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Is now still a good time there for you? Yeah. All good. All good. I'll try not to take up too much of your time, but just touching on the things that we do need to for you. Before we jump into the call there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. I do normally send through some annual review documents to you just to kinda go through as we are going through your annual review. Are you able to access your email, sir, at the moment? Yes. Fantastic. I'm just gonna press send on this one for you so it pops through fairly quickly. And how's your day been so far? Oh, wow. When's when's your next one? Oh, that would be nice. That'll be nice. Yeah. Busy back to back today, but that's okay. I like it that way. Let's get things done, head towards the weekend, and nice and productive. Yeah. Oh, fantastic. So when you open the email up, it does ask to have a little section where it says sign. If you can press that button, so it allows you to continue through, it will not ask you to sign anything you haven't read. So it's just that you can view each of the documents there. Beautiful. Now the first yeah. So the first one you'll see there is, obviously, your summary of superannuation and insurances. So it gives you an updated balance as of the August 18, so when we did these documents up, of a $196,729.37 there. I'm just having a quick look into hub twenty four to see your updated balance from last week just to kinda give you an updated change. So balance as of today's date was sitting at a $196,340 there now. Okay? With the balance last year so when I sort of look at how your portfolio has performed, your balance as of this time last year, you were sitting at a $146,006.69 and 40¢. So your balance has definitely increased, essentially, when I sort of look at the returns to the growth and the income within the fund for the last twelve months there, the net return after fees does show you up 7.31%. So it's not a bad return for what has happened in the markets there. You are in that high growth kind of environment. So, realistically, you're sort of looking to try and get a return. It's about eight to 10% on a yearly basis. So it is a little bit under where we'd sorta like it to be. But with what's been happening this year globally, the market's going up and down a little bit. Bit of volatility out there. Coming up with a 7% return net of fees is actually quite good. Okay. Yeah. Excellent. I also wanted to just double check. Now your contributions, your employer had some back pay that they were trying to that you they needed to owe you with contributions wise too. It looks like you had some extra contributions going last financial year. Oh god. Yeah. Oh, okay. Yeah. Beautiful. Yeah. I'm glad they all got up to date for you. So, realistically, when you sort of look at your contribution for the last financial year, you had about 45,418 going in there. So it did exceed the cap by a little over $15,400. But when I went back just to have a look, the year prior, so the 2025 financial year, you had about 16,000 in cap based there. And because your balance is under that 500,000 as of the June 30 the year prior, you are eligible to use that carry forward contribution. So if you if you do sort of look at your super and realize you had a lot of contributions going in last year, that's okay. You did exceed the cap, but you do have caps based on prior years, and you are eligible to use those. So that should all be fine. There shouldn't be any negative consequences for you on that one there. Okay? Excellent. The other thing I sorta had noted here was your your insurances. So having a look at that same document there, you can see your ClearView Life and CBD cover. Your ClearView Life cover shows that you have a sum insured of 2,053,155 there. If you think about the level of cover that you're after that you need, realistically, if you were to hypothetically pass away today, the level of cover there, the 2,000,053 is fully paid out, but then your super balance is paid out on top of that. When you sort of think of your circumstances, do you feel like that's an appropriate level of cover? Did you wanna look at altering that in any way, shape, or form? Happy to leave it as is. Absolutely. And you've also got your total permanent disability cover there as well, which does cover you for a little bit less. The city at 1000900And3300And13. One of the things I do kinda like to make sure people are aware, if you do claim on TBD, so you're permanently unable to ever go back to work again, if you do claim on that cover, you're under the age of 60 and you withdraw the funds out, there are taxation consequences for it. I think it's personally not a great thing. But tax on TBD claims when they are paid out is up to 22%. So you theoretically if you claim on that, withdraw the whole thing at at your current age, it would have to tax consequences there. We say it's up to 22% because there is a bit of a math equation there, which means the tax consequences could be less. It goes on a few different factors. But if you happen to claim on that, we would provide advice to help assist you, keep the funds working as long as possible, allow you to draw down what you needed to and how to, you know, minimize those tax consequences as much as possible. So I just like to make sure that you're aware of that, that, you know, no we're not hiding anything with regard to how that works, but making sure that, you know, you you're aware that we would certainly help you to provide advice in that area if you were to claim. Okay? Excellent. Perfect. Also, the other side of that is if you did claim on TBD, we can also claim incapacity against your super. So there is a chance you could also get your super released under that for you. Okay? Excellent. All good. So with the level of TBD, are you still fairly comfortable with that level of cover? Yeah. All good. No worries at all. I've also got your income protection covered there as well. So you can sort of see your income protection benefit currently has some insured monthly pretax benefit of $13,018.18 dollars there. Income wise, so you can be covered up to 70% of your, technically, gross income. What is your expected income for this year, do you think? We had about 210,000 last year. Okay. Yep. Mhmm. Yep. Okay. Yep. Keep it in there. No. That's okay. So, realistically, when you think about income protection and how it works, you can be covered for up to 70% of your total gross income. But if you are able to earn income sort of so as an example, like, if you broke your leg and you couldn't go to your full time occupation, but you could still, you know, do some work from home and or earn some income from your self employed or from your company, they would look at how you could do that. And, theoretically, you could they would they could adjust the amount that you're able to claim and reduce the amount that you're able to receive in the income protection claim by what you can receive from your self employed business. So, realistically, insurers will look at what you're able to what you're insured for, what you made prior to disability, and then they're also gonna look at are you able to earn any of this income whilst you're currently off work so that they can try to reduce the claim. As you can imagine, insurance companies are trying to pay as lesser as as little as little of the claim as possible, essentially. We're sort of looking at that. Now based on just your full time income of that 300,000, that would essentially see us requiring a monthly benefit about 17,500. But if you look at your circumstances and your current scenario, it would that 13,018 on a monthly benefit pretax, would that cover majority of your expenses? Would you need to maybe look at increasing the income protection benefit to cover you? How do you sort of feel about that? Yep. That's okay. If anything comes to mind, you decide you wanted to sort of look at that in more detail, let me know. I'm more than happy to do so. We do review these every year with you. But, yes, it's about making sure that you're got the right level of cover that suits you, but that you're not also overpaying for insurances because that those funds do come out of your super. And insurances do get more expensive as you get older as well, and that can have a greater effect on your retirement income. Okay. Yeah. Perfect. You've also got a thirty day waiting period there. Do you know how your waiting and benefit periods work with the income protection policy? No. That's okay. A thirty day waiting period essentially means you just have to be off work for thirty days prior to being able to make the claim. So, essentially, we'd sort of say if it if anything was to happen and you felt you were gonna make that waiting period to let us know straight away, we'll let the insurer know. They'll start the waiting period from the first day that you were off work. Once that thirty day hits, then the insurance can can be submitted. It can take another thirty odd days depending on the insurer to pay out the claim. So you are often paid in arrears. So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through. So you realistically are not receiving an income for about sixty days with that one. With the benefit period, it's how long you can be on a claim for. So if you were to be on a claim, if you were to, you know, be offered a five year period, at the end of the benefit period of five years, they will stop the claim regardless of whether you're able to go back to work or not. So, realistically, most claims are dealt within within the first sort of two years. As you can imagine, insurers don't wanna pay claims for long periods of time. So as soon as you're off work, they're trying to find ways to get you back to work and seek rehabilitation and things like that. But this just means that at five years, that claim stops regardless for you. Okay? Yep. Beautiful. At the moment, the amount that you have paid for the policy is $2,380.36. That's how much came out of your super fund. But the total amount the insurer actually received was 2,800 for the policy. So I'll just keep reviewing this with you each year. They as I said, they are gonna get more expensive over time, so we wanna make sure the policy stays in line with what you needed to cover, but also making sure we're not eating away too much of your sleep down the track there as well. Okay? Excellent. All good. The only other thing I can sort of see is you don't have any it looks like originally, we had recommended trauma cover. Obviously, this doesn't have trauma on there. Do you still have that cover? Are you still paying for trauma out of your back pocket, or you don't have any additional insurances outside of that lifekeeping income protection? Okay. No. That's okay. Just an having a look at the advice talking back initially, we had recommended the trauma policy. Do you remember kinda going through that recommendation with Tarek and sort of what the conversation was around that and if you'd sort of taken that policy at any point. No. That's okay. That's okay. That's alright. Do you feel like you're comfortable not paying for anything additional? You're happy with just the life keeping in income protection? Yeah. Beautiful. That's okay. I mean, realistically, when you think about all the things we can be insured for for us, our dogs, our pets, our house, and contacts, we can basically be forking out millions of dollars a year just insurance premiums at this rate. So excellent. All good. If you would just go to the next document for me, the next one along is your performance report here. So this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed. Majority of them have performed really well for the year, and you have received your really good return at 7.31%. However, I can see the top that that been along Australian equities is underperforming slightly, and I think that's also having a bit of an effect on your super. So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations. I definitely wanna look at pulling that investment out of there. One of the things and one of the things that having Bennelong in that is that Bennelong is supposed to be an actively managed fund. So the investment manager within that fund is trying to outperform against the market, trying to pick the top of the bottom and pick investments to buy into at certain times. They haven't been able to do that. It is holding your portfolio back a little bit there at the moment, so I do wanna remove it out. We could realistically keep it in there for a bit longer, but when you sort of look at the market as a whole, as much as the market has had those ups and downs, the Australian market is actually performing quite well at the moment. And I can sort of show you why. If you look to three down from the Benelong Australian Equities, you've got the keywords invest as the Raffy. That is actually giving you exposure to Australian equities as well, and that's up by 15.03%. And the other thing to look at is the American market because we tend to follow suit with the American market as well. And the iShares S and P five hundred, you're up by 10.91% there. So when I look at the Australian and international markets, and they're performing quite well, but then this one Australian investment isn't doing so well, it's less to do with the markets as a whole, and it's more to do with the investment as such. So if you're comfortable, I'd like to replace that with something else and look at keeping your super working a bit harder. Do you have any questions and or concerns about that? Yep. Yep. Yeah. Yeah. We'd rather not compound and not do any worse than that. So we can look at switching it out. And because it is down at the moment, I can look at the rest of your portfolio and see where there might be some other changes that we need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try and offset those as much as possible for you. Okay? Excellent. The other thing I am looking at is the bank hybrids there. They are more of a defensive lower risk investment, and they have done really well. However, down the track, the government is actually phasing those out. So I feel like it's probably a good chance to remove them now. That way, we don't have to make those changes down the track there for you. Let's update the portfolio as a whole while we can make it easier. How does that sound? Yeah. Excellent. Everything else, though, is working really well. We have seen I think it's property at the bottom. There's the only other one that isn't performing as well, and I'll review that one for you just to sorta make sure if we need to move that, we will. But, otherwise, the market as a whole with the volatility we are seeing, they have still performed nicely, and we are still, you know, up at the moment. So it's just about going through those ups and downs and the volatility that we generally see. But I can see some chances here to change your portfolio over, so I will do that for you and review the super for you to make sure everything continues to work harder. Okay? Excellent. All good. The next page of that same document just outlines the internal rate of return and shows that you have received a 7.31% for the year net of fees, and the total earnings of that is just over $14,000 a year. So we wanna compound and keep that working harder for you so that your balance increases over time. Okay? I did also have a quick look at since inception as well because just sort of see, you've been on for three years now. Your total performance over the past three, sorry, three years, you've averaged about 32.21. So when I kinda go back and average it out over the each year individually, it's essentially about a 10.73% return. So, realistically, your portfolio has been working and compounding nicely since you came on board there just to kinda give you a bit of a an update on the total. But, no, very happy with how things are tracking. We just wanna keep evolving and making it work. Realistically, investments that might have been great a couple of years ago do need to be updated every couple of years depending on how markets change over time. So it is good to review it with you. Absolutely. Do you have any questions about the super, the performance, the investments, or anything like that so far? Yep. Fantastic. Excellent. That's the main documents there. The next documents along you'll see is the Vanguard index chart, and that's essentially showing you a bit of an update on how markets perform. I tend to use it as a bit of a guide to sort of you say this is how markets go up and down. This is what's kind of expected there. With your portfolio, you're actually in a high growth environment. So when you sort of are looking at that chart, you can see this first one is The US shares. Essentially, with that, it's a growth asset. So you're theoretically about 90% invested in this as a growth asset. So US shares, Australian shares, international shares, and listed properties. So you are taking a bit more risk in the market to try and get greater potential returns. But as your balance increases, smaller changes and even smaller dips in the market are gonna have a bigger effect, and you might feel them a bit greater as well. So I will just do a bit of a risk profile questionnaire with you at the end of the call just to evaluate whether that portfolio is still suited to you. But when you sort of think about the markets and the ups and downs and the risk level, are you still fairly comfortable taking on that kind of higher risk environment to get greater potential returns? How do you sort of feel about that? Yep. Yeah. Yep. Absolutely. Perfect. I'll go through the risk profile then. We'll kinda talk a bit more deeper about it, and then you can you let me know if you, you know, wanna make any changes to that at all? The next document, if you kinda keep moving forward, is the Clearview Certificate of Currencies. This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one. It's more just a bit of a guide to give you an update there. Okay? The next document along is the Oakview Financial Services Guide. This just essentially updates you on everything about who we are, what we do, and how we do it. It has lovely pictures of me inside there, so you can see all of my information. And as a licensed adviser, my licensing information there for you as well. I'll let yeah. I would sort of tell people that when they can be a little bit arduous and boring to read. But if you have trouble sleeping one night, feel free to whip it out and knock you out cold in a few seconds. That's how boring those legal documents are. There you see. And the last document attached is the ongoing service agreement for the next twelve months there. So, essentially, you are paying 1.65% for our services. That's per year. And then it is deducted in smaller monthly increments over the course of the year. The ongoing service fee allows us to look after your sleep and make monitoring, reinvesting, but also update the advice to make changes to it as needed as well. And it sort of incorporates the insurance side of things as well for you. With our ongoing service fee, it has always been at 1.65% capped at 600,000. But as of sort of this next year, we're gonna be changing that slightly. It won't be capped at $6,600,000 anymore. It will continue up to balances of 2,000,000. However, we've got more of a tiered structure. So when your super balance goes over 200,000, you drop into the next tier, which means it goes from 1.65%. Anything over that 200,000 is then charged at 1.375 percent. And then once your balance hits 500,000, you drop into the next tier and it drops it down even further. So the idea, yeah, the idea is that the higher your balance goes, the next tier will drop down a little bit lower for you. So the percentage is a bit lower, but we're also gonna work it out as a set dollar figure fee. One of the things that we have sorta had in the past is with a percentage based fee, we're giving you an estimate of how much you're expected to pay for the year, but then it depends upon the market as to how much we actually receive. So there's no real certainty in that for you. We're going to be as of the new and even this agreement has been set up that way for you. So we've worked it out as a set dollar figure fee. We've worked out based on your current balance plus a 5% growth how much you're expected to pay for this year. So it's $3,408.34. That means that that's the only amount you'll pay for the year. If your balance if you receive a 20% return, our fee doesn't keep going up with that 20% return. It gives you more stability, and it gives you more certainty around how much you'll pay. It's set into the hub twenty four super fund as a dollar figure fee. So it essentially means that you're not gonna pay anything more than that. And the idea is that we wanted to make sure that as your balance increases, the fee drops a bit, but that every year you get a lot more certainty around how much you pay for our services as well so that we're a bit clearer with everything if that makes sense. Yeah. Do you have any questions about that? Does that no? Yep. Beautiful. Excellent. Yeah. Absolutely. And what I'll do with the advice, I'll go back and review that with you. I'll pop in there. We'll look at the next sort of five to ten years. I try not to sort of over project to to retirement. You are still very young. You put a lot more time on your side, and your life could change very heavily in that. So we'll look at the projected outcome over the next five to ten years there for you to sort of see where you're tracking and then keep an eye on things for you and reevaluate that advice as we need to moving forward to keep you on track. How does that sound? Yeah. Beautiful. Excellent. The last document attached there is the TFN opt in form. So we hold your tax phone number. This document is outlining how and why. There have definitely been a lot of changes within our industry. We're just sort of making sure that we're updating all of our records and letting you know what we hold and why. One of the biggest things is, obviously, the cybersecurity issues that have been occurring over the past couple of years. We've not had any, thankfully. We wanna make sure we definitely don't. So we do make sure to update these documents, let you know what we hold on you, how and why, why it's important to do so, and that's why we do security whenever we call you and you call us. We wanna make sure that your your private information is at the forefront of, you know, protection, and we wanna make sure we hold all of that and secured everything for you. So we are very security conscious here, and that's why we do the things that we do. But that document is outlining why we hold your tax phone number and just making sure you're comfortable with us still doing that. Okay? Excellent. Fantastic. I'm just gonna run through this update a couple of additional things there for you. With your with Confer Your Income, you're on that base of about the 300,000 with your main full time role there at the moment. And you may have mentioned income from your company is about 10,000 per month, but you're not really paying yourself anything out of that. That's all staying inside the company. Is that right? Yeah. Beautiful. And so employer contributions, will that just be based on the $300,000 base income from your full time role? Is that right? Okay. Including super. Yeah. I can do the math for you. Don't worry. That's not a problem. Easy. Yeah. And you're not making any additional contributions over and above the employer side of it. Are you sorta happy to not worry about that at the moment? Is it something you wanna look at down the track? Yep. Yep. Yeah. That's okay. So there are definitely ways to do, like, voluntary deductible contributions where if you put 10,000 in by, say, the end of June next year, then you can claim that 10,000 back on your, sort of, taxable income to help reduce your in your assessable income. It does sort of come down to what's gonna be more tax effective for you. And, realistically, what you could do, depending on how you start to wanna look at it, I could make a recommendation based on your current income on what to put in as deductible contribution and how that might look for you. But I'm not able to see sort of your overall tax situation. It's more of your accountant's area. Otherwise, you can if you're comfortable, you can always speak to your account at the end of the financial year, say, maybe early June next year, and get them to tell you what sort of contribution would be more tax effective for you based on your current circumstances. It's up to you how you'd like to sort of proceed and and look at it. I'm happy to sort of factor in a recommendation to maximize contributions if you'd like to. But I'm very limited to how much of your tax situation I can take into account for you. Does that make sense? Yeah. Yes. Yeah. Absolutely. If you like, what do you have access to your myGov account at all? Yeah. If I can, after the call, send you an email just directing you how to get your carry forward and catch up contributions, if you're able to obtain that sort of thing for me, I could, as part of the recommendations, look at maybe what we're projecting based on your current income circumstances and just make a recommendation on deductible contributions and how to put them in effectively and what sort of what I can do with regard to meeting your goals and, you know, building super as much as possible. But because you are on such a high income, maybe also looking at utilizing catch up contributions if you wanted me to. Does that sound okay? Yeah. Beautiful. Excellent. And because you are on such a high income, last year, did your accountant ever flag or have they sort of flagged anything about the DIF two nine three tax at all? Has anyone ever sort of flagged that? Have have you done your tax return for last financial year as of yet? Yeah. No. That's okay. If you can just maybe double check that with your account as well because your income is quite high. If you are earning over 250,000, including contributions, you can be eligible for what's called div two nine three tax, which is an additional tax, and they charge additional tax on your super contributions there as well. So, yeah, just maybe have it checked to your account and then get him to check your tax return for the last year, find out whether you were eligible or whether you were technically or are going to have to pay that additional tax there. When it comes to that additional tax, the ATO just send you a letter saying, how do you wanna pay this? You can have it drawn out of your super, or you can pay it personally depending on your circumstances there. So, this is something I wanted to quickly flag with your income being so high, you're working your butt off. Just maybe flag that with your accountant to get him to have a look at whether that is something that you will have to consider paying and how that affects you. That's the other side of this is if we do make, you know, additional contributions in the super, when you are liable for that div two nine three tax, the contributions that go into super are technically taxed at 15%. With that div two nine three tax, essentially, you the ATO tax is another 15% on top of that. Do you feel like if I was to make a recommendation on additional contributions that even if you were eligible for that div two nine three, it would still be I mean, realistically, it's lower than your marginal tax rate is, so it does provide a benefit to you. But do you feel like that would still be appropriate? You sorta wouldn't worry too much if you had to pay additional tax from there knowing it is less than your current marginal tax rate, or would you be more less inclined to wanna make additional contributions in that circumstance? Yeah. So yes. So sorry. I think I missed that. The phone just cut out of me. You mentioned that you would be keen to continue to put money into so far, or you'd be sort of wanting to keep it more in your back pocket. Is that right? Sorry. Yeah. I mean yeah. I mean, realistically, the the the d $59.03, like, it is an extra 15% tax on top of your super contributions in super there. But, theoretically, if you're on a 47% tax bracket, you're still technically saving on on the tax side of things. It's 30% in super instead of 47% in your own name. So there's yeah. There are sort of advantages and disadvantages to both. But if you like, as part of the overall strategy, I can have a look at that. I can work out whether making additional contributions is gonna provide any greater benefit to you, and I can make a recommendation if I feel it's suitable to do so. If I don't think it's suitable, then I probably just won't. I'll let you know that it's not really gonna work out for you. But I'm happy to have a look at it if you're happy for me to do so. Is that okay? Yeah. It's kind of a double edged sword tax, isn't it? You kinda wanna work hard, make a lot of money, but then they take most of it. It's shocking. Yeah. That's exactly right. So absolutely. Perfect. Well, after the call, I'll send you an email just getting your carry full catch up contributions there for you. I might also just ask you to check with your accountant and just reconfirm your total taxable income between your business and also your employer just so I can kind of get an a gauge on what that might look like and be able to look at the circumstances as a whole for you. Okay? Excellent. Goals wise, we're we were looking at you were hoping to access super around at the age 65. Is that still your goal for accessing super? Are you wanting to access super earlier? What's your thoughts on that now? Yeah. Yep. 60. That's okay. I can definitely have a look at that for you. I'll update your retirement goal to the age of 60. I mean, there's definitely no harm in looking to try and retire earlier. You know, say, 60, then you get to 60 and go, nah. Cool. I wanna keep working a little bit longer. You the option to do so. So I'll update that, and we'll look at them trying to meet your goal a little bit earlier. It's absolutely fine. It still does mean you have about twenty four years before accessing super, but, realistically, it's not a bad goal to have. I'd love to retire at 62. I think it'd be a great time. Excellent. Yep. In retirement there, I had down here that you were sort of hoping to draw about $1,500 per year in so it's $1,500 per week in income. Do you feel like that's still fairly appropriate for when you get to that point? Work on that in today's dollars? Yeah. Absolutely. Fantastic. Assets wise, I have your main primary residence down with an asset value of 1,200,000. What sort of value would you put on that now, do you think? Yep. That's okay. And I've got down here the debt value on the property. So I'm mortgage owing of 830,000. Have you reduced that a little bit? $8.20? Yeah. That's okay. I also have your car down here with a value of 60,000. What kind of car do you drive? Yep. 15. Yep. Beautiful. And you have no debt on the vehicle owned outright? Beautiful. I don't have any other assets or liabilities noted down. Do you have any other personal loans, credit cards, or assets, anything else that I should probably note here on here of value? Yep. Yep. There's a limit to that 15,000 that you pay it down every the end of every month. Yep. Beautiful. Fantastic. And I've got down here that you've got one son. He's nine or 10 years of age. Is that right? One dependent? Oh, it's a gorgeous age. Yeah. Absolutely. And that is his name's Reuben. Is that right? Yeah. So just to kind of talk a bit more about your beneficiary side of things as well. So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur. Is that right? Yep. Perfect. I'm just having a quick look at your life insurance as well. It's also got Reuben down there. So, realistically, because he is under 18, he is still a minor and a dependent of yours. If anything was to happen till you say you were to pass away, those proceeds can be paid to him. However, because he is a minor, they're not paid directly to him. They do go through the guardian. So, realistically, if you were to pass away, who would be his guardian, and do you feel comfortable having those proceeds paid through that person to him to make sure he gets the funds. Yeah. So as part of your estate planning, if you do a will power of attorney, you can also have a guardianship document done up, which basically notes that you are directing someone to become his guardian in the event that you passed away, and then the funds can be paid directly to them. This is the money isn't paid directly to a minor. It normally goes through the guardian. And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, and it might not be the person that you wanted to go through. So directing that money to who you want it to be is the most important aspect. In saying that, we hope nothing happens. I want you to get to your retirement years and enjoy all this money. But if you were to pass away and he he was over 18 at that time, then he can have the funds paid directly through him still. He is still a dependent sorry. He's still a a beneficiary under the SIS Act. He's just he's a nontax dependent over the age of 18. So, realistically, the the beneficiary is exactly fine the way it is. It's just about making sure that things are directed as per your wishes. There is another way that you can have your beneficiary updated if you wanted to, and that's essentially I reckon that's essentially nominating legal personal representative, which means that everything gets paid to your estate. And then having a minor child, you can always have, like, a a trust set up through through your estate planning through your will and have everything paid out by the trust. And it kinda gives you a lot more direction there as well. So you can hold money back until certain ages or have it paid out little bits at a time in increments or have it all paid out as a lump sum at a certain point in time. So it just gives you a lot more control and certainty around doing it. But your beneficiary nomination, the way it's set up, is absolutely fine. It's just noting that he wouldn't receive the lump sum. It would be applied for through his guardian and then paid to his guardian to be held in trust for him at a later time. Does that make sense? Yeah. Do you have a will and power of attorney done up? We can't do them because we're not solicitors, but we do have some information on a local solicitor I can send to you if you like just with a bit of a costing and some information on who they are. We can always refer you through to to them if you'd like. The other option is all the states do have, like, their public trustees who can set up wills and things for you as well. So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself. Does that sound okay? Yeah. Fantastic. Excellent. I'll get that sorted. I'll add some information on guardianship for you as well just so you have that to sort of mull over and consider to make it easier on you. Fantastic. Not a problem at all. Our goals was down the track. So at the moment with the advice, I'm just sort of focusing around possible contributions, looking at your super, and also just having a look at, sorry, the investments within there for you. Do you have any other goals that you're sort of looking to try and achieve down the track? Yep. Yep. No. That's okay. Is getting an investment property something you're looking to do in the next sort of one to two years? Yep. So the other thing to sort of consider is if you are making additional contributions to super, because it can obviously have a bit of a tax effect there for you, it also does can reduce your borrowing capacity. Are you sort of wanting to maybe not make additional contributions to super maybe back to putting that money into maybe an investment property to to build wealth in other areas? Or what's your thoughts there? Just because I've brought that up now. I'm like, here's some other centers. Okay. Yeah. With with the changes to yeah. Definitely. So with the changes to legislation, have you sort of seen the changes that they've made to, like, the negative gearing and the capital gains and things like that with regard to investment properties? Yeah. Yep. Mhmm. Yes. Yeah. Okay. Have you spoken to a mortgage broker and maybe looked at your borrowing capacity to see what you could maybe borrow or what you could buy investment property wise? Did you want me to maybe refer you through to a mortgage broker? There's no cost to yourself. I can just do an email up referring you through to one of our mortgage brokers. They can have a look at your borrowing capacity, your income, and things like that, and maybe, let you know what you'll be able to borrow based on your circumstances. Did you want me to organize that for you? Yeah. Brett Sullivan, he actually retired. He's retired. Yeah. He was really good. He did just recently retire, poor bugger. He's a lovely, lovely soul. Yeah. Yep. Yep. That's okay. Did you still want me to look at contributions in the super, or did you wanna just hold on there hold off on that for the moment and maybe keep the funds to be able to buy an investment property and focus on the renovation side of things there? What's more important to you? Yeah. You, yeah, you can't. And they've actually just changed the South Bay Superfund rules as well. So whilst you can still have an SMSF and you can still have a residential property in there, they don't let you borrow for a residential property anymore. You can only borrow for a commercial. That all came into play as of the August 10 this year to get the the government's negative gearing and the CJT consequences to they made it there with the greens, and that was all kind of one of the changes. But in saying that I mean, look. There are advantages to both scenarios, but what I'd be sort of looking at is what's more important to you. Is it more important because you're on a good income. You have a good amount of contributions going in. Do we just look at the investments and try to reduce the fees and keep your contributions going in as much as possible and maybe hold off additional contributions till down the track when you might need to make some additional contributions to help reduce, you know, taxable income? Or and do we just sort of hold that money back knowing that you wanna maybe look at buying an investment property? Is investing outside of super to help build wealth for you more important than putting that money into super? What's kind of your main primary goal with that? Yes. Okay. Perfect. I mean, putting money into super has a greater benefit, like, has a good benefit for you. But if you are also wanting to buy an investment property, one of the things I'd be sort of wanting to trade off is your borrowing capacity. Putting more money into super locks it away. You can't take it back out again. If something was to happen, you were to reduce hours or you decided to move fully into your business, do you need that money maybe sitting aside on your home loan where you can pull it back off to use for an investment property, things like that? So there are a lot of different factors to sort of take into account there. And if getting an investment property is probably your main main criteria, I'd be looking to maybe hold off on additional contributions now, let you sort of go through that borrowing capacity because, you know, property is expensive. We all know that it's very expensive. It is maybe putting a bit more onto your mortgage and reducing your mortgage down a little bit, having more sitting in your offset, which you could draw back later as the deposit to help reduce how much you have to borrow. The other side of that is putting money into super. While super gets good returns, markets do perform very well over longer term. In the shorter term, our mortgages are very expensive. We're all paying very high interest. So putting that money into your offset account essentially is giving you a guaranteed rate of return. If you're paying 6% on interest, putting that extra $100 a week or $200 a week into your offset account is reducing how much you have to pay on interest. So it's giving you much more of a guaranteed rate of return. And then, you know, you can pull that back off if you need to use it for a deposit to reduce how much you need to borrow for the investment property or if you need to maybe keep some funds aside and build that the money to, you know, utilize to do the the property renovations and things like that so you don't have to borrow as much down the track. So there are those sorts of things to also consider. Yeah. All good. Sorry. You can imagine it's pretty insane in my brain. Just weighing up all the different options and all the things that you have coming up. So if you're comfortable, I'll hold off on additional contributions for now. I'll look at what your super is doing with just your employer contributions going in. I'll look at changing the investments around low cost and where that sort of tracks you over the next five to ten years. And then we can always look at down the track whether we make additional contributions of what we do, and that allows you to then hold that money back, keep it in your mortgage account for a little bit longer, and also allows you to not reduce the servicing aspect for borrowing to buy the investment property side of things. Does that make sense? And does that sound okay? Do you have any concerns, queries, or yeah. Excellent. Beautiful. Fantastic. Beautiful. I'll make a note of that for you. Yeah. Even when you do wanna speak to a mortgage broker, please let me know. We have some great mortgage brokers ahead, and I can put you in touch with any one of those. They're all free to yourself to use because they are paid for. The banks pay them when they write loans and things like that, and they can look at what you're after, what your goals are, and how to approach getting a new loan to to service that for you. Okay? Excellent. Beautiful. I've also got down here that you were building a business over the last couple of years. Your main goal was to kinda continue building your business and things like that. Is your goal to sort of move into your self employed business or your company full time, or are you sorta hoping to keep them both working coincide along over the next few years? What's your goal with that? Yeah. Yep. Okay. Yep. Yes. Depends on how it grows. Yeah. Absolutely. Perfect. Fantastic. Well, thank you so much for updating those details there for me. The last thing to do is just to run through a bit of a risk profile questionnaire. So I've got most of them answered already, which is great. The main ones to sort of go through are probably the hardest ones to answer. The first one here is essentially when you think about risk and the risk you're taking within your super, do you consider yourself comfortable to take on a higher level of risk to get greater potential returns knowing that the downside is also a factor and that the more your balance increases, the more risk you're taking, the more you can feel the downside? Are you probably more comfortable taking on a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking a lot of risk in the market and knowing the returns are lower? Where do you think you probably sit in that scale? Yeah. Beautiful. Excellent. The next one here is if you saw your portfolio fall by 20% in the next sort of one to two years, how do you think you might be feeling? Are you excited about the investment opportunity being it's a market dip? Are you probably holding and waiting to see what happens and maybe on the phone to us to see what we suggest you do, or are you a bit nervous and wanting to sell the investments to cash? What do you think you might do? Yeah. Absolutely. Not a problem at all. I've got down here that when we're looking at the rate of return, you're trying to get the best possible return you can over the longer term. Am I right in ticking that box? Yep. Beautiful. With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips? How do you think you might be feeling? Yep. Absolutely. Beautiful. Now you've thank you so much, though. You've scored it as a growth investor. So at the moment, as I kinda mentioned, you're in that high growth environment, which sees 90% in those growth assets. With the scoring as a growth investor, we'd see us reduce the risk level by about 10%. The main difference there is that the high growth portfolio, you're trying to obtain around about a eight to 10% return on a yearly basis there. And when we think about the expected volatility, the market could go up by more than 14% or you could see a dip of around 14% expected. The likelihood of a negative return return, that high growth environment is one in every five years, and you've got more than eight years ahead of you. So you definitely suit that time horizon for that sort of portfolio. If we did look to sort of pull you back a bit to that growth environment, you have 80% invested in those growth assets. So we are increasing the defensive low risk component by about 10% there. So you see 20% invested in cash, bonds, and fixed interest. The expected average returns about seven to 9%, and, again, a likelihood of a negative return is about one in every sort of five years. Realistically, you could begin both of those portfolios. It really just depends upon where that 10% realistically is gonna make much of a difference to you or whether you're gonna be concerned if you feel it. Did you wanna kinda stay in that high growth environment for another year, or did you want me to sort of look at reducing the risk level back a bit for you? How do you feel about that, and do you have more questions? Yep. Pull it pull it back to growth a little bit. Yep. Yep. Absolutely. I mean, realistically, when you think about a 5% return, as your balance increases and grows, which it will definitely do, especially as you're a higher income earner, you will sort of notice those difference. If you, you know, think about someone with $50,000 in their super, a 5% return is much smaller than someone with 500,000 in their super. So as your balance increases, you will notice smaller changes affect you a little bit more or affect your balance a little bit more. So it can definitely have a greater effect long term. So I'm happy to reduce that risk back if you like. We can go back to the growth portfolio, and then we can look at what that does. And in twelve months, if you decide you wanna go back up again, you absolutely can. Does that sound okay? Yep. Beautiful. Look. I know I have touched on a lot, Patrick. Is there any questions, anything you think I might have not touched on, anything you wanna more further clarity on at all? Or no. Excellent. That's okay. Not a problem at all. So I'll just go back. We'll look at the super. We'll hold off on additional contributions now because buying property is sort of your main goal in the short term. I'll look at what to do with your super. The investments for them will definitely get rid of Van Alung and replace that for you. I'll look at reducing your risk back to the growth portfolio a little bit and see what that does over the next sort of five to ten years. I'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there. Does that sound okay? Yep. Fantastic. All good. And that way, you'll also have my direct contact in the email there. So when and if you are ready to speak to a mortgage broker, please let me know. I'll happily put you in touch. Okay? Easy. Perfect. Thank you so much for your time today. If you are happy to, once you've read the email, if you could just sign and return the annual review documents back there for me. It looks like they have just come back. Sorry about that. But, yeah, thank you so much, Yitam. I really appreciate it. It's been a pleasure. If anything else comes up, please let me know, and I'll send that email out to you shortly with the estate planning information. Just come back if there's any questions or anything you think that I might have not touched on that you wanted me to sort of look at for you. Okay. Easy. Thank you so much for your time. I hope you have a good rest of your afternoon. Did do you have any more meetings this afternoon, or is that you done to just catch up? No. Beautiful. Well, you enjoy your afternoon. Enjoy your time with Reuben. I hope he's had a great day at school. Thanks, Patrick. Appreciate it. You have a good day. Thanks. See you later. 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Patrick. It's Dana from Okie Financial. How are you this afternoon? Yeah. Very well.\n\nThank you. Thanks for asking. I had you booked in today to go through your annual review. Is now still a good time there for you? Yeah.\n\nAll good. All good. I'll try not to take up too much of your time, but just touching on the things that we do need to for you. Before we jump into the call there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. I do normally send through some annual review documents to you just to kinda go through as we are going through your annual review. Are you able to access your email, sir, at the moment? Yes. Fantastic.\n\nI'm just gonna press send on this one for you so it pops through fairly quickly. And how's your day been so far? Oh, wow. When's when's your next one? Oh, that would be nice.\n\nThat'll be nice. Yeah. Busy back to back today, but that's okay. I like it that way. Let's get things done, head towards the weekend, and nice and productive.\n\nYeah. Oh, fantastic. So when you open the email up, it does ask to have a little section where it says sign. If you can press that button, so it allows you to continue through, it will not ask you to sign anything you haven't read. So it's just that you can view each of the documents there.\n\nBeautiful. Now the first yeah. So the first one you'll see there is, obviously, your summary of superannuation and insurances. So it gives you an updated balance as of the August 18, so when we did these documents up, of a $196,729.37 there. I'm just having a quick look into hub twenty four to see your updated balance from last week just to kinda give you an updated change.\n\nSo balance as of today's date was sitting at a $196,340 there now. Okay? With the balance last year so when I sort of look at how your portfolio has performed, your balance as of this time last year, you were sitting at a $146,006.69 and 40¢. So your balance has definitely increased, essentially, when I sort of look at the returns to the growth and the income within the fund for the last twelve months there, the net return after fees does show you up 7.31%. So it's not a bad return for what has happened in the markets there.\n\nYou are in that high growth kind of environment. So, realistically, you're sort of looking to try and get a return. It's about eight to 10% on a yearly basis. So it is a little bit under where we'd sorta like it to be. But with what's been happening this year globally, the market's going up and down a little bit.\n\nBit of volatility out there. Coming up with a 7% return net of fees is actually quite good. Okay. Yeah. Excellent.\n\nI also wanted to just double check. Now your contributions, your employer had some back pay that they were trying to that you they needed to owe you with contributions wise too. It looks like you had some extra contributions going last financial year. Oh god. Yeah.\n\nOh, okay. Yeah. Beautiful. Yeah. I'm glad they all got up to date for you.\n\nSo, realistically, when you sort of look at your contribution for the last financial year, you had about 45,418 going in there. So it did exceed the cap by a little over $15,400. But when I went back just to have a look, the year prior, so the 2025 financial year, you had about 16,000 in cap based there. And because your balance is under that 500,000 as of the June 30 the year prior, you are eligible to use that carry forward contribution. So if you if you do sort of look at your super and realize you had a lot of contributions going in last year, that's okay.\n\nYou did exceed the cap, but you do have caps based on prior years, and you are eligible to use those. So that should all be fine. There shouldn't be any negative consequences for you on that one there. Okay? Excellent.\n\nThe other thing I sorta had noted here was your your insurances. So having a look at that same document there, you can see your ClearView Life and CBD cover. Your ClearView Life cover shows that you have a sum insured of 2,053,155 there. If you think about the level of cover that you're after that you need, realistically, if you were to hypothetically pass away today, the level of cover there, the 2,000,053 is fully paid out, but then your super balance is paid out on top of that. When you sort of think of your circumstances, do you feel like that's an appropriate level of cover?\n\nDid you wanna look at altering that in any way, shape, or form? Happy to leave it as is. Absolutely. And you've also got your total permanent disability cover there as well, which does cover you for a little bit less. The city at 1000900And3300And13.\n\nOne of the things I do kinda like to make sure people are aware, if you do claim on TBD, so you're permanently unable to ever go back to work again, if you do claim on that cover, you're under the age of 60 and you withdraw the funds out, there are taxation consequences for it. I think it's personally not a great thing. But tax on TBD claims when they are paid out is up to 22%. So you theoretically if you claim on that, withdraw the whole thing at at your current age, it would have to tax consequences there. We say it's up to 22% because there is a bit of a math equation there, which means the tax consequences could be less.\n\nIt goes on a few different factors. But if you happen to claim on that, we would provide advice to help assist you, keep the funds working as long as possible, allow you to draw down what you needed to and how to, you know, minimize those tax consequences as much as possible. So I just like to make sure that you're aware of that, that, you know, no we're not hiding anything with regard to how that works, but making sure that, you know, you you're aware that we would certainly help you to provide advice in that area if you were to claim. Okay? Excellent.\n\nPerfect. Also, the other side of that is if you did claim on TBD, we can also claim incapacity against your super. So there is a chance you could also get your super released under that for you. Okay? Excellent.\n\nAll good. So with the level of TBD, are you still fairly comfortable with that level of cover? Yeah. All good. No worries at all.\n\nI've also got your income protection covered there as well. So you can sort of see your income protection benefit currently has some insured monthly pretax benefit of $13,018.18 dollars there. Income wise, so you can be covered up to 70% of your, technically, gross income. What is your expected income for this year, do you think? We had about 210,000 last year.\n\nOkay. Yep. Mhmm. Yep. Okay.\n\nYep. Keep it in there. No. That's okay. So, realistically, when you think about income protection and how it works, you can be covered for up to 70% of your total gross income.\n\nBut if you are able to earn income sort of so as an example, like, if you broke your leg and you couldn't go to your full time occupation, but you could still, you know, do some work from home and or earn some income from your self employed or from your company, they would look at how you could do that. And, theoretically, you could they would they could adjust the amount that you're able to claim and reduce the amount that you're able to receive in the income protection claim by what you can receive from your self employed business. So, realistically, insurers will look at what you're able to what you're insured for, what you made prior to disability, and then they're also gonna look at are you able to earn any of this income whilst you're currently off work so that they can try to reduce the claim. As you can imagine, insurance companies are trying to pay as lesser as as little as little of the claim as possible, essentially. We're sort of looking at that.\n\nNow based on just your full time income of that 300,000, that would essentially see us requiring a monthly benefit about 17,500. But if you look at your circumstances and your current scenario, it would that 13,018 on a monthly benefit pretax, would that cover majority of your expenses? Would you need to maybe look at increasing the income protection benefit to cover you? How do you sort of feel about that? Yep.\n\nThat's okay. If anything comes to mind, you decide you wanted to sort of look at that in more detail, let me know. I'm more than happy to do so. We do review these every year with you. But, yes, it's about making sure that you're got the right level of cover that suits you, but that you're not also overpaying for insurances because that those funds do come out of your super.\n\nAnd insurances do get more expensive as you get older as well, and that can have a greater effect on your retirement income. Okay. Yeah. Perfect. You've also got a thirty day waiting period there.\n\nDo you know how your waiting and benefit periods work with the income protection policy? No. That's okay. A thirty day waiting period essentially means you just have to be off work for thirty days prior to being able to make the claim. So, essentially, we'd sort of say if it if anything was to happen and you felt you were gonna make that waiting period to let us know straight away, we'll let the insurer know.\n\nThey'll start the waiting period from the first day that you were off work. Once that thirty day hits, then the insurance can can be submitted. It can take another thirty odd days depending on the insurer to pay out the claim. So you are often paid in arrears. So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through.\n\nSo you realistically are not receiving an income for about sixty days with that one. With the benefit period, it's how long you can be on a claim for. So if you were to be on a claim, if you were to, you know, be offered a five year period, at the end of the benefit period of five years, they will stop the claim regardless of whether you're able to go back to work or not. So, realistically, most claims are dealt within within the first sort of two years. As you can imagine, insurers don't wanna pay claims for long periods of time.\n\nSo as soon as you're off work, they're trying to find ways to get you back to work and seek rehabilitation and things like that. But this just means that at five years, that claim stops regardless for you. Okay? Yep. Beautiful.\n\nAt the moment, the amount that you have paid for the policy is $2,380.36. That's how much came out of your super fund. But the total amount the insurer actually received was 2,800 for the policy. So I'll just keep reviewing this with you each year. They as I said, they are gonna get more expensive over time, so we wanna make sure the policy stays in line with what you needed to cover, but also making sure we're not eating away too much of your sleep down the track there as well.\n\nOkay? Excellent. All good. The only other thing I can sort of see is you don't have any it looks like originally, we had recommended trauma cover. Obviously, this doesn't have trauma on there.\n\nDo you still have that cover? Are you still paying for trauma out of your back pocket, or you don't have any additional insurances outside of that lifekeeping income protection? Okay. No. That's okay.\n\nJust an having a look at the advice talking back initially, we had recommended the trauma policy. Do you remember kinda going through that recommendation with Tarek and sort of what the conversation was around that and if you'd sort of taken that policy at any point. No. That's okay. That's okay.\n\nThat's alright. Do you feel like you're comfortable not paying for anything additional? You're happy with just the life keeping in income protection? Yeah. Beautiful.\n\nThat's okay. I mean, realistically, when you think about all the things we can be insured for for us, our dogs, our pets, our house, and contacts, we can basically be forking out millions of dollars a year just insurance premiums at this rate. So excellent. All good. If you would just go to the next document for me, the next one along is your performance report here.\n\nSo this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed. Majority of them have performed really well for the year, and you have received your really good return at 7.31%. However, I can see the top that that been along Australian equities is underperforming slightly, and I think that's also having a bit of an effect on your super. So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations. I definitely wanna look at pulling that investment out of there.\n\nOne of the things and one of the things that having Bennelong in that is that Bennelong is supposed to be an actively managed fund. So the investment manager within that fund is trying to outperform against the market, trying to pick the top of the bottom and pick investments to buy into at certain times. They haven't been able to do that. It is holding your portfolio back a little bit there at the moment, so I do wanna remove it out. We could realistically keep it in there for a bit longer, but when you sort of look at the market as a whole, as much as the market has had those ups and downs, the Australian market is actually performing quite well at the moment.\n\nAnd I can sort of show you why. If you look to three down from the Benelong Australian Equities, you've got the keywords invest as the Raffy. That is actually giving you exposure to Australian equities as well, and that's up by 15.03%. And the other thing to look at is the American market because we tend to follow suit with the American market as well. And the iShares S and P five hundred, you're up by 10.91% there.\n\nSo when I look at the Australian and international markets, and they're performing quite well, but then this one Australian investment isn't doing so well, it's less to do with the markets as a whole, and it's more to do with the investment as such. So if you're comfortable, I'd like to replace that with something else and look at keeping your super working a bit harder. Do you have any questions and or concerns about that? Yep. Yep.\n\nYeah. Yeah. We'd rather not compound and not do any worse than that. So we can look at switching it out. And because it is down at the moment, I can look at the rest of your portfolio and see where there might be some other changes that we need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try and offset those as much as possible for you.\n\nOkay? Excellent. The other thing I am looking at is the bank hybrids there. They are more of a defensive lower risk investment, and they have done really well. However, down the track, the government is actually phasing those out.\n\nSo I feel like it's probably a good chance to remove them now. That way, we don't have to make those changes down the track there for you. Let's update the portfolio as a whole while we can make it easier. How does that sound? Yeah.\n\nExcellent. Everything else, though, is working really well. We have seen I think it's property at the bottom. There's the only other one that isn't performing as well, and I'll review that one for you just to sorta make sure if we need to move that, we will. But, otherwise, the market as a whole with the volatility we are seeing, they have still performed nicely, and we are still, you know, up at the moment.\n\nSo it's just about going through those ups and downs and the volatility that we generally see. But I can see some chances here to change your portfolio over, so I will do that for you and review the super for you to make sure everything continues to work harder. Okay? Excellent. All good.\n\nThe next page of that same document just outlines the internal rate of return and shows that you have received a 7.31% for the year net of fees, and the total earnings of that is just over $14,000 a year. So we wanna compound and keep that working harder for you so that your balance increases over time. Okay? I did also have a quick look at since inception as well because just sort of see, you've been on for three years now. Your total performance over the past three, sorry, three years, you've averaged about 32.21.\n\nSo when I kinda go back and average it out over the each year individually, it's essentially about a 10.73% return. So, realistically, your portfolio has been working and compounding nicely since you came on board there just to kinda give you a bit of a an update on the total. But, no, very happy with how things are tracking. We just wanna keep evolving and making it work. Realistically, investments that might have been great a couple of years ago do need to be updated every couple of years depending on how markets change over time.\n\nSo it is good to review it with you. Absolutely. Do you have any questions about the super, the performance, the investments, or anything like that so far? Yep. Fantastic.\n\nExcellent. That's the main documents there. The next documents along you'll see is the Vanguard index chart, and that's essentially showing you a bit of an update on how markets perform. I tend to use it as a bit of a guide to sort of you say this is how markets go up and down. This is what's kind of expected there.\n\nWith your portfolio, you're actually in a high growth environment. So when you sort of are looking at that chart, you can see this first one is The US shares. Essentially, with that, it's a growth asset. So you're theoretically about 90% invested in this as a growth asset. So US shares, Australian shares, international shares, and listed properties.\n\nSo you are taking a bit more risk in the market to try and get greater potential returns. But as your balance increases, smaller changes and even smaller dips in the market are gonna have a bigger effect, and you might feel them a bit greater as well. So I will just do a bit of a risk profile questionnaire with you at the end of the call just to evaluate whether that portfolio is still suited to you. But when you sort of think about the markets and the ups and downs and the risk level, are you still fairly comfortable taking on that kind of higher risk environment to get greater potential returns? How do you sort of feel about that?\n\nYep. Yeah. Yep. Absolutely. Perfect.\n\nI'll go through the risk profile then. We'll kinda talk a bit more deeper about it, and then you can you let me know if you, you know, wanna make any changes to that at all? The next document, if you kinda keep moving forward, is the Clearview Certificate of Currencies. This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one. It's more just a bit of a guide to give you an update there.\n\nOkay? The next document along is the Oakview Financial Services Guide. This just essentially updates you on everything about who we are, what we do, and how we do it. It has lovely pictures of me inside there, so you can see all of my information. And as a licensed adviser, my licensing information there for you as well.\n\nI'll let yeah. I would sort of tell people that when they can be a little bit arduous and boring to read. But if you have trouble sleeping one night, feel free to whip it out and knock you out cold in a few seconds. That's how boring those legal documents are. There you see.\n\nAnd the last document attached is the ongoing service agreement for the next twelve months there. So, essentially, you are paying 1.65% for our services. That's per year. And then it is deducted in smaller monthly increments over the course of the year. The ongoing service fee allows us to look after your sleep and make monitoring, reinvesting, but also update the advice to make changes to it as needed as well.\n\nAnd it sort of incorporates the insurance side of things as well for you. With our ongoing service fee, it has always been at 1.65% capped at 600,000. But as of sort of this next year, we're gonna be changing that slightly. It won't be capped at $6,600,000 anymore. It will continue up to balances of 2,000,000.\n\nHowever, we've got more of a tiered structure. So when your super balance goes over 200,000, you drop into the next tier, which means it goes from 1.65%. Anything over that 200,000 is then charged at 1.375 percent. And then once your balance hits 500,000, you drop into the next tier and it drops it down even further. So the idea, yeah, the idea is that the higher your balance goes, the next tier will drop down a little bit lower for you.\n\nSo the percentage is a bit lower, but we're also gonna work it out as a set dollar figure fee. One of the things that we have sorta had in the past is with a percentage based fee, we're giving you an estimate of how much you're expected to pay for the year, but then it depends upon the market as to how much we actually receive. So there's no real certainty in that for you. We're going to be as of the new and even this agreement has been set up that way for you. So we've worked it out as a set dollar figure fee.\n\nWe've worked out based on your current balance plus a 5% growth how much you're expected to pay for this year. So it's $3,408.34. That means that that's the only amount you'll pay for the year. If your balance if you receive a 20% return, our fee doesn't keep going up with that 20% return. It gives you more stability, and it gives you more certainty around how much you'll pay.\n\nIt's set into the hub twenty four super fund as a dollar figure fee. So it essentially means that you're not gonna pay anything more than that. And the idea is that we wanted to make sure that as your balance increases, the fee drops a bit, but that every year you get a lot more certainty around how much you pay for our services as well so that we're a bit clearer with everything if that makes sense. Yeah. Do you have any questions about that?\n\nDoes that no? Yep. Beautiful. Excellent. Yeah.\n\nAbsolutely. And what I'll do with the advice, I'll go back and review that with you. I'll pop in there. We'll look at the next sort of five to ten years. I try not to sort of over project to to retirement.\n\nYou are still very young. You put a lot more time on your side, and your life could change very heavily in that. So we'll look at the projected outcome over the next five to ten years there for you to sort of see where you're tracking and then keep an eye on things for you and reevaluate that advice as we need to moving forward to keep you on track. How does that sound? Yeah.\n\nBeautiful. Excellent. The last document attached there is the TFN opt in form. So we hold your tax phone number. This document is outlining how and why.\n\nThere have definitely been a lot of changes within our industry. We're just sort of making sure that we're updating all of our records and letting you know what we hold and why. One of the biggest things is, obviously, the cybersecurity issues that have been occurring over the past couple of years. We've not had any, thankfully. We wanna make sure we definitely don't.\n\nSo we do make sure to update these documents, let you know what we hold on you, how and why, why it's important to do so, and that's why we do security whenever we call you and you call us. We wanna make sure that your your private information is at the forefront of, you know, protection, and we wanna make sure we hold all of that and secured everything for you. So we are very security conscious here, and that's why we do the things that we do. But that document is outlining why we hold your tax phone number and just making sure you're comfortable with us still doing that. Okay?\n\nExcellent. Fantastic. I'm just gonna run through this update a couple of additional things there for you. With your with Confer Your Income, you're on that base of about the 300,000 with your main full time role there at the moment. And you may have mentioned income from your company is about 10,000 per month, but you're not really paying yourself anything out of that.\n\nThat's all staying inside the company. Is that right? Yeah. Beautiful. And so employer contributions, will that just be based on the $300,000 base income from your full time role?\n\nIs that right? Okay. Including super. Yeah. I can do the math for you.\n\nDon't worry. That's not a problem. Easy. Yeah. And you're not making any additional contributions over and above the employer side of it.\n\nAre you sorta happy to not worry about that at the moment? Is it something you wanna look at down the track? Yep. Yep. Yeah.\n\nThat's okay. So there are definitely ways to do, like, voluntary deductible contributions where if you put 10,000 in by, say, the end of June next year, then you can claim that 10,000 back on your, sort of, taxable income to help reduce your in your assessable income. It does sort of come down to what's gonna be more tax effective for you. And, realistically, what you could do, depending on how you start to wanna look at it, I could make a recommendation based on your current income on what to put in as deductible contribution and how that might look for you. But I'm not able to see sort of your overall tax situation.\n\nIt's more of your accountant's area. Otherwise, you can if you're comfortable, you can always speak to your account at the end of the financial year, say, maybe early June next year, and get them to tell you what sort of contribution would be more tax effective for you based on your current circumstances. It's up to you how you'd like to sort of proceed and and look at it. I'm happy to sort of factor in a recommendation to maximize contributions if you'd like to. But I'm very limited to how much of your tax situation I can take into account for you.\n\nDoes that make sense? Yeah. Yes. Yeah. Absolutely.\n\nIf you like, what do you have access to your myGov account at all? Yeah. If I can, after the call, send you an email just directing you how to get your carry forward and catch up contributions, if you're able to obtain that sort of thing for me, I could, as part of the recommendations, look at maybe what we're projecting based on your current income circumstances and just make a recommendation on deductible contributions and how to put them in effectively and what sort of what I can do with regard to meeting your goals and, you know, building super as much as possible. But because you are on such a high income, maybe also looking at utilizing catch up contributions if you wanted me to. Does that sound okay?\n\nYeah. Beautiful. Excellent. And because you are on such a high income, last year, did your accountant ever flag or have they sort of flagged anything about the DIF two nine three tax at all? Has anyone ever sort of flagged that?\n\nHave have you done your tax return for last financial year as of yet? Yeah. No. That's okay. If you can just maybe double check that with your account as well because your income is quite high.\n\nIf you are earning over 250,000, including contributions, you can be eligible for what's called div two nine three tax, which is an additional tax, and they charge additional tax on your super contributions there as well. So, yeah, just maybe have it checked to your account and then get him to check your tax return for the last year, find out whether you were eligible or whether you were technically or are going to have to pay that additional tax there. When it comes to that additional tax, the ATO just send you a letter saying, how do you wanna pay this? You can have it drawn out of your super, or you can pay it personally depending on your circumstances there. So, this is something I wanted to quickly flag with your income being so high, you're working your butt off.\n\nJust maybe flag that with your accountant to get him to have a look at whether that is something that you will have to consider paying and how that affects you. That's the other side of this is if we do make, you know, additional contributions in the super, when you are liable for that div two nine three tax, the contributions that go into super are technically taxed at 15%. With that div two nine three tax, essentially, you the ATO tax is another 15% on top of that. Do you feel like if I was to make a recommendation on additional contributions that even if you were eligible for that div two nine three, it would still be I mean, realistically, it's lower than your marginal tax rate is, so it does provide a benefit to you. But do you feel like that would still be appropriate?\n\nYou sorta wouldn't worry too much if you had to pay additional tax from there knowing it is less than your current marginal tax rate, or would you be more less inclined to wanna make additional contributions in that circumstance? Yeah. So yes. So sorry. I think I missed that.\n\nThe phone just cut out of me. You mentioned that you would be keen to continue to put money into so far, or you'd be sort of wanting to keep it more in your back pocket. Is that right? Sorry. Yeah.\n\nI mean yeah. I mean, realistically, the the the d $59.03, like, it is an extra 15% tax on top of your super contributions in super there. But, theoretically, if you're on a 47% tax bracket, you're still technically saving on on the tax side of things. It's 30% in super instead of 47% in your own name. So there's yeah.\n\nThere are sort of advantages and disadvantages to both. But if you like, as part of the overall strategy, I can have a look at that. I can work out whether making additional contributions is gonna provide any greater benefit to you, and I can make a recommendation if I feel it's suitable to do so. If I don't think it's suitable, then I probably just won't. I'll let you know that it's not really gonna work out for you.\n\nBut I'm happy to have a look at it if you're happy for me to do so. Is that okay? Yeah. It's kind of a double edged sword tax, isn't it? You kinda wanna work hard, make a lot of money, but then they take most of it.\n\nIt's shocking. Yeah. That's exactly right. So absolutely. Perfect.\n\nWell, after the call, I'll send you an email just getting your carry full catch up contributions there for you. I might also just ask you to check with your accountant and just reconfirm your total taxable income between your business and also your employer just so I can kind of get an a gauge on what that might look like and be able to look at the circumstances as a whole for you. Okay? Excellent. Goals wise, we're we were looking at you were hoping to access super around at the age 65.\n\nIs that still your goal for accessing super? Are you wanting to access super earlier? What's your thoughts on that now? Yeah. Yep.\n\n60. That's okay. I can definitely have a look at that for you. I'll update your retirement goal to the age of 60. I mean, there's definitely no harm in looking to try and retire earlier.\n\nYou know, say, 60, then you get to 60 and go, nah. Cool. I wanna keep working a little bit longer. You the option to do so. So I'll update that, and we'll look at them trying to meet your goal a little bit earlier.\n\nIt's absolutely fine. It still does mean you have about twenty four years before accessing super, but, realistically, it's not a bad goal to have. I'd love to retire at 62. I think it'd be a great time. Excellent.\n\nYep. In retirement there, I had down here that you were sort of hoping to draw about $1,500 per year in so it's $1,500 per week in income. Do you feel like that's still fairly appropriate for when you get to that point? Work on that in today's dollars? Yeah.\n\nAbsolutely. Fantastic. Assets wise, I have your main primary residence down with an asset value of 1,200,000. What sort of value would you put on that now, do you think? Yep.\n\nThat's okay. And I've got down here the debt value on the property. So I'm mortgage owing of 830,000. Have you reduced that a little bit? $8.20?\n\nYeah. That's okay. I also have your car down here with a value of 60,000. What kind of car do you drive? Yep.\n\n15. Yep. Beautiful. And you have no debt on the vehicle owned outright? Beautiful.\n\nI don't have any other assets or liabilities noted down. Do you have any other personal loans, credit cards, or assets, anything else that I should probably note here on here of value? Yep. Yep. There's a limit to that 15,000 that you pay it down every the end of every month.\n\nYep. Beautiful. Fantastic. And I've got down here that you've got one son. He's nine or 10 years of age.\n\nIs that right? One dependent? Oh, it's a gorgeous age. Yeah. Absolutely.\n\nAnd that is his name's Reuben. Is that right? Yeah. So just to kind of talk a bit more about your beneficiary side of things as well. So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur.\n\nIs that right? Yep. Perfect. I'm just having a quick look at your life insurance as well. It's also got Reuben down there.\n\nSo, realistically, because he is under 18, he is still a minor and a dependent of yours. If anything was to happen till you say you were to pass away, those proceeds can be paid to him. However, because he is a minor, they're not paid directly to him. They do go through the guardian. So, realistically, if you were to pass away, who would be his guardian, and do you feel comfortable having those proceeds paid through that person to him to make sure he gets the funds.\n\nYeah. So as part of your estate planning, if you do a will power of attorney, you can also have a guardianship document done up, which basically notes that you are directing someone to become his guardian in the event that you passed away, and then the funds can be paid directly to them. This is the money isn't paid directly to a minor. It normally goes through the guardian. And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, and it might not be the person that you wanted to go through.\n\nSo directing that money to who you want it to be is the most important aspect. In saying that, we hope nothing happens. I want you to get to your retirement years and enjoy all this money. But if you were to pass away and he he was over 18 at that time, then he can have the funds paid directly through him still. He is still a dependent sorry.\n\nHe's still a a beneficiary under the SIS Act. He's just he's a nontax dependent over the age of 18. So, realistically, the the beneficiary is exactly fine the way it is. It's just about making sure that things are directed as per your wishes. There is another way that you can have your beneficiary updated if you wanted to, and that's essentially I reckon that's essentially nominating legal personal representative, which means that everything gets paid to your estate.\n\nAnd then having a minor child, you can always have, like, a a trust set up through through your estate planning through your will and have everything paid out by the trust. And it kinda gives you a lot more direction there as well. So you can hold money back until certain ages or have it paid out little bits at a time in increments or have it all paid out as a lump sum at a certain point in time. So it just gives you a lot more control and certainty around doing it. But your beneficiary nomination, the way it's set up, is absolutely fine.\n\nIt's just noting that he wouldn't receive the lump sum. It would be applied for through his guardian and then paid to his guardian to be held in trust for him at a later time. Does that make sense? Yeah. Do you have a will and power of attorney done up?\n\nWe can't do them because we're not solicitors, but we do have some information on a local solicitor I can send to you if you like just with a bit of a costing and some information on who they are. We can always refer you through to to them if you'd like. The other option is all the states do have, like, their public trustees who can set up wills and things for you as well. So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself. Does that sound okay?\n\nYeah. Fantastic. Excellent. I'll get that sorted. I'll add some information on guardianship for you as well just so you have that to sort of mull over and consider to make it easier on you.\n\nFantastic. Not a problem at all. Our goals was down the track. So at the moment with the advice, I'm just sort of focusing around possible contributions, looking at your super, and also just having a look at, sorry, the investments within there for you. Do you have any other goals that you're sort of looking to try and achieve down the track?\n\nYep. Yep. No. That's okay. Is getting an investment property something you're looking to do in the next sort of one to two years?\n\nYep. So the other thing to sort of consider is if you are making additional contributions to super, because it can obviously have a bit of a tax effect there for you, it also does can reduce your borrowing capacity. Are you sort of wanting to maybe not make additional contributions to super maybe back to putting that money into maybe an investment property to to build wealth in other areas? Or what's your thoughts there? Just because I've brought that up now.\n\nI'm like, here's some other centers. Okay. Yeah. With with the changes to yeah. Definitely.\n\nSo with the changes to legislation, have you sort of seen the changes that they've made to, like, the negative gearing and the capital gains and things like that with regard to investment properties? Yeah. Yep. Mhmm. Yes.\n\nYeah. Okay. Have you spoken to a mortgage broker and maybe looked at your borrowing capacity to see what you could maybe borrow or what you could buy investment property wise? Did you want me to maybe refer you through to a mortgage broker? There's no cost to yourself.\n\nI can just do an email up referring you through to one of our mortgage brokers. They can have a look at your borrowing capacity, your income, and things like that, and maybe, let you know what you'll be able to borrow based on your circumstances. Did you want me to organize that for you? Yeah. Brett Sullivan, he actually retired.\n\nHe's retired. Yeah. He was really good. He did just recently retire, poor bugger. He's a lovely, lovely soul.\n\nYeah. Yep. Yep. That's okay. Did you still want me to look at contributions in the super, or did you wanna just hold on there hold off on that for the moment and maybe keep the funds to be able to buy an investment property and focus on the renovation side of things there?\n\nWhat's more important to you? Yeah. You, yeah, you can't. And they've actually just changed the South Bay Superfund rules as well. So whilst you can still have an SMSF and you can still have a residential property in there, they don't let you borrow for a residential property anymore.\n\nYou can only borrow for a commercial. That all came into play as of the August 10 this year to get the the government's negative gearing and the CJT consequences to they made it there with the greens, and that was all kind of one of the changes. But in saying that I mean, look. There are advantages to both scenarios, but what I'd be sort of looking at is what's more important to you. Is it more important because you're on a good income.\n\nYou have a good amount of contributions going in. Do we just look at the investments and try to reduce the fees and keep your contributions going in as much as possible and maybe hold off additional contributions till down the track when you might need to make some additional contributions to help reduce, you know, taxable income? Or and do we just sort of hold that money back knowing that you wanna maybe look at buying an investment property? Is investing outside of super to help build wealth for you more important than putting that money into super? What's kind of your main primary goal with that?\n\nYes. Okay. Perfect. I mean, putting money into super has a greater benefit, like, has a good benefit for you. But if you are also wanting to buy an investment property, one of the things I'd be sort of wanting to trade off is your borrowing capacity.\n\nPutting more money into super locks it away. You can't take it back out again. If something was to happen, you were to reduce hours or you decided to move fully into your business, do you need that money maybe sitting aside on your home loan where you can pull it back off to use for an investment property, things like that? So there are a lot of different factors to sort of take into account there. And if getting an investment property is probably your main main criteria, I'd be looking to maybe hold off on additional contributions now, let you sort of go through that borrowing capacity because, you know, property is expensive.\n\nWe all know that it's very expensive. It is maybe putting a bit more onto your mortgage and reducing your mortgage down a little bit, having more sitting in your offset, which you could draw back later as the deposit to help reduce how much you have to borrow. The other side of that is putting money into super. While super gets good returns, markets do perform very well over longer term. In the shorter term, our mortgages are very expensive.\n\nWe're all paying very high interest. So putting that money into your offset account essentially is giving you a guaranteed rate of return. If you're paying 6% on interest, putting that extra $100 a week or $200 a week into your offset account is reducing how much you have to pay on interest. So it's giving you much more of a guaranteed rate of return. And then, you know, you can pull that back off if you need to use it for a deposit to reduce how much you need to borrow for the investment property or if you need to maybe keep some funds aside and build that the money to, you know, utilize to do the the property renovations and things like that so you don't have to borrow as much down the track.\n\nSo there are those sorts of things to also consider. Yeah. All good. Sorry. You can imagine it's pretty insane in my brain.\n\nJust weighing up all the different options and all the things that you have coming up. So if you're comfortable, I'll hold off on additional contributions for now. I'll look at what your super is doing with just your employer contributions going in. I'll look at changing the investments around low cost and where that sort of tracks you over the next five to ten years. And then we can always look at down the track whether we make additional contributions of what we do, and that allows you to then hold that money back, keep it in your mortgage account for a little bit longer, and also allows you to not reduce the servicing aspect for borrowing to buy the investment property side of things.\n\nDoes that make sense? And does that sound okay? Do you have any concerns, queries, or yeah. Excellent. Beautiful.\n\nFantastic. Beautiful. I'll make a note of that for you. Yeah. Even when you do wanna speak to a mortgage broker, please let me know.\n\nWe have some great mortgage brokers ahead, and I can put you in touch with any one of those. They're all free to yourself to use because they are paid for. The banks pay them when they write loans and things like that, and they can look at what you're after, what your goals are, and how to approach getting a new loan to to service that for you. Okay? Excellent.\n\nBeautiful. I've also got down here that you were building a business over the last couple of years. Your main goal was to kinda continue building your business and things like that. Is your goal to sort of move into your self employed business or your company full time, or are you sorta hoping to keep them both working coincide along over the next few years? What's your goal with that?\n\nYeah. Yep. Okay. Yep. Yes.\n\nDepends on how it grows. Yeah. Absolutely. Perfect. Fantastic.\n\nWell, thank you so much for updating those details there for me. The last thing to do is just to run through a bit of a risk profile questionnaire. So I've got most of them answered already, which is great. The main ones to sort of go through are probably the hardest ones to answer. The first one here is essentially when you think about risk and the risk you're taking within your super, do you consider yourself comfortable to take on a higher level of risk to get greater potential returns knowing that the downside is also a factor and that the more your balance increases, the more risk you're taking, the more you can feel the downside?\n\nAre you probably more comfortable taking on a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking a lot of risk in the market and knowing the returns are lower? Where do you think you probably sit in that scale? Yeah. Beautiful. Excellent.\n\nThe next one here is if you saw your portfolio fall by 20% in the next sort of one to two years, how do you think you might be feeling? Are you excited about the investment opportunity being it's a market dip? Are you probably holding and waiting to see what happens and maybe on the phone to us to see what we suggest you do, or are you a bit nervous and wanting to sell the investments to cash? What do you think you might do? Yeah.\n\nAbsolutely. Not a problem at all. I've got down here that when we're looking at the rate of return, you're trying to get the best possible return you can over the longer term. Am I right in ticking that box? Yep.\n\nBeautiful. With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips? How do you think you might be feeling? Yep. Absolutely.\n\nBeautiful. Now you've thank you so much, though. You've scored it as a growth investor. So at the moment, as I kinda mentioned, you're in that high growth environment, which sees 90% in those growth assets. With the scoring as a growth investor, we'd see us reduce the risk level by about 10%.\n\nThe main difference there is that the high growth portfolio, you're trying to obtain around about a eight to 10% return on a yearly basis there. And when we think about the expected volatility, the market could go up by more than 14% or you could see a dip of around 14% expected. The likelihood of a negative return return, that high growth environment is one in every five years, and you've got more than eight years ahead of you. So you definitely suit that time horizon for that sort of portfolio. If we did look to sort of pull you back a bit to that growth environment, you have 80% invested in those growth assets.\n\nSo we are increasing the defensive low risk component by about 10% there. So you see 20% invested in cash, bonds, and fixed interest. The expected average returns about seven to 9%, and, again, a likelihood of a negative return is about one in every sort of five years. Realistically, you could begin both of those portfolios. It really just depends upon where that 10% realistically is gonna make much of a difference to you or whether you're gonna be concerned if you feel it.\n\nDid you wanna kinda stay in that high growth environment for another year, or did you want me to sort of look at reducing the risk level back a bit for you? How do you feel about that, and do you have more questions? Yep. Pull it pull it back to growth a little bit. Yep.\n\nYep. Absolutely. I mean, realistically, when you think about a 5% return, as your balance increases and grows, which it will definitely do, especially as you're a higher income earner, you will sort of notice those difference. If you, you know, think about someone with $50,000 in their super, a 5% return is much smaller than someone with 500,000 in their super. So as your balance increases, you will notice smaller changes affect you a little bit more or affect your balance a little bit more.\n\nSo it can definitely have a greater effect long term. So I'm happy to reduce that risk back if you like. We can go back to the growth portfolio, and then we can look at what that does. And in twelve months, if you decide you wanna go back up again, you absolutely can. Does that sound okay?\n\nYep. Beautiful. Look. I know I have touched on a lot, Patrick. Is there any questions, anything you think I might have not touched on, anything you wanna more further clarity on at all?\n\nOr no. Excellent. That's okay. Not a problem at all. So I'll just go back.\n\nWe'll look at the super. We'll hold off on additional contributions now because buying property is sort of your main goal in the short term. I'll look at what to do with your super. The investments for them will definitely get rid of Van Alung and replace that for you. I'll look at reducing your risk back to the growth portfolio a little bit and see what that does over the next sort of five to ten years.\n\nI'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there. Does that sound okay? Yep. Fantastic. All good.\n\nAnd that way, you'll also have my direct contact in the email there. So when and if you are ready to speak to a mortgage broker, please let me know. I'll happily put you in touch. Okay? Easy.\n\nPerfect. Thank you so much for your time today. If you are happy to, once you've read the email, if you could just sign and return the annual review documents back there for me. It looks like they have just come back. Sorry about that.\n\nBut, yeah, thank you so much, Yitam. I really appreciate it. It's been a pleasure. If anything else comes up, please let me know, and I'll send that email out to you shortly with the estate planning information. Just come back if there's any questions or anything you think that I might have not touched on that you wanted me to sort of look at for you.\n\nOkay. Easy. Thank you so much for your time. I hope you have a good rest of your afternoon. Did do you have any more meetings this afternoon, or is that you done to just catch up?\n\nNo. Beautiful. Well, you enjoy your afternoon. Enjoy your time with Reuben. I hope he's had a great day at school.\n\nThanks, Patrick. Appreciate it. You have a good day. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Patrick.","start":11.28,"end":12.08,"sentiment":"neutral","sentiment_score":0.04208707809448242},{"text":"It's Dana from Okie Financial.","start":12.08,"end":13.62,"sentiment":"neutral","sentiment_score":0.084965181350708},{"text":"How are you this afternoon?","start":13.84,"end":15.059999,"sentiment":"neutral","sentiment_score":0.1795876294374466},{"text":"Yeah.","start":16.994999,"end":17.234999,"sentiment":"neutral","sentiment_score":0.2874303460121155},{"text":"Very well.","start":17.234999,"end":17.715,"sentiment":"positive","sentiment_score":0.5131266415119171}],"sentiment":"neutral","sentiment_score":0.1813747892777125,"num_words":15,"start":11.28,"end":17.715},{"sentences":[{"text":"Thank you.","start":17.715,"end":18.115,"sentiment":"positive","sentiment_score":0.6287405788898468},{"text":"Thanks for asking.","start":18.115,"end":18.914999,"sentiment":"positive","sentiment_score":0.6312554876009623},{"text":"I had you booked in today to go through your annual review.","start":18.914999,"end":21.314999,"sentiment":"neutral","sentiment_score":0.27688828110694885},{"text":"Is now still a good time there for you?","start":21.314999,"end":23.335,"sentiment":"neutral","sentiment_score":0.285905197262764},{"text":"Yeah.","start":25.395,"end":25.875,"sentiment":"neutral","sentiment_score":0.3121477961540222}],"sentiment":"positive","sentiment_score":0.34663709501425427,"num_words":27,"start":17.715,"end":25.875},{"sentences":[{"text":"All good.","start":25.875,"end":26.435,"sentiment":"positive","sentiment_score":0.4449024200439453},{"text":"All good.","start":26.435,"end":27.154999,"sentiment":"positive","sentiment_score":0.43632104992866516},{"text":"I'll try not to take up too much of your time, but just touching on the things that we do need to for you.","start":27.154999,"end":31.7,"sentiment":"neutral","sentiment_score":0.19758250347028175},{"text":"Before we jump into the call there, just to let you know, we do record our calls for quality and training purposes.","start":32.0,"end":36.4,"sentiment":"neutral","sentiment_score":0.13251378658142957},{"text":"Are you happy for me to proceed with that?","start":36.4,"end":38.42,"sentiment":"neutral","sentiment_score":0.20231705904006958}],"sentiment":"neutral","sentiment_score":0.1905183704980349,"num_words":59,"start":25.875,"end":38.42},{"sentences":[{"text":"Fantastic.","start":40.239998,"end":40.739998,"sentiment":"positive","sentiment_score":0.6276676654815674},{"text":"And just to do quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":40.8,"end":47.315,"sentiment":"neutral","sentiment_score":0.2492772089317441},{"text":"Yep.","start":50.255,"end":50.755,"sentiment":"neutral","sentiment_score":0.05447065830230713},{"text":"Yep.","start":53.215,"end":53.7,"sentiment":"neutral","sentiment_score":0.060186490416526794},{"text":"Beautiful.","start":56.420002,"end":56.920002,"sentiment":"positive","sentiment_score":0.5166768431663513}],"sentiment":"neutral","sentiment_score":0.256552009532849,"num_words":36,"start":40.239998,"end":56.920002},{"sentences":[{"text":"Thank you so much for that.","start":57.14,"end":58.760002,"sentiment":"positive","sentiment_score":0.5952546497186025},{"text":"I do normally send through some annual review documents to you just to kinda go through as we are going through your annual review.","start":58.82,"end":64.1,"sentiment":"neutral","sentiment_score":0.24363639950752258},{"text":"Are you able to access your email, sir, at the moment?","start":64.1,"end":66.6,"sentiment":"neutral","sentiment_score":0.10932841084220192},{"text":"Yes.","start":68.515,"end":68.915,"sentiment":"neutral","sentiment_score":0.22441139817237857},{"text":"Fantastic.","start":68.915,"end":69.415,"sentiment":"positive","sentiment_score":0.5144385099411011}],"sentiment":"neutral","sentiment_score":0.26419218404348505,"num_words":43,"start":57.14,"end":69.415},{"sentences":[{"text":"I'm just gonna press send on this one for you so it pops through fairly quickly.","start":69.635,"end":73.33501,"sentiment":"positive","sentiment_score":0.3577410187572241},{"text":"And how's your day been so far?","start":73.955,"end":75.895004,"sentiment":"neutral","sentiment_score":0.15231150495154516},{"text":"Oh, wow.","start":80.88,"end":82.88,"sentiment":"neutral","sentiment_score":0.1704668253660202},{"text":"When's when's your next one?","start":82.88,"end":84.82,"sentiment":"neutral","sentiment_score":0.019913647323846817},{"text":"Oh, that would be nice.","start":89.759995,"end":91.619995,"sentiment":"neutral","sentiment_score":0.18319419026374817}],"sentiment":"neutral","sentiment_score":0.2327574192413262,"num_words":35,"start":69.635,"end":91.619995},{"sentences":[{"text":"That'll be nice.","start":91.68,"end":92.74,"sentiment":"neutral","sentiment_score":0.15918579200903574},{"text":"Yeah.","start":94.455,"end":94.775,"sentiment":"neutral","sentiment_score":0.06877999007701874},{"text":"Busy back to back today, but that's okay.","start":94.775,"end":97.095,"sentiment":"neutral","sentiment_score":0.12868723925203085},{"text":"I like it that way.","start":97.095,"end":98.055,"sentiment":"positive","sentiment_score":0.46793838739395144},{"text":"Let's get things done, head towards the weekend, and nice and productive.","start":98.055,"end":101.595,"sentiment":"neutral","sentiment_score":0.2950597343345483}],"sentiment":"neutral","sentiment_score":0.2571118630725762,"num_words":29,"start":91.68,"end":101.595},{"sentences":[{"text":"Yeah.","start":103.575,"end":104.075,"sentiment":"positive","sentiment_score":0.4385609030723572},{"text":"Oh, fantastic.","start":106.295,"end":107.36,"sentiment":"positive","sentiment_score":0.6633400917053223},{"text":"So when you open the email up, it does ask to have a little section where it says sign.","start":107.740005,"end":111.740005,"sentiment":"neutral","sentiment_score":0.11628264463261555},{"text":"If you can press that button, so it allows you to continue through, it will not ask you to sign anything you haven't read.","start":111.740005,"end":117.58,"sentiment":"neutral","sentiment_score":0.07341358539027472},{"text":"So it's just that you can view each of the documents there.","start":117.58,"end":121.19499,"sentiment":"neutral","sentiment_score":0.0912154500062267}],"sentiment":"neutral","sentiment_score":0.11777797903351743,"num_words":58,"start":103.575,"end":121.19499},{"sentences":[{"text":"Beautiful.","start":121.854996,"end":122.354996,"sentiment":"positive","sentiment_score":0.40560752153396606},{"text":"Now the first yeah.","start":122.415,"end":124.335,"sentiment":"neutral","sentiment_score":0.09754291363060474},{"text":"So the first one you'll see there is, obviously, your summary of superannuation and insurances.","start":124.335,"end":128.97499,"sentiment":"neutral","sentiment_score":0.09122972413897515},{"text":"So it gives you an updated balance as of the August 18, so when we did these documents up, of a $196,729.37 there.","start":128.97499,"end":138.5,"sentiment":"neutral","sentiment_score":0.08184428594034651},{"text":"I'm just having a quick look into hub twenty four to see your updated balance from last week just to kinda give you an updated change.","start":138.79999,"end":146.65999,"sentiment":"neutral","sentiment_score":0.07684485571315655}],"sentiment":"neutral","sentiment_score":0.08760304149726163,"num_words":69,"start":121.854996,"end":146.65999},{"sentences":[{"text":"So balance as of today's date was sitting at a $196,340 there now.","start":147.15501,"end":152.13501,"sentiment":"neutral","sentiment_score":0.06900267732831147},{"text":"Okay?","start":152.195,"end":152.695,"sentiment":"neutral","sentiment_score":0.04316920042037964},{"text":"With the balance last year so when I sort of look at how your portfolio has performed, your balance as of this time last year, you were sitting at a $146,006.69 and 40¢.","start":154.43501,"end":166.01001,"sentiment":"neutral","sentiment_score":0.12239950732327998},{"text":"So your balance has definitely increased, essentially, when I sort of look at the returns to the growth and the income within the fund for the last twelve months there, the net return after fees does show you up 7.31%.","start":166.01001,"end":178.705,"sentiment":"neutral","sentiment_score":0.24812777750194073},{"text":"So it's not a bad return for what has happened in the markets there.","start":178.705,"end":182.725,"sentiment":"neutral","sentiment_score":0.21497963156018937}],"sentiment":"neutral","sentiment_score":0.1779181418195367,"num_words":101,"start":147.15501,"end":182.725},{"sentences":[{"text":"You are in that high growth kind of environment.","start":183.105,"end":185.205,"sentiment":"neutral","sentiment_score":0.12809502995676464},{"text":"So, realistically, you're sort of looking to try and get a return.","start":185.265,"end":187.905,"sentiment":"neutral","sentiment_score":0.15498813365896544},{"text":"It's about eight to 10% on a yearly basis.","start":187.905,"end":190.04001,"sentiment":"neutral","sentiment_score":0.14270863350894716},{"text":"So it is a little bit under where we'd sorta like it to be.","start":190.04001,"end":192.86,"sentiment":"neutral","sentiment_score":0.021270464041403363},{"text":"But with what's been happening this year globally, the market's going up and down a little bit.","start":193.16,"end":197.08,"sentiment":"neutral","sentiment_score":-0.02523077410810134}],"sentiment":"neutral","sentiment_score":0.06829432642362157,"num_words":61,"start":183.105,"end":197.08},{"sentences":[{"text":"Bit of volatility out there.","start":197.08,"end":198.7,"sentiment":"neutral","sentiment_score":0.003591959178447729},{"text":"Coming up with a 7% return net of fees is actually quite good.","start":198.84,"end":202.86,"sentiment":"positive","sentiment_score":0.417724256332104},{"text":"Okay.","start":202.92,"end":203.42,"sentiment":"neutral","sentiment_score":0.10951575636863708},{"text":"Yeah.","start":204.885,"end":205.285,"sentiment":"positive","sentiment_score":0.36941152811050415},{"text":"Excellent.","start":205.285,"end":205.785,"sentiment":"neutral","sentiment_score":0.29314079880714417}],"sentiment":"neutral","sentiment_score":0.29621158149980364,"num_words":21,"start":197.08,"end":205.785},{"sentences":[{"text":"I also wanted to just double check.","start":206.405,"end":207.925,"sentiment":"neutral","sentiment_score":0.0725081099995545},{"text":"Now your contributions, your employer had some back pay that they were trying to that you they needed to owe you with contributions wise too.","start":207.925,"end":214.725,"sentiment":"neutral","sentiment_score":-0.003620838411152363},{"text":"It looks like you had some extra contributions going last financial year.","start":214.725,"end":218.76,"sentiment":"neutral","sentiment_score":0.01720030326396227},{"text":"Oh god.","start":225.23999,"end":225.98,"sentiment":"neutral","sentiment_score":0.03773694485425949},{"text":"Yeah.","start":228.04,"end":228.54,"sentiment":"neutral","sentiment_score":0.05499114841222763}],"sentiment":"neutral","sentiment_score":0.016040521000135453,"num_words":47,"start":206.405,"end":228.54},{"sentences":[{"text":"Oh, okay.","start":241.25499,"end":242.075,"sentiment":"neutral","sentiment_score":0.12297801673412323},{"text":"Yeah.","start":243.92001,"end":244.24,"sentiment":"positive","sentiment_score":0.3472871780395508},{"text":"Beautiful.","start":244.24,"end":244.72,"sentiment":"positive","sentiment_score":0.6476073265075684},{"text":"Yeah.","start":244.72,"end":244.88,"sentiment":"positive","sentiment_score":0.4440825581550598},{"text":"I'm glad they all got up to date for you.","start":244.88,"end":246.82,"sentiment":"positive","sentiment_score":0.5183585375547409}],"sentiment":"positive","sentiment_score":0.4579012314478556,"num_words":15,"start":241.25499,"end":246.82},{"sentences":[{"text":"So, realistically, when you sort of look at your contribution for the last financial year, you had about 45,418 going in there.","start":247.12001,"end":255.36,"sentiment":"neutral","sentiment_score":0.0449788992039182},{"text":"So it did exceed the cap by a little over $15,400.","start":255.36,"end":259.32498,"sentiment":"neutral","sentiment_score":0.02972229062156244},{"text":"But when I went back just to have a look, the year prior, so the 2025 financial year, you had about 16,000 in cap based there.","start":259.32498,"end":268.86002,"sentiment":"neutral","sentiment_score":0.028735473107260007},{"text":"And because your balance is under that 500,000 as of the June 30 the year prior, you are eligible to use that carry forward contribution.","start":268.86002,"end":276.96,"sentiment":"neutral","sentiment_score":0.0952408967912197},{"text":"So if you if you do sort of look at your super and realize you had a lot of contributions going in last year, that's okay.","start":277.18,"end":283.52002,"sentiment":"neutral","sentiment_score":0.22667237657767075}],"sentiment":"neutral","sentiment_score":0.093982795371928,"num_words":110,"start":247.12001,"end":283.52002},{"sentences":[{"text":"You did exceed the cap, but you do have caps based on prior years, and you are eligible to use those.","start":283.755,"end":289.035,"sentiment":"neutral","sentiment_score":0.22057368145102546},{"text":"So that should all be fine.","start":289.035,"end":290.635,"sentiment":"neutral","sentiment_score":0.2541516075531642},{"text":"There shouldn't be any negative consequences for you on that one there.","start":290.635,"end":293.915,"sentiment":"neutral","sentiment_score":0.0996424922098716},{"text":"Okay?","start":293.915,"end":294.415,"sentiment":"neutral","sentiment_score":0.2615516781806946},{"text":"Excellent.","start":295.67502,"end":296.17502,"sentiment":"positive","sentiment_score":0.5613824129104614}],"sentiment":"neutral","sentiment_score":0.19940490130244232,"num_words":41,"start":283.755,"end":296.17502},{"sentences":[{"text":"The other thing I sorta had noted here was your your insurances.","start":297.48,"end":300.78,"sentiment":"neutral","sentiment_score":0.059579771322508655},{"text":"So having a look at that same document there, you can see your ClearView Life and CBD cover.","start":301.0,"end":305.58,"sentiment":"neutral","sentiment_score":0.04644571689681874},{"text":"Your ClearView Life cover shows that you have a sum insured of 2,053,155 there.","start":306.04,"end":312.975,"sentiment":"neutral","sentiment_score":0.044188142088907104},{"text":"If you think about the level of cover that you're after that you need, realistically, if you were to hypothetically pass away today, the level of cover there, the 2,000,053 is fully paid out, but then your super balance is paid out on top of that.","start":313.375,"end":326.915,"sentiment":"neutral","sentiment_score":0.008882742263781636},{"text":"When you sort of think of your circumstances, do you feel like that's an appropriate level of cover?","start":327.11,"end":331.35,"sentiment":"neutral","sentiment_score":-0.03333610492861933}],"sentiment":"neutral","sentiment_score":0.01831639263589211,"num_words":108,"start":297.48,"end":331.35},{"sentences":[{"text":"Did you wanna look at altering that in any way, shape, or form?","start":331.35,"end":334.33,"sentiment":"neutral","sentiment_score":-0.006287501408503606},{"text":"Happy to leave it as is.","start":336.87,"end":338.38998,"sentiment":"positive","sentiment_score":0.4560023099184036},{"text":"Absolutely.","start":338.38998,"end":338.88998,"sentiment":"positive","sentiment_score":0.34448564052581787},{"text":"And you've also got your total permanent disability cover there as well, which does cover you for a little bit less.","start":339.595,"end":345.035,"sentiment":"neutral","sentiment_score":0.09277882285061337},{"text":"The city at 1000900And3300And13.","start":345.035,"end":348.815,"sentiment":"neutral","sentiment_score":0.024571526795625687}],"sentiment":"neutral","sentiment_score":0.11212007486157947,"num_words":45,"start":331.35,"end":348.815},{"sentences":[{"text":"One of the things I do kinda like to make sure people are aware, if you do claim on TBD, so you're permanently unable to ever go back to work again, if you do claim on that cover, you're under the age of 60 and you withdraw the funds out, there are taxation consequences for it.","start":349.435,"end":363.84,"sentiment":"neutral","sentiment_score":-0.03859965537308848},{"text":"I think it's personally not a great thing.","start":363.84,"end":366.165,"sentiment":"negative","sentiment_score":-0.4007653295993805},{"text":"But tax on TBD claims when they are paid out is up to 22%.","start":367.36502,"end":371.70502,"sentiment":"neutral","sentiment_score":-0.15848153297390258},{"text":"So you theoretically if you claim on that, withdraw the whole thing at at your current age, it would have to tax consequences there.","start":371.765,"end":379.11,"sentiment":"neutral","sentiment_score":-0.07346557034179568},{"text":"We say it's up to 22% because there is a bit of a math equation there, which means the tax consequences could be less.","start":379.34998,"end":385.84998,"sentiment":"neutral","sentiment_score":-0.04249742611621817}],"sentiment":"neutral","sentiment_score":-0.0822980691612299,"num_words":126,"start":349.435,"end":385.84998},{"sentences":[{"text":"It goes on a few different factors.","start":386.15,"end":387.77,"sentiment":"neutral","sentiment_score":-0.014548134856990405},{"text":"But if you happen to claim on that, we would provide advice to help assist you, keep the funds working as long as possible, allow you to draw down what you needed to and how to, you know, minimize those tax consequences as much as possible.","start":387.99,"end":399.19498,"sentiment":"neutral","sentiment_score":0.08726666398022485},{"text":"So I just like to make sure that you're aware of that, that, you know, no we're not hiding anything with regard to how that works, but making sure that, you know, you you're aware that we would certainly help you to provide advice in that area if you were to claim.","start":399.25497,"end":412.31,"sentiment":"neutral","sentiment_score":0.07064792954434569},{"text":"Okay?","start":412.31,"end":412.81,"sentiment":"neutral","sentiment_score":0.032971493899822235},{"text":"Excellent.","start":414.22998,"end":414.72998,"sentiment":"positive","sentiment_score":0.40636029839515686}],"sentiment":"neutral","sentiment_score":0.07500424044572304,"num_words":107,"start":386.15,"end":414.72998},{"sentences":[{"text":"Perfect.","start":415.11,"end":415.61,"sentiment":"positive","sentiment_score":0.3452765941619873},{"text":"Also, the other side of that is if you did claim on TBD, we can also claim incapacity against your super.","start":415.83,"end":422.025,"sentiment":"neutral","sentiment_score":0.03571593113953159},{"text":"So there is a chance you could also get your super released under that for you.","start":422.025,"end":425.54498,"sentiment":"neutral","sentiment_score":0.05117473774589598},{"text":"Okay?","start":425.54498,"end":426.04498,"sentiment":"neutral","sentiment_score":0.049051109701395035},{"text":"Excellent.","start":427.22498,"end":427.72498,"sentiment":"positive","sentiment_score":0.3816492557525635}],"sentiment":"neutral","sentiment_score":0.05862018293701112,"num_words":40,"start":415.11,"end":427.72498},{"sentences":[{"text":"All good.","start":427.94498,"end":428.50497,"sentiment":"positive","sentiment_score":0.38563333451747894},{"text":"So with the level of TBD, are you still fairly comfortable with that level of cover?","start":428.50497,"end":432.60498,"sentiment":"neutral","sentiment_score":0.0793579863384366},{"text":"Yeah.","start":435.23,"end":435.71,"sentiment":"positive","sentiment_score":0.4971197247505188},{"text":"All good.","start":435.71,"end":436.27,"sentiment":"positive","sentiment_score":0.6757930517196655},{"text":"No worries at all.","start":436.27,"end":437.65,"sentiment":"positive","sentiment_score":0.41777293384075165}],"sentiment":"neutral","sentiment_score":0.222431680560112,"num_words":25,"start":427.94498,"end":437.65},{"sentences":[{"text":"I've also got your income protection covered there as well.","start":437.87,"end":440.59,"sentiment":"positive","sentiment_score":0.34386871457099916},{"text":"So you can sort of see your income protection benefit currently has some insured monthly pretax benefit of $13,018.18 dollars there.","start":440.59,"end":450.165,"sentiment":"neutral","sentiment_score":0.21543656076703752},{"text":"Income wise, so you can be covered up to 70% of your, technically, gross income.","start":450.785,"end":456.245,"sentiment":"neutral","sentiment_score":0.1724242200454076},{"text":"What is your expected income for this year, do you think?","start":456.545,"end":459.265,"sentiment":"neutral","sentiment_score":0.07909567586400292},{"text":"We had about 210,000 last year.","start":459.265,"end":467.22,"sentiment":"neutral","sentiment_score":0.021307684170703094}],"sentiment":"neutral","sentiment_score":0.1832875676512245,"num_words":63,"start":437.87,"end":467.22},{"sentences":[{"text":"Okay.","start":467.68,"end":468.18,"sentiment":"neutral","sentiment_score":0.021732782945036888},{"text":"Yep.","start":469.12,"end":469.62,"sentiment":"neutral","sentiment_score":0.047218888998031616},{"text":"Mhmm.","start":476.0,"end":476.445,"sentiment":"neutral","sentiment_score":0.02381797321140766},{"text":"Yep.","start":479.08502,"end":479.58502,"sentiment":"neutral","sentiment_score":0.03629083186388016},{"text":"Okay.","start":481.565,"end":482.065,"sentiment":"neutral","sentiment_score":-0.0008946359157562256}],"sentiment":"neutral","sentiment_score":0.02563316822052002,"num_words":5,"start":467.68,"end":482.065},{"sentences":[{"text":"Yep.","start":482.20502,"end":482.70502,"sentiment":"neutral","sentiment_score":-0.022178538143634796},{"text":"Keep it in there.","start":489.165,"end":490.02,"sentiment":"neutral","sentiment_score":-0.13181686960160732},{"text":"No.","start":495.62,"end":495.94,"sentiment":"neutral","sentiment_score":-0.08302712440490723},{"text":"That's okay.","start":495.94,"end":496.68,"sentiment":"neutral","sentiment_score":-0.005031488835811615},{"text":"So, realistically, when you think about income protection and how it works, you can be covered for up to 70% of your total gross income.","start":497.06,"end":504.19998,"sentiment":"neutral","sentiment_score":0.09523521661758423}],"sentiment":"neutral","sentiment_score":0.05267709990342458,"num_words":33,"start":482.20502,"end":504.19998},{"sentences":[{"text":"But if you are able to earn income sort of so as an example, like, if you broke your leg and you couldn't go to your full time occupation, but you could still, you know, do some work from home and or earn some income from your self employed or from your company, they would look at how you could do that.","start":505.115,"end":520.84,"sentiment":"neutral","sentiment_score":0.029730875405573075},{"text":"And, theoretically, you could they would they could adjust the amount that you're able to claim and reduce the amount that you're able to receive in the income protection claim by what you can receive from your self employed business.","start":520.84,"end":532.935,"sentiment":"neutral","sentiment_score":0.05821799477562308},{"text":"So, realistically, insurers will look at what you're able to what you're insured for, what you made prior to disability, and then they're also gonna look at are you able to earn any of this income whilst you're currently off work so that they can try to reduce the claim.","start":533.015,"end":546.19,"sentiment":"neutral","sentiment_score":0.03608079131692648},{"text":"As you can imagine, insurance companies are trying to pay as lesser as as little as little of the claim as possible, essentially.","start":546.19,"end":552.85,"sentiment":"neutral","sentiment_score":-0.08980370867673469},{"text":"We're sort of looking at that.","start":554.51,"end":555.95,"sentiment":"neutral","sentiment_score":0.04220351514716943}],"sentiment":"neutral","sentiment_score":0.0230044719521265,"num_words":181,"start":505.115,"end":555.95},{"sentences":[{"text":"Now based on just your full time income of that 300,000, that would essentially see us requiring a monthly benefit about 17,500.","start":555.95,"end":566.34503,"sentiment":"neutral","sentiment_score":0.03399760462343693},{"text":"But if you look at your circumstances and your current scenario, it would that 13,018 on a monthly benefit pretax, would that cover majority of your expenses?","start":566.485,"end":577.07,"sentiment":"neutral","sentiment_score":0.02804283825335679},{"text":"Would you need to maybe look at increasing the income protection benefit to cover you?","start":577.07,"end":581.15,"sentiment":"neutral","sentiment_score":-0.019644197821617127},{"text":"How do you sort of feel about that?","start":581.15,"end":582.85004,"sentiment":"neutral","sentiment_score":0.014498562552034855},{"text":"Yep.","start":587.55,"end":587.895,"sentiment":"neutral","sentiment_score":0.27130383253097534}],"sentiment":"neutral","sentiment_score":0.02188675753670196,"num_words":73,"start":555.95,"end":587.895},{"sentences":[{"text":"That's okay.","start":589.655,"end":590.455,"sentiment":"positive","sentiment_score":0.48652827739715576},{"text":"If anything comes to mind, you decide you wanted to sort of look at that in more detail, let me know.","start":590.455,"end":594.375,"sentiment":"neutral","sentiment_score":0.21726041038831076},{"text":"I'm more than happy to do so.","start":594.375,"end":595.91504,"sentiment":"positive","sentiment_score":0.6421538676534381},{"text":"We do review these every year with you.","start":596.135,"end":598.375,"sentiment":"positive","sentiment_score":0.3433058299124241},{"text":"But, yes, it's about making sure that you're got the right level of cover that suits you, but that you're not also overpaying for insurances because that those funds do come out of your super.","start":598.375,"end":608.76,"sentiment":"neutral","sentiment_score":0.14016232660838535}],"sentiment":"neutral","sentiment_score":0.2422291824262436,"num_words":73,"start":589.655,"end":608.76},{"sentences":[{"text":"And insurances do get more expensive as you get older as well, and that can have a greater effect on your retirement income.","start":608.82,"end":614.76,"sentiment":"neutral","sentiment_score":-0.1867561868351439},{"text":"Okay.","start":614.89996,"end":615.39996,"sentiment":"neutral","sentiment_score":0.050567664206027985},{"text":"Yeah.","start":616.53503,"end":617.03503,"sentiment":"neutral","sentiment_score":0.2799493968486786},{"text":"Perfect.","start":617.17505,"end":617.67505,"sentiment":"positive","sentiment_score":0.4413189888000488},{"text":"You've also got a thirty day waiting period there.","start":617.895,"end":620.05505,"sentiment":"neutral","sentiment_score":0.09855005807346767}],"sentiment":"neutral","sentiment_score":-0.075331592134067,"num_words":35,"start":608.82,"end":620.05505},{"sentences":[{"text":"Do you know how your waiting and benefit periods work with the income protection policy?","start":620.05505,"end":624.075,"sentiment":"neutral","sentiment_score":0.030017695824305215},{"text":"No.","start":626.695,"end":626.85504,"sentiment":"neutral","sentiment_score":-0.23886948823928833},{"text":"That's okay.","start":626.85504,"end":627.755,"sentiment":"neutral","sentiment_score":-0.1417529284954071},{"text":"A thirty day waiting period essentially means you just have to be off work for thirty days prior to being able to make the claim.","start":628.135,"end":633.65,"sentiment":"neutral","sentiment_score":-0.14345492765307427},{"text":"So, essentially, we'd sort of say if it if anything was to happen and you felt you were gonna make that waiting period to let us know straight away, we'll let the insurer know.","start":633.79,"end":641.87,"sentiment":"neutral","sentiment_score":-0.04952218586250263}],"sentiment":"neutral","sentiment_score":-0.06937970673399312,"num_words":77,"start":620.05505,"end":641.87},{"sentences":[{"text":"They'll start the waiting period from the first day that you were off work.","start":641.87,"end":645.045,"sentiment":"neutral","sentiment_score":-0.06870983368051904},{"text":"Once that thirty day hits, then the insurance can can be submitted.","start":645.52496,"end":649.385,"sentiment":"neutral","sentiment_score":-0.016011957079172134},{"text":"It can take another thirty odd days depending on the insurer to pay out the claim.","start":649.925,"end":654.165,"sentiment":"neutral","sentiment_score":-0.19837721204385161},{"text":"So you are often paid in arrears.","start":654.165,"end":655.945,"sentiment":"neutral","sentiment_score":-0.2813385214124407},{"text":"So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through.","start":656.485,"end":664.86005,"sentiment":"neutral","sentiment_score":-0.018605227814987302}],"sentiment":"neutral","sentiment_score":-0.08509695665611897,"num_words":81,"start":641.87,"end":664.86005},{"sentences":[{"text":"So you realistically are not receiving an income for about sixty days with that one.","start":664.86005,"end":669.60004,"sentiment":"neutral","sentiment_score":-0.12636582553386688},{"text":"With the benefit period, it's how long you can be on a claim for.","start":670.7,"end":674.505,"sentiment":"neutral","sentiment_score":0.030932850869638578},{"text":"So if you were to be on a claim, if you were to, you know, be offered a five year period, at the end of the benefit period of five years, they will stop the claim regardless of whether you're able to go back to work or not.","start":674.585,"end":685.545,"sentiment":"neutral","sentiment_score":0.008445710584055632},{"text":"So, realistically, most claims are dealt within within the first sort of two years.","start":685.545,"end":689.8,"sentiment":"neutral","sentiment_score":0.020486528053879738},{"text":"As you can imagine, insurers don't wanna pay claims for long periods of time.","start":689.8,"end":693.32,"sentiment":"neutral","sentiment_score":-0.06898204476705619}],"sentiment":"neutral","sentiment_score":-0.016533053302693935,"num_words":105,"start":664.86005,"end":693.32},{"sentences":[{"text":"So as soon as you're off work, they're trying to find ways to get you back to work and seek rehabilitation and things like that.","start":693.32,"end":700.14,"sentiment":"neutral","sentiment_score":-0.03542374014854431},{"text":"But this just means that at five years, that claim stops regardless for you.","start":700.745,"end":705.165,"sentiment":"neutral","sentiment_score":-0.038724279297249656},{"text":"Okay?","start":705.225,"end":705.725,"sentiment":"neutral","sentiment_score":0.008422132581472397},{"text":"Yep.","start":706.665,"end":707.065,"sentiment":"neutral","sentiment_score":0.275722861289978},{"text":"Beautiful.","start":707.065,"end":707.565,"sentiment":"positive","sentiment_score":0.5047104358673096}],"sentiment":"neutral","sentiment_score":-0.015211380574674834,"num_words":42,"start":693.32,"end":707.565},{"sentences":[{"text":"At the moment, the amount that you have paid for the policy is $2,380.36.","start":708.105,"end":713.625,"sentiment":"neutral","sentiment_score":0.07008449653429645},{"text":"That's how much came out of your super fund.","start":713.625,"end":715.71,"sentiment":"neutral","sentiment_score":0.057951629575755864},{"text":"But the total amount the insurer actually received was 2,800 for the policy.","start":716.11005,"end":720.37,"sentiment":"neutral","sentiment_score":0.010727178305387497},{"text":"So I'll just keep reviewing this with you each year.","start":720.43,"end":722.91003,"sentiment":"neutral","sentiment_score":0.019714896008372305},{"text":"They as I said, they are gonna get more expensive over time, so we wanna make sure the policy stays in line with what you needed to cover, but also making sure we're not eating away too much of your sleep down the track there as well.","start":722.91003,"end":734.57495,"sentiment":"neutral","sentiment_score":-0.15245503908459176}],"sentiment":"neutral","sentiment_score":-0.057269214422151604,"num_words":93,"start":708.105,"end":734.57495},{"sentences":[{"text":"Okay?","start":734.57495,"end":735.07495,"sentiment":"neutral","sentiment_score":-0.011729037389159204},{"text":"Excellent.","start":736.175,"end":736.675,"sentiment":"positive","sentiment_score":0.527434766292572},{"text":"All good.","start":736.89496,"end":737.71497,"sentiment":"positive","sentiment_score":0.5184846222400665},{"text":"The only other thing I can sort of see is you don't have any it looks like originally, we had recommended trauma cover.","start":738.495,"end":745.07495,"sentiment":"neutral","sentiment_score":-0.17705386034820392},{"text":"Obviously, this doesn't have trauma on there.","start":745.44,"end":747.52,"sentiment":"neutral","sentiment_score":-0.17684592945235117}],"sentiment":"neutral","sentiment_score":-0.11051427414092947,"num_words":34,"start":734.57495,"end":747.52},{"sentences":[{"text":"Do you still have that cover?","start":747.52,"end":749.04004,"sentiment":"neutral","sentiment_score":-0.1483976493279139},{"text":"Are you still paying for trauma out of your back pocket, or you don't have any additional insurances outside of that lifekeeping income protection?","start":749.04004,"end":755.86,"sentiment":"neutral","sentiment_score":-0.19008191240330538},{"text":"Okay.","start":759.92,"end":760.42,"sentiment":"neutral","sentiment_score":-0.03254587948322296},{"text":"No.","start":760.575,"end":760.815,"sentiment":"neutral","sentiment_score":-0.1044774055480957},{"text":"That's okay.","start":760.815,"end":761.215,"sentiment":"neutral","sentiment_score":-0.022867808118462563}],"sentiment":"neutral","sentiment_score":-0.16573854985044284,"num_words":34,"start":747.52,"end":761.215},{"sentences":[{"text":"Just an having a look at the advice talking back initially, we had recommended the trauma policy.","start":761.215,"end":765.955,"sentiment":"neutral","sentiment_score":-0.034952864708269346},{"text":"Do you remember kinda going through that recommendation with Tarek and sort of what the conversation was around that and if you'd sort of taken that policy at any point.","start":766.735,"end":778.93,"sentiment":"neutral","sentiment_score":-0.0018468892725650222},{"text":"No.","start":778.93,"end":779.25,"sentiment":"neutral","sentiment_score":-0.06913779675960541},{"text":"That's okay.","start":779.25,"end":780.07,"sentiment":"neutral","sentiment_score":-0.034745991230010986},{"text":"That's okay.","start":782.37,"end":783.27,"sentiment":"neutral","sentiment_score":0.05599625315517187}],"sentiment":"neutral","sentiment_score":-0.013004666367823329,"num_words":52,"start":761.215,"end":783.27},{"sentences":[{"text":"That's alright.","start":783.73004,"end":784.37,"sentiment":"neutral","sentiment_score":0.15264679491519928},{"text":"Do you feel like you're comfortable not paying for anything additional?","start":784.37,"end":787.17,"sentiment":"neutral","sentiment_score":0.08462569557807663},{"text":"You're happy with just the life keeping in income protection?","start":787.17,"end":789.67,"sentiment":"neutral","sentiment_score":0.11545236110687256},{"text":"Yeah.","start":789.81,"end":790.31,"sentiment":"neutral","sentiment_score":0.1407163441181183},{"text":"Beautiful.","start":790.505,"end":791.005,"sentiment":"positive","sentiment_score":0.6146633625030518}],"sentiment":"neutral","sentiment_score":0.12584318235516548,"num_words":25,"start":783.73004,"end":791.005},{"sentences":[{"text":"That's okay.","start":792.505,"end":793.245,"sentiment":"neutral","sentiment_score":0.1924191117286682},{"text":"I mean, realistically, when you think about all the things we can be insured for for us, our dogs, our pets, our house, and contacts, we can basically be forking out millions of dollars a year just insurance premiums at this rate.","start":793.305,"end":804.425,"sentiment":"neutral","sentiment_score":0.06410540990708839},{"text":"So excellent.","start":804.425,"end":807.89,"sentiment":"neutral","sentiment_score":0.2808164106681943},{"text":"All good.","start":808.19,"end":809.01,"sentiment":"positive","sentiment_score":0.4949316680431366},{"text":"If you would just go to the next document for me, the next one along is your performance report here.","start":809.47003,"end":814.19,"sentiment":"neutral","sentiment_score":0.06485504359006881}],"sentiment":"neutral","sentiment_score":0.08714503630557481,"num_words":68,"start":792.505,"end":814.19},{"sentences":[{"text":"So this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed.","start":814.19,"end":822.525,"sentiment":"neutral","sentiment_score":0.012954073608852923},{"text":"Majority of them have performed really well for the year, and you have received your really good return at 7.31%.","start":823.305,"end":829.085,"sentiment":"neutral","sentiment_score":0.2346347875893116},{"text":"However, I can see the top that that been along Australian equities is underperforming slightly, and I think that's also having a bit of an effect on your super.","start":829.625,"end":836.82,"sentiment":"neutral","sentiment_score":-0.2566312721063351},{"text":"So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations.","start":836.82,"end":843.48,"sentiment":"neutral","sentiment_score":0.05717548458226796},{"text":"I definitely wanna look at pulling that investment out of there.","start":843.86,"end":846.765,"sentiment":"neutral","sentiment_score":0.0006407868455756794}],"sentiment":"neutral","sentiment_score":-0.005536719633281724,"num_words":121,"start":814.19,"end":846.765},{"sentences":[{"text":"One of the things and one of the things that having Bennelong in that is that Bennelong is supposed to be an actively managed fund.","start":847.645,"end":854.28503,"sentiment":"neutral","sentiment_score":-0.10211628153920174},{"text":"So the investment manager within that fund is trying to outperform against the market, trying to pick the top of the bottom and pick investments to buy into at certain times.","start":854.28503,"end":863.63,"sentiment":"neutral","sentiment_score":-0.11228730048864119},{"text":"They haven't been able to do that.","start":864.17,"end":865.69,"sentiment":"negative","sentiment_score":-0.34722485286848886},{"text":"It is holding your portfolio back a little bit there at the moment, so I do wanna remove it out.","start":865.69,"end":870.59,"sentiment":"negative","sentiment_score":-0.3593143433332443},{"text":"We could realistically keep it in there for a bit longer, but when you sort of look at the market as a whole, as much as the market has had those ups and downs, the Australian market is actually performing quite well at the moment.","start":870.81,"end":882.875,"sentiment":"neutral","sentiment_score":0.07607321043809255}],"sentiment":"neutral","sentiment_score":-0.09552640406764112,"num_words":128,"start":847.645,"end":882.875},{"sentences":[{"text":"And I can sort of show you why.","start":883.415,"end":885.01495,"sentiment":"neutral","sentiment_score":0.2772235181182623},{"text":"If you look to three down from the Benelong Australian Equities, you've got the keywords invest as the Raffy.","start":885.01495,"end":890.93,"sentiment":"neutral","sentiment_score":0.1651438941296778},{"text":"That is actually giving you exposure to Australian equities as well, and that's up by 15.03%.","start":891.31,"end":897.97003,"sentiment":"neutral","sentiment_score":0.24177976790815592},{"text":"And the other thing to look at is the American market because we tend to follow suit with the American market as well.","start":898.27,"end":903.97003,"sentiment":"neutral","sentiment_score":0.08224092132371405},{"text":"And the iShares S and P five hundred, you're up by 10.91% there.","start":904.11,"end":908.805,"sentiment":"neutral","sentiment_score":0.16081102478962678}],"sentiment":"neutral","sentiment_score":0.16716560674241826,"num_words":79,"start":883.415,"end":908.805},{"sentences":[{"text":"So when I look at the Australian and international markets, and they're performing quite well, but then this one Australian investment isn't doing so well, it's less to do with the markets as a whole, and it's more to do with the investment as such.","start":908.805,"end":921.0,"sentiment":"neutral","sentiment_score":-0.06366951937476793},{"text":"So if you're comfortable, I'd like to replace that with something else and look at keeping your super working a bit harder.","start":921.24,"end":927.32,"sentiment":"neutral","sentiment_score":-0.004340521102263169},{"text":"Do you have any questions and or concerns about that?","start":927.32,"end":930.06,"sentiment":"neutral","sentiment_score":0.02691513579338789},{"text":"Yep.","start":932.52,"end":933.0,"sentiment":"neutral","sentiment_score":0.052782006561756134},{"text":"Yep.","start":933.0,"end":933.5,"sentiment":"neutral","sentiment_score":0.03583864867687225}],"sentiment":"neutral","sentiment_score":-0.03294744079673215,"num_words":79,"start":908.805,"end":933.5},{"sentences":[{"text":"Yeah.","start":936.60504,"end":937.10504,"sentiment":"neutral","sentiment_score":0.01852717623114586},{"text":"Yeah.","start":937.72504,"end":938.22504,"sentiment":"neutral","sentiment_score":0.011000433936715126},{"text":"We'd rather not compound and not do any worse than that.","start":938.925,"end":941.805,"sentiment":"neutral","sentiment_score":-0.09112804010510445},{"text":"So we can look at switching it out.","start":941.805,"end":943.565,"sentiment":"neutral","sentiment_score":0.027706196531653404},{"text":"And because it is down at the moment, I can look at the rest of your portfolio and see where there might be some other changes that we need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try and offset those as much as possible for you.","start":943.565,"end":960.25,"sentiment":"neutral","sentiment_score":0.0390013182076855}],"sentiment":"neutral","sentiment_score":0.021553996639947098,"num_words":90,"start":936.60504,"end":960.25},{"sentences":[{"text":"Okay?","start":960.25,"end":960.75,"sentiment":"neutral","sentiment_score":0.059515342116355896},{"text":"Excellent.","start":962.08997,"end":962.58997,"sentiment":"positive","sentiment_score":0.5666921138763428},{"text":"The other thing I am looking at is the bank hybrids there.","start":963.05,"end":965.505,"sentiment":"neutral","sentiment_score":0.09600154962390661},{"text":"They are more of a defensive lower risk investment, and they have done really well.","start":965.505,"end":969.445,"sentiment":"neutral","sentiment_score":0.1747143457333247},{"text":"However, down the track, the government is actually phasing those out.","start":969.505,"end":972.945,"sentiment":"neutral","sentiment_score":-0.18259486556053162}],"sentiment":"neutral","sentiment_score":0.059759942907840015,"num_words":40,"start":960.25,"end":972.945},{"sentences":[{"text":"So I feel like it's probably a good chance to remove them now.","start":972.945,"end":976.065,"sentiment":"neutral","sentiment_score":-0.002640970767690585},{"text":"That way, we don't have to make those changes down the track there for you.","start":976.065,"end":979.185,"sentiment":"neutral","sentiment_score":0.0825124740600586},{"text":"Let's update the portfolio as a whole while we can make it easier.","start":979.185,"end":983.11,"sentiment":"neutral","sentiment_score":0.11109469085931778},{"text":"How does that sound?","start":983.17004,"end":984.23004,"sentiment":"neutral","sentiment_score":0.2512977793812752},{"text":"Yeah.","start":984.45,"end":984.95,"sentiment":"neutral","sentiment_score":0.18904398381710052}],"sentiment":"neutral","sentiment_score":0.08351783855291812,"num_words":46,"start":972.945,"end":984.95},{"sentences":[{"text":"Excellent.","start":986.45,"end":986.95,"sentiment":"positive","sentiment_score":0.7069050073623657},{"text":"Everything else, though, is working really well.","start":987.09,"end":989.49,"sentiment":"positive","sentiment_score":0.5805295194898333},{"text":"We have seen I think it's property at the bottom.","start":989.49,"end":992.065,"sentiment":"neutral","sentiment_score":0.18264389485120774},{"text":"There's the only other one that isn't performing as well, and I'll review that one for you just to sorta make sure if we need to move that, we will.","start":992.065,"end":998.325,"sentiment":"neutral","sentiment_score":0.05153005110720794},{"text":"But, otherwise, the market as a whole with the volatility we are seeing, they have still performed nicely, and we are still, you know, up at the moment.","start":998.945,"end":1007.01,"sentiment":"neutral","sentiment_score":0.06968666120831456}],"sentiment":"neutral","sentiment_score":0.13281813999147793,"num_words":76,"start":986.45,"end":1007.01},{"sentences":[{"text":"So it's just about going through those ups and downs and the volatility that we generally see.","start":1007.01,"end":1011.75,"sentiment":"neutral","sentiment_score":0.01946188443723847},{"text":"But I can see some chances here to change your portfolio over, so I will do that for you and review the super for you to make sure everything continues to work harder.","start":1012.05005,"end":1022.865,"sentiment":"neutral","sentiment_score":0.09030540479403554},{"text":"Okay?","start":1022.865,"end":1023.02496,"sentiment":"neutral","sentiment_score":0.1134008914232254},{"text":"Excellent.","start":1023.02496,"end":1023.52496,"sentiment":"positive","sentiment_score":0.3818454146385193},{"text":"All good.","start":1023.665,"end":1024.485,"sentiment":"positive","sentiment_score":0.34101802110671997}],"sentiment":"neutral","sentiment_score":0.08311505077613725,"num_words":54,"start":1007.01,"end":1024.485},{"sentences":[{"text":"The next page of that same document just outlines the internal rate of return and shows that you have received a 7.31% for the year net of fees, and the total earnings of that is just over $14,000 a year.","start":1024.865,"end":1036.77,"sentiment":"neutral","sentiment_score":0.1399498727172613},{"text":"So we wanna compound and keep that working harder for you so that your balance increases over time.","start":1036.77,"end":1042.31,"sentiment":"neutral","sentiment_score":0.22463133351670372},{"text":"Okay?","start":1042.77,"end":1043.27,"sentiment":"neutral","sentiment_score":0.07348816096782684},{"text":"I did also have a quick look at since inception as well because just sort of see, you've been on for three years now.","start":1044.8501,"end":1050.495,"sentiment":"neutral","sentiment_score":0.06795629238088925},{"text":"Your total performance over the past three, sorry, three years, you've averaged about 32.21.","start":1051.1951,"end":1058.555,"sentiment":"neutral","sentiment_score":0.07187911495566368}],"sentiment":"neutral","sentiment_score":0.1273412958709235,"num_words":97,"start":1024.865,"end":1058.555},{"sentences":[{"text":"So when I kinda go back and average it out over the each year individually, it's essentially about a 10.73% return.","start":1058.555,"end":1065.88,"sentiment":"neutral","sentiment_score":0.0790126325473899},{"text":"So, realistically, your portfolio has been working and compounding nicely since you came on board there just to kinda give you a bit of a an update on the total.","start":1065.9401,"end":1074.76,"sentiment":"neutral","sentiment_score":0.14494654349982738},{"text":"But, no, very happy with how things are tracking.","start":1075.305,"end":1077.385,"sentiment":"positive","sentiment_score":0.3683093265733785},{"text":"We just wanna keep evolving and making it work.","start":1077.385,"end":1079.9651,"sentiment":"positive","sentiment_score":0.3998274538252089},{"text":"Realistically, investments that might have been great a couple of years ago do need to be updated every couple of years depending on how markets change over time.","start":1080.665,"end":1089.66,"sentiment":"neutral","sentiment_score":0.07106668741575309}],"sentiment":"neutral","sentiment_score":0.15371917381152972,"num_words":97,"start":1058.555,"end":1089.66},{"sentences":[{"text":"So it is good to review it with you.","start":1089.66,"end":1091.5801,"sentiment":"positive","sentiment_score":0.37813811790612006},{"text":"Absolutely.","start":1091.5801,"end":1092.0801,"sentiment":"positive","sentiment_score":0.4593777656555176},{"text":"Do you have any questions about the super, the performance, the investments, or anything like that so far?","start":1093.26,"end":1098.8,"sentiment":"neutral","sentiment_score":0.050826988079481654},{"text":"Yep.","start":1101.1001,"end":1101.6001,"sentiment":"positive","sentiment_score":0.4315062761306762},{"text":"Fantastic.","start":1102.2201,"end":1102.7201,"sentiment":"positive","sentiment_score":0.7852036952972412}],"sentiment":"neutral","sentiment_score":0.19980721945563953,"num_words":30,"start":1089.66,"end":1102.7201},{"sentences":[{"text":"Excellent.","start":1103.1001,"end":1103.6001,"sentiment":"positive","sentiment_score":0.7490410804748535},{"text":"That's the main documents there.","start":1105.215,"end":1107.155,"sentiment":"positive","sentiment_score":0.38572241067886354},{"text":"The next documents along you'll see is the Vanguard index chart, and that's essentially showing you a bit of an update on how markets perform.","start":1107.215,"end":1114.595,"sentiment":"neutral","sentiment_score":0.21396926403045655},{"text":"I tend to use it as a bit of a guide to sort of you say this is how markets go up and down.","start":1114.8151,"end":1119.535,"sentiment":"neutral","sentiment_score":0.15122336645921072},{"text":"This is what's kind of expected there.","start":1119.535,"end":1121.52,"sentiment":"neutral","sentiment_score":0.1333079614809581}],"sentiment":"neutral","sentiment_score":0.20305485903255402,"num_words":62,"start":1103.1001,"end":1121.52},{"sentences":[{"text":"With your portfolio, you're actually in a high growth environment.","start":1121.98,"end":1125.04,"sentiment":"neutral","sentiment_score":0.10269219502806663},{"text":"So when you sort of are looking at that chart, you can see this first one is The US shares.","start":1125.1,"end":1130.8,"sentiment":"neutral","sentiment_score":0.06544660571962595},{"text":"Essentially, with that, it's a growth asset.","start":1131.9,"end":1134.14,"sentiment":"neutral","sentiment_score":0.0824844092130661},{"text":"So you're theoretically about 90% invested in this as a growth asset.","start":1134.14,"end":1138.355,"sentiment":"neutral","sentiment_score":0.0988142608354489},{"text":"So US shares, Australian shares, international shares, and listed properties.","start":1138.355,"end":1142.035,"sentiment":"neutral","sentiment_score":0.061680609732866286}],"sentiment":"neutral","sentiment_score":0.07992918909353725,"num_words":59,"start":1121.98,"end":1142.035},{"sentences":[{"text":"So you are taking a bit more risk in the market to try and get greater potential returns.","start":1142.035,"end":1146.5951,"sentiment":"neutral","sentiment_score":0.044893946084711284},{"text":"But as your balance increases, smaller changes and even smaller dips in the market are gonna have a bigger effect, and you might feel them a bit greater as well.","start":1146.5951,"end":1155.25,"sentiment":"neutral","sentiment_score":0.09828922400871913},{"text":"So I will just do a bit of a risk profile questionnaire with you at the end of the call just to evaluate whether that portfolio is still suited to you.","start":1155.25,"end":1163.445,"sentiment":"neutral","sentiment_score":0.06618980666802775},{"text":"But when you sort of think about the markets and the ups and downs and the risk level, are you still fairly comfortable taking on that kind of higher risk environment to get greater potential returns?","start":1163.445,"end":1172.885,"sentiment":"neutral","sentiment_score":0.0038315651731358636},{"text":"How do you sort of feel about that?","start":1172.885,"end":1180.19,"sentiment":"neutral","sentiment_score":-0.014654538594186306}],"sentiment":"neutral","sentiment_score":0.04739310401605397,"num_words":123,"start":1142.035,"end":1180.19},{"sentences":[{"text":"Yep.","start":1180.19,"end":1180.69,"sentiment":"neutral","sentiment_score":0.04854590445756912},{"text":"Yeah.","start":1184.67,"end":1185.17,"sentiment":"neutral","sentiment_score":0.0347171425819397},{"text":"Yep.","start":1187.15,"end":1187.65,"sentiment":"neutral","sentiment_score":0.13253054022789},{"text":"Absolutely.","start":1187.87,"end":1188.37,"sentiment":"positive","sentiment_score":0.33693727850914},{"text":"Perfect.","start":1189.15,"end":1189.65,"sentiment":"positive","sentiment_score":0.4346241056919098}],"sentiment":"neutral","sentiment_score":0.19747099429368972,"num_words":5,"start":1180.19,"end":1189.65},{"sentences":[{"text":"I'll go through the risk profile then.","start":1190.525,"end":1192.205,"sentiment":"neutral","sentiment_score":0.1327143173132624},{"text":"We'll kinda talk a bit more deeper about it, and then you can you let me know if you, you know, wanna make any changes to that at all?","start":1192.205,"end":1198.5449,"sentiment":"neutral","sentiment_score":0.11267032628429346},{"text":"The next document, if you kinda keep moving forward, is the Clearview Certificate of Currencies.","start":1199.085,"end":1203.505,"sentiment":"neutral","sentiment_score":0.06517747268080712},{"text":"This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one.","start":1203.725,"end":1209.73,"sentiment":"neutral","sentiment_score":0.1806771463968537},{"text":"It's more just a bit of a guide to give you an update there.","start":1210.03,"end":1212.91,"sentiment":"neutral","sentiment_score":0.19450198486447334}],"sentiment":"neutral","sentiment_score":0.13646007795957313,"num_words":87,"start":1190.525,"end":1212.91},{"sentences":[{"text":"Okay?","start":1212.91,"end":1213.41,"sentiment":"neutral","sentiment_score":0.12856218218803406},{"text":"The next document along is the Oakview Financial Services Guide.","start":1214.75,"end":1217.775,"sentiment":"neutral","sentiment_score":0.24928524792194368},{"text":"This just essentially updates you on everything about who we are, what we do, and how we do it.","start":1217.775,"end":1222.415,"sentiment":"positive","sentiment_score":0.3413727895209664},{"text":"It has lovely pictures of me inside there, so you can see all of my information.","start":1222.415,"end":1226.255,"sentiment":"positive","sentiment_score":0.6218236349523067},{"text":"And as a licensed adviser, my licensing information there for you as well.","start":1226.255,"end":1230.5951,"sentiment":"neutral","sentiment_score":0.3284634282955757}],"sentiment":"positive","sentiment_score":0.39536780320991904,"num_words":59,"start":1212.91,"end":1230.5951},{"sentences":[{"text":"I'll let yeah.","start":1231.62,"end":1232.3401,"sentiment":"neutral","sentiment_score":-0.013727767625823617},{"text":"I would sort of tell people that when they can be a little bit arduous and boring to read.","start":1232.3401,"end":1235.7001,"sentiment":"neutral","sentiment_score":-0.25286925388009923},{"text":"But if you have trouble sleeping one night, feel free to whip it out and knock you out cold in a few seconds.","start":1235.7001,"end":1239.78,"sentiment":"negative","sentiment_score":-0.37738993828711304},{"text":"That's how boring those legal documents are.","start":1239.78,"end":1242.04,"sentiment":"negative","sentiment_score":-0.35545516439846586},{"text":"There you see.","start":1243.9451,"end":1244.765,"sentiment":"neutral","sentiment_score":0.22937835256258646}],"sentiment":"neutral","sentiment_score":-0.27864943273280834,"num_words":55,"start":1231.62,"end":1244.765},{"sentences":[{"text":"And the last document attached is the ongoing service agreement for the next twelve months there.","start":1244.985,"end":1249.625,"sentiment":"neutral","sentiment_score":0.10900003369897604},{"text":"So, essentially, you are paying 1.65% for our services.","start":1249.625,"end":1253.305,"sentiment":"neutral","sentiment_score":0.12954935845401552},{"text":"That's per year.","start":1253.305,"end":1254.425,"sentiment":"neutral","sentiment_score":0.14951474964618683},{"text":"And then it is deducted in smaller monthly increments over the course of the year.","start":1254.425,"end":1258.53,"sentiment":"neutral","sentiment_score":0.15999894638856252},{"text":"The ongoing service fee allows us to look after your sleep and make monitoring, reinvesting, but also update the advice to make changes to it as needed as well.","start":1258.85,"end":1267.03,"sentiment":"neutral","sentiment_score":0.2754648980395547}],"sentiment":"neutral","sentiment_score":0.1909299340719978,"num_words":72,"start":1244.985,"end":1267.03},{"sentences":[{"text":"And it sort of incorporates the insurance side of things as well for you.","start":1267.49,"end":1271.35,"sentiment":"neutral","sentiment_score":0.2849778096590723},{"text":"With our ongoing service fee, it has always been at 1.65% capped at 600,000.","start":1271.865,"end":1276.905,"sentiment":"neutral","sentiment_score":0.03085662890225649},{"text":"But as of sort of this next year, we're gonna be changing that slightly.","start":1276.905,"end":1280.205,"sentiment":"neutral","sentiment_score":-0.030431907158344984},{"text":"It won't be capped at $6,600,000 anymore.","start":1280.665,"end":1283.465,"sentiment":"neutral","sentiment_score":-0.028491781492318426},{"text":"It will continue up to balances of 2,000,000.","start":1283.465,"end":1285.885,"sentiment":"neutral","sentiment_score":0.07586111128330231}],"sentiment":"neutral","sentiment_score":0.07724705016599935,"num_words":57,"start":1267.49,"end":1285.885},{"sentences":[{"text":"However, we've got more of a tiered structure.","start":1285.9451,"end":1288.56,"sentiment":"neutral","sentiment_score":0.0037925858050584793},{"text":"So when your super balance goes over 200,000, you drop into the next tier, which means it goes from 1.65%.","start":1288.56,"end":1296.26,"sentiment":"neutral","sentiment_score":0.0715203545987606},{"text":"Anything over that 200,000 is then charged at 1.375 percent.","start":1296.96,"end":1301.205,"sentiment":"neutral","sentiment_score":0.024333414062857626},{"text":"And then once your balance hits 500,000, you drop into the next tier and it drops it down even further.","start":1301.6849,"end":1307.385,"sentiment":"neutral","sentiment_score":0.10327068343758583},{"text":"So the idea, yeah, the idea is that the higher your balance goes, the next tier will drop down a little bit lower for you.","start":1307.9249,"end":1315.0449,"sentiment":"neutral","sentiment_score":0.1369447635114193}],"sentiment":"neutral","sentiment_score":0.08666403223592115,"num_words":83,"start":1285.9451,"end":1315.0449},{"sentences":[{"text":"So the percentage is a bit lower, but we're also gonna work it out as a set dollar figure fee.","start":1315.0449,"end":1320.26,"sentiment":"neutral","sentiment_score":0.05368752852082252},{"text":"One of the things that we have sorta had in the past is with a percentage based fee, we're giving you an estimate of how much you're expected to pay for the year, but then it depends upon the market as to how much we actually receive.","start":1320.26,"end":1331.135,"sentiment":"neutral","sentiment_score":0.07220079250475193},{"text":"So there's no real certainty in that for you.","start":1331.135,"end":1333.635,"sentiment":"neutral","sentiment_score":-0.012092459325989088},{"text":"We're going to be as of the new and even this agreement has been set up that way for you.","start":1334.015,"end":1339.375,"sentiment":"neutral","sentiment_score":0.17850361056625844},{"text":"So we've worked it out as a set dollar figure fee.","start":1339.375,"end":1342.175,"sentiment":"neutral","sentiment_score":0.1236024336381392}],"sentiment":"neutral","sentiment_score":0.08680424921075318,"num_words":107,"start":1315.0449,"end":1342.175},{"sentences":[{"text":"We've worked out based on your current balance plus a 5% growth how much you're expected to pay for this year.","start":1342.175,"end":1348.6799,"sentiment":"neutral","sentiment_score":0.13354224250430152},{"text":"So it's $3,408.34.","start":1348.6799,"end":1352.0599,"sentiment":"neutral","sentiment_score":0.1043869877854983},{"text":"That means that that's the only amount you'll pay for the year.","start":1352.36,"end":1354.92,"sentiment":"neutral","sentiment_score":0.13062752907474837},{"text":"If your balance if you receive a 20% return, our fee doesn't keep going up with that 20% return.","start":1354.92,"end":1360.575,"sentiment":"neutral","sentiment_score":0.14991582969301626},{"text":"It gives you more stability, and it gives you more certainty around how much you'll pay.","start":1360.575,"end":1365.1549,"sentiment":"neutral","sentiment_score":0.25164305325597525}],"sentiment":"neutral","sentiment_score":0.16281363410009464,"num_words":71,"start":1342.175,"end":1365.1549},{"sentences":[{"text":"It's set into the hub twenty four super fund as a dollar figure fee.","start":1365.215,"end":1369.395,"sentiment":"neutral","sentiment_score":0.13750627317598887},{"text":"So it essentially means that you're not gonna pay anything more than that.","start":1369.695,"end":1372.975,"sentiment":"neutral","sentiment_score":0.10365778322403248},{"text":"And the idea is that we wanted to make sure that as your balance increases, the fee drops a bit, but that every year you get a lot more certainty around how much you pay for our services as well so that we're a bit clearer with everything if that makes sense.","start":1372.975,"end":1386.52,"sentiment":"neutral","sentiment_score":0.18926483335403296},{"text":"Yeah.","start":1388.26,"end":1388.58,"sentiment":"neutral","sentiment_score":0.04681182652711868},{"text":"Do you have any questions about that?","start":1388.58,"end":1390.26,"sentiment":"neutral","sentiment_score":0.02988418590809618}],"sentiment":"neutral","sentiment_score":0.15368289044448014,"num_words":87,"start":1365.215,"end":1390.26},{"sentences":[{"text":"Does that no?","start":1390.26,"end":1393.345,"sentiment":"neutral","sentiment_score":-0.040117815136909485},{"text":"Yep.","start":1393.8849,"end":1394.3849,"sentiment":"neutral","sentiment_score":0.06825491786003113},{"text":"Beautiful.","start":1394.7649,"end":1395.2649,"sentiment":"positive","sentiment_score":0.6125531196594238},{"text":"Excellent.","start":1397.245,"end":1397.745,"sentiment":"positive","sentiment_score":0.3953519463539123},{"text":"Yeah.","start":1399.245,"end":1399.745,"sentiment":"neutral","sentiment_score":0.047669678926467896}],"sentiment":"neutral","sentiment_score":0.14335374534130096,"num_words":7,"start":1390.26,"end":1399.745},{"sentences":[{"text":"Absolutely.","start":1405.2,"end":1405.7,"sentiment":"neutral","sentiment_score":0.26636984944343567},{"text":"And what I'll do with the advice, I'll go back and review that with you.","start":1405.84,"end":1408.56,"sentiment":"neutral","sentiment_score":0.15416976710160574},{"text":"I'll pop in there.","start":1408.56,"end":1409.2,"sentiment":"neutral","sentiment_score":0.0996686089783907},{"text":"We'll look at the next sort of five to ten years.","start":1409.2,"end":1411.46,"sentiment":"neutral","sentiment_score":0.05741994252259081},{"text":"I try not to sort of over project to to retirement.","start":1411.52,"end":1415.04,"sentiment":"neutral","sentiment_score":-0.06809942119500854}],"sentiment":"neutral","sentiment_score":0.06809801253534499,"num_words":42,"start":1405.2,"end":1415.04},{"sentences":[{"text":"You are still very young.","start":1415.04,"end":1416.16,"sentiment":"neutral","sentiment_score":-0.10841362178325653},{"text":"You put a lot more time on your side, and your life could change very heavily in that.","start":1416.16,"end":1419.605,"sentiment":"neutral","sentiment_score":-0.053227773350146085},{"text":"So we'll look at the projected outcome over the next five to ten years there for you to sort of see where you're tracking and then keep an eye on things for you and reevaluate that advice as we need to moving forward to keep you on track.","start":1419.605,"end":1430.965,"sentiment":"neutral","sentiment_score":0.06234759154419104},{"text":"How does that sound?","start":1430.965,"end":1432.025,"sentiment":"neutral","sentiment_score":0.09191836416721344},{"text":"Yeah.","start":1432.9099,"end":1433.4099,"sentiment":"neutral","sentiment_score":0.30738580226898193}],"sentiment":"neutral","sentiment_score":0.028520731892632812,"num_words":76,"start":1415.04,"end":1433.4099},{"sentences":[{"text":"Beautiful.","start":1434.0299,"end":1434.5299,"sentiment":"positive","sentiment_score":0.6895343065261841},{"text":"Excellent.","start":1434.59,"end":1435.09,"sentiment":"positive","sentiment_score":0.5614935755729675},{"text":"The last document attached there is the TFN opt in form.","start":1435.87,"end":1439.15,"sentiment":"neutral","sentiment_score":0.08709397505630147},{"text":"So we hold your tax phone number.","start":1439.15,"end":1440.75,"sentiment":"neutral","sentiment_score":0.0429821786071573},{"text":"This document is outlining how and why.","start":1440.75,"end":1443.15,"sentiment":"neutral","sentiment_score":0.03735016978212765}],"sentiment":"neutral","sentiment_score":0.10264400172012823,"num_words":27,"start":1434.0299,"end":1443.15},{"sentences":[{"text":"There have definitely been a lot of changes within our industry.","start":1443.15,"end":1445.545,"sentiment":"neutral","sentiment_score":-0.010949547656557777},{"text":"We're just sort of making sure that we're updating all of our records and letting you know what we hold and why.","start":1445.545,"end":1450.685,"sentiment":"neutral","sentiment_score":0.0144283519634469},{"text":"One of the biggest things is, obviously, the cybersecurity issues that have been occurring over the past couple of years.","start":1450.985,"end":1457.385,"sentiment":"neutral","sentiment_score":-0.08493101540952921},{"text":"We've not had any, thankfully.","start":1457.385,"end":1458.5851,"sentiment":"neutral","sentiment_score":-0.18786099851131438},{"text":"We wanna make sure we definitely don't.","start":1458.5851,"end":1460.605,"sentiment":"neutral","sentiment_score":-0.16197995202881948}],"sentiment":"neutral","sentiment_score":-0.05499701916884917,"num_words":65,"start":1443.15,"end":1460.605},{"sentences":[{"text":"So we do make sure to update these documents, let you know what we hold on you, how and why, why it's important to do so, and that's why we do security whenever we call you and you call us.","start":1461.04,"end":1469.92,"sentiment":"neutral","sentiment_score":0.031159967835992574},{"text":"We wanna make sure that your your private information is at the forefront of, you know, protection, and we wanna make sure we hold all of that and secured everything for you.","start":1469.92,"end":1480.2649,"sentiment":"neutral","sentiment_score":0.09479532181285322},{"text":"So we are very security conscious here, and that's why we do the things that we do.","start":1480.2649,"end":1484.5249,"sentiment":"neutral","sentiment_score":0.04196346704574192},{"text":"But that document is outlining why we hold your tax phone number and just making sure you're comfortable with us still doing that.","start":1484.745,"end":1490.23,"sentiment":"neutral","sentiment_score":0.05418923108474068},{"text":"Okay?","start":1490.23,"end":1490.73,"sentiment":"neutral","sentiment_score":0.04555089771747589}],"sentiment":"neutral","sentiment_score":0.05562062976898345,"num_words":113,"start":1461.04,"end":1490.73},{"sentences":[{"text":"Excellent.","start":1492.7899,"end":1493.2899,"sentiment":"positive","sentiment_score":0.339163601398468},{"text":"Fantastic.","start":1493.4299,"end":1493.9299,"sentiment":"positive","sentiment_score":0.3833959102630615},{"text":"I'm just gonna run through this update a couple of additional things there for you.","start":1495.0299,"end":1498.97,"sentiment":"neutral","sentiment_score":0.16043691337108612},{"text":"With your with Confer Your Income, you're on that base of about the 300,000 with your main full time role there at the moment.","start":1499.51,"end":1506.275,"sentiment":"neutral","sentiment_score":0.0629708580672741},{"text":"And you may have mentioned income from your company is about 10,000 per month, but you're not really paying yourself anything out of that.","start":1506.275,"end":1512.995,"sentiment":"neutral","sentiment_score":0.01872807379065004}],"sentiment":"neutral","sentiment_score":0.07830596272027693,"num_words":65,"start":1492.7899,"end":1512.995},{"sentences":[{"text":"That's all staying inside the company.","start":1512.995,"end":1514.595,"sentiment":"neutral","sentiment_score":0.04132829916973909},{"text":"Is that right?","start":1514.595,"end":1515.24,"sentiment":"neutral","sentiment_score":0.04545742770036062},{"text":"Yeah.","start":1517.16,"end":1517.64,"sentiment":"neutral","sentiment_score":0.14169684052467346},{"text":"Beautiful.","start":1517.64,"end":1518.14,"sentiment":"neutral","sentiment_score":0.2395937442779541},{"text":"And so employer contributions, will that just be based on the $300,000 base income from your full time role?","start":1518.2,"end":1524.84,"sentiment":"neutral","sentiment_score":0.07045428003919751}],"sentiment":"neutral","sentiment_score":0.07014213278889656,"num_words":30,"start":1512.995,"end":1524.84},{"sentences":[{"text":"Is that right?","start":1524.84,"end":1525.74,"sentiment":"neutral","sentiment_score":0.05815207834045092},{"text":"Okay.","start":1530.8351,"end":1531.3351,"sentiment":"neutral","sentiment_score":0.06066913902759552},{"text":"Including super.","start":1534.755,"end":1535.795,"sentiment":"neutral","sentiment_score":0.07097442261874676},{"text":"Yeah.","start":1535.795,"end":1536.035,"sentiment":"neutral","sentiment_score":0.0784972533583641},{"text":"I can do the math for you.","start":1536.035,"end":1537.155,"sentiment":"neutral","sentiment_score":0.09927374230963844}],"sentiment":"neutral","sentiment_score":0.08217769062944821,"num_words":14,"start":1524.84,"end":1537.155},{"sentences":[{"text":"Don't worry.","start":1537.155,"end":1537.635,"sentiment":"neutral","sentiment_score":0.15754321217536926},{"text":"That's not a problem.","start":1537.635,"end":1538.6951,"sentiment":"neutral","sentiment_score":0.2630886845290661},{"text":"Easy.","start":1539.3151,"end":1539.8151,"sentiment":"positive","sentiment_score":0.575278639793396},{"text":"Yeah.","start":1541.7151,"end":1542.2151,"sentiment":"neutral","sentiment_score":0.2415989637374878},{"text":"And you're not making any additional contributions over and above the employer side of it.","start":1542.675,"end":1546.86,"sentiment":"neutral","sentiment_score":0.12584451884031295}],"sentiment":"neutral","sentiment_score":0.1770428934175035,"num_words":23,"start":1537.155,"end":1546.86},{"sentences":[{"text":"Are you sorta happy to not worry about that at the moment?","start":1546.86,"end":1549.26,"sentiment":"neutral","sentiment_score":0.21351711948712668},{"text":"Is it something you wanna look at down the track?","start":1549.26,"end":1551.4401,"sentiment":"neutral","sentiment_score":0.12294514738023281},{"text":"Yep.","start":1561.18,"end":1561.605,"sentiment":"neutral","sentiment_score":0.12253325432538986},{"text":"Yep.","start":1571.9249,"end":1572.4249,"sentiment":"neutral","sentiment_score":0.11043219268321992},{"text":"Yeah.","start":1574.69,"end":1574.85,"sentiment":"neutral","sentiment_score":0.15548807382583618}],"sentiment":"neutral","sentiment_score":0.16720441713929177,"num_words":25,"start":1546.86,"end":1574.85},{"sentences":[{"text":"That's okay.","start":1574.85,"end":1575.41,"sentiment":"neutral","sentiment_score":0.23113912343978882},{"text":"So there are definitely ways to do, like, voluntary deductible contributions where if you put 10,000 in by, say, the end of June next year, then you can claim that 10,000 back on your, sort of, taxable income to help reduce your in your assessable income.","start":1575.41,"end":1590.39,"sentiment":"neutral","sentiment_score":0.16736885791887407},{"text":"It does sort of come down to what's gonna be more tax effective for you.","start":1590.975,"end":1594.895,"sentiment":"neutral","sentiment_score":0.1058994765082995},{"text":"And, realistically, what you could do, depending on how you start to wanna look at it, I could make a recommendation based on your current income on what to put in as deductible contribution and how that might look for you.","start":1594.895,"end":1606.355,"sentiment":"neutral","sentiment_score":0.09948404414988146},{"text":"But I'm not able to see sort of your overall tax situation.","start":1606.95,"end":1610.33,"sentiment":"neutral","sentiment_score":-0.2111977475384871}],"sentiment":"neutral","sentiment_score":0.09736388533151355,"num_words":116,"start":1574.85,"end":1610.33},{"sentences":[{"text":"It's more of your accountant's area.","start":1610.5499,"end":1612.4099,"sentiment":"neutral","sentiment_score":-0.08360516900817554},{"text":"Otherwise, you can if you're comfortable, you can always speak to your account at the end of the financial year, say, maybe early June next year, and get them to tell you what sort of contribution would be more tax effective for you based on your current circumstances.","start":1612.95,"end":1625.455,"sentiment":"neutral","sentiment_score":0.11897763516753912},{"text":"It's up to you how you'd like to sort of proceed and and look at it.","start":1626.075,"end":1629.4349,"sentiment":"neutral","sentiment_score":0.10050465352833271},{"text":"I'm happy to sort of factor in a recommendation to maximize contributions if you'd like to.","start":1629.4349,"end":1634.66,"sentiment":"positive","sentiment_score":0.509091867133975},{"text":"But I'm very limited to how much of your tax situation I can take into account for you.","start":1634.88,"end":1639.52,"sentiment":"neutral","sentiment_score":-0.14064928537441623}],"sentiment":"neutral","sentiment_score":0.11953031411394477,"num_words":104,"start":1610.5499,"end":1639.52},{"sentences":[{"text":"Does that make sense?","start":1639.52,"end":1640.66,"sentiment":"neutral","sentiment_score":0.060472315177321434},{"text":"Yeah.","start":1641.2,"end":1641.7,"sentiment":"neutral","sentiment_score":0.13152983784675598},{"text":"Yes.","start":1649.0951,"end":1649.5951,"sentiment":"neutral","sentiment_score":0.21274298429489136},{"text":"Yeah.","start":1651.3351,"end":1651.7351,"sentiment":"positive","sentiment_score":0.34652262926101685},{"text":"Absolutely.","start":1651.7351,"end":1652.2351,"sentiment":"neutral","sentiment_score":0.3302761912345886}],"sentiment":"neutral","sentiment_score":0.15787011291831732,"num_words":8,"start":1639.52,"end":1652.2351},{"sentences":[{"text":"If you like, what do you have access to your myGov account at all?","start":1652.6951,"end":1656.555,"sentiment":"neutral","sentiment_score":0.10960709835801806},{"text":"Yeah.","start":1658.48,"end":1658.8,"sentiment":"neutral","sentiment_score":0.12807700037956238},{"text":"If I can, after the call, send you an email just directing you how to get your carry forward and catch up contributions, if you're able to obtain that sort of thing for me, I could, as part of the recommendations, look at maybe what we're projecting based on your current income circumstances and just make a recommendation on deductible contributions and how to put them in effectively and what sort of what I can do with regard to meeting your goals and, you know, building super as much as possible.","start":1658.8,"end":1686.7949,"sentiment":"neutral","sentiment_score":0.24324407559502256},{"text":"But because you are on such a high income, maybe also looking at utilizing catch up contributions if you wanted me to.","start":1686.7949,"end":1692.79,"sentiment":"neutral","sentiment_score":0.1514175341210582},{"text":"Does that sound okay?","start":1692.79,"end":1693.85,"sentiment":"neutral","sentiment_score":0.11292924918234348}],"sentiment":"neutral","sentiment_score":0.20894462124190546,"num_words":132,"start":1652.6951,"end":1693.85},{"sentences":[{"text":"Yeah.","start":1695.67,"end":1696.15,"sentiment":"neutral","sentiment_score":0.0985705703496933},{"text":"Beautiful.","start":1696.15,"end":1696.65,"sentiment":"positive","sentiment_score":0.6283389329910278},{"text":"Excellent.","start":1696.9501,"end":1697.4501,"sentiment":"positive","sentiment_score":0.5939874649047852},{"text":"And because you are on such a high income, last year, did your accountant ever flag or have they sort of flagged anything about the DIF two nine three tax at all?","start":1697.51,"end":1708.785,"sentiment":"neutral","sentiment_score":0.05585684336256236},{"text":"Has anyone ever sort of flagged that?","start":1708.785,"end":1710.8049,"sentiment":"neutral","sentiment_score":-0.005227620314274516}],"sentiment":"neutral","sentiment_score":0.07313625270589477,"num_words":42,"start":1695.67,"end":1710.8049},{"sentences":[{"text":"Have have you done your tax return for last financial year as of yet?","start":1713.505,"end":1717.98,"sentiment":"neutral","sentiment_score":-0.025296510197222233},{"text":"Yeah.","start":1725.26,"end":1725.74,"sentiment":"neutral","sentiment_score":0.006837531924247742},{"text":"No.","start":1725.74,"end":1725.98,"sentiment":"neutral","sentiment_score":-0.06671842932701111},{"text":"That's okay.","start":1725.98,"end":1726.7999,"sentiment":"neutral","sentiment_score":0.021811043843626976},{"text":"If you can just maybe double check that with your account as well because your income is quite high.","start":1727.4199,"end":1732.155,"sentiment":"neutral","sentiment_score":-0.001267015149718836}],"sentiment":"neutral","sentiment_score":-0.010661709197872394,"num_words":37,"start":1713.505,"end":1732.155},{"sentences":[{"text":"If you are earning over 250,000, including contributions, you can be eligible for what's called div two nine three tax, which is an additional tax, and they charge additional tax on your super contributions there as well.","start":1732.155,"end":1746.0,"sentiment":"neutral","sentiment_score":0.028653730109736725},{"text":"So, yeah, just maybe have it checked to your account and then get him to check your tax return for the last year, find out whether you were eligible or whether you were technically or are going to have to pay that additional tax there.","start":1746.96,"end":1758.165,"sentiment":"neutral","sentiment_score":0.04967331166068713},{"text":"When it comes to that additional tax, the ATO just send you a letter saying, how do you wanna pay this?","start":1758.7251,"end":1763.525,"sentiment":"neutral","sentiment_score":0.13125042085136687},{"text":"You can have it drawn out of your super, or you can pay it personally depending on your circumstances there.","start":1763.525,"end":1769.285,"sentiment":"neutral","sentiment_score":0.08180085700005293},{"text":"So, this is something I wanted to quickly flag with your income being so high, you're working your butt off.","start":1769.285,"end":1775.19,"sentiment":"neutral","sentiment_score":0.12524215849116443}],"sentiment":"neutral","sentiment_score":0.07127696633912049,"num_words":143,"start":1732.155,"end":1775.19},{"sentences":[{"text":"Just maybe flag that with your accountant to get him to have a look at whether that is something that you will have to consider paying and how that affects you.","start":1775.19,"end":1783.2899,"sentiment":"neutral","sentiment_score":0.09325007385303898},{"text":"That's the other side of this is if we do make, you know, additional contributions in the super, when you are liable for that div two nine three tax, the contributions that go into super are technically taxed at 15%.","start":1783.6699,"end":1800.505,"sentiment":"neutral","sentiment_score":0.11447194945067167},{"text":"With that div two nine three tax, essentially, you the ATO tax is another 15% on top of that.","start":1800.84,"end":1807.58,"sentiment":"neutral","sentiment_score":0.14340235567406603},{"text":"Do you feel like if I was to make a recommendation on additional contributions that even if you were eligible for that div two nine three, it would still be I mean, realistically, it's lower than your marginal tax rate is, so it does provide a benefit to you.","start":1807.72,"end":1821.985,"sentiment":"neutral","sentiment_score":0.2664015537926129},{"text":"But do you feel like that would still be appropriate?","start":1822.365,"end":1824.605,"sentiment":"neutral","sentiment_score":0.1336670584976673}],"sentiment":"neutral","sentiment_score":0.16499746138317473,"num_words":149,"start":1775.19,"end":1824.605},{"sentences":[{"text":"You sorta wouldn't worry too much if you had to pay additional tax from there knowing it is less than your current marginal tax rate, or would you be more less inclined to wanna make additional contributions in that circumstance?","start":1824.605,"end":1835.53,"sentiment":"neutral","sentiment_score":-0.026873312797397374},{"text":"Yeah.","start":1843.67,"end":1844.17,"sentiment":"neutral","sentiment_score":0.1367427110671997},{"text":"So yes.","start":1850.755,"end":1851.5549,"sentiment":"neutral","sentiment_score":0.08157183229923248},{"text":"So sorry.","start":1851.5549,"end":1852.115,"sentiment":"neutral","sentiment_score":-0.022202979773283005},{"text":"I think I missed that.","start":1852.115,"end":1853.075,"sentiment":"neutral","sentiment_score":-0.21933011710643768}],"sentiment":"neutral","sentiment_score":-0.03832205362617969,"num_words":50,"start":1824.605,"end":1853.075},{"sentences":[{"text":"The phone just cut out of me.","start":1853.075,"end":1854.4349,"sentiment":"negative","sentiment_score":-0.5214168429374695},{"text":"You mentioned that you would be keen to continue to put money into so far, or you'd be sort of wanting to keep it more in your back pocket.","start":1854.4349,"end":1861.65,"sentiment":"neutral","sentiment_score":-0.020601263719386066},{"text":"Is that right?","start":1862.27,"end":1863.15,"sentiment":"neutral","sentiment_score":0.009393427210549513},{"text":"Sorry.","start":1863.15,"end":1863.65,"sentiment":"neutral","sentiment_score":-0.03480406850576401},{"text":"Yeah.","start":1879.9651,"end":1880.4651,"sentiment":"neutral","sentiment_score":0.06415805965662003}],"sentiment":"neutral","sentiment_score":-0.10219073843029214,"num_words":41,"start":1853.075,"end":1880.4651},{"sentences":[{"text":"I mean yeah.","start":1880.765,"end":1882.765,"sentiment":"neutral","sentiment_score":0.012713258465131124},{"text":"I mean, realistically, the the the d $59.03, like, it is an extra 15% tax on top of your super contributions in super there.","start":1882.765,"end":1890.8301,"sentiment":"neutral","sentiment_score":0.051090315993254386},{"text":"But, theoretically, if you're on a 47% tax bracket, you're still technically saving on on the tax side of things.","start":1891.3701,"end":1897.29,"sentiment":"neutral","sentiment_score":0.11994777787476778},{"text":"It's 30% in super instead of 47% in your own name.","start":1897.29,"end":1900.5651,"sentiment":"neutral","sentiment_score":0.04130956886166876},{"text":"So there's yeah.","start":1900.5651,"end":1903.305,"sentiment":"neutral","sentiment_score":0.03719598986208439}],"sentiment":"neutral","sentiment_score":0.0693320679310404,"num_words":61,"start":1880.765,"end":1903.305},{"sentences":[{"text":"There are sort of advantages and disadvantages to both.","start":1903.925,"end":1906.985,"sentiment":"neutral","sentiment_score":-0.028265757693184748},{"text":"But if you like, as part of the overall strategy, I can have a look at that.","start":1907.285,"end":1910.645,"sentiment":"neutral","sentiment_score":0.04156524425043779},{"text":"I can work out whether making additional contributions is gonna provide any greater benefit to you, and I can make a recommendation if I feel it's suitable to do so.","start":1910.645,"end":1919.71,"sentiment":"neutral","sentiment_score":0.12650812243421872},{"text":"If I don't think it's suitable, then I probably just won't.","start":1919.85,"end":1922.65,"sentiment":"neutral","sentiment_score":-0.3209189352664081},{"text":"I'll let you know that it's not really gonna work out for you.","start":1922.65,"end":1925.47,"sentiment":"neutral","sentiment_score":-0.25130265148786396}],"sentiment":"neutral","sentiment_score":-0.031869771890342236,"num_words":80,"start":1903.925,"end":1925.47},{"sentences":[{"text":"But I'm happy to have a look at it if you're happy for me to do so.","start":1926.09,"end":1930.085,"sentiment":"neutral","sentiment_score":0.27397440812167},{"text":"Is that okay?","start":1930.085,"end":1930.905,"sentiment":"neutral","sentiment_score":0.13464340070883432},{"text":"Yeah.","start":1932.805,"end":1933.305,"sentiment":"neutral","sentiment_score":0.06198457255959511},{"text":"It's kind of a double edged sword tax, isn't it?","start":1933.765,"end":1936.005,"sentiment":"neutral","sentiment_score":-0.18057197853922843},{"text":"You kinda wanna work hard, make a lot of money, but then they take most of it.","start":1936.005,"end":1940.645,"sentiment":"neutral","sentiment_score":-0.32009223454138813}],"sentiment":"neutral","sentiment_score":-0.04424600124669572,"num_words":48,"start":1926.09,"end":1940.645},{"sentences":[{"text":"It's shocking.","start":1940.645,"end":1941.305,"sentiment":"negative","sentiment_score":-0.6171854734420776},{"text":"Yeah.","start":1946.22,"end":1946.54,"sentiment":"neutral","sentiment_score":0.21291711926460263},{"text":"That's exactly right.","start":1946.54,"end":1947.9,"sentiment":"positive","sentiment_score":0.48829056819279987},{"text":"So absolutely.","start":1947.9,"end":1948.7999,"sentiment":"positive","sentiment_score":0.5358476340770721},{"text":"Perfect.","start":1948.94,"end":1949.26,"sentiment":"neutral","sentiment_score":0.02095116674900055}],"sentiment":"neutral","sentiment_score":0.1706738124291102,"num_words":9,"start":1940.645,"end":1949.26},{"sentences":[{"text":"Well, after the call, I'll send you an email just getting your carry full catch up contributions there for you.","start":1949.26,"end":1954.24,"sentiment":"neutral","sentiment_score":0.06662216540426016},{"text":"I might also just ask you to check with your accountant and just reconfirm your total taxable income between your business and also your employer just so I can kind of get an a gauge on what that might look like and be able to look at the circumstances as a whole for you.","start":1954.38,"end":1970.51,"sentiment":"neutral","sentiment_score":0.08636708067799057},{"text":"Okay?","start":1970.5701,"end":1971.0701,"sentiment":"neutral","sentiment_score":0.06736216694116592},{"text":"Excellent.","start":1972.25,"end":1972.75,"sentiment":"positive","sentiment_score":0.6372547149658203},{"text":"Goals wise, we're we were looking at you were hoping to access super around at the age 65.","start":1974.0901,"end":1979.4501,"sentiment":"neutral","sentiment_score":0.17658865741557545}],"sentiment":"neutral","sentiment_score":0.10510083383068125,"num_words":94,"start":1949.26,"end":1979.4501},{"sentences":[{"text":"Is that still your goal for accessing super?","start":1979.4501,"end":1981.6101,"sentiment":"neutral","sentiment_score":0.11478284187614918},{"text":"Are you wanting to access super earlier?","start":1981.6101,"end":1983.53,"sentiment":"neutral","sentiment_score":0.04588151457054274},{"text":"What's your thoughts on that now?","start":1983.53,"end":1986.875,"sentiment":"neutral","sentiment_score":0.12717008932183185},{"text":"Yeah.","start":1988.775,"end":1989.275,"sentiment":"neutral","sentiment_score":-0.019449884071946144},{"text":"Yep.","start":1995.6549,"end":1996.1549,"sentiment":"neutral","sentiment_score":0.0870589017868042}],"sentiment":"neutral","sentiment_score":0.0900027343760366,"num_words":23,"start":1979.4501,"end":1996.1549},{"sentences":[{"text":"60.","start":1996.41,"end":1996.81,"sentiment":"neutral","sentiment_score":0.09743878990411758},{"text":"That's okay.","start":1996.81,"end":1997.61,"sentiment":"neutral","sentiment_score":0.3176741302013397},{"text":"I can definitely have a look at that for you.","start":1997.61,"end":1999.85,"sentiment":"positive","sentiment_score":0.3976673364639282},{"text":"I'll update your retirement goal to the age of 60.","start":1999.85,"end":2002.51,"sentiment":"neutral","sentiment_score":0.24421663731336593},{"text":"I mean, there's definitely no harm in looking to try and retire earlier.","start":2002.5701,"end":2006.43,"sentiment":"neutral","sentiment_score":0.24052133353856894}],"sentiment":"neutral","sentiment_score":0.2855112256689204,"num_words":36,"start":1996.41,"end":2006.43},{"sentences":[{"text":"You know, say, 60, then you get to 60 and go, nah.","start":2007.37,"end":2010.0901,"sentiment":"neutral","sentiment_score":0.14215599310894808},{"text":"Cool.","start":2010.0901,"end":2010.3301,"sentiment":"positive","sentiment_score":0.39831310510635376},{"text":"I wanna keep working a little bit longer.","start":2010.3301,"end":2012.11,"sentiment":"neutral","sentiment_score":0.22946573793888092},{"text":"You the option to do so.","start":2012.175,"end":2013.635,"sentiment":"neutral","sentiment_score":0.16397124032179514},{"text":"So I'll update that, and we'll look at them trying to meet your goal a little bit earlier.","start":2013.935,"end":2018.0951,"sentiment":"neutral","sentiment_score":0.21048478368255827}],"sentiment":"neutral","sentiment_score":0.19361032164759107,"num_words":45,"start":2007.37,"end":2018.0951},{"sentences":[{"text":"It's absolutely fine.","start":2018.0951,"end":2018.9751,"sentiment":"positive","sentiment_score":0.38255466024080914},{"text":"It still does mean you have about twenty four years before accessing super, but, realistically, it's not a bad goal to have.","start":2018.9751,"end":2025.3099,"sentiment":"neutral","sentiment_score":0.23079825565218925},{"text":"I'd love to retire at 62.","start":2025.3099,"end":2026.9099,"sentiment":"positive","sentiment_score":0.33613981306552887},{"text":"I think it'd be a great time.","start":2026.9099,"end":2028.69,"sentiment":"neutral","sentiment_score":0.28299494087696075},{"text":"Excellent.","start":2032.75,"end":2033.25,"sentiment":"neutral","sentiment_score":0.3202742338180542}],"sentiment":"neutral","sentiment_score":0.2703411103441165,"num_words":39,"start":2018.0951,"end":2033.25},{"sentences":[{"text":"Yep.","start":2033.3899,"end":2033.8899,"sentiment":"neutral","sentiment_score":0.16904398798942566},{"text":"In retirement there, I had down here that you were sort of hoping to draw about $1,500 per year in so it's $1,500 per week in income.","start":2034.11,"end":2041.625,"sentiment":"neutral","sentiment_score":0.059586177545565146},{"text":"Do you feel like that's still fairly appropriate for when you get to that point?","start":2041.625,"end":2045.645,"sentiment":"neutral","sentiment_score":0.08641386156280835},{"text":"Work on that in today's dollars?","start":2052.585,"end":2054.025,"sentiment":"neutral","sentiment_score":0.07613381370902061},{"text":"Yeah.","start":2054.025,"end":2054.525,"sentiment":"neutral","sentiment_score":0.08399508893489838}],"sentiment":"neutral","sentiment_score":0.07229753352701664,"num_words":50,"start":2033.3899,"end":2054.525},{"sentences":[{"text":"Absolutely.","start":2054.71,"end":2055.21,"sentiment":"positive","sentiment_score":0.38826316595077515},{"text":"Fantastic.","start":2055.83,"end":2056.33,"sentiment":"positive","sentiment_score":0.7037297487258911},{"text":"Assets wise, I have your main primary residence down with an asset value of 1,200,000.","start":2057.75,"end":2063.1301,"sentiment":"neutral","sentiment_score":0.17055184543132781},{"text":"What sort of value would you put on that now, do you think?","start":2063.6702,"end":2066.1702,"sentiment":"neutral","sentiment_score":0.07014817486588772},{"text":"Yep.","start":2073.045,"end":2073.545,"sentiment":"neutral","sentiment_score":0.0004038450715597719}],"sentiment":"neutral","sentiment_score":0.14718066820886075,"num_words":31,"start":2054.71,"end":2073.545},{"sentences":[{"text":"That's okay.","start":2074.2449,"end":2075.145,"sentiment":"neutral","sentiment_score":0.1346719041466713},{"text":"And I've got down here the debt value on the property.","start":2075.525,"end":2078.325,"sentiment":"neutral","sentiment_score":0.01310614598068324},{"text":"So I'm mortgage owing of 830,000.","start":2078.325,"end":2081.21,"sentiment":"neutral","sentiment_score":0.004253982566297054},{"text":"Have you reduced that a little bit?","start":2081.21,"end":2082.99,"sentiment":"neutral","sentiment_score":-0.010156662602509772},{"text":"$8.20?","start":2086.49,"end":2087.23,"sentiment":"neutral","sentiment_score":-0.02667229250073433}],"sentiment":"neutral","sentiment_score":0.012639495509642142,"num_words":27,"start":2074.2449,"end":2087.23},{"sentences":[{"text":"Yeah.","start":2087.77,"end":2088.17,"sentiment":"neutral","sentiment_score":0.061995964497327805},{"text":"That's okay.","start":2088.17,"end":2088.99,"sentiment":"neutral","sentiment_score":0.1263386309146881},{"text":"I also have your car down here with a value of 60,000.","start":2089.69,"end":2092.97,"sentiment":"neutral","sentiment_score":0.055007206896940865},{"text":"What kind of car do you drive?","start":2092.97,"end":2094.43,"sentiment":"neutral","sentiment_score":0.016413712741008828},{"text":"Yep.","start":2099.7952,"end":2100.2952,"sentiment":"neutral","sentiment_score":0.02667364478111267}],"sentiment":"neutral","sentiment_score":0.04853605839383343,"num_words":23,"start":2087.77,"end":2100.2952},{"sentences":[{"text":"15.","start":2101.475,"end":2101.975,"sentiment":"neutral","sentiment_score":0.038939084857702255},{"text":"Yep.","start":2102.0352,"end":2102.435,"sentiment":"neutral","sentiment_score":0.0862947404384613},{"text":"Beautiful.","start":2102.435,"end":2102.835,"sentiment":"positive","sentiment_score":0.34881865978240967},{"text":"And you have no debt on the vehicle owned outright?","start":2102.835,"end":2105.335,"sentiment":"neutral","sentiment_score":0.09299341402947903},{"text":"Beautiful.","start":2107.97,"end":2108.47,"sentiment":"positive","sentiment_score":0.34366375207901}],"sentiment":"neutral","sentiment_score":0.12483216981802668,"num_words":14,"start":2101.475,"end":2108.47},{"sentences":[{"text":"I don't have any other assets or liabilities noted down.","start":2109.0898,"end":2111.89,"sentiment":"neutral","sentiment_score":0.01547609530389309},{"text":"Do you have any other personal loans, credit cards, or assets, anything else that I should probably note here on here of value?","start":2111.89,"end":2117.5898,"sentiment":"neutral","sentiment_score":0.01732757408171892},{"text":"Yep.","start":2124.465,"end":2124.965,"sentiment":"neutral","sentiment_score":0.024940405040979385},{"text":"Yep.","start":2125.5051,"end":2126.0051,"sentiment":"neutral","sentiment_score":0.023736964911222454},{"text":"There's a limit to that 15,000 that you pay it down every the end of every month.","start":2126.065,"end":2130.165,"sentiment":"neutral","sentiment_score":0.0000994109603412011}],"sentiment":"neutral","sentiment_score":0.011608894484547468,"num_words":52,"start":2109.0898,"end":2130.165},{"sentences":[{"text":"Yep.","start":2131.2651,"end":2131.7651,"sentiment":"neutral","sentiment_score":0.06311748921871185},{"text":"Beautiful.","start":2132.065,"end":2132.565,"sentiment":"positive","sentiment_score":0.5263181328773499},{"text":"Fantastic.","start":2132.7852,"end":2133.2852,"sentiment":"positive","sentiment_score":0.5230463147163391},{"text":"And I've got down here that you've got one son.","start":2134.68,"end":2137.0798,"sentiment":"neutral","sentiment_score":0.1444920651614666},{"text":"He's nine or 10 years of age.","start":2137.0798,"end":2139.32,"sentiment":"neutral","sentiment_score":0.0668586939573288}],"sentiment":"neutral","sentiment_score":0.1512706723064184,"num_words":20,"start":2131.2651,"end":2139.32},{"sentences":[{"text":"Is that right?","start":2139.32,"end":2139.96,"sentiment":"neutral","sentiment_score":0.07207733144362767},{"text":"One dependent?","start":2139.96,"end":2140.7,"sentiment":"neutral","sentiment_score":0.028611156158149242},{"text":"Oh, it's a gorgeous age.","start":2142.3198,"end":2145.9,"sentiment":"neutral","sentiment_score":0.23289092779159545},{"text":"Yeah.","start":2148.76,"end":2149.26,"sentiment":"neutral","sentiment_score":0.14342641830444336},{"text":"Absolutely.","start":2150.445,"end":2150.945,"sentiment":"neutral","sentiment_score":0.22850149869918823}],"sentiment":"neutral","sentiment_score":0.15081973855073252,"num_words":12,"start":2139.32,"end":2150.945},{"sentences":[{"text":"And that is his name's Reuben.","start":2151.5652,"end":2153.405,"sentiment":"neutral","sentiment_score":0.11993083978692691},{"text":"Is that right?","start":2153.405,"end":2154.225,"sentiment":"neutral","sentiment_score":0.11209553728501002},{"text":"Yeah.","start":2155.725,"end":2156.225,"sentiment":"neutral","sentiment_score":0.0335814543068409},{"text":"So just to kind of talk a bit more about your beneficiary side of things as well.","start":2156.445,"end":2160.2852,"sentiment":"neutral","sentiment_score":0.146659015732653},{"text":"So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur.","start":2160.2852,"end":2167.34,"sentiment":"neutral","sentiment_score":0.27625747080202456}],"sentiment":"neutral","sentiment_score":0.2044742237776518,"num_words":54,"start":2151.5652,"end":2167.34},{"sentences":[{"text":"Is that right?","start":2167.34,"end":2168.24,"sentiment":"neutral","sentiment_score":0.2719546506802241},{"text":"Yep.","start":2169.74,"end":2170.22,"sentiment":"positive","sentiment_score":0.37290769815444946},{"text":"Perfect.","start":2170.38,"end":2170.78,"sentiment":"positive","sentiment_score":0.6910867691040039},{"text":"I'm just having a quick look at your life insurance as well.","start":2170.78,"end":2172.78,"sentiment":"positive","sentiment_score":0.39431621382633847},{"text":"It's also got Reuben down there.","start":2172.78,"end":2174.56,"sentiment":"neutral","sentiment_score":0.2615879724423091}],"sentiment":"positive","sentiment_score":0.3557035139073496,"num_words":23,"start":2167.34,"end":2174.56},{"sentences":[{"text":"So, realistically, because he is under 18, he is still a minor and a dependent of yours.","start":2174.645,"end":2180.665,"sentiment":"neutral","sentiment_score":0.22359749850104838},{"text":"If anything was to happen till you say you were to pass away, those proceeds can be paid to him.","start":2181.125,"end":2186.825,"sentiment":"neutral","sentiment_score":0.22791924588382245},{"text":"However, because he is a minor, they're not paid directly to him.","start":2187.525,"end":2191.0198,"sentiment":"neutral","sentiment_score":-0.07231639123832186},{"text":"They do go through the guardian.","start":2191.0198,"end":2192.64,"sentiment":"neutral","sentiment_score":-0.004575510819753011},{"text":"So, realistically, if you were to pass away, who would be his guardian, and do you feel comfortable having those proceeds paid through that person to him to make sure he gets the funds.","start":2193.0198,"end":2203.9548,"sentiment":"neutral","sentiment_score":0.09996262083158773}],"sentiment":"neutral","sentiment_score":0.1220564240526952,"num_words":89,"start":2174.645,"end":2203.9548},{"sentences":[{"text":"Yeah.","start":2213.135,"end":2213.4548,"sentiment":"neutral","sentiment_score":0.013138942420482635},{"text":"So as part of your estate planning, if you do a will power of attorney, you can also have a guardianship document done up, which basically notes that you are directing someone to become his guardian in the event that you passed away, and then the funds can be paid directly to them.","start":2213.4548,"end":2230.165,"sentiment":"neutral","sentiment_score":0.06955169317013812},{"text":"This is the money isn't paid directly to a minor.","start":2230.305,"end":2232.625,"sentiment":"neutral","sentiment_score":0.011780406907200813},{"text":"It normally goes through the guardian.","start":2232.625,"end":2234.085,"sentiment":"neutral","sentiment_score":0.027613770837585132},{"text":"And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, and it might not be the person that you wanted to go through.","start":2234.545,"end":2244.06,"sentiment":"neutral","sentiment_score":0.006623049027153424}],"sentiment":"neutral","sentiment_score":0.04013973419510183,"num_words":105,"start":2213.135,"end":2244.06},{"sentences":[{"text":"So directing that money to who you want it to be is the most important aspect.","start":2244.06,"end":2247.84,"sentiment":"neutral","sentiment_score":0.21554766781628132},{"text":"In saying that, we hope nothing happens.","start":2248.14,"end":2250.06,"sentiment":"neutral","sentiment_score":0.02873871475458145},{"text":"I want you to get to your retirement years and enjoy all this money.","start":2250.06,"end":2253.2,"sentiment":"neutral","sentiment_score":0.1947266427533967},{"text":"But if you were to pass away and he he was over 18 at that time, then he can have the funds paid directly through him still.","start":2253.705,"end":2260.5051,"sentiment":"neutral","sentiment_score":-0.031972757506149786},{"text":"He is still a dependent sorry.","start":2260.5051,"end":2263.0652,"sentiment":"neutral","sentiment_score":-0.1285773701965809}],"sentiment":"neutral","sentiment_score":0.0677339716149228,"num_words":70,"start":2244.06,"end":2263.0652},{"sentences":[{"text":"He's still a a beneficiary under the SIS Act.","start":2263.0652,"end":2265.5452,"sentiment":"neutral","sentiment_score":0.23112659653027853},{"text":"He's just he's a nontax dependent over the age of 18.","start":2265.5452,"end":2268.8699,"sentiment":"neutral","sentiment_score":0.15692352706735785},{"text":"So, realistically, the the beneficiary is exactly fine the way it is.","start":2268.8699,"end":2273.77,"sentiment":"positive","sentiment_score":0.564231896152099},{"text":"It's just about making sure that things are directed as per your wishes.","start":2273.99,"end":2277.69,"sentiment":"positive","sentiment_score":0.5597671476694254},{"text":"There is another way that you can have your beneficiary updated if you wanted to, and that's essentially I reckon that's essentially nominating legal personal representative, which means that everything gets paid to your estate.","start":2278.31,"end":2289.655,"sentiment":"positive","sentiment_score":0.4003909187657492}],"sentiment":"positive","sentiment_score":0.3983466999605298,"num_words":80,"start":2263.0652,"end":2289.655},{"sentences":[{"text":"And then having a minor child, you can always have, like, a a trust set up through through your estate planning through your will and have everything paid out by the trust.","start":2289.955,"end":2300.1301,"sentiment":"positive","sentiment_score":0.35929793678224087},{"text":"And it kinda gives you a lot more direction there as well.","start":2300.1301,"end":2302.53,"sentiment":"positive","sentiment_score":0.574709564447403},{"text":"So you can hold money back until certain ages or have it paid out little bits at a time in increments or have it all paid out as a lump sum at a certain point in time.","start":2302.53,"end":2310.895,"sentiment":"positive","sentiment_score":0.37743584046492706},{"text":"So it just gives you a lot more control and certainty around doing it.","start":2310.895,"end":2314.835,"sentiment":"positive","sentiment_score":0.4936309499400003},{"text":"But your beneficiary nomination, the way it's set up, is absolutely fine.","start":2314.895,"end":2318.2551,"sentiment":"positive","sentiment_score":0.6383272012074789}],"sentiment":"positive","sentiment_score":0.43859751926404295,"num_words":107,"start":2289.955,"end":2318.2551},{"sentences":[{"text":"It's just noting that he wouldn't receive the lump sum.","start":2318.2551,"end":2320.915,"sentiment":"neutral","sentiment_score":0.2090417891740799},{"text":"It would be applied for through his guardian and then paid to his guardian to be held in trust for him at a later time.","start":2321.27,"end":2329.67,"sentiment":"neutral","sentiment_score":0.18414858490228653},{"text":"Does that make sense?","start":2329.67,"end":2330.63,"sentiment":"neutral","sentiment_score":0.1580960527062416},{"text":"Yeah.","start":2330.63,"end":2331.13,"sentiment":"neutral","sentiment_score":0.14877822995185852},{"text":"Do you have a will and power of attorney done up?","start":2332.71,"end":2335.665,"sentiment":"neutral","sentiment_score":0.037402922118251976}],"sentiment":"neutral","sentiment_score":0.15464170781128547,"num_words":51,"start":2318.2551,"end":2335.665},{"sentences":[{"text":"We can't do them because we're not solicitors, but we do have some information on a local solicitor I can send to you if you like just with a bit of a costing and some information on who they are.","start":2341.185,"end":2350.8,"sentiment":"neutral","sentiment_score":0.025627283565700053},{"text":"We can always refer you through to to them if you'd like.","start":2351.04,"end":2354.26,"sentiment":"neutral","sentiment_score":0.18126943334937096},{"text":"The other option is all the states do have, like, their public trustees who can set up wills and things for you as well.","start":2354.8,"end":2361.04,"sentiment":"neutral","sentiment_score":0.18890632626911005},{"text":"So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself.","start":2361.04,"end":2372.045,"sentiment":"neutral","sentiment_score":0.08405343087183105},{"text":"Does that sound okay?","start":2372.045,"end":2373.185,"sentiment":"neutral","sentiment_score":0.08731125574558973}],"sentiment":"neutral","sentiment_score":0.09492580628395081,"num_words":125,"start":2341.185,"end":2373.185},{"sentences":[{"text":"Yeah.","start":2375.085,"end":2375.565,"sentiment":"positive","sentiment_score":0.3476063907146454},{"text":"Fantastic.","start":2375.565,"end":2376.065,"sentiment":"positive","sentiment_score":0.7353360056877136},{"text":"Excellent.","start":2376.56,"end":2377.06,"sentiment":"positive","sentiment_score":0.726320743560791},{"text":"I'll get that sorted.","start":2377.2,"end":2378.24,"sentiment":"positive","sentiment_score":0.5482034683227539},{"text":"I'll add some information on guardianship for you as well just so you have that to sort of mull over and consider to make it easier on you.","start":2378.24,"end":2385.38,"sentiment":"positive","sentiment_score":0.46405048774821417}],"sentiment":"positive","sentiment_score":0.4855854477201189,"num_words":35,"start":2375.085,"end":2385.38},{"sentences":[{"text":"Fantastic.","start":2387.68,"end":2388.18,"sentiment":"positive","sentiment_score":0.5818454027175903},{"text":"Not a problem at all.","start":2388.64,"end":2390.18,"sentiment":"neutral","sentiment_score":0.2340722143650055},{"text":"Our goals was down the track.","start":2390.9949,"end":2392.275,"sentiment":"neutral","sentiment_score":0.05470123762885729},{"text":"So at the moment with the advice, I'm just sort of focusing around possible contributions, looking at your super, and also just having a look at, sorry, the investments within there for you.","start":2392.275,"end":2404.53,"sentiment":"neutral","sentiment_score":0.13481352455688245},{"text":"Do you have any other goals that you're sort of looking to try and achieve down the track?","start":2405.09,"end":2410.31,"sentiment":"neutral","sentiment_score":0.08904205800758468}],"sentiment":"neutral","sentiment_score":0.12907963896554614,"num_words":63,"start":2387.68,"end":2410.31},{"sentences":[{"text":"Yep.","start":2415.8901,"end":2416.3901,"sentiment":"neutral","sentiment_score":0.036566924303770065},{"text":"Yep.","start":2420.785,"end":2421.285,"sentiment":"neutral","sentiment_score":0.0257599875330925},{"text":"No.","start":2421.665,"end":2421.905,"sentiment":"neutral","sentiment_score":-0.007350098341703415},{"text":"That's okay.","start":2421.905,"end":2422.7048,"sentiment":"neutral","sentiment_score":0.01249674241989851},{"text":"Is getting an investment property something you're looking to do in the next sort of one to two years?","start":2422.7048,"end":2427.365,"sentiment":"neutral","sentiment_score":0.016810261791473942}],"sentiment":"neutral","sentiment_score":0.01664021968220671,"num_words":24,"start":2415.8901,"end":2427.365},{"sentences":[{"text":"Yep.","start":2430.545,"end":2430.785,"sentiment":"neutral","sentiment_score":0.061629556119441986},{"text":"So the other thing to sort of consider is if you are making additional contributions to super, because it can obviously have a bit of a tax effect there for you, it also does can reduce your borrowing capacity.","start":2430.785,"end":2442.8699,"sentiment":"neutral","sentiment_score":0.009493253265435878},{"text":"Are you sort of wanting to maybe not make additional contributions to super maybe back to putting that money into maybe an investment property to to build wealth in other areas?","start":2443.17,"end":2453.375,"sentiment":"neutral","sentiment_score":0.028336984856474783},{"text":"Or what's your thoughts there?","start":2453.375,"end":2454.575,"sentiment":"neutral","sentiment_score":0.005833827145397663},{"text":"Just because I've brought that up now.","start":2454.575,"end":2456.0151,"sentiment":"neutral","sentiment_score":-0.005697191160704408}],"sentiment":"neutral","sentiment_score":0.015657852549689363,"num_words":83,"start":2430.545,"end":2456.0151},{"sentences":[{"text":"I'm like, here's some other centers.","start":2456.0151,"end":2468.48,"sentiment":"neutral","sentiment_score":0.00328834253984193},{"text":"Okay.","start":2468.8599,"end":2469.315,"sentiment":"neutral","sentiment_score":0.024312421679496765},{"text":"Yeah.","start":2477.795,"end":2478.295,"sentiment":"neutral","sentiment_score":0.013874304480850697},{"text":"With with the changes to yeah.","start":2479.075,"end":2481.155,"sentiment":"neutral","sentiment_score":-0.002077424433082342},{"text":"Definitely.","start":2481.155,"end":2481.555,"sentiment":"neutral","sentiment_score":0.09663303941488266}],"sentiment":"neutral","sentiment_score":0.009472351614385843,"num_words":15,"start":2456.0151,"end":2481.555},{"sentences":[{"text":"So with the changes to legislation, have you sort of seen the changes that they've made to, like, the negative gearing and the capital gains and things like that with regard to investment properties?","start":2481.555,"end":2490.46,"sentiment":"neutral","sentiment_score":-0.07351688224384013},{"text":"Yeah.","start":2493.16,"end":2493.66,"sentiment":"neutral","sentiment_score":0.012104439549148084},{"text":"Yep.","start":2505.735,"end":2506.235,"sentiment":"neutral","sentiment_score":-0.005955696105957031},{"text":"Mhmm.","start":2514.75,"end":2515.25,"sentiment":"neutral","sentiment_score":-0.05411931127309799},{"text":"Yes.","start":2519.55,"end":2519.895,"sentiment":"neutral","sentiment_score":0.01369982212781906}],"sentiment":"neutral","sentiment_score":-0.06668012478928033,"num_words":38,"start":2481.555,"end":2519.895},{"sentences":[{"text":"Yeah.","start":2522.535,"end":2522.935,"sentiment":"neutral","sentiment_score":0.026748303323984143},{"text":"Okay.","start":2522.935,"end":2523.335,"sentiment":"neutral","sentiment_score":0.0359051451086998},{"text":"Have you spoken to a mortgage broker and maybe looked at your borrowing capacity to see what you could maybe borrow or what you could buy investment property wise?","start":2523.335,"end":2531.435,"sentiment":"neutral","sentiment_score":0.021280286062894196},{"text":"Did you want me to maybe refer you through to a mortgage broker?","start":2536.63,"end":2539.43,"sentiment":"neutral","sentiment_score":0.04020814683574896},{"text":"There's no cost to yourself.","start":2539.43,"end":2540.71,"sentiment":"neutral","sentiment_score":0.10665073990821838}],"sentiment":"neutral","sentiment_score":0.03542329291147845,"num_words":49,"start":2522.535,"end":2540.71},{"sentences":[{"text":"I can just do an email up referring you through to one of our mortgage brokers.","start":2540.71,"end":2543.91,"sentiment":"neutral","sentiment_score":0.11881994409486651},{"text":"They can have a look at your borrowing capacity, your income, and things like that, and maybe, let you know what you'll be able to borrow based on your circumstances.","start":2543.91,"end":2551.985,"sentiment":"neutral","sentiment_score":0.07539820422728856},{"text":"Did you want me to organize that for you?","start":2552.125,"end":2554.145,"sentiment":"neutral","sentiment_score":0.06013942841026518},{"text":"Yeah.","start":2558.6301,"end":2559.1301,"sentiment":"neutral","sentiment_score":0.01523231901228428},{"text":"Brett Sullivan, he actually retired.","start":2559.27,"end":2561.21,"sentiment":"neutral","sentiment_score":-0.008304244466125965}],"sentiment":"neutral","sentiment_score":0.07668903581492725,"num_words":61,"start":2540.71,"end":2561.21},{"sentences":[{"text":"He's retired.","start":2561.9102,"end":2562.73,"sentiment":"neutral","sentiment_score":-0.03236237168312073},{"text":"Yeah.","start":2563.1902,"end":2563.6902,"sentiment":"neutral","sentiment_score":0.1628640592098236},{"text":"He was really good.","start":2564.07,"end":2565.1902,"sentiment":"neutral","sentiment_score":0.3293292745947838},{"text":"He did just recently retire, poor bugger.","start":2565.1902,"end":2567.4302,"sentiment":"neutral","sentiment_score":-0.015380030231816428},{"text":"He's a lovely, lovely soul.","start":2567.4302,"end":2569.29,"sentiment":"positive","sentiment_score":0.3865809112787247}],"sentiment":"neutral","sentiment_score":0.17056319784176976,"num_words":19,"start":2561.9102,"end":2569.29},{"sentences":[{"text":"Yeah.","start":2569.75,"end":2570.25,"sentiment":"neutral","sentiment_score":0.12258441746234894},{"text":"Yep.","start":2574.135,"end":2574.635,"sentiment":"neutral","sentiment_score":0.06041765213012695},{"text":"Yep.","start":2578.5352,"end":2579.0151,"sentiment":"neutral","sentiment_score":0.062108270823955536},{"text":"That's okay.","start":2579.0151,"end":2579.655,"sentiment":"neutral","sentiment_score":0.08859186246991158},{"text":"Did you still want me to look at contributions in the super, or did you wanna just hold on there hold off on that for the moment and maybe keep the funds to be able to buy an investment property and focus on the renovation side of things there?","start":2579.655,"end":2591.76,"sentiment":"neutral","sentiment_score":0.029544002623582373}],"sentiment":"neutral","sentiment_score":0.034628707294662796,"num_words":54,"start":2569.75,"end":2591.76},{"sentences":[{"text":"What's more important to you?","start":2593.4202,"end":2596.0,"sentiment":"neutral","sentiment_score":0.0219858861528337},{"text":"Yeah.","start":2600.525,"end":2601.025,"sentiment":"neutral","sentiment_score":0.1174449548125267},{"text":"You, yeah, you can't.","start":2612.4202,"end":2613.4602,"sentiment":"neutral","sentiment_score":-0.1600155234336853},{"text":"And they've actually just changed the South Bay Superfund rules as well.","start":2613.4602,"end":2616.58,"sentiment":"neutral","sentiment_score":-0.09316531879206498},{"text":"So whilst you can still have an SMSF and you can still have a residential property in there, they don't let you borrow for a residential property anymore.","start":2616.58,"end":2624.58,"sentiment":"neutral","sentiment_score":-0.09769846219569445}],"sentiment":"neutral","sentiment_score":-0.08532456950284541,"num_words":50,"start":2593.4202,"end":2624.58},{"sentences":[{"text":"You can only borrow for a commercial.","start":2624.58,"end":2626.6,"sentiment":"neutral","sentiment_score":-0.06896618221487318},{"text":"That all came into play as of the August 10 this year to get the the government's negative gearing and the CJT consequences to they made it there with the greens, and that was all kind of one of the changes.","start":2626.7402,"end":2639.135,"sentiment":"neutral","sentiment_score":-0.08121858787064146},{"text":"But in saying that I mean, look.","start":2640.155,"end":2643.41,"sentiment":"neutral","sentiment_score":0.00462664823446955},{"text":"There are advantages to both scenarios, but what I'd be sort of looking at is what's more important to you.","start":2643.41,"end":2648.71,"sentiment":"neutral","sentiment_score":0.10233628042042256},{"text":"Is it more important because you're on a good income.","start":2649.01,"end":2651.17,"sentiment":"neutral","sentiment_score":0.22027292102575302}],"sentiment":"neutral","sentiment_score":0.0055190115071394865,"num_words":85,"start":2624.58,"end":2651.17},{"sentences":[{"text":"You have a good amount of contributions going in.","start":2651.17,"end":2653.8298,"sentiment":"neutral","sentiment_score":0.29565172062979805},{"text":"Do we just look at the investments and try to reduce the fees and keep your contributions going in as much as possible and maybe hold off additional contributions till down the track when you might need to make some additional contributions to help reduce, you know, taxable income?","start":2653.89,"end":2669.635,"sentiment":"neutral","sentiment_score":0.07660446658122297},{"text":"Or and do we just sort of hold that money back knowing that you wanna maybe look at buying an investment property?","start":2670.78,"end":2676.62,"sentiment":"neutral","sentiment_score":-0.02057050998238},{"text":"Is investing outside of super to help build wealth for you more important than putting that money into super?","start":2676.62,"end":2684.6401,"sentiment":"neutral","sentiment_score":0.04790919391732467},{"text":"What's kind of your main primary goal with that?","start":2684.845,"end":2687.5051,"sentiment":"neutral","sentiment_score":0.01886784119738473}],"sentiment":"neutral","sentiment_score":0.06520387392353129,"num_words":108,"start":2651.17,"end":2687.5051},{"sentences":[{"text":"Yes.","start":2690.925,"end":2691.425,"sentiment":"neutral","sentiment_score":0.055306047201156616},{"text":"Okay.","start":2692.0452,"end":2692.5452,"sentiment":"neutral","sentiment_score":0.17619739472866058},{"text":"Perfect.","start":2693.725,"end":2694.205,"sentiment":"neutral","sentiment_score":0.14508144557476044},{"text":"I mean, putting money into super has a greater benefit, like, has a good benefit for you.","start":2694.205,"end":2698.86,"sentiment":"positive","sentiment_score":0.469451603205765},{"text":"But if you are also wanting to buy an investment property, one of the things I'd be sort of wanting to trade off is your borrowing capacity.","start":2698.86,"end":2704.8801,"sentiment":"neutral","sentiment_score":-0.003153569996356964}],"sentiment":"neutral","sentiment_score":0.1760024628106584,"num_words":47,"start":2690.925,"end":2704.8801},{"sentences":[{"text":"Putting more money into super locks it away.","start":2705.1,"end":2707.1802,"sentiment":"neutral","sentiment_score":-0.11671204213052988},{"text":"You can't take it back out again.","start":2707.1802,"end":2708.9602,"sentiment":"neutral","sentiment_score":-0.1559791245630809},{"text":"If something was to happen, you were to reduce hours or you decided to move fully into your business, do you need that money maybe sitting aside on your home loan where you can pull it back off to use for an investment property, things like that?","start":2709.5,"end":2721.075,"sentiment":"neutral","sentiment_score":-0.02466896731168666},{"text":"So there are a lot of different factors to sort of take into account there.","start":2721.075,"end":2726.04,"sentiment":"neutral","sentiment_score":0.06752298486729463},{"text":"And if getting an investment property is probably your main main criteria, I'd be looking to maybe hold off on additional contributions now, let you sort of go through that borrowing capacity because, you know, property is expensive.","start":2726.28,"end":2739.6602,"sentiment":"neutral","sentiment_score":-0.10542631266932738}],"sentiment":"neutral","sentiment_score":-0.05372475461791391,"num_words":115,"start":2705.1,"end":2739.6602},{"sentences":[{"text":"We all know that it's very expensive.","start":2739.72,"end":2741.9849,"sentiment":"neutral","sentiment_score":-0.22169377974101476},{"text":"It is maybe putting a bit more onto your mortgage and reducing your mortgage down a little bit, having more sitting in your offset, which you could draw back later as the deposit to help reduce how much you have to borrow.","start":2742.685,"end":2753.665,"sentiment":"neutral","sentiment_score":0.04367119384308656},{"text":"The other side of that is putting money into super.","start":2753.9302,"end":2756.25,"sentiment":"neutral","sentiment_score":0.04098951164633036},{"text":"While super gets good returns, markets do perform very well over longer term.","start":2756.25,"end":2760.59,"sentiment":"neutral","sentiment_score":0.26726136872401607},{"text":"In the shorter term, our mortgages are very expensive.","start":2760.73,"end":2764.03,"sentiment":"neutral","sentiment_score":-0.09945439340339766}],"sentiment":"neutral","sentiment_score":0.040389346326758835,"num_words":81,"start":2739.72,"end":2764.03},{"sentences":[{"text":"We're all paying very high interest.","start":2764.09,"end":2765.87,"sentiment":"neutral","sentiment_score":-0.03681430717309316},{"text":"So putting that money into your offset account essentially is giving you a guaranteed rate of return.","start":2765.975,"end":2770.875,"sentiment":"neutral","sentiment_score":0.10677863657474518},{"text":"If you're paying 6% on interest, putting that extra $100 a week or $200 a week into your offset account is reducing how much you have to pay on interest.","start":2771.2551,"end":2780.055,"sentiment":"neutral","sentiment_score":0.162416705985864},{"text":"So it's giving you much more of a guaranteed rate of return.","start":2780.055,"end":2783.75,"sentiment":"neutral","sentiment_score":0.3166320025920868},{"text":"And then, you know, you can pull that back off if you need to use it for a deposit to reduce how much you need to borrow for the investment property or if you need to maybe keep some funds aside and build that the money to, you know, utilize to do the the property renovations and things like that so you don't have to borrow as much down the track.","start":2783.75,"end":2802.635,"sentiment":"neutral","sentiment_score":0.15106472824241074}],"sentiment":"neutral","sentiment_score":0.15435317569576643,"num_words":136,"start":2764.09,"end":2802.635},{"sentences":[{"text":"So there are those sorts of things to also consider.","start":2802.635,"end":2805.695,"sentiment":"neutral","sentiment_score":0.03593320790678263},{"text":"Yeah.","start":2810.9001,"end":2811.2202,"sentiment":"neutral","sentiment_score":0.0580621138215065},{"text":"All good.","start":2811.2202,"end":2811.9402,"sentiment":"neutral","sentiment_score":0.30082686245441437},{"text":"Sorry.","start":2811.9402,"end":2812.4402,"sentiment":"neutral","sentiment_score":-0.07466134428977966},{"text":"You can imagine it's pretty insane in my brain.","start":2812.58,"end":2814.84,"sentiment":"neutral","sentiment_score":-0.16750123765733507}],"sentiment":"neutral","sentiment_score":-0.02448367675685364,"num_words":23,"start":2802.635,"end":2814.84},{"sentences":[{"text":"Just weighing up all the different options and all the things that you have coming up.","start":2816.02,"end":2819.54,"sentiment":"neutral","sentiment_score":0.08003799081780016},{"text":"So if you're comfortable, I'll hold off on additional contributions for now.","start":2819.54,"end":2822.82,"sentiment":"neutral","sentiment_score":0.02657216756294171},{"text":"I'll look at what your super is doing with just your employer contributions going in.","start":2822.82,"end":2827.7148,"sentiment":"neutral","sentiment_score":0.09581229438384374},{"text":"I'll look at changing the investments around low cost and where that sort of tracks you over the next five to ten years.","start":2827.775,"end":2833.315,"sentiment":"neutral","sentiment_score":0.13756199553608894},{"text":"And then we can always look at down the track whether we make additional contributions of what we do, and that allows you to then hold that money back, keep it in your mortgage account for a little bit longer, and also allows you to not reduce the servicing aspect for borrowing to buy the investment property side of things.","start":2833.535,"end":2850.1501,"sentiment":"neutral","sentiment_score":0.1672527085368832}],"sentiment":"neutral","sentiment_score":0.1288551324534984,"num_words":126,"start":2816.02,"end":2850.1501},{"sentences":[{"text":"Does that make sense?","start":2850.1501,"end":2851.03,"sentiment":"neutral","sentiment_score":0.09794299863278866},{"text":"And does that sound okay?","start":2851.03,"end":2852.31,"sentiment":"neutral","sentiment_score":0.06219819709658623},{"text":"Do you have any concerns, queries, or yeah.","start":2852.31,"end":2858.5552,"sentiment":"neutral","sentiment_score":0.01476745679974556},{"text":"Excellent.","start":2859.175,"end":2859.675,"sentiment":"positive","sentiment_score":0.5728108286857605},{"text":"Beautiful.","start":2860.695,"end":2861.195,"sentiment":"positive","sentiment_score":0.6310129165649414}],"sentiment":"neutral","sentiment_score":0.10656454629803959,"num_words":19,"start":2850.1501,"end":2861.195},{"sentences":[{"text":"Fantastic.","start":2861.415,"end":2861.915,"sentiment":"positive","sentiment_score":0.6415682435035706},{"text":"Beautiful.","start":2862.215,"end":2862.695,"sentiment":"positive","sentiment_score":0.6298501491546631},{"text":"I'll make a note of that for you.","start":2862.695,"end":2863.975,"sentiment":"positive","sentiment_score":0.43876538053154945},{"text":"Yeah.","start":2863.975,"end":2864.215,"sentiment":"neutral","sentiment_score":0.12924757599830627},{"text":"Even when you do wanna speak to a mortgage broker, please let me know.","start":2864.215,"end":2867.01,"sentiment":"neutral","sentiment_score":0.09160462287919861}],"sentiment":"neutral","sentiment_score":0.24773014932870865,"num_words":25,"start":2861.415,"end":2867.01},{"sentences":[{"text":"We have some great mortgage brokers ahead, and I can put you in touch with any one of those.","start":2867.01,"end":2871.1702,"sentiment":"neutral","sentiment_score":0.18081393367365786},{"text":"They're all free to yourself to use because they are paid for.","start":2871.1702,"end":2873.83,"sentiment":"neutral","sentiment_score":0.15555369605620703},{"text":"The banks pay them when they write loans and things like that, and they can look at what you're after, what your goals are, and how to approach getting a new loan to to service that for you.","start":2874.05,"end":2883.495,"sentiment":"neutral","sentiment_score":0.12632605119755394},{"text":"Okay?","start":2883.5552,"end":2884.0552,"sentiment":"neutral","sentiment_score":0.13250792026519775},{"text":"Excellent.","start":2885.075,"end":2885.575,"sentiment":"positive","sentiment_score":0.4700766205787658}],"sentiment":"neutral","sentiment_score":0.15077582505387319,"num_words":71,"start":2867.01,"end":2885.575},{"sentences":[{"text":"Beautiful.","start":2885.7952,"end":2886.2952,"sentiment":"positive","sentiment_score":0.49134302139282227},{"text":"I've also got down here that you were building a business over the last couple of years.","start":2887.155,"end":2892.0352,"sentiment":"neutral","sentiment_score":0.1787448490367216},{"text":"Your main goal was to kinda continue building your business and things like that.","start":2892.0352,"end":2895.63,"sentiment":"neutral","sentiment_score":0.17940913247210638},{"text":"Is your goal to sort of move into your self employed business or your company full time, or are you sorta hoping to keep them both working coincide along over the next few years?","start":2895.71,"end":2905.0698,"sentiment":"neutral","sentiment_score":0.11418960857040741},{"text":"What's your goal with that?","start":2905.0698,"end":2906.45,"sentiment":"neutral","sentiment_score":0.05537811145186424}],"sentiment":"neutral","sentiment_score":0.14367705011661625,"num_words":71,"start":2885.7952,"end":2906.45},{"sentences":[{"text":"Yeah.","start":2910.525,"end":2911.025,"sentiment":"neutral","sentiment_score":0.007412742357701063},{"text":"Yep.","start":2911.1648,"end":2911.6648,"sentiment":"neutral","sentiment_score":0.027335941791534424},{"text":"Okay.","start":2920.2048,"end":2920.7048,"sentiment":"neutral","sentiment_score":0.01451060175895691},{"text":"Yep.","start":2920.9248,"end":2921.4248,"sentiment":"neutral","sentiment_score":0.008653707802295685},{"text":"Yes.","start":2926.62,"end":2927.1,"sentiment":"neutral","sentiment_score":0.02108386904001236}],"sentiment":"neutral","sentiment_score":0.01579937255010009,"num_words":5,"start":2910.525,"end":2927.1},{"sentences":[{"text":"Depends on how it grows.","start":2927.1,"end":2928.48,"sentiment":"neutral","sentiment_score":0.011734727956354617},{"text":"Yeah.","start":2929.18,"end":2929.58,"sentiment":"neutral","sentiment_score":0.09201008081436156},{"text":"Absolutely.","start":2929.58,"end":2930.08,"sentiment":"positive","sentiment_score":0.38676682114601135},{"text":"Perfect.","start":2930.78,"end":2931.28,"sentiment":"positive","sentiment_score":0.6340019702911377},{"text":"Fantastic.","start":2931.42,"end":2931.92,"sentiment":"positive","sentiment_score":0.6676481366157532}],"sentiment":"neutral","sentiment_score":0.20434451651655966,"num_words":9,"start":2927.1,"end":2931.92},{"sentences":[{"text":"Well, thank you so much for updating those details there for me.","start":2931.98,"end":2935.125,"sentiment":"positive","sentiment_score":0.618688220779101},{"text":"The last thing to do is just to run through a bit of a risk profile questionnaire.","start":2935.205,"end":2938.265,"sentiment":"neutral","sentiment_score":0.0864028514308088},{"text":"So I've got most of them answered already, which is great.","start":2938.485,"end":2941.785,"sentiment":"neutral","sentiment_score":0.156797470016913},{"text":"The main ones to sort of go through are probably the hardest ones to answer.","start":2942.245,"end":2946.505,"sentiment":"neutral","sentiment_score":-0.061065673579772314},{"text":"The first one here is essentially when you think about risk and the risk you're taking within your super, do you consider yourself comfortable to take on a higher level of risk to get greater potential returns knowing that the downside is also a factor and that the more your balance increases, the more risk you're taking, the more you can feel the downside?","start":2947.125,"end":2965.34,"sentiment":"neutral","sentiment_score":-0.06958020883030258}],"sentiment":"neutral","sentiment_score":0.044107233823723155,"num_words":119,"start":2931.98,"end":2965.34},{"sentences":[{"text":"Are you probably more comfortable taking on a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking a lot of risk in the market and knowing the returns are lower?","start":2966.415,"end":2976.495,"sentiment":"neutral","sentiment_score":-0.10195003707821552},{"text":"Where do you think you probably sit in that scale?","start":2976.495,"end":2981.82,"sentiment":"neutral","sentiment_score":-0.04528162740170956},{"text":"Yeah.","start":2981.8801,"end":2982.28,"sentiment":"neutral","sentiment_score":0.06897354125976562},{"text":"Beautiful.","start":2982.28,"end":2982.78,"sentiment":"neutral","sentiment_score":0.30767059326171875},{"text":"Excellent.","start":2983.0,"end":2983.5,"sentiment":"neutral","sentiment_score":0.32874763011932373}],"sentiment":"neutral","sentiment_score":-0.07160530683512871,"num_words":52,"start":2966.415,"end":2983.5},{"sentences":[{"text":"The next one here is if you saw your portfolio fall by 20% in the next sort of one to two years, how do you think you might be feeling?","start":2984.52,"end":2991.74,"sentiment":"neutral","sentiment_score":0.009936153826614221},{"text":"Are you excited about the investment opportunity being it's a market dip?","start":2992.045,"end":2995.905,"sentiment":"neutral","sentiment_score":0.000504679357012113},{"text":"Are you probably holding and waiting to see what happens and maybe on the phone to us to see what we suggest you do, or are you a bit nervous and wanting to sell the investments to cash?","start":2996.125,"end":3004.95,"sentiment":"neutral","sentiment_score":-0.04249140311424669},{"text":"What do you think you might do?","start":3005.03,"end":3006.89,"sentiment":"neutral","sentiment_score":-0.035508734573210986},{"text":"Yeah.","start":3014.15,"end":3014.65,"sentiment":"neutral","sentiment_score":0.04423452168703079}],"sentiment":"neutral","sentiment_score":-0.017214308768002826,"num_words":88,"start":2984.52,"end":3014.65},{"sentences":[{"text":"Absolutely.","start":3015.19,"end":3015.69,"sentiment":"neutral","sentiment_score":0.12498760223388672},{"text":"Not a problem at all.","start":3016.15,"end":3017.53,"sentiment":"neutral","sentiment_score":0.1580222100019455},{"text":"I've got down here that when we're looking at the rate of return, you're trying to get the best possible return you can over the longer term.","start":3018.425,"end":3024.505,"sentiment":"neutral","sentiment_score":0.08163717237335665},{"text":"Am I right in ticking that box?","start":3024.505,"end":3026.205,"sentiment":"neutral","sentiment_score":0.06850785416151796},{"text":"Yep.","start":3028.105,"end":3028.605,"sentiment":"neutral","sentiment_score":0.2533266246318817}],"sentiment":"neutral","sentiment_score":0.09395570512406709,"num_words":41,"start":3015.19,"end":3028.605},{"sentences":[{"text":"Beautiful.","start":3028.905,"end":3029.405,"sentiment":"positive","sentiment_score":0.5611377954483032},{"text":"With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips?","start":3030.03,"end":3036.67,"sentiment":"neutral","sentiment_score":-0.03461491610658796},{"text":"How do you think you might be feeling?","start":3036.67,"end":3038.37,"sentiment":"neutral","sentiment_score":-0.030527406372129917},{"text":"Yep.","start":3042.11,"end":3042.61,"sentiment":"neutral","sentiment_score":0.14500267803668976},{"text":"Absolutely.","start":3042.83,"end":3043.33,"sentiment":"positive","sentiment_score":0.3977738618850708}],"sentiment":"neutral","sentiment_score":0.006733722612261772,"num_words":30,"start":3028.905,"end":3043.33},{"sentences":[{"text":"Beautiful.","start":3044.03,"end":3044.53,"sentiment":"positive","sentiment_score":0.5446594953536987},{"text":"Now you've thank you so much, though.","start":3045.335,"end":3047.335,"sentiment":"positive","sentiment_score":0.4805536823613303},{"text":"You've scored it as a growth investor.","start":3047.335,"end":3049.515,"sentiment":"neutral","sentiment_score":0.18454780323164804},{"text":"So at the moment, as I kinda mentioned, you're in that high growth environment, which sees 90% in those growth assets.","start":3049.575,"end":3055.4348,"sentiment":"neutral","sentiment_score":0.06461148336529732},{"text":"With the scoring as a growth investor, we'd see us reduce the risk level by about 10%.","start":3056.055,"end":3061.26,"sentiment":"neutral","sentiment_score":0.04635000601410866}],"sentiment":"neutral","sentiment_score":0.13858794617765355,"num_words":53,"start":3044.03,"end":3061.26},{"sentences":[{"text":"The main difference there is that the high growth portfolio, you're trying to obtain around about a eight to 10% return on a yearly basis there.","start":3061.56,"end":3069.24,"sentiment":"neutral","sentiment_score":0.038428105342273526},{"text":"And when we think about the expected volatility, the market could go up by more than 14% or you could see a dip of around 14% expected.","start":3069.24,"end":3077.075,"sentiment":"neutral","sentiment_score":-0.07104057666880113},{"text":"The likelihood of a negative return return, that high growth environment is one in every five years, and you've got more than eight years ahead of you.","start":3077.935,"end":3085.855,"sentiment":"neutral","sentiment_score":-0.18388565712504917},{"text":"So you definitely suit that time horizon for that sort of portfolio.","start":3085.855,"end":3089.075,"sentiment":"neutral","sentiment_score":0.09819526225328445},{"text":"If we did look to sort of pull you back a bit to that growth environment, you have 80% invested in those growth assets.","start":3089.82,"end":3096.9402,"sentiment":"neutral","sentiment_score":-0.01180079928599298}],"sentiment":"neutral","sentiment_score":-0.04300649663240745,"num_words":116,"start":3061.56,"end":3096.9402},{"sentences":[{"text":"So we are increasing the defensive low risk component by about 10% there.","start":3096.9402,"end":3101.98,"sentiment":"neutral","sentiment_score":0.04208925767586781},{"text":"So you see 20% invested in cash, bonds, and fixed interest.","start":3101.98,"end":3105.615,"sentiment":"neutral","sentiment_score":0.030195733362978153},{"text":"The expected average returns about seven to 9%, and, again, a likelihood of a negative return is about one in every sort of five years.","start":3106.3152,"end":3114.0151,"sentiment":"neutral","sentiment_score":-0.1324897065758705},{"text":"Realistically, you could begin both of those portfolios.","start":3114.235,"end":3117.0552,"sentiment":"neutral","sentiment_score":0.002753371372818947},{"text":"It really just depends upon where that 10% realistically is gonna make much of a difference to you or whether you're gonna be concerned if you feel it.","start":3117.195,"end":3124.97,"sentiment":"neutral","sentiment_score":-0.027599777760250226}],"sentiment":"neutral","sentiment_score":-0.037455247693202076,"num_words":85,"start":3096.9402,"end":3124.97},{"sentences":[{"text":"Did you wanna kinda stay in that high growth environment for another year, or did you want me to sort of look at reducing the risk level back a bit for you?","start":3125.3499,"end":3132.3098,"sentiment":"neutral","sentiment_score":-0.07320141838863492},{"text":"How do you feel about that, and do you have more questions?","start":3132.3098,"end":3146.405,"sentiment":"neutral","sentiment_score":-0.06234530700991551},{"text":"Yep.","start":3147.025,"end":3147.525,"sentiment":"neutral","sentiment_score":0.016254600137472153},{"text":"Pull it pull it back to growth a little bit.","start":3147.585,"end":3149.99,"sentiment":"neutral","sentiment_score":0.011122461291961372},{"text":"Yep.","start":3151.6501,"end":3151.97,"sentiment":"neutral","sentiment_score":0.138619065284729}],"sentiment":"neutral","sentiment_score":-0.050437335610955154,"num_words":56,"start":3125.3499,"end":3151.97},{"sentences":[{"text":"Yep.","start":3151.97,"end":3152.37,"sentiment":"neutral","sentiment_score":0.216619610786438},{"text":"Absolutely.","start":3152.37,"end":3152.87,"sentiment":"positive","sentiment_score":0.46411049365997314},{"text":"I mean, realistically, when you think about a 5% return, as your balance increases and grows, which it will definitely do, especially as you're a higher income earner, you will sort of notice those difference.","start":3153.25,"end":3164.365,"sentiment":"neutral","sentiment_score":0.24643351967845645},{"text":"If you, you know, think about someone with $50,000 in their super, a 5% return is much smaller than someone with 500,000 in their super.","start":3164.365,"end":3172.4448,"sentiment":"neutral","sentiment_score":0.09118947342038154},{"text":"So as your balance increases, you will notice smaller changes affect you a little bit more or affect your balance a little bit more.","start":3172.4448,"end":3179.3599,"sentiment":"neutral","sentiment_score":0.14048076793551445}],"sentiment":"neutral","sentiment_score":0.1739206809203985,"num_words":86,"start":3151.97,"end":3179.3599},{"sentences":[{"text":"So it can definitely have a greater effect long term.","start":3179.74,"end":3182.46,"sentiment":"positive","sentiment_score":0.37160907983779906},{"text":"So I'm happy to reduce that risk back if you like.","start":3182.46,"end":3184.94,"sentiment":"positive","sentiment_score":0.5775708285245028},{"text":"We can go back to the growth portfolio, and then we can look at what that does.","start":3184.94,"end":3189.0999,"sentiment":"neutral","sentiment_score":0.3080960091422586},{"text":"And in twelve months, if you decide you wanna go back up again, you absolutely can.","start":3189.0999,"end":3193.155,"sentiment":"positive","sentiment_score":0.34376256726682186},{"text":"Does that sound okay?","start":3193.155,"end":3194.375,"sentiment":"neutral","sentiment_score":0.2378341294825077}],"sentiment":"positive","sentiment_score":0.3751472355476741,"num_words":58,"start":3179.74,"end":3194.375},{"sentences":[{"text":"Yep.","start":3196.2751,"end":3196.7551,"sentiment":"positive","sentiment_score":0.3561203181743622},{"text":"Beautiful.","start":3196.7551,"end":3197.2551,"sentiment":"positive","sentiment_score":0.5375387072563171},{"text":"Look.","start":3197.635,"end":3197.955,"sentiment":"neutral","sentiment_score":0.24953749775886536},{"text":"I know I have touched on a lot, Patrick.","start":3197.955,"end":3199.7952,"sentiment":"neutral","sentiment_score":0.08946138785945044},{"text":"Is there any questions, anything you think I might have not touched on, anything you wanna more further clarity on at all?","start":3199.7952,"end":3205.635,"sentiment":"neutral","sentiment_score":0.029947346330366352}],"sentiment":"neutral","sentiment_score":0.0766820774468429,"num_words":34,"start":3196.2751,"end":3205.635},{"sentences":[{"text":"Or no.","start":3205.635,"end":3209.58,"sentiment":"neutral","sentiment_score":-0.08686081971973181},{"text":"Excellent.","start":3211.4,"end":3211.9,"sentiment":"positive","sentiment_score":0.406432032585144},{"text":"That's okay.","start":3213.0,"end":3213.9,"sentiment":"neutral","sentiment_score":0.18513648211956024},{"text":"Not a problem at all.","start":3213.96,"end":3215.5,"sentiment":"neutral","sentiment_score":0.12176258563995361},{"text":"So I'll just go back.","start":3215.8,"end":3216.76,"sentiment":"neutral","sentiment_score":0.07096030712127685}],"sentiment":"neutral","sentiment_score":0.10443985474606356,"num_words":15,"start":3205.635,"end":3216.76},{"sentences":[{"text":"We'll look at the super.","start":3216.76,"end":3217.8,"sentiment":"neutral","sentiment_score":0.07691265642642975},{"text":"We'll hold off on additional contributions now because buying property is sort of your main goal in the short term.","start":3217.8,"end":3223.395,"sentiment":"neutral","sentiment_score":0.07109030652791262},{"text":"I'll look at what to do with your super.","start":3223.615,"end":3225.395,"sentiment":"neutral","sentiment_score":0.08058078421486749},{"text":"The investments for them will definitely get rid of Van Alung and replace that for you.","start":3225.535,"end":3229.055,"sentiment":"neutral","sentiment_score":0.12316122860647738},{"text":"I'll look at reducing your risk back to the growth portfolio a little bit and see what that does over the next sort of five to ten years.","start":3229.055,"end":3235.4749,"sentiment":"neutral","sentiment_score":0.16760930445577418}],"sentiment":"neutral","sentiment_score":0.11788764939858364,"num_words":78,"start":3216.76,"end":3235.4749},{"sentences":[{"text":"I'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there.","start":3235.98,"end":3243.02,"sentiment":"neutral","sentiment_score":0.16824951271216074},{"text":"Does that sound okay?","start":3243.02,"end":3244.16,"sentiment":"neutral","sentiment_score":0.16676806285977364},{"text":"Yep.","start":3246.46,"end":3246.94,"sentiment":"neutral","sentiment_score":0.28347957134246826},{"text":"Fantastic.","start":3246.94,"end":3247.44,"sentiment":"positive","sentiment_score":0.5792194604873657},{"text":"All good.","start":3247.74,"end":3248.415,"sentiment":"positive","sentiment_score":0.47807471454143524}],"sentiment":"neutral","sentiment_score":0.20387215679511428,"num_words":32,"start":3235.98,"end":3248.415},{"sentences":[{"text":"And that way, you'll also have my direct contact in the email there.","start":3248.575,"end":3251.375,"sentiment":"neutral","sentiment_score":0.23611990878215203},{"text":"So when and if you are ready to speak to a mortgage broker, please let me know.","start":3251.375,"end":3254.975,"sentiment":"neutral","sentiment_score":0.10755465092027888},{"text":"I'll happily put you in touch.","start":3254.975,"end":3256.575,"sentiment":"positive","sentiment_score":0.5646842817465464},{"text":"Okay?","start":3256.575,"end":3257.075,"sentiment":"positive","sentiment_score":0.35060423612594604},{"text":"Easy.","start":3259.215,"end":3259.695,"sentiment":"positive","sentiment_score":0.6893972158432007}],"sentiment":"neutral","sentiment_score":0.2454235532173985,"num_words":38,"start":3248.575,"end":3259.695},{"sentences":[{"text":"Perfect.","start":3259.695,"end":3260.175,"sentiment":"positive","sentiment_score":0.7460860013961792},{"text":"Thank you so much for your time today.","start":3260.175,"end":3261.8901,"sentiment":"positive","sentiment_score":0.7802957966923714},{"text":"If you are happy to, once you've read the email, if you could just sign and return the annual review documents back there for me.","start":3261.8901,"end":3267.51,"sentiment":"positive","sentiment_score":0.3615411841869354},{"text":"It looks like they have just come back.","start":3267.6501,"end":3269.09,"sentiment":"neutral","sentiment_score":0.16820724960416555},{"text":"Sorry about that.","start":3269.09,"end":3270.1501,"sentiment":"neutral","sentiment_score":-0.04111949975291888}],"sentiment":"positive","sentiment_score":0.38331736615962453,"num_words":45,"start":3259.695,"end":3270.1501},{"sentences":[{"text":"But, yeah, thank you so much, Yitam.","start":3272.37,"end":3274.145,"sentiment":"positive","sentiment_score":0.5921869661126818},{"text":"I really appreciate it.","start":3274.145,"end":3275.105,"sentiment":"positive","sentiment_score":0.8359633982181549},{"text":"It's been a pleasure.","start":3275.105,"end":3275.985,"sentiment":"positive","sentiment_score":0.8677253276109695},{"text":"If anything else comes up, please let me know, and I'll send that email out to you shortly with the estate planning information.","start":3275.985,"end":3282.325,"sentiment":"positive","sentiment_score":0.34139338524445245},{"text":"Just come back if there's any questions or anything you think that I might have not touched on that you wanted me to sort of look at for you.","start":3282.465,"end":3289.34,"sentiment":"neutral","sentiment_score":0.17431078234623218}],"sentiment":"positive","sentiment_score":0.35622573454878226,"num_words":67,"start":3272.37,"end":3289.34},{"sentences":[{"text":"Okay.","start":3289.34,"end":3289.84,"sentiment":"neutral","sentiment_score":0.1697537899017334},{"text":"Easy.","start":3291.82,"end":3292.3,"sentiment":"positive","sentiment_score":0.6044867038726807},{"text":"Thank you so much for your time.","start":3292.3,"end":3293.5,"sentiment":"positive","sentiment_score":0.7159793717520577},{"text":"I hope you have a good rest of your afternoon.","start":3293.5,"end":3295.6,"sentiment":"positive","sentiment_score":0.5858378231525421},{"text":"Did do you have any more meetings this afternoon, or is that you done to just catch up?","start":3295.6602,"end":3300.6401,"sentiment":"neutral","sentiment_score":0.032326498379309974}],"sentiment":"neutral","sentiment_score":0.3304419269835627,"num_words":37,"start":3289.34,"end":3300.6401},{"sentences":[{"text":"No.","start":3304.975,"end":3305.475,"sentiment":"neutral","sentiment_score":-0.08567823469638824},{"text":"Beautiful.","start":3306.655,"end":3307.0552,"sentiment":"positive","sentiment_score":0.6634633541107178},{"text":"Well, you enjoy your afternoon.","start":3307.0552,"end":3308.495,"sentiment":"positive","sentiment_score":0.6385511636734009},{"text":"Enjoy your time with Reuben.","start":3308.495,"end":3309.855,"sentiment":"positive","sentiment_score":0.7117847919464111},{"text":"I hope he's had a great day at school.","start":3309.855,"end":3311.7952,"sentiment":"positive","sentiment_score":0.7047661807801988}],"sentiment":"positive","sentiment_score":0.6510647868826276,"num_words":21,"start":3304.975,"end":3311.7952},{"sentences":[{"text":"Thanks, Patrick.","start":3314.175,"end":3315.1348,"sentiment":"positive","sentiment_score":0.6133540272712708},{"text":"Appreciate it.","start":3315.1348,"end":3315.775,"sentiment":"positive","sentiment_score":0.5374801307916641},{"text":"You have a good day.","start":3315.775,"end":3316.9148,"sentiment":"positive","sentiment_score":0.5102062940597534},{"text":"Thanks.","start":3317.0547,"end":3317.5547,"sentiment":"positive","sentiment_score":0.5039916038513184},{"text":"See you later.","start":3318.015,"end":3318.6548,"sentiment":"neutral","sentiment_score":0.254875510931015}],"sentiment":"positive","sentiment_score":0.47087060946684617,"num_words":13,"start":3314.175,"end":3318.6548},{"sentences":[{"text":"Bye.","start":3318.6548,"end":3319.1548,"sentiment":"neutral","sentiment_score":-0.085584856569767}],"sentiment":"neutral","sentiment_score":-0.085584856569767,"num_words":1,"start":3318.6548,"end":3319.1548}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll Speaking. Hello? Yeah. Yeah. Good. Thanks, sir. Yeah. Yeah. I think so. It should be good. Yeah. That's fine. Yep. Full name is Patrick Anthony Gill. Date of birth is 10/02/1990, and address is Number 6 Teriki Street, Charlestown. Okay. Yeah. Yeah. Yep. Cool. Yeah. Pretty good. Just fine meetings for the next today. So, yeah, just rolling into another one. That's all good. How about you? I think I actually just had one canceled, so I've got a little bit of a break this hour, which is good. Yeah. Yeah. Yeah. Yeah. How's your day? Yeah. Yeah. That's it. Nice. Nice. It's good. Good. I've I've got that document here now. So yep. Yep. Yeah. That's okay. Yep. Yep. Yeah. Okay. Yep. Yeah. Yeah. So I actually had an employer that didn't pay any super for about eighteen months or something like that. So I did end up going through Fairtrade and yeah. It'll I'm sorry. Yeah. Just through that process. But, yeah, they're all up to speed now. So it should just be my current employer doing their their standard sort of statutory contributions and yeah. Which is good. Yeah. Yeah. Yeah. Yeah. Cool. Awesome. K. Awesome. Sounds good. Oh, I think that's fine for now. Yeah. That's good. Thanks. Yeah. Yeah. Okay. Yes. Yeah. Of course. That makes sense. Yep. Okay. Cool. Yep. Yeah. I think that's fine. Yeah. Yeah. I think it's I've gone up to $300,000 package in my full time role. And then I've I don't know how this plays into it, but I've got a company set up now for, like, my own consulting services, which is it's about $10.10 grand a month, roughly. I'm not sure whether I'll pay any of that out to me personally out of the company or if all just keeps in me yet. So I'm not sure whether that, Yeah. Yeah. Just disable the tax, but, yeah, not sure. So Right. Okay. Yep. Yep. Okay. Yep. Yeah. Of course. Yep. I'll look for Simplicity. I might just keep it consistent. Yeah. It should be fine. Yeah. Okay. Makes sense. Yep. Not really. No. Yeah. K. Cool. Yep. For sure. Yep. No. No. I don't have any other policies yet. So that's yeah. Not too sure, to be honest. It does ring a bell, but, yeah, I can't remember why I would have edited it, to be honest. Yeah. I don't know. Yeah. That's fine. I think. Yeah. Check it out. Yeah. Exactly. Yeah. For sure. Yeah. Yeah. Yeah. Exactly. No. I think that's a good idea. Yeah. Yeah. What is it? 20% under some best performance, is it? So yeah. Yeah. Yeah. Yeah. Okay. Yeah. Nice. I'm good. Yeah. Cool. Yep. Yeah. Sounds good for sure. Hello? Yeah. Yeah. Cool. Sounds good. Yep. Yeah. Fair enough. Yeah. Awesome. Sure. Yeah. Yeah. No. I think that all makes sense. Yeah. It's a good overview. Thanks. Yeah. I guess it just depends on, yeah, what what you recommend and how I look at it on the long term, I suppose, because that's obviously a long term type of approach that I mean. So yeah. K. Cool. Yep. Yep. Yeah. No worries. Sounds good. Okay. Yeah. Cool. Yeah. It makes sense. Yeah. That makes sense. For sure. No. I think it's still pretty straightforward. Yeah. Happy to sign for the next one. No. Yeah. I think the main thing is just to be understanding where it goes for the Benelon funds and what you guys checking on there. Yes. Yes. I think it's really good. Yeah. Cool. Yeah. Perfect. That's easy. No worries. Yeah. That's correct. Yeah. Yeah. So that 300 is 300 including super as well. So it's probably, I don't know, $2.76 or whatever it looks like today. Yeah. Yeah. Yeah. That's right. Yeah. Yeah. Cool. I'm sure. I'm sure. Oh, look. I'd be keen to explore if, you know, some tax efficiencies there. Obviously, that that income, you know, getting taxed through the nose. So if there's any strategies where, you know, I could do some voluntary contributions that might be a bit more efficient on an overall sort of sense when you look at the whole package. Yeah. I'm beginning to understand that for sure. Yeah. Okay. Yep. Yeah. Okay. Fair enough. Yeah. K. No. I get that. Yep. Yeah. It does. Yeah. Yeah. I mean, just to yeah. Yeah. Any sort of recommendation you can make within, you know, the confines of what you can do, that'll be that'll be great. And, yeah, I'll be talking to the accountant about it as well. That sounds good. I do. Yeah. Yeah. Yeah. Yeah. Absolutely. Nothing's correct. No. Not that I can recall, but yeah. I haven't finalized it. I've got a draft there, which I need to review. So it's still an opportunity to change anything if I need to. Okay. Okay. Yeah. That's awesome. Okay. Sounds good. Yeah. Cool. Oh, look. I'd be keen to, yeah, I guess, to speak simply just to avoid that 15% tax. So, yeah, if there's a way that I can keep that money in the pocket, whether it's been super or otherwise, then, yeah, I'd be keen to look at it. I'll look if yeah. Yeah. If if if I put extra money into super and that avoids that money going to the government in tax, then, yeah, that that's what I began to look at. Just trying to get the money in my pocket, whether it's super or otherwise. Yeah. Just avoiding that tax. Alright. I see. Yeah. Yeah. Yeah. Okay. Let's see how it works. Yeah. Yeah. Yeah. Absolutely. Seems great. That's it. That's it. You work hard and, yeah, hang on in your pocket. Yeah. Awesome. Sounds good. It look, it'd be great if I could earlier. Yeah. I have to say at this point, I guess, still quite a while away. But yeah. I mean, if I can reach our both 16, then I think we'll be doing pretty well. But yeah. Yeah. Yeah. Yeah. Yeah. That's it. A 100%. Any time you got time with that? Yeah. Look, hard to say with escalation the way that it is. But, yeah, I mean, for it's worth yeah. It should be fine. Yeah. Yeah. Oh, look. I think it's probably still about 1.2. That might have been a little bit high last time I gave it, so I'd probably just keep it there. A little bit for the $8.20 or something like that. Not much change. Just a Ford Ranger. About four years old, I think. So it's probably more like 50, I'd say. Yeah. I know. Right? Oh, I've got a credit card, but that's the $15 credit card that's paid off each month. So it's a zero. So yeah. Yeah. Yeah. That's it. Exactly. Yeah. That's alright. Yeah. It tends to end in October. So yeah. It is. Yeah. Yeah. Lots of fun. Keep keep some busy. That's for sure. Yeah. That's right. Yeah. Yeah. That's him. Yeah. Sure. Yep. It's cool. Yeah. Look. That's a great question. I'm not actually sure who would pay you the Guardian, and how how do you actually figure that out? Like, where where does that come from? Okay. Yeah. Of course. Yeah. Of course. Okay. Yep. Yeah. Okay. Yep. Yeah. Okay. Yep. I don't. No. I'd be keen to is that something you guys can help with? Or okay. Right. Okay. Yeah. That sounds great. Yeah. That'd be awesome. Yeah. Sounds good. Thank you. Oh, yeah. Definitely just looking at, you know, property, trying to get a second property and yeah. Yeah. Just trying to build that wealth, I suppose, in an overall sense. Yeah. Ideally. Yeah. Yeah. Yeah. Yeah. Makes sense. Yeah. Yeah. Yeah. I'll look hold. Yeah. Priority would probably be to try to get the second property just with the growth you can get out of it and things like that. Because you had a plan to be able to buy another property and do it off a flip, whether it's, yeah, renovation or a duplex or something along those lines and, yeah, see where that goes. I have. Yeah. Yeah. So the the plan that I had in mind was basically I've got my primary place of residence at the moment, the train. And, yeah, I bought that in 2022, so I'd be to, you know, hold on to this and move out. So I rented out, which should probably be negative negatively geared, and then, yeah, live in something while renovating it. Something along those lines just depending on what, you know, or what else I can find. And, yeah, going from there, basically. Not yet, but, actually, within the next two to three months, we'll start our process. I think I've actually dealt with is it Grant, the mortgage broker that you guys work with? Yeah. Oh, diddy bugger. He was really good. Yeah. Okay. Good on him. Yeah. Yeah. Yeah. Yeah. He's a champ. Yeah. I'll look at it'll be right for the minute. But, yeah, when it gets to that time, I'll I'll shoot you an email and get those contact details. Well, I guess there's two two parts to it in my mind. Yeah. Like, it it makes sense. That's what you're saying. I think is there any benefit in looking at increasing cert contributions to do something like a self managed super? Oh, you can't live in them and things like that, though, can you? Pretty restrictive. Yeah. Okay. Okay. Yeah. So that's one of the changes. Okay. Yeah. Yeah. I think, yeah, I'll just keep it out of the room. Yeah. Try to push it. Yeah. That makes sense. Yep. Yeah. Yeah. It's been more flexible. Yeah. Yeah. Yeah. Yeah. Awesome. Yeah. Well, yeah, that's that that'll make sense. What is that? Oh, no. No. No. No. For sure. No. I appreciate it. Yeah. Yeah. Yeah. That'll make sense. And yeah. I'm doing that. Yeah. Yeah. Yeah. That's a good approach. Yeah. Cool. Yep. Awesome. Sounds good. Yep. Yeah. Yeah. Definitely came to just have one thing going. That's one instead of both. But, yeah, just depending what projects come up. So, yeah, it's still still a goal to progress into self employed, I suppose. But, yeah, that that's how to say whether that might be three months away or, you know, a couple of years. Just depends on how things unfold. Yeah. Exactly. Probably another. Oh, look. I'm not very well versed in that sort of thing, so I'd be calling you guys and asking for advice. So let me share. Yeah. For sure. Yeah. Definitely. Oh, I'd be cautious for sure. Yeah. I would say it's hard to say between the two, to be honest, but I think, yeah, probably going with the growth option as opposed to the higher higher growth one. Yeah. I think so. Yeah. Yeah. Yeah. Perfect. Sounds good. No. No. I don't think so. It's yeah. That's really good. I thank you. And, yeah, appreciate appreciate your time to run through. Yeah. That sounds perfect. Awesome. Sounds good. Yeah. You're Yeah. Cool. Sounds really good. No. The school pickup and then, yeah, a few things tidy up the suburb, but, no, pretty much there, which is good. Yeah. Alright. Yeah. Thanks. All good. Awesome. Ready. Thanks. You too. 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If you record your name and reason for calling, I'll Speaking. Hello? Yeah. Yeah.\n\nGood. Thanks, sir. Yeah. Yeah. I think so.\n\nIt should be good. Yeah. That's fine. Yep. Full name is Patrick Anthony Gill.\n\nDate of birth is 10/02/1990, and address is Number 6 Teriki Street, Charlestown. Okay. Yeah. Yeah. Yep.\n\nCool. Yeah. Pretty good. Just fine meetings for the next today. So, yeah, just rolling into another one.\n\nThat's all good. How about you? I think I actually just had one canceled, so I've got a little bit of a break this hour, which is good. Yeah. Yeah.\n\nYeah. Yeah. How's your day? Yeah. Yeah.\n\nThat's it. Nice. Nice. It's good. Good.\n\nI've I've got that document here now. So yep. Yep. Yeah. That's okay.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYeah. Yeah. So I actually had an employer that didn't pay any super for about eighteen months or something like that. So I did end up going through Fairtrade and yeah. It'll I'm sorry.\n\nYeah. Just through that process. But, yeah, they're all up to speed now. So it should just be my current employer doing their their standard sort of statutory contributions and yeah. Which is good.\n\nYeah. Yeah. Yeah. Yeah. Cool.\n\nAwesome. K. Awesome. Sounds good. Oh, I think that's fine for now.\n\nYeah. That's good. Thanks. Yeah. Yeah.\n\nOkay. Yes. Yeah. Of course. That makes sense.\n\nYep. Okay. Cool. Yep. Yeah.\n\nI think that's fine. Yeah. Yeah. I think it's I've gone up to $300,000 package in my full time role. And then I've I don't know how this plays into it, but I've got a company set up now for, like, my own consulting services, which is it's about $10.10 grand a month, roughly.\n\nI'm not sure whether I'll pay any of that out to me personally out of the company or if all just keeps in me yet. So I'm not sure whether that, Yeah. Yeah. Just disable the tax, but, yeah, not sure. So Right.\n\nOkay. Yep. Yep. Okay. Yep.\n\nYeah. Of course. Yep. I'll look for Simplicity. I might just keep it consistent.\n\nYeah. It should be fine. Yeah. Okay. Makes sense.\n\nYep. Not really. No. Yeah. K.\n\nCool. Yep. For sure. Yep. No.\n\nNo. I don't have any other policies yet. So that's yeah. Not too sure, to be honest. It does ring a bell, but, yeah, I can't remember why I would have edited it, to be honest.\n\nYeah. I don't know. Yeah. That's fine. I think.\n\nYeah. Check it out. Yeah. Exactly. Yeah.\n\nFor sure. Yeah. Yeah. Yeah. Exactly.\n\nNo. I think that's a good idea. Yeah. Yeah. What is it?\n\n20% under some best performance, is it? So yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Nice. I'm good. Yeah.\n\nCool. Yep. Yeah. Sounds good for sure. Hello?\n\nYeah. Yeah. Cool. Sounds good. Yep.\n\nYeah. Fair enough. Yeah. Awesome. Sure.\n\nYeah. Yeah. No. I think that all makes sense. Yeah.\n\nIt's a good overview. Thanks. Yeah. I guess it just depends on, yeah, what what you recommend and how I look at it on the long term, I suppose, because that's obviously a long term type of approach that I mean. So yeah.\n\nK. Cool. Yep. Yep. Yeah.\n\nNo worries. Sounds good. Okay. Yeah. Cool.\n\nYeah. It makes sense. Yeah. That makes sense. For sure.\n\nNo. I think it's still pretty straightforward. Yeah. Happy to sign for the next one. No.\n\nYeah. I think the main thing is just to be understanding where it goes for the Benelon funds and what you guys checking on there. Yes. Yes. I think it's really good.\n\nYeah. Cool. Yeah. Perfect. That's easy.\n\nNo worries. Yeah. That's correct. Yeah. Yeah.\n\nSo that 300 is 300 including super as well. So it's probably, I don't know, $2.76 or whatever it looks like today. Yeah. Yeah. Yeah.\n\nThat's right. Yeah. Yeah. Cool. I'm sure.\n\nI'm sure. Oh, look. I'd be keen to explore if, you know, some tax efficiencies there. Obviously, that that income, you know, getting taxed through the nose. So if there's any strategies where, you know, I could do some voluntary contributions that might be a bit more efficient on an overall sort of sense when you look at the whole package.\n\nYeah. I'm beginning to understand that for sure. Yeah. Okay. Yep.\n\nYeah. Okay. Fair enough. Yeah. K.\n\nNo. I get that. Yep. Yeah. It does.\n\nYeah. Yeah. I mean, just to yeah. Yeah. Any sort of recommendation you can make within, you know, the confines of what you can do, that'll be that'll be great.\n\nAnd, yeah, I'll be talking to the accountant about it as well. That sounds good. I do. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Nothing's correct. No.\n\nNot that I can recall, but yeah. I haven't finalized it. I've got a draft there, which I need to review. So it's still an opportunity to change anything if I need to. Okay.\n\nOkay. Yeah. That's awesome. Okay. Sounds good.\n\nYeah. Cool. Oh, look. I'd be keen to, yeah, I guess, to speak simply just to avoid that 15% tax. So, yeah, if there's a way that I can keep that money in the pocket, whether it's been super or otherwise, then, yeah, I'd be keen to look at it.\n\nI'll look if yeah. Yeah. If if if I put extra money into super and that avoids that money going to the government in tax, then, yeah, that that's what I began to look at. Just trying to get the money in my pocket, whether it's super or otherwise. Yeah.\n\nJust avoiding that tax. Alright. I see. Yeah. Yeah.\n\nYeah. Okay. Let's see how it works. Yeah. Yeah.\n\nYeah. Absolutely. Seems great. That's it. That's it.\n\nYou work hard and, yeah, hang on in your pocket. Yeah. Awesome. Sounds good. It look, it'd be great if I could earlier.\n\nYeah. I have to say at this point, I guess, still quite a while away. But yeah. I mean, if I can reach our both 16, then I think we'll be doing pretty well. But yeah.\n\nYeah. Yeah. Yeah. Yeah. That's it.\n\nA 100%. Any time you got time with that? Yeah. Look, hard to say with escalation the way that it is. But, yeah, I mean, for it's worth yeah.\n\nIt should be fine. Yeah. Yeah. Oh, look. I think it's probably still about 1.2.\n\nThat might have been a little bit high last time I gave it, so I'd probably just keep it there. A little bit for the $8.20 or something like that. Not much change. Just a Ford Ranger. About four years old, I think.\n\nSo it's probably more like 50, I'd say. Yeah. I know. Right? Oh, I've got a credit card, but that's the $15 credit card that's paid off each month.\n\nSo it's a zero. So yeah. Yeah. Yeah. That's it.\n\nExactly. Yeah. That's alright. Yeah. It tends to end in October.\n\nSo yeah. It is. Yeah. Yeah. Lots of fun.\n\nKeep keep some busy. That's for sure. Yeah. That's right. Yeah.\n\nYeah. That's him. Yeah. Sure. Yep.\n\nIt's cool. Yeah. Look. That's a great question. I'm not actually sure who would pay you the Guardian, and how how do you actually figure that out?\n\nLike, where where does that come from? Okay. Yeah. Of course. Yeah.\n\nOf course. Okay. Yep. Yeah. Okay.\n\nYep. Yeah. Okay. Yep. I don't.\n\nNo. I'd be keen to is that something you guys can help with? Or okay. Right. Okay.\n\nYeah. That sounds great. Yeah. That'd be awesome. Yeah.\n\nSounds good. Thank you. Oh, yeah. Definitely just looking at, you know, property, trying to get a second property and yeah. Yeah.\n\nJust trying to build that wealth, I suppose, in an overall sense. Yeah. Ideally. Yeah. Yeah.\n\nYeah. Yeah. Makes sense. Yeah. Yeah.\n\nYeah. I'll look hold. Yeah. Priority would probably be to try to get the second property just with the growth you can get out of it and things like that. Because you had a plan to be able to buy another property and do it off a flip, whether it's, yeah, renovation or a duplex or something along those lines and, yeah, see where that goes.\n\nI have. Yeah. Yeah. So the the plan that I had in mind was basically I've got my primary place of residence at the moment, the train. And, yeah, I bought that in 2022, so I'd be to, you know, hold on to this and move out.\n\nSo I rented out, which should probably be negative negatively geared, and then, yeah, live in something while renovating it. Something along those lines just depending on what, you know, or what else I can find. And, yeah, going from there, basically. Not yet, but, actually, within the next two to three months, we'll start our process. I think I've actually dealt with is it Grant, the mortgage broker that you guys work with?\n\nYeah. Oh, diddy bugger. He was really good. Yeah. Okay.\n\nGood on him. Yeah. Yeah. Yeah. Yeah.\n\nHe's a champ. Yeah. I'll look at it'll be right for the minute. But, yeah, when it gets to that time, I'll I'll shoot you an email and get those contact details. Well, I guess there's two two parts to it in my mind.\n\nYeah. Like, it it makes sense. That's what you're saying. I think is there any benefit in looking at increasing cert contributions to do something like a self managed super? Oh, you can't live in them and things like that, though, can you?\n\nPretty restrictive. Yeah. Okay. Okay. Yeah.\n\nSo that's one of the changes. Okay. Yeah. Yeah. I think, yeah, I'll just keep it out of the room.\n\nYeah. Try to push it. Yeah. That makes sense. Yep.\n\nYeah. Yeah. It's been more flexible. Yeah. Yeah.\n\nYeah. Yeah. Awesome. Yeah. Well, yeah, that's that that'll make sense.\n\nWhat is that? Oh, no. No. No. No.\n\nFor sure. No. I appreciate it. Yeah. Yeah.\n\nYeah. That'll make sense. And yeah. I'm doing that. Yeah.\n\nYeah. Yeah. That's a good approach. Yeah. Cool.\n\nYep. Awesome. Sounds good. Yep. Yeah.\n\nYeah. Definitely came to just have one thing going. That's one instead of both. But, yeah, just depending what projects come up. So, yeah, it's still still a goal to progress into self employed, I suppose.\n\nBut, yeah, that that's how to say whether that might be three months away or, you know, a couple of years. Just depends on how things unfold. Yeah. Exactly. Probably another.\n\nOh, look. I'm not very well versed in that sort of thing, so I'd be calling you guys and asking for advice. So let me share. Yeah. For sure.\n\nYeah. Definitely. Oh, I'd be cautious for sure. Yeah. I would say it's hard to say between the two, to be honest, but I think, yeah, probably going with the growth option as opposed to the higher higher growth one.\n\nYeah. I think so. Yeah. Yeah. Yeah.\n\nPerfect. Sounds good. No. No. I don't think so.\n\nIt's yeah. That's really good. I thank you. And, yeah, appreciate appreciate your time to run through. Yeah.\n\nThat sounds perfect. Awesome. Sounds good. Yeah. You're Yeah.\n\nCool. Sounds really good. No. The school pickup and then, yeah, a few things tidy up the suburb, but, no, pretty much there, which is good. Yeah.\n\nAlright. Yeah. Thanks. All good. Awesome.\n\nReady. Thanks. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.39999998,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.03573591262102127},{"text":"If you record your name and reason for calling, I'll Speaking.","start":0.79999995,"end":10.42,"sentiment":"neutral","sentiment_score":0.028512208129871975},{"text":"Hello?","start":11.759999,"end":12.259999,"sentiment":"neutral","sentiment_score":0.04438884556293487},{"text":"Yeah.","start":12.719999,"end":13.219999,"sentiment":"neutral","sentiment_score":0.08757957816123962},{"text":"Yeah.","start":14.815,"end":15.315,"sentiment":"neutral","sentiment_score":0.19255128502845764}],"sentiment":"neutral","sentiment_score":0.04492599405348301,"num_words":15,"start":0.39999998,"end":15.315},{"sentences":[{"text":"Good.","start":15.455,"end":15.695,"sentiment":"positive","sentiment_score":0.4862562417984009},{"text":"Thanks, sir.","start":15.695,"end":16.255,"sentiment":"positive","sentiment_score":0.5372622907161713},{"text":"Yeah.","start":16.255,"end":16.755,"sentiment":"neutral","sentiment_score":0.2699223756790161},{"text":"Yeah.","start":23.455,"end":23.575,"sentiment":"neutral","sentiment_score":0.20469841361045835},{"text":"I think so.","start":23.575,"end":24.175,"sentiment":"neutral","sentiment_score":0.2689066429932912}],"sentiment":"positive","sentiment_score":0.35526519268751144,"num_words":8,"start":15.455,"end":24.175},{"sentences":[{"text":"It should be good.","start":24.175,"end":25.075,"sentiment":"positive","sentiment_score":0.4948715716600418},{"text":"Yeah.","start":38.71,"end":38.949997,"sentiment":"neutral","sentiment_score":0.14502133429050446},{"text":"That's fine.","start":38.949997,"end":39.69,"sentiment":"neutral","sentiment_score":0.2967737913131714},{"text":"Yep.","start":47.645,"end":47.885002,"sentiment":"neutral","sentiment_score":0.07809748500585556},{"text":"Full name is Patrick Anthony Gill.","start":47.885002,"end":49.645,"sentiment":"neutral","sentiment_score":0.06264800702532132}],"sentiment":"neutral","sentiment_score":0.22657433790819986,"num_words":14,"start":24.175,"end":49.645},{"sentences":[{"text":"Date of birth is 10/02/1990, and address is Number 6 Teriki Street, Charlestown.","start":49.645,"end":55.745003,"sentiment":"neutral","sentiment_score":0.06343027806052795},{"text":"Okay.","start":67.01,"end":67.41,"sentiment":"neutral","sentiment_score":0.055316485464572906},{"text":"Yeah.","start":67.41,"end":67.65,"sentiment":"neutral","sentiment_score":0.05629119277000427},{"text":"Yeah.","start":67.65,"end":67.97,"sentiment":"neutral","sentiment_score":0.06962476670742035},{"text":"Yep.","start":67.97,"end":68.47,"sentiment":"neutral","sentiment_score":0.10270997136831284}],"sentiment":"neutral","sentiment_score":0.06520800182924551,"num_words":17,"start":49.645,"end":68.47},{"sentences":[{"text":"Cool.","start":72.53,"end":73.03,"sentiment":"positive","sentiment_score":0.44639354944229126},{"text":"Yeah.","start":76.555,"end":76.715004,"sentiment":"neutral","sentiment_score":0.17630714178085327},{"text":"Pretty good.","start":76.715004,"end":77.275,"sentiment":"positive","sentiment_score":0.34545767307281494},{"text":"Just fine meetings for the next today.","start":77.275,"end":78.955,"sentiment":"neutral","sentiment_score":0.2291578629187175},{"text":"So, yeah, just rolling into another one.","start":78.955,"end":80.875,"sentiment":"neutral","sentiment_score":0.1199278895344053}],"sentiment":"neutral","sentiment_score":0.20873423914114633,"num_words":18,"start":72.53,"end":80.875},{"sentences":[{"text":"That's all good.","start":80.875,"end":81.855,"sentiment":"neutral","sentiment_score":0.29768433173497516},{"text":"How about you?","start":82.235,"end":83.215004,"sentiment":"neutral","sentiment_score":0.18179604907830557},{"text":"I think I actually just had one canceled, so I've got a little bit of a break this hour, which is good.","start":86.075005,"end":90.415,"sentiment":"neutral","sentiment_score":-0.030070461417463692},{"text":"Yeah.","start":91.49,"end":91.89,"sentiment":"neutral","sentiment_score":0.07675917446613312},{"text":"Yeah.","start":91.89,"end":92.28999,"sentiment":"neutral","sentiment_score":0.1255951076745987}],"sentiment":"neutral","sentiment_score":0.032641509113212425,"num_words":30,"start":80.875,"end":92.28999},{"sentences":[{"text":"Yeah.","start":92.28999,"end":92.78999,"sentiment":"neutral","sentiment_score":0.07895557582378387},{"text":"Yeah.","start":93.09,"end":93.17,"sentiment":"neutral","sentiment_score":0.0837336927652359},{"text":"How's your day?","start":93.17,"end":94.149994,"sentiment":"neutral","sentiment_score":0.11144998172918956},{"text":"Yeah.","start":99.89,"end":100.39,"sentiment":"neutral","sentiment_score":0.17791712284088135},{"text":"Yeah.","start":100.61,"end":101.11,"sentiment":"positive","sentiment_score":0.34884780645370483}],"sentiment":"neutral","sentiment_score":0.14625773472445353,"num_words":7,"start":92.28999,"end":101.11},{"sentences":[{"text":"That's it.","start":101.25,"end":102.07,"sentiment":"neutral","sentiment_score":0.21327023208141327},{"text":"Nice.","start":102.21,"end":102.53,"sentiment":"positive","sentiment_score":0.6902622580528259},{"text":"Nice.","start":102.53,"end":102.92999,"sentiment":"positive","sentiment_score":0.7417786121368408},{"text":"It's good.","start":102.92999,"end":103.665,"sentiment":"positive","sentiment_score":0.7374007105827332},{"text":"Good.","start":103.905,"end":103.945,"sentiment":"positive","sentiment_score":0.5730162858963013}],"sentiment":"positive","sentiment_score":0.558057005916323,"num_words":7,"start":101.25,"end":103.945},{"sentences":[{"text":"I've I've got that document here now.","start":103.945,"end":105.985,"sentiment":"neutral","sentiment_score":0.2974836996623448},{"text":"So yep.","start":105.985,"end":115.685,"sentiment":"neutral","sentiment_score":0.22807437181472778},{"text":"Yep.","start":120.88,"end":121.38,"sentiment":"neutral","sentiment_score":0.18488019704818728},{"text":"Yeah.","start":122.159996,"end":122.479996,"sentiment":"neutral","sentiment_score":0.1502232849597931},{"text":"That's okay.","start":122.479996,"end":123.38,"sentiment":"neutral","sentiment_score":0.11520825326442719}],"sentiment":"neutral","sentiment_score":0.23877343306174645,"num_words":13,"start":103.945,"end":123.38},{"sentences":[{"text":"Yep.","start":139.095,"end":139.595,"sentiment":"neutral","sentiment_score":0.06484564393758774},{"text":"Yep.","start":152.81,"end":153.31,"sentiment":"neutral","sentiment_score":0.06757351011037827},{"text":"Yeah.","start":203.515,"end":203.75499,"sentiment":"neutral","sentiment_score":0.0936315655708313},{"text":"Okay.","start":203.75499,"end":204.075,"sentiment":"neutral","sentiment_score":0.09209166467189787},{"text":"Yep.","start":204.075,"end":204.575,"sentiment":"neutral","sentiment_score":0.10808911919593812}],"sentiment":"neutral","sentiment_score":0.08524630069732667,"num_words":5,"start":139.095,"end":204.575},{"sentences":[{"text":"Yeah.","start":219.355,"end":219.675,"sentiment":"neutral","sentiment_score":0.014956292696297169},{"text":"Yeah.","start":219.675,"end":219.915,"sentiment":"neutral","sentiment_score":0.014803129248321056},{"text":"So I actually had an employer that didn't pay any super for about eighteen months or something like that.","start":219.915,"end":224.895,"sentiment":"neutral","sentiment_score":-0.013671512568467542},{"text":"So I did end up going through Fairtrade and yeah.","start":225.115,"end":228.235,"sentiment":"neutral","sentiment_score":0.0424515824764967},{"text":"It'll I'm sorry.","start":228.235,"end":229.935,"sentiment":"neutral","sentiment_score":0.023481986795862515}],"sentiment":"neutral","sentiment_score":0.007793013773420278,"num_words":34,"start":219.355,"end":229.935},{"sentences":[{"text":"Yeah.","start":231.18,"end":231.34,"sentiment":"neutral","sentiment_score":0.040500350296497345},{"text":"Just through that process.","start":231.34,"end":232.3,"sentiment":"neutral","sentiment_score":0.04914194718003273},{"text":"But, yeah, they're all up to speed now.","start":232.3,"end":234.78,"sentiment":"neutral","sentiment_score":0.21615378931164742},{"text":"So it should just be my current employer doing their their standard sort of statutory contributions and yeah.","start":234.78,"end":242.31999,"sentiment":"neutral","sentiment_score":0.13648753778802025},{"text":"Which is good.","start":242.45999,"end":243.28,"sentiment":"positive","sentiment_score":0.38587477803230286}],"sentiment":"neutral","sentiment_score":0.16413819022914944,"num_words":34,"start":231.18,"end":243.28},{"sentences":[{"text":"Yeah.","start":246.765,"end":247.08499,"sentiment":"neutral","sentiment_score":0.12487060576677322},{"text":"Yeah.","start":247.08499,"end":247.245,"sentiment":"neutral","sentiment_score":0.09958191215991974},{"text":"Yeah.","start":247.245,"end":247.565,"sentiment":"neutral","sentiment_score":0.06317915767431259},{"text":"Yeah.","start":247.565,"end":248.065,"sentiment":"neutral","sentiment_score":0.06347324699163437},{"text":"Cool.","start":277.605,"end":278.105,"sentiment":"positive","sentiment_score":0.41062015295028687}],"sentiment":"neutral","sentiment_score":0.15234501510858536,"num_words":5,"start":246.765,"end":278.105},{"sentences":[{"text":"Awesome.","start":278.165,"end":278.665,"sentiment":"positive","sentiment_score":0.5159308314323425},{"text":"K.","start":290.13,"end":290.63,"sentiment":"neutral","sentiment_score":0.19704729318618777},{"text":"Awesome.","start":294.29,"end":294.79,"sentiment":"positive","sentiment_score":0.6256267428398132},{"text":"Sounds good.","start":294.85,"end":295.67,"sentiment":"positive","sentiment_score":0.6315784454345703},{"text":"Oh, I think that's fine for now.","start":334.81497,"end":336.175,"sentiment":"neutral","sentiment_score":0.18551414992128099}],"sentiment":"neutral","sentiment_score":0.32503006731470424,"num_words":12,"start":278.165,"end":336.175},{"sentences":[{"text":"Yeah.","start":336.175,"end":336.41498,"sentiment":"positive","sentiment_score":0.3745939731597901},{"text":"That's good.","start":336.41498,"end":336.895,"sentiment":"positive","sentiment_score":0.6612478494644165},{"text":"Thanks.","start":336.895,"end":337.395,"sentiment":"positive","sentiment_score":0.7482097148895264},{"text":"Yeah.","start":338.495,"end":338.995,"sentiment":"neutral","sentiment_score":0.1719309687614441},{"text":"Yeah.","start":372.145,"end":372.38498,"sentiment":"neutral","sentiment_score":-0.04409465938806534}],"sentiment":"positive","sentiment_score":0.42885594939192134,"num_words":6,"start":336.175,"end":372.38498},{"sentences":[{"text":"Okay.","start":372.38498,"end":372.88498,"sentiment":"neutral","sentiment_score":-0.020802512764930725},{"text":"Yes.","start":400.01498,"end":400.51498,"sentiment":"neutral","sentiment_score":0.015671147033572197},{"text":"Yeah.","start":412.61002,"end":412.93002,"sentiment":"neutral","sentiment_score":0.033591970801353455},{"text":"Of course.","start":412.93002,"end":413.33002,"sentiment":"neutral","sentiment_score":0.048521049320697784},{"text":"That makes 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fine.","start":433.66,"end":434.54,"sentiment":"positive","sentiment_score":0.43373292684555054},{"text":"Yeah.","start":434.54,"end":435.04,"sentiment":"positive","sentiment_score":0.41343098878860474},{"text":"Yeah.","start":462.77002,"end":463.09,"sentiment":"neutral","sentiment_score":0.04560769349336624},{"text":"I think it's I've gone up to $300,000 package in my full time role.","start":463.09,"end":468.71002,"sentiment":"neutral","sentiment_score":0.044212469298924716},{"text":"And then I've I don't know how this plays into it, but I've got a company set up now for, like, my own consulting services, which is it's about $10.10 grand a month, roughly.","start":470.21002,"end":481.565,"sentiment":"neutral","sentiment_score":-0.0033529669539455105}],"sentiment":"neutral","sentiment_score":0.04998044598916614,"num_words":54,"start":433.66,"end":481.565},{"sentences":[{"text":"I'm not sure whether I'll pay any of that out to me personally out of the company or if all just keeps in me yet.","start":482.82498,"end":488.425,"sentiment":"neutral","sentiment_score":-0.23806854724884033},{"text":"So I'm not sure whether that, Yeah.","start":488.425,"end":490.4,"sentiment":"neutral","sentiment_score":-0.13213224868689263},{"text":"Yeah.","start":490.4,"end":490.9,"sentiment":"neutral","sentiment_score":-0.028346681967377663},{"text":"Just disable the tax, but, yeah, not sure.","start":491.28,"end":494.56,"sentiment":"neutral","sentiment_score":-0.07521076733246446},{"text":"So Right.","start":494.56,"end":533.325,"sentiment":"neutral","sentiment_score":0.006116840988397598}],"sentiment":"neutral","sentiment_score":-0.1742892688530129,"num_words":43,"start":482.82498,"end":533.325},{"sentences":[{"text":"Okay.","start":533.325,"end":533.645,"sentiment":"neutral","sentiment_score":0.07424157857894897},{"text":"Yep.","start":533.645,"end":533.965,"sentiment":"neutral","sentiment_score":0.06192055344581604},{"text":"Yep.","start":533.965,"end":534.465,"sentiment":"neutral","sentiment_score":0.05459728091955185},{"text":"Okay.","start":547.08,"end":547.58,"sentiment":"neutral","sentiment_score":-0.017179815098643303},{"text":"Yep.","start":547.8,"end":548.3,"sentiment":"neutral","sentiment_score":-0.07905890047550201}],"sentiment":"neutral","sentiment_score":0.01890413947403431,"num_words":5,"start":533.325,"end":548.3},{"sentences":[{"text":"Yeah.","start":549.8,"end":550.12,"sentiment":"neutral","sentiment_score":-0.09997645020484924},{"text":"Of 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train.","start":2492.2048,"end":2498.79,"sentiment":"neutral","sentiment_score":0.0015488547961349072},{"text":"And, yeah, I bought that in 2022, so I'd be to, you know, hold on to this and move out.","start":2500.21,"end":2505.65,"sentiment":"neutral","sentiment_score":-0.018887396094214637}],"sentiment":"neutral","sentiment_score":-0.009152634260665744,"num_words":47,"start":2491.005,"end":2505.65},{"sentences":[{"text":"So I rented out, which should probably be negative negatively geared, and then, yeah, live in something while renovating it.","start":2505.65,"end":2513.955,"sentiment":"neutral","sentiment_score":-0.10893133915960788},{"text":"Something along those lines just depending on what, you know, or what else I can find.","start":2514.5752,"end":2518.675,"sentiment":"neutral","sentiment_score":-0.06678728922270238},{"text":"And, yeah, going from there, basically.","start":2519.935,"end":2521.715,"sentiment":"neutral","sentiment_score":0.003947469561050336},{"text":"Not yet, but, actually, within the next two to three months, we'll start our process.","start":2532.14,"end":2535.92,"sentiment":"neutral","sentiment_score":0.0089329294860363},{"text":"I think I've actually dealt with is it Grant, the mortgage broker that you guys work with?","start":2554.8,"end":2559.7,"sentiment":"neutral","sentiment_score":0.018643437446478534}],"sentiment":"neutral","sentiment_score":-0.037467651547411,"num_words":74,"start":2505.65,"end":2559.7},{"sentences":[{"text":"Yeah.","start":2560.8801,"end":2561.3801,"sentiment":"neutral","sentiment_score":0.006695343181490898},{"text":"Oh, diddy bugger.","start":2561.7952,"end":2562.7551,"sentiment":"neutral","sentiment_score":-0.03044180975606044},{"text":"He was really 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minute.","start":2571.5552,"end":2573.475,"sentiment":"neutral","sentiment_score":0.08791603479120466},{"text":"But, yeah, when it gets to that time, I'll I'll shoot you an email and get those contact details.","start":2573.475,"end":2587.47,"sentiment":"neutral","sentiment_score":0.06701705251869403},{"text":"Well, I guess there's two two parts to it in my mind.","start":2592.665,"end":2595.885,"sentiment":"neutral","sentiment_score":0.02395926609945794}],"sentiment":"neutral","sentiment_score":0.08421483756551011,"num_words":44,"start":2570.0352,"end":2595.885},{"sentences":[{"text":"Yeah.","start":2597.3052,"end":2597.625,"sentiment":"neutral","sentiment_score":0.10870157182216644},{"text":"Like, it it makes sense.","start":2597.625,"end":2598.905,"sentiment":"neutral","sentiment_score":0.16412718892097472},{"text":"That's what you're saying.","start":2598.905,"end":2599.945,"sentiment":"neutral","sentiment_score":0.16328312456607819},{"text":"I think is there any benefit in looking at increasing cert contributions to do something like a self managed super?","start":2599.945,"end":2607.36,"sentiment":"neutral","sentiment_score":0.17642287947237492},{"text":"Oh, you can't live in them and things like that, though, can you?","start":2608.22,"end":2610.9402,"sentiment":"neutral","sentiment_score":-0.1678511110635904}],"sentiment":"neutral","sentiment_score":0.06811309675144595,"num_words":43,"start":2597.3052,"end":2610.9402},{"sentences":[{"text":"Pretty restrictive.","start":2610.9402,"end":2611.76,"sentiment":"negative","sentiment_score":-0.3773820549249649},{"text":"Yeah.","start":2614.1401,"end":2614.6401,"sentiment":"neutral","sentiment_score":-0.04267782345414162},{"text":"Okay.","start":2624.7852,"end":2625.2852,"sentiment":"neutral","sentiment_score":-0.05374325066804886},{"text":"Okay.","start":2631.185,"end":2631.685,"sentiment":"neutral","sentiment_score":-0.06140970438718796},{"text":"Yeah.","start":2635.22,"end":2635.54,"sentiment":"neutral","sentiment_score":-0.06513985991477966}],"sentiment":"neutral","sentiment_score":-0.16295579137901464,"num_words":6,"start":2610.9402,"end":2635.54},{"sentences":[{"text":"So that's one of the 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sure.","start":2815.875,"end":2816.435,"sentiment":"neutral","sentiment_score":-0.03358889929950237},{"text":"No.","start":2816.435,"end":2816.595,"sentiment":"neutral","sentiment_score":-0.08638477325439453},{"text":"I appreciate it.","start":2816.595,"end":2817.45,"sentiment":"neutral","sentiment_score":0.03265454868475596},{"text":"Yeah.","start":2851.83,"end":2852.33,"sentiment":"neutral","sentiment_score":0.06282199174165726},{"text":"Yeah.","start":2852.8699,"end":2853.3699,"sentiment":"neutral","sentiment_score":0.012515719048678877}],"sentiment":"neutral","sentiment_score":0.0024673481239005923,"num_words":8,"start":2815.875,"end":2853.3699},{"sentences":[{"text":"Yeah.","start":2856.31,"end":2856.55,"sentiment":"neutral","sentiment_score":0.039938319474458694},{"text":"That'll make sense.","start":2856.55,"end":2857.35,"sentiment":"neutral","sentiment_score":0.08731220910946529},{"text":"And 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still a goal to progress into self employed, I suppose.","start":2914.905,"end":2920.125,"sentiment":"neutral","sentiment_score":0.04997544123658112}],"sentiment":"neutral","sentiment_score":0.05217417352186102,"num_words":36,"start":2906.42,"end":2920.125},{"sentences":[{"text":"But, yeah, that that's how to say whether that might be three months away or, you know, a couple of years.","start":2921.625,"end":2925.8306,"sentiment":"neutral","sentiment_score":-0.036224985317814914},{"text":"Just depends on how things unfold.","start":2925.8306,"end":2926.105,"sentiment":"neutral","sentiment_score":-0.028168452593187492},{"text":"Yeah.","start":2926.105,"end":2926.355,"sentiment":"neutral","sentiment_score":0.003620761912316084},{"text":"Exactly.","start":2926.355,"end":2926.855,"sentiment":"neutral","sentiment_score":0.014083757065236568},{"text":"Probably 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good.","start":3290.57,"end":3291.55,"sentiment":"positive","sentiment_score":0.7268687685330709},{"text":"No.","start":3301.105,"end":3301.345,"sentiment":"neutral","sentiment_score":-0.1007220596075058},{"text":"The school pickup and then, yeah, a few things tidy up the suburb, but, no, pretty much there, which is good.","start":3301.345,"end":3306.165,"sentiment":"neutral","sentiment_score":-0.02261999967907156},{"text":"Yeah.","start":3311.585,"end":3311.985,"sentiment":"neutral","sentiment_score":0.25096210837364197}],"sentiment":"neutral","sentiment_score":0.08863427621070985,"num_words":27,"start":3290.1702,"end":3311.985},{"sentences":[{"text":"Alright.","start":3311.985,"end":3312.465,"sentiment":"neutral","sentiment_score":0.19584867358207703},{"text":"Yeah.","start":3312.465,"end":3312.865,"sentiment":"neutral","sentiment_score":0.19974860548973083},{"text":"Thanks.","start":3312.865,"end":3313.365,"sentiment":"positive","sentiment_score":0.4563778042793274},{"text":"All good.","start":3313.665,"end":3314.325,"sentiment":"positive","sentiment_score":0.4835444688796997},{"text":"Awesome.","start":3314.945,"end":3315.345,"sentiment":"positive","sentiment_score":0.6872827410697937}],"sentiment":"positive","sentiment_score":0.41772446036338806,"num_words":6,"start":3311.985,"end":3315.345},{"sentences":[{"text":"Ready.","start":3315.345,"end":3315.845,"sentiment":"positive","sentiment_score":0.6142840385437012},{"text":"Thanks.","start":3316.395,"end":3316.895,"sentiment":"positive","sentiment_score":0.5451806783676147},{"text":"You too.","start":3317.195,"end":3317.595,"sentiment":"neutral","sentiment_score":0.3088737428188324},{"text":"Bye.","start":3317.595,"end":3318.095,"sentiment":"neutral","sentiment_score":0.25153467059135437}],"sentiment":"positive","sentiment_score":0.40574937462806704,"num_words":5,"start":3315.345,"end":3318.095}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll Speaking.\n\nChannel 0: Hi, Patrick.\n\nChannel 1: Hello?\n\nChannel 0: It's Dana from\n\nChannel 1: Yeah.\n\nChannel 0: Okie Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thanks, sir. Yeah.\n\nChannel 0: Yeah. Very well. Thank you. Thanks for asking. I had you booked in today to go through your annual review.\n\nIs now still a good time there for you?\n\nChannel 1: Yeah. I think so. It should be good.\n\nChannel 0: Yeah. All good. All good. I'll try not to take up too much of your time, but just touching on the things that we do need to for you. Before we jump into the call there, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Full name is Patrick Anthony Gill. Date of birth\n\nChannel 0: Yep.\n\nChannel 1: is 10/02/1990, and address\n\nChannel 0: Yep.\n\nChannel 1: is Number 6 Teriki Street, Charlestown.\n\nChannel 0: Beautiful. Thank you so much for that. I do normally send through some annual review documents to you just to kinda go through as we are going through your annual review. Are you able to access your email, sir, at the moment?\n\nChannel 1: Okay. Yeah. Yeah. Yep.\n\nChannel 0: Yes. Fantastic. I'm just gonna press send on this one for you so it pops through fairly\n\nChannel 1: Cool.\n\nChannel 0: quickly. And how's your day been so far?\n\nChannel 1: Yeah. Pretty good. Just fine meetings for the next today. So, yeah, just rolling into another one. That's\n\nChannel 0: Oh,\n\nChannel 1: all good. How about you?\n\nChannel 0: wow. When's when's your next one?\n\nChannel 1: I think I actually just had one canceled, so I've got a little bit of a break this hour, which is\n\nChannel 0: Oh,\n\nChannel 1: good.\n\nChannel 0: that would be nice.\n\nChannel 1: Yeah.\n\nChannel 0: That'll\n\nChannel 1: Yeah.\n\nChannel 0: be nice.\n\nChannel 1: Yeah. Yeah. How's your day?\n\nChannel 0: Yeah. Busy back to back today, but that's okay. I like it that way. Let's get things done, head towards the weekend,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: nice and productive.\n\nChannel 1: That's it. Nice. Nice. It's good.\n\nChannel 0: Yeah.\n\nChannel 1: Good. I've I've got that document here now. So\n\nChannel 0: Oh, fantastic. So when you open the email up, it does ask to have a little section where it says sign. If you can press that button, so it allows you to continue through, it\n\nChannel 1: yep.\n\nChannel 0: will not ask you to sign anything you haven't read. So it's just that you can view each of the documents there.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: That's\n\nChannel 0: the first\n\nChannel 1: okay.\n\nChannel 0: yeah. So the first one you'll see there is, obviously, your summary of superannuation and insurances. So it gives you an updated balance as of the August 18, so when we did these documents up, of a $196,729.37 there. I'm\n\nChannel 1: Yep.\n\nChannel 0: just having a quick look into hub twenty four to see your updated balance from last week just to kinda give you an updated change. So balance as of today's date was sitting at a $196,340 there now. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the balance last year so when I sort of look at how your portfolio has performed, your balance as of this time last year, you were sitting at a $146,006.69 and 40¢. So your balance has definitely increased, essentially, when I sort of look at the returns to the growth and the income within the fund for the last twelve months there, the net return after fees does show you up 7.31%. So it's not a bad return for what has happened in the markets there. You are in that high growth kind of environment. So, realistically, you're sort of looking to try and get a return.\n\nIt's about eight to 10% on a yearly basis. So it is a little bit under where we'd sorta like it to be. But with what's been happening this year globally, the market's going up and down a little bit. Bit of volatility out there. Coming up with a 7% return net of fees is actually quite good.\n\nOkay.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Yeah. Excellent. I also wanted to just double check. Now your contributions, your employer had some back pay that they were trying to that you they needed to owe you with contributions wise too. It looks like you had some extra contributions going last financial year.\n\nChannel 1: Yeah. Yeah. So I actually had an employer that didn't pay any super for about eighteen months or something like that. So\n\nChannel 0: Oh\n\nChannel 1: I did\n\nChannel 0: god.\n\nChannel 1: end up going through Fairtrade and yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It'll I'm sorry. Yeah. Just through that process. But, yeah, they're all up to speed now. So it should just be my current employer doing their their standard sort of statutory contributions and\n\nChannel 0: Oh, okay.\n\nChannel 1: yeah. Which is good.\n\nChannel 0: Yeah. Beautiful. Yeah. I'm glad they all got up to date for you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So,\n\nChannel 1: Yeah.\n\nChannel 0: realistically,\n\nChannel 1: Yeah.\n\nChannel 0: when you sort of look at your contribution for the last financial year, you had about 45,418 going in there. So it did exceed the cap by a little over $15,400. But when I went back just to have a look, the year prior, so the 2025 financial year, you had about 16,000 in cap based there. And because your balance is under that 500,000 as of the June 30 the year prior, you are eligible to use that carry forward contribution. So\n\nChannel 1: Cool.\n\nChannel 0: if you\n\nChannel 1: Awesome.\n\nChannel 0: if you do sort of look at your super and realize you had a lot of contributions going in last year, that's okay. You did exceed the cap, but you do have caps based on prior years, and you are eligible to use those. So that should\n\nChannel 1: K.\n\nChannel 0: all be fine. There shouldn't be any negative consequences for you on that one there. Okay?\n\nChannel 1: Awesome. Sounds good.\n\nChannel 0: Excellent. The other thing I sorta had noted here was your your insurances. So having a look at that same document there, you can see your ClearView Life and CBD cover. Your ClearView Life cover shows that you have a sum insured of 2,053,155 there. If you think about the level of cover that you're after that you need, realistically, if you were to hypothetically pass away today, the level of cover there, the 2,000,053 is fully paid out, but then your super balance is paid out on top of that.\n\nWhen you sort of think of your circumstances, do you feel like that's an appropriate level of cover? Did you wanna look at altering that in any way, shape, or form?\n\nChannel 1: Oh, I think that's fine for now. Yeah. That's good.\n\nChannel 0: Happy\n\nChannel 1: Thanks.\n\nChannel 0: to leave it as is. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: And you've also got your total permanent disability cover there as well, which does cover you for a little bit less. The city at 1000900And3300And13. One of the things I do kinda like to make sure people are aware, if you do claim on TBD, so you're permanently unable to ever go back to work again, if you do claim on that cover, you're under the age of 60 and you withdraw the funds out, there are taxation consequences for it. I think it's personally not a great thing. But tax on TBD claims when they are paid out is up to 22%.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: you theoretically\n\nChannel 1: Okay.\n\nChannel 0: if you claim on that, withdraw the whole thing at at your current age, it would have to tax consequences there. We say it's up to 22% because there is a bit of a math equation there, which means the tax consequences could be less. It goes on a few different factors. But if you happen to claim on that, we would provide advice to help assist you, keep the funds working as long as possible, allow you to draw down what you needed to and how to, you know, minimize those tax consequences as much as possible. So I just\n\nChannel 1: Yes.\n\nChannel 0: like to make sure that you're aware of that, that, you know, no we're not hiding anything with regard to how that works, but making sure that, you know, you you're aware that we would certainly help you to provide advice in that area if you were to claim. Okay?\n\nChannel 1: Yeah. Of course. That makes sense. Yep.\n\nChannel 0: Excellent. Perfect. Also, the other side of that is if you did claim on TBD, we can also claim incapacity against your super. So there is a chance you could also get your super released under that for you. Okay?\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: Excellent. All good. So with the level of TBD, are you still fairly comfortable with that level of cover?\n\nChannel 1: Yeah. I think that's fine. Yeah.\n\nChannel 0: Yeah. All good. No worries at all. I've also got your income protection covered there as well. So you can sort of see your income protection benefit currently has some insured monthly pretax benefit of $13,018.18 dollars there.\n\nIncome wise, so you can be covered up to 70% of your, technically, gross income. What is your expected income for this year, do you think? We had about 210,000 last\n\nChannel 1: Yeah. I think it's I've gone up to $300,000 package\n\nChannel 0: year.\n\nChannel 1: in my full\n\nChannel 0: Okay.\n\nChannel 1: time role.\n\nChannel 0: Yep.\n\nChannel 1: And then I've I don't know how this plays into it, but I've got a company set up now for, like, my own\n\nChannel 0: Mhmm.\n\nChannel 1: consulting services, which is\n\nChannel 0: Yep.\n\nChannel 1: it's about $10.10 grand a month, roughly.\n\nChannel 0: Okay. Yep.\n\nChannel 1: I'm not sure whether I'll pay any of that out to me personally out of the company or if all just keeps in me yet. So I'm not sure\n\nChannel 0: Keep\n\nChannel 1: whether\n\nChannel 0: it in\n\nChannel 1: that,\n\nChannel 0: there.\n\nChannel 1: Yeah. Yeah. Just disable the tax, but, yeah, not sure. So\n\nChannel 0: No. That's okay. So, realistically, when you think about income protection and how it works, you can be covered for up to 70% of your total gross income. But if you are able to earn income sort of so as an example, like, if you broke your leg and you couldn't go to your full time occupation, but you could still, you know, do some work from home and or earn some income from your self employed or from your company, they would look at how you could do that. And, theoretically, you could they would they could adjust the amount that you're able to claim and reduce the amount that you're able to receive in the income protection claim by what you can receive from your self employed business.\n\nSo,\n\nChannel 1: Right. Okay.\n\nChannel 0: realistically,\n\nChannel 1: Yep. Yep.\n\nChannel 0: insurers will look at what you're able to what you're insured for, what you made prior to disability, and then they're also gonna look at are you able to earn any of this income whilst you're currently off work so that they can try to reduce the claim. As you can imagine,\n\nChannel 1: Okay.\n\nChannel 0: insurance companies\n\nChannel 1: Yep.\n\nChannel 0: are trying to pay as lesser\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: Of course.\n\nChannel 0: as little as little of the claim as possible, essentially.\n\nChannel 1: Yep.\n\nChannel 0: We're sort of looking at that. Now based on just your full time income of that 300,000, that would essentially see us requiring a monthly benefit about 17,500. But if you look at your circumstances and your current scenario, it would that 13,018 on a monthly benefit pretax, would that cover majority of your expenses? Would you need to maybe look at increasing the income protection benefit to cover you? How do you sort of feel about that?\n\nChannel 1: I'll look for Simplicity. I might just keep it consistent.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. It should be fine.\n\nChannel 0: That's okay. If anything comes to mind, you decide you wanted to sort of look at that in more detail, let me know. I'm more than happy to do so. We do review these every year with you. But, yes, it's about making sure that you're got the right level of cover that suits you, but that you're not also overpaying for insurances because that those funds do come out of your super.\n\nAnd insurances do get more expensive as you get older as well, and that can have a greater effect on your\n\nChannel 1: Yeah.\n\nChannel 0: retirement income. Okay.\n\nChannel 1: Okay. Makes sense. Yep.\n\nChannel 0: Yeah. Perfect. You've also got a thirty day waiting period there. Do you know how your waiting and benefit periods work with the income protection policy?\n\nChannel 1: Not really. No.\n\nChannel 0: No. That's okay. A thirty day waiting period essentially means you just have to be off work for thirty days prior to being able to make the claim. So, essentially, we'd sort of say if it if anything was to happen and you felt you were gonna make that waiting period to let us know straight away, we'll let the insurer know. They'll start the waiting period from the first day that you were off work.\n\nOnce that thirty day hits, then the insurance can can be submitted. It can take another thirty odd days depending on the insurer to pay out the claim. So you are often paid in arrears. So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through. So you realistically are not receiving an income for about sixty days with that one.\n\nWith the benefit period, it's how long you can be on a claim for. So if you were to be on a claim, if you were to, you know, be offered a five year period, at the end of the benefit period of five years, they will stop the claim regardless of whether you're able to go back to work or not. So, realistically, most claims are dealt within within the first sort of two years. As you can imagine, insurers don't wanna pay claims for long periods of time. So as soon as you're off work, they're trying to find ways to get you back to work and seek rehabilitation and things like that.\n\nBut this just means that at five years, that claim stops regardless for you. Okay?\n\nChannel 1: Yeah. K. Cool. Yep.\n\nChannel 0: Yep. Beautiful. At the moment, the amount that you have paid for the policy is $2,380.36. That's how much came out of your super fund. But the total amount the insurer actually received was 2,800 for the policy.\n\nSo I'll just keep reviewing this with you each year. They as I said, they are gonna get more expensive over time, so we wanna make sure the policy stays in line with what you needed to cover, but also making sure we're not eating away too much of your sleep down the track there as well. Okay?\n\nChannel 1: For sure. Yep.\n\nChannel 0: Excellent. All good. The only other thing I can sort of see is you don't have any it looks like originally, we had recommended trauma cover. Obviously, this doesn't have trauma on there. Do you still have that cover?\n\nAre you still paying for trauma out of your back pocket, or you don't have any additional insurances outside of that lifekeeping income protection?\n\nChannel 1: No. No. I don't have any other policies yet. So that's yeah.\n\nChannel 0: Okay. No. That's okay. Just an having a look at the advice talking back initially, we had recommended the trauma policy. Do you remember kinda going through that recommendation with Tarek and sort of what the conversation was around that and if you'd sort of taken that policy at any\n\nChannel 1: Not too sure, to be honest. It does ring a bell, but, yeah, I can't\n\nChannel 0: point.\n\nChannel 1: remember\n\nChannel 0: No.\n\nChannel 1: why\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: would have edited it, to be honest.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. That's alright. Do\n\nChannel 1: I\n\nChannel 0: you feel like you're comfortable not paying\n\nChannel 1: don't\n\nChannel 0: for anything additional? You're happy with just\n\nChannel 1: know.\n\nChannel 0: the life keeping in income protection?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine. I\n\nChannel 0: Beautiful.\n\nChannel 1: think. Yeah. Check it out.\n\nChannel 0: That's okay. I mean, realistically, when you think about all the things we can be insured for for us, our dogs, our pets, our\n\nChannel 1: Yeah.\n\nChannel 0: house,\n\nChannel 1: Exactly.\n\nChannel 0: and contacts,\n\nChannel 1: Yeah.\n\nChannel 0: we can basically be forking out millions of dollars a year just insurance premiums at this rate. So\n\nChannel 1: For sure. Yeah. Yeah. Yeah. Exactly.\n\nChannel 0: excellent. All good. If you would just go to the next document for me, the next one along is your performance report here. So this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed. Majority of them have performed really well for the year, and you have received your really good return at 7.31%.\n\nHowever, I can see the top that that been along Australian equities is underperforming slightly, and I think that's also having a bit of an effect on your super. So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations. I definitely wanna look at pulling that investment out of there. One of the things and one of the things that having Bennelong in that is that Bennelong is supposed to be an actively managed fund. So the investment manager within that fund is trying to outperform against the market, trying to pick the top of the bottom and pick investments to buy into at certain times.\n\nThey haven't been able to do that. It is holding your portfolio back a little bit there at the moment, so I do wanna remove it out. We could realistically keep it in there for a bit longer, but when you sort of look at the market as a whole, as much as the market has had those ups and downs, the Australian market is actually performing quite well at the moment. And I can sort of show you why. If you look to three down from the Benelong Australian Equities, you've got the keywords invest as the Raffy.\n\nThat is actually giving you exposure to Australian equities as well, and that's up by 15.03%. And the other thing to look at is the American market because we tend to follow suit with the American market as well. And the iShares S and P five hundred, you're up by 10.91% there. So when I look at the Australian and international markets, and they're performing quite well, but then this one Australian investment isn't doing so well, it's less to do with the markets as a whole, and it's more to do with the investment as such. So if you're comfortable, I'd like to replace that with something else and look at keeping your super working a bit harder.\n\nDo you have any questions and or concerns about that?\n\nChannel 1: No. I think that's a good idea. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: What\n\nChannel 0: Yep.\n\nChannel 1: is it? 20% under some best performance, is it?\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah. We'd rather not compound and not do any worse than that. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we can look at switching it out. And because it is down at the moment, I can look at the rest of your portfolio and see where there might be some other changes that we need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try and\n\nChannel 1: Yeah.\n\nChannel 0: offset\n\nChannel 1: Okay.\n\nChannel 0: those as much as possible for you. Okay?\n\nChannel 1: Yeah. Nice. I'm good.\n\nChannel 0: Excellent. The other thing I am looking at is the bank hybrids there. They are more of a defensive lower risk investment, and they have done really well. However, down the track, the government is actually phasing those out. So I feel like it's probably a good chance to remove them now.\n\nThat way, we don't have to make those changes down the track there for you. Let's update the portfolio as a whole while we can make it\n\nChannel 1: Yeah.\n\nChannel 0: easier.\n\nChannel 1: Cool.\n\nChannel 0: How does that sound?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Sounds good for sure.\n\nChannel 0: Excellent. Everything else, though, is working really well. We have seen I think it's property at the bottom. There's the only other one that isn't performing as well, and I'll review that one for you just to sorta make sure if we need to move that, we will.\n\nChannel 1: Hello?\n\nChannel 0: But, otherwise, the market as a whole with the volatility we are seeing, they have still performed nicely, and we are still, you know, up at the moment. So it's just about going through those ups and downs and the volatility\n\nChannel 1: Yeah.\n\nChannel 0: that we generally see. But I can see some chances here to change your portfolio over, so I will do that for you and review the super for you to make sure everything continues to work\n\nChannel 1: Yeah. Cool. Sounds good.\n\nChannel 0: harder. Okay? Excellent. All good. The next page of that same document just outlines the internal rate of return and shows that you have received a 7.31% for the year net of fees, and the total earnings of that is just over $14,000 a year.\n\nSo we wanna compound and keep that working harder for you so that your balance increases over time. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I did also have a quick look at since inception as well because just sort of see, you've been on for three years now. Your total performance over the past three, sorry, three years, you've averaged about 32.21. So when I kinda go back and average it out over the each year individually, it's essentially about a 10.73% return. So, realistically,\n\nChannel 1: Yeah. Fair\n\nChannel 0: your\n\nChannel 1: enough.\n\nChannel 0: portfolio has been working and compounding nicely since you came on board there just to kinda give you a bit of a an update on the total. But, no,\n\nChannel 1: Yeah.\n\nChannel 0: very\n\nChannel 1: Awesome.\n\nChannel 0: happy with how things are tracking. We just wanna keep evolving and making it work. Realistically, investments that might have been great a couple of years ago do need to be updated every couple of years depending on how markets change over\n\nChannel 1: Sure.\n\nChannel 0: time. So it is\n\nChannel 1: Yeah.\n\nChannel 0: good to review it with you. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: No.\n\nChannel 0: you have any questions about the super, the performance, the investments, or anything like that so far?\n\nChannel 1: I think that all makes sense. Yeah. It's a good overview.\n\nChannel 0: Yep.\n\nChannel 1: Thanks.\n\nChannel 0: Fantastic. Excellent. That's the main documents there. The next documents along you'll see is the Vanguard index chart, and that's essentially showing you a bit of an update on how markets perform. I tend to use it as a bit of a guide to sort of you say this is how markets go up and down.\n\nThis is what's kind of expected there. With your portfolio, you're actually in a high growth environment. So when you sort of are looking at that chart, you can see this first one is The US shares. Essentially, with that, it's a growth asset. So you're theoretically about 90% invested in this as a growth asset.\n\nSo US shares, Australian shares, international shares, and listed properties. So you are taking a bit more risk in the market to try and get greater potential returns. But as your balance increases, smaller changes and even smaller dips in the market are gonna have a bigger effect, and you might feel them a bit greater as well. So I will just do a bit of a risk profile questionnaire with you at the end of the call just to evaluate whether that portfolio is still suited to you. But when you sort of think about the markets and the ups and downs and the risk level, are you still fairly comfortable taking on that kind of higher risk environment to get greater potential returns?\n\nHow do you sort of feel about\n\nChannel 1: Yeah. I guess it just depends on, yeah, what what you recommend and how\n\nChannel 0: that? Yep.\n\nChannel 1: I look at it on the long term, I suppose, because that's obviously a long term type of\n\nChannel 0: Yeah.\n\nChannel 1: approach that I mean. So yeah.\n\nChannel 0: Yep. Absolutely. Perfect. I'll go through the risk profile then. We'll kinda talk a bit more deeper about it, and then you can you let me know if you, you know, wanna make any changes to that at all?\n\nThe next document, if you kinda keep moving forward, is the Clearview Certificate of Currencies. This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one. It's more just a bit of a guide to give you an update there. Okay?\n\nChannel 1: K. Cool. Yep.\n\nChannel 0: The next document along is the Oakview Financial Services Guide. This just essentially updates you on everything about who we are, what we do, and how we do it. It has lovely pictures of me inside there, so you can see all of my information. And as a licensed adviser, my licensing information there for you as well.\n\nChannel 1: Yep.\n\nChannel 0: I'll let yeah. I would sort of tell people that when they can be a little bit arduous and boring to read. But if you have trouble sleeping one night, feel free to whip it out and knock you out cold in a few seconds. That's how boring those legal documents are.\n\nChannel 1: Yeah. No worries. Sounds good.\n\nChannel 0: There you see. And the last document attached is the ongoing service agreement for the next twelve months there. So, essentially, you are paying 1.65% for our services. That's per year. And then it is deducted in smaller monthly increments over the course of the year.\n\nThe ongoing service fee allows us to look after your sleep and make monitoring, reinvesting, but also update the advice to make changes to it as needed as well. And it sort of incorporates the insurance side of things as well for you. With our ongoing service fee, it has always been at 1.65% capped at 600,000. But as of sort of this next year, we're gonna be changing that slightly. It won't be capped at $6,600,000 anymore.\n\nIt will continue up to balances of 2,000,000. However, we've got more of a tiered structure. So when your super balance goes over 200,000, you drop into the next tier, which means it goes from 1.65%. Anything over that 200,000 is then charged at 1.375 percent.\n\nChannel 1: Okay.\n\nChannel 0: And then once\n\nChannel 1: Yeah. Cool.\n\nChannel 0: your balance hits 500,000, you drop into the next tier and it drops it down even further.\n\nChannel 1: Yeah. It\n\nChannel 0: So\n\nChannel 1: makes\n\nChannel 0: the\n\nChannel 1: sense.\n\nChannel 0: idea, yeah, the idea is that the higher your balance goes, the next tier will drop down a little bit lower for you. So the percentage is a bit lower, but we're also gonna work it out as a set dollar figure fee. One of the things that we have sorta had in the past is with a percentage based fee, we're giving you an estimate of how much you're expected to pay for the year, but then it depends upon the market as to how much we actually receive. So there's no real certainty in that for you. We're going to be as of the new and even this agreement has been set up that way for you.\n\nSo we've worked it out as a set dollar figure fee. We've worked out based on your current balance plus a 5% growth how much you're expected to pay for this year. So it's $3,408.34. That means that that's the only amount you'll pay for the year. If your balance if you receive a 20% return, our fee doesn't keep going up with that 20% return.\n\nIt gives you more stability, and it gives you more certainty around how much you'll pay. It's set into the hub twenty four super fund as a dollar figure fee. So it essentially means that you're not gonna pay anything more than that. And the idea is that we wanted to make sure that as your balance increases, the fee drops a bit, but that every year you get a lot more certainty around how much you pay for our services as well so that we're a bit clearer with everything if that makes sense.\n\nChannel 1: Yeah. That makes sense. For sure.\n\nChannel 0: Yeah. Do you have any questions about that? Does that\n\nChannel 1: No. I think it's still pretty\n\nChannel 0: no?\n\nChannel 1: straightforward.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Happy to sign for the next one.\n\nChannel 0: Excellent.\n\nChannel 1: No. Yeah. I think the\n\nChannel 0: Yeah.\n\nChannel 1: main thing is just to be understanding where it goes for the Benelon funds and what you guys checking on there.\n\nChannel 0: Absolutely. And what I'll do with the advice, I'll go back and review that with you. I'll pop in there. We'll look at the next sort of five to ten years. I try not to sort of over project to to retirement.\n\nYou are still very young. You put a lot more\n\nChannel 1: Yes.\n\nChannel 0: time on your side, and your life could change very heavily in that. So we'll look at the projected outcome over the next five to ten years there for you to sort of see where you're tracking and then keep an eye on things for you and reevaluate that advice as we need to moving forward to keep you on track. How does that sound?\n\nChannel 1: Yes. I\n\nChannel 0: Yeah.\n\nChannel 1: think it's really good.\n\nChannel 0: Beautiful. Excellent. The last document attached there is the TFN opt in form. So we hold your tax phone number. This document is outlining how and why.\n\nThere have definitely been a lot of changes within our industry. We're just sort of making sure that we're updating all of our records and letting you know what we hold and why. One of the biggest things is, obviously, the cybersecurity issues that have been occurring over the past couple of years. We've not had any, thankfully. We wanna make sure we definitely don't.\n\nSo we do make sure to update these documents, let you know what we hold on you, how and why, why it's important to do so, and that's why we do security whenever we call you and you call us. We wanna make sure that your your private information is at the forefront of, you know, protection, and we wanna make sure we hold all of that and secured everything for you. So we are very security conscious here, and that's why we do the things that\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Cool.\n\nChannel 0: do. But that document is outlining why we hold your tax phone number and just making sure you're comfortable with us still doing that. Okay?\n\nChannel 1: Yeah. Perfect. That's easy. No worries.\n\nChannel 0: Excellent. Fantastic. I'm just gonna run through this update a couple of additional things there for you. With your with Confer Your Income, you're on that base of about the 300,000 with your main full time role there at the moment. And you may have mentioned income from your company is about 10,000 per month, but you're not really paying yourself anything out of that.\n\nThat's all staying inside the company. Is that right?\n\nChannel 1: Yeah. That's correct. Yeah.\n\nChannel 0: Yeah. Beautiful. And so employer contributions, will that just be based on the $300,000 base income from your full time role? Is that right?\n\nChannel 1: Yeah. So that 300 is 300 including super as well. So it's\n\nChannel 0: Okay.\n\nChannel 1: probably, I don't know, $2.76 or whatever it looks like today. Yeah.\n\nChannel 0: Including super. Yeah. I can do the math for\n\nChannel 1: Yeah.\n\nChannel 0: you. Don't worry.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: That's right.\n\nChannel 0: not a problem.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Easy.\n\nChannel 1: I'm sure. I'm sure.\n\nChannel 0: Yeah. And you're not making any additional contributions over and above the employer side of it. Are you sorta happy to not worry about that at the moment? Is it something you wanna look at down the track?\n\nChannel 1: Oh, look. I'd be keen to explore if, you know, some tax efficiencies there. Obviously, that that income, you know, getting taxed through the nose. So\n\nChannel 0: Yep.\n\nChannel 1: if there's any strategies where, you know, I could do some voluntary contributions that might be a bit more efficient on an overall sort of sense when you look at the whole package.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'm beginning to understand that for sure.\n\nChannel 0: Yeah. That's okay. So there are definitely ways to do, like, voluntary deductible contributions where if you put 10,000 in by, say, the end of June next year, then you can claim that 10,000 back on your, sort of, taxable income to help reduce your in your assessable income.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: It does sort of come down to what's gonna be more tax effective for you. And, realistically, what you could do, depending on how you start to wanna look at it, I could make a recommendation based on your current income on what to put in as deductible contribution and how that might look for you. But I'm not able to see sort of your overall tax situation. It's more of your accountant's\n\nChannel 1: Yeah. Okay.\n\nChannel 0: area.\n\nChannel 1: Fair\n\nChannel 0: Otherwise,\n\nChannel 1: enough.\n\nChannel 0: you can if you're comfortable, you can always speak to your account at the end of the financial year, say, maybe early June next year, and get them to tell you what sort of contribution would be more tax effective for you based on your current circumstances.\n\nChannel 1: Yeah.\n\nChannel 0: It's up\n\nChannel 1: K.\n\nChannel 0: to you how you'd like to sort of proceed and and look at it. I'm happy to sort of factor in a recommendation to maximize contributions if you'd like to. But I'm very limited to how much of your tax\n\nChannel 1: No.\n\nChannel 0: situation\n\nChannel 1: I get that.\n\nChannel 0: I can take into account for you. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: does. Yeah. Yeah. I mean, just to yeah. Yeah.\n\nAny sort of recommendation you can make within, you know, the confines of what you can do, that'll be that'll be great. And, yeah,\n\nChannel 0: Yes.\n\nChannel 1: I'll be talking to the accountant about it as well. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Absolutely. If you like, what do you have access to your myGov account at all?\n\nChannel 1: I do. Yeah. Yeah.\n\nChannel 0: Yeah. If I can, after the call, send you an email just directing you how to get your carry forward and catch up contributions, if you're able to obtain that sort of thing for me, I\n\nChannel 1: Yeah.\n\nChannel 0: could, as part of the recommendations, look at maybe what we're projecting based on your current income circumstances and just make a recommendation on deductible contributions and how to put them in effectively and what sort of what I can do with regard to meeting your goals and, you know, building super as much as possible. But because you are on such a high income, maybe also looking at utilizing catch up contributions if you wanted me to. Does that sound okay?\n\nChannel 1: Yeah. Absolutely. Nothing's\n\nChannel 0: Yeah.\n\nChannel 1: correct.\n\nChannel 0: Beautiful. Excellent. And because you are on such a high income, last year, did your accountant ever flag or have they sort of flagged anything about the DIF two nine three tax at all? Has anyone ever sort of flagged that?\n\nChannel 1: No. Not that I can recall, but yeah.\n\nChannel 0: Have have you done your tax return for last financial year as of yet?\n\nChannel 1: I haven't finalized it. I've got a draft there, which I need to review. So it's still an opportunity to change anything if I need to.\n\nChannel 0: Yeah. No. That's okay. If you can just maybe double check that with your account as well because your income is quite high. If you are earning over 250,000, including contributions, you can be eligible for what's called div two nine three tax, which is an additional tax, and they charge additional tax on your super contributions there as well.\n\nChannel 1: Okay.\n\nChannel 0: So, yeah, just maybe have it checked to your account and then get him to check your tax return for the last year, find out whether you were eligible or whether you were technically or are going to have to pay that additional tax there.\n\nChannel 1: Okay.\n\nChannel 0: When\n\nChannel 1: Yeah.\n\nChannel 0: it comes\n\nChannel 1: That's awesome.\n\nChannel 0: to that additional tax, the ATO just send you a letter saying, how do you wanna pay this? You can have it drawn out of your super, or you can pay it personally depending\n\nChannel 1: Okay.\n\nChannel 0: on your circumstances there. So, this is something\n\nChannel 1: Sounds\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: wanted to quickly flag with your income being so high, you're working your butt off. Just maybe flag that with your accountant to get him to have a look at whether that is something that you will have to consider paying and how that affects you. That's\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Cool.\n\nChannel 0: other side of this is if we do make, you know, additional contributions in the super, when you are liable for that div two nine three tax, the contributions that go into super are technically taxed at 15%. With that div two nine three tax, essentially, you the ATO tax is another 15% on top of that. Do you feel like if I was to make a recommendation on additional contributions that even if you were eligible for that div two nine three, it would still be I mean, realistically, it's lower than your marginal tax rate is, so it does provide a benefit to you. But do you feel like that would still be appropriate? You sorta wouldn't worry too much if you had to pay additional tax from there knowing it is less than your current marginal tax rate, or would you be more less inclined to wanna make additional contributions in that circumstance?\n\nChannel 1: Oh, look. I'd be keen to, yeah, I guess, to speak simply just to avoid that 15% tax.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, if there's a way that I can keep that money in the pocket, whether it's been super or otherwise, then, yeah, I'd be keen to look at it.\n\nChannel 0: So yes. So sorry. I think I missed that. The phone just cut out of me. You mentioned that you would be keen to continue to put money into so far, or you'd be sort of wanting to keep it more in your back pocket.\n\nIs that\n\nChannel 1: I'll\n\nChannel 0: right?\n\nChannel 1: look if\n\nChannel 0: Sorry.\n\nChannel 1: yeah. Yeah. If if if I put extra money into super and that avoids that money going to the government in tax, then, yeah, that that's what I began to look at. Just trying to get the money in my pocket, whether it's super or otherwise.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Just avoiding\n\nChannel 0: I mean\n\nChannel 1: that tax.\n\nChannel 0: yeah. I mean, realistically, the the the d $59.03, like, it is an extra 15% tax on top of your super contributions in super there. But, theoretically, if you're on a 47% tax bracket, you're still technically saving on on the tax side of things. It's 30% in super instead of 47% in your own name. So\n\nChannel 1: Alright.\n\nChannel 0: there's\n\nChannel 1: I see. Yeah. Yeah. Yeah. Okay.\n\nLet's see\n\nChannel 0: yeah.\n\nChannel 1: how it works. Yeah.\n\nChannel 0: There are sort of advantages and disadvantages to both. But if you like, as part of the overall strategy, I can have a look at that. I can work out whether making additional contributions is gonna provide any greater benefit to you, and I can make a recommendation if I feel it's suitable to do so. If I don't think it's suitable, then I probably just won't. I'll let you know that it's not really gonna work out for you.\n\nBut I'm happy to have a look at it if you're happy for me to do so. Is that okay?\n\nChannel 1: Yeah. Yeah. Absolutely. Seems great.\n\nChannel 0: Yeah. It's kind of a double edged sword tax, isn't it? You kinda wanna work hard, make a lot of money, but then they take most of it. It's shocking.\n\nChannel 1: That's it. That's it. You work hard and, yeah, hang on in your pocket.\n\nChannel 0: Yeah. That's exactly right. So absolutely. Perfect. Well, after the call, I'll send you an email just getting your carry full catch up contributions there for you.\n\nI might also just ask you to check with your accountant and just reconfirm your total taxable income between your business and also your employer just so I can kind of get an a gauge on what that might look like and be able to look at the circumstances as a whole for you. Okay?\n\nChannel 1: Yeah. Awesome. Sounds good.\n\nChannel 0: Excellent. Goals wise, we're we were looking at you were hoping to access super around at the age 65. Is that still your goal for accessing super? Are you wanting to access super earlier? What's your thoughts\n\nChannel 1: It look, it'd be\n\nChannel 0: on\n\nChannel 1: great\n\nChannel 0: that now?\n\nChannel 1: if I could earlier. Yeah. I have to\n\nChannel 0: Yeah.\n\nChannel 1: say at this point, I guess, still quite a while away. But yeah. I mean, if I can reach our both 16, then I think we'll be doing pretty well. But\n\nChannel 0: Yep. 60. That's okay. I can definitely have a look at that for you. I'll update your retirement goal to the age of 60.\n\nI mean, there's definitely no harm in looking to try and\n\nChannel 1: yeah.\n\nChannel 0: retire earlier. You know, say, 60, then you get to 60 and go, nah. Cool. I wanna keep working a little bit longer.\n\nChannel 1: Yeah.\n\nChannel 0: You the option to do so. So I'll update that, and we'll look at them trying to meet your goal a little bit earlier. It's absolutely fine. It still does mean you have about twenty four years before accessing super, but, realistically, it's not a bad goal to have. I'd love to retire at 62.\n\nI think it'd be a\n\nChannel 1: Yeah.\n\nChannel 0: great time.\n\nChannel 1: Yeah. Yeah. That's it. A 100%. Any time you got time with that?\n\nChannel 0: Excellent. Yep. In retirement there, I had down here that you were sort of hoping to draw about $1,500 per year in so it's $1,500 per week in income. Do you feel like that's still fairly appropriate for when you get to that point?\n\nChannel 1: Yeah. Look, hard to say with escalation the way that it is. But, yeah, I mean, for it's worth yeah. It should be fine.\n\nChannel 0: Work on that in today's dollars? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Assets wise, I have your main primary residence down with an asset value of 1,200,000. What sort of value would you put on that now, do you think?\n\nChannel 1: Oh, look. I think it's probably still about 1.2. That might have been a little bit high last time I gave it, so I'd probably just keep\n\nChannel 0: Yep.\n\nChannel 1: it there.\n\nChannel 0: That's okay. And I've got down here the debt value on the property. So I'm mortgage owing of 830,000. Have you reduced that a little bit?\n\nChannel 1: A little bit for the $8.20 or something like that. Not much\n\nChannel 0: $8.20?\n\nChannel 1: change.\n\nChannel 0: Yeah. That's okay. I also have your car down here with a value of 60,000. What kind of car do you drive?\n\nChannel 1: Just a Ford Ranger. About four years old, I think. So it's probably\n\nChannel 0: Yep.\n\nChannel 1: more like 50, I'd say.\n\nChannel 0: 15. Yep. Beautiful. And you have no debt on the vehicle owned outright?\n\nChannel 1: Yeah. I know. Right?\n\nChannel 0: Beautiful. I don't have any other assets or liabilities noted down. Do you have any other personal loans, credit cards, or assets, anything else that I should probably note here on here of value?\n\nChannel 1: Oh, I've got a credit card, but that's the $15 credit card that's paid off each month. So it's a zero. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. There's a limit to that 15,000 that you pay it down every the end of every month.\n\nChannel 1: Yeah. Yeah. That's it.\n\nChannel 0: Yep.\n\nChannel 1: Exactly.\n\nChannel 0: Beautiful. Fantastic. And I've got down here that you've got one son. He's nine or 10 years of age. Is that right?\n\nOne dependent?\n\nChannel 1: Yeah. That's alright. Yeah. It tends\n\nChannel 0: Oh,\n\nChannel 1: to end in October. So\n\nChannel 0: it's a gorgeous age.\n\nChannel 1: yeah. It is. Yeah. Yeah. Lots of fun.\n\nKeep keep some busy.\n\nChannel 0: Yeah.\n\nChannel 1: That's for sure.\n\nChannel 0: Absolutely. And that is his name's Reuben. Is that right?\n\nChannel 1: Yeah. That's right. Yeah. Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: him.\n\nChannel 0: So just to kind of talk a bit more about your beneficiary side of things as well. So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur. Is that right?\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: Yep. Perfect. I'm just having a quick look at your life insurance as well. It's also got Reuben down there. So,\n\nChannel 1: It's\n\nChannel 0: realistically,\n\nChannel 1: cool.\n\nChannel 0: because he is under 18, he is still a minor and a dependent of yours. If anything was to happen till you say you were to pass away, those proceeds can be paid to him. However, because he is a minor, they're not paid directly to him. They do go through the guardian. So, realistically, if you were to pass away, who would be his guardian, and do you feel comfortable having those proceeds paid through that person to him to make sure he gets the funds.\n\nChannel 1: Yeah. Look. That's a great question. I'm not actually sure who would pay you the Guardian, and how how do you actually figure that out? Like, where where does that come from?\n\nChannel 0: Yeah. So as part of your estate planning, if you do a will power of attorney, you can also have a guardianship document done up, which basically\n\nChannel 1: Okay.\n\nChannel 0: notes that you are directing someone to become his guardian in the event that you passed away, and then the funds can be paid directly to them. This is the money isn't paid directly to a minor. It normally goes through the guardian. And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, and\n\nChannel 1: Yeah.\n\nChannel 0: it might not\n\nChannel 1: Of\n\nChannel 0: be\n\nChannel 1: course.\n\nChannel 0: the person that you wanted to go through. So directing that money to who you want it to be is the most important aspect. In saying that, we hope nothing happens. I want you to get to your retirement\n\nChannel 1: Yeah.\n\nChannel 0: years\n\nChannel 1: Of course.\n\nChannel 0: and enjoy all this money. But if you were to pass away and he he was over 18 at that time, then he can have the funds paid directly through him still. He is still a dependent sorry. He's still a a beneficiary under the SIS Act. He's just he's a nontax dependent over the age of 18.\n\nSo,\n\nChannel 1: Okay.\n\nChannel 0: realistically,\n\nChannel 1: Yep.\n\nChannel 0: the the beneficiary is exactly fine the way it is. It's just about making sure that things are directed as per your wishes. There is another way that you can have your beneficiary updated if you wanted to, and that's essentially I reckon that's essentially nominating legal personal representative, which means that everything gets paid to your estate. And then having a minor child, you can always have, like, a a trust set up through through your\n\nChannel 1: Yeah.\n\nChannel 0: estate planning\n\nChannel 1: Okay.\n\nChannel 0: through your will\n\nChannel 1: Yep.\n\nChannel 0: and have everything paid out by the trust. And it kinda gives you a lot more direction there as well. So you can hold money back until certain ages or have it paid out little bits at a time in increments or have it all paid out as a lump sum at a certain point in time. So it just gives you a lot more control and certainty around doing it. But your beneficiary nomination, the way it's set up, is absolutely fine.\n\nIt's just noting that he wouldn't receive the lump sum. It would be applied for through his guardian and then paid to his guardian to be held in trust for him at a later\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Do you have a will and power of attorney done up?\n\nChannel 1: I don't. No. I'd be keen to is that something you guys can help with? Or\n\nChannel 0: We can't do them because we're not solicitors,\n\nChannel 1: okay.\n\nChannel 0: but we do have some\n\nChannel 1: Right.\n\nChannel 0: information\n\nChannel 1: Okay.\n\nChannel 0: on a local solicitor I can send to you if you like just with a bit of a costing and some information on who they are. We can always refer you through to to them if you'd like. The other option is all the states do have, like, their public trustees who can set up wills and things for you as well. So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself. Does that sound okay?\n\nChannel 1: Yeah. That sounds great. Yeah. That'd be\n\nChannel 0: Yeah.\n\nChannel 1: awesome.\n\nChannel 0: Fantastic. Excellent. I'll get that sorted. I'll add some information on guardianship for you as well just so you have that to sort of mull over and consider to make it easier on you.\n\nChannel 1: Yeah. Sounds good. Thank you.\n\nChannel 0: Fantastic. Not a problem at all. Our goals was down the track. So at the moment with the advice, I'm just sort of focusing around possible contributions, looking at your super, and also just having a look at, sorry, the investments within there for you. Do you have any other goals that you're sort of looking to try and achieve down the track?\n\nChannel 1: Oh, yeah. Definitely just looking at, you know, property, trying to get a second\n\nChannel 0: Yep.\n\nChannel 1: property and yeah. Yeah. Just trying to build that wealth, I suppose, in an overall sense.\n\nChannel 0: Yep. No. That's okay. Is getting an investment property something you're looking to do in the next sort of one to two years?\n\nChannel 1: Yeah. Ideally. Yeah.\n\nChannel 0: Yep. So the other thing to sort of consider is if you\n\nChannel 1: Yeah.\n\nChannel 0: are making additional contributions to super, because it can obviously have a bit of a tax effect there for you, it also does can reduce your borrowing capacity. Are you sort of wanting to maybe not make additional contributions to super maybe back to putting that money into maybe an investment property to to build wealth in other areas? Or what's your thoughts there? Just because I've\n\nChannel 1: Yeah.\n\nChannel 0: brought that up now. I'm like, here's some other\n\nChannel 1: Yeah. Makes sense. Yeah. Yeah. Yeah.\n\nI'll look hold. Yeah. Priority would probably be to try to get the second property just with the growth you can get out of it and things like that.\n\nChannel 0: centers.\n\nChannel 1: Because\n\nChannel 0: Okay.\n\nChannel 1: you had a plan to be able to buy another property and do it off a flip, whether it's, yeah, renovation or a duplex or something along those lines and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: With\n\nChannel 1: see\n\nChannel 0: with\n\nChannel 1: where that\n\nChannel 0: the\n\nChannel 1: goes.\n\nChannel 0: changes to yeah. Definitely. So with the changes to legislation, have you sort of seen the changes that they've made to, like, the negative gearing and the capital gains and things like that with regard to investment properties?\n\nChannel 1: I have. Yeah. Yeah. So the the\n\nChannel 0: Yeah.\n\nChannel 1: plan that I had in mind was basically I've got my primary place of residence at the moment, the train. And, yeah, I bought that in 2022, so I'd be to, you know, hold on to this and move out. So\n\nChannel 0: Yep.\n\nChannel 1: I rented out, which should probably be negative negatively geared, and then, yeah, live in something while renovating it. Something\n\nChannel 0: Mhmm.\n\nChannel 1: along those lines just depending on what, you know, or what else I can find.\n\nChannel 0: Yes.\n\nChannel 1: And, yeah, going from there, basically.\n\nChannel 0: Yeah. Okay. Have you spoken to a mortgage broker and maybe looked at your borrowing capacity to see what you could maybe borrow or what you could buy investment property wise?\n\nChannel 1: Not yet, but, actually, within the next two to three months, we'll start our process.\n\nChannel 0: Did you want me to maybe refer you through to a mortgage broker? There's no cost to yourself. I can just do an email up referring you through to one of our mortgage brokers. They can have a look at your borrowing capacity, your income, and things like that, and maybe, let you know what you'll be able to borrow based on your circumstances. Did you want me to organize that for you?\n\nChannel 1: I think I've actually dealt with is it Grant, the mortgage broker that you\n\nChannel 0: Yeah.\n\nChannel 1: guys work with?\n\nChannel 0: Brett Sullivan, he actually retired.\n\nChannel 1: Yeah. Oh, diddy\n\nChannel 0: He's retired.\n\nChannel 1: bugger. He was really\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: He was really good. He did just recently retire, poor bugger.\n\nChannel 1: Yeah.\n\nChannel 0: He's\n\nChannel 1: Okay.\n\nChannel 0: a lovely,\n\nChannel 1: Good\n\nChannel 0: lovely\n\nChannel 1: on him.\n\nChannel 0: soul.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. He's a champ. Yeah. I'll look at it'll be right for the minute. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: when it gets to that time, I'll I'll shoot you an email and get those\n\nChannel 0: Yep. That's okay. Did you still want me to look at contributions in the super, or did you wanna just\n\nChannel 1: contact\n\nChannel 0: hold on there hold off on that for the moment and maybe keep the funds\n\nChannel 1: details.\n\nChannel 0: to be able to buy an investment property and focus on the renovation side of things there?\n\nChannel 1: Well, I guess there's\n\nChannel 0: What's\n\nChannel 1: two two parts\n\nChannel 0: more\n\nChannel 1: to\n\nChannel 0: important\n\nChannel 1: it in my\n\nChannel 0: to\n\nChannel 1: mind.\n\nChannel 0: you?\n\nChannel 1: Yeah. Like, it it makes sense. That's what you're saying. I think\n\nChannel 0: Yeah.\n\nChannel 1: is there any benefit in looking at increasing cert contributions to do something like a self managed super? Oh, you can't live in them and things like that, though, can you? Pretty restrictive.\n\nChannel 0: You, yeah, you can't. And they've actually\n\nChannel 1: Yeah.\n\nChannel 0: just changed the South Bay Superfund rules as well. So whilst you can still have an SMSF and you can still have a residential property in there, they don't let you borrow for a residential property anymore. You can\n\nChannel 1: Okay.\n\nChannel 0: only borrow for a commercial. That all came into play as of the August 10 this year to\n\nChannel 1: Okay.\n\nChannel 0: get the the government's negative gearing and the CJT consequences to\n\nChannel 1: Yeah.\n\nChannel 0: they made\n\nChannel 1: So\n\nChannel 0: it there\n\nChannel 1: that's one\n\nChannel 0: with\n\nChannel 1: of the\n\nChannel 0: the\n\nChannel 1: changes.\n\nChannel 0: greens, and that was\n\nChannel 1: Okay.\n\nChannel 0: all kind of one of the changes. But in saying that I mean, look. There are advantages to both scenarios, but what I'd be sort of looking at is what's more important to you. Is it more important because you're on a good income. You have a good amount of contributions going in.\n\nDo we just look at the investments and try to reduce the fees and keep your contributions going in as much as possible and maybe hold off additional contributions till down the track when you might need to make some additional contributions to help reduce, you know, taxable income? Or and do we just sort of hold that money back knowing that you wanna maybe look at buying an investment property? Is investing outside of super to help build wealth for you more important than putting that money into super? What's kind of your main primary goal with that?\n\nChannel 1: Yeah. Yeah. I think, yeah, I'll just keep it out of the room. Yeah. Try to push\n\nChannel 0: Yes.\n\nChannel 1: it. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: That makes sense. Yep.\n\nChannel 0: Perfect. I mean, putting money into super has a greater benefit, like, has a good benefit for you. But if you are also wanting to buy an investment property, one of the things I'd be sort of wanting to trade off is your borrowing capacity. Putting more money into super locks it away. You can't take it back out again.\n\nIf something was to happen, you were to reduce hours or you decided to move fully into your business, do you need that money maybe sitting aside on your home loan where you can pull it back off to use for an investment property, things like that? So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: there\n\nChannel 1: It's\n\nChannel 0: are\n\nChannel 1: been\n\nChannel 0: a\n\nChannel 1: more\n\nChannel 0: lot\n\nChannel 1: flexible.\n\nChannel 0: of different factors to sort of take into account\n\nChannel 1: Yeah.\n\nChannel 0: there. And if getting an investment property is probably your main main criteria, I'd be looking to maybe hold off on additional contributions now, let you sort of go through that borrowing capacity because, you know, property is expensive. We all know that it's very expensive.\n\nChannel 1: Yeah.\n\nChannel 0: It is maybe putting a bit more onto your mortgage and reducing your mortgage down a little bit, having more sitting in your offset, which you could draw back later as the deposit to help reduce how much you have to borrow. The other side of that is putting money into super. While super gets good returns, markets do perform very well over longer term. In the shorter term, our mortgages are very expensive. We're all paying very high interest.\n\nSo putting that money into your offset account essentially is giving you a guaranteed rate of return. If you're paying 6% on interest, putting that extra $100 a week or $200 a week into your offset account is reducing how much you have to pay on interest. So it's giving you much more of a guaranteed rate of return. And then, you know, you can pull that back off if you need to use it for a deposit to reduce how much you need to borrow for the investment property or if you need to maybe keep some funds aside and build that the money to, you know, utilize to do the the property renovations and things like that so you don't have to borrow as much down the track. So there\n\nChannel 1: Yeah.\n\nChannel 0: are those sorts of things to also consider.\n\nChannel 1: Yeah. Awesome. Yeah. Well, yeah, that's that that'll make sense. What is\n\nChannel 0: Yeah.\n\nChannel 1: that?\n\nChannel 0: All good. Sorry. You can imagine it's pretty insane in my brain.\n\nChannel 1: Oh, no. No. No. No. For\n\nChannel 0: Just\n\nChannel 1: sure. No.\n\nChannel 0: weighing\n\nChannel 1: I appreciate\n\nChannel 0: up all\n\nChannel 1: it.\n\nChannel 0: the different options and all the things that you have coming up. So if you're comfortable, I'll hold off on additional contributions for now. I'll look at what your super is doing with just your employer contributions going in. I'll look at changing the investments around low cost and where that sort of tracks you over the next five to ten years. And then we can always look at down the track whether we make additional contributions of what we do, and that allows you to then hold that money back, keep it in your mortgage account for a little bit longer, and also allows you to not reduce the servicing aspect for borrowing to buy the investment property side of things.\n\nDoes that make sense? And does that sound\n\nChannel 1: Yeah.\n\nChannel 0: okay? Do you have\n\nChannel 1: Yeah.\n\nChannel 0: any concerns, queries, or\n\nChannel 1: Yeah. That'll make sense. And yeah. I'm doing\n\nChannel 0: yeah.\n\nChannel 1: that. Yeah. Yeah. Yeah. That's\n\nChannel 0: Excellent.\n\nChannel 1: a good approach.\n\nChannel 0: Beautiful. Fantastic. Beautiful. I'll make a note of that for you. Yeah.\n\nEven when you do wanna speak to a mortgage broker, please let me know. We have some great mortgage brokers ahead, and I can put you in touch with any one of those. They're all free to yourself to use because they are paid for. The banks pay them when they write loans and things\n\nChannel 1: Yeah.\n\nChannel 0: like that,\n\nChannel 1: Cool.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: they can look at what you're after, what your goals are, and how to approach getting a new loan to to service that for you. Okay?\n\nChannel 1: Awesome. Sounds good. Yep.\n\nChannel 0: Excellent. Beautiful. I've also got down here that you were building a business over the last couple of years. Your main goal was to kinda continue building your business and things like that. Is your goal to sort of move into your self employed business or your company full time, or are you sorta hoping to keep them both working coincide along over the next few years?\n\nWhat's your\n\nChannel 1: Yeah.\n\nChannel 0: goal with that?\n\nChannel 1: Yeah. Definitely came to just have one thing going. That's one instead of\n\nChannel 0: Yeah.\n\nChannel 1: both. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, just depending what projects come up. So, yeah, it's still still a goal to progress into self employed, I suppose.\n\nChannel 0: Okay. Yep.\n\nChannel 1: But, yeah, that that's how to say whether that might be three months away or, you know, a couple of years. Just depends on how things unfold. Yeah. Exactly.\n\nChannel 0: Yes. Depends on how it grows. Yeah. Absolutely. Perfect.\n\nFantastic. Well, thank you so much for updating those details there for me. The last thing to do is just to run through a bit of a risk profile questionnaire. So I've got most of them answered already, which is great. The main ones to sort of go through are probably the hardest ones to answer.\n\nThe first one here is essentially when you think about risk and the risk you're taking within your super, do you consider yourself comfortable to take on a higher level of risk to get greater potential returns knowing that the downside is also a factor and that the more your balance increases, the more risk you're taking, the more you can feel the downside? Are you probably more comfortable taking on a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking a lot of risk in the market and knowing the returns are lower? Where do you think you probably sit in\n\nChannel 1: Probably another.\n\nChannel 0: that scale? Yeah. Beautiful. Excellent. The next one here is if you saw your portfolio fall by 20% in the next sort of one to two years, how do you think you might be feeling?\n\nAre you excited about the investment opportunity being it's a market dip? Are you probably holding and waiting to see what happens and maybe on the phone to us to see what we suggest you do, or are you a bit nervous and wanting to sell the investments to cash? What do you think you might do?\n\nChannel 1: Oh, look. I'm not very well versed in that sort of thing, so I'd be calling you guys and asking for advice. So let me share.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. I've got down here that when we're looking at the rate of return, you're trying to get the best possible return you can over the longer term. Am I right in ticking that box?\n\nChannel 1: Yeah. For sure. Yeah. Definitely.\n\nChannel 0: Yep. Beautiful. With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips? How do you think you might be feeling?\n\nChannel 1: Oh, I'd be cautious for sure. Yeah.\n\nChannel 0: Yep. Absolutely. Beautiful. Now you've thank you so much, though. You've scored it as a growth investor.\n\nSo at the moment, as I kinda mentioned, you're in that high growth environment, which sees 90% in those growth assets. With the scoring as a growth investor, we'd see us reduce the risk level by about 10%. The main difference there is that the high growth portfolio, you're trying to obtain around about a eight to 10% return on a yearly basis there. And when we think about the expected volatility, the market could go up by more than 14% or you could see a dip of around 14% expected. The likelihood of a negative return return, that high growth environment is one in every five years, and you've got more than eight years ahead of you.\n\nSo you definitely suit that time horizon for that sort of portfolio. If we did look to sort of pull you back a bit to that growth environment, you have 80% invested in those growth assets. So we are increasing the defensive low risk component by about 10% there. So you see 20% invested in cash, bonds, and fixed interest. The expected average returns about seven to 9%, and, again, a likelihood of a negative return is about one in every sort of five years.\n\nRealistically, you could begin both of those portfolios. It really just depends upon where that 10% realistically is gonna make much of a difference to you or whether you're gonna be concerned if you feel it. Did you wanna kinda stay in that high growth environment for another year, or did you want me to sort of look at reducing the risk level back a bit for you? How do you feel about that, and do you have more\n\nChannel 1: I would say it's hard to say between the two, to be honest, but I think, yeah, probably going with the growth option as opposed to the higher higher\n\nChannel 0: questions?\n\nChannel 1: growth one.\n\nChannel 0: Yep. Pull it pull it back\n\nChannel 1: Yeah.\n\nChannel 0: to growth a little bit.\n\nChannel 1: I think so. Yeah. Yeah.\n\nChannel 0: Yep. Yep. Absolutely. I mean, realistically, when you think about a 5% return, as your balance increases and grows, which it will definitely do, especially as you're a higher income earner, you will sort of notice those difference. If you, you know, think about someone with $50,000 in their super, a 5% return is much smaller than someone with 500,000 in their super.\n\nSo as your balance increases, you will notice smaller changes affect you a little bit more or affect your balance a little bit more. So it can definitely have a greater effect long term. So I'm happy to reduce that risk back if you like. We can go back to the growth portfolio, and then we can look at what that does. And in twelve months, if you decide you wanna go back up again, you absolutely can.\n\nDoes that sound okay?\n\nChannel 1: Yeah. Perfect. Sounds good.\n\nChannel 0: Yep. Beautiful. Look. I know I have touched on a lot, Patrick. Is there any questions, anything you think I might have not touched on, anything you wanna more further clarity on at all?\n\nOr\n\nChannel 1: No. No. I don't think so. It's yeah. That's\n\nChannel 0: no.\n\nChannel 1: really good. I thank you. And, yeah, appreciate\n\nChannel 0: Excellent.\n\nChannel 1: appreciate your time to run through.\n\nChannel 0: That's okay. Not a problem at all. So I'll just go back. We'll look at the super. We'll hold off on additional contributions now because buying property is sort of your main goal in the short term.\n\nI'll look at what to do with your super. The investments for them will definitely get rid of Van Alung and replace that for you. I'll look at reducing your risk back to the growth portfolio a little bit and see what that does over the next sort of five to ten years. I'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there. Does that sound okay?\n\nChannel 1: Yeah. That sounds\n\nChannel 0: Yep. Fantastic. All good. And that way, you'll also have my direct contact in the email there. So when and if you are ready to speak to a mortgage broker, please let me know.\n\nI'll happily put you in touch.\n\nChannel 1: perfect.\n\nChannel 0: Okay?\n\nChannel 1: Awesome. Sounds good.\n\nChannel 0: Easy. Perfect. Thank you so much for your time today. If you are happy to, once you've read the email, if you could just sign and return the annual review documents back there for me. It looks like they have just come back.\n\nSorry about that.\n\nChannel 1: Yeah. You're\n\nChannel 0: But, yeah, thank you so much, Yitam. I really appreciate it. It's been a pleasure. If anything else comes up, please let me know, and I'll send that email out to you shortly with the estate planning information. Just come back if there's any questions or anything you think that I might have not touched on that you wanted me to sort of look at for you.\n\nOkay.\n\nChannel 1: Yeah. Cool. Sounds really good.\n\nChannel 0: Easy. Thank you so much for your time. I hope you have a good rest of your afternoon. Did do you have any more meetings this afternoon, or is that you done to just catch up?\n\nChannel 1: No. The school pickup and then, yeah, a few things tidy up the suburb, but, no, pretty much\n\nChannel 0: No.\n\nChannel 1: there, which is good.\n\nChannel 0: Beautiful. Well, you enjoy your afternoon. Enjoy your time with Reuben. I hope he's had a great day at school.\n\nChannel 1: Yeah. Alright. Yeah. Thanks. All good.\n\nChannel 0: Thanks, Patrick.\n\nChannel 1: Awesome.\n\nChannel 0: Appreciate\n\nChannel 1: Ready.\n\nChannel 0: it. You have a good\n\nChannel 1: Thanks.\n\nChannel 0: day. Thanks.\n\nChannel 1: You too. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.39999998,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.03573591262102127},{"text":"If you record your name and reason for calling, I'll Speaking.","start":0.79999995,"end":10.42,"sentiment":"neutral","sentiment_score":0.028512208129871975}],"sentiment":"neutral","sentiment_score":0.029114183504134417,"channel":1,"num_words":12,"start":0.39999998,"end":10.42},{"sentences":[{"text":"Hi, Patrick.","start":11.28,"end":12.08,"sentiment":"neutral","sentiment_score":0.04208707809448242}],"sentiment":"neutral","sentiment_score":0.04208707809448242,"channel":0,"num_words":2,"start":11.28,"end":12.08},{"sentences":[{"text":"Hello?","start":11.759999,"end":12.259999,"sentiment":"neutral","sentiment_score":0.04438884556293487}],"sentiment":"neutral","sentiment_score":0.04438884556293487,"channel":1,"num_words":1,"start":11.759999,"end":12.259999},{"sentences":[{"text":"It's Dana from","start":12.08,"end":12.88,"sentiment":"neutral","sentiment_score":0.07309956600268681}],"sentiment":"neutral","sentiment_score":0.07309956600268681,"channel":0,"num_words":3,"start":12.08,"end":12.88},{"sentences":[{"text":"Yeah.","start":12.719999,"end":13.219999,"sentiment":"neutral","sentiment_score":0.08757957816123962}],"sentiment":"neutral","sentiment_score":0.08757957816123962,"channel":1,"num_words":1,"start":12.719999,"end":13.219999},{"sentences":[{"text":"Okie Financial.","start":12.88,"end":13.62,"sentiment":"neutral","sentiment_score":0.10276360437273979},{"text":"How are you this afternoon?","start":13.84,"end":15.059999,"sentiment":"neutral","sentiment_score":0.1795876294374466}],"sentiment":"neutral","sentiment_score":0.15763790799038752,"channel":0,"num_words":7,"start":12.88,"end":15.059999},{"sentences":[{"text":"Yeah.","start":14.815,"end":15.315,"sentiment":"neutral","sentiment_score":0.19255128502845764},{"text":"Good.","start":15.455,"end":15.695,"sentiment":"positive","sentiment_score":0.4862562417984009},{"text":"Thanks, sir.","start":15.695,"end":16.255,"sentiment":"positive","sentiment_score":0.5372622907161713},{"text":"Yeah.","start":16.255,"end":16.755,"sentiment":"neutral","sentiment_score":0.2699223756790161}],"sentiment":"positive","sentiment_score":0.40465089678764343,"channel":1,"num_words":5,"start":14.815,"end":16.755},{"sentences":[{"text":"Yeah.","start":16.994999,"end":17.234999,"sentiment":"neutral","sentiment_score":0.2874303460121155},{"text":"Very well.","start":17.234999,"end":17.715,"sentiment":"positive","sentiment_score":0.5131266415119171},{"text":"Thank you.","start":17.715,"end":18.115,"sentiment":"positive","sentiment_score":0.6287405788898468},{"text":"Thanks for asking.","start":18.115,"end":18.914999,"sentiment":"positive","sentiment_score":0.6312554876009623},{"text":"I had you booked in today to go through your annual review.","start":18.914999,"end":21.314999,"sentiment":"neutral","sentiment_score":0.27688828110694885}],"sentiment":"positive","sentiment_score":0.3893795311450958,"channel":0,"num_words":20,"start":16.994999,"end":21.314999},{"sentences":[{"text":"Is now still a good time there for you?","start":21.314999,"end":23.335,"sentiment":"neutral","sentiment_score":0.285905197262764}],"sentiment":"neutral","sentiment_score":0.285905197262764,"channel":0,"num_words":9,"start":21.314999,"end":23.335},{"sentences":[{"text":"Yeah.","start":23.455,"end":23.575,"sentiment":"neutral","sentiment_score":0.20469841361045835},{"text":"I think so.","start":23.575,"end":24.175,"sentiment":"neutral","sentiment_score":0.2689066429932912},{"text":"It should be good.","start":24.175,"end":25.075,"sentiment":"positive","sentiment_score":0.4948715716600418}],"sentiment":"positive","sentiment_score":0.3738630786538124,"channel":1,"num_words":8,"start":23.455,"end":25.075},{"sentences":[{"text":"Yeah.","start":25.395,"end":25.875,"sentiment":"neutral","sentiment_score":0.3121477961540222},{"text":"All good.","start":25.875,"end":26.435,"sentiment":"positive","sentiment_score":0.4449024200439453},{"text":"All good.","start":26.435,"end":27.154999,"sentiment":"positive","sentiment_score":0.43632104992866516},{"text":"I'll try not to take up too much of your time, but just touching on the things that we do need to for you.","start":27.154999,"end":31.7,"sentiment":"neutral","sentiment_score":0.19758250347028175},{"text":"Before we jump into the call there, just to let you know, we do record our calls for quality and training purposes.","start":32.0,"end":36.4,"sentiment":"neutral","sentiment_score":0.13251378658142957}],"sentiment":"neutral","sentiment_score":0.19082113968975403,"channel":0,"num_words":51,"start":25.395,"end":36.4},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":36.4,"end":38.42,"sentiment":"neutral","sentiment_score":0.20231705904006958}],"sentiment":"neutral","sentiment_score":0.20231705904006958,"channel":0,"num_words":9,"start":36.4,"end":38.42},{"sentences":[{"text":"Yeah.","start":38.71,"end":38.949997,"sentiment":"neutral","sentiment_score":0.14502133429050446},{"text":"That's fine.","start":38.949997,"end":39.69,"sentiment":"neutral","sentiment_score":0.2967737913131714}],"sentiment":"neutral","sentiment_score":0.2461896389722824,"channel":1,"num_words":3,"start":38.71,"end":39.69},{"sentences":[{"text":"Fantastic.","start":40.239998,"end":40.739998,"sentiment":"positive","sentiment_score":0.6276676654815674},{"text":"And just to do quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":40.8,"end":47.315,"sentiment":"neutral","sentiment_score":0.2492772089317441}],"sentiment":"neutral","sentiment_score":0.26074358640295087,"channel":0,"num_words":33,"start":40.239998,"end":47.315},{"sentences":[{"text":"Yep.","start":47.645,"end":47.885002,"sentiment":"neutral","sentiment_score":0.07809748500585556},{"text":"Full name is Patrick Anthony Gill.","start":47.885002,"end":49.645,"sentiment":"neutral","sentiment_score":0.06264800702532132},{"text":"Date of birth","start":49.645,"end":50.285,"sentiment":"neutral","sentiment_score":0.052863756815592446}],"sentiment":"neutral","sentiment_score":0.06125767976045608,"channel":1,"num_words":10,"start":47.645,"end":50.285},{"sentences":[{"text":"Yep.","start":50.255,"end":50.755,"sentiment":"neutral","sentiment_score":0.05447065830230713}],"sentiment":"neutral","sentiment_score":0.05447065830230713,"channel":0,"num_words":1,"start":50.255,"end":50.755},{"sentences":[{"text":"is 10/02/1990, and address","start":50.285,"end":53.245003,"sentiment":"neutral","sentiment_score":0.05863438919186592}],"sentiment":"neutral","sentiment_score":0.05863438919186592,"channel":1,"num_words":4,"start":50.285,"end":53.245003},{"sentences":[{"text":"Yep.","start":53.215,"end":53.7,"sentiment":"neutral","sentiment_score":0.060186490416526794}],"sentiment":"neutral","sentiment_score":0.060186490416526794,"channel":0,"num_words":1,"start":53.215,"end":53.7},{"sentences":[{"text":"is Number 6 Teriki Street, Charlestown.","start":53.245003,"end":55.745003,"sentiment":"neutral","sentiment_score":0.07191079792877038}],"sentiment":"neutral","sentiment_score":0.07191079792877038,"channel":1,"num_words":6,"start":53.245003,"end":55.745003},{"sentences":[{"text":"Beautiful.","start":56.420002,"end":56.920002,"sentiment":"positive","sentiment_score":0.5166768431663513},{"text":"Thank you so much for that.","start":57.14,"end":58.760002,"sentiment":"positive","sentiment_score":0.5952546497186025},{"text":"I do normally send through some annual review documents to you just to kinda go through as we are going through your annual review.","start":58.82,"end":64.1,"sentiment":"neutral","sentiment_score":0.24363639950752258},{"text":"Are you able to access your email, sir, at the moment?","start":64.1,"end":66.6,"sentiment":"neutral","sentiment_score":0.10932841084220192}],"sentiment":"neutral","sentiment_score":0.265192639260065,"channel":0,"num_words":42,"start":56.420002,"end":66.6},{"sentences":[{"text":"Okay.","start":67.01,"end":67.41,"sentiment":"neutral","sentiment_score":0.055316485464572906},{"text":"Yeah.","start":67.41,"end":67.65,"sentiment":"neutral","sentiment_score":0.05629119277000427},{"text":"Yeah.","start":67.65,"end":67.97,"sentiment":"neutral","sentiment_score":0.06962476670742035},{"text":"Yep.","start":67.97,"end":68.47,"sentiment":"neutral","sentiment_score":0.10270997136831284}],"sentiment":"neutral","sentiment_score":0.07098560407757759,"channel":1,"num_words":4,"start":67.01,"end":68.47},{"sentences":[{"text":"Yes.","start":68.515,"end":68.915,"sentiment":"neutral","sentiment_score":0.22441139817237857},{"text":"Fantastic.","start":68.915,"end":69.415,"sentiment":"positive","sentiment_score":0.5144385099411011},{"text":"I'm just gonna press send on this one for you so it pops through fairly","start":69.635,"end":72.83501,"sentiment":"positive","sentiment_score":0.3610960265000661}],"sentiment":"positive","sentiment_score":0.36207590033026305,"channel":0,"num_words":17,"start":68.515,"end":72.83501},{"sentences":[{"text":"Cool.","start":72.53,"end":73.03,"sentiment":"positive","sentiment_score":0.44639354944229126}],"sentiment":"positive","sentiment_score":0.44639354944229126,"channel":1,"num_words":1,"start":72.53,"end":73.03},{"sentences":[{"text":"quickly.","start":72.83501,"end":73.33501,"sentiment":"neutral","sentiment_score":0.3074159026145935},{"text":"And how's your day been so 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you sort of look at your contribution for the last financial year, you had about 45,418 going in there.","start":248.48001,"end":255.36,"sentiment":"neutral","sentiment_score":0.043787541426718236},{"text":"So it did exceed the cap by a little over $15,400.","start":255.36,"end":259.32498,"sentiment":"neutral","sentiment_score":0.02972229062156244},{"text":"But when I went back just to have a look, the year prior, so the 2025 financial year, you had about 16,000 in cap based there.","start":259.32498,"end":268.86002,"sentiment":"neutral","sentiment_score":0.028735473107260007},{"text":"And because your balance is under that 500,000 as of the June 30 the year prior, you are eligible to use that carry forward 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you","start":277.9,"end":278.30002,"sentiment":"neutral","sentiment_score":0.3164951205253601}],"sentiment":"neutral","sentiment_score":0.3164951205253601,"channel":0,"num_words":2,"start":277.9,"end":278.30002},{"sentences":[{"text":"Awesome.","start":278.165,"end":278.665,"sentiment":"positive","sentiment_score":0.5159308314323425}],"sentiment":"positive","sentiment_score":0.5159308314323425,"channel":1,"num_words":1,"start":278.165,"end":278.665},{"sentences":[{"text":"if you do sort of look at your super and realize you had a lot of contributions going in last year, that's okay.","start":278.30002,"end":283.52002,"sentiment":"neutral","sentiment_score":0.21716546364452527},{"text":"You did exceed the cap, but you do have caps based on prior years, and you are eligible to use those.","start":283.755,"end":289.035,"sentiment":"neutral","sentiment_score":0.22057368145102546},{"text":"So that 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same document there, you can see your ClearView Life and CBD cover.","start":301.0,"end":305.58,"sentiment":"neutral","sentiment_score":0.04644571689681874},{"text":"Your ClearView Life cover shows that you have a sum insured of 2,053,155 there.","start":306.04,"end":312.975,"sentiment":"neutral","sentiment_score":0.044188142088907104},{"text":"If you think about the level of cover that you're after that you need, realistically, if you were to hypothetically pass away today, the level of cover there, the 2,000,053 is fully paid out, but then your super balance is paid out on top of that.","start":313.375,"end":326.915,"sentiment":"neutral","sentiment_score":0.008882742263781636}],"sentiment":"neutral","sentiment_score":0.03450112864068085,"channel":0,"num_words":91,"start":295.67502,"end":326.915},{"sentences":[{"text":"When you sort of think of your circumstances, do you feel like that's an appropriate level of 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you know, no we're not hiding anything with regard to how that works, but making sure that, you know, you you're aware that we would certainly help you to provide advice in that area if you were to claim.","start":400.055,"end":412.31,"sentiment":"neutral","sentiment_score":0.07363266208950354},{"text":"Okay?","start":412.31,"end":412.81,"sentiment":"neutral","sentiment_score":0.032971493899822235}],"sentiment":"neutral","sentiment_score":0.07281943872570991,"channel":0,"num_words":50,"start":400.055,"end":412.81},{"sentences":[{"text":"Yeah.","start":412.61002,"end":412.93002,"sentiment":"neutral","sentiment_score":0.033591970801353455},{"text":"Of course.","start":412.93002,"end":413.33002,"sentiment":"neutral","sentiment_score":0.048521049320697784},{"text":"That makes 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will look at what you're able to what you're insured for, what you made prior to disability, and then they're also gonna look at are you able to earn any of this income whilst you're currently off work so that they can try to reduce the claim.","start":534.295,"end":546.19,"sentiment":"neutral","sentiment_score":0.03487326883866141},{"text":"As you can imagine,","start":546.19,"end":547.15,"sentiment":"neutral","sentiment_score":-0.020326919388026}],"sentiment":"neutral","sentiment_score":0.03062710051353161,"channel":0,"num_words":52,"start":534.295,"end":547.15},{"sentences":[{"text":"Okay.","start":547.08,"end":547.58,"sentiment":"neutral","sentiment_score":-0.017179815098643303}],"sentiment":"neutral","sentiment_score":-0.017179815098643303,"channel":1,"num_words":1,"start":547.08,"end":547.58},{"sentences":[{"text":"insurance 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lesser","start":547.95,"end":549.41,"sentiment":"neutral","sentiment_score":-0.19697713603576025}],"sentiment":"neutral","sentiment_score":-0.19697713603576025,"channel":0,"num_words":6,"start":547.95,"end":549.41},{"sentences":[{"text":"Yeah.","start":549.8,"end":550.12,"sentiment":"neutral","sentiment_score":-0.09997645020484924}],"sentiment":"neutral","sentiment_score":-0.09997645020484924,"channel":1,"num_words":1,"start":549.8,"end":550.12},{"sentences":[{"text":"as","start":550.11,"end":550.43,"sentiment":"neutral","sentiment_score":-0.04101991653442383}],"sentiment":"neutral","sentiment_score":-0.04101991653442383,"channel":0,"num_words":1,"start":550.11,"end":550.43},{"sentences":[{"text":"Of course.","start":550.12,"end":550.77997,"sentiment":"neutral","sentiment_score":-0.02373056858778}],"sentiment":"neutral","sentiment_score":-0.02373056858778,"channel":1,"num_words":2,"start":550.12,"end":550.77997},{"sentences":[{"text":"as little as little of the claim as possible, essentially.","start":550.43,"end":552.85,"sentiment":"neutral","sentiment_score":-0.06158229811117053}],"sentiment":"neutral","sentiment_score":-0.06158229811117053,"channel":0,"num_words":10,"start":550.43,"end":552.85},{"sentences":[{"text":"Yep.","start":553.64,"end":554.14,"sentiment":"neutral","sentiment_score":0.09601473808288574}],"sentiment":"neutral","sentiment_score":0.09601473808288574,"channel":1,"num_words":1,"start":553.64,"end":554.14},{"sentences":[{"text":"We're sort of looking at that.","start":554.51,"end":555.95,"sentiment":"neutral","sentiment_score":0.04220351514716943},{"text":"Now based on just your full time income of that 300,000, that would essentially see us requiring a monthly benefit about 17,500.","start":555.95,"end":566.34503,"sentiment":"neutral","sentiment_score":0.03399760462343693},{"text":"But if you look at your circumstances and your current scenario, it would that 13,018 on a monthly benefit pretax, would that cover majority of your expenses?","start":566.485,"end":577.07,"sentiment":"neutral","sentiment_score":0.02804283825335679},{"text":"Would you need to maybe look at increasing the income protection benefit to cover you?","start":577.07,"end":581.15,"sentiment":"neutral","sentiment_score":-0.019644197821617127},{"text":"How do you sort of feel about that?","start":581.15,"end":582.85004,"sentiment":"neutral","sentiment_score":0.014498562552034855}],"sentiment":"neutral","sentiment_score":0.020251930237580568,"channel":0,"num_words":78,"start":554.51,"end":582.85004},{"sentences":[{"text":"I'll look for Simplicity.","start":583.995,"end":585.295,"sentiment":"neutral","sentiment_score":0.23375294730067253},{"text":"I might just keep it 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wanted to sort of look at that in more detail, let me know.","start":590.455,"end":594.375,"sentiment":"neutral","sentiment_score":0.21726041038831076},{"text":"I'm more than happy to do so.","start":594.375,"end":595.91504,"sentiment":"positive","sentiment_score":0.6421538676534381},{"text":"We do review these every year with you.","start":596.135,"end":598.375,"sentiment":"positive","sentiment_score":0.3433058299124241},{"text":"But, yes, it's about making sure that you're got the right level of cover that suits you, but that you're not also overpaying for insurances because that those funds do come out of your super.","start":598.375,"end":608.76,"sentiment":"neutral","sentiment_score":0.14016232660838535}],"sentiment":"neutral","sentiment_score":0.2422291824262436,"channel":0,"num_words":73,"start":589.655,"end":608.76},{"sentences":[{"text":"And insurances do get more expensive as you get older as well, and that can have a greater effect on 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claim.","start":628.135,"end":633.65,"sentiment":"neutral","sentiment_score":-0.14345492765307427},{"text":"So, essentially, we'd sort of say if it if anything was to happen and you felt you were gonna make that waiting period to let us know straight away, we'll let the insurer know.","start":633.79,"end":641.87,"sentiment":"neutral","sentiment_score":-0.04952218586250263},{"text":"They'll start the waiting period from the first day that you were off work.","start":641.87,"end":645.045,"sentiment":"neutral","sentiment_score":-0.06870983368051904}],"sentiment":"neutral","sentiment_score":-0.08887421746591204,"channel":0,"num_words":76,"start":626.695,"end":645.045},{"sentences":[{"text":"Once that thirty day hits, then the insurance can can be submitted.","start":645.52496,"end":649.385,"sentiment":"neutral","sentiment_score":-0.016011957079172134},{"text":"It can take another thirty odd days depending on the insurer to pay out the claim.","start":649.925,"end":654.165,"sentiment":"neutral","sentiment_score":-0.19837721204385161},{"text":"So you are often paid in arrears.","start":654.165,"end":655.945,"sentiment":"neutral","sentiment_score":-0.2813385214124407},{"text":"So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through.","start":656.485,"end":664.86005,"sentiment":"neutral","sentiment_score":-0.018605227814987302},{"text":"So you realistically are not receiving an income for about sixty days with that one.","start":664.86005,"end":669.60004,"sentiment":"neutral","sentiment_score":-0.12636582553386688}],"sentiment":"neutral","sentiment_score":-0.09544394147105334,"channel":0,"num_words":82,"start":645.52496,"end":669.60004},{"sentences":[{"text":"With the benefit period, it's how long you can be on a claim 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you.","start":700.745,"end":705.165,"sentiment":"neutral","sentiment_score":-0.038724279297249656},{"text":"Okay?","start":705.225,"end":705.725,"sentiment":"neutral","sentiment_score":0.008422132581472397}],"sentiment":"neutral","sentiment_score":-0.03558118517200152,"channel":0,"num_words":15,"start":700.745,"end":705.725},{"sentences":[{"text":"Yeah.","start":705.40497,"end":705.725,"sentiment":"neutral","sentiment_score":0.051724184304475784},{"text":"K.","start":705.725,"end":705.96497,"sentiment":"neutral","sentiment_score":0.09899308532476424},{"text":"Cool.","start":705.96497,"end":706.365,"sentiment":"neutral","sentiment_score":0.24588435888290405},{"text":"Yep.","start":706.365,"end":706.865,"sentiment":"neutral","sentiment_score":0.1995106339454651}],"sentiment":"neutral","sentiment_score":0.1490280656144023,"channel":1,"num_words":4,"start":705.40497,"end":706.865},{"sentences":[{"text":"Yep.","start":706.665,"end":707.065,"sentiment":"neutral","sentiment_score":0.275722861289978},{"text":"Beautiful.","start":707.065,"end":707.565,"sentiment":"positive","sentiment_score":0.5047104358673096},{"text":"At the moment, the amount that you have paid for the policy is $2,380.36.","start":708.105,"end":713.625,"sentiment":"neutral","sentiment_score":0.07008449653429645},{"text":"That's how much came out of your super fund.","start":713.625,"end":715.71,"sentiment":"neutral","sentiment_score":0.057951629575755864},{"text":"But the total amount the insurer actually received was 2,800 for the policy.","start":716.11005,"end":720.37,"sentiment":"neutral","sentiment_score":0.010727178305387497}],"sentiment":"neutral","sentiment_score":0.06375353244182311,"channel":0,"num_words":38,"start":706.665,"end":720.37},{"sentences":[{"text":"So I'll just keep reviewing this with you each year.","start":720.43,"end":722.91003,"sentiment":"neutral","sentiment_score":0.019714896008372305},{"text":"They as I said, they are gonna get more expensive over time, so we wanna make sure the policy stays in line with what you needed to cover, but also making sure we're not eating away too much of your sleep down the track there as well.","start":722.91003,"end":734.57495,"sentiment":"neutral","sentiment_score":-0.15245503908459176},{"text":"Okay?","start":734.57495,"end":735.07495,"sentiment":"neutral","sentiment_score":-0.011729037389159204}],"sentiment":"neutral","sentiment_score":-0.12034425714278016,"channel":0,"num_words":58,"start":720.43,"end":735.07495},{"sentences":[{"text":"For sure.","start":734.84503,"end":735.485,"sentiment":"neutral","sentiment_score":0.026340439915657043},{"text":"Yep.","start":735.485,"end":735.985,"sentiment":"neutral","sentiment_score":0.1501036137342453}],"sentiment":"neutral","sentiment_score":0.06759483118851979,"channel":1,"num_words":3,"start":734.84503,"end":735.985},{"sentences":[{"text":"Excellent.","start":736.175,"end":736.675,"sentiment":"positive","sentiment_score":0.527434766292572},{"text":"All good.","start":736.89496,"end":737.71497,"sentiment":"positive","sentiment_score":0.5184846222400665},{"text":"The only other thing I can sort of see is you 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here.","start":809.47003,"end":814.19,"sentiment":"neutral","sentiment_score":0.06485504359006881},{"text":"So this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed.","start":814.19,"end":822.525,"sentiment":"neutral","sentiment_score":0.012954073608852923},{"text":"Majority of them have performed really well for the year, and you have received your really good return at 7.31%.","start":823.305,"end":829.085,"sentiment":"neutral","sentiment_score":0.2346347875893116}],"sentiment":"neutral","sentiment_score":0.10579693799217542,"channel":0,"num_words":75,"start":807.39,"end":829.085},{"sentences":[{"text":"However, I can see the top that that been along Australian equities is underperforming slightly, and I think that's also having a bit of an effect on your super.","start":829.625,"end":836.82,"sentiment":"neutral","sentiment_score":-0.2566312721063351},{"text":"So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations.","start":836.82,"end":843.48,"sentiment":"neutral","sentiment_score":0.05717548458226796},{"text":"I definitely wanna look at pulling that investment out of there.","start":843.86,"end":846.765,"sentiment":"neutral","sentiment_score":0.0006407868455756794},{"text":"One of the things and one of the things that having Bennelong in that is that Bennelong is supposed to be an actively managed fund.","start":847.645,"end":854.28503,"sentiment":"neutral","sentiment_score":-0.10211628153920174},{"text":"So the investment manager within that fund is trying to outperform against the market, trying to pick the top of the bottom and pick investments to buy into at certain 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need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try 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you.","start":958.32996,"end":960.25,"sentiment":"neutral","sentiment_score":0.04614524223974773},{"text":"Okay?","start":960.25,"end":960.75,"sentiment":"neutral","sentiment_score":0.059515342116355896}],"sentiment":"neutral","sentiment_score":0.04781650472432375,"channel":0,"num_words":8,"start":958.32996,"end":960.75},{"sentences":[{"text":"Yeah.","start":960.64496,"end":960.96497,"sentiment":"neutral","sentiment_score":0.21254779398441315},{"text":"Nice.","start":960.96497,"end":961.44495,"sentiment":"positive","sentiment_score":0.5077669620513916},{"text":"I'm good.","start":961.44495,"end":962.185,"sentiment":"positive","sentiment_score":0.5435029566287994}],"sentiment":"positive","sentiment_score":0.4518301673233509,"channel":1,"num_words":4,"start":960.64496,"end":962.185},{"sentences":[{"text":"Excellent.","start":962.08997,"end":962.58997,"sentiment":"positive","sentiment_score":0.5666921138763428},{"text":"The other thing I am looking at is the bank hybrids 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yeah, the idea is that the higher your balance goes, the next tier will drop down a little bit lower for you.","start":1308.325,"end":1315.0449,"sentiment":"neutral","sentiment_score":0.13276146983970766},{"text":"So the percentage is a bit lower, but we're also gonna work it out as a set dollar figure fee.","start":1315.0449,"end":1320.26,"sentiment":"neutral","sentiment_score":0.05368752852082252},{"text":"One of the things that we have sorta had in the past is with a percentage based fee, we're giving you an estimate of how much you're expected to pay for the year, but then it depends upon the market as to how much we actually receive.","start":1320.26,"end":1331.135,"sentiment":"neutral","sentiment_score":0.07220079250475193},{"text":"So there's no real certainty in that for you.","start":1331.135,"end":1333.635,"sentiment":"neutral","sentiment_score":-0.012092459325989088},{"text":"We're going to be as of the new and even this agreement has been set up that way for 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right?","start":2153.405,"end":2154.225,"sentiment":"neutral","sentiment_score":0.11209553728501002}],"sentiment":"neutral","sentiment_score":0.12843731492757798,"channel":0,"num_words":10,"start":2150.445,"end":2154.225},{"sentences":[{"text":"Yeah.","start":2154.185,"end":2154.5852,"sentiment":"neutral","sentiment_score":0.06515855342149734},{"text":"That's right.","start":2154.5852,"end":2155.145,"sentiment":"neutral","sentiment_score":0.08179230615496635},{"text":"Yeah.","start":2155.145,"end":2155.385,"sentiment":"neutral","sentiment_score":0.05809316039085388},{"text":"Yeah.","start":2155.385,"end":2155.705,"sentiment":"neutral","sentiment_score":0.04975735396146774},{"text":"That's","start":2155.705,"end":2155.945,"sentiment":"neutral","sentiment_score":0.040749162435531616}],"sentiment":"neutral","sentiment_score":0.06289047375321388,"channel":1,"num_words":6,"start":2154.185,"end":2155.945},{"sentences":[{"text":"Yeah.","start":2155.725,"end":2156.225,"sentiment":"neutral","sentiment_score":0.0335814543068409}],"sentiment":"neutral","sentiment_score":0.0335814543068409,"channel":0,"num_words":1,"start":2155.725,"end":2156.225},{"sentences":[{"text":"him.","start":2155.945,"end":2156.445,"sentiment":"neutral","sentiment_score":0.017080893740057945}],"sentiment":"neutral","sentiment_score":0.017080893740057945,"channel":1,"num_words":1,"start":2155.945,"end":2156.445},{"sentences":[{"text":"So just to kind of talk a bit more about your beneficiary side of things as well.","start":2156.445,"end":2160.2852,"sentiment":"neutral","sentiment_score":0.146659015732653},{"text":"So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur.","start":2160.2852,"end":2167.34,"sentiment":"neutral","sentiment_score":0.27625747080202456},{"text":"Is that right?","start":2167.34,"end":2168.24,"sentiment":"neutral","sentiment_score":0.2719546506802241}],"sentiment":"neutral","sentiment_score":0.22910678576915822,"channel":0,"num_words":47,"start":2156.445,"end":2168.24},{"sentences":[{"text":"Yeah.","start":2168.56,"end":2168.8801,"sentiment":"neutral","sentiment_score":0.22472187876701355},{"text":"Sure.","start":2168.8801,"end":2169.28,"sentiment":"neutral","sentiment_score":0.2612161338329315},{"text":"Yep.","start":2169.28,"end":2169.78,"sentiment":"neutral","sentiment_score":0.23225274682044983}],"sentiment":"neutral","sentiment_score":0.2393969198067983,"channel":1,"num_words":3,"start":2168.56,"end":2169.78},{"sentences":[{"text":"Yep.","start":2169.74,"end":2170.22,"sentiment":"positive","sentiment_score":0.37290769815444946},{"text":"Perfect.","start":2170.38,"end":2170.78,"sentiment":"positive","sentiment_score":0.6910867691040039},{"text":"I'm just having a quick look at your life insurance as 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he is under 18, he is still a minor and a dependent of yours.","start":2175.845,"end":2180.665,"sentiment":"neutral","sentiment_score":0.2029648592074712},{"text":"If anything was to happen till you say you were to pass away, those proceeds can be paid to him.","start":2181.125,"end":2186.825,"sentiment":"neutral","sentiment_score":0.22791924588382245},{"text":"However, because he is a minor, they're not paid directly to him.","start":2187.525,"end":2191.0198,"sentiment":"neutral","sentiment_score":-0.07231639123832186},{"text":"They do go through the guardian.","start":2191.0198,"end":2192.64,"sentiment":"neutral","sentiment_score":-0.004575510819753011},{"text":"So, realistically, if you were to pass away, who would be his guardian, and do you feel comfortable having those proceeds paid through that person to him to make sure he gets the funds.","start":2193.0198,"end":2203.9548,"sentiment":"neutral","sentiment_score":0.09996262083158773}],"sentiment":"neutral","sentiment_score":0.11616479487682896,"channel":0,"num_words":87,"start":2175.845,"end":2203.9548},{"sentences":[{"text":"Yeah.","start":2204.645,"end":2204.885,"sentiment":"neutral","sentiment_score":0.022515669465065},{"text":"Look.","start":2204.885,"end":2205.045,"sentiment":"neutral","sentiment_score":0.004778511822223663},{"text":"That's a great question.","start":2205.045,"end":2206.085,"sentiment":"neutral","sentiment_score":0.02741426788270473},{"text":"I'm not actually sure who would pay you the Guardian, and how how do you actually figure that out?","start":2206.085,"end":2210.885,"sentiment":"neutral","sentiment_score":-0.16970193464505046},{"text":"Like, where where does that come from?","start":2210.885,"end":2212.7449,"sentiment":"neutral","sentiment_score":-0.141335166990757}],"sentiment":"neutral","sentiment_score":-0.12739786482416093,"channel":1,"num_words":32,"start":2204.645,"end":2212.7449},{"sentences":[{"text":"Yeah.","start":2213.135,"end":2213.4548,"sentiment":"neutral","sentiment_score":0.013138942420482635},{"text":"So as part of your estate planning, if you do a will power of attorney, you can also have a guardianship document done up, which basically","start":2213.4548,"end":2220.0898,"sentiment":"neutral","sentiment_score":0.07799604234214012}],"sentiment":"neutral","sentiment_score":0.07559392753022688,"channel":0,"num_words":27,"start":2213.135,"end":2220.0898},{"sentences":[{"text":"Okay.","start":2219.765,"end":2220.265,"sentiment":"neutral","sentiment_score":0.0756215825676918}],"sentiment":"neutral","sentiment_score":0.0756215825676918,"channel":1,"num_words":1,"start":2219.765,"end":2220.265},{"sentences":[{"text":"notes that you are directing someone to become his guardian in the event that you passed away, and then the funds can be paid directly to them.","start":2220.15,"end":2230.165,"sentiment":"neutral","sentiment_score":0.061420097671173235},{"text":"This is the money isn't paid directly to a minor.","start":2230.305,"end":2232.625,"sentiment":"neutral","sentiment_score":0.011780406907200813},{"text":"It normally goes through the guardian.","start":2232.625,"end":2234.085,"sentiment":"neutral","sentiment_score":0.027613770837585132},{"text":"And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, 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the beneficiary is exactly fine the way it is.","start":2270.23,"end":2273.77,"sentiment":"positive","sentiment_score":0.6388802766799927},{"text":"It's just about making sure that things are directed as per your wishes.","start":2273.99,"end":2277.69,"sentiment":"positive","sentiment_score":0.5597671476694254},{"text":"There is another way that you can have your beneficiary updated if you wanted to, and that's essentially I reckon that's essentially nominating legal personal representative, which means that everything gets paid to your estate.","start":2278.31,"end":2289.655,"sentiment":"positive","sentiment_score":0.4003909187657492},{"text":"And then having a minor child, you can always have, like, a a trust set up through through 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time.","start":2302.53,"end":2310.895,"sentiment":"positive","sentiment_score":0.37743584046492706},{"text":"So it just gives you a lot more control and certainty around doing it.","start":2310.895,"end":2314.835,"sentiment":"positive","sentiment_score":0.4936309499400003},{"text":"But your beneficiary nomination, the way it's set up, is absolutely fine.","start":2314.895,"end":2318.2551,"sentiment":"positive","sentiment_score":0.6383272012074789}],"sentiment":"positive","sentiment_score":0.47324690294552996,"channel":0,"num_words":83,"start":2297.8901,"end":2318.2551},{"sentences":[{"text":"It's just noting that he wouldn't receive the lump sum.","start":2318.2551,"end":2320.915,"sentiment":"neutral","sentiment_score":0.2090417891740799},{"text":"It would be applied for through his guardian and then paid to his guardian to be held in trust for him at a 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local solicitor I can send to you if you like just with a bit of a costing and some information on who they are.","start":2344.545,"end":2350.8,"sentiment":"neutral","sentiment_score":0.09847981826617168},{"text":"We can always refer you through to to them if you'd like.","start":2351.04,"end":2354.26,"sentiment":"neutral","sentiment_score":0.18126943334937096},{"text":"The other option is all the states do have, like, their public trustees who can set up wills and things for you as well.","start":2354.8,"end":2361.04,"sentiment":"neutral","sentiment_score":0.18890632626911005},{"text":"So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself.","start":2361.04,"end":2372.045,"sentiment":"neutral","sentiment_score":0.08405343087183105},{"text":"Does that sound 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different factors to sort of take into account","start":2722.755,"end":2725.635,"sentiment":"neutral","sentiment_score":0.0465802386817005}],"sentiment":"neutral","sentiment_score":0.0465802386817005,"channel":0,"num_words":9,"start":2722.755,"end":2725.635},{"sentences":[{"text":"Yeah.","start":2725.1848,"end":2725.6848,"sentiment":"neutral","sentiment_score":0.029836641624569893}],"sentiment":"neutral","sentiment_score":0.029836641624569893,"channel":1,"num_words":1,"start":2725.1848,"end":2725.6848},{"sentences":[{"text":"there.","start":2725.635,"end":2726.04,"sentiment":"neutral","sentiment_score":0.02017916738986969},{"text":"And if getting an investment property is probably your main main criteria, I'd be looking to maybe hold off on additional contributions now, let you sort of go through that borrowing capacity because, you know, property is expensive.","start":2726.28,"end":2739.6602,"sentiment":"neutral","sentiment_score":-0.10542631266932738},{"text":"We all know that it's 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self employed business or your company full time, or are you sorta hoping to keep them both working coincide along over the next few years?","start":2895.71,"end":2905.0698,"sentiment":"neutral","sentiment_score":0.11418960857040741}],"sentiment":"neutral","sentiment_score":0.1551381585313313,"channel":0,"num_words":67,"start":2885.075,"end":2905.0698},{"sentences":[{"text":"What's your","start":2905.0698,"end":2905.5498,"sentiment":"neutral","sentiment_score":0.04616143740713596}],"sentiment":"neutral","sentiment_score":0.04616143740713596,"channel":0,"num_words":2,"start":2905.0698,"end":2905.5498},{"sentences":[{"text":"Yeah.","start":2905.46,"end":2905.96,"sentiment":"neutral","sentiment_score":0.061581093817949295}],"sentiment":"neutral","sentiment_score":0.061581093817949295,"channel":1,"num_words":1,"start":2905.46,"end":2905.96},{"sentences":[{"text":"goal with that?","start":2905.5498,"end":2906.45,"sentiment":"neutral","sentiment_score":0.061522560815016426}],"sentiment":"neutral","sentiment_score":0.061522560815016426,"channel":0,"num_words":3,"start":2905.5498,"end":2906.45},{"sentences":[{"text":"Yeah.","start":2906.42,"end":2906.74,"sentiment":"neutral","sentiment_score":0.08614645898342133},{"text":"Definitely came to just have one thing going.","start":2906.74,"end":2909.7,"sentiment":"neutral","sentiment_score":0.12371762283146381},{"text":"That's one instead of","start":2909.7,"end":2910.5798,"sentiment":"neutral","sentiment_score":0.00041289645014330745}],"sentiment":"neutral","sentiment_score":0.08288761749505423,"channel":1,"num_words":13,"start":2906.42,"end":2910.5798},{"sentences":[{"text":"Yeah.","start":2910.525,"end":2911.025,"sentiment":"neutral","sentiment_score":0.007412742357701063}],"sentiment":"neutral","sentiment_score":0.007412742357701063,"channel":0,"num_words":1,"start":2910.525,"end":2911.025},{"sentences":[{"text":"both.","start":2910.5798,"end":2910.9,"sentiment":"neutral","sentiment_score":0.007367945741862059},{"text":"But,","start":2910.9,"end":2911.4,"sentiment":"neutral","sentiment_score":0.013770134188234806}],"sentiment":"neutral","sentiment_score":0.010569039965048432,"channel":1,"num_words":2,"start":2910.5798,"end":2911.4},{"sentences":[{"text":"Yep.","start":2911.1648,"end":2911.6648,"sentiment":"neutral","sentiment_score":0.027335941791534424}],"sentiment":"neutral","sentiment_score":0.027335941791534424,"channel":0,"num_words":1,"start":2911.1648,"end":2911.6648},{"sentences":[{"text":"yeah, just depending what projects come up.","start":2912.025,"end":2914.845,"sentiment":"neutral","sentiment_score":0.011419566015579872},{"text":"So, yeah, it's still still a goal to progress into self employed, I suppose.","start":2914.905,"end":2920.125,"sentiment":"neutral","sentiment_score":0.04997544123658112}],"sentiment":"neutral","sentiment_score":0.0371234828295807,"channel":1,"num_words":21,"start":2912.025,"end":2920.125},{"sentences":[{"text":"Okay.","start":2920.2048,"end":2920.7048,"sentiment":"neutral","sentiment_score":0.01451060175895691},{"text":"Yep.","start":2920.9248,"end":2921.4248,"sentiment":"neutral","sentiment_score":0.008653707802295685}],"sentiment":"neutral","sentiment_score":0.011582154780626297,"channel":0,"num_words":2,"start":2920.2048,"end":2921.4248},{"sentences":[{"text":"But, yeah, that that's how to say whether that might be three months away or, you know, a couple of years.","start":2921.625,"end":2925.8306,"sentiment":"neutral","sentiment_score":-0.036224985317814914},{"text":"Just depends on how things unfold.","start":2925.8306,"end":2926.105,"sentiment":"neutral","sentiment_score":-0.028168452593187492},{"text":"Yeah.","start":2926.105,"end":2926.355,"sentiment":"neutral","sentiment_score":0.003620761912316084},{"text":"Exactly.","start":2926.355,"end":2926.855,"sentiment":"neutral","sentiment_score":0.014083757065236568}],"sentiment":"neutral","sentiment_score":-0.03144934097433399,"channel":1,"num_words":29,"start":2921.625,"end":2926.855},{"sentences":[{"text":"Yes.","start":2926.62,"end":2927.1,"sentiment":"neutral","sentiment_score":0.02108386904001236},{"text":"Depends on how it grows.","start":2927.1,"end":2928.48,"sentiment":"neutral","sentiment_score":0.011734727956354617},{"text":"Yeah.","start":2929.18,"end":2929.58,"sentiment":"neutral","sentiment_score":0.09201008081436156},{"text":"Absolutely.","start":2929.58,"end":2930.08,"sentiment":"positive","sentiment_score":0.38676682114601135},{"text":"Perfect.","start":2930.78,"end":2931.28,"sentiment":"positive","sentiment_score":0.6340019702911377}],"sentiment":"neutral","sentiment_score":0.13250404234147733,"channel":0,"num_words":9,"start":2926.62,"end":2931.28},{"sentences":[{"text":"Fantastic.","start":2931.42,"end":2931.92,"sentiment":"positive","sentiment_score":0.6676481366157532},{"text":"Well, thank you so much for updating those details there for me.","start":2931.98,"end":2935.125,"sentiment":"positive","sentiment_score":0.618688220779101},{"text":"The last thing to do is just to run through a bit of a risk profile questionnaire.","start":2935.205,"end":2938.265,"sentiment":"neutral","sentiment_score":0.0864028514308088},{"text":"So I've got most of them answered already, which is great.","start":2938.485,"end":2941.785,"sentiment":"neutral","sentiment_score":0.156797470016913},{"text":"The main ones to sort of go through are probably the hardest ones to answer.","start":2942.245,"end":2946.505,"sentiment":"neutral","sentiment_score":-0.061065673579772314}],"sentiment":"neutral","sentiment_score":0.18517039869246738,"channel":0,"num_words":56,"start":2931.42,"end":2946.505},{"sentences":[{"text":"The first one here is essentially when you think about risk and the risk you're taking within your super, do you consider yourself comfortable to take on a higher level of risk to get greater potential returns knowing that the downside is also a factor and that the more your balance increases, the more risk you're taking, the more you can feel the downside?","start":2947.125,"end":2965.34,"sentiment":"neutral","sentiment_score":-0.06958020883030258},{"text":"Are you probably more comfortable taking on a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking a lot of risk in the market and knowing the returns are lower?","start":2966.415,"end":2976.495,"sentiment":"neutral","sentiment_score":-0.10195003707821552},{"text":"Where do you think you probably sit in","start":2976.495,"end":2978.28,"sentiment":"neutral","sentiment_score":-0.04824386117979884}],"sentiment":"neutral","sentiment_score":-0.07941563694259605,"channel":0,"num_words":111,"start":2947.125,"end":2978.28},{"sentences":[{"text":"Probably another.","start":2979.595,"end":2980.575,"sentiment":"neutral","sentiment_score":-0.047972215339541435}],"sentiment":"neutral","sentiment_score":-0.047972215339541435,"channel":1,"num_words":2,"start":2979.595,"end":2980.575},{"sentences":[{"text":"that scale?","start":2981.16,"end":2981.82,"sentiment":"neutral","sentiment_score":-0.03343269228935242},{"text":"Yeah.","start":2981.8801,"end":2982.28,"sentiment":"neutral","sentiment_score":0.06897354125976562},{"text":"Beautiful.","start":2982.28,"end":2982.78,"sentiment":"neutral","sentiment_score":0.30767059326171875},{"text":"Excellent.","start":2983.0,"end":2983.5,"sentiment":"neutral","sentiment_score":0.32874763011932373},{"text":"The next one here is if you saw your portfolio fall by 20% in the next sort of one to two years, how do you think you might be feeling?","start":2984.52,"end":2991.74,"sentiment":"neutral","sentiment_score":0.009936153826614221}],"sentiment":"neutral","sentiment_score":0.026760314138872282,"channel":0,"num_words":35,"start":2981.16,"end":2991.74},{"sentences":[{"text":"Are you excited about the investment opportunity being it's a market dip?","start":2992.045,"end":2995.905,"sentiment":"neutral","sentiment_score":0.000504679357012113},{"text":"Are you probably holding and waiting to see what happens and maybe on the phone to us to see what we suggest you do, or are you a bit nervous and wanting to sell the investments to cash?","start":2996.125,"end":3004.95,"sentiment":"neutral","sentiment_score":-0.04249140311424669},{"text":"What do you think you might do?","start":3005.03,"end":3006.89,"sentiment":"neutral","sentiment_score":-0.035508734573210986}],"sentiment":"neutral","sentiment_score":-0.03258207558017028,"channel":0,"num_words":57,"start":2992.045,"end":3006.89},{"sentences":[{"text":"Oh, look.","start":3007.7249,"end":3008.125,"sentiment":"neutral","sentiment_score":-0.03340065851807594},{"text":"I'm not very well versed in that sort of thing, so I'd be calling you guys and asking for advice.","start":3008.125,"end":3013.645,"sentiment":"neutral","sentiment_score":-0.08279641475528479},{"text":"So let me share.","start":3013.645,"end":3014.545,"sentiment":"neutral","sentiment_score":-0.011237733066082}],"sentiment":"neutral","sentiment_score":-0.06798771324639137,"channel":1,"num_words":26,"start":3007.7249,"end":3014.545},{"sentences":[{"text":"Yeah.","start":3014.15,"end":3014.65,"sentiment":"neutral","sentiment_score":0.04423452168703079},{"text":"Absolutely.","start":3015.19,"end":3015.69,"sentiment":"neutral","sentiment_score":0.12498760223388672},{"text":"Not a problem at all.","start":3016.15,"end":3017.53,"sentiment":"neutral","sentiment_score":0.1580222100019455},{"text":"I've got down here that when we're looking at the rate of return, you're trying to get the best possible return you can over the longer term.","start":3018.425,"end":3024.505,"sentiment":"neutral","sentiment_score":0.08163717237335665},{"text":"Am I right in ticking that box?","start":3024.505,"end":3026.205,"sentiment":"neutral","sentiment_score":0.06850785416151796}],"sentiment":"neutral","sentiment_score":0.08885589773516829,"channel":0,"num_words":41,"start":3014.15,"end":3026.205},{"sentences":[{"text":"Yeah.","start":3026.65,"end":3026.97,"sentiment":"neutral","sentiment_score":0.044485222548246384},{"text":"For sure.","start":3026.97,"end":3027.45,"sentiment":"neutral","sentiment_score":0.05081280134618282},{"text":"Yeah.","start":3027.45,"end":3027.69,"sentiment":"neutral","sentiment_score":0.10941450297832488},{"text":"Definitely.","start":3027.69,"end":3028.19,"sentiment":"neutral","sentiment_score":0.27230364084243774}],"sentiment":"neutral","sentiment_score":0.10556579381227493,"channel":1,"num_words":5,"start":3026.65,"end":3028.19},{"sentences":[{"text":"Yep.","start":3028.105,"end":3028.605,"sentiment":"neutral","sentiment_score":0.2533266246318817},{"text":"Beautiful.","start":3028.905,"end":3029.405,"sentiment":"positive","sentiment_score":0.5611377954483032},{"text":"With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips?","start":3030.03,"end":3036.67,"sentiment":"neutral","sentiment_score":-0.03461491610658796},{"text":"How do you think you might be feeling?","start":3036.67,"end":3038.37,"sentiment":"neutral","sentiment_score":-0.030527406372129917}],"sentiment":"neutral","sentiment_score":-0.0030151116180008857,"channel":0,"num_words":29,"start":3028.105,"end":3038.37},{"sentences":[{"text":"Oh, I'd be cautious for sure.","start":3039.3948,"end":3040.835,"sentiment":"neutral","sentiment_score":-0.12452477837602298},{"text":"Yeah.","start":3040.835,"end":3041.335,"sentiment":"neutral","sentiment_score":0.08363285660743713}],"sentiment":"neutral","sentiment_score":-0.09478797337838582,"channel":1,"num_words":7,"start":3039.3948,"end":3041.335},{"sentences":[{"text":"Yep.","start":3042.11,"end":3042.61,"sentiment":"neutral","sentiment_score":0.14500267803668976},{"text":"Absolutely.","start":3042.83,"end":3043.33,"sentiment":"positive","sentiment_score":0.3977738618850708},{"text":"Beautiful.","start":3044.03,"end":3044.53,"sentiment":"positive","sentiment_score":0.5446594953536987},{"text":"Now you've thank you so much, though.","start":3045.335,"end":3047.335,"sentiment":"positive","sentiment_score":0.4805536823613303},{"text":"You've scored it as a growth investor.","start":3047.335,"end":3049.515,"sentiment":"neutral","sentiment_score":0.18454780323164804}],"sentiment":"positive","sentiment_score":0.33783214320154753,"channel":0,"num_words":17,"start":3042.11,"end":3049.515},{"sentences":[{"text":"So at the moment, as I kinda mentioned, you're in that high growth environment, which sees 90% in those growth assets.","start":3049.575,"end":3055.4348,"sentiment":"neutral","sentiment_score":0.06461148336529732},{"text":"With the scoring as a growth investor, we'd see us reduce the risk level by about 10%.","start":3056.055,"end":3061.26,"sentiment":"neutral","sentiment_score":0.04635000601410866},{"text":"The main difference there is that the high growth portfolio, you're trying to obtain around about a eight to 10% return on a yearly basis there.","start":3061.56,"end":3069.24,"sentiment":"neutral","sentiment_score":0.038428105342273526},{"text":"And when we think about the expected volatility, the market could go up by more than 14% or you could see a dip of around 14% expected.","start":3069.24,"end":3077.075,"sentiment":"neutral","sentiment_score":-0.07104057666880113},{"text":"The likelihood of a negative return return, that high growth environment is one in every five years, and you've got more than eight years ahead of you.","start":3077.935,"end":3085.855,"sentiment":"neutral","sentiment_score":-0.18388565712504917}],"sentiment":"neutral","sentiment_score":-0.031687172208675896,"channel":0,"num_words":118,"start":3049.575,"end":3085.855},{"sentences":[{"text":"So you definitely suit that time horizon for that sort of portfolio.","start":3085.855,"end":3089.075,"sentiment":"neutral","sentiment_score":0.09819526225328445},{"text":"If we did look to sort of pull you back a bit to that growth environment, you have 80% invested in those growth assets.","start":3089.82,"end":3096.9402,"sentiment":"neutral","sentiment_score":-0.01180079928599298},{"text":"So we are increasing the defensive low risk component by about 10% there.","start":3096.9402,"end":3101.98,"sentiment":"neutral","sentiment_score":0.04208925767586781},{"text":"So you see 20% invested in cash, bonds, and fixed interest.","start":3101.98,"end":3105.615,"sentiment":"neutral","sentiment_score":0.030195733362978153},{"text":"The expected average returns about seven to 9%, and, again, a likelihood of a negative return is about one in every sort of five years.","start":3106.3152,"end":3114.0151,"sentiment":"neutral","sentiment_score":-0.1324897065758705}],"sentiment":"neutral","sentiment_score":-0.018091826864025173,"channel":0,"num_words":85,"start":3085.855,"end":3114.0151},{"sentences":[{"text":"Realistically, you could begin both of those portfolios.","start":3114.235,"end":3117.0552,"sentiment":"neutral","sentiment_score":0.002753371372818947},{"text":"It really just depends upon where that 10% realistically is gonna make much of a difference to you or whether you're gonna be concerned if you feel it.","start":3117.195,"end":3124.97,"sentiment":"neutral","sentiment_score":-0.027599777760250226},{"text":"Did you wanna kinda stay in that high growth environment for another year, or did you want me to sort of look at reducing the risk level back a bit for you?","start":3125.3499,"end":3132.3098,"sentiment":"neutral","sentiment_score":-0.07320141838863492},{"text":"How do you feel about that, and do you have more","start":3132.3098,"end":3134.385,"sentiment":"neutral","sentiment_score":-0.06406855413859541}],"sentiment":"neutral","sentiment_score":-0.04807552266158635,"channel":0,"num_words":79,"start":3114.235,"end":3134.385},{"sentences":[{"text":"I would say it's hard to say between the two, to be honest, but I think, yeah, probably going with the growth option as opposed to the higher higher","start":3136.755,"end":3146.195,"sentiment":"neutral","sentiment_score":-0.049192992006910255}],"sentiment":"neutral","sentiment_score":-0.049192992006910255,"channel":1,"num_words":29,"start":3136.755,"end":3146.195},{"sentences":[{"text":"questions?","start":3145.905,"end":3146.405,"sentiment":"neutral","sentiment_score":-0.043389588594436646}],"sentiment":"neutral","sentiment_score":-0.043389588594436646,"channel":0,"num_words":1,"start":3145.905,"end":3146.405},{"sentences":[{"text":"growth one.","start":3146.195,"end":3147.095,"sentiment":"neutral","sentiment_score":0.000770216342061758}],"sentiment":"neutral","sentiment_score":0.000770216342061758,"channel":1,"num_words":2,"start":3146.195,"end":3147.095},{"sentences":[{"text":"Yep.","start":3147.025,"end":3147.525,"sentiment":"neutral","sentiment_score":0.016254600137472153},{"text":"Pull it pull it back","start":3147.585,"end":3148.53,"sentiment":"neutral","sentiment_score":0.01715583764016628}],"sentiment":"neutral","sentiment_score":0.017005631389717262,"channel":0,"num_words":6,"start":3147.025,"end":3148.53},{"sentences":[{"text":"Yeah.","start":3148.48,"end":3148.98,"sentiment":"neutral","sentiment_score":0.01747961901128292}],"sentiment":"neutral","sentiment_score":0.01747961901128292,"channel":1,"num_words":1,"start":3148.48,"end":3148.98},{"sentences":[{"text":"to growth a little bit.","start":3148.53,"end":3149.99,"sentiment":"neutral","sentiment_score":0.005089084943756461}],"sentiment":"neutral","sentiment_score":0.005089084943756461,"channel":0,"num_words":5,"start":3148.53,"end":3149.99},{"sentences":[{"text":"I think so.","start":3150.24,"end":3150.96,"sentiment":"neutral","sentiment_score":0.1613245407740275},{"text":"Yeah.","start":3150.96,"end":3151.36,"sentiment":"neutral","sentiment_score":0.1244792342185974},{"text":"Yeah.","start":3151.36,"end":3151.86,"sentiment":"neutral","sentiment_score":0.12762349843978882}],"sentiment":"neutral","sentiment_score":0.14721527099609374,"channel":1,"num_words":5,"start":3150.24,"end":3151.86},{"sentences":[{"text":"Yep.","start":3151.6501,"end":3151.97,"sentiment":"neutral","sentiment_score":0.138619065284729},{"text":"Yep.","start":3151.97,"end":3152.37,"sentiment":"neutral","sentiment_score":0.216619610786438},{"text":"Absolutely.","start":3152.37,"end":3152.87,"sentiment":"positive","sentiment_score":0.46411049365997314},{"text":"I mean, realistically, when you think about a 5% return, as your balance increases and grows, which it will definitely do, especially as you're a higher income earner, you will sort of notice those difference.","start":3153.25,"end":3164.365,"sentiment":"neutral","sentiment_score":0.24643351967845645},{"text":"If you, you know, think about someone with $50,000 in their super, a 5% return is much smaller than someone with 500,000 in their super.","start":3164.365,"end":3172.4448,"sentiment":"neutral","sentiment_score":0.09118947342038154}],"sentiment":"neutral","sentiment_score":0.18609935228550245,"channel":0,"num_words":63,"start":3151.6501,"end":3172.4448},{"sentences":[{"text":"So as your balance increases, you will notice smaller changes affect you a little bit more or affect your balance a little bit more.","start":3172.4448,"end":3179.3599,"sentiment":"neutral","sentiment_score":0.14048076793551445},{"text":"So it can definitely have a greater effect long term.","start":3179.74,"end":3182.46,"sentiment":"positive","sentiment_score":0.37160907983779906},{"text":"So I'm happy to reduce that risk back if you 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okay?","start":3193.155,"end":3194.375,"sentiment":"neutral","sentiment_score":0.2378341294825077}],"sentiment":"neutral","sentiment_score":0.2378341294825077,"channel":0,"num_words":4,"start":3193.155,"end":3194.375},{"sentences":[{"text":"Yeah.","start":3194.9248,"end":3195.165,"sentiment":"neutral","sentiment_score":0.28292882442474365},{"text":"Perfect.","start":3195.165,"end":3195.665,"sentiment":"positive","sentiment_score":0.5645430684089661},{"text":"Sounds good.","start":3195.805,"end":3196.545,"sentiment":"positive","sentiment_score":0.5416786074638367}],"sentiment":"positive","sentiment_score":0.48270727694034576,"channel":1,"num_words":4,"start":3194.9248,"end":3196.545},{"sentences":[{"text":"Yep.","start":3196.2751,"end":3196.7551,"sentiment":"positive","sentiment_score":0.3561203181743622},{"text":"Beautiful.","start":3196.7551,"end":3197.2551,"sentiment":"positive","sentiment_score":0.5375387072563171},{"text":"Look.","start":3197.635,"end":3197.955,"sentiment":"neutral","sentiment_score":0.24953749775886536},{"text":"I know I have touched on a lot, Patrick.","start":3197.955,"end":3199.7952,"sentiment":"neutral","sentiment_score":0.08946138785945044},{"text":"Is there any questions, anything you think I might have not touched on, anything you wanna more further clarity on at all?","start":3199.7952,"end":3205.635,"sentiment":"neutral","sentiment_score":0.029947346330366352}],"sentiment":"neutral","sentiment_score":0.0766820774468429,"channel":0,"num_words":34,"start":3196.2751,"end":3205.635},{"sentences":[{"text":"Or","start":3205.635,"end":3206.135,"sentiment":"neutral","sentiment_score":-0.01900276355445385}],"sentiment":"neutral","sentiment_score":-0.01900276355445385,"channel":0,"num_words":1,"start":3205.635,"end":3206.135},{"sentences":[{"text":"No.","start":3207.2798,"end":3207.44,"sentiment":"neutral","sentiment_score":-0.0863599181175232},{"text":"No.","start":3207.44,"end":3207.56,"sentiment":"neutral","sentiment_score":-0.11281397938728333},{"text":"I don't think so.","start":3207.56,"end":3208.24,"sentiment":"neutral","sentiment_score":-0.10725033655762672},{"text":"It's yeah.","start":3208.24,"end":3208.96,"sentiment":"neutral","sentiment_score":-0.0445431936532259},{"text":"That's","start":3208.96,"end":3209.2,"sentiment":"neutral","sentiment_score":-0.12944820523262024}],"sentiment":"neutral","sentiment_score":-0.09407887069715394,"channel":1,"num_words":9,"start":3207.2798,"end":3209.2},{"sentences":[{"text":"no.","start":3209.08,"end":3209.58,"sentiment":"neutral","sentiment_score":-0.15471887588500977}],"sentiment":"neutral","sentiment_score":-0.15471887588500977,"channel":0,"num_words":1,"start":3209.08,"end":3209.58},{"sentences":[{"text":"really good.","start":3209.2,"end":3209.76,"sentiment":"neutral","sentiment_score":-0.04854913428425789},{"text":"I thank you.","start":3209.76,"end":3210.16,"sentiment":"neutral","sentiment_score":0.1679404949148496},{"text":"And, yeah, appreciate","start":3210.16,"end":3211.52,"sentiment":"neutral","sentiment_score":0.2125973254442215}],"sentiment":"neutral","sentiment_score":0.1305643990635872,"channel":1,"num_words":8,"start":3209.2,"end":3211.52},{"sentences":[{"text":"Excellent.","start":3211.4,"end":3211.9,"sentiment":"positive","sentiment_score":0.406432032585144}],"sentiment":"positive","sentiment_score":0.406432032585144,"channel":0,"num_words":1,"start":3211.4,"end":3211.9},{"sentences":[{"text":"appreciate your time to run through.","start":3211.52,"end":3213.0598,"sentiment":"positive","sentiment_score":0.38598622878392536}],"sentiment":"positive","sentiment_score":0.38598622878392536,"channel":1,"num_words":6,"start":3211.52,"end":3213.0598},{"sentences":[{"text":"That's okay.","start":3213.0,"end":3213.9,"sentiment":"neutral","sentiment_score":0.18513648211956024},{"text":"Not a problem at all.","start":3213.96,"end":3215.5,"sentiment":"neutral","sentiment_score":0.12176258563995361},{"text":"So I'll just go back.","start":3215.8,"end":3216.76,"sentiment":"neutral","sentiment_score":0.07096030712127685},{"text":"We'll look at the super.","start":3216.76,"end":3217.8,"sentiment":"neutral","sentiment_score":0.07691265642642975},{"text":"We'll hold off on additional contributions now because buying property is sort of your main goal in the short term.","start":3217.8,"end":3223.395,"sentiment":"neutral","sentiment_score":0.07109030652791262}],"sentiment":"neutral","sentiment_score":0.08487180650636957,"channel":0,"num_words":37,"start":3213.0,"end":3223.395},{"sentences":[{"text":"I'll look at what to do with your super.","start":3223.615,"end":3225.395,"sentiment":"neutral","sentiment_score":0.08058078421486749},{"text":"The investments for them will definitely get rid of Van Alung and replace that for you.","start":3225.535,"end":3229.055,"sentiment":"neutral","sentiment_score":0.12316122860647738},{"text":"I'll look at reducing your risk back to the growth portfolio a little bit and see what that does over the next sort of five to ten years.","start":3229.055,"end":3235.4749,"sentiment":"neutral","sentiment_score":0.16760930445577418},{"text":"I'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there.","start":3235.98,"end":3243.02,"sentiment":"neutral","sentiment_score":0.16824951271216074},{"text":"Does that sound okay?","start":3243.02,"end":3244.16,"sentiment":"neutral","sentiment_score":0.16676806285977364}],"sentiment":"neutral","sentiment_score":0.14930775057938364,"channel":0,"num_words":81,"start":3223.615,"end":3244.16},{"sentences":[{"text":"Yeah.","start":3244.795,"end":3245.035,"sentiment":"neutral","sentiment_score":0.1740417182445526},{"text":"That 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know.","start":3251.375,"end":3254.975,"sentiment":"neutral","sentiment_score":0.10755465092027888}],"sentiment":"neutral","sentiment_score":0.19755401002133594,"channel":0,"num_words":34,"start":3246.46,"end":3254.975},{"sentences":[{"text":"I'll happily put you in 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back.","start":3267.6501,"end":3269.09,"sentiment":"neutral","sentiment_score":0.16820724960416555}],"sentiment":"positive","sentiment_score":0.42004737656476887,"channel":0,"num_words":43,"start":3259.215,"end":3269.09},{"sentences":[{"text":"Sorry about that.","start":3269.09,"end":3270.1501,"sentiment":"neutral","sentiment_score":-0.04111949975291888}],"sentiment":"neutral","sentiment_score":-0.04111949975291888,"channel":0,"num_words":3,"start":3269.09,"end":3270.1501},{"sentences":[{"text":"Yeah.","start":3270.91,"end":3271.23,"sentiment":"neutral","sentiment_score":0.06226549670100212},{"text":"You're","start":3271.23,"end":3271.73,"sentiment":"neutral","sentiment_score":0.054227884858846664}],"sentiment":"neutral","sentiment_score":0.05824669077992439,"channel":1,"num_words":2,"start":3270.91,"end":3271.73},{"sentences":[{"text":"But, yeah, thank you so much, Yitam.","start":3272.37,"end":3274.145,"sentiment":"positive","sentiment_score":0.5921869661126818},{"text":"I really appreciate it.","start":3274.145,"end":3275.105,"sentiment":"positive","sentiment_score":0.8359633982181549},{"text":"It's been a pleasure.","start":3275.105,"end":3275.985,"sentiment":"positive","sentiment_score":0.8677253276109695},{"text":"If anything else comes up, please let me know, and I'll send that email out to you shortly with the estate planning information.","start":3275.985,"end":3282.325,"sentiment":"positive","sentiment_score":0.34139338524445245},{"text":"Just come back if there's any questions or anything you think that I might have not touched on that you wanted me to sort of look at for you.","start":3282.465,"end":3289.34,"sentiment":"neutral","sentiment_score":0.17431078234623218}],"sentiment":"positive","sentiment_score":0.35622573454878226,"channel":0,"num_words":67,"start":3272.37,"end":3289.34},{"sentences":[{"text":"Okay.","start":3289.34,"end":3289.84,"sentiment":"neutral","sentiment_score":0.1697537899017334}],"sentiment":"neutral","sentiment_score":0.1697537899017334,"channel":0,"num_words":1,"start":3289.34,"end":3289.84},{"sentences":[{"text":"Yeah.","start":3289.9302,"end":3290.1702,"sentiment":"neutral","sentiment_score":0.2658677399158478},{"text":"Cool.","start":3290.1702,"end":3290.57,"sentiment":"positive","sentiment_score":0.5372990965843201},{"text":"Sounds really good.","start":3290.57,"end":3291.55,"sentiment":"positive","sentiment_score":0.7268687685330709}],"sentiment":"positive","sentiment_score":0.5967546284198761,"channel":1,"num_words":5,"start":3289.9302,"end":3291.55},{"sentences":[{"text":"Easy.","start":3291.82,"end":3292.3,"sentiment":"positive","sentiment_score":0.6044867038726807},{"text":"Thank you so much for your time.","start":3292.3,"end":3293.5,"sentiment":"positive","sentiment_score":0.7159793717520577},{"text":"I hope you have a good rest of your afternoon.","start":3293.5,"end":3295.6,"sentiment":"positive","sentiment_score":0.5858378231525421},{"text":"Did do you have any more meetings this afternoon, or is that you done to just catch up?","start":3295.6602,"end":3300.6401,"sentiment":"neutral","sentiment_score":0.032326498379309974}],"sentiment":"positive","sentiment_score":0.33490548634694683,"channel":0,"num_words":36,"start":3291.82,"end":3300.6401},{"sentences":[{"text":"No.","start":3301.105,"end":3301.345,"sentiment":"neutral","sentiment_score":-0.1007220596075058},{"text":"The school pickup and then, yeah, a few things tidy up the suburb, but, no, pretty much","start":3301.345,"end":3305.105,"sentiment":"neutral","sentiment_score":-0.07004999424166539}],"sentiment":"neutral","sentiment_score":-0.07175399787310097,"channel":1,"num_words":18,"start":3301.105,"end":3305.105},{"sentences":[{"text":"No.","start":3304.975,"end":3305.475,"sentiment":"neutral","sentiment_score":-0.08567823469638824}],"sentiment":"neutral","sentiment_score":-0.08567823469638824,"channel":0,"num_words":1,"start":3304.975,"end":3305.475},{"sentences":[{"text":"there, which is good.","start":3305.105,"end":3306.165,"sentiment":"neutral","sentiment_score":0.1789574772119522}],"sentiment":"neutral","sentiment_score":0.1789574772119522,"channel":1,"num_words":4,"start":3305.105,"end":3306.165},{"sentences":[{"text":"Beautiful.","start":3306.655,"end":3307.0552,"sentiment":"positive","sentiment_score":0.6634633541107178},{"text":"Well, you enjoy your afternoon.","start":3307.0552,"end":3308.495,"sentiment":"positive","sentiment_score":0.6385511636734009},{"text":"Enjoy your time with Reuben.","start":3308.495,"end":3309.855,"sentiment":"positive","sentiment_score":0.7117847919464111},{"text":"I hope he's had a great day at school.","start":3309.855,"end":3311.7952,"sentiment":"positive","sentiment_score":0.7047661807801988}],"sentiment":"positive","sentiment_score":0.6879019379615784,"channel":0,"num_words":20,"start":3306.655,"end":3311.7952},{"sentences":[{"text":"Yeah.","start":3311.585,"end":3311.985,"sentiment":"neutral","sentiment_score":0.25096210837364197},{"text":"Alright.","start":3311.985,"end":3312.465,"sentiment":"neutral","sentiment_score":0.19584867358207703},{"text":"Yeah.","start":3312.465,"end":3312.865,"sentiment":"neutral","sentiment_score":0.19974860548973083},{"text":"Thanks.","start":3312.865,"end":3313.365,"sentiment":"positive","sentiment_score":0.4563778042793274},{"text":"All good.","start":3313.665,"end":3314.325,"sentiment":"positive","sentiment_score":0.4835444688796997}],"sentiment":"positive","sentiment_score":0.3450043549140294,"channel":1,"num_words":6,"start":3311.585,"end":3314.325},{"sentences":[{"text":"Thanks, Patrick.","start":3314.175,"end":3315.1348,"sentiment":"positive","sentiment_score":0.6133540272712708}],"sentiment":"positive","sentiment_score":0.6133540272712708,"channel":0,"num_words":2,"start":3314.175,"end":3315.1348},{"sentences":[{"text":"Awesome.","start":3314.945,"end":3315.345,"sentiment":"positive","sentiment_score":0.6872827410697937}],"sentiment":"positive","sentiment_score":0.6872827410697937,"channel":1,"num_words":1,"start":3314.945,"end":3315.345},{"sentences":[{"text":"Appreciate","start":3315.1348,"end":3315.6147,"sentiment":"positive","sentiment_score":0.6080158352851868}],"sentiment":"positive","sentiment_score":0.6080158352851868,"channel":0,"num_words":1,"start":3315.1348,"end":3315.6147},{"sentences":[{"text":"Ready.","start":3315.345,"end":3315.845,"sentiment":"positive","sentiment_score":0.6142840385437012}],"sentiment":"positive","sentiment_score":0.6142840385437012,"channel":1,"num_words":1,"start":3315.345,"end":3315.845},{"sentences":[{"text":"it.","start":3315.6147,"end":3315.775,"sentiment":"positive","sentiment_score":0.4669444262981415},{"text":"You 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too.","start":3317.195,"end":3317.595,"sentiment":"neutral","sentiment_score":0.3088737428188324},{"text":"Bye.","start":3317.595,"end":3318.095,"sentiment":"neutral","sentiment_score":0.25153467059135437}],"sentiment":"neutral","sentiment_score":0.2897607187430064,"channel":1,"num_words":3,"start":3317.195,"end":3318.095},{"sentences":[{"text":"See you later.","start":3318.015,"end":3318.6548,"sentiment":"neutral","sentiment_score":0.254875510931015},{"text":"Bye.","start":3318.6548,"end":3319.1548,"sentiment":"neutral","sentiment_score":-0.085584856569767}],"sentiment":"neutral","sentiment_score":0.1697604190558195,"channel":0,"num_words":4,"start":3318.015,"end":3319.1548}]},"summary":{"result":"success","short":"During a call with a representative from Yeah. Financial, the speaker confirms personal information and explains the benefits of coverage, including permanent disability coverage. They emphasize the importance of maintaining a strong risk profile and maintaining a strong investment portfolio. The speakers also discuss potential return on investment for high growth assets and the benefits of owning a property and reducing risk levels for a year. They suggest reducing risk levels and considering a growth option, but ultimately decide to stick with the growth option. The potential changes to the portfolio and estate planning information will be discussed later."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll Speaking. Hi, Patrick.","start_word":1,"end_word":13,"intents":[{"intent":"Resolve calls","confidence_score":0.00057681213}]},{"text":"Now your contributions, your employer had some back pay that they were trying to that you they needed to owe you with contributions wise too. It looks like you had some extra contributions going last financial year. Yeah.","start_word":696,"end_word":733,"intents":[{"intent":"Check contributions","confidence_score":0.00340554},{"intent":"Confirm contributions","confidence_score":0.007424466}]},{"text":"So I actually had an employer that didn't pay any super for about eighteen months or something like that. So Oh I did god.","start_word":734,"end_word":757,"intents":[{"intent":"Confirm employer","confidence_score":0.009595582}]},{"text":"You did exceed the cap, but you do have caps based on prior years, and you are eligible to use those. So that should K.","start_word":934,"end_word":958,"intents":[{"intent":"Reflect on caps","confidence_score":0.00006951839}]},{"text":"The other thing I sorta had noted here was your your insurances. So having a look at that same document there, you can see your ClearView Life and CBD cover. Your ClearView Life cover shows that you have a sum insured of 2,053,155 there.","start_word":979,"end_word":1022,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.08158852}]},{"text":"I've also got your income protection covered there as well. So you can sort of see your income protection benefit currently has some insured monthly pretax benefit of $13,018.18 dollars there.","start_word":1461,"end_word":1491,"intents":[{"intent":"Discuss income protection benefits","confidence_score":0.0068251006}]},{"text":"as little as little of the claim as possible, essentially.","start_word":1827,"end_word":1836,"intents":[{"intent":"Resolve claims","confidence_score":0.0037157084}]},{"text":"So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through.","start_word":2175,"end_word":2206,"intents":[{"intent":"Make claim decisions","confidence_score":0.00030925267}]},{"text":"Do you remember kinda going through that recommendation with Tarek and sort of what the conversation was around that and if you'd sort of taken that policy at any Not too sure, to be honest.","start_word":2551,"end_word":2585,"intents":[{"intent":"Review and review policies","confidence_score":0.00006623435}]},{"text":"If you would just go to the next document for me, the next one along is your performance report here. So this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed. Majority of them have performed really well for the year, and you have received your really good return at 7.31%.","start_word":2705,"end_word":2776,"intents":[{"intent":"Review investment performance","confidence_score":0.014312058}]},{"text":"So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations.","start_word":2806,"end_word":2834,"intents":[{"intent":"Review super and recommendations","confidence_score":0.33599162},{"intent":"Review super and recommendations","confidence_score":0.2235917}]},{"text":"I definitely wanna look at pulling that investment out of there.","start_word":2835,"end_word":2845,"intents":[{"intent":"Pull investment out","confidence_score":0.029112384}]},{"text":"we can look at switching it out. And because it is down at the moment, I can look at the rest of your portfolio and see where there might be some other changes that we need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try and Yeah. offset Okay.","start_word":3169,"end_word":3239,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.013076278}]},{"text":"Let's update the portfolio as a whole while we can make it Yeah. easier.","start_word":3319,"end_word":3332,"intents":[{"intent":"Update portfolio","confidence_score":0.87238926},{"intent":"Provide update on portfolio","confidence_score":0.0058315266}]},{"text":"We have seen I think it's property at the bottom. There's the only other one that isn't performing as well, and I'll review that one for you just to sorta make sure if we need to move that, we will. Hello?","start_word":3353,"end_word":3393,"intents":[{"intent":"Review portfolio","confidence_score":0.5182164},{"intent":"Review portfolio","confidence_score":0.89656997},{"intent":"Review portfolio","confidence_score":0.26360664},{"intent":"Review portfolio","confidence_score":0.585566},{"intent":"Review portfolio","confidence_score":0.59620756},{"intent":"Review portfolio","confidence_score":0.6442881},{"intent":"Review portfolio","confidence_score":0.42090595}]},{"text":"The next page of that same document just outlines the internal rate of return and shows that you have received a 7.31% for the year net of fees, and the total earnings of that is just over $14,000 a year. So we wanna compound and keep that working harder for you so that your balance increases over time. Okay? Yep.","start_word":3481,"end_word":3540,"intents":[{"intent":"Compound","confidence_score":0.00014014349},{"intent":"Compound portfolio","confidence_score":0.5310987}]},{"text":"Realistically, investments that might have been great a couple of years ago do need to be updated every couple of years depending on how markets change over Sure. time.","start_word":3653,"end_word":3681,"intents":[{"intent":"Understand current investment options","confidence_score":6.5562074e-7}]},{"text":"good to review it with you. Absolutely. Yeah.","start_word":3687,"end_word":3694,"intents":[{"intent":"Review portfolio","confidence_score":0.39023462}]},{"text":"So I will just do a bit of a risk profile questionnaire with you at the end of the call just to evaluate whether that portfolio is still suited to you. But when you sort of think about the markets and the ups and downs and the risk level, are you still fairly comfortable taking on that kind of higher risk environment to get greater potential returns?","start_word":3896,"end_word":3962,"intents":[{"intent":"Evaluate risk profile","confidence_score":0.36717075}]},{"text":"I'll go through the risk profile then. We'll kinda talk a bit more deeper about it, and then you can you let me know if you, you know, wanna make any changes to that at all?","start_word":4014,"end_word":4049,"intents":[{"intent":"Make changes","confidence_score":0.56429404}]},{"text":"This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one. It's more just a bit of a guide to give you an update there. Okay?","start_word":4066,"end_word":4102,"intents":[{"intent":"Update insurance policy and cover levels","confidence_score":0.0016164166},{"intent":"Provide information on services and policies","confidence_score":0.000043393382}]},{"text":"This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one. It's more just a bit of a guide to give you an update there. Okay? K. Cool.","start_word":4066,"end_word":4104,"intents":[{"intent":"Provide information on insurance","confidence_score":0.010216087}]},{"text":"And it sort of incorporates the insurance side of things as well for you.","start_word":4296,"end_word":4309,"intents":[{"intent":"Incorporate insurance information","confidence_score":0.007843832}]},{"text":"With our ongoing service fee, it has always been at 1.65% capped at 600,000. But as of sort of this next year, we're gonna be changing that slightly. It won't be capped at $6,600,000 anymore.","start_word":4310,"end_word":4344,"intents":[{"intent":"Reveal capped rate","confidence_score":0.000018180179},{"intent":"Clarify balance and level of service fees","confidence_score":3.2050622e-7}]},{"text":"We'll look at the next sort of five to ten years.","start_word":4782,"end_word":4792,"intents":[{"intent":"Arrange future communication","confidence_score":0.00015478746}]},{"text":"So we'll look at the projected outcome over the next five to ten years there for you to sort of see where you're tracking and then keep an eye on things for you and reevaluate that advice as we need to moving forward to keep you on track. How does that sound?","start_word":4828,"end_word":4879,"intents":[{"intent":"Monitor outlook","confidence_score":0.00037887506}]},{"text":"I'd be keen to explore if, you know, some tax efficiencies there. Obviously, that that income, you know, getting taxed through the nose. So Yep.","start_word":5295,"end_word":5319,"intents":[{"intent":"Review tax efficiencies","confidence_score":0.0044762627}]},{"text":"I'm happy to sort of factor in a recommendation to maximize contributions if you'd like to.","start_word":5559,"end_word":5574,"intents":[{"intent":"Maximize contributions and maximize deductions","confidence_score":0.00031827236}]},{"text":"If I can, after the call, send you an email just directing you how to get your carry forward and catch up contributions, if you're able to obtain that sort of thing for me, I Yeah.","start_word":5672,"end_word":5707,"intents":[{"intent":"Provide guidance","confidence_score":0.00014805351}]},{"text":"correct. Beautiful.","start_word":5794,"end_word":5795,"intents":[{"intent":"Confirm understanding","confidence_score":0.14588371}]},{"text":"Have have you done your tax return for last financial year as of yet?","start_word":5844,"end_word":5857,"intents":[{"intent":"Confirm completion of tax return","confidence_score":0.003943566}]},{"text":"other side of this is if we do make, you know, additional contributions in the super, when you are liable for that div two nine three tax, the contributions that go into super are technically taxed at 15%.","start_word":6093,"end_word":6130,"intents":[{"intent":"Compare contributions","confidence_score":0.00041745647}]},{"text":"Just avoiding I mean that tax. yeah. I mean, realistically, the the the d $59.03, like, it is an extra 15% tax on top of your super contributions in super there. But, theoretically, if you're on a 47% tax bracket, you're still technically saving on on the tax side of things. It's 30% in super instead of 47% in your own name. So Alright.","start_word":6398,"end_word":6461,"intents":[{"intent":"Evaluate tax benefit","confidence_score":0.0045320806}]},{"text":"Assets wise, I have your main primary residence down with an asset value of 1,200,000. What sort of value would you put on that now, do you think? Oh, look.","start_word":7011,"end_word":7040,"intents":[{"intent":"Review asset value","confidence_score":0.00030175806}]},{"text":"So just to kind of talk a bit more about your beneficiary side of things as well.","start_word":7324,"end_word":7340,"intents":[{"intent":"Discuss beneficiary side of benefit","confidence_score":0.11041487}]},{"text":"So just to kind of talk a bit more about your beneficiary side of things as well. So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur. Is that right? Yeah.","start_word":7324,"end_word":7371,"intents":[{"intent":"Discuss death & retirement planning","confidence_score":0.000006369097}]},{"text":"I'm just having a quick look at your life insurance as well.","start_word":7375,"end_word":7386,"intents":[{"intent":"Discuss life insurance","confidence_score":0.5336289}]},{"text":"because he is under 18, he is still a minor and a dependent of yours.","start_word":7397,"end_word":7411,"intents":[{"intent":"Confirm age","confidence_score":0.0027505008}]},{"text":"Look.","start_word":7485,"end_word":7485,"intents":[{"intent":"Discuss guardian role","confidence_score":0.3345856}]},{"text":"And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, and Yeah.","start_word":7587,"end_word":7610,"intents":[{"intent":"Discuss family circumstances","confidence_score":0.00059883896}]},{"text":"So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself. Does that sound okay?","start_word":8040,"end_word":8088,"intents":[{"intent":"Gather data","confidence_score":0.9257817}]},{"text":"So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself. Does that sound okay? Yeah.","start_word":8040,"end_word":8089,"intents":[{"intent":"Determine plan","confidence_score":0.0039998237}]},{"text":"I'll add some information on guardianship for you as well just so you have that to sort of mull over and consider to make it easier on you. Yeah.","start_word":8103,"end_word":8131,"intents":[{"intent":"Add guardianship information","confidence_score":0.25436386}]},{"text":"Not a problem at all. Our goals was down the track. So at the moment with the advice, I'm just sort of focusing around possible contributions, looking at your super, and also just having a look at, sorry, the investments within there for you. Do you have any other goals that you're sort of looking to try and achieve down the track? Oh, yeah.","start_word":8137,"end_word":8200,"intents":[{"intent":"Identify goals","confidence_score":0.10021516}]},{"text":"Definitely just looking at, you know, property, trying to get a second Yep. property and yeah.","start_word":8201,"end_word":8216,"intents":[{"intent":"Invest in a second property","confidence_score":0.0000028097045}]},{"text":"Just trying to build that wealth, I suppose, in an overall sense. Yep.","start_word":8218,"end_word":8230,"intents":[{"intent":"Build wealth","confidence_score":0.060344826}]},{"text":"Is getting an investment property something you're looking to do in the next sort of one to two years?","start_word":8234,"end_word":8252,"intents":[{"intent":"Look at investment property","confidence_score":0.05009945}]},{"text":"Is getting an investment property something you're looking to do in the next sort of one to two years? Yeah.","start_word":8234,"end_word":8253,"intents":[{"intent":"Consider investment property","confidence_score":0.4538114},{"intent":"Consider investment property","confidence_score":0.11939205},{"intent":"Consider investment property","confidence_score":0.54835933},{"intent":"Consider investment property","confidence_score":0.26732492}]},{"text":"So with the changes to legislation, have you sort of seen the changes that they've made to, like, the negative gearing and the capital gains and things like that with regard to investment properties? I have.","start_word":8427,"end_word":8462,"intents":[{"intent":"Receive recommendations on changes to legislation","confidence_score":5.330798e-7}]},{"text":"Did you still want me to look at contributions in the super, or did you wanna just contact hold on there hold off on that for the moment and maybe keep the funds details.","start_word":8768,"end_word":8801,"intents":[{"intent":"Help with contributions","confidence_score":0.0003376122}]},{"text":"Putting more money into super locks it away. You can't take it back out again. If something was to happen, you were to reduce hours or you decided to move fully into your business, do you need that money maybe sitting aside on your home loan where you can pull it back off to use for an investment property, things like that? So Yeah. Yeah.","start_word":9199,"end_word":9263,"intents":[{"intent":"Decrease borrowing capacity","confidence_score":0.008900788}]},{"text":"It is maybe putting a bit more onto your mortgage and reducing your mortgage down a little bit, having more sitting in your offset, which you could draw back later as the deposit to help reduce how much you have to borrow.","start_word":9329,"end_word":9370,"intents":[{"intent":"Reduce mortgage payments","confidence_score":0.10440417}]},{"text":"In the shorter term, our mortgages are very expensive. We're all paying very high interest. So putting that money into your offset account essentially is giving you a guaranteed rate of return. If you're paying 6% on interest, putting that extra $100 a week or $200 a week into your offset account is reducing how much you have to pay on interest. So it's giving you much more of a guaranteed rate of return.","start_word":9394,"end_word":9467,"intents":[{"intent":"Decrease interest rates","confidence_score":0.0054399394}]},{"text":"And then, you know, you can pull that back off if you need to use it for a deposit to reduce how much you need to borrow for the investment property or if you need to maybe keep some funds aside and build that the money to, you know, utilize to do the the property renovations and things like that so you don't have to borrow as much down the track.","start_word":9468,"end_word":9538,"intents":[{"intent":"Utilize super funds for property renovations","confidence_score":0.00069840916}]},{"text":"The banks pay them when they write loans and things Yeah.","start_word":9806,"end_word":9816,"intents":[{"intent":"Inquire about bank plans","confidence_score":0.000021632144}]},{"text":"The last thing to do is just to run through a bit of a risk profile questionnaire. So I've got most of them answered already, which is great.","start_word":10016,"end_word":10043,"intents":[{"intent":"Assess risk profile","confidence_score":0.0069466545}]},{"text":"With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips? How do you think you might be feeling? Oh, I'd be cautious for sure. Yeah.","start_word":10338,"end_word":10371,"intents":[{"intent":"Balance investment and risk","confidence_score":0.00021429537}]},{"text":"So I'm happy to reduce that risk back if you like.","start_word":10817,"end_word":10827,"intents":[{"intent":"Reduce risk","confidence_score":0.19393808}]},{"text":"I'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there. Does that sound okay?","start_word":11019,"end_word":11046,"intents":[{"intent":"Plan","confidence_score":0.00033093648}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll Speaking. Hi, Patrick. Hello? It's Dana from Yeah. Okie Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.07503322511911392},{"text":"Good. Thanks, sir.","start_word":27,"end_word":29,"sentiment":"positive","sentiment_score":0.5178239345550537},{"text":"Yeah. Yeah.","start_word":30,"end_word":31,"sentiment":"neutral","sentiment_score":0.2786763608455658},{"text":"Very well. Thank you. Thanks for asking.","start_word":32,"end_word":38,"sentiment":"positive","sentiment_score":0.5870949625968933},{"text":"I had you booked in today to go through your annual review. Is now still a good time there for you? Yeah. I think so.","start_word":39,"end_word":63,"sentiment":"neutral","sentiment_score":0.2723865509033203},{"text":"It should be good.","start_word":64,"end_word":67,"sentiment":"positive","sentiment_score":0.4840009808540344},{"text":"Yeah.","start_word":68,"end_word":68,"sentiment":"neutral","sentiment_score":0.3121477961540222},{"text":"All good. All good.","start_word":69,"end_word":72,"sentiment":"positive","sentiment_score":0.4383036494255066},{"text":"I'll try not to take up too much of your time, but just touching on the things that we do need to for you. Before we jump into the call there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":73,"end_word":130,"sentiment":"neutral","sentiment_score":0.18401306867599487},{"text":"Fantastic.","start_word":131,"end_word":131,"sentiment":"positive","sentiment_score":0.6276676654815674},{"text":"And just to do quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Full name is Patrick Anthony Gill. Date of birth Yep. is 10/02/1990, and address Yep. is Number 6 Teriki Street, Charlestown.","start_word":132,"end_word":185,"sentiment":"neutral","sentiment_score":0.15785890817642212},{"text":"Beautiful. Thank you so much for that.","start_word":186,"end_word":192,"sentiment":"positive","sentiment_score":0.5741580724716187},{"text":"I do normally send through some annual review documents to you just to kinda go through as we are going through your annual review. Are you able to access your email, sir, at the moment? Okay. Yeah. Yeah. Yep. Yes.","start_word":193,"end_word":232,"sentiment":"neutral","sentiment_score":0.1754595786333084},{"text":"Fantastic. I'm just gonna press send on this one for you so it pops through fairly Cool.","start_word":233,"end_word":249,"sentiment":"positive","sentiment_score":0.3815121650695801},{"text":"quickly. And how's your day been so far? Yeah. Pretty good. Just fine meetings for the next today. So, yeah, just rolling into another one. That's Oh, all good. How about you? wow. When's when's your next one? I think I actually just had one canceled, so I've got a little bit of a break this hour, which is Oh, good. that would be nice. Yeah. That'll Yeah. be nice. Yeah. Yeah. How's your day? Yeah. Busy back to back today, but that's okay.","start_word":250,"end_word":333,"sentiment":"neutral","sentiment_score":0.10960466414690018},{"text":"I like it that way.","start_word":334,"end_word":338,"sentiment":"positive","sentiment_score":0.4592258632183075},{"text":"Let's get things done, head towards the weekend, Yeah. and Yeah.","start_word":339,"end_word":349,"sentiment":"neutral","sentiment_score":0.24662141501903537},{"text":"nice and productive.","start_word":350,"end_word":352,"sentiment":"positive","sentiment_score":0.5437042713165283},{"text":"That's it.","start_word":353,"end_word":354,"sentiment":"neutral","sentiment_score":0.2129421979188919},{"text":"Nice. Nice. It's good. Yeah. Good.","start_word":355,"end_word":360,"sentiment":"positive","sentiment_score":0.6620413661003113},{"text":"I've I've got that document here now.","start_word":361,"end_word":367,"sentiment":"neutral","sentiment_score":0.29802316427230835},{"text":"So Oh, fantastic.","start_word":368,"end_word":370,"sentiment":"positive","sentiment_score":0.598335862159729},{"text":"So when you open the email up, it does ask to have a little section where it says sign. If you can press that button, so it allows you to continue through, it yep. will not ask you to sign anything you haven't read. So it's just that you can view each of the documents there. Yep.","start_word":371,"end_word":427,"sentiment":"neutral","sentiment_score":0.09709665924310684},{"text":"Beautiful.","start_word":428,"end_word":428,"sentiment":"positive","sentiment_score":0.40560752153396606},{"text":"Yeah. Now That's the first okay. yeah. So the first one you'll see there is, obviously, your summary of superannuation and insurances. So it gives you an updated balance as of the August 18, so when we did these documents up, of a $196,729.37 there. I'm Yep. just having a quick look into hub twenty four to see your updated balance from last week just to kinda give you an updated change. So balance as of today's date was sitting at a $196,340 there now. Okay? Yep. With the balance last year so when I sort of look at how your portfolio has performed, your balance as of this time last year, you were sitting at a $146,006.69 and 40<unk>. So your balance has definitely increased, essentially, when I sort of look at the returns to the growth and the income within the fund for the last twelve months there, the net return after fees does show you up 7.31%. So it's not a bad return for what has happened in the markets there. You are in that high growth kind of environment. So, realistically, you're sort of looking to try and get a return. It's about eight to 10% on a yearly basis. So it is a little bit under where we'd sorta like it to be. But with what's been happening this year globally, the market's going up and down a little bit. Bit of volatility out there.","start_word":429,"end_word":670,"sentiment":"neutral","sentiment_score":0.11478835344314577},{"text":"Coming up with a 7% return net of fees is actually quite good.","start_word":670,"end_word":683,"sentiment":"positive","sentiment_score":0.4292367398738861},{"text":"Okay. Yeah. Okay. Yep. Yeah.","start_word":683,"end_word":688,"sentiment":"neutral","sentiment_score":0.11212172359228134},{"text":"Excellent.","start_word":688,"end_word":689,"sentiment":"positive","sentiment_score":0.47943663597106934},{"text":"I also wanted to just double check. Now your contributions, your employer had some back pay that they were trying to that you they needed to owe you with contributions wise too. It looks like you had some extra contributions going last financial year. Yeah. Yeah. So I actually had an employer that didn't pay any super for about eighteen months or something like that. So Oh I did god. end up going through Fairtrade and yeah. Yeah. It'll I'm sorry. Yeah. Just through that process. But, yeah, they're all up to speed now. So it should just be my current employer doing their their standard sort of statutory contributions and Oh, okay. yeah.","start_word":689,"end_word":801,"sentiment":"neutral","sentiment_score":0.05447166113067517},{"text":"Which is good. Yeah. Beautiful. Yeah. I'm glad they all got up to date for you.","start_word":802,"end_word":817,"sentiment":"positive","sentiment_score":0.4844578206539154},{"text":"Yeah. Yeah. So, Yeah. realistically, Yeah. when you sort of look at your contribution for the last financial year, you had about 45,418 going in there. So it did exceed the cap by a little over $15,400. But when I went back just to have a look, the year prior, so the 2025 financial year, you had about 16,000 in cap based there. And because your balance is under that 500,000 as of the June 30 the year prior, you are eligible to use that carry forward contribution.","start_word":818,"end_word":905,"sentiment":"neutral","sentiment_score":0.05320876464247704},{"text":"So Cool. if you Awesome.","start_word":906,"end_word":910,"sentiment":"positive","sentiment_score":0.3839622139930725},{"text":"if you do sort of look at your super and realize you had a lot of contributions going in last year, that's okay. You did exceed the cap, but you do have caps based on prior years, and you are eligible to use those. So that should K. all be fine. There shouldn't be any negative consequences for you on that one there. Okay?","start_word":911,"end_word":974,"sentiment":"neutral","sentiment_score":0.2043878138065338},{"text":"Awesome. Sounds good. Excellent.","start_word":975,"end_word":978,"sentiment":"positive","sentiment_score":0.6068384051322937},{"text":"The other thing I sorta had noted here was your your insurances. So having a look at that same document there, you can see your ClearView Life and CBD cover. Your ClearView Life cover shows that you have a sum insured of 2,053,155 there. If you think about the level of cover that you're after that you need, realistically, if you were to hypothetically pass away today, the level of cover there, the 2,000,053 is fully paid out, but then your super balance is paid out on top of that. When you sort of think of your circumstances, do you feel like that's an appropriate level of cover? Did you wanna look at altering that in any way, shape, or form? Oh, I think that's fine for now.","start_word":979,"end_word":1106,"sentiment":"neutral","sentiment_score":0.0268799920741003},{"text":"Yeah. That's good. Happy Thanks. to leave it as is. Absolutely.","start_word":1107,"end_word":1117,"sentiment":"positive","sentiment_score":0.5150283575057983},{"text":"Yeah. And you've also got your total permanent disability cover there as well, which does cover you for a little bit less. The city at 1000900And3300And13. One of the things I do kinda like to make sure people are aware, if you do claim on TBD, so you're permanently unable to ever go back to work again, if you do claim on that cover, you're under the age of 60 and you withdraw the funds out, there are taxation consequences for it.","start_word":1118,"end_word":1199,"sentiment":"neutral","sentiment_score":0.0033762536477297544},{"text":"I think it's personally not a great thing.","start_word":1200,"end_word":1207,"sentiment":"negative","sentiment_score":-0.3900894522666931},{"text":"But tax on TBD claims when they are paid out is up to 22%. So Yeah. you theoretically Okay. if you claim on that, withdraw the whole thing at at your current age, it would have to tax consequences there. We say it's up to 22% because there is a bit of a math equation there, which means the tax consequences could be less. It goes on a few different factors. But if you happen to claim on that, we would provide advice to help assist you, keep the funds working as long as possible, allow you to draw down what you needed to and how to, you know, minimize those tax consequences as much as possible. So I just Yes. like to make sure that you're aware of that, that, you know, no we're not hiding anything with regard to how that works, but making sure that, you know, you you're aware that we would certainly help you to provide advice in that area if you were to claim. Okay? Yeah. Of course. That makes sense. Yep.","start_word":1208,"end_word":1385,"sentiment":"neutral","sentiment_score":0.01805717870593071},{"text":"Excellent. Perfect.","start_word":1386,"end_word":1387,"sentiment":"positive","sentiment_score":0.3758184313774109},{"text":"Also, the other side of that is if you did claim on TBD, we can also claim incapacity against your super. So there is a chance you could also get your super released under that for you. Okay? Okay. Cool. Yep.","start_word":1388,"end_word":1428,"sentiment":"neutral","sentiment_score":0.05129840597510338},{"text":"Excellent. All good.","start_word":1429,"end_word":1431,"sentiment":"positive","sentiment_score":0.3719540536403656},{"text":"So with the level of TBD, are you still fairly comfortable with that level of cover? Yeah.","start_word":1432,"end_word":1448,"sentiment":"neutral","sentiment_score":0.0919138894361608},{"text":"I think that's fine. Yeah. Yeah. All good. No worries at all. I've also got your income protection covered there as well.","start_word":1449,"end_word":1470,"sentiment":"positive","sentiment_score":0.42175042629241943},{"text":"So you can sort of see your income protection benefit currently has some insured monthly pretax benefit of $13,018.18 dollars there. Income wise, so you can be covered up to 70% of your, technically, gross income. What is your expected income for this year, do you think? We had about 210,000 last Yeah. I think it's I've gone up to $300,000 package year. in my full Okay. time role. Yep. And then I've I don't know how this plays into it, but I've got a company set up now for, like, my own Mhmm. consulting services, which is Yep. it's about $10.10 grand a month, roughly. Okay. Yep. I'm not sure whether I'll pay any of that out to me personally out of the company or if all just keeps in me yet. So I'm not sure Keep whether it in that, there. Yeah. Yeah. Just disable the tax, but, yeah, not sure. So No. That's okay. So, realistically, when you think about income protection and how it works, you can be covered for up to 70% of your total gross income. But if you are able to earn income sort of so as an example, like, if you broke your leg and you couldn't go to your full time occupation, but you could still, you know, do some work from home and or earn some income from your self employed or from your company, they would look at how you could do that. And, theoretically, you could they would they could adjust the amount that you're able to claim and reduce the amount that you're able to receive in the income protection claim by what you can receive from your self employed business. So, Right. Okay. realistically, Yep. Yep. insurers will look at what you're able to what you're insured for, what you made prior to disability, and then they're also gonna look at are you able to earn any of this income whilst you're currently off work so that they can try to reduce the claim. As you can imagine, Okay. insurance companies Yep. are trying to pay as lesser Yeah. as Of course. as little as little of the claim as possible, essentially. Yep. We're sort of looking at that. Now based on just your full time income of that 300,000, that would essentially see us requiring a monthly benefit about 17,500. But if you look at your circumstances and your current scenario, it would that 13,018 on a monthly benefit pretax, would that cover majority of your expenses? Would you need to maybe look at increasing the income protection benefit to cover you? How do you sort of feel about that? I'll look for Simplicity. I might just keep it consistent. Yep.","start_word":1471,"end_word":1926,"sentiment":"neutral","sentiment_score":0.028547124152905064},{"text":"Yeah. It should be fine. That's okay.","start_word":1927,"end_word":1933,"sentiment":"positive","sentiment_score":0.4780778288841248},{"text":"If anything comes to mind, you decide you wanted to sort of look at that in more detail, let me know.","start_word":1934,"end_word":1954,"sentiment":"neutral","sentiment_score":0.2191290706396103},{"text":"I'm more than happy to do so. We do review these every year with you.","start_word":1955,"end_word":1969,"sentiment":"positive","sentiment_score":0.49349698424339294},{"text":"But, yes, it's about making sure that you're got the right level of cover that suits you, but that you're not also overpaying for insurances because that those funds do come out of your super. And insurances do get more expensive as you get older as well, and that can have a greater effect on your Yeah. retirement income. Okay. Okay. Makes sense. Yep. Yeah.","start_word":1970,"end_word":2034,"sentiment":"neutral","sentiment_score":0.03740024194121361},{"text":"Perfect.","start_word":2035,"end_word":2035,"sentiment":"positive","sentiment_score":0.4413189888000488},{"text":"You've also got a thirty day waiting period there. Do you know how your waiting and benefit periods work with the income protection policy? Not really. No. No. That's okay. A thirty day waiting period essentially means you just have to be off work for thirty days prior to being able to make the claim. So, essentially, we'd sort of say if it if anything was to happen and you felt you were gonna make that waiting period to let us know straight away, we'll let the insurer know. They'll start the waiting period from the first day that you were off work. Once that thirty day hits, then the insurance can can be submitted. It can take another thirty odd days depending on the insurer to pay out the claim.","start_word":2036,"end_word":2166,"sentiment":"neutral","sentiment_score":-0.06675706803798676},{"text":"So you are often paid in arrears.","start_word":2167,"end_word":2173,"sentiment":"negative","sentiment_score":-0.3359971046447754},{"text":"So, realistically, if thirty days is when you can start the claims paperwork and submit everything, but then you do wait an extra thirty days for the first payment to come through. So you realistically are not receiving an income for about sixty days with that one. With the benefit period, it's how long you can be on a claim for. So if you were to be on a claim, if you were to, you know, be offered a five year period, at the end of the benefit period of five years, they will stop the claim regardless of whether you're able to go back to work or not. So, realistically, most claims are dealt within within the first sort of two years. As you can imagine, insurers don't wanna pay claims for long periods of time. So as soon as you're off work, they're trying to find ways to get you back to work and seek rehabilitation and things like that. But this just means that at five years, that claim stops regardless for you. Okay? Yeah. K. Cool. Yep. Yep.","start_word":2174,"end_word":2355,"sentiment":"neutral","sentiment_score":-0.008705035783350468},{"text":"Beautiful.","start_word":2356,"end_word":2356,"sentiment":"positive","sentiment_score":0.5047104358673096},{"text":"At the moment, the amount that you have paid for the policy is $2,380.36. That's how much came out of your super fund. But the total amount the insurer actually received was 2,800 for the policy. So I'll just keep reviewing this with you each year. They as I said, they are gonna get more expensive over time, so we wanna make sure the policy stays in line with what you needed to cover, but also making sure we're not eating away too much of your sleep down the track there as well. Okay? For sure. Yep.","start_word":2357,"end_word":2453,"sentiment":"neutral","sentiment_score":-0.04109938442707062},{"text":"Excellent. All good.","start_word":2454,"end_word":2456,"sentiment":"positive","sentiment_score":0.5112205743789673},{"text":"The only other thing I can sort of see is you don't have any it looks like originally, we had recommended trauma cover. Obviously, this doesn't have trauma on there. Do you still have that cover? Are you still paying for trauma out of your back pocket, or you don't have any additional insurances outside of that lifekeeping income protection? No. No. I don't have any other policies yet. So that's yeah. Okay. No. That's okay. Just an having a look at the advice talking back initially, we had recommended the trauma policy. Do you remember kinda going through that recommendation with Tarek and sort of what the conversation was around that and if you'd sort of taken that policy at any Not too sure, to be honest. It does ring a bell, but, yeah, I can't point. remember No. why That's I okay. would have edited it, to be honest. That's Yeah. okay. That's alright. Do I you feel like you're comfortable not paying don't for anything additional? You're happy with just know. the life keeping in income protection? Yeah. Yeah. That's fine.","start_word":2457,"end_word":2640,"sentiment":"neutral","sentiment_score":-0.06803696336346152},{"text":"Beautiful. I think.","start_word":2641,"end_word":2643,"sentiment":"positive","sentiment_score":0.4611462652683258},{"text":"Yeah. Check it out. That's okay. I mean, realistically, when you think about all the things we can be insured for for us, our dogs, our pets, our Yeah. house, Exactly. and contacts, Yeah. we can basically be forking out millions of dollars a year just insurance premiums at this rate. So For sure. Yeah. Yeah. Yeah. Exactly.","start_word":2644,"end_word":2701,"sentiment":"neutral","sentiment_score":0.08359604328870773},{"text":"excellent. All good.","start_word":2702,"end_word":2704,"sentiment":"positive","sentiment_score":0.5013017058372498},{"text":"If you would just go to the next document for me, the next one along is your performance report here. So this is one of the things that I do have a look at with regards to your super before the call just looking at how some of the investments have performed. Majority of them have performed really well for the year, and you have received your really good return at 7.31%. However, I can see the top that that been along Australian equities is underperforming slightly, and I think that's also having a bit of an effect on your super. So I did wanna just have a chat to you about it and let you know I do wanna go back and maybe review the super and the recommendations. I definitely wanna look at pulling that investment out of there. One of the things and one of the things that having Bennelong in that is that Bennelong is supposed to be an actively managed fund. So the investment manager within that fund is trying to outperform against the market, trying to pick the top of the bottom and pick investments to buy into at certain times.","start_word":2705,"end_word":2901,"sentiment":"neutral","sentiment_score":-0.033072587102651596},{"text":"They haven't been able to do that. It is holding your portfolio back a little bit there at the moment, so I do wanna remove it out.","start_word":2902,"end_word":2928,"sentiment":"negative","sentiment_score":-0.3527849316596985},{"text":"We could realistically keep it in there for a bit longer, but when you sort of look at the market as a whole, as much as the market has had those ups and downs, the Australian market is actually performing quite well at the moment. And I can sort of show you why. If you look to three down from the Benelong Australian Equities, you've got the keywords invest as the Raffy. That is actually giving you exposure to Australian equities as well, and that's up by 15.03%. And the other thing to look at is the American market because we tend to follow suit with the American market as well. And the iShares S and P five hundred, you're up by 10.91% there. So when I look at the Australian and international markets, and they're performing quite well, but then this one Australian investment isn't doing so well, it's less to do with the markets as a whole, and it's more to do with the investment as such. So if you're comfortable, I'd like to replace that with something else and look at keeping your super working a bit harder. Do you have any questions and or concerns about that? No. I think that's a good idea. Yeah. Yeah. Yep. What Yep. is it? 20% under some best performance, is it? Yeah. So yeah. Yeah. We'd rather not compound and not do any worse than that. So Yeah. Yeah. we can look at switching it out. And because it is down at the moment, I can look at the rest of your portfolio and see where there might be some other changes that we need to maybe make for you, And we can offset any capital gains that might be seen within the super fund and utilize the loss that that investment has seen to try and Yeah. offset Okay. those as much as possible for you. Okay? Yeah.","start_word":2929,"end_word":3248,"sentiment":"neutral","sentiment_score":0.05351574718952179},{"text":"Nice. I'm good. Excellent.","start_word":3249,"end_word":3252,"sentiment":"positive","sentiment_score":0.5395742654800415},{"text":"The other thing I am looking at is the bank hybrids there. They are more of a defensive lower risk investment, and they have done really well. However, down the track, the government is actually phasing those out. So I feel like it's probably a good chance to remove them now. That way, we don't have to make those changes down the track there for you. Let's update the portfolio as a whole while we can make it Yeah. easier.","start_word":3253,"end_word":3332,"sentiment":"neutral","sentiment_score":0.04961920909117907},{"text":"Cool.","start_word":3333,"end_word":3333,"sentiment":"positive","sentiment_score":0.3636890053749085},{"text":"How does that sound? Yep. Yeah. Yeah.","start_word":3334,"end_word":3340,"sentiment":"neutral","sentiment_score":0.2220361679792404},{"text":"Sounds good for sure. Excellent. Everything else, though, is working really well.","start_word":3341,"end_word":3352,"sentiment":"positive","sentiment_score":0.5772199034690857},{"text":"We have seen I think it's property at the bottom. There's the only other one that isn't performing as well, and I'll review that one for you just to sorta make sure if we need to move that, we will. Hello? But, otherwise, the market as a whole with the volatility we are seeing, they have still performed nicely, and we are still, you know, up at the moment. So it's just about going through those ups and downs and the volatility Yeah. that we generally see. But I can see some chances here to change your portfolio over, so I will do that for you and review the super for you to make sure everything continues to work Yeah. Cool. Sounds good. harder. Okay?","start_word":3353,"end_word":3477,"sentiment":"neutral","sentiment_score":0.07511582225561142},{"text":"Excellent. All good.","start_word":3478,"end_word":3480,"sentiment":"positive","sentiment_score":0.35572177171707153},{"text":"The next page of that same document just outlines the internal rate of return and shows that you have received a 7.31% for the year net of fees, and the total earnings of that is just over $14,000 a year. So we wanna compound and keep that working harder for you so that your balance increases over time. Okay? Yep. I did also have a quick look at since inception as well because just sort of see, you've been on for three years now. Your total performance over the past three, sorry, three years, you've averaged about 32.21. So when I kinda go back and average it out over the each year individually, it's essentially about a 10.73% return. So, realistically, Yeah. Fair your enough. portfolio has been working and compounding nicely since you came on board there just to kinda give you a bit of a an update on the total. But, no, Yeah.","start_word":3481,"end_word":3635,"sentiment":"neutral","sentiment_score":0.11481786519289015},{"text":"very Awesome. happy with how things are tracking. We just wanna keep evolving and making it work.","start_word":3636,"end_word":3652,"sentiment":"positive","sentiment_score":0.4282529056072235},{"text":"Realistically, investments that might have been great a couple of years ago do need to be updated every couple of years depending on how markets change over Sure. time. So it is Yeah.","start_word":3653,"end_word":3685,"sentiment":"neutral","sentiment_score":0.06543388962745667},{"text":"good to review it with you. Absolutely.","start_word":3686,"end_word":3692,"sentiment":"positive","sentiment_score":0.5165440440177917},{"text":"Yeah. Do No. you have any questions about the super, the performance, the investments, or anything like that so far? I think that all makes sense.","start_word":3693,"end_word":3718,"sentiment":"neutral","sentiment_score":0.08154907077550888},{"text":"Yeah. It's a good overview. Yep. Thanks. Fantastic. Excellent. That's the main documents there.","start_word":3719,"end_word":3732,"sentiment":"positive","sentiment_score":0.5216309428215027},{"text":"The next documents along you'll see is the Vanguard index chart, and that's essentially showing you a bit of an update on how markets perform. I tend to use it as a bit of a guide to sort of you say this is how markets go up and down. This is what's kind of expected there. With your portfolio, you're actually in a high growth environment. So when you sort of are looking at that chart, you can see this first one is The US shares. Essentially, with that, it's a growth asset. So you're theoretically about 90% invested in this as a growth asset. So US shares, Australian shares, international shares, and listed properties. So you are taking a bit more risk in the market to try and get greater potential returns. But as your balance increases, smaller changes and even smaller dips in the market are gonna have a bigger effect, and you might feel them a bit greater as well. So I will just do a bit of a risk profile questionnaire with you at the end of the call just to evaluate whether that portfolio is still suited to you. But when you sort of think about the markets and the ups and downs and the risk level, are you still fairly comfortable taking on that kind of higher risk environment to get greater potential returns? How do you sort of feel about Yeah. I guess it just depends on, yeah, what what you recommend and how that? Yep. I look at it on the long term, I suppose, because that's obviously a long term type of Yeah. approach that I mean. So yeah. Yep.","start_word":3733,"end_word":4011,"sentiment":"neutral","sentiment_score":0.08073753118515015},{"text":"Absolutely. Perfect.","start_word":4012,"end_word":4013,"sentiment":"positive","sentiment_score":0.3857806921005249},{"text":"I'll go through the risk profile then. We'll kinda talk a bit more deeper about it, and then you can you let me know if you, you know, wanna make any changes to that at all? The next document, if you kinda keep moving forward, is the Clearview Certificate of Currencies. This is just outlining a bit more detail around your insurance policy, the level of cover you have for each individual one. It's more just a bit of a guide to give you an update there. Okay? K.","start_word":4014,"end_word":4102,"sentiment":"neutral","sentiment_score":0.13822670841819784},{"text":"Cool. Yep.","start_word":4103,"end_word":4104,"sentiment":"positive","sentiment_score":0.4222721755504608},{"text":"The next document along is the Oakview Financial Services Guide.","start_word":4105,"end_word":4114,"sentiment":"neutral","sentiment_score":0.25309276580810547},{"text":"This just essentially updates you on everything about who we are, what we do, and how we do it. It has lovely pictures of me inside there, so you can see all of my information.","start_word":4115,"end_word":4149,"sentiment":"positive","sentiment_score":0.46452000737190247},{"text":"And as a licensed adviser, my licensing information there for you as well. Yep. I'll let yeah. I would sort of tell people that when they can be a little bit arduous and boring to read.","start_word":4150,"end_word":4185,"sentiment":"neutral","sentiment_score":-0.013939740136265756},{"text":"But if you have trouble sleeping one night, feel free to whip it out and knock you out cold in a few seconds. That's how boring those legal documents are.","start_word":4186,"end_word":4215,"sentiment":"negative","sentiment_score":-0.3620266318321228},{"text":"Yeah. No worries. Sounds good. There you see. And the last document attached is the ongoing service agreement for the next twelve months there. So, essentially, you are paying 1.65% for our services. That's per year. And then it is deducted in smaller monthly increments over the course of the year. The ongoing service fee allows us to look after your sleep and make monitoring, reinvesting, but also update the advice to make changes to it as needed as well. And it sort of incorporates the insurance side of things as well for you. With our ongoing service fee, it has always been at 1.65% capped at 600,000. But as of sort of this next year, we're gonna be changing that slightly. It won't be capped at $6,600,000 anymore. It will continue up to balances of 2,000,000. However, we've got more of a tiered structure. So when your super balance goes over 200,000, you drop into the next tier, which means it goes from 1.65%. Anything over that 200,000 is then charged at 1.375 percent. Okay. And then once Yeah. Cool. your balance hits 500,000, you drop into the next tier and it drops it down even further. Yeah. It So makes the sense. idea, yeah, the idea is that the higher your balance goes, the next tier will drop down a little bit lower for you. So the percentage is a bit lower, but we're also gonna work it out as a set dollar figure fee. One of the things that we have sorta had in the past is with a percentage based fee, we're giving you an estimate of how much you're expected to pay for the year, but then it depends upon the market as to how much we actually receive. So there's no real certainty in that for you. We're going to be as of the new and even this agreement has been set up that way for you. So we've worked it out as a set dollar figure fee. We've worked out based on your current balance plus a 5% growth how much you're expected to pay for this year. So it's $3,408.34. That means that that's the only amount you'll pay for the year. If your balance if you receive a 20% return, our fee doesn't keep going up with that 20% return. It gives you more stability, and it gives you more certainty around how much you'll pay. It's set into the hub twenty four super fund as a dollar figure fee. So it essentially means that you're not gonna pay anything more than that. And the idea is that we wanted to make sure that as your balance increases, the fee drops a bit, but that every year you get a lot more certainty around how much you pay for our services as well so that we're a bit clearer with everything if that makes sense. Yeah. That makes sense. For sure. Yeah. Do you have any questions about that? Does that No. I think it's still pretty no? straightforward. Yep. Yeah.","start_word":4216,"end_word":4725,"sentiment":"neutral","sentiment_score":0.11848411836168345},{"text":"Beautiful. Happy to sign for the next one. Excellent.","start_word":4726,"end_word":4734,"sentiment":"positive","sentiment_score":0.546904981136322},{"text":"No. Yeah. I think the Yeah. main thing is just to be understanding where it goes for the Benelon funds and what you guys checking on there. Absolutely. And what I'll do with the advice, I'll go back and review that with you. I'll pop in there. We'll look at the next sort of five to ten years. I try not to sort of over project to to retirement. You are still very young. You put a lot more Yes. time on your side, and your life could change very heavily in that. So we'll look at the projected outcome over the next five to ten years there for you to sort of see where you're tracking and then keep an eye on things for you and reevaluate that advice as we need to moving forward to keep you on track. How does that sound? Yes. I Yeah.","start_word":4735,"end_word":4882,"sentiment":"neutral","sentiment_score":0.05594626844332025},{"text":"think it's really good. Beautiful. Excellent.","start_word":4883,"end_word":4888,"sentiment":"positive","sentiment_score":0.630894660949707},{"text":"The last document attached there is the TFN opt in form. So we hold your tax phone number. This document is outlining how and why. There have definitely been a lot of changes within our industry. We're just sort of making sure that we're updating all of our records and letting you know what we hold and why. One of the biggest things is, obviously, the cybersecurity issues that have been occurring over the past couple of years. We've not had any, thankfully. We wanna make sure we definitely don't. So we do make sure to update these documents, let you know what we hold on you, how and why, why it's important to do so, and that's why we do security whenever we call you and you call us. We wanna make sure that your your private information is at the forefront of, you know, protection, and we wanna make sure we hold all of that and secured everything for you. So we are very security conscious here, and that's why we do the things that Yeah. we Cool. do. But that document is outlining why we hold your tax phone number and just making sure you're comfortable with us still doing that. Okay? Yeah. Perfect. That's easy. No worries.","start_word":4889,"end_word":5099,"sentiment":"neutral","sentiment_score":0.02819967456161976},{"text":"Excellent. Fantastic.","start_word":5100,"end_word":5101,"sentiment":"positive","sentiment_score":0.3612797558307648},{"text":"I'm just gonna run through this update a couple of additional things there for you. With your with Confer Your Income, you're on that base of about the 300,000 with your main full time role there at the moment. And you may have mentioned income from your company is about 10,000 per month, but you're not really paying yourself anything out of that. That's all staying inside the company. Is that right? Yeah. That's correct. Yeah. Yeah. Beautiful. And so employer contributions, will that just be based on the $300,000 base income from your full time role? Is that right? Yeah. So that 300 is 300 including super as well. So it's Okay. probably, I don't know, $2.76 or whatever it looks like today. Yeah. Including super. Yeah. I can do the math for Yeah. you. Don't worry. Yeah. That's That's right. not a problem. Yeah.","start_word":5102,"end_word":5247,"sentiment":"neutral","sentiment_score":0.0850011100609825},{"text":"Yeah. Cool. Easy. I'm sure. I'm sure.","start_word":5248,"end_word":5254,"sentiment":"positive","sentiment_score":0.44943174719810486},{"text":"Yeah. And you're not making any additional contributions over and above the employer side of it. Are you sorta happy to not worry about that at the moment? Is it something you wanna look at down the track? Oh, look. I'd be keen to explore if, you know, some tax efficiencies there. Obviously, that that income, you know, getting taxed through the nose. So Yep. if there's any strategies where, you know, I could do some voluntary contributions that might be a bit more efficient on an overall sort of sense when you look at the whole package. Yep. Yeah. I'm beginning to understand that for sure. Yeah. That's okay. So there are definitely ways to do, like, voluntary deductible contributions where if you put 10,000 in by, say, the end of June next year, then you can claim that 10,000 back on your, sort of, taxable income to help reduce your in your assessable income. Yeah. Okay. Yep. It does sort of come down to what's gonna be more tax effective for you. And, realistically, what you could do, depending on how you start to wanna look at it, I could make a recommendation based on your current income on what to put in as deductible contribution and how that might look for you. But I'm not able to see sort of your overall tax situation. It's more of your accountant's Yeah. Okay. area. Fair Otherwise, enough. you can if you're comfortable, you can always speak to your account at the end of the financial year, say, maybe early June next year, and get them to tell you what sort of contribution would be more tax effective for you based on your current circumstances. Yeah. It's up K. to you how you'd like to sort of proceed and and look at it.","start_word":5255,"end_word":5557,"sentiment":"neutral","sentiment_score":0.1004890277981758},{"text":"I'm happy to sort of factor in a recommendation to maximize contributions if you'd like to.","start_word":5558,"end_word":5573,"sentiment":"positive","sentiment_score":0.5017462968826294},{"text":"But I'm very limited to how much of your tax No. situation I get that. I can take into account for you. Does that Yep. make sense? Yeah. It Yeah. does. Yeah. Yeah. I mean, just to yeah. Yeah.","start_word":5574,"end_word":5612,"sentiment":"neutral","sentiment_score":-0.014041980728507042},{"text":"Any sort of recommendation you can make within, you know, the confines of what you can do, that'll be that'll be great.","start_word":5613,"end_word":5634,"sentiment":"positive","sentiment_score":0.40785226225852966},{"text":"And, yeah, Yes. I'll be talking to the accountant about it as well. That sounds Yeah.","start_word":5635,"end_word":5650,"sentiment":"neutral","sentiment_score":0.19925379753112793},{"text":"good.","start_word":5651,"end_word":5651,"sentiment":"positive","sentiment_score":0.4344269037246704},{"text":"Absolutely. If you like, what do you have access to your myGov account at all? I do. Yeah. Yeah. Yeah. If I can, after the call, send you an email just directing you how to get your carry forward and catch up contributions, if you're able to obtain that sort of thing for me, I Yeah. could, as part of the recommendations, look at maybe what we're projecting based on your current income circumstances and just make a recommendation on deductible contributions and how to put them in effectively and what sort of what I can do with regard to meeting your goals and, you know, building super as much as possible. But because you are on such a high income, maybe also looking at utilizing catch up contributions if you wanted me to. Does that sound okay? Yeah. Absolutely. Nothing's Yeah. correct.","start_word":5652,"end_word":5794,"sentiment":"neutral","sentiment_score":0.1958987861871719},{"text":"Beautiful. Excellent.","start_word":5795,"end_word":5796,"sentiment":"positive","sentiment_score":0.6111631989479065},{"text":"And because you are on such a high income, last year, did your accountant ever flag or have they sort of flagged anything about the DIF two nine three tax at all? Has anyone ever sort of flagged that? No. Not that I can recall, but yeah. Have have you done your tax return for last financial year as of yet? I haven't finalized it. I've got a draft there, which I need to review. So it's still an opportunity to change anything if I need to. Yeah. No. That's okay. If you can just maybe double check that with your account as well because your income is quite high. If you are earning over 250,000, including contributions, you can be eligible for what's called div two nine three tax, which is an additional tax, and they charge additional tax on your super contributions there as well. Okay. So, yeah, just maybe have it checked to your account and then get him to check your tax return for the last year, find out whether you were eligible or whether you were technically or are going to have to pay that additional tax there. Okay. When Yeah.","start_word":5797,"end_word":5992,"sentiment":"neutral","sentiment_score":0.016418078997438506},{"text":"it comes That's awesome.","start_word":5993,"end_word":5996,"sentiment":"positive","sentiment_score":0.4223996102809906},{"text":"to that additional tax, the ATO just send you a letter saying, how do you wanna pay this? You can have it drawn out of your super, or you can pay it personally depending Okay. on your circumstances there. So, this is something Sounds I good. wanted to quickly flag with your income being so high, you're working your butt off. Just maybe flag that with your accountant to get him to have a look at whether that is something that you will have to consider paying and how that affects you. That's Yeah. the Cool. other side of this is if we do make, you know, additional contributions in the super, when you are liable for that div two nine three tax, the contributions that go into super are technically taxed at 15%. With that div two nine three tax, essentially, you the ATO tax is another 15% on top of that. Do you feel like if I was to make a recommendation on additional contributions that even if you were eligible for that div two nine three, it would still be I mean, realistically, it's lower than your marginal tax rate is, so it does provide a benefit to you. But do you feel like that would still be appropriate? You sorta wouldn't worry too much if you had to pay additional tax from there knowing it is less than your current marginal tax rate, or would you be more less inclined to wanna make additional contributions in that circumstance? Oh, look. I'd be keen to, yeah, I guess, to speak simply just to avoid that 15% tax. Yeah. So, yeah, if there's a way that I can keep that money in the pocket, whether it's been super or otherwise, then, yeah, I'd be keen to look at it. So yes. So sorry. I think I missed that.","start_word":5997,"end_word":6306,"sentiment":"neutral","sentiment_score":0.1290929915924226},{"text":"The phone just cut out of me.","start_word":6307,"end_word":6313,"sentiment":"negative","sentiment_score":-0.5003042817115784},{"text":"You mentioned that you would be keen to continue to put money into so far, or you'd be sort of wanting to keep it more in your back pocket. Is that I'll right? look if Sorry. yeah. Yeah. If if if I put extra money into super and that avoids that money going to the government in tax, then, yeah, that that's what I began to look at. Just trying to get the money in my pocket, whether it's super or otherwise. Yeah. Yeah. Just avoiding I mean that tax. yeah. I mean, realistically, the the the d $59.03, like, it is an extra 15% tax on top of your super contributions in super there. But, theoretically, if you're on a 47% tax bracket, you're still technically saving on on the tax side of things. It's 30% in super instead of 47% in your own name. So Alright. there's I see. Yeah. Yeah. Yeah. Okay. Let's see yeah. how it works. Yeah. There are sort of advantages and disadvantages to both. But if you like, as part of the overall strategy, I can have a look at that. I can work out whether making additional contributions is gonna provide any greater benefit to you, and I can make a recommendation if I feel it's suitable to do so. If I don't think it's suitable, then I probably just won't. I'll let you know that it's not really gonna work out for you. But I'm happy to have a look at it if you're happy for me to do so. Is that okay? Yeah. Yeah.","start_word":6314,"end_word":6577,"sentiment":"neutral","sentiment_score":0.03135109320282936},{"text":"Absolutely. Seems great.","start_word":6578,"end_word":6580,"sentiment":"positive","sentiment_score":0.4963201880455017},{"text":"Yeah. It's kind of a double edged sword tax, isn't it? You kinda wanna work hard, make a lot of money, but then they take most of it.","start_word":6581,"end_word":6608,"sentiment":"neutral","sentiment_score":-0.23580320179462433},{"text":"It's shocking. That's it.","start_word":6609,"end_word":6612,"sentiment":"negative","sentiment_score":-0.5166463255882263},{"text":"That's it. You work hard and, yeah, hang on in your pocket. Yeah.","start_word":6613,"end_word":6625,"sentiment":"neutral","sentiment_score":-0.09234589338302612},{"text":"That's exactly right. So absolutely. Perfect.","start_word":6626,"end_word":6631,"sentiment":"positive","sentiment_score":0.53950035572052},{"text":"Well, after the call, I'll send you an email just getting your carry full catch up contributions there for you. I might also just ask you to check with your accountant and just reconfirm your total taxable income between your business and also your employer just so I can kind of get an a gauge on what that might look like and be able to look at the circumstances as a whole for you. Okay? Yeah.","start_word":6632,"end_word":6707,"sentiment":"neutral","sentiment_score":0.08418291062116623},{"text":"Awesome. Sounds good. Excellent.","start_word":6708,"end_word":6711,"sentiment":"positive","sentiment_score":0.6320594549179077},{"text":"Goals wise, we're we were looking at you were hoping to access super around at the age 65. Is that still your goal for accessing super? Are you wanting to access super earlier? What's your thoughts It look, it'd be on great that now? if I could earlier. Yeah. I have to Yeah. say at this point, I guess, still quite a while away. But yeah. I mean, if I can reach our both 16, then I think we'll be doing pretty well. But Yep. 60. That's okay.","start_word":6712,"end_word":6799,"sentiment":"neutral","sentiment_score":0.10283543914556505},{"text":"I can definitely have a look at that for you.","start_word":6800,"end_word":6809,"sentiment":"positive","sentiment_score":0.3900429606437683},{"text":"I'll update your retirement goal to the age of 60. I mean, there's definitely no harm in looking to try and yeah. retire earlier. You know, say, 60, then you get to 60 and go, nah.","start_word":6810,"end_word":6845,"sentiment":"neutral","sentiment_score":0.21266768872737885},{"text":"Cool.","start_word":6846,"end_word":6846,"sentiment":"positive","sentiment_score":0.39831310510635376},{"text":"I wanna keep working a little bit longer. Yeah. You the option to do so. So I'll update that, and we'll look at them trying to meet your goal a little bit earlier.","start_word":6847,"end_word":6879,"sentiment":"neutral","sentiment_score":0.20261627435684204},{"text":"It's absolutely fine.","start_word":6880,"end_word":6882,"sentiment":"positive","sentiment_score":0.3792968690395355},{"text":"It still does mean you have about twenty four years before accessing super, but, realistically, it's not a bad goal to have.","start_word":6883,"end_word":6904,"sentiment":"neutral","sentiment_score":0.24349144101142883},{"text":"I'd love to retire at 62.","start_word":6905,"end_word":6910,"sentiment":"positive","sentiment_score":0.3382813632488251},{"text":"I think it'd be a Yeah.","start_word":6911,"end_word":6916,"sentiment":"neutral","sentiment_score":0.2407146543264389},{"text":"great time.","start_word":6917,"end_word":6918,"sentiment":"positive","sentiment_score":0.41594475507736206},{"text":"Yeah. Yeah. That's it. A 100%. Any time you got time with that? Excellent. Yep. In retirement there, I had down here that you were sort of hoping to draw about $1,500 per year in so it's $1,500 per week in income. Do you feel like that's still fairly appropriate for when you get to that point? Yeah. Look, hard to say with escalation the way that it is. But, yeah, I mean, for it's worth yeah. It should be fine. Work on that in today's dollars? Yeah. Yeah.","start_word":6919,"end_word":7007,"sentiment":"neutral","sentiment_score":0.06807869417446383},{"text":"Absolutely. Yeah. Fantastic.","start_word":7008,"end_word":7010,"sentiment":"positive","sentiment_score":0.5040159225463867},{"text":"Assets wise, I have your main primary residence down with an asset value of 1,200,000. What sort of value would you put on that now, do you think? Oh, look. I think it's probably still about 1.2. That might have been a little bit high last time I gave it, so I'd probably just keep Yep. it there. That's okay. And I've got down here the debt value on the property. So I'm mortgage owing of 830,000. Have you reduced that a little bit? A little bit for the $8.20 or something like that. Not $8.20? much change. Yeah. That's okay. I also have your car down here with a value of 60,000. What kind of car do you drive? Just a Ford Ranger. About four years old, I think. So it's probably Yep. more like 50, I'd say. 15. Yep.","start_word":7011,"end_word":7151,"sentiment":"neutral","sentiment_score":0.034344520419836044},{"text":"Beautiful.","start_word":7152,"end_word":7152,"sentiment":"positive","sentiment_score":0.34881865978240967},{"text":"And you have no debt on the vehicle owned outright? Yeah. I know. Right?","start_word":7153,"end_word":7166,"sentiment":"neutral","sentiment_score":0.08420483022928238},{"text":"Beautiful.","start_word":7167,"end_word":7167,"sentiment":"positive","sentiment_score":0.34366375207901},{"text":"I don't have any other assets or liabilities noted down. Do you have any other personal loans, credit cards, or assets, anything else that I should probably note here on here of value? Oh, I've got a credit card, but that's the $15 credit card that's paid off each month. So it's a zero. So Yep. yeah. Yep. There's a limit to that 15,000 that you pay it down every the end of every month. Yeah. Yeah. That's it. Yep. Exactly.","start_word":7168,"end_word":7248,"sentiment":"neutral","sentiment_score":0.015497134067118168},{"text":"Beautiful. Fantastic.","start_word":7249,"end_word":7250,"sentiment":"positive","sentiment_score":0.5246822237968445},{"text":"And I've got down here that you've got one son. He's nine or 10 years of age. Is that right? One dependent? Yeah. That's alright. Yeah. It tends Oh, to end in October. So it's a gorgeous age. yeah. It is. Yeah. Yeah.","start_word":7251,"end_word":7293,"sentiment":"neutral","sentiment_score":0.1206054911017418},{"text":"Lots of fun.","start_word":7294,"end_word":7296,"sentiment":"positive","sentiment_score":0.41282108426094055},{"text":"Keep keep some busy. Yeah. That's for sure. Absolutely. And that is his name's Reuben. Is that right? Yeah. That's right. Yeah. Yeah. That's Yeah. him. So just to kind of talk a bit more about your beneficiary side of things as well. So with your sofa, I've got down here that you wanted a 100% of the benefit paid to Reuben in the event that something was to occur. Is that right? Yeah. Sure. Yep.","start_word":7297,"end_word":7372,"sentiment":"neutral","sentiment_score":0.1949542531449544},{"text":"Yep. Perfect. I'm just having a quick look at your life insurance as well.","start_word":7373,"end_word":7386,"sentiment":"positive","sentiment_score":0.42230984568595886},{"text":"It's also got Reuben down there.","start_word":7387,"end_word":7392,"sentiment":"neutral","sentiment_score":0.2610184848308563},{"text":"So, It's realistically, cool.","start_word":7393,"end_word":7396,"sentiment":"positive","sentiment_score":0.4638245105743408},{"text":"because he is under 18, he is still a minor and a dependent of yours. If anything was to happen till you say you were to pass away, those proceeds can be paid to him. However, because he is a minor, they're not paid directly to him. They do go through the guardian. So, realistically, if you were to pass away, who would be his guardian, and do you feel comfortable having those proceeds paid through that person to him to make sure he gets the funds. Yeah. Look. That's a great question. I'm not actually sure who would pay you the Guardian, and how how do you actually figure that out? Like, where where does that come from? Yeah. So as part of your estate planning, if you do a will power of attorney, you can also have a guardianship document done up, which basically Okay. notes that you are directing someone to become his guardian in the event that you passed away, and then the funds can be paid directly to them. This is the money isn't paid directly to a minor. It normally goes through the guardian. And sometimes depending on family circumstances, it might go to, like, an ex partner or, you know, the mother of the child, and Yeah. it might not Of be course. the person that you wanted to go through. So directing that money to who you want it to be is the most important aspect. In saying that, we hope nothing happens. I want you to get to your retirement Yeah. years Of course.","start_word":7397,"end_word":7659,"sentiment":"neutral","sentiment_score":0.05652158707380295},{"text":"and enjoy all this money.","start_word":7660,"end_word":7664,"sentiment":"positive","sentiment_score":0.35844549536705017},{"text":"But if you were to pass away and he he was over 18 at that time, then he can have the funds paid directly through him still. He is still a dependent sorry. He's still a a beneficiary under the SIS Act. He's just he's a nontax dependent over the age of 18. So, Okay. realistically, Yep.","start_word":7665,"end_word":7721,"sentiment":"neutral","sentiment_score":0.05520736582969364},{"text":"the the beneficiary is exactly fine the way it is. It's just about making sure that things are directed as per your wishes. There is another way that you can have your beneficiary updated if you wanted to, and that's essentially I reckon that's essentially nominating legal personal representative, which means that everything gets paid to your estate.","start_word":7722,"end_word":7779,"sentiment":"positive","sentiment_score":0.4672074317932129},{"text":"And then having a minor child, you can always have, like, a a trust set up through through your Yeah. estate planning Okay.","start_word":7780,"end_word":7802,"sentiment":"neutral","sentiment_score":0.3053690195083618},{"text":"through your will Yep. and have everything paid out by the trust. And it kinda gives you a lot more direction there as well. So you can hold money back until certain ages or have it paid out little bits at a time in increments or have it all paid out as a lump sum at a certain point in time. So it just gives you a lot more control and certainty around doing it. But your beneficiary nomination, the way it's set up, is absolutely fine.","start_word":7803,"end_word":7889,"sentiment":"positive","sentiment_score":0.47403451800346375},{"text":"It's just noting that he wouldn't receive the lump sum. It would be applied for through his guardian and then paid to his guardian to be held in trust for him at a later Yeah. time. Okay. Does that make sense? Yeah. Yep. Do you have a will and power of attorney done up? I don't. No. I'd be keen to is that something you guys can help with? Or We can't do them because we're not solicitors, okay. but we do have some Right. information Okay. on a local solicitor I can send to you if you like just with a bit of a costing and some information on who they are. We can always refer you through to to them if you'd like. The other option is all the states do have, like, their public trustees who can set up wills and things for you as well. So I can also gather that data for you and maybe send through an information on estate planning and a couple of different ways for you to do your will up so you can sort of mow through what's gonna be more better for yourself. Does that sound okay? Yeah.","start_word":7890,"end_word":8088,"sentiment":"neutral","sentiment_score":0.08765252162912983},{"text":"That sounds great.","start_word":8089,"end_word":8091,"sentiment":"positive","sentiment_score":0.4312156140804291},{"text":"Yeah. That'd be Yeah.","start_word":8092,"end_word":8095,"sentiment":"neutral","sentiment_score":0.24914707243442535},{"text":"awesome. Fantastic. Excellent. I'll get that sorted. I'll add some information on guardianship for you as well just so you have that to sort of mull over and consider to make it easier on you.","start_word":8096,"end_word":8130,"sentiment":"positive","sentiment_score":0.5037076473236084},{"text":"Yeah.","start_word":8131,"end_word":8131,"sentiment":"neutral","sentiment_score":0.2981022596359253},{"text":"Sounds good. Thank you. Fantastic.","start_word":8132,"end_word":8136,"sentiment":"positive","sentiment_score":0.5504835844039917},{"text":"Not a problem at all. Our goals was down the track. So at the moment with the advice, I'm just sort of focusing around possible contributions, looking at your super, and also just having a look at, sorry, the investments within there for you. Do you have any other goals that you're sort of looking to try and achieve down the track? Oh, yeah. Definitely just looking at, you know, property, trying to get a second Yep. property and yeah. Yeah. Just trying to build that wealth, I suppose, in an overall sense. Yep. No. That's okay. Is getting an investment property something you're looking to do in the next sort of one to two years? Yeah. Ideally. Yeah. Yep. So the other thing to sort of consider is if you Yeah. are making additional contributions to super, because it can obviously have a bit of a tax effect there for you, it also does can reduce your borrowing capacity. Are you sort of wanting to maybe not make additional contributions to super maybe back to putting that money into maybe an investment property to to build wealth in other areas? Or what's your thoughts there? Just because I've Yeah. brought that up now. I'm like, here's some other Yeah. Makes sense. Yeah. Yeah. Yeah. I'll look hold. Yeah. Priority would probably be to try to get the second property just with the growth you can get out of it and things like that. centers. Because Okay. you had a plan to be able to buy another property and do it off a flip, whether it's, yeah, renovation or a duplex or something along those lines and, Yeah. yeah, With see with where that the goes. changes to yeah. Definitely. So with the changes to legislation, have you sort of seen the changes that they've made to, like, the negative gearing and the capital gains and things like that with regard to investment properties? I have. Yeah. Yeah. So the the Yeah. plan that I had in mind was basically I've got my primary place of residence at the moment, the train. And, yeah, I bought that in 2022, so I'd be to, you know, hold on to this and move out. So Yep. I rented out, which should probably be negative negatively geared, and then, yeah, live in something while renovating it. Something Mhmm. along those lines just depending on what, you know, or what else I can find. Yes. And, yeah, going from there, basically. Yeah. Okay. Have you spoken to a mortgage broker and maybe looked at your borrowing capacity to see what you could maybe borrow or what you could buy investment property wise? Not yet, but, actually, within the next two to three months, we'll start our process. Did you want me to maybe refer you through to a mortgage broker? There's no cost to yourself. I can just do an email up referring you through to one of our mortgage brokers. They can have a look at your borrowing capacity, your income, and things like that, and maybe, let you know what you'll be able to borrow based on your circumstances. Did you want me to organize that for you? I think I've actually dealt with is it Grant, the mortgage broker that you Yeah. guys work with? Brett Sullivan, he actually retired. Yeah. Oh, diddy He's retired. bugger. He was really Yeah. good. He was really good. He did just recently retire, poor bugger. Yeah. He's Okay.","start_word":8137,"end_word":8720,"sentiment":"neutral","sentiment_score":0.027534218855865607},{"text":"a lovely, Good lovely on him.","start_word":8721,"end_word":8726,"sentiment":"positive","sentiment_score":0.524624764919281},{"text":"soul. Yeah. Yeah. Yeah. Yeah. Yeah.","start_word":8727,"end_word":8732,"sentiment":"neutral","sentiment_score":0.14162281155586243},{"text":"He's a champ.","start_word":8733,"end_word":8735,"sentiment":"positive","sentiment_score":0.39858224987983704},{"text":"Yeah. I'll look at it'll be right for the minute. But, yeah, Yep. when it gets to that time, I'll I'll shoot you an email and get those Yep. That's okay. Did you still want me to look at contributions in the super, or did you wanna just contact hold on there hold off on that for the moment and maybe keep the funds details. to be able to buy an investment property and focus on the renovation side of things there? Well, I guess there's What's two two parts more to important it in my to mind. you? Yeah. Like, it it makes sense. That's what you're saying. I think Yeah. is there any benefit in looking at increasing cert contributions to do something like a self managed super? Oh, you can't live in them and things like that, though, can you?","start_word":8736,"end_word":8878,"sentiment":"neutral","sentiment_score":0.05165369772202485},{"text":"Pretty restrictive.","start_word":8879,"end_word":8880,"sentiment":"negative","sentiment_score":-0.35135573148727417},{"text":"You, yeah, you can't. And they've actually Yeah. just changed the South Bay Superfund rules as well. So whilst you can still have an SMSF and you can still have a residential property in there, they don't let you borrow for a residential property anymore. You can Okay. only borrow for a commercial. That all came into play as of the August 10 this year to Okay. get the the government's negative gearing and the CJT consequences to Yeah. they made So it there that's one with of the the changes. greens, and that was Okay. all kind of one of the changes. But in saying that I mean, look. There are advantages to both scenarios, but what I'd be sort of looking at is what's more important to you. Is it more important because you're on a good income. You have a good amount of contributions going in. Do we just look at the investments and try to reduce the fees and keep your contributions going in as much as possible and maybe hold off additional contributions till down the track when you might need to make some additional contributions to help reduce, you know, taxable income? Or and do we just sort of hold that money back knowing that you wanna maybe look at buying an investment property? Is investing outside of super to help build wealth for you more important than putting that money into super? What's kind of your main primary goal with that? Yeah. Yeah. I think, yeah, I'll just keep it out of the room. Yeah. Try to push Yes. it. Yeah. Okay. That makes sense. Yep.","start_word":8881,"end_word":9153,"sentiment":"neutral","sentiment_score":0.003299527568742633},{"text":"Perfect. I mean, putting money into super has a greater benefit, like, has a good benefit for you.","start_word":9154,"end_word":9171,"sentiment":"positive","sentiment_score":0.45884920325544143},{"text":"But if you are also wanting to buy an investment property, one of the things I'd be sort of wanting to trade off is your borrowing capacity. Putting more money into super locks it away. You can't take it back out again. If something was to happen, you were to reduce hours or you decided to move fully into your business, do you need that money maybe sitting aside on your home loan where you can pull it back off to use for an investment property, things like that? So Yeah. Yeah. there It's are been a more lot flexible. of different factors to sort of take into account Yeah. there. And if getting an investment property is probably your main main criteria, I'd be looking to maybe hold off on additional contributions now, let you sort of go through that borrowing capacity because, you know, property is expensive. We all know that it's very expensive. Yeah. It is maybe putting a bit more onto your mortgage and reducing your mortgage down a little bit, having more sitting in your offset, which you could draw back later as the deposit to help reduce how much you have to borrow. The other side of that is putting money into super. While super gets good returns, markets do perform very well over longer term. In the shorter term, our mortgages are very expensive. We're all paying very high interest. So putting that money into your offset account essentially is giving you a guaranteed rate of return. If you're paying 6% on interest, putting that extra $100 a week or $200 a week into your offset account is reducing how much you have to pay on interest. So it's giving you much more of a guaranteed rate of return. And then, you know, you can pull that back off if you need to use it for a deposit to reduce how much you need to borrow for the investment property or if you need to maybe keep some funds aside and build that the money to, you know, utilize to do the the property renovations and things like that so you don't have to borrow as much down the track. So there Yeah. are those sorts of things to also consider. Yeah.","start_word":9172,"end_word":9550,"sentiment":"neutral","sentiment_score":0.04919600859284401},{"text":"Awesome.","start_word":9551,"end_word":9551,"sentiment":"positive","sentiment_score":0.5377718210220337},{"text":"Yeah. Well, yeah, that's that that'll make sense. What is Yeah. that? All good. Sorry. You can imagine it's pretty insane in my brain. Oh, no. No. No. No. For Just sure. No. weighing I appreciate up all it. the different options and all the things that you have coming up. So if you're comfortable, I'll hold off on additional contributions for now. I'll look at what your super is doing with just your employer contributions going in. I'll look at changing the investments around low cost and where that sort of tracks you over the next five to ten years. And then we can always look at down the track whether we make additional contributions of what we do, and that allows you to then hold that money back, keep it in your mortgage account for a little bit longer, and also allows you to not reduce the servicing aspect for borrowing to buy the investment property side of things. Does that make sense? And does that sound Yeah. okay? Do you have Yeah. any concerns, queries, or Yeah. That'll make sense. And yeah. I'm doing yeah. that. Yeah. Yeah. Yeah.","start_word":9552,"end_word":9743,"sentiment":"neutral","sentiment_score":0.08204360830131918},{"text":"That's Excellent. a good approach. Beautiful. Fantastic. Beautiful. I'll make a note of that for you.","start_word":9744,"end_word":9759,"sentiment":"positive","sentiment_score":0.5004860162734985},{"text":"Yeah. Even when you do wanna speak to a mortgage broker, please let me know. We have some great mortgage brokers ahead, and I can put you in touch with any one of those. They're all free to yourself to use because they are paid for. The banks pay them when they write loans and things Yeah. like that, Cool. and Yep. they can look at what you're after, what your goals are, and how to approach getting a new loan to to service that for you. Okay?","start_word":9760,"end_word":9847,"sentiment":"neutral","sentiment_score":0.13786104321479797},{"text":"Awesome. Sounds good.","start_word":9848,"end_word":9850,"sentiment":"positive","sentiment_score":0.39950689673423767},{"text":"Yep.","start_word":9851,"end_word":9851,"sentiment":"neutral","sentiment_score":0.24728184938430783},{"text":"Excellent. Beautiful.","start_word":9852,"end_word":9853,"sentiment":"positive","sentiment_score":0.48070982098579407},{"text":"I've also got down here that you were building a business over the last couple of years. Your main goal was to kinda continue building your business and things like that. Is your goal to sort of move into your self employed business or your company full time, or are you sorta hoping to keep them both working coincide along over the next few years? What's your Yeah. goal with that? Yeah. Definitely came to just have one thing going. That's one instead of Yeah. both. But, Yep. yeah, just depending what projects come up. So, yeah, it's still still a goal to progress into self employed, I suppose. Okay. Yep. But, yeah, that that's how to say whether that might be three months away or, you know, a couple of years. Just depends on how things unfold. Yeah. Exactly. Yes. Depends on how it grows. Yeah.","start_word":9854,"end_word":10000,"sentiment":"neutral","sentiment_score":0.075879394688143},{"text":"Absolutely. Perfect. Fantastic. Well, thank you so much for updating those details there for me.","start_word":10001,"end_word":10015,"sentiment":"positive","sentiment_score":0.5930200815200806},{"text":"The last thing to do is just to run through a bit of a risk profile questionnaire. So I've got most of them answered already, which is great. The main ones to sort of go through are probably the hardest ones to answer. The first one here is essentially when you think about risk and the risk you're taking within your super, do you consider yourself comfortable to take on a higher level of risk to get greater potential returns knowing that the downside is also a factor and that the more your balance increases, the more risk you're taking, the more you can feel the downside? Are you probably more comfortable taking on a moderate or medium amount of risk to get the best returns possible, or are you not comfortable taking a lot of risk in the market and knowing the returns are lower? Where do you think you probably sit in Probably another. that scale? Yeah. Beautiful. Excellent. The next one here is if you saw your portfolio fall by 20% in the next sort of one to two years, how do you think you might be feeling? Are you excited about the investment opportunity being it's a market dip? Are you probably holding and waiting to see what happens and maybe on the phone to us to see what we suggest you do, or are you a bit nervous and wanting to sell the investments to cash? What do you think you might do? Oh, look. I'm not very well versed in that sort of thing, so I'd be calling you guys and asking for advice. So let me share. Yeah. Absolutely. Not a problem at all. I've got down here that when we're looking at the rate of return, you're trying to get the best possible return you can over the longer term. Am I right in ticking that box? Yeah. For sure. Yeah. Definitely. Yep.","start_word":10016,"end_word":10336,"sentiment":"neutral","sentiment_score":-0.009943659991791871},{"text":"Beautiful.","start_word":10337,"end_word":10337,"sentiment":"positive","sentiment_score":0.5611377954483032},{"text":"With investment dips in the market, do you think you'd feel optimistic, or concerned, or anxious about those dips? How do you think you might be feeling? Oh, I'd be cautious for sure. Yeah. Yep.","start_word":10338,"end_word":10372,"sentiment":"neutral","sentiment_score":-0.035307370126247406},{"text":"Absolutely. Beautiful. Now you've thank you so much, though.","start_word":10373,"end_word":10381,"sentiment":"positive","sentiment_score":0.4675520062446594},{"text":"You've scored it as a growth investor. So at the moment, as I kinda mentioned, you're in that high growth environment, which sees 90% in those growth assets. With the scoring as a growth investor, we'd see us reduce the risk level by about 10%. The main difference there is that the high growth portfolio, you're trying to obtain around about a eight to 10% return on a yearly basis there. And when we think about the expected volatility, the market could go up by more than 14% or you could see a dip of around 14% expected. The likelihood of a negative return return, that high growth environment is one in every five years, and you've got more than eight years ahead of you. So you definitely suit that time horizon for that sort of portfolio. If we did look to sort of pull you back a bit to that growth environment, you have 80% invested in those growth assets. So we are increasing the defensive low risk component by about 10% there. So you see 20% invested in cash, bonds, and fixed interest. The expected average returns about seven to 9%, and, again, a likelihood of a negative return is about one in every sort of five years. Realistically, you could begin both of those portfolios. It really just depends upon where that 10% realistically is gonna make much of a difference to you or whether you're gonna be concerned if you feel it. Did you wanna kinda stay in that high growth environment for another year, or did you want me to sort of look at reducing the risk level back a bit for you? How do you feel about that, and do you have more I would say it's hard to say between the two, to be honest, but I think, yeah, probably going with the growth option as opposed to the higher higher questions? growth one. Yep. Pull it pull it back Yeah. to growth a little bit. I think so. Yeah. Yeah. Yep. Yep.","start_word":10382,"end_word":10721,"sentiment":"neutral","sentiment_score":-0.020365463142447613},{"text":"Absolutely.","start_word":10722,"end_word":10722,"sentiment":"positive","sentiment_score":0.46411049365997314},{"text":"I mean, realistically, when you think about a 5% return, as your balance increases and grows, which it will definitely do, especially as you're a higher income earner, you will sort of notice those difference. If you, you know, think about someone with $50,000 in their super, a 5% return is much smaller than someone with 500,000 in their super. So as your balance increases, you will notice smaller changes affect you a little bit more or affect your balance a little bit more.","start_word":10723,"end_word":10806,"sentiment":"neutral","sentiment_score":0.17575180530548096},{"text":"So it can definitely have a greater effect long term. So I'm happy to reduce that risk back if you like.","start_word":10807,"end_word":10827,"sentiment":"positive","sentiment_score":0.4907854199409485},{"text":"We can go back to the growth portfolio, and then we can look at what that does.","start_word":10828,"end_word":10844,"sentiment":"neutral","sentiment_score":0.30788853764533997},{"text":"And in twelve months, if you decide you wanna go back up again, you absolutely can.","start_word":10845,"end_word":10860,"sentiment":"positive","sentiment_score":0.34765535593032837},{"text":"Does that sound okay? Yeah.","start_word":10861,"end_word":10865,"sentiment":"neutral","sentiment_score":0.2499520182609558},{"text":"Perfect. Sounds good. Yep. Beautiful.","start_word":10866,"end_word":10870,"sentiment":"positive","sentiment_score":0.4859999716281891},{"text":"Look. I know I have touched on a lot, Patrick. Is there any questions, anything you think I might have not touched on, anything you wanna more further clarity on at all? Or No. No. I don't think so. It's yeah. That's no. really good. I thank you. And, yeah, appreciate Excellent.","start_word":10871,"end_word":10922,"sentiment":"neutral","sentiment_score":0.034775443375110626},{"text":"appreciate your time to run through.","start_word":10923,"end_word":10928,"sentiment":"positive","sentiment_score":0.3824387490749359},{"text":"That's okay. Not a problem at all. So I'll just go back. We'll look at the super. We'll hold off on additional contributions now because buying property is sort of your main goal in the short term. I'll look at what to do with your super. The investments for them will definitely get rid of Van Alung and replace that for you. I'll look at reducing your risk back to the growth portfolio a little bit and see what that does over the next sort of five to ten years. I'll keep your insurances as they are for the time being there, and I'll send you an email with some estate planning details there. Does that sound okay? Yeah. That sounds Yep.","start_word":10929,"end_word":11050,"sentiment":"neutral","sentiment_score":0.13451334834098816},{"text":"Fantastic. All good.","start_word":11051,"end_word":11053,"sentiment":"positive","sentiment_score":0.5093697905540466},{"text":"And that way, you'll also have my direct contact in the email there. So when and if you are ready to speak to a mortgage broker, please let me know.","start_word":11054,"end_word":11083,"sentiment":"neutral","sentiment_score":0.1695404201745987},{"text":"I'll happily put you in touch. perfect. Okay? Awesome. Sounds good. Easy. Perfect. Thank you so much for your time today. If you are happy to, once you've read the email, if you could just sign and return the annual review documents back there for me.","start_word":11084,"end_word":11129,"sentiment":"positive","sentiment_score":0.5076960325241089},{"text":"It looks like they have just come back. Sorry about that. Yeah.","start_word":11130,"end_word":11141,"sentiment":"neutral","sentiment_score":0.10044535249471664},{"text":"You're But, yeah, thank you so much, Yitam. I really appreciate it. It's been a pleasure.","start_word":11142,"end_word":11157,"sentiment":"positive","sentiment_score":0.6476485133171082},{"text":"If anything else comes up, please let me know, and I'll send that email out to you shortly with the estate planning information. Just come back if there's any questions or anything you think that I might have not touched on that you wanted me to sort of look at for you. Okay. Yeah.","start_word":11158,"end_word":11211,"sentiment":"neutral","sentiment_score":0.24590587615966797},{"text":"Cool. Sounds really good. Easy. Thank you so much for your time. I hope you have a good rest of your afternoon.","start_word":11212,"end_word":11233,"sentiment":"positive","sentiment_score":0.6387766003608704},{"text":"Did do you have any more meetings this afternoon, or is that you done to just catch up? No. The school pickup and then, yeah, a few things tidy up the suburb, but, no, pretty much No. there, which is good.","start_word":11234,"end_word":11274,"sentiment":"neutral","sentiment_score":-0.006209078710526228},{"text":"Beautiful. Well, you enjoy your afternoon. Enjoy your time with Reuben. I hope he's had a great day at school.","start_word":11275,"end_word":11294,"sentiment":"positive","sentiment_score":0.6733031272888184},{"text":"Yeah. Alright. Yeah.","start_word":11295,"end_word":11297,"sentiment":"neutral","sentiment_score":0.21270963549613953},{"text":"Thanks. All good. Thanks, Patrick. Awesome. Appreciate Ready. it. You have a good Thanks. day. Thanks.","start_word":11298,"end_word":11313,"sentiment":"positive","sentiment_score":0.5419361591339111},{"text":"You too. Bye. See you later. Bye.","start_word":11314,"end_word":11320,"sentiment":"neutral","sentiment_score":0.24123170971870425}],"average":{"sentiment":"neutral","sentiment_score":0.09374559215228248}}}}