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Is now still a good time there for you? Oh, fantastic. And how's your morning been so far? That's good. Camilla, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Fantastic. So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those? Yeah. That's okay. So we normally just send through some annual review documents to you via email for you to look at. That way you can sort of see the documents that I'm going through and have a look at them as well. I'll just press send on that one. Hopefully, it comes through fairly quickly for you. All good. Now it has gone through there. It'll come through from Odoo sign there for you and possibly from my email saying that Odoo Financial dot com dot a u. Beautiful. Fantastic. So with that one there, if you just have a look at the main email and just scroll down just slightly, there should be some attachments there. If they're not, it looks like the attachments might have dropped off, but yeah. That'll be a task file opt in form. It looks like oh, sorry. It looks like the attachment dropped off the email. That's okay. I can just quickly shoot them through to you separately. My not just yet. So with that document there, just to let you know, it is a tax file consent form. So we essentially send that out and get everyone just to confirm to see you're aware we do hold your tax file number. If at any point you're, you know, concerned or unsure with that, just let us know. But, essentially, the idea is because we set up your super fund, we do need to make sure we do hold a copy of tax phone number for that purpose. So we just like to make sure that you're aware of that, obviously, the circumstances around that, and also just making sure that, you know, you're aware of the security around that sort of thing because it is very sensitive information. Okay? Beautiful. It looks like the attachments just dropped off as that came through. It said here the file was slightly too large. So I'm just gonna reattach those attachments to another email for you and just send that through separately. Sorry about that. Beautiful. Okay. There we go. And you're working from home this morning. Is that right? Yeah. Oh, fantastic. Do you work from home very often or just a a once off here and there? No? Yeah. Oh, it's good to be able to work from home on a chilly morning. Oh, no. Hopefully, it survives the day for you. Yeah. Much smaller screen there, isn't it? Wow. Well, hopefully, that lasts for you. I just sent that separate email there with the attachments documents. I do apologize that they dropped off. It just came back saying file too large. So I've just snip it a few of the ones that you I need to send through to you. That way you've got those there. Okay. Hopefully, it pops through fairly quickly for you. No. That's okay. If you like, because you're working today, I can just run through the documents. You're welcome to have a bit of a look once they do through. Also, just check your junk mailbox as well. Sometimes I get redirected through the junk. That's not a problem at all. But I do have the reports in front. So one of the things that we were looking at was when you came on board, originally, we have placed you into one of the cheapest super funds within Hub 24 there to kinda get your balance growing. And now you're just under that $100,000 mark. So it's about looking at whether we provide additional advice and move you into a more sophisticated portfolio and kind of keep things building and growing towards your retirement goals. When I do have a look back at this time last year, your balance then was about $64,003.54 and 61¢ then. Looking at your balance now, you've got a total balance in there currently of, sorry, $94,003.92 and 25¢. So you have seen a lovely increase there over the last twelve months. Obviously, your contributions are going in. You're still salary sacrificing quite a good amount at $500 on a weekly basis. Is that right? Fortnightly. No. That's okay. Sorry about that. Beautiful. And you're happy doing that. Is there any sort of concerns around the the difference in income or your take home pay? You're sort of happy continuing with that salary sacrifice? Yeah. Yeah. That's okay. We could always look to reduce that back a little bit if you are finding your take home pay is a little bit tight. It's understandable. The cost of living is extremely high. But if you're happy to continue with doing that for the moment, that's absolutely fine. With your returns, when we look at returns, we're looking at essentially the income that's being produced out of the super fund as well as any additional growth as a whole after any admin fees within the fund. You've made 12.18% for the year. So it is a good solid return. You've seen some really good growth in your super fund there. And, you know, if you're depending on what you sort of open to, I know you sort of had emailed through wanting to have a bit of a look at your super and look at whether it's worth making any alterations or changes there. We could, if you're comfortable, go back to the drawing board, have a look at the investment that you're in, and look at maybe updating the super fund and the investments to see if we can get some greater growth moving forward. Does that sound like something you're open to? Or yeah. Beautiful. Excellent. Did you want me to, as part of looking at this scenario, keep that salary sacrifice to the $500 per fortnight? Or did you wanna maybe just bring it back a little bit knowing that your income's a little bit tight with with the extra money going into sleep. What do you wanna do, Camilla? We'll leave it. Not a problem at all. Yeah. That's absolutely fine. Hopefully, we get a little bit of release. All good. So you as I mentioned, your balance at the moment is $94,003.92 and 25¢. Having a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole. So Hub twenty four has essentially, it is the super fund, but it does have different different stages to the fund where, at the moment, you're in the discovery option, which is the cheapest version of the fund. In order to have different investments and to open up different investment menus, we do have to look at the super fund and maybe move you into a different component of hub twenty four. So they have the three different investment options, and the different investment options give us access to different investments. Are you happy with me looking at hub twenty four at the super fund as a whole and working out how best to structure the investments for you in any way that works better. Yeah. That's okay. Beautiful. Lovely. And when you think towards about, you know, your goals and what you're tracking for when you would like to realistically retire, when I kind of look back to when you came on board originally and Bart had done up the advice for you, we were tracking forward to, I believe, around about age 65. Are you changing that? Are you still comfortable with that? When do you realistically wanna be able to stop working? Oh, I hope not. We wanna make sure you can. Yeah. 65, not a problem at all. If that ever does change, we can alter the advice. It's not a problem at all. I'll just track forward to see what 65 looks like. Did you want me to look at maybe as an alternative option, 60 as well just to see where you're tracking for it, 60 as well as 65 to give you that option? Yep. 60 and 65. Beautiful. Excellent. And now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement? Have you sort of thought about what comfortable income you'd like to live on when you get to that point? Yeah. Yeah. How much is yeah. And how much rent are you paying at the moment? $7.30? $7.40? Yeah. Is that per week? Yep. Okay. Beautiful. And income wise, we had you earning about 85,000 per annum last year. Is that about the same, or have you had an increase on that recently? Nope. That's okay. It's the same income. Yep. Absolutely fine. And I've got you still working for MMT care in health care? Yep. Beautiful. Having a look at other assets, the only thing I had noted here was your car. What kind of vehicle do you drive? Oh, beautiful. It's a great car. Beautiful. And I had an asset value on that of about 50,000 last time. I think that's some sort of when you came on board originally. Have you if you had to sell that vehicle tomorrow, what kind of value is it to you? What value would you put on it? That's okay. Yep. That's alright. Yeah. That's okay. We can absolutely put that on there. What year model is it? Yeah. Beautiful. I'm just having a quick look at some of the tools I have to see what sort of average value it might be. Yeah. Perfect. So that would definitely be holding its value a lot more. Touring. Okay. So it's saying here that estimated current value is between 31,500 to 38,300. Does that feel fairly accurate for you if you had to sell that that's sort of what you'd wanna would get for it? Yeah. Did you want me to put the 38 down there for you? It's probably holding its value quite nicely. Yep. Beautiful. And you mentioned you've nearly paid that off as well. I had here that your loan was about 35,000. How much do you have left on that one to pay? Okay. Yep. That's absolutely fine. I can work that out for you as an estimate. And you mentioned it should all be paid off in a few months? Oh, okay. October next year. So a little over a year to go. Yep. That's okay. Beautiful. And do you have any kind of balloon payment that you'll need to make at the end of that, or would that clear the loan completely? Oh, that's good. You've got some you're close to having it all paid off and owning it outright. Looking at any other assets you do have, do you have any other cars, boats, caravans, or anything else of value that you'd note down? No. That's absolutely fine. Do you have any other personal loans, credit cards, or anything else debt wise that we should note down for you? Yep. Yep. Okay. Beautiful. Another 2 and 5,000 limit. Beautiful. Thank you for updating all those details there for me. Now the other thing we do wanna have a look at is the insurance side of things. So I know when you came on board originally having a look at things, we retained your level of cover, but we had reduced it down to about a million dollars. So since going, going to that reduction, your life in TBD cover has gone back through renewal. And as it goes through a renewal every year, the sum insured actually continues to increase back a little bit, and it means that the policy does get more expensive again over time. Your current life and TBD sum insured is 1,102,500. Given that you are realistically debt free, minus that little bit you low owe on the car there, in the event of, say, a life event, if you were to pass away, we hope nothing happens. But if that was to occur, obviously, the 1,102,500 is paid out, but then your super benefit can be paid out on top of that. Where was it that you were wanting that to go? Who are you wanting it to be paid to? Your kids? Lovely. And I've got the beneficiary nominated here as, we've got, sorry, Amber, Cooper, Jack, and Nate. Is that right? 25% to each? Yeah. Lovely. And the level of cover, that 1,102,500, do you feel like that's appropriate? Did you wanna look at reviewing that amount at all? Are you happy just to keep it as is? No. Absolutely not. And with the TBD, so total permanent disability pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. You have the same level of PPD as you do have life, so that 1,102,500. In the event of a PPD claim as well, we can also claim against your super. So it does release the super to you as well. I'm not sure if anyone's kind of made mention before, but I do like to confirm, TBD, if you do claim it and you're under the age of 60, is actually a taxable payment, and the tax can be up to 22%. In the event of a claim, we would help you with the claim, and we also provide additional advice on how to limit the amount of tax there. But just knowing that that is an option, and there is tax depending on the claim and when the claim is made, Do you feel like that same level of TBD is appropriate? Did you wanna look at reviewing that in any way, and did you have any questions around TBD? It's a really unfair system, unfortunately. I definitely disagree that anyone who's TBD, if you're permanently incapacitated or disabled, the last thing the government should be doing is taxing that money. But, unfortunately, it does happen. So I just like to make sure I'm giving you a little bit of information around how that works. If at any point you ever wanted to look at the TBD or the life cover or anything like that, let me know. I'm more than happy to. However, at the amount you do have, it is quite good. I think one of the biggest things with TBD is just making sure that it, you know, realistically could cover the amount of money you have because one of the biggest things I do find or have found in the past is where TBD has been claimed, the client is able to take either a lump sum payment or an income stream and keep the money invested. But that money needs to be sufficient to last you longevity. So replace your income or, you know, give you a a certain standard of living basically right through retirement as well. So it's just about making sure that level of cover is sufficient for you. But you're comfortable with what you've got at the moment? Yes. That's okay. Do you have any questions about the two types of cover you have, how they work, or anything around those? No. That's okay. Now looking at things, you don't have any income protection or trauma insurances. Do you understand what those types of cover are, how they work? Or no. That's okay. So income protection can pay out a lump so any a monthly benefit in the event that you're unable to go to work in the short term. It can be one of the most expensive types cover that we do get because it's the first net we do tend to claim. Not having any income protection does mean that in the event that you're unable to go to work, you just need to be able to fall back on long service leave, sick leave, annual leave, have savings behind you, or some sort of income replacement. If you don't have access to that amount of money through, you know, your own savings, then, obviously, Centrelink is an option if you're eligible there as well. Obviously, if you did wanna look at getting income protection, it is important to note that we would have to go through an application, assess your health, and look at what kind of terms would be applied. And the premiums can be a little bit more expensive if you're paying for it out of super can have an effect on your retirement as well because the amount paying paid out of super does reduce, you know, your retirement income at the end of things. But it's up to you. It's also gotta be important to you. And if having some sort of income replacement is important, then it's our job to make that happen for you. Do you have any thoughts about income protection? Is it important to look at, or you're comfortable not having it? How do you sort of feel about that? Yep. That's absolutely fine. There are other types of insurances, but, I mean, we can essentially insure ourselves at the end of the world. You look at everything out there that you can insure for. You can also get other insurances like trauma, which pays out a lump sum benefit in the event that you're diagnosed with, say, a major medical condition like cancer, Parkinson's, heart attack, stroke, things like that. Trauma is an out of pocket expense. You can't hold it inside super like you can the other covers. Just double checking. You're happy just to forego anything additional for the moment. Yeah. That's okay. I just wanna make sure that you're aware of the options and let you make the decision as to what's important to you. Okay? Excellent. All good. Now the other thing, I can see your beneficiaries are in place here, and we've confirmed that they're as you would like them, which is fantastic. With regard to your other estate planning side of things, I can see here that you had had a will in the past. Is your will still up to date and reflect your current circumstances? No. It needs to be updated. Yeah. That's okay. Do you have oh, absolutely. It's on a lot of our to do list. Do you know did your past will also account for a power of attorney? Yeah. Do you know if it also had a power of attorney in place? No. That's okay. That's okay. It is absolutely something to have a chat to a solicitor about. So if you've got a local solicitor that has done your will in the past that you're comfortable with, definitely having it updated is very important and making sure you have a power of attorney in place. Essentially, a power of attorney is someone that you've chosen to make medical and or financial decisions if you're unable to to say, as an example, you have a car accident and, you know, you're medically incapacitated for a period of time in a coma or something, that power of attorney can then be enacted where someone can follow your direction and make decisions for you as per your wishes. It sort of makes it a lot more it kind of puts a lot of things into perspective. It is a hard conversation to have with loved ones when you're picking a power of attorney. It doesn't have to be one person. You can have three. I know my mom has myself and my siblings as co power of attorney, so we all have to make that decision together. So it can always you know, it doesn't have to be one person, but it's just about making sure that all those things outside of your super and your life insurance are also covered, and having a will and power of attorney in place does that for you. Okay. Beautiful. Excellent. Basically, that's everything I kind of needed to go through. Do you have any other goals over the next one, two, three, five years that you're looking to sort of achieve or anything else that you're wanting to, you know, focus on aside from super? No? Yeah. Absolutely. So just to sort of make sure I have everything correct there, I'm gonna go back. I'll do some research on the the current super fund you have, the investment that you're currently in, how that's been performing. I'll look at the other options within Hub twenty four and any other super funds out there to make sure you're in the best fund possible. Look at, obviously, the portfolio, any other portfolios that we do have access to and sort of make sure that, you know, things are working as hard as possible for you. And we'll keep those contributions at the same level for the time being with that salary sacrifice there. We're working towards essentially an age of 65. Income wise, you weren't really sure about what income you'd like to sort of focus on in retirement because I am projecting out and looking at what we're able to achieve and how we can get things working harder for you. Would you just like me to look at maybe replacing your current income in retirement, or do you feel like you wanna focus on that $2,000 a week to sort of see how things project out? What do you what would be more important to you? Well, if you like, I could look at the replacement of your current income so I can project that and sort of say, well, in retirement, if you're able to replace your current income, this is sort of what this might look like and sort of work on that as a goal in saying that goals can change. So in another six to twelve months or a couple of years, you might say that's that's different and we can change it. It's fine. But it's just sort of giving me something to project out to now and and a base for a goal now. Do you think 85,000 per year in retirement would be fairly comfortable for you, or do you think you wanna maybe have a little bit more for spending and enjoyment? 85,000 per year. Sorry. Yeah. No. It's definitely not. Yep. That's okay. I can just work on your current income just to sort of project things out, and we can update the advice. I can show you what the advice recommendations are, where we're tracking, what we're looking towards. And then, you know, you can always tell me that you don't like that or you're not comfortable with that, and we can go back to the drawing board. Yeah. That's okay. Oh, I'm so sorry. Oh, absolutely. I'm so, so sorry that you're going through that, Camilla. Yeah. Of course. There's a lot going on in your life. Well, what I'll do if you like, I'll, yeah, I'll have a look at replacing your current income. I'll look at your super. I'll make sure your beneficiaries are in line with your wishes. I'll retain your insurances, and I'll look at projecting things out to make sure you're working and tracking towards your retirement goal. We'll start there, and then we can always go back to the drawing board if you're not comfortable. Okay? Does that sound alright? Yep. If you could, that would be fantastic. Yeah. Now the other thing, you're right, the other thing I just wanted to sort of talk about now when Bart brought you on board, he obviously wasn't charging an ongoing service fee because your balance was lower. The idea is he wanted to get your super working hard to get your balance a bit higher. But moving into a more sophisticated platform with, you know, more sophisticated investments that are working hard, it does mean we need to review them a lot more often. So at some point, I do need to turn on our ongoing service fee. At the moment, the ongoing service fee is 1.65% per annum. It is deducted from your super fund on a monthly basis in smaller monthly increments. As part of the advice, I'll show you what that looks like. We wanna make sure, obviously, your super is working, and we can't charge a fee for our services if your super isn't working harder and, you know, making that money. But I do need to obviously make sure I do put that on at some point. And it looks like this year with updating the advice and moving things around a bit, we're gonna have to do that. Do you have any questions? Does that make sense? And is there any kind of concerns around that? Yeah. I will absolutely ask him what he wants to do with that. I just have to disclose what the full fee is, and I'll make sure I kinda come back and see what Bart wants to do with that. But I'll I'll essentially put that in the advice document for you and let you know essentially what that looks like, how it affects your super moving forward, and then we'll make sure we keep reviewing things to keep you on track. Is that okay? Yes. And I do apologize. I wasn't aware that you're about the system. So sorry. It's all good. But now look, honestly, I look after everyone exactly the same. Every client is just as important. I'll look after you no different. We just wanna make sure your super is working harder for you. And, again, I'm very sorry for everything that you're going through. We'll take it slow. I'll look at your super, the investments, how everything's projecting out. I'll show you the advice document with everything laid out in it, then you get to take it away and read it the same as you did with the original. And then you get to tell me whether you like it, whether you don't, any changes you wanna make, and we'll keep reviewing things to make sure your super is working harder for you. Does that sound okay? Yeah. Do you have any questions? Is there anything else that you think I may not have touched on that might be important to you? I know it's still very early. I hope you had your coffee at least. That's okay. Beautiful. I'll go back to Barton to double check the fee structure, make sure that, obviously, if there's any discount he wants to apply, we'll do that for you, and I'll make sure it's reflected in the advice document. Okay? That's okay. I hope you have a really good day, Camilla. No worries. I'll talk to you soon. See you later. 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OQ Financial, annual review. Hi, Camilla. This is Dana from Okie Financial. How are you this morning? That's good.\n\nI had you booked in to go through your annual review. Is now still a good time there for you? Oh, fantastic. And how's your morning been so far? That's good.\n\nCamilla, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nYep. Beautiful. Fantastic. So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those? Yeah.\n\nThat's okay. So we normally just send through some annual review documents to you via email for you to look at. That way you can sort of see the documents that I'm going through and have a look at them as well. I'll just press send on that one. Hopefully, it comes through fairly quickly for you.\n\nAll good. Now it has gone through there. It'll come through from Odoo sign there for you and possibly from my email saying that Odoo Financial dot com dot a u. Beautiful. Fantastic.\n\nSo with that one there, if you just have a look at the main email and just scroll down just slightly, there should be some attachments there. If they're not, it looks like the attachments might have dropped off, but yeah. That'll be a task file opt in form. It looks like oh, sorry. It looks like the attachment dropped off the email.\n\nThat's okay. I can just quickly shoot them through to you separately. My not just yet. So with that document there, just to let you know, it is a tax file consent form. So we essentially send that out and get everyone just to confirm to see you're aware we do hold your tax file number.\n\nIf at any point you're, you know, concerned or unsure with that, just let us know. But, essentially, the idea is because we set up your super fund, we do need to make sure we do hold a copy of tax phone number for that purpose. So we just like to make sure that you're aware of that, obviously, the circumstances around that, and also just making sure that, you know, you're aware of the security around that sort of thing because it is very sensitive information. Okay? Beautiful.\n\nIt looks like the attachments just dropped off as that came through. It said here the file was slightly too large. So I'm just gonna reattach those attachments to another email for you and just send that through separately. Sorry about that. Beautiful.\n\nOkay. There we go. And you're working from home this morning. Is that right? Yeah.\n\nOh, fantastic. Do you work from home very often or just a a once off here and there? No? Yeah. Oh, it's good to be able to work from home on a chilly morning.\n\nOh, no. Hopefully, it survives the day for you. Yeah. Much smaller screen there, isn't it? Wow.\n\nWell, hopefully, that lasts for you. I just sent that separate email there with the attachments documents. I do apologize that they dropped off. It just came back saying file too large. So I've just snip it a few of the ones that you I need to send through to you.\n\nThat way you've got those there. Okay. Hopefully, it pops through fairly quickly for you. No. That's okay.\n\nIf you like, because you're working today, I can just run through the documents. You're welcome to have a bit of a look once they do through. Also, just check your junk mailbox as well. Sometimes I get redirected through the junk. That's not a problem at all.\n\nBut I do have the reports in front. So one of the things that we were looking at was when you came on board, originally, we have placed you into one of the cheapest super funds within Hub 24 there to kinda get your balance growing. And now you're just under that $100,000 mark. So it's about looking at whether we provide additional advice and move you into a more sophisticated portfolio and kind of keep things building and growing towards your retirement goals. When I do have a look back at this time last year, your balance then was about $64,003.54 and 61¢ then.\n\nLooking at your balance now, you've got a total balance in there currently of, sorry, $94,003.92 and 25¢. So you have seen a lovely increase there over the last twelve months. Obviously, your contributions are going in. You're still salary sacrificing quite a good amount at $500 on a weekly basis. Is that right?\n\nFortnightly. No. That's okay. Sorry about that. Beautiful.\n\nAnd you're happy doing that. Is there any sort of concerns around the the difference in income or your take home pay? You're sort of happy continuing with that salary sacrifice? Yeah. Yeah.\n\nThat's okay. We could always look to reduce that back a little bit if you are finding your take home pay is a little bit tight. It's understandable. The cost of living is extremely high. But if you're happy to continue with doing that for the moment, that's absolutely fine.\n\nWith your returns, when we look at returns, we're looking at essentially the income that's being produced out of the super fund as well as any additional growth as a whole after any admin fees within the fund. You've made 12.18% for the year. So it is a good solid return. You've seen some really good growth in your super fund there. And, you know, if you're depending on what you sort of open to, I know you sort of had emailed through wanting to have a bit of a look at your super and look at whether it's worth making any alterations or changes there.\n\nWe could, if you're comfortable, go back to the drawing board, have a look at the investment that you're in, and look at maybe updating the super fund and the investments to see if we can get some greater growth moving forward. Does that sound like something you're open to? Or yeah. Beautiful. Excellent.\n\nDid you want me to, as part of looking at this scenario, keep that salary sacrifice to the $500 per fortnight? Or did you wanna maybe just bring it back a little bit knowing that your income's a little bit tight with with the extra money going into sleep. What do you wanna do, Camilla? We'll leave it. Not a problem at all.\n\nYeah. That's absolutely fine. Hopefully, we get a little bit of release. All good. So you as I mentioned, your balance at the moment is $94,003.92 and 25¢.\n\nHaving a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole. So Hub twenty four has essentially, it is the super fund, but it does have different different stages to the fund where, at the moment, you're in the discovery option, which is the cheapest version of the fund. In order to have different investments and to open up different investment menus, we do have to look at the super fund and maybe move you into a different component of hub twenty four. So they have the three different investment options, and the different investment options give us access to different investments. Are you happy with me looking at hub twenty four at the super fund as a whole and working out how best to structure the investments for you in any way that works better.\n\nYeah. That's okay. Beautiful. Lovely. And when you think towards about, you know, your goals and what you're tracking for when you would like to realistically retire, when I kind of look back to when you came on board originally and Bart had done up the advice for you, we were tracking forward to, I believe, around about age 65.\n\nAre you changing that? Are you still comfortable with that? When do you realistically wanna be able to stop working? Oh, I hope not. We wanna make sure you can.\n\nYeah. 65, not a problem at all. If that ever does change, we can alter the advice. It's not a problem at all. I'll just track forward to see what 65 looks like.\n\nDid you want me to look at maybe as an alternative option, 60 as well just to see where you're tracking for it, 60 as well as 65 to give you that option? Yep. 60 and 65. Beautiful. Excellent.\n\nAnd now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement? Have you sort of thought about what comfortable income you'd like to live on when you get to that point? Yeah. Yeah. How much is yeah.\n\nAnd how much rent are you paying at the moment? $7.30? $7.40? Yeah. Is that per week?\n\nYep. Okay. Beautiful. And income wise, we had you earning about 85,000 per annum last year. Is that about the same, or have you had an increase on that recently?\n\nNope. That's okay. It's the same income. Yep. Absolutely fine.\n\nAnd I've got you still working for MMT care in health care? Yep. Beautiful. Having a look at other assets, the only thing I had noted here was your car. What kind of vehicle do you drive?\n\nOh, beautiful. It's a great car. Beautiful. And I had an asset value on that of about 50,000 last time. I think that's some sort of when you came on board originally.\n\nHave you if you had to sell that vehicle tomorrow, what kind of value is it to you? What value would you put on it? That's okay. Yep. That's alright.\n\nYeah. That's okay. We can absolutely put that on there. What year model is it? Yeah.\n\nBeautiful. I'm just having a quick look at some of the tools I have to see what sort of average value it might be. Yeah. Perfect. So that would definitely be holding its value a lot more.\n\nTouring. Okay. So it's saying here that estimated current value is between 31,500 to 38,300. Does that feel fairly accurate for you if you had to sell that that's sort of what you'd wanna would get for it? Yeah.\n\nDid you want me to put the 38 down there for you? It's probably holding its value quite nicely. Yep. Beautiful. And you mentioned you've nearly paid that off as well.\n\nI had here that your loan was about 35,000. How much do you have left on that one to pay? Okay. Yep. That's absolutely fine.\n\nI can work that out for you as an estimate. And you mentioned it should all be paid off in a few months? Oh, okay. October next year. So a little over a year to go.\n\nYep. That's okay. Beautiful. And do you have any kind of balloon payment that you'll need to make at the end of that, or would that clear the loan completely? Oh, that's good.\n\nYou've got some you're close to having it all paid off and owning it outright. Looking at any other assets you do have, do you have any other cars, boats, caravans, or anything else of value that you'd note down? No. That's absolutely fine. Do you have any other personal loans, credit cards, or anything else debt wise that we should note down for you?\n\nYep. Yep. Okay. Beautiful. Another 2 and 5,000 limit.\n\nBeautiful. Thank you for updating all those details there for me. Now the other thing we do wanna have a look at is the insurance side of things. So I know when you came on board originally having a look at things, we retained your level of cover, but we had reduced it down to about a million dollars. So since going, going to that reduction, your life in TBD cover has gone back through renewal.\n\nAnd as it goes through a renewal every year, the sum insured actually continues to increase back a little bit, and it means that the policy does get more expensive again over time. Your current life and TBD sum insured is 1,102,500. Given that you are realistically debt free, minus that little bit you low owe on the car there, in the event of, say, a life event, if you were to pass away, we hope nothing happens. But if that was to occur, obviously, the 1,102,500 is paid out, but then your super benefit can be paid out on top of that. Where was it that you were wanting that to go?\n\nWho are you wanting it to be paid to? Your kids? Lovely. And I've got the beneficiary nominated here as, we've got, sorry, Amber, Cooper, Jack, and Nate. Is that right?\n\n25% to each? Yeah. Lovely. And the level of cover, that 1,102,500, do you feel like that's appropriate? Did you wanna look at reviewing that amount at all?\n\nAre you happy just to keep it as is? No. Absolutely not. And with the TBD, so total permanent disability pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. You have the same level of PPD as you do have life, so that 1,102,500.\n\nIn the event of a PPD claim as well, we can also claim against your super. So it does release the super to you as well. I'm not sure if anyone's kind of made mention before, but I do like to confirm, TBD, if you do claim it and you're under the age of 60, is actually a taxable payment, and the tax can be up to 22%. In the event of a claim, we would help you with the claim, and we also provide additional advice on how to limit the amount of tax there. But just knowing that that is an option, and there is tax depending on the claim and when the claim is made, Do you feel like that same level of TBD is appropriate?\n\nDid you wanna look at reviewing that in any way, and did you have any questions around TBD? It's a really unfair system, unfortunately. I definitely disagree that anyone who's TBD, if you're permanently incapacitated or disabled, the last thing the government should be doing is taxing that money. But, unfortunately, it does happen. So I just like to make sure I'm giving you a little bit of information around how that works.\n\nIf at any point you ever wanted to look at the TBD or the life cover or anything like that, let me know. I'm more than happy to. However, at the amount you do have, it is quite good. I think one of the biggest things with TBD is just making sure that it, you know, realistically could cover the amount of money you have because one of the biggest things I do find or have found in the past is where TBD has been claimed, the client is able to take either a lump sum payment or an income stream and keep the money invested. But that money needs to be sufficient to last you longevity.\n\nSo replace your income or, you know, give you a a certain standard of living basically right through retirement as well. So it's just about making sure that level of cover is sufficient for you. But you're comfortable with what you've got at the moment? Yes. That's okay.\n\nDo you have any questions about the two types of cover you have, how they work, or anything around those? No. That's okay. Now looking at things, you don't have any income protection or trauma insurances. Do you understand what those types of cover are, how they work?\n\nOr no. That's okay. So income protection can pay out a lump so any a monthly benefit in the event that you're unable to go to work in the short term. It can be one of the most expensive types cover that we do get because it's the first net we do tend to claim. Not having any income protection does mean that in the event that you're unable to go to work, you just need to be able to fall back on long service leave, sick leave, annual leave, have savings behind you, or some sort of income replacement.\n\nIf you don't have access to that amount of money through, you know, your own savings, then, obviously, Centrelink is an option if you're eligible there as well. Obviously, if you did wanna look at getting income protection, it is important to note that we would have to go through an application, assess your health, and look at what kind of terms would be applied. And the premiums can be a little bit more expensive if you're paying for it out of super can have an effect on your retirement as well because the amount paying paid out of super does reduce, you know, your retirement income at the end of things. But it's up to you. It's also gotta be important to you.\n\nAnd if having some sort of income replacement is important, then it's our job to make that happen for you. Do you have any thoughts about income protection? Is it important to look at, or you're comfortable not having it? How do you sort of feel about that? Yep.\n\nThat's absolutely fine. There are other types of insurances, but, I mean, we can essentially insure ourselves at the end of the world. You look at everything out there that you can insure for. You can also get other insurances like trauma, which pays out a lump sum benefit in the event that you're diagnosed with, say, a major medical condition like cancer, Parkinson's, heart attack, stroke, things like that. Trauma is an out of pocket expense.\n\nYou can't hold it inside super like you can the other covers. Just double checking. You're happy just to forego anything additional for the moment. Yeah. That's okay.\n\nI just wanna make sure that you're aware of the options and let you make the decision as to what's important to you. Okay? Excellent. All good. Now the other thing, I can see your beneficiaries are in place here, and we've confirmed that they're as you would like them, which is fantastic.\n\nWith regard to your other estate planning side of things, I can see here that you had had a will in the past. Is your will still up to date and reflect your current circumstances? No. It needs to be updated. Yeah.\n\nThat's okay. Do you have oh, absolutely. It's on a lot of our to do list. Do you know did your past will also account for a power of attorney? Yeah.\n\nDo you know if it also had a power of attorney in place? No. That's okay. That's okay. It is absolutely something to have a chat to a solicitor about.\n\nSo if you've got a local solicitor that has done your will in the past that you're comfortable with, definitely having it updated is very important and making sure you have a power of attorney in place. Essentially, a power of attorney is someone that you've chosen to make medical and or financial decisions if you're unable to to say, as an example, you have a car accident and, you know, you're medically incapacitated for a period of time in a coma or something, that power of attorney can then be enacted where someone can follow your direction and make decisions for you as per your wishes. It sort of makes it a lot more it kind of puts a lot of things into perspective. It is a hard conversation to have with loved ones when you're picking a power of attorney. It doesn't have to be one person.\n\nYou can have three. I know my mom has myself and my siblings as co power of attorney, so we all have to make that decision together. So it can always you know, it doesn't have to be one person, but it's just about making sure that all those things outside of your super and your life insurance are also covered, and having a will and power of attorney in place does that for you. Okay. Beautiful.\n\nExcellent. Basically, that's everything I kind of needed to go through. Do you have any other goals over the next one, two, three, five years that you're looking to sort of achieve or anything else that you're wanting to, you know, focus on aside from super? No? Yeah.\n\nAbsolutely. So just to sort of make sure I have everything correct there, I'm gonna go back. I'll do some research on the the current super fund you have, the investment that you're currently in, how that's been performing. I'll look at the other options within Hub twenty four and any other super funds out there to make sure you're in the best fund possible. Look at, obviously, the portfolio, any other portfolios that we do have access to and sort of make sure that, you know, things are working as hard as possible for you.\n\nAnd we'll keep those contributions at the same level for the time being with that salary sacrifice there. We're working towards essentially an age of 65. Income wise, you weren't really sure about what income you'd like to sort of focus on in retirement because I am projecting out and looking at what we're able to achieve and how we can get things working harder for you. Would you just like me to look at maybe replacing your current income in retirement, or do you feel like you wanna focus on that $2,000 a week to sort of see how things project out? What do you what would be more important to you?\n\nWell, if you like, I could look at the replacement of your current income so I can project that and sort of say, well, in retirement, if you're able to replace your current income, this is sort of what this might look like and sort of work on that as a goal in saying that goals can change. So in another six to twelve months or a couple of years, you might say that's that's different and we can change it. It's fine. But it's just sort of giving me something to project out to now and and a base for a goal now. Do you think 85,000 per year in retirement would be fairly comfortable for you, or do you think you wanna maybe have a little bit more for spending and enjoyment?\n\n85,000 per year. Sorry. Yeah. No. It's definitely not.\n\nYep. That's okay. I can just work on your current income just to sort of project things out, and we can update the advice. I can show you what the advice recommendations are, where we're tracking, what we're looking towards. And then, you know, you can always tell me that you don't like that or you're not comfortable with that, and we can go back to the drawing board.\n\nYeah. That's okay. Oh, I'm so sorry. Oh, absolutely. I'm so, so sorry that you're going through that, Camilla.\n\nYeah. Of course. There's a lot going on in your life. Well, what I'll do if you like, I'll, yeah, I'll have a look at replacing your current income. I'll look at your super.\n\nI'll make sure your beneficiaries are in line with your wishes. I'll retain your insurances, and I'll look at projecting things out to make sure you're working and tracking towards your retirement goal. We'll start there, and then we can always go back to the drawing board if you're not comfortable. Okay? Does that sound alright?\n\nYep. If you could, that would be fantastic. Yeah. Now the other thing, you're right, the other thing I just wanted to sort of talk about now when Bart brought you on board, he obviously wasn't charging an ongoing service fee because your balance was lower. The idea is he wanted to get your super working hard to get your balance a bit higher.\n\nBut moving into a more sophisticated platform with, you know, more sophisticated investments that are working hard, it does mean we need to review them a lot more often. So at some point, I do need to turn on our ongoing service fee. At the moment, the ongoing service fee is 1.65% per annum. It is deducted from your super fund on a monthly basis in smaller monthly increments. As part of the advice, I'll show you what that looks like.\n\nWe wanna make sure, obviously, your super is working, and we can't charge a fee for our services if your super isn't working harder and, you know, making that money. But I do need to obviously make sure I do put that on at some point. And it looks like this year with updating the advice and moving things around a bit, we're gonna have to do that. Do you have any questions? Does that make sense?\n\nAnd is there any kind of concerns around that? Yeah. I will absolutely ask him what he wants to do with that. I just have to disclose what the full fee is, and I'll make sure I kinda come back and see what Bart wants to do with that. But I'll I'll essentially put that in the advice document for you and let you know essentially what that looks like, how it affects your super moving forward, and then we'll make sure we keep reviewing things to keep you on track.\n\nIs that okay? Yes. And I do apologize. I wasn't aware that you're about the system. So sorry.\n\nIt's all good. But now look, honestly, I look after everyone exactly the same. Every client is just as important. I'll look after you no different. We just wanna make sure your super is working harder for you.\n\nAnd, again, I'm very sorry for everything that you're going through. We'll take it slow. I'll look at your super, the investments, how everything's projecting out. I'll show you the advice document with everything laid out in it, then you get to take it away and read it the same as you did with the original. And then you get to tell me whether you like it, whether you don't, any changes you wanna make, and we'll keep reviewing things to make sure your super is working harder for you.\n\nDoes that sound okay? Yeah. Do you have any questions? Is there anything else that you think I may not have touched on that might be important to you? I know it's still very early.\n\nI hope you had your coffee at least. That's okay. Beautiful. I'll go back to Barton to double check the fee structure, make sure that, obviously, if there's any discount he wants to apply, we'll do that for you, and I'll make sure it's reflected in the advice document. Okay?\n\nThat's okay. I hope you have a really good day, Camilla. No worries. I'll talk to you soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Dana, OQ Financial, annual review.","start":8.16,"end":10.82,"sentiment":"neutral","sentiment_score":0.04261795505881309},{"text":"Hi, Camilla.","start":23.135,"end":23.855,"sentiment":"neutral","sentiment_score":0.11914794892072678},{"text":"This is Dana from Okie Financial.","start":23.855,"end":25.455,"sentiment":"neutral","sentiment_score":0.14782030383745828},{"text":"How are you this morning?","start":25.455,"end":26.595001,"sentiment":"neutral","sentiment_score":0.20015433430671692},{"text":"That's good.","start":28.34,"end":28.82,"sentiment":"positive","sentiment_score":0.5967614054679871}],"sentiment":"neutral","sentiment_score":0.17663009893149137,"num_words":20,"start":8.16,"end":28.82},{"sentences":[{"text":"I had you booked in to go through your annual review.","start":28.82,"end":30.82,"sentiment":"neutral","sentiment_score":0.31014480915936554},{"text":"Is now still a good time there for you?","start":30.82,"end":32.68,"sentiment":"neutral","sentiment_score":0.26403141849570805},{"text":"Oh, fantastic.","start":34.66,"end":35.559998,"sentiment":"positive","sentiment_score":0.5088506042957306},{"text":"And how's your morning been so far?","start":35.7,"end":37.64,"sentiment":"neutral","sentiment_score":0.23893902131489345},{"text":"That's good.","start":40.274998,"end":41.094997,"sentiment":"positive","sentiment_score":0.4685959070920944}],"sentiment":"neutral","sentiment_score":0.30372070449013866,"num_words":31,"start":28.82,"end":41.094997},{"sentences":[{"text":"Camilla, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":41.155,"end":45.715,"sentiment":"neutral","sentiment_score":0.11560399694876237},{"text":"Are you happy for us to proceed with that?","start":45.715,"end":47.655,"sentiment":"neutral","sentiment_score":0.15969289342562357},{"text":"Fantastic.","start":49.715,"end":50.215,"sentiment":"positive","sentiment_score":0.5665640234947205},{"text":"And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":50.274998,"end":56.23,"sentiment":"neutral","sentiment_score":0.1868980195787218},{"text":"Yep.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.03689118102192879}],"sentiment":"neutral","sentiment_score":0.1605037617807587,"num_words":60,"start":41.155,"end":59.75},{"sentences":[{"text":"Yep.","start":61.41,"end":61.91,"sentiment":"neutral","sentiment_score":0.10237904638051988},{"text":"Beautiful.","start":62.05,"end":62.55,"sentiment":"positive","sentiment_score":0.3911770284175873},{"text":"Fantastic.","start":63.329998,"end":63.829998,"sentiment":"neutral","sentiment_score":0.32833173871040344},{"text":"So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those?","start":64.625,"end":71.765,"sentiment":"neutral","sentiment_score":-0.03138045742525719},{"text":"Yeah.","start":74.945,"end":75.185,"sentiment":"neutral","sentiment_score":0.049450889229774475}],"sentiment":"neutral","sentiment_score":-0.003689887079720696,"num_words":36,"start":61.41,"end":75.185},{"sentences":[{"text":"That's okay.","start":75.185,"end":75.744995,"sentiment":"neutral","sentiment_score":0.0688055269420147},{"text":"So we normally just send through some annual review documents to you via email for you to look at.","start":75.744995,"end":80.13,"sentiment":"neutral","sentiment_score":0.0717500283529884},{"text":"That way you can sort of see the documents that I'm going through and have a look at them as well.","start":80.13,"end":87.13875,"sentiment":"neutral","sentiment_score":0.07916383196910222},{"text":"I'll just press send on that one.","start":87.13875,"end":89.475,"sentiment":"neutral","sentiment_score":0.06999012029596738},{"text":"Hopefully, it comes through fairly quickly for you.","start":89.475,"end":92.145,"sentiment":"neutral","sentiment_score":0.15425343066453934}],"sentiment":"neutral","sentiment_score":0.08574140967245687,"num_words":57,"start":75.185,"end":92.145},{"sentences":[{"text":"All good.","start":93.66499,"end":94.405,"sentiment":"neutral","sentiment_score":0.2790706902742386},{"text":"Now it has gone through there.","start":94.545,"end":96.405,"sentiment":"neutral","sentiment_score":0.1096384512881438},{"text":"It'll come through from Odoo sign there for you and possibly from my email saying that Odoo Financial dot com dot a u.","start":97.024994,"end":103.84499,"sentiment":"neutral","sentiment_score":0.05943368877405706},{"text":"Beautiful.","start":104.64001,"end":105.14001,"sentiment":"neutral","sentiment_score":0.22163935005664823},{"text":"Fantastic.","start":110.560005,"end":111.060005,"sentiment":"neutral","sentiment_score":0.25884824991226196}],"sentiment":"neutral","sentiment_score":0.09283134939544128,"num_words":33,"start":93.66499,"end":111.060005},{"sentences":[{"text":"So with that one there, if you just have a look at the main email and just scroll down just slightly, there should be some attachments there.","start":111.28001,"end":120.975,"sentiment":"neutral","sentiment_score":0.06523430271557083},{"text":"If they're not, it looks like the attachments might have dropped off, but yeah.","start":120.975,"end":127.695,"sentiment":"neutral","sentiment_score":-0.014161866657169802},{"text":"That'll be a task file opt in form.","start":127.695,"end":129.695,"sentiment":"neutral","sentiment_score":0.029469954082742333},{"text":"It looks like oh, sorry.","start":129.695,"end":131.055,"sentiment":"neutral","sentiment_score":-0.013175980746746063},{"text":"It looks like the attachment dropped off the email.","start":131.055,"end":133.635,"sentiment":"neutral","sentiment_score":-0.06767978353632821}],"sentiment":"neutral","sentiment_score":0.01783843995589349,"num_words":63,"start":111.28001,"end":133.635},{"sentences":[{"text":"That's okay.","start":134.24,"end":134.9,"sentiment":"neutral","sentiment_score":0.05548189487308264},{"text":"I can just quickly shoot them through to you separately.","start":135.12,"end":137.62,"sentiment":"neutral","sentiment_score":0.08161227777600288},{"text":"My not just yet.","start":139.2,"end":142.0,"sentiment":"neutral","sentiment_score":-0.006855359533801675},{"text":"So with that document there, just to let you know, it is a tax file consent form.","start":142.0,"end":145.68,"sentiment":"neutral","sentiment_score":0.058987543972976064},{"text":"So we essentially send that out and get everyone just to confirm to see you're aware we do hold your tax file number.","start":145.68,"end":151.21126,"sentiment":"neutral","sentiment_score":0.07489433018085749}],"sentiment":"neutral","sentiment_score":0.0647325530548447,"num_words":56,"start":134.24,"end":151.21126},{"sentences":[{"text":"If at any point you're, you know, concerned or unsure with that, just let us know.","start":151.21126,"end":155.14125,"sentiment":"neutral","sentiment_score":-0.018151666154153645},{"text":"But, essentially, the idea is because we set up your super fund, we do need to make sure we do hold a copy of tax phone number for that purpose.","start":155.14125,"end":162.51,"sentiment":"neutral","sentiment_score":0.026085567971070606},{"text":"So we just like to make sure that you're aware of that, obviously, the circumstances around that, and also just making sure that, you know, you're aware of the security around that sort of thing because it is very sensitive information.","start":163.06999,"end":173.40999,"sentiment":"neutral","sentiment_score":-0.03834584048699315},{"text":"Okay?","start":173.87,"end":174.37,"sentiment":"neutral","sentiment_score":0.022010911256074905},{"text":"Beautiful.","start":175.605,"end":176.085,"sentiment":"positive","sentiment_score":0.3406083583831787}],"sentiment":"neutral","sentiment_score":-0.008060896737773098,"num_words":89,"start":151.21126,"end":176.085},{"sentences":[{"text":"It looks like the attachments just dropped off as that came through.","start":176.085,"end":179.285,"sentiment":"neutral","sentiment_score":-0.05359684613843759},{"text":"It said here the file was slightly too large.","start":179.285,"end":181.525,"sentiment":"neutral","sentiment_score":-0.29052429066763985},{"text":"So I'm just gonna reattach those attachments to another email for you and just send that through separately.","start":181.525,"end":187.305,"sentiment":"neutral","sentiment_score":-0.050813782339294754},{"text":"Sorry about that.","start":187.445,"end":188.425,"sentiment":"neutral","sentiment_score":-0.14354306956132254},{"text":"Beautiful.","start":193.06001,"end":193.56001,"sentiment":"positive","sentiment_score":0.3550962209701538}],"sentiment":"neutral","sentiment_score":-0.09879213580211928,"num_words":43,"start":176.085,"end":193.56001},{"sentences":[{"text":"Okay.","start":201.15501,"end":201.65501,"sentiment":"neutral","sentiment_score":0.15469498932361603},{"text":"There we go.","start":206.91501,"end":207.895,"sentiment":"neutral","sentiment_score":0.17695979277292886},{"text":"And you're working from home this morning.","start":207.955,"end":209.63501,"sentiment":"neutral","sentiment_score":0.11663477122783661},{"text":"Is that right?","start":209.63501,"end":210.455,"sentiment":"neutral","sentiment_score":0.09787109245856603},{"text":"Yeah.","start":212.195,"end":212.675,"sentiment":"neutral","sentiment_score":0.09895414113998412}],"sentiment":"neutral","sentiment_score":0.1263056789835294,"num_words":15,"start":201.15501,"end":212.675},{"sentences":[{"text":"Oh, fantastic.","start":212.675,"end":213.335,"sentiment":"positive","sentiment_score":0.36126454174518585},{"text":"Do you work from home very often or just a a once off here and there?","start":213.395,"end":217.16,"sentiment":"neutral","sentiment_score":0.04526368516962975},{"text":"No?","start":217.45999,"end":217.95999,"sentiment":"neutral","sentiment_score":-0.01077909767627716},{"text":"Yeah.","start":219.94,"end":220.44,"sentiment":"neutral","sentiment_score":0.09732571244239809},{"text":"Oh, it's good to be able to work from home on a chilly morning.","start":220.5,"end":223.08,"sentiment":"positive","sentiment_score":0.35509287885257174}],"sentiment":"neutral","sentiment_score":0.1913116166148992,"num_words":34,"start":212.675,"end":223.08},{"sentences":[{"text":"Oh, no.","start":227.715,"end":231.715,"sentiment":"neutral","sentiment_score":-0.02957834769040346},{"text":"Hopefully, it survives the day for you.","start":231.715,"end":234.055,"sentiment":"neutral","sentiment_score":-0.009274258677448546},{"text":"Yeah.","start":239.555,"end":240.055,"sentiment":"neutral","sentiment_score":-0.0301462821662426},{"text":"Much smaller screen there, isn't it?","start":240.11499,"end":242.135,"sentiment":"neutral","sentiment_score":-0.046188369703789554},{"text":"Wow.","start":246.87999,"end":247.28,"sentiment":"neutral","sentiment_score":0.03933563828468323}],"sentiment":"neutral","sentiment_score":-0.02305984518983785,"num_words":17,"start":227.715,"end":247.28},{"sentences":[{"text":"Well, hopefully, that lasts for you.","start":247.28,"end":249.62,"sentiment":"neutral","sentiment_score":0.24742577721675238},{"text":"I just sent that separate email there with the attachments documents.","start":250.08,"end":253.12,"sentiment":"neutral","sentiment_score":0.009722502986815844},{"text":"I do apologize that they dropped off.","start":253.12,"end":254.79999,"sentiment":"neutral","sentiment_score":-0.13214001591716493},{"text":"It just came back saying file too large.","start":254.79999,"end":257.22,"sentiment":"neutral","sentiment_score":-0.25826795026659966},{"text":"So I've just snip it a few of the ones that you I need to send through to you.","start":257.52,"end":261.975,"sentiment":"neutral","sentiment_score":-0.04124622772398748}],"sentiment":"neutral","sentiment_score":-0.042809800865749516,"num_words":51,"start":247.28,"end":261.975},{"sentences":[{"text":"That way you've got those there.","start":261.975,"end":263.495,"sentiment":"neutral","sentiment_score":-0.012210109174096337},{"text":"Okay.","start":263.495,"end":263.995,"sentiment":"neutral","sentiment_score":0.11821460723876952},{"text":"Hopefully, it pops through fairly quickly for you.","start":272.55,"end":275.05,"sentiment":"neutral","sentiment_score":0.22510400880128145},{"text":"No.","start":279.27,"end":279.66998,"sentiment":"neutral","sentiment_score":-0.047585830092430115},{"text":"That's okay.","start":279.66998,"end":280.38998,"sentiment":"neutral","sentiment_score":0.02816257392987609}],"sentiment":"neutral","sentiment_score":0.10302918557620917,"num_words":18,"start":261.975,"end":280.38998},{"sentences":[{"text":"If you like, because you're working today, I can just run through the documents.","start":280.38998,"end":284.07,"sentiment":"neutral","sentiment_score":0.11318221422178405},{"text":"You're welcome to have a bit of a look once they do through.","start":284.07,"end":286.765,"sentiment":"neutral","sentiment_score":0.2856172093978295},{"text":"Also, just check your junk mailbox as well.","start":286.765,"end":288.845,"sentiment":"neutral","sentiment_score":0.023332655429840088},{"text":"Sometimes I get redirected through the junk.","start":288.845,"end":291.085,"sentiment":"neutral","sentiment_score":-0.04759507040892329},{"text":"That's not a problem at all.","start":291.085,"end":292.625,"sentiment":"neutral","sentiment_score":0.045968882739543915}],"sentiment":"neutral","sentiment_score":0.11306007850604753,"num_words":48,"start":280.38998,"end":292.625},{"sentences":[{"text":"But I do have the reports in front.","start":293.165,"end":295.245,"sentiment":"neutral","sentiment_score":0.07960365619510412},{"text":"So one of the things that we were looking at was when you came on board, originally, we have placed you into one of the cheapest super funds within Hub 24 there to kinda get your balance growing.","start":295.245,"end":304.23,"sentiment":"neutral","sentiment_score":0.20444015119420855},{"text":"And now you're just under that $100,000 mark.","start":304.53003,"end":307.17,"sentiment":"neutral","sentiment_score":0.22608223371207714},{"text":"So it's about looking at whether we provide additional advice and move you into a more sophisticated portfolio and kind of keep things building and growing towards your retirement goals.","start":307.17,"end":316.55002,"sentiment":"neutral","sentiment_score":0.19976744974652927},{"text":"When I do have a look back at this time last year, your balance then was about $64,003.54 and 61¢ then.","start":317.27502,"end":324.495,"sentiment":"neutral","sentiment_score":0.06799060646444559}],"sentiment":"neutral","sentiment_score":0.16891392775309774,"num_words":105,"start":293.165,"end":324.495},{"sentences":[{"text":"Looking at your balance now, you've got a total balance in there currently of, sorry, $94,003.92 and 25¢.","start":325.11502,"end":333.32,"sentiment":"neutral","sentiment_score":0.17669219830456903},{"text":"So you have seen a lovely increase there over the last twelve months.","start":333.32,"end":336.78,"sentiment":"positive","sentiment_score":0.44956275591483486},{"text":"Obviously, your contributions are going in.","start":337.16,"end":339.0,"sentiment":"neutral","sentiment_score":0.16702319184939066},{"text":"You're still salary sacrificing quite a good amount at $500 on a weekly basis.","start":339.0,"end":344.305,"sentiment":"neutral","sentiment_score":0.06204754087541785},{"text":"Is that right?","start":344.305,"end":345.125,"sentiment":"neutral","sentiment_score":0.0766945481300354}],"sentiment":"neutral","sentiment_score":0.20658436916627973,"num_words":54,"start":325.11502,"end":345.125},{"sentences":[{"text":"Fortnightly.","start":346.705,"end":347.205,"sentiment":"neutral","sentiment_score":0.004675657022744417},{"text":"No.","start":347.505,"end":347.665,"sentiment":"neutral","sentiment_score":-0.04325541108846664},{"text":"That's okay.","start":347.665,"end":348.485,"sentiment":"neutral","sentiment_score":-0.0126655837520957},{"text":"Sorry about that.","start":348.54498,"end":349.505,"sentiment":"neutral","sentiment_score":0.1628885294000308},{"text":"Beautiful.","start":349.505,"end":350.005,"sentiment":"positive","sentiment_score":0.3974732756614685}],"sentiment":"neutral","sentiment_score":0.1027784927864559,"num_words":8,"start":346.705,"end":350.005},{"sentences":[{"text":"And you're happy doing that.","start":350.225,"end":351.425,"sentiment":"positive","sentiment_score":0.4633097887039185},{"text":"Is there any sort of concerns around the the difference in income or your take home pay?","start":351.425,"end":355.585,"sentiment":"neutral","sentiment_score":-0.0797977600904072},{"text":"You're sort of happy continuing with that salary sacrifice?","start":355.585,"end":358.085,"sentiment":"neutral","sentiment_score":0.01219818058113257},{"text":"Yeah.","start":361.65,"end":362.15,"sentiment":"neutral","sentiment_score":-0.0810035690665245},{"text":"Yeah.","start":365.25,"end":365.65,"sentiment":"neutral","sentiment_score":-0.015351987443864346}],"sentiment":"neutral","sentiment_score":0.029497426990984066,"num_words":33,"start":350.225,"end":365.65},{"sentences":[{"text":"That's okay.","start":365.65,"end":366.47,"sentiment":"neutral","sentiment_score":0.08114110678434372},{"text":"We could always look to reduce that back a little bit if you are finding your take home pay is a little bit tight.","start":366.69,"end":371.865,"sentiment":"neutral","sentiment_score":-0.20152368986358246},{"text":"It's understandable.","start":372.425,"end":373.16498,"sentiment":"neutral","sentiment_score":-0.14080138504505157},{"text":"The cost of living is extremely high.","start":373.38498,"end":375.565,"sentiment":"neutral","sentiment_score":-0.31957152698721203},{"text":"But if you're happy to continue with doing that for the moment, that's absolutely fine.","start":375.785,"end":379.72498,"sentiment":"neutral","sentiment_score":0.24644651959339778}],"sentiment":"neutral","sentiment_score":-0.06992384016513825,"num_words":50,"start":365.65,"end":379.72498},{"sentences":[{"text":"With your returns, when we look at returns, we're looking at essentially the income that's being produced out of the super fund as well as any additional growth as a whole after any admin fees within the fund.","start":380.585,"end":392.41,"sentiment":"neutral","sentiment_score":0.296090105646535},{"text":"You've made 12.18% for the year.","start":392.41,"end":395.13,"sentiment":"positive","sentiment_score":0.6273583372433981},{"text":"So it is a good solid return.","start":395.13,"end":397.05,"sentiment":"positive","sentiment_score":0.775180961404528},{"text":"You've seen some really good growth in your super fund there.","start":397.05,"end":399.705,"sentiment":"positive","sentiment_score":0.7604287754405629},{"text":"And, you know, if you're depending on what you sort of open to, I know you sort of had emailed through wanting to have a bit of a look at your super and look at whether it's worth making any alterations or changes there.","start":400.585,"end":410.28497,"sentiment":"neutral","sentiment_score":0.04330533878369765}],"sentiment":"neutral","sentiment_score":0.2897357755112198,"num_words":106,"start":380.585,"end":410.28497},{"sentences":[{"text":"We could, if you're comfortable, go back to the drawing board, have a look at the investment that you're in, and look at maybe updating the super fund and the investments to see if we can get some greater growth moving forward.","start":410.82498,"end":422.84,"sentiment":"neutral","sentiment_score":0.1159308147394941},{"text":"Does that sound like something you're open to?","start":422.84,"end":424.76,"sentiment":"neutral","sentiment_score":0.05729367560707033},{"text":"Or yeah.","start":424.76,"end":427.34,"sentiment":"neutral","sentiment_score":0.05589843820780516},{"text":"Beautiful.","start":428.495,"end":428.995,"sentiment":"positive","sentiment_score":0.6337147355079651},{"text":"Excellent.","start":429.615,"end":430.115,"sentiment":"positive","sentiment_score":0.6138070225715637}],"sentiment":"neutral","sentiment_score":0.1238289307113047,"num_words":54,"start":410.82498,"end":430.115},{"sentences":[{"text":"Did you want me to, as part of looking at this scenario, keep that salary sacrifice to the $500 per fortnight?","start":430.57498,"end":436.41498,"sentiment":"neutral","sentiment_score":0.04460958830480065},{"text":"Or did you wanna maybe just bring it back a little bit knowing that your income's a little bit tight with with the extra money going into sleep.","start":436.41498,"end":443.22,"sentiment":"neutral","sentiment_score":-0.05870355439505407},{"text":"What do you wanna do, Camilla?","start":443.22,"end":444.84,"sentiment":"neutral","sentiment_score":-0.006089817111690839},{"text":"We'll leave it.","start":447.46,"end":448.1,"sentiment":"neutral","sentiment_score":-0.03614385984838009},{"text":"Not a problem at all.","start":448.1,"end":449.48,"sentiment":"neutral","sentiment_score":0.00531340092420578}],"sentiment":"neutral","sentiment_score":-0.013100026131031058,"num_words":63,"start":430.57498,"end":449.48},{"sentences":[{"text":"Yeah.","start":449.94,"end":450.18,"sentiment":"neutral","sentiment_score":0.19131016731262207},{"text":"That's absolutely fine.","start":450.18,"end":451.46,"sentiment":"positive","sentiment_score":0.405871053536733},{"text":"Hopefully, we get a little bit of release.","start":451.46,"end":453.4,"sentiment":"neutral","sentiment_score":0.27696877904236317},{"text":"All good.","start":457.025,"end":457.765,"sentiment":"positive","sentiment_score":0.49045976996421814},{"text":"So you as I mentioned, your balance at the moment is $94,003.92 and 25¢.","start":458.625,"end":463.745,"sentiment":"neutral","sentiment_score":0.10456241724582818}],"sentiment":"neutral","sentiment_score":0.22092238979207146,"num_words":28,"start":449.94,"end":463.745},{"sentences":[{"text":"Having a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole.","start":463.745,"end":475.38,"sentiment":"neutral","sentiment_score":0.031061515618020143},{"text":"So Hub twenty four has essentially, it is the super fund, but it does have different different stages to the fund where, at the moment, you're in the discovery option, which is the cheapest version of the fund.","start":475.84,"end":488.855,"sentiment":"neutral","sentiment_score":0.03022441309631655},{"text":"In order to have different investments and to open up different investment menus, we do have to look at the super fund and maybe move you into a different component of hub twenty four.","start":488.995,"end":499.85,"sentiment":"neutral","sentiment_score":0.019683485878083634},{"text":"So they have the three different investment options, and the different investment options give us access to different investments.","start":499.85,"end":504.99,"sentiment":"neutral","sentiment_score":0.03267522357208164},{"text":"Are you happy with me looking at hub twenty four at the super fund as a whole and working out how best to structure the investments for you in any way that works better.","start":505.77002,"end":515.965,"sentiment":"neutral","sentiment_score":0.12713440222775235}],"sentiment":"neutral","sentiment_score":0.04861319664774871,"num_words":164,"start":463.745,"end":515.965},{"sentences":[{"text":"Yeah.","start":516.025,"end":516.34503,"sentiment":"neutral","sentiment_score":0.13039755821228027},{"text":"That's okay.","start":516.34503,"end":517.16504,"sentiment":"neutral","sentiment_score":0.28295737504959106},{"text":"Beautiful.","start":517.865,"end":518.365,"sentiment":"positive","sentiment_score":0.7349048256874084},{"text":"Lovely.","start":521.065,"end":521.565,"sentiment":"positive","sentiment_score":0.6702536344528198},{"text":"And when you think towards about, you know, your goals and what you're tracking for when you would like to realistically retire, when I kind of look back to when you came on board originally and Bart had done up the advice for you, we were tracking forward to, I believe, around about age 65.","start":522.585,"end":539.715,"sentiment":"neutral","sentiment_score":0.08612174953926693}],"sentiment":"neutral","sentiment_score":0.11396944988518953,"num_words":60,"start":516.025,"end":539.715},{"sentences":[{"text":"Are you changing that?","start":539.935,"end":541.295,"sentiment":"neutral","sentiment_score":-0.014224188402295113},{"text":"Are you still comfortable with that?","start":541.295,"end":542.815,"sentiment":"neutral","sentiment_score":-0.06908552224437396},{"text":"When do you realistically wanna be able to stop working?","start":542.815,"end":545.635,"sentiment":"neutral","sentiment_score":-0.1096240296959877},{"text":"Oh, I hope not.","start":550.175,"end":551.295,"sentiment":"neutral","sentiment_score":-0.09698659181594849},{"text":"We wanna make sure you can.","start":551.295,"end":552.995,"sentiment":"neutral","sentiment_score":-0.05117224964002768}],"sentiment":"neutral","sentiment_score":-0.07542100163797537,"num_words":30,"start":539.935,"end":552.995},{"sentences":[{"text":"Yeah.","start":556.87,"end":557.35,"sentiment":"neutral","sentiment_score":0.03224261850118637},{"text":"65, not a problem at all.","start":557.35,"end":559.69,"sentiment":"neutral","sentiment_score":0.0933681217332681},{"text":"If that ever does change, we can alter the advice.","start":559.75,"end":562.23,"sentiment":"neutral","sentiment_score":0.08370360322296619},{"text":"It's not a problem at all.","start":562.23,"end":563.43,"sentiment":"neutral","sentiment_score":0.2043421963850657},{"text":"I'll just track forward to see what 65 looks like.","start":563.43,"end":566.41,"sentiment":"neutral","sentiment_score":0.09785870984196662}],"sentiment":"neutral","sentiment_score":0.1101250805412278,"num_words":33,"start":556.87,"end":566.41},{"sentences":[{"text":"Did you want me to look at maybe as an alternative option, 60 as well just to see where you're tracking for it, 60 as well as 65 to give you that option?","start":566.87,"end":576.345,"sentiment":"neutral","sentiment_score":0.04746773534200408},{"text":"Yep.","start":578.32495,"end":578.82495,"sentiment":"neutral","sentiment_score":0.08545203506946564},{"text":"60 and 65.","start":578.96497,"end":580.565,"sentiment":"neutral","sentiment_score":0.11471818387508392},{"text":"Beautiful.","start":580.565,"end":581.065,"sentiment":"positive","sentiment_score":0.6135803461074829},{"text":"Excellent.","start":583.14,"end":583.64,"sentiment":"neutral","sentiment_score":0.06608395278453827}],"sentiment":"neutral","sentiment_score":0.06860785004802239,"num_words":39,"start":566.87,"end":583.64},{"sentences":[{"text":"And now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement?","start":584.26,"end":591.88,"sentiment":"neutral","sentiment_score":-0.04757128397543584},{"text":"Have you sort of thought about what comfortable income you'd like to live on when you get to that point?","start":592.02,"end":596.6,"sentiment":"neutral","sentiment_score":-0.007201921008527279},{"text":"Yeah.","start":607.785,"end":608.285,"sentiment":"neutral","sentiment_score":-0.09167905151844025},{"text":"Yeah.","start":612.44,"end":612.94,"sentiment":"neutral","sentiment_score":-0.03297330439090729},{"text":"How much is yeah.","start":613.4,"end":616.78,"sentiment":"neutral","sentiment_score":-0.03839028347283602}],"sentiment":"neutral","sentiment_score":-0.033280030056311374,"num_words":57,"start":584.26,"end":616.78},{"sentences":[{"text":"And how much rent are you paying at the moment?","start":616.84,"end":618.94,"sentiment":"neutral","sentiment_score":-0.022207171749323608},{"text":"$7.30?","start":630.135,"end":630.955,"sentiment":"neutral","sentiment_score":-0.0023768278770148754},{"text":"$7.40?","start":631.895,"end":632.775,"sentiment":"neutral","sentiment_score":0.00005178852006793022},{"text":"Yeah.","start":632.775,"end":633.09503,"sentiment":"neutral","sentiment_score":0.005177142098546028},{"text":"Is that per week?","start":633.09503,"end":634.155,"sentiment":"neutral","sentiment_score":0.004505223478190601}],"sentiment":"neutral","sentiment_score":-0.011835218872874975,"num_words":17,"start":616.84,"end":634.155},{"sentences":[{"text":"Yep.","start":636.00995,"end":636.41,"sentiment":"neutral","sentiment_score":0.051480066031217575},{"text":"Okay.","start":636.41,"end":636.81,"sentiment":"neutral","sentiment_score":0.12171074748039246},{"text":"Beautiful.","start":636.81,"end":637.31,"sentiment":"positive","sentiment_score":0.3413844704627991},{"text":"And income wise, we had you earning about 85,000 per annum last year.","start":638.49,"end":643.37,"sentiment":"neutral","sentiment_score":0.06733664898918225},{"text":"Is that about the same, or have you had an increase on that recently?","start":643.37,"end":646.75,"sentiment":"neutral","sentiment_score":0.010294735165578979}],"sentiment":"neutral","sentiment_score":0.051135933771729467,"num_words":30,"start":636.00995,"end":646.75},{"sentences":[{"text":"Nope.","start":649.005,"end":649.325,"sentiment":"neutral","sentiment_score":-0.12432809174060822},{"text":"That's okay.","start":649.325,"end":649.965,"sentiment":"neutral","sentiment_score":-0.04410660080611706},{"text":"It's the same income.","start":649.965,"end":651.025,"sentiment":"neutral","sentiment_score":-0.008321772096678615},{"text":"Yep.","start":651.325,"end":651.72504,"sentiment":"neutral","sentiment_score":0.07052929699420929},{"text":"Absolutely fine.","start":651.72504,"end":652.86505,"sentiment":"neutral","sentiment_score":0.19808274507522583}],"sentiment":"neutral","sentiment_score":0.022086640540510415,"num_words":10,"start":649.005,"end":652.86505},{"sentences":[{"text":"And I've got you still working for MMT care in health care?","start":653.405,"end":657.265,"sentiment":"neutral","sentiment_score":0.043927522065738835},{"text":"Yep.","start":658.60504,"end":659.085,"sentiment":"neutral","sentiment_score":0.07336150109767914},{"text":"Beautiful.","start":659.085,"end":659.585,"sentiment":"neutral","sentiment_score":0.2764686346054077},{"text":"Having a look at other assets, the only thing I had noted here was your car.","start":660.92,"end":664.27997,"sentiment":"neutral","sentiment_score":0.0670095793902874},{"text":"What kind of vehicle do you drive?","start":664.27997,"end":665.9,"sentiment":"neutral","sentiment_score":0.022421068378857205}],"sentiment":"neutral","sentiment_score":0.05692057160509599,"num_words":37,"start":653.405,"end":665.9},{"sentences":[{"text":"Oh, beautiful.","start":669.0,"end":669.82,"sentiment":"positive","sentiment_score":0.45811349153518677},{"text":"It's a great car.","start":669.88,"end":671.02,"sentiment":"positive","sentiment_score":0.6111336499452591},{"text":"Beautiful.","start":673.09503,"end":673.59503,"sentiment":"positive","sentiment_score":0.4602011442184448},{"text":"And I had an asset value on that of about 50,000 last time.","start":674.53503,"end":678.455,"sentiment":"neutral","sentiment_score":0.08266929909586906},{"text":"I think that's some sort of when you came on board originally.","start":678.455,"end":680.795,"sentiment":"neutral","sentiment_score":0.047053334303200245}],"sentiment":"neutral","sentiment_score":0.17063448834232986,"num_words":32,"start":669.0,"end":680.795},{"sentences":[{"text":"Have you if you had to sell that vehicle tomorrow, what kind of value is it to you?","start":682.055,"end":686.135,"sentiment":"neutral","sentiment_score":0.011127073938647905},{"text":"What value would you put on it?","start":686.135,"end":687.91504,"sentiment":"neutral","sentiment_score":-0.018291593130145754},{"text":"That's okay.","start":691.4,"end":692.30005,"sentiment":"neutral","sentiment_score":-0.0893830843269825},{"text":"Yep.","start":700.535,"end":701.035,"sentiment":"neutral","sentiment_score":-0.06897392123937607},{"text":"That's alright.","start":704.21497,"end":704.95496,"sentiment":"neutral","sentiment_score":-0.05328824371099472}],"sentiment":"neutral","sentiment_score":-0.00940234661102295,"num_words":30,"start":682.055,"end":704.95496},{"sentences":[{"text":"Yeah.","start":707.175,"end":707.675,"sentiment":"neutral","sentiment_score":0.08187587559223175},{"text":"That's okay.","start":707.735,"end":708.375,"sentiment":"neutral","sentiment_score":0.3281870037317276},{"text":"We can absolutely put that on there.","start":708.375,"end":710.235,"sentiment":"positive","sentiment_score":0.506423124245235},{"text":"What year model is it?","start":710.77496,"end":712.39496,"sentiment":"neutral","sentiment_score":0.03974123969674111},{"text":"Yeah.","start":722.77,"end":723.17004,"sentiment":"neutral","sentiment_score":0.17272114753723145}],"sentiment":"neutral","sentiment_score":0.29091494367457926,"num_words":16,"start":707.175,"end":723.17004},{"sentences":[{"text":"Beautiful.","start":723.17004,"end":723.65,"sentiment":"positive","sentiment_score":0.6420254111289978},{"text":"I'm just having a quick look at some of the tools I have to see what sort of average value it might be.","start":723.65,"end":729.40497,"sentiment":"neutral","sentiment_score":0.27072229851847107},{"text":"Yeah.","start":732.58496,"end":733.08496,"sentiment":"neutral","sentiment_score":0.2261410802602768},{"text":"Perfect.","start":734.425,"end":734.90497,"sentiment":"positive","sentiment_score":0.5898846387863159},{"text":"So that would definitely be holding its value a lot more.","start":734.90497,"end":738.20496,"sentiment":"positive","sentiment_score":0.37284770472483203}],"sentiment":"neutral","sentiment_score":0.31854023643442103,"num_words":37,"start":723.17004,"end":738.20496},{"sentences":[{"text":"Touring.","start":740.6,"end":741.1,"sentiment":"neutral","sentiment_score":0.05055224150419235},{"text":"Okay.","start":746.68,"end":747.18,"sentiment":"neutral","sentiment_score":0.08960612863302231},{"text":"So it's saying here that estimated current value is between 31,500 to 38,300.","start":747.24,"end":756.475,"sentiment":"neutral","sentiment_score":0.06606329547671172},{"text":"Does that feel fairly accurate for you if you had to sell that that's sort of what you'd wanna would get for it?","start":756.475,"end":761.935,"sentiment":"neutral","sentiment_score":0.10338511739088141},{"text":"Yeah.","start":763.435,"end":763.83496,"sentiment":"neutral","sentiment_score":0.04577666521072388}],"sentiment":"neutral","sentiment_score":0.08775937375731957,"num_words":39,"start":740.6,"end":763.83496},{"sentences":[{"text":"Did you want me to put the 38 down there for you?","start":763.83496,"end":766.235,"sentiment":"neutral","sentiment_score":0.045691801545520626},{"text":"It's probably holding its value quite nicely.","start":766.235,"end":768.31006,"sentiment":"neutral","sentiment_score":0.15588068536349706},{"text":"Yep.","start":770.77,"end":771.09,"sentiment":"neutral","sentiment_score":0.25664564967155457},{"text":"Beautiful.","start":771.09,"end":771.59,"sentiment":"positive","sentiment_score":0.5336034893989563},{"text":"And you mentioned you've nearly paid that off as well.","start":772.13,"end":774.21,"sentiment":"neutral","sentiment_score":0.2008771374821663}],"sentiment":"neutral","sentiment_score":0.1431769977413839,"num_words":31,"start":763.83496,"end":774.21},{"sentences":[{"text":"I had here that your loan was about 35,000.","start":774.21,"end":777.27,"sentiment":"neutral","sentiment_score":0.04363505790630976},{"text":"How much do you have left on that one to pay?","start":777.89,"end":780.15,"sentiment":"neutral","sentiment_score":0.018115727061575108},{"text":"Okay.","start":784.435,"end":784.935,"sentiment":"neutral","sentiment_score":0.02894538640975952},{"text":"Yep.","start":790.355,"end":790.855,"sentiment":"neutral","sentiment_score":0.15615618228912354},{"text":"That's absolutely fine.","start":791.795,"end":792.835,"sentiment":"positive","sentiment_score":0.3507762948671977}],"sentiment":"neutral","sentiment_score":0.07317675888538361,"num_words":25,"start":774.21,"end":792.835},{"sentences":[{"text":"I can work that out for you as an estimate.","start":792.835,"end":794.935,"sentiment":"neutral","sentiment_score":0.22642255425453187},{"text":"And you mentioned it should all be paid off in a few months?","start":795.23004,"end":797.73004,"sentiment":"neutral","sentiment_score":0.057983948347660214},{"text":"Oh, okay.","start":802.11005,"end":802.75,"sentiment":"neutral","sentiment_score":0.03848557360470295},{"text":"October next year.","start":802.75,"end":803.79004,"sentiment":"neutral","sentiment_score":0.028391806408762932},{"text":"So a little over a year to go.","start":803.79004,"end":805.39,"sentiment":"neutral","sentiment_score":0.05023217899724841}],"sentiment":"neutral","sentiment_score":0.09950057970773843,"num_words":36,"start":792.835,"end":805.39},{"sentences":[{"text":"Yep.","start":805.39,"end":805.71,"sentiment":"neutral","sentiment_score":0.09146739542484283},{"text":"That's okay.","start":805.71,"end":806.45,"sentiment":"neutral","sentiment_score":0.23279937356710434},{"text":"Beautiful.","start":807.64496,"end":808.14496,"sentiment":"positive","sentiment_score":0.42283180356025696},{"text":"And do you have any kind of balloon payment that you'll need to make at the end of that, or would that clear the loan completely?","start":808.845,"end":813.82495,"sentiment":"neutral","sentiment_score":0.03281944180623843},{"text":"Oh, that's good.","start":816.685,"end":817.565,"sentiment":"neutral","sentiment_score":0.29059767723083496}],"sentiment":"neutral","sentiment_score":0.08196958984163674,"num_words":33,"start":805.39,"end":817.565},{"sentences":[{"text":"You've got some you're close to having it all paid off and owning it outright.","start":817.565,"end":821.02496,"sentiment":"neutral","sentiment_score":0.26519291202227274},{"text":"Looking at any other assets you do have, do you have any other cars, boats, caravans, or anything else of value that you'd note down?","start":823.48,"end":830.22003,"sentiment":"neutral","sentiment_score":0.05217815607786178},{"text":"No.","start":832.04,"end":832.28,"sentiment":"neutral","sentiment_score":-0.07161853462457657},{"text":"That's absolutely fine.","start":832.28,"end":833.82,"sentiment":"neutral","sentiment_score":0.04344305582344532},{"text":"Do you have any other personal loans, credit cards, or anything else debt wise that we should note down for you?","start":834.64496,"end":841.065,"sentiment":"neutral","sentiment_score":0.0355976095334405}],"sentiment":"neutral","sentiment_score":0.09367089254351763,"num_words":65,"start":817.565,"end":841.065},{"sentences":[{"text":"Yep.","start":845.845,"end":846.345,"sentiment":"neutral","sentiment_score":0.02207105979323387},{"text":"Yep.","start":848.53,"end":849.03,"sentiment":"neutral","sentiment_score":0.005941286683082581},{"text":"Okay.","start":854.69,"end":855.19,"sentiment":"neutral","sentiment_score":0.16090980172157288},{"text":"Beautiful.","start":855.33,"end":855.83,"sentiment":"positive","sentiment_score":0.415574163198471},{"text":"Another 2 and 5,000 limit.","start":856.61,"end":859.635,"sentiment":"neutral","sentiment_score":0.21342896223068236}],"sentiment":"neutral","sentiment_score":0.18573790250553024,"num_words":9,"start":845.845,"end":859.635},{"sentences":[{"text":"Beautiful.","start":859.875,"end":860.355,"sentiment":"positive","sentiment_score":0.6162742376327515},{"text":"Thank you for updating all those details there for me.","start":860.355,"end":863.015,"sentiment":"positive","sentiment_score":0.6992988586425781},{"text":"Now the other thing we do wanna have a look at is the insurance side of things.","start":863.555,"end":866.515,"sentiment":"neutral","sentiment_score":0.039334598271285784},{"text":"So I know when you came on board originally having a look at things, we retained your level of cover, but we had reduced it down to about a million dollars.","start":866.515,"end":874.375,"sentiment":"neutral","sentiment_score":0.006382168841458136},{"text":"So since going, going to that reduction, your life in TBD cover has gone back through renewal.","start":874.73,"end":881.29,"sentiment":"neutral","sentiment_score":-0.03441604917102}],"sentiment":"neutral","sentiment_score":0.10382533411642439,"num_words":76,"start":859.875,"end":881.29},{"sentences":[{"text":"And as it goes through a renewal every year, the sum insured actually continues to increase back a little bit, and it means that the policy does get more expensive again over time.","start":881.29,"end":890.19,"sentiment":"neutral","sentiment_score":-0.0847417086814389},{"text":"Your current life and TBD sum insured is 1,102,500.","start":890.465,"end":895.84503,"sentiment":"neutral","sentiment_score":-0.01833711564540863},{"text":"Given that you are realistically debt free, minus that little bit you low owe on the car there, in the event of, say, a life event, if you were to pass away, we hope nothing happens.","start":896.22504,"end":906.75,"sentiment":"neutral","sentiment_score":-0.01800560485571623},{"text":"But if that was to occur, obviously, the 1,102,500 is paid out, but then your super benefit can be paid out on top of that.","start":906.75,"end":914.85004,"sentiment":"neutral","sentiment_score":0.02904130220413208},{"text":"Where was it that you were wanting that to go?","start":914.91003,"end":916.91003,"sentiment":"neutral","sentiment_score":-0.014498896338045597}],"sentiment":"neutral","sentiment_score":-0.026802377083000883,"num_words":113,"start":881.29,"end":916.91003},{"sentences":[{"text":"Who are you wanting it to be paid to?","start":916.91003,"end":919.17004,"sentiment":"neutral","sentiment_score":-0.014524003076884482},{"text":"Your kids?","start":921.825,"end":922.46497,"sentiment":"neutral","sentiment_score":0.023195141926407814},{"text":"Lovely.","start":922.46497,"end":922.785,"sentiment":"neutral","sentiment_score":0.27181005477905273},{"text":"And I've got the beneficiary nominated here as, we've got, sorry, Amber, Cooper, Jack, and Nate.","start":922.785,"end":930.305,"sentiment":"neutral","sentiment_score":0.15597157832235098},{"text":"Is that right?","start":930.305,"end":930.945,"sentiment":"neutral","sentiment_score":0.09781057139237721}],"sentiment":"neutral","sentiment_score":0.09601487994434373,"num_words":31,"start":916.91003,"end":930.945},{"sentences":[{"text":"25% to each?","start":930.945,"end":932.485,"sentiment":"neutral","sentiment_score":0.054322775453329086},{"text":"Yeah.","start":933.81,"end":934.29,"sentiment":"neutral","sentiment_score":0.12488296627998352},{"text":"Lovely.","start":934.29,"end":934.79,"sentiment":"neutral","sentiment_score":0.221729576587677},{"text":"And the level of cover, that 1,102,500, do you feel like that's appropriate?","start":934.93,"end":939.99,"sentiment":"neutral","sentiment_score":0.0817107859139259},{"text":"Did you wanna look at reviewing that amount at all?","start":940.05,"end":942.20996,"sentiment":"neutral","sentiment_score":0.045877857506275176}],"sentiment":"neutral","sentiment_score":0.07252141647040844,"num_words":28,"start":930.945,"end":942.20996},{"sentences":[{"text":"Are you happy just to keep it as is?","start":942.20996,"end":944.14996,"sentiment":"neutral","sentiment_score":0.028927069985204272},{"text":"No.","start":947.265,"end":947.745,"sentiment":"negative","sentiment_score":-0.5011438727378845},{"text":"Absolutely not.","start":947.745,"end":949.205,"sentiment":"negative","sentiment_score":-0.44294440746307373},{"text":"And with the TBD, so total permanent disability pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again.","start":949.425,"end":958.085,"sentiment":"neutral","sentiment_score":-0.12648353818804026},{"text":"You have the same level of PPD as you do have life, so that 1,102,500.","start":958.36,"end":964.38,"sentiment":"neutral","sentiment_score":0.13863389988740285}],"sentiment":"neutral","sentiment_score":-0.05245175900853286,"num_words":59,"start":942.20996,"end":964.38},{"sentences":[{"text":"In the event of a PPD claim as well, we can also claim against your super.","start":964.76,"end":968.92,"sentiment":"neutral","sentiment_score":0.06939346628496423},{"text":"So it does release the super to you as well.","start":968.92,"end":971.34,"sentiment":"neutral","sentiment_score":0.25097309052944183},{"text":"I'm not sure if anyone's kind of made mention before, but I do like to confirm, TBD, if you do claim it and you're under the age of 60, is actually a taxable payment, and the tax can be up to 22%.","start":971.89496,"end":983.675,"sentiment":"neutral","sentiment_score":0.07402070715934747},{"text":"In the event of a claim, we would help you with the claim, and we also provide additional advice on how to limit the amount of tax there.","start":984.26,"end":991.08,"sentiment":"neutral","sentiment_score":0.1755102194313492},{"text":"But just knowing that that is an option, and there is tax depending on the claim and when the claim is made, Do you feel like that same level of TBD is appropriate?","start":991.7,"end":1001.995,"sentiment":"neutral","sentiment_score":0.0982628334878069}],"sentiment":"neutral","sentiment_score":0.11539423035443291,"num_words":129,"start":964.76,"end":1001.995},{"sentences":[{"text":"Did you wanna look at reviewing that in any way, and did you have any questions around TBD?","start":1001.995,"end":1006.095,"sentiment":"neutral","sentiment_score":0.051526144690190755},{"text":"It's a really unfair system, unfortunately.","start":1009.755,"end":1011.69495,"sentiment":"negative","sentiment_score":-0.7737194995085398},{"text":"I definitely disagree that anyone who's TBD, if you're permanently incapacitated or disabled, the last thing the government should be doing is taxing that money.","start":1011.755,"end":1019.66,"sentiment":"negative","sentiment_score":-0.561523973941803},{"text":"But, unfortunately, it does happen.","start":1020.04,"end":1021.87994,"sentiment":"neutral","sentiment_score":-0.1964888572692871},{"text":"So I just like to make sure I'm giving you a little bit of information around how that works.","start":1021.87994,"end":1026.36,"sentiment":"neutral","sentiment_score":0.008904964319969478}],"sentiment":"neutral","sentiment_score":-0.25433144801972457,"num_words":73,"start":1001.995,"end":1026.36},{"sentences":[{"text":"If at any point you ever wanted to look at the TBD or the life cover or anything like that, let me know.","start":1026.36,"end":1032.4551,"sentiment":"neutral","sentiment_score":-0.020973092997851578},{"text":"I'm more than happy to.","start":1032.4551,"end":1033.8351,"sentiment":"positive","sentiment_score":0.40038164258003234},{"text":"However, at the amount you do have, it is quite good.","start":1034.2151,"end":1036.875,"sentiment":"positive","sentiment_score":0.4642839946530082},{"text":"I think one of the biggest things with TBD is just making sure that it, you know, realistically could cover the amount of money you have because one of the biggest things I do find or have found in the past is where TBD has been claimed, the client is able to take either a lump sum payment or an income stream and keep the money invested.","start":1037.175,"end":1054.3301,"sentiment":"neutral","sentiment_score":0.2207534248704341},{"text":"But that money needs to be sufficient to last you longevity.","start":1054.815,"end":1057.955,"sentiment":"neutral","sentiment_score":0.11573466387662021}],"sentiment":"neutral","sentiment_score":0.19393343405209035,"num_words":117,"start":1026.36,"end":1057.955},{"sentences":[{"text":"So replace your income or, you know, give you a a certain standard of living basically right through retirement as well.","start":1058.1749,"end":1065.315,"sentiment":"neutral","sentiment_score":0.21181802247606574},{"text":"So it's just about making sure that level of cover is sufficient for you.","start":1065.375,"end":1068.76,"sentiment":"neutral","sentiment_score":0.19045710510441236},{"text":"But you're comfortable with what you've got at the moment?","start":1068.76,"end":1071.34,"sentiment":"neutral","sentiment_score":0.1753314256668091},{"text":"Yes.","start":1074.04,"end":1074.4401,"sentiment":"neutral","sentiment_score":0.16110195219516754},{"text":"That's okay.","start":1074.4401,"end":1075.16,"sentiment":"neutral","sentiment_score":0.22142168134450912}],"sentiment":"neutral","sentiment_score":0.19732994822940478,"num_words":48,"start":1058.1749,"end":1075.16},{"sentences":[{"text":"Do you have any questions about the two types of cover you have, how they work, or anything around those?","start":1075.16,"end":1080.38,"sentiment":"neutral","sentiment_score":0.03734738603234291},{"text":"No.","start":1082.845,"end":1083.085,"sentiment":"neutral","sentiment_score":-0.2712712287902832},{"text":"That's okay.","start":1083.085,"end":1083.905,"sentiment":"neutral","sentiment_score":-0.13295866176486015},{"text":"Now looking at things, you don't have any income protection or trauma insurances.","start":1084.445,"end":1087.985,"sentiment":"neutral","sentiment_score":-0.14148402242706373},{"text":"Do you understand what those types of cover are, how they work?","start":1088.205,"end":1091.405,"sentiment":"neutral","sentiment_score":-0.06657422209779422}],"sentiment":"neutral","sentiment_score":-0.050592162258302174,"num_words":48,"start":1075.16,"end":1091.405},{"sentences":[{"text":"Or no.","start":1091.405,"end":1096.62,"sentiment":"neutral","sentiment_score":-0.12381485849618912},{"text":"That's okay.","start":1096.62,"end":1097.34,"sentiment":"neutral","sentiment_score":-0.035844603553414345},{"text":"So income protection can pay out a lump so any a monthly benefit in the event that you're unable to go to work in the short term.","start":1097.34,"end":1104.16,"sentiment":"neutral","sentiment_score":-0.09717307308757747},{"text":"It can be one of the most expensive types cover that we do get because it's the first net we do tend to claim.","start":1105.18,"end":1110.4651,"sentiment":"neutral","sentiment_score":-0.16263364534825087},{"text":"Not having any income protection does mean that in the event that you're unable to go to work, you just need to be able to fall back on long service leave, sick leave, annual leave, have savings behind you, or some sort of income replacement.","start":1111.0851,"end":1123.3999,"sentiment":"neutral","sentiment_score":-0.17977597564458847}],"sentiment":"neutral","sentiment_score":-0.149361182898283,"num_words":100,"start":1091.405,"end":1123.3999},{"sentences":[{"text":"If you don't have access to that amount of money through, you know, your own savings, then, obviously, Centrelink is an option if you're eligible there as well.","start":1124.34,"end":1133.0,"sentiment":"neutral","sentiment_score":-0.013263840893549579},{"text":"Obviously, if you did wanna look at getting income protection, it is important to note that we would have to go through an application, assess your health, and look at what kind of terms would be applied.","start":1133.86,"end":1142.8351,"sentiment":"neutral","sentiment_score":0.015954057711201744},{"text":"And the premiums can be a little bit more expensive if you're paying for it out of super can have an effect on your retirement as well because the amount paying paid out of super does reduce, you know, your retirement income at the end of things.","start":1143.2151,"end":1156.62,"sentiment":"neutral","sentiment_score":-0.13145541288751236},{"text":"But it's up to you.","start":1157.08,"end":1157.88,"sentiment":"neutral","sentiment_score":0.09746199250221252},{"text":"It's also gotta be important to you.","start":1157.88,"end":1159.3999,"sentiment":"neutral","sentiment_score":0.24159609632832663}],"sentiment":"neutral","sentiment_score":-0.030492009504908515,"num_words":124,"start":1124.34,"end":1159.3999},{"sentences":[{"text":"And if having some sort of income replacement is important, then it's our job to make that happen for you.","start":1159.3999,"end":1165.26,"sentiment":"neutral","sentiment_score":0.2563534311950207},{"text":"Do you have any thoughts about income protection?","start":1166.115,"end":1168.1951,"sentiment":"neutral","sentiment_score":0.03331991424784064},{"text":"Is it important to look at, or you're comfortable not having it?","start":1168.1951,"end":1170.835,"sentiment":"neutral","sentiment_score":-0.003782276219377915},{"text":"How do you sort of feel about that?","start":1170.835,"end":1172.535,"sentiment":"neutral","sentiment_score":-0.005831592716276646},{"text":"Yep.","start":1176.115,"end":1176.435,"sentiment":"neutral","sentiment_score":0.2087703049182892}],"sentiment":"neutral","sentiment_score":0.11245628951915673,"num_words":49,"start":1159.3999,"end":1176.435},{"sentences":[{"text":"That's absolutely fine.","start":1176.435,"end":1177.895,"sentiment":"positive","sentiment_score":0.4987388054529826},{"text":"There are other types of insurances, but, I mean, we can essentially insure ourselves at the end of the world.","start":1178.25,"end":1182.83,"sentiment":"neutral","sentiment_score":0.22349799685180188},{"text":"You look at everything out there that you can insure for.","start":1182.89,"end":1185.55,"sentiment":"neutral","sentiment_score":0.18457671729001132},{"text":"You can also get other insurances like trauma, which pays out a lump sum benefit in the event that you're diagnosed with, say, a major medical condition like cancer, Parkinson's, heart attack, stroke, things like that.","start":1186.33,"end":1197.9651,"sentiment":"neutral","sentiment_score":0.016700069989181228},{"text":"Trauma is an out of pocket expense.","start":1198.025,"end":1199.865,"sentiment":"neutral","sentiment_score":-0.12523878685065679}],"sentiment":"neutral","sentiment_score":0.10027339292520826,"num_words":77,"start":1176.435,"end":1199.865},{"sentences":[{"text":"You can't hold it inside super like you can the other covers.","start":1199.865,"end":1203.0851,"sentiment":"neutral","sentiment_score":-0.11807607176403205},{"text":"Just double checking.","start":1203.7051,"end":1204.5851,"sentiment":"neutral","sentiment_score":0.0025511793792247772},{"text":"You're happy just to forego anything additional for the moment.","start":1204.5851,"end":1207.805,"sentiment":"neutral","sentiment_score":-0.014593334496021274},{"text":"Yeah.","start":1209.51,"end":1209.75,"sentiment":"neutral","sentiment_score":0.18296341598033905},{"text":"That's okay.","start":1209.75,"end":1210.39,"sentiment":"neutral","sentiment_score":0.32595394551754}],"sentiment":"neutral","sentiment_score":-0.025725762891982282,"num_words":28,"start":1199.865,"end":1210.39},{"sentences":[{"text":"I just wanna make sure that you're aware of the options and let you make the decision as to what's important to you.","start":1210.39,"end":1215.8301,"sentiment":"neutral","sentiment_score":0.3133738533310268},{"text":"Okay?","start":1215.8301,"end":1216.3301,"sentiment":"neutral","sentiment_score":0.20466116070747375},{"text":"Excellent.","start":1218.2301,"end":1218.7301,"sentiment":"positive","sentiment_score":0.6805757284164429},{"text":"All good.","start":1219.03,"end":1219.8501,"sentiment":"positive","sentiment_score":0.6559938788414001},{"text":"Now the other thing, I can see your beneficiaries are in place here, and we've confirmed that they're as you would like them, which is fantastic.","start":1220.8049,"end":1227.1449,"sentiment":"positive","sentiment_score":0.5432318128072299}],"sentiment":"positive","sentiment_score":0.4439405737058172,"num_words":53,"start":1210.39,"end":1227.1449},{"sentences":[{"text":"With regard to your other estate planning side of things, I can see here that you had had a will in the past.","start":1228.4049,"end":1234.44,"sentiment":"neutral","sentiment_score":0.10265281180972638},{"text":"Is your will still up to date and reflect your current circumstances?","start":1234.44,"end":1237.6599,"sentiment":"neutral","sentiment_score":0.04451698623597622},{"text":"No.","start":1240.0399,"end":1240.44,"sentiment":"neutral","sentiment_score":-0.15904217958450317},{"text":"It needs to be updated.","start":1240.44,"end":1241.6599,"sentiment":"neutral","sentiment_score":-0.158812952041626},{"text":"Yeah.","start":1243.64,"end":1243.96,"sentiment":"neutral","sentiment_score":0.027624834328889847}],"sentiment":"neutral","sentiment_score":0.0468984857378971,"num_words":42,"start":1228.4049,"end":1243.96},{"sentences":[{"text":"That's okay.","start":1243.96,"end":1244.6799,"sentiment":"neutral","sentiment_score":0.07926414906978607},{"text":"Do you have oh, absolutely.","start":1244.6799,"end":1247.02,"sentiment":"neutral","sentiment_score":0.060688409954309464},{"text":"It's on a lot of our to do list.","start":1247.3999,"end":1249.605,"sentiment":"neutral","sentiment_score":0.08243117026156849},{"text":"Do you know did your past will also account for a power of attorney?","start":1251.345,"end":1255.605,"sentiment":"neutral","sentiment_score":-0.0036518840518380913},{"text":"Yeah.","start":1260.64,"end":1260.88,"sentiment":"neutral","sentiment_score":-0.005803784355521202}],"sentiment":"neutral","sentiment_score":0.03699744255432198,"num_words":31,"start":1243.96,"end":1260.88},{"sentences":[{"text":"Do you know if it also had a power of attorney in place?","start":1260.88,"end":1263.9401,"sentiment":"neutral","sentiment_score":-0.037993195753258005},{"text":"No.","start":1265.92,"end":1266.08,"sentiment":"neutral","sentiment_score":-0.1524268537759781},{"text":"That's okay.","start":1266.08,"end":1266.72,"sentiment":"neutral","sentiment_score":-0.09402692690491676},{"text":"That's okay.","start":1266.72,"end":1267.36,"sentiment":"neutral","sentiment_score":0.011819234583526848},{"text":"It is absolutely something to have a chat to a solicitor about.","start":1267.36,"end":1269.84,"sentiment":"neutral","sentiment_score":0.018944936183591683}],"sentiment":"neutral","sentiment_score":-0.019447151633600394,"num_words":30,"start":1260.88,"end":1269.84},{"sentences":[{"text":"So if you've got a local solicitor that has done your will in the past that you're comfortable with, definitely having it updated is very important and making sure you have a power of attorney in place.","start":1269.84,"end":1278.9551,"sentiment":"neutral","sentiment_score":0.08287206795570012},{"text":"Essentially, a power of attorney is someone that you've chosen to make medical and or financial decisions if you're unable to to say, as an example, you have a car accident and, you know, you're medically incapacitated for a period of time in a coma or something, that power of attorney can then be enacted where someone can follow your direction and make decisions for you as per your wishes.","start":1279.655,"end":1302.21,"sentiment":"neutral","sentiment_score":0.04007951591546381},{"text":"It sort of makes it a lot more it kind of puts a lot of things into perspective.","start":1303.215,"end":1307.9349,"sentiment":"neutral","sentiment_score":0.15397197960151565},{"text":"It is a hard conversation to have with loved ones when you're picking a power of attorney.","start":1307.9349,"end":1311.955,"sentiment":"neutral","sentiment_score":-0.026177684529958403},{"text":"It doesn't have to be one person.","start":1312.095,"end":1313.455,"sentiment":"neutral","sentiment_score":0.007863004824944906}],"sentiment":"neutral","sentiment_score":0.05539160173178507,"num_words":149,"start":1269.84,"end":1313.455},{"sentences":[{"text":"You can have three.","start":1313.455,"end":1314.255,"sentiment":"neutral","sentiment_score":0.054607365280389786},{"text":"I know my mom has myself and my siblings as co power of attorney, so we all have to make that decision together.","start":1314.255,"end":1320.8899,"sentiment":"neutral","sentiment_score":0.1376932551679404},{"text":"So it can always you know, it doesn't have to be one person, but it's just about making sure that all those things outside of your super and your life insurance are also covered, and having a will and power of attorney in place does that for you.","start":1321.9099,"end":1333.61,"sentiment":"neutral","sentiment_score":0.1560637749886761},{"text":"Okay.","start":1333.6699,"end":1334.1699,"sentiment":"neutral","sentiment_score":0.13163477182388306},{"text":"Beautiful.","start":1335.5249,"end":1336.0249,"sentiment":"positive","sentiment_score":0.6379411220550537}],"sentiment":"neutral","sentiment_score":0.15124690160155296,"num_words":77,"start":1313.455,"end":1336.0249},{"sentences":[{"text":"Excellent.","start":1337.7649,"end":1338.2649,"sentiment":"positive","sentiment_score":0.6859055757522583},{"text":"Basically, that's everything I kind of needed to go through.","start":1338.965,"end":1342.1649,"sentiment":"neutral","sentiment_score":0.3315797746181488},{"text":"Do you have any other goals over the next one, two, three, five years that you're looking to sort of achieve or anything else that you're wanting to, you know, focus on aside from super?","start":1342.1649,"end":1353.91,"sentiment":"neutral","sentiment_score":0.1488879776426724},{"text":"No?","start":1356.77,"end":1357.27,"sentiment":"neutral","sentiment_score":-0.23628710210323337},{"text":"Yeah.","start":1360.545,"end":1360.945,"sentiment":"neutral","sentiment_score":0.10299891233444214}],"sentiment":"neutral","sentiment_score":0.18915613228455186,"num_words":48,"start":1337.7649,"end":1360.945},{"sentences":[{"text":"Absolutely.","start":1360.945,"end":1361.445,"sentiment":"neutral","sentiment_score":0.16971367597579956},{"text":"So just to sort of make sure I have everything correct there, I'm gonna go back.","start":1362.065,"end":1366.145,"sentiment":"neutral","sentiment_score":0.03557926637586206},{"text":"I'll do some research on the the current super fund you have, the investment that you're currently in, how that's been performing.","start":1366.145,"end":1371.925,"sentiment":"neutral","sentiment_score":0.03467364338311282},{"text":"I'll look at the other options within Hub twenty four and any other super funds out there to make sure you're in the best fund possible.","start":1372.44,"end":1378.86,"sentiment":"neutral","sentiment_score":0.112220898270607},{"text":"Look at, obviously, the portfolio, any other portfolios that we do have access to and sort of make sure that, you know, things are working as hard as possible for you.","start":1379.3999,"end":1387.8999,"sentiment":"neutral","sentiment_score":0.0038987109738011522}],"sentiment":"neutral","sentiment_score":0.047295890496267624,"num_words":96,"start":1360.945,"end":1387.8999},{"sentences":[{"text":"And we'll keep those contributions at the same level for the time being with that salary sacrifice there.","start":1389.265,"end":1395.045,"sentiment":"positive","sentiment_score":0.3619107860657904},{"text":"We're working towards essentially an age of 65.","start":1395.345,"end":1398.645,"sentiment":"neutral","sentiment_score":0.32010845839977264},{"text":"Income wise, you weren't really sure about what income you'd like to sort of focus on in retirement because I am projecting out and looking at what we're able to achieve and how we can get things working harder for you.","start":1399.025,"end":1409.7799,"sentiment":"neutral","sentiment_score":0.3254439083904755},{"text":"Would you just like me to look at maybe replacing your current income in retirement, or do you feel like you wanna focus on that $2,000 a week to sort of see how things project out?","start":1409.9199,"end":1420.745,"sentiment":"neutral","sentiment_score":0.14454028444985548},{"text":"What do you what would be more important to you?","start":1420.745,"end":1423.165,"sentiment":"neutral","sentiment_score":0.0487139917910099}],"sentiment":"neutral","sentiment_score":0.24875267449997168,"num_words":113,"start":1389.265,"end":1423.165},{"sentences":[{"text":"Well, if you like, I could look at the replacement of your current income so I can project that and sort of say, well, in retirement, if you're able to replace your current income, this is sort of what this might look like and sort of work on that as a goal in saying that goals can change.","start":1427.5449,"end":1444.34,"sentiment":"neutral","sentiment_score":0.11741972811006267},{"text":"So in another six to twelve months or a couple of years, you might say that's that's different and we can change it.","start":1444.34,"end":1449.875,"sentiment":"neutral","sentiment_score":0.1252834283463333},{"text":"It's fine.","start":1449.875,"end":1450.615,"sentiment":"neutral","sentiment_score":0.26351404190063477},{"text":"But it's just sort of giving me something to project out to now and and a base for a goal now.","start":1451.075,"end":1455.795,"sentiment":"neutral","sentiment_score":0.24176509359053203},{"text":"Do you think 85,000 per year in retirement would be fairly comfortable for you, or do you think you wanna maybe have a little bit more for spending and enjoyment?","start":1455.795,"end":1466.04,"sentiment":"neutral","sentiment_score":0.1011850974832972}],"sentiment":"neutral","sentiment_score":0.13680232131381087,"num_words":134,"start":1427.5449,"end":1466.04},{"sentences":[{"text":"85,000 per year.","start":1470.02,"end":1471.54,"sentiment":"neutral","sentiment_score":-0.008209270114699999},{"text":"Sorry.","start":1471.54,"end":1472.04,"sentiment":"neutral","sentiment_score":-0.07774512469768524},{"text":"Yeah.","start":1473.14,"end":1473.64,"sentiment":"neutral","sentiment_score":-0.02466333843767643},{"text":"No.","start":1477.485,"end":1477.725,"sentiment":"negative","sentiment_score":-0.406566858291626},{"text":"It's definitely not.","start":1477.725,"end":1478.945,"sentiment":"negative","sentiment_score":-0.4830111463864644}],"sentiment":"neutral","sentiment_score":-0.220292952325609,"num_words":9,"start":1470.02,"end":1478.945},{"sentences":[{"text":"Yep.","start":1487.1,"end":1487.6,"sentiment":"neutral","sentiment_score":0.1018393263220787},{"text":"That's okay.","start":1488.3,"end":1489.2,"sentiment":"neutral","sentiment_score":0.2925855740904808},{"text":"I can just work on your current income just to sort of project things out, and we can update the advice.","start":1492.06,"end":1496.9401,"sentiment":"neutral","sentiment_score":0.2684191493760972},{"text":"I can show you what the advice recommendations are, where we're tracking, what we're looking towards.","start":1496.9401,"end":1501.2,"sentiment":"neutral","sentiment_score":0.27825671061873436},{"text":"And then, you know, you can always tell me that you don't like that or you're not comfortable with that, and we can go back to the drawing board.","start":1501.665,"end":1507.285,"sentiment":"negative","sentiment_score":-0.354437956522251}],"sentiment":"neutral","sentiment_score":0.007206075973268868,"num_words":69,"start":1487.1,"end":1507.285},{"sentences":[{"text":"Yeah.","start":1509.3451,"end":1509.8251,"sentiment":"neutral","sentiment_score":-0.017671354115009308},{"text":"That's okay.","start":1509.8251,"end":1510.5651,"sentiment":"neutral","sentiment_score":-0.11033563688397408},{"text":"Oh, I'm so sorry.","start":1513.025,"end":1514.405,"sentiment":"neutral","sentiment_score":-0.27751437574625015},{"text":"Oh, absolutely.","start":1519.0499,"end":1519.95,"sentiment":"neutral","sentiment_score":-0.16311606764793396},{"text":"I'm so, so sorry that you're going through that, Camilla.","start":1520.09,"end":1522.75,"sentiment":"neutral","sentiment_score":-0.29795991331338884}],"sentiment":"neutral","sentiment_score":-0.24495954733145864,"num_words":19,"start":1509.3451,"end":1522.75},{"sentences":[{"text":"Yeah.","start":1522.89,"end":1523.21,"sentiment":"neutral","sentiment_score":-0.01314033940434456},{"text":"Of course.","start":1523.21,"end":1523.87,"sentiment":"neutral","sentiment_score":0.059831343591213226},{"text":"There's a lot going on in your life.","start":1524.09,"end":1525.61,"sentiment":"neutral","sentiment_score":-0.02879724930971861},{"text":"Well, what I'll do if you like, I'll, yeah, I'll have a look at replacing your current income.","start":1525.61,"end":1530.685,"sentiment":"neutral","sentiment_score":0.013191057834774256},{"text":"I'll look at your super.","start":1530.685,"end":1532.285,"sentiment":"neutral","sentiment_score":0.14317045956850052}],"sentiment":"neutral","sentiment_score":0.024395167416728595,"num_words":34,"start":1522.89,"end":1532.285},{"sentences":[{"text":"I'll make sure your beneficiaries are in line with your wishes.","start":1532.285,"end":1535.105,"sentiment":"neutral","sentiment_score":0.23285128718072717},{"text":"I'll retain your insurances, and I'll look at projecting things out to make sure you're working and tracking towards your retirement goal.","start":1535.405,"end":1541.985,"sentiment":"neutral","sentiment_score":0.1513819880783558},{"text":"We'll start there, and then we can always go back to the drawing board if you're not comfortable.","start":1542.045,"end":1546.52,"sentiment":"neutral","sentiment_score":-0.18145161494612694},{"text":"Okay?","start":1546.66,"end":1547.06,"sentiment":"neutral","sentiment_score":0.007100377231836319},{"text":"Does that sound alright?","start":1547.06,"end":1548.12,"sentiment":"neutral","sentiment_score":0.07837036810815334}],"sentiment":"neutral","sentiment_score":0.052611083524035554,"num_words":56,"start":1532.285,"end":1548.12},{"sentences":[{"text":"Yep.","start":1548.82,"end":1549.32,"sentiment":"neutral","sentiment_score":0.08377643674612045},{"text":"If you could, that would be fantastic.","start":1553.86,"end":1555.64,"sentiment":"positive","sentiment_score":0.5176340426717486},{"text":"Yeah.","start":1556.02,"end":1556.52,"sentiment":"neutral","sentiment_score":0.14877170324325562},{"text":"Now the other thing, you're right, the other thing I just wanted to sort of talk about now when Bart brought you on board, he obviously wasn't charging an ongoing service fee because your balance was lower.","start":1556.98,"end":1567.185,"sentiment":"neutral","sentiment_score":0.016935452013402373},{"text":"The idea is he wanted to get your super working hard to get your balance a bit higher.","start":1567.185,"end":1571.4451,"sentiment":"neutral","sentiment_score":0.15233210970958075}],"sentiment":"neutral","sentiment_score":0.11288400215562433,"num_words":64,"start":1548.82,"end":1571.4451},{"sentences":[{"text":"But moving into a more sophisticated platform with, you know, more sophisticated investments that are working hard, it does mean we need to review them a lot more often.","start":1571.92,"end":1581.2001,"sentiment":"neutral","sentiment_score":-0.046280751325960816},{"text":"So at some point, I do need to turn on our ongoing service fee.","start":1581.2001,"end":1585.515,"sentiment":"neutral","sentiment_score":-0.053519776090979576},{"text":"At the moment, the ongoing service fee is 1.65% per annum.","start":1585.755,"end":1589.675,"sentiment":"neutral","sentiment_score":-0.015229566615413536},{"text":"It is deducted from your super fund on a monthly basis in smaller monthly increments.","start":1589.675,"end":1594.095,"sentiment":"neutral","sentiment_score":0.046280316946407156},{"text":"As part of the advice, I'll show you what that looks like.","start":1594.635,"end":1597.515,"sentiment":"neutral","sentiment_score":0.13081408540407816}],"sentiment":"neutral","sentiment_score":0.0000620974388755398,"num_words":81,"start":1571.92,"end":1597.515},{"sentences":[{"text":"We wanna make sure, obviously, your super is working, and we can't charge a fee for our services if your super isn't working harder and, you know, making that money.","start":1597.515,"end":1606.72,"sentiment":"neutral","sentiment_score":0.15978597874442738},{"text":"But I do need to obviously make sure I do put that on at some point.","start":1607.82,"end":1611.5,"sentiment":"neutral","sentiment_score":0.09739422192797065},{"text":"And it looks like this year with updating the advice and moving things around a bit, we're gonna have to do that.","start":1611.5,"end":1616.805,"sentiment":"neutral","sentiment_score":0.11802858452905308},{"text":"Do you have any questions?","start":1617.285,"end":1618.5651,"sentiment":"neutral","sentiment_score":0.09149419069290161},{"text":"Does that make sense?","start":1618.5651,"end":1619.685,"sentiment":"neutral","sentiment_score":0.09175289049744606}],"sentiment":"neutral","sentiment_score":0.12692205569186768,"num_words":77,"start":1597.515,"end":1619.685},{"sentences":[{"text":"And is there any kind of concerns around that?","start":1619.685,"end":1622.1051,"sentiment":"neutral","sentiment_score":0.0037112351920869616},{"text":"Yeah.","start":1622.405,"end":1622.905,"sentiment":"neutral","sentiment_score":-0.007725805044174194},{"text":"I will absolutely ask him what he wants to do with that.","start":1628.405,"end":1631.3651,"sentiment":"neutral","sentiment_score":-0.0714518294359247},{"text":"I just have to disclose what the full fee is, and I'll make sure I kinda come back and see what Bart wants to do with that.","start":1631.3651,"end":1637.87,"sentiment":"neutral","sentiment_score":0.04125138772306619},{"text":"But I'll I'll essentially put that in the advice document for you and let you know essentially what that looks like, how it affects your super moving forward, and then we'll make sure we keep reviewing things to keep you on track.","start":1638.09,"end":1650.685,"sentiment":"neutral","sentiment_score":0.30384832265831174}],"sentiment":"neutral","sentiment_score":0.14333703712775156,"num_words":91,"start":1619.685,"end":1650.685},{"sentences":[{"text":"Is that okay?","start":1650.685,"end":1651.665,"sentiment":"neutral","sentiment_score":0.1855796774228414},{"text":"Yes.","start":1652.525,"end":1652.925,"sentiment":"neutral","sentiment_score":0.11927276104688644},{"text":"And I do apologize.","start":1652.925,"end":1653.985,"sentiment":"neutral","sentiment_score":-0.025883290916681293},{"text":"I wasn't aware that you're about the system.","start":1654.045,"end":1655.885,"sentiment":"neutral","sentiment_score":-0.12889775354415178},{"text":"So sorry.","start":1655.885,"end":1656.7051,"sentiment":"neutral","sentiment_score":-0.11132322996854782}],"sentiment":"neutral","sentiment_score":-0.03785276992453469,"num_words":18,"start":1650.685,"end":1656.7051},{"sentences":[{"text":"It's all good.","start":1659.9801,"end":1660.7001,"sentiment":"neutral","sentiment_score":0.11654273855189483},{"text":"But now look, honestly, I look after everyone exactly the same.","start":1660.7001,"end":1663.7401,"sentiment":"neutral","sentiment_score":0.0989959104494615},{"text":"Every client is just as important.","start":1663.7401,"end":1665.3401,"sentiment":"neutral","sentiment_score":0.1314836616317431},{"text":"I'll look after you no different.","start":1665.3401,"end":1667.2001,"sentiment":"neutral","sentiment_score":0.06664940776924293},{"text":"We just wanna make sure your super is working harder for you.","start":1667.42,"end":1669.9801,"sentiment":"neutral","sentiment_score":0.0887792104234298}],"sentiment":"neutral","sentiment_score":0.09717716242333777,"num_words":38,"start":1659.9801,"end":1669.9801},{"sentences":[{"text":"And, again, I'm very sorry for everything that you're going through.","start":1669.9801,"end":1672.54,"sentiment":"negative","sentiment_score":-0.4106307192282243},{"text":"We'll take it slow.","start":1672.54,"end":1673.68,"sentiment":"negative","sentiment_score":-0.34220754727721214},{"text":"I'll look at your super, the investments, how everything's projecting out.","start":1674.315,"end":1677.835,"sentiment":"neutral","sentiment_score":0.05197080597281456},{"text":"I'll show you the advice document with everything laid out in it, then you get to take it away and read it the same as you did with the original.","start":1677.835,"end":1684.4149,"sentiment":"neutral","sentiment_score":0.23254461189111073},{"text":"And then you get to tell me whether you like it, whether you don't, any changes you wanna make, and we'll keep reviewing things to make sure your super is working harder for you.","start":1684.875,"end":1692.48,"sentiment":"neutral","sentiment_score":0.24809912789393873}],"sentiment":"neutral","sentiment_score":0.11219577189120981,"num_words":90,"start":1669.9801,"end":1692.48},{"sentences":[{"text":"Does that sound okay?","start":1692.48,"end":1693.62,"sentiment":"neutral","sentiment_score":0.31524384766817093},{"text":"Yeah.","start":1695.28,"end":1695.6799,"sentiment":"neutral","sentiment_score":0.18865785002708435},{"text":"Do you have any questions?","start":1695.6799,"end":1696.7999,"sentiment":"neutral","sentiment_score":0.14178330302238465},{"text":"Is there anything else that you think I may not have touched on that might be important to you?","start":1696.7999,"end":1700.48,"sentiment":"neutral","sentiment_score":0.008475464229520998},{"text":"I know it's still very early.","start":1700.48,"end":1701.76,"sentiment":"neutral","sentiment_score":-0.08626791834831238}],"sentiment":"neutral","sentiment_score":0.05148503045950617,"num_words":35,"start":1692.48,"end":1701.76},{"sentences":[{"text":"I hope you had your coffee at least.","start":1701.76,"end":1703.5399,"sentiment":"neutral","sentiment_score":0.05478160968050361},{"text":"That's okay.","start":1706.495,"end":1707.375,"sentiment":"positive","sentiment_score":0.35983042418956757},{"text":"Beautiful.","start":1707.375,"end":1707.875,"sentiment":"positive","sentiment_score":0.7242836356163025},{"text":"I'll go back to Barton to double check the fee structure, make sure that, obviously, if there's any discount he wants to apply, we'll do that for you, and I'll make sure it's reflected in the advice document.","start":1708.495,"end":1718.595,"sentiment":"neutral","sentiment_score":0.2287253490404079},{"text":"Okay?","start":1718.815,"end":1719.315,"sentiment":"neutral","sentiment_score":0.14190168678760529}],"sentiment":"neutral","sentiment_score":0.21431324623525141,"num_words":50,"start":1701.76,"end":1719.315},{"sentences":[{"text":"That's okay.","start":1720.64,"end":1721.38,"sentiment":"positive","sentiment_score":0.6296136975288391},{"text":"I hope you have a really good day, Camilla.","start":1721.6799,"end":1723.86,"sentiment":"positive","sentiment_score":0.7952457732624478},{"text":"No worries.","start":1726.4,"end":1726.96,"sentiment":"neutral","sentiment_score":0.18080779910087585},{"text":"I'll talk to you soon.","start":1726.96,"end":1727.84,"sentiment":"neutral","sentiment_score":0.212649142742157},{"text":"See you later.","start":1727.84,"end":1728.48,"sentiment":"neutral","sentiment_score":0.31060029069582623}],"sentiment":"positive","sentiment_score":0.513004835162844,"num_words":21,"start":1720.64,"end":1728.48},{"sentences":[{"text":"Bye.","start":1728.48,"end":1728.98,"sentiment":"neutral","sentiment_score":0.32419395446777344}],"sentiment":"neutral","sentiment_score":0.32419395446777344,"num_words":1,"start":1728.48,"end":1728.98}]}}]},{"alternatives":[{"transcript":"You called your name and reason for calling. I'll see if this person is available. Thanks, Dana. Please Hello? Good. Thanks. Yep. That's fine. No. Not too bad. Thanks. Yep. That's fine. Camilla Louise Barrett, '16 to the December. Yeah. I can do that. Yes. Okay. Okay. I've received it. Let me have a look. There's something that says sign document. Do I sign this document here? Mhmm. Yep. Yep. You're right. Yeah. No. Yeah. Just occasionally. It is. Yeah. I did forget. Like, I always bring my laptop home, but I didn't bring the charger. So I'm like, oh. Yeah. I've I've got my work phone, but it's hard to do certain things off the phone. Yeah. Says I've got 68% remaining. Yeah. Nothing's coming through yet. Yeah. Yeah. Yes. Fortnightly. Yeah. I'll continue. It is tough. It's just tough with everything, but I'll just continue for now. Yeah. Yep. Yep. Mhmm. Yeah. Yep. No. We'll leave that for now. We'll just yeah. Yeah. Yes, please. Yeah. I don't know. I'm sure I'll never be able to stop working. Yeah. I don't know. Let's just stick with that age for now. Yeah. Sure. No. No. Probably, I mean, it's just ridiculous, and I'm paying rent, and I'm on my own. So, like, you're gonna I don't even know. You're gonna need, like, $2,000 a week, realistically, like, half of that to cover for rent. Or at the moment, it's 7 so $7.30. Seven 40. $7.40. Yeah. I just yeah. No. I've had no increase. Should be about the same. Yep. Just a Mitsubishi Outlander. Oh, I have no idea. I know it's got I know I've got, like, a one year and three months left of payments, and then it's paid off. I have no idea. Would you just say, like, 30 or something? I don't know. What would it be? 02/1967. It's 2022. I did, yeah, I did get the the touring one, which was the top of the range. Yeah. Yeah. Yeah. Let's put that. Well, I don't know. The repayments are 200 a week. So that's 800 a month times 15, whatever that is. Well, in October next year. Yeah. Yeah. No. That'll clear it completely. Yeah. No. I've got a credit card, which just has a $3,000 limit, and then I've got a latitude thing. I think it's got 5,000 on it limit. My kids. Yeah. Yeah. I don't wanna make it more. Mhmm. No. I don't think so. Yeah. Mhmm. Yeah. No. Not really. No. Okay. Not not entirely. No. Yeah. Mhmm. Well, I don't know. I'm a I'll just leave it for now. Mhmm. Yeah. Yeah. No. Yeah. So much to do list. Yeah. Did I? Or or are you asking me? Oh, no. I'm not sure. Yeah. Mhmm. Yeah. Mhmm. No. Just sort of maximizing the amount that I'm putting away. Mhmm. I really have no idea. What do you think? Yeah. Did you did you say did you say did you say 5,000 per year? 80 5. Yeah. It sound like you said 5. I was like, gosh. That's not gonna get me anywhere. I don't know. It's really hard to think right now of yeah. I'm just Yeah. That's fine. Yeah. I'm just going through a messy, messy breakup at the moment, and there's TV and all that. So it's just really hard to think of anything. Thanks. Yeah. Literally. Great. Yep. Yep. It does. Yep. In the meantime, do you want me to sign that text file thingy? Yeah. I'll do it. Okay. No. No. Do I is is he hooking me up with a discount for being his sister? Yeah. Yeah. Right. Yep. Yep. Uh-huh. Yeah. No. That's all. Yeah. Thanks. Thank you. Thank you. Talk to you soon. Alright. Thank you. 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called your name and reason for calling. I'll see if this person is available. Thanks, Dana. Please Hello? Good.\n\nThanks. Yep. That's fine. No. Not too bad.\n\nThanks. Yep. That's fine. Camilla Louise Barrett, '16 to the December. Yeah.\n\nI can do that. Yes. Okay. Okay. I've received it.\n\nLet me have a look. There's something that says sign document. Do I sign this document here? Mhmm. Yep.\n\nYep. You're right. Yeah. No. Yeah.\n\nJust occasionally. It is. Yeah. I did forget. Like, I always bring my laptop home, but I didn't bring the charger.\n\nSo I'm like, oh. Yeah. I've I've got my work phone, but it's hard to do certain things off the phone. Yeah. Says I've got 68% remaining.\n\nYeah. Nothing's coming through yet. Yeah. Yeah. Yes.\n\nFortnightly. Yeah. I'll continue. It is tough. It's just tough with everything, but I'll just continue for now.\n\nYeah. Yep. Yep. Mhmm. Yeah.\n\nYep. No. We'll leave that for now. We'll just yeah. Yeah.\n\nYes, please. Yeah. I don't know. I'm sure I'll never be able to stop working. Yeah.\n\nI don't know. Let's just stick with that age for now. Yeah. Sure. No.\n\nNo. Probably, I mean, it's just ridiculous, and I'm paying rent, and I'm on my own. So, like, you're gonna I don't even know. You're gonna need, like, $2,000 a week, realistically, like, half of that to cover for rent. Or at the moment, it's 7 so $7.30.\n\nSeven 40. $7.40. Yeah. I just yeah. No.\n\nI've had no increase. Should be about the same. Yep. Just a Mitsubishi Outlander. Oh, I have no idea.\n\nI know it's got I know I've got, like, a one year and three months left of payments, and then it's paid off. I have no idea. Would you just say, like, 30 or something? I don't know. What would it be?\n\n02/1967. It's 2022. I did, yeah, I did get the the touring one, which was the top of the range. Yeah. Yeah.\n\nYeah. Let's put that. Well, I don't know. The repayments are 200 a week. So that's 800 a month times 15, whatever that is.\n\nWell, in October next year. Yeah. Yeah. No. That'll clear it completely.\n\nYeah. No. I've got a credit card, which just has a $3,000 limit, and then I've got a latitude thing. I think it's got 5,000 on it limit. My kids.\n\nYeah. Yeah. I don't wanna make it more. Mhmm. No.\n\nI don't think so. Yeah. Mhmm. Yeah. No.\n\nNot really. No. Okay. Not not entirely. No.\n\nYeah. Mhmm. Well, I don't know. I'm a I'll just leave it for now. Mhmm.\n\nYeah. Yeah. No. Yeah. So much to do list.\n\nYeah. Did I? Or or are you asking me? Oh, no. I'm not sure.\n\nYeah. Mhmm. Yeah. Mhmm. No.\n\nJust sort of maximizing the amount that I'm putting away. Mhmm. I really have no idea. What do you think? Yeah.\n\nDid you did you say did you say did you say 5,000 per year? 80 5. Yeah. It sound like you said 5. I was like, gosh.\n\nThat's not gonna get me anywhere. I don't know. It's really hard to think right now of yeah. I'm just Yeah. That's fine.\n\nYeah. I'm just going through a messy, messy breakup at the moment, and there's TV and all that. So it's just really hard to think of anything. Thanks. Yeah.\n\nLiterally. Great. Yep. Yep. It does.\n\nYep. In the meantime, do you want me to sign that text file thingy? Yeah. I'll do it. Okay.\n\nNo. No. Do I is is he hooking me up with a discount for being his sister? Yeah. Yeah.\n\nRight. Yep. Yep. Uh-huh. Yeah.\n\nNo. That's all. Yeah. Thanks. Thank you.\n\nThank you. Talk to you soon. Alright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"You called your name and reason for calling.","start":0.08,"end":2.26,"sentiment":"neutral","sentiment_score":0.008670575683936477},{"text":"I'll see if this person is available.","start":2.32,"end":4.26,"sentiment":"neutral","sentiment_score":0.01712305604347161},{"text":"Thanks, Dana.","start":17.935001,"end":18.915,"sentiment":"positive","sentiment_score":0.33615972101688385},{"text":"Please Hello?","start":19.295,"end":22.035,"sentiment":"neutral","sentiment_score":0.1393711045384407},{"text":"Good.","start":27.135,"end":27.295,"sentiment":"positive","sentiment_score":0.5054872632026672}],"sentiment":"neutral","sentiment_score":0.08228874560445547,"num_words":20,"start":0.08,"end":27.295},{"sentences":[{"text":"Thanks.","start":27.295,"end":27.72,"sentiment":"positive","sentiment_score":0.5897142291069031},{"text":"Yep.","start":33.079998,"end":33.32,"sentiment":"neutral","sentiment_score":0.13648027181625366},{"text":"That's 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$2,000 a week, realistically, like, half of that to cover for rent.","start":609.11,"end":619.065,"sentiment":"neutral","sentiment_score":-0.0696526748361066},{"text":"Or at the moment, it's 7 so $7.30.","start":619.065,"end":629.165,"sentiment":"neutral","sentiment_score":-0.007952262996695936}],"sentiment":"neutral","sentiment_score":-0.16801114110664153,"num_words":48,"start":598.945,"end":629.165},{"sentences":[{"text":"Seven 40.","start":630.36,"end":631.1,"sentiment":"neutral","sentiment_score":-0.002350164926610887},{"text":"$7.40.","start":631.32,"end":632.22,"sentiment":"neutral","sentiment_score":-0.000541013665497303},{"text":"Yeah.","start":633.32,"end":633.56,"sentiment":"neutral","sentiment_score":0.004147659055888653},{"text":"I just 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sure.","start":1263.985,"end":1265.0449,"sentiment":"neutral","sentiment_score":-0.10365527371565501}],"sentiment":"neutral","sentiment_score":-0.03281708434224129,"num_words":14,"start":1250.455,"end":1265.0449},{"sentences":[{"text":"Yeah.","start":1279.5701,"end":1280.0701,"sentiment":"neutral","sentiment_score":-0.029845356941223145},{"text":"Mhmm.","start":1290.045,"end":1290.545,"sentiment":"neutral","sentiment_score":-0.03414264693856239},{"text":"Yeah.","start":1297.0125,"end":1297.5125,"sentiment":"neutral","sentiment_score":0.10657406598329544},{"text":"Mhmm.","start":1334.0,"end":1334.5,"sentiment":"neutral","sentiment_score":0.1751335859298706},{"text":"No.","start":1355.3251,"end":1355.805,"sentiment":"neutral","sentiment_score":-0.1708063781261444}],"sentiment":"neutral","sentiment_score":0.00938265398144722,"num_words":5,"start":1279.5701,"end":1355.805},{"sentences":[{"text":"Just sort of maximizing the amount that I'm putting away.","start":1355.805,"end":1359.75,"sentiment":"neutral","sentiment_score":-0.282757443189621},{"text":"Mhmm.","start":1388.36,"end":1388.86,"sentiment":"neutral","sentiment_score":-0.036231059581041336},{"text":"I really have no idea.","start":1423.89,"end":1425.19,"sentiment":"negative","sentiment_score":-0.5274245798587799},{"text":"What do you think?","start":1425.8099,"end":1426.87,"sentiment":"negative","sentiment_score":-0.35007165372371674},{"text":"Yeah.","start":1451.49,"end":1451.99,"sentiment":"neutral","sentiment_score":0.06332165747880936}],"sentiment":"neutral","sentiment_score":-0.32561396896129563,"num_words":21,"start":1355.805,"end":1451.99},{"sentences":[{"text":"Did you did you say did you say did you say 5,000 per year?","start":1464.395,"end":1469.055,"sentiment":"neutral","sentiment_score":-0.02735993718462331},{"text":"80 5.","start":1471.46,"end":1472.44,"sentiment":"neutral","sentiment_score":-0.03398720268160105},{"text":"Yeah.","start":1472.58,"end":1472.98,"sentiment":"neutral","sentiment_score":-0.021976131945848465},{"text":"It sound like you said 5.","start":1472.98,"end":1474.5,"sentiment":"neutral","sentiment_score":-0.07392895283798377},{"text":"I was like, gosh.","start":1474.5,"end":1475.46,"sentiment":"neutral","sentiment_score":-0.27664709091186523}],"sentiment":"neutral","sentiment_score":-0.07493154587293113,"num_words":27,"start":1464.395,"end":1475.46},{"sentences":[{"text":"That's not gonna get me anywhere.","start":1475.46,"end":1477.08,"sentiment":"negative","sentiment_score":-0.4986325850089391},{"text":"I don't know.","start":1479.7799,"end":1480.26,"sentiment":"negative","sentiment_score":-0.41391197840372723},{"text":"It's really hard to think right now of yeah.","start":1480.26,"end":1483.385,"sentiment":"negative","sentiment_score":-0.5150126351250542},{"text":"I'm just Yeah.","start":1492.3251,"end":1508.0399,"sentiment":"neutral","sentiment_score":0.22640419254700342},{"text":"That's fine.","start":1508.0399,"end":1508.6799,"sentiment":"neutral","sentiment_score":0.1256769448518753}],"sentiment":"negative","sentiment_score":-0.3451338562628497,"num_words":23,"start":1475.46,"end":1508.6799},{"sentences":[{"text":"Yeah.","start":1508.6799,"end":1509.1799,"sentiment":"neutral","sentiment_score":0.04946503043174744},{"text":"I'm just going through a messy, messy breakup at the moment, and there's TV and all that.","start":1509.24,"end":1515.9551,"sentiment":"neutral","sentiment_score":-0.20228705095017657},{"text":"So it's just really hard to think of anything.","start":1515.9551,"end":1518.535,"sentiment":"negative","sentiment_score":-0.36275970935821533},{"text":"Thanks.","start":1523.635,"end":1524.135,"sentiment":"neutral","sentiment_score":0.1860036998987198},{"text":"Yeah.","start":1526.035,"end":1526.355,"sentiment":"neutral","sentiment_score":-0.01607901230454445}],"sentiment":"neutral","sentiment_score":-0.22359750111555232,"num_words":29,"start":1508.6799,"end":1526.355},{"sentences":[{"text":"Literally.","start":1526.355,"end":1526.855,"sentiment":"neutral","sentiment_score":-0.035079218447208405},{"text":"Great.","start":1542.355,"end":1542.855,"sentiment":"neutral","sentiment_score":0.049832992255687714},{"text":"Yep.","start":1543.715,"end":1544.215,"sentiment":"neutral","sentiment_score":-0.18791578710079193},{"text":"Yep.","start":1547.235,"end":1547.735,"sentiment":"neutral","sentiment_score":0.04337397217750549},{"text":"It does.","start":1548.355,"end":1548.995,"sentiment":"neutral","sentiment_score":0.15082348883152008}],"sentiment":"neutral","sentiment_score":0.028643156091372173,"num_words":6,"start":1526.355,"end":1548.995},{"sentences":[{"text":"Yep.","start":1548.995,"end":1549.495,"sentiment":"neutral","sentiment_score":0.08268395066261292},{"text":"In the meantime, do you want me to sign that text file thingy?","start":1549.6349,"end":1553.335,"sentiment":"neutral","sentiment_score":0.07784468967180985},{"text":"Yeah.","start":1556.355,"end":1556.755,"sentiment":"neutral","sentiment_score":0.15990960597991943},{"text":"I'll do it.","start":1556.755,"end":1557.6549,"sentiment":"neutral","sentiment_score":0.1389926771322886},{"text":"Okay.","start":1620.29,"end":1620.79,"sentiment":"neutral","sentiment_score":0.01320634689182043}],"sentiment":"neutral","sentiment_score":0.08867152108761825,"num_words":19,"start":1548.995,"end":1620.79},{"sentences":[{"text":"No.","start":1622.53,"end":1622.93,"sentiment":"neutral","sentiment_score":-0.12580792605876925},{"text":"No.","start":1622.93,"end":1623.43,"sentiment":"neutral","sentiment_score":-0.12492071092128754},{"text":"Do I is is he hooking me up with a discount for being his sister?","start":1623.605,"end":1627.385,"sentiment":"neutral","sentiment_score":-0.10252604857087136},{"text":"Yeah.","start":1631.845,"end":1632.345,"sentiment":"neutral","sentiment_score":-0.002942606806755066},{"text":"Yeah.","start":1633.685,"end":1634.185,"sentiment":"neutral","sentiment_score":0.05591624230146408}],"sentiment":"neutral","sentiment_score":-0.09134977526570622,"num_words":19,"start":1622.53,"end":1634.185},{"sentences":[{"text":"Right.","start":1651.3049,"end":1651.8049,"sentiment":"neutral","sentiment_score":0.10745931416749954},{"text":"Yep.","start":1651.945,"end":1652.445,"sentiment":"neutral","sentiment_score":0.1125403642654419},{"text":"Yep.","start":1694.24,"end":1694.74,"sentiment":"neutral","sentiment_score":0.19162818789482117},{"text":"Uh-huh.","start":1702.405,"end":1702.905,"sentiment":"neutral","sentiment_score":0.03356076031923294},{"text":"Yeah.","start":1704.405,"end":1704.725,"sentiment":"neutral","sentiment_score":0.02303667739033699}],"sentiment":"neutral","sentiment_score":0.09364506080746651,"num_words":5,"start":1651.3049,"end":1704.725},{"sentences":[{"text":"No.","start":1704.725,"end":1704.965,"sentiment":"neutral","sentiment_score":-0.09016646444797516},{"text":"That's all.","start":1704.965,"end":1705.785,"sentiment":"neutral","sentiment_score":-0.04168632905930281},{"text":"Yeah.","start":1707.765,"end":1708.265,"sentiment":"positive","sentiment_score":0.37135568261146545},{"text":"Thanks.","start":1719.35,"end":1719.85,"sentiment":"positive","sentiment_score":0.6384086012840271},{"text":"Thank you.","start":1720.0701,"end":1720.89,"sentiment":"positive","sentiment_score":0.7035431861877441}],"sentiment":"neutral","sentiment_score":0.3204730762434857,"num_words":7,"start":1704.725,"end":1720.89},{"sentences":[{"text":"Thank you.","start":1724.39,"end":1725.03,"sentiment":"positive","sentiment_score":0.740041583776474},{"text":"Talk to you soon.","start":1725.03,"end":1726.0901,"sentiment":"positive","sentiment_score":0.4809875190258026},{"text":"Alright.","start":1727.43,"end":1727.93,"sentiment":"neutral","sentiment_score":0.15905889868736267},{"text":"Thank you.","start":1728.23,"end":1728.79,"sentiment":"positive","sentiment_score":0.6076054871082306},{"text":"Bye.","start":1728.79,"end":1729.29,"sentiment":"neutral","sentiment_score":-0.11257987469434738}],"sentiment":"positive","sentiment_score":0.46657232418656347,"num_words":10,"start":1724.39,"end":1729.29}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You called your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Dana, OQ Financial, annual review.\n\nChannel 1: Thanks, Dana. Please Hello?\n\nChannel 0: Hi, Camilla. This is Dana from Okie Financial. How are you this morning?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. I had you booked in to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Oh, fantastic. And how's your morning been so far?\n\nChannel 1: No. Not too bad. Thanks.\n\nChannel 0: That's good. Camilla, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Fantastic. And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Camilla Louise Barrett, '16 to the\n\nChannel 0: Yep.\n\nChannel 1: December.\n\nChannel 0: Yep. Beautiful. Fantastic. So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those?\n\nChannel 1: Yeah. I can do that.\n\nChannel 0: Yeah. That's okay. So we normally just send through some annual review documents to you via email for you to look at. That way you can sort of see the documents that I'm going through and have a\n\nChannel 1: Yes.\n\nChannel 0: look at them as well. I'll just press send on that one. Hopefully, it\n\nChannel 1: Okay.\n\nChannel 0: comes through fairly quickly for you. All good. Now it has gone through there. It'll come through from Odoo sign there for you and possibly from my email saying that Odoo Financial dot com dot a u. Beautiful.\n\nChannel 1: Okay. I've received it. Let me have a look.\n\nChannel 0: Fantastic. So with that one there, if you just have a look at the main email and just scroll down just slightly, there should be some attachments there. If they're not, it looks like the attachments might have dropped off, but\n\nChannel 1: There's something that says sign document.\n\nChannel 0: yeah. That'll be a task file opt in form. It looks like oh, sorry. It looks like the attachment dropped off the email. That's okay.\n\nI can just quickly shoot them through to you separately.\n\nChannel 1: Do I sign this\n\nChannel 0: My\n\nChannel 1: document here?\n\nChannel 0: not just yet. So with that document there, just to let you know, it is a tax file consent form. So we essentially send that out and get everyone just to confirm to see you're aware we do hold your tax file number. If at any\n\nChannel 1: Mhmm.\n\nChannel 0: point you're, you know, concerned or unsure with that, just let us know. But, essentially, the idea is because we set up your super fund, we do need to make sure we do hold a copy of tax phone number for that purpose. So we just like to make sure that you're aware of that, obviously, the circumstances around that, and also just making sure that, you know, you're aware of the security around that sort of thing because it is very sensitive information. Okay? Beautiful.\n\nIt looks like the attachments just dropped off as that came through. It said here the file was slightly too large. So I'm just gonna reattach those attachments to another email for you\n\nChannel 1: Yep.\n\nChannel 0: and just\n\nChannel 1: Yep.\n\nChannel 0: send that through separately. Sorry about that.\n\nChannel 1: You're right.\n\nChannel 0: Beautiful. Okay. There we go. And you're working from home this morning. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Oh, fantastic. Do you work from home very often or just a\n\nChannel 1: No.\n\nChannel 0: a once off here and there?\n\nChannel 1: Yeah.\n\nChannel 0: No?\n\nChannel 1: Just occasionally.\n\nChannel 0: Yeah. Oh, it's good to be able to work from home on a chilly morning.\n\nChannel 1: It is. Yeah. I did forget. Like, I always bring my laptop home, but I didn't\n\nChannel 0: Oh,\n\nChannel 1: bring the charger. So I'm like, oh.\n\nChannel 0: no. Hopefully, it survives the day for you.\n\nChannel 1: Yeah. I've I've got my work phone, but it's hard to do certain things off the phone.\n\nChannel 0: Yeah. Much smaller screen there, isn't it?\n\nChannel 1: Yeah. Says I've got 68% remaining.\n\nChannel 0: Wow. Well, hopefully, that lasts for you. I just\n\nChannel 1: Yeah.\n\nChannel 0: sent that separate email there with the attachments documents. I do apologize that they dropped off. It just came back saying file too large. So I've just snip it a few of the ones that you I need to send through to you. That way you've got those there.\n\nOkay. Hopefully, it pops through fairly quickly for you.\n\nChannel 1: Nothing's coming through yet.\n\nChannel 0: No. That's okay. If you like, because you're working today, I can just run through the documents. You're welcome to have a bit of a look once they do through. Also, just\n\nChannel 1: Yeah.\n\nChannel 0: check your junk mailbox as well. Sometimes I get redirected through the junk. That's not a problem at all. But I do have the reports in front. So one of the things that we were looking at was when you came on board, originally, we have placed you into one of the cheapest super funds within Hub 24 there to kinda get your balance growing.\n\nAnd now you're just under that $100,000 mark. So it's about looking at whether we provide additional advice and move you into a more sophisticated portfolio and kind of keep things building and growing towards your retirement goals.\n\nChannel 1: Yeah.\n\nChannel 0: When I do have a look back at this time last year, your balance then was about $64,003.54 and 61¢ then.\n\nChannel 1: Yes.\n\nChannel 0: Looking at your balance now, you've got a total balance in there currently of, sorry, $94,003.92 and 25¢. So you have seen a lovely increase there over the last twelve months. Obviously, your contributions are going in. You're still salary sacrificing quite a good amount at $500 on a weekly basis. Is that right?\n\nChannel 1: Fortnightly.\n\nChannel 0: Fortnightly. No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry about that. Beautiful. And you're happy doing that. Is there any sort of concerns around the the difference in income or your take home pay? You're sort of happy continuing with that salary sacrifice?\n\nChannel 1: I'll continue. It is tough. It's just tough with\n\nChannel 0: Yeah.\n\nChannel 1: everything, but I'll just continue for now.\n\nChannel 0: Yeah. That's okay. We could always look to reduce that back a little bit if you are finding your take home pay is a little bit tight. It's understandable. The cost of living is extremely high.\n\nBut if you're\n\nChannel 1: Yeah.\n\nChannel 0: happy to continue with doing that for the moment, that's absolutely fine.\n\nChannel 1: Yep.\n\nChannel 0: With your returns, when we look at returns, we're looking at essentially the income that's being produced out of the super fund as well as any additional growth as a\n\nChannel 1: Yep.\n\nChannel 0: whole after any admin fees within the fund. You've made 12.18% for the year. So it is a good solid return. You've seen some really good growth in your super fund there.\n\nChannel 1: Mhmm.\n\nChannel 0: And, you know, if you're depending on what you sort of open to, I know you sort of had emailed through wanting to have a bit of a look at your super and look at whether it's worth making any alterations or changes there. We could, if you're comfortable, go back to the drawing board, have a look at the investment that you're in, and look at maybe updating the super fund and the investments to see if we can get some greater growth moving forward. Does that sound like something you're open to? Or\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. Did you want me to, as part of looking at this scenario, keep that salary sacrifice to the $500 per fortnight? Or did you wanna maybe just bring it back a little bit knowing that your income's a little bit tight with with the extra money going into sleep. What do you wanna do, Camilla?\n\nChannel 1: No. We'll leave that for now.\n\nChannel 0: We'll leave it.\n\nChannel 1: We'll\n\nChannel 0: Not\n\nChannel 1: just\n\nChannel 0: a problem\n\nChannel 1: yeah.\n\nChannel 0: at all. Yeah. That's absolutely fine. Hopefully, we get a little bit of release. All good.\n\nSo you as I mentioned, your balance at the moment is $94,003.92 and 25¢. Having a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole. So Hub twenty four has essentially, it is the super fund, but it does have different different stages to the fund where, at the moment, you're in the discovery option, which is the cheapest version of the fund. In order to have different investments and to open up different investment menus, we do have to look at the super fund and maybe move you into a different component of hub twenty four. So they have\n\nChannel 1: Yeah.\n\nChannel 0: the three different investment options, and the different investment options give us access to different investments. Are you happy with me looking at hub twenty four at the super fund as a whole and working out how best to structure the investments for you in\n\nChannel 1: Yes,\n\nChannel 0: any way\n\nChannel 1: please.\n\nChannel 0: that works better. Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Beautiful. Lovely. And when you think towards about, you know, your goals and what you're tracking for when you would like to realistically retire, when I kind of look back to when you came on board originally and Bart had done up the advice for you, we were tracking forward to, I believe, around about age 65. Are you changing that?\n\nAre you still comfortable with that? When do you realistically wanna be able to stop working?\n\nChannel 1: I don't know. I'm sure I'll never be able to stop working.\n\nChannel 0: Oh, I hope not. We wanna make sure you can.\n\nChannel 1: Yeah. I don't know. Let's just stick with that age for now.\n\nChannel 0: Yeah. 65, not a problem at all. If that ever does change, we can alter the advice. It's not a problem at all. I'll just track forward to see what 65 looks like.\n\nDid\n\nChannel 1: Yeah.\n\nChannel 0: you want me to look at maybe as an alternative option, 60 as well just to see where you're tracking for it, 60 as well as 65 to give you that option?\n\nChannel 1: Sure.\n\nChannel 0: Yep. 60 and 65. Beautiful. Excellent. And now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement?\n\nHave you sort of thought about what comfortable income you'd like to live on when you get to that point?\n\nChannel 1: No. No. Probably, I mean, it's just ridiculous, and I'm paying rent, and I'm on my own. So, like, you're gonna\n\nChannel 0: Yeah.\n\nChannel 1: I don't even know. You're gonna need, like, $2,000 a week, realistically,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: How\n\nChannel 1: half\n\nChannel 0: much\n\nChannel 1: of that\n\nChannel 0: is\n\nChannel 1: to cover\n\nChannel 0: yeah. And\n\nChannel 1: for\n\nChannel 0: how much rent are you paying at the moment?\n\nChannel 1: rent. Or at the moment, it's 7 so $7.30.\n\nChannel 0: $7.30?\n\nChannel 1: Seven 40. $7.40.\n\nChannel 0: $7.40? Yeah. Is that\n\nChannel 1: Yeah.\n\nChannel 0: per\n\nChannel 1: I just\n\nChannel 0: week?\n\nChannel 1: yeah.\n\nChannel 0: Yep. Okay. Beautiful. And income wise, we had you earning about 85,000 per annum last year. Is that about the same, or have you had an increase on that recently?\n\nChannel 1: No. I've had no increase.\n\nChannel 0: Nope.\n\nChannel 1: Should\n\nChannel 0: That's\n\nChannel 1: be\n\nChannel 0: okay.\n\nChannel 1: about\n\nChannel 0: It's\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: same.\n\nChannel 0: same income. Yep. Absolutely fine. And I've got you still working for MMT care in health care?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Having a look at other assets, the only thing I had noted here was your car. What kind of vehicle do you drive?\n\nChannel 1: Just a Mitsubishi Outlander.\n\nChannel 0: Oh, beautiful. It's a great car. Beautiful. And I had an asset value on that of about 50,000 last time. I think that's some sort of when you came on board originally.\n\nHave you if you had to sell that vehicle tomorrow, what kind of value is it to you? What value would you put on it?\n\nChannel 1: Oh, I have no idea. I know it's\n\nChannel 0: That's\n\nChannel 1: got\n\nChannel 0: okay.\n\nChannel 1: I know I've got, like, a one year and three months left of payments, and then it's paid off.\n\nChannel 0: Yep.\n\nChannel 1: I have no idea. Would you just\n\nChannel 0: That's\n\nChannel 1: say,\n\nChannel 0: alright.\n\nChannel 1: like, 30 or something? I don't know.\n\nChannel 0: Yeah. That's okay. We can absolutely put that on there. What year model is it?\n\nChannel 1: What would it be? 02/1967. It's 2022.\n\nChannel 0: Yeah. Beautiful. I'm just having a quick look at some of the tools I have to see what sort of average value\n\nChannel 1: I did,\n\nChannel 0: it might be.\n\nChannel 1: yeah, I did get the the touring one, which\n\nChannel 0: Yeah.\n\nChannel 1: was\n\nChannel 0: Perfect. So that would definitely be holding its value a\n\nChannel 1: the\n\nChannel 0: lot more.\n\nChannel 1: top\n\nChannel 0: Touring.\n\nChannel 1: of the range.\n\nChannel 0: Okay. So it's saying here that estimated current value is between 31,500 to 38,300. Does that feel fairly accurate for you if you had to sell that that's sort of what you'd wanna would get for it?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Did you want me to put the 38 down there for you? It's probably holding its value quite nicely.\n\nChannel 1: Yeah. Let's put that.\n\nChannel 0: Yep. Beautiful. And you mentioned you've nearly paid that off as well. I had here that your loan was about 35,000. How much do you have left on that one to pay?\n\nChannel 1: Well, I don't know. The repayments are 200 a week. So\n\nChannel 0: Okay.\n\nChannel 1: that's 800 a month times 15, whatever that is.\n\nChannel 0: Yep. That's absolutely fine. I can work that out for you as an estimate. And you mentioned it should all be paid off in a few months?\n\nChannel 1: Well, in October next year.\n\nChannel 0: Oh, okay. October next year.\n\nChannel 1: Yeah.\n\nChannel 0: So a little over a year to go. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Beautiful. And do you have any kind of balloon payment that you'll need to make at the end of that, or would that clear the loan completely?\n\nChannel 1: No. That'll clear it completely.\n\nChannel 0: Oh, that's good. You've got some you're close to having it all paid off and owning it outright.\n\nChannel 1: Yeah.\n\nChannel 0: Looking at any other assets you do have, do you have any other cars, boats, caravans, or anything else of value that you'd note down?\n\nChannel 1: No.\n\nChannel 0: No. That's absolutely fine. Do you have any other personal loans, credit cards, or anything else debt wise that we should note down for you?\n\nChannel 1: I've got a credit card, which just has\n\nChannel 0: Yep.\n\nChannel 1: a $3,000 limit, and then\n\nChannel 0: Yep.\n\nChannel 1: I've got a latitude thing. I think it's got 5,000 on it limit.\n\nChannel 0: Okay. Beautiful. Another 2 and 5,000 limit. Beautiful. Thank you for updating all those details there for me.\n\nNow the other thing we do wanna have a look at is the insurance side of things. So I know when you came on board originally having a look at things, we retained your level of cover, but we had reduced it down to about a million dollars. So since going, going to that reduction, your life in TBD cover has gone back through renewal. And as it goes through a renewal every year, the sum insured actually continues to increase back a little bit, and it means that the policy does get more expensive again over time. Your current life and TBD sum insured is 1,102,500.\n\nGiven that you are realistically debt free, minus that little bit you low owe on the car there, in the event of, say, a life event, if you were to pass away, we hope nothing happens. But if that was to occur, obviously, the 1,102,500 is paid out, but then your super benefit can be paid out on top of that. Where was it that you were wanting that to go? Who are you wanting it to be paid to?\n\nChannel 1: My kids.\n\nChannel 0: Your kids? Lovely. And I've got the beneficiary nominated here as, we've got, sorry, Amber, Cooper, Jack, and Nate. Is that right? 25% to each?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Lovely. And the level of cover, that 1,102,500, do you feel like that's appropriate? Did you wanna look at reviewing that amount at all? Are you happy just to keep it as is?\n\nChannel 1: Yeah. I don't wanna make it more.\n\nChannel 0: No. Absolutely not. And with the TBD, so total permanent disability pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. You have the same level of PPD as you do have life, so that 1,102,500. In the event of a PPD claim as well, we can also claim against your super.\n\nSo it does release the super to you as well.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm not sure if anyone's kind of made mention before, but I do like to confirm, TBD, if you do claim it and you're under the age of 60, is actually a taxable payment, and the tax can be up to 22%. In the event of a claim, we would help you with the claim, and we also provide additional advice on how to limit the amount of tax there. But just knowing that that is an option, and there is tax depending on the claim and when the claim is made, Do you feel like that same level of TBD is appropriate? Did you wanna look at reviewing that in any way, and did you have any questions around TBD?\n\nChannel 1: No. I don't think so.\n\nChannel 0: It's a really unfair system, unfortunately. I definitely disagree that anyone who's TBD, if you're permanently incapacitated or disabled, the last thing the government should be doing is taxing that money. But,\n\nChannel 1: Yeah.\n\nChannel 0: unfortunately, it does happen. So I just like to make sure I'm giving you a little bit of information around how that works. If at any point you ever wanted to look at the TBD or the life cover or anything like that, let me know. I'm more than happy to. However,\n\nChannel 1: Mhmm.\n\nChannel 0: at the amount you do have, it is quite good. I think one of the biggest things with TBD is just making sure that it, you know, realistically could cover the amount of money you have because one of the biggest things I do find or have found in the past is where TBD has been claimed, the client is able to take either a lump sum payment or an income stream and keep the money invested. But that money needs to be sufficient to last you longevity. So replace your income or, you know, give you a a certain standard of living basically right through retirement as well. So it's just about making sure that level of cover is sufficient for you.\n\nBut you're comfortable with what you've got at the moment? Yes. That's okay. Do you have any questions about the two types of cover you have, how they work, or anything around those?\n\nChannel 1: Yeah. No. Not really.\n\nChannel 0: No. That's okay. Now looking at things, you don't have any income protection or trauma insurances. Do you understand what those types of cover are, how they work? Or\n\nChannel 1: No. Okay. Not not entirely. No.\n\nChannel 0: no. That's okay. So income protection can pay out a lump so any a monthly benefit in the event that you're unable to go to work in the short term. It can be one of the most expensive types cover that we do get because it's the first net we do tend to claim. Not having any income protection does mean that in the event that you're unable to go to work, you just need to be able to fall back on long service leave, sick leave, annual leave, have savings behind you, or some sort of income replacement.\n\nIf you don't have access to that amount of money through, you know, your own savings, then, obviously, Centrelink is an option if you're eligible\n\nChannel 1: Yeah.\n\nChannel 0: there as well. Obviously, if you did wanna look at getting income protection, it is important to note that we would have to go through an application, assess your health, and look at what kind of terms would be applied. And the premiums can be a little bit more expensive if you're paying for it out of super can have an effect on your retirement as well because the amount paying paid out of super does reduce, you know, your retirement income at the end of things. But it's up to you. It's also gotta be important to you.\n\nAnd if having some sort of income replacement is important, then it's our job to make that happen for you. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you have any thoughts about income protection? Is it important to look at, or you're comfortable not having it? How do you sort of feel about that?\n\nChannel 1: Well, I don't know. I'm a I'll just leave it for now.\n\nChannel 0: Yep. That's absolutely fine. There are other types of insurances, but, I mean, we can essentially insure ourselves at the end of the world. You look at everything out there that you can insure for. You\n\nChannel 1: Mhmm.\n\nChannel 0: can also get other insurances like trauma, which pays out a lump sum benefit in the event that you're diagnosed with, say, a major medical condition like cancer, Parkinson's, heart attack, stroke, things like that. Trauma is an out of pocket expense. You can't hold it inside super like you can the other covers. Just double checking. You're happy just to forego anything additional for the moment.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. I just wanna make sure that you're aware of the options and let you make the decision as to what's important to you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. All good. Now the other thing, I can see your beneficiaries are in place here, and we've confirmed that they're as you would like them, which is fantastic. With regard to your other estate planning side of things, I can see here that you had had a will in the past. Is your will still up to date and reflect your current circumstances?\n\nChannel 1: No.\n\nChannel 0: No. It needs to be updated.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's\n\nChannel 1: So much\n\nChannel 0: okay.\n\nChannel 1: to\n\nChannel 0: Do\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: list.\n\nChannel 0: have oh, absolutely. It's on a lot of our to do list.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know did your past will also account for a power of attorney?\n\nChannel 1: Did I? Or or are you asking me?\n\nChannel 0: Yeah. Do you know if\n\nChannel 1: Oh,\n\nChannel 0: it also\n\nChannel 1: no.\n\nChannel 0: had a power of attorney in place?\n\nChannel 1: I'm not sure.\n\nChannel 0: No. That's okay. That's okay. It is absolutely something to have a chat to a solicitor about. So if you've got a local solicitor that has done your will in the past that you're comfortable with, definitely having it updated is very important and making sure you have a power of attorney in place.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, a power of attorney is someone that you've chosen to make medical and or financial decisions if you're unable to to say, as an example, you have a car accident and,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, you're medically incapacitated for a period of time in a coma or something, that power of attorney can then be enacted\n\nChannel 1: Yeah.\n\nChannel 0: where someone can follow your direction and make decisions for you as per your wishes. It sort of makes it a lot more it kind of puts a lot of things into perspective. It is a hard conversation to have with loved ones when you're picking a power of attorney. It doesn't have to be one person. You can have three.\n\nI know my mom has myself and my siblings as co power of attorney, so we all have to make that decision together. So it can always you know, it doesn't have to be one person, but it's just about making sure that all those things outside of your super and your life insurance are also covered, and having a will and power of attorney in place does that for you. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Excellent. Basically, that's everything I kind of needed to go through. Do you have any other goals over the next one, two, three, five years that you're looking to sort of achieve or anything else that you're wanting to, you know, focus on aside from super?\n\nChannel 1: No. Just sort of\n\nChannel 0: No?\n\nChannel 1: maximizing the amount that I'm putting away.\n\nChannel 0: Yeah. Absolutely. So just to sort of make sure I have everything correct there, I'm gonna go back. I'll do some research on the the current super fund you have, the investment that you're currently in, how that's been performing. I'll look at the other options within Hub twenty four and any other super funds out there to make sure you're in the best fund possible.\n\nLook at, obviously, the portfolio, any other portfolios that we do have access to and sort of make sure that, you know, things are working as hard as possible for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And we'll keep those contributions at the same level for the time being with that salary sacrifice there. We're working towards essentially an age of 65. Income wise, you weren't really sure about what income you'd like to sort of focus on in retirement because I am projecting out and looking at what we're able to achieve and how we can get things working harder for you. Would you just like me to look at maybe replacing your current income in retirement, or do you feel like you wanna focus on that $2,000 a week to sort of see how things project out? What do you what would be more important to you?\n\nChannel 1: I really have no idea. What do you think?\n\nChannel 0: Well, if you like, I could look at the replacement of your current income so I can project that and sort of say, well, in retirement, if you're able to replace your current income, this is sort of what this might look like and sort of work on that as a goal in saying that goals can change. So in another six to twelve months or a couple of years, you might say that's that's different and we can change it. It's fine. But it's just\n\nChannel 1: Yeah.\n\nChannel 0: sort of giving me something to project out to now and and a base for a goal now. Do you think 85,000 per year in retirement would be fairly comfortable for you, or do you think you wanna maybe have a little bit more\n\nChannel 1: Did\n\nChannel 0: for\n\nChannel 1: you did\n\nChannel 0: spending\n\nChannel 1: you say\n\nChannel 0: and enjoyment?\n\nChannel 1: did you say did you say 5,000 per year?\n\nChannel 0: 85,000 per year.\n\nChannel 1: 80\n\nChannel 0: Sorry.\n\nChannel 1: 5. Yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: sound like you said 5. I was like, gosh. That's not gonna get me anywhere.\n\nChannel 0: No. It's definitely not.\n\nChannel 1: I don't know. It's really hard to think right now of yeah.\n\nChannel 0: Yep. That's okay. I can\n\nChannel 1: I'm\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: work on your current income just to sort of project things out, and we can update the advice. I can show you what the advice recommendations are, where we're tracking, what we're looking towards. And then, you know, you can always tell me that you don't like that or you're not comfortable with that, and we can go back to the drawing board.\n\nChannel 1: Yeah. That's fine. Yeah. I'm\n\nChannel 0: Yeah.\n\nChannel 1: just going\n\nChannel 0: That's\n\nChannel 1: through\n\nChannel 0: okay.\n\nChannel 1: a messy, messy breakup at the moment, and there's\n\nChannel 0: Oh, I'm so sorry.\n\nChannel 1: TV and all that. So it's just really hard to think of anything.\n\nChannel 0: Oh, absolutely. I'm so, so sorry that you're going through that, Camilla. Yeah. Of course.\n\nChannel 1: Thanks.\n\nChannel 0: There's a lot going on in your life. Well, what I'll\n\nChannel 1: Yeah.\n\nChannel 0: do if\n\nChannel 1: Literally.\n\nChannel 0: you like, I'll, yeah, I'll have a look at replacing your current income. I'll look at your super. I'll make sure your beneficiaries are in line with your wishes. I'll retain your insurances, and I'll look at projecting things out to make sure you're working and tracking towards your retirement goal. We'll\n\nChannel 1: Great.\n\nChannel 0: start there, and then\n\nChannel 1: Yep.\n\nChannel 0: we can always go back to the drawing board if you're not comfortable. Okay? Does\n\nChannel 1: Yep.\n\nChannel 0: that sound alright?\n\nChannel 1: It does.\n\nChannel 0: Yep.\n\nChannel 1: Yep. In the meantime, do you want me to sign that text file thingy?\n\nChannel 0: If you could, that would be fantastic. Yeah.\n\nChannel 1: Yeah. I'll\n\nChannel 0: Now\n\nChannel 1: do it.\n\nChannel 0: the other thing, you're right, the other thing I just wanted to sort of talk about now when Bart brought you on board, he obviously wasn't charging an ongoing service fee because your balance was lower. The idea is he wanted to get your super working hard to get your balance a bit higher. But moving into a more sophisticated platform with, you know, more sophisticated investments that are working hard, it does mean we need to review them a lot more often. So at some point, I do need to turn on our ongoing service fee. At the moment, the ongoing service fee is 1.65% per annum.\n\nIt is deducted from your super fund on a monthly basis in smaller monthly increments. As part of the advice, I'll show you what that looks like. We wanna make sure, obviously, your super is working, and we can't charge a fee for our services if your super isn't working harder and, you know, making that money. But I do need to obviously make sure I do put that on at some point. And it looks like this year with updating the advice and moving things around a bit, we're gonna have to do that.\n\nDo you have any questions? Does that make sense? And is there any\n\nChannel 1: Okay.\n\nChannel 0: kind of concerns around that? Yeah.\n\nChannel 1: No. No. Do I is is he hooking me up with a discount for being his sister?\n\nChannel 0: I will absolutely ask him what he wants to do with that. I just have to\n\nChannel 1: Yeah.\n\nChannel 0: disclose what the full fee is, and\n\nChannel 1: Yeah.\n\nChannel 0: I'll make sure I kinda come back and see what Bart wants to do with that. But I'll I'll essentially put that in the advice document for you and let you know essentially what that looks like, how it affects your super moving forward, and then we'll make sure we keep reviewing things to keep you on track. Is that okay?\n\nChannel 1: Right. Yep.\n\nChannel 0: Yes. And I do apologize. I wasn't aware that you're about the system. So sorry. It's all good.\n\nBut now look, honestly, I look after everyone exactly the same. Every client is just as important. I'll look after you no different. We just wanna make sure your super is working harder for you. And, again, I'm very sorry for everything that you're going through.\n\nWe'll take it slow. I'll look at your super, the investments, how everything's projecting out. I'll show you the advice document with everything laid out in it, then you get to take it away and read it the same as you did with the original. And then you get to tell me whether you like it, whether you don't, any changes you wanna make, and we'll keep reviewing things to make sure your super is working harder for you. Does that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Do you have any questions? Is there anything else that you think I may not have touched on that might be important to you? I know it's still very early. I hope you had your\n\nChannel 1: Uh-huh.\n\nChannel 0: coffee at least.\n\nChannel 1: Yeah. No. That's all.\n\nChannel 0: That's okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: I'll go back to Barton to double check the fee structure, make sure that, obviously, if there's any discount he wants to apply, we'll do that for you, and I'll make sure it's reflected in the advice document. Okay?\n\nChannel 1: Thanks. Thank you.\n\nChannel 0: That's okay. I hope you have a really good day, Camilla.\n\nChannel 1: Thank you. Talk to you soon.\n\nChannel 0: No worries. I'll talk to you\n\nChannel 1: Alright.\n\nChannel 0: soon. See you later.\n\nChannel 1: Thank you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"You called your name and reason for calling.","start":0.08,"end":2.26,"sentiment":"neutral","sentiment_score":0.008670575683936477},{"text":"I'll see if this person is available.","start":2.32,"end":4.26,"sentiment":"neutral","sentiment_score":0.01712305604347161}],"sentiment":"neutral","sentiment_score":0.012615066518386205,"channel":1,"num_words":15,"start":0.08,"end":4.26},{"sentences":[{"text":"Dana, OQ Financial, annual review.","start":8.16,"end":10.82,"sentiment":"neutral","sentiment_score":0.04261795505881309}],"sentiment":"neutral","sentiment_score":0.04261795505881309,"channel":0,"num_words":5,"start":8.16,"end":10.82},{"sentences":[{"text":"Thanks, Dana.","start":17.935001,"end":18.915,"sentiment":"positive","sentiment_score":0.33615972101688385},{"text":"Please Hello?","start":19.295,"end":22.035,"sentiment":"neutral","sentiment_score":0.1393711045384407}],"sentiment":"neutral","sentiment_score":0.23776541277766228,"channel":1,"num_words":4,"start":17.935001,"end":22.035},{"sentences":[{"text":"Hi, Camilla.","start":23.135,"end":23.855,"sentiment":"neutral","sentiment_score":0.11914794892072678},{"text":"This is Dana from Okie Financial.","start":23.855,"end":25.455,"sentiment":"neutral","sentiment_score":0.14782030383745828},{"text":"How are you this morning?","start":25.455,"end":26.595001,"sentiment":"neutral","sentiment_score":0.20015433430671692}],"sentiment":"neutral","sentiment_score":0.16353764556921446,"channel":0,"num_words":13,"start":23.135,"end":26.595001},{"sentences":[{"text":"Good.","start":27.135,"end":27.295,"sentiment":"positive","sentiment_score":0.5054872632026672},{"text":"Thanks.","start":27.295,"end":27.72,"sentiment":"positive","sentiment_score":0.5897142291069031}],"sentiment":"positive","sentiment_score":0.5476007461547852,"channel":1,"num_words":2,"start":27.135,"end":27.72},{"sentences":[{"text":"That's good.","start":28.34,"end":28.82,"sentiment":"positive","sentiment_score":0.5967614054679871},{"text":"I had you booked in to go through your annual review.","start":28.82,"end":30.82,"sentiment":"neutral","sentiment_score":0.31014480915936554},{"text":"Is now still a good time there for you?","start":30.82,"end":32.68,"sentiment":"neutral","sentiment_score":0.26403141849570805}],"sentiment":"neutral","sentiment_score":0.31733629446138034,"channel":0,"num_words":22,"start":28.34,"end":32.68},{"sentences":[{"text":"Yep.","start":33.079998,"end":33.32,"sentiment":"neutral","sentiment_score":0.13648027181625366},{"text":"That's fine.","start":33.32,"end":34.22,"sentiment":"neutral","sentiment_score":0.21626703441143036}],"sentiment":"neutral","sentiment_score":0.1896714468797048,"channel":1,"num_words":3,"start":33.079998,"end":34.22},{"sentences":[{"text":"Oh, fantastic.","start":34.66,"end":35.559998,"sentiment":"positive","sentiment_score":0.5088506042957306},{"text":"And how's your morning been so far?","start":35.7,"end":37.64,"sentiment":"neutral","sentiment_score":0.23893902131489345}],"sentiment":"neutral","sentiment_score":0.2989193730884128,"channel":0,"num_words":9,"start":34.66,"end":37.64},{"sentences":[{"text":"No.","start":38.12,"end":38.36,"sentiment":"neutral","sentiment_score":0.16980217397212982},{"text":"Not too bad.","start":38.36,"end":39.16,"sentiment":"neutral","sentiment_score":0.20660224060217539},{"text":"Thanks.","start":39.16,"end":39.66,"sentiment":"positive","sentiment_score":0.4475046396255493}],"sentiment":"neutral","sentiment_score":0.24742270708084108,"channel":1,"num_words":5,"start":38.12,"end":39.66},{"sentences":[{"text":"That's good.","start":40.274998,"end":41.094997,"sentiment":"positive","sentiment_score":0.4685959070920944},{"text":"Camilla, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":41.155,"end":45.715,"sentiment":"neutral","sentiment_score":0.11560399694876237},{"text":"Are you happy for us to proceed with that?","start":45.715,"end":47.655,"sentiment":"neutral","sentiment_score":0.15969289342562357}],"sentiment":"neutral","sentiment_score":0.14902169054204767,"channel":0,"num_words":33,"start":40.274998,"end":47.655},{"sentences":[{"text":"Yep.","start":47.995,"end":48.394997,"sentiment":"neutral","sentiment_score":0.10200920701026917},{"text":"That's fine.","start":48.394997,"end":49.214996,"sentiment":"neutral","sentiment_score":0.23061906546354294}],"sentiment":"neutral","sentiment_score":0.187749112645785,"channel":1,"num_words":3,"start":47.995,"end":49.214996},{"sentences":[{"text":"Fantastic.","start":49.715,"end":50.215,"sentiment":"positive","sentiment_score":0.5665640234947205},{"text":"And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":50.274998,"end":56.23,"sentiment":"neutral","sentiment_score":0.1868980195787218}],"sentiment":"neutral","sentiment_score":0.2004575197185789,"channel":0,"num_words":28,"start":49.715,"end":56.23},{"sentences":[{"text":"Camilla Louise Barrett, '16 to the","start":57.120003,"end":59.28,"sentiment":"neutral","sentiment_score":0.03776987797270218}],"sentiment":"neutral","sentiment_score":0.03776987797270218,"channel":1,"num_words":6,"start":57.120003,"end":59.28},{"sentences":[{"text":"Yep.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.03689118102192879}],"sentiment":"neutral","sentiment_score":0.03689118102192879,"channel":0,"num_words":1,"start":59.25,"end":59.75},{"sentences":[{"text":"December.","start":59.28,"end":60.58,"sentiment":"neutral","sentiment_score":0.03763878345489502}],"sentiment":"neutral","sentiment_score":0.03763878345489502,"channel":1,"num_words":1,"start":59.28,"end":60.58},{"sentences":[{"text":"Yep.","start":61.41,"end":61.91,"sentiment":"neutral","sentiment_score":0.10237904638051988},{"text":"Beautiful.","start":62.05,"end":62.55,"sentiment":"positive","sentiment_score":0.3911770284175873},{"text":"Fantastic.","start":63.329998,"end":63.829998,"sentiment":"neutral","sentiment_score":0.32833173871040344},{"text":"So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those?","start":64.625,"end":71.765,"sentiment":"neutral","sentiment_score":-0.03138045742525719}],"sentiment":"neutral","sentiment_score":-0.0052081949742777,"channel":0,"num_words":35,"start":61.41,"end":71.765},{"sentences":[{"text":"Yeah.","start":73.055,"end":73.455,"sentiment":"neutral","sentiment_score":0.018757803365588188},{"text":"I can do that.","start":73.455,"end":74.515,"sentiment":"neutral","sentiment_score":0.024874003138393164}],"sentiment":"neutral","sentiment_score":0.02365076318383217,"channel":1,"num_words":5,"start":73.055,"end":74.515},{"sentences":[{"text":"Yeah.","start":74.945,"end":75.185,"sentiment":"neutral","sentiment_score":0.049450889229774475},{"text":"That's okay.","start":75.185,"end":75.744995,"sentiment":"neutral","sentiment_score":0.0688055269420147},{"text":"So we normally just send through some annual review documents to you via email for you to look at.","start":75.744995,"end":80.13,"sentiment":"neutral","sentiment_score":0.0717500283529884},{"text":"That way you can sort of see the documents that I'm going through and have a","start":80.13,"end":85.46999,"sentiment":"neutral","sentiment_score":0.08018344221636653}],"sentiment":"neutral","sentiment_score":0.07455914624427494,"channel":0,"num_words":38,"start":74.945,"end":85.46999},{"sentences":[{"text":"Yes.","start":85.39,"end":85.89,"sentiment":"neutral","sentiment_score":0.05456952005624771}],"sentiment":"neutral","sentiment_score":0.05456952005624771,"channel":1,"num_words":1,"start":85.39,"end":85.89},{"sentences":[{"text":"look at them as well.","start":85.46999,"end":87.13875,"sentiment":"neutral","sentiment_score":0.07590107917785645},{"text":"I'll just press send on that one.","start":87.13875,"end":89.475,"sentiment":"neutral","sentiment_score":0.06999012029596738},{"text":"Hopefully, it","start":89.475,"end":90.142494,"sentiment":"neutral","sentiment_score":0.10758079588413239}],"sentiment":"neutral","sentiment_score":0.07747127355209418,"channel":0,"num_words":14,"start":85.46999,"end":90.142494},{"sentences":[{"text":"Okay.","start":89.950005,"end":90.450005,"sentiment":"neutral","sentiment_score":0.13096055388450625}],"sentiment":"neutral","sentiment_score":0.13096055388450625,"channel":1,"num_words":1,"start":89.950005,"end":90.450005},{"sentences":[{"text":"comes through fairly quickly for you.","start":90.142494,"end":92.145,"sentiment":"neutral","sentiment_score":0.16981097559134165},{"text":"All good.","start":93.66499,"end":94.405,"sentiment":"neutral","sentiment_score":0.2790706902742386},{"text":"Now it has gone through there.","start":94.545,"end":96.405,"sentiment":"neutral","sentiment_score":0.1096384512881438},{"text":"It'll come through from Odoo sign there for you and possibly from my email saying that Odoo Financial dot com dot a u.","start":97.024994,"end":103.84499,"sentiment":"neutral","sentiment_score":0.05943368877405706},{"text":"Beautiful.","start":104.64001,"end":105.14001,"sentiment":"neutral","sentiment_score":0.22163935005664823}],"sentiment":"neutral","sentiment_score":0.10061716141277238,"channel":0,"num_words":38,"start":90.142494,"end":105.14001},{"sentences":[{"text":"Okay.","start":107.07,"end":107.57,"sentiment":"neutral","sentiment_score":0.13173362612724304},{"text":"I've received it.","start":107.630005,"end":108.67,"sentiment":"neutral","sentiment_score":0.12343376378218333},{"text":"Let me have a look.","start":108.67,"end":110.06,"sentiment":"neutral","sentiment_score":0.10735398083925247}],"sentiment":"neutral","sentiment_score":0.11542275796333949,"channel":1,"num_words":9,"start":107.07,"end":110.06},{"sentences":[{"text":"Fantastic.","start":110.560005,"end":111.060005,"sentiment":"neutral","sentiment_score":0.25884824991226196},{"text":"So with that one there, if you just have a 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right?","start":344.305,"end":345.125,"sentiment":"neutral","sentiment_score":0.0766945481300354}],"sentiment":"neutral","sentiment_score":0.20658436916627973,"channel":0,"num_words":54,"start":325.11502,"end":345.125},{"sentences":[{"text":"Fortnightly.","start":345.535,"end":346.035,"sentiment":"neutral","sentiment_score":0.026504214853048325}],"sentiment":"neutral","sentiment_score":0.026504214853048325,"channel":1,"num_words":1,"start":345.535,"end":346.035},{"sentences":[{"text":"Fortnightly.","start":346.705,"end":347.205,"sentiment":"neutral","sentiment_score":0.004675657022744417},{"text":"No.","start":347.505,"end":347.665,"sentiment":"neutral","sentiment_score":-0.04325541108846664},{"text":"That's 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pay?","start":351.425,"end":355.585,"sentiment":"neutral","sentiment_score":-0.0797977600904072},{"text":"You're sort of happy continuing with that salary sacrifice?","start":355.585,"end":358.085,"sentiment":"neutral","sentiment_score":0.01219818058113257}],"sentiment":"neutral","sentiment_score":0.05588312888784068,"channel":0,"num_words":35,"start":348.54498,"end":358.085},{"sentences":[{"text":"I'll continue.","start":358.71002,"end":359.53,"sentiment":"neutral","sentiment_score":-0.13540389388799667},{"text":"It is tough.","start":359.67,"end":360.73,"sentiment":"neutral","sentiment_score":-0.28409765660762787},{"text":"It's just tough 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some greater growth moving forward.","start":410.82498,"end":422.84,"sentiment":"neutral","sentiment_score":0.1159308147394941},{"text":"Does that sound like something you're open 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you want me to, as part of looking at this scenario, keep that salary sacrifice to the $500 per fortnight?","start":430.57498,"end":436.41498,"sentiment":"neutral","sentiment_score":0.04460958830480065},{"text":"Or did you wanna maybe just bring it back a little bit knowing that your income's a little bit tight with with the extra money going into sleep.","start":436.41498,"end":443.22,"sentiment":"neutral","sentiment_score":-0.05870355439505407},{"text":"What do you wanna do, Camilla?","start":443.22,"end":444.84,"sentiment":"neutral","sentiment_score":-0.006089817111690839}],"sentiment":"neutral","sentiment_score":0.008843590995590938,"channel":0,"num_words":57,"start":428.495,"end":444.84},{"sentences":[{"text":"No.","start":444.83,"end":445.15,"sentiment":"neutral","sentiment_score":-0.07438299059867859},{"text":"We'll leave that for 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good.","start":457.025,"end":457.765,"sentiment":"positive","sentiment_score":0.49045976996421814}],"sentiment":"neutral","sentiment_score":0.2910853708162904,"channel":0,"num_words":16,"start":448.82,"end":457.765},{"sentences":[{"text":"So you as I mentioned, your balance at the moment is $94,003.92 and 25¢.","start":458.625,"end":463.745,"sentiment":"neutral","sentiment_score":0.10456241724582818},{"text":"Having a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole.","start":463.745,"end":475.38,"sentiment":"neutral","sentiment_score":0.031061515618020143},{"text":"So Hub twenty four has essentially, it is the super fund, but it does have different different stages to the fund where, at the moment, you're in the discovery option, which is the cheapest version of the fund.","start":475.84,"end":488.855,"sentiment":"neutral","sentiment_score":0.03022441309631655},{"text":"In order to have different investments and to open up different investment menus, we do have to look at the super fund and maybe move you into a different component of hub twenty four.","start":488.995,"end":499.85,"sentiment":"neutral","sentiment_score":0.019683485878083634},{"text":"So they have","start":499.85,"end":500.41,"sentiment":"neutral","sentiment_score":0.011782476988931498}],"sentiment":"neutral","sentiment_score":0.034833261273859994,"channel":0,"num_words":128,"start":458.625,"end":500.41},{"sentences":[{"text":"Yeah.","start":500.33,"end":500.83,"sentiment":"neutral","sentiment_score":0.032926030457019806}],"sentiment":"neutral","sentiment_score":0.032926030457019806,"channel":1,"num_words":1,"start":500.33,"end":500.83},{"sentences":[{"text":"the three different investment options, and the different investment options give us access to different investments.","start":500.41,"end":504.99,"sentiment":"neutral","sentiment_score":0.03659261355642229},{"text":"Are you happy with me looking at hub twenty four at the super fund as a whole and working out how best to structure the investments for you in","start":505.77002,"end":514.505,"sentiment":"neutral","sentiment_score":0.12012228421096144}],"sentiment":"neutral","sentiment_score":0.09042284575601418,"channel":0,"num_words":45,"start":500.41,"end":514.505},{"sentences":[{"text":"Yes,","start":514.415,"end":514.815,"sentiment":"neutral","sentiment_score":0.09666001796722412}],"sentiment":"neutral","sentiment_score":0.09666001796722412,"channel":1,"num_words":1,"start":514.415,"end":514.815},{"sentences":[{"text":"any 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better.","start":514.985,"end":515.965,"sentiment":"neutral","sentiment_score":0.19746624926726022},{"text":"Yeah.","start":516.025,"end":516.34503,"sentiment":"neutral","sentiment_score":0.13039755821228027},{"text":"That's","start":516.34503,"end":516.66504,"sentiment":"neutral","sentiment_score":0.19131553173065183}],"sentiment":"neutral","sentiment_score":0.18282236754894257,"channel":0,"num_words":5,"start":514.985,"end":516.66504},{"sentences":[{"text":"Yeah.","start":516.575,"end":517.075,"sentiment":"neutral","sentiment_score":0.21455223858356476}],"sentiment":"neutral","sentiment_score":0.21455223858356476,"channel":1,"num_words":1,"start":516.575,"end":517.075},{"sentences":[{"text":"okay.","start":516.66504,"end":517.16504,"sentiment":"positive","sentiment_score":0.3745992183685303},{"text":"Beautiful.","start":517.865,"end":518.365,"sentiment":"positive","sentiment_score":0.7349048256874084},{"text":"Lovely.","start":521.065,"end":521.565,"sentiment":"positive","sentiment_score":0.6702536344528198},{"text":"And when you think towards about, you know, your goals and what you're tracking for when you would like to realistically retire, when I kind of look back to when you came on board originally and Bart had done up the advice for you, we were tracking forward to, I believe, around about age 65.","start":522.585,"end":539.715,"sentiment":"neutral","sentiment_score":0.08612174953926693},{"text":"Are you changing that?","start":539.935,"end":541.295,"sentiment":"neutral","sentiment_score":-0.014224188402295113}],"sentiment":"neutral","sentiment_score":0.10418640563805256,"channel":0,"num_words":62,"start":516.66504,"end":541.295},{"sentences":[{"text":"Are you still comfortable with that?","start":541.295,"end":542.815,"sentiment":"neutral","sentiment_score":-0.06908552224437396},{"text":"When do you realistically wanna be able to stop working?","start":542.815,"end":545.635,"sentiment":"neutral","sentiment_score":-0.1096240296959877}],"sentiment":"neutral","sentiment_score":-0.09442208940163255,"channel":0,"num_words":16,"start":541.295,"end":545.635},{"sentences":[{"text":"I don't know.","start":547.02997,"end":547.39,"sentiment":"neutral","sentiment_score":-0.17677791913350424},{"text":"I'm sure I'll never be able to stop working.","start":547.39,"end":549.52997,"sentiment":"neutral","sentiment_score":-0.2091221825944053}],"sentiment":"neutral","sentiment_score":-0.20103611672918,"channel":1,"num_words":12,"start":547.02997,"end":549.52997},{"sentences":[{"text":"Oh, I hope not.","start":550.175,"end":551.295,"sentiment":"neutral","sentiment_score":-0.09698659181594849},{"text":"We wanna make sure you can.","start":551.295,"end":552.995,"sentiment":"neutral","sentiment_score":-0.05117224964002768}],"sentiment":"neutral","sentiment_score":-0.069497986510396,"channel":0,"num_words":10,"start":550.175,"end":552.995},{"sentences":[{"text":"Yeah.","start":553.43,"end":553.91,"sentiment":"neutral","sentiment_score":-0.052002958953380585},{"text":"I don't know.","start":553.91,"end":554.47,"sentiment":"neutral","sentiment_score":-0.09899509449799855},{"text":"Let's just stick with that age for now.","start":554.47,"end":556.73,"sentiment":"neutral","sentiment_score":-0.08414234686642885}],"sentiment":"neutral","sentiment_score":-0.08517725144823392,"channel":1,"num_words":12,"start":553.43,"end":556.73},{"sentences":[{"text":"Yeah.","start":556.87,"end":557.35,"sentiment":"neutral","sentiment_score":0.03224261850118637},{"text":"65, not a problem at all.","start":557.35,"end":559.69,"sentiment":"neutral","sentiment_score":0.0933681217332681},{"text":"If that ever does change, we can alter the advice.","start":559.75,"end":562.23,"sentiment":"neutral","sentiment_score":0.08370360322296619},{"text":"It's not a problem at all.","start":562.23,"end":563.43,"sentiment":"neutral","sentiment_score":0.2043421963850657},{"text":"I'll just track forward to see what 65 looks like.","start":563.43,"end":566.41,"sentiment":"neutral","sentiment_score":0.09785870984196662}],"sentiment":"neutral","sentiment_score":0.1101250805412278,"channel":0,"num_words":33,"start":556.87,"end":566.41},{"sentences":[{"text":"Did","start":566.87,"end":567.11,"sentiment":"neutral","sentiment_score":0.02495001256465912}],"sentiment":"neutral","sentiment_score":0.02495001256465912,"channel":0,"num_words":1,"start":566.87,"end":567.11},{"sentences":[{"text":"Yeah.","start":566.965,"end":567.465,"sentiment":"neutral","sentiment_score":0.0428842231631279}],"sentiment":"neutral","sentiment_score":0.0428842231631279,"channel":1,"num_words":1,"start":566.965,"end":567.465},{"sentences":[{"text":"you want me to look at maybe as an alternative option, 60 as well just to see where you're tracking for it, 60 as well as 65 to give you that option?","start":567.11,"end":576.345,"sentiment":"neutral","sentiment_score":0.04817141417879611}],"sentiment":"neutral","sentiment_score":0.04817141417879611,"channel":0,"num_words":32,"start":567.11,"end":576.345},{"sentences":[{"text":"Sure.","start":577.23,"end":577.73,"sentiment":"neutral","sentiment_score":0.0997873842716217}],"sentiment":"neutral","sentiment_score":0.0997873842716217,"channel":1,"num_words":1,"start":577.23,"end":577.73},{"sentences":[{"text":"Yep.","start":578.32495,"end":578.82495,"sentiment":"neutral","sentiment_score":0.08545203506946564},{"text":"60 and 65.","start":578.96497,"end":580.565,"sentiment":"neutral","sentiment_score":0.11471818387508392},{"text":"Beautiful.","start":580.565,"end":581.065,"sentiment":"positive","sentiment_score":0.6135803461074829},{"text":"Excellent.","start":583.14,"end":583.64,"sentiment":"neutral","sentiment_score":0.06608395278453827},{"text":"And now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement?","start":584.26,"end":591.88,"sentiment":"neutral","sentiment_score":-0.04757128397543584}],"sentiment":"neutral","sentiment_score":-0.00987672750410196,"channel":0,"num_words":37,"start":578.32495,"end":591.88},{"sentences":[{"text":"Have you sort of thought about what comfortable income you'd like to live on when you get to that point?","start":592.02,"end":596.6,"sentiment":"neutral","sentiment_score":-0.007201921008527279}],"sentiment":"neutral","sentiment_score":-0.007201921008527279,"channel":0,"num_words":20,"start":592.02,"end":596.6},{"sentences":[{"text":"No.","start":597.265,"end":597.765,"sentiment":"neutral","sentiment_score":-0.2532957196235657},{"text":"No.","start":598.945,"end":599.345,"sentiment":"neutral","sentiment_score":-0.31345993280410767},{"text":"Probably, I mean, it's just ridiculous, and I'm paying rent, and I'm on my own.","start":599.345,"end":606.23004,"sentiment":"negative","sentiment_score":-0.3707216401894887},{"text":"So, like, you're gonna","start":606.23004,"end":607.43,"sentiment":"neutral","sentiment_score":-0.12985186837613583}],"sentiment":"neutral","sentiment_score":-0.31652322517974035,"channel":1,"num_words":21,"start":597.265,"end":607.43},{"sentences":[{"text":"Yeah.","start":607.785,"end":608.285,"sentiment":"neutral","sentiment_score":-0.09167905151844025}],"sentiment":"neutral","sentiment_score":-0.09167905151844025,"channel":0,"num_words":1,"start":607.785,"end":608.285},{"sentences":[{"text":"I don't even know.","start":608.31,"end":609.11,"sentiment":"neutral","sentiment_score":-0.12319546565413475},{"text":"You're gonna need, like, $2,000 a week, 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was about 35,000.","start":774.21,"end":777.27,"sentiment":"neutral","sentiment_score":0.04363505790630976},{"text":"How much do you have left on that one to pay?","start":777.89,"end":780.15,"sentiment":"neutral","sentiment_score":0.018115727061575108}],"sentiment":"neutral","sentiment_score":0.1059690322726965,"channel":0,"num_words":32,"start":770.77,"end":780.15},{"sentences":[{"text":"Well, I don't know.","start":780.57,"end":781.05,"sentiment":"neutral","sentiment_score":-0.03196747088804841},{"text":"The repayments are 200 a week.","start":781.05,"end":783.63,"sentiment":"neutral","sentiment_score":-0.02716276329010725},{"text":"So","start":784.32996,"end":784.57,"sentiment":"neutral","sentiment_score":0.007177397608757019}],"sentiment":"neutral","sentiment_score":-0.025788096880370922,"channel":1,"num_words":11,"start":780.57,"end":784.57},{"sentences":[{"text":"Okay.","start":784.435,"end":784.935,"sentiment":"neutral","sentiment_score":0.02894538640975952}],"sentiment":"neutral","sentiment_score":0.02894538640975952,"channel":0,"num_words":1,"start":784.435,"end":784.935},{"sentences":[{"text":"that's 800 a month times 15, whatever that is.","start":784.57,"end":789.87,"sentiment":"neutral","sentiment_score":0.024844012326664396}],"sentiment":"neutral","sentiment_score":0.024844012326664396,"channel":1,"num_words":9,"start":784.57,"end":789.87},{"sentences":[{"text":"Yep.","start":790.355,"end":790.855,"sentiment":"neutral","sentiment_score":0.15615618228912354},{"text":"That's absolutely fine.","start":791.795,"end":792.835,"sentiment":"positive","sentiment_score":0.3507762948671977},{"text":"I can work that out for you as an estimate.","start":792.835,"end":794.935,"sentiment":"neutral","sentiment_score":0.22642255425453187},{"text":"And you mentioned it should all be paid off in a few months?","start":795.23004,"end":797.73004,"sentiment":"neutral","sentiment_score":0.057983948347660214}],"sentiment":"neutral","sentiment_score":0.15653710881317104,"channel":0,"num_words":27,"start":790.355,"end":797.73004},{"sentences":[{"text":"Well, in October next year.","start":798.92505,"end":801.66504,"sentiment":"neutral","sentiment_score":0.01605686154216528}],"sentiment":"neutral","sentiment_score":0.01605686154216528,"channel":1,"num_words":5,"start":798.92505,"end":801.66504},{"sentences":[{"text":"Oh, okay.","start":802.11005,"end":802.75,"sentiment":"neutral","sentiment_score":0.03848557360470295},{"text":"October next year.","start":802.75,"end":803.79004,"sentiment":"neutral","sentiment_score":0.028391806408762932}],"sentiment":"neutral","sentiment_score":0.03242931328713894,"channel":0,"num_words":5,"start":802.11005,"end":803.79004},{"sentences":[{"text":"Yeah.","start":803.565,"end":804.065,"sentiment":"neutral","sentiment_score":0.04214233160018921}],"sentiment":"neutral","sentiment_score":0.04214233160018921,"channel":1,"num_words":1,"start":803.565,"end":804.065},{"sentences":[{"text":"So a little over a year to go.","start":803.79004,"end":805.39,"sentiment":"neutral","sentiment_score":0.05023217899724841},{"text":"Yep.","start":805.39,"end":805.71,"sentiment":"neutral","sentiment_score":0.09146739542484283}],"sentiment":"neutral","sentiment_score":0.05481386971142557,"channel":0,"num_words":9,"start":803.79004,"end":805.71},{"sentences":[{"text":"Yeah.","start":805.645,"end":806.145,"sentiment":"neutral","sentiment_score":0.12352775782346724}],"sentiment":"neutral","sentiment_score":0.12352775782346724,"channel":1,"num_words":1,"start":805.645,"end":806.145},{"sentences":[{"text":"That's okay.","start":805.71,"end":806.45,"sentiment":"neutral","sentiment_score":0.23279937356710434},{"text":"Beautiful.","start":807.64496,"end":808.14496,"sentiment":"positive","sentiment_score":0.42283180356025696},{"text":"And do you have any kind of balloon payment that you'll need to make at the end of that, or would that clear the loan completely?","start":808.845,"end":813.82495,"sentiment":"neutral","sentiment_score":0.03281944180623843}],"sentiment":"neutral","sentiment_score":0.060059863367471204,"channel":0,"num_words":29,"start":805.71,"end":813.82495},{"sentences":[{"text":"No.","start":814.37,"end":814.69,"sentiment":"neutral","sentiment_score":-0.12788574397563934},{"text":"That'll clear it completely.","start":814.69,"end":815.99,"sentiment":"neutral","sentiment_score":-0.08649813197553158}],"sentiment":"neutral","sentiment_score":-0.09477565437555313,"channel":1,"num_words":5,"start":814.37,"end":815.99},{"sentences":[{"text":"Oh, that's good.","start":816.685,"end":817.565,"sentiment":"neutral","sentiment_score":0.29059767723083496},{"text":"You've got some you're close to having it all paid off and owning it outright.","start":817.565,"end":821.02496,"sentiment":"neutral","sentiment_score":0.26519291202227274}],"sentiment":"neutral","sentiment_score":0.2694270395570331,"channel":0,"num_words":18,"start":816.685,"end":821.02496},{"sentences":[{"text":"Yeah.","start":821.73,"end":822.23,"sentiment":"neutral","sentiment_score":0.08684580028057098}],"sentiment":"neutral","sentiment_score":0.08684580028057098,"channel":1,"num_words":1,"start":821.73,"end":822.23},{"sentences":[{"text":"Looking at any other assets you do have, do you have any other cars, boats, caravans, or anything else of value that you'd note down?","start":823.48,"end":830.22003,"sentiment":"neutral","sentiment_score":0.05217815607786178}],"sentiment":"neutral","sentiment_score":0.05217815607786178,"channel":0,"num_words":25,"start":823.48,"end":830.22003},{"sentences":[{"text":"No.","start":830.985,"end":831.485,"sentiment":"neutral","sentiment_score":-0.13147011399269104}],"sentiment":"neutral","sentiment_score":-0.13147011399269104,"channel":1,"num_words":1,"start":830.985,"end":831.485},{"sentences":[{"text":"No.","start":832.04,"end":832.28,"sentiment":"neutral","sentiment_score":-0.07161853462457657},{"text":"That's absolutely fine.","start":832.28,"end":833.82,"sentiment":"neutral","sentiment_score":0.04344305582344532},{"text":"Do you have any other personal loans, credit cards, or anything else debt wise that we should note down for you?","start":834.64496,"end":841.065,"sentiment":"neutral","sentiment_score":0.0355976095334405}],"sentiment":"neutral","sentiment_score":0.0322504173219204,"channel":0,"num_words":25,"start":832.04,"end":841.065},{"sentences":[{"text":"I've got a credit card, which just has","start":842.36,"end":845.98,"sentiment":"neutral","sentiment_score":0.023785525700077415}],"sentiment":"neutral","sentiment_score":0.023785525700077415,"channel":1,"num_words":8,"start":842.36,"end":845.98},{"sentences":[{"text":"Yep.","start":845.845,"end":846.345,"sentiment":"neutral","sentiment_score":0.02207105979323387}],"sentiment":"neutral","sentiment_score":0.02207105979323387,"channel":0,"num_words":1,"start":845.845,"end":846.345},{"sentences":[{"text":"a $3,000 limit, and then","start":846.2,"end":848.7,"sentiment":"neutral","sentiment_score":0.016192785650491714}],"sentiment":"neutral","sentiment_score":0.016192785650491714,"channel":1,"num_words":5,"start":846.2,"end":848.7},{"sentences":[{"text":"Yep.","start":848.53,"end":849.03,"sentiment":"neutral","sentiment_score":0.005941286683082581}],"sentiment":"neutral","sentiment_score":0.005941286683082581,"channel":0,"num_words":1,"start":848.53,"end":849.03},{"sentences":[{"text":"I've got a latitude thing.","start":848.92,"end":851.91504,"sentiment":"neutral","sentiment_score":-0.015152622759342194},{"text":"I think it's got 5,000 on it limit.","start":851.91504,"end":854.49506,"sentiment":"neutral","sentiment_score":0.00709502084646374}],"sentiment":"neutral","sentiment_score":-0.0014617651557693114,"channel":1,"num_words":13,"start":848.92,"end":854.49506},{"sentences":[{"text":"Okay.","start":854.69,"end":855.19,"sentiment":"neutral","sentiment_score":0.16090980172157288},{"text":"Beautiful.","start":855.33,"end":855.83,"sentiment":"positive","sentiment_score":0.415574163198471},{"text":"Another 2 and 5,000 limit.","start":856.61,"end":859.635,"sentiment":"neutral","sentiment_score":0.21342896223068236},{"text":"Beautiful.","start":859.875,"end":860.355,"sentiment":"positive","sentiment_score":0.6162742376327515},{"text":"Thank you for updating all those details there for me.","start":860.355,"end":863.015,"sentiment":"positive","sentiment_score":0.6992988586425781}],"sentiment":"positive","sentiment_score":0.514049533340666,"channel":0,"num_words":18,"start":854.69,"end":863.015},{"sentences":[{"text":"Now the other thing we do wanna have a look at is the insurance side of things.","start":863.555,"end":866.515,"sentiment":"neutral","sentiment_score":0.039334598271285784},{"text":"So I know when you came on board originally having a look at things, we retained your level of cover, but we had reduced it down to about a million dollars.","start":866.515,"end":874.375,"sentiment":"neutral","sentiment_score":0.006382168841458136},{"text":"So since going, going to that reduction, your life in TBD cover has gone back through renewal.","start":874.73,"end":881.29,"sentiment":"neutral","sentiment_score":-0.03441604917102},{"text":"And as it goes through a renewal every year, the sum insured actually continues to increase back a little bit, and it means that the policy does get more expensive again over time.","start":881.29,"end":890.19,"sentiment":"neutral","sentiment_score":-0.0847417086814389},{"text":"Your current life and TBD sum insured is 1,102,500.","start":890.465,"end":895.84503,"sentiment":"neutral","sentiment_score":-0.01833711564540863}],"sentiment":"neutral","sentiment_score":-0.02504717624772375,"channel":0,"num_words":107,"start":863.555,"end":895.84503},{"sentences":[{"text":"Given that you are realistically debt free, minus that little bit you low owe on the car there, in the event of, say, a life event, if you were to pass away, we hope nothing happens.","start":896.22504,"end":906.75,"sentiment":"neutral","sentiment_score":-0.01800560485571623},{"text":"But if that was to occur, obviously, the 1,102,500 is paid out, but then your super benefit can be paid out on top of that.","start":906.75,"end":914.85004,"sentiment":"neutral","sentiment_score":0.02904130220413208},{"text":"Where was it that you were wanting that to go?","start":914.91003,"end":916.91003,"sentiment":"neutral","sentiment_score":-0.014498896338045597},{"text":"Who are you wanting it to be paid to?","start":916.91003,"end":919.17004,"sentiment":"neutral","sentiment_score":-0.014524003076884482}],"sentiment":"neutral","sentiment_score":-0.002473427634686232,"channel":0,"num_words":80,"start":896.22504,"end":919.17004},{"sentences":[{"text":"My kids.","start":920.505,"end":921.21,"sentiment":"neutral","sentiment_score":0.0016318769194185734}],"sentiment":"neutral","sentiment_score":0.0016318769194185734,"channel":1,"num_words":2,"start":920.505,"end":921.21},{"sentences":[{"text":"Your kids?","start":921.825,"end":922.46497,"sentiment":"neutral","sentiment_score":0.023195141926407814},{"text":"Lovely.","start":922.46497,"end":922.785,"sentiment":"neutral","sentiment_score":0.27181005477905273},{"text":"And I've got the beneficiary nominated here as, we've got, sorry, Amber, Cooper, Jack, and Nate.","start":922.785,"end":930.305,"sentiment":"neutral","sentiment_score":0.15597157832235098},{"text":"Is that right?","start":930.305,"end":930.945,"sentiment":"neutral","sentiment_score":0.09781057139237721},{"text":"25% to each?","start":930.945,"end":932.485,"sentiment":"neutral","sentiment_score":0.054322775453329086}],"sentiment":"neutral","sentiment_score":0.13080582529306412,"channel":0,"num_words":25,"start":921.825,"end":932.485},{"sentences":[{"text":"Yeah.","start":932.65,"end":933.15,"sentiment":"neutral","sentiment_score":0.06576710939407349}],"sentiment":"neutral","sentiment_score":0.06576710939407349,"channel":1,"num_words":1,"start":932.65,"end":933.15},{"sentences":[{"text":"Yeah.","start":933.81,"end":934.29,"sentiment":"neutral","sentiment_score":0.12488296627998352},{"text":"Lovely.","start":934.29,"end":934.79,"sentiment":"neutral","sentiment_score":0.221729576587677},{"text":"And the level of cover, that 1,102,500, do you feel like that's appropriate?","start":934.93,"end":939.99,"sentiment":"neutral","sentiment_score":0.0817107859139259},{"text":"Did you wanna look at reviewing that amount at all?","start":940.05,"end":942.20996,"sentiment":"neutral","sentiment_score":0.045877857506275176},{"text":"Are you happy just to keep it as is?","start":942.20996,"end":944.14996,"sentiment":"neutral","sentiment_score":0.028927069985204272}],"sentiment":"neutral","sentiment_score":0.0625874989611261,"channel":0,"num_words":34,"start":933.81,"end":944.14996},{"sentences":[{"text":"Yeah.","start":944.725,"end":945.045,"sentiment":"neutral","sentiment_score":-0.25170159339904785},{"text":"I don't wanna make it more.","start":945.045,"end":946.58496,"sentiment":"negative","sentiment_score":-0.3733558456103007}],"sentiment":"negative","sentiment_score":-0.35597666672297884,"channel":1,"num_words":7,"start":944.725,"end":946.58496},{"sentences":[{"text":"No.","start":947.265,"end":947.745,"sentiment":"negative","sentiment_score":-0.5011438727378845},{"text":"Absolutely not.","start":947.745,"end":949.205,"sentiment":"negative","sentiment_score":-0.44294440746307373},{"text":"And with the TBD, so total permanent disability pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again.","start":949.425,"end":958.085,"sentiment":"neutral","sentiment_score":-0.12648353818804026},{"text":"You have the same level of PPD as you do have life, so that 1,102,500.","start":958.36,"end":964.38,"sentiment":"neutral","sentiment_score":0.13863389988740285},{"text":"In the event of a PPD claim as well, we can also claim against your super.","start":964.76,"end":968.92,"sentiment":"neutral","sentiment_score":0.06939346628496423}],"sentiment":"neutral","sentiment_score":-0.034010635618346205,"channel":0,"num_words":66,"start":947.265,"end":968.92},{"sentences":[{"text":"So it does release the super to you as 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there.","start":984.26,"end":991.08,"sentiment":"neutral","sentiment_score":0.1755102194313492},{"text":"But just knowing that that is an option, and there is tax depending on the claim and when the claim is made, Do you feel like that same level of TBD is appropriate?","start":991.7,"end":1001.995,"sentiment":"neutral","sentiment_score":0.0982628334878069},{"text":"Did you wanna look at reviewing that in any way, and did you have any questions around TBD?","start":1001.995,"end":1006.095,"sentiment":"neutral","sentiment_score":0.051526144690190755}],"sentiment":"neutral","sentiment_score":0.10077107400240853,"channel":0,"num_words":121,"start":971.89496,"end":1006.095},{"sentences":[{"text":"No.","start":1006.94,"end":1007.18005,"sentiment":"negative","sentiment_score":-0.44376352429389954},{"text":"I don't think so.","start":1007.18005,"end":1008.4,"sentiment":"negative","sentiment_score":-0.5298985093832016}],"sentiment":"negative","sentiment_score":-0.5126715123653411,"channel":1,"num_words":5,"start":1006.94,"end":1008.4},{"sentences":[{"text":"It's a really unfair system, unfortunately.","start":1009.755,"end":1011.69495,"sentiment":"negative","sentiment_score":-0.7737194995085398},{"text":"I definitely disagree that anyone who's TBD, if you're permanently incapacitated or disabled, the last thing the government should be doing is taxing that money.","start":1011.755,"end":1019.66,"sentiment":"negative","sentiment_score":-0.561523973941803},{"text":"But,","start":1020.04,"end":1020.27997,"sentiment":"neutral","sentiment_score":-0.1432759165763855}],"sentiment":"negative","sentiment_score":-0.5882403831928968,"channel":0,"num_words":32,"start":1009.755,"end":1020.27997},{"sentences":[{"text":"Yeah.","start":1020.125,"end":1020.625,"sentiment":"neutral","sentiment_score":-0.14639337360858917}],"sentiment":"neutral","sentiment_score":-0.14639337360858917,"channel":1,"num_words":1,"start":1020.125,"end":1020.625},{"sentences":[{"text":"unfortunately, it does happen.","start":1020.27997,"end":1021.87994,"sentiment":"neutral","sentiment_score":-0.2097920924425125},{"text":"So I just like to make sure I'm giving you a little bit of information around how that works.","start":1021.87994,"end":1026.36,"sentiment":"neutral","sentiment_score":0.008904964319969478},{"text":"If at any point you ever wanted to look at the TBD or the life cover or anything like that, let me know.","start":1026.36,"end":1032.4551,"sentiment":"neutral","sentiment_score":-0.020973092997851578},{"text":"I'm more than happy to.","start":1032.4551,"end":1033.8351,"sentiment":"positive","sentiment_score":0.40038164258003234},{"text":"However,","start":1034.2151,"end":1034.615,"sentiment":"neutral","sentiment_score":0.29021376371383667}],"sentiment":"neutral","sentiment_score":0.021918592114861194,"channel":0,"num_words":52,"start":1020.27997,"end":1034.615},{"sentences":[{"text":"Mhmm.","start":1034.39,"end":1034.89,"sentiment":"neutral","sentiment_score":0.3195408284664154}],"sentiment":"neutral","sentiment_score":0.3195408284664154,"channel":1,"num_words":1,"start":1034.39,"end":1034.89},{"sentences":[{"text":"at the amount you do have, it is quite good.","start":1034.615,"end":1036.875,"sentiment":"positive","sentiment_score":0.48169101774692535},{"text":"I think one of the biggest things with TBD is just making sure that it, you know, realistically could cover the amount of money you have because one of the biggest things I do find or have found in the past is where TBD has been claimed, the client is able to take either a lump sum payment or an income stream and keep the money invested.","start":1037.175,"end":1054.3301,"sentiment":"neutral","sentiment_score":0.2207534248704341},{"text":"But that money needs to be sufficient to last you longevity.","start":1054.815,"end":1057.955,"sentiment":"neutral","sentiment_score":0.11573466387662021},{"text":"So replace your income or, you know, give you a a certain standard of living basically right through retirement as well.","start":1058.1749,"end":1065.315,"sentiment":"neutral","sentiment_score":0.21181802247606574},{"text":"So it's just about making sure that level of cover is sufficient for you.","start":1065.375,"end":1068.76,"sentiment":"neutral","sentiment_score":0.19045710510441236}],"sentiment":"neutral","sentiment_score":0.2276020234950432,"channel":0,"num_words":123,"start":1034.615,"end":1068.76},{"sentences":[{"text":"But you're comfortable with what you've got at the moment?","start":1068.76,"end":1071.34,"sentiment":"neutral","sentiment_score":0.1753314256668091},{"text":"Yes.","start":1074.04,"end":1074.4401,"sentiment":"neutral","sentiment_score":0.16110195219516754},{"text":"That's okay.","start":1074.4401,"end":1075.16,"sentiment":"neutral","sentiment_score":0.22142168134450912},{"text":"Do you have any questions about the two types of cover you have, how they work, or anything around those?","start":1075.16,"end":1080.38,"sentiment":"neutral","sentiment_score":0.03734738603234291}],"sentiment":"neutral","sentiment_score":0.09406688764239803,"channel":0,"num_words":33,"start":1068.76,"end":1080.38},{"sentences":[{"text":"Yeah.","start":1081.0951,"end":1081.255,"sentiment":"neutral","sentiment_score":-0.004446470178663731},{"text":"No.","start":1081.255,"end":1081.495,"sentiment":"neutral","sentiment_score":-0.1576858013868332},{"text":"Not really.","start":1081.495,"end":1082.3151,"sentiment":"neutral","sentiment_score":-0.16435231268405914}],"sentiment":"neutral","sentiment_score":-0.1227092242334038,"channel":1,"num_words":4,"start":1081.0951,"end":1082.3151},{"sentences":[{"text":"No.","start":1082.845,"end":1083.085,"sentiment":"neutral","sentiment_score":-0.2712712287902832},{"text":"That's okay.","start":1083.085,"end":1083.905,"sentiment":"neutral","sentiment_score":-0.13295866176486015},{"text":"Now looking at things, you don't have any income protection or trauma insurances.","start":1084.445,"end":1087.985,"sentiment":"neutral","sentiment_score":-0.14148402242706373},{"text":"Do you understand what those types of cover are, how they work?","start":1088.205,"end":1091.405,"sentiment":"neutral","sentiment_score":-0.06657422209779422},{"text":"Or","start":1091.405,"end":1091.905,"sentiment":"neutral","sentiment_score":-0.07190956175327301}],"sentiment":"neutral","sentiment_score":-0.11197520933788398,"channel":0,"num_words":29,"start":1082.845,"end":1091.905},{"sentences":[{"text":"No.","start":1092.68,"end":1093.18,"sentiment":"neutral","sentiment_score":-0.11961376667022704},{"text":"Okay.","start":1093.24,"end":1093.74,"sentiment":"neutral","sentiment_score":-0.07291184365749359},{"text":"Not not entirely.","start":1093.88,"end":1095.1,"sentiment":"neutral","sentiment_score":-0.1658224811156591},{"text":"No.","start":1095.4,"end":1095.9,"sentiment":"neutral","sentiment_score":-0.19027724862098697}],"sentiment":"neutral","sentiment_score":-0.1467117170492808,"channel":1,"num_words":6,"start":1092.68,"end":1095.9},{"sentences":[{"text":"no.","start":1096.46,"end":1096.62,"sentiment":"neutral","sentiment_score":-0.17572015523910522},{"text":"That's okay.","start":1096.62,"end":1097.34,"sentiment":"neutral","sentiment_score":-0.035844603553414345},{"text":"So income protection can pay out a lump so any a monthly benefit in the event that you're unable to go to work in the short term.","start":1097.34,"end":1104.16,"sentiment":"neutral","sentiment_score":-0.09717307308757747},{"text":"It can be one of the most expensive types cover that we do get because it's the first net we do tend to claim.","start":1105.18,"end":1110.4651,"sentiment":"neutral","sentiment_score":-0.16263364534825087},{"text":"Not having any income protection does mean that in the event that you're unable to go to work, you just need to be able to fall back on long service leave, sick leave, annual leave, have savings behind you, or some sort of income replacement.","start":1111.0851,"end":1123.3999,"sentiment":"neutral","sentiment_score":-0.17977597564458847}],"sentiment":"neutral","sentiment_score":-0.15014352250580837,"channel":0,"num_words":99,"start":1096.46,"end":1123.3999},{"sentences":[{"text":"If you don't have access to that amount of money through, you know, your own savings, then, obviously, Centrelink is an option if you're eligible","start":1124.34,"end":1132.0399,"sentiment":"neutral","sentiment_score":-0.02147909641265869}],"sentiment":"neutral","sentiment_score":-0.02147909641265869,"channel":0,"num_words":25,"start":1124.34,"end":1132.0399},{"sentences":[{"text":"Yeah.","start":1132.015,"end":1132.515,"sentiment":"neutral","sentiment_score":0.058002181351184845}],"sentiment":"neutral","sentiment_score":0.058002181351184845,"channel":1,"num_words":1,"start":1132.015,"end":1132.515},{"sentences":[{"text":"there as well.","start":1132.1,"end":1133.0,"sentiment":"neutral","sentiment_score":0.05519662176569303},{"text":"Obviously, if you did wanna look at getting income protection, it is important to note that we would have to go through an application, assess your health, and look at what kind of terms would be applied.","start":1133.86,"end":1142.8351,"sentiment":"neutral","sentiment_score":0.015954057711201744},{"text":"And the premiums can be a little bit more expensive if you're paying for it out of super can have an effect on your retirement as well because the amount paying paid out of super does reduce, you know, your retirement income at the end of things.","start":1143.2151,"end":1156.62,"sentiment":"neutral","sentiment_score":-0.13145541288751236},{"text":"But it's up to you.","start":1157.08,"end":1157.88,"sentiment":"neutral","sentiment_score":0.09746199250221252},{"text":"It's also gotta be important to you.","start":1157.88,"end":1159.3999,"sentiment":"neutral","sentiment_score":0.24159609632832663}],"sentiment":"neutral","sentiment_score":-0.03276799765951706,"channel":0,"num_words":99,"start":1132.1,"end":1159.3999},{"sentences":[{"text":"And if having some sort of income replacement is important, then it's our job to make that happen for you.","start":1159.3999,"end":1165.26,"sentiment":"neutral","sentiment_score":0.2563534311950207},{"text":"Do","start":1166.115,"end":1166.355,"sentiment":"neutral","sentiment_score":0.053602058440446854}],"sentiment":"neutral","sentiment_score":0.24669860392099335,"channel":0,"num_words":21,"start":1159.3999,"end":1166.355},{"sentences":[{"text":"Mhmm.","start":1166.155,"end":1166.655,"sentiment":"neutral","sentiment_score":0.06759218871593475}],"sentiment":"neutral","sentiment_score":0.06759218871593475,"channel":1,"num_words":1,"start":1166.155,"end":1166.655},{"sentences":[{"text":"you have any thoughts about income protection?","start":1166.355,"end":1168.1951,"sentiment":"neutral","sentiment_score":0.030422465077468326},{"text":"Is it important to look at, or you're comfortable not having it?","start":1168.1951,"end":1170.835,"sentiment":"neutral","sentiment_score":-0.003782276219377915},{"text":"How do you sort of feel about that?","start":1170.835,"end":1172.535,"sentiment":"neutral","sentiment_score":-0.005831592716276646}],"sentiment":"neutral","sentiment_score":0.004478414784427042,"channel":0,"num_words":27,"start":1166.355,"end":1172.535},{"sentences":[{"text":"Well, I don't know.","start":1172.13,"end":1173.73,"sentiment":"neutral","sentiment_score":-0.17744643986225128},{"text":"I'm a I'll just leave it for now.","start":1173.73,"end":1175.6699,"sentiment":"neutral","sentiment_score":0.00331406993791461}],"sentiment":"neutral","sentiment_score":-0.056939433328807354,"channel":1,"num_words":12,"start":1172.13,"end":1175.6699},{"sentences":[{"text":"Yep.","start":1176.115,"end":1176.435,"sentiment":"neutral","sentiment_score":0.2087703049182892},{"text":"That's absolutely fine.","start":1176.435,"end":1177.895,"sentiment":"positive","sentiment_score":0.4987388054529826},{"text":"There are other types of insurances, but, I mean, we can essentially insure ourselves at the end of the world.","start":1178.25,"end":1182.83,"sentiment":"neutral","sentiment_score":0.22349799685180188},{"text":"You look at everything out there that you can insure for.","start":1182.89,"end":1185.55,"sentiment":"neutral","sentiment_score":0.18457671729001132},{"text":"You","start":1186.33,"end":1186.49,"sentiment":"neutral","sentiment_score":0.04981996864080429}],"sentiment":"neutral","sentiment_score":0.22930862547622788,"channel":0,"num_words":36,"start":1176.115,"end":1186.49},{"sentences":[{"text":"Mhmm.","start":1186.385,"end":1186.885,"sentiment":"neutral","sentiment_score":0.01972239464521408}],"sentiment":"neutral","sentiment_score":0.01972239464521408,"channel":1,"num_words":1,"start":1186.385,"end":1186.885},{"sentences":[{"text":"can also get other insurances like trauma, which pays out a lump sum benefit in the event that you're diagnosed with, say, a major medical condition like cancer, Parkinson's, heart attack, stroke, things like that.","start":1186.49,"end":1197.9651,"sentiment":"neutral","sentiment_score":0.015753787170563426},{"text":"Trauma is an out of pocket expense.","start":1198.025,"end":1199.865,"sentiment":"neutral","sentiment_score":-0.12523878685065679},{"text":"You can't hold it inside super like you can the other covers.","start":1199.865,"end":1203.0851,"sentiment":"neutral","sentiment_score":-0.11807607176403205},{"text":"Just double checking.","start":1203.7051,"end":1204.5851,"sentiment":"neutral","sentiment_score":0.0025511793792247772},{"text":"You're happy just to forego anything additional for the moment.","start":1204.5851,"end":1207.805,"sentiment":"neutral","sentiment_score":-0.014593334496021274}],"sentiment":"neutral","sentiment_score":-0.028066889925011947,"channel":0,"num_words":67,"start":1186.49,"end":1207.805},{"sentences":[{"text":"Yeah.","start":1208.42,"end":1208.92,"sentiment":"neutral","sentiment_score":0.14049480855464935}],"sentiment":"neutral","sentiment_score":0.14049480855464935,"channel":1,"num_words":1,"start":1208.42,"end":1208.92},{"sentences":[{"text":"Yeah.","start":1209.51,"end":1209.75,"sentiment":"neutral","sentiment_score":0.18296341598033905},{"text":"That's okay.","start":1209.75,"end":1210.39,"sentiment":"neutral","sentiment_score":0.32595394551754},{"text":"I just wanna make sure that you're aware of the options and let you make the decision as to what's important to you.","start":1210.39,"end":1215.8301,"sentiment":"neutral","sentiment_score":0.3133738533310268},{"text":"Okay?","start":1215.8301,"end":1216.3301,"sentiment":"neutral","sentiment_score":0.20466116070747375}],"sentiment":"neutral","sentiment_score":0.3054492997902411,"channel":0,"num_words":27,"start":1209.51,"end":1216.3301},{"sentences":[{"text":"Yeah.","start":1216.925,"end":1217.425,"sentiment":"positive","sentiment_score":0.39266178011894226}],"sentiment":"positive","sentiment_score":0.39266178011894226,"channel":1,"num_words":1,"start":1216.925,"end":1217.425},{"sentences":[{"text":"Excellent.","start":1218.2301,"end":1218.7301,"sentiment":"positive","sentiment_score":0.6805757284164429},{"text":"All good.","start":1219.03,"end":1219.8501,"sentiment":"positive","sentiment_score":0.6559938788414001},{"text":"Now the other thing, I can see your beneficiaries are in place here, and we've confirmed that they're as you would like them, which is fantastic.","start":1220.8049,"end":1227.1449,"sentiment":"positive","sentiment_score":0.5432318128072299},{"text":"With regard to your other estate planning side of things, I can see here that you had had a will in the past.","start":1228.4049,"end":1234.44,"sentiment":"neutral","sentiment_score":0.10265281180972638},{"text":"Is your will still up to date and reflect your current circumstances?","start":1234.44,"end":1237.6599,"sentiment":"neutral","sentiment_score":0.04451698623597622}],"sentiment":"neutral","sentiment_score":0.29705951758660376,"channel":0,"num_words":64,"start":1218.2301,"end":1237.6599},{"sentences":[{"text":"No.","start":1238.615,"end":1239.115,"sentiment":"neutral","sentiment_score":-0.13083922863006592}],"sentiment":"neutral","sentiment_score":-0.13083922863006592,"channel":1,"num_words":1,"start":1238.615,"end":1239.115},{"sentences":[{"text":"No.","start":1240.0399,"end":1240.44,"sentiment":"neutral","sentiment_score":-0.15904217958450317},{"text":"It needs to be updated.","start":1240.44,"end":1241.6599,"sentiment":"neutral","sentiment_score":-0.158812952041626}],"sentiment":"neutral","sentiment_score":-0.1588511566321055,"channel":0,"num_words":6,"start":1240.0399,"end":1241.6599},{"sentences":[{"text":"Yeah.","start":1242.295,"end":1242.795,"sentiment":"neutral","sentiment_score":0.00799914076924324}],"sentiment":"neutral","sentiment_score":0.00799914076924324,"channel":1,"num_words":1,"start":1242.295,"end":1242.795},{"sentences":[{"text":"Yeah.","start":1243.64,"end":1243.96,"sentiment":"neutral","sentiment_score":0.027624834328889847},{"text":"That's","start":1243.96,"end":1244.2799,"sentiment":"neutral","sentiment_score":0.06480230391025543}],"sentiment":"neutral","sentiment_score":0.04621356911957264,"channel":0,"num_words":2,"start":1243.64,"end":1244.2799},{"sentences":[{"text":"So 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I?","start":1256.8501,"end":1257.41,"sentiment":"neutral","sentiment_score":-0.0091673219576478},{"text":"Or or are you asking me?","start":1257.41,"end":1259.91,"sentiment":"neutral","sentiment_score":-0.010993697680532932}],"sentiment":"neutral","sentiment_score":-0.01053710374981165,"channel":1,"num_words":8,"start":1256.8501,"end":1259.91},{"sentences":[{"text":"Yeah.","start":1260.64,"end":1260.88,"sentiment":"neutral","sentiment_score":-0.005803784355521202},{"text":"Do you know if","start":1260.88,"end":1261.6,"sentiment":"neutral","sentiment_score":-0.013376625953242183}],"sentiment":"neutral","sentiment_score":-0.011862057633697987,"channel":0,"num_words":5,"start":1260.64,"end":1261.6},{"sentences":[{"text":"Oh,","start":1261.5701,"end":1262.0701,"sentiment":"neutral","sentiment_score":-0.024112112820148468}],"sentiment":"neutral","sentiment_score":-0.024112112820148468,"channel":1,"num_words":1,"start":1261.5701,"end":1262.0701},{"sentences":[{"text":"it 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make sure I have everything correct there, I'm gonna go back.","start":1362.065,"end":1366.145,"sentiment":"neutral","sentiment_score":0.03557926637586206},{"text":"I'll do some research on the the current super fund you have, the investment that you're currently in, how that's been performing.","start":1366.145,"end":1371.925,"sentiment":"neutral","sentiment_score":0.03467364338311282},{"text":"I'll look at the other options within Hub twenty four and any other super funds out there to make sure you're in the best fund possible.","start":1372.44,"end":1378.86,"sentiment":"neutral","sentiment_score":0.112220898270607}],"sentiment":"neutral","sentiment_score":0.06852339939073179,"channel":0,"num_words":66,"start":1360.545,"end":1378.86},{"sentences":[{"text":"Look at, obviously, the portfolio, any other portfolios that we do have access to and sort of make sure that, you know, things are working as hard as possible for 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often.","start":1571.92,"end":1581.2001,"sentiment":"neutral","sentiment_score":-0.046280751325960816},{"text":"So at some point, I do need to turn on our ongoing service fee.","start":1581.2001,"end":1585.515,"sentiment":"neutral","sentiment_score":-0.053519776090979576},{"text":"At the moment, the ongoing service fee is 1.65% per annum.","start":1585.755,"end":1589.675,"sentiment":"neutral","sentiment_score":-0.015229566615413536}],"sentiment":"neutral","sentiment_score":0.00905461401540648,"channel":0,"num_words":108,"start":1557.46,"end":1589.675},{"sentences":[{"text":"It is deducted from your super fund on a monthly basis in smaller monthly increments.","start":1589.675,"end":1594.095,"sentiment":"neutral","sentiment_score":0.046280316946407156},{"text":"As part of the advice, I'll show you what that looks like.","start":1594.635,"end":1597.515,"sentiment":"neutral","sentiment_score":0.13081408540407816},{"text":"We wanna make sure, obviously, your super is working, and we can't charge a fee for our services if your super isn't working harder and, you know, making that money.","start":1597.515,"end":1606.72,"sentiment":"neutral","sentiment_score":0.15978597874442738},{"text":"But I do need to obviously make sure I do put that on at some point.","start":1607.82,"end":1611.5,"sentiment":"neutral","sentiment_score":0.09739422192797065},{"text":"And it looks like this year with updating the advice and moving things around a bit, we're gonna have to do that.","start":1611.5,"end":1616.805,"sentiment":"neutral","sentiment_score":0.11802858452905308}],"sentiment":"neutral","sentiment_score":0.11802620580910068,"channel":0,"num_words":95,"start":1589.675,"end":1616.805},{"sentences":[{"text":"Do you have any questions?","start":1617.285,"end":1618.5651,"sentiment":"neutral","sentiment_score":0.09149419069290161},{"text":"Does that make sense?","start":1618.5651,"end":1619.685,"sentiment":"neutral","sentiment_score":0.09175289049744606},{"text":"And is there any","start":1619.685,"end":1620.4851,"sentiment":"neutral","sentiment_score":0.029265485238283873}],"sentiment":"neutral","sentiment_score":0.07242649664672521,"channel":0,"num_words":13,"start":1617.285,"end":1620.4851},{"sentences":[{"text":"Okay.","start":1620.29,"end":1620.79,"sentiment":"neutral","sentiment_score":0.01320634689182043}],"sentiment":"neutral","sentiment_score":0.01320634689182043,"channel":1,"num_words":1,"start":1620.29,"end":1620.79},{"sentences":[{"text":"kind of concerns around that?","start":1620.4851,"end":1622.1051,"sentiment":"neutral","sentiment_score":-0.016732164844870567},{"text":"Yeah.","start":1622.405,"end":1622.905,"sentiment":"neutral","sentiment_score":-0.007725805044174194}],"sentiment":"neutral","sentiment_score":-0.015231104878087839,"channel":0,"num_words":6,"start":1620.4851,"end":1622.905},{"sentences":[{"text":"No.","start":1622.53,"end":1622.93,"sentiment":"neutral","sentiment_score":-0.12580792605876925},{"text":"No.","start":1622.93,"end":1623.43,"sentiment":"neutral","sentiment_score":-0.12492071092128754},{"text":"Do I is is he hooking me up with a discount for being his sister?","start":1623.605,"end":1627.385,"sentiment":"neutral","sentiment_score":-0.10252604857087136}],"sentiment":"neutral","sentiment_score":-0.10521290385547806,"channel":1,"num_words":17,"start":1622.53,"end":1627.385},{"sentences":[{"text":"I will absolutely ask him what he wants to do with that.","start":1628.405,"end":1631.3651,"sentiment":"neutral","sentiment_score":-0.0714518294359247},{"text":"I just have to","start":1631.3651,"end":1632.09,"sentiment":"neutral","sentiment_score":-0.0077196452766656876}],"sentiment":"neutral","sentiment_score":-0.05551878339610994,"channel":0,"num_words":16,"start":1628.405,"end":1632.09},{"sentences":[{"text":"Yeah.","start":1631.845,"end":1632.345,"sentiment":"neutral","sentiment_score":-0.002942606806755066}],"sentiment":"neutral","sentiment_score":-0.002942606806755066,"channel":1,"num_words":1,"start":1631.845,"end":1632.345},{"sentences":[{"text":"disclose what the full fee is, and","start":1632.1699,"end":1633.77,"sentiment":"neutral","sentiment_score":0.012122955705438341}],"sentiment":"neutral","sentiment_score":0.012122955705438341,"channel":0,"num_words":7,"start":1632.1699,"end":1633.77},{"sentences":[{"text":"Yeah.","start":1633.685,"end":1634.185,"sentiment":"neutral","sentiment_score":0.05591624230146408}],"sentiment":"neutral","sentiment_score":0.05591624230146408,"channel":1,"num_words":1,"start":1633.685,"end":1634.185},{"sentences":[{"text":"I'll make sure I kinda come back and see what Bart wants to do with that.","start":1633.77,"end":1637.87,"sentiment":"neutral","sentiment_score":0.06623783498071134},{"text":"But I'll I'll essentially put that in the advice document for you and let you know essentially what that looks like, how it affects your super moving forward, and then we'll make sure we keep reviewing things to keep you on track.","start":1638.09,"end":1650.685,"sentiment":"neutral","sentiment_score":0.30384832265831174},{"text":"Is that okay?","start":1650.685,"end":1651.665,"sentiment":"neutral","sentiment_score":0.1855796774228414}],"sentiment":"neutral","sentiment_score":0.23570776956736064,"channel":0,"num_words":61,"start":1633.77,"end":1651.665},{"sentences":[{"text":"Right.","start":1651.3049,"end":1651.8049,"sentiment":"neutral","sentiment_score":0.10745931416749954},{"text":"Yep.","start":1651.945,"end":1652.445,"sentiment":"neutral","sentiment_score":0.1125403642654419}],"sentiment":"neutral","sentiment_score":0.10999983921647072,"channel":1,"num_words":2,"start":1651.3049,"end":1652.445},{"sentences":[{"text":"Yes.","start":1652.525,"end":1652.925,"sentiment":"neutral","sentiment_score":0.11927276104688644},{"text":"And I do apologize.","start":1652.925,"end":1653.985,"sentiment":"neutral","sentiment_score":-0.025883290916681293},{"text":"I wasn't aware that you're about the system.","start":1654.045,"end":1655.885,"sentiment":"neutral","sentiment_score":-0.12889775354415178},{"text":"So sorry.","start":1655.885,"end":1656.7051,"sentiment":"neutral","sentiment_score":-0.11132322996854782},{"text":"It's all good.","start":1659.9801,"end":1660.7001,"sentiment":"neutral","sentiment_score":0.11654273855189483}],"sentiment":"neutral","sentiment_score":-0.049358926403025784,"channel":0,"num_words":18,"start":1652.525,"end":1660.7001},{"sentences":[{"text":"But now look, honestly, I look after everyone exactly the same.","start":1660.7001,"end":1663.7401,"sentiment":"neutral","sentiment_score":0.0989959104494615},{"text":"Every client is just as important.","start":1663.7401,"end":1665.3401,"sentiment":"neutral","sentiment_score":0.1314836616317431},{"text":"I'll look after you no different.","start":1665.3401,"end":1667.2001,"sentiment":"neutral","sentiment_score":0.06664940776924293},{"text":"We just wanna make sure your super is working harder for you.","start":1667.42,"end":1669.9801,"sentiment":"neutral","sentiment_score":0.0887792104234298},{"text":"And, again, I'm very sorry for everything that you're going through.","start":1669.9801,"end":1672.54,"sentiment":"negative","sentiment_score":-0.4106307192282243}],"sentiment":"neutral","sentiment_score":-0.025518129458246025,"channel":0,"num_words":46,"start":1660.7001,"end":1672.54},{"sentences":[{"text":"We'll take it slow.","start":1672.54,"end":1673.68,"sentiment":"negative","sentiment_score":-0.34220754727721214},{"text":"I'll look at your super, the investments, how everything's projecting out.","start":1674.315,"end":1677.835,"sentiment":"neutral","sentiment_score":0.05197080597281456},{"text":"I'll show you the advice document with everything laid out in it, then you get to take it away and read it the same as you did with the original.","start":1677.835,"end":1684.4149,"sentiment":"neutral","sentiment_score":0.23254461189111073},{"text":"And then you get to tell me whether you like it, whether you don't, any changes you wanna make, and we'll keep reviewing things to make sure your super is working harder for you.","start":1684.875,"end":1692.48,"sentiment":"neutral","sentiment_score":0.24809912789393873},{"text":"Does that sound okay?","start":1692.48,"end":1693.62,"sentiment":"neutral","sentiment_score":0.31524384766817093}],"sentiment":"neutral","sentiment_score":0.1912714791854462,"channel":0,"num_words":83,"start":1672.54,"end":1693.62},{"sentences":[{"text":"Yep.","start":1694.24,"end":1694.74,"sentiment":"neutral","sentiment_score":0.19162818789482117}],"sentiment":"neutral","sentiment_score":0.19162818789482117,"channel":1,"num_words":1,"start":1694.24,"end":1694.74},{"sentences":[{"text":"Yeah.","start":1695.28,"end":1695.6799,"sentiment":"neutral","sentiment_score":0.18865785002708435},{"text":"Do you have any questions?","start":1695.6799,"end":1696.7999,"sentiment":"neutral","sentiment_score":0.14178330302238465},{"text":"Is there anything else that you think I may not have touched on that might be important to you?","start":1696.7999,"end":1700.48,"sentiment":"neutral","sentiment_score":0.008475464229520998},{"text":"I know it's still very early.","start":1700.48,"end":1701.76,"sentiment":"neutral","sentiment_score":-0.08626791834831238},{"text":"I hope you had your","start":1701.76,"end":1702.5599,"sentiment":"neutral","sentiment_score":0.08072978109121323}],"sentiment":"neutral","sentiment_score":0.0262402661351694,"channel":0,"num_words":36,"start":1695.28,"end":1702.5599},{"sentences":[{"text":"Uh-huh.","start":1702.405,"end":1702.905,"sentiment":"neutral","sentiment_score":0.03356076031923294}],"sentiment":"neutral","sentiment_score":0.03356076031923294,"channel":1,"num_words":1,"start":1702.405,"end":1702.905},{"sentences":[{"text":"coffee at least.","start":1702.5599,"end":1703.5399,"sentiment":"neutral","sentiment_score":0.011534657329320908}],"sentiment":"neutral","sentiment_score":0.011534657329320908,"channel":0,"num_words":3,"start":1702.5599,"end":1703.5399},{"sentences":[{"text":"Yeah.","start":1704.405,"end":1704.725,"sentiment":"neutral","sentiment_score":0.02303667739033699},{"text":"No.","start":1704.725,"end":1704.965,"sentiment":"neutral","sentiment_score":-0.09016646444797516},{"text":"That's all.","start":1704.965,"end":1705.785,"sentiment":"neutral","sentiment_score":-0.04168632905930281}],"sentiment":"neutral","sentiment_score":-0.037625611294060946,"channel":1,"num_words":4,"start":1704.405,"end":1705.785},{"sentences":[{"text":"That's okay.","start":1706.495,"end":1707.375,"sentiment":"positive","sentiment_score":0.35983042418956757},{"text":"Beautiful.","start":1707.375,"end":1707.875,"sentiment":"positive","sentiment_score":0.7242836356163025}],"sentiment":"positive","sentiment_score":0.4813148279984792,"channel":0,"num_words":3,"start":1706.495,"end":1707.875},{"sentences":[{"text":"Yeah.","start":1707.765,"end":1708.265,"sentiment":"positive","sentiment_score":0.37135568261146545}],"sentiment":"positive","sentiment_score":0.37135568261146545,"channel":1,"num_words":1,"start":1707.765,"end":1708.265},{"sentences":[{"text":"I'll go back to Barton to double check the fee structure, make sure that, obviously, if there's any discount he wants to apply, we'll do that for you, and I'll make sure it's reflected in the advice document.","start":1708.495,"end":1718.595,"sentiment":"neutral","sentiment_score":0.2287253490404079},{"text":"Okay?","start":1718.815,"end":1719.315,"sentiment":"neutral","sentiment_score":0.14190168678760529}],"sentiment":"neutral","sentiment_score":0.226499101290336,"channel":0,"num_words":39,"start":1708.495,"end":1719.315},{"sentences":[{"text":"Thanks.","start":1719.35,"end":1719.85,"sentiment":"positive","sentiment_score":0.6384086012840271},{"text":"Thank you.","start":1720.0701,"end":1720.89,"sentiment":"positive","sentiment_score":0.7035431861877441}],"sentiment":"positive","sentiment_score":0.6818316578865051,"channel":1,"num_words":3,"start":1719.35,"end":1720.89},{"sentences":[{"text":"That's okay.","start":1720.64,"end":1721.38,"sentiment":"positive","sentiment_score":0.6296136975288391},{"text":"I hope you have a really good day, Camilla.","start":1721.6799,"end":1723.86,"sentiment":"positive","sentiment_score":0.7952457732624478}],"sentiment":"positive","sentiment_score":0.7651308504017916,"channel":0,"num_words":11,"start":1720.64,"end":1723.86},{"sentences":[{"text":"Thank you.","start":1724.39,"end":1725.03,"sentiment":"positive","sentiment_score":0.740041583776474},{"text":"Talk to you soon.","start":1725.03,"end":1726.0901,"sentiment":"positive","sentiment_score":0.4809875190258026}],"sentiment":"positive","sentiment_score":0.5673388739426931,"channel":1,"num_words":6,"start":1724.39,"end":1726.0901},{"sentences":[{"text":"No worries.","start":1726.4,"end":1726.96,"sentiment":"neutral","sentiment_score":0.18080779910087585},{"text":"I'll talk to you","start":1726.96,"end":1727.52,"sentiment":"neutral","sentiment_score":0.21833821386098862}],"sentiment":"neutral","sentiment_score":0.2058280756076177,"channel":0,"num_words":6,"start":1726.4,"end":1727.52},{"sentences":[{"text":"Alright.","start":1727.43,"end":1727.93,"sentiment":"neutral","sentiment_score":0.15905889868736267}],"sentiment":"neutral","sentiment_score":0.15905889868736267,"channel":1,"num_words":1,"start":1727.43,"end":1727.93},{"sentences":[{"text":"soon.","start":1727.52,"end":1727.84,"sentiment":"neutral","sentiment_score":0.18989285826683044},{"text":"See you later.","start":1727.84,"end":1728.48,"sentiment":"neutral","sentiment_score":0.31060029069582623}],"sentiment":"neutral","sentiment_score":0.28042343258857727,"channel":0,"num_words":4,"start":1727.52,"end":1728.48},{"sentences":[{"text":"Thank you.","start":1728.23,"end":1728.79,"sentiment":"positive","sentiment_score":0.6076054871082306}],"sentiment":"positive","sentiment_score":0.6076054871082306,"channel":1,"num_words":2,"start":1728.23,"end":1728.79},{"sentences":[{"text":"Bye.","start":1728.48,"end":1728.98,"sentiment":"neutral","sentiment_score":0.32419395446777344}],"sentiment":"neutral","sentiment_score":0.32419395446777344,"channel":0,"num_words":1,"start":1728.48,"end":1728.98},{"sentences":[{"text":"Bye.","start":1728.79,"end":1729.29,"sentiment":"neutral","sentiment_score":-0.11257987469434738}],"sentiment":"neutral","sentiment_score":-0.11257987469434738,"channel":1,"num_words":1,"start":1728.79,"end":1729.29}]},"summary":{"result":"success","short":"Representatives from O labels Financial speak with Camilla about annual reviews, tax file, income and retirement goals, and updating the super fund to include more investment options. They emphasize the importance of maintaining coverage for longevity and emphasize the importance of updating retirement goals and financial information. The agents emphasize the importance of providing a will and power of attorney to ensure coverage and updating financial information. They also offer to provide recommendations for updating retirement goals and suggest reviewing retirement savings. The conversation ends with the agents apologizing for the customer's recent breakup and scheduling a follow-up call."},"intents":{"segments":[{"text":"You called your name and reason for calling. I'll see if this person is available.","start_word":1,"end_word":15,"intents":[{"intent":"Check availability","confidence_score":0.26999277}]},{"text":"I had you booked in to go through your annual review. Is now still a good time there for you? Yep.","start_word":41,"end_word":61,"intents":[{"intent":"Confirm call time","confidence_score":0.012211807}]},{"text":"And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start_word":115,"end_word":141,"intents":[{"intent":"Confirm identity","confidence_score":0.04829818}]},{"text":"So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those? Yeah.","start_word":153,"end_word":185,"intents":[{"intent":"Check access to emails","confidence_score":0.0073556257},{"intent":"Navigate to email","confidence_score":0.00027388468}]},{"text":"So we normally just send through some annual review documents to you via email for you to look at. That way you can sort of see the documents that I'm going through and have a Yes.","start_word":193,"end_word":228,"intents":[{"intent":"Send annual review documents","confidence_score":0.39709774}]},{"text":"So with that one there, if you just have a look at the main email and just scroll down just slightly, there should be some attachments there. If they're not, it looks like the attachments might have dropped off, but There's something that says sign document. yeah.","start_word":292,"end_word":338,"intents":[{"intent":"Look at attachments","confidence_score":0.030147327}]},{"text":"I can just quickly shoot them through to you separately. Do I sign this My document here?","start_word":363,"end_word":379,"intents":[{"intent":"Send documents separately","confidence_score":0.00095218915}]},{"text":"Do I sign this My document here? not just yet.","start_word":373,"end_word":382,"intents":[{"intent":"Document document","confidence_score":0.0010148846}]},{"text":"So we essentially send that out and get everyone just to confirm to see you're aware we do hold your tax file number.","start_word":400,"end_word":422,"intents":[{"intent":"Confirm identity","confidence_score":0.1359793}]},{"text":"So we just like to make sure that you're aware of that, obviously, the circumstances around that, and also just making sure that, you know, you're aware of the security around that sort of thing because it is very sensitive information. Okay? Beautiful.","start_word":470,"end_word":512,"intents":[{"intent":"Inquire about security","confidence_score":0.00928223},{"intent":"Ensure understanding","confidence_score":0.005691411}]},{"text":"We could, if you're comfortable, go back to the drawing board, have a look at the investment that you're in, and look at maybe updating the super fund and the investments to see if we can get some greater growth moving forward.","start_word":1180,"end_word":1221,"intents":[{"intent":"Update super fund","confidence_score":0.017469255}]},{"text":"Having a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole.","start_word":1337,"end_word":1375,"intents":[{"intent":"Evaluate super fund","confidence_score":0.11327483}]},{"text":"And now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement?","start_word":1693,"end_word":1723,"intents":[{"intent":"Calculate income sources","confidence_score":0.00003698115}]},{"text":"What year model is it? What would it be?","start_word":2029,"end_word":2037,"intents":[{"intent":"Confirm vehicle model","confidence_score":0.0074786823}]},{"text":"I'm just having a quick look at some of the tools I have to see what sort of average value I did, it might be.","start_word":2043,"end_word":2067,"intents":[{"intent":"Check asset value","confidence_score":0.024040455}]},{"text":"Did you want me to put the 38 down there for you?","start_word":2137,"end_word":2148,"intents":[{"intent":"Put price","confidence_score":0.03886431}]},{"text":"I had here that your loan was about 35,000. How much do you have left on that one to pay?","start_word":2172,"end_word":2191,"intents":[{"intent":"Work out loan amount","confidence_score":0.056374572}]},{"text":"No.","start_word":2290,"end_word":2290,"intents":[{"intent":"Clear loan","confidence_score":0.036727935}]},{"text":"And the level of cover, that 1,102,500, do you feel like that's appropriate? Did you wanna look at reviewing that amount at all? Are you happy just to keep it as is? Yeah.","start_word":2628,"end_word":2660,"intents":[{"intent":"Review policy details","confidence_score":0.017279427}]},{"text":"I'm not sure if anyone's kind of made mention before, but I do like to confirm, TBD, if you do claim it and you're under the age of 60, is actually a taxable payment, and the tax can be up to 22%.","start_word":2744,"end_word":2785,"intents":[{"intent":"Confirm tbd","confidence_score":0.009760276}]},{"text":"Do you have any questions about the two types of cover you have, how they work, or anything around those? Yeah.","start_word":3092,"end_word":3112,"intents":[{"intent":"Inquire about coverage options","confidence_score":0.004117963}]},{"text":"Do you think 85,000 per year in retirement would be fairly comfortable for you, or do you think you wanna maybe have a little bit more Did for you did spending you say and enjoyment? did you say did you say 5,000 per year?","start_word":4335,"end_word":4378,"intents":[{"intent":"Examine retirement goals","confidence_score":0.0024538813}]},{"text":"And then, you know, you can always tell me that you don't like that or you're not comfortable with that, and we can go back to the drawing board. Yeah.","start_word":4462,"end_word":4491,"intents":[{"intent":"Change management plan","confidence_score":0.0000024032292}]}]},"sentiments":{"segments":[{"text":"You called your name and reason for calling. I'll see if this person is available. Dana, OQ Financial, annual review. Thanks, Dana. Please Hello? Hi, Camilla. This is Dana from Okie Financial. How are you this morning?","start_word":0,"end_word":36,"sentiment":"neutral","sentiment_score":0.10117325186729433},{"text":"Good. Thanks. That's good.","start_word":37,"end_word":40,"sentiment":"positive","sentiment_score":0.5721858143806458},{"text":"I had you booked in to go through your annual review. Is now still a good time there for you? Yep. That's fine.","start_word":41,"end_word":63,"sentiment":"neutral","sentiment_score":0.25704798102378845},{"text":"Oh, fantastic.","start_word":64,"end_word":65,"sentiment":"positive","sentiment_score":0.5088505744934082},{"text":"And how's your morning been so far? No. Not too bad.","start_word":66,"end_word":76,"sentiment":"neutral","sentiment_score":0.22763732075691223},{"text":"Thanks. That's good.","start_word":77,"end_word":79,"sentiment":"positive","sentiment_score":0.46607568860054016},{"text":"Camilla, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. That's fine.","start_word":80,"end_word":113,"sentiment":"neutral","sentiment_score":0.1390114426612854},{"text":"Fantastic.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.5665640234947205},{"text":"And just to do security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Camilla Louise Barrett, '16 to the Yep. December. Yep.","start_word":115,"end_word":150,"sentiment":"neutral","sentiment_score":0.1318383812904358},{"text":"Beautiful.","start_word":151,"end_word":151,"sentiment":"positive","sentiment_score":0.3911770284175873},{"text":"Fantastic. So, Camilla, just to sort of jump into things at the moment, do you happen to have access to your emails, or is now not a good time to look at those? Yeah. I can do that. Yeah. That's okay. So we normally just send through some annual review documents to you via email for you to look at. That way you can sort of see the documents that I'm going through and have a Yes. look at them as well. I'll just press send on that one. Hopefully, it Okay. comes through fairly quickly for you. All good. Now it has gone through there. It'll come through from Odoo sign there for you and possibly from my email saying that Odoo Financial dot com dot a u. Beautiful. Okay. I've received it. Let me have a look. Fantastic. So with that one there, if you just have a look at the main email and just scroll down just slightly, there should be some attachments there. If they're not, it looks like the attachments might have dropped off, but There's something that says sign document. yeah. That'll be a task file opt in form. It looks like oh, sorry. It looks like the attachment dropped off the email. That's okay. I can just quickly shoot them through to you separately. Do I sign this My document here? not just yet. So with that document there, just to let you know, it is a tax file consent form. So we essentially send that out and get everyone just to confirm to see you're aware we do hold your tax file number. If at any Mhmm. point you're, you know, concerned or unsure with that, just let us know. But, essentially, the idea is because we set up your super fund, we do need to make sure we do hold a copy of tax phone number for that purpose. So we just like to make sure that you're aware of that, obviously, the circumstances around that, and also just making sure that, you know, you're aware of the security around that sort of thing because it is very sensitive information. Okay?","start_word":152,"end_word":511,"sentiment":"neutral","sentiment_score":0.0351304780640122},{"text":"Beautiful.","start_word":512,"end_word":512,"sentiment":"positive","sentiment_score":0.3406083583831787},{"text":"It looks like the attachments just dropped off as that came through. It said here the file was slightly too large. So I'm just gonna reattach those attachments to another email for you Yep. and just Yep. send that through separately. Sorry about that. You're right.","start_word":513,"end_word":558,"sentiment":"neutral","sentiment_score":-0.08902625739574432},{"text":"Beautiful.","start_word":559,"end_word":559,"sentiment":"positive","sentiment_score":0.3550962209701538},{"text":"Okay. There we go. And you're working from home this morning. Is that right? Yeah. Yeah.","start_word":560,"end_word":575,"sentiment":"neutral","sentiment_score":0.12072145193815231},{"text":"Oh, fantastic.","start_word":576,"end_word":577,"sentiment":"positive","sentiment_score":0.36126452684402466},{"text":"Do you work from home very often or just a No. a once off here and there? Yeah. No? Just occasionally. Yeah.","start_word":578,"end_word":599,"sentiment":"neutral","sentiment_score":0.031090615317225456},{"text":"Oh, it's good to be able to work from home on a chilly morning.","start_word":600,"end_word":613,"sentiment":"positive","sentiment_score":0.3457812964916229},{"text":"It is. Yeah. I did forget. Like, I always bring my laptop home, but I didn't Oh, bring the charger. So I'm like, oh. no. Hopefully, it survives the day for you. Yeah. I've I've got my work phone, but it's hard to do certain things off the phone. Yeah. Much smaller screen there, isn't it? Yeah. Says I've got 68% remaining. Wow. Well, hopefully, that lasts for you. I just Yeah. sent that separate email there with the attachments documents. I do apologize that they dropped off. It just came back saying file too large. So I've just snip it a few of the ones that you I need to send through to you. That way you've got those there. Okay. Hopefully, it pops through fairly quickly for you. Nothing's coming through yet. No. That's okay. If you like, because you're working today, I can just run through the documents. You're welcome to have a bit of a look once they do through. Also, just Yeah. check your junk mailbox as well. Sometimes I get redirected through the junk. That's not a problem at all. But I do have the reports in front. So one of the things that we were looking at was when you came on board, originally, we have placed you into one of the cheapest super funds within Hub 24 there to kinda get your balance growing. And now you're just under that $100,000 mark. So it's about looking at whether we provide additional advice and move you into a more sophisticated portfolio and kind of keep things building and growing towards your retirement goals. Yeah. When I do have a look back at this time last year, your balance then was about $64,003.54 and 61<unk> then. Yes. Looking at your balance now, you've got a total balance in there currently of, sorry, $94,003.92 and 25<unk>.","start_word":614,"end_word":927,"sentiment":"neutral","sentiment_score":0.079054506477799},{"text":"So you have seen a lovely increase there over the last twelve months.","start_word":927,"end_word":940,"sentiment":"positive","sentiment_score":0.4486955106258392},{"text":"Obviously, your contributions are going in. You're still salary sacrificing quite a good amount at $500 on a weekly basis. Is that right? Fortnightly. Fortnightly. No. That's okay. Yeah. Sorry about that.","start_word":940,"end_word":972,"sentiment":"neutral","sentiment_score":0.06344851851463318},{"text":"Beautiful. And you're happy doing that.","start_word":972,"end_word":978,"sentiment":"positive","sentiment_score":0.4824976623058319},{"text":"Is there any sort of concerns around the the difference in income or your take home pay? You're sort of happy continuing with that salary sacrifice? I'll continue. It is tough. It's just tough with Yeah. everything, but I'll just continue for now. Yeah. That's okay. We could always look to reduce that back a little bit if you are finding your take home pay is a little bit tight. It's understandable. The cost of living is extremely high. But if you're Yeah. happy to continue with doing that for the moment, that's absolutely fine. Yep. With your returns, when we look at returns, we're looking at essentially the income that's being produced out of the super fund as well as any additional growth as a Yep. whole after any admin fees within the fund.","start_word":978,"end_word":1110,"sentiment":"neutral","sentiment_score":0.030766946536705905},{"text":"You've made 12.18% for the year. So it is a good solid return. You've seen some really good growth in your super fund there.","start_word":1111,"end_word":1134,"sentiment":"positive","sentiment_score":0.7168827652931213},{"text":"Mhmm. And, you know, if you're depending on what you sort of open to, I know you sort of had emailed through wanting to have a bit of a look at your super and look at whether it's worth making any alterations or changes there. We could, if you're comfortable, go back to the drawing board, have a look at the investment that you're in, and look at maybe updating the super fund and the investments to see if we can get some greater growth moving forward. Does that sound like something you're open to? Or Yeah. yeah. Yep.","start_word":1135,"end_word":1233,"sentiment":"neutral","sentiment_score":0.07703669369220734},{"text":"Beautiful. Excellent.","start_word":1234,"end_word":1235,"sentiment":"positive","sentiment_score":0.6237608790397644},{"text":"Did you want me to, as part of looking at this scenario, keep that salary sacrifice to the $500 per fortnight? Or did you wanna maybe just bring it back a little bit knowing that your income's a little bit tight with with the extra money going into sleep. What do you wanna do, Camilla? No. We'll leave that for now. We'll leave it. We'll Not just a problem yeah. at all. Yeah.","start_word":1236,"end_word":1308,"sentiment":"neutral","sentiment_score":-0.017624882981181145},{"text":"That's absolutely fine.","start_word":1309,"end_word":1311,"sentiment":"positive","sentiment_score":0.3928297162055969},{"text":"Hopefully, we get a little bit of release.","start_word":1312,"end_word":1319,"sentiment":"neutral","sentiment_score":0.2826136648654938},{"text":"All good.","start_word":1320,"end_word":1321,"sentiment":"positive","sentiment_score":0.4768650531768799},{"text":"So you as I mentioned, your balance at the moment is $94,003.92 and 25<unk>. Having a look at your retirement goals instead of looking at what you're tracking for forward, Part of what I do when I look at doing advice and updating the portfolio, I reevaluate the super fund as a whole. So Hub twenty four has essentially, it is the super fund, but it does have different different stages to the fund where, at the moment, you're in the discovery option, which is the cheapest version of the fund. In order to have different investments and to open up different investment menus, we do have to look at the super fund and maybe move you into a different component of hub twenty four. So they have Yeah. the three different investment options, and the different investment options give us access to different investments. Are you happy with me looking at hub twenty four at the super fund as a whole and working out how best to structure the investments for you in Yes, any way please. that works better. Yeah. That's Yeah.","start_word":1322,"end_word":1505,"sentiment":"neutral","sentiment_score":0.057723507568564106},{"text":"okay. Beautiful. Lovely.","start_word":1506,"end_word":1508,"sentiment":"positive","sentiment_score":0.5932525992393494},{"text":"And when you think towards about, you know, your goals and what you're tracking for when you would like to realistically retire, when I kind of look back to when you came on board originally and Bart had done up the advice for you, we were tracking forward to, I believe, around about age 65. Are you changing that? Are you still comfortable with that? When do you realistically wanna be able to stop working? I don't know. I'm sure I'll never be able to stop working. Oh, I hope not. We wanna make sure you can. Yeah. I don't know. Let's just stick with that age for now. Yeah. 65, not a problem at all. If that ever does change, we can alter the advice. It's not a problem at all. I'll just track forward to see what 65 looks like. Did Yeah. you want me to look at maybe as an alternative option, 60 as well just to see where you're tracking for it, 60 as well as 65 to give you that option? Sure. Yep. 60 and 65.","start_word":1509,"end_word":1689,"sentiment":"neutral","sentiment_score":0.01995573751628399},{"text":"Beautiful. Excellent.","start_word":1690,"end_word":1691,"sentiment":"positive","sentiment_score":0.6311811208724976},{"text":"And now it's a bit more of a tough one, but do you know sort of what income you'd be hoping to be able to draw down from super in retirement? Have you sort of thought about what comfortable income you'd like to live on when you get to that point? No. No.","start_word":1692,"end_word":1744,"sentiment":"neutral","sentiment_score":-0.04893212765455246},{"text":"Probably, I mean, it's just ridiculous, and I'm paying rent, and I'm on my own.","start_word":1745,"end_word":1759,"sentiment":"negative","sentiment_score":-0.36590272188186646},{"text":"So, like, you're gonna Yeah. I don't even know. You're gonna need, like, $2,000 a week, realistically, Yeah. like, How half much of that is to cover yeah. And for how much rent are you paying at the moment? rent. Or at the moment, it's 7 so $7.30. $7.30? Seven 40. $7.40. $7.40? Yeah. Is that Yeah. per I just week? yeah. Yep. Okay.","start_word":1760,"end_word":1823,"sentiment":"neutral","sentiment_score":-0.04111044853925705},{"text":"Beautiful.","start_word":1824,"end_word":1824,"sentiment":"positive","sentiment_score":0.3413844704627991},{"text":"And income wise, we had you earning about 85,000 per annum last year. Is that about the same, or have you had an increase on that recently? No. I've had no increase. Nope. Should That's be okay. about It's the the same. same income. Yep. Absolutely fine. And I've got you still working for MMT care in health care? Yep. Yep. Beautiful. Having a look at other assets, the only thing I had noted here was your car. What kind of vehicle do you drive? Just a Mitsubishi Outlander.","start_word":1825,"end_word":1913,"sentiment":"neutral","sentiment_score":0.027661854401230812},{"text":"Oh, beautiful. It's a great car. Beautiful.","start_word":1914,"end_word":1920,"sentiment":"positive","sentiment_score":0.5402633547782898},{"text":"And I had an asset value on that of about 50,000 last time. I think that's some sort of when you came on board originally. Have you if you had to sell that vehicle tomorrow, what kind of value is it to you? What value would you put on it? Oh, I have no idea. I know it's That's got okay. I know I've got, like, a one year and three months left of payments, and then it's paid off. Yep. I have no idea. Would you just That's say, alright. like, 30 or something? I don't know. Yeah. That's okay.","start_word":1921,"end_word":2021,"sentiment":"neutral","sentiment_score":-0.02520460163307662},{"text":"We can absolutely put that on there.","start_word":2022,"end_word":2028,"sentiment":"positive","sentiment_score":0.4980298578739166},{"text":"What year model is it? What would it be? 02/1967. It's 2022. Yeah.","start_word":2029,"end_word":2041,"sentiment":"neutral","sentiment_score":0.03893697261810303},{"text":"Beautiful.","start_word":2042,"end_word":2042,"sentiment":"positive","sentiment_score":0.6420254111289978},{"text":"I'm just having a quick look at some of the tools I have to see what sort of average value I did, it might be. yeah, I did get the the touring one, which Yeah.","start_word":2043,"end_word":2077,"sentiment":"neutral","sentiment_score":0.22472894191741943},{"text":"was Perfect. So that would definitely be holding its value a the lot more.","start_word":2078,"end_word":2091,"sentiment":"positive","sentiment_score":0.38323044776916504},{"text":"top Touring. of the range. Okay. So it's saying here that estimated current value is between 31,500 to 38,300. Does that feel fairly accurate for you if you had to sell that that's sort of what you'd wanna would get for it? Yeah. Yeah. Yeah. Did you want me to put the 38 down there for you? It's probably holding its value quite nicely. Yeah. Let's put that. Yep.","start_word":2092,"end_word":2160,"sentiment":"neutral","sentiment_score":0.0919620469212532},{"text":"Beautiful.","start_word":2161,"end_word":2161,"sentiment":"positive","sentiment_score":0.5336034893989563},{"text":"And you mentioned you've nearly paid that off as well. I had here that your loan was about 35,000. How much do you have left on that one to pay? Well, I don't know. The repayments are 200 a week. So Okay. that's 800 a month times 15, whatever that is. Yep.","start_word":2162,"end_word":2213,"sentiment":"neutral","sentiment_score":0.05093695595860481},{"text":"That's absolutely fine.","start_word":2214,"end_word":2216,"sentiment":"positive","sentiment_score":0.34102559089660645},{"text":"I can work that out for you as an estimate. And you mentioned it should all be paid off in a few months? Well, in October next year. Oh, okay. October next year. Yeah. So a little over a year to go. Yep. Yeah. That's okay.","start_word":2217,"end_word":2262,"sentiment":"neutral","sentiment_score":0.0936521142721176},{"text":"Beautiful.","start_word":2263,"end_word":2263,"sentiment":"positive","sentiment_score":0.42283180356025696},{"text":"And do you have any kind of balloon payment that you'll need to make at the end of that, or would that clear the loan completely? No. That'll clear it completely. Oh, that's good. You've got some you're close to having it all paid off and owning it outright. Yeah. Looking at any other assets you do have, do you have any other cars, boats, caravans, or anything else of value that you'd note down? No. No. That's absolutely fine. Do you have any other personal loans, credit cards, or anything else debt wise that we should note down for you? I've got a credit card, which just has Yep. a $3,000 limit, and then Yep. I've got a latitude thing. I think it's got 5,000 on it limit. Okay.","start_word":2264,"end_word":2393,"sentiment":"neutral","sentiment_score":0.06306161917746067},{"text":"Beautiful.","start_word":2394,"end_word":2394,"sentiment":"positive","sentiment_score":0.415574163198471},{"text":"Another 2 and 5,000 limit.","start_word":2395,"end_word":2399,"sentiment":"neutral","sentiment_score":0.22378535568714145},{"text":"Beautiful. Thank you for updating all those details there for me.","start_word":2400,"end_word":2410,"sentiment":"positive","sentiment_score":0.6773051619529724},{"text":"Now the other thing we do wanna have a look at is the insurance side of things. So I know when you came on board originally having a look at things, we retained your level of cover, but we had reduced it down to about a million dollars. So since going, going to that reduction, your life in TBD cover has gone back through renewal. And as it goes through a renewal every year, the sum insured actually continues to increase back a little bit, and it means that the policy does get more expensive again over time. Your current life and TBD sum insured is 1,102,500. Given that you are realistically debt free, minus that little bit you low owe on the car there, in the event of, say, a life event, if you were to pass away, we hope nothing happens. But if that was to occur, obviously, the 1,102,500 is paid out, but then your super benefit can be paid out on top of that. Where was it that you were wanting that to go? Who are you wanting it to be paid to? My kids. Your kids? Lovely. And I've got the beneficiary nominated here as, we've got, sorry, Amber, Cooper, Jack, and Nate. Is that right? 25% to each? Yeah. Yeah. Lovely. And the level of cover, that 1,102,500, do you feel like that's appropriate? Did you wanna look at reviewing that amount at all? Are you happy just to keep it as is? Yeah.","start_word":2411,"end_word":2660,"sentiment":"neutral","sentiment_score":0.016318824142217636},{"text":"I don't wanna make it more. No. Absolutely not.","start_word":2661,"end_word":2669,"sentiment":"negative","sentiment_score":-0.391109436750412},{"text":"And with the TBD, so total permanent disability pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. You have the same level of PPD as you do have life, so that 1,102,500. In the event of a PPD claim as well, we can also claim against your super. So it does release the super to you as well. Mhmm. I'm not sure if anyone's kind of made mention before, but I do like to confirm, TBD, if you do claim it and you're under the age of 60, is actually a taxable payment, and the tax can be up to 22%. In the event of a claim, we would help you with the claim, and we also provide additional advice on how to limit the amount of tax there. But just knowing that that is an option, and there is tax depending on the claim and when the claim is made, Do you feel like that same level of TBD is appropriate? Did you wanna look at reviewing that in any way, and did you have any questions around TBD?","start_word":2670,"end_word":2864,"sentiment":"neutral","sentiment_score":0.06480507655785633},{"text":"No. I don't think so. It's a really unfair system, unfortunately. I definitely disagree that anyone who's TBD, if you're permanently incapacitated or disabled, the last thing the government should be doing is taxing that money.","start_word":2865,"end_word":2900,"sentiment":"negative","sentiment_score":-0.5756549835205078},{"text":"But, Yeah. unfortunately, it does happen. So I just like to make sure I'm giving you a little bit of information around how that works. If at any point you ever wanted to look at the TBD or the life cover or anything like that, let me know.","start_word":2901,"end_word":2948,"sentiment":"neutral","sentiment_score":-0.036512356251478195},{"text":"I'm more than happy to.","start_word":2949,"end_word":2953,"sentiment":"positive","sentiment_score":0.4029620587825775},{"text":"However, Mhmm.","start_word":2954,"end_word":2955,"sentiment":"neutral","sentiment_score":0.30976516008377075},{"text":"at the amount you do have, it is quite good.","start_word":2956,"end_word":2965,"sentiment":"positive","sentiment_score":0.4738702774047851},{"text":"I think one of the biggest things with TBD is just making sure that it, you know, realistically could cover the amount of money you have because one of the biggest things I do find or have found in the past is where TBD has been claimed, the client is able to take either a lump sum payment or an income stream and keep the money invested. But that money needs to be sufficient to last you longevity. So replace your income or, you know, give you a a certain standard of living basically right through retirement as well. So it's just about making sure that level of cover is sufficient for you. But you're comfortable with what you've got at the moment? Yes. That's okay. Do you have any questions about the two types of cover you have, how they work, or anything around those? Yeah. No. Not really. No. That's okay. Now looking at things, you don't have any income protection or trauma insurances. Do you understand what those types of cover are, how they work? Or No. Okay. Not not entirely. No. no. That's okay. So income protection can pay out a lump so any a monthly benefit in the event that you're unable to go to work in the short term. It can be one of the most expensive types cover that we do get because it's the first net we do tend to claim. Not having any income protection does mean that in the event that you're unable to go to work, you just need to be able to fall back on long service leave, sick leave, annual leave, have savings behind you, or some sort of income replacement. If you don't have access to that amount of money through, you know, your own savings, then, obviously, Centrelink is an option if you're eligible Yeah. there as well. Obviously, if you did wanna look at getting income protection, it is important to note that we would have to go through an application, assess your health, and look at what kind of terms would be applied. And the premiums can be a little bit more expensive if you're paying for it out of super can have an effect on your retirement as well because the amount paying paid out of super does reduce, you know, your retirement income at the end of things. But it's up to you. It's also gotta be important to you. And if having some sort of income replacement is important, then it's our job to make that happen for you. Do Mhmm. you have any thoughts about income protection? Is it important to look at, or you're comfortable not having it? How do you sort of feel about that? Well, I don't know. I'm a I'll just leave it for now. Yep.","start_word":2966,"end_word":3436,"sentiment":"neutral","sentiment_score":0.02071714696658265},{"text":"That's absolutely fine.","start_word":3437,"end_word":3439,"sentiment":"positive","sentiment_score":0.4921693205833435},{"text":"There are other types of insurances, but, I mean, we can essentially insure ourselves at the end of the world. You look at everything out there that you can insure for. You Mhmm. can also get other insurances like trauma, which pays out a lump sum benefit in the event that you're diagnosed with, say, a major medical condition like cancer, Parkinson's, heart attack, stroke, things like that. Trauma is an out of pocket expense. You can't hold it inside super like you can the other covers. Just double checking. You're happy just to forego anything additional for the moment. Yeah. Yeah. That's okay. I just wanna make sure that you're aware of the options and let you make the decision as to what's important to you. Okay?","start_word":3440,"end_word":3567,"sentiment":"neutral","sentiment_score":0.09922445565462112},{"text":"Yeah. Excellent. All good. Now the other thing, I can see your beneficiaries are in place here, and we've confirmed that they're as you would like them, which is fantastic.","start_word":3568,"end_word":3597,"sentiment":"positive","sentiment_score":0.5539493560791016},{"text":"With regard to your other estate planning side of things, I can see here that you had had a will in the past. Is your will still up to date and reflect your current circumstances? No. No. It needs to be updated. Yeah. Yeah. That's So much okay. to Do do you list. have oh, absolutely. It's on a lot of our to do list. Yeah. Do you know did your past will also account for a power of attorney? Did I? Or or are you asking me? Yeah. Do you know if Oh, it also no. had a power of attorney in place? I'm not sure. No. That's okay. That's okay. It is absolutely something to have a chat to a solicitor about. So if you've got a local solicitor that has done your will in the past that you're comfortable with, definitely having it updated is very important and making sure you have a power of attorney in place. Yeah. Essentially, a power of attorney is someone that you've chosen to make medical and or financial decisions if you're unable to to say, as an example, you have a car accident and, Mhmm. you know, you're medically incapacitated for a period of time in a coma or something, that power of attorney can then be enacted Yeah. where someone can follow your direction and make decisions for you as per your wishes. It sort of makes it a lot more it kind of puts a lot of things into perspective. It is a hard conversation to have with loved ones when you're picking a power of attorney. It doesn't have to be one person. You can have three. I know my mom has myself and my siblings as co power of attorney, so we all have to make that decision together. So it can always you know, it doesn't have to be one person, but it's just about making sure that all those things outside of your super and your life insurance are also covered, and having a will and power of attorney in place does that for you. Okay. Mhmm.","start_word":3598,"end_word":3950,"sentiment":"neutral","sentiment_score":0.05206839895408822},{"text":"Beautiful. Excellent. Basically, that's everything I kind of needed to go through.","start_word":3951,"end_word":3962,"sentiment":"positive","sentiment_score":0.41722115874290466},{"text":"Do you have any other goals over the next one, two, three, five years that you're looking to sort of achieve or anything else that you're wanting to, you know, focus on aside from super? No. Just sort of No? maximizing the amount that I'm putting away. Yeah. Absolutely. So just to sort of make sure I have everything correct there, I'm gonna go back. I'll do some research on the the current super fund you have, the investment that you're currently in, how that's been performing. I'll look at the other options within Hub twenty four and any other super funds out there to make sure you're in the best fund possible. Look at, obviously, the portfolio, any other portfolios that we do have access to and sort of make sure that, you know, things are working as hard as possible for you. Mhmm.","start_word":3963,"end_word":4107,"sentiment":"neutral","sentiment_score":0.040409959852695465},{"text":"And we'll keep those contributions at the same level for the time being with that salary sacrifice there.","start_word":4108,"end_word":4125,"sentiment":"positive","sentiment_score":0.35991764068603516},{"text":"We're working towards essentially an age of 65. Income wise, you weren't really sure about what income you'd like to sort of focus on in retirement because I am projecting out and looking at what we're able to achieve and how we can get things working harder for you. Would you just like me to look at maybe replacing your current income in retirement, or do you feel like you wanna focus on that $2,000 a week to sort of see how things project out? What do you what would be more important to you?","start_word":4126,"end_word":4220,"sentiment":"neutral","sentiment_score":0.2323190271854401},{"text":"I really have no idea. What do you think?","start_word":4221,"end_word":4229,"sentiment":"negative","sentiment_score":-0.4421555995941162},{"text":"Well, if you like, I could look at the replacement of your current income so I can project that and sort of say, well, in retirement, if you're able to replace your current income, this is sort of what this might look like and sort of work on that as a goal in saying that goals can change. So in another six to twelve months or a couple of years, you might say that's that's different and we can change it. It's fine. But it's just Yeah. sort of giving me something to project out to now and and a base for a goal now. Do you think 85,000 per year in retirement would be fairly comfortable for you, or do you think you wanna maybe have a little bit more Did for you did spending you say and enjoyment? did you say did you say 5,000 per year? 85,000 per year. 80 Sorry. 5. Yeah. It Yeah. sound like you said 5. I was like, gosh.","start_word":4230,"end_word":4396,"sentiment":"neutral","sentiment_score":0.09071353822946548},{"text":"That's not gonna get me anywhere. No. It's definitely not. I don't know. It's really hard to think right now of yeah.","start_word":4397,"end_word":4418,"sentiment":"negative","sentiment_score":-0.47099992632865906},{"text":"Yep. That's okay. I can I'm just just work on your current income just to sort of project things out, and we can update the advice. I can show you what the advice recommendations are, where we're tracking, what we're looking towards.","start_word":4419,"end_word":4460,"sentiment":"neutral","sentiment_score":0.27541592717170715},{"text":"And then, you know, you can always tell me that you don't like that or you're not comfortable with that, and we can go back to the drawing board.","start_word":4461,"end_word":4489,"sentiment":"negative","sentiment_score":-0.3535499572753906},{"text":"Yeah. That's fine. Yeah. I'm Yeah. just going That's through okay. a messy, messy breakup at the moment, and there's Oh, I'm so sorry. TV and all that.","start_word":4490,"end_word":4517,"sentiment":"neutral","sentiment_score":-0.137135848402977},{"text":"So it's just really hard to think of anything.","start_word":4518,"end_word":4526,"sentiment":"negative","sentiment_score":-0.36068272590637207},{"text":"Oh, absolutely. I'm so, so sorry that you're going through that, Camilla. Yeah. Of course. Thanks. There's a lot going on in your life. Well, what I'll Yeah. do if Literally. you like, I'll, yeah, I'll have a look at replacing your current income. I'll look at your super. I'll make sure your beneficiaries are in line with your wishes. I'll retain your insurances, and I'll look at projecting things out to make sure you're working and tracking towards your retirement goal. We'll Great. start there, and then Yep. we can always go back to the drawing board if you're not comfortable. Okay? Does Yep. that sound alright? It does. Yep. Yep. In the meantime, do you want me to sign that text file thingy?","start_word":4527,"end_word":4651,"sentiment":"neutral","sentiment_score":0.008243047632277012},{"text":"If you could, that would be fantastic.","start_word":4652,"end_word":4658,"sentiment":"positive","sentiment_score":0.5102348923683167},{"text":"Yeah. Yeah. I'll Now do it. the other thing, you're right, the other thing I just wanted to sort of talk about now when Bart brought you on board, he obviously wasn't charging an ongoing service fee because your balance was lower. The idea is he wanted to get your super working hard to get your balance a bit higher. But moving into a more sophisticated platform with, you know, more sophisticated investments that are working hard, it does mean we need to review them a lot more often. So at some point, I do need to turn on our ongoing service fee. At the moment, the ongoing service fee is 1.65% per annum. It is deducted from your super fund on a monthly basis in smaller monthly increments. As part of the advice, I'll show you what that looks like. We wanna make sure, obviously, your super is working, and we can't charge a fee for our services if your super isn't working harder and, you know, making that money. But I do need to obviously make sure I do put that on at some point. And it looks like this year with updating the advice and moving things around a bit, we're gonna have to do that. Do you have any questions? Does that make sense? And is there any Okay. kind of concerns around that? Yeah. No. No. Do I is is he hooking me up with a discount for being his sister? I will absolutely ask him what he wants to do with that. I just have to Yeah. disclose what the full fee is, and Yeah. I'll make sure I kinda come back and see what Bart wants to do with that. But I'll I'll essentially put that in the advice document for you and let you know essentially what that looks like, how it affects your super moving forward, and then we'll make sure we keep reviewing things to keep you on track. Is that okay? Right. Yep. Yes. And I do apologize. I wasn't aware that you're about the system. So sorry. It's all good. But now look, honestly, I look after everyone exactly the same. Every client is just as important. I'll look after you no different. We just wanna make sure your super is working harder for you.","start_word":4659,"end_word":5045,"sentiment":"neutral","sentiment_score":0.07246005659302075},{"text":"And, again, I'm very sorry for everything that you're going through.","start_word":5046,"end_word":5056,"sentiment":"negative","sentiment_score":-0.39412274956703186},{"text":"We'll take it slow. I'll look at your super, the investments, how everything's projecting out. I'll show you the advice document with everything laid out in it, then you get to take it away and read it the same as you did with the original. And then you get to tell me whether you like it, whether you don't, any changes you wanna make, and we'll keep reviewing things to make sure your super is working harder for you. Does that sound okay? Yep. Yeah. Do you have any questions? Is there anything else that you think I may not have touched on that might be important to you? I know it's still very early. I hope you had your Uh-huh. coffee at least. Yeah. No. That's all.","start_word":5057,"end_word":5184,"sentiment":"neutral","sentiment_score":0.11520391802332595},{"text":"That's okay. Beautiful. Yeah.","start_word":5185,"end_word":5188,"sentiment":"positive","sentiment_score":0.43874391913414},{"text":"I'll go back to Barton to double check the fee structure, make sure that, obviously, if there's any discount he wants to apply, we'll do that for you, and I'll make sure it's reflected in the advice document. Okay?","start_word":5189,"end_word":5227,"sentiment":"neutral","sentiment_score":0.2272456586360931},{"text":"Thanks. Thank you. That's okay. I hope you have a really good day, Camilla. Thank you. Talk to you soon.","start_word":5228,"end_word":5247,"sentiment":"positive","sentiment_score":0.6879234313964844},{"text":"No worries. I'll talk to you Alright. soon. See you later.","start_word":5248,"end_word":5258,"sentiment":"neutral","sentiment_score":0.2133518308401108},{"text":"Thank you.","start_word":5259,"end_word":5260,"sentiment":"positive","sentiment_score":0.6021974086761475},{"text":"Bye. Bye.","start_word":5261,"end_word":5262,"sentiment":"neutral","sentiment_score":0.27079421281814575}],"average":{"sentiment":"neutral","sentiment_score":0.06336397354149298}}}}