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Yeah. All good. So just double checking. Now we... We're looking at that Vanguard index chart, which is the next document along. Is that the one that you can see there? Yeah. So with that one there, if you look on this side on on mine, it's the right hand side, you'll see The US shares, Australian shares, international shares, and listed property. Can you see those investments added there? Yeah. So those are essentially what we call growth assets. In your growth portfolio, you've got about 80% invested in these sorts of investments. And the idea is these are the ones that get great growth or get the best returns over longer term there. If you sort of, as an example, take The US shares, this document shows that investing $10,000 back in 1996 and letting that fit in the investment over time, you know, re... Reinvesting any growth and income that's been distributed, it would have turned $10,000 into over 218,000. So it's giving you an annual compound of return of 10.8%. And that's why these investments get better long term growth and returns, but they also see the ups and downs that can make us quite nervous. Like, sitting in that over the last thirty years, you've gone through some big ups and downs in the market there. Does that make sense? Yeah. Yeah. Yeah. So what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds. And you can sort of see those bonds underneath that. That's the defensive investment, so it's lower risk. It's expected to get a lower rate of return, but you wanna have some sort of investments of these in there because when, say, equities aren't doing so well, these investments tend to smooth out market returns. They have a very steady kind of track record. And you can see 10,000 in bonds over the last thirty years has averaged 5.2%, so it's only turned it into $45,000 there. And that's because it gets a lower rate of return, but it doesn't see the ups and downs or what we call volatility very much. It doesn't go through that drastic up and down kind of feeling. So because you're younger, we wanna be able to take... Or you're able to take a bit more risk in the market, have more of these growth investments in your portfolio and less of these defensive investments. But as you get older and closer to accessing your super, that's when you start to feel a bit more nervous. And when you're roughly about six years away from accessing super, then we start to decrease the exposure into these growth assets and increase the exposure into those defensive lower risk investments. Does that make sense? Yeah. Yeah. So with that growth environment you're in at the moment, it suits someone who has at least six years before accessing their super. The likelihood of a negative return because we understand with the ups and downs, the risk of a negative return is around about one in every five odd years, and you're looking to try and average around about a seven to 9% return on a yearly basis and compounding that over time with the volatility, the... You know, with the ups and downs the market can see with that seven to 9%, essentially, some years you'll get a much greater return. It might be ten, eleven, 20% return, whereas other years it might be lower like this year where it's a 4% return. And we just wanna kinda keep reviewing that, take advantage of the down times, and, yeah, enjoy the good times. And over the next, you know, twenty odd years, keep your super compounding working forward. So it's also important to update those investments every so often as well because a portfolio that was good a couple of years ago might need to be rejigged or just updated now. And then and then in the future, we update portfolios again. Does that make sense? Yeah. Beautiful. Do you have more questions there? You're welcome to let me know if you do. Yeah. Yeah. Mhmm. It's not at the moment. So they used to have ways in which you could open a cell phone. It's super fun to do so, but you can't own the house and live in the house, essentially. With the way your super is at the moment, you can't technically access it to purchase a home. The only way at the moment is if you're a first home buyer, you can look to contribute more to super and utilize first home super saver scheme where you put more money into super by way of contributions similar to your employer contributions. You build that up to a certain extent, and then you can draw some of that money out to help you with the deposit. Yeah. Yeah. Yes. Yeah. Absolutely. Definitely worth doing. So that $50 per week now compounds really well over time. So one of the things I like to look at, if you think about putting, you know, $20 in and then you get a 100% return, that $20 turns to $40 and then $60. By starting that now and compounding that over the next twenty odd years, you end up with a much greater effect. Sure. Yeah. You're right. That's absolutely fine. That's not a problem at all. Is all go... All okay? Oh, testing your patience. No. All good. All good. Yeah. Sorry. So, yeah, no compounding that over the longer term is definitely worthwhile. Starting those contributions at a smaller amount now and building them up over time has a much greater effect rather than starting them later down the track and having less time for the money invested. So it definitely is worth doing. Yeah. Yeah. Definitely. Does there... Is there any other questions that have come out of any of that? You're welcome to let me know if you need me to break things down further for you. Absolutely happy to help. Yeah. Yeah. Absolutely. Yeah. Perfect. And, look, I did send you an email before, so you're welcome to email me back at any point if you have more questions. I'm more than happy to answer them and help you and break it down. It's not a problem at all. It's actually really good that you wanna take more of a, you know, look at your super more in-depth. Because at the end of the day, this is part of your income that goes into super. So when you get to retirement, you wanna enjoy those years, and that'll be your income and your money. Yeah. Yeah. Beautiful. So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments. I'll update the portfolio for you and make some recommendations there. We did kinda touch base that you're in that growth environment. I just wanted to sort of ask a couple of questions and do a risk profile questionnaire just to make sure that you're in the correct portfolio realistically. These are all multiple choice, very similar to what you have in to those over the past couple of years there. The first one here is, do you or have you owned any direct shares in your own name in the past at all? Nope. That's okay. Beautiful. The next one that I can answer. Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can? Or are you not really comfortable with taking risk in the market knowing the returns are lower? Where do you think you fit on that scale? Yep. Beautiful. The next one here is if you saw your super fall by, say, 20% in the next, say, six to twelve months with what was happening globally, how do you think you might feel and react? Do you think it maybe... See it as an investment opportunity, put some money in, and take advantage of the downtime? Are you a bit unsure, a bit cautious, and maybe call us and have a chat and see what's happening? Just hold and wait and see what happens going through that moment, or are you maybe a bit stressed out and wanting to sell that money... Sell your investments for cash? How do you think you might feel and react? Absolutely. Yep. Yep. Absolutely. Perfect. And I'll pop you down there. Excellent. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Do you consider that too risky without proper advice, or would you only borrow money for, say, buying a property? Yep. Beautiful. I think having a look here, it looks like one of your goals down the track was that you were wanting to purchase property. Is that right? Yeah. Yep. Beautiful. I'll just pop that down there for you. Beautiful. Excellent. So just sort of looking at that, and thank you so much for answering those questions, you have scored as a growth investor there. So that that sort of risk profile where you see 80% in those growth assets plus 20% in lower risk defensive investments like cash and bonds, it does suit your time horizon. Do you feel fairly comfortable staying in that environment? Do you have any more questions around that? Yep. Yep. Beautiful. Well, I'll make sure I keep you in that sort of profile. I'll go back and review everything. What we do is we update the advice, then I'll come back and speak to you. I'll show the advice document, what I'm recommending. We'll go through it together. You can ask any questions you have, and then you'll get to go back and have a read of that as well. It outlines the recommendations, the risks, the advantages, and the disadvantages. And it also notes the best interest duty, so how and why I'm making those recommendations and how it relates back to your goals. So it just takes a couple of weeks to get that sorted. And when I've got that document ready, we'll go through that together at a time, and you can review it. How does that sound? Yeah. That's not a problem at all. Beautiful. Now the next thing I just wanted to touch base on was your insurances. Now on the first page that I documented, that one's your life and TBD policy you have through Cal. This is paid out of your super fund. So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your life cover covers you for 464,814. And with life insurance, if you were to pass away, your super is also paid out to your beneficiaries. So just sort of thinking about your circumstances, I've got here that your... So your partner is Charlotte. Is that correct? Yeah. Not a problem. I can update that for you. Thank you so much for that. So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that. It's essentially giving you a lump sum benefit or two shall... Sorry, of $547,002.35. Do you feel like that's sufficient? Did you wanna sort of reevaluate that level of cover? How do you feel about that? That's okay? Yes. Absolutely. And when were you sort of... Do you have a plan on when you'd like to purchase property, or is it still just in the savings where you... Twelve to eighteen months. Perfect. Not a problem at all. Excellent. And then I've also got with your TPD. So TPD or total permanent disability can pay out a lump sum benefit or an income stream if you're never able to go back to work again. So you're permanently disabled, and the doctor is saying you're probably never gonna do your job again ever. You have the same level of cover. And under the rules of disability or incapacity, we can also look to access your super. So you realistically have the same level of cover that you're covered for. Are you fairly happy with that with TPD? Do you have more questions around that type of insurances? That's okay. Beautiful. Oh, beautiful. Yep. Yes. Correct. Yeah. Absolutely. Perfect. Excellent. Now you don't happen to have any other types of insurances like income protection or trauma. And then now having a look at your circumstances, so you're part owner in a business with your dad. Is that right? Yeah. Beautiful. So if in the event that you were unable to go to work in the short term, are you still able to collect income and get paid income to cover your bills and expenses, or do you feel like you would need some income protection to cover you? Yep. Oh, absolutely. Yeah. Absolutely. You can let me know anytime. We'll make time to come back and review that. You're not limited to just one review. I definitely wanna... Once we update the advice, maybe check-in a bit more regularly and see how things are going and give you updates on your super a bit more regularly as well. Yeah. Beautiful. There are other types of insurances like trauma. So trauma pays out like a lump sum benefit if you're diagnosed with a major traumatic condition. So think about things like cancer, heart attack, strokes, Parkinson's, or, you know, MS, big neurological conditions as well. Trauma, you can't... So there are types of insurances you can pay inside super, like your life, your TBD, your income protection, but trauma is one you have to pay out of your back pocket. You're not allowed to pay for that super, unfortunately. Did you wanna look at anything that's paid out of pocket, or you're happy just with what you've got? Yep. That's okay. Yeah. Absolutely. Most definitely. And another thing for you to look at, and I'm happy to send you another email just to kinda break it down, but you can, down the track, also look at getting insurances to protect your children. So you can have what's called child trauma, and that pays out a lump sum benefit if your child is diagnosed with a major traumatic condition or if they pass away as well. You can... It's also a bit of a life benefit. So down the track, if you wanted to, feel free to talk to your partner. If you did wanna revisit those other types of insurances or get more information, please let me know. I'm more than happy to have that conversation with you. Okay? That's alright. So we've kind of gone through... You're happy with the level of cover you have insurances. I'm gonna go back and review your super, which is fantastic. Inside those documents there, the last couple of documents are your child certificate of currency. It's also outlining... Sorry. It's also got your financial services guide, which outlines everything about who we are, what we do, and how we do it. Got some lovely glossy photos of me in there and my licensing number as well because I'm a licensed financial adviser. So you've got that there. You're welcome to look me up if you do need to. Okay. We've also got in there the tax file opt in form. So, essentially, we hold your tax file number because we opened your super account. We do have to hold that on file, but this document is outlining essentially how and why we hold that tax file number for you and just making sure that you're aware of the personal information we do hold. Okay? The last document attached is your ongoing service agreement. So over the past couple of years, we've had a ongoing service fee, which is 1.65%. This year, we've essentially made some changes and updated our ongoing service agreement. It does stay at 1.65% for your balance being under a hun... Under 200,000. However, it's now basically gonna be a fee... A tiered structure. So our ongoing service fee is gonna be calculated based on the amount of funds we manage for you. We use a tiered fee structure, so different rates apply depending on the level of funds under management. As an example, when your balance hits $202,100,000, up until that $200,000 mark, you pay 1.65. So your fee is the same as it always has been essentially now. Once your super balance hits 200,000, then you drop over into the next tier, and your... The tier drops down from 1.65% to one point three seven five. And then after that, we get to 500,000 and it drops down to the next tier again. So the idea is the the higher your super balance goes, the more it drops down into the next tier. Essentially, we used to cap our fee at 600,000. We no longer do that, but we do reduce the percentage that your ongoing service fee is for each tier that you drop down up until your balance hits about $2,000,000 there. So the idea is to kinda make sure our services, that we're getting paid for our services and looking after everything, but also making sure that the fee agreement works for you and that your super is growing. If at any point the fee doesn't work with your super, it's disadvantaging you, then I'll come forward and make sure I speak to our, our team and let them know, and we'll look to obviously turn that off and see what we can do to help you. But for the moment there, that's essentially how that works. And it essentially shows that this year, our ongoing service fee is expected to be $1,410.49 there. It's also now set as a set dollar figure fee, so you won't be charged any more than what's in that fee agreement, whereas it used to just be an estimated cost. And if your portfolio went up by, say, 20%, our fee went up with that 20%. Because it's now a set dollar figure fee, it's encompassing a 5% return. So it means that if your portfolio goes up by, you know, 20%, 15%, it doesn't make any difference on that fee. We will not charge you more than what is on that document there. Does that make sense? Mhmm. Yes. That is your total balance before any fees have come out. So it's the balance showing in hub twenty four currently. If you look at the second page, that performance with internal rate of return, the return we give you on the second page, that is after all fees have been deducted. So after all fees, you're still at 4.13%. Yeah. Yeah. Does that make sense? Do you have any questions? So you're welcome to let me know if you do. I will I will do everything I possibly can. Absolutely. We'll start by cleaning up your screen, updating the portfolio, then definitely go from there for you. How does that sound? Excellent. So just to kind of update a couple of additional details here. Now your income we had noted down last time was about 50,000. Has your income gone up, or is it still the same? Yeah. You're right. Oh, it's just sort of... It's about the expected contributions going in because, essentially, the way you... The business structure is, whilst you do own the business, you're also an employee of the business. So increases in your income show us how much is expected in the way of contributions, and that has an on flow effect for growth in your super as well. Yep. Beautiful. Excellent. And you're still making that $50 per week in salary sacrifice contributions there as well. Yeah. Are you wanting to look at maybe increasing that at all, or are you still happy just to keep it at $50 for the time being? Yeah. Yeah. Absolutely. Yeah. Definitely. And you... Are you managing to sort of put money away or have savings or excess cash at the end of the week, or are you finding everything's kinda going out to bills? How are you finding your expenditure? Yep. Yeah. No. That's okay. I think last year, we had down about 50 to $100 on a weekly basis. That was kind of left over after everything, including those savings, have been taken into account. Is that still fairly accurate, or do you think it might have decreased since then? About the same. Yeah. Beautiful. Yep. Lovely. And how much are you putting away each week or fortnight for your home deposit? Oh, beautiful. A week. Excellent. And how much do you have in savings at the moment total for that? 15,000? Yeah. Beautiful. Fantastic. Excellent. And other assets I had noted here was the part ownership in the business A and G Foods, which is owned fifty fifty split with your dad. Is that that still correct? Yes. Beautiful. I had the asset value of about 600,000. Would you keep that the same, or would you increase the value of the business of the company? Yep. Without the stock. Perfect. And then I also had it noted here that we had another another business ownership, I believe, called All Trans Investments. It's a 100% owned by your dad. Is that right? Okay. Patsy. Beautiful. And that's owned by your dad solely. Do you have any ownership in that business? Okay. Yes. That's okay. So I'll just put here a stakeholder. Do you do you know what your stakeholder percentage is? Sorry. Was that 20 or 40%? My apologies. Beautiful. Thank you for updating that. So sorry. And we had essentially the the estimated value of that business as well at 600,000. Would you keep it the same, or would you alter that? The same. Beautiful. Fantastic. Other assets I do like to note down are things like contents. It doesn't sound like much, but if you tipped your house upside down and everything fell out, all that is contents and it would cost you money to replace. Do you have contents insurance at all? Or... No. That's okay. Do you know roughly what you might value your contents at? Tough one, I know. Yep. Beautiful. 40,000. Beautiful. And is there any other assets or liabilities that I haven't noted down that you think are appropriate to note down? Yep. Beautiful. What's the car do you drive? That's okay. Not a problem at all. I'll just note that down here being under partner. Roughly, what value would that be? Yep. Fantastic. And any debt on that vehicle is owned outright? At 28,000? Beautiful. And the other thing I do like to note down as well is rent. Are you renting where you are currently living? Yep. How much rent are you paying on a regular basis? Seven 100. Is that per week? Yeah. Beautiful. Thank you for that. Lovely. And I'll make a note here that your goal is to purchase a home in the next sort of twelve to eighteen months there as well. Yep. Beautiful. Other things to update here, I've got down here that you had one one dependent. So one child, one son there. Do you still only have the one child? Yeah. Beautiful. Lovely. How old is he? Oh, wow. Yes. Next month. Beautiful. That's in... That's incredible. It goes fast. I've got a 21 year old, a 20 year old, and a 10 year old, so it goes very quickly. Absolutely. No. Perfect. The other thing I'm just looking at here is your beneficiary nominations as well. So I'm sort of having a look, and I can note that on your super and your insurances, we don't seem to have a beneficiary nomination. It is definitely something I wanna make sure we have updated for you. Essentially, a beneficiary nomination on your super and your life insurance directs what you want to happen to those funds if you were to pass away. So by not having a nomination there... Sure. You're right. Yeah. Oh. Yeah. Oh. Yeah. No. That's not good. I'm so sorry if that's okay. So I'll definitely go back and have a look. I'm just pulling up the file now to see if I can find a nomination having been filled out. Let's have a look. Okay. Yes. Yeah. Absolutely. What I can do is I will make sure it gets done and filled out, and I'll send it to you. That way, it can be all signed and witnessed. Just double checking. Can... Would you like me to pre fill the form for you just to make it easier? Yeah. Beautiful. And just to confirm, I spell your partner's name as s a l o t e. Is that right? Beautiful. And surname, I believe, is Smith? Lovely. All good. I've got... I don't have her date of birth. Can you give me her date of birth as well? Yep. Beautiful. What I'll do for you is I'll pre fill the form, and then we'll get my team to send it out to you. I'll make sure they cc me into the email so we can see it going back and forth. It just needs to be printed out, signed, and witnessed by two witnesses. One of those can't be your partner. So there's two people over the age of 18, one that's not the beneficiary that can witness the document with you. And then if you scan and send it back to me, I'll make sure it's applied, and I'll confirm once it's been applied for you as well. Okay? Oh, I'm so sorry. Yeah. No. No. Definitely not okay. I'm so sorry that that happened. I'll make sure I follow that through for you. I do apologize for that, Sandy, but don't want that to be the case. Those those definitely need to be actioned for you straight away. So I'll get that for the hub 24 and the towel policy so we can have everything updated for you. Okay? Yes. Yeah. Absolutely. It's not a silly question at all. What I tend to sort of say to clients is keep our phone number somewhere. So just make sure she knows that we're your financial advisers and maybe have our phone number somewhere. I can even send you just, like, a fridge magnet or something on my card that has our contact details there. So... Or if you were to pass away, she just need to give us a call. Let us know. We would then start the claims process with the insurer and your super funds, and sort of make sure that we're helping along to get all of that sorted for for her so it's as as streamlined as absolutely possible. But, yeah, she just needs to contact us in the event that something was to happen to you. Okay? Yes. Mhmm. Oh, absolutely. As part of increasing that, they... I tend to do a new pre assessment with you just to sort of understand what your health looks like and if there's been any changes since your original application. I then go out to the market and I look at your current insurer as well as the others out there to see how we can increase the cover in a cost effective way, what that looks like. We update the advice to show our recommendations on what we're recommending and how you increase the cover. And because it's paid out of super currently, we also then factor into the super to a limited extent just to show you what the premiums, you know, the expectation of premiums can do to your super projection over time. And then you just go to a new application. If there's no major changes, as part of the advice, we let you know what we expect to come out of the application process. You do just have to go to a new application with the Instruqt for the increase or for, you know, altering the color. But once that's done, it goes into place, and we'll kinda go through all that with you and hold your hand along the way so you understand what we're doing, how we're doing it, what we're up to, and then we keep in contact with the insurer as well. But the first step is really when you decide you wanna increase the cover, we look at what you wanna increase it to, what you want to be covered for, what your goal is. Then we'll go forward to your pre assessment. We'll go out to the market and look at what the options are. We'll come back with a recommendation. We'll go through that together, and then we'll let you decide whether you're happy to take that or not. Does that sound... Does that make sense? Mhmm. Okay. Absolutely. Yeah. Absolutely. And as soon as you know you're ready to purchase a home or you're you're looking at them, feel free to let me know. We can talk about that. We can get the insurance in place prior to your purchasing the home so you got the cover. Or if you wanna hold off till after, that's absolutely fine. You let me know when you're ready, and we'll make sure we have that conversation. Moving forward, I'll update the advice and get that out to you so we can go through that with your super. But moving forward, I do wanna make sure that catch ups are being done a bit more regularly with you to help you understand what's happening with your super and give you more regular updates as well. Did you wanna sort of see those every six months to begin with, or what's your preference? Yeah. Beautiful. And if you need anything in the meantime, you can always give me a buzz. Let me know you need another conversation or update or you have additional questions. You're not limited to just the time frames. You can call me at any time, day or night, and we'll make sure we fit you in to be able to answer any questions you have or give you an update or, you know, reassess the advice whenever you need as well there. Okay? That's okay. The only other thing to sort of touch base on here is your... The other side of the estate planning is doing up a will and power of attorneys. Have you guys spoken about doing those in the past at all? Yep. No. That's okay. It is definitely really important to do so. We are not solicitors or lawyers, so we're not able to set them up for you. But we could also refer you through to a solicitor if you like. If you wanted to, I could send you through some information on costing of how much it can generally cost to set up a dual wheel just to kinda give you a bit of a guide and start that conversation. Would you like that information sent through? Yeah. Absolutely. Can. Yeah. Not a problem at all. I'll get that emailed up for you there, Sandy. Not a problem at all. Easy. The only other thing to sort of look at is just sort of reassessing goals and things for you. So just going back to your annual review last year, one of the goals you had in the next sort of five years was to focus on your priority of continually growing the business and the potential to include property purchase down the track. We've sort of got the property down here as well. But does that still sound appropriate? Is the business still, you know, trying to get that growing still a priority for you and your goals? Yep. Fantastic. Yep. Beautiful. Fantastic. And I've also got down here travel. In addition to that, you also want to travel a little bit more with your young family. I believe here it looks like you were hoping to travel last year. Did you have any holidays last year? Oh, nice. Oh, fantastic. And Thailand next month. Lovely. Well, I'll definitely keep those goals on here for you. I've also got down here just with your super. You were hoping to originally look at accessing super around about age 67. I know you've got a lot of time ahead of you before that, but is that still your goal, age, to be able to maybe stop working fully in access super, or what's your plan, or what's your goal? I can give you some good news. You can actually start working at the age of 60 and fully retire. You don't have to wait till 67. So you can choose 60 if you'd like to be able to retire earlier. Alternatively, 65, regardless of whether you're working or not, your super becomes fully accessible at that point as well. Mhmm. Yeah. Yeah. No. Absolutely not. If you like, I can put 60 as your goal. We'll work on that for you, try to build things as much as possible towards that point. And then it gives you the option. At 60, you can decide to keep working longer or you can choose to retire. It's completely up to you. I will make it work no matter what you're after. Beautiful. An income in retirement, I had noted here about a thousand dollars a week was for comfort. Is that still fairly accurate? Yep. Beautiful. Fantastic. I know I could change... Absolutely. I could definitely change. With the business, now I just sort of wanted to get a gauge on how that... You know, what you expect or want to happen to that down the track there. So with A and G Foods, are you sort of hoping to keep that growing and, you know, keep income through retirement and still keep that, like, going to supplement super? Or what's the plan with the business down the track? Have you guys discussed what'll happen with that? Yeah. You are very young. Yes. Okay. Yes. Yeah. Absolutely. No. Perfect. Fantastic. Well, I'll work on your super now. We'll get things a little bit cleaned up and update your portfolio, then we'll kinda go from there. And we'll keep building on all of that and work towards your goals. And if you ever have questions, let me know. How does that sound, Sandeep? No. That's okay. Thank you so much for calling me back and going through that. I really appreciate the time to reassess things with you. I'll... If it's okay, am I able to book you in now to go through your advice document in a couple of weeks? Is that okay? Beautiful. It takes about three weeks to do so. So I'm looking at the week of the October 26. Is normally... Is there a certain day or time that suits you the best normally? Mhmm. Yeah. No. That's... No. You didn't mock me around at all. You are busy, and you've got children. Please don't ever think that. Now you're in New South Wales, so you're an hour ahead of me. So 02:30 your time is 01:30 my time. If I was to pop it in there for, say, Wednesday, October 28, I could do from 02:30 New South Wales time. Would that be okay? Beautiful. And I'll add a little text message reminder there for you so it does send you a message. If anything comes up, you're welcome to let me know. If you get to the day and you can't take the call, that's fine. I'll call you, and I'll send you a text message. And you can just let me know if it's not suitable, and we can reschedule. Okay. My pleasure. Thank you so much, Sandy. You have a lovely afternoon, and I'll get working on all of this research for you. And I'll get those emails out to you as well and your beneficiaries there. My pleasure. Not a problem. You have a good afternoon. Enjoy time with the kids. He sounds like he's ready. See you 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Sandeep. Is that... So sorry. No. That's okay.\n\nI'm doing the same thing. So I turned my mobile on with our phone app, so I'm hoping that that might make it a bit easier for you. All good. Yeah. All good.\n\nSo just double checking. Now we... We're looking at that Vanguard index chart, which is the next document along. Is that the one that you can see there? Yeah.\n\nSo with that one there, if you look on this side on on mine, it's the right hand side, you'll see The US shares, Australian shares, international shares, and listed property. Can you see those investments added there? Yeah. So those are essentially what we call growth assets. In your growth portfolio, you've got about 80% invested in these sorts of investments.\n\nAnd the idea is these are the ones that get great growth or get the best returns over longer term there. If you sort of, as an example, take The US shares, this document shows that investing $10,000 back in 1996 and letting that fit in the investment over time, you know, re... Reinvesting any growth and income that's been distributed, it would have turned $10,000 into over 218,000. So it's giving you an annual compound of return of 10.8%. And that's why these investments get better long term growth and returns, but they also see the ups and downs that can make us quite nervous.\n\nLike, sitting in that over the last thirty years, you've gone through some big ups and downs in the market there. Does that make sense? Yeah. Yeah. Yeah.\n\nSo what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds. And you can sort of see those bonds underneath that. That's the defensive investment, so it's lower risk. It's expected to get a lower rate of return, but you wanna have some sort of investments of these in there because when, say, equities aren't doing so well, these investments tend to smooth out market returns. They have a very steady kind of track record.\n\nAnd you can see 10,000 in bonds over the last thirty years has averaged 5.2%, so it's only turned it into $45,000 there. And that's because it gets a lower rate of return, but it doesn't see the ups and downs or what we call volatility very much. It doesn't go through that drastic up and down kind of feeling. So because you're younger, we wanna be able to take... Or you're able to take a bit more risk in the market, have more of these growth investments in your portfolio and less of these defensive investments.\n\nBut as you get older and closer to accessing your super, that's when you start to feel a bit more nervous. And when you're roughly about six years away from accessing super, then we start to decrease the exposure into these growth assets and increase the exposure into those defensive lower risk investments. Does that make sense? Yeah. Yeah.\n\nSo with that growth environment you're in at the moment, it suits someone who has at least six years before accessing their super. The likelihood of a negative return because we understand with the ups and downs, the risk of a negative return is around about one in every five odd years, and you're looking to try and average around about a seven to 9% return on a yearly basis and compounding that over time with the volatility, the... You know, with the ups and downs the market can see with that seven to 9%, essentially, some years you'll get a much greater return. It might be ten, eleven, 20% return, whereas other years it might be lower like this year where it's a 4% return. And we just wanna kinda keep reviewing that, take advantage of the down times, and, yeah, enjoy the good times.\n\nAnd over the next, you know, twenty odd years, keep your super compounding working forward. So it's also important to update those investments every so often as well because a portfolio that was good a couple of years ago might need to be rejigged or just updated now. And then and then in the future, we update portfolios again. Does that make sense? Yeah.\n\nBeautiful. Do you have more questions there? You're welcome to let me know if you do. Yeah. Yeah.\n\nMhmm. It's not at the moment. So they used to have ways in which you could open a cell phone. It's super fun to do so, but you can't own the house and live in the house, essentially. With the way your super is at the moment, you can't technically access it to purchase a home.\n\nThe only way at the moment is if you're a first home buyer, you can look to contribute more to super and utilize first home super saver scheme where you put more money into super by way of contributions similar to your employer contributions. You build that up to a certain extent, and then you can draw some of that money out to help you with the deposit. Yeah. Yeah. Yes.\n\nYeah. Absolutely. Definitely worth doing. So that $50 per week now compounds really well over time. So one of the things I like to look at, if you think about putting, you know, $20 in and then you get a 100% return, that $20 turns to $40 and then $60.\n\nBy starting that now and compounding that over the next twenty odd years, you end up with a much greater effect. Sure. Yeah. You're right. That's absolutely fine.\n\nThat's not a problem at all. Is all go... All okay? Oh, testing your patience. No.\n\nAll good. All good. Yeah. Sorry. So, yeah, no compounding that over the longer term is definitely worthwhile.\n\nStarting those contributions at a smaller amount now and building them up over time has a much greater effect rather than starting them later down the track and having less time for the money invested. So it definitely is worth doing. Yeah. Yeah. Definitely.\n\nDoes there... Is there any other questions that have come out of any of that? You're welcome to let me know if you need me to break things down further for you. Absolutely happy to help. Yeah.\n\nYeah. Absolutely. Yeah. Perfect. And, look, I did send you an email before, so you're welcome to email me back at any point if you have more questions.\n\nI'm more than happy to answer them and help you and break it down. It's not a problem at all. It's actually really good that you wanna take more of a, you know, look at your super more in-depth. Because at the end of the day, this is part of your income that goes into super. So when you get to retirement, you wanna enjoy those years, and that'll be your income and your money.\n\nYeah. Yeah. Beautiful. So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments. I'll update the portfolio for you and make some recommendations there.\n\nWe did kinda touch base that you're in that growth environment. I just wanted to sort of ask a couple of questions and do a risk profile questionnaire just to make sure that you're in the correct portfolio realistically. These are all multiple choice, very similar to what you have in to those over the past couple of years there. The first one here is, do you or have you owned any direct shares in your own name in the past at all? Nope.\n\nThat's okay. Beautiful. The next one that I can answer. Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can?\n\nOr are you not really comfortable with taking risk in the market knowing the returns are lower? Where do you think you fit on that scale? Yep. Beautiful. The next one here is if you saw your super fall by, say, 20% in the next, say, six to twelve months with what was happening globally, how do you think you might feel and react?\n\nDo you think it maybe... See it as an investment opportunity, put some money in, and take advantage of the downtime? Are you a bit unsure, a bit cautious, and maybe call us and have a chat and see what's happening? Just hold and wait and see what happens going through that moment, or are you maybe a bit stressed out and wanting to sell that money... Sell your investments for cash?\n\nHow do you think you might feel and react? Absolutely. Yep. Yep. Absolutely.\n\nPerfect. And I'll pop you down there. Excellent. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Do you consider that too risky without proper advice, or would you only borrow money for, say, buying a property?\n\nYep. Beautiful. I think having a look here, it looks like one of your goals down the track was that you were wanting to purchase property. Is that right? Yeah.\n\nYep. Beautiful. I'll just pop that down there for you. Beautiful. Excellent.\n\nSo just sort of looking at that, and thank you so much for answering those questions, you have scored as a growth investor there. So that that sort of risk profile where you see 80% in those growth assets plus 20% in lower risk defensive investments like cash and bonds, it does suit your time horizon. Do you feel fairly comfortable staying in that environment? Do you have any more questions around that? Yep.\n\nYep. Beautiful. Well, I'll make sure I keep you in that sort of profile. I'll go back and review everything. What we do is we update the advice, then I'll come back and speak to you.\n\nI'll show the advice document, what I'm recommending. We'll go through it together. You can ask any questions you have, and then you'll get to go back and have a read of that as well. It outlines the recommendations, the risks, the advantages, and the disadvantages. And it also notes the best interest duty, so how and why I'm making those recommendations and how it relates back to your goals.\n\nSo it just takes a couple of weeks to get that sorted. And when I've got that document ready, we'll go through that together at a time, and you can review it. How does that sound? Yeah. That's not a problem at all.\n\nBeautiful. Now the next thing I just wanted to touch base on was your insurances. Now on the first page that I documented, that one's your life and TBD policy you have through Cal. This is paid out of your super fund. So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your life cover covers you for 464,814.\n\nAnd with life insurance, if you were to pass away, your super is also paid out to your beneficiaries. So just sort of thinking about your circumstances, I've got here that your... So your partner is Charlotte. Is that correct? Yeah.\n\nNot a problem. I can update that for you. Thank you so much for that. So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that. It's essentially giving you a lump sum benefit or two shall...\n\nSorry, of $547,002.35. Do you feel like that's sufficient? Did you wanna sort of reevaluate that level of cover? How do you feel about that? That's okay?\n\nYes. Absolutely. And when were you sort of... Do you have a plan on when you'd like to purchase property, or is it still just in the savings where you... Twelve to eighteen months.\n\nPerfect. Not a problem at all. Excellent. And then I've also got with your TPD. So TPD or total permanent disability can pay out a lump sum benefit or an income stream if you're never able to go back to work again.\n\nSo you're permanently disabled, and the doctor is saying you're probably never gonna do your job again ever. You have the same level of cover. And under the rules of disability or incapacity, we can also look to access your super. So you realistically have the same level of cover that you're covered for. Are you fairly happy with that with TPD?\n\nDo you have more questions around that type of insurances? That's okay. Beautiful. Oh, beautiful. Yep.\n\nYes. Correct. Yeah. Absolutely. Perfect.\n\nExcellent. Now you don't happen to have any other types of insurances like income protection or trauma. And then now having a look at your circumstances, so you're part owner in a business with your dad. Is that right? Yeah.\n\nBeautiful. So if in the event that you were unable to go to work in the short term, are you still able to collect income and get paid income to cover your bills and expenses, or do you feel like you would need some income protection to cover you? Yep. Oh, absolutely. Yeah.\n\nAbsolutely. You can let me know anytime. We'll make time to come back and review that. You're not limited to just one review. I definitely wanna...\n\nOnce we update the advice, maybe check-in a bit more regularly and see how things are going and give you updates on your super a bit more regularly as well. Yeah. Beautiful. There are other types of insurances like trauma. So trauma pays out like a lump sum benefit if you're diagnosed with a major traumatic condition.\n\nSo think about things like cancer, heart attack, strokes, Parkinson's, or, you know, MS, big neurological conditions as well. Trauma, you can't... So there are types of insurances you can pay inside super, like your life, your TBD, your income protection, but trauma is one you have to pay out of your back pocket. You're not allowed to pay for that super, unfortunately. Did you wanna look at anything that's paid out of pocket, or you're happy just with what you've got?\n\nYep. That's okay. Yeah. Absolutely. Most definitely.\n\nAnd another thing for you to look at, and I'm happy to send you another email just to kinda break it down, but you can, down the track, also look at getting insurances to protect your children. So you can have what's called child trauma, and that pays out a lump sum benefit if your child is diagnosed with a major traumatic condition or if they pass away as well. You can... It's also a bit of a life benefit. So down the track, if you wanted to, feel free to talk to your partner.\n\nIf you did wanna revisit those other types of insurances or get more information, please let me know. I'm more than happy to have that conversation with you. Okay? That's alright. So we've kind of gone through...\n\nYou're happy with the level of cover you have insurances. I'm gonna go back and review your super, which is fantastic. Inside those documents there, the last couple of documents are your child certificate of currency. It's also outlining... Sorry.\n\nIt's also got your financial services guide, which outlines everything about who we are, what we do, and how we do it. Got some lovely glossy photos of me in there and my licensing number as well because I'm a licensed financial adviser. So you've got that there. You're welcome to look me up if you do need to. Okay.\n\nWe've also got in there the tax file opt in form. So, essentially, we hold your tax file number because we opened your super account. We do have to hold that on file, but this document is outlining essentially how and why we hold that tax file number for you and just making sure that you're aware of the personal information we do hold. Okay? The last document attached is your ongoing service agreement.\n\nSo over the past couple of years, we've had a ongoing service fee, which is 1.65%. This year, we've essentially made some changes and updated our ongoing service agreement. It does stay at 1.65% for your balance being under a hun... Under 200,000. However, it's now basically gonna be a fee...\n\nA tiered structure. So our ongoing service fee is gonna be calculated based on the amount of funds we manage for you. We use a tiered fee structure, so different rates apply depending on the level of funds under management. As an example, when your balance hits $202,100,000, up until that $200,000 mark, you pay 1.65. So your fee is the same as it always has been essentially now.\n\nOnce your super balance hits 200,000, then you drop over into the next tier, and your... The tier drops down from 1.65% to one point three seven five. And then after that, we get to 500,000 and it drops down to the next tier again. So the idea is the the higher your super balance goes, the more it drops down into the next tier. Essentially, we used to cap our fee at 600,000.\n\nWe no longer do that, but we do reduce the percentage that your ongoing service fee is for each tier that you drop down up until your balance hits about $2,000,000 there. So the idea is to kinda make sure our services, that we're getting paid for our services and looking after everything, but also making sure that the fee agreement works for you and that your super is growing. If at any point the fee doesn't work with your super, it's disadvantaging you, then I'll come forward and make sure I speak to our, our team and let them know, and we'll look to obviously turn that off and see what we can do to help you. But for the moment there, that's essentially how that works. And it essentially shows that this year, our ongoing service fee is expected to be $1,410.49 there.\n\nIt's also now set as a set dollar figure fee, so you won't be charged any more than what's in that fee agreement, whereas it used to just be an estimated cost. And if your portfolio went up by, say, 20%, our fee went up with that 20%. Because it's now a set dollar figure fee, it's encompassing a 5% return. So it means that if your portfolio goes up by, you know, 20%, 15%, it doesn't make any difference on that fee. We will not charge you more than what is on that document there.\n\nDoes that make sense? Mhmm. Yes. That is your total balance before any fees have come out. So it's the balance showing in hub twenty four currently.\n\nIf you look at the second page, that performance with internal rate of return, the return we give you on the second page, that is after all fees have been deducted. So after all fees, you're still at 4.13%. Yeah. Yeah. Does that make sense?\n\nDo you have any questions? So you're welcome to let me know if you do. I will I will do everything I possibly can. Absolutely. We'll start by cleaning up your screen, updating the portfolio, then definitely go from there for you.\n\nHow does that sound? Excellent. So just to kind of update a couple of additional details here. Now your income we had noted down last time was about 50,000. Has your income gone up, or is it still the same?\n\nYeah. You're right. Oh, it's just sort of... It's about the expected contributions going in because, essentially, the way you... The business structure is, whilst you do own the business, you're also an employee of the business.\n\nSo increases in your income show us how much is expected in the way of contributions, and that has an on flow effect for growth in your super as well. Yep. Beautiful. Excellent. And you're still making that $50 per week in salary sacrifice contributions there as well.\n\nYeah. Are you wanting to look at maybe increasing that at all, or are you still happy just to keep it at $50 for the time being? Yeah. Yeah. Absolutely.\n\nYeah. Definitely. And you... Are you managing to sort of put money away or have savings or excess cash at the end of the week, or are you finding everything's kinda going out to bills? How are you finding your expenditure?\n\nYep. Yeah. No. That's okay. I think last year, we had down about 50 to $100 on a weekly basis.\n\nThat was kind of left over after everything, including those savings, have been taken into account. Is that still fairly accurate, or do you think it might have decreased since then? About the same. Yeah. Beautiful.\n\nYep. Lovely. And how much are you putting away each week or fortnight for your home deposit? Oh, beautiful. A week.\n\nExcellent. And how much do you have in savings at the moment total for that? 15,000? Yeah. Beautiful.\n\nFantastic. Excellent. And other assets I had noted here was the part ownership in the business A and G Foods, which is owned fifty fifty split with your dad. Is that that still correct? Yes.\n\nBeautiful. I had the asset value of about 600,000. Would you keep that the same, or would you increase the value of the business of the company? Yep. Without the stock.\n\nPerfect. And then I also had it noted here that we had another another business ownership, I believe, called All Trans Investments. It's a 100% owned by your dad. Is that right? Okay.\n\nPatsy. Beautiful. And that's owned by your dad solely. Do you have any ownership in that business? Okay.\n\nYes. That's okay. So I'll just put here a stakeholder. Do you do you know what your stakeholder percentage is? Sorry.\n\nWas that 20 or 40%? My apologies. Beautiful. Thank you for updating that. So sorry.\n\nAnd we had essentially the the estimated value of that business as well at 600,000. Would you keep it the same, or would you alter that? The same. Beautiful. Fantastic.\n\nOther assets I do like to note down are things like contents. It doesn't sound like much, but if you tipped your house upside down and everything fell out, all that is contents and it would cost you money to replace. Do you have contents insurance at all? Or... No.\n\nThat's okay. Do you know roughly what you might value your contents at? Tough one, I know. Yep. Beautiful.\n\n40,000. Beautiful. And is there any other assets or liabilities that I haven't noted down that you think are appropriate to note down? Yep. Beautiful.\n\nWhat's the car do you drive? That's okay. Not a problem at all. I'll just note that down here being under partner. Roughly, what value would that be?\n\nYep. Fantastic. And any debt on that vehicle is owned outright? At 28,000? Beautiful.\n\nAnd the other thing I do like to note down as well is rent. Are you renting where you are currently living? Yep. How much rent are you paying on a regular basis? Seven 100.\n\nIs that per week? Yeah. Beautiful. Thank you for that. Lovely.\n\nAnd I'll make a note here that your goal is to purchase a home in the next sort of twelve to eighteen months there as well. Yep. Beautiful. Other things to update here, I've got down here that you had one one dependent. So one child, one son there.\n\nDo you still only have the one child? Yeah. Beautiful. Lovely. How old is he?\n\nOh, wow. Yes. Next month. Beautiful. That's in...\n\nThat's incredible. It goes fast. I've got a 21 year old, a 20 year old, and a 10 year old, so it goes very quickly. Absolutely. No.\n\nPerfect. The other thing I'm just looking at here is your beneficiary nominations as well. So I'm sort of having a look, and I can note that on your super and your insurances, we don't seem to have a beneficiary nomination. It is definitely something I wanna make sure we have updated for you. Essentially, a beneficiary nomination on your super and your life insurance directs what you want to happen to those funds if you were to pass away.\n\nSo by not having a nomination there... Sure. You're right. Yeah. Oh.\n\nYeah. Oh. Yeah. No. That's not good.\n\nI'm so sorry if that's okay. So I'll definitely go back and have a look. I'm just pulling up the file now to see if I can find a nomination having been filled out. Let's have a look. Okay.\n\nYes. Yeah. Absolutely. What I can do is I will make sure it gets done and filled out, and I'll send it to you. That way, it can be all signed and witnessed.\n\nJust double checking. Can... Would you like me to pre fill the form for you just to make it easier? Yeah. Beautiful.\n\nAnd just to confirm, I spell your partner's name as s a l o t e. Is that right? Beautiful. And surname, I believe, is Smith? Lovely.\n\nAll good. I've got... I don't have her date of birth. Can you give me her date of birth as well? Yep.\n\nBeautiful. What I'll do for you is I'll pre fill the form, and then we'll get my team to send it out to you. I'll make sure they cc me into the email so we can see it going back and forth. It just needs to be printed out, signed, and witnessed by two witnesses. One of those can't be your partner.\n\nSo there's two people over the age of 18, one that's not the beneficiary that can witness the document with you. And then if you scan and send it back to me, I'll make sure it's applied, and I'll confirm once it's been applied for you as well. Okay? Oh, I'm so sorry. Yeah.\n\nNo. No. Definitely not okay. I'm so sorry that that happened. I'll make sure I follow that through for you.\n\nI do apologize for that, Sandy, but don't want that to be the case. Those those definitely need to be actioned for you straight away. So I'll get that for the hub 24 and the towel policy so we can have everything updated for you. Okay? Yes.\n\nYeah. Absolutely. It's not a silly question at all. What I tend to sort of say to clients is keep our phone number somewhere. So just make sure she knows that we're your financial advisers and maybe have our phone number somewhere.\n\nI can even send you just, like, a fridge magnet or something on my card that has our contact details there. So... Or if you were to pass away, she just need to give us a call. Let us know. We would then start the claims process with the insurer and your super funds, and sort of make sure that we're helping along to get all of that sorted for for her so it's as as streamlined as absolutely possible.\n\nBut, yeah, she just needs to contact us in the event that something was to happen to you. Okay? Yes. Mhmm. Oh, absolutely.\n\nAs part of increasing that, they... I tend to do a new pre assessment with you just to sort of understand what your health looks like and if there's been any changes since your original application. I then go out to the market and I look at your current insurer as well as the others out there to see how we can increase the cover in a cost effective way, what that looks like. We update the advice to show our recommendations on what we're recommending and how you increase the cover. And because it's paid out of super currently, we also then factor into the super to a limited extent just to show you what the premiums, you know, the expectation of premiums can do to your super projection over time.\n\nAnd then you just go to a new application. If there's no major changes, as part of the advice, we let you know what we expect to come out of the application process. You do just have to go to a new application with the Instruqt for the increase or for, you know, altering the color. But once that's done, it goes into place, and we'll kinda go through all that with you and hold your hand along the way so you understand what we're doing, how we're doing it, what we're up to, and then we keep in contact with the insurer as well. But the first step is really when you decide you wanna increase the cover, we look at what you wanna increase it to, what you want to be covered for, what your goal is.\n\nThen we'll go forward to your pre assessment. We'll go out to the market and look at what the options are. We'll come back with a recommendation. We'll go through that together, and then we'll let you decide whether you're happy to take that or not. Does that sound...\n\nDoes that make sense? Mhmm. Okay. Absolutely. Yeah.\n\nAbsolutely. And as soon as you know you're ready to purchase a home or you're you're looking at them, feel free to let me know. We can talk about that. We can get the insurance in place prior to your purchasing the home so you got the cover. Or if you wanna hold off till after, that's absolutely fine.\n\nYou let me know when you're ready, and we'll make sure we have that conversation. Moving forward, I'll update the advice and get that out to you so we can go through that with your super. But moving forward, I do wanna make sure that catch ups are being done a bit more regularly with you to help you understand what's happening with your super and give you more regular updates as well. Did you wanna sort of see those every six months to begin with, or what's your preference? Yeah.\n\nBeautiful. And if you need anything in the meantime, you can always give me a buzz. Let me know you need another conversation or update or you have additional questions. You're not limited to just the time frames. You can call me at any time, day or night, and we'll make sure we fit you in to be able to answer any questions you have or give you an update or, you know, reassess the advice whenever you need as well there.\n\nOkay? That's okay. The only other thing to sort of touch base on here is your... The other side of the estate planning is doing up a will and power of attorneys. Have you guys spoken about doing those in the past at all?\n\nYep. No. That's okay. It is definitely really important to do so. We are not solicitors or lawyers, so we're not able to set them up for you.\n\nBut we could also refer you through to a solicitor if you like. If you wanted to, I could send you through some information on costing of how much it can generally cost to set up a dual wheel just to kinda give you a bit of a guide and start that conversation. Would you like that information sent through? Yeah. Absolutely.\n\nCan. Yeah. Not a problem at all. I'll get that emailed up for you there, Sandy. Not a problem at all.\n\nEasy. The only other thing to sort of look at is just sort of reassessing goals and things for you. So just going back to your annual review last year, one of the goals you had in the next sort of five years was to focus on your priority of continually growing the business and the potential to include property purchase down the track. We've sort of got the property down here as well. But does that still sound appropriate?\n\nIs the business still, you know, trying to get that growing still a priority for you and your goals? Yep. Fantastic. Yep. Beautiful.\n\nFantastic. And I've also got down here travel. In addition to that, you also want to travel a little bit more with your young family. I believe here it looks like you were hoping to travel last year. Did you have any holidays last year?\n\nOh, nice. Oh, fantastic. And Thailand next month. Lovely. Well, I'll definitely keep those goals on here for you.\n\nI've also got down here just with your super. You were hoping to originally look at accessing super around about age 67. I know you've got a lot of time ahead of you before that, but is that still your goal, age, to be able to maybe stop working fully in access super, or what's your plan, or what's your goal? I can give you some good news. You can actually start working at the age of 60 and fully retire.\n\nYou don't have to wait till 67. So you can choose 60 if you'd like to be able to retire earlier. Alternatively, 65, regardless of whether you're working or not, your super becomes fully accessible at that point as well. Mhmm. Yeah.\n\nYeah. No. Absolutely not. If you like, I can put 60 as your goal. We'll work on that for you, try to build things as much as possible towards that point.\n\nAnd then it gives you the option. At 60, you can decide to keep working longer or you can choose to retire. It's completely up to you. I will make it work no matter what you're after. Beautiful.\n\nAn income in retirement, I had noted here about a thousand dollars a week was for comfort. Is that still fairly accurate? Yep. Beautiful. Fantastic.\n\nI know I could change... Absolutely. I could definitely change. With the business, now I just sort of wanted to get a gauge on how that... You know, what you expect or want to happen to that down the track there.\n\nSo with A and G Foods, are you sort of hoping to keep that growing and, you know, keep income through retirement and still keep that, like, going to supplement super? Or what's the plan with the business down the track? Have you guys discussed what'll happen with that? Yeah. You are very young.\n\nYes. Okay. Yes. Yeah. Absolutely.\n\nNo. Perfect. Fantastic. Well, I'll work on your super now. We'll get things a little bit cleaned up and update your portfolio, then we'll kinda go from there.\n\nAnd we'll keep building on all of that and work towards your goals. And if you ever have questions, let me know. How does that sound, Sandeep? No. That's okay.\n\nThank you so much for calling me back and going through that. I really appreciate the time to reassess things with you. I'll... If it's okay, am I able to book you in now to go through your advice document in a couple of weeks? Is that okay?\n\nBeautiful. It takes about three weeks to do so. So I'm looking at the week of the October 26. Is normally... Is there a certain day or time that suits you the best normally?\n\nMhmm. Yeah. No. That's... No.\n\nYou didn't mock me around at all. You are busy, and you've got children. Please don't ever think that. Now you're in New South Wales, so you're an hour ahead of me. So 02:30 your time is 01:30 my time.\n\nIf I was to pop it in there for, say, Wednesday, October 28, I could do from 02:30 New South Wales time. Would that be okay? Beautiful. And I'll add a little text message reminder there for you so it does send you a message. If anything comes up, you're welcome to let me know.\n\nIf you get to the day and you can't take the call, that's fine. I'll call you, and I'll send you a text message. And you can just let me know if it's not suitable, and we can reschedule. Okay. My pleasure.\n\nThank you so much, Sandy. You have a lovely afternoon, and I'll get working on all of this research for you. And I'll get those emails out to you as well and your beneficiaries there. My pleasure. Not a problem.\n\nYou have a good afternoon. Enjoy time with the kids. He sounds like he's ready. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Sandeep.","start":2.6399999,"end":3.52,"sentiment":"neutral","sentiment_score":0.06025853008031845},{"text":"Is that...","start":3.52,"end":4.18,"sentiment":"neutral","sentiment_score":0.02442301157861948},{"text":"So sorry.","start":4.64,"end":5.22,"sentiment":"neutral","sentiment_score":-0.1036796122789383},{"text":"No.","start":14.105,"end":14.264999,"sentiment":"neutral","sentiment_score":-0.08349785208702087},{"text":"That's okay.","start":14.264999,"end":14.905,"sentiment":"neutral","sentiment_score":0.0035687992349267006}],"sentiment":"neutral","sentiment_score":-0.012706266095240911,"num_words":9,"start":2.6399999,"end":14.905},{"sentences":[{"text":"I'm doing the same thing.","start":14.905,"end":15.865,"sentiment":"neutral","sentiment_score":0.14645265638828278},{"text":"So I turned my mobile on with our phone app, so I'm hoping that that might make it a bit easier for you.","start":15.865,"end":22.045,"sentiment":"neutral","sentiment_score":0.1936434018223182},{"text":"All good.","start":22.505,"end":23.164999,"sentiment":"positive","sentiment_score":0.4867042899131775},{"text":"Yeah.","start":24.265,"end":24.765,"sentiment":"neutral","sentiment_score":0.26132187247276306},{"text":"All good.","start":24.904999,"end":25.645,"sentiment":"positive","sentiment_score":0.3537694066762924}],"sentiment":"neutral","sentiment_score":0.21601002392443744,"num_words":33,"start":14.905,"end":25.645},{"sentences":[{"text":"So just double checking.","start":25.865,"end":27.224998,"sentiment":"neutral","sentiment_score":0.12646184116601944},{"text":"Now we...","start":27.224998,"end":27.785,"sentiment":"neutral","sentiment_score":0.037584664300084114},{"text":"We're looking at that Vanguard index chart, which is the next document along.","start":27.785,"end":31.34,"sentiment":"neutral","sentiment_score":0.05789219100887959},{"text":"Is that the one that you can see there?","start":31.34,"end":33.12,"sentiment":"neutral","sentiment_score":0.05750675416655011},{"text":"Yeah.","start":34.94,"end":35.44,"sentiment":"neutral","sentiment_score":0.049180321395397186}],"sentiment":"neutral","sentiment_score":0.06552952707841478,"num_words":29,"start":25.865,"end":35.44},{"sentences":[{"text":"So with that one there, if you look on this side on on mine, it's the right hand side, you'll see The US shares, Australian shares, international shares, and listed property.","start":35.5,"end":45.015,"sentiment":"neutral","sentiment_score":0.06222968368280318},{"text":"Can you see those investments added there?","start":45.015,"end":47.515,"sentiment":"neutral","sentiment_score":0.0535585419940097},{"text":"Yeah.","start":48.935,"end":49.335,"sentiment":"neutral","sentiment_score":0.16572627425193787},{"text":"So those are essentially what we call growth assets.","start":49.335,"end":51.995,"sentiment":"neutral","sentiment_score":0.19030548797713387},{"text":"In your growth portfolio, you've got about 80% invested in these sorts of investments.","start":52.455,"end":57.755,"sentiment":"neutral","sentiment_score":0.18907757422753743}],"sentiment":"neutral","sentiment_score":0.1101547047315586,"num_words":62,"start":35.5,"end":57.755},{"sentences":[{"text":"And the idea is these are the ones that get great growth or get the best returns over longer term there.","start":57.95,"end":63.809998,"sentiment":"neutral","sentiment_score":0.31324493175461177},{"text":"If you sort of, as an example, take The US shares, this document shows that investing $10,000 back in 1996 and letting that fit in the investment over time, you know, re...","start":64.43,"end":78.465004,"sentiment":"neutral","sentiment_score":0.056370903039351106},{"text":"Reinvesting any growth and income that's been distributed, it would have turned $10,000 into over 218,000.","start":78.845,"end":86.925,"sentiment":"neutral","sentiment_score":0.048246180929709226},{"text":"So it's giving you an annual compound of return of 10.8%.","start":86.925,"end":90.96,"sentiment":"neutral","sentiment_score":0.10348635166883469},{"text":"And that's why these investments get better long term growth and returns, but they also see the ups and downs that can make us quite nervous.","start":91.42,"end":100.8,"sentiment":"neutral","sentiment_score":-0.10729071863282186}],"sentiment":"neutral","sentiment_score":0.07078059002721929,"num_words":106,"start":57.95,"end":100.8},{"sentences":[{"text":"Like, sitting in that over the last thirty years, you've gone through some big ups and downs in the market there.","start":100.86,"end":107.445,"sentiment":"neutral","sentiment_score":-0.16115293474424452},{"text":"Does that make sense?","start":107.445,"end":108.58501,"sentiment":"neutral","sentiment_score":-0.01855277456343174},{"text":"Yeah.","start":112.805,"end":113.305,"sentiment":"neutral","sentiment_score":0.03146678954362869},{"text":"Yeah.","start":114.36,"end":114.76,"sentiment":"neutral","sentiment_score":0.106953427195549},{"text":"Yeah.","start":114.76,"end":115.16,"sentiment":"neutral","sentiment_score":0.119545117020607}],"sentiment":"neutral","sentiment_score":-0.11430204979010991,"num_words":28,"start":100.86,"end":115.16},{"sentences":[{"text":"So what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds.","start":115.16,"end":121.58,"sentiment":"neutral","sentiment_score":0.18282220986756412},{"text":"And you can sort of see those bonds underneath that.","start":121.96,"end":124.36,"sentiment":"neutral","sentiment_score":0.1384389206767082},{"text":"That's the defensive investment, so it's lower risk.","start":124.36,"end":127.16,"sentiment":"neutral","sentiment_score":0.24005721509456635},{"text":"It's expected to get a lower rate of return, but you wanna have some sort of investments of these in there because when, say, equities aren't doing so well, these investments tend to smooth out market returns.","start":127.16,"end":138.925,"sentiment":"neutral","sentiment_score":0.311011338556135},{"text":"They have a very steady kind of track record.","start":138.985,"end":142.285,"sentiment":"positive","sentiment_score":0.6101764904128181}],"sentiment":"neutral","sentiment_score":0.2828598079639812,"num_words":86,"start":115.16,"end":142.285},{"sentences":[{"text":"And you can see 10,000 in bonds over the last thirty years has averaged 5.2%, so it's only turned it into $45,000 there.","start":143.06999,"end":152.03,"sentiment":"neutral","sentiment_score":0.33098206312760065},{"text":"And that's because it gets a lower rate of return, but it doesn't see the ups and downs or what we call volatility very much.","start":152.03,"end":158.685,"sentiment":"neutral","sentiment_score":0.02037603538483381},{"text":"It doesn't go through that drastic up and down kind of feeling.","start":158.685,"end":162.14499,"sentiment":"negative","sentiment_score":-0.3454188493390878},{"text":"So because you're younger, we wanna be able to take...","start":162.605,"end":165.325,"sentiment":"neutral","sentiment_score":-0.004152921959757805},{"text":"Or you're able to take a bit more risk in the market, have more of these growth investments in your portfolio and less of these defensive investments.","start":165.325,"end":173.82,"sentiment":"neutral","sentiment_score":-0.03579177666041586}],"sentiment":"neutral","sentiment_score":0.03060881396966804,"num_words":97,"start":143.06999,"end":173.82},{"sentences":[{"text":"But as you get older and closer to accessing your super, that's when you start to feel a bit more nervous.","start":173.82,"end":179.6,"sentiment":"negative","sentiment_score":-0.405556640454701},{"text":"And when you're roughly about six years away from accessing super, then we start to decrease the exposure into these growth assets and increase the exposure into those defensive lower risk investments.","start":179.66,"end":191.495,"sentiment":"neutral","sentiment_score":-0.2766018179245293},{"text":"Does that make sense?","start":191.635,"end":192.61499,"sentiment":"neutral","sentiment_score":0.023134935647249222},{"text":"Yeah.","start":194.435,"end":194.935,"sentiment":"neutral","sentiment_score":-0.0015093497931957245},{"text":"Yeah.","start":195.075,"end":195.47499,"sentiment":"neutral","sentiment_score":0.006667120382189751}],"sentiment":"neutral","sentiment_score":-0.29271610355857064,"num_words":59,"start":173.82,"end":195.47499},{"sentences":[{"text":"So with that growth environment you're in at the moment, it suits someone who has at least six years before accessing their super.","start":195.47499,"end":202.375,"sentiment":"neutral","sentiment_score":-0.028667306891925957},{"text":"The likelihood of a negative return because we understand with the ups and downs, the risk of a negative return is around about one in every five odd years, and you're looking to try and average around about a seven to 9% return on a yearly basis and compounding that over time with the volatility, the...","start":202.86,"end":222.56499,"sentiment":"neutral","sentiment_score":-0.28448084608784746},{"text":"You know, with the ups and downs the market can see with that seven to 9%, essentially, some years you'll get a much greater return.","start":222.56499,"end":230.805,"sentiment":"neutral","sentiment_score":-0.10286705031991004},{"text":"It might be ten, eleven, 20% return, whereas other years it might be lower like this year where it's a 4% return.","start":230.805,"end":238.05,"sentiment":"neutral","sentiment_score":-0.09064639723775061},{"text":"And we just wanna kinda keep reviewing that, take advantage of the down times, and, yeah, enjoy the good times.","start":238.27,"end":244.35,"sentiment":"positive","sentiment_score":0.6546316713094711}],"sentiment":"neutral","sentiment_score":-0.0552297192498123,"num_words":146,"start":195.47499,"end":244.35},{"sentences":[{"text":"And over the next, you know, twenty odd years, keep your super compounding working forward.","start":244.35,"end":250.45499,"sentiment":"positive","sentiment_score":0.4933314621448517},{"text":"So it's also important to update those investments every so often as well because a portfolio that was good a couple of years ago might need to be rejigged or just updated now.","start":250.45499,"end":260.91998,"sentiment":"neutral","sentiment_score":0.1503120053446654},{"text":"And then and then in the future, we update portfolios again.","start":260.91998,"end":264.36,"sentiment":"neutral","sentiment_score":0.14190997047857803},{"text":"Does that make sense?","start":264.36,"end":265.5,"sentiment":"neutral","sentiment_score":0.1377911288291216},{"text":"Yeah.","start":268.03998,"end":268.52,"sentiment":"neutral","sentiment_score":0.32816362380981445}],"sentiment":"neutral","sentiment_score":0.23125946754589677,"num_words":64,"start":244.35,"end":268.52},{"sentences":[{"text":"Beautiful.","start":268.52,"end":269.02,"sentiment":"positive","sentiment_score":0.620107114315033},{"text":"Do you have more questions there?","start":269.24,"end":270.59998,"sentiment":"neutral","sentiment_score":0.23297051091988882},{"text":"You're welcome to let me know if you do.","start":270.59998,"end":272.53998,"sentiment":"neutral","sentiment_score":0.31624025106430054},{"text":"Yeah.","start":281.425,"end":281.905,"sentiment":"neutral","sentiment_score":0.01431461051106453},{"text":"Yeah.","start":281.905,"end":282.405,"sentiment":"neutral","sentiment_score":0.008646094240248203}],"sentiment":"neutral","sentiment_score":0.27150295245357686,"num_words":18,"start":268.52,"end":282.405},{"sentences":[{"text":"Mhmm.","start":285.505,"end":285.93,"sentiment":"neutral","sentiment_score":-0.002507474273443222},{"text":"It's not at the moment.","start":294.88998,"end":296.33,"sentiment":"neutral","sentiment_score":-0.18427545130252837},{"text":"So they used to have ways in which you could open a cell phone.","start":296.33,"end":298.81,"sentiment":"neutral","sentiment_score":-0.09182009819362845},{"text":"It's super fun to do so, but you can't own the house and live in the house, essentially.","start":298.81,"end":303.115,"sentiment":"neutral","sentiment_score":-0.061096427134341665},{"text":"With the way your super is at the moment, you can't technically access it to purchase a home.","start":303.97498,"end":308.715,"sentiment":"neutral","sentiment_score":-0.027806850150227547}],"sentiment":"neutral","sentiment_score":-0.06802901958248445,"num_words":56,"start":285.505,"end":308.715},{"sentences":[{"text":"The only way at the moment is if you're a first home buyer, you can look to contribute more to super and utilize first home super saver scheme where you put more money into super by way of contributions similar to your employer contributions.","start":309.01498,"end":324.19,"sentiment":"neutral","sentiment_score":0.06520302610641177},{"text":"You build that up to a certain extent, and then you can draw some of that money out to help you with the 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right.","start":372.47,"end":373.22,"sentiment":"neutral","sentiment_score":0.07668718323111534},{"text":"That's absolutely fine.","start":388.165,"end":389.525,"sentiment":"positive","sentiment_score":0.36186401049296063}],"sentiment":"neutral","sentiment_score":0.14755316524367248,"num_words":28,"start":363.89502,"end":389.525},{"sentences":[{"text":"That's not a problem at all.","start":389.525,"end":390.965,"sentiment":"neutral","sentiment_score":0.30993633965651196},{"text":"Is all go...","start":390.965,"end":391.765,"sentiment":"neutral","sentiment_score":0.08714473992586136},{"text":"All okay?","start":391.765,"end":392.505,"sentiment":"neutral","sentiment_score":0.10524677857756615},{"text":"Oh, testing your patience.","start":398.78998,"end":400.09,"sentiment":"neutral","sentiment_score":0.030626538209617138},{"text":"No.","start":402.46997,"end":402.87,"sentiment":"neutral","sentiment_score":0.11322258412837982}],"sentiment":"neutral","sentiment_score":0.16045465948991477,"num_words":16,"start":389.525,"end":402.87},{"sentences":[{"text":"All good.","start":402.87,"end":403.59,"sentiment":"neutral","sentiment_score":0.30761174857616425},{"text":"All good.","start":403.59,"end":404.40997,"sentiment":"positive","sentiment_score":0.35651296377182007},{"text":"Yeah.","start":405.27,"end":405.59,"sentiment":"neutral","sentiment_score":0.2755660116672516},{"text":"Sorry.","start":405.59,"end":405.99,"sentiment":"neutral","sentiment_score":0.25391915440559387},{"text":"So, yeah, no compounding that over the longer term is definitely worthwhile.","start":405.99,"end":409.12997,"sentiment":"positive","sentiment_score":0.5659947594006857}],"sentiment":"positive","sentiment_score":0.4805373168653912,"num_words":18,"start":402.87,"end":409.12997},{"sentences":[{"text":"Starting those contributions at a smaller amount now and building them up over time has a much greater effect rather than starting them later down the track and having less time for the money invested.","start":409.34998,"end":420.755,"sentiment":"positive","sentiment_score":0.5563092385019575},{"text":"So it definitely is worth doing.","start":420.89502,"end":423.075,"sentiment":"positive","sentiment_score":0.5234717975060145},{"text":"Yeah.","start":423.21503,"end":423.61502,"sentiment":"neutral","sentiment_score":0.21503540873527527},{"text":"Yeah.","start":423.61502,"end":423.935,"sentiment":"neutral","sentiment_score":0.20504748821258545},{"text":"Definitely.","start":423.935,"end":424.435,"sentiment":"neutral","sentiment_score":0.20567041635513303}],"sentiment":"positive","sentiment_score":0.5281228964978998,"num_words":44,"start":409.34998,"end":424.435},{"sentences":[{"text":"Does there...","start":425.66,"end":426.14,"sentiment":"neutral","sentiment_score":0.12020860612392426},{"text":"Is there any other questions that have come out of any of that?","start":426.14,"end":428.22,"sentiment":"neutral","sentiment_score":0.09463124722242355},{"text":"You're welcome to let me know if you need me to break things down further for you.","start":428.22,"end":431.5,"sentiment":"neutral","sentiment_score":0.22075491179438197},{"text":"Absolutely happy to help.","start":431.5,"end":432.88,"sentiment":"positive","sentiment_score":0.47675830125808716},{"text":"Yeah.","start":436.78,"end":437.28,"sentiment":"neutral","sentiment_score":0.03782641142606735}],"sentiment":"neutral","sentiment_score":0.19373828494870984,"num_words":37,"start":425.66,"end":437.28},{"sentences":[{"text":"Yeah.","start":438.885,"end":439.385,"sentiment":"neutral","sentiment_score":0.04591594263911247},{"text":"Absolutely.","start":444.885,"end":445.385,"sentiment":"neutral","sentiment_score":0.22076544165611267},{"text":"Yeah.","start":446.48502,"end":446.98502,"sentiment":"neutral","sentiment_score":0.27967268228530884},{"text":"Perfect.","start":447.125,"end":447.52502,"sentiment":"positive","sentiment_score":0.43506303429603577},{"text":"And, look, I did send you an email before, so you're welcome to email me back at any point if you have more questions.","start":447.52502,"end":452.13,"sentiment":"neutral","sentiment_score":0.29119331824282807}],"sentiment":"neutral","sentiment_score":0.28464488352515865,"num_words":28,"start":438.885,"end":452.13},{"sentences":[{"text":"I'm more than happy to answer them and help you and break it down.","start":452.13,"end":454.77002,"sentiment":"positive","sentiment_score":0.5892611358846936},{"text":"It's not a problem at all.","start":454.77002,"end":456.05002,"sentiment":"positive","sentiment_score":0.5669664243857065},{"text":"It's actually really good that you wanna take more of a, you know, look at your super more in-depth.","start":456.05002,"end":461.01,"sentiment":"positive","sentiment_score":0.5800999904933729},{"text":"Because at the end of the day, this is part of your income that goes into super.","start":461.01,"end":464.61002,"sentiment":"positive","sentiment_score":0.43944371447843666},{"text":"So when you get to retirement, you wanna enjoy those years, and that'll be your income and your money.","start":464.61002,"end":470.035,"sentiment":"positive","sentiment_score":0.3983854400484185}],"sentiment":"positive","sentiment_score":0.5028429436683655,"num_words":75,"start":452.13,"end":470.035},{"sentences":[{"text":"Yeah.","start":470.255,"end":470.755,"sentiment":"neutral","sentiment_score":0.21978840231895447},{"text":"Yeah.","start":471.13498,"end":471.63498,"sentiment":"positive","sentiment_score":0.37268781661987305},{"text":"Beautiful.","start":472.815,"end":473.315,"sentiment":"positive","sentiment_score":0.651223361492157},{"text":"So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments.","start":474.01498,"end":479.055,"sentiment":"neutral","sentiment_score":0.22336616218090058},{"text":"I'll update the portfolio for you and make some recommendations there.","start":479.055,"end":483.235,"sentiment":"neutral","sentiment_score":0.2349600222977725}],"sentiment":"neutral","sentiment_score":0.24398773733307333,"num_words":34,"start":470.255,"end":483.235},{"sentences":[{"text":"We did kinda touch base that you're in that growth environment.","start":483.88998,"end":486.87,"sentiment":"neutral","sentiment_score":0.15526516871018844},{"text":"I just wanted to sort of ask a couple of questions and do a risk profile questionnaire just to make sure that you're in the correct portfolio realistically.","start":487.16998,"end":495.50998,"sentiment":"neutral","sentiment_score":0.08867010114980596},{"text":"These are all multiple choice, very similar to what you have in to those over the past couple of years there.","start":496.315,"end":501.935,"sentiment":"neutral","sentiment_score":0.07480976180661292},{"text":"The first one here is, do you or have you owned any direct shares in your own name in the past at all?","start":502.555,"end":509.215,"sentiment":"neutral","sentiment_score":0.008991943267376526},{"text":"Nope.","start":510.9,"end":511.14,"sentiment":"neutral","sentiment_score":-0.08587206900119781}],"sentiment":"neutral","sentiment_score":0.07003127752492826,"num_words":84,"start":483.88998,"end":511.14},{"sentences":[{"text":"That's okay.","start":511.14,"end":512.04004,"sentiment":"neutral","sentiment_score":0.06581067945808172},{"text":"Beautiful.","start":512.18,"end":512.68,"sentiment":"positive","sentiment_score":0.5271180868148804},{"text":"The next one that I can answer.","start":514.18,"end":515.7,"sentiment":"neutral","sentiment_score":0.13841443189552852},{"text":"Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns?","start":515.7,"end":526.395,"sentiment":"neutral","sentiment_score":-0.03107829211336194},{"text":"Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can?","start":526.85504,"end":532.135,"sentiment":"neutral","sentiment_score":-0.042543314024806024}],"sentiment":"neutral","sentiment_score":-0.003949356368846363,"num_words":63,"start":511.14,"end":532.135},{"sentences":[{"text":"Or are you not really comfortable with taking risk in the market knowing the returns are lower?","start":532.135,"end":536.775,"sentiment":"neutral","sentiment_score":-0.14622761221492991},{"text":"Where do you think you fit on that scale?","start":536.775,"end":538.795,"sentiment":"neutral","sentiment_score":-0.046469899722271495},{"text":"Yep.","start":541.16,"end":541.63995,"sentiment":"neutral","sentiment_score":0.11517637223005296},{"text":"Beautiful.","start":541.63995,"end":542.13995,"sentiment":"positive","sentiment_score":0.35743939876556396},{"text":"The next one here is if you saw your super fall by, say, 20% in the next, say, six to twelve months with what was happening globally, how do you think you might feel and react?","start":544.04,"end":553.98,"sentiment":"neutral","sentiment_score":-0.021910859530584678}],"sentiment":"neutral","sentiment_score":-0.050316776207182556,"num_words":64,"start":532.135,"end":553.98},{"sentences":[{"text":"Do you think it maybe...","start":554.365,"end":555.72504,"sentiment":"neutral","sentiment_score":-0.03171898871660232},{"text":"See it as an investment opportunity, put some money in, and take advantage of the downtime?","start":555.72504,"end":560.305,"sentiment":"neutral","sentiment_score":-0.03918938571587205},{"text":"Are you a bit unsure, a bit cautious, and maybe call us and have a chat and see what's happening?","start":560.84503,"end":565.645,"sentiment":"neutral","sentiment_score":-0.09169964045286179},{"text":"Just hold and wait and see what happens going through that moment, or are you maybe a bit stressed out and wanting to sell that money...","start":565.645,"end":573.51,"sentiment":"neutral","sentiment_score":-0.10039587519489802},{"text":"Sell your investments for cash?","start":573.57,"end":574.93,"sentiment":"neutral","sentiment_score":-0.0633397378027439}],"sentiment":"neutral","sentiment_score":-0.07703624122465651,"num_words":72,"start":554.365,"end":574.93},{"sentences":[{"text":"How do you think you might feel and react?","start":574.93,"end":577.11,"sentiment":"neutral","sentiment_score":-0.045334009246693716},{"text":"Absolutely.","start":586.845,"end":587.345,"sentiment":"neutral","sentiment_score":0.1795523762702942},{"text":"Yep.","start":587.485,"end":587.885,"sentiment":"neutral","sentiment_score":0.12038761377334596},{"text":"Yep.","start":587.885,"end":588.20496,"sentiment":"neutral","sentiment_score":0.17381468415260315},{"text":"Absolutely.","start":588.20496,"end":588.70496,"sentiment":"positive","sentiment_score":0.3994643986225128}],"sentiment":"neutral","sentiment_score":0.035785614584500976,"num_words":13,"start":574.93,"end":588.70496},{"sentences":[{"text":"Perfect.","start":589.245,"end":589.745,"sentiment":"positive","sentiment_score":0.5599421262741089},{"text":"And I'll pop you down there.","start":589.885,"end":591.40497,"sentiment":"neutral","sentiment_score":0.3194692035516103},{"text":"Excellent.","start":591.40497,"end":591.90497,"sentiment":"neutral","sentiment_score":0.0689166784286499},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds?","start":592.845,"end":598.76,"sentiment":"neutral","sentiment_score":-0.0192315053815643},{"text":"Do you consider that too risky without proper advice, or would you only borrow money for, say, buying a property?","start":598.76,"end":605.82,"sentiment":"neutral","sentiment_score":-0.13871968425810338}],"sentiment":"neutral","sentiment_score":-0.013274534390522884,"num_words":52,"start":589.245,"end":605.82},{"sentences":[{"text":"Yep.","start":609.295,"end":609.615,"sentiment":"neutral","sentiment_score":0.1538529098033905},{"text":"Beautiful.","start":609.615,"end":610.09503,"sentiment":"positive","sentiment_score":0.48806655406951904},{"text":"I think having a look here, it looks like one of your goals down the track was that you were wanting to purchase property.","start":610.09503,"end":615.135,"sentiment":"neutral","sentiment_score":0.2025745181987683},{"text":"Is that right?","start":615.135,"end":615.955,"sentiment":"neutral","sentiment_score":0.14683154473702112},{"text":"Yeah.","start":618.335,"end":618.835,"sentiment":"neutral","sentiment_score":0.107491597533226}],"sentiment":"neutral","sentiment_score":0.2017231377462546,"num_words":30,"start":609.295,"end":618.835},{"sentences":[{"text":"Yep.","start":619.055,"end":619.53503,"sentiment":"neutral","sentiment_score":0.19134025275707245},{"text":"Beautiful.","start":619.53503,"end":620.03503,"sentiment":"positive","sentiment_score":0.5420545339584351},{"text":"I'll just pop that down there for you.","start":620.655,"end":622.91504,"sentiment":"positive","sentiment_score":0.39815281331539154},{"text":"Beautiful.","start":625.8,"end":626.3,"sentiment":"positive","sentiment_score":0.5983005166053772},{"text":"Excellent.","start":626.36,"end":626.86,"sentiment":"positive","sentiment_score":0.6106293201446533}],"sentiment":"positive","sentiment_score":0.42729559416572255,"num_words":12,"start":619.055,"end":626.86},{"sentences":[{"text":"So just sort of looking at that, and thank you so much for answering those questions, you have scored as a growth investor there.","start":627.0,"end":632.76,"sentiment":"positive","sentiment_score":0.49658696601788205},{"text":"So that that sort of risk profile where you see 80% in those growth assets plus 20% in lower risk defensive investments like cash and bonds, it does suit your time horizon.","start":632.76,"end":644.295,"sentiment":"neutral","sentiment_score":0.260696355253458},{"text":"Do you feel fairly comfortable staying in that environment?","start":644.595,"end":647.575,"sentiment":"neutral","sentiment_score":0.085488670402103},{"text":"Do you have any more questions around that?","start":647.635,"end":649.815,"sentiment":"neutral","sentiment_score":0.032248282339423895},{"text":"Yep.","start":653.395,"end":653.73,"sentiment":"neutral","sentiment_score":0.09823620319366456}],"sentiment":"neutral","sentiment_score":0.28899987902794333,"num_words":74,"start":627.0,"end":653.73},{"sentences":[{"text":"Yep.","start":654.20996,"end":654.52997,"sentiment":"neutral","sentiment_score":0.16186651587486267},{"text":"Beautiful.","start":654.52997,"end":655.02997,"sentiment":"positive","sentiment_score":0.4082770347595215},{"text":"Well, I'll make sure I keep you in that sort of profile.","start":655.08997,"end":658.23,"sentiment":"neutral","sentiment_score":0.22028725345929465},{"text":"I'll go back and review everything.","start":658.61,"end":660.20996,"sentiment":"neutral","sentiment_score":0.1924772635102272},{"text":"What we do is we update the advice, then I'll come back and speak to you.","start":660.20996,"end":664.44995,"sentiment":"neutral","sentiment_score":0.1415648264810443}],"sentiment":"neutral","sentiment_score":0.18426364991399977,"num_words":36,"start":654.20996,"end":664.44995},{"sentences":[{"text":"I'll show the advice document, what I'm recommending.","start":664.44995,"end":667.02997,"sentiment":"neutral","sentiment_score":0.15353116020560265},{"text":"We'll go through it together.","start":667.17,"end":668.255,"sentiment":"neutral","sentiment_score":0.19006015360355377},{"text":"You can ask any questions you have, and then you'll get to go back and have a read of that as well.","start":668.255,"end":673.135,"sentiment":"neutral","sentiment_score":0.17184765873984856},{"text":"It outlines the recommendations, the risks, the advantages, and the disadvantages.","start":673.135,"end":677.395,"sentiment":"neutral","sentiment_score":0.1149197972633622},{"text":"And it also notes the best interest duty, so how and why I'm making those recommendations and how it relates back to your goals.","start":678.175,"end":684.48004,"sentiment":"neutral","sentiment_score":0.17695277649909258}],"sentiment":"neutral","sentiment_score":0.16385975639734948,"num_words":70,"start":664.44995,"end":684.48004},{"sentences":[{"text":"So it just takes a couple of weeks to get that sorted.","start":684.78,"end":687.26,"sentiment":"neutral","sentiment_score":0.17145434270302454},{"text":"And when I've got that document ready, we'll go through that together at a time, and you can review it.","start":687.26,"end":691.5,"sentiment":"neutral","sentiment_score":0.18241619318723679},{"text":"How does that sound?","start":691.5,"end":692.48004,"sentiment":"neutral","sentiment_score":0.15420960821211338},{"text":"Yeah.","start":694.46,"end":694.96,"sentiment":"neutral","sentiment_score":0.25375860929489136},{"text":"That's not a problem at all.","start":695.10004,"end":696.54004,"sentiment":"positive","sentiment_score":0.3882853339115779}],"sentiment":"neutral","sentiment_score":0.20711825632078704,"num_words":43,"start":684.78,"end":696.54004},{"sentences":[{"text":"Beautiful.","start":696.54004,"end":697.04004,"sentiment":"positive","sentiment_score":0.5376840829849243},{"text":"Now the next thing I just wanted to touch base on was your insurances.","start":697.505,"end":700.40497,"sentiment":"neutral","sentiment_score":0.1306494793721608},{"text":"Now on the first page that I documented, that one's your life and TBD policy you have through Cal.","start":700.625,"end":706.08496,"sentiment":"neutral","sentiment_score":0.0969705713030539},{"text":"This is paid out of your super fund.","start":706.385,"end":708.565,"sentiment":"neutral","sentiment_score":0.010558970738202333},{"text":"So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your life cover covers you for 464,814.","start":709.425,"end":721.27997,"sentiment":"neutral","sentiment_score":0.006228672911322886}],"sentiment":"neutral","sentiment_score":0.0614627160973949,"num_words":73,"start":696.54004,"end":721.27997},{"sentences":[{"text":"And with life insurance, if you were to pass away, your super is also paid out to your beneficiaries.","start":721.89996,"end":727.2,"sentiment":"neutral","sentiment_score":0.024020492834480184},{"text":"So just sort of thinking about your circumstances, I've got here that your...","start":728.26495,"end":733.485,"sentiment":"neutral","sentiment_score":0.0080218561924994},{"text":"So your partner is Charlotte.","start":733.545,"end":735.38495,"sentiment":"neutral","sentiment_score":0.004337010718882084},{"text":"Is that correct?","start":735.38495,"end":736.20496,"sentiment":"neutral","sentiment_score":0.010123408399522305},{"text":"Yeah.","start":742.38,"end":742.88,"sentiment":"neutral","sentiment_score":0.01083382498472929}],"sentiment":"neutral","sentiment_score":0.015208843856959081,"num_words":41,"start":721.89996,"end":742.88},{"sentences":[{"text":"Not a problem.","start":744.06,"end":744.86,"sentiment":"neutral","sentiment_score":0.21354604264100394},{"text":"I can update that for you.","start":744.86,"end":746.22,"sentiment":"neutral","sentiment_score":0.25186099112033844},{"text":"Thank you so much for that.","start":746.22,"end":747.92,"sentiment":"positive","sentiment_score":0.6537472208340963},{"text":"So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that.","start":748.3,"end":760.605,"sentiment":"neutral","sentiment_score":0.2283781791726748},{"text":"It's essentially giving you a lump sum benefit or two shall...","start":760.605,"end":764.445,"sentiment":"neutral","sentiment_score":0.1333730642429807}],"sentiment":"neutral","sentiment_score":0.2570131514554045,"num_words":56,"start":744.06,"end":764.445},{"sentences":[{"text":"Sorry, of $547,002.35.","start":764.445,"end":768.685,"sentiment":"neutral","sentiment_score":-0.13148152083158493},{"text":"Do you feel like that's sufficient?","start":768.685,"end":770.145,"sentiment":"neutral","sentiment_score":-0.17069221287965775},{"text":"Did you wanna sort of reevaluate that level of cover?","start":770.205,"end":773.33,"sentiment":"neutral","sentiment_score":-0.18011695444583892},{"text":"How do you feel about that?","start":773.33,"end":774.71,"sentiment":"neutral","sentiment_score":-0.08732110137740771},{"text":"That's okay?","start":777.41003,"end":778.15,"sentiment":"neutral","sentiment_score":-0.03034559264779091}],"sentiment":"neutral","sentiment_score":-0.14090315473300438,"num_words":27,"start":764.445,"end":778.15},{"sentences":[{"text":"Yes.","start":782.53,"end":782.93,"sentiment":"neutral","sentiment_score":0.10313030332326888},{"text":"Absolutely.","start":782.93,"end":783.43,"sentiment":"neutral","sentiment_score":0.12153814733028412},{"text":"And when were you sort of...","start":783.65,"end":784.93,"sentiment":"neutral","sentiment_score":0.014388848096132278},{"text":"Do you have a plan on when you'd like to purchase property, or is it still just in the savings where you...","start":784.93,"end":789.905,"sentiment":"neutral","sentiment_score":-0.013077306148426776},{"text":"Twelve to eighteen months.","start":797.165,"end":798.365,"sentiment":"neutral","sentiment_score":0.016272902255877852}],"sentiment":"neutral","sentiment_score":0.0025997768526020296,"num_words":34,"start":782.53,"end":798.365},{"sentences":[{"text":"Perfect.","start":798.365,"end":798.865,"sentiment":"positive","sentiment_score":0.44036638736724854},{"text":"Not a problem at all.","start":798.925,"end":800.125,"sentiment":"positive","sentiment_score":0.3612377643585205},{"text":"Excellent.","start":800.125,"end":800.625,"sentiment":"positive","sentiment_score":0.5349112153053284},{"text":"And then I've also got with your TPD.","start":801.76,"end":803.7,"sentiment":"neutral","sentiment_score":0.18321826867759228},{"text":"So TPD or total permanent disability can pay out a lump sum benefit or an income stream if you're never able to go back to work again.","start":804.0,"end":811.83997,"sentiment":"neutral","sentiment_score":0.093875449978643}],"sentiment":"neutral","sentiment_score":0.16147261245974473,"num_words":42,"start":798.365,"end":811.83997},{"sentences":[{"text":"So you're permanently disabled, and the doctor is saying you're probably never gonna do your job again ever.","start":811.83997,"end":817.285,"sentiment":"neutral","sentiment_score":-0.2567671893371476},{"text":"You have the same level of cover.","start":817.90497,"end":819.925,"sentiment":"neutral","sentiment_score":-0.10919385403394699},{"text":"And under the rules of disability or incapacity, we can also look to access your super.","start":820.145,"end":825.425,"sentiment":"neutral","sentiment_score":0.025351055548526347},{"text":"So you realistically have the same level of cover that you're covered for.","start":825.425,"end":830.005,"sentiment":"neutral","sentiment_score":0.06720716477586673},{"text":"Are you fairly happy with that with TPD?","start":830.12,"end":832.06,"sentiment":"neutral","sentiment_score":0.12522968836128712}],"sentiment":"neutral","sentiment_score":-0.050080949170214516,"num_words":62,"start":811.83997,"end":832.06},{"sentences":[{"text":"Do you have more questions around that type of insurances?","start":832.27997,"end":835.01996,"sentiment":"neutral","sentiment_score":-0.0011601092293858529},{"text":"That's okay.","start":837.95996,"end":838.83997,"sentiment":"neutral","sentiment_score":0.26184967160224915},{"text":"Beautiful.","start":838.83997,"end":839.33997,"sentiment":"neutral","sentiment_score":0.2384628802537918},{"text":"Oh, beautiful.","start":841.39996,"end":842.38,"sentiment":"neutral","sentiment_score":0.15580478310585022},{"text":"Yep.","start":844.52496,"end":845.02496,"sentiment":"neutral","sentiment_score":0.049695663154125214}],"sentiment":"neutral","sentiment_score":0.06949164753314108,"num_words":16,"start":832.27997,"end":845.02496},{"sentences":[{"text":"Yes.","start":846.925,"end":847.40497,"sentiment":"neutral","sentiment_score":0.06486541777849197},{"text":"Correct.","start":847.40497,"end":847.885,"sentiment":"neutral","sentiment_score":0.13438358902931213},{"text":"Yeah.","start":847.885,"end":848.365,"sentiment":"neutral","sentiment_score":0.14929360151290894},{"text":"Absolutely.","start":848.365,"end":848.865,"sentiment":"neutral","sentiment_score":0.29056602716445923},{"text":"Perfect.","start":849.245,"end":849.745,"sentiment":"positive","sentiment_score":0.6861644983291626}],"sentiment":"neutral","sentiment_score":0.26505462676286695,"num_words":5,"start":846.925,"end":849.745},{"sentences":[{"text":"Excellent.","start":850.125,"end":850.625,"sentiment":"positive","sentiment_score":0.6372143030166626},{"text":"Now you don't happen to have any other types of insurances like income protection or trauma.","start":850.925,"end":855.505,"sentiment":"neutral","sentiment_score":0.05445631791371852},{"text":"And then now having a look at your circumstances, so you're part owner in a business with your dad.","start":855.645,"end":860.46,"sentiment":"neutral","sentiment_score":0.05941143298619672},{"text":"Is that right?","start":860.46,"end":861.36,"sentiment":"neutral","sentiment_score":0.06983490536610286},{"text":"Yeah.","start":863.26,"end":863.66003,"sentiment":"neutral","sentiment_score":0.15432363748550415}],"sentiment":"neutral","sentiment_score":0.07502902424894273,"num_words":40,"start":850.125,"end":863.66003},{"sentences":[{"text":"Beautiful.","start":863.66003,"end":864.16003,"sentiment":"neutral","sentiment_score":0.2790619432926178},{"text":"So if in the event that you were unable to go to work in the short term, are you still able to collect income and get paid income to cover your bills and expenses, or do you feel like you would need some income protection to cover you?","start":864.3,"end":876.805,"sentiment":"neutral","sentiment_score":-0.04251317474214981},{"text":"Yep.","start":881.185,"end":881.685,"sentiment":"neutral","sentiment_score":0.08476464450359344},{"text":"Oh, absolutely.","start":887.75995,"end":889.06,"sentiment":"neutral","sentiment_score":0.019732444547116756},{"text":"Yeah.","start":890.07996,"end":890.48,"sentiment":"neutral","sentiment_score":0.08430857956409454}],"sentiment":"neutral","sentiment_score":-0.02930249681450286,"num_words":53,"start":863.66003,"end":890.48},{"sentences":[{"text":"Absolutely.","start":890.48,"end":890.98,"sentiment":"neutral","sentiment_score":0.1790957897901535},{"text":"You can let me know anytime.","start":891.12,"end":892.56,"sentiment":"neutral","sentiment_score":0.1464193786183993},{"text":"We'll make time to come back and review that.","start":892.56,"end":894.39996,"sentiment":"neutral","sentiment_score":0.13246183428499433},{"text":"You're not limited to just one review.","start":894.39996,"end":896.33997,"sentiment":"neutral","sentiment_score":0.03808820700006826},{"text":"I definitely wanna...","start":896.71497,"end":897.51495,"sentiment":"neutral","sentiment_score":0.08454182247320811}],"sentiment":"neutral","sentiment_score":0.10653890332636926,"num_words":26,"start":890.48,"end":897.51495},{"sentences":[{"text":"Once we update the advice, maybe check-in a bit more regularly and see how things are going and give you updates on your super a bit more regularly as well.","start":897.51495,"end":905.355,"sentiment":"neutral","sentiment_score":0.08701079934835435},{"text":"Yeah.","start":905.355,"end":905.855,"sentiment":"neutral","sentiment_score":0.06651727110147476},{"text":"Beautiful.","start":907.51495,"end":908.01495,"sentiment":"neutral","sentiment_score":0.23981691896915436},{"text":"There are other types of insurances like trauma.","start":908.71497,"end":910.95496,"sentiment":"neutral","sentiment_score":-0.016841846983879805},{"text":"So trauma pays out like a lump sum benefit if you're diagnosed with a major traumatic condition.","start":910.95496,"end":915.69995,"sentiment":"neutral","sentiment_score":-0.010575988357338835}],"sentiment":"neutral","sentiment_score":0.04565143144869229,"num_words":57,"start":897.51495,"end":915.69995},{"sentences":[{"text":"So think about things like cancer, heart attack, strokes, Parkinson's, or, you know, MS, big neurological conditions as well.","start":915.69995,"end":923.63995,"sentiment":"neutral","sentiment_score":-0.031430782848282865},{"text":"Trauma, you can't...","start":924.445,"end":925.485,"sentiment":"neutral","sentiment_score":-0.05491068710883459},{"text":"So there are types of insurances you can pay inside super, like your life, your TBD, your income protection, but trauma is one you have to pay out of your back pocket.","start":925.485,"end":935.02496,"sentiment":"neutral","sentiment_score":-0.07979954400798306},{"text":"You're not allowed to pay for that super, unfortunately.","start":935.085,"end":937.265,"sentiment":"negative","sentiment_score":-0.46446116103066337},{"text":"Did you wanna look at anything that's paid out of pocket, or you're happy just with what you've got?","start":937.76,"end":942.26,"sentiment":"neutral","sentiment_score":0.0892987547344283}],"sentiment":"neutral","sentiment_score":-0.07071922503684352,"num_words":82,"start":915.69995,"end":942.26},{"sentences":[{"text":"Yep.","start":945.44,"end":945.83997,"sentiment":"neutral","sentiment_score":0.12948593497276306},{"text":"That's okay.","start":945.83997,"end":946.74,"sentiment":"neutral","sentiment_score":0.15082526206970215},{"text":"Yeah.","start":951.545,"end":952.02496,"sentiment":"neutral","sentiment_score":0.22604727745056152},{"text":"Absolutely.","start":952.02496,"end":952.52496,"sentiment":"positive","sentiment_score":0.4538722634315491},{"text":"Most definitely.","start":952.985,"end":953.885,"sentiment":"positive","sentiment_score":0.4291636198759079}],"sentiment":"neutral","sentiment_score":0.28134046282087055,"num_words":7,"start":945.44,"end":953.885},{"sentences":[{"text":"And another thing for you to look at, and I'm happy to send you another email just to kinda break it down, but you can, down the track, also look at getting insurances to protect your children.","start":954.185,"end":963.305,"sentiment":"positive","sentiment_score":0.3773629149875125},{"text":"So you can have what's called child trauma, and that pays out a lump sum benefit if your child is diagnosed with a major traumatic condition or if they pass away as well.","start":963.305,"end":974.02,"sentiment":"neutral","sentiment_score":0.15605942351800023},{"text":"You can...","start":974.02,"end":974.42,"sentiment":"neutral","sentiment_score":0.03603495657444},{"text":"It's also a bit of a life benefit.","start":974.42,"end":976.2,"sentiment":"neutral","sentiment_score":0.19138671830296516},{"text":"So down the track, if you wanted to, feel free to talk to your partner.","start":976.26,"end":979.56,"sentiment":"neutral","sentiment_score":0.17154957801103593}],"sentiment":"neutral","sentiment_score":0.24514522274073802,"num_words":95,"start":954.185,"end":979.56},{"sentences":[{"text":"If you did wanna revisit those other types of insurances or get more information, please let me know.","start":979.925,"end":984.885,"sentiment":"neutral","sentiment_score":0.16262609759966531},{"text":"I'm more than happy to have that conversation with you.","start":984.885,"end":987.605,"sentiment":"positive","sentiment_score":0.709958815574646},{"text":"Okay?","start":987.605,"end":988.105,"sentiment":"neutral","sentiment_score":0.2262125164270401},{"text":"That's alright.","start":990.245,"end":991.065,"sentiment":"neutral","sentiment_score":0.2456480637192726},{"text":"So we've kind of gone through...","start":992.13995,"end":993.18,"sentiment":"neutral","sentiment_score":0.06923347463210423}],"sentiment":"neutral","sentiment_score":0.30161533524861206,"num_words":37,"start":979.925,"end":993.18},{"sentences":[{"text":"You're happy with the level of cover you have insurances.","start":993.18,"end":995.44,"sentiment":"positive","sentiment_score":0.5073288559913636},{"text":"I'm gonna go back and review your super, which is fantastic.","start":995.5,"end":998.24,"sentiment":"positive","sentiment_score":0.5723868689753793},{"text":"Inside those documents there, the last couple of documents are your child certificate of currency.","start":999.33997,"end":1004.48,"sentiment":"neutral","sentiment_score":0.15733801648020745},{"text":"It's also outlining...","start":1005.03503,"end":1006.175,"sentiment":"neutral","sentiment_score":0.07403029501438141},{"text":"Sorry.","start":1006.715,"end":1006.955,"sentiment":"neutral","sentiment_score":-0.0010738037526607511}],"sentiment":"positive","sentiment_score":0.34876578617841003,"num_words":40,"start":993.18,"end":1006.955},{"sentences":[{"text":"It's also got your financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":1006.955,"end":1013.055,"sentiment":"neutral","sentiment_score":0.09853731332854791},{"text":"Got some lovely glossy photos of me in there and my licensing number as well because I'm a licensed financial adviser.","start":1013.115,"end":1019.215,"sentiment":"neutral","sentiment_score":0.29882302738371347},{"text":"So you've got that there.","start":1019.63,"end":1020.43,"sentiment":"neutral","sentiment_score":0.24110483825206758},{"text":"You're welcome to look me up if you do need to.","start":1020.43,"end":1022.75,"sentiment":"neutral","sentiment_score":0.2395461987365376},{"text":"Okay.","start":1022.75,"end":1023.25,"sentiment":"neutral","sentiment_score":0.2760518193244934}],"sentiment":"neutral","sentiment_score":0.20932814441621303,"num_words":60,"start":1006.955,"end":1023.25},{"sentences":[{"text":"We've also got in there the tax file opt in form.","start":1024.91,"end":1027.87,"sentiment":"neutral","sentiment_score":0.16877832060510461},{"text":"So, essentially, we hold your tax file number because we opened your super account.","start":1027.87,"end":1031.71,"sentiment":"neutral","sentiment_score":0.1460851751201387},{"text":"We do have to hold that on file, but this document is outlining essentially how and why we hold that tax file number for you and just making sure that you're aware of the personal information we do hold.","start":1031.71,"end":1042.345,"sentiment":"neutral","sentiment_score":0.14014319970439643},{"text":"Okay?","start":1042.405,"end":1042.905,"sentiment":"neutral","sentiment_score":0.06053868308663368},{"text":"The last document attached is your ongoing service agreement.","start":1044.645,"end":1048.1849,"sentiment":"neutral","sentiment_score":0.06550862681534556}],"sentiment":"neutral","sentiment_score":0.13537101474640942,"num_words":74,"start":1024.91,"end":1048.1849},{"sentences":[{"text":"So over the past couple of years, we've had a ongoing service fee, which is 1.65%.","start":1048.23,"end":1053.21,"sentiment":"neutral","sentiment_score":0.004630347631064069},{"text":"This year, we've essentially made some changes and updated our ongoing service agreement.","start":1053.59,"end":1058.01,"sentiment":"neutral","sentiment_score":0.10534205459631406},{"text":"It does stay at 1.65% for your balance being under a hun...","start":1058.23,"end":1062.3099,"sentiment":"neutral","sentiment_score":0.047089120761180915},{"text":"Under 200,000.","start":1062.3099,"end":1063.85,"sentiment":"neutral","sentiment_score":-0.01209044549614191},{"text":"However, it's now basically gonna be a fee...","start":1064.445,"end":1067.1649,"sentiment":"neutral","sentiment_score":-0.03394984477199614}],"sentiment":"neutral","sentiment_score":0.03358474650617698,"num_words":51,"start":1048.23,"end":1067.1649},{"sentences":[{"text":"A tiered structure.","start":1067.1649,"end":1068.1449,"sentiment":"neutral","sentiment_score":-0.03519861896832784},{"text":"So our ongoing service fee is gonna be calculated based on the amount of funds we manage for you.","start":1068.205,"end":1074.1449,"sentiment":"neutral","sentiment_score":0.034911177268153744},{"text":"We use a tiered fee structure, so different rates apply depending on the level of funds under management.","start":1074.2849,"end":1079.9049,"sentiment":"neutral","sentiment_score":0.006383097627096706},{"text":"As an example, when your balance hits $202,100,000, up until that $200,000 mark, you pay 1.65.","start":1080.52,"end":1089.72,"sentiment":"neutral","sentiment_score":0.021245653391815722},{"text":"So your fee is the same as it always has been essentially now.","start":1089.72,"end":1092.94,"sentiment":"neutral","sentiment_score":0.0744627771469263}],"sentiment":"neutral","sentiment_score":0.028703751096474953,"num_words":69,"start":1067.1649,"end":1092.94},{"sentences":[{"text":"Once your super balance hits 200,000, then you drop over into the next tier, and your...","start":1093.1951,"end":1098.9551,"sentiment":"neutral","sentiment_score":0.00241687276866287},{"text":"The tier drops down from 1.65% to one point three seven five.","start":1098.9551,"end":1103.775,"sentiment":"neutral","sentiment_score":-0.0656540859490633},{"text":"And then after that, we get to 500,000 and it drops down to the next tier again.","start":1103.915,"end":1108.54,"sentiment":"neutral","sentiment_score":-0.039021951749044305},{"text":"So the idea is the the higher your super balance goes, the more it drops down into the next tier.","start":1108.54,"end":1114.72,"sentiment":"neutral","sentiment_score":0.004150497913360596},{"text":"Essentially, we used to cap our fee at 600,000.","start":1115.34,"end":1118.38,"sentiment":"neutral","sentiment_score":-0.059977091227968536}],"sentiment":"neutral","sentiment_score":-0.02526129877849205,"num_words":74,"start":1093.1951,"end":1118.38},{"sentences":[{"text":"We no longer do that, but we do reduce the percentage that your ongoing service fee is for each tier that you drop down up until your balance hits about $2,000,000 there.","start":1118.38,"end":1128.995,"sentiment":"neutral","sentiment_score":0.009472110425122082},{"text":"So the idea is to kinda make sure our services, that we're getting paid for our services and looking after everything, but also making sure that the fee agreement works for you and that your super is growing.","start":1128.995,"end":1139.84,"sentiment":"neutral","sentiment_score":0.31459175481608037},{"text":"If at any point the fee doesn't work with your super, it's disadvantaging you, then I'll come forward and make sure I speak to our, our team and let them know, and we'll look to obviously turn that off and see what we can do to help you.","start":1140.14,"end":1152.7001,"sentiment":"neutral","sentiment_score":-0.30500175151973963},{"text":"But for the moment there, that's essentially how that works.","start":1152.7001,"end":1155.655,"sentiment":"neutral","sentiment_score":-0.02901146337389946},{"text":"And it essentially shows that this year, our ongoing service fee is expected to be $1,410.49 there.","start":1156.035,"end":1163.8151,"sentiment":"neutral","sentiment_score":0.11220187912969028}],"sentiment":"neutral","sentiment_score":-0.00527705203356414,"num_words":145,"start":1118.38,"end":1163.8151},{"sentences":[{"text":"It's also now set as a set dollar figure fee, so you won't be charged any more than what's in that fee agreement, whereas it used to just be an estimated cost.","start":1164.1951,"end":1173.37,"sentiment":"neutral","sentiment_score":0.11500779073685408},{"text":"And if your portfolio went up by, say, 20%, our fee went up with that 20%.","start":1173.43,"end":1178.89,"sentiment":"neutral","sentiment_score":0.10256337327882648},{"text":"Because it's now a set dollar figure fee, it's encompassing a 5% return.","start":1178.9501,"end":1183.925,"sentiment":"neutral","sentiment_score":0.1590048624919011},{"text":"So it means that if your portfolio goes up by, you know, 20%, 15%, it doesn't make any difference on that fee.","start":1184.145,"end":1190.705,"sentiment":"neutral","sentiment_score":0.13341766053980048},{"text":"We will not charge you more than what is on that document there.","start":1190.705,"end":1193.665,"sentiment":"neutral","sentiment_score":0.12660054289377654}],"sentiment":"neutral","sentiment_score":0.12468043831177056,"num_words":96,"start":1164.1951,"end":1193.665},{"sentences":[{"text":"Does that make sense?","start":1193.665,"end":1194.66,"sentiment":"neutral","sentiment_score":0.10235672630369663},{"text":"Mhmm.","start":1201.54,"end":1202.04,"sentiment":"neutral","sentiment_score":0.05046718567609787},{"text":"Yes.","start":1203.62,"end":1204.12,"sentiment":"neutral","sentiment_score":0.02748863399028778},{"text":"That is your total balance before any fees have come out.","start":1205.78,"end":1209.205,"sentiment":"neutral","sentiment_score":0.06223030760884285},{"text":"So it's the balance showing in hub twenty four currently.","start":1209.205,"end":1212.905,"sentiment":"neutral","sentiment_score":0.05543990358710289}],"sentiment":"neutral","sentiment_score":0.06393759794257305,"num_words":27,"start":1193.665,"end":1212.905},{"sentences":[{"text":"If you look at the second page, that performance with internal rate of return, the return we give you on the second page, that is after all fees have been deducted.","start":1213.445,"end":1222.985,"sentiment":"neutral","sentiment_score":0.07491094228481093},{"text":"So after all fees, you're still at 4.13%.","start":1223.34,"end":1227.28,"sentiment":"neutral","sentiment_score":0.06494421511888504},{"text":"Yeah.","start":1227.34,"end":1227.84,"sentiment":"neutral","sentiment_score":0.0723215788602829},{"text":"Yeah.","start":1229.26,"end":1229.76,"sentiment":"neutral","sentiment_score":0.26861143112182617},{"text":"Does that make sense?","start":1229.9,"end":1231.02,"sentiment":"neutral","sentiment_score":0.23520836606621742}],"sentiment":"neutral","sentiment_score":0.09163465346727107,"num_words":45,"start":1213.445,"end":1231.02},{"sentences":[{"text":"Do you have any questions?","start":1231.02,"end":1232.0599,"sentiment":"neutral","sentiment_score":0.13032447844743728},{"text":"So you're welcome to let me know if you do.","start":1232.0599,"end":1234.08,"sentiment":"neutral","sentiment_score":0.32185080349445344},{"text":"I will I will do everything I possibly can.","start":1241.3949,"end":1244.455,"sentiment":"neutral","sentiment_score":0.17567629118760428},{"text":"Absolutely.","start":1244.595,"end":1245.095,"sentiment":"positive","sentiment_score":0.48591816425323486},{"text":"We'll start by cleaning up your screen, updating the portfolio, then definitely go from there for you.","start":1245.1549,"end":1250.3099,"sentiment":"neutral","sentiment_score":0.3065909568001242}],"sentiment":"neutral","sentiment_score":0.26545670185060727,"num_words":42,"start":1231.02,"end":1250.3099},{"sentences":[{"text":"How does that sound?","start":1250.3099,"end":1251.37,"sentiment":"neutral","sentiment_score":0.2383463867008686},{"text":"Excellent.","start":1252.95,"end":1253.45,"sentiment":"positive","sentiment_score":0.5332059860229492},{"text":"So just to kind of update a couple of additional details here.","start":1253.83,"end":1256.95,"sentiment":"neutral","sentiment_score":0.1684306524693966},{"text":"Now your income we had noted down last time was about 50,000.","start":1256.95,"end":1260.71,"sentiment":"neutral","sentiment_score":0.07332080385337274},{"text":"Has your income gone up, or is it still the same?","start":1260.71,"end":1263.53,"sentiment":"neutral","sentiment_score":0.01760685494677587}],"sentiment":"neutral","sentiment_score":0.11453211032785475,"num_words":40,"start":1250.3099,"end":1263.53},{"sentences":[{"text":"Yeah.","start":1269.295,"end":1269.795,"sentiment":"neutral","sentiment_score":-0.021593963727355003},{"text":"You're right.","start":1270.3351,"end":1271.155,"sentiment":"neutral","sentiment_score":-0.07772501558065414},{"text":"Oh, it's just sort of...","start":1281.4,"end":1282.52,"sentiment":"neutral","sentiment_score":0.003457086719572544},{"text":"It's about the expected contributions going in because, essentially, the way you...","start":1282.52,"end":1286.68,"sentiment":"neutral","sentiment_score":0.005868119342873494},{"text":"The business structure is, whilst you do own the business, you're also an employee of the business.","start":1286.68,"end":1291.72,"sentiment":"neutral","sentiment_score":0.011204158120295581}],"sentiment":"neutral","sentiment_score":0.002733231320775844,"num_words":37,"start":1269.295,"end":1291.72},{"sentences":[{"text":"So increases in your income show us how much is expected in the way of contributions, and that has an on flow effect for growth in your super as well.","start":1291.72,"end":1300.6151,"sentiment":"neutral","sentiment_score":0.04798924730469783},{"text":"Yep.","start":1306.1951,"end":1306.6951,"sentiment":"neutral","sentiment_score":0.07154934108257294},{"text":"Beautiful.","start":1310.7,"end":1311.2,"sentiment":"positive","sentiment_score":0.6362168788909912},{"text":"Excellent.","start":1311.5,"end":1312.0,"sentiment":"positive","sentiment_score":0.6243146061897278},{"text":"And you're still making that $50 per week in salary sacrifice contributions there as well.","start":1312.0599,"end":1317.52,"sentiment":"neutral","sentiment_score":0.1295135036110878}],"sentiment":"neutral","sentiment_score":0.098217933322303,"num_words":48,"start":1291.72,"end":1317.52},{"sentences":[{"text":"Yeah.","start":1317.98,"end":1318.48,"sentiment":"neutral","sentiment_score":0.08479242026805878},{"text":"Are you wanting to look at maybe increasing that at all, or are you still happy just to keep it at $50 for the time being?","start":1318.62,"end":1324.72,"sentiment":"neutral","sentiment_score":0.0476071980710213},{"text":"Yeah.","start":1330.465,"end":1330.965,"sentiment":"neutral","sentiment_score":0.02710653841495514},{"text":"Yeah.","start":1332.785,"end":1333.285,"sentiment":"neutral","sentiment_score":0.09965119510889052},{"text":"Absolutely.","start":1333.745,"end":1334.245,"sentiment":"neutral","sentiment_score":0.17294299602508545}],"sentiment":"neutral","sentiment_score":0.05407600998878479,"num_words":30,"start":1317.98,"end":1334.245},{"sentences":[{"text":"Yeah.","start":1334.705,"end":1335.025,"sentiment":"neutral","sentiment_score":0.1304745227098465},{"text":"Definitely.","start":1335.025,"end":1335.525,"sentiment":"neutral","sentiment_score":0.1382297724485397},{"text":"And you...","start":1336.705,"end":1337.265,"sentiment":"neutral","sentiment_score":0.03701320942491293},{"text":"Are you managing to sort of put money away or have savings or excess cash at the end of the week, or are you finding everything's kinda going out to bills?","start":1337.265,"end":1345.11,"sentiment":"neutral","sentiment_score":-0.00011175364676502448},{"text":"How are you finding your expenditure?","start":1345.17,"end":1346.63,"sentiment":"neutral","sentiment_score":-0.004604626602182786}],"sentiment":"neutral","sentiment_score":0.00760094125232682,"num_words":41,"start":1334.705,"end":1346.63},{"sentences":[{"text":"Yep.","start":1356.8451,"end":1357.3451,"sentiment":"neutral","sentiment_score":-0.027037275955080983},{"text":"Yeah.","start":1359.7251,"end":1360.2251,"sentiment":"neutral","sentiment_score":-0.01586378738284111},{"text":"No.","start":1366.13,"end":1366.37,"sentiment":"neutral","sentiment_score":-0.07403779029846191},{"text":"That's okay.","start":1366.37,"end":1367.1901,"sentiment":"neutral","sentiment_score":-0.057322461158037186},{"text":"I think last year, we had down about 50 to $100 on a weekly basis.","start":1367.3301,"end":1371.43,"sentiment":"neutral","sentiment_score":-0.089561394850413}],"sentiment":"neutral","sentiment_score":-0.07875023493543268,"num_words":20,"start":1356.8451,"end":1371.43},{"sentences":[{"text":"That was kind of left over after everything, including those savings, have been taken into account.","start":1371.9701,"end":1376.53,"sentiment":"neutral","sentiment_score":-0.0771002802066505},{"text":"Is that still fairly accurate, or do you think it might have decreased since then?","start":1376.53,"end":1380.31,"sentiment":"neutral","sentiment_score":-0.0775035060942173},{"text":"About the same.","start":1381.115,"end":1381.835,"sentiment":"neutral","sentiment_score":-0.07905115683873494},{"text":"Yeah.","start":1381.835,"end":1382.235,"sentiment":"neutral","sentiment_score":-0.007372511550784111},{"text":"Beautiful.","start":1382.235,"end":1382.735,"sentiment":"neutral","sentiment_score":0.25326213240623474}],"sentiment":"neutral","sentiment_score":-0.06631724789945616,"num_words":36,"start":1371.9701,"end":1382.735},{"sentences":[{"text":"Yep.","start":1383.2749,"end":1383.6749,"sentiment":"neutral","sentiment_score":0.14205479621887207},{"text":"Lovely.","start":1383.6749,"end":1384.1549,"sentiment":"neutral","sentiment_score":0.2550669312477112},{"text":"And how much are you putting away each week or fortnight for your home deposit?","start":1384.1549,"end":1388.095,"sentiment":"neutral","sentiment_score":0.05010503406325976},{"text":"Oh, beautiful.","start":1391.4349,"end":1392.2549,"sentiment":"neutral","sentiment_score":0.28318600356578827},{"text":"A week.","start":1392.475,"end":1393.0349,"sentiment":"neutral","sentiment_score":0.089683897793293}],"sentiment":"neutral","sentiment_score":0.09021128767303058,"num_words":21,"start":1383.2749,"end":1393.0349},{"sentences":[{"text":"Excellent.","start":1393.0349,"end":1393.5349,"sentiment":"positive","sentiment_score":0.6128497123718262},{"text":"And how much do you have in savings at the moment total for that?","start":1393.89,"end":1397.59,"sentiment":"neutral","sentiment_score":0.09624412975140981},{"text":"15,000?","start":1406.29,"end":1407.27,"sentiment":"neutral","sentiment_score":0.010412730276584624},{"text":"Yeah.","start":1407.33,"end":1407.65,"sentiment":"neutral","sentiment_score":0.0953129380941391},{"text":"Beautiful.","start":1407.65,"end":1408.15,"sentiment":"positive","sentiment_score":0.4450548887252808}],"sentiment":"neutral","sentiment_score":0.13950267144375378,"num_words":18,"start":1393.0349,"end":1408.15},{"sentences":[{"text":"Fantastic.","start":1408.995,"end":1409.495,"sentiment":"positive","sentiment_score":0.6875269412994385},{"text":"Excellent.","start":1411.155,"end":1411.655,"sentiment":"positive","sentiment_score":0.6135143041610718},{"text":"And other assets I had noted here was the part ownership in the business A and G Foods, which is owned fifty fifty split with your dad.","start":1412.755,"end":1421.155,"sentiment":"neutral","sentiment_score":0.12319746917044674},{"text":"Is that that still correct?","start":1421.155,"end":1422.775,"sentiment":"neutral","sentiment_score":0.08126162141561508},{"text":"Yes.","start":1425.08,"end":1425.4,"sentiment":"neutral","sentiment_score":0.1324552297592163}],"sentiment":"neutral","sentiment_score":0.14760389285428183,"num_words":35,"start":1408.995,"end":1425.4},{"sentences":[{"text":"Beautiful.","start":1425.4,"end":1425.88,"sentiment":"positive","sentiment_score":0.3333461880683899},{"text":"I had the asset value of about 600,000.","start":1425.88,"end":1429.5599,"sentiment":"neutral","sentiment_score":0.117900425568223},{"text":"Would you keep that the same, or would you increase the value of the business of the company?","start":1429.5599,"end":1434.38,"sentiment":"neutral","sentiment_score":0.09713505001531707},{"text":"Yep.","start":1440.575,"end":1441.075,"sentiment":"neutral","sentiment_score":0.033338867127895355},{"text":"Without the stock.","start":1441.295,"end":1442.255,"sentiment":"neutral","sentiment_score":0.0252884595344464}],"sentiment":"neutral","sentiment_score":0.10110273350390696,"num_words":31,"start":1425.4,"end":1442.255},{"sentences":[{"text":"Perfect.","start":1442.255,"end":1442.755,"sentiment":"neutral","sentiment_score":0.26093828678131104},{"text":"And then I also had it noted here that we had another another business ownership, I believe, called All Trans Investments.","start":1443.855,"end":1452.43,"sentiment":"neutral","sentiment_score":0.04598412449870791},{"text":"It's a 100% owned by your dad.","start":1452.49,"end":1454.49,"sentiment":"neutral","sentiment_score":0.034534848162106106},{"text":"Is that right?","start":1454.49,"end":1455.39,"sentiment":"neutral","sentiment_score":0.04212745651602745},{"text":"Okay.","start":1464.8351,"end":1465.3351,"sentiment":"neutral","sentiment_score":0.03779096156358719}],"sentiment":"neutral","sentiment_score":0.04947036877274513,"num_words":33,"start":1442.255,"end":1465.3351},{"sentences":[{"text":"Patsy.","start":1465.9551,"end":1466.4551,"sentiment":"neutral","sentiment_score":0.04019657522439957},{"text":"Beautiful.","start":1466.915,"end":1467.415,"sentiment":"neutral","sentiment_score":0.14613652229309082},{"text":"And that's owned by your dad solely.","start":1468.1151,"end":1470.275,"sentiment":"neutral","sentiment_score":0.0430691832942622},{"text":"Do you have any ownership in that business?","start":1470.275,"end":1472.4551,"sentiment":"neutral","sentiment_score":0.008232248481363058},{"text":"Okay.","start":1477.16,"end":1477.66,"sentiment":"neutral","sentiment_score":-0.05318986624479294}],"sentiment":"neutral","sentiment_score":0.027804750121302076,"num_words":18,"start":1465.9551,"end":1477.66},{"sentences":[{"text":"Yes.","start":1480.52,"end":1480.84,"sentiment":"neutral","sentiment_score":-0.0022348621860146523},{"text":"That's okay.","start":1480.84,"end":1481.4,"sentiment":"neutral","sentiment_score":0.01013804820831865},{"text":"So I'll just put here a stakeholder.","start":1481.4,"end":1482.86,"sentiment":"neutral","sentiment_score":0.006959831475147179},{"text":"Do you do you know what your stakeholder percentage is?","start":1482.9199,"end":1486.2999,"sentiment":"neutral","sentiment_score":-0.008009175024926662},{"text":"Sorry.","start":1489.64,"end":1489.96,"sentiment":"neutral","sentiment_score":-0.06666739284992218}],"sentiment":"neutral","sentiment_score":-0.0038094804067874237,"num_words":21,"start":1480.52,"end":1489.96},{"sentences":[{"text":"Was that 20 or 40%?","start":1489.96,"end":1491.4,"sentiment":"neutral","sentiment_score":-0.03954699859023094},{"text":"My apologies.","start":1491.4,"end":1492.0599,"sentiment":"neutral","sentiment_score":-0.11898711696267128},{"text":"Beautiful.","start":1495.875,"end":1496.355,"sentiment":"neutral","sentiment_score":0.20254117250442505},{"text":"Thank you for updating that.","start":1496.355,"end":1497.635,"sentiment":"neutral","sentiment_score":0.27445746660232545},{"text":"So sorry.","start":1497.635,"end":1498.295,"sentiment":"neutral","sentiment_score":-0.04974539577960968}],"sentiment":"neutral","sentiment_score":0.0693085658053557,"num_words":15,"start":1489.96,"end":1498.295},{"sentences":[{"text":"And we had essentially the the estimated value of that business as well at 600,000.","start":1498.515,"end":1504.755,"sentiment":"neutral","sentiment_score":-0.020908554643392564},{"text":"Would you keep it the same, or would you alter that?","start":1504.755,"end":1507.3351,"sentiment":"neutral","sentiment_score":-0.03945080089298161},{"text":"The same.","start":1510.7899,"end":1511.35,"sentiment":"neutral","sentiment_score":0.025844115763902664},{"text":"Beautiful.","start":1511.35,"end":1511.85,"sentiment":"neutral","sentiment_score":0.31749650835990906},{"text":"Fantastic.","start":1512.07,"end":1512.57,"sentiment":"neutral","sentiment_score":0.32812580466270447}],"sentiment":"neutral","sentiment_score":-0.0016758861641089121,"num_words":30,"start":1498.515,"end":1512.57},{"sentences":[{"text":"Other assets I do like to note down are things like contents.","start":1513.83,"end":1516.95,"sentiment":"neutral","sentiment_score":0.06325007804359},{"text":"It doesn't sound like much, but if you tipped your house upside down and everything fell out, all that is contents and it would cost you money to replace.","start":1516.95,"end":1525.195,"sentiment":"neutral","sentiment_score":-0.05835603973988829},{"text":"Do you have contents insurance at all?","start":1525.255,"end":1527.575,"sentiment":"neutral","sentiment_score":-0.05803813998188291},{"text":"Or...","start":1527.575,"end":1528.075,"sentiment":"neutral","sentiment_score":-0.04455889016389847},{"text":"No.","start":1531.575,"end":1531.895,"sentiment":"neutral","sentiment_score":-0.10193927586078644}],"sentiment":"neutral","sentiment_score":-0.029721787236630916,"num_words":50,"start":1513.83,"end":1531.895},{"sentences":[{"text":"That's okay.","start":1531.895,"end":1532.7949,"sentiment":"neutral","sentiment_score":-0.03820171020925045},{"text":"Do you know roughly what you might value your contents at?","start":1532.855,"end":1536.15,"sentiment":"neutral","sentiment_score":-0.023232207548889248},{"text":"Tough one, I know.","start":1536.39,"end":1544.73,"sentiment":"neutral","sentiment_score":-0.15317106246948242},{"text":"Yep.","start":1547.8301,"end":1548.165,"sentiment":"neutral","sentiment_score":0.08755182474851608},{"text":"Beautiful.","start":1548.405,"end":1548.905,"sentiment":"positive","sentiment_score":0.38547396659851074}],"sentiment":"neutral","sentiment_score":-0.024821903262483447,"num_words":19,"start":1531.895,"end":1548.905},{"sentences":[{"text":"40,000.","start":1550.3251,"end":1551.2251,"sentiment":"neutral","sentiment_score":0.17926061153411865},{"text":"Beautiful.","start":1551.525,"end":1552.025,"sentiment":"positive","sentiment_score":0.42384475469589233},{"text":"And is there any other assets or liabilities that I haven't noted down that you think are appropriate to note down?","start":1553.285,"end":1559.4651,"sentiment":"neutral","sentiment_score":0.04623104578682354},{"text":"Yep.","start":1564.72,"end":1565.22,"sentiment":"neutral","sentiment_score":0.03270934149622917},{"text":"Beautiful.","start":1565.28,"end":1565.78,"sentiment":"neutral","sentiment_score":0.1338084638118744}],"sentiment":"neutral","sentiment_score":0.06961900532245636,"num_words":25,"start":1550.3251,"end":1565.78},{"sentences":[{"text":"What's the car do you drive?","start":1566.5599,"end":1568.02,"sentiment":"neutral","sentiment_score":0.02018207311630249},{"text":"That's okay.","start":1574.32,"end":1575.22,"sentiment":"neutral","sentiment_score":0.04960852488875389},{"text":"Not a problem at all.","start":1575.36,"end":1576.72,"sentiment":"neutral","sentiment_score":0.07634010761976243},{"text":"I'll just note that down here being under partner.","start":1576.72,"end":1579.0599,"sentiment":"neutral","sentiment_score":0.032627490556074515},{"text":"Roughly, what value would that be?","start":1579.9551,"end":1581.8151,"sentiment":"neutral","sentiment_score":0.008351608722781142}],"sentiment":"neutral","sentiment_score":0.03377739621126758,"num_words":28,"start":1566.5599,"end":1581.8151},{"sentences":[{"text":"Yep.","start":1585.235,"end":1585.635,"sentiment":"neutral","sentiment_score":0.06001656502485275},{"text":"Fantastic.","start":1585.635,"end":1586.135,"sentiment":"neutral","sentiment_score":0.32873740792274475},{"text":"And any debt on that vehicle is owned outright?","start":1586.915,"end":1589.335,"sentiment":"neutral","sentiment_score":0.056032244529989034},{"text":"At 28,000?","start":1594.43,"end":1595.5701,"sentiment":"neutral","sentiment_score":0.004962713457643987},{"text":"Beautiful.","start":1595.79,"end":1596.29,"sentiment":"neutral","sentiment_score":0.23591183125972748}],"sentiment":"neutral","sentiment_score":0.08134867370660816,"num_words":14,"start":1585.235,"end":1596.29},{"sentences":[{"text":"And the other thing I do like to note down as well is rent.","start":1598.11,"end":1600.67,"sentiment":"neutral","sentiment_score":0.05916845519095659},{"text":"Are you renting where you are currently living?","start":1600.67,"end":1602.93,"sentiment":"neutral","sentiment_score":0.012341959401965141},{"text":"Yep.","start":1604.99,"end":1605.23,"sentiment":"neutral","sentiment_score":0.02970426343381405},{"text":"How much rent are you paying on a regular basis?","start":1605.23,"end":1607.65,"sentiment":"neutral","sentiment_score":0.016498436406254768},{"text":"Seven 100.","start":1610.5651,"end":1611.2051,"sentiment":"neutral","sentiment_score":0.006687229033559561}],"sentiment":"neutral","sentiment_score":0.032433060955788406,"num_words":35,"start":1598.11,"end":1611.2051},{"sentences":[{"text":"Is that per week?","start":1611.2051,"end":1612.245,"sentiment":"neutral","sentiment_score":0.011205001268535852},{"text":"Yeah.","start":1612.245,"end":1612.645,"sentiment":"neutral","sentiment_score":0.0814702957868576},{"text":"Beautiful.","start":1612.645,"end":1613.145,"sentiment":"positive","sentiment_score":0.34967732429504395},{"text":"Thank you for that.","start":1613.2051,"end":1614.405,"sentiment":"positive","sentiment_score":0.5129174441099167},{"text":"Lovely.","start":1614.405,"end":1614.905,"sentiment":"positive","sentiment_score":0.4922374486923218}],"sentiment":"neutral","sentiment_score":0.27453407729891216,"num_words":11,"start":1611.2051,"end":1614.905},{"sentences":[{"text":"And I'll make a note here that your goal is to purchase a home in the next sort of twelve to eighteen months there as well.","start":1615.2051,"end":1620.9851,"sentiment":"neutral","sentiment_score":0.22710546679221666},{"text":"Yep.","start":1622.97,"end":1623.47,"sentiment":"neutral","sentiment_score":0.12319879233837128},{"text":"Beautiful.","start":1623.69,"end":1624.19,"sentiment":"neutral","sentiment_score":0.2953716516494751},{"text":"Other things to update here, I've got down here that you had one one dependent.","start":1625.29,"end":1630.49,"sentiment":"neutral","sentiment_score":0.09967604950070381},{"text":"So one child, one son there.","start":1630.49,"end":1632.41,"sentiment":"neutral","sentiment_score":0.04332871921360493}],"sentiment":"neutral","sentiment_score":0.16486582935464625,"num_words":49,"start":1615.2051,"end":1632.41},{"sentences":[{"text":"Do you still only have the one child?","start":1632.41,"end":1634.35,"sentiment":"neutral","sentiment_score":0.025940051767975092},{"text":"Yeah.","start":1636.715,"end":1637.115,"sentiment":"neutral","sentiment_score":0.09377441555261612},{"text":"Beautiful.","start":1637.115,"end":1637.615,"sentiment":"neutral","sentiment_score":0.23371762037277224},{"text":"Lovely.","start":1637.995,"end":1638.3151,"sentiment":"neutral","sentiment_score":0.14935380220413208},{"text":"How old is he?","start":1638.3151,"end":1639.375,"sentiment":"neutral","sentiment_score":0.04038483276963234}],"sentiment":"neutral","sentiment_score":0.05639370555679003,"num_words":15,"start":1632.41,"end":1639.375},{"sentences":[{"text":"Oh, wow.","start":1644.715,"end":1645.615,"sentiment":"neutral","sentiment_score":0.018743690103292465},{"text":"Yes.","start":1645.915,"end":1646.415,"sentiment":"neutral","sentiment_score":0.01886555179953575},{"text":"Next month.","start":1646.875,"end":1647.775,"sentiment":"neutral","sentiment_score":0.020439659245312214},{"text":"Beautiful.","start":1653.7899,"end":1654.19,"sentiment":"neutral","sentiment_score":0.22588683664798737},{"text":"That's in...","start":1654.19,"end":1654.83,"sentiment":"neutral","sentiment_score":0.12086454033851624}],"sentiment":"neutral","sentiment_score":0.07060602097772062,"num_words":8,"start":1644.715,"end":1654.83},{"sentences":[{"text":"That's incredible.","start":1654.83,"end":1655.6499,"sentiment":"positive","sentiment_score":0.37602564692497253},{"text":"It goes fast.","start":1655.7899,"end":1656.6699,"sentiment":"neutral","sentiment_score":0.3115781943003337},{"text":"I've got a 21 year old, a 20 year old, and a 10 year old, so it goes very quickly.","start":1656.6699,"end":1661.09,"sentiment":"neutral","sentiment_score":0.17027500085532665},{"text":"Absolutely.","start":1664.35,"end":1664.85,"sentiment":"positive","sentiment_score":0.4377211332321167},{"text":"No.","start":1665.5499,"end":1665.95,"sentiment":"neutral","sentiment_score":0.28581178188323975}],"sentiment":"neutral","sentiment_score":0.21540069662862354,"num_words":27,"start":1654.83,"end":1665.95},{"sentences":[{"text":"Perfect.","start":1665.95,"end":1666.45,"sentiment":"positive","sentiment_score":0.4670807123184204},{"text":"The other thing I'm just looking at here is your beneficiary nominations as well.","start":1667.325,"end":1670.845,"sentiment":"neutral","sentiment_score":0.08687828880335603},{"text":"So I'm sort of having a look, and I can note that on your super and your insurances, we don't seem to have a beneficiary nomination.","start":1670.845,"end":1676.7849,"sentiment":"neutral","sentiment_score":0.028720949060068682},{"text":"It is definitely something I wanna make sure we have updated for you.","start":1677.565,"end":1681.1849,"sentiment":"neutral","sentiment_score":0.13600294120036638},{"text":"Essentially, a beneficiary nomination on your super and your life insurance directs what you want to happen to those funds if you were to pass away.","start":1681.6699,"end":1690.65,"sentiment":"neutral","sentiment_score":0.04453518943717846}],"sentiment":"neutral","sentiment_score":0.06695093240123243,"num_words":80,"start":1665.95,"end":1690.65},{"sentences":[{"text":"So by not having a nomination there...","start":1691.11,"end":1693.75,"sentiment":"neutral","sentiment_score":-0.007196382819009679},{"text":"Sure.","start":1693.75,"end":1694.25,"sentiment":"neutral","sentiment_score":0.03482469171285629},{"text":"You're right.","start":1697.445,"end":1698.1849,"sentiment":"neutral","sentiment_score":-0.0016188677400350553},{"text":"Yeah.","start":1704.245,"end":1704.745,"sentiment":"neutral","sentiment_score":-0.01879430934786797},{"text":"Oh.","start":1709.7649,"end":1710.2649,"sentiment":"neutral","sentiment_score":-0.029434125870466232}],"sentiment":"neutral","sentiment_score":-0.005584679893217981,"num_words":12,"start":1691.11,"end":1710.2649},{"sentences":[{"text":"Yeah.","start":1714.38,"end":1714.88,"sentiment":"neutral","sentiment_score":-0.02985965460538864},{"text":"Oh.","start":1717.1001,"end":1717.6001,"sentiment":"neutral","sentiment_score":-0.09990188479423524},{"text":"Yeah.","start":1719.66,"end":1720.16,"sentiment":"neutral","sentiment_score":-0.07496312260627747},{"text":"No.","start":1720.2201,"end":1720.4601,"sentiment":"neutral","sentiment_score":-0.2645670771598816},{"text":"That's not good.","start":1720.4601,"end":1721.26,"sentiment":"negative","sentiment_score":-0.4932934840520223}],"sentiment":"neutral","sentiment_score":-0.2784531701888357,"num_words":7,"start":1714.38,"end":1721.26},{"sentences":[{"text":"I'm so sorry if that's okay.","start":1721.26,"end":1722.7001,"sentiment":"neutral","sentiment_score":-0.27705036600430805},{"text":"So I'll definitely go back and have a look.","start":1722.7001,"end":1724.2201,"sentiment":"neutral","sentiment_score":0.06452812709742123},{"text":"I'm just pulling up the file now to see if I can find a nomination having been filled out.","start":1724.2201,"end":1730.795,"sentiment":"neutral","sentiment_score":0.033226535998676955},{"text":"Let's have a look.","start":1733.175,"end":1734.155,"sentiment":"neutral","sentiment_score":0.017855836544185877},{"text":"Okay.","start":1735.895,"end":1736.395,"sentiment":"neutral","sentiment_score":-0.022187527269124985}],"sentiment":"neutral","sentiment_score":-0.01028228331452761,"num_words":39,"start":1721.26,"end":1736.395},{"sentences":[{"text":"Yes.","start":1739.015,"end":1739.515,"sentiment":"neutral","sentiment_score":0.05693773925304413},{"text":"Yeah.","start":1742.43,"end":1742.93,"sentiment":"neutral","sentiment_score":0.05296257883310318},{"text":"Absolutely.","start":1744.27,"end":1744.77,"sentiment":"neutral","sentiment_score":0.24919447302818296},{"text":"What I can do is I will make sure it gets done and filled out, and I'll send it to you.","start":1745.2301,"end":1749.87,"sentiment":"neutral","sentiment_score":0.207795507141522},{"text":"That way, it can be all signed and witnessed.","start":1749.87,"end":1752.4501,"sentiment":"neutral","sentiment_score":0.15395138992203605}],"sentiment":"neutral","sentiment_score":0.18510190758741263,"num_words":33,"start":1739.015,"end":1752.4501},{"sentences":[{"text":"Just double checking.","start":1753.455,"end":1754.415,"sentiment":"neutral","sentiment_score":0.057672335455814995},{"text":"Can...","start":1754.415,"end":1754.895,"sentiment":"neutral","sentiment_score":0.03535022586584091},{"text":"Would you like me to pre fill the form for you just to make it easier?","start":1754.895,"end":1758.275,"sentiment":"neutral","sentiment_score":0.08861105516552925},{"text":"Yeah.","start":1760.735,"end":1761.215,"sentiment":"neutral","sentiment_score":0.2111961841583252},{"text":"Beautiful.","start":1761.215,"end":1761.715,"sentiment":"positive","sentiment_score":0.3928012251853943}],"sentiment":"neutral","sentiment_score":0.10137006928297607,"num_words":22,"start":1753.455,"end":1761.715},{"sentences":[{"text":"And just to confirm, I spell your partner's name as s a l o t e.","start":1762.575,"end":1767.215,"sentiment":"neutral","sentiment_score":0.1023006304167211},{"text":"Is that right?","start":1767.215,"end":1768.115,"sentiment":"neutral","sentiment_score":0.0958167960246404},{"text":"Beautiful.","start":1770.3301,"end":1770.8301,"sentiment":"neutral","sentiment_score":0.29620617628097534},{"text":"And surname, I believe, is Smith?","start":1770.89,"end":1773.39,"sentiment":"neutral","sentiment_score":0.0908330213278532},{"text":"Lovely.","start":1776.49,"end":1776.99,"sentiment":"positive","sentiment_score":0.48665541410446167}],"sentiment":"neutral","sentiment_score":0.12044889604051907,"num_words":27,"start":1762.575,"end":1776.99},{"sentences":[{"text":"All good.","start":1777.13,"end":1777.9501,"sentiment":"neutral","sentiment_score":0.24953170120716092},{"text":"I've got...","start":1778.3301,"end":1778.9701,"sentiment":"neutral","sentiment_score":-0.021148589439690113},{"text":"I don't have her date of birth.","start":1778.9701,"end":1780.25,"sentiment":"neutral","sentiment_score":-0.057353053774152486},{"text":"Can you give me her date of birth as well?","start":1780.25,"end":1782.51,"sentiment":"neutral","sentiment_score":-0.015600173361599445},{"text":"Yep.","start":1786.085,"end":1786.585,"sentiment":"neutral","sentiment_score":0.016461987048387527}],"sentiment":"neutral","sentiment_score":-0.003829313611442395,"num_words":22,"start":1777.13,"end":1786.585},{"sentences":[{"text":"Beautiful.","start":1787.765,"end":1788.265,"sentiment":"positive","sentiment_score":0.6674469709396362},{"text":"What I'll do for you is I'll pre fill the form, and then we'll get my team to send it out to you.","start":1788.405,"end":1793.4451,"sentiment":"neutral","sentiment_score":0.227586277153181},{"text":"I'll make sure they cc me into the email so we can see it going back and forth.","start":1793.4451,"end":1797.465,"sentiment":"neutral","sentiment_score":0.15592125140958363},{"text":"It just needs to be printed out, signed, and witnessed by two witnesses.","start":1797.99,"end":1803.6901,"sentiment":"neutral","sentiment_score":0.05295817439372723},{"text":"One of those can't be your partner.","start":1803.75,"end":1805.91,"sentiment":"neutral","sentiment_score":0.0048882488959601945}],"sentiment":"neutral","sentiment_score":0.15211593355202385,"num_words":62,"start":1787.765,"end":1805.91},{"sentences":[{"text":"So there's two people over the age of 18, one that's not the beneficiary that can witness the document with you.","start":1805.91,"end":1812.33,"sentiment":"neutral","sentiment_score":0.03058595024049282},{"text":"And then if you scan and send it back to me, I'll make sure it's applied, and I'll confirm once it's been applied for you as well.","start":1812.535,"end":1819.195,"sentiment":"neutral","sentiment_score":0.09255235959534291},{"text":"Okay?","start":1819.255,"end":1819.755,"sentiment":"neutral","sentiment_score":0.07678495347499847},{"text":"Oh, I'm so sorry.","start":1823.175,"end":1824.315,"sentiment":"neutral","sentiment_score":-0.039700417779386044},{"text":"Yeah.","start":1824.535,"end":1825.035,"sentiment":"neutral","sentiment_score":0.022324293851852417}],"sentiment":"neutral","sentiment_score":0.05706530074692435,"num_words":54,"start":1805.91,"end":1825.035},{"sentences":[{"text":"No.","start":1826.8301,"end":1827.0701,"sentiment":"neutral","sentiment_score":-0.19785767793655396},{"text":"No.","start":1827.0701,"end":1827.4701,"sentiment":"neutral","sentiment_score":-0.2306242138147354},{"text":"Definitely not okay.","start":1827.4701,"end":1828.43,"sentiment":"negative","sentiment_score":-0.4198927680651347},{"text":"I'm so sorry that that happened.","start":1828.43,"end":1829.79,"sentiment":"neutral","sentiment_score":-0.3235323876142502},{"text":"I'll make sure I follow that through for you.","start":1829.79,"end":1831.79,"sentiment":"neutral","sentiment_score":-0.11636301792330211}],"sentiment":"neutral","sentiment_score":-0.2338310841470957,"num_words":20,"start":1826.8301,"end":1831.79},{"sentences":[{"text":"I do apologize for that, Sandy, but don't want that to be the case.","start":1831.79,"end":1835.81,"sentiment":"neutral","sentiment_score":-0.23037638515233994},{"text":"Those those definitely need to be actioned for you straight away.","start":1836.03,"end":1839.2301,"sentiment":"neutral","sentiment_score":-0.1846836656332016},{"text":"So I'll get that for the hub 24 and the towel policy so we can have everything updated for you.","start":1839.2301,"end":1844.9049,"sentiment":"neutral","sentiment_score":0.13733011484146118},{"text":"Okay?","start":1844.9049,"end":1845.4049,"sentiment":"neutral","sentiment_score":0.001937367022037506},{"text":"Yes.","start":1849.065,"end":1849.565,"sentiment":"neutral","sentiment_score":-0.0006212852895259857}],"sentiment":"neutral","sentiment_score":-0.053380241181622164,"num_words":47,"start":1831.79,"end":1849.565},{"sentences":[{"text":"Yeah.","start":1853.17,"end":1853.41,"sentiment":"neutral","sentiment_score":0.07077895104885101},{"text":"Absolutely.","start":1853.41,"end":1853.91,"sentiment":"neutral","sentiment_score":0.22326475381851196},{"text":"It's not a silly question at all.","start":1854.13,"end":1856.15,"sentiment":"neutral","sentiment_score":0.06772160210779735},{"text":"What I tend to sort of say to clients is keep our phone number somewhere.","start":1856.21,"end":1859.89,"sentiment":"neutral","sentiment_score":0.08510276228189469},{"text":"So just make sure she knows that we're your financial advisers and maybe have our phone number somewhere.","start":1859.89,"end":1864.77,"sentiment":"neutral","sentiment_score":0.11720306095149782}],"sentiment":"neutral","sentiment_score":0.09891170121374585,"num_words":42,"start":1853.17,"end":1864.77},{"sentences":[{"text":"I can even send you just, like, a fridge magnet or something on my card that has our contact details there.","start":1864.77,"end":1870.625,"sentiment":"neutral","sentiment_score":0.12637946080593837},{"text":"So...","start":1870.625,"end":1870.865,"sentiment":"neutral","sentiment_score":0.041982050985097885},{"text":"Or if you were to pass away, she just need to give us a call.","start":1870.865,"end":1873.745,"sentiment":"neutral","sentiment_score":-0.04339917227625847},{"text":"Let us know.","start":1873.745,"end":1874.725,"sentiment":"neutral","sentiment_score":0.045707533756891884},{"text":"We would then start the claims process with the insurer and your super funds, and sort of make sure that we're helping along to get all of that sorted for for her so it's as as streamlined as absolutely possible.","start":1874.785,"end":1887.18,"sentiment":"neutral","sentiment_score":0.32837752616032956}],"sentiment":"neutral","sentiment_score":0.19146483489312233,"num_words":80,"start":1864.77,"end":1887.18},{"sentences":[{"text":"But, yeah, she just needs to contact us in the event that something was to happen to you.","start":1887.4,"end":1891.42,"sentiment":"neutral","sentiment_score":0.03781307881904973},{"text":"Okay?","start":1891.4801,"end":1891.9801,"sentiment":"neutral","sentiment_score":0.041716642677783966},{"text":"Yes.","start":1899.995,"end":1900.495,"sentiment":"neutral","sentiment_score":0.08178833872079849},{"text":"Mhmm.","start":1902.955,"end":1903.455,"sentiment":"neutral","sentiment_score":0.2221418023109436},{"text":"Oh, absolutely.","start":1905.515,"end":1906.415,"sentiment":"positive","sentiment_score":0.3396424800157547}],"sentiment":"neutral","sentiment_score":0.07415509402104047,"num_words":23,"start":1887.4,"end":1906.415},{"sentences":[{"text":"As part of increasing that, they...","start":1907.4501,"end":1909.53,"sentiment":"neutral","sentiment_score":0.20054365197817484},{"text":"I tend to do a new pre assessment with you just to sort of understand what your health looks like and if there's been any changes since your original application.","start":1909.53,"end":1917.31,"sentiment":"neutral","sentiment_score":0.060559150545547405},{"text":"I then go out to the market and I look at your current insurer as well as the others out there to see how we can increase the cover in a cost effective way, what that looks like.","start":1918.17,"end":1926.905,"sentiment":"positive","sentiment_score":0.340834368216364},{"text":"We update the advice to show our recommendations on what we're recommending and how you increase the cover.","start":1927.2849,"end":1932.505,"sentiment":"neutral","sentiment_score":0.27162427372402614},{"text":"And because it's paid out of super currently, we also then factor into the super to a limited extent just to show you what the premiums, you know, the expectation of premiums can do to your super projection over time.","start":1932.725,"end":1945.88,"sentiment":"neutral","sentiment_score":0.1741035407409072}],"sentiment":"neutral","sentiment_score":0.2107963710388338,"num_words":132,"start":1907.4501,"end":1945.88},{"sentences":[{"text":"And then you just go to a new application.","start":1946.345,"end":1948.2051,"sentiment":"neutral","sentiment_score":0.062963691022661},{"text":"If there's no major changes, as part of the advice, we let you know what we expect to come out of the application process.","start":1948.265,"end":1955.405,"sentiment":"neutral","sentiment_score":0.1553518115542829},{"text":"You do just have to go to a new application with the Instruqt for the increase or for, you know, altering the color.","start":1955.625,"end":1961.405,"sentiment":"neutral","sentiment_score":0.08611531847197076},{"text":"But once that's done, it goes into place, and we'll kinda go through all that with you and hold your hand along the way so you understand what we're doing, how we're doing it, what we're up to, and then we keep in contact with the insurer as well.","start":1961.73,"end":1973.65,"sentiment":"neutral","sentiment_score":0.24438678518849977},{"text":"But the first step is really when you decide you wanna increase the cover, we look at what you wanna increase it to, what you want to be covered for, what your goal is.","start":1973.65,"end":1982.005,"sentiment":"neutral","sentiment_score":0.1832426847780452}],"sentiment":"neutral","sentiment_score":0.17612210631692152,"num_words":139,"start":1946.345,"end":1982.005},{"sentences":[{"text":"Then we'll go forward to your pre assessment.","start":1982.145,"end":1984.085,"sentiment":"neutral","sentiment_score":0.1918752919882536},{"text":"We'll go out to the market and look at what the options are.","start":1984.145,"end":1988.0599,"sentiment":"neutral","sentiment_score":0.1877196843807514},{"text":"We'll come back with a recommendation.","start":1988.12,"end":1989.9,"sentiment":"neutral","sentiment_score":0.20838872840007147},{"text":"We'll go through that together, and then we'll let you decide whether you're happy to take that or not.","start":1989.96,"end":1993.64,"sentiment":"neutral","sentiment_score":0.21092256393871808},{"text":"Does that sound...","start":1993.64,"end":1994.54,"sentiment":"neutral","sentiment_score":0.1126680001616478}],"sentiment":"neutral","sentiment_score":0.19533108813422068,"num_words":49,"start":1982.145,"end":1994.54},{"sentences":[{"text":"Does that make sense?","start":1995.88,"end":1996.84,"sentiment":"neutral","sentiment_score":0.1522511951625347},{"text":"Mhmm.","start":1996.84,"end":1997.24,"sentiment":"neutral","sentiment_score":0.04345797747373581},{"text":"Okay.","start":1997.24,"end":1997.74,"sentiment":"neutral","sentiment_score":0.04585476964712143},{"text":"Absolutely.","start":1999.495,"end":1999.995,"sentiment":"neutral","sentiment_score":0.0853746309876442},{"text":"Yeah.","start":2003.495,"end":2003.995,"sentiment":"neutral","sentiment_score":0.08835752308368683}],"sentiment":"neutral","sentiment_score":0.10900621023029089,"num_words":8,"start":1995.88,"end":2003.995},{"sentences":[{"text":"Absolutely.","start":2005.255,"end":2005.755,"sentiment":"neutral","sentiment_score":0.22495292127132416},{"text":"And as soon as you know you're ready to purchase a home or you're you're looking at them, feel free to let me know.","start":2005.975,"end":2011.115,"sentiment":"neutral","sentiment_score":0.1526426744336883},{"text":"We can talk about that.","start":2011.4149,"end":2012.695,"sentiment":"neutral","sentiment_score":0.20317701995372772},{"text":"We can get the insurance in place prior to your purchasing the home so you got the cover.","start":2012.695,"end":2016.8999,"sentiment":"neutral","sentiment_score":0.1729408817158805},{"text":"Or if you wanna hold off till after, that's absolutely fine.","start":2016.96,"end":2019.44,"sentiment":"neutral","sentiment_score":0.21612503582781012}],"sentiment":"neutral","sentiment_score":0.17617921139729226,"num_words":59,"start":2005.255,"end":2019.44},{"sentences":[{"text":"You let me know when you're ready, and we'll make sure we have that conversation.","start":2019.44,"end":2022.6599,"sentiment":"neutral","sentiment_score":0.22322948177655538},{"text":"Moving forward, I'll update the advice and get that out to you so we can go through that with your super.","start":2023.9199,"end":2029.22,"sentiment":"neutral","sentiment_score":0.24293709723722368},{"text":"But moving forward, I do wanna make sure that catch ups are being done a bit more regularly with you to help you understand what's happening with your super and give you more regular updates as well.","start":2029.695,"end":2038.2749,"sentiment":"neutral","sentiment_score":0.19243336650165352},{"text":"Did you wanna sort of see those every six months to begin with, or what's your preference?","start":2038.735,"end":2042.755,"sentiment":"neutral","sentiment_score":0.0688418456736733},{"text":"Yeah.","start":2046.0599,"end":2046.5399,"sentiment":"neutral","sentiment_score":0.32941198348999023}],"sentiment":"neutral","sentiment_score":0.1875810899904796,"num_words":91,"start":2019.44,"end":2046.5399},{"sentences":[{"text":"Beautiful.","start":2046.5399,"end":2047.0399,"sentiment":"positive","sentiment_score":0.495441198348999},{"text":"And if you need anything in the meantime, you can always give me a buzz.","start":2047.1,"end":2050.14,"sentiment":"neutral","sentiment_score":0.24310245513916015},{"text":"Let me know you need another conversation or update or you have additional questions.","start":2050.14,"end":2054.16,"sentiment":"neutral","sentiment_score":0.2138509526848793},{"text":"You're not limited to just the time frames.","start":2054.3,"end":2056.8552,"sentiment":"neutral","sentiment_score":0.1827978454530239},{"text":"You can call me at any time, day or night, and we'll make sure we fit you in to be able to answer any questions you have or give you an update or, you know, reassess the advice whenever you need as well there.","start":2056.8552,"end":2067.495,"sentiment":"neutral","sentiment_score":0.2483339963311499}],"sentiment":"neutral","sentiment_score":0.23810938981974997,"num_words":82,"start":2046.5399,"end":2067.495},{"sentences":[{"text":"Okay?","start":2067.495,"end":2067.995,"sentiment":"neutral","sentiment_score":0.2662941515445709},{"text":"That's okay.","start":2070.0698,"end":2070.89,"sentiment":"neutral","sentiment_score":0.22281263768672943},{"text":"The only other thing to sort of touch base on here is your...","start":2070.95,"end":2073.8499,"sentiment":"neutral","sentiment_score":0.01519451576929826},{"text":"The other side of the estate planning is doing up a will and power of attorneys.","start":2073.99,"end":2077.53,"sentiment":"neutral","sentiment_score":-0.01921784837031737},{"text":"Have you guys spoken about doing those in the past at all?","start":2077.5898,"end":2081.53,"sentiment":"neutral","sentiment_score":-0.013497586517284313}],"sentiment":"neutral","sentiment_score":0.009999807267873124,"num_words":44,"start":2067.495,"end":2081.53},{"sentences":[{"text":"Yep.","start":2081.565,"end":2082.065,"sentiment":"neutral","sentiment_score":-0.03303707391023636},{"text":"No.","start":2087.085,"end":2087.405,"sentiment":"neutral","sentiment_score":-0.09436769038438796},{"text":"That's okay.","start":2087.405,"end":2088.125,"sentiment":"positive","sentiment_score":0.42103177309036255},{"text":"It is definitely really important to do so.","start":2088.125,"end":2090.4648,"sentiment":"positive","sentiment_score":0.42446213588118553},{"text":"We are not solicitors or lawyers, so we're not able to set them up for you.","start":2090.765,"end":2094.365,"sentiment":"neutral","sentiment_score":0.0064716433771536686}],"sentiment":"neutral","sentiment_score":0.1504965058203587,"num_words":28,"start":2081.565,"end":2094.365},{"sentences":[{"text":"But we could also refer you through to a solicitor if you like.","start":2094.365,"end":2097.505,"sentiment":"neutral","sentiment_score":0.08968119122661077},{"text":"If you wanted to, I could send you through some information on costing of how much it can generally cost to set up a dual wheel just to kinda give you a bit of a guide and start that conversation.","start":2097.86,"end":2107.72,"sentiment":"neutral","sentiment_score":0.1472830928862095},{"text":"Would you like that information sent through?","start":2107.86,"end":2109.96,"sentiment":"neutral","sentiment_score":0.06331666452544076},{"text":"Yeah.","start":2112.875,"end":2113.275,"sentiment":"neutral","sentiment_score":0.0853213220834732},{"text":"Absolutely.","start":2113.275,"end":2113.775,"sentiment":"neutral","sentiment_score":0.20841343700885773}],"sentiment":"neutral","sentiment_score":0.12571178406717315,"num_words":62,"start":2094.365,"end":2113.775},{"sentences":[{"text":"Can.","start":2113.9949,"end":2114.315,"sentiment":"neutral","sentiment_score":0.15123039484024048},{"text":"Yeah.","start":2114.315,"end":2114.635,"sentiment":"neutral","sentiment_score":0.11084997653961182},{"text":"Not a problem at all.","start":2114.635,"end":2115.595,"sentiment":"neutral","sentiment_score":0.26473418772220614},{"text":"I'll get that emailed up for you there, Sandy.","start":2115.595,"end":2117.675,"sentiment":"positive","sentiment_score":0.3400573366218143},{"text":"Not a problem at all.","start":2117.675,"end":2118.955,"sentiment":"positive","sentiment_score":0.38156920075416567}],"sentiment":"neutral","sentiment_score":0.3121006353980019,"num_words":21,"start":2113.9949,"end":2118.955},{"sentences":[{"text":"Easy.","start":2118.955,"end":2119.455,"sentiment":"positive","sentiment_score":0.4475366175174713},{"text":"The only other thing to sort of look at is just sort of reassessing goals and things for you.","start":2120.955,"end":2126.02,"sentiment":"neutral","sentiment_score":0.1257931907710276},{"text":"So just going back to your annual review last year, one of the goals you had in the next sort of five years was to focus on your priority of continually growing the business and the potential to include property purchase down the track.","start":2126.02,"end":2141.335,"sentiment":"neutral","sentiment_score":0.16119477406821467},{"text":"We've sort of got the property down here as well.","start":2141.335,"end":2144.315,"sentiment":"neutral","sentiment_score":0.11333623379468918},{"text":"But does that still sound appropriate?","start":2144.4548,"end":2146.155,"sentiment":"neutral","sentiment_score":0.04566333256661892}],"sentiment":"neutral","sentiment_score":0.1417189954314381,"num_words":80,"start":2118.955,"end":2146.155},{"sentences":[{"text":"Is the business still, you know, trying to get that growing still a priority for you and your goals?","start":2146.2148,"end":2151.18,"sentiment":"neutral","sentiment_score":0.10913993682908385},{"text":"Yep.","start":2153.8198,"end":2154.3198,"sentiment":"neutral","sentiment_score":0.134718656539917},{"text":"Fantastic.","start":2155.42,"end":2155.92,"sentiment":"positive","sentiment_score":0.5998607873916626},{"text":"Yep.","start":2157.9,"end":2158.4,"sentiment":"neutral","sentiment_score":0.15863719582557678},{"text":"Beautiful.","start":2159.9,"end":2160.4,"sentiment":"positive","sentiment_score":0.7008142471313477}],"sentiment":"neutral","sentiment_score":0.15946476898439552,"num_words":23,"start":2146.2148,"end":2160.4},{"sentences":[{"text":"Fantastic.","start":2160.6199,"end":2161.1199,"sentiment":"positive","sentiment_score":0.7017897367477417},{"text":"And I've also got down here travel.","start":2161.98,"end":2163.66,"sentiment":"neutral","sentiment_score":0.32690431816237314},{"text":"In addition to that, you also want to travel a little bit more with your young family.","start":2163.66,"end":2167.4949,"sentiment":"neutral","sentiment_score":0.2503338964546428},{"text":"I believe here it looks like you were hoping to travel last year.","start":2168.135,"end":2171.335,"sentiment":"neutral","sentiment_score":0.14221493957134393},{"text":"Did you have any holidays last year?","start":2171.335,"end":2173.355,"sentiment":"neutral","sentiment_score":0.08910541076745306}],"sentiment":"neutral","sentiment_score":0.21596285096473164,"num_words":45,"start":2160.6199,"end":2173.355},{"sentences":[{"text":"Oh, nice.","start":2177.815,"end":2178.635,"sentiment":"positive","sentiment_score":0.3493111580610275},{"text":"Oh, fantastic.","start":2181.255,"end":2182.155,"sentiment":"positive","sentiment_score":0.5938290357589722},{"text":"And Thailand next month.","start":2183.44,"end":2185.06,"sentiment":"neutral","sentiment_score":0.2882108651101589},{"text":"Lovely.","start":2185.12,"end":2185.6,"sentiment":"positive","sentiment_score":0.6270087957382202},{"text":"Well, I'll definitely keep those goals on here for you.","start":2185.6,"end":2188.5,"sentiment":"positive","sentiment_score":0.6201548039913177}],"sentiment":"positive","sentiment_score":0.5193516149332649,"num_words":19,"start":2177.815,"end":2188.5},{"sentences":[{"text":"I've also got down here just with your super.","start":2189.36,"end":2191.68,"sentiment":"neutral","sentiment_score":0.07597984042432573},{"text":"You were hoping to originally look at accessing super around about age 67.","start":2191.68,"end":2196.34,"sentiment":"neutral","sentiment_score":0.043558056361059874},{"text":"I know you've got a lot of time ahead of you before that, but is that still your goal, age, to be able to maybe stop working fully in access super, or what's your plan, or what's your goal?","start":2197.095,"end":2206.635,"sentiment":"neutral","sentiment_score":0.016006332511703174},{"text":"I can give you some good news.","start":2209.1602,"end":2210.7002,"sentiment":"positive","sentiment_score":0.5439185798168182},{"text":"You can actually start working at the age of 60 and fully retire.","start":2211.0,"end":2215.4202,"sentiment":"positive","sentiment_score":0.49423362887822664}],"sentiment":"neutral","sentiment_score":0.14946651232844207,"num_words":81,"start":2189.36,"end":2215.4202},{"sentences":[{"text":"You don't have to wait till 67.","start":2215.96,"end":2217.98,"sentiment":"positive","sentiment_score":0.3791633035455431},{"text":"So you can choose 60 if you'd like to be able to retire earlier.","start":2218.6,"end":2221.9001,"sentiment":"neutral","sentiment_score":0.29411868431738447},{"text":"Alternatively, 65, regardless of whether you're working or not, your super becomes fully accessible at that point as well.","start":2222.365,"end":2229.665,"sentiment":"neutral","sentiment_score":0.19371755695656726},{"text":"Mhmm.","start":2233.645,"end":2234.145,"sentiment":"neutral","sentiment_score":-0.021734775975346565},{"text":"Yeah.","start":2237.67,"end":2238.17,"sentiment":"neutral","sentiment_score":0.01499523688107729}],"sentiment":"neutral","sentiment_score":0.2487071130557784,"num_words":42,"start":2215.96,"end":2238.17},{"sentences":[{"text":"Yeah.","start":2246.39,"end":2246.89,"sentiment":"neutral","sentiment_score":0.01755429431796074},{"text":"No.","start":2247.99,"end":2248.23,"sentiment":"neutral","sentiment_score":-0.15098914504051208},{"text":"Absolutely not.","start":2248.23,"end":2249.27,"sentiment":"neutral","sentiment_score":-0.17928611487150192},{"text":"If you like, I can put 60 as your goal.","start":2249.27,"end":2251.285,"sentiment":"neutral","sentiment_score":0.01941203512251377},{"text":"We'll work on that for you, try to build things as much as possible towards that point.","start":2251.285,"end":2255.7651,"sentiment":"neutral","sentiment_score":0.1492226952139069}],"sentiment":"neutral","sentiment_score":0.07222255127083871,"num_words":31,"start":2246.39,"end":2255.7651},{"sentences":[{"text":"And then it gives you the option.","start":2255.7651,"end":2257.045,"sentiment":"neutral","sentiment_score":0.13921522349119186},{"text":"At 60, you can decide to keep working longer or you can choose to retire.","start":2257.045,"end":2260.965,"sentiment":"neutral","sentiment_score":0.08991051564613978},{"text":"It's completely up to you.","start":2260.965,"end":2262.165,"sentiment":"neutral","sentiment_score":0.1659405529499054},{"text":"I will make it work no matter what you're after.","start":2262.165,"end":2264.345,"sentiment":"neutral","sentiment_score":0.12682678140699863},{"text":"Beautiful.","start":2267.81,"end":2268.31,"sentiment":"positive","sentiment_score":0.4708795547485352}],"sentiment":"neutral","sentiment_score":0.12873722191311812,"num_words":38,"start":2255.7651,"end":2268.31},{"sentences":[{"text":"An income in retirement, I had noted here about a thousand dollars a week was for comfort.","start":2269.25,"end":2274.1301,"sentiment":"neutral","sentiment_score":0.18602233336252325},{"text":"Is that still fairly accurate?","start":2274.1301,"end":2275.6702,"sentiment":"neutral","sentiment_score":0.11495991796255112},{"text":"Yep.","start":2279.025,"end":2279.525,"sentiment":"neutral","sentiment_score":0.15139083564281464},{"text":"Beautiful.","start":2279.585,"end":2280.085,"sentiment":"positive","sentiment_score":0.45745494961738586},{"text":"Fantastic.","start":2280.145,"end":2280.645,"sentiment":"positive","sentiment_score":0.4754228591918946}],"sentiment":"neutral","sentiment_score":0.19285791605710983,"num_words":25,"start":2269.25,"end":2280.645},{"sentences":[{"text":"I know I could change...","start":2281.6648,"end":2283.4448,"sentiment":"neutral","sentiment_score":0.008421385288238525},{"text":"Absolutely.","start":2285.505,"end":2286.005,"sentiment":"neutral","sentiment_score":0.23318597674369812},{"text":"I could definitely change.","start":2286.625,"end":2288.085,"sentiment":"neutral","sentiment_score":0.2245243676006794},{"text":"With the business, now I just sort of wanted to get a gauge on how that...","start":2288.385,"end":2291.6648,"sentiment":"neutral","sentiment_score":0.021468766673933715},{"text":"You know, what you expect or want to happen to that down the track there.","start":2291.6648,"end":2295.0,"sentiment":"neutral","sentiment_score":0.019920764366785686}],"sentiment":"neutral","sentiment_score":0.044285417216398365,"num_words":41,"start":2281.6648,"end":2295.0},{"sentences":[{"text":"So with A and G Foods, are you sort of hoping to keep that growing and, you know, keep income through retirement and still keep that, like, going to supplement super?","start":2295.0,"end":2306.28,"sentiment":"neutral","sentiment_score":0.12545359014503418},{"text":"Or what's the plan with the business down the track?","start":2306.28,"end":2308.44,"sentiment":"neutral","sentiment_score":0.058159465156495574},{"text":"Have you guys discussed what'll happen with that?","start":2308.44,"end":2311.365,"sentiment":"neutral","sentiment_score":-0.02448587818071246},{"text":"Yeah.","start":2320.305,"end":2320.805,"sentiment":"neutral","sentiment_score":0.03688809648156166},{"text":"You are very young.","start":2320.865,"end":2322.1648,"sentiment":"neutral","sentiment_score":0.08576545491814613}],"sentiment":"neutral","sentiment_score":0.08619849697721226,"num_words":54,"start":2295.0,"end":2322.1648},{"sentences":[{"text":"Yes.","start":2329.49,"end":2329.99,"sentiment":"neutral","sentiment_score":0.0098786111921072},{"text":"Okay.","start":2338.455,"end":2338.955,"sentiment":"neutral","sentiment_score":-0.03279346972703934},{"text":"Yes.","start":2343.735,"end":2344.235,"sentiment":"neutral","sentiment_score":0.050827398896217346},{"text":"Yeah.","start":2345.175,"end":2345.655,"sentiment":"neutral","sentiment_score":0.10533251613378523},{"text":"Absolutely.","start":2345.655,"end":2346.155,"sentiment":"neutral","sentiment_score":0.1744602471590042}],"sentiment":"neutral","sentiment_score":0.06154106073081493,"num_words":5,"start":2329.49,"end":2346.155},{"sentences":[{"text":"No.","start":2346.615,"end":2346.855,"sentiment":"neutral","sentiment_score":0.12613661587238312},{"text":"Perfect.","start":2346.855,"end":2347.355,"sentiment":"positive","sentiment_score":0.4903090596199035},{"text":"Fantastic.","start":2347.495,"end":2347.995,"sentiment":"positive","sentiment_score":0.6230807304382324},{"text":"Well, I'll work on your super now.","start":2348.135,"end":2349.655,"sentiment":"positive","sentiment_score":0.5406696711267743},{"text":"We'll get things a little bit cleaned up and update your portfolio, then we'll kinda go from there.","start":2349.655,"end":2354.42,"sentiment":"positive","sentiment_score":0.4425954951180352}],"sentiment":"positive","sentiment_score":0.4639618934265205,"num_words":28,"start":2346.615,"end":2354.42},{"sentences":[{"text":"And we'll keep building on all of that and work towards your goals.","start":2354.6401,"end":2357.6,"sentiment":"positive","sentiment_score":0.524290490608949},{"text":"And if you ever have questions, let me know.","start":2357.6,"end":2359.6,"sentiment":"neutral","sentiment_score":0.19919421275456747},{"text":"How does that sound, Sandeep?","start":2359.6,"end":2360.9,"sentiment":"neutral","sentiment_score":0.22183780372142792},{"text":"No.","start":2363.945,"end":2364.185,"sentiment":"neutral","sentiment_score":0.07287156581878662},{"text":"That's okay.","start":2364.185,"end":2364.7449,"sentiment":"neutral","sentiment_score":0.12734052538871765}],"sentiment":"positive","sentiment_score":0.3348421975970268,"num_words":30,"start":2354.6401,"end":2364.7449},{"sentences":[{"text":"Thank you so much for calling me back and going through that.","start":2364.7449,"end":2367.145,"sentiment":"positive","sentiment_score":0.5766517495115598},{"text":"I really appreciate the time to reassess things with you.","start":2367.145,"end":2370.605,"sentiment":"positive","sentiment_score":0.5573834717273712},{"text":"I'll...","start":2371.225,"end":2371.705,"sentiment":"neutral","sentiment_score":0.10746227949857712},{"text":"If it's okay, am I able to book you in now to go through your advice document in a couple of weeks?","start":2371.705,"end":2376.7449,"sentiment":"neutral","sentiment_score":0.08913974726403301},{"text":"Is that okay?","start":2376.7449,"end":2377.645,"sentiment":"neutral","sentiment_score":0.07924424732724826}],"sentiment":"neutral","sentiment_score":0.3083317744312808,"num_words":48,"start":2364.7449,"end":2377.645},{"sentences":[{"text":"Beautiful.","start":2380.94,"end":2381.44,"sentiment":"positive","sentiment_score":0.405670553445816},{"text":"It takes about three weeks to do so.","start":2381.82,"end":2384.06,"sentiment":"neutral","sentiment_score":0.12487433571368456},{"text":"So I'm looking at the week of the October 26.","start":2384.06,"end":2387.04,"sentiment":"neutral","sentiment_score":0.04615122824907303},{"text":"Is normally...","start":2387.98,"end":2389.2,"sentiment":"neutral","sentiment_score":0.03790615126490593},{"text":"Is there a certain day or time that suits you the best normally?","start":2389.74,"end":2392.96,"sentiment":"neutral","sentiment_score":0.05372699006245686}],"sentiment":"neutral","sentiment_score":0.07766002044081688,"num_words":34,"start":2380.94,"end":2392.96},{"sentences":[{"text":"Mhmm.","start":2398.105,"end":2398.605,"sentiment":"neutral","sentiment_score":0.0072148870676755905},{"text":"Yeah.","start":2401.465,"end":2401.705,"sentiment":"neutral","sentiment_score":-0.008979476056993008},{"text":"No.","start":2401.705,"end":2402.025,"sentiment":"neutral","sentiment_score":-0.09873916208744048},{"text":"That's...","start":2402.025,"end":2402.525,"sentiment":"neutral","sentiment_score":-0.06941168755292892},{"text":"No.","start":2402.745,"end":2403.245,"sentiment":"neutral","sentiment_score":-0.19329985976219177}],"sentiment":"neutral","sentiment_score":-0.07264305967837573,"num_words":5,"start":2398.105,"end":2403.245},{"sentences":[{"text":"You didn't mock me around at all.","start":2403.305,"end":2405.145,"sentiment":"neutral","sentiment_score":-0.31919203060013907},{"text":"You are busy, and you've got children.","start":2405.145,"end":2406.83,"sentiment":"neutral","sentiment_score":-0.19495741597243718},{"text":"Please don't ever think that.","start":2406.83,"end":2408.11,"sentiment":"neutral","sentiment_score":-0.20535728633403777},{"text":"Now you're in New South Wales, so you're an hour ahead of me.","start":2408.11,"end":2411.57,"sentiment":"neutral","sentiment_score":-0.006299780610089119},{"text":"So 02:30 your time is 01:30 my time.","start":2412.43,"end":2415.8901,"sentiment":"neutral","sentiment_score":-0.0014731010887771845}],"sentiment":"neutral","sentiment_score":-0.11798786285798997,"num_words":40,"start":2403.305,"end":2415.8901},{"sentences":[{"text":"If I was to pop it in there for, say, Wednesday, October 28, I could do from 02:30 New South Wales time.","start":2416.59,"end":2425.4448,"sentiment":"neutral","sentiment_score":0.014053600289943543},{"text":"Would that be okay?","start":2425.4448,"end":2426.505,"sentiment":"neutral","sentiment_score":0.03757184837013483},{"text":"Beautiful.","start":2429.605,"end":2430.085,"sentiment":"positive","sentiment_score":0.7233326435089111},{"text":"And I'll add a little text message reminder there for you so it does send you a message.","start":2430.085,"end":2433.845,"sentiment":"neutral","sentiment_score":0.2940032076504495},{"text":"If anything comes up, you're welcome to let me know.","start":2433.845,"end":2436.345,"sentiment":"neutral","sentiment_score":0.1574815385043621}],"sentiment":"neutral","sentiment_score":0.14635767938399857,"num_words":55,"start":2416.59,"end":2436.345},{"sentences":[{"text":"If you get to the day and you can't take the call, that's fine.","start":2436.6,"end":2439.7202,"sentiment":"neutral","sentiment_score":-0.06586578993925027},{"text":"I'll call you, and I'll send you a text message.","start":2439.7202,"end":2441.8,"sentiment":"neutral","sentiment_score":0.040639619901776315},{"text":"And you can just let me know if it's not suitable, and we can reschedule.","start":2441.8,"end":2444.86,"sentiment":"neutral","sentiment_score":-0.12224040428797404},{"text":"Okay.","start":2445.1602,"end":2445.6602,"sentiment":"neutral","sentiment_score":0.2720640301704407},{"text":"My pleasure.","start":2448.915,"end":2449.475,"sentiment":"positive","sentiment_score":0.8066369295120239}],"sentiment":"neutral","sentiment_score":-0.011047453220401491,"num_words":42,"start":2436.6,"end":2449.475},{"sentences":[{"text":"Thank you so much, Sandy.","start":2449.475,"end":2450.595,"sentiment":"positive","sentiment_score":0.8515736818313598},{"text":"You have a lovely afternoon, and I'll get working on all of this research for you.","start":2450.595,"end":2454.5151,"sentiment":"positive","sentiment_score":0.8293827772140503},{"text":"And I'll get those emails out to you as well and your beneficiaries there.","start":2454.5151,"end":2457.875,"sentiment":"positive","sentiment_score":0.5182126632758549},{"text":"My pleasure.","start":2457.875,"end":2458.615,"sentiment":"positive","sentiment_score":0.6729726791381836},{"text":"Not a problem.","start":2463.95,"end":2464.67,"sentiment":"positive","sentiment_score":0.5935134887695312}],"sentiment":"positive","sentiment_score":0.6977363988757134,"num_words":40,"start":2449.475,"end":2464.67},{"sentences":[{"text":"You have a good afternoon.","start":2464.67,"end":2465.81,"sentiment":"positive","sentiment_score":0.7420412063598633},{"text":"Enjoy time with the kids.","start":2466.03,"end":2467.41,"sentiment":"positive","sentiment_score":0.7946334481239319},{"text":"He sounds like he's ready.","start":2468.99,"end":2470.37,"sentiment":"positive","sentiment_score":0.366983437538147},{"text":"See you later.","start":2470.83,"end":2471.65,"sentiment":"positive","sentiment_score":0.3373451232910156}],"sentiment":"positive","sentiment_score":0.5850181016657088,"num_words":18,"start":2464.67,"end":2471.65}]}}]},{"alternatives":[{"transcript":"I'll pay with those because they're permanent. That's alright. I just... I've called off a different... Like, I've got another phone, so I don't know. Maybe, hopefully, that's... Alright. Let's hope so. Yeah. I can. Yep. Okay. Yep. I understand. It does. Yeah. I understand. I can see a few dips in that... In the thing as well. Yeah. I understand. Yeah. Okay. Mhmm. Yes. I understand. That makes sense. Yeah. No. No. That's okay. How does... This is just something that I got asked. And since I'm talking to you, I may as well ask, how does it work if you wanted to access your super to, you know, purchase a house or something? Is that something possible? Right. Yeah. I understand. Okay. I just... I was just curious. So the other question I had was I'm putting, like, an extra something. I can't even remember how much it is. I think it's, like, $50 or something a week. Is that worth doing, or should I... Yep. Yes. Sorry. Can you... Sorry. Can you hold on one sec? Sorry. Yeah. Sorry about that. Yeah. Yeah. He's just trying to get some markers and stuff that he's not allowed to pay with. Yeah. Okay. No. If if they come to me, I'll I'll ask. It's I think you've covered it pretty well. I've got my header... Like, obviously, you know, not into detail, but I've got my head around the juice, which I feel more comfortable with. Yeah. Exactly. Okay. Okay. No. Probably mediums. Well, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played. I don't need to borrow money to buy a property. Yeah. No. I feel pretty comfortable. Yep. Yep. That sounds good. Thank you. Yep. Yeah. It's... Have you got it spelled? It's s a l o t e, but, yeah, with the name shall. No. For now, that's okay. I mean, like, you know, once we purchase the property, it might have to change, but for now, it's okay. Well, it was still in that stage of savings, but we're looking at about twelve to eighteen months the way that we're tracking. Mhmm. No. That's fine. I've been explaining that before already. So, like, all I need to know is that that amount would just be the $4.64. Right? Yep. Correct. Yes. For now, I think we're okay, But I have discussed that, and if I do decide to take it up, I could just call you guys and go through, like, the staffing. Yeah? Yeah. Okay. Cool. Okay. I'm happy with what I've got for now. But can you just remind me to talk about income protection when I speak to you guys next, please? Mhmm. Okay. Yeah. Thank you. Thank you. Yep. Okay. Yes. So you know the, like, the balance that we looked at on the first or second page of my super currently, is that after the fee? Yep. Right. Mhmm. Gotcha. Okay. Cool. No. It's all good. You just you just have a job now of trying to get me up to that $2,000,000 so our rate can go down. Let's do it. You know what? I did do an increase. One second. I don't know exact... Hold on. Times. Two. I'm probably... What does it mean if it's gone up for me? It has gone up. I think Yeah. As of a couple of... A few weeks or maybe a couple months now, I've put it up to 80,000. The extra one? Yeah. Yeah. We'll keep it at that now because because I've increased my pay more more money's going into super in... Anyway. Right? Yeah. Look, this... Like, we consider putting money away for for the house deposit as a bill. So, like, once we put it away, we just don't think about it. So other than those savings, yeah, like, we're we're left with a little bit, but not not too much. Probably probably about the same. No. It's probably about the same. Yeah. 500 a week. Yeah. I don't even know. Probably, I think I think we're sitting at about 15. Yeah. Correct. Yeah. I mean, that's what that's what we value the business without without the the stock. Yeah. Yeah. That's the that's the... Like, he runs his taxi and all that under under that company name. No. I'm I'm put down as a stakeholder, but not, like, not a director or anything. I think it's 20 percent. Two two zero twenty. Okay. Nah. I'd probably keep it the same. Yeah. I don't have contest insurance. No. That is a tough one. Content's probably, I don't know, $30.40 grand maybe. I don't know. Have you got... Have we got a car? Is that... It's a Mazda CX five, but we don't have it under my name, though. It's under my partner's name. Yep. 40,000 at the moment. No. It's not. We owe... I think it's about 28. Yeah. Yeah. Yes. 700 a week. Yeah. Yeah. Yeah. Correct. Yeah. He's... He turns two in November. What are we in now? October. So... Yeah. Next month. Yeah. He's twenty twenty three months. Wow. You got all the age back. Can I just say? Yeah. Yeah. Sorry to cut you off, but I I got... I spoke about this quite a few times, and then I got a few phone calls about it. And then, eventually, I got some paperwork, and I I ended up mailing it. Sorry. Not mailing it. I ended up emailing it, and then I didn't hear anything. So it sounds like it hasn't been updated. If not, can I? Because it's obviously gonna be Charlotte. Can I? Can you send me something now that I can just fill it out and send it back to you? That'd be awesome. Yeah. Correct. Yep. Yeah. That's right. Yep. So it's the 09/21/2019 '90. Mhmm. Mhmm. Okay. Awesome. Yeah. I remember doing that last time as well. So... But it's all good, isn't it? That's okay. And just just a silly question. Like, if something were to happen to me, she would just contact you guys? Is that how it works? Yep. Yep. Yep. Okay. And and and moving forward, you know how the cover is, like, like, 0.5 a mil, whatever it was. If we wanted to increase it, is that something easy to do? Yep. Yes. That sounds good. Yeah. I was just asking because, like, when we do purchase a home, I just wanted to make sure I'd be covered under that, you know. Yep. Yeah. Yeah. Every six months sounds okay. Yeah. I appreciate it. Thank you. Spoken about it. Yeah. I don't... Nothing's done about it. Yeah. You can email it to me? Yeah. Awesome. Thank you. Yeah. Yeah. Yeah. We've been growing it. It's been going... Like, it's all tracking the way that I would hope so. Yeah. Yeah. We went to Fiji twice, and we're going to Thailand next month, actually. Yeah. Mhmm. Yeah. What's the age that we can access it? If I were to say 60, then, like... I mean, I know it's eight is away, but obviously, you guys get a plan, like, for returns and all that kind of stuff then. But, like, things can change along the way. Like, it doesn't really matter, does it? Mhmm. Yeah. Let's do 60. Yeah. I think so. Yeah. I mean, we'll see. It cost me. We just only got that much, so who knows? Yeah. Look. Right now, because, you know, I'm still young ish, and the aim is the aim is just to keep working on it, keep going hard. But, you know, I don't know what's gonna happen. Like, I wouldn't keep it into retirement unless, like, for example, my kids got into it or something like that. But the aim is not to sort of... Dame is to eventually sell it, I guess, you know, and then retire. Mhmm. Awesome. Thank you so much. Yep. That's fine. No problem. Just any any day, like, any weekday after 02:30. I know I said that about today, and I might be around, but usually, that's alright. That's fine. Yeah. No problem. Awesome. Thank you so much. Thank you. Alright. Thanks again for all the information, and I'll talk soon. Yeah. Thank you. Bye. Yes. 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pay with those because they're permanent. That's alright. I just... I've called off a different... Like, I've got another phone, so I don't know.\n\nMaybe, hopefully, that's... Alright. Let's hope so. Yeah. I can.\n\nYep. Okay. Yep. I understand. It does.\n\nYeah. I understand. I can see a few dips in that... In the thing as well. Yeah.\n\nI understand. Yeah. Okay. Mhmm. Yes.\n\nI understand. That makes sense. Yeah. No. No.\n\nThat's okay. How does... This is just something that I got asked. And since I'm talking to you, I may as well ask, how does it work if you wanted to access your super to, you know, purchase a house or something? Is that something possible?\n\nRight. Yeah. I understand. Okay. I just...\n\nI was just curious. So the other question I had was I'm putting, like, an extra something. I can't even remember how much it is. I think it's, like, $50 or something a week. Is that worth doing, or should I...\n\nYep. Yes. Sorry. Can you... Sorry.\n\nCan you hold on one sec? Sorry. Yeah. Sorry about that. Yeah.\n\nYeah. He's just trying to get some markers and stuff that he's not allowed to pay with. Yeah. Okay. No.\n\nIf if they come to me, I'll I'll ask. It's I think you've covered it pretty well. I've got my header... Like, obviously, you know, not into detail, but I've got my head around the juice, which I feel more comfortable with. Yeah.\n\nExactly. Okay. Okay. No. Probably mediums.\n\nWell, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played. I don't need to borrow money to buy a property. Yeah. No. I feel pretty comfortable.\n\nYep. Yep. That sounds good. Thank you. Yep.\n\nYeah. It's... Have you got it spelled? It's s a l o t e, but, yeah, with the name shall. No.\n\nFor now, that's okay. I mean, like, you know, once we purchase the property, it might have to change, but for now, it's okay. Well, it was still in that stage of savings, but we're looking at about twelve to eighteen months the way that we're tracking. Mhmm. No.\n\nThat's fine. I've been explaining that before already. So, like, all I need to know is that that amount would just be the $4.64. Right? Yep.\n\nCorrect. Yes. For now, I think we're okay, But I have discussed that, and if I do decide to take it up, I could just call you guys and go through, like, the staffing. Yeah? Yeah.\n\nOkay. Cool. Okay. I'm happy with what I've got for now. But can you just remind me to talk about income protection when I speak to you guys next, please?\n\nMhmm. Okay. Yeah. Thank you. Thank you.\n\nYep. Okay. Yes. So you know the, like, the balance that we looked at on the first or second page of my super currently, is that after the fee? Yep.\n\nRight. Mhmm. Gotcha. Okay. Cool.\n\nNo. It's all good. You just you just have a job now of trying to get me up to that $2,000,000 so our rate can go down. Let's do it. You know what?\n\nI did do an increase. One second. I don't know exact... Hold on. Times.\n\nTwo. I'm probably... What does it mean if it's gone up for me? It has gone up. I think Yeah.\n\nAs of a couple of... A few weeks or maybe a couple months now, I've put it up to 80,000. The extra one? Yeah. Yeah.\n\nWe'll keep it at that now because because I've increased my pay more more money's going into super in... Anyway. Right? Yeah. Look, this...\n\nLike, we consider putting money away for for the house deposit as a bill. So, like, once we put it away, we just don't think about it. So other than those savings, yeah, like, we're we're left with a little bit, but not not too much. Probably probably about the same. No.\n\nIt's probably about the same. Yeah. 500 a week. Yeah. I don't even know.\n\nProbably, I think I think we're sitting at about 15. Yeah. Correct. Yeah. I mean, that's what that's what we value the business without without the the stock.\n\nYeah. Yeah. That's the that's the... Like, he runs his taxi and all that under under that company name. No.\n\nI'm I'm put down as a stakeholder, but not, like, not a director or anything. I think it's 20 percent. Two two zero twenty. Okay. Nah.\n\nI'd probably keep it the same. Yeah. I don't have contest insurance. No. That is a tough one.\n\nContent's probably, I don't know, $30.40 grand maybe. I don't know. Have you got... Have we got a car? Is that...\n\nIt's a Mazda CX five, but we don't have it under my name, though. It's under my partner's name. Yep. 40,000 at the moment. No.\n\nIt's not. We owe... I think it's about 28. Yeah. Yeah.\n\nYes. 700 a week. Yeah. Yeah. Yeah.\n\nCorrect. Yeah. He's... He turns two in November. What are we in now?\n\nOctober. So... Yeah. Next month. Yeah.\n\nHe's twenty twenty three months. Wow. You got all the age back. Can I just say? Yeah.\n\nYeah. Sorry to cut you off, but I I got... I spoke about this quite a few times, and then I got a few phone calls about it. And then, eventually, I got some paperwork, and I I ended up mailing it. Sorry.\n\nNot mailing it. I ended up emailing it, and then I didn't hear anything. So it sounds like it hasn't been updated. If not, can I? Because it's obviously gonna be Charlotte.\n\nCan I? Can you send me something now that I can just fill it out and send it back to you? That'd be awesome. Yeah. Correct.\n\nYep. Yeah. That's right. Yep. So it's the 09/21/2019 '90.\n\nMhmm. Mhmm. Okay. Awesome. Yeah.\n\nI remember doing that last time as well. So... But it's all good, isn't it? That's okay. And just just a silly question.\n\nLike, if something were to happen to me, she would just contact you guys? Is that how it works? Yep. Yep. Yep.\n\nOkay. And and and moving forward, you know how the cover is, like, like, 0.5 a mil, whatever it was. If we wanted to increase it, is that something easy to do? Yep. Yes.\n\nThat sounds good. Yeah. I was just asking because, like, when we do purchase a home, I just wanted to make sure I'd be covered under that, you know. Yep. Yeah.\n\nYeah. Every six months sounds okay. Yeah. I appreciate it. Thank you.\n\nSpoken about it. Yeah. I don't... Nothing's done about it. Yeah.\n\nYou can email it to me? Yeah. Awesome. Thank you. Yeah.\n\nYeah. Yeah. We've been growing it. It's been going... Like, it's all tracking the way that I would hope so.\n\nYeah. Yeah. We went to Fiji twice, and we're going to Thailand next month, actually. Yeah. Mhmm.\n\nYeah. What's the age that we can access it? If I were to say 60, then, like... I mean, I know it's eight is away, but obviously, you guys get a plan, like, for returns and all that kind of stuff then. But, like, things can change along the way.\n\nLike, it doesn't really matter, does it? Mhmm. Yeah. Let's do 60. Yeah.\n\nI think so. Yeah. I mean, we'll see. It cost me. We just only got that much, so who knows?\n\nYeah. Look. Right now, because, you know, I'm still young ish, and the aim is the aim is just to keep working on it, keep going hard. But, you know, I don't know what's gonna happen. Like, I wouldn't keep it into retirement unless, like, for example, my kids got into it or something like that.\n\nBut the aim is not to sort of... Dame is to eventually sell it, I guess, you know, and then retire. Mhmm. Awesome. Thank you so much.\n\nYep. That's fine. No problem. Just any any day, like, any weekday after 02:30. I know I said that about today, and I might be around, but usually, that's alright.\n\nThat's fine. Yeah. No problem. Awesome. Thank you so much.\n\nThank you. Alright. Thanks again for all the information, and I'll talk soon. Yeah. Thank you.\n\nBye. Yes. Hold on.","paragraphs":[{"sentences":[{"text":"I'll pay with those because they're permanent.","start":0.08,"end":2.02,"sentiment":"neutral","sentiment_score":0.28189172063555035},{"text":"That's alright.","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":-0.08413716778159142},{"text":"I just...","start":7.2,"end":7.7599998,"sentiment":"neutral","sentiment_score":-0.05209930241107941},{"text":"I've called off a different...","start":7.7599998,"end":9.139999,"sentiment":"neutral","sentiment_score":-0.06699260100722312},{"text":"Like, I've got another phone, so I don't know.","start":9.36,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.061053170098198786}],"sentiment":"neutral","sentiment_score":0.032653102725744246,"num_words":25,"start":0.08,"end":11.679999},{"sentences":[{"text":"Maybe, hopefully, that's...","start":11.679999,"end":13.46,"sentiment":"neutral","sentiment_score":-0.03463351602355639},{"text":"Alright.","start":22.295,"end":22.795,"sentiment":"neutral","sentiment_score":0.3058256208896637},{"text":"Let's hope so.","start":22.855,"end":23.915,"sentiment":"positive","sentiment_score":0.40658482909202576},{"text":"Yeah.","start":33.879997,"end":34.379997,"sentiment":"neutral","sentiment_score":0.048373766243457794},{"text":"I can.","start":47.915,"end":48.395,"sentiment":"neutral","sentiment_score":0.10603572055697441}],"sentiment":"neutral","sentiment_score":0.16821247674524784,"num_words":10,"start":11.679999,"end":48.395},{"sentences":[{"text":"Yep.","start":48.395,"end":48.895,"sentiment":"neutral","sentiment_score":0.12438925355672836},{"text":"Okay.","start":64.72,"end":65.22,"sentiment":"neutral","sentiment_score":0.06592193245887756},{"text":"Yep.","start":69.28,"end":69.78,"sentiment":"neutral","sentiment_score":0.07727161049842834},{"text":"I understand.","start":91.83,"end":92.41,"sentiment":"neutral","sentiment_score":-0.060620661824941635},{"text":"It does.","start":109.005005,"end":109.40501,"sentiment":"neutral","sentiment_score":0.012336187064647675}],"sentiment":"neutral","sentiment_score":0.024430549570492337,"num_words":7,"start":48.395,"end":109.40501},{"sentences":[{"text":"Yeah.","start":109.40501,"end":109.645004,"sentiment":"neutral","sentiment_score":-0.024473508819937703},{"text":"I understand.","start":109.645004,"end":110.285,"sentiment":"neutral","sentiment_score":-0.02982391230762005},{"text":"I can see a few dips in that...","start":110.285,"end":112.225006,"sentiment":"neutral","sentiment_score":-0.05001741973683238},{"text":"In the thing as well.","start":112.365005,"end":114.125,"sentiment":"neutral","sentiment_score":0.017183437198400497},{"text":"Yeah.","start":114.125,"end":114.625,"sentiment":"neutral","sentiment_score":0.0892038345336914}],"sentiment":"neutral","sentiment_score":-0.018184686517890764,"num_words":17,"start":109.40501,"end":114.625},{"sentences":[{"text":"I understand.","start":193.04501,"end":193.705,"sentiment":"neutral","sentiment_score":-0.03693334572017193},{"text":"Yeah.","start":193.845,"end":194.085,"sentiment":"neutral","sentiment_score":-0.020656578242778775},{"text":"Okay.","start":194.085,"end":194.585,"sentiment":"neutral","sentiment_score":-0.004207082092761993},{"text":"Mhmm.","start":203.14,"end":203.64,"sentiment":"neutral","sentiment_score":-0.286052405834198},{"text":"Yes.","start":252.12,"end":252.62,"sentiment":"neutral","sentiment_score":0.16536767780780792}],"sentiment":"neutral","sentiment_score":-0.036569179967045784,"num_words":6,"start":193.04501,"end":252.62},{"sentences":[{"text":"I understand.","start":265.96,"end":266.62,"sentiment":"neutral","sentiment_score":0.14963555335998535},{"text":"That makes sense.","start":266.68,"end":267.56,"sentiment":"neutral","sentiment_score":0.19288388391335806},{"text":"Yeah.","start":267.56,"end":267.945,"sentiment":"neutral","sentiment_score":0.1934323012828827},{"text":"No.","start":273.465,"end":273.785,"sentiment":"neutral","sentiment_score":-0.059163667261600494},{"text":"No.","start":273.785,"end":273.945,"sentiment":"neutral","sentiment_score":-0.06927184760570526}],"sentiment":"neutral","sentiment_score":0.11786494310945272,"num_words":8,"start":265.96,"end":273.945},{"sentences":[{"text":"That's okay.","start":273.945,"end":274.845,"sentiment":"neutral","sentiment_score":-0.023382951505482197},{"text":"How does...","start":276.98502,"end":277.64502,"sentiment":"neutral","sentiment_score":0.009051457978785038},{"text":"This is just something that I got asked.","start":277.70502,"end":279.785,"sentiment":"neutral","sentiment_score":0.012383018154650927},{"text":"And since I'm talking to you, I may as well ask, how does it work if you wanted to access your super to, you know, purchase a house or something?","start":279.785,"end":292.78,"sentiment":"neutral","sentiment_score":-0.005312757597615321},{"text":"Is that something possible?","start":292.78,"end":294.08,"sentiment":"neutral","sentiment_score":0.013921497389674187}],"sentiment":"neutral","sentiment_score":-0.0007238169605641261,"num_words":46,"start":273.945,"end":294.08},{"sentences":[{"text":"Right.","start":304.135,"end":304.635,"sentiment":"neutral","sentiment_score":0.015796147286891937},{"text":"Yeah.","start":331.855,"end":332.01498,"sentiment":"neutral","sentiment_score":0.038707684725522995},{"text":"I understand.","start":332.01498,"end":332.755,"sentiment":"neutral","sentiment_score":0.030101274140179157},{"text":"Okay.","start":332.815,"end":333.135,"sentiment":"neutral","sentiment_score":0.01714416593313217},{"text":"I just...","start":333.135,"end":333.455,"sentiment":"neutral","sentiment_score":-0.009019993245601654}],"sentiment":"neutral","sentiment_score":0.01625865139067173,"num_words":7,"start":304.135,"end":333.455},{"sentences":[{"text":"I was just curious.","start":333.455,"end":334.415,"sentiment":"neutral","sentiment_score":-0.027866147458553314},{"text":"So the other question I had was I'm putting, like, an extra something.","start":334.415,"end":340.65997,"sentiment":"neutral","sentiment_score":-0.03260313504590438},{"text":"I can't even remember how much it is.","start":340.65997,"end":341.82,"sentiment":"neutral","sentiment_score":-0.08236290793865919},{"text":"I think it's, like, $50 or something a week.","start":341.82,"end":343.69998,"sentiment":"neutral","sentiment_score":-0.02653576537138886},{"text":"Is that worth doing, or should I...","start":343.69998,"end":346.03998,"sentiment":"neutral","sentiment_score":0.004576092053736959}],"sentiment":"neutral","sentiment_score":-0.034170679339184995,"num_words":41,"start":333.455,"end":346.03998},{"sentences":[{"text":"Yep.","start":350.18,"end":350.68,"sentiment":"neutral","sentiment_score":0.19432759284973145},{"text":"Yes.","start":359.48502,"end":359.98502,"sentiment":"neutral","sentiment_score":0.24113696813583377},{"text":"Sorry.","start":368.68,"end":369.0,"sentiment":"neutral","sentiment_score":0.023727694526314735},{"text":"Can you...","start":369.0,"end":369.48,"sentiment":"neutral","sentiment_score":0.03308459650725126},{"text":"Sorry.","start":369.48,"end":369.72,"sentiment":"neutral","sentiment_score":-0.003997675143182278}],"sentiment":"neutral","sentiment_score":0.08689396223053336,"num_words":6,"start":350.18,"end":369.72},{"sentences":[{"text":"Can you hold on one sec?","start":369.72,"end":371.24,"sentiment":"neutral","sentiment_score":0.013467539877941212},{"text":"Sorry.","start":371.24,"end":371.74,"sentiment":"neutral","sentiment_score":0.03504934906959534},{"text":"Yeah.","start":386.765,"end":387.005,"sentiment":"neutral","sentiment_score":0.0843309685587883},{"text":"Sorry about that.","start":387.005,"end":387.985,"sentiment":"neutral","sentiment_score":0.0866604894399643},{"text":"Yeah.","start":393.165,"end":393.405,"sentiment":"neutral","sentiment_score":0.0501655638217926}],"sentiment":"neutral","sentiment_score":0.042527715753143035,"num_words":12,"start":369.72,"end":393.405},{"sentences":[{"text":"Yeah.","start":393.405,"end":393.725,"sentiment":"neutral","sentiment_score":0.03528968244791031},{"text":"He's just trying to get some markers and stuff that he's not allowed to pay with.","start":393.725,"end":397.97998,"sentiment":"neutral","sentiment_score":-0.005003551719710231},{"text":"Yeah.","start":400.76,"end":401.26,"sentiment":"neutral","sentiment_score":0.06274701654911041},{"text":"Okay.","start":422.05502,"end":422.31,"sentiment":"positive","sentiment_score":0.5881327986717224},{"text":"No.","start":433.43,"end":433.66998,"sentiment":"neutral","sentiment_score":0.04136127978563309}],"sentiment":"neutral","sentiment_score":0.032373697496950626,"num_words":20,"start":393.405,"end":433.66998},{"sentences":[{"text":"If if they come to me, I'll I'll ask.","start":433.66998,"end":435.83,"sentiment":"neutral","sentiment_score":0.03429277386102411},{"text":"It's I think you've covered it pretty well.","start":435.83,"end":438.145,"sentiment":"neutral","sentiment_score":0.04010280908551067},{"text":"I've got my header...","start":438.145,"end":439.125,"sentiment":"neutral","sentiment_score":0.03289083205163479},{"text":"Like, obviously, you know, not into detail, but I've got my head around the juice, which I feel more comfortable with.","start":439.185,"end":446.245,"sentiment":"neutral","sentiment_score":0.1246824949270203},{"text":"Yeah.","start":468.605,"end":468.92502,"sentiment":"neutral","sentiment_score":0.1187049150466919}],"sentiment":"neutral","sentiment_score":0.08135018777102232,"num_words":43,"start":433.66998,"end":468.92502},{"sentences":[{"text":"Exactly.","start":468.92502,"end":469.42502,"sentiment":"neutral","sentiment_score":0.1126667857170105},{"text":"Okay.","start":491.085,"end":491.585,"sentiment":"neutral","sentiment_score":0.06672048568725586},{"text":"Okay.","start":499.0725,"end":499.5725,"sentiment":"neutral","sentiment_score":0.040523044764995575},{"text":"No.","start":509.86,"end":510.36,"sentiment":"neutral","sentiment_score":-0.07548775523900986},{"text":"Probably mediums.","start":539.44,"end":540.42004,"sentiment":"neutral","sentiment_score":-0.01740593370050192}],"sentiment":"neutral","sentiment_score":0.018268448921541374,"num_words":6,"start":468.92502,"end":540.42004},{"sentences":[{"text":"Well, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played.","start":578.10504,"end":586.84503,"sentiment":"neutral","sentiment_score":-0.04676701221615076},{"text":"I don't need to borrow money to buy a property.","start":606.95996,"end":608.775,"sentiment":"neutral","sentiment_score":-0.0918881542980671},{"text":"Yeah.","start":617.09503,"end":617.59503,"sentiment":"neutral","sentiment_score":0.08910293132066727},{"text":"No.","start":650.87,"end":651.11,"sentiment":"neutral","sentiment_score":-0.10748667269945145},{"text":"I feel pretty 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you.","start":693.685,"end":694.16504,"sentiment":"positive","sentiment_score":0.5460294485092163},{"text":"Yep.","start":694.16504,"end":694.66504,"sentiment":"neutral","sentiment_score":0.2051311731338501}],"sentiment":"positive","sentiment_score":0.3754606060683727,"num_words":8,"start":663.11,"end":694.66504},{"sentences":[{"text":"Yeah.","start":736.86,"end":737.36,"sentiment":"neutral","sentiment_score":0.005303975660353899},{"text":"It's...","start":737.42,"end":737.92,"sentiment":"neutral","sentiment_score":-0.0007238661637529731},{"text":"Have you got it spelled?","start":738.38,"end":739.5,"sentiment":"neutral","sentiment_score":-0.005353526864200831},{"text":"It's s a l o t e, but, yeah, with the name shall.","start":739.5,"end":743.345,"sentiment":"neutral","sentiment_score":0.005908697216699903},{"text":"No.","start":775.09503,"end":775.335,"sentiment":"neutral","sentiment_score":-0.221098393201828}],"sentiment":"neutral","sentiment_score":-0.007927278771863453,"num_words":21,"start":736.86,"end":775.335},{"sentences":[{"text":"For now, that's okay.","start":775.335,"end":776.455,"sentiment":"neutral","sentiment_score":-0.1460826201364398},{"text":"I mean, like, you know, once we purchase the property, it might have to change, but for now, it's okay.","start":776.455,"end":782.075,"sentiment":"neutral","sentiment_score":-0.0702816354110837},{"text":"Well, it was still in that stage of savings, but we're looking at about twelve to eighteen months the way that we're tracking.","start":790.23004,"end":796.57,"sentiment":"neutral","sentiment_score":-0.010893758305388948},{"text":"Mhmm.","start":818.17,"end":818.67,"sentiment":"neutral","sentiment_score":-0.08011886477470398},{"text":"No.","start":836.315,"end":836.635,"sentiment":"neutral","sentiment_score":-0.026862548664212227}],"sentiment":"neutral","sentiment_score":-0.04790818455572031,"num_words":49,"start":775.335,"end":836.635},{"sentences":[{"text":"That's fine.","start":836.635,"end":837.455,"sentiment":"neutral","sentiment_score":0.07596279308199883},{"text":"I've been explaining that before already.","start":838.52,"end":840.36,"sentiment":"neutral","sentiment_score":0.16741270820299783},{"text":"So, like, all I need to know is that that amount would just be the $4.64.","start":840.36,"end":845.72003,"sentiment":"neutral","sentiment_score":0.10152396699413657},{"text":"Right?","start":845.72003,"end":846.22003,"sentiment":"neutral","sentiment_score":0.04556659609079361},{"text":"Yep.","start":848.44,"end":848.94,"sentiment":"neutral","sentiment_score":0.30831870436668396}],"sentiment":"neutral","sentiment_score":0.12056425414406337,"num_words":26,"start":836.635,"end":848.94},{"sentences":[{"text":"Correct.","start":861.91504,"end":862.315,"sentiment":"neutral","sentiment_score":0.06765218824148178},{"text":"Yes.","start":862.315,"end":862.815,"sentiment":"neutral","sentiment_score":0.08816792070865631},{"text":"For now, I think we're okay, But I have discussed that, and if I do decide to take it up, I could just call you guys and go through, like, the staffing.","start":878.18,"end":889.225,"sentiment":"neutral","sentiment_score":0.013871500530513003},{"text":"Yeah?","start":889.285,"end":889.785,"sentiment":"neutral","sentiment_score":0.017435353249311447},{"text":"Yeah.","start":890.005,"end":890.505,"sentiment":"neutral","sentiment_score":0.03435949608683586}],"sentiment":"neutral","sentiment_score":0.018097304868408375,"num_words":36,"start":861.91504,"end":890.505},{"sentences":[{"text":"Okay.","start":906.01,"end":906.49005,"sentiment":"neutral","sentiment_score":0.1457725167274475},{"text":"Cool.","start":906.49005,"end":906.99005,"sentiment":"neutral","sentiment_score":0.2655925452709198},{"text":"Okay.","start":938.265,"end":938.765,"sentiment":"neutral","sentiment_score":-0.05277176573872566},{"text":"I'm happy with what I've got for now.","start":943.065,"end":945.245,"sentiment":"positive","sentiment_score":0.6114015430212021},{"text":"But can you just remind me to talk about income protection when I speak to you guys next, please?","start":945.305,"end":951.82,"sentiment":"neutral","sentiment_score":0.08240470897994544}],"sentiment":"neutral","sentiment_score":0.22718317036827404,"num_words":30,"start":906.01,"end":951.82},{"sentences":[{"text":"Mhmm.","start":971.395,"end":971.895,"sentiment":"neutral","sentiment_score":0.055609434843063354},{"text":"Okay.","start":988.2,"end":988.7,"sentiment":"neutral","sentiment_score":0.1688670665025711},{"text":"Yeah.","start":988.76,"end":989.08,"sentiment":"neutral","sentiment_score":0.2630263864994049},{"text":"Thank you.","start":989.08,"end":989.82,"sentiment":"positive","sentiment_score":0.47267165780067444},{"text":"Thank you.","start":1023.275,"end":1023.995,"sentiment":"positive","sentiment_score":0.4510308504104614}],"sentiment":"positive","sentiment_score":0.3335582720381873,"num_words":7,"start":971.395,"end":1023.995},{"sentences":[{"text":"Yep.","start":1023.995,"end":1024.495,"sentiment":"neutral","sentiment_score":0.2040167897939682},{"text":"Okay.","start":1043.05,"end":1043.55,"sentiment":"neutral","sentiment_score":0.041865237057209015},{"text":"Yes.","start":1195.2849,"end":1195.605,"sentiment":"neutral","sentiment_score":0.10078467428684236},{"text":"So you know the, like, the balance that we looked at on the first or second page of my super currently, is that after the fee?","start":1195.605,"end":1204.67,"sentiment":"neutral","sentiment_score":0.057990253114929564},{"text":"Yep.","start":1208.0901,"end":1208.5901,"sentiment":"neutral","sentiment_score":0.05403825640678406}],"sentiment":"neutral","sentiment_score":0.06361505128443241,"num_words":30,"start":1023.995,"end":1208.5901},{"sentences":[{"text":"Right.","start":1213.77,"end":1214.27,"sentiment":"neutral","sentiment_score":0.050511058419942856},{"text":"Mhmm.","start":1227.825,"end":1227.9049,"sentiment":"neutral","sentiment_score":0.07116852700710297},{"text":"Gotcha.","start":1227.9049,"end":1228.4049,"sentiment":"neutral","sentiment_score":0.1218518242239952},{"text":"Okay.","start":1228.465,"end":1228.7849,"sentiment":"neutral","sentiment_score":0.21848872303962708},{"text":"Cool.","start":1228.7849,"end":1229.2849,"sentiment":"positive","sentiment_score":0.3612140417098999}],"sentiment":"neutral","sentiment_score":0.1646468348801136,"num_words":5,"start":1213.77,"end":1229.2849},{"sentences":[{"text":"No.","start":1235.1,"end":1235.4199,"sentiment":"neutral","sentiment_score":-0.08625742048025131},{"text":"It's all good.","start":1235.4199,"end":1236.0599,"sentiment":"neutral","sentiment_score":0.10063890802363555},{"text":"You just you just have a job now of trying to get me up to that $2,000,000 so our rate can go down.","start":1236.0599,"end":1241.805,"sentiment":"neutral","sentiment_score":0.017539626554302547},{"text":"Let's do it.","start":1250.285,"end":1251.3451,"sentiment":"neutral","sentiment_score":0.21803573767344156},{"text":"You know what?","start":1264.38,"end":1265.2001,"sentiment":"neutral","sentiment_score":-0.015873146553834278}],"sentiment":"neutral","sentiment_score":0.03713813599086169,"num_words":33,"start":1235.1,"end":1265.2001},{"sentences":[{"text":"I did do an increase.","start":1265.9801,"end":1268.0,"sentiment":"neutral","sentiment_score":0.028032878786325453},{"text":"One second.","start":1268.4601,"end":1269.36,"sentiment":"neutral","sentiment_score":-0.012322641443461181},{"text":"I don't know 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do?","start":1899.765,"end":1904.425,"sentiment":"neutral","sentiment_score":0.16208958812057972},{"text":"Yep.","start":1918.28,"end":1918.78,"sentiment":"neutral","sentiment_score":0.21616467833518985},{"text":"Yes.","start":1946.91,"end":1947.41,"sentiment":"neutral","sentiment_score":0.04933041334152222}],"sentiment":"neutral","sentiment_score":0.09888503103352644,"num_words":34,"start":1892.03,"end":1947.41},{"sentences":[{"text":"That sounds good.","start":1995.15,"end":1995.9501,"sentiment":"positive","sentiment_score":0.4804828464984894},{"text":"Yeah.","start":1995.9501,"end":1996.1901,"sentiment":"neutral","sentiment_score":0.2046690285205841},{"text":"I was just asking because, like, when we do purchase a home, I just wanted to make sure I'd be covered under that, you know.","start":1996.1901,"end":2009.085,"sentiment":"neutral","sentiment_score":0.07815563544631005},{"text":"Yep.","start":2021.7999,"end":2022.2999,"sentiment":"neutral","sentiment_score":0.16022281348705292},{"text":"Yeah.","start":2043.075,"end":2043.315,"sentiment":"neutral","sentiment_score":0.09306538105010986}],"sentiment":"neutral","sentiment_score":0.12429989189390213,"num_words":31,"start":1995.15,"end":2043.315},{"sentences":[{"text":"Yeah.","start":2043.315,"end":2043.715,"sentiment":"neutral","sentiment_score":0.10784067213535307},{"text":"Every six months sounds okay.","start":2043.715,"end":2045.235,"sentiment":"neutral","sentiment_score":0.12387645244598389},{"text":"Yeah.","start":2045.235,"end":2045.735,"sentiment":"neutral","sentiment_score":0.19522756338119507},{"text":"I appreciate it.","start":2068.025,"end":2068.905,"sentiment":"positive","sentiment_score":0.5222716629505157},{"text":"Thank you.","start":2068.905,"end":2069.645,"sentiment":"positive","sentiment_score":0.4774572551250458}],"sentiment":"neutral","sentiment_score":0.2870149997373422,"num_words":12,"start":2043.315,"end":2069.645},{"sentences":[{"text":"Spoken about it.","start":2082.43,"end":2083.39,"sentiment":"neutral","sentiment_score":-0.10414774715900421},{"text":"Yeah.","start":2083.39,"end":2083.89,"sentiment":"neutral","sentiment_score":-0.12566258013248444},{"text":"I don't...","start":2083.95,"end":2084.43,"sentiment":"neutral","sentiment_score":-0.16507380455732346},{"text":"Nothing's done about it.","start":2084.43,"end":2085.97,"sentiment":"neutral","sentiment_score":-0.2617248184978962},{"text":"Yeah.","start":2110.39,"end":2110.71,"sentiment":"neutral","sentiment_score":0.03364976495504379}],"sentiment":"neutral","sentiment_score":-0.16195481270551682,"num_words":11,"start":2082.43,"end":2110.71},{"sentences":[{"text":"You can email it to me?","start":2110.71,"end":2112.0898,"sentiment":"neutral","sentiment_score":0.0447560449441274},{"text":"Yeah.","start":2114.705,"end":2115.205,"sentiment":"neutral","sentiment_score":0.10806970298290253},{"text":"Awesome.","start":2115.3452,"end":2115.8452,"sentiment":"positive","sentiment_score":0.5307109355926514},{"text":"Thank you.","start":2116.225,"end":2116.965,"sentiment":"positive","sentiment_score":0.6164604723453522},{"text":"Yeah.","start":2151.7952,"end":2152.0352,"sentiment":"neutral","sentiment_score":0.08103026449680328}],"sentiment":"neutral","sentiment_score":0.20193346522071146,"num_words":11,"start":2110.71,"end":2152.0352},{"sentences":[{"text":"Yeah.","start":2152.0352,"end":2152.2751,"sentiment":"neutral","sentiment_score":0.09072113037109376},{"text":"Yeah.","start":2152.2751,"end":2152.595,"sentiment":"neutral","sentiment_score":0.113783061504364},{"text":"We've been growing it.","start":2152.595,"end":2153.955,"sentiment":"neutral","sentiment_score":0.20164183154702187},{"text":"It's been going...","start":2153.955,"end":2154.7751,"sentiment":"neutral","sentiment_score":0.10097058365742366},{"text":"Like, it's all tracking the way that I would hope so.","start":2154.835,"end":2158.195,"sentiment":"positive","sentiment_score":0.419302452694286}],"sentiment":"neutral","sentiment_score":0.2963155124336481,"num_words":20,"start":2152.0352,"end":2158.195},{"sentences":[{"text":"Yeah.","start":2158.195,"end":2158.62,"sentiment":"positive","sentiment_score":0.3468858599662781},{"text":"Yeah.","start":2174.035,"end":2174.2751,"sentiment":"neutral","sentiment_score":0.0923801213502884},{"text":"We went to Fiji twice, and we're going to Thailand next month, actually.","start":2174.2751,"end":2180.135,"sentiment":"neutral","sentiment_score":0.18768595846799704},{"text":"Yeah.","start":2183.395,"end":2183.895,"sentiment":"neutral","sentiment_score":0.2669498324394226},{"text":"Mhmm.","start":2189.4,"end":2189.9,"sentiment":"neutral","sentiment_score":0.054962046444416046}],"sentiment":"neutral","sentiment_score":0.1882997247226098,"num_words":17,"start":2158.195,"end":2189.9},{"sentences":[{"text":"Yeah.","start":2205.385,"end":2205.625,"sentiment":"neutral","sentiment_score":0.017599254846572876},{"text":"What's the age that we can access it?","start":2205.625,"end":2208.125,"sentiment":"neutral","sentiment_score":0.02174315054435283},{"text":"If I were to say 60, then, like...","start":2230.485,"end":2234.2651,"sentiment":"neutral","sentiment_score":-0.007662314223125577},{"text":"I mean, I know it's eight is away, but obviously, you guys get a plan, like, for returns and all that kind of stuff then.","start":2234.405,"end":2242.98,"sentiment":"neutral","sentiment_score":0.0074528055265545845},{"text":"But, like, things can change along the way.","start":2242.98,"end":2245.0598,"sentiment":"neutral","sentiment_score":-0.003413706785067916}],"sentiment":"neutral","sentiment_score":0.005785128585994243,"num_words":50,"start":2205.385,"end":2245.0598},{"sentences":[{"text":"Like, it doesn't really matter, does it?","start":2245.0598,"end":2247.16,"sentiment":"neutral","sentiment_score":0.01824459819389241},{"text":"Mhmm.","start":2256.1948,"end":2256.6948,"sentiment":"neutral","sentiment_score":0.1099185049533844},{"text":"Yeah.","start":2264.9949,"end":2265.315,"sentiment":"neutral","sentiment_score":0.08189811557531357},{"text":"Let's do 60.","start":2265.315,"end":2266.295,"sentiment":"neutral","sentiment_score":0.11927178750435512},{"text":"Yeah.","start":2276.48,"end":2276.8,"sentiment":"neutral","sentiment_score":0.05435241386294365}],"sentiment":"neutral","sentiment_score":0.05628435263553491,"num_words":13,"start":2245.0598,"end":2276.8},{"sentences":[{"text":"I think so.","start":2276.8,"end":2277.44,"sentiment":"neutral","sentiment_score":0.05514611552158991},{"text":"Yeah.","start":2277.44,"end":2277.94,"sentiment":"neutral","sentiment_score":0.08797325193881989},{"text":"I mean, we'll see.","start":2280.4949,"end":2281.4548,"sentiment":"neutral","sentiment_score":0.15256025083363056},{"text":"It cost me.","start":2281.4548,"end":2282.015,"sentiment":"neutral","sentiment_score":0.02928575997551282},{"text":"We just only got that much, so who knows?","start":2282.015,"end":2284.355,"sentiment":"neutral","sentiment_score":0.011836346652772691}],"sentiment":"neutral","sentiment_score":0.05290185008198023,"num_words":20,"start":2276.8,"end":2284.355},{"sentences":[{"text":"Yeah.","start":2288.575,"end":2289.075,"sentiment":"neutral","sentiment_score":0.027719642966985703},{"text":"Look.","start":2313.055,"end":2313.455,"sentiment":"neutral","sentiment_score":-0.0009424034506082536},{"text":"Right now, because, you know, I'm still young ish, and the aim is the aim is just to keep working on it, keep going hard.","start":2313.455,"end":2328.1301,"sentiment":"neutral","sentiment_score":0.05152865127369296},{"text":"But, you know, I don't know what's gonna happen.","start":2329.6301,"end":2331.95,"sentiment":"neutral","sentiment_score":-0.10027651571565205},{"text":"Like, I wouldn't keep it into retirement unless, like, for example, my kids got into it or something like that.","start":2331.95,"end":2337.71,"sentiment":"neutral","sentiment_score":-0.06622453015297651}],"sentiment":"neutral","sentiment_score":-0.016285459341816022,"num_words":56,"start":2288.575,"end":2337.71},{"sentences":[{"text":"But the aim is not to sort of...","start":2337.71,"end":2340.485,"sentiment":"neutral","sentiment_score":-0.044529737904667854},{"text":"Dame is to eventually sell it, I guess, you know, and then retire.","start":2340.485,"end":2343.7852,"sentiment":"neutral","sentiment_score":-0.05825049387147793},{"text":"Mhmm.","start":2355.1099,"end":2355.6099,"sentiment":"positive","sentiment_score":0.41966766119003296},{"text":"Awesome.","start":2361.5098,"end":2361.99,"sentiment":"positive","sentiment_score":0.566461443901062},{"text":"Thank you so much.","start":2361.99,"end":2363.13,"sentiment":"positive","sentiment_score":0.5837522894144058}],"sentiment":"neutral","sentiment_score":0.08176459034008009,"num_words":27,"start":2337.71,"end":2363.13},{"sentences":[{"text":"Yep.","start":2378.0752,"end":2378.395,"sentiment":"neutral","sentiment_score":0.09647510945796968},{"text":"That's fine.","start":2378.395,"end":2378.875,"sentiment":"neutral","sentiment_score":0.17458931356668472},{"text":"No problem.","start":2378.875,"end":2379.5352,"sentiment":"neutral","sentiment_score":0.28367947041988373},{"text":"Just any any day, like, any weekday after 02:30.","start":2393.835,"end":2398.575,"sentiment":"neutral","sentiment_score":0.018668948465751276},{"text":"I know I said that about today, and I might be around, but usually, that's alright.","start":2398.635,"end":2402.655,"sentiment":"neutral","sentiment_score":-0.016692708421032876}],"sentiment":"neutral","sentiment_score":0.030464995962878067,"num_words":30,"start":2378.0752,"end":2402.655},{"sentences":[{"text":"That's fine.","start":2427.005,"end":2427.565,"sentiment":"neutral","sentiment_score":0.16927101463079453},{"text":"Yeah.","start":2427.565,"end":2427.885,"sentiment":"neutral","sentiment_score":0.18387800455093384},{"text":"No problem.","start":2427.885,"end":2428.545,"sentiment":"positive","sentiment_score":0.4245685786008835},{"text":"Awesome.","start":2445.9102,"end":2446.3901,"sentiment":"positive","sentiment_score":0.7325680255889893},{"text":"Thank you so much.","start":2446.3901,"end":2447.53,"sentiment":"positive","sentiment_score":0.8091723769903183}],"sentiment":"positive","sentiment_score":0.5340814724564552,"num_words":10,"start":2427.005,"end":2447.53},{"sentences":[{"text":"Thank you.","start":2455.285,"end":2456.025,"sentiment":"positive","sentiment_score":0.5173473358154297},{"text":"Alright.","start":2459.525,"end":2459.925,"sentiment":"positive","sentiment_score":0.48566874861717224},{"text":"Thanks again for all the information, and I'll talk soon.","start":2459.925,"end":2462.7449,"sentiment":"positive","sentiment_score":0.7009675323963165},{"text":"Yeah.","start":2468.07,"end":2468.3901,"sentiment":"positive","sentiment_score":0.4483731985092163},{"text":"Thank you.","start":2468.3901,"end":2469.03,"sentiment":"positive","sentiment_score":0.6019307076931}],"sentiment":"positive","sentiment_score":0.6363920848816633,"num_words":16,"start":2455.285,"end":2469.03},{"sentences":[{"text":"Bye.","start":2469.03,"end":2469.53,"sentiment":"neutral","sentiment_score":0.29581114649772644},{"text":"Yes.","start":2471.67,"end":2471.99,"sentiment":"neutral","sentiment_score":0.1025538444519043},{"text":"Hold on.","start":2471.99,"end":2472.73,"sentiment":"neutral","sentiment_score":-0.047084435820579536}],"sentiment":"neutral","sentiment_score":0.07604902982711792,"num_words":4,"start":2469.03,"end":2472.73}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I'll pay with those because they're permanent.\n\nChannel 0: Hi, Sandeep. Is that... So sorry.\n\nChannel 1: That's alright. I just... I've called off a different... Like, I've got another phone, so I don't know. Maybe, hopefully, that's...\n\nChannel 0: No. That's okay. I'm doing the same thing. So I turned my mobile on with our phone app, so I'm hoping that that might make it a bit easier for you.\n\nChannel 1: Alright.\n\nChannel 0: All good.\n\nChannel 1: Let's hope so.\n\nChannel 0: Yeah. All good. So just double checking. Now we... We're looking at that Vanguard index chart, which is the next document along.\n\nIs that the one that you can see there?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So with that one there, if you look on this side on on mine, it's the right hand side, you'll see The US shares, Australian shares, international shares, and listed property. Can you see those investments added there?\n\nChannel 1: I can. Yep.\n\nChannel 0: Yeah. So those are essentially what we call growth assets. In your growth portfolio, you've got about 80% invested in these sorts of investments. And the idea is these are the ones that get great growth or get the best returns over longer term there. If you\n\nChannel 1: Okay.\n\nChannel 0: sort of, as an example, take The US shares, this document\n\nChannel 1: Yep.\n\nChannel 0: shows that investing $10,000 back in 1996 and letting that fit in the investment over time, you know, re... Reinvesting any growth and income that's been distributed, it would have turned $10,000 into over 218,000. So it's giving you an annual compound of return of 10.8%. And that's\n\nChannel 1: I understand.\n\nChannel 0: why these investments get better long term growth and returns, but they also see the ups and downs that can make us quite nervous. Like, sitting in that over the last thirty years, you've gone through some big ups and downs in the market there. Does that make sense?\n\nChannel 1: It does. Yeah. I understand. I can see a few dips in that... In the thing\n\nChannel 0: Yeah.\n\nChannel 1: as well. Yeah.\n\nChannel 0: Yeah. Yeah. So what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds. And you can sort of see those bonds underneath that. That's the defensive investment, so it's lower risk.\n\nIt's expected to get a lower rate of return, but you wanna have some sort of investments of these in there because when, say, equities aren't doing so well, these investments tend to smooth out market returns. They have a very steady kind of track record. And you can see 10,000 in bonds over the last thirty years has averaged 5.2%, so it's only turned it into $45,000 there. And that's because it gets a lower rate of return, but it doesn't see the ups and downs or what we call volatility very much. It doesn't go through that drastic up and down kind of feeling.\n\nSo because you're younger, we wanna be able to take... Or you're able to take a bit more risk in the market, have more of these growth investments in your portfolio and less of these defensive investments. But as you get older and closer to accessing your super, that's when you start to feel a bit more nervous. And when you're roughly about six years away from accessing super, then we start to decrease the exposure into these growth assets and increase the exposure into those defensive lower risk investments. Does that make sense?\n\nChannel 1: I understand. Yeah. Okay.\n\nChannel 0: Yeah. Yeah. So with that growth environment you're in at the moment, it suits someone who has at least six years before accessing their super. The likelihood\n\nChannel 1: Mhmm.\n\nChannel 0: of a negative return because we understand with the ups and downs, the risk of a negative return is around about one in every five odd years, and you're looking to try and average around about a seven to 9% return on a yearly basis and compounding that over time with the volatility, the... You know, with the ups and downs the market can see with that seven to 9%, essentially, some years you'll get a much greater return. It might be ten, eleven, 20% return, whereas other years it might be lower like this year where it's a 4% return. And we just wanna kinda keep reviewing that, take advantage of the down times, and, yeah, enjoy the good times. And over the next, you know, twenty odd years, keep your super compounding working forward.\n\nSo it's also important to update\n\nChannel 1: Yes.\n\nChannel 0: those investments every so often as well because a portfolio that was good a couple of years ago might need to be rejigged or just updated now. And then and then in the future, we update portfolios again. Does that make sense?\n\nChannel 1: I understand. That makes sense. Yeah.\n\nChannel 0: Yeah. Beautiful. Do you have more questions there? You're welcome to let me know if you do.\n\nChannel 1: No. No. That's okay. How does... This is just something that I got asked.\n\nAnd since I'm talking to you,\n\nChannel 0: Yeah.\n\nChannel 1: I may\n\nChannel 0: Yeah.\n\nChannel 1: as well ask, how does it work if you\n\nChannel 0: Mhmm.\n\nChannel 1: wanted to access your super to, you know, purchase a house or something? Is that something possible?\n\nChannel 0: It's not at the moment. So they used to have ways in which you could open a cell phone. It's super fun to do so, but you can't own the house and live in the house, essentially. With\n\nChannel 1: Right.\n\nChannel 0: the way your super is at the moment, you can't technically access it to purchase a home. The only way at the moment is if you're a first home buyer, you can look to contribute more to super and utilize first home super saver scheme where you put more money into super by way of contributions similar to your employer contributions. You build that up to a certain extent, and then you can draw some of that money out to help you with the deposit.\n\nChannel 1: Yeah. I understand. Okay. I just... I was just curious.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: the other question I had was I'm putting, like, an extra something. I can't even remember how much it is. I think it's, like, $50 or something a week. Is that\n\nChannel 0: Yes.\n\nChannel 1: worth doing, or should I...\n\nChannel 0: Yeah. Absolutely. Definitely worth doing. So that $50\n\nChannel 1: Yep.\n\nChannel 0: per week now compounds really well over time. So one of the things I like to look at, if you think about putting, you know, $20 in and then you get\n\nChannel 1: Yes.\n\nChannel 0: a 100% return, that $20 turns to $40 and then $60. By starting that now and compounding that over the next twenty odd years, you end\n\nChannel 1: Sorry.\n\nChannel 0: up\n\nChannel 1: Can\n\nChannel 0: with\n\nChannel 1: you...\n\nChannel 0: a much\n\nChannel 1: Sorry.\n\nChannel 0: greater\n\nChannel 1: Can you\n\nChannel 0: effect.\n\nChannel 1: hold on one sec?\n\nChannel 0: Sure. Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: You're right.\n\nChannel 1: Yeah. Sorry about that.\n\nChannel 0: That's absolutely fine. That's not a problem at all. Is all go... All okay?\n\nChannel 1: Yeah. Yeah. He's just trying to get some markers and stuff that he's not allowed to pay with.\n\nChannel 0: Oh, testing your patience.\n\nChannel 1: Yeah.\n\nChannel 0: No. All good. All good. Yeah. Sorry.\n\nSo, yeah, no compounding that over the longer term is definitely worthwhile. Starting those contributions at a smaller amount now and building them up over time has a much greater effect rather than starting them later down the track and having less time for the money invested. So it definitely is\n\nChannel 1: Okay.\n\nChannel 0: worth doing. Yeah. Yeah. Definitely. Does there...\n\nIs there any other questions that have come out of any of that? You're welcome to let me know if you need me to break things down further for you. Absolutely happy to help.\n\nChannel 1: No. If if they come to me, I'll I'll ask. It's I think you've\n\nChannel 0: Yeah.\n\nChannel 1: covered it pretty well. I've got my header...\n\nChannel 0: Yeah.\n\nChannel 1: Like, obviously, you know, not into detail, but I've got my head around the juice, which I feel\n\nChannel 0: Absolutely.\n\nChannel 1: more comfortable with.\n\nChannel 0: Yeah. Perfect. And, look, I did send you an email before, so you're welcome to email me back at any point if you have more questions. I'm more than happy to answer them and help you and break it down. It's not a problem at all.\n\nIt's actually really good that you wanna take more of a, you know, look at your super more in-depth. Because at the end of the day, this is part of your income that goes into super. So when you get to retirement, you wanna enjoy those years, and that'll be your\n\nChannel 1: Yeah.\n\nChannel 0: income\n\nChannel 1: Exactly.\n\nChannel 0: and your money. Yeah. Yeah. Beautiful. So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments.\n\nI'll update the portfolio for you and make some recommendations there. We did kinda touch base that you're in that growth environment. I just wanted to sort of ask a couple of questions and do a risk profile questionnaire\n\nChannel 1: Okay.\n\nChannel 0: just to make sure that you're in the correct portfolio realistically. These are all multiple choice, very similar to what you have\n\nChannel 1: Okay.\n\nChannel 0: in to those over the past couple of years there. The first one here is, do you or have you owned any direct shares in your own name in the past at all?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Beautiful. The next one that I can answer. Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns?\n\nAre you comfortable taking a moderate or medium amount of risk to try and get the best returns you can? Or are you not really comfortable with taking risk in the market knowing the returns are lower? Where do you think you fit on that scale?\n\nChannel 1: Probably mediums.\n\nChannel 0: Yep. Beautiful. The next one here is if you saw your super fall by, say, 20% in the next, say, six to twelve months with what was happening globally, how do you think you might feel and react? Do you think it maybe... See it as an investment opportunity, put some money in, and take advantage of the downtime?\n\nAre you a bit unsure, a bit cautious, and maybe call us and have a chat and see what's happening? Just hold and wait and see what happens going through that moment, or are you maybe a bit stressed out and wanting to sell that money... Sell your investments for cash? How do you think you might feel and react?\n\nChannel 1: Well, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played.\n\nChannel 0: Absolutely. Yep. Yep. Absolutely. Perfect.\n\nAnd I'll pop you down there. Excellent. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Do you consider that too risky without proper advice, or would you only borrow money for, say, buying a property?\n\nChannel 1: I don't need to borrow money to buy a property.\n\nChannel 0: Yep. Beautiful. I think having a look here, it looks like one of your goals down the track was that you were wanting to purchase property. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. Beautiful. I'll just pop that down there for you. Beautiful.\n\nExcellent. So just sort of looking at that, and thank you so much for answering those questions, you have scored as a growth investor there. So that that sort of risk profile where you see 80% in those growth assets plus 20% in lower risk defensive investments like cash and bonds, it does suit your time horizon. Do you feel fairly comfortable staying in that environment? Do you have any more questions around that?\n\nChannel 1: No. I feel pretty comfortable.\n\nChannel 0: Yep. Yep. Beautiful. Well, I'll make sure I keep you in that sort of profile. I'll go back and review everything.\n\nWhat we do is we update the advice, then I'll\n\nChannel 1: Yep.\n\nChannel 0: come back and speak to you. I'll show the advice document, what I'm recommending. We'll go through it together. You can ask any questions you have, and then\n\nChannel 1: Yep.\n\nChannel 0: you'll get to go back and have a read of that as well. It outlines the recommendations, the risks, the advantages, and the disadvantages. And it also notes the best interest duty, so how and why I'm making those recommendations and how it relates back to your goals. So it just takes a couple of weeks to get that sorted. And when I've got that document ready, we'll go through that together at a time, and you can review it.\n\nHow does that sound?\n\nChannel 1: That sounds good. Thank you. Yep.\n\nChannel 0: Yeah. That's not a problem at all. Beautiful. Now the next thing I just wanted to touch base on was your insurances. Now on the first page that I documented, that one's your life and TBD policy you have through Cal.\n\nThis is paid out of your super fund. So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your life cover covers you for 464,814. And with life insurance, if you were to pass away, your super is also paid out to your beneficiaries. So just sort of thinking about your circumstances, I've got here that your... So your partner is Charlotte.\n\nIs that correct?\n\nChannel 1: Yeah. It's... Have you got it spelled? It's s a l o t e, but, yeah, with the\n\nChannel 0: Yeah.\n\nChannel 1: name shall.\n\nChannel 0: Not a problem. I can update that for you. Thank you so much for that. So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that. It's essentially giving you a lump sum benefit or two shall...\n\nSorry, of $547,002.35. Do you feel like that's sufficient? Did you wanna sort of reevaluate that level of cover? How do you feel about that?\n\nChannel 1: No. For now, that's okay. I mean, like, you\n\nChannel 0: That's\n\nChannel 1: know,\n\nChannel 0: okay?\n\nChannel 1: once we purchase the property, it might have to change, but for now, it's okay.\n\nChannel 0: Yes. Absolutely. And when were you sort of... Do you have a plan on when you'd like to purchase property, or is it still just in the savings where you...\n\nChannel 1: Well, it was still in that stage of savings, but we're looking at about twelve to eighteen months the way that we're tracking.\n\nChannel 0: Twelve to eighteen months. Perfect. Not a problem at all. Excellent. And then I've also got with your TPD.\n\nSo TPD or total permanent disability can pay out a lump sum benefit or an income stream if you're never able to go back to work again. So you're permanently disabled, and the doctor is saying you're probably never gonna do your job again ever. You have\n\nChannel 1: Mhmm.\n\nChannel 0: the same level of cover. And under the rules of disability or incapacity, we can also look to access your super. So you realistically have the same level of cover that you're covered for. Are you fairly happy with that with TPD? Do you have more questions around that type of insurances?\n\nChannel 1: No. That's fine.\n\nChannel 0: That's okay.\n\nChannel 1: I've been explaining\n\nChannel 0: Beautiful.\n\nChannel 1: that before already. So, like,\n\nChannel 0: Oh,\n\nChannel 1: all I need\n\nChannel 0: beautiful.\n\nChannel 1: to know is that that amount would just be the\n\nChannel 0: Yep.\n\nChannel 1: $4.64. Right?\n\nChannel 0: Yes. Correct. Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Excellent. Now you don't happen to have any other types of insurances like income protection or trauma. And then now having a look at your circumstances, so you're part owner in a business with your dad. Is that right?\n\nChannel 1: Correct. Yes.\n\nChannel 0: Yeah. Beautiful. So if in the event that you were unable to go to work in the short term, are you still able to collect income and get paid income to cover your bills and expenses, or do you feel like you would need some income protection to cover you?\n\nChannel 1: For now, I think we're okay,\n\nChannel 0: Yep.\n\nChannel 1: But I have discussed that, and if I do decide to take it up, I could just call you guys and go through,\n\nChannel 0: Oh,\n\nChannel 1: like,\n\nChannel 0: absolutely.\n\nChannel 1: the staffing. Yeah? Yeah.\n\nChannel 0: Yeah. Absolutely. You can let me know anytime. We'll make time to come back and review that. You're not limited to just one review.\n\nI definitely wanna... Once we update the advice, maybe check-in a bit more regularly and see how things are going and give you updates on your super a bit more regularly as well. Yeah.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Beautiful. There are other types of insurances like trauma. So trauma pays out like a lump sum benefit if you're diagnosed with a major traumatic condition. So think about things like cancer, heart attack, strokes, Parkinson's, or, you know, MS, big neurological conditions as well. Trauma, you can't...\n\nSo there are types of insurances you can pay inside super, like your life, your TBD, your income protection, but trauma is one you have to pay out of your back pocket. You're not allowed to pay for that super, unfortunately. Did you wanna\n\nChannel 1: Okay.\n\nChannel 0: look at anything that's paid out of pocket, or you're happy just with what you've got?\n\nChannel 1: I'm happy with what I've got for now. But\n\nChannel 0: Yep.\n\nChannel 1: can\n\nChannel 0: That's\n\nChannel 1: you just\n\nChannel 0: okay.\n\nChannel 1: remind me to talk about income protection when I speak to you guys next, please?\n\nChannel 0: Yeah. Absolutely. Most definitely. And another thing for you to look at, and I'm happy to send you another email just to kinda break it down, but you can, down the track, also look at getting insurances to protect your children. So you can have what's called child trauma, and that pays out a lump sum benefit if your child is diagnosed with a major traumatic condition\n\nChannel 1: Mhmm.\n\nChannel 0: or if they pass away as well. You can... It's also a bit of a life benefit. So down the track, if you wanted to, feel free to talk to your partner. If you did wanna revisit those other types of insurances or get more information, please let me know.\n\nI'm more than happy to have that conversation with you. Okay?\n\nChannel 1: Okay. Yeah. Thank you.\n\nChannel 0: That's alright. So we've kind of gone through... You're happy with the level of cover you have insurances. I'm gonna go back and review your super, which is fantastic. Inside those documents there, the last couple of documents are your child certificate of currency.\n\nIt's also outlining... Sorry. It's also got your financial services guide, which outlines everything about who we are, what we do, and how we do it. Got some lovely glossy photos of me in there and my licensing number as well because I'm a licensed financial adviser. So you've got that there.\n\nYou're welcome to look me up if you do need to. Okay.\n\nChannel 1: Thank you. Yep.\n\nChannel 0: We've also got in there the tax file opt in form. So, essentially, we hold your tax file number because we opened your super account. We do have to hold that on file, but this document is outlining essentially how and why we hold that tax file number for you and just making sure that you're aware of the personal information we do hold. Okay?\n\nChannel 1: Okay.\n\nChannel 0: The last document attached is your ongoing service agreement. So over the past couple of years, we've had a ongoing service fee, which is 1.65%. This year, we've essentially made some changes and updated our ongoing service agreement. It does stay at 1.65% for your balance being under a hun... Under 200,000.\n\nHowever, it's now basically gonna be a fee... A tiered structure. So our ongoing service fee is gonna be calculated based on the amount of funds we manage for you. We use a tiered fee structure, so different rates apply depending on the level of funds under management. As an example, when your balance hits $202,100,000, up until that $200,000 mark, you pay 1.65.\n\nSo your fee is the same as it always has been essentially now. Once your super balance hits 200,000, then you drop over into the next tier, and your... The tier drops down from 1.65% to one point three seven five. And then after that, we get to 500,000 and it drops down to the next tier again. So the idea is the the higher your super balance goes, the more it drops down into the next tier.\n\nEssentially, we used to cap our fee at 600,000. We no longer do that, but we do reduce the percentage that your ongoing service fee is for each tier that you drop down up until your balance hits about $2,000,000 there. So the idea is to kinda make sure our services, that we're getting paid for our services and looking after everything, but also making sure that the fee agreement works for you and that your super is growing. If at any point the fee doesn't work with your super, it's disadvantaging you, then I'll come forward and make sure I speak to our, our team and let them know, and we'll look to obviously turn that off and see what we can do to help you. But for the moment there, that's essentially how that works.\n\nAnd it essentially shows that this year, our ongoing service fee is expected to be $1,410.49 there. It's also now set as a set dollar figure fee, so you won't be charged any more than what's in that fee agreement, whereas it used to just be an estimated cost. And if your portfolio went up by, say, 20%, our fee went up with that 20%. Because it's now a set dollar figure fee, it's encompassing a 5% return. So it means that if your portfolio goes up by, you know, 20%, 15%, it doesn't make any difference on that fee.\n\nWe will not charge you more than what is on that document there. Does that make sense?\n\nChannel 1: Yes. So you know the, like, the balance that we looked at on the first or second page of my\n\nChannel 0: Mhmm.\n\nChannel 1: super currently, is that after\n\nChannel 0: Yes.\n\nChannel 1: the fee?\n\nChannel 0: That is your total balance before any\n\nChannel 1: Yep.\n\nChannel 0: fees have come out. So it's the balance showing in hub twenty four currently. If you look\n\nChannel 1: Right.\n\nChannel 0: at the second page, that performance with internal rate of return, the return we give you on the second page, that is after all fees have been deducted. So after all fees, you're still at 4.13%. Yeah.\n\nChannel 1: Mhmm. Gotcha. Okay. Cool.\n\nChannel 0: Yeah. Does that make sense? Do you have any questions? So you're welcome to let me know if you do.\n\nChannel 1: No. It's all good. You just you just have a job now of trying to get me up to that $2,000,000 so our rate can go\n\nChannel 0: I\n\nChannel 1: down.\n\nChannel 0: will I will do everything I possibly can. Absolutely. We'll start by cleaning up your screen, updating the portfolio, then definitely go from there for you.\n\nChannel 1: Let's\n\nChannel 0: How does\n\nChannel 1: do\n\nChannel 0: that\n\nChannel 1: it.\n\nChannel 0: sound? Excellent. So just to kind of update a couple of additional details here. Now your income we had noted down last time was about 50,000. Has your income gone up, or is it still the same?\n\nChannel 1: You know what? I did do an increase. One second.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know\n\nChannel 0: You're\n\nChannel 1: exact...\n\nChannel 0: right.\n\nChannel 1: Hold on. Times. Two. I'm probably... What does it mean if it's gone up for me?\n\nIt has gone up.\n\nChannel 0: Oh, it's just\n\nChannel 1: I\n\nChannel 0: sort\n\nChannel 1: think\n\nChannel 0: of... It's about the expected contributions going in because, essentially, the way you... The business structure is, whilst you do own the business, you're also an employee of the business. So increases in your income show us how much is expected in the way of contributions, and that has an on flow effect for growth in your super as well.\n\nChannel 1: Yeah. As of a couple of... A few weeks or maybe a couple months now,\n\nChannel 0: Yep.\n\nChannel 1: I've put it up to 80,000.\n\nChannel 0: Beautiful. Excellent. And you're still making that $50 per week in salary sacrifice\n\nChannel 1: The extra\n\nChannel 0: contributions\n\nChannel 1: one? Yeah.\n\nChannel 0: there as well. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Are you wanting to look at maybe increasing that at all, or are you still happy just to keep it at $50 for the time being?\n\nChannel 1: We'll keep it at that now because because I've increased my pay more more money's\n\nChannel 0: Yeah.\n\nChannel 1: going into super in... Anyway. Right?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Definitely. And you... Are you managing to sort of put money away or have savings or excess cash at the end of the week, or are you finding everything's kinda going out to bills? How are you finding your expenditure?\n\nChannel 1: Look, this... Like, we consider putting money away for for the house deposit as a bill. So, like, once we put it away,\n\nChannel 0: Yep.\n\nChannel 1: we just don't think about it. So other than\n\nChannel 0: Yeah.\n\nChannel 1: those savings, yeah, like, we're we're left with a little bit, but not not too much.\n\nChannel 0: No. That's okay. I think last year, we had down about 50 to $100 on a weekly basis. That was kind of left over after everything, including those savings, have been taken into account. Is that still fairly accurate, or do you\n\nChannel 1: Probably\n\nChannel 0: think it might\n\nChannel 1: probably\n\nChannel 0: have decreased\n\nChannel 1: about the same.\n\nChannel 0: since then?\n\nChannel 1: No. It's\n\nChannel 0: About\n\nChannel 1: probably\n\nChannel 0: the same.\n\nChannel 1: about the\n\nChannel 0: Yeah.\n\nChannel 1: same.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Lovely. And how much are you putting away each week or fortnight for your home deposit?\n\nChannel 1: 500 a week.\n\nChannel 0: Oh, beautiful. A week. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: And how much do you have in savings at the moment total for that?\n\nChannel 1: I don't even know. Probably, I think I think we're sitting at about 15.\n\nChannel 0: 15,000? Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Excellent. And other assets I had noted here was the part ownership in the business A and G Foods, which is owned fifty fifty split with your dad. Is that that still correct?\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yes. Beautiful. I had the asset value of about 600,000. Would you keep that the same, or would you increase the value of the business of the company?\n\nChannel 1: I mean, that's what that's what we value the business without without the the stock. Yeah.\n\nChannel 0: Yep. Without the stock. Perfect. And then I also had it noted here that we had another another business ownership, I believe, called All Trans Investments. It's a 100% owned by your dad.\n\nIs that right?\n\nChannel 1: Yeah. That's the that's the... Like, he runs his taxi and all that under under that company name.\n\nChannel 0: Okay. Patsy. Beautiful. And that's owned by your dad solely. Do you have any ownership in that business?\n\nChannel 1: No. I'm I'm put down as a stakeholder, but not,\n\nChannel 0: Okay.\n\nChannel 1: like, not a director or anything.\n\nChannel 0: Yes. That's okay. So I'll just put here a stakeholder. Do you do you know what your stakeholder percentage is?\n\nChannel 1: I think it's 20\n\nChannel 0: Sorry.\n\nChannel 1: percent.\n\nChannel 0: Was that 20 or 40%? My apologies.\n\nChannel 1: Two two zero twenty.\n\nChannel 0: Beautiful. Thank you for updating that. So sorry. And we\n\nChannel 1: Okay.\n\nChannel 0: had essentially the the estimated value of that business as well at 600,000. Would you keep it the same, or would you alter that?\n\nChannel 1: Nah. I'd probably keep it the same.\n\nChannel 0: The same. Beautiful. Fantastic. Other assets I do like to note down are things like contents. It doesn't sound like much, but if you tipped your house upside down and everything fell out, all that is\n\nChannel 1: Yeah.\n\nChannel 0: contents and it would cost you money to replace. Do you have contents insurance at all? Or...\n\nChannel 1: I don't have contest insurance. No.\n\nChannel 0: No. That's okay. Do you know roughly what you might value your contents at? Tough one,\n\nChannel 1: That is a tough one. Content's\n\nChannel 0: I\n\nChannel 1: probably,\n\nChannel 0: know.\n\nChannel 1: I don't know, $30.40 grand maybe.\n\nChannel 0: Yep. Beautiful. 40,000. Beautiful. And is there any other assets or liabilities that I haven't noted down that you think are appropriate to note down?\n\nChannel 1: I don't know. Have you got... Have we got a car? Is that...\n\nChannel 0: Yep. Beautiful. What's the car do you drive?\n\nChannel 1: It's a Mazda CX five, but we don't have it under my name, though. It's under my partner's name.\n\nChannel 0: That's okay. Not a problem at all. I'll just note that down here being under partner. Roughly, what value would that be?\n\nChannel 1: Yep. 40,000 at the moment.\n\nChannel 0: Yep. Fantastic. And any debt on that vehicle is owned outright?\n\nChannel 1: No. It's not. We owe... I think it's about 28.\n\nChannel 0: At 28,000? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And the other thing I do like to note down as well is rent. Are you renting where you are currently living?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yep. How much rent are you paying on a regular basis?\n\nChannel 1: 700 a\n\nChannel 0: Seven\n\nChannel 1: week.\n\nChannel 0: 100. Is that per week? Yeah. Beautiful. Thank\n\nChannel 1: Yeah.\n\nChannel 0: you for that. Lovely. And I'll make a note here that your goal is to purchase a home in the next sort of twelve to eighteen months there as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Other things to update here, I've got down here that you had one one dependent. So one child, one son there. Do you still only have the one child?\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yeah. Beautiful. Lovely. How old is he?\n\nChannel 1: He's... He turns two in November. What are we in now? October.\n\nChannel 0: Oh, wow.\n\nChannel 1: So...\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Next month.\n\nChannel 1: Next month. Yeah. He's twenty twenty three months.\n\nChannel 0: Beautiful. That's in... That's incredible. It goes fast. I've got a 21 year old, a 20 year old, and a 10 year old, so it goes very\n\nChannel 1: Wow.\n\nChannel 0: quickly.\n\nChannel 1: You got all the age back.\n\nChannel 0: Absolutely. No. Perfect. The other thing I'm just looking at here is your beneficiary nominations as well. So I'm sort of having a look, and I can note that on your super and your insurances, we don't seem to have a beneficiary nomination.\n\nIt is definitely something I wanna make sure we have updated for you. Essentially, a beneficiary nomination on your super and your life insurance directs what you want to happen to those funds if you were to pass away. So\n\nChannel 1: Can\n\nChannel 0: by\n\nChannel 1: I\n\nChannel 0: not\n\nChannel 1: just\n\nChannel 0: having\n\nChannel 1: say?\n\nChannel 0: a nomination there... Sure.\n\nChannel 1: Yeah. Yeah. Sorry to cut you off, but I\n\nChannel 0: You're right.\n\nChannel 1: I got... I spoke about this quite a few times, and then I got a few phone calls about it. And then, eventually,\n\nChannel 0: Yeah.\n\nChannel 1: I got some paperwork, and I I ended up mailing it.\n\nChannel 0: Oh.\n\nChannel 1: Sorry. Not mailing it. I ended up emailing it, and\n\nChannel 0: Yeah.\n\nChannel 1: then I didn't hear anything. So it sounds\n\nChannel 0: Oh.\n\nChannel 1: like it hasn't been updated.\n\nChannel 0: Yeah. No. That's not good. I'm so sorry if that's okay. So I'll definitely go back and have a look.\n\nI'm just pulling up the file now to see if I can find a nomination having been filled out. Let's have a look.\n\nChannel 1: If not, can I? Because\n\nChannel 0: Okay.\n\nChannel 1: it's obviously gonna be Charlotte. Can I? Can\n\nChannel 0: Yes.\n\nChannel 1: you send me something now that I can just fill it out and send it back\n\nChannel 0: Yeah.\n\nChannel 1: to you?\n\nChannel 0: Absolutely. What I can do is I will make sure it gets done and filled out, and I'll send it to you. That way, it can be all signed and witnessed. Just double checking. Can...\n\nWould you like me to pre fill the form for you just to make it easier?\n\nChannel 1: That'd be awesome. Yeah.\n\nChannel 0: Yeah. Beautiful. And just to confirm, I spell your partner's name as s a l o t e. Is that right?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Beautiful. And surname, I believe, is Smith?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Lovely. All good. I've got... I don't have her date of birth. Can you give me her date of birth as well?\n\nChannel 1: Yep. So it's the 09/21/2019\n\nChannel 0: Yep.\n\nChannel 1: '90.\n\nChannel 0: Beautiful. What I'll do for you is I'll pre fill the form, and then we'll get my team to send it out to you. I'll make sure they cc me into the email so we can see it going back and forth. It just\n\nChannel 1: Mhmm.\n\nChannel 0: needs to be printed out, signed, and witnessed by two witnesses. One of those can't be your partner. So there's two people over the age of 18, one that's not the beneficiary that can witness the document with you. And then if you\n\nChannel 1: Mhmm.\n\nChannel 0: scan and send it back to me, I'll make sure it's applied, and I'll confirm once it's been applied for you as well. Okay?\n\nChannel 1: Okay. Awesome. Yeah. I remember doing that last time as well. So...\n\nChannel 0: Oh, I'm so sorry.\n\nChannel 1: But it's\n\nChannel 0: Yeah.\n\nChannel 1: all good, isn't it?\n\nChannel 0: No. No. Definitely not okay. I'm so sorry that that happened. I'll make sure I follow that through for you.\n\nI do apologize for that, Sandy, but don't want\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: okay.\n\nChannel 0: to be the case. Those those definitely need to be actioned for you straight away. So I'll get that for the hub 24 and the towel policy so we can have everything updated for you. Okay?\n\nChannel 1: And just just a silly question. Like, if something were to happen to me,\n\nChannel 0: Yes.\n\nChannel 1: she would just contact you guys? Is that how it works?\n\nChannel 0: Yeah. Absolutely. It's not a silly question at all. What I tend to sort of say to clients is keep our phone number somewhere. So just make sure she knows that we're your financial advisers and maybe have\n\nChannel 1: Yep.\n\nChannel 0: our phone number somewhere. I can even send you just, like, a fridge magnet or something on my card that has our contact details there. So... Or if you were to pass away, she just need to give us a call. Let us know.\n\nWe would then start\n\nChannel 1: Yep.\n\nChannel 0: the claims process with the insurer and your super funds, and\n\nChannel 1: Yep.\n\nChannel 0: sort of make sure that we're helping along to get all of that sorted for for her so it's as as streamlined as absolutely possible. But, yeah, she just needs to contact us in the event that something was to happen to you. Okay?\n\nChannel 1: Okay. And and and moving forward, you know how the cover is, like, like, 0.5 a mil, whatever it was. If\n\nChannel 0: Yes.\n\nChannel 1: we wanted to increase it, is that\n\nChannel 0: Mhmm.\n\nChannel 1: something easy to do?\n\nChannel 0: Oh, absolutely. As part of increasing that, they... I tend to do a new pre assessment with you just to sort of understand what your health looks like and if there's been any changes since your original application. I\n\nChannel 1: Yep.\n\nChannel 0: then go out to the market and I look at your current insurer as well as the others out there to see how we can increase the cover in a cost effective way, what that looks like. We update the advice to show our recommendations on what we're recommending and how you increase the cover. And because it's paid out of super currently, we also then factor into the super to a limited extent just to show you what the premiums, you know, the expectation of premiums can do to your super projection over time. And then you just\n\nChannel 1: Yes.\n\nChannel 0: go to a new application. If there's no major changes, as part of the advice, we let you know what we expect to come out of the application process. You do just have to go to a new application with the Instruqt for the increase or for, you know, altering the color. But once that's done, it goes into place, and we'll kinda go through all that with you and hold your hand along the way so you understand what we're doing, how we're doing it, what we're up to, and then we keep in contact with the insurer as well. But the first step is really when you decide you wanna increase the cover, we look at what you wanna increase it to, what you want to be covered for, what your goal is.\n\nThen we'll go forward to your pre assessment. We'll go out to the market and look at what the options are. We'll come back with a recommendation. We'll go through that together, and then we'll let you decide whether you're happy to take that or not. Does that sound...\n\nChannel 1: That sounds good.\n\nChannel 0: Does\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: make\n\nChannel 1: was just\n\nChannel 0: sense? Mhmm.\n\nChannel 1: asking\n\nChannel 0: Okay.\n\nChannel 1: because, like, when we do purchase\n\nChannel 0: Absolutely.\n\nChannel 1: a home, I just wanted to make sure I'd be covered under\n\nChannel 0: Yeah.\n\nChannel 1: that, you\n\nChannel 0: Absolutely. And as soon as you know you're ready to purchase a home or you're\n\nChannel 1: know.\n\nChannel 0: you're looking at them, feel free to let me know. We can talk about that. We can get the insurance in place prior to your purchasing the home so you got the cover. Or if you wanna hold off till after, that's absolutely fine. You let me know when you're ready, and we'll make sure we have\n\nChannel 1: Yep.\n\nChannel 0: that conversation. Moving forward, I'll update the advice and get that out to you so we can go through that with your super. But moving forward, I do wanna make sure that catch ups are being done a bit more regularly with you to help you understand what's happening with your super and give you more regular updates as well. Did you wanna sort of see those every six months to begin with, or what's your preference?\n\nChannel 1: Yeah. Yeah. Every six months sounds okay. Yeah.\n\nChannel 0: Yeah. Beautiful. And if you need anything in the meantime, you can always give me a buzz. Let me know you need another conversation or update or you have additional questions. You're not limited to just the time frames.\n\nYou can call me at any time, day or night, and we'll make sure we fit you in to be able to answer any questions you have or give you an update or, you know, reassess the advice whenever you need as well there. Okay?\n\nChannel 1: I appreciate it. Thank you.\n\nChannel 0: That's okay. The only other thing to sort of touch base on here is your... The other side of the estate planning is doing up a will and power of attorneys. Have you guys spoken about doing those in the past at all? Yep.\n\nChannel 1: Spoken about it. Yeah. I don't... Nothing's done about it.\n\nChannel 0: No. That's okay. It is definitely really important to do so. We are not solicitors or lawyers, so we're not able to set them up for you. But we could also refer you through to a solicitor if you like.\n\nIf you wanted to, I could send you through some information on costing of how much it can generally cost to set up a dual wheel just to kinda give you a bit of a guide and start that conversation. Would you like that information sent through?\n\nChannel 1: Yeah. You can email it to me?\n\nChannel 0: Yeah. Absolutely. Can. Yeah. Not\n\nChannel 1: Yeah.\n\nChannel 0: a problem at\n\nChannel 1: Awesome.\n\nChannel 0: all. I'll get that emailed\n\nChannel 1: Thank you.\n\nChannel 0: up for you there, Sandy. Not a problem at all. Easy. The only other thing to sort of look at is just sort of reassessing goals and things for you. So just going back to your annual review last year, one of the goals you had in the next sort of five years was to focus on your priority of continually growing the business and the potential to include property purchase down the track.\n\nWe've sort of got the property down here as well. But does that still sound appropriate? Is the business still, you know, trying to get that growing still a priority for you and your goals?\n\nChannel 1: Yeah. Yeah. Yeah. We've been growing it.\n\nChannel 0: Yep.\n\nChannel 1: It's been going... Like, it's all\n\nChannel 0: Fantastic.\n\nChannel 1: tracking the way that I would hope so.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Fantastic. And I've also got down here travel. In addition to that, you also want to travel a little bit more with your young family. I believe here it looks like you were hoping to travel last year.\n\nDid you have any holidays last year?\n\nChannel 1: Yeah. We went to Fiji twice, and\n\nChannel 0: Oh,\n\nChannel 1: we're going\n\nChannel 0: nice.\n\nChannel 1: to Thailand next month, actually.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: And Thailand next month. Lovely. Well, I'll definitely keep those goals on here for you. I've\n\nChannel 1: Mhmm.\n\nChannel 0: also got down here just with your super. You were hoping to originally look at accessing super around about age 67. I know you've got a lot of time ahead of you before that, but is that still your goal, age, to be able to maybe stop working fully in access super, or what's your plan,\n\nChannel 1: Yeah.\n\nChannel 0: or what's\n\nChannel 1: What's\n\nChannel 0: your\n\nChannel 1: the\n\nChannel 0: goal?\n\nChannel 1: age that we can access it?\n\nChannel 0: I can give you some good news. You can actually start working at the age of 60 and fully retire. You don't have to wait till 67. So you can choose 60 if you'd like to be able to retire earlier. Alternatively, 65, regardless of whether you're working or not, your super becomes fully accessible at that point as well.\n\nChannel 1: If I were to say 60, then,\n\nChannel 0: Mhmm.\n\nChannel 1: like... I mean, I know it's eight is away, but obviously, you guys\n\nChannel 0: Yeah.\n\nChannel 1: get a plan, like, for returns and all that kind of stuff then. But, like, things can change along the way. Like, it doesn't really matter,\n\nChannel 0: Yeah.\n\nChannel 1: does it?\n\nChannel 0: No. Absolutely not. If you like, I can put 60 as your goal. We'll work on that for you, try to build things as much as possible towards that point. And then it gives\n\nChannel 1: Mhmm.\n\nChannel 0: you the option. At 60, you can decide to keep working longer or you can choose to retire. It's completely up to you. I will make it work no matter what you're after.\n\nChannel 1: Yeah. Let's do 60.\n\nChannel 0: Beautiful. An income in retirement, I had noted here about a thousand dollars a week was for comfort. Is that still fairly accurate?\n\nChannel 1: Yeah. I think so. Yeah.\n\nChannel 0: Yep. Beautiful. Fantastic.\n\nChannel 1: I mean, we'll see. It cost\n\nChannel 0: I know\n\nChannel 1: me.\n\nChannel 0: I could\n\nChannel 1: We just only got that\n\nChannel 0: change...\n\nChannel 1: much, so who knows?\n\nChannel 0: Absolutely. I could definitely change. With\n\nChannel 1: Yeah.\n\nChannel 0: the business, now I just sort of wanted to get a gauge on how that... You know, what you expect or want to happen to that down the track there. So with A and G Foods, are you sort of hoping to keep that growing and, you know, keep income through retirement and still keep that, like, going to supplement super? Or what's the plan with the business down the track? Have you guys discussed what'll happen with that?\n\nChannel 1: Look. Right now, because, you know, I'm still young ish, and\n\nChannel 0: Yeah. You are very\n\nChannel 1: the aim is\n\nChannel 0: young.\n\nChannel 1: the aim is just to keep working on it, keep going hard.\n\nChannel 0: Yes.\n\nChannel 1: But, you know, I don't know what's gonna happen. Like, I wouldn't keep it into retirement unless, like, for example, my kids got into it or something like that. But\n\nChannel 0: Okay.\n\nChannel 1: the aim is not to sort of... Dame is to eventually sell it, I guess, you know, and then retire.\n\nChannel 0: Yes. Yeah. Absolutely. No. Perfect.\n\nFantastic. Well, I'll work on your super now. We'll get things a little bit cleaned up and update your portfolio, then we'll kinda go from there. And we'll keep\n\nChannel 1: Mhmm.\n\nChannel 0: building on all of that and work towards your goals. And if you ever have questions, let me know. How does that sound, Sandeep?\n\nChannel 1: Awesome. Thank you so much.\n\nChannel 0: No. That's okay. Thank you so much for calling me back and going through that. I really appreciate the time to reassess things with you. I'll...\n\nIf it's okay, am I able to book you in now to go through your advice document in a couple of weeks? Is that okay?\n\nChannel 1: Yep. That's fine. No problem.\n\nChannel 0: Beautiful. It takes about three weeks to do so. So I'm looking at the week of the October 26. Is normally... Is there a certain day or time that suits you the best normally?\n\nChannel 1: Just any any day, like, any weekday after 02:30.\n\nChannel 0: Mhmm.\n\nChannel 1: I know I said that about today, and I might be around, but usually,\n\nChannel 0: Yeah. No.\n\nChannel 1: that's\n\nChannel 0: That's...\n\nChannel 1: alright.\n\nChannel 0: No. You didn't mock me around at all. You are busy, and you've got children. Please don't ever think that. Now you're in New South Wales, so you're an hour ahead of me.\n\nSo 02:30 your time is 01:30 my time. If I was to pop it in there for, say, Wednesday, October 28, I could do from 02:30 New South Wales time. Would that be okay?\n\nChannel 1: That's fine. Yeah. No problem.\n\nChannel 0: Beautiful. And I'll add a little text message reminder there for you so it does send you a message. If anything comes up, you're welcome to let me know. If you get to the day and you can't take the call, that's fine. I'll call you, and I'll send you a text message.\n\nAnd you can just let me know if it's not suitable, and we can reschedule. Okay.\n\nChannel 1: Awesome. Thank you so much.\n\nChannel 0: My pleasure. Thank you so much, Sandy. You have a lovely afternoon, and I'll get working on all of this research for you. And I'll get those emails\n\nChannel 1: Thank you.\n\nChannel 0: out to you as well and your beneficiaries there. My pleasure.\n\nChannel 1: Alright. Thanks again for all the information, and I'll talk soon.\n\nChannel 0: Not a problem. You have a good afternoon. Enjoy time with the kids.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: He\n\nChannel 1: Bye.\n\nChannel 0: sounds like he's ready. See you later.\n\nChannel 1: Yes. Hold on.","paragraphs":[{"sentences":[{"text":"I'll pay with those because they're permanent.","start":0.08,"end":2.02,"sentiment":"neutral","sentiment_score":0.28189172063555035}],"sentiment":"neutral","sentiment_score":0.28189172063555035,"channel":1,"num_words":7,"start":0.08,"end":2.02},{"sentences":[{"text":"Hi, Sandeep.","start":2.6399999,"end":3.52,"sentiment":"neutral","sentiment_score":0.06025853008031845},{"text":"Is that...","start":3.52,"end":4.18,"sentiment":"neutral","sentiment_score":0.02442301157861948},{"text":"So sorry.","start":4.64,"end":5.22,"sentiment":"neutral","sentiment_score":-0.1036796122789383}],"sentiment":"neutral","sentiment_score":-0.006332690206666787,"channel":0,"num_words":6,"start":2.6399999,"end":5.22},{"sentences":[{"text":"That's alright.","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":-0.08413716778159142},{"text":"I just...","start":7.2,"end":7.7599998,"sentiment":"neutral","sentiment_score":-0.05209930241107941},{"text":"I've called off a different...","start":7.7599998,"end":9.139999,"sentiment":"neutral","sentiment_score":-0.06699260100722312},{"text":"Like, I've got another phone, so I don't know.","start":9.36,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.061053170098198786},{"text":"Maybe, hopefully, that's...","start":11.679999,"end":13.46,"sentiment":"neutral","sentiment_score":-0.03463351602355639}],"sentiment":"neutral","sentiment_score":-0.06003881068456741,"channel":1,"num_words":21,"start":6.08,"end":13.46},{"sentences":[{"text":"No.","start":14.105,"end":14.264999,"sentiment":"neutral","sentiment_score":-0.08349785208702087},{"text":"That's okay.","start":14.264999,"end":14.905,"sentiment":"neutral","sentiment_score":0.0035687992349267006},{"text":"I'm doing the same thing.","start":14.905,"end":15.865,"sentiment":"neutral","sentiment_score":0.14645265638828278},{"text":"So I turned my mobile on with our phone app, so I'm hoping that that might make it a bit easier for you.","start":15.865,"end":22.045,"sentiment":"neutral","sentiment_score":0.1936434018223182}],"sentiment":"neutral","sentiment_score":0.16482907323346985,"channel":0,"num_words":31,"start":14.105,"end":22.045},{"sentences":[{"text":"Alright.","start":22.295,"end":22.795,"sentiment":"neutral","sentiment_score":0.3058256208896637}],"sentiment":"neutral","sentiment_score":0.3058256208896637,"channel":1,"num_words":1,"start":22.295,"end":22.795},{"sentences":[{"text":"All good.","start":22.505,"end":23.164999,"sentiment":"positive","sentiment_score":0.4867042899131775}],"sentiment":"positive","sentiment_score":0.4867042899131775,"channel":0,"num_words":2,"start":22.505,"end":23.164999},{"sentences":[{"text":"Let's hope so.","start":22.855,"end":23.915,"sentiment":"positive","sentiment_score":0.40658482909202576}],"sentiment":"positive","sentiment_score":0.40658482909202576,"channel":1,"num_words":3,"start":22.855,"end":23.915},{"sentences":[{"text":"Yeah.","start":24.265,"end":24.765,"sentiment":"neutral","sentiment_score":0.26132187247276306},{"text":"All good.","start":24.904999,"end":25.645,"sentiment":"positive","sentiment_score":0.3537694066762924},{"text":"So just double checking.","start":25.865,"end":27.224998,"sentiment":"neutral","sentiment_score":0.12646184116601944},{"text":"Now we...","start":27.224998,"end":27.785,"sentiment":"neutral","sentiment_score":0.037584664300084114},{"text":"We're looking at that Vanguard index chart, which is the next document along.","start":27.785,"end":31.34,"sentiment":"neutral","sentiment_score":0.05789219100887959}],"sentiment":"neutral","sentiment_score":0.10465799373659221,"channel":0,"num_words":22,"start":24.265,"end":31.34},{"sentences":[{"text":"Is that the one that you can see there?","start":31.34,"end":33.12,"sentiment":"neutral","sentiment_score":0.05750675416655011}],"sentiment":"neutral","sentiment_score":0.05750675416655011,"channel":0,"num_words":9,"start":31.34,"end":33.12},{"sentences":[{"text":"Yeah.","start":33.879997,"end":34.379997,"sentiment":"neutral","sentiment_score":0.048373766243457794}],"sentiment":"neutral","sentiment_score":0.048373766243457794,"channel":1,"num_words":1,"start":33.879997,"end":34.379997},{"sentences":[{"text":"Yeah.","start":34.94,"end":35.44,"sentiment":"neutral","sentiment_score":0.049180321395397186},{"text":"So with that one there, if you look on this side on on mine, it's the right hand side, you'll see The US shares, Australian shares, international shares, and listed property.","start":35.5,"end":45.015,"sentiment":"neutral","sentiment_score":0.06222968368280318},{"text":"Can you see those investments added there?","start":45.015,"end":47.515,"sentiment":"neutral","sentiment_score":0.0535585419940097}],"sentiment":"neutral","sentiment_score":0.060338725885137535,"channel":0,"num_words":39,"start":34.94,"end":47.515},{"sentences":[{"text":"I can.","start":47.915,"end":48.395,"sentiment":"neutral","sentiment_score":0.10603572055697441},{"text":"Yep.","start":48.395,"end":48.895,"sentiment":"neutral","sentiment_score":0.12438925355672836}],"sentiment":"neutral","sentiment_score":0.11215356489022572,"channel":1,"num_words":3,"start":47.915,"end":48.895},{"sentences":[{"text":"Yeah.","start":48.935,"end":49.335,"sentiment":"neutral","sentiment_score":0.16572627425193787},{"text":"So those are essentially what we call growth assets.","start":49.335,"end":51.995,"sentiment":"neutral","sentiment_score":0.19030548797713387},{"text":"In your growth portfolio, you've got about 80% invested in these sorts of investments.","start":52.455,"end":57.755,"sentiment":"neutral","sentiment_score":0.18907757422753743},{"text":"And the idea is these are the ones that get great growth or get the best returns over longer term there.","start":57.95,"end":63.809998,"sentiment":"neutral","sentiment_score":0.31324493175461177},{"text":"If you","start":64.43,"end":65.07,"sentiment":"neutral","sentiment_score":0.09303903207182884}],"sentiment":"neutral","sentiment_score":0.24020815608983345,"channel":0,"num_words":47,"start":48.935,"end":65.07},{"sentences":[{"text":"Okay.","start":64.72,"end":65.22,"sentiment":"neutral","sentiment_score":0.06592193245887756}],"sentiment":"neutral","sentiment_score":0.06592193245887756,"channel":1,"num_words":1,"start":64.72,"end":65.22},{"sentences":[{"text":"sort of, as an example, take The US shares, this document","start":65.07,"end":69.65,"sentiment":"neutral","sentiment_score":0.0509666922417554}],"sentiment":"neutral","sentiment_score":0.0509666922417554,"channel":0,"num_words":11,"start":65.07,"end":69.65},{"sentences":[{"text":"Yep.","start":69.28,"end":69.78,"sentiment":"neutral","sentiment_score":0.07727161049842834}],"sentiment":"neutral","sentiment_score":0.07727161049842834,"channel":1,"num_words":1,"start":69.28,"end":69.78},{"sentences":[{"text":"shows that investing $10,000 back in 1996 and letting that fit in the investment over time, you know, re...","start":69.79,"end":78.465004,"sentiment":"neutral","sentiment_score":0.05563985360296149},{"text":"Reinvesting any growth and income that's been distributed, it would have turned $10,000 into over 218,000.","start":78.845,"end":86.925,"sentiment":"neutral","sentiment_score":0.048246180929709226},{"text":"So it's giving you an annual compound of return of 10.8%.","start":86.925,"end":90.96,"sentiment":"neutral","sentiment_score":0.10348635166883469},{"text":"And that's","start":91.42,"end":91.98,"sentiment":"neutral","sentiment_score":-0.01667775120586157}],"sentiment":"neutral","sentiment_score":0.061126884984939046,"channel":0,"num_words":48,"start":69.79,"end":91.98},{"sentences":[{"text":"I understand.","start":91.83,"end":92.41,"sentiment":"neutral","sentiment_score":-0.060620661824941635}],"sentiment":"neutral","sentiment_score":-0.060620661824941635,"channel":1,"num_words":2,"start":91.83,"end":92.41},{"sentences":[{"text":"why these investments get better long term growth and returns, but they also see the ups and downs that can make us quite nervous.","start":91.98,"end":100.8,"sentiment":"neutral","sentiment_score":-0.11484179925173521},{"text":"Like, sitting in that over the last thirty years, you've gone through some big ups and downs in the market there.","start":100.86,"end":107.445,"sentiment":"neutral","sentiment_score":-0.16115293474424452},{"text":"Does that make sense?","start":107.445,"end":108.58501,"sentiment":"neutral","sentiment_score":-0.01855277456343174}],"sentiment":"neutral","sentiment_score":-0.12682910020254096,"channel":0,"num_words":49,"start":91.98,"end":108.58501},{"sentences":[{"text":"It does.","start":109.005005,"end":109.40501,"sentiment":"neutral","sentiment_score":0.012336187064647675},{"text":"Yeah.","start":109.40501,"end":109.645004,"sentiment":"neutral","sentiment_score":-0.024473508819937703},{"text":"I understand.","start":109.645004,"end":110.285,"sentiment":"neutral","sentiment_score":-0.02982391230762005},{"text":"I can see a few dips in that...","start":110.285,"end":112.225006,"sentiment":"neutral","sentiment_score":-0.05001741973683238},{"text":"In the thing","start":112.365005,"end":113.185005,"sentiment":"neutral","sentiment_score":0.0017136931419372559}],"sentiment":"neutral","sentiment_score":-0.028402952360920608,"channel":1,"num_words":16,"start":109.005005,"end":113.185005},{"sentences":[{"text":"Yeah.","start":112.805,"end":113.305,"sentiment":"neutral","sentiment_score":0.03146678954362869}],"sentiment":"neutral","sentiment_score":0.03146678954362869,"channel":0,"num_words":1,"start":112.805,"end":113.305},{"sentences":[{"text":"as well.","start":113.565,"end":114.125,"sentiment":"neutral","sentiment_score":0.04038805328309536},{"text":"Yeah.","start":114.125,"end":114.625,"sentiment":"neutral","sentiment_score":0.0892038345336914}],"sentiment":"neutral","sentiment_score":0.05665998036662737,"channel":1,"num_words":3,"start":113.565,"end":114.625},{"sentences":[{"text":"Yeah.","start":114.36,"end":114.76,"sentiment":"neutral","sentiment_score":0.106953427195549},{"text":"Yeah.","start":114.76,"end":115.16,"sentiment":"neutral","sentiment_score":0.119545117020607},{"text":"So what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds.","start":115.16,"end":121.58,"sentiment":"neutral","sentiment_score":0.18282220986756412},{"text":"And you can sort of see those bonds underneath that.","start":121.96,"end":124.36,"sentiment":"neutral","sentiment_score":0.1384389206767082},{"text":"That's the defensive investment, so it's lower risk.","start":124.36,"end":127.16,"sentiment":"neutral","sentiment_score":0.24005721509456635}],"sentiment":"neutral","sentiment_score":0.1798436687815757,"channel":0,"num_words":42,"start":114.36,"end":127.16},{"sentences":[{"text":"It's expected to get a lower rate of return, but you wanna have some sort of investments of these in there because when, say, equities aren't doing so well, these investments tend to smooth out market returns.","start":127.16,"end":138.925,"sentiment":"neutral","sentiment_score":0.311011338556135},{"text":"They have a very steady kind of track record.","start":138.985,"end":142.285,"sentiment":"positive","sentiment_score":0.6101764904128181},{"text":"And you can see 10,000 in bonds over the last thirty years has averaged 5.2%, so it's only turned it into $45,000 there.","start":143.06999,"end":152.03,"sentiment":"neutral","sentiment_score":0.33098206312760065},{"text":"And that's because it gets a lower rate of return, but it doesn't see the ups and downs or what we call volatility very much.","start":152.03,"end":158.685,"sentiment":"neutral","sentiment_score":0.02037603538483381},{"text":"It doesn't go through that drastic up and down kind of feeling.","start":158.685,"end":162.14499,"sentiment":"negative","sentiment_score":-0.3454188493390878}],"sentiment":"neutral","sentiment_score":0.19788651023376383,"channel":0,"num_words":106,"start":127.16,"end":162.14499},{"sentences":[{"text":"So because you're younger, we wanna be able to take...","start":162.605,"end":165.325,"sentiment":"neutral","sentiment_score":-0.004152921959757805},{"text":"Or you're able to take a bit more risk in the market, have more of these growth investments in your portfolio and less of these defensive investments.","start":165.325,"end":173.82,"sentiment":"neutral","sentiment_score":-0.03579177666041586},{"text":"But as you get older and closer to accessing your super, that's when you start to feel a bit more nervous.","start":173.82,"end":179.6,"sentiment":"negative","sentiment_score":-0.405556640454701},{"text":"And when you're roughly about six years away from accessing super, then we start to decrease the exposure into these growth assets and increase the exposure into those defensive lower risk investments.","start":179.66,"end":191.495,"sentiment":"neutral","sentiment_score":-0.2766018179245293},{"text":"Does that make sense?","start":191.635,"end":192.61499,"sentiment":"neutral","sentiment_score":0.023134935647249222}],"sentiment":"neutral","sentiment_score":-0.1945033518082284,"channel":0,"num_words":94,"start":162.605,"end":192.61499},{"sentences":[{"text":"I understand.","start":193.04501,"end":193.705,"sentiment":"neutral","sentiment_score":-0.03693334572017193},{"text":"Yeah.","start":193.845,"end":194.085,"sentiment":"neutral","sentiment_score":-0.020656578242778775},{"text":"Okay.","start":194.085,"end":194.585,"sentiment":"neutral","sentiment_score":-0.004207082092761993}],"sentiment":"neutral","sentiment_score":-0.024682587943971157,"channel":1,"num_words":4,"start":193.04501,"end":194.585},{"sentences":[{"text":"Yeah.","start":194.435,"end":194.935,"sentiment":"neutral","sentiment_score":-0.0015093497931957245},{"text":"Yeah.","start":195.075,"end":195.47499,"sentiment":"neutral","sentiment_score":0.006667120382189751},{"text":"So with that growth environment you're in at the moment, it suits someone who has at least six years before accessing their super.","start":195.47499,"end":202.375,"sentiment":"neutral","sentiment_score":-0.028667306891925957},{"text":"The likelihood","start":202.86,"end":203.59999,"sentiment":"neutral","sentiment_score":-0.24051300436258316}],"sentiment":"neutral","sentiment_score":-0.04204504802409145,"channel":0,"num_words":27,"start":194.435,"end":203.59999},{"sentences":[{"text":"Mhmm.","start":203.14,"end":203.64,"sentiment":"neutral","sentiment_score":-0.286052405834198}],"sentiment":"neutral","sentiment_score":-0.286052405834198,"channel":1,"num_words":1,"start":203.14,"end":203.64},{"sentences":[{"text":"of a negative return because we understand with the ups and downs, the risk of a negative return is around about one in every five odd years, and you're looking to try and average around about a seven to 9% return on a yearly basis and compounding that over time with the volatility, the...","start":203.65999,"end":222.56499,"sentiment":"neutral","sentiment_score":-0.28610928467026464},{"text":"You know, with the ups and downs the market can see with that seven to 9%, essentially, some years you'll get a much greater return.","start":222.56499,"end":230.805,"sentiment":"neutral","sentiment_score":-0.10286705031991004},{"text":"It might be ten, eleven, 20% return, whereas other years it might be lower like this year where it's a 4% return.","start":230.805,"end":238.05,"sentiment":"neutral","sentiment_score":-0.09064639723775061},{"text":"And we just wanna kinda keep reviewing that, take advantage of the down times, and, yeah, enjoy the good times.","start":238.27,"end":244.35,"sentiment":"positive","sentiment_score":0.6546316713094711},{"text":"And over the next, you know, twenty odd years, keep your super compounding working forward.","start":244.35,"end":250.45499,"sentiment":"positive","sentiment_score":0.4933314621448517}],"sentiment":"neutral","sentiment_score":0.0035059337422032565,"channel":0,"num_words":136,"start":203.65999,"end":250.45499},{"sentences":[{"text":"So it's also important to 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before, so you're welcome to email me back at any point if you have more questions.","start":447.52502,"end":452.13,"sentiment":"neutral","sentiment_score":0.29119331824282807},{"text":"I'm more than happy to answer them and help you and break it down.","start":452.13,"end":454.77002,"sentiment":"positive","sentiment_score":0.5892611358846936},{"text":"It's not a problem at all.","start":454.77002,"end":456.05002,"sentiment":"positive","sentiment_score":0.5669664243857065}],"sentiment":"positive","sentiment_score":0.420757169632808,"channel":0,"num_words":46,"start":446.48502,"end":456.05002},{"sentences":[{"text":"It's actually really good that you wanna take more of a, you know, look at your super more in-depth.","start":456.05002,"end":461.01,"sentiment":"positive","sentiment_score":0.5800999904933729},{"text":"Because at the end of the day, this is part of your income that goes into 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your","start":464.61002,"end":468.735,"sentiment":"positive","sentiment_score":0.4767619431018829}],"sentiment":"positive","sentiment_score":0.5028210218046226,"channel":0,"num_words":51,"start":456.05002,"end":468.735},{"sentences":[{"text":"Yeah.","start":468.605,"end":468.92502,"sentiment":"neutral","sentiment_score":0.1187049150466919}],"sentiment":"neutral","sentiment_score":0.1187049150466919,"channel":1,"num_words":1,"start":468.605,"end":468.92502},{"sentences":[{"text":"income","start":468.735,"end":469.055,"sentiment":"neutral","sentiment_score":0.0802362859249115}],"sentiment":"neutral","sentiment_score":0.0802362859249115,"channel":0,"num_words":1,"start":468.735,"end":469.055},{"sentences":[{"text":"Exactly.","start":468.92502,"end":469.42502,"sentiment":"neutral","sentiment_score":0.1126667857170105}],"sentiment":"neutral","sentiment_score":0.1126667857170105,"channel":1,"num_words":1,"start":468.92502,"end":469.42502},{"sentences":[{"text":"and your money.","start":469.055,"end":470.035,"sentiment":"neutral","sentiment_score":0.11255264282226562},{"text":"Yeah.","start":470.255,"end":470.755,"sentiment":"neutral","sentiment_score":0.21978840231895447},{"text":"Yeah.","start":471.13498,"end":471.63498,"sentiment":"positive","sentiment_score":0.37268781661987305},{"text":"Beautiful.","start":472.815,"end":473.315,"sentiment":"positive","sentiment_score":0.651223361492157},{"text":"So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments.","start":474.01498,"end":479.055,"sentiment":"neutral","sentiment_score":0.22336616218090058}],"sentiment":"neutral","sentiment_score":0.23264156740445358,"channel":0,"num_words":26,"start":469.055,"end":479.055},{"sentences":[{"text":"I'll update the portfolio for you and make some recommendations there.","start":479.055,"end":483.235,"sentiment":"neutral","sentiment_score":0.2349600222977725},{"text":"We did kinda touch base that you're in that growth environment.","start":483.88998,"end":486.87,"sentiment":"neutral","sentiment_score":0.15526516871018844},{"text":"I just wanted to sort of ask a couple of questions and do a risk profile questionnaire","start":487.16998,"end":491.50998,"sentiment":"neutral","sentiment_score":0.08537810273906764}],"sentiment":"neutral","sentiment_score":0.14727961147824922,"channel":0,"num_words":39,"start":479.055,"end":491.50998},{"sentences":[{"text":"Okay.","start":491.085,"end":491.585,"sentiment":"neutral","sentiment_score":0.06672048568725586}],"sentiment":"neutral","sentiment_score":0.06672048568725586,"channel":1,"num_words":1,"start":491.085,"end":491.585},{"sentences":[{"text":"just to make sure that you're in the correct portfolio realistically.","start":491.65,"end":495.50998,"sentiment":"neutral","sentiment_score":0.09375773505731062},{"text":"These are all multiple choice, very similar to what you have","start":496.315,"end":499.275,"sentiment":"neutral","sentiment_score":0.12457238747314973}],"sentiment":"neutral","sentiment_score":0.10916506126523018,"channel":0,"num_words":22,"start":491.65,"end":499.275},{"sentences":[{"text":"Okay.","start":499.0725,"end":499.5725,"sentiment":"neutral","sentiment_score":0.040523044764995575}],"sentiment":"neutral","sentiment_score":0.040523044764995575,"channel":1,"num_words":1,"start":499.0725,"end":499.5725},{"sentences":[{"text":"in to those over the past couple of years there.","start":499.275,"end":501.935,"sentiment":"neutral","sentiment_score":0.02007087357342243},{"text":"The first one here is, do you or have you owned any direct shares in your own name in the past at all?","start":502.555,"end":509.215,"sentiment":"neutral","sentiment_score":0.008991943267376526}],"sentiment":"neutral","sentiment_score":0.012349194875269226,"channel":0,"num_words":33,"start":499.275,"end":509.215},{"sentences":[{"text":"No.","start":509.86,"end":510.36,"sentiment":"neutral","sentiment_score":-0.07548775523900986}],"sentiment":"neutral","sentiment_score":-0.07548775523900986,"channel":1,"num_words":1,"start":509.86,"end":510.36},{"sentences":[{"text":"Nope.","start":510.9,"end":511.14,"sentiment":"neutral","sentiment_score":-0.08587206900119781},{"text":"That's okay.","start":511.14,"end":512.04004,"sentiment":"neutral","sentiment_score":0.06581067945808172},{"text":"Beautiful.","start":512.18,"end":512.68,"sentiment":"positive","sentiment_score":0.5271180868148804},{"text":"The next one that I can answer.","start":514.18,"end":515.7,"sentiment":"neutral","sentiment_score":0.13841443189552852},{"text":"Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns?","start":515.7,"end":526.395,"sentiment":"neutral","sentiment_score":-0.03107829211336194}],"sentiment":"neutral","sentiment_score":0.011731471824036404,"channel":0,"num_words":44,"start":510.9,"end":526.395},{"sentences":[{"text":"Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can?","start":526.85504,"end":532.135,"sentiment":"neutral","sentiment_score":-0.042543314024806024},{"text":"Or are you not really comfortable with taking risk in the market knowing the returns are lower?","start":532.135,"end":536.775,"sentiment":"neutral","sentiment_score":-0.14622761221492991},{"text":"Where do you think you fit on that scale?","start":536.775,"end":538.795,"sentiment":"neutral","sentiment_score":-0.046469899722271495}],"sentiment":"neutral","sentiment_score":-0.08162966925326896,"channel":0,"num_words":46,"start":526.85504,"end":538.795},{"sentences":[{"text":"Probably mediums.","start":539.44,"end":540.42004,"sentiment":"neutral","sentiment_score":-0.01740593370050192}],"sentiment":"neutral","sentiment_score":-0.01740593370050192,"channel":1,"num_words":2,"start":539.44,"end":540.42004},{"sentences":[{"text":"Yep.","start":541.16,"end":541.63995,"sentiment":"neutral","sentiment_score":0.11517637223005296},{"text":"Beautiful.","start":541.63995,"end":542.13995,"sentiment":"positive","sentiment_score":0.35743939876556396},{"text":"The next one here is if you saw your super fall by, say, 20% in the next, say, six to twelve months with what was happening globally, how do you think you might feel and react?","start":544.04,"end":553.98,"sentiment":"neutral","sentiment_score":-0.021910859530584678},{"text":"Do you think it maybe...","start":554.365,"end":555.72504,"sentiment":"neutral","sentiment_score":-0.03171898871660232},{"text":"See it as an investment opportunity, put some money in, and take advantage of the downtime?","start":555.72504,"end":560.305,"sentiment":"neutral","sentiment_score":-0.03918938571587205}],"sentiment":"neutral","sentiment_score":-0.018674581138006713,"channel":0,"num_words":59,"start":541.16,"end":560.305},{"sentences":[{"text":"Are you a bit unsure, a bit cautious, and maybe call us and have a chat and see what's happening?","start":560.84503,"end":565.645,"sentiment":"neutral","sentiment_score":-0.09169964045286179},{"text":"Just hold and wait and see what happens going through that moment, or are you maybe a bit stressed out and wanting to sell that money...","start":565.645,"end":573.51,"sentiment":"neutral","sentiment_score":-0.10039587519489802},{"text":"Sell your investments for cash?","start":573.57,"end":574.93,"sentiment":"neutral","sentiment_score":-0.0633397378027439},{"text":"How do you think you might feel and react?","start":574.93,"end":577.11,"sentiment":"neutral","sentiment_score":-0.045334009246693716}],"sentiment":"neutral","sentiment_score":-0.08614983893930912,"channel":0,"num_words":60,"start":560.84503,"end":577.11},{"sentences":[{"text":"Well, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played.","start":578.10504,"end":586.84503,"sentiment":"neutral","sentiment_score":-0.04676701221615076}],"sentiment":"neutral","sentiment_score":-0.04676701221615076,"channel":1,"num_words":26,"start":578.10504,"end":586.84503},{"sentences":[{"text":"Absolutely.","start":586.845,"end":587.345,"sentiment":"neutral","sentiment_score":0.1795523762702942},{"text":"Yep.","start":587.485,"end":587.885,"sentiment":"neutral","sentiment_score":0.12038761377334596},{"text":"Yep.","start":587.885,"end":588.20496,"sentiment":"neutral","sentiment_score":0.17381468415260315},{"text":"Absolutely.","start":588.20496,"end":588.70496,"sentiment":"positive","sentiment_score":0.3994643986225128},{"text":"Perfect.","start":589.245,"end":589.745,"sentiment":"positive","sentiment_score":0.5599421262741089}],"sentiment":"neutral","sentiment_score":0.286632239818573,"channel":0,"num_words":5,"start":586.845,"end":589.745},{"sentences":[{"text":"And I'll pop you down there.","start":589.885,"end":591.40497,"sentiment":"neutral","sentiment_score":0.3194692035516103},{"text":"Excellent.","start":591.40497,"end":591.90497,"sentiment":"neutral","sentiment_score":0.0689166784286499},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds?","start":592.845,"end":598.76,"sentiment":"neutral","sentiment_score":-0.0192315053815643},{"text":"Do you consider that too risky without proper advice, or would you only borrow money for, say, buying a property?","start":598.76,"end":605.82,"sentiment":"neutral","sentiment_score":-0.13871968425810338}],"sentiment":"neutral","sentiment_score":-0.024514076756496056,"channel":0,"num_words":51,"start":589.885,"end":605.82},{"sentences":[{"text":"I don't need to borrow money to buy a property.","start":606.95996,"end":608.775,"sentiment":"neutral","sentiment_score":-0.0918881542980671}],"sentiment":"neutral","sentiment_score":-0.0918881542980671,"channel":1,"num_words":10,"start":606.95996,"end":608.775},{"sentences":[{"text":"Yep.","start":609.295,"end":609.615,"sentiment":"neutral","sentiment_score":0.1538529098033905},{"text":"Beautiful.","start":609.615,"end":610.09503,"sentiment":"positive","sentiment_score":0.48806655406951904},{"text":"I think having a look here, it looks like one of your goals down the track was that you were wanting to purchase property.","start":610.09503,"end":615.135,"sentiment":"neutral","sentiment_score":0.2025745181987683},{"text":"Is that right?","start":615.135,"end":615.955,"sentiment":"neutral","sentiment_score":0.14683154473702112}],"sentiment":"neutral","sentiment_score":0.20497250120187627,"channel":0,"num_words":29,"start":609.295,"end":615.955},{"sentences":[{"text":"Yeah.","start":617.09503,"end":617.59503,"sentiment":"neutral","sentiment_score":0.08910293132066727}],"sentiment":"neutral","sentiment_score":0.08910293132066727,"channel":1,"num_words":1,"start":617.09503,"end":617.59503},{"sentences":[{"text":"Yeah.","start":618.335,"end":618.835,"sentiment":"neutral","sentiment_score":0.107491597533226},{"text":"Yep.","start":619.055,"end":619.53503,"sentiment":"neutral","sentiment_score":0.19134025275707245},{"text":"Beautiful.","start":619.53503,"end":620.03503,"sentiment":"positive","sentiment_score":0.5420545339584351},{"text":"I'll just pop that down there for you.","start":620.655,"end":622.91504,"sentiment":"positive","sentiment_score":0.39815281331539154},{"text":"Beautiful.","start":625.8,"end":626.3,"sentiment":"positive","sentiment_score":0.5983005166053772}],"sentiment":"positive","sentiment_score":0.38536745061477023,"channel":0,"num_words":12,"start":618.335,"end":626.3},{"sentences":[{"text":"Excellent.","start":626.36,"end":626.86,"sentiment":"positive","sentiment_score":0.6106293201446533},{"text":"So just sort of looking at that, and thank you so much for answering those questions, you have scored as a growth investor there.","start":627.0,"end":632.76,"sentiment":"positive","sentiment_score":0.49658696601788205},{"text":"So that that sort of risk profile where you see 80% in those growth assets plus 20% in lower risk defensive investments like cash and bonds, it does suit your time horizon.","start":632.76,"end":644.295,"sentiment":"neutral","sentiment_score":0.260696355253458},{"text":"Do you feel fairly comfortable staying in that environment?","start":644.595,"end":647.575,"sentiment":"neutral","sentiment_score":0.085488670402103},{"text":"Do you have any more questions around that?","start":647.635,"end":649.815,"sentiment":"neutral","sentiment_score":0.032248282339423895}],"sentiment":"neutral","sentiment_score":0.29592411033809185,"channel":0,"num_words":74,"start":626.36,"end":649.815},{"sentences":[{"text":"No.","start":650.87,"end":651.11,"sentiment":"neutral","sentiment_score":-0.10748667269945145},{"text":"I feel pretty comfortable.","start":651.11,"end":652.57,"sentiment":"neutral","sentiment_score":-0.07626526895910501}],"sentiment":"neutral","sentiment_score":-0.0825095497071743,"channel":1,"num_words":5,"start":650.87,"end":652.57},{"sentences":[{"text":"Yep.","start":653.395,"end":653.73,"sentiment":"neutral","sentiment_score":0.09823620319366456},{"text":"Yep.","start":654.20996,"end":654.52997,"sentiment":"neutral","sentiment_score":0.16186651587486267},{"text":"Beautiful.","start":654.52997,"end":655.02997,"sentiment":"positive","sentiment_score":0.4082770347595215},{"text":"Well, I'll make sure I keep you in that sort of profile.","start":655.08997,"end":658.23,"sentiment":"neutral","sentiment_score":0.22028725345929465},{"text":"I'll go back and review everything.","start":658.61,"end":660.20996,"sentiment":"neutral","sentiment_score":0.1924772635102272}],"sentiment":"neutral","sentiment_score":0.21269954173337846,"channel":0,"num_words":21,"start":653.395,"end":660.20996},{"sentences":[{"text":"What we do is we update the advice, then I'll","start":660.20996,"end":663.17,"sentiment":"neutral","sentiment_score":0.1426517605781555}],"sentiment":"neutral","sentiment_score":0.1426517605781555,"channel":0,"num_words":10,"start":660.20996,"end":663.17},{"sentences":[{"text":"Yep.","start":663.11,"end":663.61,"sentiment":"neutral","sentiment_score":0.14144396781921387}],"sentiment":"neutral","sentiment_score":0.14144396781921387,"channel":1,"num_words":1,"start":663.11,"end":663.61},{"sentences":[{"text":"come back and speak to you.","start":663.17,"end":664.44995,"sentiment":"neutral","sentiment_score":0.13975326965252557},{"text":"I'll show the advice document, what I'm recommending.","start":664.44995,"end":667.02997,"sentiment":"neutral","sentiment_score":0.15353116020560265},{"text":"We'll go through it together.","start":667.17,"end":668.255,"sentiment":"neutral","sentiment_score":0.19006015360355377},{"text":"You can ask any questions you have, and then","start":668.255,"end":670.895,"sentiment":"neutral","sentiment_score":0.1525350453125106}],"sentiment":"neutral","sentiment_score":0.15678160983536923,"channel":0,"num_words":28,"start":663.17,"end":670.895},{"sentences":[{"text":"Yep.","start":670.875,"end":671.375,"sentiment":"neutral","sentiment_score":0.1491311490535736}],"sentiment":"neutral","sentiment_score":0.1491311490535736,"channel":1,"num_words":1,"start":670.875,"end":671.375},{"sentences":[{"text":"you'll get to go back and have a read of that as well.","start":670.895,"end":673.135,"sentiment":"neutral","sentiment_score":0.18521792957415947},{"text":"It outlines the recommendations, the risks, the advantages, and the disadvantages.","start":673.135,"end":677.395,"sentiment":"neutral","sentiment_score":0.1149197972633622},{"text":"And it also notes the best interest duty, so how and why I'm making those recommendations and how it relates back to your goals.","start":678.175,"end":684.48004,"sentiment":"neutral","sentiment_score":0.17695277649909258},{"text":"So it just takes a couple of weeks to get that sorted.","start":684.78,"end":687.26,"sentiment":"neutral","sentiment_score":0.17145434270302454},{"text":"And when I've got that document ready, we'll go through that together at a time, and you can review it.","start":687.26,"end":691.5,"sentiment":"neutral","sentiment_score":0.18241619318723679}],"sentiment":"neutral","sentiment_score":0.17030741833150387,"channel":0,"num_words":80,"start":670.895,"end":691.5},{"sentences":[{"text":"How does that sound?","start":691.5,"end":692.48004,"sentiment":"neutral","sentiment_score":0.15420960821211338}],"sentiment":"neutral","sentiment_score":0.15420960821211338,"channel":0,"num_words":4,"start":691.5,"end":692.48004},{"sentences":[{"text":"That sounds good.","start":692.885,"end":693.685,"sentiment":"positive","sentiment_score":0.4719732205073039},{"text":"Thank you.","start":693.685,"end":694.16504,"sentiment":"positive","sentiment_score":0.5460294485092163},{"text":"Yep.","start":694.16504,"end":694.66504,"sentiment":"neutral","sentiment_score":0.2051311731338501}],"sentiment":"positive","sentiment_score":0.4521849552790324,"channel":1,"num_words":6,"start":692.885,"end":694.66504},{"sentences":[{"text":"Yeah.","start":694.46,"end":694.96,"sentiment":"neutral","sentiment_score":0.25375860929489136},{"text":"That's not a problem at all.","start":695.10004,"end":696.54004,"sentiment":"positive","sentiment_score":0.3882853339115779},{"text":"Beautiful.","start":696.54004,"end":697.04004,"sentiment":"positive","sentiment_score":0.5376840829849243},{"text":"Now the next thing I just wanted to touch base on was your insurances.","start":697.505,"end":700.40497,"sentiment":"neutral","sentiment_score":0.1306494793721608},{"text":"Now on the first page that I documented, that one's your life and TBD policy you have through Cal.","start":700.625,"end":706.08496,"sentiment":"neutral","sentiment_score":0.0969705713030539}],"sentiment":"neutral","sentiment_score":0.1656753234565258,"channel":0,"num_words":41,"start":694.46,"end":706.08496},{"sentences":[{"text":"This is paid out of your super fund.","start":706.385,"end":708.565,"sentiment":"neutral","sentiment_score":0.010558970738202333},{"text":"So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your 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correct?","start":735.38495,"end":736.20496,"sentiment":"neutral","sentiment_score":0.010123408399522305}],"sentiment":"neutral","sentiment_score":0.010123408399522305,"channel":0,"num_words":3,"start":735.38495,"end":736.20496},{"sentences":[{"text":"Yeah.","start":736.86,"end":737.36,"sentiment":"neutral","sentiment_score":0.005303975660353899},{"text":"It's...","start":737.42,"end":737.92,"sentiment":"neutral","sentiment_score":-0.0007238661637529731},{"text":"Have you got it spelled?","start":738.38,"end":739.5,"sentiment":"neutral","sentiment_score":-0.005353526864200831},{"text":"It's s a l o t e, but, yeah, with the","start":739.5,"end":742.605,"sentiment":"neutral","sentiment_score":0.005048606311902404}],"sentiment":"neutral","sentiment_score":0.0018526191448068453,"channel":1,"num_words":18,"start":736.86,"end":742.605},{"sentences":[{"text":"Yeah.","start":742.38,"end":742.88,"sentiment":"neutral","sentiment_score":0.01083382498472929}],"sentiment":"neutral","sentiment_score":0.01083382498472929,"channel":0,"num_words":1,"start":742.38,"end":742.88},{"sentences":[{"text":"name shall.","start":742.605,"end":743.345,"sentiment":"neutral","sentiment_score":0.010639197193086147}],"sentiment":"neutral","sentiment_score":0.010639197193086147,"channel":1,"num_words":2,"start":742.605,"end":743.345},{"sentences":[{"text":"Not a problem.","start":744.06,"end":744.86,"sentiment":"neutral","sentiment_score":0.21354604264100394},{"text":"I can update that for you.","start":744.86,"end":746.22,"sentiment":"neutral","sentiment_score":0.25186099112033844},{"text":"Thank you so much for that.","start":746.22,"end":747.92,"sentiment":"positive","sentiment_score":0.6537472208340963},{"text":"So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that.","start":748.3,"end":760.605,"sentiment":"neutral","sentiment_score":0.2283781791726748},{"text":"It's essentially giving you a lump sum benefit or two shall...","start":760.605,"end":764.445,"sentiment":"neutral","sentiment_score":0.1333730642429807}],"sentiment":"neutral","sentiment_score":0.2570131514554045,"channel":0,"num_words":56,"start":744.06,"end":764.445},{"sentences":[{"text":"Sorry, of $547,002.35.","start":764.445,"end":768.685,"sentiment":"neutral","sentiment_score":-0.13148152083158493},{"text":"Do you feel like that's sufficient?","start":768.685,"end":770.145,"sentiment":"neutral","sentiment_score":-0.17069221287965775},{"text":"Did you wanna sort of reevaluate that level of cover?","start":770.205,"end":773.33,"sentiment":"neutral","sentiment_score":-0.18011695444583892},{"text":"How do you feel about that?","start":773.33,"end":774.71,"sentiment":"neutral","sentiment_score":-0.08732110137740771}],"sentiment":"neutral","sentiment_score":-0.14974775969982146,"channel":0,"num_words":25,"start":764.445,"end":774.71},{"sentences":[{"text":"No.","start":775.09503,"end":775.335,"sentiment":"neutral","sentiment_score":-0.221098393201828},{"text":"For now, that's okay.","start":775.335,"end":776.455,"sentiment":"neutral","sentiment_score":-0.1460826201364398},{"text":"I mean, like, you","start":776.455,"end":777.575,"sentiment":"neutral","sentiment_score":-0.0341070587746799}],"sentiment":"neutral","sentiment_score":-0.10465078987181187,"channel":1,"num_words":9,"start":775.09503,"end":777.575},{"sentences":[{"text":"That's","start":777.41003,"end":777.65,"sentiment":"neutral","sentiment_score":-0.03367931768298149}],"sentiment":"neutral","sentiment_score":-0.03367931768298149,"channel":0,"num_words":1,"start":777.41003,"end":777.65},{"sentences":[{"text":"know,","start":777.575,"end":777.73505,"sentiment":"neutral","sentiment_score":-0.051539890468120575}],"sentiment":"neutral","sentiment_score":-0.051539890468120575,"channel":1,"num_words":1,"start":777.575,"end":777.73505},{"sentences":[{"text":"okay?","start":777.65,"end":778.15,"sentiment":"neutral","sentiment_score":-0.027011867612600327}],"sentiment":"neutral","sentiment_score":-0.027011867612600327,"channel":0,"num_words":1,"start":777.65,"end":778.15},{"sentences":[{"text":"once we purchase the property, it might have to change, but for now, it's okay.","start":777.73505,"end":782.075,"sentiment":"neutral","sentiment_score":-0.08117763884365559}],"sentiment":"neutral","sentiment_score":-0.08117763884365559,"channel":1,"num_words":15,"start":777.73505,"end":782.075},{"sentences":[{"text":"Yes.","start":782.53,"end":782.93,"sentiment":"neutral","sentiment_score":0.10313030332326888},{"text":"Absolutely.","start":782.93,"end":783.43,"sentiment":"neutral","sentiment_score":0.12153814733028412},{"text":"And when were you sort of...","start":783.65,"end":784.93,"sentiment":"neutral","sentiment_score":0.014388848096132278},{"text":"Do you have a plan on when you'd like to purchase property, or is it still just in the savings where you...","start":784.93,"end":789.905,"sentiment":"neutral","sentiment_score":-0.013077306148426776}],"sentiment":"neutral","sentiment_score":0.0007766934654985865,"channel":0,"num_words":30,"start":782.53,"end":789.905},{"sentences":[{"text":"Well, it was still in that stage of savings, but we're looking at about twelve to eighteen months the way that we're tracking.","start":790.23004,"end":796.57,"sentiment":"neutral","sentiment_score":-0.010893758305388948}],"sentiment":"neutral","sentiment_score":-0.010893758305388948,"channel":1,"num_words":23,"start":790.23004,"end":796.57},{"sentences":[{"text":"Twelve to eighteen months.","start":797.165,"end":798.365,"sentiment":"neutral","sentiment_score":0.016272902255877852},{"text":"Perfect.","start":798.365,"end":798.865,"sentiment":"positive","sentiment_score":0.44036638736724854},{"text":"Not a problem at all.","start":798.925,"end":800.125,"sentiment":"positive","sentiment_score":0.3612377643585205},{"text":"Excellent.","start":800.125,"end":800.625,"sentiment":"positive","sentiment_score":0.5349112153053284},{"text":"And then I've also got with your 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don't know, $30.40 grand maybe.","start":1544.98,"end":1547.16,"sentiment":"neutral","sentiment_score":-0.12782194713751474}],"sentiment":"neutral","sentiment_score":-0.12782194713751474,"channel":1,"num_words":6,"start":1544.98,"end":1547.16},{"sentences":[{"text":"Yep.","start":1547.8301,"end":1548.165,"sentiment":"neutral","sentiment_score":0.08755182474851608},{"text":"Beautiful.","start":1548.405,"end":1548.905,"sentiment":"positive","sentiment_score":0.38547396659851074},{"text":"40,000.","start":1550.3251,"end":1551.2251,"sentiment":"neutral","sentiment_score":0.17926061153411865},{"text":"Beautiful.","start":1551.525,"end":1552.025,"sentiment":"positive","sentiment_score":0.42384475469589233},{"text":"And is there any other assets or liabilities that I haven't noted down that you think are appropriate to note 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incredible.","start":1654.83,"end":1655.6499,"sentiment":"positive","sentiment_score":0.37602564692497253},{"text":"It goes fast.","start":1655.7899,"end":1656.6699,"sentiment":"neutral","sentiment_score":0.3115781943003337},{"text":"I've got a 21 year old, a 20 year old, and a 10 year old, so it goes 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retire.","start":2257.045,"end":2260.965,"sentiment":"neutral","sentiment_score":0.08991051564613978},{"text":"It's completely up to you.","start":2260.965,"end":2262.165,"sentiment":"neutral","sentiment_score":0.1659405529499054},{"text":"I will make it work no matter what you're after.","start":2262.165,"end":2264.345,"sentiment":"neutral","sentiment_score":0.12682678140699863}],"sentiment":"neutral","sentiment_score":0.11464285184488152,"channel":0,"num_words":33,"start":2256.405,"end":2264.345},{"sentences":[{"text":"Yeah.","start":2264.9949,"end":2265.315,"sentiment":"neutral","sentiment_score":0.08189811557531357},{"text":"Let's do 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ever have questions, let me know.","start":2357.6,"end":2359.6,"sentiment":"neutral","sentiment_score":0.19919421275456747},{"text":"How does that sound, Sandeep?","start":2359.6,"end":2360.9,"sentiment":"neutral","sentiment_score":0.22183780372142792}],"sentiment":"positive","sentiment_score":0.34713744185864925,"channel":0,"num_words":24,"start":2355.28,"end":2360.9},{"sentences":[{"text":"Awesome.","start":2361.5098,"end":2361.99,"sentiment":"positive","sentiment_score":0.566461443901062},{"text":"Thank you so much.","start":2361.99,"end":2363.13,"sentiment":"positive","sentiment_score":0.5837522894144058}],"sentiment":"positive","sentiment_score":0.5802941203117371,"channel":1,"num_words":5,"start":2361.5098,"end":2363.13},{"sentences":[{"text":"No.","start":2363.945,"end":2364.185,"sentiment":"neutral","sentiment_score":0.07287156581878662},{"text":"That's okay.","start":2364.185,"end":2364.7449,"sentiment":"neutral","sentiment_score":0.12734052538871765},{"text":"Thank you so much for calling me back and going through that.","start":2364.7449,"end":2367.145,"sentiment":"positive","sentiment_score":0.5766517495115598},{"text":"I really appreciate the time to reassess things with you.","start":2367.145,"end":2370.605,"sentiment":"positive","sentiment_score":0.5573834717273712},{"text":"I'll...","start":2371.225,"end":2371.705,"sentiment":"neutral","sentiment_score":0.10746227949857712}],"sentiment":"positive","sentiment_score":0.4972565618272011,"channel":0,"num_words":26,"start":2363.945,"end":2371.705},{"sentences":[{"text":"If it's okay, am I able to book you in now to go through your advice document in a couple of weeks?","start":2371.705,"end":2376.7449,"sentiment":"neutral","sentiment_score":0.08913974726403301},{"text":"Is that okay?","start":2376.7449,"end":2377.645,"sentiment":"neutral","sentiment_score":0.07924424732724826}],"sentiment":"neutral","sentiment_score":0.08795228727161884,"channel":0,"num_words":25,"start":2371.705,"end":2377.645},{"sentences":[{"text":"Yep.","start":2378.0752,"end":2378.395,"sentiment":"neutral","sentiment_score":0.09647510945796968},{"text":"That's fine.","start":2378.395,"end":2378.875,"sentiment":"neutral","sentiment_score":0.17458931356668472},{"text":"No problem.","start":2378.875,"end":2379.5352,"sentiment":"neutral","sentiment_score":0.28367947041988373}],"sentiment":"neutral","sentiment_score":0.2026025354862213,"channel":1,"num_words":5,"start":2378.0752,"end":2379.5352},{"sentences":[{"text":"Beautiful.","start":2380.94,"end":2381.44,"sentiment":"positive","sentiment_score":0.405670553445816},{"text":"It takes about three weeks to do so.","start":2381.82,"end":2384.06,"sentiment":"neutral","sentiment_score":0.12487433571368456},{"text":"So I'm looking at the week of the October 26.","start":2384.06,"end":2387.04,"sentiment":"neutral","sentiment_score":0.04615122824907303},{"text":"Is normally...","start":2387.98,"end":2389.2,"sentiment":"neutral","sentiment_score":0.03790615126490593},{"text":"Is there a certain day or time that suits you the best normally?","start":2389.74,"end":2392.96,"sentiment":"neutral","sentiment_score":0.05372699006245686}],"sentiment":"neutral","sentiment_score":0.07766002044081688,"channel":0,"num_words":34,"start":2380.94,"end":2392.96},{"sentences":[{"text":"Just any any day, like, any weekday after 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didn't mock me around at all.","start":2403.305,"end":2405.145,"sentiment":"neutral","sentiment_score":-0.31919203060013907},{"text":"You are busy, and you've got children.","start":2405.145,"end":2406.83,"sentiment":"neutral","sentiment_score":-0.19495741597243718},{"text":"Please don't ever think that.","start":2406.83,"end":2408.11,"sentiment":"neutral","sentiment_score":-0.20535728633403777},{"text":"Now you're in New South Wales, so you're an hour ahead of me.","start":2408.11,"end":2411.57,"sentiment":"neutral","sentiment_score":-0.006299780610089119}],"sentiment":"neutral","sentiment_score":-0.1485160474355022,"channel":0,"num_words":33,"start":2402.745,"end":2411.57},{"sentences":[{"text":"So 02:30 your time is 01:30 my time.","start":2412.43,"end":2415.8901,"sentiment":"neutral","sentiment_score":-0.0014731010887771845},{"text":"If I was to pop it in there for, say, Wednesday, October 28, I could do from 02:30 New South Wales 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there for you so it does send you a message.","start":2430.085,"end":2433.845,"sentiment":"neutral","sentiment_score":0.2940032076504495},{"text":"If anything comes up, you're welcome to let me know.","start":2433.845,"end":2436.345,"sentiment":"neutral","sentiment_score":0.1574815385043621},{"text":"If you get to the day and you can't take the call, that's fine.","start":2436.6,"end":2439.7202,"sentiment":"neutral","sentiment_score":-0.06586578993925027},{"text":"I'll call you, and I'll send you a text message.","start":2439.7202,"end":2441.8,"sentiment":"neutral","sentiment_score":0.040639619901776315}],"sentiment":"neutral","sentiment_score":0.1334807718137525,"channel":0,"num_words":53,"start":2429.605,"end":2441.8},{"sentences":[{"text":"And you can just let me know if it's not suitable, and we can reschedule.","start":2441.8,"end":2444.86,"sentiment":"neutral","sentiment_score":-0.12224040428797404},{"text":"Okay.","start":2445.1602,"end":2445.6602,"sentiment":"neutral","sentiment_score":0.2720640301704407}],"sentiment":"neutral","sentiment_score":-0.09759637713432312,"channel":0,"num_words":16,"start":2441.8,"end":2445.6602},{"sentences":[{"text":"Awesome.","start":2445.9102,"end":2446.3901,"sentiment":"positive","sentiment_score":0.7325680255889893},{"text":"Thank you so much.","start":2446.3901,"end":2447.53,"sentiment":"positive","sentiment_score":0.8091723769903183}],"sentiment":"positive","sentiment_score":0.7938515067100524,"channel":1,"num_words":5,"start":2445.9102,"end":2447.53},{"sentences":[{"text":"My pleasure.","start":2448.915,"end":2449.475,"sentiment":"positive","sentiment_score":0.8066369295120239},{"text":"Thank you so much, Sandy.","start":2449.475,"end":2450.595,"sentiment":"positive","sentiment_score":0.8515736818313598},{"text":"You have a lovely afternoon, and I'll get working on all of this research for you.","start":2450.595,"end":2454.5151,"sentiment":"positive","sentiment_score":0.8293827772140503},{"text":"And I'll get those emails","start":2454.5151,"end":2455.5552,"sentiment":"positive","sentiment_score":0.49793426394462587}],"sentiment":"positive","sentiment_score":0.7725335008331707,"channel":0,"num_words":28,"start":2448.915,"end":2455.5552},{"sentences":[{"text":"Thank you.","start":2455.285,"end":2456.025,"sentiment":"positive","sentiment_score":0.5173473358154297}],"sentiment":"positive","sentiment_score":0.5173473358154297,"channel":1,"num_words":2,"start":2455.285,"end":2456.025},{"sentences":[{"text":"out to you as well and your beneficiaries there.","start":2455.5552,"end":2457.875,"sentiment":"positive","sentiment_score":0.5294784406820933},{"text":"My pleasure.","start":2457.875,"end":2458.615,"sentiment":"positive","sentiment_score":0.6729726791381836}],"sentiment":"positive","sentiment_score":0.5555683022195642,"channel":0,"num_words":11,"start":2455.5552,"end":2458.615},{"sentences":[{"text":"Alright.","start":2459.525,"end":2459.925,"sentiment":"positive","sentiment_score":0.48566874861717224},{"text":"Thanks again for all the information, and I'll talk soon.","start":2459.925,"end":2462.7449,"sentiment":"positive","sentiment_score":0.7009675323963165}],"sentiment":"positive","sentiment_score":0.6813949156891216,"channel":1,"num_words":11,"start":2459.525,"end":2462.7449},{"sentences":[{"text":"Not a problem.","start":2463.95,"end":2464.67,"sentiment":"positive","sentiment_score":0.5935134887695312},{"text":"You have a good afternoon.","start":2464.67,"end":2465.81,"sentiment":"positive","sentiment_score":0.7420412063598633},{"text":"Enjoy time with the kids.","start":2466.03,"end":2467.41,"sentiment":"positive","sentiment_score":0.7946334481239319}],"sentiment":"positive","sentiment_score":0.7279933645175054,"channel":0,"num_words":13,"start":2463.95,"end":2467.41},{"sentences":[{"text":"Yeah.","start":2468.07,"end":2468.3901,"sentiment":"positive","sentiment_score":0.4483731985092163},{"text":"Thank you.","start":2468.3901,"end":2469.03,"sentiment":"positive","sentiment_score":0.6019307076931}],"sentiment":"positive","sentiment_score":0.550744871298472,"channel":1,"num_words":3,"start":2468.07,"end":2469.03},{"sentences":[{"text":"He","start":2468.99,"end":2469.15,"sentiment":"neutral","sentiment_score":0.24506470561027527}],"sentiment":"neutral","sentiment_score":0.24506470561027527,"channel":0,"num_words":1,"start":2468.99,"end":2469.15},{"sentences":[{"text":"Bye.","start":2469.03,"end":2469.53,"sentiment":"neutral","sentiment_score":0.29581114649772644}],"sentiment":"neutral","sentiment_score":0.29581114649772644,"channel":1,"num_words":1,"start":2469.03,"end":2469.53},{"sentences":[{"text":"sounds like he's ready.","start":2469.15,"end":2470.37,"sentiment":"positive","sentiment_score":0.3974631205201149},{"text":"See you later.","start":2470.83,"end":2471.65,"sentiment":"positive","sentiment_score":0.3373451232910156}],"sentiment":"positive","sentiment_score":0.37169826456478666,"channel":0,"num_words":7,"start":2469.15,"end":2471.65},{"sentences":[{"text":"Yes.","start":2471.67,"end":2471.99,"sentiment":"neutral","sentiment_score":0.1025538444519043},{"text":"Hold on.","start":2471.99,"end":2472.73,"sentiment":"neutral","sentiment_score":-0.047084435820579536}],"sentiment":"neutral","sentiment_score":0.0027949909369150753,"channel":1,"num_words":3,"start":2471.67,"end":2472.73}]},"summary":{"result":"success","short":"The Vanguard index chart shows growth investments and lower risk investments, but growth investments can lead to negative returns. The speaker emphasizes updating portfolios and maintaining a portfolio that is good for one or more years, as well as accessing a house and contributing to a super saver scheme. The agent recommends updating a profile and provides financial advice for the customer. The customer is advised to keep their phone number and send their income and expenses to the agent. The agent also discusses the customer's retirement goals and goals for their property purchase. The agent schedules a follow-up call to update the customer's coverage and portfolio, and offers to refer them to a solicitor."},"intents":{"segments":[{"text":"So what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds.","start_word":326,"end_word":347,"intents":[{"intent":"Compare investments","confidence_score":0.0034676548}]},{"text":"The likelihood Mhmm.","start_word":595,"end_word":597,"intents":[{"intent":"Identify risks","confidence_score":0.00008161619}]},{"text":"those investments every so often as well because a portfolio that was good a couple of years ago might need to be rejigged or just updated now. And then and then in the future, we update portfolios again. Does that make sense? I understand.","start_word":741,"end_word":784,"intents":[{"intent":"Update portfolios","confidence_score":0.4809433}]},{"text":"wanted to access your super to, you know, purchase a house or something? Is that something possible?","start_word":840,"end_word":856,"intents":[{"intent":"Access super","confidence_score":0.77212185}]},{"text":"I just... I was just curious. Yeah.","start_word":985,"end_word":991,"intents":[{"intent":"Confirm interest","confidence_score":0.00050795753}]},{"text":"I think it's, like, $50 or something a week. Is that Yes.","start_word":1014,"end_word":1025,"intents":[{"intent":"Understand cost","confidence_score":0.00551275}]},{"text":"per week now compounds really well over time.","start_word":1040,"end_word":1047,"intents":[{"intent":"Compound","confidence_score":0.0048780213}]},{"text":"Starting those contributions at a smaller amount now and building them up over time has a much greater effect rather than starting them later down the track and having less time for the money invested. So it definitely is Okay.","start_word":1179,"end_word":1218,"intents":[{"intent":"Extend contribution rate","confidence_score":9.0306764e-7}]},{"text":"So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments. I'll update the portfolio for you and make some recommendations there.","start_word":1412,"end_word":1442,"intents":[{"intent":"Recommend portfolio updates","confidence_score":0.016494036},{"intent":"Recommend portfolio recommendations","confidence_score":0.0014065941}]},{"text":"I just wanted to sort of ask a couple of questions and do a risk profile questionnaire Okay.","start_word":1454,"end_word":1471,"intents":[{"intent":"Ask about risk","confidence_score":0.0022486467},{"intent":"Question questions","confidence_score":0.00073495647},{"intent":"Ask questions","confidence_score":0.35074553},{"intent":"Ask questions","confidence_score":0.4313841},{"intent":"Ask questions","confidence_score":0.48948506},{"intent":"Ask questions","confidence_score":0.2658449},{"intent":"Ask about investment","confidence_score":0.00882024},{"intent":"Ask questions","confidence_score":0.38529932}]},{"text":"The next one that I can answer. Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can? Or are you not really comfortable with taking risk in the market knowing the returns are lower? Where do you think you fit on that scale? Probably mediums.","start_word":1533,"end_word":1620,"intents":[{"intent":"Try investments","confidence_score":0.00029809235}]},{"text":"Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can? Or are you not really comfortable with taking risk in the market knowing the returns are lower? Where do you think you fit on that scale? Probably mediums.","start_word":1540,"end_word":1620,"intents":[{"intent":"Understand risk level","confidence_score":0.0012769665}]},{"text":"How do you think you might feel and react?","start_word":1731,"end_word":1739,"intents":[{"intent":"Ask about cash sales","confidence_score":0.000045978755}]},{"text":"Well, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played. Absolutely. Yep.","start_word":1740,"end_word":1767,"intents":[{"intent":"Have chat","confidence_score":0.0041615623}]},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds?","start_word":1779,"end_word":1802,"intents":[{"intent":"Discuss investment options","confidence_score":0.14533524}]},{"text":"So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your life cover covers you for 464,814. And with life insurance, if you were to pass away, your super is also paid out to your beneficiaries.","start_word":2153,"end_word":2202,"intents":[{"intent":"Update life insurance coverage","confidence_score":0.00055918103}]},{"text":"Is that correct? Yeah.","start_word":2221,"end_word":2224,"intents":[{"intent":"Confirm personal information","confidence_score":0.0018168825},{"intent":"Confirm understanding of details","confidence_score":0.00015724209}]},{"text":"Thank you so much for that.","start_word":2254,"end_word":2259,"intents":[{"intent":"Express gratitude","confidence_score":0.075693905}]},{"text":"So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that. It's essentially giving you a lump sum benefit or two shall... Sorry, of $547,002.35. Do you feel like that's sufficient? Did you wanna sort of reevaluate that level of cover? How do you feel about that?","start_word":2260,"end_word":2325,"intents":[{"intent":"Adjust coverage level","confidence_score":0.0008779302}]},{"text":"Twelve to eighteen months.","start_word":2406,"end_word":2409,"intents":[{"intent":"Recommend retirement years","confidence_score":3.1237832e-7}]},{"text":"And under the rules of disability or incapacity, we can also look to access your super.","start_word":2479,"end_word":2494,"intents":[{"intent":"Access super","confidence_score":0.79673535}]},{"text":"Are you fairly happy with that with TPD? Do you have more questions around that type of insurances? No. That's fine.","start_word":2507,"end_word":2527,"intents":[{"intent":"Discuss situation with tpd","confidence_score":0.0046933377}]},{"text":"Now you don't happen to have any other types of insurances like income protection or trauma. And then now having a look at your circumstances, so you're part owner in a business with your dad. Is that right? Correct.","start_word":2564,"end_word":2602,"intents":[{"intent":"Discuss income protection and trauma","confidence_score":0.024884818}]},{"text":"You can let me know anytime. We'll make time to come back and review that. You're not limited to just one review. I definitely wanna... Once we update the advice, maybe check-in a bit more regularly and see how things are going and give you updates on your super a bit more regularly as well. Yeah.","start_word":2693,"end_word":2748,"intents":[{"intent":"Review advice","confidence_score":0.11746669},{"intent":"Update information","confidence_score":0.0036367164}]},{"text":"Absolutely.","start_word":2891,"end_word":2891,"intents":[{"intent":"Educate about insurances","confidence_score":0.001428406}]},{"text":"We do have to hold that on file, but this document is outlining essentially how and why we hold that tax file number for you and just making sure that you're aware of the personal information we do hold. Okay? Okay.","start_word":3160,"end_word":3200,"intents":[{"intent":"Hold tax file","confidence_score":0.048585314}]},{"text":"The last document attached is your ongoing service agreement. So over the past couple of years, we've had a ongoing service fee, which is 1.65%. This year, we've essentially made some changes and updated our ongoing service agreement.","start_word":3200,"end_word":3237,"intents":[{"intent":"Update service agreement","confidence_score":0.88799834}]},{"text":"However, it's now basically gonna be a fee... A tiered structure.","start_word":3252,"end_word":3262,"intents":[{"intent":"Understand fee arrangement","confidence_score":0.0013705061}]},{"text":"So our ongoing service fee is gonna be calculated based on the amount of funds we manage for you.","start_word":3263,"end_word":3281,"intents":[{"intent":"Calculate fee","confidence_score":0.6913839}]},{"text":"Essentially, we used to cap our fee at 600,000. We no longer do that, but we do reduce the percentage that your ongoing service fee is for each tier that you drop down up until your balance hits about $2,000,000 there.","start_word":3394,"end_word":3434,"intents":[{"intent":"Reduce fee","confidence_score":0.42775488}]},{"text":"If at any point the fee doesn't work with your super, it's disadvantaging you, then I'll come forward and make sure I speak to our, our team and let them know, and we'll look to obviously turn that off and see what we can do to help you.","start_word":3473,"end_word":3520,"intents":[{"intent":"Talk to team","confidence_score":0.028334375}]},{"text":"We'll start by cleaning up your screen, updating the portfolio, then definitely go from there for you.","start_word":3801,"end_word":3817,"intents":[{"intent":"Update portfolio","confidence_score":0.02742053}]},{"text":"Now your income we had noted down last time was about 50,000. Has your income gone up, or is it still the same? You know what?","start_word":3838,"end_word":3863,"intents":[{"intent":"Update income","confidence_score":0.101369694}]},{"text":"The other thing I'm just looking at here is your beneficiary nominations as well. So I'm sort of having a look, and I can note that on your super and your insurances, we don't seem to have a beneficiary nomination. It is definitely something I wanna make sure we have updated for you. Essentially, a beneficiary nomination on your super and your life insurance directs what you want to happen to those funds if you were to pass away.","start_word":4916,"end_word":4994,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.09537028}]},{"text":"What I can do is I will make sure it gets done and filled out, and I'll send it to you. That way, it can be all signed and witnessed. Just double checking.","start_word":5157,"end_word":5189,"intents":[{"intent":"Check form completion","confidence_score":0.00038162436}]},{"text":"I've got... I don't have her date of birth. Can you give me her date of birth as well?","start_word":5248,"end_word":5266,"intents":[{"intent":"Verify information","confidence_score":0.0004057963},{"intent":"Confirm identity","confidence_score":0.00043058651}]},{"text":"What I'll do for you is I'll pre fill the form, and then we'll get my team to send it out to you.","start_word":5274,"end_word":5296,"intents":[{"intent":"Send document","confidence_score":0.036957726}]},{"text":"needs to be printed out, signed, and witnessed by two witnesses.","start_word":5318,"end_word":5328,"intents":[{"intent":"Print form","confidence_score":0.0060528927}]},{"text":"So I'll get that for the hub 24 and the towel policy so we can have everything updated for you. Okay?","start_word":5456,"end_word":5476,"intents":[{"intent":"Update policy","confidence_score":0.05498236}]},{"text":"she would just contact you guys? Is that how it works?","start_word":5492,"end_word":5502,"intents":[{"intent":"Check contact information","confidence_score":0.0041625435}]},{"text":"We would then start Yep.","start_word":5586,"end_word":5590,"intents":[{"intent":"Start yep","confidence_score":0.22726528}]},{"text":"the claims process with the insurer and your super funds, and Yep. sort of make sure that we're helping along to get all of that sorted for for her so it's as as streamlined as absolutely possible.","start_word":5592,"end_word":5628,"intents":[{"intent":"Process claims","confidence_score":0.029188193}]},{"text":"we wanted to increase it, is that Mhmm. something easy to do?","start_word":5669,"end_word":5680,"intents":[{"intent":"Increase cover","confidence_score":0.26696882}]},{"text":"As part of increasing that, they... I tend to do a new pre assessment with you just to sort of understand what your health looks like and if there's been any changes since your original application. I Yep.","start_word":5683,"end_word":5720,"intents":[{"intent":"Check health","confidence_score":0.0048927995}]},{"text":"We update the advice to show our recommendations on what we're recommending and how you increase the cover.","start_word":5758,"end_word":5775,"intents":[{"intent":"Update advice","confidence_score":0.18615796}]},{"text":"But the first step is really when you decide you wanna increase the cover, we look at what you wanna increase it to, what you want to be covered for, what your goal is.","start_word":5922,"end_word":5955,"intents":[{"intent":"Determine target","confidence_score":0.00013250967}]},{"text":"We'll come back with a recommendation. We'll go through that together, and then we'll let you decide whether you're happy to take that or not.","start_word":5978,"end_word":6002,"intents":[{"intent":"Recommend recommendation","confidence_score":0.27508858}]},{"text":"a home, I just wanted to make sure I'd be covered under Yeah.","start_word":6026,"end_word":6038,"intents":[{"intent":"Share insurance policy","confidence_score":0.0000037010489}]},{"text":"But moving forward, I do wanna make sure that catch ups are being done a bit more regularly with you to help you understand what's happening with your super and give you more regular updates as well. Did you wanna sort of see those every six months to begin with, or what's your preference? Yeah.","start_word":6138,"end_word":6192,"intents":[{"intent":"Set up regular catch-ups","confidence_score":0.000026237942}]},{"text":"Did you wanna sort of see those every six months to begin with, or what's your preference? Yeah.","start_word":6175,"end_word":6192,"intents":[{"intent":"Provide information","confidence_score":0.010528832}]},{"text":"Did you wanna sort of see those every six months to begin with, or what's your preference? Yeah. Yeah.","start_word":6175,"end_word":6193,"intents":[{"intent":"Clarify preferences","confidence_score":0.00088673073}]},{"text":"And if you need anything in the meantime, you can always give me a buzz. Let me know you need another conversation or update or you have additional questions. You're not limited to just the time frames. You can call me at any time, day or night, and we'll make sure we fit you in to be able to answer any questions you have or give you an update or, you know, reassess the advice whenever you need as well there.","start_word":6202,"end_word":6282,"intents":[{"intent":"Provide assistance","confidence_score":0.003851228}]},{"text":"If you wanted to, I could send you through some information on costing of how much it can generally cost to set up a dual wheel just to kinda give you a bit of a guide and start that conversation. Would you like that information sent through? Yeah.","start_word":6383,"end_word":6430,"intents":[{"intent":"Set up dual wheel setup","confidence_score":0.00032670275}]},{"text":"The only other thing to sort of look at is just sort of reassessing goals and things for you. So just going back to your annual review last year, one of the goals you had in the next sort of five years was to focus on your priority of continually growing the business and the potential to include property purchase down the track.","start_word":6465,"end_word":6527,"intents":[{"intent":"Reassessing goals","confidence_score":0.009416032}]},{"text":"We've been growing it. Yep. It's been going... Like, it's all Fantastic. tracking the way that I would hope so. Yep.","start_word":6566,"end_word":6586,"intents":[{"intent":"Track growth","confidence_score":0.042503666}]},{"text":"Well, I'll definitely keep those goals on here for you.","start_word":6658,"end_word":6667,"intents":[{"intent":"Keep goals","confidence_score":0.009881138}]},{"text":"You were hoping to originally look at accessing super around about age 67.","start_word":6678,"end_word":6690,"intents":[{"intent":"Access super","confidence_score":0.93538606}]},{"text":"the business, now I just sort of wanted to get a gauge on how that... You know, what you expect or want to happen to that down the track there. So with A and G Foods, are you sort of hoping to keep that growing and, you know, keep income through retirement and still keep that, like, going to supplement super? Or what's the plan with the business down the track?","start_word":6981,"end_word":7051,"intents":[{"intent":"Get a gauge on potential business impact","confidence_score":1.9052652e-7}]},{"text":"Yep.","start_word":7258,"end_word":7258,"intents":[{"intent":"Analyze adviser availability","confidence_score":0.00009228635}]}]},"sentiments":{"segments":[{"text":"I'll pay with those because they're permanent. Hi, Sandeep. Is that... So sorry. That's alright. I just... I've called off a different... Like, I've got another phone, so I don't know. Maybe, hopefully, that's... No. That's okay. I'm doing the same thing. So I turned my mobile on with our phone app, so I'm hoping that that might make it a bit easier for you. Alright.","start_word":0,"end_word":65,"sentiment":"neutral","sentiment_score":0.07314815372228622},{"text":"All good. Let's hope so.","start_word":66,"end_word":70,"sentiment":"positive","sentiment_score":0.43133872747421265},{"text":"Yeah.","start_word":71,"end_word":71,"sentiment":"neutral","sentiment_score":0.26132187247276306},{"text":"All good.","start_word":72,"end_word":73,"sentiment":"positive","sentiment_score":0.3353424668312073},{"text":"So just double checking. Now we... We're looking at that Vanguard index chart, which is the next document along. Is that the one that you can see there? Yeah. Yeah. So with that one there, if you look on this side on on mine, it's the right hand side, you'll see The US shares, Australian shares, international shares, and listed property. Can you see those investments added there? I can. Yep. Yeah. So those are essentially what we call growth assets. In your growth portfolio, you've got about 80% invested in these sorts of investments. And the idea is these are the ones that get great growth or get the best returns over longer term there. If you Okay. sort of, as an example, take The US shares, this document Yep. shows that investing $10,000 back in 1996 and letting that fit in the investment over time, you know, re... Reinvesting any growth and income that's been distributed, it would have turned $10,000 into over 218,000. So it's giving you an annual compound of return of 10.8%. And that's I understand. why these investments get better long term growth and returns, but they also see the ups and downs that can make us quite nervous. Like, sitting in that over the last thirty years, you've gone through some big ups and downs in the market there. Does that make sense? It does. Yeah. I understand. I can see a few dips in that... In the thing Yeah. as well. Yeah. Yeah. Yeah. So what we want, we wanna see a combination of those growth investments as well as some lower risk investments like bonds. And you can sort of see those bonds underneath that. That's the defensive investment, so it's lower risk. It's expected to get a lower rate of return, but you wanna have some sort of investments of these in there because when, say, equities aren't doing so well, these investments tend to smooth out market returns.","start_word":74,"end_word":402,"sentiment":"neutral","sentiment_score":0.09192378517795116},{"text":"They have a very steady kind of track record.","start_word":403,"end_word":411,"sentiment":"positive","sentiment_score":0.6053653955459595},{"text":"And you can see 10,000 in bonds over the last thirty years has averaged 5.2%, so it's only turned it into $45,000 there. And that's because it gets a lower rate of return, but it doesn't see the ups and downs or what we call volatility very much. It doesn't go through that drastic up and down kind of feeling. So because you're younger, we wanna be able to take... Or you're able to take a bit more risk in the market, have more of these growth investments in your portfolio and less of these defensive investments.","start_word":412,"end_word":508,"sentiment":"neutral","sentiment_score":0.03298602253198624},{"text":"But as you get older and closer to accessing your super, that's when you start to feel a bit more nervous.","start_word":509,"end_word":529,"sentiment":"negative","sentiment_score":-0.41387537121772766},{"text":"And when you're roughly about six years away from accessing super, then we start to decrease the exposure into these growth assets and increase the exposure into those defensive lower risk investments. Does that make sense? I understand. Yeah. Okay. Yeah. Yeah. So with that growth environment you're in at the moment, it suits someone who has at least six years before accessing their super. The likelihood Mhmm. of a negative return because we understand with the ups and downs, the risk of a negative return is around about one in every five odd years, and you're looking to try and average around about a seven to 9% return on a yearly basis and compounding that over time with the volatility, the... You know, with the ups and downs the market can see with that seven to 9%, essentially, some years you'll get a much greater return. It might be ten, eleven, 20% return, whereas other years it might be lower like this year where it's a 4% return.","start_word":530,"end_word":698,"sentiment":"neutral","sentiment_score":-0.1712302267551422},{"text":"And we just wanna kinda keep reviewing that, take advantage of the down times, and, yeah, enjoy the good times. And over the next, you know, twenty odd years, keep your super compounding working forward.","start_word":699,"end_word":733,"sentiment":"positive","sentiment_score":0.5786635875701904},{"text":"So it's also important to update Yes. those investments every so often as well because a portfolio that was good a couple of years ago might need to be rejigged or just updated now. And then and then in the future, we update portfolios again. Does that make sense? I understand. That makes sense. Yeah. Yeah.","start_word":734,"end_word":789,"sentiment":"neutral","sentiment_score":0.15890111029148102},{"text":"Beautiful.","start_word":790,"end_word":790,"sentiment":"positive","sentiment_score":0.620107114315033},{"text":"Do you have more questions there? You're welcome to let me know if you do. No. No. That's okay. How does... This is just something that I got asked. And since I'm talking to you, Yeah. I may Yeah. as well ask, how does it work if you Mhmm. wanted to access your super to, you know, purchase a house or something? Is that something possible? It's not at the moment. So they used to have ways in which you could open a cell phone. It's super fun to do so, but you can't own the house and live in the house, essentially. With Right. the way your super is at the moment, you can't technically access it to purchase a home. The only way at the moment is if you're a first home buyer, you can look to contribute more to super and utilize first home super saver scheme where you put more money into super by way of contributions similar to your employer contributions. You build that up to a certain extent, and then you can draw some of that money out to help you with the deposit. Yeah. I understand. Okay. I just... I was just curious. Yeah. So Yeah. the other question I had was I'm putting, like, an extra something. I can't even remember how much it is. I think it's, like, $50 or something a week. Is that Yes. worth doing, or should I... Yeah.","start_word":791,"end_word":1031,"sentiment":"neutral","sentiment_score":0.01461812388151884},{"text":"Absolutely. Definitely worth doing.","start_word":1032,"end_word":1035,"sentiment":"positive","sentiment_score":0.41944369673728943},{"text":"So that $50 Yep. per week now compounds really well over time. So one of the things I like to look at, if you think about putting, you know, $20 in and then you get Yes. a 100% return, that $20 turns to $40 and then $60. By starting that now and compounding that over the next twenty odd years, you end Sorry. up Can with you... a much Sorry. greater Can you effect. hold on one sec? Sure. Yeah. Sorry. You're right. Yeah. Sorry about that.","start_word":1036,"end_word":1122,"sentiment":"neutral","sentiment_score":0.1574141054317869},{"text":"That's absolutely fine.","start_word":1123,"end_word":1125,"sentiment":"positive","sentiment_score":0.3569599986076355},{"text":"That's not a problem at all. Is all go... All okay? Yeah. Yeah. He's just trying to get some markers and stuff that he's not allowed to pay with. Oh, testing your patience. Yeah. No. All good.","start_word":1126,"end_word":1162,"sentiment":"neutral","sentiment_score":0.09450972080230712},{"text":"All good.","start_word":1163,"end_word":1164,"sentiment":"positive","sentiment_score":0.3444311320781708},{"text":"Yeah. Sorry.","start_word":1165,"end_word":1166,"sentiment":"neutral","sentiment_score":0.26474255323410034},{"text":"So, yeah, no compounding that over the longer term is definitely worthwhile. Starting those contributions at a smaller amount now and building them up over time has a much greater effect rather than starting them later down the track and having less time for the money invested. So it definitely is Okay. worth doing.","start_word":1167,"end_word":1220,"sentiment":"positive","sentiment_score":0.5542582273483276},{"text":"Yeah. Yeah. Definitely. Does there... Is there any other questions that have come out of any of that? You're welcome to let me know if you need me to break things down further for you.","start_word":1221,"end_word":1255,"sentiment":"neutral","sentiment_score":0.16863587498664856},{"text":"Absolutely happy to help.","start_word":1256,"end_word":1259,"sentiment":"positive","sentiment_score":0.45931529998779297},{"text":"No. If if they come to me, I'll I'll ask. It's I think you've Yeah. covered it pretty well. I've got my header... Yeah. Like, obviously, you know, not into detail, but I've got my head around the juice, which I feel Absolutely. more comfortable with. Yeah.","start_word":1260,"end_word":1306,"sentiment":"neutral","sentiment_score":0.08040867000818253},{"text":"Perfect.","start_word":1307,"end_word":1307,"sentiment":"positive","sentiment_score":0.43506303429603577},{"text":"And, look, I did send you an email before, so you're welcome to email me back at any point if you have more questions.","start_word":1308,"end_word":1331,"sentiment":"neutral","sentiment_score":0.2872014343738556},{"text":"I'm more than happy to answer them and help you and break it down. It's not a problem at all. It's actually really good that you wanna take more of a, you know, look at your super more in-depth. Because at the end of the day, this is part of your income that goes into super. So when you get to retirement, you wanna enjoy those years, and that'll be your Yeah.","start_word":1332,"end_word":1403,"sentiment":"positive","sentiment_score":0.5197294354438782},{"text":"income Exactly. and your money. Yeah.","start_word":1404,"end_word":1409,"sentiment":"neutral","sentiment_score":0.13476040959358215},{"text":"Yeah. Beautiful.","start_word":1410,"end_word":1411,"sentiment":"positive","sentiment_score":0.5119556188583374},{"text":"So, essentially, with your super, as I kinda mentioned, I wanna go back and review the super and the investments. I'll update the portfolio for you and make some recommendations there. We did kinda touch base that you're in that growth environment. I just wanted to sort of ask a couple of questions and do a risk profile questionnaire Okay. just to make sure that you're in the correct portfolio realistically. These are all multiple choice, very similar to what you have Okay. in to those over the past couple of years there. The first one here is, do you or have you owned any direct shares in your own name in the past at all? No. Nope. That's okay.","start_word":1412,"end_word":1531,"sentiment":"neutral","sentiment_score":0.1097191870212555},{"text":"Beautiful.","start_word":1532,"end_word":1532,"sentiment":"positive","sentiment_score":0.5271180868148804},{"text":"The next one that I can answer. Now the next one here is basically asking, when you think about your super, do you feel comfortable taking on a higher level of risk now in order to get greater potential returns? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can? Or are you not really comfortable with taking risk in the market knowing the returns are lower? Where do you think you fit on that scale? Probably mediums. Yep.","start_word":1533,"end_word":1621,"sentiment":"neutral","sentiment_score":-0.03566650301218033},{"text":"Beautiful.","start_word":1622,"end_word":1622,"sentiment":"positive","sentiment_score":0.35743939876556396},{"text":"The next one here is if you saw your super fall by, say, 20% in the next, say, six to twelve months with what was happening globally, how do you think you might feel and react? Do you think it maybe... See it as an investment opportunity, put some money in, and take advantage of the downtime? Are you a bit unsure, a bit cautious, and maybe call us and have a chat and see what's happening? Just hold and wait and see what happens going through that moment, or are you maybe a bit stressed out and wanting to sell that money... Sell your investments for cash? How do you think you might feel and react? Well, I know you've explained, like, the downtime thing and all that, but I'd probably still prefer to just have a chat before a movie played. Absolutely. Yep. Yep.","start_word":1623,"end_word":1768,"sentiment":"neutral","sentiment_score":-0.047407183796167374},{"text":"Absolutely. Perfect.","start_word":1769,"end_word":1770,"sentiment":"positive","sentiment_score":0.4797032773494721},{"text":"And I'll pop you down there.","start_word":1771,"end_word":1776,"sentiment":"neutral","sentiment_score":0.3228210508823395},{"text":"Excellent.","start_word":1777,"end_word":1777,"sentiment":"positive","sentiment_score":0.5160170793533325},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds? Do you consider that too risky without proper advice, or would you only borrow money for, say, buying a property? I don't need to borrow money to buy a property. Yep.","start_word":1778,"end_word":1832,"sentiment":"neutral","sentiment_score":-0.07074391841888428},{"text":"Beautiful.","start_word":1833,"end_word":1833,"sentiment":"positive","sentiment_score":0.48806655406951904},{"text":"I think having a look here, it looks like one of your goals down the track was that you were wanting to purchase property. Is that right? Yeah. Yeah. Yep.","start_word":1834,"end_word":1863,"sentiment":"neutral","sentiment_score":0.1835639476776123},{"text":"Beautiful. I'll just pop that down there for you. Beautiful. Excellent. So just sort of looking at that, and thank you so much for answering those questions, you have scored as a growth investor there.","start_word":1864,"end_word":1898,"sentiment":"positive","sentiment_score":0.4767966568470001},{"text":"So that that sort of risk profile where you see 80% in those growth assets plus 20% in lower risk defensive investments like cash and bonds, it does suit your time horizon. Do you feel fairly comfortable staying in that environment? Do you have any more questions around that? No. I feel pretty comfortable. Yep. Yep.","start_word":1899,"end_word":1954,"sentiment":"neutral","sentiment_score":0.15943469107151031},{"text":"Beautiful.","start_word":1955,"end_word":1955,"sentiment":"positive","sentiment_score":0.4082770347595215},{"text":"Well, I'll make sure I keep you in that sort of profile. I'll go back and review everything. What we do is we update the advice, then I'll Yep. come back and speak to you. I'll show the advice document, what I'm recommending. We'll go through it together. You can ask any questions you have, and then Yep. you'll get to go back and have a read of that as well. It outlines the recommendations, the risks, the advantages, and the disadvantages. And it also notes the best interest duty, so how and why I'm making those recommendations and how it relates back to your goals. So it just takes a couple of weeks to get that sorted. And when I've got that document ready, we'll go through that together at a time, and you can review it. How does that sound?","start_word":1956,"end_word":2097,"sentiment":"neutral","sentiment_score":0.16977860033512115},{"text":"That sounds good. Thank you.","start_word":2098,"end_word":2102,"sentiment":"positive","sentiment_score":0.49916043877601624},{"text":"Yep. Yeah.","start_word":2103,"end_word":2104,"sentiment":"neutral","sentiment_score":0.22458215057849884},{"text":"That's not a problem at all. Beautiful.","start_word":2105,"end_word":2111,"sentiment":"positive","sentiment_score":0.4082906246185303},{"text":"Now the next thing I just wanted to touch base on was your insurances. Now on the first page that I documented, that one's your life and TBD policy you have through Cal. This is paid out of your super fund. So your current sum insured with your life cover, essentially, the way I look at this is if you were to pass away today, your life cover covers you for 464,814. And with life insurance, if you were to pass away, your super is also paid out to your beneficiaries. So just sort of thinking about your circumstances, I've got here that your... So your partner is Charlotte. Is that correct? Yeah. It's... Have you got it spelled? It's s a l o t e, but, yeah, with the Yeah. name shall. Not a problem. I can update that for you.","start_word":2112,"end_word":2253,"sentiment":"neutral","sentiment_score":0.045574026720099886},{"text":"Thank you so much for that.","start_word":2254,"end_word":2259,"sentiment":"positive","sentiment_score":0.6448484659194946},{"text":"So thinking about that level of cover, like, if you were to pass away today, you've got this $464,008.14, plus your super your super paid out on top of that. It's essentially giving you a lump sum benefit or two shall... Sorry, of $547,002.35. Do you feel like that's sufficient? Did you wanna sort of reevaluate that level of cover? How do you feel about that? No. For now, that's okay. I mean, like, you That's know, okay? once we purchase the property, it might have to change, but for now, it's okay. Yes. Absolutely. And when were you sort of... Do you have a plan on when you'd like to purchase property, or is it still just in the savings where you... Well, it was still in that stage of savings, but we're looking at about twelve to eighteen months the way that we're tracking. Twelve to eighteen months.","start_word":2260,"end_word":2409,"sentiment":"neutral","sentiment_score":0.008500873111188412},{"text":"Perfect. Not a problem at all. Excellent.","start_word":2410,"end_word":2416,"sentiment":"positive","sentiment_score":0.40550610423088074},{"text":"And then I've also got with your TPD. So TPD or total permanent disability can pay out a lump sum benefit or an income stream if you're never able to go back to work again. So you're permanently disabled, and the doctor is saying you're probably never gonna do your job again ever. You have Mhmm. the same level of cover. And under the rules of disability or incapacity, we can also look to access your super. So you realistically have the same level of cover that you're covered for. Are you fairly happy with that with TPD? Do you have more questions around that type of insurances? No. That's fine. That's okay. I've been explaining Beautiful. that before already. So, like, Oh, all I need beautiful. to know is that that amount would just be the Yep. $4.64. Right? Yes. Correct. Yeah. Absolutely. Yep.","start_word":2417,"end_word":2561,"sentiment":"neutral","sentiment_score":0.042423872379907246},{"text":"Perfect. Excellent.","start_word":2562,"end_word":2563,"sentiment":"positive","sentiment_score":0.6616894006729126},{"text":"Now you don't happen to have any other types of insurances like income protection or trauma. And then now having a look at your circumstances, so you're part owner in a business with your dad. Is that right? Correct. Yes. Yeah. Beautiful. So if in the event that you were unable to go to work in the short term, are you still able to collect income and get paid income to cover your bills and expenses, or do you feel like you would need some income protection to cover you? For now, I think we're okay, Yep. But I have discussed that, and if I do decide to take it up, I could just call you guys and go through, Oh, like, absolutely. the staffing. Yeah? Yeah. Yeah. Absolutely. You can let me know anytime. We'll make time to come back and review that. You're not limited to just one review. I definitely wanna... Once we update the advice, maybe check-in a bit more regularly and see how things are going and give you updates on your super a bit more regularly as well. Yeah. Okay. Cool. Beautiful. There are other types of insurances like trauma. So trauma pays out like a lump sum benefit if you're diagnosed with a major traumatic condition. So think about things like cancer, heart attack, strokes, Parkinson's, or, you know, MS, big neurological conditions as well. Trauma, you can't... So there are types of insurances you can pay inside super, like your life, your TBD, your income protection, but trauma is one you have to pay out of your back pocket.","start_word":2564,"end_word":2830,"sentiment":"neutral","sentiment_score":0.018575502559542656},{"text":"You're not allowed to pay for that super, unfortunately.","start_word":2831,"end_word":2839,"sentiment":"negative","sentiment_score":-0.4576029181480408},{"text":"Did you wanna Okay. look at anything that's paid out of pocket, or you're happy just with what you've got?","start_word":2840,"end_word":2859,"sentiment":"neutral","sentiment_score":0.08234987407922745},{"text":"I'm happy with what I've got for now.","start_word":2860,"end_word":2867,"sentiment":"positive","sentiment_score":0.5944520831108093},{"text":"But Yep. can That's you just okay. remind me to talk about income protection when I speak to you guys next, please? Yeah.","start_word":2868,"end_word":2890,"sentiment":"neutral","sentiment_score":0.10768242180347444},{"text":"Absolutely. Most definitely. And another thing for you to look at, and I'm happy to send you another email just to kinda break it down, but you can, down the track, also look at getting insurances to protect your children.","start_word":2891,"end_word":2930,"sentiment":"positive","sentiment_score":0.3836916983127594},{"text":"So you can have what's called child trauma, and that pays out a lump sum benefit if your child is diagnosed with a major traumatic condition Mhmm. or if they pass away as well. You can... It's also a bit of a life benefit. So down the track, if you wanted to, feel free to talk to your partner. If you did wanna revisit those other types of insurances or get more information, please let me know.","start_word":2931,"end_word":3007,"sentiment":"neutral","sentiment_score":0.1596061885356903},{"text":"I'm more than happy to have that conversation with you.","start_word":3008,"end_word":3017,"sentiment":"positive","sentiment_score":0.7049508094787598},{"text":"Okay? Okay. Yeah.","start_word":3018,"end_word":3020,"sentiment":"neutral","sentiment_score":0.21936866641044617},{"text":"Thank you.","start_word":3021,"end_word":3022,"sentiment":"positive","sentiment_score":0.4607183635234833},{"text":"That's alright. So we've kind of gone through... You're happy with the level of cover you have insurances.","start_word":3023,"end_word":3040,"sentiment":"neutral","sentiment_score":0.30258455872535706},{"text":"I'm gonna go back and review your super, which is fantastic.","start_word":3041,"end_word":3051,"sentiment":"positive","sentiment_score":0.5795323252677917},{"text":"Inside those documents there, the last couple of documents are your child certificate of currency. It's also outlining... Sorry. It's also got your financial services guide, which outlines everything about who we are, what we do, and how we do it. Got some lovely glossy photos of me in there and my licensing number as well because I'm a licensed financial adviser. So you've got that there. You're welcome to look me up if you do need to. Okay.","start_word":3052,"end_word":3130,"sentiment":"neutral","sentiment_score":0.1859345585107803},{"text":"Thank you.","start_word":3131,"end_word":3132,"sentiment":"positive","sentiment_score":0.43877920508384705},{"text":"Yep. We've also got in there the tax file opt in form. So, essentially, we hold your tax file number because we opened your super account. We do have to hold that on file, but this document is outlining essentially how and why we hold that tax file number for you and just making sure that you're aware of the personal information we do hold. Okay? Okay. The last document attached is your ongoing service agreement. So over the past couple of years, we've had a ongoing service fee, which is 1.65%. This year, we've essentially made some changes and updated our ongoing service agreement. It does stay at 1.65% for your balance being under a hun... Under 200,000. However, it's now basically gonna be a fee... A tiered structure. So our ongoing service fee is gonna be calculated based on the amount of funds we manage for you. We use a tiered fee structure, so different rates apply depending on the level of funds under management. As an example, when your balance hits $202,100,000, up until that $200,000 mark, you pay 1.65. So your fee is the same as it always has been essentially now. Once your super balance hits 200,000, then you drop over into the next tier, and your... The tier drops down from 1.65% to one point three seven five. And then after that, we get to 500,000 and it drops down to the next tier again. So the idea is the the higher your super balance goes, the more it drops down into the next tier. Essentially, we used to cap our fee at 600,000. We no longer do that, but we do reduce the percentage that your ongoing service fee is for each tier that you drop down up until your balance hits about $2,000,000 there. So the idea is to kinda make sure our services, that we're getting paid for our services and looking after everything, but also making sure that the fee agreement works for you and that your super is growing.","start_word":3133,"end_word":3472,"sentiment":"neutral","sentiment_score":0.06755491346120834},{"text":"If at any point the fee doesn't work with your super, it's disadvantaging you, then I'll come forward and make sure I speak to our, our team and let them know, and we'll look to obviously turn that off and see what we can do to help you.","start_word":3473,"end_word":3520,"sentiment":"negative","sentiment_score":-0.34333157539367676},{"text":"But for the moment there, that's essentially how that works. And it essentially shows that this year, our ongoing service fee is expected to be $1,410.49 there. It's also now set as a set dollar figure fee, so you won't be charged any more than what's in that fee agreement, whereas it used to just be an estimated cost. And if your portfolio went up by, say, 20%, our fee went up with that 20%. Because it's now a set dollar figure fee, it's encompassing a 5% return. So it means that if your portfolio goes up by, you know, 20%, 15%, it doesn't make any difference on that fee. We will not charge you more than what is on that document there. Does that make sense? Yes. So you know the, like, the balance that we looked at on the first or second page of my Mhmm. super currently, is that after Yes. the fee? That is your total balance before any Yep. fees have come out. So it's the balance showing in hub twenty four currently. If you look Right. at the second page, that performance with internal rate of return, the return we give you on the second page, that is after all fees have been deducted. So after all fees, you're still at 4.13%. Yeah. Mhmm. Gotcha. Okay.","start_word":3521,"end_word":3742,"sentiment":"neutral","sentiment_score":0.09318103960102744},{"text":"Cool.","start_word":3743,"end_word":3743,"sentiment":"positive","sentiment_score":0.3612140417098999},{"text":"Yeah. Does that make sense? Do you have any questions? So you're welcome to let me know if you do. No. It's all good. You just you just have a job now of trying to get me up to that $2,000,000 so our rate can go I down. will I will do everything I possibly can.","start_word":3744,"end_word":3799,"sentiment":"neutral","sentiment_score":0.13320983946323395},{"text":"Absolutely.","start_word":3800,"end_word":3800,"sentiment":"positive","sentiment_score":0.48591816425323486},{"text":"We'll start by cleaning up your screen, updating the portfolio, then definitely go from there for you. Let's How does do that it. sound?","start_word":3801,"end_word":3824,"sentiment":"neutral","sentiment_score":0.2761707901954651},{"text":"Excellent.","start_word":3825,"end_word":3825,"sentiment":"positive","sentiment_score":0.5332059860229492},{"text":"So just to kind of update a couple of additional details here. Now your income we had noted down last time was about 50,000. Has your income gone up, or is it still the same? You know what? I did do an increase. One second. Yeah. I don't know You're exact... right. Hold on. Times. Two. I'm probably... What does it mean if it's gone up for me? It has gone up. Oh, it's just I sort think of... It's about the expected contributions going in because, essentially, the way you... The business structure is, whilst you do own the business, you're also an employee of the business. So increases in your income show us how much is expected in the way of contributions, and that has an on flow effect for growth in your super as well. Yeah. As of a couple of... A few weeks or maybe a couple months now, Yep. I've put it up to 80,000.","start_word":3826,"end_word":3985,"sentiment":"neutral","sentiment_score":0.02643048474565148},{"text":"Beautiful. Excellent.","start_word":3986,"end_word":3987,"sentiment":"positive","sentiment_score":0.6302657127380371},{"text":"And you're still making that $50 per week in salary sacrifice The extra contributions one? Yeah. there as well. Yeah. Yeah. Are you wanting to look at maybe increasing that at all, or are you still happy just to keep it at $50 for the time being? We'll keep it at that now because because I've increased my pay more more money's Yeah. going into super in... Anyway. Right? Yeah. Absolutely. Yeah. Yeah. Definitely. And you... Are you managing to sort of put money away or have savings or excess cash at the end of the week, or are you finding everything's kinda going out to bills? How are you finding your expenditure? Look, this... Like, we consider putting money away for for the house deposit as a bill. So, like, once we put it away, Yep. we just don't think about it. So other than Yeah. those savings, yeah, like, we're we're left with a little bit, but not not too much. No. That's okay. I think last year, we had down about 50 to $100 on a weekly basis. That was kind of left over after everything, including those savings, have been taken into account. Is that still fairly accurate, or do you Probably think it might probably have decreased about the same. since then? No. It's About probably the same. about the Yeah. same. Beautiful. Yeah. Yep. Lovely. And how much are you putting away each week or fortnight for your home deposit? 500 a week. Oh, beautiful. A week.","start_word":3988,"end_word":4240,"sentiment":"neutral","sentiment_score":0.011094436049461365},{"text":"Excellent.","start_word":4241,"end_word":4241,"sentiment":"positive","sentiment_score":0.6128497123718262},{"text":"Yeah. And how much do you have in savings at the moment total for that? I don't even know. Probably, I think I think we're sitting at about 15. 15,000? Yeah.","start_word":4242,"end_word":4272,"sentiment":"neutral","sentiment_score":0.04059049114584923},{"text":"Beautiful. Yeah. Fantastic. Excellent.","start_word":4273,"end_word":4276,"sentiment":"positive","sentiment_score":0.5305060148239136},{"text":"And other assets I had noted here was the part ownership in the business A and G Foods, which is owned fifty fifty split with your dad. Is that that still correct? Correct. Yeah. Yes.","start_word":4277,"end_word":4311,"sentiment":"neutral","sentiment_score":0.11323506385087968},{"text":"Beautiful.","start_word":4312,"end_word":4312,"sentiment":"positive","sentiment_score":0.3333461880683899},{"text":"I had the asset value of about 600,000. Would you keep that the same, or would you increase the value of the business of the company? I mean, that's what that's what we value the business without without the the stock. Yeah. Yep. Without the stock. Perfect. And then I also had it noted here that we had another another business ownership, I believe, called All Trans Investments. It's a 100% owned by your dad. Is that right? Yeah. That's the that's the... Like, he runs his taxi and all that under under that company name. Okay. Patsy. Beautiful. And that's owned by your dad solely. Do you have any ownership in that business? No. I'm I'm put down as a stakeholder, but not, Okay. like, not a director or anything. Yes. That's okay. So I'll just put here a stakeholder. Do you do you know what your stakeholder percentage is? I think it's 20 Sorry. percent. Was that 20 or 40%? My apologies. Two two zero twenty. Beautiful. Thank you for updating that. So sorry. And we Okay. had essentially the the estimated value of that business as well at 600,000. Would you keep it the same, or would you alter that? Nah. I'd probably keep it the same. The same. Beautiful. Fantastic. Other assets I do like to note down are things like contents. It doesn't sound like much, but if you tipped your house upside down and everything fell out, all that is Yeah. contents and it would cost you money to replace. Do you have contents insurance at all? Or... I don't have contest insurance. No. No. That's okay. Do you know roughly what you might value your contents at? Tough one, That is a tough one. Content's I probably, know. I don't know, $30.40 grand maybe. Yep.","start_word":4313,"end_word":4614,"sentiment":"neutral","sentiment_score":-0.007603735635242122},{"text":"Beautiful.","start_word":4615,"end_word":4615,"sentiment":"positive","sentiment_score":0.38547396659851074},{"text":"40,000.","start_word":4616,"end_word":4616,"sentiment":"neutral","sentiment_score":0.17926061153411865},{"text":"Beautiful.","start_word":4617,"end_word":4617,"sentiment":"positive","sentiment_score":0.42384475469589233},{"text":"And is there any other assets or liabilities that I haven't noted down that you think are appropriate to note down? I don't know. Have you got... Have we got a car? Is that... Yep. Beautiful. What's the car do you drive? It's a Mazda CX five, but we don't have it under my name, though. It's under my partner's name. That's okay. Not a problem at all. I'll just note that down here being under partner. Roughly, what value would that be? Yep. 40,000 at the moment. Yep. Fantastic. And any debt on that vehicle is owned outright? No. It's not. We owe... I think it's about 28. At 28,000? Beautiful. Yeah. And the other thing I do like to note down as well is rent. Are you renting where you are currently living? Yeah. Yes. Yep. How much rent are you paying on a regular basis? 700 a Seven week. 100. Is that per week? Yeah.","start_word":4618,"end_word":4775,"sentiment":"neutral","sentiment_score":0.023363998159766197},{"text":"Beautiful. Thank Yeah. you for that. Lovely.","start_word":4776,"end_word":4782,"sentiment":"positive","sentiment_score":0.4548414647579193},{"text":"And I'll make a note here that your goal is to purchase a home in the next sort of twelve to eighteen months there as well. Yeah. Yeah. Yep. Beautiful. Other things to update here, I've got down here that you had one one dependent. So one child, one son there. Do you still only have the one child? Correct. Yeah. Yeah. Beautiful. Lovely. How old is he? He's... He turns two in November. What are we in now? October. Oh, wow. So... Yes. Yeah. Next month. Next month. Yeah. He's twenty twenty three months. Beautiful. That's in... That's incredible. It goes fast. I've got a 21 year old, a 20 year old, and a 10 year old, so it goes very Wow. quickly. You got all the age back.","start_word":4783,"end_word":4912,"sentiment":"neutral","sentiment_score":0.12296900720550465},{"text":"Absolutely.","start_word":4913,"end_word":4913,"sentiment":"positive","sentiment_score":0.4377211332321167},{"text":"No.","start_word":4914,"end_word":4914,"sentiment":"neutral","sentiment_score":0.28581178188323975},{"text":"Perfect.","start_word":4915,"end_word":4915,"sentiment":"positive","sentiment_score":0.4670807123184204},{"text":"The other thing I'm just looking at here is your beneficiary nominations as well. So I'm sort of having a look, and I can note that on your super and your insurances, we don't seem to have a beneficiary nomination. It is definitely something I wanna make sure we have updated for you. Essentially, a beneficiary nomination on your super and your life insurance directs what you want to happen to those funds if you were to pass away. So Can by I not just having say? a nomination there... Sure. Yeah. Yeah. Sorry to cut you off, but I You're right. I got... I spoke about this quite a few times, and then I got a few phone calls about it. And then, eventually, Yeah. I got some paperwork, and I I ended up mailing it. Oh. Sorry. Not mailing it. I ended up emailing it, and Yeah. then I didn't hear anything. So it sounds Oh. like it hasn't been updated. Yeah. No.","start_word":4916,"end_word":5080,"sentiment":"neutral","sentiment_score":0.0012421704595908525},{"text":"That's not good.","start_word":5081,"end_word":5083,"sentiment":"negative","sentiment_score":-0.4700936675071716},{"text":"I'm so sorry if that's okay. So I'll definitely go back and have a look. I'm just pulling up the file now to see if I can find a nomination having been filled out. Let's have a look. If not, can I? Because Okay. it's obviously gonna be Charlotte. Can I? Can Yes. you send me something now that I can just fill it out and send it back Yeah. to you? Absolutely. What I can do is I will make sure it gets done and filled out, and I'll send it to you. That way, it can be all signed and witnessed. Just double checking. Can... Would you like me to pre fill the form for you just to make it easier?","start_word":5084,"end_word":5206,"sentiment":"neutral","sentiment_score":0.05403229594230652},{"text":"That'd be awesome.","start_word":5207,"end_word":5209,"sentiment":"positive","sentiment_score":0.49693045020103455},{"text":"Yeah. Yeah.","start_word":5210,"end_word":5211,"sentiment":"neutral","sentiment_score":0.20063255727291107},{"text":"Beautiful.","start_word":5212,"end_word":5212,"sentiment":"positive","sentiment_score":0.3928012251853943},{"text":"And just to confirm, I spell your partner's name as s a l o t e. Is that right? Correct. Yep. Beautiful. And surname, I believe, is Smith? Yeah. That's right.","start_word":5213,"end_word":5243,"sentiment":"neutral","sentiment_score":0.11349382996559144},{"text":"Lovely. All good.","start_word":5244,"end_word":5246,"sentiment":"positive","sentiment_score":0.4480937421321869},{"text":"I've got... I don't have her date of birth. Can you give me her date of birth as well? Yep. So it's the 09/21/2019 Yep. '90.","start_word":5247,"end_word":5272,"sentiment":"neutral","sentiment_score":-0.011183223687112331},{"text":"Beautiful.","start_word":5273,"end_word":5273,"sentiment":"positive","sentiment_score":0.6674469709396362},{"text":"What I'll do for you is I'll pre fill the form, and then we'll get my team to send it out to you. I'll make sure they cc me into the email so we can see it going back and forth. It just Mhmm. needs to be printed out, signed, and witnessed by two witnesses. One of those can't be your partner. So there's two people over the age of 18, one that's not the beneficiary that can witness the document with you. And then if you Mhmm. scan and send it back to me, I'll make sure it's applied, and I'll confirm once it's been applied for you as well. Okay? Okay.","start_word":5274,"end_word":5386,"sentiment":"neutral","sentiment_score":0.10819286853075027},{"text":"Awesome.","start_word":5387,"end_word":5387,"sentiment":"positive","sentiment_score":0.364474356174469},{"text":"Yeah. I remember doing that last time as well. So... Oh, I'm so sorry. But it's Yeah. all good, isn't it? No. No.","start_word":5388,"end_word":5410,"sentiment":"neutral","sentiment_score":0.02324598841369152},{"text":"Definitely not okay.","start_word":5411,"end_word":5413,"sentiment":"negative","sentiment_score":-0.41297855973243713},{"text":"I'm so sorry that that happened. I'll make sure I follow that through for you. I do apologize for that, Sandy, but don't want That's that okay. to be the case. Those those definitely need to be actioned for you straight away. So I'll get that for the hub 24 and the towel policy so we can have everything updated for you. Okay? And just just a silly question. Like, if something were to happen to me, Yes. she would just contact you guys? Is that how it works? Yeah. Absolutely. It's not a silly question at all. What I tend to sort of say to clients is keep our phone number somewhere. So just make sure she knows that we're your financial advisers and maybe have Yep. our phone number somewhere. I can even send you just, like, a fridge magnet or something on my card that has our contact details there. So... Or if you were to pass away, she just need to give us a call. Let us know. We would then start Yep. the claims process with the insurer and your super funds, and Yep.","start_word":5414,"end_word":5602,"sentiment":"neutral","sentiment_score":0.0051975250835456545},{"text":"sort of make sure that we're helping along to get all of that sorted for for her so it's as as streamlined as absolutely possible.","start_word":5603,"end_word":5627,"sentiment":"positive","sentiment_score":0.4392527937889099},{"text":"But, yeah, she just needs to contact us in the event that something was to happen to you. Okay? Okay. And and and moving forward, you know how the cover is, like, like, 0.5 a mil, whatever it was. If Yes. we wanted to increase it, is that Mhmm. something easy to do?","start_word":5628,"end_word":5680,"sentiment":"neutral","sentiment_score":0.081995390355587},{"text":"Oh, absolutely.","start_word":5681,"end_word":5682,"sentiment":"positive","sentiment_score":0.3396424651145935},{"text":"As part of increasing that, they... I tend to do a new pre assessment with you just to sort of understand what your health looks like and if there's been any changes since your original application. I Yep.","start_word":5683,"end_word":5720,"sentiment":"neutral","sentiment_score":0.094046488404274},{"text":"then go out to the market and I look at your current insurer as well as the others out there to see how we can increase the cover in a cost effective way, what that looks like.","start_word":5721,"end_word":5757,"sentiment":"positive","sentiment_score":0.3535737097263336},{"text":"We update the advice to show our recommendations on what we're recommending and how you increase the cover. And because it's paid out of super currently, we also then factor into the super to a limited extent just to show you what the premiums, you know, the expectation of premiums can do to your super projection over time. And then you just Yes. go to a new application. If there's no major changes, as part of the advice, we let you know what we expect to come out of the application process. You do just have to go to a new application with the Instruqt for the increase or for, you know, altering the color. But once that's done, it goes into place, and we'll kinda go through all that with you and hold your hand along the way so you understand what we're doing, how we're doing it, what we're up to, and then we keep in contact with the insurer as well. But the first step is really when you decide you wanna increase the cover, we look at what you wanna increase it to, what you want to be covered for, what your goal is. Then we'll go forward to your pre assessment. We'll go out to the market and look at what the options are. We'll come back with a recommendation. We'll go through that together, and then we'll let you decide whether you're happy to take that or not. Does that sound... That sounds good. Does Yeah. that I make was just sense? Mhmm. asking Okay. because, like, when we do purchase Absolutely. a home, I just wanted to make sure I'd be covered under Yeah. that, you Absolutely. And as soon as you know you're ready to purchase a home or you're know. you're looking at them, feel free to let me know. We can talk about that. We can get the insurance in place prior to your purchasing the home so you got the cover. Or if you wanna hold off till after, that's absolutely fine. You let me know when you're ready, and we'll make sure we have Yep. that conversation. Moving forward, I'll update the advice and get that out to you so we can go through that with your super. But moving forward, I do wanna make sure that catch ups are being done a bit more regularly with you to help you understand what's happening with your super and give you more regular updates as well. Did you wanna sort of see those every six months to begin with, or what's your preference? Yeah. Yeah. Every six months sounds okay. Yeah. Yeah.","start_word":5758,"end_word":6200,"sentiment":"neutral","sentiment_score":0.1766069696934444},{"text":"Beautiful.","start_word":6201,"end_word":6201,"sentiment":"positive","sentiment_score":0.495441198348999},{"text":"And if you need anything in the meantime, you can always give me a buzz. Let me know you need another conversation or update or you have additional questions. You're not limited to just the time frames. You can call me at any time, day or night, and we'll make sure we fit you in to be able to answer any questions you have or give you an update or, you know, reassess the advice whenever you need as well there. Okay?","start_word":6202,"end_word":6283,"sentiment":"neutral","sentiment_score":0.2360425442457199},{"text":"I appreciate it. Thank you.","start_word":6284,"end_word":6288,"sentiment":"positive","sentiment_score":0.5004562139511108},{"text":"That's okay. The only other thing to sort of touch base on here is your... The other side of the estate planning is doing up a will and power of attorneys. Have you guys spoken about doing those in the past at all? Yep. Spoken about it. Yeah. I don't... Nothing's done about it. No.","start_word":6289,"end_word":6343,"sentiment":"neutral","sentiment_score":-0.039193786680698395},{"text":"That's okay. It is definitely really important to do so.","start_word":6344,"end_word":6353,"sentiment":"positive","sentiment_score":0.423597127199173},{"text":"We are not solicitors or lawyers, so we're not able to set them up for you. But we could also refer you through to a solicitor if you like. If you wanted to, I could send you through some information on costing of how much it can generally cost to set up a dual wheel just to kinda give you a bit of a guide and start that conversation. Would you like that information sent through? Yeah. You can email it to me? Yeah. Absolutely. Can. Yeah. Not Yeah.","start_word":6354,"end_word":6442,"sentiment":"neutral","sentiment_score":0.09701184928417206},{"text":"a problem at Awesome. all. I'll get that emailed Thank you. up for you there, Sandy. Not a problem at all. Easy.","start_word":6443,"end_word":6464,"sentiment":"positive","sentiment_score":0.3842670023441314},{"text":"The only other thing to sort of look at is just sort of reassessing goals and things for you. So just going back to your annual review last year, one of the goals you had in the next sort of five years was to focus on your priority of continually growing the business and the potential to include property purchase down the track. We've sort of got the property down here as well. But does that still sound appropriate? Is the business still, you know, trying to get that growing still a priority for you and your goals? Yeah. Yeah. Yeah. We've been growing it. Yep. It's been going... Like, it's all Fantastic.","start_word":6465,"end_word":6577,"sentiment":"neutral","sentiment_score":0.1438274085521698},{"text":"tracking the way that I would hope so.","start_word":6578,"end_word":6585,"sentiment":"positive","sentiment_score":0.45242586731910706},{"text":"Yep.","start_word":6586,"end_word":6586,"sentiment":"neutral","sentiment_score":0.15863719582557678},{"text":"Yeah. Beautiful. Fantastic. And I've also got down here travel.","start_word":6587,"end_word":6596,"sentiment":"positive","sentiment_score":0.4285287857055664},{"text":"In addition to that, you also want to travel a little bit more with your young family. I believe here it looks like you were hoping to travel last year. Did you have any holidays last year? Yeah. We went to Fiji twice, and Oh, we're going nice. to Thailand next month, actually.","start_word":6597,"end_word":6649,"sentiment":"neutral","sentiment_score":0.1957086026668549},{"text":"Oh, fantastic.","start_word":6650,"end_word":6651,"sentiment":"positive","sentiment_score":0.5938290357589722},{"text":"Yeah. And Thailand next month.","start_word":6652,"end_word":6656,"sentiment":"neutral","sentiment_score":0.2902892529964447},{"text":"Lovely. Well, I'll definitely keep those goals on here for you.","start_word":6657,"end_word":6667,"sentiment":"positive","sentiment_score":0.612699031829834},{"text":"I've Mhmm. also got down here just with your super. You were hoping to originally look at accessing super around about age 67. I know you've got a lot of time ahead of you before that, but is that still your goal, age, to be able to maybe stop working fully in access super, or what's your plan, Yeah. or what's What's your the goal? age that we can access it?","start_word":6668,"end_word":6738,"sentiment":"neutral","sentiment_score":0.03325057785275956},{"text":"I can give you some good news. You can actually start working at the age of 60 and fully retire. You don't have to wait till 67.","start_word":6739,"end_word":6765,"sentiment":"positive","sentiment_score":0.46666380763053894},{"text":"So you can choose 60 if you'd like to be able to retire earlier. Alternatively, 65, regardless of whether you're working or not, your super becomes fully accessible at that point as well. If I were to say 60, then, Mhmm. like... I mean, I know it's eight is away, but obviously, you guys Yeah. get a plan, like, for returns and all that kind of stuff then. But, like, things can change along the way. Like, it doesn't really matter, Yeah. does it? No. Absolutely not. If you like, I can put 60 as your goal. We'll work on that for you, try to build things as much as possible towards that point. And then it gives Mhmm. you the option. At 60, you can decide to keep working longer or you can choose to retire. It's completely up to you. I will make it work no matter what you're after. Yeah. Let's do 60.","start_word":6766,"end_word":6921,"sentiment":"neutral","sentiment_score":0.09053299576044084},{"text":"Beautiful.","start_word":6922,"end_word":6922,"sentiment":"positive","sentiment_score":0.4708795547485352},{"text":"An income in retirement, I had noted here about a thousand dollars a week was for comfort. Is that still fairly accurate? Yeah. I think so. Yeah. Yep.","start_word":6923,"end_word":6950,"sentiment":"neutral","sentiment_score":0.14561153948307037},{"text":"Beautiful. Fantastic.","start_word":6951,"end_word":6952,"sentiment":"positive","sentiment_score":0.466438889503479},{"text":"I mean, we'll see. It cost I know me. I could We just only got that change... much, so who knows? Absolutely. I could definitely change. With Yeah. the business, now I just sort of wanted to get a gauge on how that... You know, what you expect or want to happen to that down the track there. So with A and G Foods, are you sort of hoping to keep that growing and, you know, keep income through retirement and still keep that, like, going to supplement super? Or what's the plan with the business down the track? Have you guys discussed what'll happen with that? Look. Right now, because, you know, I'm still young ish, and Yeah. You are very the aim is young. the aim is just to keep working on it, keep going hard. Yes. But, you know, I don't know what's gonna happen. Like, I wouldn't keep it into retirement unless, like, for example, my kids got into it or something like that. But Okay. the aim is not to sort of... Dame is to eventually sell it, I guess, you know, and then retire. Yes. Yeah. Absolutely. No.","start_word":6953,"end_word":7146,"sentiment":"neutral","sentiment_score":0.028454328656734265},{"text":"Perfect. Fantastic. Well, I'll work on your super now. We'll get things a little bit cleaned up and update your portfolio, then we'll kinda go from there. And we'll keep Mhmm. building on all of that and work towards your goals.","start_word":7147,"end_word":7187,"sentiment":"positive","sentiment_score":0.48477789759635925},{"text":"And if you ever have questions, let me know. How does that sound, Sandeep?","start_word":7188,"end_word":7201,"sentiment":"neutral","sentiment_score":0.21139708161354065},{"text":"Awesome. Thank you so much.","start_word":7202,"end_word":7206,"sentiment":"positive","sentiment_score":0.5705468058586121},{"text":"No. That's okay.","start_word":7207,"end_word":7209,"sentiment":"neutral","sentiment_score":0.11260475963354112},{"text":"Thank you so much for calling me back and going through that. I really appreciate the time to reassess things with you.","start_word":7210,"end_word":7231,"sentiment":"positive","sentiment_score":0.5558897852897644},{"text":"I'll... If it's okay, am I able to book you in now to go through your advice document in a couple of weeks? Is that okay? Yep. That's fine. No problem.","start_word":7232,"end_word":7262,"sentiment":"neutral","sentiment_score":0.11086179316043854},{"text":"Beautiful.","start_word":7263,"end_word":7263,"sentiment":"positive","sentiment_score":0.405670553445816},{"text":"It takes about three weeks to do so. So I'm looking at the week of the October 26. Is normally... Is there a certain day or time that suits you the best normally? Just any any day, like, any weekday after 02:30. Mhmm. I know I said that about today, and I might be around, but usually, Yeah. No. that's That's... alright. No. You didn't mock me around at all. You are busy, and you've got children. Please don't ever think that. Now you're in New South Wales, so you're an hour ahead of me. So 02:30 your time is 01:30 my time. If I was to pop it in there for, say, Wednesday, October 28, I could do from 02:30 New South Wales time. Would that be okay? That's fine. Yeah.","start_word":7264,"end_word":7395,"sentiment":"neutral","sentiment_score":-0.01582849688940879},{"text":"No problem. Beautiful.","start_word":7396,"end_word":7398,"sentiment":"positive","sentiment_score":0.553866446018219},{"text":"And I'll add a little text message reminder there for you so it does send you a message. If anything comes up, you're welcome to let me know. If you get to the day and you can't take the call, that's fine. I'll call you, and I'll send you a text message. And you can just let me know if it's not suitable, and we can reschedule. Okay.","start_word":7399,"end_word":7466,"sentiment":"neutral","sentiment_score":0.0552101656794548},{"text":"Awesome. Thank you so much. My pleasure. Thank you so much, Sandy. You have a lovely afternoon, and I'll get working on all of this research for you. And I'll get those emails Thank you. out to you as well and your beneficiaries there. My pleasure. Alright. Thanks again for all the information, and I'll talk soon. Not a problem. You have a good afternoon. Enjoy time with the kids. Yeah. Thank you.","start_word":7467,"end_word":7539,"sentiment":"positive","sentiment_score":0.6965022087097168},{"text":"He Bye.","start_word":7540,"end_word":7541,"sentiment":"neutral","sentiment_score":0.28312450647354126},{"text":"sounds like he's ready. See you later.","start_word":7542,"end_word":7548,"sentiment":"positive","sentiment_score":0.3652735650539398},{"text":"Yes. Hold on.","start_word":7549,"end_word":7551,"sentiment":"neutral","sentiment_score":0.08307519555091858}],"average":{"sentiment":"neutral","sentiment_score":0.10017690450947932}}}}