investment is showing down 20%, so it has had a bit of a reduction there. Okay. What I could do if you like is I could go back and just have a look at your portfolio, maybe look at rebalancing it to make sure that you're, you know, taking on the right level of risk for where you are comfortable to be, and maybe also Yep. look at swapping out that investment if it's underperforming a little bit for you. Would you like me to do that? Yeah.","start_word":2030,"end_word":2327,"sentiment":"neutral","sentiment_score":0.037248518355440775},{"text":"That'll be great. Thank you.","start_word":2328,"end_word":2332,"sentiment":"positive","sentiment_score":0.5311267375946045},{"text":"Yep.","start_word":2333,"end_word":2333,"sentiment":"neutral","sentiment_score":0.2964136004447937},{"text":"Fantastic.","start_word":2334,"end_word":2334,"sentiment":"positive","sentiment_score":0.4701529145240784},{"text":"Did you want me to look at other active managers to keep to try and outperform against the market, or would you like to look at more of a passively managed investment, which might be a bit lower cost for you? Yeah. Whatever you think. I'm not right up on it. So That's what okay. you think yeah. Yeah. That's okay. So if you wanted to, what we could look at doing is I could look at trying to reduce some of the investment costs for you. The difference Mhmm. between an active and a passive manager, as I mentioned, an active investment manager is trying to buy and sell and pick the times that they buy into the market and buy into certain investments. They're trying to outperform against the market. So they are they are doing Yes. a lot more trading in the back end. With a passive Mhmm. investment, something like, as an example, the S and P 500, you're just tracking the market and following it up and down. The investment managers are just tracking the market and making changes as the indices are. They're tracking certain indices depending on what you're invested in. They're not trying to Yep. outperform against the market. They're trying to stay in the market and follow the market trends. And often just participating in the market and being in those sorts of index funds actually provides a greater return than having an active manager can. It just sort of depends on what the market does and how good the manager is that year and a few other factors. Yep. But having a passively managed investment fund can also be a little bit cheaper for you. Did you want me to sort of look at making it cost effective, or did you wanna take a bit more risk and maybe see if we can outperform against the market? What would you like? Yeah. Maybe try and make it cheaper. Cost effective. Yeah. Yeah.","start_word":2335,"end_word":2666,"sentiment":"neutral","sentiment_score":0.10122604010604232},{"text":"Perfect.","start_word":2667,"end_word":2667,"sentiment":"positive","sentiment_score":0.5091391801834106},{"text":"Yep. That's okay. Did you have more questions? Did you want me to break any of that down a bit more? You're welcome to ask No. me if you need more clarification. You just I do get my statements, but I'm not sure how to read them. Okay. That's alright. Like and I don't have one in front of me at the moment. So Yeah. I was thinking to myself, maybe I need to print one out and give you a call just to Yeah. give me a little bit of an idea on how to read them. Yeah. Absolutely. I know some of these things do get sent through via email, so you're welcome just to let us know or even Yep. email back and say, hey. I need a bit of help reading through this. Can you explain it to me? I'll make Okay. a time. We can look at the same statement and go through it with you, look at what it says, and you're welcome to ask those questions. Absolutely. Yeah. No.","start_word":2668,"end_word":2843,"sentiment":"neutral","sentiment_score":0.05015340819954872},{"text":"That'll be good. Thank you. That's not a problem at all.","start_word":2844,"end_word":2854,"sentiment":"positive","sentiment_score":0.4876328110694885},{"text":"Now, Colleen, having a look at the way you are invested, you are in a growth portfolio at the moment. So when we look at the portfolios and your risk level, we wanna make sure you're invested in a way that you're comfortable with the risk you're taking, that you're getting Mhmm. the returns that you're that we're tracking or that we're after with regard to the portfolio, but that you are comfortable with the volatility, the and downs that you're seeing as well because that kinda goes coincide with the risk. Yep. The the growth portfolio generally suits someone who has at least six years before they're willing to access their super. So Yep. because you've sort of said about age 63 at the moment, you're 57 now, you have just on that 60 time horizon, Mhmm. five years if we look at, you know, your birthday coming up in November Yes. this year. In that growth environment, you sort of generally see about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver. And those are Yes. the investors where we do see we take a bit more risk, but we want the better returns, and they do, over the longer term, provide greater levels of returns. Mhmm. Then you also see about 20% in those lower risk investments, the things like cash, bonds, and fixed interest. Do Mhmm. you feel like you're comfortable staying in that sort of environment for another few months or another year to see how things track, or are you a little bit more concerned about the market volatility and wanted to maybe look at reducing your risk level? How do you feel? Yeah. I don't know. I mean, if I have to work past sixty three, I have to work past sixty three. It's just the number that I sort of threw out there. That's all. Yeah. That's okay. Yeah. Like yeah. I think I'll just leave it the way it is at Yep. the moment. I mean, it's doing okay at the moment, isn't it? Like It is. It is. Yeah.","start_word":2855,"end_word":3218,"sentiment":"neutral","sentiment_score":0.08959222584962845},{"text":"Definitely. So there are ways to boost your super.","start_word":3219,"end_word":3227,"sentiment":"positive","sentiment_score":0.3616915345191955},{"text":"One of those is to take on a bit more risk, like stay in this portfolio a little bit longer. However, you are aware that in the short term, we could see those market ups and downs. So yeah. in the next Yeah. twelve months, depending on what happens in the market and with the world, generally, we could come Yeah. out next year and have, you know, a negative one, two, five, ten percent depending on what happens. And then we just wanna make sure you can stay in that portfolio and not maybe make any changes until it recovers back and we do Yeah. see a positive return. Yeah. In this sort of a portfolio, the likelihood of a negative return is expected sort of one in every six years. So over the Yeah. course of the next six years, you can expect at least one year where there is a negative return. Yeah. So it's more just about making sure you're comfortable with that. The Yeah. other That's option is fine. if you wanted to reduce your risk, we could look at additional contributions, but you sort of said you don't really have the cash flow for that at the No. moment. You're paying the mortgage. Yeah. Yes. Yeah. That's Yeah. okay. No. Did I you think wanna just leave it. Yeah. just say yep. Absolutely. Yes. Thanks. Not a problem. What I can do is, if you like, I can do another catch up with you in about six months to see how things are tracking, And Yep. then you've always got the option if you wanted to to say, hey. I wanna reduce the risk a little bit. We can always look at doing that for you. Yeah.","start_word":3228,"end_word":3520,"sentiment":"neutral","sentiment_score":-0.05517835542559624},{"text":"That sounds good. Thanks.","start_word":3521,"end_word":3524,"sentiment":"positive","sentiment_score":0.3655519187450409},{"text":"Yep.","start_word":3525,"end_word":3525,"sentiment":"neutral","sentiment_score":0.25638648867607117},{"text":"Beautiful.","start_word":3526,"end_word":3526,"sentiment":"positive","sentiment_score":0.4267549514770508},{"text":"Not a problem at all. So for the time being, I'll just go back and reassess the portfolio, have a bit of a look at rebalancing a few things to make sure that you're not overexposed currently, and maybe just swap Mhmm. out the underperforming investment for you. Is that okay for the moment? Yeah.","start_word":3527,"end_word":3581,"sentiment":"neutral","sentiment_score":0.03335849195718765},{"text":"That's great. Thank you for Yep. that. Beautiful.","start_word":3582,"end_word":3589,"sentiment":"positive","sentiment_score":0.47447648644447327},{"text":"That's okay.","start_word":3590,"end_word":3591,"sentiment":"neutral","sentiment_score":0.24994643032550812},{"text":"So your super is performing really nicely for the year, which is fantastic.","start_word":3592,"end_word":3604,"sentiment":"positive","sentiment_score":0.8042552471160889},{"text":"I've also got Mhmm. your insurance Yep. policy here. So you do have your nearest insurance policy. You've got your life cover, which currently has a sum insured of 262,500, and then your TPD with the same level of cover. If Mhmm. in the event of you passing away with your mortgage only being at that $140,000 mark, your life insurance is paid out to your beneficiary, which I Mhmm. do have here noted for you is sorry. Beneficiaries, I've got David and Jenna. So one's your child and one's your spouse. Is that right? Yeah. Yeah. And I think there's Sophie there as well. I think I've Yeah. got There is. David Jenner and Sophie. Yeah. Yeah. They you have. You've got Sophie there as well. Yeah. They've just noted a little bit further down the page for us. So it looks Yeah. like you've got 50% to David, Yep. 25% to to Jenna, and 25% to Sophie. Is that right? That's correct. Yeah. Yes. Perfect. Perfect. And with your sleep, we're just checking the beneficiaries there for you as well. Yeah. You've got, sorry. Takes a second for the computer You're to wake right. up. That's There we okay. go. I've got a 100% to David for in regards to your super. Does that sound about right? Yes. Yep. Perfect. So when we sort of look at this, just based on the current balance there, your super in the event of passing is fully paid out, which is, at the moment, a balance of 207,712. And then he Mhmm. would also be able to receive or claim 50% of your life insurance there, and then your two children being able to claim 25% there as well. But based on the balances, would pay out the mortgage. Is there anything else that you kind of wanted to cover with regard to your insurances, or was it just clearing the mortgage and giving them some extra money? Or Yeah. That that's all I wanted just to well, hopefully, we won't have to, but just basically to cover Yeah. the mortgage and just to have money so that he could grieve and, you know, not Yep. have to worry Takes about going to work or whatever. takes So some time off. Absolutely. yeah. Yeah. Yep.","start_word":3605,"end_word":3988,"sentiment":"neutral","sentiment_score":0.05135811019863468},{"text":"Perfect. Excellent. Well, the life benefit and the TBD benefit there at the moment do sort of meet that goal, which is fantastic.","start_word":3989,"end_word":4011,"sentiment":"positive","sentiment_score":0.5227429270744324},{"text":"So Mhmm. retaining that is preferable for the moment. We'll keep reviewing that with you. Obviously, with your Yep. insurance is the older you get, the likelihood of you claiming increases. So the policy does get more expensive over time and does provide an effect on your super. So we'll just make sure we keep reviewing that with you. Yeah. Yep. And if you ever wanted to reduce the level or a bit you know, the cost is a bit too high, just let me know. We can always look at that for you. Yeah. Okay? Especially when my mortgage reduces, I could probably reduce it a bit. Absolutely. Yeah. Yeah. Definitely. Yeah. Okay. Now it does look like you bought any kind of income protection or trauma insurance. So income protection does really pay out an income benefit, a monthly benefit if you're unable to go to work. If you were not able to work due to illness or injury, does David bring home enough money for you guys to survive, or do you have anything else to fall back on? Yeah. Dave, we would survive. Would survive. Like Yep. That's yeah. okay. Perfect. And with trauma, trauma is a a type of cover that pays out a lump sum tax rate benefit if you were to be diagnosed with, say, a heart attack, a stroke, certain neurological conditions. Cancer's probably the biggest one. Trauma, Yep. you can't pay for inside. So, but did you wanna look at getting any additional insurances? Are you happy just with the life in TPD you have at the moment? Yeah. I think I'll just leave it at the moment. Please. Thanks. Yeah. That's absolutely fine. If you ever wanted to get a bit more information or have a more in-depth conversation around those, do let me know.","start_word":4012,"end_word":4316,"sentiment":"neutral","sentiment_score":0.021479690447449684},{"text":"I'm more than happy to Okay.","start_word":4317,"end_word":4322,"sentiment":"positive","sentiment_score":0.3799693286418915},{"text":"assist you in that area. Alright. Okay.","start_word":4323,"end_word":4329,"sentiment":"neutral","sentiment_score":0.1317865401506424},{"text":"Thank you. That's alright. We've basically gone through most things. Now you're still working at the same employer. I can see that your contributions are going in, which is fantastic.","start_word":4330,"end_word":4359,"sentiment":"positive","sentiment_score":0.4977767765522003},{"text":"Yep. Have you guys got our updated will, power of attorney? Have you talked about doing the estate planning side of things? We've spoken about it, but we still haven't done it. Yeah. So we definitely No. need to do that. Yeah. Yeah. That's okay. Would you like us to send you an email just with some information on a local solicitor at a bit of a costing? It's not a referral to them as such. It's more just some information to kind of help Yeah. the You conversation can do that. to Yeah. to give you an Yeah. idea of what it might cost to do that. It's really Yeah.","start_word":4360,"end_word":4470,"sentiment":"neutral","sentiment_score":0.023179572075605392},{"text":"great for Sure. starting that conversation. Perfect. Okay. Thanks. Not a problem.","start_word":4471,"end_word":4482,"sentiment":"positive","sentiment_score":0.4536775350570678},{"text":"I'll get that out to you. Now the only other thing to go through and let you know is we do send out the annual review pack. So we go through this annual review. It looks like there is a bit of advice that I'm gonna go back and update for you with regards to the investments, which is fantastic. Moving Mhmm. forward, I'll do a six month review with you just to see how things are going. Mhmm. And just to let you know as well, Colleen, because you are working and life's a bit hectic, I also Yes. do work in the afternoon, so I can always make calls after work for you if you need to as well, work around your Okay. work schedule just to Thank make things you. a little bit easier on you. Yes. I'll I'll get my colleague, Michelle, to send out the annual review pack. As part of that pack, we do have the reports that I've gone through today showing you the level of cover for your insurances, how much you are paying for those, and it also does have the the report for your super that outlines, essentially, your balance, how much you have made in growth and income there. Have a look through those. If you do happen to have any questions, please email us back. Let Okay. me know. I'll make some time to go through those with you and kinda break it down. I know it can be a lot when I'm sort of explaining it to you and then you see Yeah. it after the fact.","start_word":4483,"end_word":4752,"sentiment":"neutral","sentiment_score":0.1419445509435954},{"text":"Yay.","start_word":4753,"end_word":4753,"sentiment":"positive","sentiment_score":0.6307606101036072},{"text":"I've also got it attached to the financial services guide, which essentially outlines everything about who we are, what we do, how we do it.","start_word":4754,"end_word":4778,"sentiment":"neutral","sentiment_score":0.26054927706718445},{"text":"It's also got a lovely picture of me in there for you and Oh, all thank my you.","start_word":4779,"end_word":4796,"sentiment":"positive","sentiment_score":0.4744000434875488},{"text":"licensing number as well as a licensed adviser. I am registered through ASIC for you. Okay. Okay.","start_word":4797,"end_word":4813,"sentiment":"neutral","sentiment_score":0.20603831112384796},{"text":"Thank you for Excellent. that.","start_word":4814,"end_word":4818,"sentiment":"positive","sentiment_score":0.6539799571037292},{"text":"And then we've also got the ongoing service agreement for the next twelve months there. So just to kind of make sure that you are fully aware, you do pay an ongoing service fee for our services. So having us look after your super, it Yes. is 1.65% per annum, but then it's deducted in smaller monthly increments out of your super. And the idea of a percentage based fee is that it fluctuates with the market. So when the market is doing really well and you've got a lovely 9% return there, then our fee is obviously gonna increase there with it. However, if the market Yes. took a bit of a dip, you had a negative return because of what was happening in the market globally, then our fee is gonna take a bit of a dip there with it as well. So we don't wanna be charging you the same fee every year, every month regardless of Yes. what your portfolio is doing so it is linked to your portfolio as well. Yeah. Okay?","start_word":4819,"end_word":4995,"sentiment":"neutral","sentiment_score":0.02822520956397057},{"text":"Thank you for that. That's okay.","start_word":4996,"end_word":5001,"sentiment":"positive","sentiment_score":0.4090547561645508},{"text":"And we'll also just have a a tax file opt in form. So we just like to make sure you're aware that we do hold your tax phone number because we help set up your suit and your insurance side of things. Mhmm. However, we just like to make sure that you're aware of that information, and this is just the form that we'll get you to sign and return just acknowledging that you're aware of that. And Yep. we are very security conscious. You may have known we do security with you whenever we call you or you call us, just making Yep. sure that we are protecting all of your security, especially in the climate that we're in at the moment there. Okay? Yeah. Sure.","start_word":5002,"end_word":5128,"sentiment":"neutral","sentiment_score":0.10887091454323822},{"text":"Thank you for that. Fantastic. That's okay.","start_word":5129,"end_word":5135,"sentiment":"positive","sentiment_score":0.5611917972564697},{"text":"Just wanted to have you here as well. I just noticed on your insurance policy while I was quickly scanning through some documents. On your TBD cover, you do have a mental health exclusion there. Do you remember kinda going through that with anyone previously? When you say mental health exclusion, what do you mean? Yeah. So basically Sorry. means no. You're absolutely fine. It looks like there may have been on the application essentially a disclosure where you might have had some depression or anxiety. But Yes. it says here that there is an exclusion on the BVD that no claim shall be payable under the benefit for the condition or event given rise to a claim as a result of any mental health disorder, including anxiety, depression, stress, adjustment disorders, emotional or behavioral disorders. So is this saying Yep. that due No. to That's your fair disclosures enough. Yeah. originally that they they've added that exclusion. If Yep. anything was to come due to mental health, it is also looked at under the cause. So do just let us know if if you're not able to work or if there's a risk of claiming on TBD, and we'll look at helping you to discuss around the cause and what's happening with that, and we'll Yep. see what we can do. These sorts of exclusions are reviewable generally about sort of between three to six years depending on what was disclosed. So Yep. you've been on board for two years now, so we could probably next year even look at trying to see what we can do about having that removed if you've not had any symptoms or medications or any or anything in relation to any mental health. Okay? Yeah. Sure. All No worries. good. All good. Just Okay. like to make sure that I'm disclosing everything Yeah. to No. you. That's Do okay. you have Thank you. that's alright. Do you have any questions for me at the moment? I know I go through a lot with you. I'm so sorry. It's early Yeah. in the morning No. That's still. okay. No. No.","start_word":5136,"end_word":5491,"sentiment":"neutral","sentiment_score":-0.048274967233451566},{"text":"That sound all sounds good. Thank you. Fantastic, Colleen. Well, I will let you go. We'll get that email out to you shortly and your annual review docs.","start_word":5492,"end_word":5519,"sentiment":"positive","sentiment_score":0.5141677260398865},{"text":"If you have any questions, please let me know.","start_word":5520,"end_word":5528,"sentiment":"neutral","sentiment_score":0.3073008954524994},{"text":"I hope you have a good day. You too. Thank you for that. Thanks, Colleen.","start_word":5529,"end_word":5543,"sentiment":"positive","sentiment_score":0.6110690832138062},{"text":"Talk to No. you very soon. Okay.","start_word":5544,"end_word":5550,"sentiment":"neutral","sentiment_score":0.10837572067975998},{"text":"Thanks.","start_word":5551,"end_word":5551,"sentiment":"positive","sentiment_score":0.5224102735519409},{"text":"Bye.","start_word":5552,"end_word":5552,"sentiment":"neutral","sentiment_score":0.3270431160926819},{"text":"See you later.","start_word":5553,"end_word":5555,"sentiment":"positive","sentiment_score":0.3723292946815491},{"text":"Bye.","start_word":5556,"end_word":5556,"sentiment":"neutral","sentiment_score":0.17781387269496918}],"average":{"sentiment":"neutral","sentiment_score":0.09152890036164944}}}}