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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please? Thank you for confirming that. I appreciate that. I'm phoning this afternoon to complete your annual review that we have scheduled in. Do you have time to complete that? Oh, fantastic. How's your day been so far? Oh, that's good. That's good. So it since we last spoke, has there been any significant changes to your personal financial situation that we need to flag to talk about today? No. Okay. Alright. What I might do, if it's okay with you, is I might just run through the financial and personal information that we do have on file just to make sure it's correct. So I will start with your marital status. Still married to Craig? Yes. And you have two children. Is that right? Three. Yep. That's okay. And I have your occupation here is that you are a family engagement officer with the Department of Education Victoria. Is that still right? And how long have you been with them for? Wow. Wonderful. And do you enjoy it? Oh, good. And is that different area. Yes. Is that still full time? Wonderful. Now I have your income down as 58,000. Would that be correct? Yes. Okay. And does that include super or super on top? Okay. And we have your expenditure at $450 per week. Would that be correct? Yeah. So your living expenses, groceries, anything You're not the only one that says that. Yeah. $4.50. Would that be split between you and Craig? Or yeah. So 4 50. No. It I mean, you can get to me if you wanted to include the house. Like, oh, I can keep the house mortgage repayment separate. It's entirely up to you. Yep. Yeah. It is, isn't it? It is. And would that be your like, you and Craig put 600 in each or combined? Yep. Okay. What what is the mortgage payment? Okay. Yes. Okay. So I have the mortgage sitting at $2.20. Does that sound about right? No. They've been Oh, the ballot. Yeah. The outstanding. Sorry. Yep. Yep. And the cars, you said, was a separate amount. Is that right? Yep. 350 6 thousand. Yep. So that's 2 no. Yep. Okay. Do you know okay. Beautiful. 40. And what would the caravan and the cars be valued at approximately? Yep. Yep. Okay. Beautiful. Thank you for that. Any other assets or liabilities that you can think of? No? Okay. And have sorry to ask, but I do need to ask this question. Have you ever been declared bankrupt or have had a debt agreement in place? No? Okay. And do you have any significant health issues, injuries, or take any medication? Do you have private health insurance? And has you or Craig been able to establish any wills or powers of attorney yet? Okay. No. That's okay. It's pretty common, to be honest with you. Yep. Yeah. Yep. Well, I will also be one of those people that says you need to do that. With your goals and objectives, we have four on file from last time. I just wanna make sure that they're relevant or if there's any new ones. So I previously said you wanted to sell your car and buy a new one, which it sounds like you have done. Yeah. You'd also like to get some house renovations done? Yeah. Yep. Okay. Fantastic. Are you still wanting to do the house renovations? Or okay. And you would like to be debt free and own your own house and have enough in super to live off comfortably while you were able to do some traveling around Australia and possibly Croatia in retirement. Is that still sound about right? Okay. Just to build on that a little bit, what age were you thinking of retirement? Yeah. Well, access to superannuation for yourself is currently the age of 60 based on today's legislation. And then age pension, if you were needing to supplement any form of your income becomes available based on, again, today's legislation, 67 years of age. Yes. Yeah. And we can work our way backwards from looking at your income need. So what in retirement, what do you think your income need would be? No. Okay. So if you're debt free, wanting to do those, the traveling any ideas? No. That's okay. That's fine. We can just park that for later. And you wanna retire with the biggest balance possible. You like the idea of, yeah, active monitoring and knowing that someone is protecting you from, you know, market crashes. So actively helping you with that. Still still current? Yep. And you also want to know if well, you would want to have comfort in the facts fact that if something was to happen to you, you'd want the kids and Craig to be debt free with the least amount of stress as possible. Is that still current? Yep. Okay. Fantastic. Anything else that you can think of that might be relevant there? Yep. Okay. Alright. So with insurance, just covering up on that while we're here, I note that you have your sums insured for insurance are $8,810,461 for life and TPD insurance, which would certainly cover off the debt. Did you need to look at income protection, which would cover your wage if you're unable to work due to injury or illness? No. Yep. I can definitely have a look at it for you if you like. Basically, how income protection works is you can cover up to 70% of your taxable income if you're unable to work due to injury or illness. And it covers you twenty four hours a day, seven days a week. So it doesn't matter if you're it's not the same as work cover, so it will cover you if you're injured outside of work hours. Additionally, there are there are two options with it. You've got your waiting period, which I kind of explain it to clients as your excess, similar to your car. It's the number of days you need to wait before you can be paid or claim on it. And then your benefit period dictates dictates the amount of time that you are eligible to be paid depending on how bad your injury or illness is. So they vary from two years to five years to age 65, which takes you through to retirement. And your benefit your waiting period varies from thirty days and anywhere upwards to about six months, really. And it is a good policy to have. It can be funded through your superannuation fund the same way your life and TPD presently is. So I can have a look at that for you if you like. I'd probably just need you to confirm your in your taxable income with me, so a payslip of some description so I could confirm what levels of cover that you would be eligible to apply for. No. No. That's okay. That's alright. You can send it through at a at a later time. That's absolutely fine. You don't need to send it now. But did you I can have a look at that for you if you like me to. Do you think is that something you'd like? Yeah. Yeah. It's yeah. Oh, gosh. Well, yeah, you could probab yeah. I mean, it it is probably one of the most claimed on policies, to be honest with you, just because you are protecting your livelihood. It it is in it's something that I just need to make you aware of. Whether you wish to look at it further is entirely your choice. There is absolutely no pressure. I just need to my job is to let you know how you can protect yourself. You're covered for Yep. Yep. So life insurance is is if you pass away, and total and permanent disablement is basically if you are unable to ever return to the workforce based on your qualifications and experience. So the way I'd like to think of it is is if you're in an office that you were bedridden, basically. Because, yeah, you already have that. Yep. Yep. That's okay. Of course. And we will yeah. Of course. And we'll always talk to you about it in your reviews anyway and touch base, so that's absolutely fine. There's another level of cover as well that I do have to just inform you of. It's trauma insurance. It's a lump sum cover payable when you're diagnosed with a insurable event. Typically cancer, heart attack, stroke. And that one's paid out of your personal cash flow if you want to explore that further. So did you want to look at that or leave that again for the time being? Entirely up to you. Yep. That's absolutely okay. Alright. So the estate planning, the wills and power of attorney, I'm going to be annoying and be one of those people that says, please do this. What I can do, if you would like me to, I can send you a brochure of someone that we work with, and they do do them relative. They're they're quite price friendly compared to some of the the the ones I've seen in my time. So I'll send that through to you for you to have a look at. And if you decide to go down that path, you can reach out to them and arrange a time to meet with them, and they can do it all virtually as well. Looking at. I have sent you a email. Do you have access to your emails at the moment? Yeah. It's just a review pack. So it's some documents that I'd like to talk through with you. If you can't view them at the moment, that's okay. I'll talk to them, and you can have a look at them post our call if you like. Did you wanna bring them up or have a look post your call? Okay. It's just easier if I know so then I can guide you through the right way. Okay. It will come through from Odusign or Jenna Wheeler. Yep. The email we have on file is Michelle.Doyle@Education.Vic.gov.au. Check your junk mail, maybe. Is that Alright. I might just give it a sec because I can resend it if it doesn't pop up. I'll just hit resend and see. Oh, thank you. Thank you. Oh, that's okay. Okay. So let me know when you got those documents open. Yes. But you're not signing anything at the moment. Okay. Beautiful. Is it? Sorry. Oh, okay. Well, the first document you're looking at is just an overall summary of your super and insurance. Your net wealth balance is presently sitting at a 197,249 with your CalLife insurance sitting at those figures that I mentioned before, 810,461 for life and TPD. So that's what that front document is. It's just a bit of an overview. The next document is your returns for the last twelve months, so the performance of the portfolio. So back towards earlier this year, the team got you out of an investment called Benelon Australian Equities Fund and replaced it with the Beta Australian two hundred shares fund. The reason being is that Banalong was systemically underperforming, and the decision was made by the investment committee to change them or replace them, I guess you'd say it. So the last twelve month performance, if you look at the bottom line on that page, you're still sitting at a negative 1.25% return. That's after fees and everything. But we have changed Benelon within that six month period. So what we've done is come back and said the next document is a six month performance to show you that the portfolio is actually recovering. So in the last six months, it's the return is sitting at 9.47% after fees and costs. So it is it is bouncing back after we replaced that investment, but we're we're very transparent in the fact that that's why we provide the two reports. So your twelve month one, yes, it wasn't a great return, and that was due to the Benelong Australian Equity Fund. We actioned that from a, like you said, actively managed it, and it now the portfolio is starting to bounce back, which we're pleased with. The next document in the pack is a Vanguard index chart. What this shows you, and I like to use it with clients as a tool to talk about your tolerance to risk, is those top four on the right hand side, you've got US shares, Australian shares, international, and Australian listed property. They're your growth assets. And you can see on that chart, they're the ones that experience the most volatility due to them being growth assets, basically. And the bottom two is your restrained bonds and cash. So they're more your defensive income producing assets that do provide a little bit grow of growth over a very long period of time, but they've their job is to produce income. And when the market is dipping or having a volatile moment, they're there just to try and produce income to some of that volatility. So how you're invested at the moment from your risk profile is a high growth investor, and that is sits at a 90% allocation to those top four being your growth assets with a 10% to the bottom the bottom two areas being your defensive assets. Now the the time frame of a high growth risk profile is a minimum of six years. So what that tells us is is that to withstand that market volatility, you need to be have a time frame of a minimum of at least six years or sorry, eight years. Sorry. Wrong that's my my mistake there. Eight years. So given that you're twelve years from from preservation age, so being able to access it, that tells us that you are within that time frame. But, also, I need to confirm with you that, you know, in a high growth portfolio, you're looking at one in every five years of being a negative return just due to that higher allocation to growth assets and anywhere either side of plus or minus 14% for volatility. So, you know, one of those negative returns could look at potentially up to a negative 14% return just because you're in that growth asset. So if you look at those big events like the GFC and COVID, whether the market's absolutely in a nontechnical term tanks, you you know, that in those events, that's where you could expect to see those type of negative returns. So in a high growth portfolio, on average, we expect between eight to 10% return. So from the six month return that we've provide performance, sorry, that we've provided tracking perfectly towards that. My question to you is, taking all that into consideration, are you still happy investing in a high growth portfolio, or would you like to maybe decrease some of your assets to those growth assets? I can. I can do that. I'll do that in a moment. I'll ask you a few questions, and then we'll go through that, and I can make a recommendation. The next document is your certificate of currency from TAL. So that's just showing you that your life and TPD insurance policies are in place and in force. The next document is our financial services guide. So it's a legal document that we provide with our provide to our clients. It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process. The next document there's two more documents. The next document is the adviser fee consent. So this is the renewal of the advice fee, which is funded through your superannuation fund. We so that is set at a percent fee of 1.1%. Then it would it's fixed at a flat dollar fee. So rather than it be 1.1% fluctuating, they we calculate it based on your balance as when the review is done and equate that to 1.1%, and that's fixed for the next twelve months. So that would be $180 and sticks for the next twelve months. So that would be $180.81 per month deducted from your superannuation fund if you decided to continue receiving advice from us. So that document does need signing if you wish to proceed. And then the next document is the authority for us to hold your tax file number. So we have that on file due to setting up your superannuation fund. The this form is just you acknowledging that we do hold that on file, and you're okay with that. Okay. So those two documents out of the pack do require signing, but I'm going to jump over to what we call a risk profile questionnaire. I'm gonna ask you it's about seven questions. There's no right or wrong answer. And based on this, it will help me give you a it'll help me understand your tolerance to risk and and make a recommendation. So the first question is is what's the most aggressive investment you've ever made? The options are direct shares, managed funds, investment property, your own home, or a high interest bank account? Your house? Yep. Okay. And once you're in once investments have been placed, so if we think about this in relation to your superannuation, how long would it be before you need to access the capital? Would it be longer than ten years, between seven to nine, and so on? Between four to six, two to three, or two years. Yes. Yep. So that would likely be ten years or more. Do you agree with that? Yep. Okay. The next question is inflation means things are getting more expensive over time, making your money worth less. How much risk are you willing to keep to take to keep up with the rising prices? So that's basically, the options is a very high risk, a high risk, moderate risk to outpace inflation, a small amount to keep pace with inflation, or you're unwilling to take any risk despite inflation. Need you to answer that. Okay. Yep. So, again, referring to your superannuation, how would you feel if in six months after investing that your portfolio decreased by 20% due to the trends in the financial market? So that's those volatility moments in the market on that Vanguard sheet. Would you invest more heavily? Would you invest modestly for growth? Would you hold and wait to see for improvement? Would you shift to defensive assets to try and minimize losses, or would you convert to cash? Yes. So, basically, the the question is, to put it differently, is if the market fell, would you consider putting in more money to buy at a discount? Would you wait and see how the market recovers, or would you get really, really worried and move to defensive assets? So yeah. Okay. So the yeah. It could potentially be seen as that. So yeah. I mean, would you wait and see? Would you want to invest more money? If you think about it so one of the things that one of the easiest ways to explain the theory behind that is if the market's down so say, for example, let's just use CBA shares. They're valued at, let's say, $200 today. If the market fell and they had a the CBA shares were impacted and they have well, they reduced by 20%. So they went down to a $160 a share. Knowing that over time, markets recover, what would you do? Would you wait? Would you maybe buy some more, or would you just do nothing? Yeah. Yep. Yeah. No. That's absolutely fine. The next question is, what kind of return would you expect to get from your superannuation over the long term? 8% of or above, six to 8%, four to 6%, two to 4%, or zero to 2% over the long term. So just long term if you average yep. Have your investments, including your superannuation, ever dropped in value? If yes, how did it make you feel? Optimistic, cautious, concerned, highly anxious, or seeking to maintain a loss free record. Yes. Yes. So when it's dropping, how does how do you feel? Yep. So optimistic. Do you feel Yep. Yep. Yeah. So maybe between so cautious with no further investments planned or optimistic with future investments. Yep. Okay. And then the last question is, have you ever thought about taking out a loan to invest? And if so, would it be for shares and investment funds or an investment property or for your own home? Yep. So have you borrowed money have you thought about borrowing money for a investment property? Yep. Yeah. Kind of. Yeah. So you've never thought of an investment property or just your home rent home? Yep. Okay. That's okay. Beautiful. So what you've come out as based on the risk profile is a growth investor. So it's a step below your current risk profile. Now what what that means is instead of having an allocation to growth assets sitting at 80 90%, growth investor would typically have it sitting at 80% with their defensive assets at 20 instead of 10 for a which you are now as a high growth. Again, the minimum time frame for that is six years, and you could with you could expect, again, the same as a high growth, one in every five years being a negative year, but the main difference being the market volatility being plus or minus 11%. So there's a there's a 3% difference there between the high growth and growth portfolio for volatility and then an overall expected return of seven to 9% per annum. So what it means is you would decrease your growth assets and increase your defensive assets. But given that you do have twelve years before you can access this and yes. Yep, I I think high growth is appropriate. As we approach retirement, as you approach retirement, there are there are stages where we look at decreasing allocations to growth assets as retirement approaches to start allowing for more income producing investments over the lead up to retirement. So I personally recommend would recommend a high growth portfolio for you, and I just need to know if you're comfortable with that. Okay. Wonderful. Alright. What so from here, my action items is is we're pretty comfortable with your portfolio for the time being with no changes noted for us to make at the moment. I'm going yep. Oh, okay. So is that a part of did I pay you a little bit extra super if you contribute? Yeah. Yeah. Did you did you did you want advice surrounding that, or is it have you already selected an amount? Yeah. Did you want us to look at that for you as to what amount would be best, or have you decide are you gonna pick an amount? And and that's just for you to build your super. Okay. Yeah. Okay. Did the tax agent give you any idea of how much you should be contributing or no? Okay. Alright. Oh, no. No. No. No. I I'm only asking because we can definitely give you advice on that, but it also comes down to potentially, it could be more better to do more, but it also comes down to affordability as well. So that's why I was kind of asking, have you picked an amount? If you haven't, I can definitely we can definitely look at giving you some advice surrounding that. But if you're if you're wanting to start with that and then review it over time, that's something that we can look at as well over our next few and your reviews. So I'm kind of gauging from you what your thoughts are and what your plans are. And do you do you want advice on that right now? Oh, not right now on the phone. I'll have to go away and do some research and then give you an advice document. Your super funds. Yep. Yep. What's it? Yeah. Well, what I can do is I can give you a very simple general information table showing you what $50 per fortnight would do from a tax perspective for you. If you wanted us to then go deeper and say how much you should be doing, like, what's the best outcome to build your super, and then look at it from a tax planning perspective as well, we can do that. But what I can do is I can just send you a a brief email with a calculation showing you what that is. And then if you wanted to depending on what you wanna do post that, we can just have another conversation. Okay. Do you have any other questions for me? No. So it's a lot of information to take in at once, so I'm sorry about that. Okay. Alright. Well, I will let you go, Michelle. But yeah. Yeah. If as long as you're comfortable too and you're happy to proceed. And I'm off work tomorrow, but I will get I'll ask the team to send you I'll actual no. I'll get the team to produce it, and I'll send you an email on Monday with the with an outline of that basic calculation. Fantastic. Well, thank you so much for your time. I really appreciate it, and it was lovely speaking with you. Thank you. Enjoy your evening. Okay. 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Is this Michelle? Michelle, it's Jenna here phoning from Oakview Financial. How are you today? That's good.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please? Thank you for confirming that.\n\nI appreciate that. I'm phoning this afternoon to complete your annual review that we have scheduled in. Do you have time to complete that? Oh, fantastic. How's your day been so far?\n\nOh, that's good. That's good. So it since we last spoke, has there been any significant changes to your personal financial situation that we need to flag to talk about today? No. Okay.\n\nAlright. What I might do, if it's okay with you, is I might just run through the financial and personal information that we do have on file just to make sure it's correct. So I will start with your marital status. Still married to Craig? Yes.\n\nAnd you have two children. Is that right? Three. Yep. That's okay.\n\nAnd I have your occupation here is that you are a family engagement officer with the Department of Education Victoria. Is that still right? And how long have you been with them for? Wow. Wonderful.\n\nAnd do you enjoy it? Oh, good. And is that different area. Yes. Is that still full time?\n\nWonderful. Now I have your income down as 58,000. Would that be correct? Yes. Okay.\n\nAnd does that include super or super on top? Okay. And we have your expenditure at $450 per week. Would that be correct? Yeah.\n\nSo your living expenses, groceries, anything You're not the only one that says that. Yeah. $4.50. Would that be split between you and Craig? Or yeah.\n\nSo 4 50. No. It I mean, you can get to me if you wanted to include the house. Like, oh, I can keep the house mortgage repayment separate. It's entirely up to you.\n\nYep. Yeah. It is, isn't it? It is. And would that be your like, you and Craig put 600 in each or combined?\n\nYep. Okay. What what is the mortgage payment? Okay. Yes.\n\nOkay. So I have the mortgage sitting at $2.20. Does that sound about right? No. They've been Oh, the ballot.\n\nYeah. The outstanding. Sorry. Yep. Yep.\n\nAnd the cars, you said, was a separate amount. Is that right? Yep. 350 6 thousand. Yep.\n\nSo that's 2 no. Yep. Okay. Do you know okay. Beautiful.\n\n40. And what would the caravan and the cars be valued at approximately? Yep. Yep. Okay.\n\nBeautiful. Thank you for that. Any other assets or liabilities that you can think of? No? Okay.\n\nAnd have sorry to ask, but I do need to ask this question. Have you ever been declared bankrupt or have had a debt agreement in place? No? Okay. And do you have any significant health issues, injuries, or take any medication?\n\nDo you have private health insurance? And has you or Craig been able to establish any wills or powers of attorney yet? Okay. No. That's okay.\n\nIt's pretty common, to be honest with you. Yep. Yeah. Yep. Well, I will also be one of those people that says you need to do that.\n\nWith your goals and objectives, we have four on file from last time. I just wanna make sure that they're relevant or if there's any new ones. So I previously said you wanted to sell your car and buy a new one, which it sounds like you have done. Yeah. You'd also like to get some house renovations done?\n\nYeah. Yep. Okay. Fantastic. Are you still wanting to do the house renovations?\n\nOr okay. And you would like to be debt free and own your own house and have enough in super to live off comfortably while you were able to do some traveling around Australia and possibly Croatia in retirement. Is that still sound about right? Okay. Just to build on that a little bit, what age were you thinking of retirement?\n\nYeah. Well, access to superannuation for yourself is currently the age of 60 based on today's legislation. And then age pension, if you were needing to supplement any form of your income becomes available based on, again, today's legislation, 67 years of age. Yes. Yeah.\n\nAnd we can work our way backwards from looking at your income need. So what in retirement, what do you think your income need would be? No. Okay. So if you're debt free, wanting to do those, the traveling any ideas?\n\nNo. That's okay. That's fine. We can just park that for later. And you wanna retire with the biggest balance possible.\n\nYou like the idea of, yeah, active monitoring and knowing that someone is protecting you from, you know, market crashes. So actively helping you with that. Still still current? Yep. And you also want to know if well, you would want to have comfort in the facts fact that if something was to happen to you, you'd want the kids and Craig to be debt free with the least amount of stress as possible.\n\nIs that still current? Yep. Okay. Fantastic. Anything else that you can think of that might be relevant there?\n\nYep. Okay. Alright. So with insurance, just covering up on that while we're here, I note that you have your sums insured for insurance are $8,810,461 for life and TPD insurance, which would certainly cover off the debt. Did you need to look at income protection, which would cover your wage if you're unable to work due to injury or illness?\n\nNo. Yep. I can definitely have a look at it for you if you like. Basically, how income protection works is you can cover up to 70% of your taxable income if you're unable to work due to injury or illness. And it covers you twenty four hours a day, seven days a week.\n\nSo it doesn't matter if you're it's not the same as work cover, so it will cover you if you're injured outside of work hours. Additionally, there are there are two options with it. You've got your waiting period, which I kind of explain it to clients as your excess, similar to your car. It's the number of days you need to wait before you can be paid or claim on it. And then your benefit period dictates dictates the amount of time that you are eligible to be paid depending on how bad your injury or illness is.\n\nSo they vary from two years to five years to age 65, which takes you through to retirement. And your benefit your waiting period varies from thirty days and anywhere upwards to about six months, really. And it is a good policy to have. It can be funded through your superannuation fund the same way your life and TPD presently is. So I can have a look at that for you if you like.\n\nI'd probably just need you to confirm your in your taxable income with me, so a payslip of some description so I could confirm what levels of cover that you would be eligible to apply for. No. No. That's okay. That's alright.\n\nYou can send it through at a at a later time. That's absolutely fine. You don't need to send it now. But did you I can have a look at that for you if you like me to. Do you think is that something you'd like?\n\nYeah. Yeah. It's yeah. Oh, gosh. Well, yeah, you could probab yeah.\n\nI mean, it it is probably one of the most claimed on policies, to be honest with you, just because you are protecting your livelihood. It it is in it's something that I just need to make you aware of. Whether you wish to look at it further is entirely your choice. There is absolutely no pressure. I just need to my job is to let you know how you can protect yourself.\n\nYou're covered for Yep. Yep. So life insurance is is if you pass away, and total and permanent disablement is basically if you are unable to ever return to the workforce based on your qualifications and experience. So the way I'd like to think of it is is if you're in an office that you were bedridden, basically. Because, yeah, you already have that.\n\nYep. Yep. That's okay. Of course. And we will yeah.\n\nOf course. And we'll always talk to you about it in your reviews anyway and touch base, so that's absolutely fine. There's another level of cover as well that I do have to just inform you of. It's trauma insurance. It's a lump sum cover payable when you're diagnosed with a insurable event.\n\nTypically cancer, heart attack, stroke. And that one's paid out of your personal cash flow if you want to explore that further. So did you want to look at that or leave that again for the time being? Entirely up to you. Yep.\n\nThat's absolutely okay. Alright. So the estate planning, the wills and power of attorney, I'm going to be annoying and be one of those people that says, please do this. What I can do, if you would like me to, I can send you a brochure of someone that we work with, and they do do them relative. They're they're quite price friendly compared to some of the the the ones I've seen in my time.\n\nSo I'll send that through to you for you to have a look at. And if you decide to go down that path, you can reach out to them and arrange a time to meet with them, and they can do it all virtually as well. Looking at. I have sent you a email. Do you have access to your emails at the moment?\n\nYeah. It's just a review pack. So it's some documents that I'd like to talk through with you. If you can't view them at the moment, that's okay. I'll talk to them, and you can have a look at them post our call if you like.\n\nDid you wanna bring them up or have a look post your call? Okay. It's just easier if I know so then I can guide you through the right way. Okay. It will come through from Odusign or Jenna Wheeler.\n\nYep. The email we have on file is Michelle.Doyle@Education.Vic.gov.au. Check your junk mail, maybe. Is that Alright. I might just give it a sec because I can resend it if it doesn't pop up.\n\nI'll just hit resend and see. Oh, thank you. Thank you. Oh, that's okay. Okay.\n\nSo let me know when you got those documents open. Yes. But you're not signing anything at the moment. Okay. Beautiful.\n\nIs it? Sorry. Oh, okay. Well, the first document you're looking at is just an overall summary of your super and insurance. Your net wealth balance is presently sitting at a 197,249 with your CalLife insurance sitting at those figures that I mentioned before, 810,461 for life and TPD.\n\nSo that's what that front document is. It's just a bit of an overview. The next document is your returns for the last twelve months, so the performance of the portfolio. So back towards earlier this year, the team got you out of an investment called Benelon Australian Equities Fund and replaced it with the Beta Australian two hundred shares fund. The reason being is that Banalong was systemically underperforming, and the decision was made by the investment committee to change them or replace them, I guess you'd say it.\n\nSo the last twelve month performance, if you look at the bottom line on that page, you're still sitting at a negative 1.25% return. That's after fees and everything. But we have changed Benelon within that six month period. So what we've done is come back and said the next document is a six month performance to show you that the portfolio is actually recovering. So in the last six months, it's the return is sitting at 9.47% after fees and costs.\n\nSo it is it is bouncing back after we replaced that investment, but we're we're very transparent in the fact that that's why we provide the two reports. So your twelve month one, yes, it wasn't a great return, and that was due to the Benelong Australian Equity Fund. We actioned that from a, like you said, actively managed it, and it now the portfolio is starting to bounce back, which we're pleased with. The next document in the pack is a Vanguard index chart. What this shows you, and I like to use it with clients as a tool to talk about your tolerance to risk, is those top four on the right hand side, you've got US shares, Australian shares, international, and Australian listed property.\n\nThey're your growth assets. And you can see on that chart, they're the ones that experience the most volatility due to them being growth assets, basically. And the bottom two is your restrained bonds and cash. So they're more your defensive income producing assets that do provide a little bit grow of growth over a very long period of time, but they've their job is to produce income. And when the market is dipping or having a volatile moment, they're there just to try and produce income to some of that volatility.\n\nSo how you're invested at the moment from your risk profile is a high growth investor, and that is sits at a 90% allocation to those top four being your growth assets with a 10% to the bottom the bottom two areas being your defensive assets. Now the the time frame of a high growth risk profile is a minimum of six years. So what that tells us is is that to withstand that market volatility, you need to be have a time frame of a minimum of at least six years or sorry, eight years. Sorry. Wrong that's my my mistake there.\n\nEight years. So given that you're twelve years from from preservation age, so being able to access it, that tells us that you are within that time frame. But, also, I need to confirm with you that, you know, in a high growth portfolio, you're looking at one in every five years of being a negative return just due to that higher allocation to growth assets and anywhere either side of plus or minus 14% for volatility. So, you know, one of those negative returns could look at potentially up to a negative 14% return just because you're in that growth asset. So if you look at those big events like the GFC and COVID, whether the market's absolutely in a nontechnical term tanks, you you know, that in those events, that's where you could expect to see those type of negative returns.\n\nSo in a high growth portfolio, on average, we expect between eight to 10% return. So from the six month return that we've provide performance, sorry, that we've provided tracking perfectly towards that. My question to you is, taking all that into consideration, are you still happy investing in a high growth portfolio, or would you like to maybe decrease some of your assets to those growth assets? I can. I can do that.\n\nI'll do that in a moment. I'll ask you a few questions, and then we'll go through that, and I can make a recommendation. The next document is your certificate of currency from TAL. So that's just showing you that your life and TPD insurance policies are in place and in force. The next document is our financial services guide.\n\nSo it's a legal document that we provide with our provide to our clients. It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process. The next document there's two more documents. The next document is the adviser fee consent. So this is the renewal of the advice fee, which is funded through your superannuation fund.\n\nWe so that is set at a percent fee of 1.1%. Then it would it's fixed at a flat dollar fee. So rather than it be 1.1% fluctuating, they we calculate it based on your balance as when the review is done and equate that to 1.1%, and that's fixed for the next twelve months. So that would be $180 and sticks for the next twelve months. So that would be $180.81 per month deducted from your superannuation fund if you decided to continue receiving advice from us.\n\nSo that document does need signing if you wish to proceed. And then the next document is the authority for us to hold your tax file number. So we have that on file due to setting up your superannuation fund. The this form is just you acknowledging that we do hold that on file, and you're okay with that. Okay.\n\nSo those two documents out of the pack do require signing, but I'm going to jump over to what we call a risk profile questionnaire. I'm gonna ask you it's about seven questions. There's no right or wrong answer. And based on this, it will help me give you a it'll help me understand your tolerance to risk and and make a recommendation. So the first question is is what's the most aggressive investment you've ever made?\n\nThe options are direct shares, managed funds, investment property, your own home, or a high interest bank account? Your house? Yep. Okay. And once you're in once investments have been placed, so if we think about this in relation to your superannuation, how long would it be before you need to access the capital?\n\nWould it be longer than ten years, between seven to nine, and so on? Between four to six, two to three, or two years. Yes. Yep. So that would likely be ten years or more.\n\nDo you agree with that? Yep. Okay. The next question is inflation means things are getting more expensive over time, making your money worth less. How much risk are you willing to keep to take to keep up with the rising prices?\n\nSo that's basically, the options is a very high risk, a high risk, moderate risk to outpace inflation, a small amount to keep pace with inflation, or you're unwilling to take any risk despite inflation. Need you to answer that. Okay. Yep. So, again, referring to your superannuation, how would you feel if in six months after investing that your portfolio decreased by 20% due to the trends in the financial market?\n\nSo that's those volatility moments in the market on that Vanguard sheet. Would you invest more heavily? Would you invest modestly for growth? Would you hold and wait to see for improvement? Would you shift to defensive assets to try and minimize losses, or would you convert to cash?\n\nYes. So, basically, the the question is, to put it differently, is if the market fell, would you consider putting in more money to buy at a discount? Would you wait and see how the market recovers, or would you get really, really worried and move to defensive assets? So yeah. Okay.\n\nSo the yeah. It could potentially be seen as that. So yeah. I mean, would you wait and see? Would you want to invest more money?\n\nIf you think about it so one of the things that one of the easiest ways to explain the theory behind that is if the market's down so say, for example, let's just use CBA shares. They're valued at, let's say, $200 today. If the market fell and they had a the CBA shares were impacted and they have well, they reduced by 20%. So they went down to a $160 a share. Knowing that over time, markets recover, what would you do?\n\nWould you wait? Would you maybe buy some more, or would you just do nothing? Yeah. Yep. Yeah.\n\nNo. That's absolutely fine. The next question is, what kind of return would you expect to get from your superannuation over the long term? 8% of or above, six to 8%, four to 6%, two to 4%, or zero to 2% over the long term. So just long term if you average yep.\n\nHave your investments, including your superannuation, ever dropped in value? If yes, how did it make you feel? Optimistic, cautious, concerned, highly anxious, or seeking to maintain a loss free record. Yes. Yes.\n\nSo when it's dropping, how does how do you feel? Yep. So optimistic. Do you feel Yep. Yep.\n\nYeah. So maybe between so cautious with no further investments planned or optimistic with future investments. Yep. Okay. And then the last question is, have you ever thought about taking out a loan to invest?\n\nAnd if so, would it be for shares and investment funds or an investment property or for your own home? Yep. So have you borrowed money have you thought about borrowing money for a investment property? Yep. Yeah.\n\nKind of. Yeah. So you've never thought of an investment property or just your home rent home? Yep. Okay.\n\nThat's okay. Beautiful. So what you've come out as based on the risk profile is a growth investor. So it's a step below your current risk profile. Now what what that means is instead of having an allocation to growth assets sitting at 80 90%, growth investor would typically have it sitting at 80% with their defensive assets at 20 instead of 10 for a which you are now as a high growth.\n\nAgain, the minimum time frame for that is six years, and you could with you could expect, again, the same as a high growth, one in every five years being a negative year, but the main difference being the market volatility being plus or minus 11%. So there's a there's a 3% difference there between the high growth and growth portfolio for volatility and then an overall expected return of seven to 9% per annum. So what it means is you would decrease your growth assets and increase your defensive assets. But given that you do have twelve years before you can access this and yes. Yep, I I think high growth is appropriate.\n\nAs we approach retirement, as you approach retirement, there are there are stages where we look at decreasing allocations to growth assets as retirement approaches to start allowing for more income producing investments over the lead up to retirement. So I personally recommend would recommend a high growth portfolio for you, and I just need to know if you're comfortable with that. Okay. Wonderful. Alright.\n\nWhat so from here, my action items is is we're pretty comfortable with your portfolio for the time being with no changes noted for us to make at the moment. I'm going yep. Oh, okay. So is that a part of did I pay you a little bit extra super if you contribute? Yeah.\n\nYeah. Did you did you did you want advice surrounding that, or is it have you already selected an amount? Yeah. Did you want us to look at that for you as to what amount would be best, or have you decide are you gonna pick an amount? And and that's just for you to build your super.\n\nOkay. Yeah. Okay. Did the tax agent give you any idea of how much you should be contributing or no? Okay.\n\nAlright. Oh, no. No. No. No.\n\nI I'm only asking because we can definitely give you advice on that, but it also comes down to potentially, it could be more better to do more, but it also comes down to affordability as well. So that's why I was kind of asking, have you picked an amount? If you haven't, I can definitely we can definitely look at giving you some advice surrounding that. But if you're if you're wanting to start with that and then review it over time, that's something that we can look at as well over our next few and your reviews. So I'm kind of gauging from you what your thoughts are and what your plans are.\n\nAnd do you do you want advice on that right now? Oh, not right now on the phone. I'll have to go away and do some research and then give you an advice document. Your super funds. Yep.\n\nYep. What's it? Yeah. Well, what I can do is I can give you a very simple general information table showing you what $50 per fortnight would do from a tax perspective for you. If you wanted us to then go deeper and say how much you should be doing, like, what's the best outcome to build your super, and then look at it from a tax planning perspective as well, we can do that.\n\nBut what I can do is I can just send you a a brief email with a calculation showing you what that is. And then if you wanted to depending on what you wanna do post that, we can just have another conversation. Okay. Do you have any other questions for me? No.\n\nSo it's a lot of information to take in at once, so I'm sorry about that. Okay. Alright. Well, I will let you go, Michelle. But yeah.\n\nYeah. If as long as you're comfortable too and you're happy to proceed. And I'm off work tomorrow, but I will get I'll ask the team to send you I'll actual no. I'll get the team to produce it, and I'll send you an email on Monday with the with an outline of that basic calculation. Fantastic.\n\nWell, thank you so much for your time. I really appreciate it, and it was lovely speaking with you. Thank you. Enjoy your evening. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.32,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.014714328572154043},{"text":"Is this Michelle?","start":2.6399999,"end":3.62,"sentiment":"neutral","sentiment_score":0.016540486986438434},{"text":"Michelle, it's Jenna here phoning from Oakview Financial.","start":5.12,"end":8.02,"sentiment":"neutral","sentiment_score":0.12682749051600695},{"text":"How are you today?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.18790514394640923},{"text":"That's good.","start":10.88,"end":11.86,"sentiment":"positive","sentiment_score":0.597724050283432}],"sentiment":"neutral","sentiment_score":0.1681124661117792,"num_words":18,"start":2.32,"end":11.86},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":12.0,"end":17.425,"sentiment":"neutral","sentiment_score":0.0694471016202284},{"text":"Is that okay?","start":17.485,"end":18.305,"sentiment":"neutral","sentiment_score":0.07594220836957295},{"text":"Yep.","start":20.045,"end":20.365,"sentiment":"neutral","sentiment_score":0.09167324751615524},{"text":"And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please?","start":20.365,"end":25.5,"sentiment":"neutral","sentiment_score":0.045729032276492367},{"text":"Thank you for confirming that.","start":31.9,"end":33.34,"sentiment":"positive","sentiment_score":0.528925222158432}],"sentiment":"neutral","sentiment_score":0.10647570458697338,"num_words":51,"start":12.0,"end":33.34},{"sentences":[{"text":"I appreciate that.","start":33.34,"end":34.559998,"sentiment":"positive","sentiment_score":0.6375470956166586},{"text":"I'm phoning this afternoon to complete your annual review that we have scheduled in.","start":35.02,"end":39.9,"sentiment":"neutral","sentiment_score":0.2637116408773831},{"text":"Do you have time to complete that?","start":39.9,"end":41.475,"sentiment":"neutral","sentiment_score":0.16988773431096757},{"text":"Oh, fantastic.","start":43.234997,"end":43.975,"sentiment":"positive","sentiment_score":0.3748519569635391},{"text":"How's your day been so far?","start":44.594997,"end":46.135,"sentiment":"neutral","sentiment_score":0.22984847674767175}],"sentiment":"neutral","sentiment_score":0.27883166167885065,"num_words":32,"start":33.34,"end":46.135},{"sentences":[{"text":"Oh, that's good.","start":48.114998,"end":49.234997,"sentiment":"neutral","sentiment_score":0.3118140995502472},{"text":"That's good.","start":49.234997,"end":49.975,"sentiment":"positive","sentiment_score":0.35278095304965973},{"text":"So it since we last spoke, has there been any significant changes to your personal financial situation that we need to flag to talk about today?","start":51.635,"end":61.59,"sentiment":"neutral","sentiment_score":-0.012442885611492854},{"text":"No.","start":62.690002,"end":63.190002,"sentiment":"neutral","sentiment_score":-0.17902562022209167},{"text":"Okay.","start":64.53,"end":65.03,"sentiment":"neutral","sentiment_score":-0.027837444096803665}],"sentiment":"neutral","sentiment_score":0.03365533680401065,"num_words":33,"start":48.114998,"end":65.03},{"sentences":[{"text":"Alright.","start":65.490005,"end":65.990005,"sentiment":"neutral","sentiment_score":0.005076568573713303},{"text":"What I might do, if it's okay with you, is I might just run through the financial and personal information that we do have on file just to make sure it's correct.","start":66.895004,"end":74.755,"sentiment":"neutral","sentiment_score":0.0064200329361483455},{"text":"So I will start with your marital status.","start":76.495,"end":82.840004,"sentiment":"neutral","sentiment_score":0.00020077149383723736},{"text":"Still married to Craig?","start":82.840004,"end":84.22,"sentiment":"neutral","sentiment_score":0.0013426842633634806},{"text":"Yes.","start":85.64,"end":86.14,"sentiment":"neutral","sentiment_score":0.0207025483250618}],"sentiment":"neutral","sentiment_score":0.005178197388253782,"num_words":46,"start":65.490005,"end":86.14},{"sentences":[{"text":"And you have two children.","start":86.28001,"end":87.64,"sentiment":"neutral","sentiment_score":0.012568662688136101},{"text":"Is that right?","start":87.64,"end":88.54,"sentiment":"neutral","sentiment_score":0.024976846451560657},{"text":"Three.","start":90.520004,"end":91.020004,"sentiment":"neutral","sentiment_score":0.005475081503391266},{"text":"Yep.","start":91.48,"end":91.98,"sentiment":"neutral","sentiment_score":0.012874617241322994},{"text":"That's okay.","start":93.0,"end":94.875,"sentiment":"neutral","sentiment_score":0.05417531169950962}],"sentiment":"neutral","sentiment_score":0.022039514578257997,"num_words":12,"start":86.28001,"end":94.875},{"sentences":[{"text":"And I have your occupation here is that you are a family engagement officer with the Department of Education Victoria.","start":97.335,"end":105.895004,"sentiment":"neutral","sentiment_score":0.02192054521292448},{"text":"Is that still right?","start":105.895004,"end":107.035,"sentiment":"neutral","sentiment_score":0.01894590724259615},{"text":"And how long have you been with them for?","start":108.615005,"end":116.91,"sentiment":"neutral","sentiment_score":-0.001066670339140627},{"text":"Wow.","start":116.91,"end":117.41,"sentiment":"neutral","sentiment_score":0.12519797682762146},{"text":"Wonderful.","start":117.71,"end":118.19,"sentiment":"neutral","sentiment_score":0.232428714632988}],"sentiment":"neutral","sentiment_score":0.0246348911896348,"num_words":35,"start":97.335,"end":118.19},{"sentences":[{"text":"And do you enjoy it?","start":118.19,"end":119.41,"sentiment":"neutral","sentiment_score":0.1637703835964203},{"text":"Oh, good.","start":122.83,"end":123.57,"sentiment":"neutral","sentiment_score":0.11133622378110886},{"text":"And is that different area.","start":124.385,"end":127.665,"sentiment":"neutral","sentiment_score":0.01893039271235466},{"text":"Yes.","start":127.665,"end":128.16501,"sentiment":"neutral","sentiment_score":0.02690776623785496},{"text":"Is that still full time?","start":129.185,"end":130.88501,"sentiment":"neutral","sentiment_score":0.020620560646057128}],"sentiment":"neutral","sentiment_score":0.07034371658745739,"num_words":18,"start":118.19,"end":130.88501},{"sentences":[{"text":"Wonderful.","start":132.705,"end":133.205,"sentiment":"neutral","sentiment_score":0.13346335291862488},{"text":"Now I have your income down as 58,000.","start":133.985,"end":136.705,"sentiment":"neutral","sentiment_score":0.022042354103177786},{"text":"Would that be correct?","start":136.705,"end":140.23999,"sentiment":"neutral","sentiment_score":0.011830032803118229},{"text":"Yes.","start":140.23999,"end":140.73999,"sentiment":"neutral","sentiment_score":-0.03183155134320259},{"text":"Okay.","start":146.0,"end":146.48,"sentiment":"neutral","sentiment_score":-0.032036829739809036}],"sentiment":"neutral","sentiment_score":0.01955026239156723,"num_words":15,"start":132.705,"end":146.48},{"sentences":[{"text":"And does that include super or super on top?","start":146.48,"end":152.11499,"sentiment":"neutral","sentiment_score":-0.01134827339814769},{"text":"Okay.","start":153.61499,"end":154.11499,"sentiment":"neutral","sentiment_score":0.053543634712696075},{"text":"And we have your expenditure at $450 per week.","start":156.25499,"end":160.09499,"sentiment":"neutral","sentiment_score":0.047719064065151744},{"text":"Would that be correct?","start":160.09499,"end":161.31499,"sentiment":"neutral","sentiment_score":0.05803010333329439},{"text":"Yeah.","start":167.17,"end":167.41,"sentiment":"neutral","sentiment_score":0.02081258594989777}],"sentiment":"neutral","sentiment_score":0.02640890624995033,"num_words":24,"start":146.48,"end":167.41},{"sentences":[{"text":"So your living expenses, groceries, anything You're not the only one that says that.","start":167.41,"end":177.72499,"sentiment":"neutral","sentiment_score":-0.10475033242255449},{"text":"Yeah.","start":189.145,"end":189.625,"sentiment":"neutral","sentiment_score":0.007709268480539322},{"text":"$4.50.","start":189.625,"end":190.345,"sentiment":"neutral","sentiment_score":0.01379426009953022},{"text":"Would that be split between you and Craig?","start":190.345,"end":192.55,"sentiment":"neutral","sentiment_score":0.004460983909666538},{"text":"Or yeah.","start":192.55,"end":195.99,"sentiment":"neutral","sentiment_score":0.01257651671767235}],"sentiment":"neutral","sentiment_score":-0.053236931562423706,"num_words":26,"start":167.41,"end":195.99},{"sentences":[{"text":"So 4 50.","start":195.99,"end":196.97,"sentiment":"neutral","sentiment_score":0.010338938174148401},{"text":"No.","start":206.345,"end":206.845,"sentiment":"neutral","sentiment_score":-0.15286532044410706},{"text":"It I mean, you can get to me if you wanted to include the house.","start":206.905,"end":209.945,"sentiment":"neutral","sentiment_score":-0.05692642256617546},{"text":"Like, oh, I can keep the house mortgage repayment separate.","start":209.945,"end":213.005,"sentiment":"neutral","sentiment_score":-0.04852871764451265},{"text":"It's entirely up to you.","start":213.065,"end":214.685,"sentiment":"neutral","sentiment_score":-0.013616977632045746}],"sentiment":"neutral","sentiment_score":-0.04497402673587203,"num_words":34,"start":195.99,"end":214.685},{"sentences":[{"text":"Yep.","start":216.985,"end":217.485,"sentiment":"neutral","sentiment_score":0.016665726900100708},{"text":"Yeah.","start":221.83,"end":221.91,"sentiment":"neutral","sentiment_score":-0.023039935156702995},{"text":"It is, isn't it?","start":221.91,"end":223.21,"sentiment":"neutral","sentiment_score":-0.02502985345199704},{"text":"It is.","start":223.67,"end":224.33,"sentiment":"neutral","sentiment_score":0.002900841645896435},{"text":"And would that be your like, you and Craig put 600 in each or combined?","start":224.63,"end":232.73001,"sentiment":"neutral","sentiment_score":-0.004778336361050605}],"sentiment":"neutral","sentiment_score":-0.00749421670385029,"num_words":23,"start":216.985,"end":232.73001},{"sentences":[{"text":"Yep.","start":235.725,"end":236.205,"sentiment":"neutral","sentiment_score":0.01935853809118271},{"text":"Okay.","start":236.205,"end":236.705,"sentiment":"neutral","sentiment_score":0.00583979208022356},{"text":"What what is the mortgage payment?","start":238.845,"end":241.025,"sentiment":"neutral","sentiment_score":-0.01911399249608318},{"text":"Okay.","start":248.94,"end":249.34,"sentiment":"neutral","sentiment_score":0.017450429499149323},{"text":"Yes.","start":249.34,"end":249.84,"sentiment":"neutral","sentiment_score":0.034133508801460266}],"sentiment":"neutral","sentiment_score":-0.0037901686504483224,"num_words":10,"start":235.725,"end":249.84},{"sentences":[{"text":"Okay.","start":264.265,"end":264.765,"sentiment":"neutral","sentiment_score":0.021861646324396133},{"text":"So I have the mortgage sitting at $2.20.","start":265.14502,"end":269.785,"sentiment":"neutral","sentiment_score":0.023032826837152243},{"text":"Does that sound about right?","start":269.785,"end":271.325,"sentiment":"neutral","sentiment_score":0.025354940444231033},{"text":"No.","start":274.74503,"end":275.24503,"sentiment":"neutral","sentiment_score":-0.1576938033103943},{"text":"They've been Oh, the ballot.","start":275.945,"end":279.59998,"sentiment":"neutral","sentiment_score":-0.05518435575067997}],"sentiment":"neutral","sentiment_score":-0.005035830941051245,"num_words":20,"start":264.265,"end":279.59998},{"sentences":[{"text":"Yeah.","start":279.59998,"end":279.75998,"sentiment":"neutral","sentiment_score":-0.0014338977634906769},{"text":"The outstanding.","start":279.75998,"end":280.66,"sentiment":"neutral","sentiment_score":0.006959686987102032},{"text":"Sorry.","start":280.72,"end":281.22,"sentiment":"neutral","sentiment_score":-0.1047164723277092},{"text":"Yep.","start":288.285,"end":288.785,"sentiment":"neutral","sentiment_score":-0.02566603384912014},{"text":"Yep.","start":294.685,"end":295.185,"sentiment":"neutral","sentiment_score":0.003610223066061735}],"sentiment":"neutral","sentiment_score":-0.019047801150009036,"num_words":6,"start":279.59998,"end":295.185},{"sentences":[{"text":"And the cars, you said, was a separate 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no.","start":316.245,"end":318.265,"sentiment":"neutral","sentiment_score":-0.061354031320661306},{"text":"Yep.","start":320.725,"end":321.045,"sentiment":"neutral","sentiment_score":-0.004091132432222366},{"text":"Okay.","start":321.045,"end":321.545,"sentiment":"neutral","sentiment_score":-0.003790533635765314},{"text":"Do you know okay.","start":321.925,"end":325.045,"sentiment":"neutral","sentiment_score":-0.008300641551613811},{"text":"Beautiful.","start":325.045,"end":325.545,"sentiment":"positive","sentiment_score":0.3419133424758911}],"sentiment":"neutral","sentiment_score":0.005037544083527543,"num_words":11,"start":316.245,"end":325.545},{"sentences":[{"text":"40.","start":328.99,"end":329.49,"sentiment":"neutral","sentiment_score":0.012463455088436604},{"text":"And what would the caravan and the cars be valued at approximately?","start":329.55,"end":334.13,"sentiment":"neutral","sentiment_score":0.01515038536551098},{"text":"Yep.","start":341.71,"end":341.925,"sentiment":"neutral","sentiment_score":0.023320039734244347},{"text":"Yep.","start":342.88498,"end":343.38498,"sentiment":"neutral","sentiment_score":0.015205840580165386},{"text":"Okay.","start":345.60498,"end":346.10498,"sentiment":"neutral","sentiment_score":0.2303006649017334}],"sentiment":"neutral","sentiment_score":0.02894341404316947,"num_words":16,"start":328.99,"end":346.10498},{"sentences":[{"text":"Beautiful.","start":346.965,"end":347.465,"sentiment":"positive","sentiment_score":0.6179046630859375},{"text":"Thank you for that.","start":347.76498,"end":348.985,"sentiment":"positive","sentiment_score":0.6362806707620621},{"text":"Any other assets or liabilities that you can think of?","start":349.28497,"end":352.185,"sentiment":"neutral","sentiment_score":0.27247294038534164},{"text":"No?","start":353.76498,"end":354.26498,"sentiment":"neutral","sentiment_score":-0.07481927424669266},{"text":"Okay.","start":354.32498,"end":354.82498,"sentiment":"neutral","sentiment_score":-0.0392320491373539}],"sentiment":"positive","sentiment_score":0.33962973097667976,"num_words":17,"start":346.965,"end":354.82498},{"sentences":[{"text":"And have sorry to ask, but I do need to ask this question.","start":355.31998,"end":358.75998,"sentiment":"neutral","sentiment_score":-0.0959252815407056},{"text":"Have you ever been declared bankrupt or have had a debt agreement in place?","start":358.75998,"end":363.25998,"sentiment":"neutral","sentiment_score":-0.11030241900256701},{"text":"No?","start":364.52,"end":365.02,"sentiment":"neutral","sentiment_score":-0.09014809131622314},{"text":"Okay.","start":365.47998,"end":365.97998,"sentiment":"neutral","sentiment_score":-0.03807329386472702},{"text":"And do you have any significant health issues, injuries, or take any medication?","start":366.91998,"end":373.905,"sentiment":"neutral","sentiment_score":-0.09840457915113522}],"sentiment":"neutral","sentiment_score":-0.0999700819097814,"num_words":42,"start":355.31998,"end":373.905},{"sentences":[{"text":"Do you have private health insurance?","start":377.725,"end":379.26498,"sentiment":"neutral","sentiment_score":-0.10345730930566788},{"text":"And has you or Craig been able to establish any wills or powers of attorney yet?","start":384.84,"end":391.82,"sentiment":"neutral","sentiment_score":-0.07657293602824211},{"text":"Okay.","start":394.04,"end":394.54,"sentiment":"neutral","sentiment_score":-0.10254133492708206},{"text":"No.","start":396.6,"end":396.84,"sentiment":"neutral","sentiment_score":-0.26271724700927734},{"text":"That's okay.","start":396.84,"end":397.695,"sentiment":"neutral","sentiment_score":-0.22957903146743774}],"sentiment":"neutral","sentiment_score":-0.10270490296758138,"num_words":26,"start":377.725,"end":397.695},{"sentences":[{"text":"It's pretty common, to be honest with 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okay.","start":441.72,"end":447.09998,"sentiment":"neutral","sentiment_score":0.21279188618063924},{"text":"And you would like to be debt free and own your own house and have enough in super to live off comfortably while you were able to do some traveling around Australia and possibly Croatia in retirement.","start":447.47998,"end":461.575,"sentiment":"positive","sentiment_score":0.4917686178877547},{"text":"Is that still sound about right?","start":461.795,"end":463.655,"sentiment":"neutral","sentiment_score":0.07514447967211406},{"text":"Okay.","start":464.915,"end":465.415,"sentiment":"neutral","sentiment_score":0.04587804526090622},{"text":"Just to build on that a little bit, what age were you thinking of 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age.","start":488.48502,"end":499.78998,"sentiment":"neutral","sentiment_score":0.029915441758930683},{"text":"Yes.","start":505.775,"end":506.275,"sentiment":"neutral","sentiment_score":0.111059308052063},{"text":"Yeah.","start":518.015,"end":518.335,"sentiment":"neutral","sentiment_score":0.030568398535251617}],"sentiment":"neutral","sentiment_score":0.02750481590628624,"num_words":45,"start":474.26,"end":518.335},{"sentences":[{"text":"And we can work our way backwards from looking at your income need.","start":518.335,"end":524.78,"sentiment":"neutral","sentiment_score":0.050673421615591414},{"text":"So what in retirement, what do you think your income need would be?","start":525.96,"end":529.9,"sentiment":"neutral","sentiment_score":0.002235527651814314},{"text":"No.","start":532.44,"end":532.94,"sentiment":"neutral","sentiment_score":-0.10635946691036224},{"text":"Okay.","start":533.245,"end":533.48505,"sentiment":"neutral","sentiment_score":-0.03983424603939056},{"text":"So if you're debt free, wanting to do those, the traveling any ideas?","start":533.48505,"end":542.705,"sentiment":"neutral","sentiment_score":0.00172675415300406}],"sentiment":"neutral","sentiment_score":0.013757815402818889,"num_words":41,"start":518.335,"end":542.705},{"sentences":[{"text":"No.","start":544.445,"end":544.945,"sentiment":"neutral","sentiment_score":-0.18371841311454773},{"text":"That's okay.","start":546.125,"end":546.945,"sentiment":"neutral","sentiment_score":-0.022606538608670235},{"text":"That's fine.","start":548.76996,"end":549.49,"sentiment":"neutral","sentiment_score":0.1717224195599556},{"text":"We can just park that for later.","start":549.49,"end":552.14996,"sentiment":"neutral","sentiment_score":0.1453193255833217},{"text":"And you wanna retire with the biggest balance 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illness?","start":629.635,"end":639.23,"sentiment":"neutral","sentiment_score":-0.02035924128216246}],"sentiment":"neutral","sentiment_score":0.12889056390181916,"num_words":61,"start":606.715,"end":639.23},{"sentences":[{"text":"No.","start":643.29,"end":643.79,"sentiment":"neutral","sentiment_score":-0.2368184924125671},{"text":"Yep.","start":658.905,"end":659.385,"sentiment":"neutral","sentiment_score":0.14798134565353394},{"text":"I can definitely have a look at it for you if you like.","start":659.385,"end":661.885,"sentiment":"neutral","sentiment_score":0.2943235910855807},{"text":"Basically, how income protection works is you can cover up to 70% of your taxable income if you're unable to work due to injury or illness.","start":663.03,"end":673.61,"sentiment":"neutral","sentiment_score":0.16098275078603855},{"text":"And it covers you twenty four hours a day, seven days a week.","start":675.685,"end":679.92505,"sentiment":"neutral","sentiment_score":0.1874154553963588}],"sentiment":"neutral","sentiment_score":0.1918392958878367,"num_words":54,"start":643.29,"end":679.92505},{"sentences":[{"text":"So it doesn't matter if you're it's not the same as work cover, so it will cover you if you're injured outside of work hours.","start":679.92505,"end":687.625,"sentiment":"neutral","sentiment_score":0.1465001305937767},{"text":"Additionally, there are there are two options with it.","start":689.54004,"end":692.74,"sentiment":"neutral","sentiment_score":0.19585489564471775},{"text":"You've got your waiting period, which I kind of explain it to clients as your excess, similar to your car.","start":692.74,"end":698.42004,"sentiment":"neutral","sentiment_score":0.12719941437244414},{"text":"It's the number of days you need to wait before you can be paid or claim on it.","start":698.42004,"end":703.905,"sentiment":"neutral","sentiment_score":0.05694437068369654},{"text":"And then your benefit period dictates dictates the amount of time that you are eligible to be paid depending on how bad your injury or illness is.","start":703.98505,"end":713.42505,"sentiment":"neutral","sentiment_score":0.06801068658630054}],"sentiment":"neutral","sentiment_score":0.10939871538618598,"num_words":99,"start":679.92505,"end":713.42505},{"sentences":[{"text":"So they vary from two years to five years to age 65, which takes you through to retirement.","start":713.42505,"end":720.17,"sentiment":"neutral","sentiment_score":0.06389794374505679},{"text":"And your benefit your waiting period varies from thirty days and anywhere upwards to about six months, really.","start":720.79,"end":728.49,"sentiment":"neutral","sentiment_score":0.19144847616553307},{"text":"And it is a good policy to have.","start":730.79,"end":733.19,"sentiment":"positive","sentiment_score":0.48053472489118576},{"text":"It can be funded through your superannuation fund the same way your life and TPD presently is.","start":733.19,"end":740.525,"sentiment":"neutral","sentiment_score":0.2861659921267453},{"text":"So I can have a look at that for you if you like.","start":740.525,"end":743.085,"sentiment":"neutral","sentiment_score":0.1755595447925421}],"sentiment":"neutral","sentiment_score":0.2106433689997003,"num_words":74,"start":713.42505,"end":743.085},{"sentences":[{"text":"I'd probably just need you to confirm your in your taxable income with me, so a payslip of some description so I could confirm what levels of cover that you would be eligible to apply for.","start":743.085,"end":757.58997,"sentiment":"neutral","sentiment_score":0.1550727935714854},{"text":"No.","start":774.14496,"end":774.385,"sentiment":"neutral","sentiment_score":-0.123011976480484},{"text":"No.","start":774.385,"end":774.625,"sentiment":"neutral","sentiment_score":-0.09999753534793854},{"text":"That's okay.","start":774.625,"end":775.185,"sentiment":"neutral","sentiment_score":0.03193266876041889},{"text":"That's alright.","start":775.185,"end":775.81,"sentiment":"neutral","sentiment_score":0.2352183312177658}],"sentiment":"neutral","sentiment_score":0.14033126325479575,"num_words":42,"start":743.085,"end":775.81},{"sentences":[{"text":"You can send it through at a at a later time.","start":775.81,"end":777.73,"sentiment":"neutral","sentiment_score":0.18107624351978302},{"text":"That's absolutely fine.","start":777.73,"end":778.69,"sentiment":"neutral","sentiment_score":0.31576765576998395},{"text":"You don't need to send it now.","start":778.69,"end":780.23,"sentiment":"neutral","sentiment_score":0.11589564702340535},{"text":"But did you I can have a look at that for you if you like me to.","start":782.12994,"end":785.75,"sentiment":"neutral","sentiment_score":0.18831759209142013},{"text":"Do you think is that something you'd like?","start":787.41,"end":789.225,"sentiment":"neutral","sentiment_score":0.08524135779589415}],"sentiment":"neutral","sentiment_score":0.1659508935459282,"num_words":46,"start":775.81,"end":789.225},{"sentences":[{"text":"Yeah.","start":798.985,"end":799.485,"sentiment":"neutral","sentiment_score":-0.1455741822719574},{"text":"Yeah.","start":800.105,"end":800.345,"sentiment":"neutral","sentiment_score":-0.07828305661678314},{"text":"It's yeah.","start":800.345,"end":801.87,"sentiment":"neutral","sentiment_score":-0.11368409916758537},{"text":"Oh, gosh.","start":812.83,"end":813.65,"sentiment":"neutral","sentiment_score":-0.2929416447877884},{"text":"Well, yeah, you could probab yeah.","start":816.345,"end":819.005,"sentiment":"neutral","sentiment_score":-0.13049974665045738}],"sentiment":"neutral","sentiment_score":-0.15167560055851936,"num_words":12,"start":798.985,"end":819.005},{"sentences":[{"text":"I mean, it it is probably one of the most claimed on policies, to be honest with you, just because you are protecting your livelihood.","start":820.105,"end":830.125,"sentiment":"neutral","sentiment_score":-0.11148415774106979},{"text":"It it is in it's something that I just need to make you aware of.","start":834.62,"end":839.04004,"sentiment":"neutral","sentiment_score":0.02676138219734033},{"text":"Whether you wish to look at it further is entirely your choice.","start":839.34,"end":843.9,"sentiment":"neutral","sentiment_score":0.20863577350974083},{"text":"There is absolutely no pressure.","start":843.9,"end":845.76,"sentiment":"neutral","sentiment_score":0.1377405494451523},{"text":"I just need to my job is to let you know how you can protect yourself.","start":846.175,"end":850.35504,"sentiment":"neutral","sentiment_score":0.16104702185839415}],"sentiment":"neutral","sentiment_score":0.046347961212470104,"num_words":73,"start":820.105,"end":850.35504},{"sentences":[{"text":"You're covered for Yep.","start":854.495,"end":856.195,"sentiment":"neutral","sentiment_score":-0.17248682491481304},{"text":"Yep.","start":856.895,"end":857.215,"sentiment":"neutral","sentiment_score":-0.03840802609920502},{"text":"So life insurance is is if you pass away, and total and permanent disablement is basically if you are unable to ever return to the workforce based on your qualifications and experience.","start":857.215,"end":874.745,"sentiment":"neutral","sentiment_score":-0.24209851725026965},{"text":"So the way I'd like to think of it is is if you're in an office that you were bedridden, basically.","start":875.045,"end":885.785,"sentiment":"neutral","sentiment_score":-0.008356507734528609},{"text":"Because, yeah, you already have that.","start":888.30005,"end":890.46,"sentiment":"neutral","sentiment_score":0.004552364504585664}],"sentiment":"neutral","sentiment_score":-0.134745005518198,"num_words":64,"start":854.495,"end":890.46},{"sentences":[{"text":"Yep.","start":890.46,"end":890.96,"sentiment":"neutral","sentiment_score":0.05075487494468689},{"text":"Yep.","start":899.26,"end":899.66003,"sentiment":"neutral","sentiment_score":0.003775260178372264},{"text":"That's okay.","start":899.66003,"end":900.52496,"sentiment":"neutral","sentiment_score":0.030186332762241364},{"text":"Of course.","start":902.265,"end":902.825,"sentiment":"neutral","sentiment_score":0.010471868328750134},{"text":"And we will yeah.","start":902.825,"end":905.705,"sentiment":"neutral","sentiment_score":0.013151942286640406}],"sentiment":"neutral","sentiment_score":0.018845430645160376,"num_words":10,"start":890.46,"end":905.705},{"sentences":[{"text":"Of course.","start":905.705,"end":906.185,"sentiment":"neutral","sentiment_score":0.08414192497730255},{"text":"And we'll always talk to you about it in your reviews anyway and touch base, so that's absolutely fine.","start":906.185,"end":912.285,"sentiment":"neutral","sentiment_score":0.1625195863215547},{"text":"There's another level of cover as well that I do have to just inform you of.","start":913.23,"end":916.91003,"sentiment":"neutral","sentiment_score":0.03080962400417775},{"text":"It's trauma insurance.","start":916.91003,"end":918.05,"sentiment":"neutral","sentiment_score":0.014870376326143742},{"text":"It's a lump sum cover payable when you're diagnosed with a insurable event.","start":918.51,"end":926.45,"sentiment":"neutral","sentiment_score":0.017209896459602393}],"sentiment":"neutral","sentiment_score":0.07580093881291039,"num_words":53,"start":905.705,"end":926.45},{"sentences":[{"text":"Typically cancer, heart attack, stroke.","start":928.005,"end":930.345,"sentiment":"neutral","sentiment_score":-0.028991637751460075},{"text":"And that one's paid out of your personal cash flow if you want to explore that further.","start":931.685,"end":937.305,"sentiment":"neutral","sentiment_score":-0.002816229729967959},{"text":"So did you want to look at that or leave that again for the time being?","start":941.125,"end":945.69,"sentiment":"neutral","sentiment_score":-0.052325848722830415},{"text":"Entirely up to you.","start":945.69,"end":946.99005,"sentiment":"neutral","sentiment_score":-0.08099117502570152},{"text":"Yep.","start":949.45,"end":949.93005,"sentiment":"neutral","sentiment_score":0.05990060418844223}],"sentiment":"neutral","sentiment_score":-0.030095622549916424,"num_words":43,"start":928.005,"end":949.93005},{"sentences":[{"text":"That's absolutely okay.","start":949.93005,"end":951.55005,"sentiment":"neutral","sentiment_score":0.13148266325394312},{"text":"Alright.","start":952.89,"end":953.39,"sentiment":"neutral","sentiment_score":0.037337154150009155},{"text":"So the estate planning, the wills and power of attorney, I'm going to be annoying and be one of those people that says, please do this.","start":953.61005,"end":961.435,"sentiment":"neutral","sentiment_score":-0.21804061274115855},{"text":"What I can do, if you would like me to, I can send you a brochure of someone that we work with, and they do do them relative.","start":963.575,"end":974.86,"sentiment":"neutral","sentiment_score":0.06057012899379645},{"text":"They're they're quite price friendly compared to some of the the the ones I've seen in my time.","start":975.08,"end":983.33997,"sentiment":"neutral","sentiment_score":0.16787281094325912}],"sentiment":"neutral","sentiment_score":-0.006836797086227881,"num_words":76,"start":949.93005,"end":983.33997},{"sentences":[{"text":"So I'll send that through to you for you to have a look at.","start":984.965,"end":988.245,"sentiment":"neutral","sentiment_score":0.1236532452915396},{"text":"And if you decide to go down that path, you can reach out to them and arrange a time to meet with them, and they can do it all virtually as well.","start":988.245,"end":997.705,"sentiment":"neutral","sentiment_score":0.21708778338506818},{"text":"Looking at.","start":1010.85004,"end":1011.67004,"sentiment":"neutral","sentiment_score":0.041519444435834885},{"text":"I have sent you a email.","start":1014.225,"end":1018.085,"sentiment":"neutral","sentiment_score":0.04040976489583651},{"text":"Do you have access to your emails at the moment?","start":1018.145,"end":1020.245,"sentiment":"neutral","sentiment_score":0.005705056292936206}],"sentiment":"neutral","sentiment_score":0.14157035224343417,"num_words":64,"start":984.965,"end":1020.245},{"sentences":[{"text":"Yeah.","start":1022.145,"end":1022.645,"sentiment":"neutral","sentiment_score":0.0904591754078865},{"text":"It's just a review pack.","start":1022.945,"end":1024.725,"sentiment":"neutral","sentiment_score":0.07067261561751366},{"text":"So it's some documents that I'd like to talk through with you.","start":1025.425,"end":1028.85,"sentiment":"neutral","sentiment_score":0.04961109006156524},{"text":"If you can't view them at the moment, that's okay.","start":1028.85,"end":1031.33,"sentiment":"neutral","sentiment_score":-0.025634534284472467},{"text":"I'll talk to them, and you can have a look at them post our call if you like.","start":1031.33,"end":1035.43,"sentiment":"neutral","sentiment_score":0.14048879386650193}],"sentiment":"neutral","sentiment_score":0.07199148436927277,"num_words":46,"start":1022.145,"end":1035.43},{"sentences":[{"text":"Did you wanna bring them up or have a look post your call?","start":1040.13,"end":1046.755,"sentiment":"neutral","sentiment_score":0.0952011954325896},{"text":"Okay.","start":1046.755,"end":1047.255,"sentiment":"neutral","sentiment_score":0.17408183217048645},{"text":"It's just easier if I know so then I can guide you through the right way.","start":1047.875,"end":1052.215,"sentiment":"positive","sentiment_score":0.4845468606799841},{"text":"Okay.","start":1063.0901,"end":1063.5901,"sentiment":"neutral","sentiment_score":0.09785479307174684},{"text":"It will come through from Odusign or Jenna Wheeler.","start":1063.97,"end":1067.99,"sentiment":"neutral","sentiment_score":0.09086719900369644}],"sentiment":"neutral","sentiment_score":0.2520026681944728,"num_words":40,"start":1040.13,"end":1067.99},{"sentences":[{"text":"Yep.","start":1070.925,"end":1071.425,"sentiment":"neutral","sentiment_score":0.0570596382021904},{"text":"The email we have on file is Michelle.Doyle@Education.Vic.gov.au.","start":1072.365,"end":1079.905,"sentiment":"neutral","sentiment_score":0.023344765650108457},{"text":"Check your junk mail, maybe.","start":1085.5701,"end":1087.17,"sentiment":"neutral","sentiment_score":-0.3322903573513031},{"text":"Is that Alright.","start":1087.17,"end":1099.505,"sentiment":"neutral","sentiment_score":-0.12902148937185606},{"text":"I might just give it a sec because I can resend it if it doesn't pop up.","start":1099.505,"end":1103.685,"sentiment":"neutral","sentiment_score":-0.06847481013220899}],"sentiment":"neutral","sentiment_score":-0.0873167724622523,"num_words":34,"start":1070.925,"end":1103.685},{"sentences":[{"text":"I'll just hit resend and see.","start":1121.945,"end":1124.205,"sentiment":"neutral","sentiment_score":-0.02062025899067521},{"text":"Oh, thank you.","start":1136.505,"end":1137.6599,"sentiment":"neutral","sentiment_score":0.30483864247798925},{"text":"Thank you.","start":1137.6599,"end":1138.3999,"sentiment":"neutral","sentiment_score":0.2928117513656616},{"text":"Oh, that's okay.","start":1139.6599,"end":1140.5599,"sentiment":"neutral","sentiment_score":0.04879622285564741},{"text":"Okay.","start":1146.22,"end":1146.62,"sentiment":"neutral","sentiment_score":0.027751553803682327}],"sentiment":"neutral","sentiment_score":0.10337053990612427,"num_words":15,"start":1121.945,"end":1146.62},{"sentences":[{"text":"So let me know when you got those documents open.","start":1146.62,"end":1154.505,"sentiment":"neutral","sentiment_score":0.027060772851109506},{"text":"Yes.","start":1154.505,"end":1154.905,"sentiment":"neutral","sentiment_score":-0.022773439064621925},{"text":"But you're not signing anything at the moment.","start":1154.905,"end":1156.9249,"sentiment":"neutral","sentiment_score":-0.19401994720101357},{"text":"Okay.","start":1165.24,"end":1165.72,"sentiment":"neutral","sentiment_score":0.11306292563676834},{"text":"Beautiful.","start":1165.72,"end":1166.22,"sentiment":"neutral","sentiment_score":0.2856106162071228}],"sentiment":"neutral","sentiment_score":-0.0431262736341783,"num_words":21,"start":1146.62,"end":1166.22},{"sentences":[{"text":"Is it?","start":1167.56,"end":1168.2,"sentiment":"neutral","sentiment_score":0.017880577594041824},{"text":"Sorry.","start":1168.2,"end":1168.7,"sentiment":"neutral","sentiment_score":-0.1218278706073761},{"text":"Oh, okay.","start":1171.32,"end":1172.3,"sentiment":"neutral","sentiment_score":0.012364068068563938},{"text":"Well, the first document you're looking at is just an overall summary of your super and insurance.","start":1173.24,"end":1178.705,"sentiment":"neutral","sentiment_score":0.03131910676465315},{"text":"Your net wealth balance is presently sitting at a 197,249 with your CalLife insurance sitting at those figures that I mentioned before, 810,461 for life and TPD.","start":1179.965,"end":1195.3301,"sentiment":"neutral","sentiment_score":0.016507497574720118}],"sentiment":"neutral","sentiment_score":0.018709972861926168,"num_words":49,"start":1167.56,"end":1195.3301},{"sentences":[{"text":"So that's what that front document is.","start":1195.87,"end":1197.7101,"sentiment":"neutral","sentiment_score":0.07743813257132258},{"text":"It's just a bit of an overview.","start":1197.7101,"end":1199.0901,"sentiment":"neutral","sentiment_score":0.07345552423170634},{"text":"The next document is your returns for the last twelve months, so the performance of the portfolio.","start":1199.9501,"end":1205.885,"sentiment":"neutral","sentiment_score":0.04986438965972732},{"text":"So back towards earlier this year, the team got you out of an investment called Benelon Australian Equities Fund and replaced it with the Beta Australian two hundred shares fund.","start":1207.4651,"end":1222.37,"sentiment":"neutral","sentiment_score":-0.021613110167284805},{"text":"The reason being is that Banalong was systemically underperforming, and the decision was made by the investment committee to change them or replace them, I guess you'd say it.","start":1224.27,"end":1238.5149,"sentiment":"neutral","sentiment_score":-0.15550200178705412}],"sentiment":"neutral","sentiment_score":-0.03615556816673941,"num_words":90,"start":1195.87,"end":1238.5149},{"sentences":[{"text":"So the last twelve month performance, if you look at the bottom line on that page, you're still sitting at a negative 1.25% return.","start":1239.135,"end":1248.6549,"sentiment":"neutral","sentiment_score":-0.27929458270470303},{"text":"That's after fees and everything.","start":1248.6549,"end":1251.48,"sentiment":"neutral","sentiment_score":-0.2817223250865936},{"text":"But we have changed Benelon within that six month period.","start":1254.1,"end":1258.1,"sentiment":"neutral","sentiment_score":-0.1365936130285263},{"text":"So what we've done is come back and said the next document is a six month performance to show you that the portfolio is actually recovering.","start":1258.1,"end":1268.455,"sentiment":"neutral","sentiment_score":0.05519487890300157},{"text":"So in the last six months, it's the return is sitting at 9.47% after fees and costs.","start":1268.515,"end":1276.615,"sentiment":"neutral","sentiment_score":-0.009784512605298968}],"sentiment":"neutral","sentiment_score":-0.10010838540784323,"num_words":82,"start":1239.135,"end":1276.615},{"sentences":[{"text":"So it is it is bouncing back after we replaced that investment, but we're we're very transparent in the fact that that's why we provide the two reports.","start":1276.835,"end":1290.435,"sentiment":"neutral","sentiment_score":0.08942930001233305},{"text":"So your twelve month one, yes, it wasn't a great return, and that was due to the Benelong Australian Equity Fund.","start":1290.495,"end":1297.7151,"sentiment":"neutral","sentiment_score":-0.06415432159389768},{"text":"We actioned that from a, like you said, actively managed it, and it now the portfolio is starting to bounce back, which we're pleased with.","start":1300.255,"end":1309.05,"sentiment":"positive","sentiment_score":0.5147872304916382},{"text":"The next document in the pack is a Vanguard index chart.","start":1312.15,"end":1315.61,"sentiment":"neutral","sentiment_score":0.175870727409016},{"text":"What this shows you, and I like to use it with clients as a tool to talk about your tolerance to risk, is those top four on the right hand side, you've got US shares, Australian shares, international, and Australian listed property.","start":1315.91,"end":1333.91,"sentiment":"neutral","sentiment_score":0.1846817098557949}],"sentiment":"neutral","sentiment_score":0.18675330885517316,"num_words":127,"start":1276.835,"end":1333.91},{"sentences":[{"text":"They're your growth assets.","start":1334.37,"end":1335.8301,"sentiment":"neutral","sentiment_score":0.1260581947863102},{"text":"And you can see on that chart, they're the ones that experience the most volatility due to them being growth assets, basically.","start":1336.29,"end":1345.11,"sentiment":"neutral","sentiment_score":0.04336576976559379},{"text":"And the bottom two is your restrained bonds and cash.","start":1345.625,"end":1348.665,"sentiment":"neutral","sentiment_score":0.029311368986964226},{"text":"So they're more your defensive income producing assets that do provide a little bit grow of growth over a very long period of time, but they've their job is to produce income.","start":1348.665,"end":1361.51,"sentiment":"neutral","sentiment_score":0.1549145207973197},{"text":"And when the market is dipping or having a volatile moment, they're there just to try and produce income to some of that volatility.","start":1361.51,"end":1372.775,"sentiment":"neutral","sentiment_score":0.0037456569261848927}],"sentiment":"neutral","sentiment_score":0.07389732430000669,"num_words":92,"start":1334.37,"end":1372.775},{"sentences":[{"text":"So how you're invested at the moment from your risk profile is a high growth investor, and that is sits at a 90% allocation to those top four being your growth assets with a 10% to the bottom the bottom two areas being your defensive assets.","start":1374.1951,"end":1394.07,"sentiment":"neutral","sentiment_score":0.15036006773943486},{"text":"Now the the time frame of a high growth risk profile is a minimum of six years.","start":1394.69,"end":1404.885,"sentiment":"neutral","sentiment_score":0.00039695400525541864},{"text":"So what that tells us is is that to withstand that market volatility, you need to be have a time frame of a minimum of at least six years or sorry, eight years.","start":1405.345,"end":1417.4,"sentiment":"neutral","sentiment_score":-0.06472355703061278},{"text":"Sorry.","start":1417.4,"end":1417.9,"sentiment":"neutral","sentiment_score":-0.17405793070793152},{"text":"Wrong that's my my mistake there.","start":1418.04,"end":1420.22,"sentiment":"negative","sentiment_score":-0.3427513688802719}],"sentiment":"neutral","sentiment_score":0.024823959301976325,"num_words":103,"start":1374.1951,"end":1420.22},{"sentences":[{"text":"Eight years.","start":1420.28,"end":1421.1,"sentiment":"neutral","sentiment_score":-0.08172139152884483},{"text":"So given that you're twelve years from from preservation age, so being able to access it, that tells us that you are within that time frame.","start":1421.4,"end":1432.9349,"sentiment":"neutral","sentiment_score":0.0165734773215193},{"text":"But, also, I need to confirm with you that, you know, in a high growth portfolio, you're looking at one in every five years of being a negative return just due to that higher allocation to growth assets and anywhere either side of plus or minus 14% for volatility.","start":1433.715,"end":1454.1799,"sentiment":"negative","sentiment_score":-0.34190337542368443},{"text":"So, you know, one of those negative returns could look at potentially up to a negative 14% return just because you're in that growth asset.","start":1454.64,"end":1465.5951,"sentiment":"negative","sentiment_score":-0.40608837008476256},{"text":"So if you look at those big events like the GFC and COVID, whether the market's absolutely in a nontechnical term tanks, you you know, that in those events, that's where you could expect to see those type of negative returns.","start":1466.295,"end":1488.895,"sentiment":"neutral","sentiment_score":-0.2804670879026739}],"sentiment":"neutral","sentiment_score":-0.26669340996214974,"num_words":143,"start":1420.28,"end":1488.895},{"sentences":[{"text":"So in a high growth portfolio, on average, we expect between eight to 10% return.","start":1491.0349,"end":1498.99,"sentiment":"neutral","sentiment_score":-0.08399114360411962},{"text":"So from the six month return that we've provide performance, sorry, that we've provided tracking perfectly towards that.","start":1499.21,"end":1506.75,"sentiment":"neutral","sentiment_score":0.028642443629602592},{"text":"My question to you is, taking all that into consideration, are you still happy investing in a high growth portfolio, or would you like to maybe decrease some of your assets to those growth assets?","start":1507.53,"end":1520.525,"sentiment":"neutral","sentiment_score":-0.14163991617304938},{"text":"I can.","start":1529.32,"end":1529.96,"sentiment":"positive","sentiment_score":0.4917175769805908},{"text":"I can do that.","start":1529.96,"end":1530.84,"sentiment":"positive","sentiment_score":0.5135272294282913}],"sentiment":"neutral","sentiment_score":-0.03600211031231526,"num_words":74,"start":1491.0349,"end":1530.84},{"sentences":[{"text":"I'll do that in a moment.","start":1530.84,"end":1532.22,"sentiment":"positive","sentiment_score":0.4362376133600871},{"text":"I'll ask you a few questions, and then we'll go through that, and I can make a recommendation.","start":1532.68,"end":1537.9,"sentiment":"neutral","sentiment_score":0.2798403774698575},{"text":"The next document is your certificate of currency from TAL.","start":1540.885,"end":1545.845,"sentiment":"neutral","sentiment_score":0.19420964419841766},{"text":"So that's just showing you that your life and TPD insurance policies are in place and in force.","start":1545.845,"end":1552.345,"sentiment":"neutral","sentiment_score":0.18299776564041773},{"text":"The next document is our financial services guide.","start":1554.87,"end":1557.99,"sentiment":"neutral","sentiment_score":0.09461132623255253}],"sentiment":"neutral","sentiment_score":0.22745832179983458,"num_words":60,"start":1530.84,"end":1557.99},{"sentences":[{"text":"So it's a legal document that we provide with our provide to our clients.","start":1557.99,"end":1562.0901,"sentiment":"neutral","sentiment_score":0.11413978253092084},{"text":"It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process.","start":1562.55,"end":1579.835,"sentiment":"neutral","sentiment_score":0.043364817762504455},{"text":"The next document there's two more documents.","start":1582.25,"end":1584.2699,"sentiment":"neutral","sentiment_score":0.02841640849198614},{"text":"The next document is the adviser fee consent.","start":1585.37,"end":1589.47,"sentiment":"neutral","sentiment_score":0.03216620860621333},{"text":"So this is the renewal of the advice fee, which is funded through your superannuation fund.","start":1589.61,"end":1596.615,"sentiment":"neutral","sentiment_score":0.0639613342937082}],"sentiment":"neutral","sentiment_score":0.05574026867583558,"num_words":91,"start":1557.99,"end":1596.615},{"sentences":[{"text":"We so that is set at a percent fee of 1.1%.","start":1597.235,"end":1604.935,"sentiment":"neutral","sentiment_score":0.07309067452495749},{"text":"Then it would it's fixed at a flat dollar fee.","start":1605.795,"end":1610.7781,"sentiment":"neutral","sentiment_score":0.08106683269143104},{"text":"So rather than it be 1.1% fluctuating, they we calculate it based on your balance as when the review is done and equate that to 1.1%, and that's fixed for the next twelve months.","start":1610.7781,"end":1622.8485,"sentiment":"neutral","sentiment_score":0.08665280076949035},{"text":"So that would be $180 and sticks for the next twelve months.","start":1622.8485,"end":1625.125,"sentiment":"neutral","sentiment_score":0.09414323388288419},{"text":"So that would be $180.81 per month deducted from your superannuation fund if you decided to continue receiving advice from us.","start":1625.125,"end":1636.105,"sentiment":"neutral","sentiment_score":0.07916006960329555}],"sentiment":"neutral","sentiment_score":0.08355615046721968,"num_words":88,"start":1597.235,"end":1636.105},{"sentences":[{"text":"So that document does need signing if you wish to proceed.","start":1638.41,"end":1642.27,"sentiment":"neutral","sentiment_score":0.00534260052848946},{"text":"And then the next document is the authority for us to hold your tax file number.","start":1643.4501,"end":1651.85,"sentiment":"neutral","sentiment_score":0.07540400023572147},{"text":"So we have that on file due to setting up your superannuation fund.","start":1651.85,"end":1656.485,"sentiment":"neutral","sentiment_score":0.10463999412380733},{"text":"The this form is just you acknowledging that we do hold that on file, and you're okay with that.","start":1657.425,"end":1663.605,"sentiment":"neutral","sentiment_score":0.16759439322509265},{"text":"Okay.","start":1665.825,"end":1666.3049,"sentiment":"neutral","sentiment_score":0.07909692823886871}],"sentiment":"neutral","sentiment_score":0.09814904887850086,"num_words":60,"start":1638.41,"end":1666.3049},{"sentences":[{"text":"So those two documents out of the pack do require signing, but I'm going to jump over to what we call a risk profile questionnaire.","start":1666.3049,"end":1675.4701,"sentiment":"neutral","sentiment_score":0.06133827298879623},{"text":"I'm gonna ask you it's about seven questions.","start":1676.17,"end":1679.15,"sentiment":"neutral","sentiment_score":0.10030194744467735},{"text":"There's no right or wrong answer.","start":1679.4501,"end":1681.31,"sentiment":"neutral","sentiment_score":-0.091020744604369},{"text":"And based on this, it will help me give you a it'll help me understand your tolerance to risk and and make a recommendation.","start":1682.115,"end":1692.295,"sentiment":"neutral","sentiment_score":0.24198367881278196},{"text":"So the first question is is what's the most aggressive investment you've ever made?","start":1694.34,"end":1699.88,"sentiment":"neutral","sentiment_score":0.09261124261787959}],"sentiment":"neutral","sentiment_score":0.11550537175075574,"num_words":77,"start":1666.3049,"end":1699.88},{"sentences":[{"text":"The options are direct shares, managed funds, investment property, your own home, or a high interest bank account?","start":1700.66,"end":1708.475,"sentiment":"neutral","sentiment_score":0.04973159461385674},{"text":"Your house?","start":1711.255,"end":1712.0751,"sentiment":"neutral","sentiment_score":-0.0549156628549099},{"text":"Yep.","start":1712.215,"end":1712.715,"sentiment":"neutral","sentiment_score":0.06150263547897339},{"text":"Okay.","start":1714.055,"end":1714.555,"sentiment":"neutral","sentiment_score":0.04001792147755623},{"text":"And once you're in once investments have been placed, so if we think about this in relation to your superannuation, how long would it be before you need to access the capital?","start":1715.095,"end":1725.03,"sentiment":"neutral","sentiment_score":-0.004408647771924734}],"sentiment":"neutral","sentiment_score":0.013810763066565548,"num_words":54,"start":1700.66,"end":1725.03},{"sentences":[{"text":"Would it be longer than ten years, between seven to nine, and so on?","start":1725.3301,"end":1730.13,"sentiment":"neutral","sentiment_score":-0.034030175235654624},{"text":"Between four to six, two to three, or two years.","start":1730.13,"end":1733.175,"sentiment":"neutral","sentiment_score":-0.02555775362998247},{"text":"Yes.","start":1734.515,"end":1735.015,"sentiment":"neutral","sentiment_score":-0.031928639858961105},{"text":"Yep.","start":1736.355,"end":1736.855,"sentiment":"neutral","sentiment_score":0.04658085107803345},{"text":"So that would likely be ten years or more.","start":1737.235,"end":1740.455,"sentiment":"neutral","sentiment_score":-0.008989878412750032}],"sentiment":"neutral","sentiment_score":-0.022807333831276214,"num_words":35,"start":1725.3301,"end":1740.455},{"sentences":[{"text":"Do you agree with that?","start":1741.475,"end":1742.855,"sentiment":"neutral","sentiment_score":0.03060127645730972},{"text":"Yep.","start":1744.035,"end":1744.515,"sentiment":"neutral","sentiment_score":0.07257293164730072},{"text":"Okay.","start":1744.515,"end":1744.83,"sentiment":"neutral","sentiment_score":0.02509232982993126},{"text":"The next question is inflation means things are getting more expensive over time, making your money worth less.","start":1745.63,"end":1752.61,"sentiment":"neutral","sentiment_score":-0.1745946779847145},{"text":"How much risk are you willing to keep to take to keep up with the rising prices?","start":1753.23,"end":1758.69,"sentiment":"neutral","sentiment_score":-0.17382807679036083}],"sentiment":"neutral","sentiment_score":-0.13921690155707656,"num_words":42,"start":1741.475,"end":1758.69},{"sentences":[{"text":"So that's basically, the options is a very high risk, a high risk, moderate risk to outpace inflation, a small amount to keep pace with inflation, or you're unwilling to take any risk despite inflation.","start":1759.365,"end":1773.87,"sentiment":"neutral","sentiment_score":-0.1870882647378104},{"text":"Need you to answer that.","start":1788.725,"end":1795.625,"sentiment":"neutral","sentiment_score":-0.14534547924995422},{"text":"Okay.","start":1798.245,"end":1798.725,"sentiment":"neutral","sentiment_score":-0.03485867381095886},{"text":"Yep.","start":1798.725,"end":1799.225,"sentiment":"neutral","sentiment_score":-0.00394816230982542},{"text":"So, again, referring to your superannuation, how would you feel if in six months after investing that your portfolio decreased by 20% due to the trends in the financial market?","start":1802.42,"end":1814.6,"sentiment":"neutral","sentiment_score":-0.25613710346321267}],"sentiment":"neutral","sentiment_score":-0.20830189725125414,"num_words":72,"start":1759.365,"end":1814.6},{"sentences":[{"text":"So that's those volatility moments in the market on that Vanguard sheet.","start":1814.66,"end":1819.075,"sentiment":"neutral","sentiment_score":-0.24941793953378996},{"text":"Would you invest more heavily?","start":1819.615,"end":1822.275,"sentiment":"neutral","sentiment_score":-0.05239654928445816},{"text":"Would you invest modestly for growth?","start":1823.455,"end":1826.035,"sentiment":"neutral","sentiment_score":-0.04253195412456989},{"text":"Would you hold and wait to see for improvement?","start":1826.495,"end":1829.875,"sentiment":"neutral","sentiment_score":-0.09581501657764117},{"text":"Would you shift to defensive assets to try and minimize losses, or would you convert to cash?","start":1830.655,"end":1836.7,"sentiment":"neutral","sentiment_score":-0.07552421706564286}],"sentiment":"neutral","sentiment_score":-0.11543748132428344,"num_words":49,"start":1814.66,"end":1836.7},{"sentences":[{"text":"Yes.","start":1840.76,"end":1841.26,"sentiment":"neutral","sentiment_score":0.02996494248509407},{"text":"So, basically, the the question is, to put it differently, is if the market fell, would you consider putting in more money to buy at a discount?","start":1841.3999,"end":1859.0651,"sentiment":"neutral","sentiment_score":-0.05208837337515972},{"text":"Would you wait and see how the market recovers, or would you get really, really worried and move to defensive assets?","start":1859.525,"end":1871.1,"sentiment":"neutral","sentiment_score":-0.2000476817289988},{"text":"So yeah.","start":1871.1,"end":1872.09,"sentiment":"neutral","sentiment_score":-0.04291786439716816},{"text":"Okay.","start":1879.995,"end":1880.3151,"sentiment":"neutral","sentiment_score":-0.015707630664110184}],"sentiment":"neutral","sentiment_score":-0.10921088104637769,"num_words":52,"start":1840.76,"end":1880.3151},{"sentences":[{"text":"So the yeah.","start":1880.3151,"end":1883.8351,"sentiment":"neutral","sentiment_score":-0.12222633510828018},{"text":"It could potentially be seen as that.","start":1883.8351,"end":1887.6951,"sentiment":"neutral","sentiment_score":-0.19934723206928798},{"text":"So yeah.","start":1887.755,"end":1888.59,"sentiment":"neutral","sentiment_score":-0.03900952823460102},{"text":"I mean, would you wait and see?","start":1888.6699,"end":1892.4299,"sentiment":"neutral","sentiment_score":-0.037015364106212346},{"text":"Would you want to invest more money?","start":1892.4299,"end":1894.61,"sentiment":"neutral","sentiment_score":-0.08393125661781856}],"sentiment":"neutral","sentiment_score":-0.10333673197489518,"num_words":26,"start":1880.3151,"end":1894.61},{"sentences":[{"text":"If you think about it so one of the things that one of the easiest ways to explain the theory behind that is if the market's down so say, for example, let's just use CBA shares.","start":1903.725,"end":1924.06,"sentiment":"neutral","sentiment_score":-0.04466708723662628},{"text":"They're valued at, let's say, $200 today.","start":1925.32,"end":1929.555,"sentiment":"neutral","sentiment_score":0.00994342751801014},{"text":"If the market fell and they had a the CBA shares were impacted and they have well, they reduced by 20%.","start":1930.1151,"end":1940.295,"sentiment":"neutral","sentiment_score":-0.1409973388626462},{"text":"So they went down to a $160 a share.","start":1941.555,"end":1947.03,"sentiment":"neutral","sentiment_score":-0.13757742361889946},{"text":"Knowing that over time, markets recover, what would you do?","start":1948.37,"end":1953.83,"sentiment":"neutral","sentiment_score":-0.052681905962526795}],"sentiment":"neutral","sentiment_score":-0.07547435103859527,"num_words":83,"start":1903.725,"end":1953.83},{"sentences":[{"text":"Would you wait?","start":1955.01,"end":1956.3099,"sentiment":"neutral","sentiment_score":-0.041910781214634575},{"text":"Would you maybe buy some more, or would you just do nothing?","start":1957.01,"end":1964.115,"sentiment":"neutral","sentiment_score":-0.053715840292473636},{"text":"Yeah.","start":1965.535,"end":1966.035,"sentiment":"neutral","sentiment_score":-0.06860139966011047},{"text":"Yep.","start":1967.055,"end":1967.555,"sentiment":"neutral","sentiment_score":-0.016283662989735603},{"text":"Yeah.","start":1973.775,"end":1974.275,"sentiment":"neutral","sentiment_score":-0.021104950457811356}],"sentiment":"neutral","sentiment_score":-0.048684024458958045,"num_words":18,"start":1955.01,"end":1974.275},{"sentences":[{"text":"No.","start":1975.3099,"end":1975.47,"sentiment":"neutral","sentiment_score":-0.031864821910858154},{"text":"That's absolutely fine.","start":1975.47,"end":1977.01,"sentiment":"neutral","sentiment_score":0.19030523051818213},{"text":"The next question is, what kind of return would you expect to get from your superannuation over the long term?","start":1977.95,"end":1984.45,"sentiment":"neutral","sentiment_score":0.054090287536382675},{"text":"8% of or above, six to 8%, four to 6%, two to 4%, or zero to 2% over the long term.","start":1984.83,"end":1997.175,"sentiment":"neutral","sentiment_score":0.014728774006168047},{"text":"So just long term if you average yep.","start":1997.175,"end":2000.795,"sentiment":"neutral","sentiment_score":0.03983081708429381}],"sentiment":"neutral","sentiment_score":0.04243032851274002,"num_words":53,"start":1975.3099,"end":2000.795},{"sentences":[{"text":"Have your investments, including your superannuation, ever dropped in value?","start":2005.99,"end":2010.33,"sentiment":"neutral","sentiment_score":-0.025659887585788965},{"text":"If yes, how did it make you feel?","start":2011.11,"end":2013.21,"sentiment":"neutral","sentiment_score":0.016827695537358522},{"text":"Optimistic, cautious, concerned, highly anxious, or seeking to maintain a loss free record.","start":2014.3099,"end":2022.225,"sentiment":"neutral","sentiment_score":-0.2563281999184535},{"text":"Yes.","start":2027.885,"end":2028.385,"sentiment":"neutral","sentiment_score":0.03726670145988464},{"text":"Yes.","start":2028.525,"end":2028.765,"sentiment":"neutral","sentiment_score":0.05330018699169159}],"sentiment":"neutral","sentiment_score":-0.1019296067287073,"num_words":33,"start":2005.99,"end":2028.765},{"sentences":[{"text":"So when it's dropping, how does how do you feel?","start":2028.765,"end":2031.21,"sentiment":"neutral","sentiment_score":0.07399463467299938},{"text":"Yep.","start":2037.37,"end":2037.69,"sentiment":"neutral","sentiment_score":0.192413330078125},{"text":"So optimistic.","start":2037.69,"end":2038.51,"sentiment":"neutral","sentiment_score":0.32885028421878815},{"text":"Do you feel Yep.","start":2041.77,"end":2043.39,"sentiment":"neutral","sentiment_score":0.24102159217000008},{"text":"Yep.","start":2044.89,"end":2045.39,"sentiment":"neutral","sentiment_score":0.13287562131881714}],"sentiment":"neutral","sentiment_score":0.1492790130691396,"num_words":18,"start":2028.765,"end":2045.39},{"sentences":[{"text":"Yeah.","start":2046.2451,"end":2046.7251,"sentiment":"neutral","sentiment_score":0.10854090750217438},{"text":"So maybe between so cautious with no further investments planned or optimistic with future investments.","start":2046.7251,"end":2054.5051,"sentiment":"neutral","sentiment_score":-0.013610676924387614},{"text":"Yep.","start":2059.7651,"end":2060.2651,"sentiment":"neutral","sentiment_score":0.08719652891159058},{"text":"Okay.","start":2060.405,"end":2060.905,"sentiment":"neutral","sentiment_score":0.06206227466464043},{"text":"And then the last question is, have you ever thought about taking out a loan to invest?","start":2061.39,"end":2068.0498,"sentiment":"neutral","sentiment_score":0.023017084335579592}],"sentiment":"neutral","sentiment_score":0.01271228545478412,"num_words":35,"start":2046.2451,"end":2068.0498},{"sentences":[{"text":"And if so, would it be for shares and investment funds or an investment property or for your own home?","start":2068.91,"end":2077.885,"sentiment":"neutral","sentiment_score":0.009643235057592393},{"text":"Yep.","start":2080.665,"end":2081.165,"sentiment":"neutral","sentiment_score":-0.03074503503739834},{"text":"So have you borrowed money have you thought about borrowing money for a investment property?","start":2081.385,"end":2090.21,"sentiment":"neutral","sentiment_score":-0.02543236513932546},{"text":"Yep.","start":2090.59,"end":2091.09,"sentiment":"neutral","sentiment_score":0.013878464698791504},{"text":"Yeah.","start":2091.79,"end":2092.27,"sentiment":"neutral","sentiment_score":0.004706240259110928}],"sentiment":"neutral","sentiment_score":-0.005283713316250788,"num_words":38,"start":2068.91,"end":2092.27},{"sentences":[{"text":"Kind of.","start":2092.27,"end":2092.9102,"sentiment":"neutral","sentiment_score":-0.004357532132416964},{"text":"Yeah.","start":2092.9102,"end":2093.4102,"sentiment":"neutral","sentiment_score":-0.005898299627006054},{"text":"So you've never thought of an investment property or just your home rent home?","start":2095.95,"end":2100.83,"sentiment":"neutral","sentiment_score":-0.026615121069231203},{"text":"Yep.","start":2100.83,"end":2101.33,"sentiment":"neutral","sentiment_score":0.039779357612133026},{"text":"Okay.","start":2101.755,"end":2102.255,"sentiment":"neutral","sentiment_score":0.09179133921861649}],"sentiment":"neutral","sentiment_score":-0.01345549273843828,"num_words":19,"start":2092.27,"end":2102.255},{"sentences":[{"text":"That's okay.","start":2102.555,"end":2103.355,"sentiment":"neutral","sentiment_score":0.24152957648038864},{"text":"Beautiful.","start":2103.355,"end":2103.855,"sentiment":"positive","sentiment_score":0.4313875436782837},{"text":"So what you've come out as based on the risk profile is a growth investor.","start":2103.9148,"end":2109.755,"sentiment":"neutral","sentiment_score":0.024843808263540268},{"text":"So it's a step below your current risk profile.","start":2109.755,"end":2112.8948,"sentiment":"neutral","sentiment_score":-0.032120415940880775},{"text":"Now what what that means is instead of having an allocation to growth assets sitting at 80 90%, growth investor would typically have it sitting at 80% with their defensive assets at 20 instead of 10 for a which you are now as a high growth.","start":2113.755,"end":2134.4949,"sentiment":"neutral","sentiment_score":0.02939642054717178}],"sentiment":"neutral","sentiment_score":0.03219527975745397,"num_words":73,"start":2102.555,"end":2134.4949},{"sentences":[{"text":"Again, the minimum time frame for that is six years, and you could with you could expect, again, the same as a high growth, one in every five years being a negative year, but the main difference being the market volatility being plus or minus 11%.","start":2135.035,"end":2155.56,"sentiment":"neutral","sentiment_score":-0.1019386826487987},{"text":"So there's a there's a 3% difference there between the high growth and growth portfolio for volatility and then an overall expected return of seven to 9% per annum.","start":2155.62,"end":2169.6948,"sentiment":"neutral","sentiment_score":-0.04879923498836057},{"text":"So what it means is you would decrease your growth assets and increase your defensive assets.","start":2170.155,"end":2179.55,"sentiment":"neutral","sentiment_score":-0.07481640670448542},{"text":"But given that you do have twelve years before you can access this and yes.","start":2180.01,"end":2186.715,"sentiment":"neutral","sentiment_score":-0.030143162856499355},{"text":"Yep, I I think high growth is appropriate.","start":2187.195,"end":2189.7751,"sentiment":"neutral","sentiment_score":0.1430586315691471}],"sentiment":"neutral","sentiment_score":-0.057974544860291896,"num_words":114,"start":2135.035,"end":2189.7751},{"sentences":[{"text":"As we approach retirement, as you approach retirement, there are there are stages where we look at decreasing allocations to growth assets as retirement approaches to start allowing for more income producing investments over the lead up to retirement.","start":2190.475,"end":2214.6602,"sentiment":"neutral","sentiment_score":0.014498646060625711},{"text":"So I personally recommend would recommend a high growth portfolio for you, and I just need to know if you're comfortable with that.","start":2215.155,"end":2225.735,"sentiment":"neutral","sentiment_score":0.14972861629465353},{"text":"Okay.","start":2227.395,"end":2227.895,"sentiment":"neutral","sentiment_score":0.2017628848552704},{"text":"Wonderful.","start":2229.315,"end":2229.815,"sentiment":"positive","sentiment_score":0.7806376218795776},{"text":"Alright.","start":2230.5151,"end":2230.89,"sentiment":"positive","sentiment_score":0.4701423048973083}],"sentiment":"neutral","sentiment_score":0.0840268951195937,"num_words":65,"start":2190.475,"end":2230.89},{"sentences":[{"text":"What so from here, my action items is is we're pretty comfortable with your portfolio for the time being with no changes noted for us to make at the moment.","start":2231.7698,"end":2245.8699,"sentiment":"neutral","sentiment_score":0.24724240625898045},{"text":"I'm going yep.","start":2249.085,"end":2250.625,"sentiment":"neutral","sentiment_score":0.04372267114619414},{"text":"Oh, okay.","start":2262.72,"end":2263.12,"sentiment":"neutral","sentiment_score":0.04045429825782776},{"text":"So is that a part of did I pay you a little bit extra super if you contribute?","start":2263.12,"end":2267.78,"sentiment":"neutral","sentiment_score":0.01612056207118763},{"text":"Yeah.","start":2277.2249,"end":2277.7249,"sentiment":"neutral","sentiment_score":-0.017999369651079178}],"sentiment":"neutral","sentiment_score":0.14632443602507314,"num_words":54,"start":2231.7698,"end":2277.7249},{"sentences":[{"text":"Yeah.","start":2277.9448,"end":2278.4448,"sentiment":"neutral","sentiment_score":-0.0607701800763607},{"text":"Did you did you did you want advice surrounding that, or is it have you already selected an amount?","start":2280.585,"end":2287.645,"sentiment":"neutral","sentiment_score":-0.06610350428443205},{"text":"Yeah.","start":2290.425,"end":2290.74,"sentiment":"neutral","sentiment_score":0.013193771243095398},{"text":"Did you want us to look at that for you as to what amount would be best, or have you decide are you gonna pick an amount?","start":2291.7,"end":2301.56,"sentiment":"neutral","sentiment_score":0.027539995119527535},{"text":"And and that's just for you to build your super.","start":2311.125,"end":2315.3052,"sentiment":"neutral","sentiment_score":0.18657488077878953}],"sentiment":"neutral","sentiment_score":0.02251354630651145,"num_words":58,"start":2277.9448,"end":2315.3052},{"sentences":[{"text":"Okay.","start":2318.645,"end":2318.94,"sentiment":"neutral","sentiment_score":0.16181592643260956},{"text":"Yeah.","start":2323.8198,"end":2324.3,"sentiment":"neutral","sentiment_score":0.04744343087077141},{"text":"Okay.","start":2324.3,"end":2324.78,"sentiment":"neutral","sentiment_score":0.03325903043150902},{"text":"Did the tax agent give you any idea of how much you should be contributing or no?","start":2324.78,"end":2329.92,"sentiment":"neutral","sentiment_score":0.013399009757182178},{"text":"Okay.","start":2331.3398,"end":2331.8398,"sentiment":"neutral","sentiment_score":0.003101121634244919}],"sentiment":"neutral","sentiment_score":0.022542984535296757,"num_words":21,"start":2318.645,"end":2331.8398},{"sentences":[{"text":"Alright.","start":2332.4648,"end":2332.9648,"sentiment":"neutral","sentiment_score":0.010577536188066006},{"text":"Oh, no.","start":2334.145,"end":2334.7048,"sentiment":"neutral","sentiment_score":-0.034656861796975136},{"text":"No.","start":2334.7048,"end":2334.865,"sentiment":"neutral","sentiment_score":-0.08110560476779938},{"text":"No.","start":2334.865,"end":2334.9448,"sentiment":"neutral","sentiment_score":-0.1185629740357399},{"text":"No.","start":2334.9448,"end":2335.4448,"sentiment":"neutral","sentiment_score":-0.1415574848651886}],"sentiment":"neutral","sentiment_score":-0.06666037517910202,"num_words":6,"start":2332.4648,"end":2335.4448},{"sentences":[{"text":"I I'm only asking because we can definitely give you advice on that, but it also comes down to potentially, it could be more better to do more, but it also comes down to affordability as well.","start":2335.505,"end":2348.94,"sentiment":"neutral","sentiment_score":-0.03504638353715072},{"text":"So that's why I was kind of asking, have you picked an amount?","start":2349.24,"end":2355.26,"sentiment":"neutral","sentiment_score":0.020618288706128415},{"text":"If you haven't, I can definitely we can definitely look at giving you some advice surrounding that.","start":2355.3198,"end":2361.605,"sentiment":"neutral","sentiment_score":0.09155236754347296},{"text":"But if you're if you're wanting to start with that and then review it over time, that's something that we can look at as well over our next few and your reviews.","start":2362.465,"end":2373.845,"sentiment":"neutral","sentiment_score":0.08509954262990505},{"text":"So I'm kind of gauging from you what your thoughts are and what your plans are.","start":2373.905,"end":2378.79,"sentiment":"neutral","sentiment_score":0.17896718066185713}],"sentiment":"neutral","sentiment_score":0.053168452741659204,"num_words":115,"start":2335.505,"end":2378.79},{"sentences":[{"text":"And do you do you want advice on that right now?","start":2379.49,"end":2382.71,"sentiment":"neutral","sentiment_score":0.07805270329117775},{"text":"Oh, not right now on the phone.","start":2387.57,"end":2388.85,"sentiment":"neutral","sentiment_score":-0.085972361266613},{"text":"I'll have to go away and do some research and then give you an advice document.","start":2388.85,"end":2401.5735,"sentiment":"neutral","sentiment_score":-0.02979105949634686},{"text":"Your super funds.","start":2422.005,"end":2423.2249,"sentiment":"neutral","sentiment_score":0.020174918696284294},{"text":"Yep.","start":2426.4849,"end":2426.9849,"sentiment":"neutral","sentiment_score":-0.0007830355316400528}],"sentiment":"neutral","sentiment_score":-0.0042142637907282305,"num_words":38,"start":2379.49,"end":2426.9849},{"sentences":[{"text":"Yep.","start":2427.125,"end":2427.625,"sentiment":"neutral","sentiment_score":-0.015401184558868408},{"text":"What's it?","start":2427.6848,"end":2428.665,"sentiment":"neutral","sentiment_score":-0.0633714497089386},{"text":"Yeah.","start":2429.4448,"end":2429.9448,"sentiment":"neutral","sentiment_score":0.1012534350156784},{"text":"Well, what I can do is I can give you a very simple general information table showing you what $50 per fortnight would do from a tax perspective for you.","start":2430.11,"end":2443.09,"sentiment":"neutral","sentiment_score":0.1708831359942754},{"text":"If you wanted us to then go deeper and say how much you should be doing, like, what's the best outcome to build your super, and then look at it from a tax planning perspective as well, we can do that.","start":2443.365,"end":2458.105,"sentiment":"neutral","sentiment_score":0.14736521062327596}],"sentiment":"neutral","sentiment_score":0.14836769421895346,"num_words":75,"start":2427.125,"end":2458.105},{"sentences":[{"text":"But what I can do is I can just send you a a brief email with a calculation showing you what that is.","start":2458.1902,"end":2465.09,"sentiment":"neutral","sentiment_score":0.11431439577237419},{"text":"And then if you wanted to depending on what you wanna do post that, we can just have another conversation.","start":2465.4702,"end":2471.7302,"sentiment":"neutral","sentiment_score":0.07976275142282248},{"text":"Okay.","start":2474.4448,"end":2474.9448,"sentiment":"neutral","sentiment_score":0.08999629318714142},{"text":"Do you have any other questions for me?","start":2476.4448,"end":2478.7048,"sentiment":"neutral","sentiment_score":0.06500330939888954},{"text":"No.","start":2480.765,"end":2481.265,"sentiment":"neutral","sentiment_score":-0.135661780834198}],"sentiment":"neutral","sentiment_score":0.08865749280688898,"num_words":53,"start":2458.1902,"end":2481.265},{"sentences":[{"text":"So it's a lot of information to take in at once, so I'm sorry about that.","start":2481.9648,"end":2486.785,"sentiment":"neutral","sentiment_score":-0.11324781901203096},{"text":"Okay.","start":2488.76,"end":2489.24,"sentiment":"neutral","sentiment_score":0.03601065278053284},{"text":"Alright.","start":2489.24,"end":2489.64,"sentiment":"neutral","sentiment_score":0.05437245965003967},{"text":"Well, I will let you go, Michelle.","start":2489.64,"end":2492.6199,"sentiment":"neutral","sentiment_score":0.0777483880519867},{"text":"But yeah.","start":2493.4,"end":2495.24,"sentiment":"neutral","sentiment_score":0.06237088330090046}],"sentiment":"neutral","sentiment_score":-0.03898524106652648,"num_words":27,"start":2481.9648,"end":2495.24},{"sentences":[{"text":"Yeah.","start":2495.24,"end":2495.48,"sentiment":"neutral","sentiment_score":0.13702408969402313},{"text":"If as long as you're comfortable too and you're happy to proceed.","start":2495.48,"end":2498.22,"sentiment":"neutral","sentiment_score":0.30375986484189826},{"text":"And I'm off work tomorrow, but I will get I'll ask the team to send you I'll actual no.","start":2498.28,"end":2506.625,"sentiment":"neutral","sentiment_score":-0.05273923709204322},{"text":"I'll get the team to produce it, and I'll send you an email on Monday with the with an outline of that basic calculation.","start":2506.625,"end":2513.925,"sentiment":"neutral","sentiment_score":0.11567666660994291},{"text":"Fantastic.","start":2517.3398,"end":2517.8398,"sentiment":"positive","sentiment_score":0.7308119535446167}],"sentiment":"neutral","sentiment_score":0.11030085816195137,"num_words":57,"start":2495.24,"end":2517.8398},{"sentences":[{"text":"Well, thank you so much for your time.","start":2518.7,"end":2520.46,"sentiment":"positive","sentiment_score":0.7385809198021889},{"text":"I really appreciate it, and it was lovely speaking with you.","start":2520.46,"end":2523.76,"sentiment":"positive","sentiment_score":0.5407161888751116},{"text":"Thank you.","start":2525.74,"end":2526.3,"sentiment":"positive","sentiment_score":0.6956343650817871},{"text":"Enjoy your evening.","start":2526.3,"end":2527.3599,"sentiment":"positive","sentiment_score":0.7332869370778402},{"text":"Okay.","start":2528.7,"end":2529.2,"sentiment":"neutral","sentiment_score":0.16337893903255463}],"sentiment":"positive","sentiment_score":0.6244413566589355,"num_words":25,"start":2518.7,"end":2529.2},{"sentences":[{"text":"Bye.","start":2529.26,"end":2529.76,"sentiment":"neutral","sentiment_score":-0.11847805231809616}],"sentiment":"neutral","sentiment_score":-0.11847805231809616,"num_words":1,"start":2529.26,"end":2529.76}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Good. Thanks. Yeah. That's fine. Yeah. Michelle Doyle, six and nine seventy eight, sixty one Woodell Street, Shepparton, Victoria. Yep. Yeah. Not too bad. No. No. Nothing's changed. Yep. Yep. Oh, we've got three, but the oldest is 20 six. Yep. I think around 2009, maybe. Yeah. Yeah. I'm in well-being now. So same school, just different area. Yeah. Yep. 58. No. I think it's a lot higher than that. I think it's about $80.86 maybe. No. That probably includes super. And then, like, groceries and everything. What's that including like? It's probably higher than that now. I couldn't even pick how high what what did you say? A week? Yeah. Maybe. Is that doesn't does that include just, like, just grocery like, what's it in does it does it include the house or not currently? Yeah. And I probably keep them separate. So yeah. And I'm probably maybe 600 a week. I don't know. It's hard to tell. Different every week, isn't it? Yeah. No. I probably just yeah. Probably combined. So once so the mortgage and the cars are all together now. Yep. So they're kinda together, but they're not together. But they get taken out at the same time. $8.56 is one, and then I think the other one's $3.58 or something like that. Yeah. Well, no. Because it's it's oh, actual the actual mortgage. Yeah. Sorry. Yeah. No. I was thinking about $2.20 a week. No. I think it's going up a little bit because we brought a caravan. So I don't know. Maybe it's about $2.30. Yeah. Yeah. So the car's in the caravan. So both our cars and the caravan as a $3.56 or something. Yeah. Yeah. Roughly. Yep. No. No. No. No. No. No. Sorry. 356 a fortnight. Yeah. No. They're it's only, like, 50. Yeah. Or 40. It might even be 40. Yeah. The Caravan's 40,000, and the cars are probably 20 h. No. No. No. No. No. No. We don't. No. It's bad. Alright. My mom keeps going through with me. You need to do that. Yeah. Yep. Yeah. Yeah. Must have done it. Yeah. Yeah. I think instead we brought the caravan. Yeah. Oh, I'd love to, but I don't know if we ever will. But yeah. Yeah. Yeah. Yes. Yes. I don't know, actually. I've never really thought about it. I don't even know what the age is. Yep. Yeah. So so you could retire at 60 if you wanted to, but, yeah, most people would go to about 60. Yeah. I don't know. Maybe. Most people would probably go to about 65, wouldn't they, or 60? Is that what you said? Yeah. I have no idea. No. I have no idea. Yeah. Yeah. Ideally. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Yeah. No. I don't think so. I think yeah. Yep. Oh, I've never really worried about any of that. Yeah. I don't know. Ideally, like, it would be good, but I don't know. I just don't yeah. I've never really looked into, like, that kind of life insurance and stuff like that. Yeah. Yeah. Yep. Yeah. Okay. Yeah. So I just I don't we didn't even get that anymore, do we? Like, a I could probably find a payslip, but I don't have one, like, writing, like, on me. Oh, yep. I'm not sure. I just feel like it's an added, like, number insurance. You know what I mean? Like, you pay all these different insurances, and it's just, like, I don't know. You're, like, turning it down. I know it's, like, silly example, but, like, when we first got one of our dogs, we don't have any longer. They're like, oh, do you want pet insurance? I'm like, no. No. No. I don't need that. And then that night, it broke its leg, and I'm like, it's too late to get pet insurance. And they're like, yep. Oh, no. Yeah. Yeah. So what's the other one that I get already? That's the if, like, if I pass away. Yep. Yeah. And that's the one I've already got. Yeah. Yeah. No. I'll probably pass on the other one for now. I can always change that at a later date anyway, but have us thought about think about a bit more. Yeah. Yeah. Oh, okay. Yep. Yeah. I might leave it for now. Oh, yeah. That'd be great. Yep. Yep. Yeah. Yep. Alright. Yep. Yeah. Alright. Yeah. I need to look into both our workers works as well. Like, they might even offer them. Some sometimes workplaces offer them. Yeah. Mhmm. On my phone, I do. Yep. Let me just have a look. And I think it's come free yet. What comes free from a Just on my email. Well, we have a Yeah. That's right. I don't have anything come through yet, though. I got all my other ones from you. It shouldn't shouldn't have went to that, but I'll have a look. No. It's sent in. Yeah. Maybe. I'm, like, resetting my emails, but nothing's coming through. Oh, yeah. It just come through. I'll probably get two now. You want Yeah. I just have to it says signed up, so go into that one. Yep. Yeah. I can see it. It's really small. No. No. No. It's just on my phone. Yep. Yep. Yep. Yep. Yep. Yes. Oh, okay. Yes. Yep. Yes. Yep. Yes. Yep. Yes. Yes. Yes. Yeah. Yeah. Oh, I don't really know. Like, what do you are you allowed to recommend what to do? Yes. Alright. Yep. Yep. Yes. Yep. Okay. Yeah. Yep. Yep. Yes. Oh, just the house. I haven't done anything else. Yeah. So that would be longer, wouldn't it? Because we don't access it till yeah. Yeah. Yeah. Yep. Moderate or high? I don't know. Maybe moderate? Yeah. I have no IDs, and that's what we Yeah. So if we were in if we were in something that was falling, would we just stay there and keep it falling, or would we move it? Is that what you mean? No. I don't think I'd wanna invest more because then wouldn't you lose more? Or Yes. Yeah. Oh, I said I really understand shares. I know that they go up and down all the time. I don't no. I don't think I've I think I've wait, maybe. Yeah. Over what period? Hopefully, eight. When I look like, does that mean, like, when I look at it and I can see it going up and down? I kinda just think, oh, did these things happen kind of thing? Like, yeah, because then eventually it does start. You can see it growing again. So Possibly optimistic with future investments. No. Not really. Oh, I suppose we borrowed money for the caravan, didn't we? Oh, that's an investment. No. No. Yep. Yeah. I think stay like that it's yeah. Yeah. Yeah. Then you'd be a bit more cautious. Yeah. Yep. Yep. Yeah. Yep. Yeah. Yeah. Keep it with what it is. Yeah. Yep. I was gonna start to I've got the thing from work to start contributing with my own the tax free one, like, the one that it's like we don't do oh, I forgot what it's called. Yeah. That's it. That's what it's called. Yeah. So it's sad. Yeah. I was gonna do that. No. I haven't started it yet. I've just thought about it. I was just I was just thinking around, like, maybe $50 a fortnight to start with and then just see. I just yeah. I just thought to do it maybe. And I think the tax agent said it's a good way of doing it as well. No. No. No. Do you think it should be more? Yeah. Yeah. Yeah. Alright. From you, like, right now. Yeah. Oh, yeah. If you want to. I don't know. Yeah. I was just, yeah, I was just thinking about it because, you know, how some people do, like, the where they put money aside and then at the end of, like, a Christmas, they can I was asking about that, and they're like, oh, no? We don't do that, but you can be the one that you go to salary sacrifice that goes into and then it reduces your tax tax time or something? Or I'm not quite know how it works. Oh, yeah. Okay. Yeah. Yep. Yeah. Alright. No. No. It is. No. That's okay. Yep. And I'll just sign this document. Yep. Yes. Yeah. Okay. Yep. Alright. No worries. No. That's okay. Thank you. Yep. You too. Thank you. You too. 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Yes. Good. Thanks. Yeah.\n\nThat's fine. Yeah. Michelle Doyle, six and nine seventy eight, sixty one Woodell Street, Shepparton, Victoria. Yep. Yeah.\n\nNot too bad. No. No. Nothing's changed. Yep.\n\nYep. Oh, we've got three, but the oldest is 20 six. Yep. I think around 2009, maybe. Yeah.\n\nYeah. I'm in well-being now. So same school, just different area. Yeah. Yep.\n\n58. No. I think it's a lot higher than that. I think it's about $80.86 maybe. No.\n\nThat probably includes super. And then, like, groceries and everything. What's that including like? It's probably higher than that now. I couldn't even pick how high what what did you say?\n\nA week? Yeah. Maybe. Is that doesn't does that include just, like, just grocery like, what's it in does it does it include the house or not currently? Yeah.\n\nAnd I probably keep them separate. So yeah. And I'm probably maybe 600 a week. I don't know. It's hard to tell.\n\nDifferent every week, isn't it? Yeah. No. I probably just yeah. Probably combined.\n\nSo once so the mortgage and the cars are all together now. Yep. So they're kinda together, but they're not together. But they get taken out at the same time. $8.56 is one, and then I think the other one's $3.58 or something like that.\n\nYeah. Well, no. Because it's it's oh, actual the actual mortgage. Yeah. Sorry.\n\nYeah. No. I was thinking about $2.20 a week. No. I think it's going up a little bit because we brought a caravan.\n\nSo I don't know. Maybe it's about $2.30. Yeah. Yeah. So the car's in the caravan.\n\nSo both our cars and the caravan as a $3.56 or something. Yeah. Yeah. Roughly. Yep.\n\nNo. No. No. No. No.\n\nNo. Sorry. 356 a fortnight. Yeah. No.\n\nThey're it's only, like, 50. Yeah. Or 40. It might even be 40. Yeah.\n\nThe Caravan's 40,000, and the cars are probably 20 h. No. No. No. No.\n\nNo. No. We don't. No. It's bad.\n\nAlright. My mom keeps going through with me. You need to do that. Yeah. Yep.\n\nYeah. Yeah. Must have done it. Yeah. Yeah.\n\nI think instead we brought the caravan. Yeah. Oh, I'd love to, but I don't know if we ever will. But yeah. Yeah.\n\nYeah. Yes. Yes. I don't know, actually. I've never really thought about it.\n\nI don't even know what the age is. Yep. Yeah. So so you could retire at 60 if you wanted to, but, yeah, most people would go to about 60. Yeah.\n\nI don't know. Maybe. Most people would probably go to about 65, wouldn't they, or 60? Is that what you said? Yeah.\n\nI have no idea. No. I have no idea. Yeah. Yeah.\n\nIdeally. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nNo. I don't think so. I think yeah. Yep. Oh, I've never really worried about any of that.\n\nYeah. I don't know. Ideally, like, it would be good, but I don't know. I just don't yeah. I've never really looked into, like, that kind of life insurance and stuff like that.\n\nYeah. Yeah. Yep. Yeah. Okay.\n\nYeah. So I just I don't we didn't even get that anymore, do we? Like, a I could probably find a payslip, but I don't have one, like, writing, like, on me. Oh, yep. I'm not sure.\n\nI just feel like it's an added, like, number insurance. You know what I mean? Like, you pay all these different insurances, and it's just, like, I don't know. You're, like, turning it down. I know it's, like, silly example, but, like, when we first got one of our dogs, we don't have any longer.\n\nThey're like, oh, do you want pet insurance? I'm like, no. No. No. I don't need that.\n\nAnd then that night, it broke its leg, and I'm like, it's too late to get pet insurance. And they're like, yep. Oh, no. Yeah. Yeah.\n\nSo what's the other one that I get already? That's the if, like, if I pass away. Yep. Yeah. And that's the one I've already got.\n\nYeah. Yeah. No. I'll probably pass on the other one for now. I can always change that at a later date anyway, but have us thought about think about a bit more.\n\nYeah. Yeah. Oh, okay. Yep. Yeah.\n\nI might leave it for now. Oh, yeah. That'd be great. Yep. Yep.\n\nYeah. Yep. Alright. Yep. Yeah.\n\nAlright. Yeah. I need to look into both our workers works as well. Like, they might even offer them. Some sometimes workplaces offer them.\n\nYeah. Mhmm. On my phone, I do. Yep. Let me just have a look.\n\nAnd I think it's come free yet. What comes free from a Just on my email. Well, we have a Yeah. That's right. I don't have anything come through yet, though.\n\nI got all my other ones from you. It shouldn't shouldn't have went to that, but I'll have a look. No. It's sent in. Yeah.\n\nMaybe. I'm, like, resetting my emails, but nothing's coming through. Oh, yeah. It just come through. I'll probably get two now.\n\nYou want Yeah. I just have to it says signed up, so go into that one. Yep. Yeah. I can see it.\n\nIt's really small. No. No. No. It's just on my phone.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. Oh, okay. Yes. Yep. Yes.\n\nYep. Yes. Yep. Yes. Yes.\n\nYes. Yeah. Yeah. Oh, I don't really know. Like, what do you are you allowed to recommend what to do?\n\nYes. Alright. Yep. Yep. Yes.\n\nYep. Okay. Yeah. Yep. Yep.\n\nYes. Oh, just the house. I haven't done anything else. Yeah. So that would be longer, wouldn't it?\n\nBecause we don't access it till yeah. Yeah. Yeah. Yep. Moderate or high?\n\nI don't know. Maybe moderate? Yeah. I have no IDs, and that's what we Yeah. So if we were in if we were in something that was falling, would we just stay there and keep it falling, or would we move it?\n\nIs that what you mean? No. I don't think I'd wanna invest more because then wouldn't you lose more? Or Yes. Yeah.\n\nOh, I said I really understand shares. I know that they go up and down all the time. I don't no. I don't think I've I think I've wait, maybe. Yeah.\n\nOver what period? Hopefully, eight. When I look like, does that mean, like, when I look at it and I can see it going up and down? I kinda just think, oh, did these things happen kind of thing? Like, yeah, because then eventually it does start.\n\nYou can see it growing again. So Possibly optimistic with future investments. No. Not really. Oh, I suppose we borrowed money for the caravan, didn't we?\n\nOh, that's an investment. No. No. Yep. Yeah.\n\nI think stay like that it's yeah. Yeah. Yeah. Then you'd be a bit more cautious. Yeah.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nYeah. Keep it with what it is. Yeah. Yep. I was gonna start to I've got the thing from work to start contributing with my own the tax free one, like, the one that it's like we don't do oh, I forgot what it's called.\n\nYeah. That's it. That's what it's called. Yeah. So it's sad.\n\nYeah. I was gonna do that. No. I haven't started it yet. I've just thought about it.\n\nI was just I was just thinking around, like, maybe $50 a fortnight to start with and then just see. I just yeah. I just thought to do it maybe. And I think the tax agent said it's a good way of doing it as well. No.\n\nNo. No. Do you think it should be more? Yeah. Yeah.\n\nYeah. Alright. From you, like, right now. Yeah. Oh, yeah.\n\nIf you want to. I don't know. Yeah. I was just, yeah, I was just thinking about it because, you know, how some people do, like, the where they put money aside and then at the end of, like, a Christmas, they can I was asking about that, and they're like, oh, no? We don't do that, but you can be the one that you go to salary sacrifice that goes into and then it reduces your tax tax time or something?\n\nOr I'm not quite know how it works. Oh, yeah. Okay. Yeah. Yep.\n\nYeah. Alright. No. No. It is.\n\nNo. That's okay. Yep. And I'll just sign this document. Yep.\n\nYes. Yeah. Okay. Yep. Alright.\n\nNo worries. No. That's okay. Thank you. Yep.\n\nYou too. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.010174399241805077},{"text":"Yes.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.08911474794149399},{"text":"Good.","start":9.44,"end":9.76,"sentiment":"positive","sentiment_score":0.5476410984992981},{"text":"Thanks.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.6360183954238892},{"text":"Yeah.","start":18.615,"end":18.855,"sentiment":"neutral","sentiment_score":0.08714178204536438}],"sentiment":"neutral","sentiment_score":0.27401808463037014,"num_words":5,"start":0.88,"end":18.855},{"sentences":[{"text":"That's fine.","start":18.855,"end":19.675,"sentiment":"neutral","sentiment_score":0.13571376353502274},{"text":"Yeah.","start":26.0,"end":26.24,"sentiment":"neutral","sentiment_score":0.02403616718947887},{"text":"Michelle Doyle, six and nine seventy eight, sixty one Woodell Street, Shepparton, 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currently?","start":195.78,"end":205.48,"sentiment":"neutral","sentiment_score":-0.004920322190931377},{"text":"Yeah.","start":214.625,"end":214.865,"sentiment":"neutral","sentiment_score":0.015779588371515274}],"sentiment":"neutral","sentiment_score":-0.003989266596959326,"num_words":29,"start":188.025,"end":214.865},{"sentences":[{"text":"And I probably keep them separate.","start":214.865,"end":216.38501,"sentiment":"neutral","sentiment_score":-0.00792385016878446},{"text":"So yeah.","start":216.38501,"end":216.785,"sentiment":"neutral","sentiment_score":0.02803780511021614},{"text":"And I'm probably maybe 600 a week.","start":216.785,"end":219.205,"sentiment":"neutral","sentiment_score":0.0034725687333515714},{"text":"I don't know.","start":219.905,"end":220.465,"sentiment":"neutral","sentiment_score":-0.09140679488579433},{"text":"It's hard to 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I just I don't we didn't even get that anymore, do we?","start":760.63995,"end":764.01996,"sentiment":"neutral","sentiment_score":-0.17227827700284812},{"text":"Like, a I could probably find a payslip, but I don't have one, like, writing, like, on me.","start":766.915,"end":774.615,"sentiment":"neutral","sentiment_score":-0.12048910258130895},{"text":"Oh, yep.","start":778.355,"end":778.8,"sentiment":"neutral","sentiment_score":0.3068939074873924},{"text":"I'm not sure.","start":790.16,"end":790.95996,"sentiment":"neutral","sentiment_score":-0.1693948656320572}],"sentiment":"neutral","sentiment_score":-0.11743570597389259,"num_words":37,"start":757.83997,"end":790.95996},{"sentences":[{"text":"I just feel like it's an added, like, number insurance.","start":790.95996,"end":793.765,"sentiment":"neutral","sentiment_score":-0.2530254304409027},{"text":"You know what I mean?","start":794.385,"end":794.945,"sentiment":"neutral","sentiment_score":-0.14834392815828323},{"text":"Like, you pay 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we?","start":2086.57,"end":2089.69,"sentiment":"neutral","sentiment_score":-0.017985274507240814}],"sentiment":"neutral","sentiment_score":0.12918471072155696,"num_words":26,"start":2042.7251,"end":2089.69},{"sentences":[{"text":"Oh, that's an investment.","start":2089.69,"end":2090.6848,"sentiment":"neutral","sentiment_score":-0.00974817096721381},{"text":"No.","start":2098.9048,"end":2099.4048,"sentiment":"neutral","sentiment_score":-0.06215488910675049},{"text":"No.","start":2099.545,"end":2100.045,"sentiment":"neutral","sentiment_score":-0.057515837252140045},{"text":"Yep.","start":2113.57,"end":2114.07,"sentiment":"neutral","sentiment_score":0.039054132997989655},{"text":"Yeah.","start":2183.7852,"end":2184.185,"sentiment":"neutral","sentiment_score":0.001976942643523216}],"sentiment":"neutral","sentiment_score":-0.014704041823279113,"num_words":8,"start":2089.69,"end":2184.185},{"sentences":[{"text":"I think stay like that it's yeah.","start":2184.185,"end":2187.485,"sentiment":"neutral","sentiment_score":0.04417632200888225},{"text":"Yeah.","start":2194.29,"end":2194.61,"sentiment":"neutral","sentiment_score":0.02157534472644329},{"text":"Yeah.","start":2194.61,"end":2195.01,"sentiment":"neutral","sentiment_score":0.00980851985514164},{"text":"Then you'd be a bit more cautious.","start":2195.01,"end":2196.47,"sentiment":"neutral","sentiment_score":-0.08124588829066072},{"text":"Yeah.","start":2198.05,"end":2198.55,"sentiment":"neutral","sentiment_score":-0.0206516832113266}],"sentiment":"neutral","sentiment_score":-0.014632634270717114,"num_words":17,"start":2184.185,"end":2198.55},{"sentences":[{"text":"Yep.","start":2203.475,"end":2203.975,"sentiment":"neutral","sentiment_score":0.018816854804754257},{"text":"Yep.","start":2215.5552,"end":2216.0552,"sentiment":"neutral","sentiment_score":0.1847001314163208},{"text":"Yeah.","start":2224.25,"end":2224.75,"sentiment":"neutral","sentiment_score":0.06655239313840866},{"text":"Yep.","start":2225.6099,"end":2226.1099,"sentiment":"neutral","sentiment_score":0.05886485427618027},{"text":"Yeah.","start":2226.17,"end":2226.49,"sentiment":"neutral","sentiment_score":0.10713453590869904}],"sentiment":"neutral","sentiment_score":0.08721375390887261,"num_words":5,"start":2203.475,"end":2226.49},{"sentences":[{"text":"Yeah.","start":2226.49,"end":2226.99,"sentiment":"neutral","sentiment_score":0.1264554262161255},{"text":"Keep it with what it is.","start":2227.05,"end":2228.25,"sentiment":"neutral","sentiment_score":0.21155817558368048},{"text":"Yeah.","start":2228.25,"end":2228.75,"sentiment":"positive","sentiment_score":0.5497738122940063},{"text":"Yep.","start":2241.855,"end":2242.355,"sentiment":"neutral","sentiment_score":0.09386177361011504},{"text":"I was gonna start to I've got the thing from work to start contributing with my own the tax free one, like, the one that it's like we don't do oh, I forgot what it's called.","start":2248.64,"end":2275.76,"sentiment":"neutral","sentiment_score":0.007332974579185247}],"sentiment":"neutral","sentiment_score":0.05118727001051108,"num_words":45,"start":2226.49,"end":2275.76},{"sentences":[{"text":"Yeah.","start":2275.76,"end":2276.0798,"sentiment":"neutral","sentiment_score":-0.02538652904331684},{"text":"That's it.","start":2276.0798,"end":2276.48,"sentiment":"neutral","sentiment_score":-0.03691614978015423},{"text":"That's what it's called.","start":2276.48,"end":2277.5398,"sentiment":"neutral","sentiment_score":-0.03156532160937786},{"text":"Yeah.","start":2277.92,"end":2278.3198,"sentiment":"neutral","sentiment_score":-0.021575434133410457},{"text":"So it's sad.","start":2278.3198,"end":2279.2998,"sentiment":"neutral","sentiment_score":-0.23873968422412872}],"sentiment":"neutral","sentiment_score":-0.08757041834972122,"num_words":11,"start":2275.76,"end":2279.2998},{"sentences":[{"text":"Yeah.","start":2279.3599,"end":2279.8599,"sentiment":"neutral","sentiment_score":-0.1808496117591858},{"text":"I was gonna do that.","start":2279.92,"end":2281.7,"sentiment":"neutral","sentiment_score":-0.09234871119260787},{"text":"No.","start":2286.825,"end":2287.065,"sentiment":"neutral","sentiment_score":-0.11279416084289552},{"text":"I haven't started it yet.","start":2287.065,"end":2288.505,"sentiment":"neutral","sentiment_score":-0.10233673304319382},{"text":"I've just thought about it.","start":2288.505,"end":2289.965,"sentiment":"neutral","sentiment_score":-0.08094025701284409}],"sentiment":"neutral","sentiment_score":-0.09833954581443001,"num_words":17,"start":2279.3599,"end":2289.965},{"sentences":[{"text":"I was just I was just thinking around, like, maybe $50 a fortnight to start with and then just see.","start":2302.1702,"end":2310.35,"sentiment":"neutral","sentiment_score":0.07661815881729125},{"text":"I just yeah.","start":2314.585,"end":2316.0251,"sentiment":"neutral","sentiment_score":0.1412020375331243},{"text":"I just thought to do it maybe.","start":2316.0251,"end":2318.0452,"sentiment":"neutral","sentiment_score":0.08356777472155434},{"text":"And I think the tax agent said it's a good way of doing it as well.","start":2318.5051,"end":2323.245,"sentiment":"neutral","sentiment_score":0.21397165628150105},{"text":"No.","start":2328.05,"end":2328.55,"sentiment":"neutral","sentiment_score":-0.03025938756763935}],"sentiment":"neutral","sentiment_score":0.12626023031771183,"num_words":47,"start":2302.1702,"end":2328.55},{"sentences":[{"text":"No.","start":2329.25,"end":2329.75,"sentiment":"neutral","sentiment_score":-0.05312616378068924},{"text":"No.","start":2330.05,"end":2330.55,"sentiment":"neutral","sentiment_score":-0.01743283122777939},{"text":"Do you think it should be more?","start":2331.73,"end":2333.27,"sentiment":"neutral","sentiment_score":-0.0015637616493872233},{"text":"Yeah.","start":2349.3252,"end":2349.8052,"sentiment":"neutral","sentiment_score":0.01594575308263302},{"text":"Yeah.","start":2349.8052,"end":2350.3052,"sentiment":"neutral","sentiment_score":0.02418060228228569}],"sentiment":"neutral","sentiment_score":-0.0037617246535691347,"num_words":11,"start":2329.25,"end":2350.3052},{"sentences":[{"text":"Yeah.","start":2371.915,"end":2372.415,"sentiment":"neutral","sentiment_score":0.015404032543301582},{"text":"Alright.","start":2384.7,"end":2385.2,"sentiment":"neutral","sentiment_score":0.06995637714862823},{"text":"From you, like, right now.","start":2385.34,"end":2386.8,"sentiment":"neutral","sentiment_score":0.041084548085927965},{"text":"Yeah.","start":2388.7,"end":2389.2,"sentiment":"neutral","sentiment_score":-0.05069556459784508},{"text":"Oh, yeah.","start":2389.34,"end":2391.36,"sentiment":"neutral","sentiment_score":-0.02704906277358532}],"sentiment":"neutral","sentiment_score":0.01859894599765539,"num_words":10,"start":2371.915,"end":2391.36},{"sentences":[{"text":"If you want to.","start":2395.815,"end":2396.935,"sentiment":"neutral","sentiment_score":-0.015212822705507278},{"text":"I don't know.","start":2396.935,"end":2401.275,"sentiment":"neutral","sentiment_score":-0.10992945233980815},{"text":"Yeah.","start":2402.535,"end":2402.775,"sentiment":"neutral","sentiment_score":0.0006524361670017242},{"text":"I was just, yeah, I was just thinking about it because, you know, how some people do, like, the where they put money aside and then at the end of, like, a Christmas, they can I was asking about that, and they're like, oh, no?","start":2402.775,"end":2416.02,"sentiment":"neutral","sentiment_score":-0.006909313342637486},{"text":"We don't do that, but you can be the one that you go to salary sacrifice that goes into and then it reduces your tax tax time or something?","start":2416.02,"end":2425.4448,"sentiment":"neutral","sentiment_score":-0.004449302459071423}],"sentiment":"neutral","sentiment_score":-0.010121171748856218,"num_words":82,"start":2395.815,"end":2425.4448},{"sentences":[{"text":"Or I'm not quite know how it works.","start":2425.4448,"end":2428.785,"sentiment":"neutral","sentiment_score":-0.04251506118453108},{"text":"Oh, yeah.","start":2443.1199,"end":2443.5999,"sentiment":"neutral","sentiment_score":0.12040635943412781},{"text":"Okay.","start":2443.5999,"end":2444.0999,"sentiment":"neutral","sentiment_score":0.10601018369197844},{"text":"Yeah.","start":2461.5452,"end":2462.0452,"sentiment":"neutral","sentiment_score":0.09304524958133698},{"text":"Yep.","start":2472.1602,"end":2472.32,"sentiment":"neutral","sentiment_score":0.06849059462547302}],"sentiment":"neutral","sentiment_score":0.012941404406984266,"num_words":13,"start":2425.4448,"end":2472.32},{"sentences":[{"text":"Yeah.","start":2472.32,"end":2472.6401,"sentiment":"neutral","sentiment_score":0.07261499762535095},{"text":"Alright.","start":2472.6401,"end":2473.1401,"sentiment":"neutral","sentiment_score":0.09233003854751588},{"text":"No.","start":2479.115,"end":2479.595,"sentiment":"neutral","sentiment_score":-0.15486955642700195},{"text":"No.","start":2479.595,"end":2480.095,"sentiment":"neutral","sentiment_score":-0.12839080393314362},{"text":"It is.","start":2483.515,"end":2484.255,"sentiment":"neutral","sentiment_score":-0.07771188020706177}],"sentiment":"neutral","sentiment_score":-0.04562318076690038,"num_words":6,"start":2472.32,"end":2484.255},{"sentences":[{"text":"No.","start":2486.155,"end":2486.395,"sentiment":"neutral","sentiment_score":-0.296791136264801},{"text":"That's okay.","start":2486.395,"end":2487.2148,"sentiment":"neutral","sentiment_score":-0.05421591363847256},{"text":"Yep.","start":2492.3699,"end":2492.6099,"sentiment":"neutral","sentiment_score":0.06949110329151154},{"text":"And I'll just sign this document.","start":2492.6099,"end":2494.3098,"sentiment":"neutral","sentiment_score":0.03989744372665882},{"text":"Yep.","start":2495.89,"end":2496.39,"sentiment":"neutral","sentiment_score":0.18107746541500092}],"sentiment":"neutral","sentiment_score":0.007702751593156295,"num_words":11,"start":2486.155,"end":2496.39},{"sentences":[{"text":"Yes.","start":2498.5298,"end":2499.0298,"sentiment":"neutral","sentiment_score":0.05894150957465172},{"text":"Yeah.","start":2510.2249,"end":2510.545,"sentiment":"neutral","sentiment_score":0.04903234541416168},{"text":"Okay.","start":2510.545,"end":2511.045,"sentiment":"neutral","sentiment_score":0.04396292567253113},{"text":"Yep.","start":2514.625,"end":2514.865,"sentiment":"neutral","sentiment_score":0.13412126898765564},{"text":"Alright.","start":2514.865,"end":2515.365,"sentiment":"neutral","sentiment_score":0.17834065854549408}],"sentiment":"neutral","sentiment_score":0.09287974163889885,"num_words":5,"start":2498.5298,"end":2515.365},{"sentences":[{"text":"No worries.","start":2515.425,"end":2516.085,"sentiment":"neutral","sentiment_score":0.26002050936222076},{"text":"No.","start":2520.51,"end":2520.75,"sentiment":"neutral","sentiment_score":-0.042723242193460464},{"text":"That's okay.","start":2520.75,"end":2521.3901,"sentiment":"neutral","sentiment_score":0.20735906064510345},{"text":"Thank you.","start":2521.3901,"end":2522.1301,"sentiment":"positive","sentiment_score":0.5553202033042908},{"text":"Yep.","start":2523.55,"end":2523.87,"sentiment":"positive","sentiment_score":0.445464551448822}],"sentiment":"neutral","sentiment_score":0.30601760698482394,"num_words":8,"start":2515.425,"end":2523.87},{"sentences":[{"text":"You too.","start":2523.87,"end":2524.43,"sentiment":"positive","sentiment_score":0.3859817832708359},{"text":"Thank you.","start":2524.43,"end":2525.25,"sentiment":"positive","sentiment_score":0.6604257225990295},{"text":"You too.","start":2527.47,"end":2528.11,"sentiment":"positive","sentiment_score":0.4360221326351166},{"text":"Bye.","start":2528.11,"end":2528.61,"sentiment":"neutral","sentiment_score":0.2515779435634613}],"sentiment":"positive","sentiment_score":0.4594910315104893,"num_words":7,"start":2523.87,"end":2528.61}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello. Is this Michelle?\n\nChannel 1: Yes.\n\nChannel 0: Michelle, it's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Michelle Doyle, six and nine seventy eight, sixty one Woodell Street, Shepparton, Victoria.\n\nChannel 0: Thank you for confirming that. I appreciate that. I'm phoning this afternoon to complete your annual review that we have scheduled in. Do you have time to complete that? Oh, fantastic.\n\nHow's your day been so far?\n\nChannel 1: Yep. Yeah. Not too bad.\n\nChannel 0: Oh, that's good. That's good. So it since we last spoke, has there been any significant changes to your personal financial situation that we need to flag to talk about today?\n\nChannel 1: No. No. Nothing's\n\nChannel 0: No.\n\nChannel 1: changed.\n\nChannel 0: Okay. Alright. What I might do, if it's okay with you, is I might just run through the financial and personal information that we do have on file just to make sure it's correct.\n\nChannel 1: Yep.\n\nChannel 0: So I will start with your marital status. Still married to Craig?\n\nChannel 1: Yep.\n\nChannel 0: Yes. And you have two children. Is that right?\n\nChannel 1: Oh, we've got three, but the oldest\n\nChannel 0: Three.\n\nChannel 1: is 20\n\nChannel 0: Yep.\n\nChannel 1: six.\n\nChannel 0: That's okay. And I have your occupation here is that you are a family engagement officer with the Department of Education Victoria. Is that still right?\n\nChannel 1: Yep.\n\nChannel 0: And how long have\n\nChannel 1: I think around 2009,\n\nChannel 0: you\n\nChannel 1: maybe.\n\nChannel 0: been with them for? Wow. Wonderful. And do you enjoy it?\n\nChannel 1: Yeah. Yeah. I'm in well-being now. So\n\nChannel 0: Oh, good. And\n\nChannel 1: same\n\nChannel 0: is\n\nChannel 1: school, just different area.\n\nChannel 0: that different area. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Is that still full time?\n\nChannel 1: Yep.\n\nChannel 0: Wonderful. Now I have your income down as 58,000. Would\n\nChannel 1: 58.\n\nChannel 0: that be correct? Yes.\n\nChannel 1: No. I think it's a lot higher than that. I think it's about $80.86 maybe.\n\nChannel 0: Okay. And does that include super or super on\n\nChannel 1: No. That probably\n\nChannel 0: top?\n\nChannel 1: includes super.\n\nChannel 0: Okay. And we have your expenditure at $450 per week. Would that be correct?\n\nChannel 1: And then, like, groceries and everything. What's that including like?\n\nChannel 0: Yeah. So your living expenses, groceries, anything\n\nChannel 1: It's probably higher than that now.\n\nChannel 0: You're not the only one that says that.\n\nChannel 1: I couldn't even pick how high what what did you say? A week?\n\nChannel 0: Yeah. $4.50. Would that be split between you and Craig? Or\n\nChannel 1: Yeah. Maybe.\n\nChannel 0: yeah.\n\nChannel 1: Is that\n\nChannel 0: So 4\n\nChannel 1: doesn't\n\nChannel 0: 50.\n\nChannel 1: does that include just, like, just grocery like, what's it in does it does it include the house or not currently?\n\nChannel 0: No. It I mean, you can get to me if you wanted to include the house. Like, oh, I can keep the house mortgage repayment separate. It's entirely up to you.\n\nChannel 1: Yeah. And I probably keep them separate. So yeah. And I'm\n\nChannel 0: Yep.\n\nChannel 1: probably maybe 600 a week. I don't know. It's hard to tell. Different\n\nChannel 0: Yeah.\n\nChannel 1: every\n\nChannel 0: It\n\nChannel 1: week,\n\nChannel 0: is,\n\nChannel 1: isn't\n\nChannel 0: isn't\n\nChannel 1: it?\n\nChannel 0: it? It is. And would that be your like, you and Craig put 600 in each or\n\nChannel 1: Yeah. No.\n\nChannel 0: combined?\n\nChannel 1: I probably just yeah. Probably combined.\n\nChannel 0: Yep. Okay. What what is the mortgage payment?\n\nChannel 1: So once so the mortgage and the cars are all together\n\nChannel 0: Okay. Yes.\n\nChannel 1: now. Yep. So they're kinda together, but they're not together. But they get taken out at the same time. $8.56 is one, and then I think the other one's $3.58 or something like that.\n\nChannel 0: Okay. So I have the mortgage sitting at $2.20. Does that sound about right?\n\nChannel 1: Yeah. Well, no. Because it's\n\nChannel 0: No.\n\nChannel 1: it's oh, actual\n\nChannel 0: They've been\n\nChannel 1: the actual mortgage.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: the ballot.\n\nChannel 1: Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: The outstanding.\n\nChannel 1: No. I was thinking\n\nChannel 0: Sorry.\n\nChannel 1: about $2.20 a week. No. I think it's going up a little bit because we brought a caravan. So\n\nChannel 0: Yep.\n\nChannel 1: I don't know. Maybe it's about $2.30.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And the cars, you said, was a separate amount. Is that right?\n\nChannel 1: Yeah. So the car's in the caravan. So both our cars and the caravan as a $3.56 or something. Yeah.\n\nChannel 0: Yep. 350\n\nChannel 1: Yeah.\n\nChannel 0: 6\n\nChannel 1: Roughly. Yep.\n\nChannel 0: thousand. Yep. So\n\nChannel 1: No.\n\nChannel 0: that's\n\nChannel 1: No. No. No. No.\n\nChannel 0: 2\n\nChannel 1: No. Sorry.\n\nChannel 0: no.\n\nChannel 1: 356 a fortnight.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah. No. They're\n\nChannel 0: Do you know\n\nChannel 1: it's only, like, 50.\n\nChannel 0: okay. Beautiful.\n\nChannel 1: Yeah. Or 40. It might even be 40. Yeah.\n\nChannel 0: 40. And what would the caravan and the cars be valued at approximately?\n\nChannel 1: The Caravan's 40,000,\n\nChannel 0: Yep.\n\nChannel 1: and the cars\n\nChannel 0: Yep.\n\nChannel 1: are probably 20 h.\n\nChannel 0: Okay. Beautiful. Thank you for that. Any other assets or liabilities that you can think of?\n\nChannel 1: No.\n\nChannel 0: No? Okay. And have sorry to ask, but I do need to ask this question. Have you ever been declared bankrupt or have had a debt\n\nChannel 1: No.\n\nChannel 0: agreement in place? No? Okay. And do you have any significant health issues, injuries, or take any medication?\n\nChannel 1: No. No.\n\nChannel 0: Do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: And has you or Craig been able to establish any wills or powers of attorney\n\nChannel 1: No.\n\nChannel 0: yet?\n\nChannel 1: We don't.\n\nChannel 0: Okay.\n\nChannel 1: No. It's bad.\n\nChannel 0: No. That's okay. It's pretty common, to be honest with you.\n\nChannel 1: Alright. My mom keeps going through with me. You need to do that.\n\nChannel 0: Yep. Yeah. Yep. Well, I will also be one of those people that says you need to do that.\n\nChannel 1: Yeah.\n\nChannel 0: With your goals and objectives, we have four on file from last time. I just wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure that they're relevant or if there's any new ones.\n\nChannel 1: Yeah.\n\nChannel 0: So I previously said you wanted to sell your car and buy a new one, which it sounds like you have done.\n\nChannel 1: Yeah. Must have done it. Yeah.\n\nChannel 0: Yeah. You'd also like to get some house renovations done?\n\nChannel 1: Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: think instead we brought the caravan.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Are you still wanting to do the house renovations? Or\n\nChannel 1: Oh, I'd love to, but I don't know if we ever will. But\n\nChannel 0: okay. And you would like to be debt free and own your own house\n\nChannel 1: yeah.\n\nChannel 0: and have enough in super to live off comfortably while you were able to do some traveling around Australia and possibly Croatia in retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Is that\n\nChannel 1: Yeah.\n\nChannel 0: still sound about\n\nChannel 1: Yes.\n\nChannel 0: right?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Just to build on that a little bit, what age were you thinking of retirement?\n\nChannel 1: I don't know, actually. I've never really thought about it.\n\nChannel 0: Yeah.\n\nChannel 1: I don't even know what the age is.\n\nChannel 0: Well, access to superannuation for yourself is currently the age of 60\n\nChannel 1: Yep.\n\nChannel 0: based on today's legislation. And then age pension, if you were needing to supplement any form of your income becomes available based on, again, today's legislation, 67 years of age.\n\nChannel 1: Yeah. So so you could\n\nChannel 0: Yes.\n\nChannel 1: retire at 60 if you wanted to, but, yeah, most people would go to about 60. Yeah. I don't know. Maybe. Most people would probably go to about 65, wouldn't they, or 60?\n\nIs that what you said?\n\nChannel 0: Yeah. And we can work our way backwards from looking at your income need.\n\nChannel 1: Yeah.\n\nChannel 0: So what in retirement, what do you think your income need would be?\n\nChannel 1: I have no idea.\n\nChannel 0: No. Okay. So if you're debt free, wanting to do those, the traveling any ideas?\n\nChannel 1: No. I have no idea.\n\nChannel 0: No. That's okay. That's fine. We can just park that for later.\n\nChannel 1: Yeah.\n\nChannel 0: And you wanna retire with the biggest balance possible. You like the\n\nChannel 1: Yeah.\n\nChannel 0: idea\n\nChannel 1: Ideally.\n\nChannel 0: of, yeah, active monitoring\n\nChannel 1: Yeah.\n\nChannel 0: and knowing that someone is protecting you from, you know, market crashes. So actively helping\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: with that. Still still current?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And you also want to know if well, you would want to have comfort in the facts fact that if something was to happen to you, you'd want the kids and Craig to be debt free with the least amount of stress as possible.\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: Yep.\n\nChannel 0: that still\n\nChannel 1: Yeah.\n\nChannel 0: current?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Fantastic. Anything else that you can think of that might be relevant there?\n\nChannel 1: No. I don't think so. I think yeah.\n\nChannel 0: Yep. Okay. Alright. So with insurance, just covering up on that while we're here, I note that you have your sums insured for insurance are $8,810,461 for life and TPD insurance, which would certainly cover off the debt.\n\nChannel 1: Yep.\n\nChannel 0: Did you need to look at income protection, which would cover your wage if you're unable to work due to injury or illness?\n\nChannel 1: Oh, I've never really worried about any of that.\n\nChannel 0: No.\n\nChannel 1: Yeah. I don't know. Ideally, like, it would be good, but I don't know. I just don't yeah. I've never really looked into, like, that kind of life insurance and stuff like that.\n\nChannel 0: Yep. I can definitely\n\nChannel 1: Yeah.\n\nChannel 0: have a look at it for you if you like. Basically, how income protection works is you can cover up to 70% of your taxable income if you're unable to work due to injury or illness.\n\nChannel 1: Yeah.\n\nChannel 0: And it covers you twenty four hours a day, seven days a week. So it doesn't matter if you're it's not the same as work cover, so it will cover you if you're injured outside of work hours. Additionally, there are there are two options with it. You've got your waiting period, which I kind of explain it to clients as your excess, similar to your car. It's the number of days you need to wait before you can be paid\n\nChannel 1: Yep.\n\nChannel 0: or claim on it. And then your benefit period dictates dictates the amount of time that you are eligible to be paid depending on how bad your injury or illness is. So they vary from two years to five years to age 65, which takes you through to retirement. And\n\nChannel 1: Yeah.\n\nChannel 0: your benefit your waiting period varies from thirty days and anywhere upwards to about six months, really. And it is a good policy to have. It can be funded through your superannuation fund the same way your life and TPD presently\n\nChannel 1: Okay.\n\nChannel 0: is. So I can have a look at that for you if you like. I'd probably just need you to confirm your in your taxable income with me, so a payslip of some description so I could confirm what levels of cover that you would be eligible to apply for.\n\nChannel 1: Yeah. So I just I don't we didn't even get that anymore, do we? Like, a I could probably find a payslip, but I don't have one, like, writing, like, on me.\n\nChannel 0: No. No. That's okay. That's alright. You can send it through at a at a later time.\n\nThat's absolutely\n\nChannel 1: Oh,\n\nChannel 0: fine.\n\nChannel 1: yep.\n\nChannel 0: You don't need to send it now. But did you I can have a look at that for you if you like me to. Do you think is that something you'd like?\n\nChannel 1: I'm not sure. I just feel like it's an added, like, number insurance. You know what I mean? Like, you pay all these different insurances, and it's just, like, I don't know. You're, like, turning it\n\nChannel 0: Yeah.\n\nChannel 1: down. I know\n\nChannel 0: Yeah.\n\nChannel 1: it's,\n\nChannel 0: It's\n\nChannel 1: like, silly example,\n\nChannel 0: yeah.\n\nChannel 1: but, like, when we first got one of our dogs, we don't have any longer. They're like, oh, do you want pet insurance? I'm like, no. No. No.\n\nI don't need that. And then that night, it broke its leg, and I'm like, it's too late\n\nChannel 0: Oh,\n\nChannel 1: to get pet\n\nChannel 0: gosh.\n\nChannel 1: insurance.\n\nChannel 0: Well,\n\nChannel 1: And\n\nChannel 0: yeah,\n\nChannel 1: they're like,\n\nChannel 0: you could\n\nChannel 1: yep.\n\nChannel 0: probab\n\nChannel 1: Oh, no.\n\nChannel 0: yeah. I mean, it it is probably one of the most claimed on policies, to be honest with you, just because you are protecting your livelihood.\n\nChannel 1: Yeah.\n\nChannel 0: It it is in it's something that I just need to make you aware of. Whether you wish to look at it further is entirely your choice. There is absolutely no pressure. I\n\nChannel 1: Yeah.\n\nChannel 0: just need to my job is to let you know how you can protect yourself.\n\nChannel 1: So what's the other one that I get already? That's the if,\n\nChannel 0: You're\n\nChannel 1: like,\n\nChannel 0: covered\n\nChannel 1: if\n\nChannel 0: for\n\nChannel 1: I pass away.\n\nChannel 0: Yep. Yep. So life insurance is is if you pass away, and total\n\nChannel 1: Yep.\n\nChannel 0: and permanent disablement is basically if you are unable to ever return to the workforce based on your qualifications and experience. So the way I'd like to think of it is is if you're in an office that you were bedridden, basically.\n\nChannel 1: Yeah. And that's the one I've already\n\nChannel 0: Because,\n\nChannel 1: got.\n\nChannel 0: yeah, you already have\n\nChannel 1: Yeah.\n\nChannel 0: that. Yep.\n\nChannel 1: Yeah. No. I'll probably pass on the other one for now. I can\n\nChannel 0: Yep.\n\nChannel 1: always change\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: at a later date anyway, but\n\nChannel 0: Of course.\n\nChannel 1: have\n\nChannel 0: And\n\nChannel 1: us\n\nChannel 0: we\n\nChannel 1: thought\n\nChannel 0: will\n\nChannel 1: about think about a bit more.\n\nChannel 0: yeah. Of course. And we'll always talk to you about it in your reviews anyway and\n\nChannel 1: Yeah.\n\nChannel 0: touch\n\nChannel 1: Yeah.\n\nChannel 0: base, so that's absolutely fine. There's another level of cover as well that I do have to just inform you of. It's trauma insurance. It's a lump sum cover payable when you're diagnosed with a insurable event. Typically cancer, heart attack, stroke.\n\nAnd that one's paid out of your personal cash flow if you want to explore that\n\nChannel 1: Oh,\n\nChannel 0: further.\n\nChannel 1: okay. Yep.\n\nChannel 0: So did you want to look at that or leave that again for the time being? Entirely up to you.\n\nChannel 1: Yeah. I might leave it for now.\n\nChannel 0: Yep. That's absolutely okay. Alright. So the estate planning, the wills and power of attorney, I'm going to be annoying and be one of those people that says, please do this. What I can do, if you would like me to, I can send you a brochure of someone that we work with,\n\nChannel 1: Oh, yeah. That'd be great. Yep.\n\nChannel 0: and they do do them relative. They're they're quite price friendly compared to\n\nChannel 1: Yep.\n\nChannel 0: some of the the the ones I've seen in my time.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So I'll send that through to you for you\n\nChannel 1: Alright.\n\nChannel 0: to have a look at. And if you decide to go down that path, you can reach out to them and arrange a time to meet with them, and they can do it all virtually as well.\n\nChannel 1: Yep. Yeah. Alright. Yeah. I need to look into both our workers works as well.\n\nLike, they might even offer them. Some sometimes workplaces offer them. Yeah.\n\nChannel 0: Looking at. I have sent you a email. Do you have\n\nChannel 1: Mhmm.\n\nChannel 0: access to your emails at the moment?\n\nChannel 1: On my phone, I do.\n\nChannel 0: Yeah. It's just a review pack. So it's some documents that I'd like to talk through with you. If you can't view them at the moment, that's okay. I'll talk to them, and you can have a look at them post our call if you like.\n\nChannel 1: Yep.\n\nChannel 0: Did you wanna bring them up or have a look post\n\nChannel 1: Let\n\nChannel 0: your\n\nChannel 1: me just have a look.\n\nChannel 0: call? Okay. It's just easier if I know so then I can guide you through the right way.\n\nChannel 1: And I think it's come free yet.\n\nChannel 0: Okay. It will come\n\nChannel 1: What\n\nChannel 0: through\n\nChannel 1: comes\n\nChannel 0: from\n\nChannel 1: free from\n\nChannel 0: Odusign\n\nChannel 1: a\n\nChannel 0: or Jenna Wheeler.\n\nChannel 1: Just on my email.\n\nChannel 0: Yep. The email we\n\nChannel 1: Well,\n\nChannel 0: have\n\nChannel 1: we\n\nChannel 0: on\n\nChannel 1: have\n\nChannel 0: file\n\nChannel 1: a\n\nChannel 0: is Michelle.Doyle@Education.Vic.gov.au.\n\nChannel 1: Yeah. That's right. I don't have anything come through yet, though.\n\nChannel 0: Check your junk mail, maybe. Is that\n\nChannel 1: I got all my other ones from you. It shouldn't shouldn't have went to that, but I'll have a look. No. It's sent in.\n\nChannel 0: Alright. I might just give it a sec because I can resend it if it doesn't pop up. I'll just hit resend and see.\n\nChannel 1: Yeah. Maybe. I'm, like, resetting my emails, but nothing's coming through. Oh, yeah. It just come through.\n\nChannel 0: Oh, thank\n\nChannel 1: I'll probably\n\nChannel 0: you.\n\nChannel 1: get\n\nChannel 0: Thank\n\nChannel 1: two\n\nChannel 0: you.\n\nChannel 1: now. You want\n\nChannel 0: Oh, that's okay.\n\nChannel 1: Yeah. I just have\n\nChannel 0: Okay. So let me know when you\n\nChannel 1: to\n\nChannel 0: got those documents\n\nChannel 1: it says signed up, so go into that one.\n\nChannel 0: open. Yes. But you're not signing anything at the moment.\n\nChannel 1: Yep. Yeah. I can see it.\n\nChannel 0: Okay.\n\nChannel 1: It's\n\nChannel 0: Beautiful.\n\nChannel 1: really small.\n\nChannel 0: Is it? Sorry.\n\nChannel 1: No. No. No. It's just on my phone.\n\nChannel 0: Oh, okay. Well, the first document you're looking at is just an overall summary of your super and insurance. Your net wealth balance is presently sitting at a 197,249\n\nChannel 1: Yep.\n\nChannel 0: with your CalLife insurance sitting at those figures that I mentioned before, 810,461 for life and TPD. So that's\n\nChannel 1: Yep.\n\nChannel 0: what that front document is. It's just a bit of an overview. The next document is your returns for the last twelve months, so the performance of the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So back towards earlier this year, the team got you out of an investment called Benelon Australian Equities Fund and replaced it with the Beta Australian two hundred shares fund. The reason being is that Banalong was systemically underperforming,\n\nChannel 1: Yep.\n\nChannel 0: and the decision was made by the investment committee to change them or replace them, I guess you'd say it.\n\nChannel 1: Yep.\n\nChannel 0: So the last twelve month performance, if you look at the bottom line on that page, you're still sitting at a negative 1.25% return. That's after fees and everything. But we have changed Benelon within that six month period. So what we've done is come back and said the next document is a six month performance to\n\nChannel 1: Yes.\n\nChannel 0: show you that the portfolio is actually recovering.\n\nChannel 1: Oh,\n\nChannel 0: So in the last\n\nChannel 1: okay.\n\nChannel 0: six months, it's the return is sitting at 9.47% after fees and costs. So it is it is bouncing back after we replaced that investment,\n\nChannel 1: Yes.\n\nChannel 0: but we're we're very transparent in the fact that that's why we provide the two reports. So your twelve month one, yes, it wasn't a great return, and that was due to the Benelong Australian Equity Fund.\n\nChannel 1: Yep.\n\nChannel 0: We actioned that from a, like you said, actively managed it, and it now the portfolio is starting to bounce back, which we're pleased with.\n\nChannel 1: Yes.\n\nChannel 0: The next document in the pack is a Vanguard index chart. What this shows you, and I like to use it with clients as a tool to talk about your tolerance to risk, is those top four on the right hand side, you've got US shares, Australian shares, international, and Australian listed property. They're your growth assets. And you can see on that chart, they're the ones that experience the most volatility due to them being growth assets, basically. And the bottom\n\nChannel 1: Yep.\n\nChannel 0: two is your restrained bonds and cash. So they're more your defensive income producing assets that do provide a little bit grow of growth over a very long period of time, but they've their job is to produce income. And when the market is dipping or having a volatile moment, they're there just to try and produce income to some of that volatility.\n\nChannel 1: Yes.\n\nChannel 0: So how you're invested at the moment from your risk profile is a high growth investor, and that is sits at a 90% allocation to those top four being your growth assets with a 10% to the bottom the bottom two areas being your defensive assets. Now the the time frame of a high growth risk profile is a minimum of six years. So\n\nChannel 1: Yep.\n\nChannel 0: what that tells us is is that to withstand that market volatility, you need to be have a time frame of a minimum of at least six years or sorry,\n\nChannel 1: Yes.\n\nChannel 0: eight years. Sorry. Wrong that's my my mistake there. Eight years. So given that you're twelve years from from preservation age, so being able to access\n\nChannel 1: Yes.\n\nChannel 0: it, that tells us that you are within that time frame. But, also, I need to confirm with you that, you know, in a high growth portfolio, you're looking at one in every five years of being a negative return just due\n\nChannel 1: Yes.\n\nChannel 0: to that higher allocation to growth assets and anywhere either side of plus or minus 14% for volatility. So, you know, one of those negative returns could look at potentially up to a negative 14% return just because you're in that growth asset. So if you look at those big events like the GFC and COVID, whether the market's absolutely in a nontechnical term tanks,\n\nChannel 1: Yeah.\n\nChannel 0: you you know, that in those events, that's where you could expect to see those type of negative returns.\n\nChannel 1: Yeah.\n\nChannel 0: So in a high growth portfolio, on average, we expect between eight to 10% return. So from the six month return that we've provide performance, sorry, that we've provided tracking perfectly towards that. My question to you is, taking all that into consideration, are you still happy investing in a high growth portfolio, or would you like to maybe decrease some of your assets to those growth assets?\n\nChannel 1: Oh, I don't really know. Like, what do you are you allowed to recommend what to do?\n\nChannel 0: I can. I can do that.\n\nChannel 1: Yes.\n\nChannel 0: I'll do that in a moment. I'll ask you a few questions, and then we'll go through that,\n\nChannel 1: Alright.\n\nChannel 0: and I can make a recommendation.\n\nChannel 1: Yep.\n\nChannel 0: The next document is your certificate of currency from TAL. So that's just showing you that your life and TPD insurance policies are in place and in force.\n\nChannel 1: Yep.\n\nChannel 0: The next document is our financial services guide. So it's a legal document that we provide with our provide to our clients. It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process.\n\nChannel 1: Yes.\n\nChannel 0: The next document there's two more documents. The next document is the adviser fee consent. So this is the renewal of the advice fee, which is funded through your superannuation fund. We so that is set at a percent fee of 1.1%. Then it would it's fixed at a flat dollar fee.\n\nSo rather than it be 1.1% fluctuating, they we calculate it based on your balance as when the review is done and equate that to 1.1%, and that's fixed for the next twelve months. So that would be $180 and sticks for the next twelve months. So that would be $180.81 per month deducted from your superannuation fund if you decided to continue\n\nChannel 1: Yep.\n\nChannel 0: receiving advice from us.\n\nChannel 1: Okay.\n\nChannel 0: So that document does need signing if you wish to proceed.\n\nChannel 1: Yeah.\n\nChannel 0: And then the next document is the authority for us to hold your tax file number. So we have that on file due to setting up your superannuation fund. The this form is just you acknowledging that we do hold that on file, and you're okay with that.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So those two documents out of the pack do require signing, but I'm going to jump over to what we call a risk profile questionnaire. I'm gonna ask you it's about seven questions. There's no right or wrong answer. And\n\nChannel 1: Yep.\n\nChannel 0: based on this, it will help me give you a it'll help me understand your tolerance to risk\n\nChannel 1: Yes.\n\nChannel 0: and and make a recommendation. So the first question is is what's the most aggressive investment you've ever made? The options are direct shares, managed funds, investment property, your own home, or a high interest bank account?\n\nChannel 1: Oh, just the house. I haven't done anything\n\nChannel 0: Your\n\nChannel 1: else.\n\nChannel 0: house?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. And once you're in once investments have been placed, so if we think about this in relation to your superannuation, how long would it be before you need to access the capital? Would it be longer than ten years, between seven to nine, and so on? Between four to six, two\n\nChannel 1: So\n\nChannel 0: to three,\n\nChannel 1: that would\n\nChannel 0: or\n\nChannel 1: be\n\nChannel 0: two\n\nChannel 1: longer,\n\nChannel 0: years.\n\nChannel 1: wouldn't it? Because we don't access\n\nChannel 0: Yes.\n\nChannel 1: it till yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So that would likely be ten years or more. Do you agree with that?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Okay. The next question is inflation means things are getting more expensive over time, making your money worth less. How much risk are you willing to keep to take to keep up with the rising prices? So that's basically, the options is a very high risk, a high risk, moderate risk to outpace inflation, a small amount to keep pace with inflation, or you're unwilling to take any risk despite inflation.\n\nChannel 1: Moderate or high?\n\nChannel 0: Need you to answer that.\n\nChannel 1: I don't know. Maybe moderate?\n\nChannel 0: Okay. Yep. So, again, referring to your superannuation, how would you feel if in six months after investing that your portfolio decreased by 20% due to the trends in the financial market? So that's those volatility moments in the market on that Vanguard sheet.\n\nChannel 1: Yeah.\n\nChannel 0: Would you invest more heavily? Would you invest modestly for growth? Would you hold and wait to see for improvement? Would you shift to defensive assets to try and minimize losses, or would you convert to cash?\n\nChannel 1: I have no IDs, and that's what we\n\nChannel 0: Yes. So, basically, the the question is, to put it differently,\n\nChannel 1: Yeah.\n\nChannel 0: is if the market fell, would you consider putting in more money to buy at a discount? Would you wait and see how the market recovers, or would you get really, really worried and move to defensive\n\nChannel 1: So\n\nChannel 0: assets?\n\nChannel 1: if\n\nChannel 0: So\n\nChannel 1: we were in\n\nChannel 0: yeah.\n\nChannel 1: if we were in something that was falling, would we just stay there and keep it falling, or would we move it? Is that\n\nChannel 0: Okay.\n\nChannel 1: what you mean?\n\nChannel 0: So the\n\nChannel 1: No.\n\nChannel 0: yeah. It could potentially be seen as that. So\n\nChannel 1: I\n\nChannel 0: yeah. I mean, would you wait and see? Would you want to invest more money?\n\nChannel 1: don't think I'd wanna invest more because then wouldn't you lose more? Or\n\nChannel 0: If you think about it so one of the things that one of the easiest ways to explain the theory behind that is if the market's down so say, for example, let's just use CBA shares.\n\nChannel 1: Yes.\n\nChannel 0: They're valued at, let's say, $200 today. If the market fell and they had a the CBA shares were impacted and they have well, they reduced by 20%. So they went down to a $160 a share. Knowing that\n\nChannel 1: Yeah.\n\nChannel 0: over time, markets recover, what would you do? Would you wait? Would you maybe buy some more, or would\n\nChannel 1: Oh,\n\nChannel 0: you just\n\nChannel 1: I said I really\n\nChannel 0: do\n\nChannel 1: understand\n\nChannel 0: nothing?\n\nChannel 1: shares. I know that they go up and down\n\nChannel 0: Yeah.\n\nChannel 1: all the time.\n\nChannel 0: Yep.\n\nChannel 1: I don't no. I don't think I've I think I've wait, maybe.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. The next question is, what kind of return would you expect to get from your superannuation over the long term? 8% of or above, six to 8%, four to 6%, two to 4%, or zero to 2%\n\nChannel 1: Over what period?\n\nChannel 0: over the long term. So just long\n\nChannel 1: Hopefully,\n\nChannel 0: term if you average\n\nChannel 1: eight.\n\nChannel 0: yep. Have your investments, including your superannuation, ever dropped in value? If yes, how did it make you feel? Optimistic, cautious, concerned, highly anxious, or seeking to maintain a loss free record.\n\nChannel 1: When I look like, does that mean, like, when I look at it and I can see it going up and down?\n\nChannel 0: Yes. Yes. So when it's dropping, how does how do you feel?\n\nChannel 1: I kinda just think, oh, did these things happen kind of thing? Like,\n\nChannel 0: Yep. So optimistic.\n\nChannel 1: yeah, because then eventually\n\nChannel 0: Do you feel\n\nChannel 1: it does start. You can\n\nChannel 0: Yep.\n\nChannel 1: see it growing again. So\n\nChannel 0: Yep. Yeah. So maybe between so cautious with no further investments planned or optimistic with future investments.\n\nChannel 1: Possibly optimistic with future investments.\n\nChannel 0: Yep. Okay. And then the last question is, have you ever thought about taking out a loan to invest? And if so, would it be for shares and investment funds or an investment property or for your own home?\n\nChannel 1: No. Not really.\n\nChannel 0: Yep. So have you borrowed money have you thought about borrowing money for a\n\nChannel 1: Oh, I suppose\n\nChannel 0: investment\n\nChannel 1: we borrowed money for the caravan, didn't we? Oh,\n\nChannel 0: property?\n\nChannel 1: that's an investment.\n\nChannel 0: Yep. Yeah. Kind of. Yeah. So you've never thought of an investment property or\n\nChannel 1: No. No.\n\nChannel 0: just your home rent home? Yep. Okay. That's okay. Beautiful.\n\nSo what you've come out as based on the risk profile is a growth investor. So it's a step below your current risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Now what what that means is instead of having an allocation to growth assets sitting at 80 90%, growth investor would typically have it sitting at 80% with their defensive assets at 20 instead of 10 for a which you are now as a high growth. Again, the minimum time frame for that is six years, and you could with you could expect, again, the same as a high growth, one in every five years being a negative year, but the main difference being the market volatility being plus or minus 11%. So there's a there's a 3% difference there between the high growth and growth portfolio for volatility and then an overall expected return of seven to 9% per annum. So what it means is you would decrease your growth assets and increase your defensive assets. But given that you do have twelve years before you can access this\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: I think stay like that it's\n\nChannel 0: yes.\n\nChannel 1: yeah.\n\nChannel 0: Yep, I I think high growth is appropriate. As we approach retirement, as you approach\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: retirement,\n\nChannel 1: Then you'd be a bit more cautious.\n\nChannel 0: there are there are\n\nChannel 1: Yeah.\n\nChannel 0: stages where we look at decreasing allocations to growth assets\n\nChannel 1: Yep.\n\nChannel 0: as retirement approaches to start allowing for more income producing investments over the lead up to retirement. So\n\nChannel 1: Yep.\n\nChannel 0: I personally recommend would recommend a high growth portfolio for you, and I just need to know if\n\nChannel 1: Yeah.\n\nChannel 0: you're comfortable with that.\n\nChannel 1: Yep. Yeah. Yeah. Keep it with\n\nChannel 0: Okay.\n\nChannel 1: what it is. Yeah.\n\nChannel 0: Wonderful. Alright. What so from here, my action items is is we're pretty comfortable with your portfolio for the time being with no\n\nChannel 1: Yep.\n\nChannel 0: changes noted for us to make at the moment.\n\nChannel 1: I was gonna\n\nChannel 0: I'm going\n\nChannel 1: start to\n\nChannel 0: yep.\n\nChannel 1: I've got the thing from work to start contributing with my own the tax free one, like, the one that\n\nChannel 0: Oh, okay. So is that a part of did I pay you a little bit extra super if you contribute?\n\nChannel 1: it's like we don't do oh, I forgot what it's called. Yeah. That's it. That's what it's called.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So it's sad. Yeah. I was gonna\n\nChannel 0: Did you\n\nChannel 1: do that.\n\nChannel 0: did you did you want advice surrounding that, or is it have you already selected\n\nChannel 1: No.\n\nChannel 0: an\n\nChannel 1: I\n\nChannel 0: amount?\n\nChannel 1: haven't started it yet. I've just thought about it.\n\nChannel 0: Yeah. Did you want us to look at that for you as to what amount would be best, or have you decide are you gonna pick an amount?\n\nChannel 1: I was just I was just thinking around, like, maybe $50 a fortnight to start with and then just see.\n\nChannel 0: And and that's just for you to build your\n\nChannel 1: I just\n\nChannel 0: super.\n\nChannel 1: yeah. I just thought to do it maybe. And\n\nChannel 0: Okay.\n\nChannel 1: I think the tax agent said it's a good way of doing it as well.\n\nChannel 0: Yeah. Okay. Did the tax agent give you any idea of how much you should be\n\nChannel 1: No.\n\nChannel 0: contributing or\n\nChannel 1: No.\n\nChannel 0: no?\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: Do you think it should\n\nChannel 0: Alright.\n\nChannel 1: be more?\n\nChannel 0: Oh, no. No. No. No. I I'm only asking because we can definitely give you advice on that, but it also comes down to potentially, it could be more better to do more, but it also comes down to affordability as well.\n\nSo\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that's why I was kind of asking, have you picked an amount? If you haven't, I can definitely we can definitely look at giving you some advice surrounding that. But if you're if you're wanting to start with that and then review it over time, that's something that we can look at as well over our\n\nChannel 1: Yeah.\n\nChannel 0: next few and your reviews. So I'm kind of gauging from you what your thoughts are and what your plans are. And do you do you want advice on that right now?\n\nChannel 1: Alright. From you, like, right now.\n\nChannel 0: Oh, not right now on the phone.\n\nChannel 1: Yeah.\n\nChannel 0: I'll have to go\n\nChannel 1: Oh,\n\nChannel 0: away and do some research and\n\nChannel 1: yeah.\n\nChannel 0: then give\n\nChannel 1: If\n\nChannel 0: you\n\nChannel 1: you want to. I don't\n\nChannel 0: an advice\n\nChannel 1: know.\n\nChannel 0: document.\n\nChannel 1: Yeah. I was just, yeah, I was just thinking about it because, you know, how some people do, like, the where they put money aside and then at the end of, like, a Christmas, they can I was asking about that, and they're like, oh, no? We don't do that, but you can be the one that you go to salary sacrifice that goes into and\n\nChannel 0: Your\n\nChannel 1: then it\n\nChannel 0: super funds.\n\nChannel 1: reduces your tax tax time or something? Or\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Yep.\n\nChannel 1: not quite\n\nChannel 0: What's\n\nChannel 1: know how\n\nChannel 0: it?\n\nChannel 1: it works.\n\nChannel 0: Yeah. Well, what I can do is I can give you a very simple general information table showing you what $50 per fortnight would do from a tax perspective for you.\n\nChannel 1: Oh, yeah.\n\nChannel 0: If you\n\nChannel 1: Okay.\n\nChannel 0: wanted us to then go deeper and say how much you should be doing, like, what's the best outcome to build your super, and then look at it from a tax planning perspective as well, we can do that. But what I can do is I can just send you a a brief email\n\nChannel 1: Yeah.\n\nChannel 0: with a calculation showing you what that is. And then if you wanted to depending on what you wanna do post that, we can just have another conversation.\n\nChannel 1: Yep. Yeah. Alright.\n\nChannel 0: Okay. Do you have any other questions for me?\n\nChannel 1: No. No.\n\nChannel 0: No. So it's a lot of information to take\n\nChannel 1: It\n\nChannel 0: in\n\nChannel 1: is.\n\nChannel 0: at once, so I'm sorry about\n\nChannel 1: No.\n\nChannel 0: that.\n\nChannel 1: That's okay.\n\nChannel 0: Okay. Alright. Well, I will let you go, Michelle.\n\nChannel 1: Yep. And I'll just sign\n\nChannel 0: But\n\nChannel 1: this document.\n\nChannel 0: yeah. Yeah. If as long\n\nChannel 1: Yep.\n\nChannel 0: as you're comfortable too and you're happy to proceed. And\n\nChannel 1: Yes.\n\nChannel 0: I'm off work tomorrow, but I will get I'll ask the team to send you I'll actual no. I'll get the team to produce it, and I'll send you an email on Monday\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: Okay.\n\nChannel 0: the with an outline of that basic calculation.\n\nChannel 1: Yep. Alright. No worries.\n\nChannel 0: Fantastic. Well, thank you so much for your time. I\n\nChannel 1: No.\n\nChannel 0: really\n\nChannel 1: That's\n\nChannel 0: appreciate\n\nChannel 1: okay.\n\nChannel 0: it,\n\nChannel 1: Thank\n\nChannel 0: and\n\nChannel 1: you.\n\nChannel 0: it was lovely speaking with you.\n\nChannel 1: Yep. You too. Thank you.\n\nChannel 0: Thank you. Enjoy your evening.\n\nChannel 1: You too. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.010174399241805077}],"sentiment":"neutral","sentiment_score":0.010174399241805077,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hello.","start":2.32,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.014714328572154043},{"text":"Is this Michelle?","start":2.6399999,"end":3.62,"sentiment":"neutral","sentiment_score":0.016540486986438434}],"sentiment":"neutral","sentiment_score":0.016083947382867336,"channel":0,"num_words":4,"start":2.32,"end":3.62},{"sentences":[{"text":"Yes.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.08911474794149399}],"sentiment":"neutral","sentiment_score":0.08911474794149399,"channel":1,"num_words":1,"start":4.16,"end":4.66},{"sentences":[{"text":"Michelle, it's Jenna here phoning from Oakview Financial.","start":5.12,"end":8.02,"sentiment":"neutral","sentiment_score":0.12682749051600695},{"text":"How are you today?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.18790514394640923}],"sentiment":"neutral","sentiment_score":0.14718670832614103,"channel":0,"num_words":12,"start":5.12,"end":9.139999},{"sentences":[{"text":"Good.","start":9.44,"end":9.76,"sentiment":"positive","sentiment_score":0.5476410984992981},{"text":"Thanks.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.6360183954238892}],"sentiment":"positive","sentiment_score":0.5918297469615936,"channel":1,"num_words":2,"start":9.44,"end":10.26},{"sentences":[{"text":"That's good.","start":10.88,"end":11.86,"sentiment":"positive","sentiment_score":0.597724050283432},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":12.0,"end":17.425,"sentiment":"neutral","sentiment_score":0.0694471016202284},{"text":"Is that okay?","start":17.485,"end":18.305,"sentiment":"neutral","sentiment_score":0.07594220836957295}],"sentiment":"neutral","sentiment_score":0.10787707367645842,"channel":0,"num_words":28,"start":10.88,"end":18.305},{"sentences":[{"text":"Yeah.","start":18.615,"end":18.855,"sentiment":"neutral","sentiment_score":0.08714178204536438},{"text":"That's fine.","start":18.855,"end":19.675,"sentiment":"neutral","sentiment_score":0.13571376353502274}],"sentiment":"neutral","sentiment_score":0.11952310303846995,"channel":1,"num_words":3,"start":18.615,"end":19.675},{"sentences":[{"text":"Yep.","start":20.045,"end":20.365,"sentiment":"neutral","sentiment_score":0.09167324751615524},{"text":"And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please?","start":20.365,"end":25.5,"sentiment":"neutral","sentiment_score":0.045729032276492367}],"sentiment":"neutral","sentiment_score":0.04802624303847551,"channel":0,"num_words":20,"start":20.045,"end":25.5},{"sentences":[{"text":"Yeah.","start":26.0,"end":26.24,"sentiment":"neutral","sentiment_score":0.02403616718947887},{"text":"Michelle Doyle, six and nine seventy eight, sixty one Woodell Street, Shepparton, Victoria.","start":26.24,"end":30.9,"sentiment":"neutral","sentiment_score":0.025589637458324432}],"sentiment":"neutral","sentiment_score":0.025478675296264037,"channel":1,"num_words":14,"start":26.0,"end":30.9},{"sentences":[{"text":"Thank you for confirming that.","start":31.9,"end":33.34,"sentiment":"positive","sentiment_score":0.528925222158432},{"text":"I appreciate that.","start":33.34,"end":34.559998,"sentiment":"positive","sentiment_score":0.6375470956166586},{"text":"I'm phoning this afternoon to complete your annual review that we have scheduled in.","start":35.02,"end":39.9,"sentiment":"neutral","sentiment_score":0.2637116408773831},{"text":"Do you have time to complete that?","start":39.9,"end":41.475,"sentiment":"neutral","sentiment_score":0.16988773431096757},{"text":"Oh, fantastic.","start":43.234997,"end":43.975,"sentiment":"positive","sentiment_score":0.3748519569635391}],"sentiment":"neutral","sentiment_score":0.3286499491622371,"channel":0,"num_words":31,"start":31.9,"end":43.975},{"sentences":[{"text":"How's your day been so far?","start":44.594997,"end":46.135,"sentiment":"neutral","sentiment_score":0.22984847674767175}],"sentiment":"neutral","sentiment_score":0.22984847674767175,"channel":0,"num_words":6,"start":44.594997,"end":46.135},{"sentences":[{"text":"Yep.","start":45.895,"end":46.215,"sentiment":"neutral","sentiment_score":0.08313721418380737},{"text":"Yeah.","start":46.215,"end":46.455,"sentiment":"neutral","sentiment_score":0.10229699313640594},{"text":"Not too 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I might do, if it's okay with you, is I might just run through the financial and personal information that we do have on file just to make sure it's correct.","start":66.895004,"end":74.755,"sentiment":"neutral","sentiment_score":0.0064200329361483455}],"sentiment":"neutral","sentiment_score":0.005372946424519315,"channel":0,"num_words":34,"start":64.53,"end":74.755},{"sentences":[{"text":"Yep.","start":75.125,"end":75.625,"sentiment":"neutral","sentiment_score":0.011740150861442087}],"sentiment":"neutral","sentiment_score":0.011740150861442087,"channel":1,"num_words":1,"start":75.125,"end":75.625},{"sentences":[{"text":"So I will start with your marital status.","start":76.495,"end":82.840004,"sentiment":"neutral","sentiment_score":0.00020077149383723736},{"text":"Still married to 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that's","start":1195.87,"end":1196.27,"sentiment":"neutral","sentiment_score":0.05041817016899586}],"sentiment":"neutral","sentiment_score":0.035741168319394716,"channel":0,"num_words":19,"start":1186.605,"end":1196.27},{"sentences":[{"text":"Yep.","start":1196.145,"end":1196.645,"sentiment":"neutral","sentiment_score":0.10668778419494628}],"sentiment":"neutral","sentiment_score":0.10668778419494628,"channel":1,"num_words":1,"start":1196.145,"end":1196.645},{"sentences":[{"text":"what that front document is.","start":1196.27,"end":1197.7101,"sentiment":"neutral","sentiment_score":0.08824611753225327},{"text":"It's just a bit of an overview.","start":1197.7101,"end":1199.0901,"sentiment":"neutral","sentiment_score":0.07345552423170634},{"text":"The next document is your returns for the last twelve months, so the performance of the portfolio.","start":1199.9501,"end":1205.885,"sentiment":"neutral","sentiment_score":0.04986438965972732}],"sentiment":"neutral","sentiment_score":0.06217634074133018,"channel":0,"num_words":29,"start":1196.27,"end":1205.885},{"sentences":[{"text":"Yep.","start":1206.83,"end":1207.33,"sentiment":"neutral","sentiment_score":0.06364239007234573}],"sentiment":"neutral","sentiment_score":0.06364239007234573,"channel":1,"num_words":1,"start":1206.83,"end":1207.33},{"sentences":[{"text":"So back towards earlier this year, the team got you out of an investment called Benelon Australian Equities Fund and replaced it with the Beta Australian two hundred shares fund.","start":1207.4651,"end":1222.37,"sentiment":"neutral","sentiment_score":-0.021613110167284805},{"text":"The reason being is that Banalong was systemically 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it's the return is sitting at 9.47% after fees and costs.","start":1269.555,"end":1276.615,"sentiment":"neutral","sentiment_score":-0.022436955728783056},{"text":"So it is it is bouncing back after we replaced that investment,","start":1276.835,"end":1282.42,"sentiment":"neutral","sentiment_score":0.07036972790956497}],"sentiment":"neutral","sentiment_score":0.022110252417623998,"channel":0,"num_words":25,"start":1269.555,"end":1282.42},{"sentences":[{"text":"Yes.","start":1283.4199,"end":1283.9199,"sentiment":"neutral","sentiment_score":0.13466748595237732}],"sentiment":"neutral","sentiment_score":0.13466748595237732,"channel":1,"num_words":1,"start":1283.4199,"end":1283.9199},{"sentences":[{"text":"but we're we're very transparent in the fact that that's why we provide the two reports.","start":1283.92,"end":1290.435,"sentiment":"neutral","sentiment_score":0.10372397908940911},{"text":"So your twelve month one, yes, it wasn't a great return, and that was due to the Benelong 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with.","start":1300.255,"end":1309.05,"sentiment":"positive","sentiment_score":0.5147872304916382}],"sentiment":"positive","sentiment_score":0.5147872304916382,"channel":0,"num_words":25,"start":1300.255,"end":1309.05},{"sentences":[{"text":"Yes.","start":1309.37,"end":1309.87,"sentiment":"neutral","sentiment_score":0.23435679078102112}],"sentiment":"neutral","sentiment_score":0.23435679078102112,"channel":1,"num_words":1,"start":1309.37,"end":1309.87},{"sentences":[{"text":"The next document in the pack is a Vanguard index chart.","start":1312.15,"end":1315.61,"sentiment":"neutral","sentiment_score":0.175870727409016},{"text":"What this shows you, and I like to use it with clients as a tool to talk about your tolerance to risk, is those top four on the right hand side, you've got US shares, Australian shares, international, and Australian listed property.","start":1315.91,"end":1333.91,"sentiment":"neutral","sentiment_score":0.1846817098557949},{"text":"They're your growth 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defensive income producing assets that do provide a little bit grow of growth over a very long period of time, but they've their job is to produce income.","start":1348.665,"end":1361.51,"sentiment":"neutral","sentiment_score":0.1549145207973197},{"text":"And when the market is dipping or having a volatile moment, they're there just to try and produce income to some of that volatility.","start":1361.51,"end":1372.775,"sentiment":"neutral","sentiment_score":0.0037456569261848927}],"sentiment":"neutral","sentiment_score":0.08248695157586582,"channel":0,"num_words":63,"start":1346.3451,"end":1372.775},{"sentences":[{"text":"Yes.","start":1373.7001,"end":1374.2001,"sentiment":"neutral","sentiment_score":0.12283241748809814}],"sentiment":"neutral","sentiment_score":0.12283241748809814,"channel":1,"num_words":1,"start":1373.7001,"end":1374.2001},{"sentences":[{"text":"So how you're invested at the moment from your risk profile is a high growth investor, and that is sits at a 90% allocation to those top four being your growth assets with a 10% to the bottom the bottom two areas being your defensive assets.","start":1374.1951,"end":1394.07,"sentiment":"neutral","sentiment_score":0.15036006773943486},{"text":"Now the the time frame of a high growth risk profile is a minimum of six years.","start":1394.69,"end":1404.885,"sentiment":"neutral","sentiment_score":0.00039695400525541864},{"text":"So","start":1405.345,"end":1405.845,"sentiment":"neutral","sentiment_score":0.041250333189964294}],"sentiment":"neutral","sentiment_score":0.10882127605145797,"channel":0,"num_words":64,"start":1374.1951,"end":1405.845},{"sentences":[{"text":"Yep.","start":1405.615,"end":1406.115,"sentiment":"neutral","sentiment_score":0.056180670857429504}],"sentiment":"neutral","sentiment_score":0.056180670857429504,"channel":1,"num_words":1,"start":1405.615,"end":1406.115},{"sentences":[{"text":"what that tells us is is that to withstand that market volatility, you need to be have a time frame of a minimum of at least six years or sorry,","start":1405.905,"end":1416.9199,"sentiment":"neutral","sentiment_score":-0.07047775958975157}],"sentiment":"neutral","sentiment_score":-0.07047775958975157,"channel":0,"num_words":30,"start":1405.905,"end":1416.9199},{"sentences":[{"text":"Yes.","start":1416.71,"end":1417.21,"sentiment":"neutral","sentiment_score":-0.007013915106654167}],"sentiment":"neutral","sentiment_score":-0.007013915106654167,"channel":1,"num_words":1,"start":1416.71,"end":1417.21},{"sentences":[{"text":"eight years.","start":1416.9199,"end":1417.4,"sentiment":"neutral","sentiment_score":-0.031397463753819466},{"text":"Sorry.","start":1417.4,"end":1417.9,"sentiment":"neutral","sentiment_score":-0.17405793070793152},{"text":"Wrong that's my my mistake there.","start":1418.04,"end":1420.22,"sentiment":"negative","sentiment_score":-0.3427513688802719},{"text":"Eight years.","start":1420.28,"end":1421.1,"sentiment":"neutral","sentiment_score":-0.08172139152884483},{"text":"So given that you're twelve years from from preservation age, so being able to access","start":1421.4,"end":1428.5349,"sentiment":"neutral","sentiment_score":-0.0021113240470488864}],"sentiment":"neutral","sentiment_score":-0.09571052751002404,"channel":0,"num_words":26,"start":1416.9199,"end":1428.5349},{"sentences":[{"text":"Yes.","start":1428.235,"end":1428.735,"sentiment":"neutral","sentiment_score":0.06578555703163147}],"sentiment":"neutral","sentiment_score":0.06578555703163147,"channel":1,"num_words":1,"start":1428.235,"end":1428.735},{"sentences":[{"text":"it, that tells us that you are within that time frame.","start":1428.755,"end":1432.9349,"sentiment":"neutral","sentiment_score":0.04205275191502138},{"text":"But, also, I need to confirm with you that, you know, in a high growth portfolio, you're looking at one in every five years of being a negative return just due","start":1433.715,"end":1444.72,"sentiment":"negative","sentiment_score":-0.3708007614458761}],"sentiment":"neutral","sentiment_score":-0.2626724603275458,"channel":0,"num_words":42,"start":1428.755,"end":1444.72},{"sentences":[{"text":"Yes.","start":1444.57,"end":1445.07,"sentiment":"neutral","sentiment_score":-0.3208560347557068}],"sentiment":"neutral","sentiment_score":-0.3208560347557068,"channel":1,"num_words":1,"start":1444.57,"end":1445.07},{"sentences":[{"text":"to that higher allocation to growth assets and anywhere either side of plus or minus 14% for volatility.","start":1444.72,"end":1454.1799,"sentiment":"neutral","sentiment_score":-0.29213565505213207},{"text":"So, you know, one of those negative returns could look at potentially up to a negative 14% return just because you're in that growth asset.","start":1454.64,"end":1465.5951,"sentiment":"negative","sentiment_score":-0.40608837008476256},{"text":"So if you look at those big events like the GFC and COVID, whether the market's absolutely in a nontechnical term tanks,","start":1466.295,"end":1476.14,"sentiment":"neutral","sentiment_score":-0.23449609631841833}],"sentiment":"neutral","sentiment_score":-0.3164548486471176,"channel":0,"num_words":65,"start":1444.72,"end":1476.14},{"sentences":[{"text":"Yeah.","start":1477.98,"end":1478.48,"sentiment":"neutral","sentiment_score":-0.2469933032989502}],"sentiment":"neutral","sentiment_score":-0.2469933032989502,"channel":1,"num_words":1,"start":1477.98,"end":1478.48},{"sentences":[{"text":"you you know, that in those events, that's where you could expect to see those type of negative returns.","start":1478.2001,"end":1488.895,"sentiment":"negative","sentiment_score":-0.33369665710549606}],"sentiment":"negative","sentiment_score":-0.33369665710549606,"channel":0,"num_words":19,"start":1478.2001,"end":1488.895},{"sentences":[{"text":"Yeah.","start":1489.3849,"end":1489.8849,"sentiment":"neutral","sentiment_score":-0.1592879295349121}],"sentiment":"neutral","sentiment_score":-0.1592879295349121,"channel":1,"num_words":1,"start":1489.3849,"end":1489.8849},{"sentences":[{"text":"So in a high growth portfolio, on average, we expect between eight to 10% return.","start":1491.0349,"end":1498.99,"sentiment":"neutral","sentiment_score":-0.08399114360411962},{"text":"So from the six month return that we've provide performance, sorry, that we've provided tracking perfectly towards that.","start":1499.21,"end":1506.75,"sentiment":"neutral","sentiment_score":0.028642443629602592},{"text":"My question to you is, taking all that into consideration, are you still happy investing in a high growth portfolio, or would you like to maybe decrease some of your assets to those growth assets?","start":1507.53,"end":1520.525,"sentiment":"neutral","sentiment_score":-0.14163991617304938}],"sentiment":"neutral","sentiment_score":-0.08384853286449523,"channel":0,"num_words":68,"start":1491.0349,"end":1520.525},{"sentences":[{"text":"Oh, I don't really know.","start":1522.31,"end":1524.63,"sentiment":"neutral","sentiment_score":-0.23515459299087524},{"text":"Like, what do you are you allowed to recommend what to do?","start":1524.63,"end":1528.41,"sentiment":"neutral","sentiment_score":-0.2470676489174366}],"sentiment":"neutral","sentiment_score":-0.2435638089390362,"channel":1,"num_words":17,"start":1522.31,"end":1528.41},{"sentences":[{"text":"I can.","start":1529.32,"end":1529.96,"sentiment":"positive","sentiment_score":0.4917175769805908},{"text":"I can do 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document is your certificate of currency from TAL.","start":1540.885,"end":1545.845,"sentiment":"neutral","sentiment_score":0.19420964419841766},{"text":"So that's just showing you that your life and TPD insurance policies are in place and in force.","start":1545.845,"end":1552.345,"sentiment":"neutral","sentiment_score":0.18299776564041773}],"sentiment":"neutral","sentiment_score":0.18700200798256056,"channel":0,"num_words":28,"start":1540.885,"end":1552.345},{"sentences":[{"text":"Yep.","start":1553.6901,"end":1554.1901,"sentiment":"neutral","sentiment_score":0.1385163962841034}],"sentiment":"neutral","sentiment_score":0.1385163962841034,"channel":1,"num_words":1,"start":1553.6901,"end":1554.1901},{"sentences":[{"text":"The next document is our financial services guide.","start":1554.87,"end":1557.99,"sentiment":"neutral","sentiment_score":0.09461132623255253},{"text":"So it's a legal document that we provide with our provide to our clients.","start":1557.99,"end":1562.0901,"sentiment":"neutral","sentiment_score":0.11413978253092084},{"text":"It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process.","start":1562.55,"end":1579.835,"sentiment":"neutral","sentiment_score":0.043364817762504455}],"sentiment":"neutral","sentiment_score":0.06396513503483113,"channel":0,"num_words":68,"start":1554.87,"end":1579.835},{"sentences":[{"text":"Yes.","start":1580.2101,"end":1580.7101,"sentiment":"neutral","sentiment_score":0.07295286655426025}],"sentiment":"neutral","sentiment_score":0.07295286655426025,"channel":1,"num_words":1,"start":1580.2101,"end":1580.7101},{"sentences":[{"text":"The next document there's two more documents.","start":1582.25,"end":1584.2699,"sentiment":"neutral","sentiment_score":0.02841640849198614},{"text":"The next document is the adviser fee consent.","start":1585.37,"end":1589.47,"sentiment":"neutral","sentiment_score":0.03216620860621333},{"text":"So this is the renewal of the advice fee, which is funded through your superannuation fund.","start":1589.61,"end":1596.615,"sentiment":"neutral","sentiment_score":0.0639613342937082},{"text":"We so that is set at a percent fee of 1.1%.","start":1597.235,"end":1604.935,"sentiment":"neutral","sentiment_score":0.07309067452495749},{"text":"Then it would it's fixed at a flat dollar fee.","start":1605.795,"end":1610.7781,"sentiment":"neutral","sentiment_score":0.08106683269143104}],"sentiment":"neutral","sentiment_score":0.05950560814772661,"channel":0,"num_words":52,"start":1582.25,"end":1610.7781},{"sentences":[{"text":"So rather than it be 1.1% fluctuating, they we calculate it based on your balance as when the review is done and equate that to 1.1%, and that's fixed for the next twelve months.","start":1610.7781,"end":1622.8485,"sentiment":"neutral","sentiment_score":0.08665280076949035},{"text":"So that would be $180 and sticks for the next twelve months.","start":1622.8485,"end":1625.125,"sentiment":"neutral","sentiment_score":0.09414323388288419},{"text":"So that would be $180.81 per month deducted from your superannuation fund if you decided to continue","start":1625.125,"end":1633.305,"sentiment":"neutral","sentiment_score":0.08657601147013552}],"sentiment":"neutral","sentiment_score":0.0880588290118982,"channel":0,"num_words":63,"start":1610.7781,"end":1633.305},{"sentences":[{"text":"Yep.","start":1634.27,"end":1634.77,"sentiment":"neutral","sentiment_score":0.04785216972231865}],"sentiment":"neutral","sentiment_score":0.04785216972231865,"channel":1,"num_words":1,"start":1634.27,"end":1634.77},{"sentences":[{"text":"receiving advice from us.","start":1634.5651,"end":1636.105,"sentiment":"neutral","sentiment_score":0.04764231666922569}],"sentiment":"neutral","sentiment_score":0.04764231666922569,"channel":0,"num_words":4,"start":1634.5651,"end":1636.105},{"sentences":[{"text":"Okay.","start":1636.67,"end":1637.17,"sentiment":"neutral","sentiment_score":0.03955857455730438}],"sentiment":"neutral","sentiment_score":0.03955857455730438,"channel":1,"num_words":1,"start":1636.67,"end":1637.17},{"sentences":[{"text":"So that document does need signing if you wish to proceed.","start":1638.41,"end":1642.27,"sentiment":"neutral","sentiment_score":0.00534260052848946}],"sentiment":"neutral","sentiment_score":0.00534260052848946,"channel":0,"num_words":11,"start":1638.41,"end":1642.27},{"sentences":[{"text":"Yeah.","start":1643.07,"end":1643.57,"sentiment":"neutral","sentiment_score":0.045103758573532104}],"sentiment":"neutral","sentiment_score":0.045103758573532104,"channel":1,"num_words":1,"start":1643.07,"end":1643.57},{"sentences":[{"text":"And then the next document is the authority for us to hold your tax file number.","start":1643.4501,"end":1651.85,"sentiment":"neutral","sentiment_score":0.07540400023572147},{"text":"So we have that on file due to setting up your superannuation fund.","start":1651.85,"end":1656.485,"sentiment":"neutral","sentiment_score":0.10463999412380733},{"text":"The this form is just you acknowledging that we do hold that on file, and you're okay with 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that basic calculation.","start":2510.705,"end":2513.925,"sentiment":"neutral","sentiment_score":0.09707155777141452}],"sentiment":"neutral","sentiment_score":0.09707155777141452,"channel":0,"num_words":8,"start":2510.705,"end":2513.925},{"sentences":[{"text":"Yep.","start":2514.625,"end":2514.865,"sentiment":"neutral","sentiment_score":0.13412126898765564},{"text":"Alright.","start":2514.865,"end":2515.365,"sentiment":"neutral","sentiment_score":0.17834065854549408},{"text":"No worries.","start":2515.425,"end":2516.085,"sentiment":"neutral","sentiment_score":0.26002050936222076}],"sentiment":"neutral","sentiment_score":0.2081257365643978,"channel":1,"num_words":4,"start":2514.625,"end":2516.085},{"sentences":[{"text":"Fantastic.","start":2517.3398,"end":2517.8398,"sentiment":"positive","sentiment_score":0.7308119535446167},{"text":"Well, thank you so much for your 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Oakview Financial, the customer, Michelle, discusses her income and expenses with the agent, including groceries and living expenses. The agent advises her about retirement age requirements and health issues, and discusses her income needs and insurance coverage options. They also discuss retirement age requirements and the benefits of waiting for a while to avoid debt. The speaker provides information on risk tolerance and advises Michelle on maintaining loss-free records and contributing to a tax-free retirement plan. They also discuss the risk profile of a high growth portfolio and recommend reducing allocations to growth assets and increasing defensive assets. The speaker suggests decreasing allocations to growth assets and increasing defensive assets, and offers advice on contributing to a tax-free retirement plan and provides a general information table for Michelle to review."},"intents":{"segments":[{"text":"And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please? 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Yes.","start_word":308,"end_word":321,"intents":[{"intent":"Confirm income","confidence_score":0.35869342}]},{"text":"And does that include super or super on No.","start_word":339,"end_word":347,"intents":[{"intent":"Inquire about super super","confidence_score":0.038715452}]},{"text":"And we have your expenditure at $450 per week. 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Yeah.","start_word":1011,"end_word":1049,"intents":[{"intent":"Discuss retirement retirement plans","confidence_score":0.009179486},{"intent":"Express desire to be debt-free","confidence_score":0.003025378}]},{"text":"Just to build on that a little bit, what age were you thinking of retirement?","start_word":1060,"end_word":1074,"intents":[{"intent":"Build on retirement age","confidence_score":0.06375043},{"intent":"Determine retirement age","confidence_score":0.32616892},{"intent":"Determine retirement age","confidence_score":0.6819904},{"intent":"Consider retirement age","confidence_score":0.035751216},{"intent":"Propose retirement age","confidence_score":0.0005945329},{"intent":"Explain retirement age","confidence_score":0.033778284},{"intent":"Explain retirement retirement age","confidence_score":0.0011412827}]},{"text":"So so you could Yes. retire at 60 if you wanted to, but, yeah, most people would go to about 60. Yeah.","start_word":1138,"end_word":1159,"intents":[{"intent":"Express desire to retire","confidence_score":0.035374157}]},{"text":"So what in retirement, what do you think your income need would be? I have no idea.","start_word":1196,"end_word":1212,"intents":[{"intent":"Inquire about income need","confidence_score":0.0031856294}]},{"text":"Anything else that you can think of that might be relevant there?","start_word":1347,"end_word":1358,"intents":[{"intent":"Think about future needs","confidence_score":0.00017343405}]},{"text":"So with insurance, just covering up on that while we're here, I note that you have your sums insured for insurance are $8,810,461 for life and TPD insurance, which would certainly cover off the debt. Yep.","start_word":1370,"end_word":1405,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.011289136}]},{"text":"Like, a I could probably find a payslip, but I don't have one, like, writing, like, on me. No. No. That's okay. That's alright. You can send it through at a at a later time.","start_word":1753,"end_word":1787,"intents":[{"intent":"Send paylip","confidence_score":0.01661683}]},{"text":"I mean, it it is probably one of the most claimed on policies, to be honest with you, just because you are protecting your livelihood. Yeah.","start_word":1936,"end_word":1961,"intents":[{"intent":"Understand policy","confidence_score":0.003282631},{"intent":"Protect livelihood","confidence_score":0.31307343}]},{"text":"That's the if, You're like, covered if for I pass away. Yep.","start_word":2020,"end_word":2031,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.0008786584}]},{"text":"So life insurance is is if you pass away, and total Yep. and permanent disablement is basically if you are unable to ever return to the workforce based on your qualifications and experience.","start_word":2033,"end_word":2065,"intents":[{"intent":"Determine life insurance coverage","confidence_score":0.0013019319}]},{"text":"to have a look at. And if you decide to go down that path, you can reach out to them and arrange a time to meet with them, and they can do it all virtually as well. Yep.","start_word":2346,"end_word":2383,"intents":[{"intent":"Schedule meeting with workers","confidence_score":0.0008652621}]},{"text":"access to your emails at the moment?","start_word":2423,"end_word":2429,"intents":[{"intent":"Access emails","confidence_score":0.51468456}]},{"text":"It's just a review pack. So it's some documents that I'd like to talk through with you. If you can't view them at the moment, that's okay. I'll talk to them, and you can have a look at them post our call if you like. Yep.","start_word":2435,"end_word":2480,"intents":[{"intent":"Discuss documents with speaker 1","confidence_score":0.00036799363}]},{"text":"The next document is your returns for the last twelve months, so the performance of the portfolio.","start_word":2772,"end_word":2788,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.5270092}]},{"text":"Oh, I don't really know. Like, what do you are you allowed to recommend what to do?","start_word":3480,"end_word":3496,"intents":[{"intent":"Share investment recommendations","confidence_score":0.0003346824}]},{"text":"and I can make a recommendation. Yep.","start_word":3523,"end_word":3529,"intents":[{"intent":"Make a recommendation","confidence_score":0.47258335}]},{"text":"The next document is our financial services guide. So it's a legal document that we provide with our provide to our clients. It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process. Yes.","start_word":3559,"end_word":3627,"intents":[{"intent":"Provide information","confidence_score":0.05893429}]},{"text":"The next document is the adviser fee consent. So this is the renewal of the advice fee, which is funded through your superannuation fund.","start_word":3635,"end_word":3658,"intents":[{"intent":"Confirm consent","confidence_score":0.024323396}]},{"text":"And then the next document is the authority for us to hold your tax file number. So we have that on file due to setting up your superannuation fund. The this form is just you acknowledging that we do hold that on file, and you're okay with that. Yep. Okay.","start_word":3761,"end_word":3810,"intents":[{"intent":"Hold tax file number","confidence_score":0.4931795}]},{"text":"based on this, it will help me give you a it'll help me understand your tolerance to risk Yes.","start_word":3852,"end_word":3870,"intents":[{"intent":"Provide guidance","confidence_score":0.16440797},{"intent":"Understand risk tolerance","confidence_score":0.3298762}]},{"text":"So the first question is is what's the most aggressive investment you've ever made? The options are direct shares, managed funds, investment property, your own home, or a high interest bank account? Oh, just the house.","start_word":3876,"end_word":3911,"intents":[{"intent":"Discuss investments and timelines","confidence_score":0.00031612584},{"intent":"Discuss investment strategy and future strategy","confidence_score":0.0000086162645}]},{"text":"The next question is inflation means things are getting more expensive over time, making your money worth less. How much risk are you willing to keep to take to keep up with the rising prices?","start_word":4013,"end_word":4047,"intents":[{"intent":"Discuss inflation and risk","confidence_score":0.1107083}]},{"text":"Would you invest more heavily? Would you invest modestly for growth? Would you hold and wait to see for improvement? Would you shift to defensive assets to try and minimize losses, or would you convert to cash?","start_word":4141,"end_word":4177,"intents":[{"intent":"Discuss future strategy","confidence_score":0.0006655698}]},{"text":"They're valued at, let's say, $200 today. If the market fell and they had a the CBA shares were impacted and they have well, they reduced by 20%. So they went down to a $160 a share. Knowing that Yeah.","start_word":4349,"end_word":4388,"intents":[{"intent":"Evaluate market dynamics","confidence_score":0.108887546}]},{"text":"What so from here, my action items is is we're pretty comfortable with your portfolio for the time being with no Yep.","start_word":5005,"end_word":5026,"intents":[{"intent":"Discuss portfolio","confidence_score":0.07712884}]},{"text":"No. No. I I'm only asking because we can definitely give you advice on that, but it also comes down to potentially, it could be more better to do more, but it also comes down to affordability as well. So Yeah.","start_word":5263,"end_word":5303,"intents":[{"intent":"Provide advice","confidence_score":0.014589234}]},{"text":"If you haven't, I can definitely we can definitely look at giving you some advice surrounding that. But if you're if you're wanting to start with that and then review it over time, that's something that we can look at as well over our Yeah.","start_word":5317,"end_word":5361,"intents":[{"intent":"Review contribution","confidence_score":0.00012861942}]},{"text":"And do you do you want advice on that right now?","start_word":5383,"end_word":5393,"intents":[{"intent":"Obtain advice","confidence_score":0.019430842}]},{"text":"I'll have to go Oh, away and do some research and yeah. then give If you you want to.","start_word":5408,"end_word":5426,"intents":[{"intent":"Go research","confidence_score":0.0009028331}]},{"text":"reduces your tax tax time or something? Or Yep.","start_word":5504,"end_word":5512,"intents":[{"intent":"Discuss super funds","confidence_score":0.12590876}]},{"text":"Well, what I can do is I can give you a very simple general information table showing you what $50 per fortnight would do from a tax perspective for you. Oh, yeah.","start_word":5524,"end_word":5555,"intents":[{"intent":"Evaluate tax planning and outcomes","confidence_score":1.246815e-7}]},{"text":"But what I can do is I can just send you a a brief email Yeah. with a calculation showing you what that is. And then if you wanted to depending on what you wanna do post that, we can just have another conversation. Yep.","start_word":5598,"end_word":5642,"intents":[{"intent":"Send email","confidence_score":0.22759864}]},{"text":"But what I can do is I can just send you a a brief email Yeah. with a calculation showing you what that is. And then if you wanted to depending on what you wanna do post that, we can just have another conversation. Yep. Yeah.","start_word":5598,"end_word":5643,"intents":[{"intent":"Respond to email","confidence_score":0.00030299852}]},{"text":"I'm off work tomorrow, but I will get I'll ask the team to send you I'll actual no.","start_word":5712,"end_word":5729,"intents":[{"intent":"Request team's approval","confidence_score":0.003103018}]}]},"sentiments":{"segments":[{"text":"Hello? Hello. Is this Michelle? Yes. Michelle, it's Jenna here phoning from Oakview Financial. How are you today?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.10374171286821364},{"text":"Good. Thanks. That's good.","start_word":18,"end_word":21,"sentiment":"positive","sentiment_score":0.5956906080245972},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine. Yep. And, Michelle, can I just ask for you to confirm your full name, date of birth, and address, please? Yeah. Michelle Doyle, six and nine seventy eight, sixty one Woodell Street, Shepparton, Victoria.","start_word":22,"end_word":84,"sentiment":"neutral","sentiment_score":0.05565671622753143},{"text":"Thank you for confirming that. I appreciate that.","start_word":85,"end_word":92,"sentiment":"positive","sentiment_score":0.5677742958068848},{"text":"I'm phoning this afternoon to complete your annual review that we have scheduled in. Do you have time to complete that?","start_word":93,"end_word":113,"sentiment":"neutral","sentiment_score":0.2416382133960724},{"text":"Oh, fantastic.","start_word":114,"end_word":115,"sentiment":"positive","sentiment_score":0.37485194206237793},{"text":"How's your day been so far? Yep. Yeah. Not too bad. Oh, that's good.","start_word":116,"end_word":129,"sentiment":"neutral","sentiment_score":0.20786261558532715},{"text":"That's good.","start_word":130,"end_word":131,"sentiment":"positive","sentiment_score":0.35798653960227966},{"text":"So it since we last spoke, has there been any significant changes to your personal financial situation that we need to flag to talk about today? No. No. Nothing's No. changed. Okay. Alright. What I might do, if it's okay with you, is I might just run through the financial and personal information that we do have on file just to make sure it's correct. Yep. So I will start with your marital status. Still married to Craig? Yep. Yes. And you have two children. Is that right? Oh, we've got three, but the oldest Three. is 20 Yep. six. That's okay. And I have your occupation here is that you are a family engagement officer with the Department of Education Victoria. Is that still right? Yep. And how long have I think around 2009, you maybe. been with them for? Wow. Wonderful. And do you enjoy it? Yeah. Yeah. I'm in well-being now. So Oh, good. And same is school, just different area. that different area. Yes. Yeah. Is that still full time? Yep. Wonderful. Now I have your income down as 58,000. Would 58. that be correct? Yes. No. I think it's a lot higher than that. I think it's about $80.86 maybe. Okay. And does that include super or super on No. That probably top? includes super. Okay. And we have your expenditure at $450 per week. Would that be correct? And then, like, groceries and everything. What's that including like? Yeah. So your living expenses, groceries, anything It's probably higher than that now. You're not the only one that says that. I couldn't even pick how high what what did you say? A week? Yeah. $4.50. Would that be split between you and Craig? Or Yeah. Maybe. yeah. Is that So 4 doesn't 50. does that include just, like, just grocery like, what's it in does it does it include the house or not currently? No. It I mean, you can get to me if you wanted to include the house. Like, oh, I can keep the house mortgage repayment separate. It's entirely up to you. Yeah. And I probably keep them separate. So yeah. And I'm Yep. probably maybe 600 a week. I don't know. It's hard to tell. Different Yeah. every It week, is, isn't isn't it? it? It is. And would that be your like, you and Craig put 600 in each or Yeah. No. combined? I probably just yeah. Probably combined. Yep. Okay. What what is the mortgage payment? So once so the mortgage and the cars are all together Okay. Yes. now. Yep. So they're kinda together, but they're not together. But they get taken out at the same time. $8.56 is one, and then I think the other one's $3.58 or something like that. Okay. So I have the mortgage sitting at $2.20. Does that sound about right? Yeah. Well, no. Because it's No. it's oh, actual They've been the actual mortgage. Oh, the Yeah. ballot. Sorry. Yeah. The Yeah. outstanding. No. I was Sorry. thinking about $2.20 a week. No. I think it's going up a little bit because we brought a caravan. So Yep. I don't know. Maybe it's about $2.30. Yep. Yeah. And the cars, you said, was a separate amount. Is that right? Yeah. So the car's in the caravan. So both our cars and the caravan as a $3.56 or something. Yeah. Yep. 350 Yeah. 6 Roughly. Yep. thousand. Yep. So No. that's No. No. No. No. 2 No. Sorry. no. 356 a fortnight. Yep. Okay. Yeah. No. They're Do you know it's only, like, 50. okay.","start_word":132,"end_word":733,"sentiment":"neutral","sentiment_score":-0.022098140832828825},{"text":"Beautiful.","start_word":734,"end_word":734,"sentiment":"positive","sentiment_score":0.3419133424758911},{"text":"Yeah. Or 40. It might even be 40. Yeah. 40. And what would the caravan and the cars be valued at approximately? The Caravan's 40,000, Yep. and the cars Yep. are probably 20 h. Okay.","start_word":735,"end_word":769,"sentiment":"neutral","sentiment_score":0.03460746258497238},{"text":"Beautiful. Thank you for that.","start_word":770,"end_word":774,"sentiment":"positive","sentiment_score":0.6289650201797485},{"text":"Any other assets or liabilities that you can think of? No. No? Okay. And have sorry to ask, but I do need to ask this question. Have you ever been declared bankrupt or have had a debt No. agreement in place? No? Okay. And do you have any significant health issues, injuries, or take any medication? No. No. Do you have private health insurance? No. And has you or Craig been able to establish any wills or powers of attorney No. yet? We don't. Okay. No. It's bad. No. That's okay. It's pretty common, to be honest with you. Alright.","start_word":775,"end_word":874,"sentiment":"neutral","sentiment_score":-0.09755650907754898},{"text":"My mom keeps going through with me.","start_word":875,"end_word":881,"sentiment":"negative","sentiment_score":-0.41121572256088257},{"text":"You need to do that. Yep. Yeah. Yep. Well, I will also be one of those people that says you need to do that. Yeah. With your goals and objectives, we have four on file from last time. I just wanna Yep. make sure that they're relevant or if there's any new ones. Yeah. So I previously said you wanted to sell your car and buy a new one, which it sounds like you have done. Yeah. Must have done it. Yeah. Yeah. You'd also like to get some house renovations done? Yeah. I Yeah. think instead we brought the caravan. Yep. Okay. Yeah.","start_word":882,"end_word":985,"sentiment":"neutral","sentiment_score":-0.002674211049452424},{"text":"Fantastic.","start_word":986,"end_word":986,"sentiment":"positive","sentiment_score":0.4265124201774597},{"text":"Are you still wanting to do the house renovations? Or Oh, I'd love to, but I don't know if we ever will.","start_word":987,"end_word":1008,"sentiment":"neutral","sentiment_score":0.05969689278440042},{"text":"But okay. And you would like to be debt free and own your own house yeah. and have enough in super to live off comfortably while you were able to do some traveling around Australia and possibly Croatia in retirement.","start_word":1009,"end_word":1048,"sentiment":"positive","sentiment_score":0.482468456029892},{"text":"Yeah. Is that Yeah. still sound about Yes. right? Yes. Okay. Just to build on that a little bit, what age were you thinking of retirement? I don't know, actually. I've never really thought about it. Yeah. I don't even know what the age is. Well, access to superannuation for yourself is currently the age of 60 Yep. based on today's legislation. And then age pension, if you were needing to supplement any form of your income becomes available based on, again, today's legislation, 67 years of age. Yeah. So so you could Yes. retire at 60 if you wanted to, but, yeah, most people would go to about 60. Yeah. I don't know. Maybe. Most people would probably go to about 65, wouldn't they, or 60? Is that what you said? Yeah. And we can work our way backwards from looking at your income need. Yeah. So what in retirement, what do you think your income need would be? I have no idea. No. Okay. So if you're debt free, wanting to do those, the traveling any ideas? No. I have no idea. No. That's okay. That's fine. We can just park that for later. Yeah. And you wanna retire with the biggest balance possible. You like the Yeah. idea Ideally. of, yeah, active monitoring Yeah. and knowing that someone is protecting you from, you know, market crashes. So actively helping Yeah. you Yeah. with that. Still still current? Yeah. Yep. Yep.","start_word":1049,"end_word":1291,"sentiment":"neutral","sentiment_score":0.03686581924557686},{"text":"And you also want to know if well, you would want to have comfort in the facts fact that if something was to happen to you, you'd want the kids and Craig to be debt free with the least amount of stress as possible.","start_word":1292,"end_word":1335,"sentiment":"positive","sentiment_score":0.33946648240089417},{"text":"Yeah. Is Yep. that still Yeah. current? Yeah. Yep.","start_word":1336,"end_word":1344,"sentiment":"neutral","sentiment_score":0.08616647869348526},{"text":"Okay. Fantastic.","start_word":1345,"end_word":1346,"sentiment":"positive","sentiment_score":0.428044080734253},{"text":"Anything else that you can think of that might be relevant there? No. I don't think so. I think yeah. Yep. Okay. Alright. So with insurance, just covering up on that while we're here, I note that you have your sums insured for insurance are $8,810,461 for life and TPD insurance, which would certainly cover off the debt. Yep. Did you need to look at income protection, which would cover your wage if you're unable to work due to injury or illness? Oh, I've never really worried about any of that. No. Yeah. I don't know. Ideally, like, it would be good, but I don't know. I just don't yeah. I've never really looked into, like, that kind of life insurance and stuff like that. Yep. I can definitely Yeah. have a look at it for you if you like. Basically, how income protection works is you can cover up to 70% of your taxable income if you're unable to work due to injury or illness. Yeah. And it covers you twenty four hours a day, seven days a week. So it doesn't matter if you're it's not the same as work cover, so it will cover you if you're injured outside of work hours. Additionally, there are there are two options with it. You've got your waiting period, which I kind of explain it to clients as your excess, similar to your car. It's the number of days you need to wait before you can be paid Yep. or claim on it. And then your benefit period dictates dictates the amount of time that you are eligible to be paid depending on how bad your injury or illness is. So they vary from two years to five years to age 65, which takes you through to retirement. And Yeah. your benefit your waiting period varies from thirty days and anywhere upwards to about six months, really.","start_word":1347,"end_word":1663,"sentiment":"neutral","sentiment_score":0.08142725521645712},{"text":"And it is a good policy to have.","start_word":1664,"end_word":1671,"sentiment":"positive","sentiment_score":0.48324599862098694},{"text":"It can be funded through your superannuation fund the same way your life and TPD presently Okay. is. So I can have a look at that for you if you like. I'd probably just need you to confirm your in your taxable income with me, so a payslip of some description so I could confirm what levels of cover that you would be eligible to apply for. Yeah. So I just I don't we didn't even get that anymore, do we? Like, a I could probably find a payslip, but I don't have one, like, writing, like, on me. No. No. That's okay. That's alright. You can send it through at a at a later time.","start_word":1672,"end_word":1787,"sentiment":"neutral","sentiment_score":0.09219636479071502},{"text":"That's absolutely Oh, fine.","start_word":1788,"end_word":1791,"sentiment":"positive","sentiment_score":0.3464463949203491},{"text":"yep. You don't need to send it now. But did you I can have a look at that for you if you like me to. Do you think is that something you'd like? I'm not sure. I just feel like it's an added, like, number insurance. You know what I mean? Like, you pay all these different insurances, and it's just, like, I don't know. You're, like, turning it Yeah. down. I know Yeah. it's, It's like, silly example, yeah. but, like, when we first got one of our dogs, we don't have any longer. They're like, oh, do you want pet insurance? I'm like, no.","start_word":1792,"end_word":1897,"sentiment":"neutral","sentiment_score":-0.09247904270887376},{"text":"No. No. I don't need that. And then that night, it broke its leg, and I'm like, it's too late Oh, to get pet gosh.","start_word":1898,"end_word":1922,"sentiment":"negative","sentiment_score":-0.3762292265892029},{"text":"insurance. Well, And yeah, they're like, you could yep. probab Oh, no. yeah. I mean, it it is probably one of the most claimed on policies, to be honest with you, just because you are protecting your livelihood. Yeah. It it is in it's something that I just need to make you aware of. Whether you wish to look at it further is entirely your choice. There is absolutely no pressure. I Yeah. just need to my job is to let you know how you can protect yourself. So what's the other one that I get already? That's the if, You're like, covered if for I pass away. Yep. Yep. So life insurance is is if you pass away, and total Yep. and permanent disablement is basically if you are unable to ever return to the workforce based on your qualifications and experience. So the way I'd like to think of it is is if you're in an office that you were bedridden, basically. Yeah. And that's the one I've already Because, got. yeah, you already have Yeah. that. Yep. Yeah. No. I'll probably pass on the other one for now. I can Yep. always change That's that okay. at a later date anyway, but Of course. have And us we thought will about think about a bit more. yeah. Of course. And we'll always talk to you about it in your reviews anyway and Yeah. touch Yeah. base, so that's absolutely fine. There's another level of cover as well that I do have to just inform you of. It's trauma insurance. It's a lump sum cover payable when you're diagnosed with a insurable event. Typically cancer, heart attack, stroke. And that one's paid out of your personal cash flow if you want to explore that Oh, further. okay. Yep. So did you want to look at that or leave that again for the time being? Entirely up to you. Yeah. I might leave it for now. Yep. That's absolutely okay. Alright. So the estate planning, the wills and power of attorney, I'm going to be annoying and be one of those people that says, please do this. What I can do, if you would like me to, I can send you a brochure of someone that we work with, Oh, yeah.","start_word":1923,"end_word":2304,"sentiment":"neutral","sentiment_score":-0.02932711168319104},{"text":"That'd be great.","start_word":2305,"end_word":2307,"sentiment":"positive","sentiment_score":0.38244399428367615},{"text":"Yep. and they do do them relative. They're they're quite price friendly compared to Yep. some of the the the ones I've seen in my time. Yeah. Yep. So I'll send that through to you for you Alright. to have a look at. And if you decide to go down that path, you can reach out to them and arrange a time to meet with them, and they can do it all virtually as well. Yep. Yeah. Alright. Yeah. I need to look into both our workers works as well. Like, they might even offer them. Some sometimes workplaces offer them. Yeah. Looking at. I have sent you a email. Do you have Mhmm. access to your emails at the moment? On my phone, I do. Yeah. It's just a review pack. So it's some documents that I'd like to talk through with you. If you can't view them at the moment, that's okay. I'll talk to them, and you can have a look at them post our call if you like. Yep. Did you wanna bring them up or have a look post Let your me just have a look. call? Okay.","start_word":2308,"end_word":2500,"sentiment":"neutral","sentiment_score":0.11450851627582095},{"text":"It's just easier if I know so then I can guide you through the right way.","start_word":2501,"end_word":2516,"sentiment":"positive","sentiment_score":0.46890637278556824},{"text":"And I think it's come free yet. Okay. It will come What through comes from free from Odusign a or Jenna Wheeler. Just on my email. Yep. The email we Well, have we on have file a is Michelle.Doyle@Education.Vic.gov.au. Yeah. That's right. I don't have anything come through yet, though. Check your junk mail, maybe. Is that I got all my other ones from you. It shouldn't shouldn't have went to that, but I'll have a look. No. It's sent in. Alright. I might just give it a sec because I can resend it if it doesn't pop up. I'll just hit resend and see. Yeah. Maybe. I'm, like, resetting my emails, but nothing's coming through. Oh, yeah. It just come through. Oh, thank I'll probably you. get Thank two you. now. You want Oh, that's okay. Yeah. I just have Okay. So let me know when you to got those documents it says signed up, so go into that one. open. Yes. But you're not signing anything at the moment. Yep. Yeah. I can see it. Okay. It's Beautiful. really small. Is it? Sorry. No. No. No. It's just on my phone. Oh, okay. Well, the first document you're looking at is just an overall summary of your super and insurance. Your net wealth balance is presently sitting at a 197,249 Yep. with your CalLife insurance sitting at those figures that I mentioned before, 810,461 for life and TPD. So that's Yep. what that front document is. It's just a bit of an overview. The next document is your returns for the last twelve months, so the performance of the portfolio. Yep. So back towards earlier this year, the team got you out of an investment called Benelon Australian Equities Fund and replaced it with the Beta Australian two hundred shares fund. The reason being is that Banalong was systemically underperforming, Yep. and the decision was made by the investment committee to change them or replace them, I guess you'd say it. Yep. So the last twelve month performance, if you look at the bottom line on that page, you're still sitting at a negative 1.25% return. That's after fees and everything. But we have changed Benelon within that six month period. So what we've done is come back and said the next document is a six month performance to Yes. show you that the portfolio is actually recovering. Oh, So in the last okay. six months, it's the return is sitting at 9.47% after fees and costs. So it is it is bouncing back after we replaced that investment, Yes. but we're we're very transparent in the fact that that's why we provide the two reports. So your twelve month one, yes, it wasn't a great return, and that was due to the Benelong Australian Equity Fund. Yep.","start_word":2517,"end_word":2986,"sentiment":"neutral","sentiment_score":-0.03173675459433109},{"text":"We actioned that from a, like you said, actively managed it, and it now the portfolio is starting to bounce back, which we're pleased with.","start_word":2987,"end_word":3011,"sentiment":"positive","sentiment_score":0.5087894201278687},{"text":"Yes. The next document in the pack is a Vanguard index chart. What this shows you, and I like to use it with clients as a tool to talk about your tolerance to risk, is those top four on the right hand side, you've got US shares, Australian shares, international, and Australian listed property. They're your growth assets. And you can see on that chart, they're the ones that experience the most volatility due to them being growth assets, basically. And the bottom Yep. two is your restrained bonds and cash. So they're more your defensive income producing assets that do provide a little bit grow of growth over a very long period of time, but they've their job is to produce income. And when the market is dipping or having a volatile moment, they're there just to try and produce income to some of that volatility. Yes. So how you're invested at the moment from your risk profile is a high growth investor, and that is sits at a 90% allocation to those top four being your growth assets with a 10% to the bottom the bottom two areas being your defensive assets. Now the the time frame of a high growth risk profile is a minimum of six years. So Yep. what that tells us is is that to withstand that market volatility, you need to be have a time frame of a minimum of at least six years or sorry, Yes. eight years. Sorry.","start_word":3012,"end_word":3258,"sentiment":"neutral","sentiment_score":0.08393368556311256},{"text":"Wrong that's my my mistake there.","start_word":3259,"end_word":3264,"sentiment":"negative","sentiment_score":-0.33331751823425293},{"text":"Eight years. So given that you're twelve years from from preservation age, so being able to access Yes. it, that tells us that you are within that time frame.","start_word":3265,"end_word":3293,"sentiment":"neutral","sentiment_score":0.013183142058551311},{"text":"But, also, I need to confirm with you that, you know, in a high growth portfolio, you're looking at one in every five years of being a negative return just due Yes.","start_word":3294,"end_word":3325,"sentiment":"negative","sentiment_score":-0.35608986020088196},{"text":"to that higher allocation to growth assets and anywhere either side of plus or minus 14% for volatility.","start_word":3326,"end_word":3343,"sentiment":"neutral","sentiment_score":-0.2939121425151825},{"text":"So, you know, one of those negative returns could look at potentially up to a negative 14% return just because you're in that growth asset.","start_word":3344,"end_word":3368,"sentiment":"negative","sentiment_score":-0.4017954468727112},{"text":"So if you look at those big events like the GFC and COVID, whether the market's absolutely in a nontechnical term tanks, Yeah. you you know, that in those events, that's where you could expect to see those type of negative returns. Yeah. So in a high growth portfolio, on average, we expect between eight to 10% return. So from the six month return that we've provide performance, sorry, that we've provided tracking perfectly towards that. My question to you is, taking all that into consideration, are you still happy investing in a high growth portfolio, or would you like to maybe decrease some of your assets to those growth assets? Oh, I don't really know. Like, what do you are you allowed to recommend what to do?","start_word":3369,"end_word":3496,"sentiment":"neutral","sentiment_score":-0.17035990953445437},{"text":"I can. I can do that. Yes. I'll do that in a moment.","start_word":3497,"end_word":3509,"sentiment":"positive","sentiment_score":0.46694818139076233},{"text":"I'll ask you a few questions, and then we'll go through that, Alright.","start_word":3510,"end_word":3522,"sentiment":"neutral","sentiment_score":0.24463307857513428},{"text":"and I can make a recommendation.","start_word":3523,"end_word":3528,"sentiment":"positive","sentiment_score":0.3942481577396393},{"text":"Yep. The next document is your certificate of currency from TAL. So that's just showing you that your life and TPD insurance policies are in place and in force. Yep. The next document is our financial services guide. So it's a legal document that we provide with our provide to our clients. It tells you who we are, who our licensee is, importantly, that we're licensed through ASIC, the different types of advice we provide and how we provide it, including the fees, and also if you're unhappy with any of the services we provide, the complaints process. Yes. The next document there's two more documents. The next document is the adviser fee consent. So this is the renewal of the advice fee, which is funded through your superannuation fund. We so that is set at a percent fee of 1.1%. Then it would it's fixed at a flat dollar fee. So rather than it be 1.1% fluctuating, they we calculate it based on your balance as when the review is done and equate that to 1.1%, and that's fixed for the next twelve months. So that would be $180 and sticks for the next twelve months. So that would be $180.81 per month deducted from your superannuation fund if you decided to continue Yep. receiving advice from us. Okay. So that document does need signing if you wish to proceed. Yeah. And then the next document is the authority for us to hold your tax file number. So we have that on file due to setting up your superannuation fund. The this form is just you acknowledging that we do hold that on file, and you're okay with that. Yep. Okay. So those two documents out of the pack do require signing, but I'm going to jump over to what we call a risk profile questionnaire. I'm gonna ask you it's about seven questions. There's no right or wrong answer. And Yep. based on this, it will help me give you a it'll help me understand your tolerance to risk Yes. and and make a recommendation. So the first question is is what's the most aggressive investment you've ever made? The options are direct shares, managed funds, investment property, your own home, or a high interest bank account? Oh, just the house. I haven't done anything Your else. house? Yeah. Yep. Okay. And once you're in once investments have been placed, so if we think about this in relation to your superannuation, how long would it be before you need to access the capital? Would it be longer than ten years, between seven to nine, and so on? Between four to six, two So to three, that would or be two longer, years. wouldn't it? Because we don't access Yes. it till yeah. Yep. Yeah. So that would likely be ten years or more. Do you agree with that? Yeah. Yep. Yep. Okay. The next question is inflation means things are getting more expensive over time, making your money worth less. How much risk are you willing to keep to take to keep up with the rising prices? So that's basically, the options is a very high risk, a high risk, moderate risk to outpace inflation, a small amount to keep pace with inflation, or you're unwilling to take any risk despite inflation. Moderate or high? Need you to answer that. I don't know. Maybe moderate? Okay. Yep. So, again, referring to your superannuation, how would you feel if in six months after investing that your portfolio decreased by 20% due to the trends in the financial market? So that's those volatility moments in the market on that Vanguard sheet. Yeah. Would you invest more heavily? Would you invest modestly for growth? Would you hold and wait to see for improvement? Would you shift to defensive assets to try and minimize losses, or would you convert to cash? I have no IDs, and that's what we Yes. So, basically, the the question is, to put it differently, Yeah. is if the market fell, would you consider putting in more money to buy at a discount? Would you wait and see how the market recovers, or would you get really, really worried and move to defensive So assets? if So we were yeah. in if we were in something that was falling, would we just stay there and keep it falling, or would we move it? Is that Okay. what you mean? So the No. yeah. It could potentially be seen as that. So I yeah. I mean, would you wait and see? Would you want to invest more money? don't think I'd wanna invest more because then wouldn't you lose more? Or If you think about it so one of the things that one of the easiest ways to explain the theory behind that is if the market's down so say, for example, let's just use CBA shares. Yes. They're valued at, let's say, $200 today. If the market fell and they had a the CBA shares were impacted and they have well, they reduced by 20%. So they went down to a $160 a share. Knowing that Yeah. over time, markets recover, what would you do? Would you wait? Would you maybe buy some more, or would Oh, you just I said I really do understand nothing? shares. I know that they go up and down Yeah. all the time. Yep. I don't no. I don't think I've I think I've wait, maybe. Yeah. No. That's Yeah. absolutely fine. The next question is, what kind of return would you expect to get from your superannuation over the long term? 8% of or above, six to 8%, four to 6%, two to 4%, or zero to 2% Over what period? over the long term. So just long Hopefully, term if you average eight. yep. Have your investments, including your superannuation, ever dropped in value? If yes, how did it make you feel? Optimistic, cautious, concerned, highly anxious, or seeking to maintain a loss free record. When I look like, does that mean, like, when I look at it and I can see it going up and down? Yes. Yes. So when it's dropping, how does how do you feel? I kinda just think, oh, did these things happen kind of thing? Like, Yep.","start_word":3529,"end_word":4582,"sentiment":"neutral","sentiment_score":-0.014609839141623344},{"text":"So optimistic.","start_word":4583,"end_word":4584,"sentiment":"positive","sentiment_score":0.34092915058135986},{"text":"yeah, because then eventually Do you feel it does start. You can Yep.","start_word":4585,"end_word":4597,"sentiment":"neutral","sentiment_score":0.2397547960281372},{"text":"see it growing again.","start_word":4598,"end_word":4601,"sentiment":"positive","sentiment_score":0.3672889173030853},{"text":"So Yep. Yeah. So maybe between so cautious with no further investments planned or optimistic with future investments.","start_word":4602,"end_word":4619,"sentiment":"neutral","sentiment_score":0.02726561948657036},{"text":"Possibly optimistic with future investments.","start_word":4620,"end_word":4624,"sentiment":"positive","sentiment_score":0.346605509519577},{"text":"Yep. Okay. And then the last question is, have you ever thought about taking out a loan to invest? And if so, would it be for shares and investment funds or an investment property or for your own home? No. Not really. Yep. So have you borrowed money have you thought about borrowing money for a Oh, I suppose investment we borrowed money for the caravan, didn't we? Oh, property? that's an investment. Yep. Yeah. Kind of. Yeah. So you've never thought of an investment property or No. No. just your home rent home? Yep. Okay. That's okay.","start_word":4625,"end_word":4722,"sentiment":"neutral","sentiment_score":0.0041512735188007355},{"text":"Beautiful.","start_word":4723,"end_word":4723,"sentiment":"positive","sentiment_score":0.4313875436782837},{"text":"So what you've come out as based on the risk profile is a growth investor. So it's a step below your current risk profile. Yep. Now what what that means is instead of having an allocation to growth assets sitting at 80 90%, growth investor would typically have it sitting at 80% with their defensive assets at 20 instead of 10 for a which you are now as a high growth. Again, the minimum time frame for that is six years, and you could with you could expect, again, the same as a high growth, one in every five years being a negative year, but the main difference being the market volatility being plus or minus 11%. So there's a there's a 3% difference there between the high growth and growth portfolio for volatility and then an overall expected return of seven to 9% per annum. So what it means is you would decrease your growth assets and increase your defensive assets. But given that you do have twelve years before you can access this Yeah. and I think stay like that it's yes. yeah. Yep, I I think high growth is appropriate. As we approach retirement, as you approach Yeah. Yeah. retirement, Then you'd be a bit more cautious. there are there are Yeah. stages where we look at decreasing allocations to growth assets Yep. as retirement approaches to start allowing for more income producing investments over the lead up to retirement. So I Yep. personally recommend would recommend a high growth portfolio for you, and I just need to know if Yeah. you're comfortable with that. Yep. Yeah. Yeah. Keep it with Okay. what it is.","start_word":4724,"end_word":5001,"sentiment":"neutral","sentiment_score":0.002885251259096234},{"text":"Yeah. Wonderful. Alright.","start_word":5002,"end_word":5004,"sentiment":"positive","sentiment_score":0.5816071629524231},{"text":"What so from here, my action items is is we're pretty comfortable with your portfolio for the time being with no Yep. changes noted for us to make at the moment. I was gonna I'm going start to yep. I've got the thing from work to start contributing with my own the tax free one, like, the one that Oh, okay. So is that a part of did I pay you a little bit extra super if you contribute? it's like we don't do oh, I forgot what it's called. Yeah. That's it. That's what it's called. Yeah. Yeah. Yeah. So it's sad. Yeah. I was gonna Did you do that. did you did you want advice surrounding that, or is it have you already selected No. an I amount? haven't started it yet. I've just thought about it. Yeah. Did you want us to look at that for you as to what amount would be best, or have you decide are you gonna pick an amount? I was just I was just thinking around, like, maybe $50 a fortnight to start with and then just see. And and that's just for you to build your I just super. yeah. I just thought to do it maybe. And Okay. I think the tax agent said it's a good way of doing it as well. Yeah. Okay. Did the tax agent give you any idea of how much you should be No. contributing or No. no? No. Okay. Do you think it should Alright. be more? Oh, no. No. No. No. I I'm only asking because we can definitely give you advice on that, but it also comes down to potentially, it could be more better to do more, but it also comes down to affordability as well. So Yeah. Yeah. that's why I was kind of asking, have you picked an amount? If you haven't, I can definitely we can definitely look at giving you some advice surrounding that. But if you're if you're wanting to start with that and then review it over time, that's something that we can look at as well over our Yeah. next few and your reviews. So I'm kind of gauging from you what your thoughts are and what your plans are. And do you do you want advice on that right now? Alright. From you, like, right now. Oh, not right now on the phone. Yeah. I'll have to go Oh, away and do some research and yeah. then give If you you want to. I don't an advice know. document. Yeah. I was just, yeah, I was just thinking about it because, you know, how some people do, like, the where they put money aside and then at the end of, like, a Christmas, they can I was asking about that, and they're like, oh, no? We don't do that, but you can be the one that you go to salary sacrifice that goes into and Your then it super funds. reduces your tax tax time or something? Or Yep. I'm Yep. not quite What's know how it? it works. Yeah. Well, what I can do is I can give you a very simple general information table showing you what $50 per fortnight would do from a tax perspective for you. Oh, yeah. If you Okay. wanted us to then go deeper and say how much you should be doing, like, what's the best outcome to build your super, and then look at it from a tax planning perspective as well, we can do that. But what I can do is I can just send you a a brief email Yeah. with a calculation showing you what that is. And then if you wanted to depending on what you wanna do post that, we can just have another conversation. Yep. Yeah. Alright. Okay. Do you have any other questions for me? No. No. No. So it's a lot of information to take It in is. at once, so I'm sorry about No. that. That's okay. Okay. Alright. Well, I will let you go, Michelle. Yep. And I'll just sign But this document. yeah. Yeah. If as long Yep.","start_word":5005,"end_word":5700,"sentiment":"neutral","sentiment_score":0.039699377957731485},{"text":"as you're comfortable too and you're happy to proceed.","start_word":5701,"end_word":5709,"sentiment":"positive","sentiment_score":0.3512106239795685},{"text":"And Yes. I'm off work tomorrow, but I will get I'll ask the team to send you I'll actual no. I'll get the team to produce it, and I'll send you an email on Monday Yeah. with Okay. the with an outline of that basic calculation. Yep. Alright. No worries.","start_word":5710,"end_word":5759,"sentiment":"neutral","sentiment_score":0.05607299655675888},{"text":"Fantastic. Well, thank you so much for your time.","start_word":5760,"end_word":5768,"sentiment":"positive","sentiment_score":0.7289230227470398},{"text":"I No. really That's appreciate okay.","start_word":5769,"end_word":5774,"sentiment":"neutral","sentiment_score":0.13208363950252533},{"text":"it, Thank and you. it was lovely speaking with you. Yep. You too. Thank you. Thank you. Enjoy your evening. You too.","start_word":5775,"end_word":5796,"sentiment":"positive","sentiment_score":0.591598629951477},{"text":"Bye. Okay. Bye.","start_word":5797,"end_word":5799,"sentiment":"neutral","sentiment_score":0.19993555545806885}],"average":{"sentiment":"neutral","sentiment_score":0.019477920222660573}}}}