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Just before I do go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And can I please ask you to confirm your full name, date of birth, and address, please? That's correct. Yeah. Does that need to be updated at all? Yep. Fantastic. Lovely. The purpose of my call today is to phone and go through our scheduled annual review. Do you still have time to complete that? Lovely. Thank you. Well, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review. I can tell you exactly when it would have been. It would have been July last year, actually. July 2025. Yeah. Yep. Yes. That's right. A m e s. Yep. Yeah. Yeah. Yeah. Is that plus super? So including. Yep. Yeah. Plus super. Yeah. Lovely. Fantastic. Any other... So any other changes that are significant? Yeah. Yeah. Congratulations. Lovely. Okay. Yes. That's okay. Well, what I can do is run through what we do have on file, and then anything that's different, you can you can give me an update. So we have your email address. Has that changed? Lovely. Do you have any dependents? Yes? Okay. And I have your sister here, Nadia Franken, as your next of kin. Is that still correct? Okay. Now... So with the director of strategy and projects, what would you say your job description or duties are? Yep. Yeah. Yeah. Yep. Mhmm. Yep. Okay. I understand. So it's predominantly office space. Okay. Okay. I'm just gonna make a note of that. Okay. Now how long have you been with AIMS for? Okay. That's great. Congratulations on your upcoming anniversary. Okay. So we've gone through your income. Previously, we had you saving about $300 per week. Do you think that is still correct? Yep. Yeah. No. That... I I understand that. That's absolutely fine. Do you have any idea what your expenditure would be per week? Okay. That's fine. Okay. Would you like me to send you through post our conversation, our cash flow budget document for you to complete? And that way, we can help you stick to any plans that you make as... Lovely. Okay. Do you make any additional contributions to Super at the moment? Okay. Do you just do them ad hoc when you... Like, there's okay. Did you wanna look at setting up any kind of salary sacrifice arrangement? Yep. Cap. Contribution. Yep. Yeah. Yep. So we could... Yeah. So that's something I can definitely have a look at for you and take that into consideration if you want me to look at that for you. Yep. Yes. Yeah. It's gone up a little bit now, so you got a little bit more room to play with. So we can definitely have a look at that. With your work, do you have any type of EBA agreement? Yep. Yep. Yep. Okay. Do you know if you get any additional super contributions above the 12%, or do you receive the 12%? Just the 12%? Yep. Okay. So potentially getting a back pay of 8% from the beginning of this financial year? Okay. Okay. And a potential pay rise of 20% over the next three years, did you say? Four years. Alright. That's okay. I'll just yep. That's absolutely fine. I'll just make a note of it just to make sure that if there's anything we need to check when we check... When we have a chat next that I update that. So I've just got a bit of information there. So the last time that you had a review, you were working with a mortgage broker to review and clean up your home loan. Did you... You did. Lovely. So what is your home loan at your... Outstanding balance at the moment? Yes, please. Yes. And what's the value of your home? Yeah. Yeah. Okay. So you'd be... Okay. So you'd be happy saying $6.40 is the value? Okay. Alright. I also have here that you've got an investment property. Do you... You do? It's... I have it here valued at $7.50 with a debt of $5.70 attached. Is that still correct? Okay. Mhmm. Yep. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Okay. So do you know if it was the mid 7 hundreds? Do you recall? Oh, yeah. Oh, thank you. Yeah. That's wonderful. Yeah. Yes. Yep. Okay. So the investment property is 800,000 valued. The total loan is eight thirty two as... And that's less the amount for the... Do I less the principal residence amount from that $8.32 or is that the 8 equity? Yep. Okay. So your total debt is $8.32 plus a 174. Lovely. Yeah. Lovely. Okay. So the interest rate on your investment property, you're doing interest only. How long is that interest only term for, and what's the rate? Yeah. It might not be available on an app. It might be more so in the the web login. Yeah. That's okay. Okay. That's fine. Do you think... Do you know what the interest rate is for your home? Oh, residential, please. Lovely. And has that got thirty years remaining on it? Okay. Thank you. And your Offset account, is that connected to Offset your your residence? Yep. Yeah. Lovely. The investment prop... Sorry. I know I'm asking a lot of questions. The investment property, how much rent do you receive from that? $2.08? Yep. Okay. Alright. And then finally, I have some shares that were listed here at 20 thousand. Do you still have those? Are they a combination of different shares? Are they a particular? Okay. Did you wanna do anything with them, or are they just a long term investment that you hold? Yep. Mhmm. Mhmm. That's okay. Yeah. Yes. Lovely. That's okay. Absolutely fine. We can touch base on that again today and and sort of revisit those conversations. With your... I'm just gonna move briefly into health and lifestyle. Are you a... We have you here as a nonsmoker. Is that correct? Lovely. And do you have private health insurance? Who's that with? A h m? Alright. And do you... Have you arranged your will or power of attorney yet? Yes. Yes. I... I'll definitely chat with you about that. So if I go back up to the top of my page here, what I'm gonna do is talk through what we had here as your goals and objectives when you last spoke with your review. So what I'm gonna do is we're gonna revisit those, remove anything that's not applicable or that you've achieved, and then add in add in anything new. So your main goal at that time was to build and develop your property portfolio to the point where you have one property in each state and then look at maybe buying properties overseas. Is that still something you are wanting? Oh, okay. Yep. Oh, yeah. Where... In which which countries are you thinking? Yep. Yep. Okay. And what kind of time frame are you think... Are you wanting to achieve that in? Okay. Yeah. Yep. Yep. Okay. Okay. So the properties overseas down the track, Malaysia, Thailand, US, would you rent those out when you weren't there? Yep. Yep. Mhmm. Mhmm. Okay. Lovely. I think the next goal is what you're talking about before with building your wealth and diversifying your portfolio and look at different investment options, so outside of super, so investment accounts or bonds. Is that something that you're still wanting to do? Yep. That's alright. We all have our strengths. Okay. So if you were... What it... What would be the end what would be the purpose of this? Is it to facilitate an earlier retirement? Is it to supplement superannuation retirement income to allow you more income? What would be the the overage? Yep. Yep. Yep. Yep. Okay. So if we're looking at that, there's a couple of different options that are running through my head. I'm gonna ask a couple of questions to kinda point me in the right direction of what I'm thinking. What initial type of investment would you like? So when we set up an investment account, what would be your initial amount that you would feel comfortable investing? Yep. Yep. Mhmm. Mhmm. Yep. It does. It does. So based on that and your cash flow, we'll we'll get you to complete that cash flow budget tool. But what are you thinking you'd be comfortable with making a regular contribution and amount? Would it be... How much per month do you think you would want to contribute to that for me to be able to look at? Yep. Yep. That's it. Yep. Yep. Mhmm. Yes. Yes. Yes. Absolutely. I can definitely help you facilitate a plan and work with you to hold you accountable to achieving the goals that you wanna achieve. So that's definitely my job. So that's something that I can definitely help you work towards. Okay. Alright. So what we might do is we'll wait till you complete that cash flow budget tool for me, and then I can have a look at that. The next goal was that you're gonna continue to... You would like to do a couple of trips overseas in the next twelve months to Nepal, China, Vietnam, and other places in Asia in April. Are you wishing to continue to travel? I know that you said you do a lot of travel. Yeah. Yep. Yep. Yes. Yep. Yeah. Yes. Of course. No worries at all. You said that you wanted to do an in-depth review of your insurances as you feel like you don't have appropriate covers in place if something was to happen to you. Now I note that you do have insurance in your superannuation fund. Yeah. Yeah. So that was due to the recent eye surge... Well, the recent back then, this eye surgery you had and you were still recovering, and you were looking at changing jobs. So that is something that we can look at now if you would like to. Yep. Lovely. Alright. Well, that's something that may... We can start looking at for you as well. Your broker, you've done that. Retirement, you looked at... We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week. Is that still current? I I I understand. I understand. Alright. Okay. So what I'm going to do... Do you have access to your emails at the moment? Okay. I'm gonna shoot you through an email. What it will have attached to it is your review pack. So it is... I'm just bringing it up now to send through. So it will come through from OdooSign. And what you do is when you open the email, there'll be an option where you say it says click here to sign or sign here. If you open that document up, click on that note. It's gonna open some documents. You're not signing anything at the moment. We're just gonna talk through the review first of all. That's me. Yeah. So let me know when you got those open. Summary of super. Yep. Yep. Yep. So this is just a couple page for you. It's just a summary of where this... Where your super and insurance is held. With HUB 24, a balance is sitting at about 252,422, And you've got group insurance, of life and TPD insurance of a $178,808 and income protection of $3,342 per month with a ninety day waiting period and a two year benefit period. The... Looking at insurance, if something was to happen to you from... We'll use yesterday as an example from a... And you passed away, how... What is it that you're wanting to achieve in respect to having a life insurance policy? Who are your beneficiaries? Do you want debt to be repaid? What is what is it that you're wanting to achieve? Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Yeah. Mhmm. Yeah. Yeah. It does. So, essentially, in the event of some... Of you passing away, you would simply expect that the estate... The assets be sold and debts repaid and then debt to be divided amongst your beneficiaries. Is that correct? Yep. Lovely. Okay. So that's easy for me to go and review. The income protection income protection income protection is where you are unable to work due to injury or illness, and there is what we call a waiting period and a benefit period. So the waiting period is the number of days you need to wait before you are eligible to claim, and the benefit period is how long you are entitled to make a... Receive a claim payment based on the severity of your injury or illness. So typically with income protection, we see up to 70% of your gross taxable income being insured and the waiting period and benefit period varying depend on the depending on the individual client. So for yourself with a waiting period looking at your assets and liability... Your assets and access to cash, it looks like you could probably go a little bit longer of a waiting period than thirty days. You could probably go... Depending on your comfort level, anywhere between the sixty to ninety day wait. It is entirely up to you. Yep. Okay. Mhmm. Okay. Alright. Leave that with me. I'll have a I'll have a look at that because we definitely wanna make sure that your expenses are covered. So that that cash flow tool will also help us in formulating a recommendation. The remaining policy... Type of policy there is is trauma insurance. What that is is it's paid from your super... And it's not paid from your superannuation fund. It is paid from your individual cash flow, and it's a tax free payment that is payable when you... Or sorry. If you are diagnosed with a claimable event, which there... There's several different types, but they are specified and they range from cancer through to different types of cancer, from heart attack, stroke, and so on. Is that something that you'd be interested in receiving advice on? Yep. I can do that. I can send you through some information on that. Alright. The next document that we are going to look at if you press next is your performance within your hub twenty four account. So the portfolio itself is invested in an ethical portfolio due to your goal of wanting to be investing environmentally and socially ethical options. The portfolio itself in the last twelve months has not performed overly great. It actually has returned a negative bigger... A negative return of one... Negative 1.17% after phase. Ask... What I went back and did is had a look at it from from inception, and it looks like from inception, the annualized return is about 4.26% per annum. So being a high growth investor, which is what your risk profile is and how your fund is currently invested, it is it is lower than what we would typically predict for a high growth investment portfolio. But also, on the flip side, we do know that the ethical portfolios themselves do historically perform a little bit lower. Yeah. Exactly. So... Mhmm. Look. Yes. Well, there's many, many different portfolios that we do operate within the group, and it's more so based on the risk profile. So for example, a high growth investor, we would typically expect to see an average rolling return of between eight to 10% per annum. An ethical portfolio would would... Regardless of how it was invested across different risk profiles and allocation to growth assets would be significantly historically, performance wise, less than what we would typically see in a portfolio that has more diversification. So... Yep. Yeah. So that's since that's since inception. So it is gonna sit. So for example, one that I looked at the other day for a client in a review, they were invested for a little bit longer. So their annualized return was over a longer period of time, but it's at about 9% per annum averaged out. So you are foregoing potential growth opportunities, but, I mean, that is... What I would say is if that's the approach that you'd like to take with your superannuation, is that the same approach you'd like to take with your investment portfolio, or would you be wanting to diversify your your future investment portfolio to be the opposite of what you have in superannuation? Mhmm. Mhmm. What are... And what are those? Give me some examples so I can have a look at those. Yeah. Yep. Yeah. Yeah. Yeah. Absolutely. I completely understand that. Leave that with me, and I can look into that a little bit more. Because it might be that we can still have some alternative options that don't particularly have exposure to those types of activities. So Yep. It does. It does make sense. Absolutely. Alright. I can certainly look at that and take... Make sure that's taken into consideration too when we're reviewing everything. So what I might do is have a... Is review your superannuation portfolio while I'm looking at... Once I receive your cash flow while I'm looking at a potential investment portfolio. So it will it will depend... The timeline on me consolidating a lot of information will depend on how quickly you can get that cash flow form back to me. It's very simple and straightforward. It won't take you very long at all. The next document in the pack is our Vanguard index chart. So that is a educational piece that I like to just talk through in relation to clients' risk profile. So yours, as I mentioned earlier, is a high growth. Those top four down the right hand side, US shares, Australian shares, international, and property, they are our growth shares. So as a high growth investor, we'd expect to see approximately 90% of your funds within the portfolio invested in that... Those... Across those sectors with the remaining 10% in the bottom... The following two being bonds and cash. Is that something that you're still comfortable with? So... Yeah. Okay. Lovely. The next document across is the financial services guide. So that is our document that explains who we are, that we're authorized through ASIC or licensed through ASIC, the types of advice we provide and how we provide it, our fee structure, and if you are unhappy with any of the services, the complaints process. Yeah. That's okay. Yes. We do. The next document is your ongoing service agreement. So this is the consent to continue charging a fee from your superannuation fund for our ongoing advice. So that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum. So that's deducted monthly from your hub twenty four account. That that fee covers your reviews, so it will cover any changes I'm gonna look into your superannuation fund. It's... It will cover the regular... The annual reviews that you have, and also you're not limited. So if you do want to ring up and, say, for example, start a sari sacrifice arrangement, then, you know, that's included as part of your ongoing fee. If we do look at investments as part of a recommendation, there will be an advice fee and an ongoing fee for that one. But I can give you more information on that when I've had a look at your cash flow to know where we sit with that and how that will work. And then the next document in this pack is the option to provide your tax file number. So we do hold your tax file number on file, and we had that when we set up your superannuation fund. So this this form here is one that does require signing along with the OSA if you're con... If you're happy to continue being a client. And the TFN form just says that we... You're giving us authority to hold your tax phone number on file. Any questions so far? Yep. Of course. Absolutely fine. So my next steps here is I'm going to send you, most likely by close of business tomorrow, a summary of our chat via email, some information pieces, the budget sheet for you to complete. Once I've received that budget spreadsheet back, I can then look at reviewing the superannuation portfolio, particularly the underlying investments, and seeing if we could look at any changes surrounding investment options, taking into consideration the the topics we discussed earlier, look at salary sacrifice, and also look at investment options. So I I feel like once I do get that cash flow back, there's a fair bit in there for me to look at, and it will probably take about three to four weeks to get an advice document together once the the cash flow document has been received. So I will reach out and keep you updated, but those are the next steps if you're happy with that. Mhmm. 100%. Yep. Yeah. Mhmm. That's something you need to do with your... With a lawyer. What I'm going to do is in my email I'm sending to you, I'm going to send you a brochure for a professional partner that we use. They can do it remotely or virtually like we conduct our reviews. Their fees are quite reasonable, very reasonable, actually. And if you want to proceed, you just reach out to them. But so I'm gonna send you an email with some information for you to be able to to act upon. So I'll I'll step that out for you in the email. It does. So in the email, I'll I will map that out. Yeah. I'll give you an indication. So I won't be able... I can give you an indication of what it will be. And once I've received the cash flow and we... I kind of figure out what my recommendation's gonna be when we meet in three to four weeks' time, I'll actually be able to give you a document that says exactly what the fees are going to be, and you can then make an informed decision. But I can definitely give you a guide when I send through the information. Alright. Lovely. Well, thank you for your time today. It was lovely speaking with you. Yeah. Yeah. Good. Good. I'm glad. So I'm more than happy to be your partner in that and help you work towards that. Lovely. Yep. Yeah. Definitely. Definitely. Thank you, and I'll speak with you soon. Okay. You too. 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morning. This is Jenniferning from Oakview Financial. How are you today? I'm well. Thanks.\n\nI'm well. Just before I do go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And can I please ask you to confirm your full name, date of birth, and address, please?\n\nThat's correct. Yeah. Does that need to be updated at all? Yep. Fantastic.\n\nLovely. The purpose of my call today is to phone and go through our scheduled annual review. Do you still have time to complete that? Lovely. Thank you.\n\nWell, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review. I can tell you exactly when it would have been. It would have been July last year, actually. July 2025. Yeah.\n\nYep. Yes. That's right. A m e s. Yep.\n\nYeah. Yeah. Yeah. Is that plus super? So including.\n\nYep. Yeah. Plus super. Yeah. Lovely.\n\nFantastic. Any other... So any other changes that are significant? Yeah. Yeah.\n\nCongratulations. Lovely. Okay. Yes. That's okay.\n\nWell, what I can do is run through what we do have on file, and then anything that's different, you can you can give me an update. So we have your email address. Has that changed? Lovely. Do you have any dependents?\n\nYes? Okay. And I have your sister here, Nadia Franken, as your next of kin. Is that still correct? Okay.\n\nNow... So with the director of strategy and projects, what would you say your job description or duties are? Yep. Yeah. Yeah.\n\nYep. Mhmm. Yep. Okay. I understand.\n\nSo it's predominantly office space. Okay. Okay. I'm just gonna make a note of that. Okay.\n\nNow how long have you been with AIMS for? Okay. That's great. Congratulations on your upcoming anniversary. Okay.\n\nSo we've gone through your income. Previously, we had you saving about $300 per week. Do you think that is still correct? Yep. Yeah.\n\nNo. That... I I understand that. That's absolutely fine. Do you have any idea what your expenditure would be per week?\n\nOkay. That's fine. Okay. Would you like me to send you through post our conversation, our cash flow budget document for you to complete? And that way, we can help you stick to any plans that you make as...\n\nLovely. Okay. Do you make any additional contributions to Super at the moment? Okay. Do you just do them ad hoc when you...\n\nLike, there's okay. Did you wanna look at setting up any kind of salary sacrifice arrangement? Yep. Cap. Contribution.\n\nYep. Yeah. Yep. So we could... Yeah.\n\nSo that's something I can definitely have a look at for you and take that into consideration if you want me to look at that for you. Yep. Yes. Yeah. It's gone up a little bit now, so you got a little bit more room to play with.\n\nSo we can definitely have a look at that. With your work, do you have any type of EBA agreement? Yep. Yep. Yep.\n\nOkay. Do you know if you get any additional super contributions above the 12%, or do you receive the 12%? Just the 12%? Yep. Okay.\n\nSo potentially getting a back pay of 8% from the beginning of this financial year? Okay. Okay. And a potential pay rise of 20% over the next three years, did you say? Four years.\n\nAlright. That's okay. I'll just yep. That's absolutely fine. I'll just make a note of it just to make sure that if there's anything we need to check when we check...\n\nWhen we have a chat next that I update that. So I've just got a bit of information there. So the last time that you had a review, you were working with a mortgage broker to review and clean up your home loan. Did you... You did.\n\nLovely. So what is your home loan at your... Outstanding balance at the moment? Yes, please. Yes.\n\nAnd what's the value of your home? Yeah. Yeah. Okay. So you'd be...\n\nOkay. So you'd be happy saying $6.40 is the value? Okay. Alright. I also have here that you've got an investment property.\n\nDo you... You do? It's... I have it here valued at $7.50 with a debt of $5.70 attached. Is that still correct?\n\nOkay. Mhmm. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. Mhmm. Okay.\n\nSo do you know if it was the mid 7 hundreds? Do you recall? Oh, yeah. Oh, thank you. Yeah.\n\nThat's wonderful. Yeah. Yes. Yep. Okay.\n\nSo the investment property is 800,000 valued. The total loan is eight thirty two as... And that's less the amount for the... Do I less the principal residence amount from that $8.32 or is that the 8 equity? Yep.\n\nOkay. So your total debt is $8.32 plus a 174. Lovely. Yeah. Lovely.\n\nOkay. So the interest rate on your investment property, you're doing interest only. How long is that interest only term for, and what's the rate? Yeah. It might not be available on an app.\n\nIt might be more so in the the web login. Yeah. That's okay. Okay. That's fine.\n\nDo you think... Do you know what the interest rate is for your home? Oh, residential, please. Lovely. And has that got thirty years remaining on it?\n\nOkay. Thank you. And your Offset account, is that connected to Offset your your residence? Yep. Yeah.\n\nLovely. The investment prop... Sorry. I know I'm asking a lot of questions. The investment property, how much rent do you receive from that?\n\n$2.08? Yep. Okay. Alright. And then finally, I have some shares that were listed here at 20 thousand.\n\nDo you still have those? Are they a combination of different shares? Are they a particular? Okay. Did you wanna do anything with them, or are they just a long term investment that you hold?\n\nYep. Mhmm. Mhmm. That's okay. Yeah.\n\nYes. Lovely. That's okay. Absolutely fine. We can touch base on that again today and and sort of revisit those conversations.\n\nWith your... I'm just gonna move briefly into health and lifestyle. Are you a... We have you here as a nonsmoker. Is that correct?\n\nLovely. And do you have private health insurance? Who's that with? A h m? Alright.\n\nAnd do you... Have you arranged your will or power of attorney yet? Yes. Yes. I...\n\nI'll definitely chat with you about that. So if I go back up to the top of my page here, what I'm gonna do is talk through what we had here as your goals and objectives when you last spoke with your review. So what I'm gonna do is we're gonna revisit those, remove anything that's not applicable or that you've achieved, and then add in add in anything new. So your main goal at that time was to build and develop your property portfolio to the point where you have one property in each state and then look at maybe buying properties overseas. Is that still something you are wanting?\n\nOh, okay. Yep. Oh, yeah. Where... In which which countries are you thinking?\n\nYep. Yep. Okay. And what kind of time frame are you think... Are you wanting to achieve that in?\n\nOkay. Yeah. Yep. Yep. Okay.\n\nOkay. So the properties overseas down the track, Malaysia, Thailand, US, would you rent those out when you weren't there? Yep. Yep. Mhmm.\n\nMhmm. Okay. Lovely. I think the next goal is what you're talking about before with building your wealth and diversifying your portfolio and look at different investment options, so outside of super, so investment accounts or bonds. Is that something that you're still wanting to do?\n\nYep. That's alright. We all have our strengths. Okay. So if you were...\n\nWhat it... What would be the end what would be the purpose of this? Is it to facilitate an earlier retirement? Is it to supplement superannuation retirement income to allow you more income? What would be the the overage?\n\nYep. Yep. Yep. Yep. Okay.\n\nSo if we're looking at that, there's a couple of different options that are running through my head. I'm gonna ask a couple of questions to kinda point me in the right direction of what I'm thinking. What initial type of investment would you like? So when we set up an investment account, what would be your initial amount that you would feel comfortable investing? Yep.\n\nYep. Mhmm. Mhmm. Yep. It does.\n\nIt does. So based on that and your cash flow, we'll we'll get you to complete that cash flow budget tool. But what are you thinking you'd be comfortable with making a regular contribution and amount? Would it be... How much per month do you think you would want to contribute to that for me to be able to look at?\n\nYep. Yep. That's it. Yep. Yep.\n\nMhmm. Yes. Yes. Yes. Absolutely.\n\nI can definitely help you facilitate a plan and work with you to hold you accountable to achieving the goals that you wanna achieve. So that's definitely my job. So that's something that I can definitely help you work towards. Okay. Alright.\n\nSo what we might do is we'll wait till you complete that cash flow budget tool for me, and then I can have a look at that. The next goal was that you're gonna continue to... You would like to do a couple of trips overseas in the next twelve months to Nepal, China, Vietnam, and other places in Asia in April. Are you wishing to continue to travel? I know that you said you do a lot of travel.\n\nYeah. Yep. Yep. Yes. Yep.\n\nYeah. Yes. Of course. No worries at all. You said that you wanted to do an in-depth review of your insurances as you feel like you don't have appropriate covers in place if something was to happen to you.\n\nNow I note that you do have insurance in your superannuation fund. Yeah. Yeah. So that was due to the recent eye surge... Well, the recent back then, this eye surgery you had and you were still recovering, and you were looking at changing jobs.\n\nSo that is something that we can look at now if you would like to. Yep. Lovely. Alright. Well, that's something that may...\n\nWe can start looking at for you as well. Your broker, you've done that. Retirement, you looked at... We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week. Is that still current?\n\nI I I understand. I understand. Alright. Okay. So what I'm going to do...\n\nDo you have access to your emails at the moment? Okay. I'm gonna shoot you through an email. What it will have attached to it is your review pack. So it is...\n\nI'm just bringing it up now to send through. So it will come through from OdooSign. And what you do is when you open the email, there'll be an option where you say it says click here to sign or sign here. If you open that document up, click on that note. It's gonna open some documents.\n\nYou're not signing anything at the moment. We're just gonna talk through the review first of all. That's me. Yeah. So let me know when you got those open.\n\nSummary of super. Yep. Yep. Yep. So this is just a couple page for you.\n\nIt's just a summary of where this... Where your super and insurance is held. With HUB 24, a balance is sitting at about 252,422, And you've got group insurance, of life and TPD insurance of a $178,808 and income protection of $3,342 per month with a ninety day waiting period and a two year benefit period. The... Looking at insurance, if something was to happen to you from...\n\nWe'll use yesterday as an example from a... And you passed away, how... What is it that you're wanting to achieve in respect to having a life insurance policy? Who are your beneficiaries? Do you want debt to be repaid?\n\nWhat is what is it that you're wanting to achieve? Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Yeah.\n\nMhmm. Yeah. Yeah. It does. So, essentially, in the event of some...\n\nOf you passing away, you would simply expect that the estate... The assets be sold and debts repaid and then debt to be divided amongst your beneficiaries. Is that correct? Yep. Lovely.\n\nOkay. So that's easy for me to go and review. The income protection income protection income protection is where you are unable to work due to injury or illness, and there is what we call a waiting period and a benefit period. So the waiting period is the number of days you need to wait before you are eligible to claim, and the benefit period is how long you are entitled to make a... Receive a claim payment based on the severity of your injury or illness.\n\nSo typically with income protection, we see up to 70% of your gross taxable income being insured and the waiting period and benefit period varying depend on the depending on the individual client. So for yourself with a waiting period looking at your assets and liability... Your assets and access to cash, it looks like you could probably go a little bit longer of a waiting period than thirty days. You could probably go... Depending on your comfort level, anywhere between the sixty to ninety day wait.\n\nIt is entirely up to you. Yep. Okay. Mhmm. Okay.\n\nAlright. Leave that with me. I'll have a I'll have a look at that because we definitely wanna make sure that your expenses are covered. So that that cash flow tool will also help us in formulating a recommendation. The remaining policy...\n\nType of policy there is is trauma insurance. What that is is it's paid from your super... And it's not paid from your superannuation fund. It is paid from your individual cash flow, and it's a tax free payment that is payable when you... Or sorry.\n\nIf you are diagnosed with a claimable event, which there... There's several different types, but they are specified and they range from cancer through to different types of cancer, from heart attack, stroke, and so on. Is that something that you'd be interested in receiving advice on? Yep. I can do that.\n\nI can send you through some information on that. Alright. The next document that we are going to look at if you press next is your performance within your hub twenty four account. So the portfolio itself is invested in an ethical portfolio due to your goal of wanting to be investing environmentally and socially ethical options. The portfolio itself in the last twelve months has not performed overly great.\n\nIt actually has returned a negative bigger... A negative return of one... Negative 1.17% after phase. Ask... What I went back and did is had a look at it from from inception, and it looks like from inception, the annualized return is about 4.26% per annum.\n\nSo being a high growth investor, which is what your risk profile is and how your fund is currently invested, it is it is lower than what we would typically predict for a high growth investment portfolio. But also, on the flip side, we do know that the ethical portfolios themselves do historically perform a little bit lower. Yeah. Exactly. So...\n\nMhmm. Look. Yes. Well, there's many, many different portfolios that we do operate within the group, and it's more so based on the risk profile. So for example, a high growth investor, we would typically expect to see an average rolling return of between eight to 10% per annum.\n\nAn ethical portfolio would would... Regardless of how it was invested across different risk profiles and allocation to growth assets would be significantly historically, performance wise, less than what we would typically see in a portfolio that has more diversification. So... Yep. Yeah.\n\nSo that's since that's since inception. So it is gonna sit. So for example, one that I looked at the other day for a client in a review, they were invested for a little bit longer. So their annualized return was over a longer period of time, but it's at about 9% per annum averaged out. So you are foregoing potential growth opportunities, but, I mean, that is...\n\nWhat I would say is if that's the approach that you'd like to take with your superannuation, is that the same approach you'd like to take with your investment portfolio, or would you be wanting to diversify your your future investment portfolio to be the opposite of what you have in superannuation? Mhmm. Mhmm. What are... And what are those?\n\nGive me some examples so I can have a look at those. Yeah. Yep. Yeah. Yeah.\n\nYeah. Absolutely. I completely understand that. Leave that with me, and I can look into that a little bit more. Because it might be that we can still have some alternative options that don't particularly have exposure to those types of activities.\n\nSo Yep. It does. It does make sense. Absolutely. Alright.\n\nI can certainly look at that and take... Make sure that's taken into consideration too when we're reviewing everything. So what I might do is have a... Is review your superannuation portfolio while I'm looking at... Once I receive your cash flow while I'm looking at a potential investment portfolio.\n\nSo it will it will depend... The timeline on me consolidating a lot of information will depend on how quickly you can get that cash flow form back to me. It's very simple and straightforward. It won't take you very long at all. The next document in the pack is our Vanguard index chart.\n\nSo that is a educational piece that I like to just talk through in relation to clients' risk profile. So yours, as I mentioned earlier, is a high growth. Those top four down the right hand side, US shares, Australian shares, international, and property, they are our growth shares. So as a high growth investor, we'd expect to see approximately 90% of your funds within the portfolio invested in that... Those...\n\nAcross those sectors with the remaining 10% in the bottom... The following two being bonds and cash. Is that something that you're still comfortable with? So... Yeah.\n\nOkay. Lovely. The next document across is the financial services guide. So that is our document that explains who we are, that we're authorized through ASIC or licensed through ASIC, the types of advice we provide and how we provide it, our fee structure, and if you are unhappy with any of the services, the complaints process. Yeah.\n\nThat's okay. Yes. We do. The next document is your ongoing service agreement. So this is the consent to continue charging a fee from your superannuation fund for our ongoing advice.\n\nSo that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum. So that's deducted monthly from your hub twenty four account. That that fee covers your reviews, so it will cover any changes I'm gonna look into your superannuation fund. It's... It will cover the regular...\n\nThe annual reviews that you have, and also you're not limited. So if you do want to ring up and, say, for example, start a sari sacrifice arrangement, then, you know, that's included as part of your ongoing fee. If we do look at investments as part of a recommendation, there will be an advice fee and an ongoing fee for that one. But I can give you more information on that when I've had a look at your cash flow to know where we sit with that and how that will work. And then the next document in this pack is the option to provide your tax file number.\n\nSo we do hold your tax file number on file, and we had that when we set up your superannuation fund. So this this form here is one that does require signing along with the OSA if you're con... If you're happy to continue being a client. And the TFN form just says that we... You're giving us authority to hold your tax phone number on file.\n\nAny questions so far? Yep. Of course. Absolutely fine. So my next steps here is I'm going to send you, most likely by close of business tomorrow, a summary of our chat via email, some information pieces, the budget sheet for you to complete.\n\nOnce I've received that budget spreadsheet back, I can then look at reviewing the superannuation portfolio, particularly the underlying investments, and seeing if we could look at any changes surrounding investment options, taking into consideration the the topics we discussed earlier, look at salary sacrifice, and also look at investment options. So I I feel like once I do get that cash flow back, there's a fair bit in there for me to look at, and it will probably take about three to four weeks to get an advice document together once the the cash flow document has been received. So I will reach out and keep you updated, but those are the next steps if you're happy with that. Mhmm. 100%.\n\nYep. Yeah. Mhmm. That's something you need to do with your... With a lawyer.\n\nWhat I'm going to do is in my email I'm sending to you, I'm going to send you a brochure for a professional partner that we use. They can do it remotely or virtually like we conduct our reviews. Their fees are quite reasonable, very reasonable, actually. And if you want to proceed, you just reach out to them. But so I'm gonna send you an email with some information for you to be able to to act upon.\n\nSo I'll I'll step that out for you in the email. It does. So in the email, I'll I will map that out. Yeah. I'll give you an indication.\n\nSo I won't be able... I can give you an indication of what it will be. And once I've received the cash flow and we... I kind of figure out what my recommendation's gonna be when we meet in three to four weeks' time, I'll actually be able to give you a document that says exactly what the fees are going to be, and you can then make an informed decision. But I can definitely give you a guide when I send through the information.\n\nAlright. Lovely. Well, thank you for your time today. It was lovely speaking with you. Yeah.\n\nYeah. Good. Good. I'm glad. So I'm more than happy to be your partner in that and help you work towards that.\n\nLovely. Yep. Yeah. Definitely. Definitely.\n\nThank you, and I'll speak with you soon. Okay. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":4.0,"end":4.72,"sentiment":"positive","sentiment_score":0.3581543564796448},{"text":"This is Jenniferning from Oakview Financial.","start":4.72,"end":7.06,"sentiment":"neutral","sentiment_score":0.24710705876350403},{"text":"How are you today?","start":7.2,"end":8.18,"sentiment":"neutral","sentiment_score":0.2550346106290817},{"text":"I'm well.","start":10.48,"end":11.04,"sentiment":"positive","sentiment_score":0.4101148992776871},{"text":"Thanks.","start":11.04,"end":11.44,"sentiment":"positive","sentiment_score":0.5999377369880676}],"sentiment":"neutral","sentiment_score":0.3092838029066722,"num_words":15,"start":4.0,"end":11.44},{"sentences":[{"text":"I'm well.","start":11.44,"end":12.0,"sentiment":"positive","sentiment_score":0.3841998875141144},{"text":"Just before I do go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":12.0,"end":17.605,"sentiment":"neutral","sentiment_score":0.031037489922406774},{"text":"Is that okay?","start":17.664999,"end":18.564999,"sentiment":"neutral","sentiment_score":0.0510661651690801},{"text":"Thank you.","start":20.865,"end":21.505,"sentiment":"positive","sentiment_score":0.39079947769641876},{"text":"And can I please ask you to confirm your full name, date of birth, and address, please?","start":21.505,"end":26.564999,"sentiment":"neutral","sentiment_score":0.031592427917263084}],"sentiment":"neutral","sentiment_score":0.06219100538874045,"num_words":48,"start":11.44,"end":26.564999},{"sentences":[{"text":"That's correct.","start":36.36,"end":37.16,"sentiment":"neutral","sentiment_score":0.029122933745384216},{"text":"Yeah.","start":37.16,"end":37.48,"sentiment":"neutral","sentiment_score":0.0036465460434556007},{"text":"Does that need to be updated at all?","start":37.48,"end":39.58,"sentiment":"neutral","sentiment_score":-0.021358011988922954},{"text":"Yep.","start":41.695,"end":42.195,"sentiment":"neutral","sentiment_score":0.011078596115112305},{"text":"Fantastic.","start":44.975,"end":45.475,"sentiment":"positive","sentiment_score":0.6104068756103516}],"sentiment":"neutral","sentiment_score":0.039424137642177254,"num_words":13,"start":36.36,"end":45.475},{"sentences":[{"text":"Lovely.","start":46.015,"end":46.515,"sentiment":"positive","sentiment_score":0.4879116415977478},{"text":"The purpose of my call today is to phone and go through our scheduled annual review.","start":47.535,"end":53.135,"sentiment":"neutral","sentiment_score":0.13440155214630067},{"text":"Do you still have time to complete that?","start":53.135,"end":55.38,"sentiment":"neutral","sentiment_score":0.03724131407216191},{"text":"Lovely.","start":65.14,"end":65.64,"sentiment":"neutral","sentiment_score":0.32930850982666016},{"text":"Thank you.","start":65.94,"end":66.76,"sentiment":"neutral","sentiment_score":0.30293019115924835}],"sentiment":"neutral","sentiment_score":0.13826556716646468,"num_words":28,"start":46.015,"end":66.76},{"sentences":[{"text":"Well, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review.","start":66.98,"end":79.125,"sentiment":"neutral","sentiment_score":0.0022227994344767034},{"text":"I can tell you exactly when it would have been.","start":89.36,"end":92.72,"sentiment":"neutral","sentiment_score":-0.05417025238275528},{"text":"It would have been July last year, actually.","start":92.72,"end":98.975,"sentiment":"neutral","sentiment_score":-0.037434417055919766},{"text":"July 2025.","start":98.975,"end":100.435005,"sentiment":"neutral","sentiment_score":-0.018128023482859135},{"text":"Yeah.","start":102.255005,"end":102.755005,"sentiment":"neutral","sentiment_score":-0.01470000296831131}],"sentiment":"neutral","sentiment_score":-0.013689280198285183,"num_words":59,"start":66.98,"end":102.755005},{"sentences":[{"text":"Yep.","start":112.175,"end":112.675,"sentiment":"neutral","sentiment_score":-0.013836733996868134},{"text":"Yes.","start":122.36,"end":122.68,"sentiment":"neutral","sentiment_score":0.0030413419008255005},{"text":"That's right.","start":122.68,"end":123.5,"sentiment":"neutral","sentiment_score":-0.0024995068088173866},{"text":"A m e s.","start":128.735,"end":130.11499,"sentiment":"neutral","sentiment_score":0.005897895083762705},{"text":"Yep.","start":132.17499,"end":132.415,"sentiment":"neutral","sentiment_score":0.02018892765045166}],"sentiment":"neutral","sentiment_score":0.003109566919091675,"num_words":9,"start":112.175,"end":132.415},{"sentences":[{"text":"Yeah.","start":132.415,"end":132.915,"sentiment":"neutral","sentiment_score":0.01742469146847725},{"text":"Yeah.","start":146.9,"end":147.4,"sentiment":"neutral","sentiment_score":0.008085787296295166},{"text":"Yeah.","start":154.73999,"end":155.23999,"sentiment":"neutral","sentiment_score":-0.023028211668133736},{"text":"Is that plus super?","start":162.855,"end":164.23499,"sentiment":"neutral","sentiment_score":-0.0020209811627864838},{"text":"So including.","start":166.69499,"end":167.59499,"sentiment":"neutral","sentiment_score":-0.01551080821081996}],"sentiment":"neutral","sentiment_score":-0.004069252664016353,"num_words":9,"start":132.415,"end":167.59499},{"sentences":[{"text":"Yep.","start":167.81499,"end":168.18,"sentiment":"neutral","sentiment_score":0.04014207422733307},{"text":"Yeah.","start":172.26,"end":172.76,"sentiment":"neutral","sentiment_score":0.017450813204050064},{"text":"Plus super.","start":172.9,"end":173.87999,"sentiment":"neutral","sentiment_score":0.03150757495313883},{"text":"Yeah.","start":174.42,"end":174.92,"sentiment":"neutral","sentiment_score":0.16330279409885406},{"text":"Lovely.","start":175.7,"end":176.2,"sentiment":"positive","sentiment_score":0.5725018978118896}],"sentiment":"neutral","sentiment_score":0.14273545487473407,"num_words":6,"start":167.81499,"end":176.2},{"sentences":[{"text":"Fantastic.","start":177.29999,"end":177.79999,"sentiment":"positive","sentiment_score":0.6398138403892517},{"text":"Any other...","start":178.34,"end":179.15999,"sentiment":"neutral","sentiment_score":0.23557762801647186},{"text":"So any other changes that are significant?","start":179.54,"end":183.81499,"sentiment":"neutral","sentiment_score":0.05183165626866477},{"text":"Yeah.","start":191.39499,"end":191.89499,"sentiment":"neutral","sentiment_score":0.012486742809414864},{"text":"Yeah.","start":201.32999,"end":201.82999,"sentiment":"neutral","sentiment_score":0.22562246024608612}],"sentiment":"neutral","sentiment_score":0.14265832444652915,"num_words":12,"start":177.29999,"end":201.82999},{"sentences":[{"text":"Congratulations.","start":202.84999,"end":203.34999,"sentiment":"positive","sentiment_score":0.3837328553199768},{"text":"Lovely.","start":215.965,"end":216.465,"sentiment":"positive","sentiment_score":0.4269090294837952},{"text":"Okay.","start":223.485,"end":223.985,"sentiment":"neutral","sentiment_score":0.0016482453793287275},{"text":"Yes.","start":233.87,"end":234.37,"sentiment":"neutral","sentiment_score":0.04711981117725372},{"text":"That's okay.","start":243.725,"end":244.525,"sentiment":"neutral","sentiment_score":0.13429265469312668}],"sentiment":"neutral","sentiment_score":0.18799920845776796,"num_words":6,"start":202.84999,"end":244.525},{"sentences":[{"text":"Well, what I can do is run through what we do have on file, and then anything that's different, you can you can give me an update.","start":244.525,"end":256.79,"sentiment":"neutral","sentiment_score":0.0678630889289909},{"text":"So we have your email address.","start":258.77,"end":263.43,"sentiment":"neutral","sentiment_score":0.02624304499477148},{"text":"Has that changed?","start":263.49,"end":264.55,"sentiment":"neutral","sentiment_score":0.02124940976500511},{"text":"Lovely.","start":268.265,"end":268.765,"sentiment":"neutral","sentiment_score":0.20500479638576508},{"text":"Do you have any dependents?","start":270.02502,"end":271.565,"sentiment":"neutral","sentiment_score":0.03936406895518303}],"sentiment":"neutral","sentiment_score":0.05846035813114473,"num_words":42,"start":244.525,"end":271.565},{"sentences":[{"text":"Yes?","start":276.505,"end":276.905,"sentiment":"neutral","sentiment_score":-0.03844429925084114},{"text":"Okay.","start":276.905,"end":277.32,"sentiment":"neutral","sentiment_score":-0.024711908772587776},{"text":"And I have your sister here, Nadia Franken, as your next of kin.","start":277.56,"end":284.28,"sentiment":"neutral","sentiment_score":0.049174851093154684},{"text":"Is that still correct?","start":284.28,"end":285.5,"sentiment":"neutral","sentiment_score":0.084114208817482},{"text":"Okay.","start":287.80002,"end":288.30002,"sentiment":"neutral","sentiment_score":0.04814913868904114}],"sentiment":"neutral","sentiment_score":0.04803614150732756,"num_words":20,"start":276.505,"end":288.30002},{"sentences":[{"text":"Now...","start":288.6,"end":289.08002,"sentiment":"neutral","sentiment_score":0.02002732828259468},{"text":"So with the director of strategy and projects, what would you say your job description or duties are?","start":289.08002,"end":296.04498,"sentiment":"neutral","sentiment_score":0.017001217903776303},{"text":"Yep.","start":302.825,"end":303.325,"sentiment":"neutral","sentiment_score":0.021067243069410324},{"text":"Yeah.","start":319.64,"end":320.025,"sentiment":"neutral","sentiment_score":-0.0471535250544548},{"text":"Yeah.","start":323.38498,"end":323.88498,"sentiment":"neutral","sentiment_score":0.021222781389951702}],"sentiment":"neutral","sentiment_score":0.014599352270703424,"num_words":22,"start":288.6,"end":323.88498},{"sentences":[{"text":"Yep.","start":337.24002,"end":337.74002,"sentiment":"neutral","sentiment_score":0.04579482227563858},{"text":"Mhmm.","start":343.48,"end":343.98,"sentiment":"neutral","sentiment_score":-0.0017929435707628727},{"text":"Yep.","start":350.57498,"end":351.07498,"sentiment":"neutral","sentiment_score":0.007599088363349438},{"text":"Okay.","start":358.41498,"end":358.91498,"sentiment":"neutral","sentiment_score":-0.037064287811517715},{"text":"I understand.","start":367.4,"end":368.14,"sentiment":"neutral","sentiment_score":-0.0018795449286699295}],"sentiment":"neutral","sentiment_score":0.0017962648998945951,"num_words":6,"start":337.24002,"end":368.14},{"sentences":[{"text":"So it's predominantly office space.","start":368.28,"end":370.46002,"sentiment":"neutral","sentiment_score":-0.005860957875847816},{"text":"Okay.","start":377.4,"end":377.9,"sentiment":"neutral","sentiment_score":0.03654107451438904},{"text":"Okay.","start":379.365,"end":379.865,"sentiment":"neutral","sentiment_score":0.04502231627702713},{"text":"I'm just gonna make a note of that.","start":384.405,"end":386.50497,"sentiment":"neutral","sentiment_score":0.07003854587674141},{"text":"Okay.","start":388.32498,"end":388.82498,"sentiment":"neutral","sentiment_score":0.03649258613586426}],"sentiment":"neutral","sentiment_score":0.04056622216012329,"num_words":16,"start":368.28,"end":388.82498},{"sentences":[{"text":"Now how long have you been with AIMS for?","start":388.965,"end":396.16,"sentiment":"neutral","sentiment_score":0.030232057803206973},{"text":"Okay.","start":401.90002,"end":402.40002,"sentiment":"neutral","sentiment_score":0.297651469707489},{"text":"That's great.","start":402.46002,"end":403.18002,"sentiment":"positive","sentiment_score":0.6585429608821869},{"text":"Congratulations on your upcoming anniversary.","start":403.18002,"end":405.36002,"sentiment":"positive","sentiment_score":0.7288237929344177},{"text":"Okay.","start":408.245,"end":408.565,"sentiment":"neutral","sentiment_score":0.07953890413045883}],"sentiment":"neutral","sentiment_score":0.31169354336129296,"num_words":18,"start":388.965,"end":408.565},{"sentences":[{"text":"So we've gone through your income.","start":408.565,"end":410.025,"sentiment":"neutral","sentiment_score":0.05689097878833612},{"text":"Previously, we had you saving about $300 per week.","start":410.805,"end":415.525,"sentiment":"neutral","sentiment_score":0.03272600637541877},{"text":"Do you think that is still correct?","start":415.525,"end":417.225,"sentiment":"neutral","sentiment_score":0.02016874828508922},{"text":"Yep.","start":433.07,"end":433.515,"sentiment":"neutral","sentiment_score":0.028737951070070267},{"text":"Yeah.","start":445.195,"end":445.695,"sentiment":"neutral","sentiment_score":0.03612510859966278}],"sentiment":"neutral","sentiment_score":0.03508017615725597,"num_words":24,"start":408.565,"end":445.695},{"sentences":[{"text":"No.","start":445.755,"end":445.99503,"sentiment":"neutral","sentiment_score":-0.013531450182199478},{"text":"That...","start":445.99503,"end":446.315,"sentiment":"neutral","sentiment_score":0.0013563409447669985},{"text":"I I understand that.","start":446.315,"end":447.355,"sentiment":"neutral","sentiment_score":0.05887505225837231},{"text":"That's absolutely fine.","start":447.355,"end":448.73502,"sentiment":"positive","sentiment_score":0.43153947591781616},{"text":"Do you have any idea what your expenditure would be per week?","start":449.15,"end":453.49,"sentiment":"neutral","sentiment_score":0.055012686643749475}],"sentiment":"neutral","sentiment_score":0.10371884606069043,"num_words":21,"start":445.755,"end":453.49},{"sentences":[{"text":"Okay.","start":465.895,"end":466.395,"sentiment":"neutral","sentiment_score":0.21996662020683289},{"text":"That's fine.","start":466.535,"end":467.515,"sentiment":"neutral","sentiment_score":0.3005688637495041},{"text":"Okay.","start":469.815,"end":470.295,"sentiment":"neutral","sentiment_score":0.15955205261707306},{"text":"Would you like me to send you through post our conversation, our cash flow budget document for you to complete?","start":470.295,"end":478.95502,"sentiment":"neutral","sentiment_score":0.16917174719274045},{"text":"And that way, we can help you stick to any plans that you make as...","start":479.84998,"end":486.66998,"sentiment":"neutral","sentiment_score":0.21842088301976523}],"sentiment":"neutral","sentiment_score":0.19590780998651797,"num_words":39,"start":465.895,"end":486.66998},{"sentences":[{"text":"Lovely.","start":488.33,"end":488.83,"sentiment":"positive","sentiment_score":0.5898565053939819},{"text":"Okay.","start":489.28998,"end":489.78998,"sentiment":"neutral","sentiment_score":0.2747213840484619},{"text":"Do you make any additional contributions to Super at the moment?","start":489.93,"end":493.185,"sentiment":"neutral","sentiment_score":0.12677482447840951},{"text":"Okay.","start":502.225,"end":502.725,"sentiment":"neutral","sentiment_score":-0.010101774707436562},{"text":"Do you just do them ad hoc when you...","start":505.185,"end":507.605,"sentiment":"neutral","sentiment_score":-0.011744032096531656}],"sentiment":"neutral","sentiment_score":0.09318708239690117,"num_words":23,"start":488.33,"end":507.605},{"sentences":[{"text":"Like, there's okay.","start":508.225,"end":516.92,"sentiment":"neutral","sentiment_score":-0.013583061285316944},{"text":"Did you wanna look at setting up any kind of salary sacrifice 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could...","start":548.745,"end":549.725,"sentiment":"neutral","sentiment_score":-0.007647814539571603},{"text":"Yeah.","start":549.78503,"end":550.105,"sentiment":"neutral","sentiment_score":0.05205351859331131}],"sentiment":"neutral","sentiment_score":-0.006434501947036811,"num_words":7,"start":537.48,"end":550.105},{"sentences":[{"text":"So that's something I can definitely have a look at for you and take that into consideration if you want me to look at that for you.","start":550.105,"end":556.28503,"sentiment":"neutral","sentiment_score":0.137102037254307},{"text":"Yep.","start":560.985,"end":561.485,"sentiment":"neutral","sentiment_score":-0.006661317311227322},{"text":"Yes.","start":566.83,"end":567.33,"sentiment":"neutral","sentiment_score":0.0729350596666336},{"text":"Yeah.","start":567.79,"end":568.11,"sentiment":"neutral","sentiment_score":0.18196478486061096},{"text":"It's gone up a little bit now, so you got a little bit more room to play 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12%?","start":634.715,"end":635.935,"sentiment":"neutral","sentiment_score":-0.0068061817437410355},{"text":"Yep.","start":637.59503,"end":638.075,"sentiment":"neutral","sentiment_score":0.07078395783901215},{"text":"Okay.","start":638.075,"end":638.575,"sentiment":"neutral","sentiment_score":0.04394561052322388}],"sentiment":"neutral","sentiment_score":0.02394020589068532,"num_words":25,"start":624.26,"end":638.575},{"sentences":[{"text":"So potentially getting a back pay of 8% from the beginning of this financial year?","start":638.955,"end":645.99,"sentiment":"neutral","sentiment_score":0.01679552420973778},{"text":"Okay.","start":655.11,"end":655.61,"sentiment":"neutral","sentiment_score":-0.017317557707428932},{"text":"Okay.","start":660.07,"end":660.57,"sentiment":"neutral","sentiment_score":0.05907147377729416},{"text":"And a potential pay rise of 20% over the next three years, did you say?","start":660.84503,"end":665.425,"sentiment":"neutral","sentiment_score":0.028393730521202087},{"text":"Four years.","start":669.085,"end":669.905,"sentiment":"neutral","sentiment_score":-0.008708711713552475}],"sentiment":"neutral","sentiment_score":0.020652215106084067,"num_words":34,"start":638.955,"end":669.905},{"sentences":[{"text":"Alright.","start":670.84503,"end":671.34503,"sentiment":"neutral","sentiment_score":0.19245485961437225},{"text":"That's okay.","start":671.405,"end":671.965,"sentiment":"neutral","sentiment_score":0.2866566330194473},{"text":"I'll just yep.","start":671.965,"end":680.48004,"sentiment":"neutral","sentiment_score":0.24146119256814322},{"text":"That's absolutely fine.","start":680.54004,"end":681.66003,"sentiment":"positive","sentiment_score":0.34331606949369115},{"text":"I'll just make a note of it just to make sure that if there's anything we need to check when we check...","start":681.66003,"end":687.26,"sentiment":"neutral","sentiment_score":0.07433842622082341}],"sentiment":"neutral","sentiment_score":0.13404984802248016,"num_words":31,"start":670.84503,"end":687.26},{"sentences":[{"text":"When we have a chat next that I update that.","start":687.26,"end":689.585,"sentiment":"neutral","sentiment_score":0.030710746720433234},{"text":"So I've just got a bit of information there.","start":689.585,"end":691.845,"sentiment":"neutral","sentiment_score":0.06326757495601971},{"text":"So the last time that you had a review, you were working with a mortgage broker to review and clean up your home loan.","start":694.305,"end":703.925,"sentiment":"neutral","sentiment_score":0.0832355694534878},{"text":"Did you...","start":704.84,"end":705.58,"sentiment":"neutral","sentiment_score":0.042081816121935844},{"text":"You 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correct?","start":775.94,"end":777.16003,"sentiment":"neutral","sentiment_score":0.010923747904598713}],"sentiment":"neutral","sentiment_score":0.0035794246095148,"num_words":22,"start":767.22003,"end":777.16003},{"sentences":[{"text":"Okay.","start":786.455,"end":786.955,"sentiment":"neutral","sentiment_score":-0.02955217845737934},{"text":"Mhmm.","start":796.81995,"end":797.31995,"sentiment":"neutral","sentiment_score":-0.025850597769021988},{"text":"Yep.","start":800.66,"end":801.16,"sentiment":"neutral","sentiment_score":-0.03544161096215248},{"text":"Yeah.","start":812.675,"end":813.175,"sentiment":"neutral","sentiment_score":-0.011456316336989405},{"text":"Yeah.","start":817.15497,"end":817.65497,"sentiment":"neutral","sentiment_score":-0.007423339411616325}],"sentiment":"neutral","sentiment_score":-0.02194480858743191,"num_words":5,"start":786.455,"end":817.65497},{"sentences":[{"text":"Yep.","start":821.81,"end":822.31,"sentiment":"neutral","sentiment_score":-0.009250572882592678},{"text":"Yep.","start":823.17,"end":823.67,"sentiment":"neutral","sentiment_score":0.000312369636958465},{"text":"Yep.","start":833.57,"end":833.805,"sentiment":"neutral","sentiment_score":-0.04527851194143295},{"text":"Mhmm.","start":838.365,"end":838.865,"sentiment":"neutral","sentiment_score":-0.07914131879806519},{"text":"Okay.","start":840.925,"end":841.325,"sentiment":"neutral","sentiment_score":-0.01841532811522484}],"sentiment":"neutral","sentiment_score":-0.03035467242007144,"num_words":5,"start":821.81,"end":841.325},{"sentences":[{"text":"So do you know if it was the mid 7 hundreds?","start":841.325,"end":844.225,"sentiment":"neutral","sentiment_score":-0.02769408104094592},{"text":"Do you recall?","start":844.285,"end":845.02496,"sentiment":"neutral","sentiment_score":-0.018310628831386566},{"text":"Oh, yeah.","start":847.96497,"end":848.64,"sentiment":"neutral","sentiment_score":-0.016289139166474342},{"text":"Oh, thank you.","start":852.72003,"end":853.7,"sentiment":"neutral","sentiment_score":0.0752641490350167},{"text":"Yeah.","start":854.32,"end":854.82,"sentiment":"positive","sentiment_score":0.39913463592529297}],"sentiment":"neutral","sentiment_score":0.011639101337641478,"num_words":20,"start":841.325,"end":854.82},{"sentences":[{"text":"That's wonderful.","start":855.2,"end":856.02,"sentiment":"positive","sentiment_score":0.6948553919792175},{"text":"Yeah.","start":881.74,"end":882.24,"sentiment":"neutral","sentiment_score":0.006459387019276619},{"text":"Yes.","start":885.66,"end":886.16,"sentiment":"neutral","sentiment_score":0.008879905566573143},{"text":"Yep.","start":899.835,"end":900.24,"sentiment":"neutral","sentiment_score":-0.011651063337922096},{"text":"Okay.","start":910.64,"end":911.14,"sentiment":"neutral","sentiment_score":-0.0015392592176795006}],"sentiment":"neutral","sentiment_score":0.23197662566478053,"num_words":6,"start":855.2,"end":911.14},{"sentences":[{"text":"So the investment property is 800,000 valued.","start":912.16,"end":915.735,"sentiment":"neutral","sentiment_score":-0.0051491050980985165},{"text":"The total loan is eight thirty two as...","start":915.795,"end":919.735,"sentiment":"neutral","sentiment_score":-0.011720303678885102},{"text":"And that's less the amount for the...","start":920.27496,"end":922.435,"sentiment":"neutral","sentiment_score":-0.022678684842373644},{"text":"Do I less the principal residence amount from that $8.32 or is that the 8 equity?","start":922.435,"end":937.67,"sentiment":"neutral","sentiment_score":-0.03332996740937233},{"text":"Yep.","start":938.20996,"end":938.70996,"sentiment":"neutral","sentiment_score":-0.021239742636680603}],"sentiment":"neutral","sentiment_score":-0.021617337953872405,"num_words":39,"start":912.16,"end":938.70996},{"sentences":[{"text":"Okay.","start":943.70496,"end":944.20496,"sentiment":"neutral","sentiment_score":-0.008827838115394115},{"text":"So your total debt is $8.32 plus a 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rate?","start":959.66,"end":963.04,"sentiment":"neutral","sentiment_score":-0.010981980012729764},{"text":"Yeah.","start":974.235,"end":974.735,"sentiment":"neutral","sentiment_score":-0.004444091580808163},{"text":"It might not be available on an app.","start":992.89,"end":994.97003,"sentiment":"neutral","sentiment_score":-0.2735222578048706}],"sentiment":"neutral","sentiment_score":-0.06727026528952752,"num_words":34,"start":954.105,"end":994.97003},{"sentences":[{"text":"It might be more so in the the web login.","start":994.97003,"end":997.87,"sentiment":"neutral","sentiment_score":-0.08292374908924102},{"text":"Yeah.","start":999.175,"end":999.675,"sentiment":"neutral","sentiment_score":-0.039288923144340515},{"text":"That's okay.","start":1001.735,"end":1002.555,"sentiment":"neutral","sentiment_score":-0.048452697694301605},{"text":"Okay.","start":1006.055,"end":1006.535,"sentiment":"neutral","sentiment_score":0.02450114488601685},{"text":"That's 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correct?","start":1191.105,"end":1191.925,"sentiment":"neutral","sentiment_score":-0.018092567722002666}],"sentiment":"neutral","sentiment_score":0.03155182584305294,"num_words":24,"start":1182.67,"end":1191.925},{"sentences":[{"text":"Lovely.","start":1195.505,"end":1195.985,"sentiment":"neutral","sentiment_score":0.18206770718097687},{"text":"And do you have private health insurance?","start":1195.985,"end":1197.845,"sentiment":"neutral","sentiment_score":0.04751378351024219},{"text":"Who's that with?","start":1199.69,"end":1200.59,"sentiment":"neutral","sentiment_score":0.0012318130272130172},{"text":"A h m?","start":1204.17,"end":1205.23,"sentiment":"neutral","sentiment_score":0.003981067178150018},{"text":"Alright.","start":1205.77,"end":1206.27,"sentiment":"neutral","sentiment_score":0.037844251841306686}],"sentiment":"neutral","sentiment_score":0.037876472280671196,"num_words":15,"start":1195.505,"end":1206.27},{"sentences":[{"text":"And do you...","start":1206.89,"end":1208.09,"sentiment":"neutral","sentiment_score":0.010838165258367857},{"text":"Have you arranged your will or power of attorney yet?","start":1208.09,"end":1211.39,"sentiment":"neutral","sentiment_score":0.002567777968943119},{"text":"Yes.","start":1215.475,"end":1215.975,"sentiment":"neutral","sentiment_score":0.10483230650424956},{"text":"Yes.","start":1217.1549,"end":1217.6549,"sentiment":"neutral","sentiment_score":0.11744453012943268},{"text":"I...","start":1218.835,"end":1219.1549,"sentiment":"neutral","sentiment_score":0.13032063841819763}],"sentiment":"neutral","sentiment_score":0.025674359407275915,"num_words":16,"start":1206.89,"end":1219.1549},{"sentences":[{"text":"I'll definitely chat with you about that.","start":1219.1549,"end":1221.255,"sentiment":"neutral","sentiment_score":0.23249736641134536},{"text":"So if I go back up to the top of my page here, what I'm gonna do is talk through what we had here as your goals and objectives when you last spoke with your review.","start":1221.5549,"end":1234.6699,"sentiment":"neutral","sentiment_score":0.1554694130188889},{"text":"So what I'm gonna do is we're gonna revisit those, remove anything that's not applicable or that you've achieved, and then add in add in anything new.","start":1234.6699,"end":1244.255,"sentiment":"neutral","sentiment_score":-0.03614213207253703},{"text":"So your main goal at that time was to build and develop your property portfolio to the point where you have one property in each state and then look at maybe buying properties overseas.","start":1246.3151,"end":1258.56,"sentiment":"positive","sentiment_score":0.5390455188120112},{"text":"Is that still something you are wanting?","start":1259.02,"end":1262.08,"sentiment":"neutral","sentiment_score":0.22266763980899537}],"sentiment":"neutral","sentiment_score":0.23544832419704748,"num_words":111,"start":1219.1549,"end":1262.08},{"sentences":[{"text":"Oh, okay.","start":1268.9249,"end":1269.825,"sentiment":"neutral","sentiment_score":0.1802562028169632},{"text":"Yep.","start":1273.005,"end":1273.505,"sentiment":"positive","sentiment_score":0.3695245683193207},{"text":"Oh, yeah.","start":1280.48,"end":1280.8,"sentiment":"neutral","sentiment_score":0.07416430860757828},{"text":"Where...","start":1280.8,"end":1281.04,"sentiment":"neutral","sentiment_score":0.03996120020747185},{"text":"In which which countries are you thinking?","start":1281.04,"end":1283.3,"sentiment":"neutral","sentiment_score":0.06094641610980034}],"sentiment":"neutral","sentiment_score":0.10345782339572906,"num_words":13,"start":1268.9249,"end":1283.3},{"sentences":[{"text":"Yep.","start":1289.4401,"end":1289.9401,"sentiment":"neutral","sentiment_score":0.14696955680847168},{"text":"Yep.","start":1294.48,"end":1294.905,"sentiment":"neutral","sentiment_score":0.12896206974983215},{"text":"Okay.","start":1308.5851,"end":1308.99,"sentiment":"neutral","sentiment_score":0.1692093014717102},{"text":"And what kind of time frame are you think...","start":1314.99,"end":1317.33,"sentiment":"neutral","sentiment_score":0.0889767896797922},{"text":"Are you wanting to achieve that in?","start":1317.39,"end":1319.41,"sentiment":"neutral","sentiment_score":0.10437108682734626}],"sentiment":"neutral","sentiment_score":0.10402787594418776,"num_words":19,"start":1289.4401,"end":1319.41},{"sentences":[{"text":"Okay.","start":1330.045,"end":1330.545,"sentiment":"neutral","sentiment_score":0.012032490223646164},{"text":"Yeah.","start":1336.525,"end":1336.89,"sentiment":"neutral","sentiment_score":0.05797499418258667},{"text":"Yep.","start":1342.73,"end":1343.23,"sentiment":"neutral","sentiment_score":0.11316072940826416},{"text":"Yep.","start":1350.09,"end":1350.345,"sentiment":"neutral","sentiment_score":0.1521468460559845},{"text":"Okay.","start":1357.625,"end":1358.125,"sentiment":"neutral","sentiment_score":0.15626642107963562}],"sentiment":"neutral","sentiment_score":0.09831629619002343,"num_words":5,"start":1330.045,"end":1358.125},{"sentences":[{"text":"Okay.","start":1358.345,"end":1358.845,"sentiment":"neutral","sentiment_score":0.13082855939865112},{"text":"So the properties overseas down the track, Malaysia, Thailand, US, would you rent those out when you weren't there?","start":1359.625,"end":1368.09,"sentiment":"neutral","sentiment_score":0.14676819035881444},{"text":"Yep.","start":1387.125,"end":1387.5,"sentiment":"neutral","sentiment_score":0.2494763433933258},{"text":"Yep.","start":1388.14,"end":1388.64,"sentiment":"neutral","sentiment_score":0.18297052383422852},{"text":"Mhmm.","start":1398.06,"end":1398.56,"sentiment":"neutral","sentiment_score":0.11480370163917542}],"sentiment":"neutral","sentiment_score":0.15072498891664587,"num_words":23,"start":1358.345,"end":1398.56},{"sentences":[{"text":"Mhmm.","start":1402.94,"end":1403.355,"sentiment":"neutral","sentiment_score":0.1728273183107376},{"text":"Okay.","start":1406.475,"end":1406.975,"sentiment":"positive","sentiment_score":0.5835506916046143},{"text":"Lovely.","start":1407.595,"end":1408.095,"sentiment":"positive","sentiment_score":0.7158482670783997},{"text":"I think the next goal is what you're talking about before with building your wealth and diversifying your portfolio and look at different investment options, so outside of super, so investment accounts or bonds.","start":1409.355,"end":1420.7101,"sentiment":"neutral","sentiment_score":0.2951581622747814},{"text":"Is that something that you're still wanting to do?","start":1420.7101,"end":1423.2101,"sentiment":"neutral","sentiment_score":0.14594211512141758}],"sentiment":"neutral","sentiment_score":0.2787191919658495,"num_words":46,"start":1402.94,"end":1423.2101},{"sentences":[{"text":"Yep.","start":1426.55,"end":1427.05,"sentiment":"neutral","sentiment_score":0.13709565997123718},{"text":"That's alright.","start":1433.765,"end":1434.3251,"sentiment":"neutral","sentiment_score":0.1624276340007782},{"text":"We all have our strengths.","start":1434.3251,"end":1435.545,"sentiment":"neutral","sentiment_score":0.14120337665081023},{"text":"Okay.","start":1437.125,"end":1437.525,"sentiment":"neutral","sentiment_score":0.07438386976718903},{"text":"So if you were...","start":1437.525,"end":1438.745,"sentiment":"neutral","sentiment_score":0.03469026042148471}],"sentiment":"neutral","sentiment_score":0.10623944020615174,"num_words":13,"start":1426.55,"end":1438.745},{"sentences":[{"text":"What it...","start":1439.2051,"end":1439.685,"sentiment":"neutral","sentiment_score":-0.0010295766405761242},{"text":"What would be the end what would be the purpose of this?","start":1439.685,"end":1444.13,"sentiment":"neutral","sentiment_score":0.015520002382496992},{"text":"Is it to facilitate an earlier retirement?","start":1444.13,"end":1447.03,"sentiment":"neutral","sentiment_score":0.1138574837573937},{"text":"Is it to supplement superannuation retirement income to allow you more income?","start":1447.7301,"end":1454.29,"sentiment":"neutral","sentiment_score":0.1426423080265522},{"text":"What would be the the overage?","start":1454.29,"end":1456.87,"sentiment":"neutral","sentiment_score":0.03453185843924681}],"sentiment":"neutral","sentiment_score":0.07436107970678653,"num_words":39,"start":1439.2051,"end":1456.87},{"sentences":[{"text":"Yep.","start":1473.6001,"end":1474.1001,"sentiment":"neutral","sentiment_score":0.11603286862373352},{"text":"Yep.","start":1476.16,"end":1476.66,"sentiment":"neutral","sentiment_score":0.28784605860710144},{"text":"Yep.","start":1481.8401,"end":1482.3401,"sentiment":"positive","sentiment_score":0.3847600221633911},{"text":"Yep.","start":1491.5349,"end":1492.0349,"sentiment":"positive","sentiment_score":0.5355755090713501},{"text":"Okay.","start":1499.65,"end":1500.15,"sentiment":"neutral","sentiment_score":0.32562166452407837}],"sentiment":"neutral","sentiment_score":0.32996722459793093,"num_words":5,"start":1473.6001,"end":1500.15},{"sentences":[{"text":"So if we're looking at that, there's a couple of different options that are running through my 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investing?","start":1515.655,"end":1521.4349,"sentiment":"neutral","sentiment_score":0.09864626489579678},{"text":"Yep.","start":1528.215,"end":1528.5,"sentiment":"neutral","sentiment_score":0.048890016973018646}],"sentiment":"neutral","sentiment_score":0.1841161919927055,"num_words":66,"start":1500.29,"end":1528.5},{"sentences":[{"text":"Yep.","start":1536.98,"end":1537.48,"sentiment":"neutral","sentiment_score":0.10414307564496994},{"text":"Mhmm.","start":1543.78,"end":1544.205,"sentiment":"neutral","sentiment_score":0.17099380493164062},{"text":"Mhmm.","start":1569.9,"end":1570.275,"sentiment":"neutral","sentiment_score":0.07729847729206085},{"text":"Yep.","start":1572.1951,"end":1572.6951,"sentiment":"neutral","sentiment_score":0.27152711153030396},{"text":"It does.","start":1572.995,"end":1573.555,"sentiment":"positive","sentiment_score":0.35187622904777527}],"sentiment":"neutral","sentiment_score":0.22128582124908766,"num_words":6,"start":1536.98,"end":1573.555},{"sentences":[{"text":"It does.","start":1573.555,"end":1574.275,"sentiment":"positive","sentiment_score":0.35152482986450195},{"text":"So based on that and your cash flow, we'll we'll get you to complete that cash flow budget tool.","start":1574.275,"end":1581.395,"sentiment":"neutral","sentiment_score":0.2546514586398476},{"text":"But what are you thinking you'd be comfortable with making a regular contribution and amount?","start":1581.395,"end":1586.25,"sentiment":"neutral","sentiment_score":0.1069978063305219},{"text":"Would it be...","start":1586.25,"end":1586.73,"sentiment":"neutral","sentiment_score":0.040740640833973885},{"text":"How much per month do you think you would want to contribute to that for me to be able to look at?","start":1586.73,"end":1592.83,"sentiment":"neutral","sentiment_score":0.06878081878477876}],"sentiment":"neutral","sentiment_score":0.14396384269854084,"num_words":61,"start":1573.555,"end":1592.83},{"sentences":[{"text":"Yep.","start":1611.795,"end":1612.275,"sentiment":"neutral","sentiment_score":0.13485318422317505},{"text":"Yep.","start":1612.275,"end":1612.68,"sentiment":"neutral","sentiment_score":-0.15094490349292755},{"text":"That's it.","start":1617.16,"end":1617.64,"sentiment":"neutral","sentiment_score":-0.10130464658141136},{"text":"Yep.","start":1617.64,"end":1618.14,"sentiment":"neutral","sentiment_score":-0.0027622575871646404},{"text":"Yep.","start":1618.8401,"end":1619.3401,"sentiment":"neutral","sentiment_score":0.02228773757815361}],"sentiment":"neutral","sentiment_score":-0.03319592207359771,"num_words":6,"start":1611.795,"end":1619.3401},{"sentences":[{"text":"Mhmm.","start":1620.12,"end":1620.62,"sentiment":"neutral","sentiment_score":0.0011283247731626034},{"text":"Yes.","start":1634.9349,"end":1635.4349,"sentiment":"neutral","sentiment_score":0.08334224671125412},{"text":"Yes.","start":1642.3099,"end":1642.8099,"sentiment":"neutral","sentiment_score":0.2275732457637787},{"text":"Yes.","start":1645.59,"end":1646.09,"sentiment":"neutral","sentiment_score":0.12264570593833923},{"text":"Absolutely.","start":1667.97,"end":1668.47,"sentiment":"positive","sentiment_score":0.6250017881393433}],"sentiment":"neutral","sentiment_score":0.2119382622651756,"num_words":5,"start":1620.12,"end":1668.47},{"sentences":[{"text":"I can definitely help you facilitate a plan and work with you to hold you accountable to achieving the goals that you wanna achieve.","start":1668.61,"end":1678.93,"sentiment":"positive","sentiment_score":0.7126127580801646},{"text":"So that's definitely my job.","start":1678.93,"end":1680.37,"sentiment":"positive","sentiment_score":0.6524462103843689},{"text":"So that's something that I can definitely help you work towards.","start":1680.37,"end":1683.725,"sentiment":"positive","sentiment_score":0.7093808488412336},{"text":"Okay.","start":1686.345,"end":1686.845,"sentiment":"neutral","sentiment_score":0.221637099981308},{"text":"Alright.","start":1687.065,"end":1687.385,"sentiment":"neutral","sentiment_score":0.22995895147323608}],"sentiment":"positive","sentiment_score":0.6814219674893788,"num_words":42,"start":1668.61,"end":1687.385},{"sentences":[{"text":"So what we might do is we'll wait till you complete that cash flow budget tool for me, and then I can have a look at that.","start":1687.385,"end":1694.285,"sentiment":"neutral","sentiment_score":0.17987672487894693},{"text":"The next goal was that you're gonna continue to...","start":1695.96,"end":1698.04,"sentiment":"neutral","sentiment_score":0.04961948634849654},{"text":"You would like to do a couple of trips overseas in the next twelve months to Nepal, China, Vietnam, and other places in Asia in April.","start":1698.04,"end":1707.4349,"sentiment":"neutral","sentiment_score":0.12452249630139424},{"text":"Are you wishing to continue to travel?","start":1707.4349,"end":1709.595,"sentiment":"neutral","sentiment_score":0.05984046044094222},{"text":"I know that you said you do a lot of 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course.","start":1769.375,"end":1770.1151,"sentiment":"neutral","sentiment_score":0.01956606563180685},{"text":"No worries at all.","start":1770.255,"end":1771.4751,"sentiment":"neutral","sentiment_score":0.037998488172888756},{"text":"You said that you wanted to do an in-depth review of your insurances as you feel like you don't have appropriate covers in place if something was to happen to you.","start":1773.0599,"end":1781.5599,"sentiment":"neutral","sentiment_score":-0.11090539588082221}],"sentiment":"neutral","sentiment_score":-0.07992742253610721,"num_words":39,"start":1737.105,"end":1781.5599},{"sentences":[{"text":"Now I note that you do have insurance in your superannuation 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to.","start":1810.27,"end":1815.255,"sentiment":"neutral","sentiment_score":0.05476424967249235},{"text":"Yep.","start":1826.115,"end":1826.4,"sentiment":"neutral","sentiment_score":0.15296116471290588},{"text":"Lovely.","start":1830.0,"end":1830.48,"sentiment":"positive","sentiment_score":0.4345913529396057},{"text":"Alright.","start":1830.48,"end":1830.8,"sentiment":"neutral","sentiment_score":0.15909406542778015},{"text":"Well, that's something that may...","start":1830.8,"end":1832.0,"sentiment":"neutral","sentiment_score":0.06462912857532502}],"sentiment":"neutral","sentiment_score":0.08222852048018704,"num_words":23,"start":1810.27,"end":1832.0},{"sentences":[{"text":"We can start looking at for you as well.","start":1832.0,"end":1834.66,"sentiment":"neutral","sentiment_score":0.0633337799873617},{"text":"Your broker, you've done that.","start":1839.645,"end":1841.505,"sentiment":"neutral","sentiment_score":0.051682601869106296},{"text":"Retirement, you looked at...","start":1842.125,"end":1843.9651,"sentiment":"neutral","sentiment_score":0.01386674353852868},{"text":"We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week.","start":1843.9651,"end":1854.66,"sentiment":"neutral","sentiment_score":0.06154920593384774},{"text":"Is that still current?","start":1854.66,"end":1856.28,"sentiment":"neutral","sentiment_score":0.0472946772351861}],"sentiment":"neutral","sentiment_score":0.056246945212753315,"num_words":53,"start":1832.0,"end":1856.28},{"sentences":[{"text":"I I I understand.","start":1866.535,"end":1868.315,"sentiment":"neutral","sentiment_score":-0.05341026093810797},{"text":"I understand.","start":1868.375,"end":1869.115,"sentiment":"neutral","sentiment_score":-0.028248371556401253},{"text":"Alright.","start":1869.575,"end":1870.075,"sentiment":"neutral","sentiment_score":0.008034320548176765},{"text":"Okay.","start":1870.375,"end":1870.855,"sentiment":"neutral","sentiment_score":0.043693024665117264},{"text":"So what I'm going to do...","start":1870.855,"end":1872.695,"sentiment":"neutral","sentiment_score":0.0165153198565046}],"sentiment":"neutral","sentiment_score":-0.008522751608065196,"num_words":14,"start":1866.535,"end":1872.695},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":1872.695,"end":1875.195,"sentiment":"neutral","sentiment_score":-0.018288535252213477},{"text":"Okay.","start":1877.175,"end":1877.675,"sentiment":"neutral","sentiment_score":0.17467644810676575},{"text":"I'm gonna shoot you through an email.","start":1877.735,"end":1879.755,"sentiment":"neutral","sentiment_score":0.2162123258624758},{"text":"What it will have attached to it is your review pack.","start":1880.76,"end":1884.86,"sentiment":"neutral","sentiment_score":0.21382936157963492},{"text":"So it is...","start":1885.56,"end":1887.26,"sentiment":"neutral","sentiment_score":0.1431539605061213}],"sentiment":"neutral","sentiment_score":0.13396444485988468,"num_words":32,"start":1872.695,"end":1887.26},{"sentences":[{"text":"I'm just bringing it up now to send through.","start":1887.3201,"end":1890.62,"sentiment":"neutral","sentiment_score":0.19163887037171257},{"text":"So it will come through from OdooSign.","start":1891.0,"end":1893.1,"sentiment":"neutral","sentiment_score":0.27992489082472666},{"text":"And what you do is when you open the email, there'll be an option where you say it says click here to sign or sign here.","start":1894.715,"end":1904.495,"sentiment":"neutral","sentiment_score":0.08124272611278754},{"text":"If you open that document up, click on that note.","start":1904.795,"end":1907.75,"sentiment":"neutral","sentiment_score":0.029427420347929},{"text":"It's gonna open some documents.","start":1907.75,"end":1909.19,"sentiment":"neutral","sentiment_score":-0.023213663697242738}],"sentiment":"neutral","sentiment_score":0.10482001461480793,"num_words":57,"start":1887.3201,"end":1909.19},{"sentences":[{"text":"You're not signing anything at the moment.","start":1909.19,"end":1911.21,"sentiment":"negative","sentiment_score":-0.46159936274800983},{"text":"We're just gonna talk through the review first of all.","start":1911.51,"end":1915.61,"sentiment":"neutral","sentiment_score":-0.06055875420570374},{"text":"That's me.","start":1923.785,"end":1926.8451,"sentiment":"neutral","sentiment_score":-0.00504605146124959},{"text":"Yeah.","start":1928.905,"end":1929.405,"sentiment":"neutral","sentiment_score":0.052550170570611954},{"text":"So let me know when you got those open.","start":1931.4651,"end":1933.3251,"sentiment":"neutral","sentiment_score":0.0536744859483507}],"sentiment":"neutral","sentiment_score":-0.11418119448654611,"num_words":29,"start":1909.19,"end":1933.3251},{"sentences":[{"text":"Summary of super.","start":1945.56,"end":1946.78,"sentiment":"neutral","sentiment_score":0.031204578777154286},{"text":"Yep.","start":1946.92,"end":1947.255,"sentiment":"neutral","sentiment_score":0.0446992926299572},{"text":"Yep.","start":1947.495,"end":1947.735,"sentiment":"neutral","sentiment_score":0.0754980742931366},{"text":"Yep.","start":1947.735,"end":1948.235,"sentiment":"neutral","sentiment_score":0.0921955555677414},{"text":"So this is just a couple page for you.","start":1948.535,"end":1950.535,"sentiment":"neutral","sentiment_score":0.10985593994458516}],"sentiment":"neutral","sentiment_score":0.08631400788823763,"num_words":15,"start":1945.56,"end":1950.535},{"sentences":[{"text":"It's just a summary of where this...","start":1950.535,"end":1952.615,"sentiment":"neutral","sentiment_score":0.04890031207885061},{"text":"Where your super and insurance is held.","start":1952.615,"end":1955.515,"sentiment":"neutral","sentiment_score":0.006306161837918418},{"text":"With HUB 24, a balance is sitting at about 252,422, And you've got group insurance, of life and TPD insurance of a $178,808 and income protection of $3,342 per month with a ninety day waiting period and a two year benefit period.","start":1956.055,"end":1979.7849,"sentiment":"neutral","sentiment_score":0.046169219893359},{"text":"The...","start":1980.965,"end":1981.465,"sentiment":"neutral","sentiment_score":-0.016429796814918518},{"text":"Looking at insurance, if something was to happen to you from...","start":1983.125,"end":1991.48,"sentiment":"neutral","sentiment_score":-0.10935515774921938}],"sentiment":"neutral","sentiment_score":0.01626788266003132,"num_words":68,"start":1950.535,"end":1991.48},{"sentences":[{"text":"We'll use yesterday as an example from a...","start":1991.48,"end":1995.66,"sentiment":"neutral","sentiment_score":-0.02590520982630551},{"text":"And you passed away, how...","start":1996.12,"end":1998.2999,"sentiment":"neutral","sentiment_score":-0.10868128687143326},{"text":"What is it that you're wanting to achieve in respect to having a life insurance policy?","start":1998.76,"end":2003.915,"sentiment":"neutral","sentiment_score":0.11909262172412127},{"text":"Who are your beneficiaries?","start":2004.775,"end":2005.8351,"sentiment":"neutral","sentiment_score":-0.022586758248507977},{"text":"Do you want debt to be repaid?","start":2006.2151,"end":2008.9551,"sentiment":"neutral","sentiment_score":-0.11046105942555837}],"sentiment":"neutral","sentiment_score":0.007281484641134739,"num_words":40,"start":1991.48,"end":2008.9551},{"sentences":[{"text":"What is what is it that you're wanting to achieve?","start":2009.8151,"end":2013.755,"sentiment":"neutral","sentiment_score":0.1427471771836281},{"text":"Mhmm.","start":2029.4299,"end":2029.9299,"sentiment":"neutral","sentiment_score":0.0147282462567091},{"text":"Mhmm.","start":2039.725,"end":2040.225,"sentiment":"neutral","sentiment_score":0.02582698315382004},{"text":"Yep.","start":2042.2849,"end":2042.58,"sentiment":"neutral","sentiment_score":0.0732380747795105},{"text":"Mhmm.","start":2052.42,"end":2052.92,"sentiment":"neutral","sentiment_score":0.04569857195019722}],"sentiment":"neutral","sentiment_score":0.11335454628403697,"num_words":14,"start":2009.8151,"end":2052.92},{"sentences":[{"text":"Yep.","start":2058.0999,"end":2058.435,"sentiment":"neutral","sentiment_score":-0.03932865336537361},{"text":"Mhmm.","start":2079.21,"end":2079.2898,"sentiment":"neutral","sentiment_score":-0.0089490357786417},{"text":"Yep.","start":2079.2898,"end":2079.7898,"sentiment":"neutral","sentiment_score":0.012739564292132854},{"text":"Mhmm.","start":2082.5698,"end":2083.0698,"sentiment":"neutral","sentiment_score":0.002095315605401993},{"text":"Yeah.","start":2097.7852,"end":2098.2852,"sentiment":"neutral","sentiment_score":-0.020231598988175392}],"sentiment":"neutral","sentiment_score":-0.010734881646931172,"num_words":5,"start":2058.0999,"end":2098.2852},{"sentences":[{"text":"Mhmm.","start":2113.88,"end":2114.265,"sentiment":"neutral","sentiment_score":0.01327783800661564},{"text":"Yeah.","start":2122.9048,"end":2123.2249,"sentiment":"neutral","sentiment_score":0.04263147711753845},{"text":"Yeah.","start":2123.2249,"end":2123.545,"sentiment":"neutral","sentiment_score":0.06080587953329086},{"text":"It does.","start":2123.545,"end":2124.2048,"sentiment":"neutral","sentiment_score":0.08322773315012455},{"text":"So, essentially, in the event of some...","start":2124.4248,"end":2128.4248,"sentiment":"neutral","sentiment_score":-0.009120761416852474}],"sentiment":"neutral","sentiment_score":0.01827711091997723,"num_words":12,"start":2113.88,"end":2128.4248},{"sentences":[{"text":"Of you passing away, you would simply expect that the estate...","start":2128.4248,"end":2133.4202,"sentiment":"neutral","sentiment_score":-0.06813502921299501},{"text":"The assets be sold and debts repaid and then debt to be divided amongst your beneficiaries.","start":2133.4802,"end":2139.26,"sentiment":"neutral","sentiment_score":-0.025853357336018234},{"text":"Is that correct?","start":2139.4802,"end":2140.3,"sentiment":"neutral","sentiment_score":0.015634093433618546},{"text":"Yep.","start":2142.52,"end":2142.885,"sentiment":"neutral","sentiment_score":0.2464817762374878},{"text":"Lovely.","start":2143.125,"end":2143.625,"sentiment":"positive","sentiment_score":0.47647011280059814}],"sentiment":"neutral","sentiment_score":-0.012290152168134227,"num_words":32,"start":2128.4248,"end":2143.625},{"sentences":[{"text":"Okay.","start":2143.845,"end":2144.345,"sentiment":"neutral","sentiment_score":0.3108278214931488},{"text":"So that's easy for me to go and review.","start":2145.045,"end":2148.185,"sentiment":"neutral","sentiment_score":0.319308082262675},{"text":"The income protection income protection income protection is where you are unable to work due to injury or illness, and there is what we call a waiting period and a benefit period.","start":2150.085,"end":2173.505,"sentiment":"neutral","sentiment_score":-0.09102356835501269},{"text":"So the waiting period is the number of days you need to wait before you are eligible to claim, and the benefit period is how long you are entitled to make a...","start":2173.505,"end":2185.66,"sentiment":"neutral","sentiment_score":0.002965872670756653},{"text":"Receive a claim payment based on the severity of your injury or illness.","start":2185.66,"end":2190.24,"sentiment":"neutral","sentiment_score":-0.041688680075682126}],"sentiment":"neutral","sentiment_score":-0.0020137763335958295,"num_words":87,"start":2143.845,"end":2190.24},{"sentences":[{"text":"So typically with income protection, we see up to 70% of your gross taxable income being insured and the waiting period and benefit period varying depend on the depending on the individual client.","start":2190.3,"end":2205.1348,"sentiment":"neutral","sentiment_score":-0.019649447308796825},{"text":"So for yourself with a waiting period looking at your assets and liability...","start":2205.6748,"end":2212.62,"sentiment":"neutral","sentiment_score":-0.017803042410657957},{"text":"Your assets and access to cash, it looks like you could probably go a little bit longer of a waiting period than thirty days.","start":2213.0,"end":2220.62,"sentiment":"neutral","sentiment_score":-0.12004176589349906},{"text":"You could probably go...","start":2221.0,"end":2222.38,"sentiment":"neutral","sentiment_score":-0.05247233435511589},{"text":"Depending on your comfort level, anywhere between the sixty to ninety day wait.","start":2223.665,"end":2227.685,"sentiment":"neutral","sentiment_score":-0.04299553053883406}],"sentiment":"neutral","sentiment_score":-0.052065573889633704,"num_words":87,"start":2190.3,"end":2227.685},{"sentences":[{"text":"It is entirely up to you.","start":2227.825,"end":2229.605,"sentiment":"neutral","sentiment_score":0.25511866559584934},{"text":"Yep.","start":2234.4648,"end":2234.9648,"sentiment":"neutral","sentiment_score":0.13718776404857635},{"text":"Okay.","start":2237.7449,"end":2238.2449,"sentiment":"neutral","sentiment_score":0.1808066219091415},{"text":"Mhmm.","start":2244.59,"end":2245.09,"sentiment":"neutral","sentiment_score":-0.022024154663085938},{"text":"Okay.","start":2264.105,"end":2264.605,"sentiment":"neutral","sentiment_score":0.01569288969039917}],"sentiment":"neutral","sentiment_score":0.18423751145601272,"num_words":10,"start":2227.825,"end":2264.605},{"sentences":[{"text":"Alright.","start":2267.74,"end":2268.06,"sentiment":"neutral","sentiment_score":0.0573168508708477},{"text":"Leave that with me.","start":2268.06,"end":2269.26,"sentiment":"neutral","sentiment_score":0.03842386230826378},{"text":"I'll have a I'll have a look at that because we definitely wanna make sure that your expenses are covered.","start":2269.26,"end":2275.9001,"sentiment":"neutral","sentiment_score":0.14249101132154465},{"text":"So that that cash flow tool will also help us in formulating a recommendation.","start":2275.9001,"end":2283.5051,"sentiment":"neutral","sentiment_score":0.15676670308623994},{"text":"The remaining policy...","start":2286.6052,"end":2288.225,"sentiment":"neutral","sentiment_score":-0.0065536970893541975}],"sentiment":"neutral","sentiment_score":0.1246644113922403,"num_words":42,"start":2267.74,"end":2288.225},{"sentences":[{"text":"Type of policy there is is trauma insurance.","start":2288.2852,"end":2290.465,"sentiment":"neutral","sentiment_score":-0.03279963135719299},{"text":"What that is is it's paid from your super...","start":2290.7651,"end":2295.99,"sentiment":"neutral","sentiment_score":-0.0039318701148860985},{"text":"And it's not paid from your superannuation fund.","start":2296.13,"end":2298.5298,"sentiment":"neutral","sentiment_score":-0.014425034052692354},{"text":"It is paid from your individual cash flow, and it's a tax free payment that is payable when you...","start":2298.5298,"end":2310.5151,"sentiment":"neutral","sentiment_score":0.04930869411481054},{"text":"Or sorry.","start":2310.575,"end":2311.235,"sentiment":"neutral","sentiment_score":-0.0400958526879549}],"sentiment":"neutral","sentiment_score":0.009641072358531148,"num_words":46,"start":2288.2852,"end":2311.235},{"sentences":[{"text":"If you are diagnosed with a claimable event, which there...","start":2311.295,"end":2317.935,"sentiment":"neutral","sentiment_score":-0.04883733820170164},{"text":"There's several different types, but they are specified and they range from cancer through to different types of cancer, from heart attack, stroke, and so on.","start":2317.935,"end":2327.19,"sentiment":"neutral","sentiment_score":-0.009990908850270968},{"text":"Is that something that you'd be interested in receiving advice on?","start":2327.19,"end":2330.49,"sentiment":"neutral","sentiment_score":0.11223138191483238},{"text":"Yep.","start":2335.43,"end":2335.785,"sentiment":"neutral","sentiment_score":0.193871408700943},{"text":"I can do that.","start":2335.865,"end":2336.3848,"sentiment":"neutral","sentiment_score":0.2573796734213829}],"sentiment":"neutral","sentiment_score":0.03288073637164556,"num_words":52,"start":2311.295,"end":2336.3848},{"sentences":[{"text":"I can send you through some information on that.","start":2336.3848,"end":2338.845,"sentiment":"neutral","sentiment_score":0.1803177578581704},{"text":"Alright.","start":2339.305,"end":2339.805,"sentiment":"neutral","sentiment_score":0.12331195920705797},{"text":"The next document that we are going to look at if you press next is your performance within your hub twenty four account.","start":2340.105,"end":2350.365,"sentiment":"neutral","sentiment_score":0.07774452784139177},{"text":"So the portfolio itself is invested in an ethical portfolio due to your goal of wanting to be investing environmentally and socially ethical options.","start":2351.01,"end":2364.95,"sentiment":"neutral","sentiment_score":0.21526823130746683},{"text":"The portfolio itself in the last twelve months has not performed overly great.","start":2367.015,"end":2372.795,"sentiment":"negative","sentiment_score":-0.4223023056983948}],"sentiment":"neutral","sentiment_score":0.0458686213940382,"num_words":70,"start":2336.3848,"end":2372.795},{"sentences":[{"text":"It actually has returned a negative bigger...","start":2373.4949,"end":2375.9949,"sentiment":"negative","sentiment_score":-0.4737293805394854},{"text":"A negative return of one...","start":2376.135,"end":2377.655,"sentiment":"negative","sentiment_score":-0.38185922503471376},{"text":"Negative 1.17% after phase.","start":2377.655,"end":2380.635,"sentiment":"negative","sentiment_score":-0.42173513025045395},{"text":"Ask...","start":2383.17,"end":2383.57,"sentiment":"neutral","sentiment_score":-0.16544044017791748},{"text":"What I went back and did is had a look at it from from inception, and it looks like from inception, the annualized return is about 4.26% per annum.","start":2383.57,"end":2396.23,"sentiment":"neutral","sentiment_score":-0.11640818083080752}],"sentiment":"neutral","sentiment_score":-0.22725260857006777,"num_words":46,"start":2373.4949,"end":2396.23},{"sentences":[{"text":"So being a high growth investor, which is what your risk profile is and how your fund is currently invested, it is it is lower than what we would typically predict for a high growth investment portfolio.","start":2397.4949,"end":2414.3599,"sentiment":"neutral","sentiment_score":-0.16896753717918653},{"text":"But also, on the flip side, we do know that the ethical portfolios themselves do historically perform a little bit lower.","start":2414.9,"end":2423.88,"sentiment":"neutral","sentiment_score":0.015999535542158855},{"text":"Yeah.","start":2424.405,"end":2424.645,"sentiment":"neutral","sentiment_score":-0.00171605683863163},{"text":"Exactly.","start":2424.645,"end":2425.145,"sentiment":"neutral","sentiment_score":-0.0042624808847904205},{"text":"So...","start":2426.165,"end":2426.665,"sentiment":"neutral","sentiment_score":-0.01359320431947708}],"sentiment":"neutral","sentiment_score":-0.0973013175620896,"num_words":61,"start":2397.4949,"end":2426.665},{"sentences":[{"text":"Mhmm.","start":2432.165,"end":2432.665,"sentiment":"neutral","sentiment_score":-0.15995606780052185},{"text":"Look.","start":2439.3801,"end":2439.8801,"sentiment":"neutral","sentiment_score":-0.1370675414800644},{"text":"Yes.","start":2444.1,"end":2444.6,"sentiment":"neutral","sentiment_score":-0.0008576288819313049},{"text":"Well, there's many, many different portfolios that we do operate within the group, and it's more so based on the risk profile.","start":2446.02,"end":2456.7751,"sentiment":"neutral","sentiment_score":-0.06711469844660976},{"text":"So for example, a high growth investor, we would typically expect to see an average rolling return of between eight to 10% per annum.","start":2456.7751,"end":2465.0352,"sentiment":"neutral","sentiment_score":-0.017370319614807766}],"sentiment":"neutral","sentiment_score":-0.04472025050496568,"num_words":49,"start":2432.165,"end":2465.0352},{"sentences":[{"text":"An ethical portfolio would would...","start":2465.54,"end":2469.08,"sentiment":"neutral","sentiment_score":-0.03570807054638862},{"text":"Regardless of how it was invested across different risk profiles and allocation to growth assets would be significantly historically, performance wise, less than what we would typically see in a portfolio that has more diversification.","start":2469.8599,"end":2491.605,"sentiment":"neutral","sentiment_score":-0.20252417070525033},{"text":"So...","start":2494.09,"end":2494.59,"sentiment":"neutral","sentiment_score":-0.0656118094921112},{"text":"Yep.","start":2500.09,"end":2500.59,"sentiment":"neutral","sentiment_score":-0.13199858367443085},{"text":"Yeah.","start":2514.2651,"end":2514.745,"sentiment":"neutral","sentiment_score":0.020330259576439857}],"sentiment":"neutral","sentiment_score":-0.17312015025594898,"num_words":43,"start":2465.54,"end":2514.745},{"sentences":[{"text":"So that's since that's since inception.","start":2514.745,"end":2516.925,"sentiment":"neutral","sentiment_score":0.019721062543491524},{"text":"So it is gonna sit.","start":2517.545,"end":2520.045,"sentiment":"neutral","sentiment_score":0.05042977258563042},{"text":"So for example, one that I looked at the other day for a client in a review, they were invested for a little bit longer.","start":2522.3398,"end":2531.0598,"sentiment":"neutral","sentiment_score":0.06827111214399338},{"text":"So their annualized return was over a longer period of time, but it's at about 9% per annum averaged out.","start":2531.0598,"end":2538.295,"sentiment":"neutral","sentiment_score":0.12629209831357002},{"text":"So you are foregoing potential growth opportunities, but, I mean, that is...","start":2538.4348,"end":2547.335,"sentiment":"neutral","sentiment_score":0.095288233521084}],"sentiment":"neutral","sentiment_score":0.08450814426931388,"num_words":68,"start":2514.745,"end":2547.335},{"sentences":[{"text":"What I would say is if that's the approach that you'd like to take with your superannuation, is that the same approach you'd like to take with your investment portfolio, or would you be wanting to diversify your your future investment portfolio to be the opposite of what you have in superannuation?","start":2548.275,"end":2568.355,"sentiment":"neutral","sentiment_score":-0.14774143108381674},{"text":"Mhmm.","start":2577.375,"end":2577.84,"sentiment":"neutral","sentiment_score":-0.02984336763620377},{"text":"Mhmm.","start":2581.76,"end":2582.26,"sentiment":"neutral","sentiment_score":-0.033662885427474976},{"text":"What are...","start":2591.875,"end":2592.435,"sentiment":"neutral","sentiment_score":-0.05039636418223381},{"text":"And what are those?","start":2592.435,"end":2593.875,"sentiment":"neutral","sentiment_score":-0.07079613022506237}],"sentiment":"neutral","sentiment_score":-0.13550063197811443,"num_words":60,"start":2548.275,"end":2593.875},{"sentences":[{"text":"Give me some examples so I can have a look at those.","start":2593.875,"end":2596.5352,"sentiment":"neutral","sentiment_score":-0.053027969474593796},{"text":"Yeah.","start":2625.825,"end":2626.325,"sentiment":"neutral","sentiment_score":-0.10427335649728776},{"text":"Yep.","start":2638.8,"end":2639.3,"sentiment":"neutral","sentiment_score":-0.07500407099723816},{"text":"Yeah.","start":2639.52,"end":2640.02,"sentiment":"neutral","sentiment_score":-0.0964050143957138},{"text":"Yeah.","start":2640.08,"end":2640.58,"sentiment":"neutral","sentiment_score":-0.11080928891897202}],"sentiment":"neutral","sentiment_score":-0.06392671028152108,"num_words":16,"start":2593.875,"end":2640.58},{"sentences":[{"text":"Yeah.","start":2648.085,"end":2648.585,"sentiment":"neutral","sentiment_score":-0.2739972472190857},{"text":"Absolutely.","start":2657.5,"end":2657.98,"sentiment":"neutral","sentiment_score":-0.05169142037630081},{"text":"I completely understand that.","start":2657.98,"end":2659.34,"sentiment":"neutral","sentiment_score":-0.048077741637825966},{"text":"Leave that with me, and I can look into that a little bit more.","start":2659.34,"end":2662.56,"sentiment":"neutral","sentiment_score":-0.08133507653006486},{"text":"Because it might be that we can still have some alternative options that don't particularly have exposure to those types of activities.","start":2662.62,"end":2679.375,"sentiment":"neutral","sentiment_score":-0.18455336378379303}],"sentiment":"neutral","sentiment_score":-0.13611582640026296,"num_words":42,"start":2648.085,"end":2679.375},{"sentences":[{"text":"So Yep.","start":2681.1948,"end":2709.12,"sentiment":"neutral","sentiment_score":0.0658923890441656},{"text":"It does.","start":2709.76,"end":2710.1602,"sentiment":"neutral","sentiment_score":0.2596987932920456},{"text":"It does make sense.","start":2710.1602,"end":2711.12,"sentiment":"neutral","sentiment_score":0.29544488713145256},{"text":"Absolutely.","start":2711.12,"end":2711.62,"sentiment":"neutral","sentiment_score":0.2473250925540924},{"text":"Alright.","start":2712.9602,"end":2713.36,"sentiment":"neutral","sentiment_score":0.16343989968299866}],"sentiment":"neutral","sentiment_score":0.22437269054353237,"num_words":10,"start":2681.1948,"end":2713.36},{"sentences":[{"text":"I can certainly look at that and take...","start":2713.36,"end":2715.12,"sentiment":"neutral","sentiment_score":0.12570170685648918},{"text":"Make sure that's taken into consideration too when we're reviewing everything.","start":2715.12,"end":2719.86,"sentiment":"neutral","sentiment_score":0.044160121882503685},{"text":"So what I might do is have a...","start":2720.2402,"end":2721.9202,"sentiment":"neutral","sentiment_score":0.038610818795859814},{"text":"Is review your superannuation portfolio while I'm looking at...","start":2721.9202,"end":2726.125,"sentiment":"neutral","sentiment_score":0.014032445951468416},{"text":"Once I receive your cash flow while I'm looking at a potential investment portfolio.","start":2727.945,"end":2732.445,"sentiment":"neutral","sentiment_score":0.03231035718428237}],"sentiment":"neutral","sentiment_score":0.047577971201390026,"num_words":50,"start":2713.36,"end":2732.445},{"sentences":[{"text":"So it will it will depend...","start":2733.145,"end":2735.165,"sentiment":"neutral","sentiment_score":0.022528111313780148},{"text":"The timeline on me consolidating a lot of information will depend on how quickly you can get that cash flow form back to me.","start":2735.385,"end":2742.35,"sentiment":"neutral","sentiment_score":0.14086846138040224},{"text":"It's very simple and straightforward.","start":2742.57,"end":2744.33,"sentiment":"positive","sentiment_score":0.4526161849498749},{"text":"It won't take you very long at all.","start":2744.33,"end":2746.11,"sentiment":"neutral","sentiment_score":0.24768002331256866},{"text":"The next document in the pack is our Vanguard index chart.","start":2747.69,"end":2751.855,"sentiment":"neutral","sentiment_score":0.1287449293515899}],"sentiment":"neutral","sentiment_score":0.1699393902801805,"num_words":54,"start":2733.145,"end":2751.855},{"sentences":[{"text":"So that is a educational piece that I like to just talk through in relation to clients' risk profile.","start":2751.855,"end":2759.455,"sentiment":"neutral","sentiment_score":0.11932738419426114},{"text":"So yours, as I mentioned earlier, is a high growth.","start":2759.455,"end":2761.955,"sentiment":"neutral","sentiment_score":0.30241506099700927},{"text":"Those top four down the right hand side, US shares, Australian shares, international, and property, they are our growth shares.","start":2763.76,"end":2770.9602,"sentiment":"neutral","sentiment_score":0.1771789610385895},{"text":"So as a high growth investor, we'd expect to see approximately 90% of your funds within the portfolio invested in that...","start":2770.9602,"end":2781.025,"sentiment":"neutral","sentiment_score":0.21615046830404372},{"text":"Those...","start":2781.025,"end":2781.4248,"sentiment":"neutral","sentiment_score":0.030032247304916385}],"sentiment":"neutral","sentiment_score":0.18879073538200955,"num_words":71,"start":2751.855,"end":2781.4248},{"sentences":[{"text":"Across those sectors with the remaining 10% in the bottom...","start":2781.4248,"end":2786.565,"sentiment":"neutral","sentiment_score":0.005425052158534527},{"text":"The following two being bonds and cash.","start":2786.9448,"end":2789.365,"sentiment":"neutral","sentiment_score":0.017203147656151226},{"text":"Is that something that you're still comfortable with?","start":2790.3,"end":2792.8801,"sentiment":"neutral","sentiment_score":0.13029225543141365},{"text":"So...","start":2808.5352,"end":2809.0352,"sentiment":"neutral","sentiment_score":0.007555942982435226},{"text":"Yeah.","start":2812.455,"end":2812.8552,"sentiment":"neutral","sentiment_score":0.23265931010246277}],"sentiment":"neutral","sentiment_score":0.05397132784128189,"num_words":27,"start":2781.4248,"end":2812.8552},{"sentences":[{"text":"Okay.","start":2812.8552,"end":2813.3552,"sentiment":"positive","sentiment_score":0.4147758483886719},{"text":"Lovely.","start":2813.5752,"end":2814.0752,"sentiment":"positive","sentiment_score":0.5528489351272583},{"text":"The next document across is the financial services guide.","start":2814.935,"end":2818.5352,"sentiment":"neutral","sentiment_score":0.16475854648484123},{"text":"So that is our document that explains who we are, that we're authorized through ASIC or licensed through ASIC, the types of advice we provide and how we provide it, our fee structure, and if you are unhappy with any of the services, the complaints process.","start":2818.5352,"end":2840.225,"sentiment":"neutral","sentiment_score":0.08476873373855716},{"text":"Yeah.","start":2843.645,"end":2844.145,"sentiment":"neutral","sentiment_score":0.04869971796870232}],"sentiment":"neutral","sentiment_score":0.1103191926176178,"num_words":58,"start":2812.8552,"end":2844.145},{"sentences":[{"text":"That's okay.","start":2844.5251,"end":2845.2651,"sentiment":"neutral","sentiment_score":0.10511257126927376},{"text":"Yes.","start":2849.13,"end":2849.45,"sentiment":"neutral","sentiment_score":0.12994526326656342},{"text":"We do.","start":2849.45,"end":2850.11,"sentiment":"neutral","sentiment_score":0.13516061007976532},{"text":"The next document is your ongoing service agreement.","start":2851.29,"end":2854.35,"sentiment":"neutral","sentiment_score":0.06765793496742845},{"text":"So this is the consent to continue charging a fee from your superannuation fund for our ongoing advice.","start":2854.41,"end":2862.27,"sentiment":"neutral","sentiment_score":0.07485489547252655}],"sentiment":"neutral","sentiment_score":0.08061752336159829,"num_words":31,"start":2844.5251,"end":2862.27},{"sentences":[{"text":"So that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum.","start":2862.865,"end":2875.445,"sentiment":"neutral","sentiment_score":0.10243920707388927},{"text":"So that's deducted monthly from your hub twenty four account.","start":2876.19,"end":2880.21,"sentiment":"neutral","sentiment_score":0.10337570160627366},{"text":"That that fee covers your reviews, so it will cover any changes I'm gonna look into your superannuation fund.","start":2881.47,"end":2891.825,"sentiment":"neutral","sentiment_score":0.08380903362443573},{"text":"It's...","start":2893.645,"end":2894.145,"sentiment":"neutral","sentiment_score":0.019654685631394383},{"text":"It will cover the regular...","start":2894.205,"end":2896.365,"sentiment":"neutral","sentiment_score":0.028157906234264375}],"sentiment":"neutral","sentiment_score":0.08764662603951162,"num_words":54,"start":2862.865,"end":2896.365},{"sentences":[{"text":"The annual reviews that you have, and also you're not limited.","start":2896.365,"end":2900.145,"sentiment":"neutral","sentiment_score":0.06419301642612978},{"text":"So if you do want to ring up and, say, for example, start a sari sacrifice arrangement, then, you know, that's included as part of your ongoing fee.","start":2900.205,"end":2910.54,"sentiment":"neutral","sentiment_score":0.0692755589261651},{"text":"If we do look at investments as part of a recommendation, there will be an advice fee and an ongoing fee for that one.","start":2911.16,"end":2918.6199,"sentiment":"neutral","sentiment_score":0.07109384005889297},{"text":"But I can give you more information on that when I've had a look at your cash flow to know where we sit with that and how that will work.","start":2918.865,"end":2929.525,"sentiment":"neutral","sentiment_score":0.1391567329565684},{"text":"And then the next document in this pack is the option to provide your tax file number.","start":2932.9102,"end":2937.87,"sentiment":"neutral","sentiment_score":0.116824671626091}],"sentiment":"neutral","sentiment_score":0.09557102180340073,"num_words":110,"start":2896.365,"end":2937.87},{"sentences":[{"text":"So we do hold your tax file number on file, and we had that when we set up your superannuation fund.","start":2937.87,"end":2945.01,"sentiment":"neutral","sentiment_score":0.10685452357644126},{"text":"So this this form here is one that does require signing along with the OSA if you're con...","start":2945.205,"end":2951.205,"sentiment":"neutral","sentiment_score":0.02671274242715703},{"text":"If you're happy to continue being a client.","start":2951.205,"end":2953.385,"sentiment":"neutral","sentiment_score":0.2418883191421628},{"text":"And the TFN form just says that we...","start":2954.245,"end":2958.15,"sentiment":"neutral","sentiment_score":0.0731527553871274},{"text":"You're giving us authority to hold your tax phone number on file.","start":2958.15,"end":2961.69,"sentiment":"neutral","sentiment_score":0.06593982378641765}],"sentiment":"neutral","sentiment_score":0.09009523642485712,"num_words":67,"start":2937.87,"end":2961.69},{"sentences":[{"text":"Any questions so far?","start":2963.43,"end":2964.97,"sentiment":"neutral","sentiment_score":0.023374115582555532},{"text":"Yep.","start":2972.925,"end":2973.425,"sentiment":"neutral","sentiment_score":0.1856836974620819},{"text":"Of course.","start":2975.965,"end":2976.625,"sentiment":"neutral","sentiment_score":0.0899090263992548},{"text":"Absolutely fine.","start":2981.645,"end":2982.6052,"sentiment":"positive","sentiment_score":0.5720357298851013},{"text":"So my next steps here is I'm going to send you, most likely by close of business tomorrow, a summary of our chat via email, some information pieces, the budget sheet for you to complete.","start":2982.6052,"end":2997.19,"sentiment":"neutral","sentiment_score":0.2707522575344358}],"sentiment":"neutral","sentiment_score":0.25180451559241523,"num_words":44,"start":2963.43,"end":2997.19},{"sentences":[{"text":"Once I've received that budget spreadsheet back, I can then look at reviewing the superannuation portfolio, particularly the underlying investments, and seeing if we could look at any changes surrounding investment options, taking into consideration the the topics we discussed earlier, look at salary sacrifice, and also look at investment options.","start":2997.57,"end":3027.41,"sentiment":"neutral","sentiment_score":0.1501640664304004},{"text":"So I I feel like once I do get that cash flow back, there's a fair bit in there for me to look at, and it will probably take about three to four weeks to get an advice document together once the the cash flow document has been received.","start":3027.47,"end":3046.3599,"sentiment":"neutral","sentiment_score":0.010273826137489202},{"text":"So I will reach out and keep you updated, but those are the next steps if you're happy with that.","start":3046.3599,"end":3054.285,"sentiment":"neutral","sentiment_score":0.2640125699341297},{"text":"Mhmm.","start":3067.885,"end":3068.28,"sentiment":"neutral","sentiment_score":0.03512264043092728},{"text":"100%.","start":3083.6548,"end":3084.6948,"sentiment":"neutral","sentiment_score":0.038731493055820465}],"sentiment":"neutral","sentiment_score":0.1107859868922683,"num_words":122,"start":2997.57,"end":3084.6948},{"sentences":[{"text":"Yep.","start":3084.6948,"end":3085.1948,"sentiment":"neutral","sentiment_score":0.039339058101177216},{"text":"Yeah.","start":3089.335,"end":3089.835,"sentiment":"neutral","sentiment_score":0.013742467388510704},{"text":"Mhmm.","start":3096.615,"end":3096.9,"sentiment":"neutral","sentiment_score":-0.04234164208173752},{"text":"That's something you need to do with your...","start":3100.02,"end":3102.5999,"sentiment":"neutral","sentiment_score":-0.062400862807407975},{"text":"With a lawyer.","start":3102.9,"end":3103.7998,"sentiment":"neutral","sentiment_score":-0.022288485740621884}],"sentiment":"neutral","sentiment_score":-0.039666605448084216,"num_words":14,"start":3084.6948,"end":3103.7998},{"sentences":[{"text":"What I'm going to do is in my email I'm sending to you, I'm going to send you a brochure for a professional partner that we use.","start":3103.8599,"end":3112.1199,"sentiment":"neutral","sentiment_score":0.07759306759194091},{"text":"They can do it remotely or virtually like we conduct our reviews.","start":3112.725,"end":3117.0652,"sentiment":"neutral","sentiment_score":0.15154901395241419},{"text":"Their fees are quite reasonable, very reasonable, actually.","start":3117.7651,"end":3122.0251,"sentiment":"positive","sentiment_score":0.349231606349349},{"text":"And if you want to proceed, you just reach out to them.","start":3122.165,"end":3125.445,"sentiment":"neutral","sentiment_score":0.26981809611121815},{"text":"But so I'm gonna send you an email with some information for you to be able to to act upon.","start":3125.445,"end":3131.55,"sentiment":"neutral","sentiment_score":0.2311551198363304}],"sentiment":"neutral","sentiment_score":0.18440978978819486,"num_words":79,"start":3103.8599,"end":3131.55},{"sentences":[{"text":"So I'll I'll step that out for you in the email.","start":3131.55,"end":3134.05,"sentiment":"neutral","sentiment_score":0.25795525176958606},{"text":"It does.","start":3148.4648,"end":3149.1848,"sentiment":"neutral","sentiment_score":-0.02409193478524685},{"text":"So in the email, I'll I will map that out.","start":3149.1848,"end":3153.6848,"sentiment":"neutral","sentiment_score":0.005355903413146734},{"text":"Yeah.","start":3153.825,"end":3154.305,"sentiment":"neutral","sentiment_score":0.02861655503511429},{"text":"I'll give you an indication.","start":3154.305,"end":3155.505,"sentiment":"neutral","sentiment_score":-0.025088009610772132}],"sentiment":"neutral","sentiment_score":0.09469170486233358,"num_words":29,"start":3131.55,"end":3155.505},{"sentences":[{"text":"So I won't be able...","start":3155.505,"end":3156.305,"sentiment":"neutral","sentiment_score":-0.09153986722230911},{"text":"I can give you an indication of what it will be.","start":3156.305,"end":3160.2002,"sentiment":"neutral","sentiment_score":-0.07832263342358849},{"text":"And once I've received the cash flow and we...","start":3160.34,"end":3163.7002,"sentiment":"neutral","sentiment_score":0.0935789876514011},{"text":"I kind of figure out what my recommendation's gonna be when we meet in three to four weeks' time, I'll actually be able to give you a document that says exactly what the fees are going to be, and you can then make an informed decision.","start":3163.7002,"end":3179.075,"sentiment":"neutral","sentiment_score":0.18835292359733063},{"text":"But I can definitely give you a guide when I send through the information.","start":3179.075,"end":3183.255,"sentiment":"positive","sentiment_score":0.47832385131290983}],"sentiment":"neutral","sentiment_score":0.1751027175170534,"num_words":85,"start":3155.505,"end":3183.255},{"sentences":[{"text":"Alright.","start":3186.21,"end":3186.53,"sentiment":"positive","sentiment_score":0.6190747618675232},{"text":"Lovely.","start":3186.53,"end":3186.93,"sentiment":"positive","sentiment_score":0.7466703653335571},{"text":"Well, thank you for your time today.","start":3186.93,"end":3188.3699,"sentiment":"positive","sentiment_score":0.801846444606781},{"text":"It was lovely speaking with you.","start":3188.3699,"end":3190.15,"sentiment":"positive","sentiment_score":0.8868139187494913},{"text":"Yeah.","start":3203.915,"end":3204.415,"sentiment":"positive","sentiment_score":0.3987858295440674}],"sentiment":"positive","sentiment_score":0.7936462238430977,"num_words":16,"start":3186.21,"end":3204.415},{"sentences":[{"text":"Yeah.","start":3204.475,"end":3204.7952,"sentiment":"positive","sentiment_score":0.4650939404964447},{"text":"Good.","start":3204.7952,"end":3205.195,"sentiment":"positive","sentiment_score":0.7009537220001221},{"text":"Good.","start":3205.195,"end":3205.5151,"sentiment":"positive","sentiment_score":0.7645657062530518},{"text":"I'm glad.","start":3205.5151,"end":3206.235,"sentiment":"positive","sentiment_score":0.8231667578220367},{"text":"So I'm more than happy to be your partner in that and help you work towards that.","start":3206.235,"end":3210.975,"sentiment":"positive","sentiment_score":0.8232077745830312}],"sentiment":"positive","sentiment_score":0.798703593286601,"num_words":22,"start":3204.475,"end":3210.975},{"sentences":[{"text":"Lovely.","start":3213.2751,"end":3213.7751,"sentiment":"positive","sentiment_score":0.33631575107574463},{"text":"Yep.","start":3216.77,"end":3217.27,"sentiment":"neutral","sentiment_score":0.1508026123046875},{"text":"Yeah.","start":3219.4102,"end":3219.73,"sentiment":"neutral","sentiment_score":0.18229547142982483},{"text":"Definitely.","start":3219.73,"end":3220.23,"sentiment":"positive","sentiment_score":0.33338260650634766},{"text":"Definitely.","start":3220.69,"end":3221.19,"sentiment":"positive","sentiment_score":0.4059080481529236}],"sentiment":"neutral","sentiment_score":0.28174089789390566,"num_words":5,"start":3213.2751,"end":3221.19},{"sentences":[{"text":"Thank you, and I'll speak with you soon.","start":3221.33,"end":3223.4302,"sentiment":"positive","sentiment_score":0.5933081582188606},{"text":"Okay.","start":3224.85,"end":3225.35,"sentiment":"neutral","sentiment_score":0.2898018956184387},{"text":"You too.","start":3225.73,"end":3226.21,"sentiment":"neutral","sentiment_score":0.2970714122056961},{"text":"Bye.","start":3226.21,"end":3226.71,"sentiment":"neutral","sentiment_score":-0.08207055926322937}],"sentiment":"positive","sentiment_score":0.4623616188764572,"num_words":12,"start":3221.33,"end":3226.71}]}}]},{"alternatives":[{"transcript":"Good morning. It's Samantha speaking. Good, Nikisha. How are you doing? Yep. All good. All good. It's a mother, the date of August 1978. And I think I've got you down at 269 Marathon Boulevard, Craigieburn. Other than that, I've just got two properties attached there, but this is the main one that we use. So Yep. Yep. Yep. I do. And it's... And thank you for trying to get in touch with us because me quite busy. But, yes, you've got me for at least the next hour or so. Okay. That was... Would have been back in... Oh, when would that would have been? Was it September of last year or August last year? It was, like, Even more. Okay. Okay. Yeah. So so so that that allows me to know exactly what's happened since then. Okay. I've moved jobs. I've changed jobs as such to a different company still within government as such, but I've moved from... I think I headed down as Department of Transport and Plant in in Victoria. I've now moved to AIMS Australia, a m e s. Yep. Australia. The role I'm doing is... What's my title? Director of strategic of strategy and projects. In terms of it... Oh, I can't even remember. I am on on more money. I can't remember what I was when I told... What I told you back then, but I'm roughly about $2.30 now. 230. No. Before super. Sorry. So so so super is is on top of that. So with super, like, 200 and something. Yeah. Nothing yet. Nothing that I can think of. That's probably the biggest change. In terms of it from, I guess, what do you call it, financial perspective? I paid off my HECS, my HELP loan. Uh-huh. So, yes, so so that... That's... It's great to actually start getting, you know, 10% back. Okay. Yeah. Yeah. And I see that that one's being paid off. Seems anything else... I haven't made any large purchases or, like, investments or something like that in the last few months. Yeah. Pretty much. It's just, yeah, I think it's... My my my status is still great. Same. I'm still single. I thought through there. Yeah. I think I think that's pretty much for it. Is there anything else? I'm just trying to see what else to do would be of significance for you. Yeah. Yeah. Yeah. Yeah. Yeah. Still the same. So mothershimmy@alphabets.com? Any dependents? No. I just have no children. Yeah. I do. Correct. Yep. That's still correct. Yep. At enrollment now, I'm actually building the five year strategy for an organization. After this... Maybe it's... The reality of my job is... Because I report directly to our CEO. It's whatever the CEO wants. So it's it's a very, very generic title to just parachute me into whatever problems the organization has. In terms of it, so I'm I'm building the strategy for the next five years. Straight after that, I'll probably start building or developing kind of like an enterprise PMO type office. So I'll set that one up as such. And then I know later next year, they'll probably put me into one of the portfolios because one of the GMs is about to leave, but there's a lot of problems in there. And so they want me to do a full review and then kind of get things back in shape so that, you know, we can move forward with that. So I don't know how to describe that. It's a job description, but, yeah, it's kind of like, you know, we have to fire and they point point at it, and I just go there. Oh, it is all office space, but I do go out to sites because we've got about 47 sites across Australia. So And so Friday will be exactly one year. I see. Mhmm. I would say probably more, but I have not really checked, to be honest. Look. I can still put it down as 300. Like, I I haven't gone below that. But since I since I've paid off my my hacks, you know, that... A lot of that just gone straight into well, yeah, it it it just got straight to my offset account. So No. I'm... That... That's why that's why I kind of signed up to this so I can actually remind me to do do, like, an annual check. Yeah. So Next. Yep. Yep. That sounds good. Yeah. I've made a few, but, I mean, it's it's only a few thousand over the last year and this year as such. But, yeah, I'll need to go and check on that. Okay. Yeah. Because I do... I I haven't set anything up since moving into this new... Again, this new role. I do, but I also am mindful because this is one of the problems I had because I was still under the help. I I already triggered because I already went over there with it. What was that ruling? The... Yeah. Contribution cap and things like that. So that's why I was very... I was advised that, look, you have to be very careful because you just need to pay tax on top of that regarding that. Yeah. Yeah. Yeah. If you could, please, if it's not about paid off the the hacks, That should not put me below that... With the $2.07... Whatever it is, the the the threshold it is. Okay. Yep. Mhmm. Yeah. So I do fall under the EBA, which is actually being... Well, it's gonna be negotiated. We're just waiting for them to basically take it off before caretaker and and election starts. That will put me... That will rate my income again, and I believe they'll then... They'll back pay it for... To earlier this year by the percentage. I think another additional 8% this year. And then it's for, I think, 20 something percent over the next three years or four years. Yeah. That's it. I think 12%. Yeah. Just a 12%. I think it's just financial year, but I might be wrong. I think it might back pay till a few months before that. But I... I'm just waiting to actually see the full details as such through that. So Mhmm. Yeah. I think it's I think it's actually four years, if I remember correctly. Yeah. I I I I can I can send all those details as such, you know, once once I've actually seen that tool, what has been agreed through by government? So Mhmm. Okay. Cool. Cool. Yes. I do. So for my own home, it's roughly about 170 something tells... 180,000 is because it's a ton of debt. And value... Well, just two doors down. I live in in the townhouse, identical townhouses on the strip. Though I'm I'm just at the corner space, but two townhouses down sold for $6.40. And I purchased mine for $4.20 something, and that was, what, five years ago. But I'm happy to say, oh, I've got a bigger land than them. So... Because I've got a corner block, whereas they're in between. Yeah. I do. In South Park. Mhmm. So, basically, it is... It's probably gone up. I'm guessing it's probably closer to the 800 mark. That... Now I've... When I got my mortgage broker to redo redo everything, they rebalanced it for me, and I put it at just an interest only repayments. The... Now the outstanding on it was 700 something. I I try to take basically as much as I can just to just not offset, you know, myself, my my income. But... Yeah. So so it's... They did it in a way that allowed me to basically borrow against that using that and maximize my my my liability for more negative gearing. So... Yeah. Well, that... That's why I'm just... As as I'm talking to you now, I'm actually trying to look into my things so I can tell you instead. Yeah. So so my existing home loan is a 174,000. This is probably for my my my primary... My my residential one, and that's offset by a 162,000 in my offset. And my investment loan... Sorry. It wasn't... Sorry. It was $8.32. So they've maxed... They... They've they've moved things around. So it's actually based on 832, and I believe then the the loan itself is against both this house, both my primary residence and that house and investment property as well. Yep. $872.02. Yep. He he he can left it from the... Well, the the bank has used this house as part of the as part of the the the counter, yeah, the equity for for for for that here. So I guess you can less it from there. Mhmm. Yes. Correct. So that will be cool just about a minute or so. Yep. Mhmm. I'm just checking to see it right now. I did this all pretty much December last year. Interest rate is 6.3. The... Okay. So the loan is for thirty years. Obviously, when the when the term expiry... When the no, it's just interest only, but they haven't... They're not telling me when my interest only finishes. Yeah. It's something I I need to go back into. Yeah. I need to go back and and check it through. But I think... I remember talking to him about three years at least. So... Yeah. It's for the residential or the investment? The... And we said residential is... Come on. K. Account details. 6.09 is my residential. And that's still... Well, original term's thirty years due to expire December 2055. So twenty nine years. I did it back in December last year. My residence as such, and that's 1 Hundred And 62 inside there. No. No. No. Go ahead. Yeah. 545, I think, weeks. Yeah. Yeah. No. Yeah. Yeah. I still have those. I haven't done anything with them. So... Yeah. Combinations, some banks, some... What do you call it? Yeah. It's just a combination of different things. So some media, some unregulated. Yeah. Well, I just I just bought them a few years back. I'd like to do more. Like like like... So so one of the plans that I do wanna do is actually just, you know, better better plan investments moving through. I'll be very honest with you, like, with your colleagues that I've spoken to, like, last year as well. I'm... I I I I help a lot of people, but I need help to help myself. And so and so I've gotta speak to, like, people who do this, you know, for a living to see how you can actually help me, you know, to to to to better structure and better things. So that's why they we... That's why they gave me advice of to restructure my loans and and all that before. And then I said, look. We'll let you get investments. But, yeah, by... Because I moved into a new role, I didn't actually get a chance to to really, you know, sit down and then then think it through until, you know, you... The reminder came up. Yeah. Yep. I don't sleep. I don't smoke. I don't drink. Yes. I do. With a h m. Yep. So that's also one of the things that I do need to get done. So... Yes. Okay. Okay. That's still something I wanted to do, though I don't... I I think I said I was looking interstate. I wasn't gonna be one in each stage, but I was looking interstate as such there. And I do also want to to look at, you know, buying properties overseas as well. So I was thinking, you know, starting with Asia, somewhere in Asia to begin with. Probably probably not Singapore. I'm originally from Singapore, but probably not Singapore, but maybe somewhere up in Malaysia or Thailand. Yeah. And then, you know, and then from there, building up from there, because I'll I'll like to also do one. I like to also... I was living in The States for time as well. I'd like to go back to The States at some point and look down there as well. But but let's just start with Asia to begin with. Southeast Asia to begin with. Well, did... So that really, really... Not really thought further hit through on that, probably in the next five years or so. To me, it was just part of just trying to build up how I would like to see myself retiring. As... Or not retiring, but but but pulling back as I get older and just having, you know, somewhere to go and stay, you know, where where where where... And and travel. I I do a lot of traveling, though I do admit this has been a bit quieter because of the new role. But I do do do do a lot of traveling as well. So Mhmm. Yeah. Pretty much. I'll rent it out and then, you know, for... Because because I remember, like, when I was in Malaysia, just January, like, just beginning of this year as such, you know, there were places where I could buy, like, you know, a a really nice apartment in in the city. And there were companies that actually, you know, would rent it out to to Expat, I guess. They'll manage it for you, and then, you know, I just say that, okay. I'm just gonna be here for, like, two months of the year. And then by... For the rest of the year, they'll actually manage it, and I just pay a a fee to them and then collect whatever rent that comes out from there. So Yes. I do, and I do want to learn more about it because I remember learning all this in the finance classes. But, yes, that wasn't... Let's just say finance wasn't much on the street thinking then. So the overarching is basically, first of all, to diversify and create another income stream. It's not something that I intend to or I see myself having to live off solely, you know, at this point. But I would like to, like, whatever that I make in there to continually keep that reinvesting to continue it to grow, you know, so so so so something in that sense there. Long term, so let's take... Looking at, say, twenty years as such, you know, yes, definitely, I would like to have that supplement, you know, my retirement income for whatever I I get from superb as such. So Mhmm. Yep. Yep. Mhmm. So, look, anywhere from, I don't know, 20 to 50,000, really depending on what what's Yeah. You know? That's that's what I had in my head. I think when I first talked about this last year, I was looking for about 20,000 as such just to to start putting aside. Just to help me also learn and understand this because I get that I do want... And and and and just get on top of that. And then from there, continue continue to grow because ultimately... And if it's, say, like, a five, ten year goal, you know, I'd like to have, you know, a 100, you know, a 150,000 inside here or develop it to to to to a fund of that size and such there. Yeah. Does that make sense? I I... You know, as I said, this is where, like I said, I... I'm really not sure with such. But my my... Look. I I I should be more on top of my cash flow and expenses. I know I'm not behind on it, but I'm also not that I'm not doing enough. So I probably spend more than I should on on things and then the payments. But this is where I was hoping to see the understanding of what it is. If I would say put in an extra, I don't know, you know, $205,100 bucks a week into this. How would that look like? And then that way I can then do the... A part of this is also helping me to just become a bit more, you know, diligent in what I do because, yeah, as I said, it's... I'm a person that needs a plan. And at the moment now, I see... I feel a bit like I I don't have a plan for this. I'm kind of this kind of cruising. I I know I do make... You know, I am very comfortable, and that's the part that scares me because the moment I'm comfortable, I get complacent. I I like the time of them. Thank you. Mhmm. Mhmm. I... I've really done all that and more. I'll be in China end of this month. This is all for for fun, and there's nothing work or business related in this. Next year, April next year, I'll be in Europe, Scandinavia, and then the Baltics. And and then I've got another trip to China, two more trips to Vietnam. And at some point, I'll be also going back to Singapore to see family, and friends as well. So, so, yes, I've got a few things put through. And I'm just trying to think what else is going through. That's what I do know now, but I'll probably put something in between now and for the end of the year. I'll be planning some stuff for next year. So Oh, yeah. In in my yes. Yeah. In my in my... Yeah. The Superfund, but I think that was just some of the basic stuff that was initially set up. Yes. Oh, yes. That's fine. Yes. I'm happy to let you work in too. So, yes, I had my laser surgery for my eyes, and I have changed jobs. I was I was in the process of looking at new roles back then, and then that's in this new role now. So Yeah. Yeah. We'll keep it at that as such too there. I still see myself. I'm a person that can't sit down. That's a problem. So I can see myself having to do... Well, wanting to do stuff. I do. Mhmm. Mhmm. On this... Ah, here we go. Miss Wheeler, that's you. And... Okay. Find document. Here we go. Okay. It's opened up. I'll set up your first page, which is just about my... Oh, this is my insurance. It's... Yep. Mhmm. Yeah. Mhmm. Mhmm. So so how I'm seeing it to... It says that I don't have any dependencies directly. When we talk about me wanting to draft up a will, it was more so that, you know, my sister, the one on file, Nadia, She's got four kids as such who is... Who are already nominated inside with Hub 24. Okay. So the four of them plus also I have a goddaughter. So my best friend's daughter as such there will probably be the five beneficiaries that, you know, I would nominate for my... If something were to happen to me. In terms of that, look, I would probably say, like, you know, sell off the investment property to sell off that loan. And then... Well, basically, just sell off all my assets itself to then help, and then whatever is left over for Google to distribute out as such to do that. In terms of it, like, my my my initial plans when I was, you know, taking this through and had the initial talk as such was to fully pay off my property, which I'm very close to doing at the moment now, my residential property, and then looking for a way to better structure my my investment property itself. I would like to get that amount, I guess, lower so that, you know, it's no longer using my residential property as equity against it. Mhmm. And then, you know, and then look at how I can then just build up, you know, further investments through. So does that help answer your question? Mhmm. Yeah. I'm on the part sense issue. Correct. Yeah. Mhmm. Yep. Yep. Well, I was looking probably more than one of the night's day rate and so I'd see there. So I'm I'm I'm comfortable with this, like, expenditure, and I know I can probably cut down my expenditure more. Because we just said, look. It's going through the the the the the document. So going through the the costing expenses, you know, template that you that you'll send through, will probably be, you know, a a good... I'll say, we have to check for me to see what I can be doing better. Yep. Mhmm. Yeah. So I'll I'll let you get... Learn more about it first before I commit to anything. So Mhmm. Mhmm. Yep. Right. Mhmm. It's Oklahoma s. Yeah. But but what what has been the... So as a as a comparison, what has been, like, nonethical or... I should say, this sounds really bad. But, you know, a fund that wasn't dedicated to this ethical and moral, you know, companies. How is that, you know, how is that set? I mean, I I I I I understand what I'm saying. Look. And I understood that when I signed up for it, though it is much lower than I was anticipating. So I was looking probably more and more close to the 7% mark for a high growth if that's true there. But as I said, coming in with... When you mentioned 4% or four... It's over 4%. Mhmm. It's it's... Yeah. Well, it said... And this is where I'd like to really just understand, like, what are the the options. It's not that I'm solely looking for escrow and more, you know, companies, but I am... You know, there are some things that, like, that that I can feel very strongly about, like certain companies I can feel very strongly about because of... I mean, so the things that that that do not take into account, like, you know, the the long term environmental sustainability here. And I know it's... Like, companies are getting better on that. Also, companies that support things that that actually are causing... How can I put it nicely? Are causing more turmoil and strife. So things like, you know, companies in in defense, companies who do... Who create, you know, or support, you know, a lot of the... Let's just... Let's be direct... The walls that's happening in the moment there. You know? It's things like that. You know? And I know a lot of people don't realize some of these things that went through, but this is something that, you know, to me, I'm... I I don't feel comfortable knowing that I'm making money from, you know, a company that's making bullets that's killing children. So Mhmm. Mhmm. Alright. And and look... And this is where I said I do wanna just... If I know my options, like I said, I'm not solely, like like like like, I'm I'm not like a like a full green, you know, leftist. I don't wanna get to. But, you know, I'm probably more more central, but more ethical to to make sure that, you know, the things that we are doing are... The the money that I am putting aside for this is not going to think that's causing more heat in the world, if that makes sense. Yeah. So that's something I'm comfortable with. Like, even just looking at this, you know... Yeah. If we just went straight into bonds as such, I would probably be high... It's still higher than what I've got now. So, yeah, but look, I said I I... I'm comfortable with that one in terms of the. All good. All good. I'm... I've... You you you send you send an annual version of this. So Alright. Uh-huh. Mhmm. Okay. No questions so far. But, look, I'll I'll I'll review through the document as such there just to see what's changed and that, you know, I'm comfortable with the things. And then, you know, I'll probably sign it off and then send it back through to this... Yourselves. Mhmm. No. Mhmm. Look. I'm I'm happy with that too. So in in terms of it, I'm just recapping on a form on my side what I need to do. So I'll complete the the cash flow documents that you'll send through. You'll send me then the... Basically a summary of what we've discussed here. And then in about three to four weeks' time, we'll probably have another catch up to then talk about, you know, what does it look like from an investment and if anything else that needs to change. After... Yeah. Yeah. After after you've reviewed through my my cash flow. Part of this... As you mentioned before, you mentioned about will and power of attorney and those kind of things. Is that part of the time, or is it something that we do at the second the second time? Mhmm. Okay. Fantastic. And then, let's see. My only other question was... Okay. So you mentioned below with the investments and if we want to go... That that does incur additional fee and additional ongoing charge as well. Fantastic. Okay. Fantastic. Thank you very much, Shannon. It was a pleasure speaking with you and and helping keeping me accountable for all disciplines at least, you know, in terms of trying to... I'm trying to be talking for myself as opposed to helping everybody else. So fantastic. Thank you. So I'll look out for your emails on this one. So, yeah, I'll send it back, and then we'll be in touch and talk soon.. Thank you. Have a good one. 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morning. It's Samantha speaking. Good, Nikisha. How are you doing? Yep.\n\nAll good. All good. It's a mother, the date of August 1978. And I think I've got you down at 269 Marathon Boulevard, Craigieburn. Other than that, I've just got two properties attached there, but this is the main one that we use.\n\nSo Yep. Yep. Yep. I do. And it's...\n\nAnd thank you for trying to get in touch with us because me quite busy. But, yes, you've got me for at least the next hour or so. Okay. That was... Would have been back in...\n\nOh, when would that would have been? Was it September of last year or August last year? It was, like, Even more. Okay. Okay.\n\nYeah. So so so that that allows me to know exactly what's happened since then. Okay. I've moved jobs. I've changed jobs as such to a different company still within government as such, but I've moved from...\n\nI think I headed down as Department of Transport and Plant in in Victoria. I've now moved to AIMS Australia, a m e s. Yep. Australia. The role I'm doing is...\n\nWhat's my title? Director of strategic of strategy and projects. In terms of it... Oh, I can't even remember. I am on on more money.\n\nI can't remember what I was when I told... What I told you back then, but I'm roughly about $2.30 now. 230. No. Before super.\n\nSorry. So so so super is is on top of that. So with super, like, 200 and something. Yeah. Nothing yet.\n\nNothing that I can think of. That's probably the biggest change. In terms of it from, I guess, what do you call it, financial perspective? I paid off my HECS, my HELP loan. Uh-huh.\n\nSo, yes, so so that... That's... It's great to actually start getting, you know, 10% back. Okay. Yeah.\n\nYeah. And I see that that one's being paid off. Seems anything else... I haven't made any large purchases or, like, investments or something like that in the last few months. Yeah.\n\nPretty much. It's just, yeah, I think it's... My my my status is still great. Same. I'm still single.\n\nI thought through there. Yeah. I think I think that's pretty much for it. Is there anything else? I'm just trying to see what else to do would be of significance for you.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nStill the same. So mothershimmy@alphabets.com? Any dependents? No. I just have no children.\n\nYeah. I do. Correct. Yep. That's still correct.\n\nYep. At enrollment now, I'm actually building the five year strategy for an organization. After this... Maybe it's... The reality of my job is...\n\nBecause I report directly to our CEO. It's whatever the CEO wants. So it's it's a very, very generic title to just parachute me into whatever problems the organization has. In terms of it, so I'm I'm building the strategy for the next five years. Straight after that, I'll probably start building or developing kind of like an enterprise PMO type office.\n\nSo I'll set that one up as such. And then I know later next year, they'll probably put me into one of the portfolios because one of the GMs is about to leave, but there's a lot of problems in there. And so they want me to do a full review and then kind of get things back in shape so that, you know, we can move forward with that. So I don't know how to describe that. It's a job description, but, yeah, it's kind of like, you know, we have to fire and they point point at it, and I just go there.\n\nOh, it is all office space, but I do go out to sites because we've got about 47 sites across Australia. So And so Friday will be exactly one year. I see. Mhmm. I would say probably more, but I have not really checked, to be honest.\n\nLook. I can still put it down as 300. Like, I I haven't gone below that. But since I since I've paid off my my hacks, you know, that... A lot of that just gone straight into well, yeah, it it it just got straight to my offset account.\n\nSo No. I'm... That... That's why that's why I kind of signed up to this so I can actually remind me to do do, like, an annual check. Yeah.\n\nSo Next. Yep. Yep. That sounds good. Yeah.\n\nI've made a few, but, I mean, it's it's only a few thousand over the last year and this year as such. But, yeah, I'll need to go and check on that. Okay. Yeah. Because I do...\n\nI I haven't set anything up since moving into this new... Again, this new role. I do, but I also am mindful because this is one of the problems I had because I was still under the help. I I already triggered because I already went over there with it. What was that ruling?\n\nThe... Yeah. Contribution cap and things like that. So that's why I was very... I was advised that, look, you have to be very careful because you just need to pay tax on top of that regarding that.\n\nYeah. Yeah. Yeah. If you could, please, if it's not about paid off the the hacks, That should not put me below that... With the $2.07...\n\nWhatever it is, the the the threshold it is. Okay. Yep. Mhmm. Yeah.\n\nSo I do fall under the EBA, which is actually being... Well, it's gonna be negotiated. We're just waiting for them to basically take it off before caretaker and and election starts. That will put me... That will rate my income again, and I believe they'll then...\n\nThey'll back pay it for... To earlier this year by the percentage. I think another additional 8% this year. And then it's for, I think, 20 something percent over the next three years or four years. Yeah.\n\nThat's it. I think 12%. Yeah. Just a 12%. I think it's just financial year, but I might be wrong.\n\nI think it might back pay till a few months before that. But I... I'm just waiting to actually see the full details as such through that. So Mhmm. Yeah.\n\nI think it's I think it's actually four years, if I remember correctly. Yeah. I I I I can I can send all those details as such, you know, once once I've actually seen that tool, what has been agreed through by government? So Mhmm. Okay.\n\nCool. Cool. Yes. I do. So for my own home, it's roughly about 170 something tells...\n\n180,000 is because it's a ton of debt. And value... Well, just two doors down. I live in in the townhouse, identical townhouses on the strip. Though I'm I'm just at the corner space, but two townhouses down sold for $6.40.\n\nAnd I purchased mine for $4.20 something, and that was, what, five years ago. But I'm happy to say, oh, I've got a bigger land than them. So... Because I've got a corner block, whereas they're in between. Yeah.\n\nI do. In South Park. Mhmm. So, basically, it is... It's probably gone up.\n\nI'm guessing it's probably closer to the 800 mark. That... Now I've... When I got my mortgage broker to redo redo everything, they rebalanced it for me, and I put it at just an interest only repayments. The...\n\nNow the outstanding on it was 700 something. I I try to take basically as much as I can just to just not offset, you know, myself, my my income. But... Yeah. So so it's...\n\nThey did it in a way that allowed me to basically borrow against that using that and maximize my my my liability for more negative gearing. So... Yeah. Well, that... That's why I'm just...\n\nAs as I'm talking to you now, I'm actually trying to look into my things so I can tell you instead. Yeah. So so my existing home loan is a 174,000. This is probably for my my my primary... My my residential one, and that's offset by a 162,000 in my offset.\n\nAnd my investment loan... Sorry. It wasn't... Sorry. It was $8.32.\n\nSo they've maxed... They... They've they've moved things around. So it's actually based on 832, and I believe then the the loan itself is against both this house, both my primary residence and that house and investment property as well. Yep.\n\n$872.02. Yep. He he he can left it from the... Well, the the bank has used this house as part of the as part of the the the counter, yeah, the equity for for for for that here. So I guess you can less it from there.\n\nMhmm. Yes. Correct. So that will be cool just about a minute or so. Yep.\n\nMhmm. I'm just checking to see it right now. I did this all pretty much December last year. Interest rate is 6.3. The...\n\nOkay. So the loan is for thirty years. Obviously, when the when the term expiry... When the no, it's just interest only, but they haven't... They're not telling me when my interest only finishes.\n\nYeah. It's something I I need to go back into. Yeah. I need to go back and and check it through. But I think...\n\nI remember talking to him about three years at least. So... Yeah. It's for the residential or the investment? The...\n\nAnd we said residential is... Come on. K. Account details. 6.09 is my residential.\n\nAnd that's still... Well, original term's thirty years due to expire December 2055. So twenty nine years. I did it back in December last year. My residence as such, and that's 1 Hundred And 62 inside there.\n\nNo. No. No. Go ahead. Yeah.\n\n545, I think, weeks. Yeah. Yeah. No. Yeah.\n\nYeah. I still have those. I haven't done anything with them. So... Yeah.\n\nCombinations, some banks, some... What do you call it? Yeah. It's just a combination of different things. So some media, some unregulated.\n\nYeah. Well, I just I just bought them a few years back. I'd like to do more. Like like like... So so one of the plans that I do wanna do is actually just, you know, better better plan investments moving through.\n\nI'll be very honest with you, like, with your colleagues that I've spoken to, like, last year as well. I'm... I I I I help a lot of people, but I need help to help myself. And so and so I've gotta speak to, like, people who do this, you know, for a living to see how you can actually help me, you know, to to to to better structure and better things. So that's why they we...\n\nThat's why they gave me advice of to restructure my loans and and all that before. And then I said, look. We'll let you get investments. But, yeah, by... Because I moved into a new role, I didn't actually get a chance to to really, you know, sit down and then then think it through until, you know, you...\n\nThe reminder came up. Yeah. Yep. I don't sleep. I don't smoke.\n\nI don't drink. Yes. I do. With a h m. Yep.\n\nSo that's also one of the things that I do need to get done. So... Yes. Okay. Okay.\n\nThat's still something I wanted to do, though I don't... I I think I said I was looking interstate. I wasn't gonna be one in each stage, but I was looking interstate as such there. And I do also want to to look at, you know, buying properties overseas as well. So I was thinking, you know, starting with Asia, somewhere in Asia to begin with.\n\nProbably probably not Singapore. I'm originally from Singapore, but probably not Singapore, but maybe somewhere up in Malaysia or Thailand. Yeah. And then, you know, and then from there, building up from there, because I'll I'll like to also do one. I like to also...\n\nI was living in The States for time as well. I'd like to go back to The States at some point and look down there as well. But but let's just start with Asia to begin with. Southeast Asia to begin with. Well, did...\n\nSo that really, really... Not really thought further hit through on that, probably in the next five years or so. To me, it was just part of just trying to build up how I would like to see myself retiring. As... Or not retiring, but but but pulling back as I get older and just having, you know, somewhere to go and stay, you know, where where where where...\n\nAnd and travel. I I do a lot of traveling, though I do admit this has been a bit quieter because of the new role. But I do do do do a lot of traveling as well. So Mhmm. Yeah.\n\nPretty much. I'll rent it out and then, you know, for... Because because I remember, like, when I was in Malaysia, just January, like, just beginning of this year as such, you know, there were places where I could buy, like, you know, a a really nice apartment in in the city. And there were companies that actually, you know, would rent it out to to Expat, I guess. They'll manage it for you, and then, you know, I just say that, okay.\n\nI'm just gonna be here for, like, two months of the year. And then by... For the rest of the year, they'll actually manage it, and I just pay a a fee to them and then collect whatever rent that comes out from there. So Yes. I do, and I do want to learn more about it because I remember learning all this in the finance classes.\n\nBut, yes, that wasn't... Let's just say finance wasn't much on the street thinking then. So the overarching is basically, first of all, to diversify and create another income stream. It's not something that I intend to or I see myself having to live off solely, you know, at this point. But I would like to, like, whatever that I make in there to continually keep that reinvesting to continue it to grow, you know, so so so so something in that sense there.\n\nLong term, so let's take... Looking at, say, twenty years as such, you know, yes, definitely, I would like to have that supplement, you know, my retirement income for whatever I I get from superb as such. So Mhmm. Yep. Yep.\n\nMhmm. So, look, anywhere from, I don't know, 20 to 50,000, really depending on what what's Yeah. You know? That's that's what I had in my head. I think when I first talked about this last year, I was looking for about 20,000 as such just to to start putting aside.\n\nJust to help me also learn and understand this because I get that I do want... And and and and just get on top of that. And then from there, continue continue to grow because ultimately... And if it's, say, like, a five, ten year goal, you know, I'd like to have, you know, a 100, you know, a 150,000 inside here or develop it to to to to a fund of that size and such there. Yeah.\n\nDoes that make sense? I I... You know, as I said, this is where, like I said, I... I'm really not sure with such. But my my...\n\nLook. I I I should be more on top of my cash flow and expenses. I know I'm not behind on it, but I'm also not that I'm not doing enough. So I probably spend more than I should on on things and then the payments. But this is where I was hoping to see the understanding of what it is.\n\nIf I would say put in an extra, I don't know, you know, $205,100 bucks a week into this. How would that look like? And then that way I can then do the... A part of this is also helping me to just become a bit more, you know, diligent in what I do because, yeah, as I said, it's... I'm a person that needs a plan.\n\nAnd at the moment now, I see... I feel a bit like I I don't have a plan for this. I'm kind of this kind of cruising. I I know I do make... You know, I am very comfortable, and that's the part that scares me because the moment I'm comfortable, I get complacent.\n\nI I like the time of them. Thank you. Mhmm. Mhmm. I...\n\nI've really done all that and more. I'll be in China end of this month. This is all for for fun, and there's nothing work or business related in this. Next year, April next year, I'll be in Europe, Scandinavia, and then the Baltics. And and then I've got another trip to China, two more trips to Vietnam.\n\nAnd at some point, I'll be also going back to Singapore to see family, and friends as well. So, so, yes, I've got a few things put through. And I'm just trying to think what else is going through. That's what I do know now, but I'll probably put something in between now and for the end of the year. I'll be planning some stuff for next year.\n\nSo Oh, yeah. In in my yes. Yeah. In my in my... Yeah.\n\nThe Superfund, but I think that was just some of the basic stuff that was initially set up. Yes. Oh, yes. That's fine. Yes.\n\nI'm happy to let you work in too. So, yes, I had my laser surgery for my eyes, and I have changed jobs. I was I was in the process of looking at new roles back then, and then that's in this new role now. So Yeah. Yeah.\n\nWe'll keep it at that as such too there. I still see myself. I'm a person that can't sit down. That's a problem. So I can see myself having to do...\n\nWell, wanting to do stuff. I do. Mhmm. Mhmm. On this...\n\nAh, here we go. Miss Wheeler, that's you. And... Okay. Find document.\n\nHere we go. Okay. It's opened up. I'll set up your first page, which is just about my... Oh, this is my insurance.\n\nIt's... Yep. Mhmm. Yeah. Mhmm.\n\nMhmm. So so how I'm seeing it to... It says that I don't have any dependencies directly. When we talk about me wanting to draft up a will, it was more so that, you know, my sister, the one on file, Nadia, She's got four kids as such who is... Who are already nominated inside with Hub 24.\n\nOkay. So the four of them plus also I have a goddaughter. So my best friend's daughter as such there will probably be the five beneficiaries that, you know, I would nominate for my... If something were to happen to me. In terms of that, look, I would probably say, like, you know, sell off the investment property to sell off that loan.\n\nAnd then... Well, basically, just sell off all my assets itself to then help, and then whatever is left over for Google to distribute out as such to do that. In terms of it, like, my my my initial plans when I was, you know, taking this through and had the initial talk as such was to fully pay off my property, which I'm very close to doing at the moment now, my residential property, and then looking for a way to better structure my my investment property itself. I would like to get that amount, I guess, lower so that, you know, it's no longer using my residential property as equity against it. Mhmm.\n\nAnd then, you know, and then look at how I can then just build up, you know, further investments through. So does that help answer your question? Mhmm. Yeah. I'm on the part sense issue.\n\nCorrect. Yeah. Mhmm. Yep. Yep.\n\nWell, I was looking probably more than one of the night's day rate and so I'd see there. So I'm I'm I'm comfortable with this, like, expenditure, and I know I can probably cut down my expenditure more. Because we just said, look. It's going through the the the the the document. So going through the the costing expenses, you know, template that you that you'll send through, will probably be, you know, a a good...\n\nI'll say, we have to check for me to see what I can be doing better. Yep. Mhmm. Yeah. So I'll I'll let you get...\n\nLearn more about it first before I commit to anything. So Mhmm. Mhmm. Yep. Right.\n\nMhmm. It's Oklahoma s. Yeah. But but what what has been the... So as a as a comparison, what has been, like, nonethical or...\n\nI should say, this sounds really bad. But, you know, a fund that wasn't dedicated to this ethical and moral, you know, companies. How is that, you know, how is that set? I mean, I I I I I understand what I'm saying. Look.\n\nAnd I understood that when I signed up for it, though it is much lower than I was anticipating. So I was looking probably more and more close to the 7% mark for a high growth if that's true there. But as I said, coming in with... When you mentioned 4% or four... It's over 4%.\n\nMhmm. It's it's... Yeah. Well, it said... And this is where I'd like to really just understand, like, what are the the options.\n\nIt's not that I'm solely looking for escrow and more, you know, companies, but I am... You know, there are some things that, like, that that I can feel very strongly about, like certain companies I can feel very strongly about because of... I mean, so the things that that that do not take into account, like, you know, the the long term environmental sustainability here. And I know it's... Like, companies are getting better on that.\n\nAlso, companies that support things that that actually are causing... How can I put it nicely? Are causing more turmoil and strife. So things like, you know, companies in in defense, companies who do... Who create, you know, or support, you know, a lot of the...\n\nLet's just... Let's be direct... The walls that's happening in the moment there. You know? It's things like that.\n\nYou know? And I know a lot of people don't realize some of these things that went through, but this is something that, you know, to me, I'm... I I don't feel comfortable knowing that I'm making money from, you know, a company that's making bullets that's killing children. So Mhmm. Mhmm.\n\nAlright. And and look... And this is where I said I do wanna just... If I know my options, like I said, I'm not solely, like like like like, I'm I'm not like a like a full green, you know, leftist. I don't wanna get to.\n\nBut, you know, I'm probably more more central, but more ethical to to make sure that, you know, the things that we are doing are... The the money that I am putting aside for this is not going to think that's causing more heat in the world, if that makes sense. Yeah. So that's something I'm comfortable with. Like, even just looking at this, you know...\n\nYeah. If we just went straight into bonds as such, I would probably be high... It's still higher than what I've got now. So, yeah, but look, I said I I... I'm comfortable with that one in terms of the.\n\nAll good. All good. I'm... I've... You you you send you send an annual version of this.\n\nSo Alright. Uh-huh. Mhmm. Okay. No questions so far.\n\nBut, look, I'll I'll I'll review through the document as such there just to see what's changed and that, you know, I'm comfortable with the things. And then, you know, I'll probably sign it off and then send it back through to this... Yourselves. Mhmm. No.\n\nMhmm. Look. I'm I'm happy with that too. So in in terms of it, I'm just recapping on a form on my side what I need to do. So I'll complete the the cash flow documents that you'll send through.\n\nYou'll send me then the... Basically a summary of what we've discussed here. And then in about three to four weeks' time, we'll probably have another catch up to then talk about, you know, what does it look like from an investment and if anything else that needs to change. After... Yeah.\n\nYeah. After after you've reviewed through my my cash flow. Part of this... As you mentioned before, you mentioned about will and power of attorney and those kind of things. Is that part of the time, or is it something that we do at the second the second time?\n\nMhmm. Okay. Fantastic. And then, let's see. My only other question was...\n\nOkay. So you mentioned below with the investments and if we want to go... That that does incur additional fee and additional ongoing charge as well. Fantastic. Okay.\n\nFantastic. Thank you very much, Shannon. It was a pleasure speaking with you and and helping keeping me accountable for all disciplines at least, you know, in terms of trying to... I'm trying to be talking for myself as opposed to helping everybody else. So fantastic.\n\nThank you. So I'll look out for your emails on this one. So, yeah, I'll send it back, and then we'll be in touch and talk soon.. Thank you. Have a good one.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.27605481445789337},{"text":"It's Samantha speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.1456505407889684},{"text":"Good, Nikisha.","start":8.4,"end":9.22,"sentiment":"positive","sentiment_score":0.4264789968729019},{"text":"How are you doing?","start":9.28,"end":10.179999,"sentiment":"neutral","sentiment_score":0.3181731626391411},{"text":"Yep.","start":16.465,"end":16.965,"sentiment":"neutral","sentiment_score":0.0755777359008789}],"sentiment":"neutral","sentiment_score":0.2658574692904949,"num_words":12,"start":1.5999999,"end":16.965},{"sentences":[{"text":"All good.","start":18.945,"end":19.665,"sentiment":"positive","sentiment_score":0.3685196191072464},{"text":"All good.","start":19.665,"end":20.404999,"sentiment":"positive","sentiment_score":0.34448136389255524},{"text":"It's a mother, the date of August 1978.","start":26.785,"end":30.6,"sentiment":"neutral","sentiment_score":0.0033487470645923167},{"text":"And I think I've got you down at 269 Marathon Boulevard, Craigieburn.","start":31.56,"end":35.58,"sentiment":"neutral","sentiment_score":0.009841217814634243},{"text":"Other than that, I've just got two properties attached there, but this is the main one that we use.","start":39.56,"end":44.38,"sentiment":"neutral","sentiment_score":0.01080304622576621}],"sentiment":"neutral","sentiment_score":0.04130568452515141,"num_words":43,"start":18.945,"end":44.38},{"sentences":[{"text":"So Yep.","start":44.6,"end":55.515,"sentiment":"neutral","sentiment_score":0.22622873168438673},{"text":"Yep.","start":55.515,"end":55.835,"sentiment":"neutral","sentiment_score":0.023814737796783447},{"text":"Yep.","start":55.835,"end":56.155,"sentiment":"neutral","sentiment_score":0.04338739812374115},{"text":"I do.","start":56.155,"end":56.715,"sentiment":"neutral","sentiment_score":0.06715627014636993},{"text":"And it's...","start":56.715,"end":57.375,"sentiment":"neutral","sentiment_score":0.025774534791707993}],"sentiment":"neutral","sentiment_score":0.08819015114568174,"num_words":8,"start":44.6,"end":57.375},{"sentences":[{"text":"And thank you for trying to get in touch with us because me quite busy.","start":57.995,"end":61.24,"sentiment":"neutral","sentiment_score":0.09597104812661807},{"text":"But, yes, you've got me for at least the next hour or so.","start":61.24,"end":64.3,"sentiment":"neutral","sentiment_score":0.05900621614777125},{"text":"Okay.","start":80.795,"end":81.274994,"sentiment":"neutral","sentiment_score":-0.015303460881114006},{"text":"That was...","start":81.274994,"end":81.835,"sentiment":"neutral","sentiment_score":-0.018823247402906418},{"text":"Would have been back in...","start":81.835,"end":83.295,"sentiment":"neutral","sentiment_score":-0.03926314935088158}],"sentiment":"neutral","sentiment_score":0.05437168970497118,"num_words":36,"start":57.995,"end":83.295},{"sentences":[{"text":"Oh, when would that would have been?","start":84.23499,"end":85.674995,"sentiment":"neutral","sentiment_score":-0.045482607292277474},{"text":"Was it September of last year or August last year?","start":85.674995,"end":88.634995,"sentiment":"neutral","sentiment_score":-0.040391677245497706},{"text":"It was, like, Even more.","start":88.634995,"end":101.18,"sentiment":"neutral","sentiment_score":-0.04817638695240021},{"text":"Okay.","start":101.18,"end":101.68,"sentiment":"neutral","sentiment_score":-0.010780159384012222},{"text":"Okay.","start":101.765,"end":101.924995,"sentiment":"neutral","sentiment_score":-0.010489082895219326}],"sentiment":"neutral","sentiment_score":-0.04101859168925633,"num_words":24,"start":84.23499,"end":101.924995},{"sentences":[{"text":"Yeah.","start":101.924995,"end":102.085,"sentiment":"neutral","sentiment_score":-0.009392567910254002},{"text":"So so so that that allows me to know exactly what's happened since then.","start":102.085,"end":106.665,"sentiment":"neutral","sentiment_score":-0.02711592082466398},{"text":"Okay.","start":107.125,"end":107.524994,"sentiment":"neutral","sentiment_score":-0.02175205200910568},{"text":"I've moved jobs.","start":107.524994,"end":109.545,"sentiment":"neutral","sentiment_score":-0.044069369633992515},{"text":"I've changed jobs as such to a different company still within government as such, but I've moved from...","start":109.604996,"end":118.62,"sentiment":"neutral","sentiment_score":-0.019834944512695074}],"sentiment":"neutral","sentiment_score":-0.024324449232301197,"num_words":37,"start":101.924995,"end":118.62},{"sentences":[{"text":"I think I headed down as Department of Transport and Plant in in Victoria.","start":118.76,"end":124.060005,"sentiment":"neutral","sentiment_score":-0.0089341784561319},{"text":"I've now moved to AIMS Australia, a m e s.","start":124.200005,"end":127.9,"sentiment":"neutral","sentiment_score":-0.001978504844009876},{"text":"Yep.","start":130.195,"end":130.695,"sentiment":"neutral","sentiment_score":0.013819943182170393},{"text":"Australia.","start":130.755,"end":131.255,"sentiment":"neutral","sentiment_score":0.014159861952066422},{"text":"The role I'm doing is...","start":134.27501,"end":137.255,"sentiment":"neutral","sentiment_score":0.00726764565333724}],"sentiment":"neutral","sentiment_score":-0.0025982423685491085,"num_words":31,"start":118.76,"end":137.255},{"sentences":[{"text":"What's my title?","start":138.99501,"end":139.795,"sentiment":"neutral","sentiment_score":0.0025703641586005688},{"text":"Director of strategic of strategy and projects.","start":139.795,"end":142.455,"sentiment":"neutral","sentiment_score":0.010335067154041358},{"text":"In terms of it...","start":147.3,"end":148.26,"sentiment":"neutral","sentiment_score":0.0027008861070498824},{"text":"Oh, I can't even remember.","start":148.26,"end":149.48,"sentiment":"neutral","sentiment_score":-0.06115370318293571},{"text":"I am on on more money.","start":150.18,"end":154.04,"sentiment":"neutral","sentiment_score":-0.06877064146101475}],"sentiment":"neutral","sentiment_score":-0.02510129030793905,"num_words":25,"start":138.99501,"end":154.04},{"sentences":[{"text":"I can't remember what I was when I told...","start":154.34,"end":156.34,"sentiment":"neutral","sentiment_score":-0.025162854749295447},{"text":"What I told you back then, but I'm roughly about $2.30 now.","start":156.34,"end":161.295,"sentiment":"neutral","sentiment_score":-0.00917881193163339},{"text":"230.","start":161.295,"end":162.915,"sentiment":"neutral","sentiment_score":0.0016083180671557784},{"text":"No.","start":165.215,"end":165.295,"sentiment":"neutral","sentiment_score":-0.07145719230175018},{"text":"Before super.","start":165.295,"end":166.175,"sentiment":"neutral","sentiment_score":-0.05240667052567005}],"sentiment":"neutral","sentiment_score":-0.02045094604836777,"num_words":25,"start":154.34,"end":166.175},{"sentences":[{"text":"Sorry.","start":166.175,"end":166.675,"sentiment":"neutral","sentiment_score":-0.061712805181741714},{"text":"So so so super is is on top of that.","start":168.415,"end":171.56,"sentiment":"neutral","sentiment_score":0.10756945498287677},{"text":"So with super, like, 200 and something.","start":171.56,"end":173.98,"sentiment":"neutral","sentiment_score":0.02967324693288122},{"text":"Yeah.","start":174.2,"end":174.7,"sentiment":"neutral","sentiment_score":0.08088251948356628},{"text":"Nothing yet.","start":185.895,"end":186.795,"sentiment":"neutral","sentiment_score":-0.08824603259563446}],"sentiment":"neutral","sentiment_score":0.05362309178426152,"num_words":21,"start":166.175,"end":186.795},{"sentences":[{"text":"Nothing that I can think of.","start":187.495,"end":189.035,"sentiment":"neutral","sentiment_score":-0.13426915928721428},{"text":"That's probably the biggest change.","start":189.255,"end":190.795,"sentiment":"neutral","sentiment_score":-0.09472720846533775},{"text":"In terms of it from, I guess, what do you call it, financial perspective?","start":192.055,"end":197.595,"sentiment":"neutral","sentiment_score":0.00527978568736996},{"text":"I paid off my HECS, my HELP loan.","start":197.97499,"end":201.01,"sentiment":"neutral","sentiment_score":0.015199371497146785},{"text":"Uh-huh.","start":203.39,"end":203.89,"sentiment":"neutral","sentiment_score":0.09437619149684906}],"sentiment":"neutral","sentiment_score":-0.029098906910375637,"num_words":34,"start":187.495,"end":203.89},{"sentences":[{"text":"So, yes, so so that...","start":204.26999,"end":205.54999,"sentiment":"neutral","sentiment_score":0.04030180685222149},{"text":"That's...","start":205.54999,"end":206.04999,"sentiment":"neutral","sentiment_score":0.043413061648607254},{"text":"It's great to actually start getting, you know, 10% back.","start":206.11,"end":208.51,"sentiment":"positive","sentiment_score":0.5364299833774566},{"text":"Okay.","start":208.51,"end":209.01,"sentiment":"neutral","sentiment_score":0.19159001111984253},{"text":"Yeah.","start":209.70999,"end":210.20999,"sentiment":"neutral","sentiment_score":0.15598401427268982}],"sentiment":"neutral","sentiment_score":0.33093310861537856,"num_words":18,"start":204.26999,"end":210.20999},{"sentences":[{"text":"Yeah.","start":210.59,"end":211.09,"sentiment":"neutral","sentiment_score":0.13888922333717346},{"text":"And I see that that one's being paid off.","start":212.03,"end":215.145,"sentiment":"neutral","sentiment_score":0.2031516863240136},{"text":"Seems anything else...","start":217.225,"end":218.065,"sentiment":"neutral","sentiment_score":0.13879556953907013},{"text":"I haven't made any large purchases or, like, investments or something like that in the last few months.","start":218.065,"end":225.085,"sentiment":"neutral","sentiment_score":0.011599338225399455},{"text":"Yeah.","start":227.465,"end":227.865,"sentiment":"neutral","sentiment_score":0.04899846762418747}],"sentiment":"neutral","sentiment_score":0.08254461451724637,"num_words":32,"start":210.59,"end":227.865},{"sentences":[{"text":"Pretty much.","start":227.865,"end":228.505,"sentiment":"neutral","sentiment_score":0.06637111492455006},{"text":"It's just, yeah, I think it's...","start":228.505,"end":230.39,"sentiment":"neutral","sentiment_score":0.021087254708011944},{"text":"My my my status is still great.","start":230.39,"end":231.83,"sentiment":"neutral","sentiment_score":0.059415275497095923},{"text":"Same.","start":231.83,"end":232.15,"sentiment":"neutral","sentiment_score":0.07426716387271881},{"text":"I'm still single.","start":232.15,"end":232.97,"sentiment":"neutral","sentiment_score":0.043620546658833824}],"sentiment":"neutral","sentiment_score":0.04633165739084545,"num_words":19,"start":227.865,"end":232.97},{"sentences":[{"text":"I thought through there.","start":233.35,"end":235.29,"sentiment":"neutral","sentiment_score":0.04125203937292099},{"text":"Yeah.","start":236.87,"end":237.35,"sentiment":"neutral","sentiment_score":0.1268043965101242},{"text":"I think I think that's pretty much for it.","start":237.35,"end":239.19,"sentiment":"neutral","sentiment_score":0.2215593953927358},{"text":"Is there anything else?","start":239.19,"end":239.91,"sentiment":"neutral","sentiment_score":0.0866946130990982},{"text":"I'm just trying to see what else to do would be of significance for you.","start":239.91,"end":243.05,"sentiment":"neutral","sentiment_score":0.06116111228863398}],"sentiment":"neutral","sentiment_score":0.10757703785643433,"num_words":33,"start":233.35,"end":243.05},{"sentences":[{"text":"Yeah.","start":243.375,"end":243.875,"sentiment":"neutral","sentiment_score":0.1129782572388649},{"text":"Yeah.","start":257.215,"end":257.295,"sentiment":"neutral","sentiment_score":0.041713036596775055},{"text":"Yeah.","start":257.295,"end":257.375,"sentiment":"neutral","sentiment_score":0.03178899735212326},{"text":"Yeah.","start":257.375,"end":257.535,"sentiment":"neutral","sentiment_score":0.030914228409528732},{"text":"Yeah.","start":257.535,"end":257.91,"sentiment":"neutral","sentiment_score":0.028538770973682404}],"sentiment":"neutral","sentiment_score":0.04918665811419487,"num_words":5,"start":243.375,"end":257.91},{"sentences":[{"text":"Still the same.","start":264.87,"end":265.51,"sentiment":"neutral","sentiment_score":0.019178995862603188},{"text":"So mothershimmy@alphabets.com?","start":265.51,"end":267.77,"sentiment":"neutral","sentiment_score":0.03943826071918011},{"text":"Any dependents?","start":273.585,"end":274.385,"sentiment":"neutral","sentiment_score":-0.004632510244846345},{"text":"No.","start":274.385,"end":274.705,"sentiment":"neutral","sentiment_score":-0.14547738432884216},{"text":"I just have no children.","start":274.705,"end":275.845,"sentiment":"neutral","sentiment_score":-0.14596624076366424}],"sentiment":"neutral","sentiment_score":-0.057550776893129714,"num_words":13,"start":264.87,"end":275.845},{"sentences":[{"text":"Yeah.","start":280.545,"end":280.865,"sentiment":"neutral","sentiment_score":0.10145942866802216},{"text":"I do.","start":280.865,"end":281.345,"sentiment":"neutral","sentiment_score":0.16052554547786713},{"text":"Correct.","start":281.345,"end":281.745,"sentiment":"neutral","sentiment_score":0.18173335492610931},{"text":"Yep.","start":281.745,"end":282.245,"sentiment":"neutral","sentiment_score":0.1360127180814743},{"text":"That's still correct.","start":285.665,"end":286.545,"sentiment":"neutral","sentiment_score":0.13162891815106073}],"sentiment":"neutral","sentiment_score":0.14189291838556528,"num_words":8,"start":280.545,"end":286.545},{"sentences":[{"text":"Yep.","start":286.545,"end":287.045,"sentiment":"neutral","sentiment_score":0.07402682304382324},{"text":"At enrollment now, I'm actually building the five year strategy for an organization.","start":297.6,"end":304.195,"sentiment":"neutral","sentiment_score":0.024574395125875108},{"text":"After this...","start":306.57498,"end":307.395,"sentiment":"neutral","sentiment_score":-0.0011981825809925795},{"text":"Maybe 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years.","start":323.97,"end":327.35,"sentiment":"neutral","sentiment_score":0.04277054481208324},{"text":"Straight after that, I'll probably start building or developing kind of like an enterprise PMO type office.","start":328.785,"end":336.54498,"sentiment":"neutral","sentiment_score":0.026698059347622535}],"sentiment":"neutral","sentiment_score":-0.0040837955931502,"num_words":62,"start":313.055,"end":336.54498},{"sentences":[{"text":"So I'll set that one up as such.","start":336.54498,"end":339.525,"sentiment":"neutral","sentiment_score":0.05995004763826728},{"text":"And then I know later next year, they'll probably put me into one of the portfolios because one of the GMs is about to leave, but there's a lot of problems in there.","start":339.66498,"end":349.87,"sentiment":"neutral","sentiment_score":-0.026558601438547626},{"text":"And so they want me to do a full review and then kind of get things back in shape so that, you know, we can move forward with 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Mhmm.","start":678.8,"end":681.63,"sentiment":"neutral","sentiment_score":0.3041207045316696},{"text":"Okay.","start":692.055,"end":692.375,"sentiment":"neutral","sentiment_score":0.28545284271240234}],"sentiment":"neutral","sentiment_score":0.13208142668008804,"num_words":46,"start":666.03503,"end":692.375},{"sentences":[{"text":"Cool.","start":692.375,"end":692.615,"sentiment":"positive","sentiment_score":0.45666274428367615},{"text":"Cool.","start":692.615,"end":693.115,"sentiment":"positive","sentiment_score":0.3361548185348511},{"text":"Yes.","start":703.495,"end":703.995,"sentiment":"neutral","sentiment_score":0.09584113955497742},{"text":"I do.","start":704.375,"end":705.115,"sentiment":"neutral","sentiment_score":0.08769049867987633},{"text":"So for my own home, it's roughly about 170 something 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$6.40.","start":733.88,"end":740.13995,"sentiment":"neutral","sentiment_score":-0.020400427219768365}],"sentiment":"neutral","sentiment_score":-0.06775163120885448,"num_words":41,"start":720.525,"end":740.13995},{"sentences":[{"text":"And I purchased mine for $4.20 something, and that was, what, five years ago.","start":742.04,"end":750.375,"sentiment":"neutral","sentiment_score":0.009413222915359907},{"text":"But I'm happy to say, oh, I've got a bigger land than them.","start":754.595,"end":756.83496,"sentiment":"neutral","sentiment_score":0.19152338115068582},{"text":"So...","start":756.83496,"end":757.07495,"sentiment":"neutral","sentiment_score":0.01666390337049961},{"text":"Because I've got a corner block, whereas they're in 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Thailand.","start":1291.4049,"end":1296.625,"sentiment":"neutral","sentiment_score":0.1107453943695873},{"text":"Yeah.","start":1299.0049,"end":1299.325,"sentiment":"neutral","sentiment_score":0.14391791820526123},{"text":"And then, you know, and then from there, building up from there, because I'll I'll like to also do one.","start":1299.325,"end":1303.1649,"sentiment":"neutral","sentiment_score":0.20353571102023124},{"text":"I like to also...","start":1303.1649,"end":1303.725,"sentiment":"neutral","sentiment_score":0.1977703794836998}],"sentiment":"neutral","sentiment_score":0.16024958565831185,"num_words":45,"start":1289.8849,"end":1303.725},{"sentences":[{"text":"I was living in The States for time as well.","start":1303.725,"end":1305.54,"sentiment":"neutral","sentiment_score":0.1414121925830841},{"text":"I'd like to go back to The States at some point and look down there as 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build up how I would like to see myself retiring.","start":1330.225,"end":1335.205,"sentiment":"neutral","sentiment_score":0.10678804870694876},{"text":"As...","start":1336.39,"end":1336.71,"sentiment":"neutral","sentiment_score":0.03515484184026718},{"text":"Or not retiring, but but but pulling back as I get older and just having, you know, somewhere to go and stay, you know, where where where where...","start":1336.71,"end":1346.41,"sentiment":"neutral","sentiment_score":0.06727678568235465}],"sentiment":"neutral","sentiment_score":-0.0055383135281179266,"num_words":69,"start":1321.825,"end":1346.41},{"sentences":[{"text":"And and travel.","start":1347.1901,"end":1347.91,"sentiment":"neutral","sentiment_score":0.066620039443175},{"text":"I I do a lot of traveling, though I do admit this has been a bit quieter because of the new role.","start":1347.91,"end":1353.345,"sentiment":"neutral","sentiment_score":0.1140953806990927},{"text":"But I do do do do a lot of traveling as 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city.","start":1371.14,"end":1386.4551,"sentiment":"neutral","sentiment_score":0.32800716161727905},{"text":"And there were companies that actually, you know, would rent it out to to Expat, I guess.","start":1386.755,"end":1392.2151,"sentiment":"neutral","sentiment_score":0.22557923285400167},{"text":"They'll manage it for you, and then, you know, I just say that, okay.","start":1392.9401,"end":1395.1001,"sentiment":"neutral","sentiment_score":0.28732175486428396}],"sentiment":"neutral","sentiment_score":0.29654897264687413,"num_words":83,"start":1368.5,"end":1395.1001},{"sentences":[{"text":"I'm just gonna be here for, like, two months of the year.","start":1395.1001,"end":1397.4401,"sentiment":"neutral","sentiment_score":0.2771216593682766},{"text":"And then by...","start":1397.5801,"end":1398.14,"sentiment":"neutral","sentiment_score":0.09464213997125626},{"text":"For the rest of the year, they'll actually manage it, and I just pay a a fee to them and then collect whatever rent that 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where I was hoping to see the understanding of what it is.","start":1620.115,"end":1623.7949,"sentiment":"neutral","sentiment_score":0.03773607065280279}],"sentiment":"neutral","sentiment_score":0.0052655198473910815,"num_words":61,"start":1599.7749,"end":1623.7949},{"sentences":[{"text":"If I would say put in an extra, I don't know, you know, $205,100 bucks a week into this.","start":1623.7949,"end":1632.74,"sentiment":"neutral","sentiment_score":0.013089730061198535},{"text":"How would that look like?","start":1632.74,"end":1634.12,"sentiment":"neutral","sentiment_score":0.03538366332650185},{"text":"And then that way I can then do the...","start":1635.46,"end":1636.98,"sentiment":"neutral","sentiment_score":0.08024943951103422},{"text":"A part of this is also helping me to just become a bit more, you know, diligent in what I do because, yeah, as I said, it's...","start":1636.98,"end":1647.475,"sentiment":"neutral","sentiment_score":0.2323548871058005},{"text":"I'm a person that 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yes.","start":1807.6901,"end":1808.17,"sentiment":"neutral","sentiment_score":0.02008039876818657},{"text":"That's fine.","start":1808.17,"end":1808.8301,"sentiment":"neutral","sentiment_score":0.04646623879671097},{"text":"Yes.","start":1815.605,"end":1815.9249,"sentiment":"neutral","sentiment_score":0.24054323136806488}],"sentiment":"neutral","sentiment_score":0.0018280247459188104,"num_words":24,"start":1790.105,"end":1815.9249},{"sentences":[{"text":"I'm happy to let you work in too.","start":1815.9249,"end":1817.365,"sentiment":"positive","sentiment_score":0.61709288880229},{"text":"So, yes, I had my laser surgery for my eyes, and I have changed jobs.","start":1817.365,"end":1822.085,"sentiment":"neutral","sentiment_score":0.1569370821118355},{"text":"I was I was in the process of looking at new roles back then, and then that's in this new role now.","start":1822.085,"end":1828.325,"sentiment":"neutral","sentiment_score":0.1492885317314755},{"text":"So Yeah.","start":1828.325,"end":1856.365,"sentiment":"neutral","sentiment_score":0.17858954425901175},{"text":"Yeah.","start":1856.365,"end":1856.865,"sentiment":"neutral","sentiment_score":-0.028933310881257057}],"sentiment":"neutral","sentiment_score":0.2271540170380225,"num_words":48,"start":1815.9249,"end":1856.865},{"sentences":[{"text":"We'll keep it at that as such too there.","start":1857.0701,"end":1858.91,"sentiment":"neutral","sentiment_score":-0.09191455278131697},{"text":"I still see myself.","start":1858.91,"end":1859.9701,"sentiment":"neutral","sentiment_score":-0.3034709393978119},{"text":"I'm a person that can't sit down.","start":1860.11,"end":1861.23,"sentiment":"negative","sentiment_score":-0.37380953771727427},{"text":"That's a problem.","start":1861.23,"end":1862.03,"sentiment":"negative","sentiment_score":-0.34764588872591656},{"text":"So I can see myself having to 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go.","start":1919.6699,"end":1920.8099,"sentiment":"neutral","sentiment_score":0.03848820086568594},{"text":"Miss Wheeler, that's you.","start":1921.51,"end":1923.21,"sentiment":"neutral","sentiment_score":0.03345669060945511},{"text":"And...","start":1925.51,"end":1926.01,"sentiment":"neutral","sentiment_score":-0.01851138100028038},{"text":"Okay.","start":1927.4299,"end":1927.6699,"sentiment":"neutral","sentiment_score":0.02989613451063633},{"text":"Find document.","start":1927.6699,"end":1928.49,"sentiment":"neutral","sentiment_score":0.006328702904284}],"sentiment":"neutral","sentiment_score":0.02598514376829068,"num_words":12,"start":1919.6699,"end":1928.49},{"sentences":[{"text":"Here we go.","start":1928.505,"end":1932.765,"sentiment":"neutral","sentiment_score":0.042376586546500526},{"text":"Okay.","start":1937.225,"end":1937.705,"sentiment":"neutral","sentiment_score":0.05828613042831421},{"text":"It's opened 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so how I'm seeing it to...","start":2015.465,"end":2017.5449,"sentiment":"neutral","sentiment_score":-0.006441154916371618},{"text":"It says that I don't have any dependencies directly.","start":2017.5449,"end":2021.245,"sentiment":"neutral","sentiment_score":-0.25705139007833266},{"text":"When we talk about me wanting to draft up a will, it was more so that, you know, my sister, the one on file, Nadia, She's got four kids as such who is...","start":2022.745,"end":2035.3701,"sentiment":"neutral","sentiment_score":0.011082878110535217},{"text":"Who are already nominated inside with Hub 24.","start":2035.3701,"end":2039.0701,"sentiment":"neutral","sentiment_score":0.039903514785692096}],"sentiment":"neutral","sentiment_score":-0.029662215728955024,"num_words":58,"start":1989.365,"end":2039.0701},{"sentences":[{"text":"Okay.","start":2040.3301,"end":2040.8301,"sentiment":"neutral","sentiment_score":0.06694653630256653},{"text":"So the four of them plus also I have a 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help, and then whatever is left over for Google to distribute out as such to do that.","start":2069.03,"end":2081.775,"sentiment":"neutral","sentiment_score":-0.036338955629616976},{"text":"In terms of it, like, my my my initial plans when I was, you know, taking this through and had the initial talk as such was to fully pay off my property, which I'm very close to doing at the moment now, my residential property, and then looking for a way to better structure my my investment property itself.","start":2082.2349,"end":2103.415,"sentiment":"neutral","sentiment_score":-0.03896746623440314},{"text":"I would like to get that amount, I guess, lower so that, you know, it's no longer using my residential property as equity against it.","start":2103.795,"end":2113.175,"sentiment":"neutral","sentiment_score":0.013844516426324845},{"text":"Mhmm.","start":2114.435,"end":2114.935,"sentiment":"neutral","sentiment_score":0.019484523683786392}],"sentiment":"neutral","sentiment_score":-0.02637642706217973,"num_words":115,"start":2067.59,"end":2114.935},{"sentences":[{"text":"And then, you know, and then look at how I can then just build up, you know, further investments through.","start":2115.29,"end":2119.69,"sentiment":"neutral","sentiment_score":0.04016759134829044},{"text":"So does that help answer your question?","start":2119.69,"end":2122.1099,"sentiment":"neutral","sentiment_score":0.05953049287199974},{"text":"Mhmm.","start":2138.815,"end":2139.315,"sentiment":"neutral","sentiment_score":0.012961354106664658},{"text":"Yeah.","start":2139.695,"end":2140.015,"sentiment":"neutral","sentiment_score":0.004234624095261097},{"text":"I'm on the part sense issue.","start":2140.015,"end":2141.295,"sentiment":"neutral","sentiment_score":-0.030102223468323547}],"sentiment":"neutral","sentiment_score":0.030189940413194043,"num_words":35,"start":2115.29,"end":2141.295},{"sentences":[{"text":"Correct.","start":2141.295,"end":2141.695,"sentiment":"neutral","sentiment_score":0.08166030049324036},{"text":"Yeah.","start":2141.695,"end":2142.195,"sentiment":"neutral","sentiment_score":0.1236645132303238},{"text":"Mhmm.","start":2154.33,"end":2154.615,"sentiment":"neutral","sentiment_score":-0.030580351129174232},{"text":"Yep.","start":2227.8599,"end":2228.02,"sentiment":"neutral","sentiment_score":0.17805127799510956},{"text":"Yep.","start":2228.02,"end":2228.52,"sentiment":"neutral","sentiment_score":0.26712000370025635}],"sentiment":"neutral","sentiment_score":0.12398314885795117,"num_words":5,"start":2141.295,"end":2228.52},{"sentences":[{"text":"Well, I was looking probably more than one of the night's day rate and so I'd see 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for me to see what I can be doing better.","start":2257.82,"end":2261.1199,"sentiment":"neutral","sentiment_score":-0.18927855882793665},{"text":"Yep.","start":2272.9548,"end":2273.4548,"sentiment":"neutral","sentiment_score":0.12703987956047058},{"text":"Mhmm.","start":2330.135,"end":2330.635,"sentiment":"neutral","sentiment_score":0.0066237798891961575},{"text":"Yeah.","start":2330.695,"end":2331.095,"sentiment":"neutral","sentiment_score":0.03931888565421104},{"text":"So I'll I'll let you get...","start":2331.095,"end":2332.215,"sentiment":"neutral","sentiment_score":0.05103551782667637}],"sentiment":"neutral","sentiment_score":-0.10197045156732201,"num_words":25,"start":2257.82,"end":2332.215},{"sentences":[{"text":"Learn more about it first before I commit to anything.","start":2332.215,"end":2334.715,"sentiment":"neutral","sentiment_score":0.09868167564272881},{"text":"So Mhmm.","start":2334.7751,"end":2346.15,"sentiment":"neutral","sentiment_score":0.10373733192682266},{"text":"Mhmm.","start":2354.085,"end":2354.585,"sentiment":"neutral","sentiment_score":0.12433435767889024},{"text":"Yep.","start":2359.765,"end":2360.265,"sentiment":"neutral","sentiment_score":0.220741868019104},{"text":"Right.","start":2365.445,"end":2365.945,"sentiment":"neutral","sentiment_score":-0.053793374449014664}],"sentiment":"neutral","sentiment_score":0.09903828476866086,"num_words":15,"start":2332.215,"end":2365.945},{"sentences":[{"text":"Mhmm.","start":2421.975,"end":2422.0552,"sentiment":"neutral","sentiment_score":-0.013519017025828362},{"text":"It's Oklahoma s.","start":2422.0552,"end":2423.435,"sentiment":"neutral","sentiment_score":-0.03994884931792816},{"text":"Yeah.","start":2424.535,"end":2425.035,"sentiment":"neutral","sentiment_score":-0.0016338098794221878},{"text":"But but what what has been the...","start":2426.25,"end":2428.99,"sentiment":"neutral","sentiment_score":-0.047310874930449894},{"text":"So as a as a comparison, what has been, like, nonethical or...","start":2429.37,"end":2434.0498,"sentiment":"neutral","sentiment_score":-0.17451474318901697}],"sentiment":"neutral","sentiment_score":-0.10668135073501617,"num_words":24,"start":2421.975,"end":2434.0498},{"sentences":[{"text":"I should say, this sounds really bad.","start":2434.0498,"end":2436.35,"sentiment":"negative","sentiment_score":-0.3950084320136479},{"text":"But, you know, a fund that wasn't dedicated to this ethical and moral, you know, companies.","start":2436.4102,"end":2443.0251,"sentiment":"neutral","sentiment_score":-0.15467165131121874},{"text":"How is that, you know, how is that set?","start":2443.245,"end":2445.2651,"sentiment":"neutral","sentiment_score":-0.03222521746324168},{"text":"I mean, I I I I I understand what I'm saying.","start":2493.595,"end":2495.835,"sentiment":"neutral","sentiment_score":-0.09317353706468236},{"text":"Look.","start":2495.835,"end":2496.075,"sentiment":"neutral","sentiment_score":-0.048977769911289215}],"sentiment":"neutral","sentiment_score":-0.15008452454243193,"num_words":44,"start":2434.0498,"end":2496.075},{"sentences":[{"text":"And I understood that when I signed up for it, though it is much lower than I was anticipating.","start":2496.075,"end":2502.335,"sentiment":"neutral","sentiment_score":-0.12923187389969826},{"text":"So I was looking probably more and more close to the 7% mark for a high growth if that's true there.","start":2502.395,"end":2509.59,"sentiment":"neutral","sentiment_score":0.06544498034885951},{"text":"But as I said, coming in with...","start":2509.59,"end":2511.35,"sentiment":"neutral","sentiment_score":-0.02102700195142201},{"text":"When you mentioned 4% or four...","start":2511.35,"end":2512.87,"sentiment":"neutral","sentiment_score":-0.03533592447638512},{"text":"It's over 4%.","start":2512.87,"end":2514.09,"sentiment":"neutral","sentiment_score":-0.022718591925998528}],"sentiment":"neutral","sentiment_score":-0.0269360955904371,"num_words":56,"start":2496.075,"end":2514.09},{"sentences":[{"text":"Mhmm.","start":2514.6301,"end":2515.1301,"sentiment":"neutral","sentiment_score":0.01020175963640213},{"text":"It's it's...","start":2515.27,"end":2515.99,"sentiment":"neutral","sentiment_score":0.006987335160374641},{"text":"Yeah.","start":2515.99,"end":2516.49,"sentiment":"neutral","sentiment_score":0.031953148543834686},{"text":"Well, it said...","start":2569.99,"end":2570.89,"sentiment":"neutral","sentiment_score":-0.039148036390542984},{"text":"And this is where I'd like to really just understand, like, what are the the 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it's...","start":2606.565,"end":2607.925,"sentiment":"neutral","sentiment_score":-0.11479056999087334},{"text":"Like, companies are getting better on that.","start":2607.925,"end":2609.865,"sentiment":"neutral","sentiment_score":-0.18698451135839736}],"sentiment":"neutral","sentiment_score":-0.10229129138608258,"num_words":77,"start":2577.615,"end":2609.865},{"sentences":[{"text":"Also, companies that support things that that actually are causing...","start":2610.885,"end":2615.86,"sentiment":"neutral","sentiment_score":-0.22175472974777222},{"text":"How can I put it nicely?","start":2616.32,"end":2617.54,"sentiment":"neutral","sentiment_score":-0.22795967757701874},{"text":"Are causing more turmoil and strife.","start":2617.6,"end":2621.62,"sentiment":"negative","sentiment_score":-0.6744325657685598},{"text":"So things like, you know, companies in in defense, companies who do...","start":2622.0,"end":2626.72,"sentiment":"neutral","sentiment_score":-0.1870624991133809},{"text":"Who create, you know, or support, you know, a lot of the...","start":2626.72,"end":2632.045,"sentiment":"neutral","sentiment_score":-0.05923984354982773}],"sentiment":"neutral","sentiment_score":-0.23016367107629776,"num_words":46,"start":2610.885,"end":2632.045},{"sentences":[{"text":"Let's just...","start":2634.825,"end":2635.545,"sentiment":"neutral","sentiment_score":-0.03022798616439104},{"text":"Let's be direct...","start":2635.545,"end":2637.165,"sentiment":"neutral","sentiment_score":-0.03341002079347769},{"text":"The walls that's happening in the moment there.","start":2637.385,"end":2639.025,"sentiment":"neutral","sentiment_score":-0.11672001425176859},{"text":"You know?","start":2639.025,"end":2639.645,"sentiment":"neutral","sentiment_score":-0.09021521359682083},{"text":"It's things like 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Mhmm.","start":2657.5251,"end":2662.5151,"sentiment":"neutral","sentiment_score":-0.09319597482681274},{"text":"Mhmm.","start":2673.09,"end":2673.59,"sentiment":"neutral","sentiment_score":-0.184760719537735}],"sentiment":"negative","sentiment_score":-0.39675703329535633,"num_words":52,"start":2641.465,"end":2673.59},{"sentences":[{"text":"Alright.","start":2679.97,"end":2680.29,"sentiment":"neutral","sentiment_score":0.02869008481502533},{"text":"And and look...","start":2680.29,"end":2681.73,"sentiment":"neutral","sentiment_score":-0.004541473463177681},{"text":"And this is where I said I do wanna just...","start":2681.73,"end":2683.57,"sentiment":"neutral","sentiment_score":-0.004748167935758829},{"text":"If I know my options, like I said, I'm not solely, like like like like, I'm I'm not like a like a full green, you know, leftist.","start":2683.57,"end":2691.125,"sentiment":"neutral","sentiment_score":-0.11272255248493618},{"text":"I don't wanna get 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was...","start":3137.96,"end":3139.08,"sentiment":"neutral","sentiment_score":0.017469792813062667}],"sentiment":"neutral","sentiment_score":0.16780317947268486,"num_words":12,"start":3107.945,"end":3139.08},{"sentences":[{"text":"Okay.","start":3139.08,"end":3139.32,"sentiment":"neutral","sentiment_score":0.0019633378833532333},{"text":"So you mentioned below with the investments and if we want to go...","start":3139.32,"end":3142.3599,"sentiment":"neutral","sentiment_score":-0.0018107970603383505},{"text":"That that does incur additional fee and additional ongoing charge as well.","start":3142.3599,"end":3147.555,"sentiment":"neutral","sentiment_score":-0.18024231990178427},{"text":"Fantastic.","start":3183.885,"end":3184.125,"sentiment":"positive","sentiment_score":0.6994194984436035},{"text":"Okay.","start":3184.125,"end":3184.605,"sentiment":"positive","sentiment_score":0.5386805534362793}],"sentiment":"neutral","sentiment_score":-0.03379945753009191,"num_words":28,"start":3139.08,"end":3184.605},{"sentences":[{"text":"Fantastic.","start":3184.605,"end":3185.105,"sentiment":"positive","sentiment_score":0.719900369644165},{"text":"Thank you very much, Shannon.","start":3190.23,"end":3191.35,"sentiment":"positive","sentiment_score":0.8377678036689759},{"text":"It was a pleasure speaking with you and and helping keeping me accountable for all disciplines at least, you know, in terms of trying to...","start":3191.35,"end":3199.67,"sentiment":"positive","sentiment_score":0.702549958229065},{"text":"I'm trying to be talking for myself as opposed to helping everybody else.","start":3199.67,"end":3202.71,"sentiment":"positive","sentiment_score":0.4766556460123796},{"text":"So fantastic.","start":3202.71,"end":3211.775,"sentiment":"positive","sentiment_score":0.5763257890939713}],"sentiment":"positive","sentiment_score":0.6482970286970553,"num_words":46,"start":3184.605,"end":3211.775},{"sentences":[{"text":"Thank you.","start":3212.155,"end":3212.635,"sentiment":"positive","sentiment_score":0.7366147935390472},{"text":"So I'll look out for your emails on this one.","start":3212.635,"end":3214.875,"sentiment":"positive","sentiment_score":0.436795637011528},{"text":"So, yeah, I'll send it back, and then we'll be in touch and talk soon..","start":3214.875,"end":3218.28,"sentiment":"neutral","sentiment_score":0.18712138235569},{"text":"Thank you.","start":3223.54,"end":3224.18,"sentiment":"positive","sentiment_score":0.7243680655956268},{"text":"Have a good one.","start":3224.18,"end":3225.0,"sentiment":"positive","sentiment_score":0.650624617934227}],"sentiment":"positive","sentiment_score":0.3848254938017238,"num_words":33,"start":3212.155,"end":3225.0},{"sentences":[{"text":"Bye.","start":3226.18,"end":3226.68,"sentiment":"neutral","sentiment_score":0.19052064418792725}],"sentiment":"neutral","sentiment_score":0.19052064418792725,"num_words":1,"start":3226.18,"end":3226.68}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. It's Samantha speaking.\n\nChannel 0: Good morning. This is Jenniferning from Oakview Financial. How are you today?\n\nChannel 1: Good, Nikisha. How are you doing?\n\nChannel 0: I'm well. Thanks. I'm well. Just before I do go any further, I do need to let you know that our calls are recorded for quality\n\nChannel 1: Yep.\n\nChannel 0: and coaching purposes. Is that okay?\n\nChannel 1: All good. All good.\n\nChannel 0: Thank you. And can I please ask you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's a mother, the date of August 1978. And I think I've got you down at 269 Marathon Boulevard, Craigieburn.\n\nChannel 0: That's correct. Yeah. Does that need to be updated at all?\n\nChannel 1: Other than that, I've just got two\n\nChannel 0: Yep.\n\nChannel 1: properties attached there, but this is the main one that we use. So\n\nChannel 0: Fantastic. Lovely. The purpose of my call today is to phone and go through our scheduled annual review. Do you still have time to complete that?\n\nChannel 1: Yep. Yep. Yep. I do. And it's...\n\nAnd thank you for trying to get in touch with us because me quite busy. But, yes, you've got me for at least the next hour or so.\n\nChannel 0: Lovely. Thank you. Well, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review.\n\nChannel 1: Okay. That was... Would have been back in... Oh, when would that would have been? Was it September of last year or August last year?\n\nIt was, like,\n\nChannel 0: I can tell you exactly when it would have been. It would have been July last year, actually. July 2025.\n\nChannel 1: Even more. Okay. Okay. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: so so that that allows me to know exactly what's happened since then. Okay. I've moved jobs. I've changed jobs as such\n\nChannel 0: Yep.\n\nChannel 1: to a different company still within government as such, but I've moved from... I think I headed down as Department of Transport and\n\nChannel 0: Yes.\n\nChannel 1: Plant\n\nChannel 0: That's\n\nChannel 1: in\n\nChannel 0: right.\n\nChannel 1: in Victoria. I've now moved to AIMS Australia, a m e s.\n\nChannel 0: A m e s.\n\nChannel 1: Yep. Australia.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: The role I'm doing is... What's my title? Director of strategic of strategy and projects.\n\nChannel 0: Yeah.\n\nChannel 1: In terms of it... Oh, I can't even remember. I am on on more money. I can't remember\n\nChannel 0: Yeah.\n\nChannel 1: what I was when I told... What I told you back then, but I'm roughly about $2.30 now. 230.\n\nChannel 0: Is that plus super?\n\nChannel 1: No. Before super. Sorry.\n\nChannel 0: So including. Yep.\n\nChannel 1: So so so super is is on top of that. So with super,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: Plus\n\nChannel 1: 200\n\nChannel 0: super.\n\nChannel 1: and something. Yeah.\n\nChannel 0: Yeah. Lovely. Fantastic. Any other... So any other changes that are significant?\n\nChannel 1: Nothing yet. Nothing that I can think of. That's probably the biggest change.\n\nChannel 0: Yeah.\n\nChannel 1: In terms of it from, I guess, what do you call it, financial perspective? I paid off my HECS, my HELP loan.\n\nChannel 0: Yeah. Congratulations.\n\nChannel 1: Uh-huh. So, yes, so so that... That's... It's great to actually start getting, you know, 10% back. Okay.\n\nYeah. Yeah. And I see that that one's being paid off.\n\nChannel 0: Lovely.\n\nChannel 1: Seems anything else... I haven't made any large purchases or, like, investments or something like that in the\n\nChannel 0: Okay.\n\nChannel 1: last few months. Yeah. Pretty much. It's just, yeah, I think it's... My my my status is still great.\n\nSame. I'm still single. I\n\nChannel 0: Yes.\n\nChannel 1: thought through there. Yeah. I think I think that's pretty much for it. Is there anything else? I'm just trying to see what else to do would be of significance for you.\n\nYeah.\n\nChannel 0: That's okay. Well, what I can do is run through what we do have on file, and then anything that's different, you can you can give me an update.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: So we have your email address. Has that changed?\n\nChannel 1: Still the same. So mothershimmy@alphabets.com?\n\nChannel 0: Lovely. Do you have any dependents?\n\nChannel 1: Any dependents? No. I just have no children.\n\nChannel 0: Yes? Okay. And I have your sister here, Nadia Franken,\n\nChannel 1: Yeah. I do. Correct. Yep.\n\nChannel 0: as your next of kin. Is that still correct?\n\nChannel 1: That's still correct. Yep.\n\nChannel 0: Okay. Now... So with the director of strategy and projects, what would you say your job description or duties are?\n\nChannel 1: At enrollment now, I'm actually building the five year strategy\n\nChannel 0: Yep.\n\nChannel 1: for an organization. After this... Maybe it's... The reality of my job is... Because I report directly to our CEO.\n\nIt's whatever the CEO wants. So it's it's a very, very generic title to just\n\nChannel 0: Yeah.\n\nChannel 1: parachute me into whatever problems the organization has.\n\nChannel 0: Yeah.\n\nChannel 1: In terms of it, so I'm I'm building the strategy for the next five years. Straight after that, I'll probably start building or developing kind of like an enterprise PMO type office. So I'll set that\n\nChannel 0: Yep.\n\nChannel 1: one up as such. And then I know later next year,\n\nChannel 0: Mhmm.\n\nChannel 1: they'll probably put me into one of the portfolios because one of the GMs is about to leave, but there's a lot of problems in there. And so they\n\nChannel 0: Yep.\n\nChannel 1: want me to do a full review and then kind of get things back in shape so that, you know, we can move forward with that. So I don't know how\n\nChannel 0: Okay.\n\nChannel 1: to describe that. It's a job description, but, yeah, it's kind of like, you know, we have to fire and they point point at it, and I just go there.\n\nChannel 0: I understand. So it's predominantly office space.\n\nChannel 1: Oh, it is all office space, but I do go out to sites because we've got about 47 sites across Australia. So\n\nChannel 0: Okay. Okay. I'm just gonna make a note of that. Okay. Now how long have you been with AIMS for?\n\nChannel 1: And so Friday will be exactly one year.\n\nChannel 0: Okay. That's great. Congratulations on your upcoming anniversary.\n\nChannel 1: I see.\n\nChannel 0: Okay. So we've gone through your income.\n\nChannel 1: Mhmm.\n\nChannel 0: Previously, we had you saving about $300 per week. Do you think that is still correct?\n\nChannel 1: I would say probably more, but I have not really checked, to be honest. Look. I can still put it down as 300. Like, I I haven't gone below that. But\n\nChannel 0: Yep.\n\nChannel 1: since I since I've paid off my my hacks, you know, that... A lot of that just gone straight into well, yeah, it it it just got straight to my offset account. So\n\nChannel 0: Yeah. No. That... I I understand that. That's absolutely fine.\n\nDo you have any idea what your expenditure would be per week?\n\nChannel 1: No. I'm... That... That's why that's why I kind of signed up to this so I can actually remind me to do do, like, an annual check. Yeah.\n\nChannel 0: Okay. That's fine.\n\nChannel 1: So\n\nChannel 0: Okay. Would you like me to send you through post our conversation, our cash flow\n\nChannel 1: Next.\n\nChannel 0: budget document for you to complete? And\n\nChannel 1: Yep. Yep.\n\nChannel 0: that way, we can help you stick to any plans that you make as...\n\nChannel 1: That sounds good.\n\nChannel 0: Lovely. Okay. Do you make any additional contributions to Super at the moment?\n\nChannel 1: Yeah. I've made a few, but, I mean, it's it's only a few thousand over the last year and this year as such. But, yeah,\n\nChannel 0: Okay.\n\nChannel 1: I'll need to go and check on that.\n\nChannel 0: Do you just do them ad hoc when you...\n\nChannel 1: Okay.\n\nChannel 0: Like, there's\n\nChannel 1: Yeah. Because I do... I I haven't set anything up since moving into this new... Again, this new role.\n\nChannel 0: okay. Did you wanna look at setting up any kind of salary sacrifice arrangement?\n\nChannel 1: I do, but I also am mindful because this is one of the problems I had because I was still under the help. I\n\nChannel 0: Yep.\n\nChannel 1: I already triggered because I already went over there with it. What was\n\nChannel 0: Cap.\n\nChannel 1: that ruling?\n\nChannel 0: Contribution.\n\nChannel 1: The... Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Contribution cap and things like that. So that's why I was very... I was advised that, look, you have to be very careful because you just need to pay tax on top of that\n\nChannel 0: Yeah.\n\nChannel 1: regarding\n\nChannel 0: Yep. So\n\nChannel 1: that.\n\nChannel 0: we could... Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: that's something I can definitely have a look at for you and take that into consideration if you want me to look at that for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah. If you could, please, if it's not about paid off the the hacks, That should\n\nChannel 0: Yep.\n\nChannel 1: not put me below that... With the $2.07... Whatever it is, the the the threshold it\n\nChannel 0: Yes.\n\nChannel 1: is.\n\nChannel 0: Yeah. It's gone up a little bit now, so you got a little bit more room to play with. So\n\nChannel 1: Okay. Yep.\n\nChannel 0: we can definitely have a look at that.\n\nChannel 1: Mhmm.\n\nChannel 0: With your work, do you have any type of EBA agreement?\n\nChannel 1: Yeah. So I do fall under the EBA, which is actually being... Well, it's gonna be negotiated. We're just waiting for them to basically take it off before caretaker and and election starts. That\n\nChannel 0: Yep.\n\nChannel 1: will put me... That will rate my income again, and I believe they'll then... They'll back pay it for... To earlier this year by the percentage. I think another additional 8% this year.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then it's for, I think, 20 something percent over the next three years or four years.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: That's\n\nChannel 0: you know if you get any additional super contributions\n\nChannel 1: it.\n\nChannel 0: above the 12%, or do you receive the 12%?\n\nChannel 1: I think 12%.\n\nChannel 0: Just the 12%?\n\nChannel 1: Yeah. Just a 12%.\n\nChannel 0: Yep. Okay. So potentially getting a back pay of 8% from the beginning of this financial year?\n\nChannel 1: I think it's just financial year, but I might be wrong. I think it might back pay till a few months before that. But I...\n\nChannel 0: Okay.\n\nChannel 1: I'm just waiting to actually see the full details as such through that. So\n\nChannel 0: Okay. And a potential pay rise of 20% over the next three years, did you say?\n\nChannel 1: Mhmm. Yeah. I think it's I think it's actually four years, if I remember correctly.\n\nChannel 0: Four years.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. That's okay.\n\nChannel 1: I I I\n\nChannel 0: I'll\n\nChannel 1: I can\n\nChannel 0: just\n\nChannel 1: I can send all those details as such, you know, once once I've actually seen that tool, what has been agreed through by government? So\n\nChannel 0: yep. That's absolutely\n\nChannel 1: Mhmm.\n\nChannel 0: fine. I'll just make a note of it just to make sure that if there's anything we need to check when we check... When we have a chat next that I update that. So I've just got a bit of information there.\n\nChannel 1: Okay. Cool. Cool.\n\nChannel 0: So the last time that you had a review, you were working with a mortgage broker to review and clean up your home loan.\n\nChannel 1: Yes. I do.\n\nChannel 0: Did you... You did. Lovely. So what is your home loan at your... Outstanding balance at the moment?\n\nChannel 1: So for my own home,\n\nChannel 0: Yes,\n\nChannel 1: it's\n\nChannel 0: please.\n\nChannel 1: roughly about 170 something tells... 180,000 is because it's a ton of debt.\n\nChannel 0: Yes. And what's the value of your home?\n\nChannel 1: And value... Well, just two doors down. I live in in the townhouse, identical townhouses on the strip.\n\nChannel 0: Yeah.\n\nChannel 1: Though I'm I'm just at the corner space, but two townhouses down sold for $6.40.\n\nChannel 0: Yeah.\n\nChannel 1: And I purchased\n\nChannel 0: Okay.\n\nChannel 1: mine for $4.20 something, and that was,\n\nChannel 0: So you'd be...\n\nChannel 1: what, five years ago.\n\nChannel 0: Okay. So you'd be happy saying $6.40 is the value?\n\nChannel 1: But I'm happy to say, oh, I've got a bigger land than them. So... Because I've got a corner block, whereas they're in between.\n\nChannel 0: Okay. Alright. I also have here that you've got an investment property.\n\nChannel 1: Yeah. I do.\n\nChannel 0: Do you...\n\nChannel 1: In\n\nChannel 0: You\n\nChannel 1: South\n\nChannel 0: do?\n\nChannel 1: Park. Mhmm.\n\nChannel 0: It's... I have it here valued at $7.50 with a debt of $5.70 attached. Is that still correct?\n\nChannel 1: So, basically, it is... It's probably gone up. I'm guessing it's probably closer to the 800 mark.\n\nChannel 0: Okay.\n\nChannel 1: That... Now I've... When I got my mortgage broker to redo redo everything, they rebalanced it for me, and\n\nChannel 0: Mhmm.\n\nChannel 1: I put it at just an interest only\n\nChannel 0: Yep.\n\nChannel 1: repayments. The... Now the outstanding on it was 700 something.\n\nChannel 0: Yeah.\n\nChannel 1: I I try to take basically as much as I can just\n\nChannel 0: Yeah.\n\nChannel 1: to just not offset, you know, myself, my my\n\nChannel 0: Yep.\n\nChannel 1: income.\n\nChannel 0: Yep.\n\nChannel 1: But... Yeah. So so it's... They did it in a way that allowed me to basically borrow against that using that\n\nChannel 0: Yep.\n\nChannel 1: and maximize my my my liability for\n\nChannel 0: Mhmm.\n\nChannel 1: more negative gearing. So...\n\nChannel 0: Okay. So do you know if it was the mid 7 hundreds? Do you recall?\n\nChannel 1: Yeah. Well, that... That's why I'm just... As\n\nChannel 0: Oh,\n\nChannel 1: as I'm\n\nChannel 0: yeah.\n\nChannel 1: talking to you now, I'm actually trying to look into my things so I can tell\n\nChannel 0: Oh,\n\nChannel 1: you\n\nChannel 0: thank\n\nChannel 1: instead.\n\nChannel 0: you. Yeah. That's wonderful.\n\nChannel 1: Yeah. So so my existing home loan is a 174,000.\n\nChannel 0: Yeah.\n\nChannel 1: This is probably for my my my primary... My my residential one,\n\nChannel 0: Yes.\n\nChannel 1: and that's offset by a 162,000 in my offset. And my investment loan... Sorry. It wasn't... Sorry.\n\nIt was $8.32. So they've maxed... They... They've they've moved things around.\n\nChannel 0: Yep.\n\nChannel 1: So it's actually based on 832, and I believe then the the loan itself is against both this house, both my primary residence and that house and investment property as well.\n\nChannel 0: Okay. So the investment property is 800,000 valued. The total\n\nChannel 1: Yep.\n\nChannel 0: loan is\n\nChannel 1: $872.02.\n\nChannel 0: eight thirty two as... And that's less the amount for the... Do I less the principal residence amount from that $8.32\n\nChannel 1: Yep.\n\nChannel 0: or is that the 8\n\nChannel 1: He he he can left it from the... Well, the the bank has used this house as part of the as part of the the the counter,\n\nChannel 0: equity?\n\nChannel 1: yeah, the\n\nChannel 0: Yep.\n\nChannel 1: equity for for for for that here. So I guess you can less it from there.\n\nChannel 0: Okay. So your total debt is $8.32 plus a\n\nChannel 1: Mhmm.\n\nChannel 0: 174.\n\nChannel 1: Yes. Correct. So that will be cool\n\nChannel 0: Lovely.\n\nChannel 1: just about a minute or so. Yep.\n\nChannel 0: Yeah. Lovely. Okay. So the interest rate on your investment property,\n\nChannel 1: Mhmm.\n\nChannel 0: you're doing interest only. How long is that interest only term for, and what's the rate?\n\nChannel 1: I'm just checking to see it right now. I did this all pretty much December last year. Interest rate is 6.3.\n\nChannel 0: Yeah.\n\nChannel 1: The... Okay. So the loan is for thirty years. Obviously, when the when the term expiry... When the no, it's just interest only, but they haven't...\n\nThey're not telling me when my interest only finishes.\n\nChannel 0: It might not be available on an app. It might be more\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: It's\n\nChannel 0: in\n\nChannel 1: something\n\nChannel 0: the\n\nChannel 1: I I\n\nChannel 0: the\n\nChannel 1: need\n\nChannel 0: web\n\nChannel 1: to go\n\nChannel 0: login.\n\nChannel 1: back into. Yeah. I need\n\nChannel 0: Yeah.\n\nChannel 1: to go back and and check it through.\n\nChannel 0: That's\n\nChannel 1: But I\n\nChannel 0: okay.\n\nChannel 1: think... I remember talking to him about three years at least. So...\n\nChannel 0: Okay. That's fine. Do you think... Do you know what the interest rate is for your\n\nChannel 1: Yeah. It's for the residential or the investment?\n\nChannel 0: home? Oh,\n\nChannel 1: The...\n\nChannel 0: residential, please.\n\nChannel 1: And we said residential is... Come on. K. Account details. 6.09 is my residential.\n\nChannel 0: Lovely. And has that got thirty years remaining on it?\n\nChannel 1: And that's still... Well, original term's thirty years due to expire December 2055. So\n\nChannel 0: Okay.\n\nChannel 1: twenty nine years. I did it back in December last year.\n\nChannel 0: Thank you. And your Offset account, is that connected to Offset your\n\nChannel 1: My residence as\n\nChannel 0: your\n\nChannel 1: such,\n\nChannel 0: residence?\n\nChannel 1: and that's 1\n\nChannel 0: Yep.\n\nChannel 1: Hundred And 62 inside\n\nChannel 0: Yeah.\n\nChannel 1: there.\n\nChannel 0: Lovely. The investment prop... Sorry. I know I'm asking a lot of questions. The\n\nChannel 1: No.\n\nChannel 0: investment\n\nChannel 1: No. No. Go\n\nChannel 0: property,\n\nChannel 1: ahead. Yeah.\n\nChannel 0: how much rent do you receive from that?\n\nChannel 1: 545, I think, weeks.\n\nChannel 0: $2.08? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. And then finally, I have some shares that were listed here at 20\n\nChannel 1: No.\n\nChannel 0: thousand.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: Yeah.\n\nChannel 0: you still have those?\n\nChannel 1: I still have those. I haven't done anything with them. So...\n\nChannel 0: Are they a combination of different shares?\n\nChannel 1: Yeah.\n\nChannel 0: Are they a\n\nChannel 1: Combinations,\n\nChannel 0: particular?\n\nChannel 1: some banks, some... What do you call it? Yeah. It's just a combination of different things. So some media,\n\nChannel 0: Okay.\n\nChannel 1: some unregulated. Yeah.\n\nChannel 0: Did you wanna do anything with them, or are they just a long term investment that you\n\nChannel 1: Well,\n\nChannel 0: hold?\n\nChannel 1: I just I just bought them a\n\nChannel 0: Yep.\n\nChannel 1: few years back. I'd like to\n\nChannel 0: Mhmm.\n\nChannel 1: do more. Like like like... So so one of the plans that I do wanna do is actually just, you know, better better plan investments moving\n\nChannel 0: Mhmm.\n\nChannel 1: through. I'll be very honest with you, like, with your colleagues that I've spoken to, like, last year as well. I'm... I I I I help a lot of people, but I need help to help myself. And\n\nChannel 0: That's\n\nChannel 1: so\n\nChannel 0: okay.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: so I've gotta speak to, like, people who do this, you know, for a living to see how\n\nChannel 0: Yes.\n\nChannel 1: you can actually help me, you know, to to to to better structure and better things. So that's why they we... That's why they gave me advice of to restructure my loans and and all that before.\n\nChannel 0: Lovely.\n\nChannel 1: And then I said, look. We'll let you get investments. But, yeah, by... Because I moved into a new role, I didn't actually get a chance to to really, you know, sit down and then then think it through until,\n\nChannel 0: That's\n\nChannel 1: you know,\n\nChannel 0: okay.\n\nChannel 1: you... The reminder came up.\n\nChannel 0: Absolutely fine. We can touch base on that again today and and sort of revisit those conversations. With your... I'm just gonna move briefly into health and lifestyle.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Are you a... We have you here as a nonsmoker. Is that correct?\n\nChannel 1: I don't sleep. I don't smoke. I don't drink.\n\nChannel 0: Lovely. And do you have private health insurance?\n\nChannel 1: Yes. I do.\n\nChannel 0: Who's that with?\n\nChannel 1: With a h m.\n\nChannel 0: A h m?\n\nChannel 1: Yep.\n\nChannel 0: Alright. And do you... Have you arranged your will or power of attorney yet?\n\nChannel 1: So that's also one of the things that I do need to get done. So...\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yes.\n\nChannel 0: I... I'll definitely chat with you about that. So\n\nChannel 1: Okay.\n\nChannel 0: if I go back up to the top of my page here, what I'm gonna do is talk through what we had here as your goals and objectives when you last spoke with your review. So what I'm gonna do is we're gonna revisit those,\n\nChannel 1: Okay.\n\nChannel 0: remove anything that's not applicable or that you've achieved, and then add in add in anything new. So your main goal at that time was to build and develop your property portfolio to the point where you have one property in each state and then look at maybe buying properties overseas. Is that still something you\n\nChannel 1: That's still\n\nChannel 0: are\n\nChannel 1: something\n\nChannel 0: wanting?\n\nChannel 1: I wanted to do, though I don't... I I think I said I was looking interstate. I wasn't gonna be one in each stage, but I was\n\nChannel 0: Oh,\n\nChannel 1: looking\n\nChannel 0: okay.\n\nChannel 1: interstate as such there. And I\n\nChannel 0: Yep.\n\nChannel 1: do also want to to look at, you know, buying properties overseas as well.\n\nChannel 0: Oh, yeah. Where... In which which countries are you thinking?\n\nChannel 1: So I was thinking, you know, starting with Asia, somewhere in Asia to begin with.\n\nChannel 0: Yep.\n\nChannel 1: Probably probably not Singapore. I'm originally from Singapore, but probably not Singapore, but maybe\n\nChannel 0: Yep.\n\nChannel 1: somewhere up in Malaysia or Thailand. Yeah. And then, you know, and then from there, building up from there, because I'll I'll like to also do one. I like to also... I was living in The States for time as well.\n\nI'd like to go back to The States at some point and look\n\nChannel 0: Okay.\n\nChannel 1: down there as well. But but let's just start with Asia to begin with. Southeast Asia to begin with.\n\nChannel 0: And what kind of time frame are you think... Are you wanting to achieve that in?\n\nChannel 1: Well, did... So that really, really... Not really thought further hit through on that, probably in the next five years or so.\n\nChannel 0: Okay.\n\nChannel 1: To me, it was just part of just trying to build up how I would like to see myself retiring. As...\n\nChannel 0: Yeah.\n\nChannel 1: Or not retiring, but but but pulling back as I get older and just having,\n\nChannel 0: Yep.\n\nChannel 1: you know, somewhere to go and stay, you know, where where where where... And and travel. I I do a lot of traveling, though I do admit\n\nChannel 0: Yep.\n\nChannel 1: this has been a bit quieter because of the new role. But I do do do do a lot of traveling as well. So\n\nChannel 0: Okay. Okay. So the properties overseas\n\nChannel 1: Mhmm.\n\nChannel 0: down the track, Malaysia, Thailand, US, would you rent those out when you weren't there?\n\nChannel 1: Yeah. Pretty much. I'll rent it out and then, you know, for... Because because I remember, like, when I was in Malaysia, just January, like, just beginning of this year as such, you know, there were places where I could buy, like, you know, a a really nice apartment in in the city. And there\n\nChannel 0: Yep.\n\nChannel 1: were companies that\n\nChannel 0: Yep.\n\nChannel 1: actually, you know, would rent it out to to Expat, I guess. They'll manage it for you, and then, you know, I just say that, okay. I'm just gonna be here for, like, two months of the year. And then by...\n\nChannel 0: Mhmm.\n\nChannel 1: For the rest of the year, they'll actually manage it, and I just pay a a fee to them and\n\nChannel 0: Mhmm.\n\nChannel 1: then collect whatever rent that comes out from there. So\n\nChannel 0: Okay. Lovely. I think the next goal is what you're talking about before with building your wealth and diversifying your portfolio and look at different\n\nChannel 1: Yes.\n\nChannel 0: investment options, so outside of super, so investment accounts or bonds. Is that something that you're still wanting to do?\n\nChannel 1: I do, and I do want to learn more about it because I remember learning\n\nChannel 0: Yep.\n\nChannel 1: all this in the finance classes. But, yes, that wasn't... Let's just say finance wasn't much on the street thinking then.\n\nChannel 0: That's alright. We all have our strengths. Okay. So if you were... What it...\n\nWhat would be the end what would be the purpose of this? Is it to facilitate an earlier retirement? Is it to supplement superannuation retirement income to allow you more income? What would be the the\n\nChannel 1: So\n\nChannel 0: overage?\n\nChannel 1: the overarching is basically, first of all, to diversify and create another income stream. It's not something that I intend to or I see myself having to live off solely, you know,\n\nChannel 0: Yep.\n\nChannel 1: at this point. But I would\n\nChannel 0: Yep.\n\nChannel 1: like to, like, whatever that I make in there to continually keep that reinvesting to\n\nChannel 0: Yep.\n\nChannel 1: continue it to grow, you know, so so so so something in that sense there. Long term, so let's take... Looking at, say, twenty years as such, you know, yes, definitely,\n\nChannel 0: Yep.\n\nChannel 1: I would like to have that supplement, you know, my retirement income for whatever I I get from superb as such. So\n\nChannel 0: Okay. So if we're looking at that, there's\n\nChannel 1: Mhmm.\n\nChannel 0: a couple of different options that are running through my head. I'm gonna ask a couple of questions\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Yep.\n\nChannel 0: kinda point me in the right direction of what I'm thinking.\n\nChannel 1: Mhmm.\n\nChannel 0: What initial type of investment would you like? So when we set up an investment account, what would be your initial amount that you would feel comfortable investing?\n\nChannel 1: So, look, anywhere from, I don't know, 20 to 50,000, really depending\n\nChannel 0: Yep.\n\nChannel 1: on what what's Yeah. You know? That's that's what I had in my head. I think when I first talked about this last year, I was\n\nChannel 0: Yep.\n\nChannel 1: looking for about 20,000 as such just to to start putting aside. Just to help me also learn and understand this because I get that\n\nChannel 0: Mhmm.\n\nChannel 1: I do want... And and and and just get on top of that. And then from there, continue continue to grow because ultimately... And if it's, say, like, a five, ten year goal, you know, I'd like to have, you know, a 100, you know, a 150,000 inside here or develop it to to to to a fund of that size and such there.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. Does that make sense?\n\nChannel 0: Yep. It does. It does. So based on that and your cash flow, we'll we'll get you to complete that cash flow budget tool. But what are you thinking you'd be comfortable with making a regular contribution and amount?\n\nWould it be... How much per month do you think you would want to contribute to that for me\n\nChannel 1: I\n\nChannel 0: to be able\n\nChannel 1: I...\n\nChannel 0: to look at?\n\nChannel 1: You know, as I said, this is where, like I said, I... I'm really not sure with such. But my my... Look. I I I should be more on top of my cash flow and expenses.\n\nI know I'm not behind on it,\n\nChannel 0: Yep.\n\nChannel 1: but I'm\n\nChannel 0: Yep.\n\nChannel 1: also not that I'm not doing enough. So I probably spend more than I should on\n\nChannel 0: That's\n\nChannel 1: on\n\nChannel 0: it. Yep.\n\nChannel 1: things and then the payments.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: Mhmm.\n\nChannel 1: this is where I was hoping to see the understanding of what it is. If I would say put in an extra, I don't know, you know, $205,100 bucks a week into this. How would that look like?\n\nChannel 0: Yes.\n\nChannel 1: And then that way I can then do the... A part of this is also helping me to just become a bit more, you know, diligent\n\nChannel 0: Yes.\n\nChannel 1: in what I do\n\nChannel 0: Yes.\n\nChannel 1: because, yeah, as I said, it's... I'm a person that needs a plan. And at the moment now, I see... I feel a bit like I I don't have a plan for this. I'm kind of this kind of cruising.\n\nI I know I do make... You know, I am very comfortable, and that's the part that scares me because the moment I'm comfortable, I get complacent.\n\nChannel 0: Absolutely. I can definitely help you facilitate a plan and work with you to hold you accountable to achieving the goals that you wanna achieve. So that's definitely my job. So that's something that I can definitely help you work towards.\n\nChannel 1: I I like the time of them. Thank you.\n\nChannel 0: Okay. Alright. So what we might do is we'll wait till you complete that cash flow budget tool for me, and then I can have a look at that.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: The next goal was that you're gonna continue to... You would like to do a couple of trips overseas in the next twelve months to Nepal, China, Vietnam, and other places in Asia in April. Are you wishing to continue to travel? I know that you said you do a lot of travel.\n\nChannel 1: I... I've really done all that and more.\n\nChannel 0: Yeah.\n\nChannel 1: I'll be in China end of this month.\n\nChannel 0: Yep.\n\nChannel 1: This is all for for fun, and there's nothing work or business related in this.\n\nChannel 0: Yep. Yes.\n\nChannel 1: Next year, April next year, I'll be in Europe,\n\nChannel 0: Yep.\n\nChannel 1: Scandinavia, and then the Baltics.\n\nChannel 0: Yeah.\n\nChannel 1: And and then I've got another trip to China, two more trips to Vietnam. And at some point, I'll be also going back to Singapore to see family, and friends as well. So,\n\nChannel 0: Yes.\n\nChannel 1: so, yes, I've got a few things put through. And I'm just trying to think what else is going through. That's what I do know now, but I'll probably put something in between now and for the end of the year. I'll be planning some stuff for next year. So\n\nChannel 0: Of course. No worries at all. You said that you wanted to do an in-depth review of your insurances as you feel like you don't have appropriate covers in place if something was to happen to you. Now I note that you do have insurance in your\n\nChannel 1: Oh, yeah.\n\nChannel 0: superannuation\n\nChannel 1: In in my\n\nChannel 0: fund.\n\nChannel 1: yes. Yeah. In my in my... Yeah. The Superfund, but I think that was just some of the basic stuff that was initially set up.\n\nChannel 0: Yeah. Yeah. So that was due to the recent eye surge... Well, the recent back then, this eye surgery you had and you were still recovering,\n\nChannel 1: Yes. Oh,\n\nChannel 0: and\n\nChannel 1: yes.\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: were\n\nChannel 1: fine.\n\nChannel 0: looking at changing jobs. So that is something that we can look at now if you would like to.\n\nChannel 1: Yes. I'm happy to let you work in too. So, yes, I had my laser surgery for my eyes, and I have changed jobs. I was I was in the process of looking at new roles back then, and then that's\n\nChannel 0: Yep.\n\nChannel 1: in this new role now. So\n\nChannel 0: Lovely. Alright. Well, that's something that may... We can start looking at for you as well. Your broker, you've done that.\n\nRetirement, you looked at... We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week. Is that still current?\n\nChannel 1: Yeah. Yeah. We'll keep it at that as such too there. I still see myself. I'm a person that can't sit down.\n\nThat's a problem. So I can see myself having to do... Well, wanting to do stuff.\n\nChannel 0: I I I understand. I understand. Alright. Okay. So what I'm going to do...\n\nDo you have access to your emails at the moment?\n\nChannel 1: I do.\n\nChannel 0: Okay. I'm gonna shoot you through an email. What it will have attached to it is your review pack.\n\nChannel 1: Mhmm.\n\nChannel 0: So it is... I'm just bringing it up now to send through. So it will come through from OdooSign. And what you do is when you open the email, there'll be an option where you say it says click here to sign or sign here. If you open that document up, click on that note.\n\nIt's gonna open some documents. You're not signing anything at the moment. We're just gonna talk through the review first of all.\n\nChannel 1: Mhmm. On this... Ah, here we go. Miss Wheeler, that's you.\n\nChannel 0: That's\n\nChannel 1: And...\n\nChannel 0: me.\n\nChannel 1: Okay. Find document. Here\n\nChannel 0: Yeah.\n\nChannel 1: we\n\nChannel 0: So let me know when\n\nChannel 1: go.\n\nChannel 0: you got those open.\n\nChannel 1: Okay. It's opened up. I'll set up your first page, which is just about my... Oh,\n\nChannel 0: Summary\n\nChannel 1: this is my\n\nChannel 0: of\n\nChannel 1: insurance.\n\nChannel 0: super.\n\nChannel 1: It's...\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. So this is just a couple page for you. It's just a summary of where this... Where your super and insurance is held.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: With HUB 24, a balance is sitting at about 252,422,\n\nChannel 1: Mhmm.\n\nChannel 0: And you've got group insurance, of life and TPD insurance of a $178,808 and income protection of $3,342 per month with a ninety day waiting period and a two year benefit period. The... Looking at insurance, if something was to happen to you\n\nChannel 1: Mhmm.\n\nChannel 0: from... We'll use yesterday as an example from a... And you passed away, how... What is it that you're wanting to achieve in respect to having a life insurance policy? Who are your beneficiaries?\n\nDo you want debt to be repaid? What is what is it that you're wanting to achieve?\n\nChannel 1: So so how I'm seeing it to... It says that I don't have any dependencies directly. When we talk about me wanting to draft up a will, it was more so that, you know, my sister, the one on file, Nadia,\n\nChannel 0: Mhmm.\n\nChannel 1: She's got four kids as such who is... Who are already nominated inside with Hub 24.\n\nChannel 0: Mhmm.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: So the four of them plus also I have a goddaughter. So my best friend's daughter as such there will probably be the five beneficiaries that,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, I would nominate for my... If something were to happen to me. In terms\n\nChannel 0: Yep.\n\nChannel 1: of that, look, I would probably say, like, you know, sell off the investment property to sell off that loan. And then... Well, basically, just sell off all my assets itself to then help, and then whatever is left over for Google\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: to distribute out as such to do that. In terms\n\nChannel 0: Mhmm.\n\nChannel 1: of it, like, my my my initial plans when I was, you know, taking this through and had the initial talk as such was to fully pay off my property, which I'm very close to doing at the moment now, my residential property, and then\n\nChannel 0: Yeah.\n\nChannel 1: looking for a way to better structure my my investment property itself. I would like to get that amount, I guess, lower so that, you know, it's no longer using my residential property as equity against it.\n\nChannel 0: Mhmm.\n\nChannel 1: Mhmm. And then, you know, and then look at how I can then just build up, you know, further investments through. So does that help answer your question?\n\nChannel 0: Yeah. Yeah. It does. So, essentially, in the event of some... Of you passing away, you would simply expect that the estate...\n\nThe assets be sold and debts repaid and then debt to be divided amongst your beneficiaries.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that\n\nChannel 1: Yeah.\n\nChannel 0: correct?\n\nChannel 1: I'm on the part sense issue. Correct. Yeah.\n\nChannel 0: Yep. Lovely. Okay. So that's easy for me to go and review. The income protection\n\nChannel 1: Mhmm.\n\nChannel 0: income protection income protection is where you are unable to work due to injury or illness, and there is what we call a waiting period and a benefit period. So the waiting period is the number of days you need to wait before you are eligible to claim, and the benefit period is how long you are entitled to make a... Receive a claim payment based on the severity of your injury or illness. So typically with income protection, we see up to 70% of your gross taxable income being insured and the waiting period and benefit period varying depend on the depending on the individual client. So for yourself with a waiting period looking at your assets and liability...\n\nYour assets and access to cash, it looks like you could probably go a little bit longer of a waiting period than thirty days. You could probably go... Depending on your comfort level, anywhere between the sixty to ninety day wait. It\n\nChannel 1: Yep.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: entirely up to you.\n\nChannel 1: Well, I was looking probably more than one of the night's day rate and so I'd see there. So I'm\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm\n\nChannel 0: Okay.\n\nChannel 1: comfortable with this, like, expenditure, and I know I can probably cut down my expenditure more. Because\n\nChannel 0: Mhmm.\n\nChannel 1: we just said, look. It's going through the the the the the document. So going through the the costing expenses, you know, template that you that you'll send through, will probably be, you know, a a good... I'll say, we have to check for me to see what I can be doing better.\n\nChannel 0: Okay. Alright. Leave that with me. I'll have a I'll have a look at that because we\n\nChannel 1: Yep.\n\nChannel 0: definitely wanna make sure that your expenses are covered. So that that cash flow tool will also help us in formulating a recommendation. The remaining policy... Type of policy there is is trauma insurance. What that is is it's paid from your super...\n\nAnd it's not paid from your superannuation fund. It is paid from your individual cash flow, and it's a tax free payment that is payable when you... Or sorry. If you are diagnosed with a claimable event, which there... There's several different types, but they are specified and they range from cancer through to different types of cancer, from heart attack, stroke, and so on.\n\nIs that something that you'd be interested in receiving advice on?\n\nChannel 1: Mhmm. Yeah. So I'll I'll let you get... Learn more about it first before I commit to anything. So\n\nChannel 0: Yep. I can do that. I can send you through some information on that. Alright. The next document that we are going to look at if you press next\n\nChannel 1: Mhmm.\n\nChannel 0: is your performance within your hub twenty four account. So the portfolio\n\nChannel 1: Mhmm.\n\nChannel 0: itself is invested in an ethical portfolio due\n\nChannel 1: Yep.\n\nChannel 0: to your goal of wanting to be investing environmentally and socially ethical options.\n\nChannel 1: Right.\n\nChannel 0: The portfolio itself in the last twelve months has not performed overly great. It actually has returned a negative bigger... A negative return of one... Negative 1.17% after phase. Ask...\n\nWhat I went back and did is had a look at it from from inception, and it looks like from inception, the annualized return is about 4.26% per annum. So being a high growth investor, which is what your risk profile is and how your fund is currently invested, it is it is lower than what we would typically predict for a high growth investment portfolio. But also, on the flip side, we do know that the ethical portfolios themselves do historically perform\n\nChannel 1: Mhmm. It's Oklahoma\n\nChannel 0: a little bit\n\nChannel 1: s.\n\nChannel 0: lower. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly. So...\n\nChannel 1: But but what what has been the... So as a as a comparison, what has been,\n\nChannel 0: Mhmm.\n\nChannel 1: like, nonethical or... I should say, this sounds really bad. But, you know,\n\nChannel 0: Look.\n\nChannel 1: a fund that wasn't dedicated to this ethical and moral, you know, companies. How is that, you know,\n\nChannel 0: Yes.\n\nChannel 1: how is that set?\n\nChannel 0: Well, there's many, many different portfolios that we do operate within the group, and it's more so based on the risk profile. So for example, a high growth investor, we would typically expect to see an average rolling return of between eight to 10% per annum. An ethical portfolio would would... Regardless of how it was invested across different risk profiles and allocation to growth assets would be significantly historically, performance wise, less than what we would typically see in a portfolio that has more diversification.\n\nChannel 1: I mean, I\n\nChannel 0: So...\n\nChannel 1: I I I I understand what I'm saying. Look. And I understood that when I signed up for it, though it is\n\nChannel 0: Yep.\n\nChannel 1: much lower than I was anticipating. So I was looking probably more and more close to the 7% mark for a high growth if that's true there. But as I said, coming in with... When you mentioned 4% or four... It's over 4%.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's\n\nChannel 1: It's\n\nChannel 0: since\n\nChannel 1: it's...\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: since inception. So it is gonna sit. So for example, one that I looked at the other day for a client in a review, they were invested for a little bit longer. So their annualized return was over a longer period of time, but it's at about 9% per annum averaged out. So you are foregoing potential growth opportunities, but, I mean, that is...\n\nWhat I would say is if that's the approach that you'd like to take with your superannuation, is that the same approach you'd like to take with your investment portfolio, or would you be wanting to diversify your your future investment portfolio to be the opposite of what you have in superannuation?\n\nChannel 1: Well, it said... And this is where I'd like to really just understand, like, what are the the options.\n\nChannel 0: Mhmm.\n\nChannel 1: It's not that I'm solely looking for escrow and more, you know, companies,\n\nChannel 0: Mhmm.\n\nChannel 1: but I am... You know, there are some things that, like, that that I can feel very strongly about, like certain companies I can feel very strongly about\n\nChannel 0: What\n\nChannel 1: because\n\nChannel 0: are... And what are those? Give me some examples so I can have a look at those.\n\nChannel 1: of... I mean, so the things that that that do not take into account, like, you know, the the long term environmental sustainability here. And I know it's... Like, companies are getting better on that. Also, companies that support things that that actually are causing...\n\nHow can I put it nicely? Are causing more turmoil and strife. So things like, you know, companies in in defense, companies\n\nChannel 0: Yeah.\n\nChannel 1: who do... Who create, you know, or support, you know, a lot of the... Let's just... Let's be direct... The walls that's happening in the moment\n\nChannel 0: Yep.\n\nChannel 1: there. You know?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: It's things like that. You know? And I know a lot of people don't realize some of these things that went through, but this is something that, you know, to me,\n\nChannel 0: Yeah.\n\nChannel 1: I'm... I I don't feel comfortable knowing that I'm making money from, you know, a company that's making bullets that's killing children.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: I completely understand that. Leave that with me, and I can look into that a little bit\n\nChannel 1: Mhmm.\n\nChannel 0: more. Because it might be that we can still have some alternative options that don't particularly\n\nChannel 1: Mhmm.\n\nChannel 0: have exposure to those types of activities.\n\nChannel 1: Alright. And and\n\nChannel 0: So\n\nChannel 1: look... And this is where I said I do wanna just... If I know my options, like I said, I'm not solely, like like like like, I'm I'm not like a like a full green, you know, leftist. I don't wanna get to. But, you know, I'm probably more more central, but more ethical to to make sure that, you know, the things that we are doing are...\n\nThe the money that I am putting aside for this is not going to think that's causing more heat in the world, if that makes sense.\n\nChannel 0: Yep. It does. It does make sense. Absolutely. Alright.\n\nI can certainly look at that and take... Make sure that's taken into consideration too when we're reviewing everything. So what I might do is have a... Is review your superannuation portfolio while I'm looking at... Once I receive your cash flow while I'm looking at a potential investment portfolio.\n\nSo it will it will depend... The timeline on me consolidating a lot of information will depend on how quickly you can get that cash flow form back to me. It's very simple and straightforward. It won't take you very long at all. The next document in the pack is our Vanguard index chart.\n\nSo that is a educational piece that I like to just talk through in relation to clients' risk profile. So yours, as I mentioned earlier, is a high growth. Those top four down the right hand side, US shares, Australian shares, international, and property, they are our growth shares. So as a high growth investor, we'd expect to see approximately 90% of your funds within the portfolio invested in that... Those...\n\nAcross those sectors with the remaining 10% in the bottom... The following two being bonds and cash.\n\nChannel 1: Yeah.\n\nChannel 0: Is that something that you're still comfortable with?\n\nChannel 1: So that's something I'm comfortable with. Like, even just looking at this, you know... Yeah. If we just went straight into bonds as such, I would probably be high... It's still higher than what I've got now.\n\nSo, yeah, but look, I said\n\nChannel 0: So...\n\nChannel 1: I I... I'm comfortable with that one in terms of the.\n\nChannel 0: Yeah. Okay. Lovely. The next document across is the financial services guide. So that is our document that explains who we are, that we're authorized through ASIC or licensed through ASIC, the types of advice we provide and how we provide it, our fee structure, and if you are unhappy with any of the services, the complaints process.\n\nChannel 1: All good. All good. I'm... I've... You\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: That's\n\nChannel 1: you\n\nChannel 0: okay.\n\nChannel 1: send you send an annual version of this.\n\nChannel 0: Yes. We do. The next document is your ongoing service agreement. So this is the consent to continue charging a fee from your superannuation fund\n\nChannel 1: So\n\nChannel 0: for\n\nChannel 1: Alright.\n\nChannel 0: our ongoing advice. So that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum. So that's deducted monthly from your hub twenty four account.\n\nChannel 1: Uh-huh.\n\nChannel 0: That that fee covers your reviews, so it will cover any changes I'm gonna look into your superannuation fund. It's... It will cover the regular... The annual reviews that you have, and also you're not limited. So if you do want to ring up and, say, for example, start a sari sacrifice arrangement, then, you know, that's included as part of your ongoing fee.\n\nIf we do look at investments as part of a recommendation, there will be an advice fee and an ongoing fee for that one. But I can give you more information on that when I've had a look at your cash flow\n\nChannel 1: Mhmm.\n\nChannel 0: to know where we sit with that and how that will work. And then the next document in this pack is the option to provide your tax file number. So we do hold your tax file number on file, and we had that when we set up your superannuation fund. So this this form here is one that does require signing along with the OSA if you're con... If you're happy to continue being a client.\n\nAnd the TFN form just says that we... You're giving us authority to hold your tax phone number on file. Any\n\nChannel 1: Okay.\n\nChannel 0: questions so far?\n\nChannel 1: No questions so far. But, look, I'll I'll I'll review through the document as such there just to see what's changed and\n\nChannel 0: Yep.\n\nChannel 1: that, you know, I'm comfortable with the things. And then, you\n\nChannel 0: Of\n\nChannel 1: know,\n\nChannel 0: course.\n\nChannel 1: I'll probably sign it off and then send it back through to this... Yourselves.\n\nChannel 0: Absolutely fine. So my next steps here is I'm going to send you, most likely by close of business tomorrow, a summary of our chat via email, some information pieces, the budget sheet for you to complete. Once I've received\n\nChannel 1: Mhmm.\n\nChannel 0: that budget spreadsheet back, I can then look at reviewing the superannuation portfolio, particularly the underlying investments, and seeing if we could look at any changes surrounding investment options, taking into consideration the the topics we discussed earlier, look at salary sacrifice, and also look at investment options. So I I feel like once I do get that cash flow back, there's a fair bit in there for me to look at,\n\nChannel 1: No.\n\nChannel 0: and it will probably take about three to four weeks to get an advice document together once the the cash flow document has been received. So I will reach out and keep\n\nChannel 1: Mhmm.\n\nChannel 0: you updated, but those are the next steps if you're happy with that.\n\nChannel 1: Look. I'm I'm happy with that too. So in in terms of it, I'm just recapping on a form on my side what I need to do. So I'll complete the the cash flow documents that you'll send through.\n\nChannel 0: Mhmm.\n\nChannel 1: You'll send me then the... Basically a summary of what we've discussed here. And then in about three to four weeks' time, we'll probably have another catch up to then talk about, you know, what does it look like from an investment and if anything else that needs to change.\n\nChannel 0: 100%.\n\nChannel 1: After...\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah. After after you've reviewed through my my cash flow.\n\nChannel 0: Yeah.\n\nChannel 1: Part of this... As you mentioned before, you mentioned about will and power of attorney and those kind of things. Is that part of\n\nChannel 0: Mhmm.\n\nChannel 1: the time, or is it something that we do at the second the second time?\n\nChannel 0: That's something you need to do with your... With a lawyer. What I'm going to do is in my email I'm sending to you, I'm\n\nChannel 1: Mhmm.\n\nChannel 0: going to send you a brochure for a professional partner that we use. They can do it remotely or virtually like we conduct our reviews. Their fees are quite reasonable,\n\nChannel 1: Okay.\n\nChannel 0: very reasonable, actually. And if you want to proceed, you just reach out to them. But so I'm gonna send you an email with some information for you to be able to to act upon. So I'll I'll step that out for you in the email.\n\nChannel 1: Fantastic. And then, let's see. My only other question was... Okay. So you mentioned below with the investments and if we want to go...\n\nThat that does incur additional fee and additional ongoing charge as well.\n\nChannel 0: It does. So in the email, I'll I will map that out. Yeah. I'll give you an indication. So I won't be able...\n\nI can give you an indication of what it will be. And once I've received the cash flow and we... I kind of figure out what my recommendation's gonna be when we meet in three to four weeks' time, I'll actually be able to give you a document that says exactly what the fees are going to be, and you can then make an informed decision. But I can definitely give you a guide when I send through the information.\n\nChannel 1: Fantastic. Okay. Fantastic.\n\nChannel 0: Alright. Lovely. Well, thank you for your time today. It was lovely speaking with you.\n\nChannel 1: Thank you very much, Shannon. It was a pleasure speaking with you and and helping keeping me accountable for all disciplines at least, you know, in terms of trying to... I'm trying to be talking for myself as opposed to helping everybody else. So\n\nChannel 0: Yeah. Yeah. Good. Good. I'm glad.\n\nSo I'm more than happy to be your partner in that and help you work towards that.\n\nChannel 1: fantastic. Thank you. So I'll look\n\nChannel 0: Lovely.\n\nChannel 1: out for your emails on this one. So, yeah, I'll send it back, and then we'll be\n\nChannel 0: Yep.\n\nChannel 1: in touch and talk soon..\n\nChannel 0: Yeah. Definitely. Definitely. Thank you, and I'll speak with you soon.\n\nChannel 1: Thank you. Have a good one.\n\nChannel 0: Okay. You too.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.27605481445789337},{"text":"It's Samantha speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.1456505407889684}],"sentiment":"neutral","sentiment_score":0.1978122502565384,"channel":1,"num_words":5,"start":1.5999999,"end":3.06},{"sentences":[{"text":"Good morning.","start":4.0,"end":4.72,"sentiment":"positive","sentiment_score":0.3581543564796448},{"text":"This is Jenniferning from Oakview Financial.","start":4.72,"end":7.06,"sentiment":"neutral","sentiment_score":0.24710705876350403},{"text":"How are you today?","start":7.2,"end":8.18,"sentiment":"neutral","sentiment_score":0.2550346106290817}],"sentiment":"neutral","sentiment_score":0.26825745900472003,"channel":0,"num_words":12,"start":4.0,"end":8.18},{"sentences":[{"text":"Good, Nikisha.","start":8.4,"end":9.22,"sentiment":"positive","sentiment_score":0.4264789968729019},{"text":"How are you doing?","start":9.28,"end":10.179999,"sentiment":"neutral","sentiment_score":0.3181731626391411}],"sentiment":"positive","sentiment_score":0.354275107383728,"channel":1,"num_words":6,"start":8.4,"end":10.179999},{"sentences":[{"text":"I'm well.","start":10.48,"end":11.04,"sentiment":"positive","sentiment_score":0.4101148992776871},{"text":"Thanks.","start":11.04,"end":11.44,"sentiment":"positive","sentiment_score":0.5999377369880676},{"text":"I'm well.","start":11.44,"end":12.0,"sentiment":"positive","sentiment_score":0.3841998875141144},{"text":"Just before I do go any further, I do need to let you know that our calls are recorded for 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Craigieburn.","start":31.56,"end":35.58,"sentiment":"neutral","sentiment_score":0.009841217814634243}],"sentiment":"neutral","sentiment_score":0.007244229514617473,"channel":1,"num_words":20,"start":26.785,"end":35.58},{"sentences":[{"text":"That's correct.","start":36.36,"end":37.16,"sentiment":"neutral","sentiment_score":0.029122933745384216},{"text":"Yeah.","start":37.16,"end":37.48,"sentiment":"neutral","sentiment_score":0.0036465460434556007},{"text":"Does that need to be updated at all?","start":37.48,"end":39.58,"sentiment":"neutral","sentiment_score":-0.021358011988922954}],"sentiment":"neutral","sentiment_score":-0.009906516579741781,"channel":0,"num_words":11,"start":36.36,"end":39.58},{"sentences":[{"text":"Other than that, I've just got two","start":39.56,"end":41.72,"sentiment":"neutral","sentiment_score":-0.004220273794739374}],"sentiment":"neutral","sentiment_score":-0.004220273794739374,"channel":1,"num_words":7,"start":39.56,"end":41.72},{"sentences":[{"text":"Yep.","start":41.695,"end":42.195,"sentiment":"neutral","sentiment_score":0.011078596115112305}],"sentiment":"neutral","sentiment_score":0.011078596115112305,"channel":0,"num_words":1,"start":41.695,"end":42.195},{"sentences":[{"text":"properties attached there, but this is the main one that we use.","start":41.72,"end":44.38,"sentiment":"neutral","sentiment_score":0.019566649571061134},{"text":"So","start":44.6,"end":45.1,"sentiment":"positive","sentiment_score":0.4285333752632141}],"sentiment":"neutral","sentiment_score":0.05102562847045752,"channel":1,"num_words":13,"start":41.72,"end":45.1},{"sentences":[{"text":"Fantastic.","start":44.975,"end":45.475,"sentiment":"positive","sentiment_score":0.6104068756103516},{"text":"Lovely.","start":46.015,"end":46.515,"sentiment":"positive","sentiment_score":0.4879116415977478},{"text":"The purpose of my call today is to phone and go through our scheduled annual review.","start":47.535,"end":53.135,"sentiment":"neutral","sentiment_score":0.13440155214630067},{"text":"Do you still have time to complete that?","start":53.135,"end":55.38,"sentiment":"neutral","sentiment_score":0.03724131407216191}],"sentiment":"neutral","sentiment_score":0.1364105332356233,"channel":0,"num_words":26,"start":44.975,"end":55.38},{"sentences":[{"text":"Yep.","start":55.195,"end":55.515,"sentiment":"neutral","sentiment_score":0.02392408810555935},{"text":"Yep.","start":55.515,"end":55.835,"sentiment":"neutral","sentiment_score":0.023814737796783447},{"text":"Yep.","start":55.835,"end":56.155,"sentiment":"neutral","sentiment_score":0.04338739812374115},{"text":"I do.","start":56.155,"end":56.715,"sentiment":"neutral","sentiment_score":0.06715627014636993},{"text":"And it's...","start":56.715,"end":57.375,"sentiment":"neutral","sentiment_score":0.025774534791707993}],"sentiment":"neutral","sentiment_score":0.03956969055746283,"channel":1,"num_words":7,"start":55.195,"end":57.375},{"sentences":[{"text":"And thank you for trying to get in touch with us because me quite busy.","start":57.995,"end":61.24,"sentiment":"neutral","sentiment_score":0.09597104812661807},{"text":"But, yes, you've got me for at least the next hour or so.","start":61.24,"end":64.3,"sentiment":"neutral","sentiment_score":0.05900621614777125}],"sentiment":"neutral","sentiment_score":0.07880880470786776,"channel":1,"num_words":28,"start":57.995,"end":64.3},{"sentences":[{"text":"Lovely.","start":65.14,"end":65.64,"sentiment":"neutral","sentiment_score":0.32930850982666016},{"text":"Thank you.","start":65.94,"end":66.76,"sentiment":"neutral","sentiment_score":0.30293019115924835},{"text":"Well, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review.","start":66.98,"end":79.125,"sentiment":"neutral","sentiment_score":0.0022227994344767034}],"sentiment":"neutral","sentiment_score":0.0248691529428115,"channel":0,"num_words":41,"start":65.14,"end":79.125},{"sentences":[{"text":"Okay.","start":80.795,"end":81.274994,"sentiment":"neutral","sentiment_score":-0.015303460881114006},{"text":"That was...","start":81.274994,"end":81.835,"sentiment":"neutral","sentiment_score":-0.018823247402906418},{"text":"Would have been back in...","start":81.835,"end":83.295,"sentiment":"neutral","sentiment_score":-0.03926314935088158},{"text":"Oh, when would that would have been?","start":84.23499,"end":85.674995,"sentiment":"neutral","sentiment_score":-0.045482607292277474},{"text":"Was it September of last year or August last year?","start":85.674995,"end":88.634995,"sentiment":"neutral","sentiment_score":-0.040391677245497706}],"sentiment":"neutral","sentiment_score":-0.03886242903769016,"channel":1,"num_words":25,"start":80.795,"end":88.634995},{"sentences":[{"text":"It was, like,","start":88.634995,"end":89.1,"sentiment":"neutral","sentiment_score":-0.05884620050589243}],"sentiment":"neutral","sentiment_score":-0.05884620050589243,"channel":1,"num_words":3,"start":88.634995,"end":89.1},{"sentences":[{"text":"I can tell you exactly when it would have been.","start":89.36,"end":92.72,"sentiment":"neutral","sentiment_score":-0.05417025238275528},{"text":"It would have been July last year, actually.","start":92.72,"end":98.975,"sentiment":"neutral","sentiment_score":-0.037434417055919766},{"text":"July 2025.","start":98.975,"end":100.435005,"sentiment":"neutral","sentiment_score":-0.018128023482859135}],"sentiment":"neutral","sentiment_score":-0.04387169536203146,"channel":0,"num_words":20,"start":89.36,"end":100.435005},{"sentences":[{"text":"Even 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on on more money.","start":150.18,"end":154.04,"sentiment":"neutral","sentiment_score":-0.06877064146101475},{"text":"I can't remember","start":154.34,"end":154.98,"sentiment":"neutral","sentiment_score":-0.04908907413482666}],"sentiment":"neutral","sentiment_score":-0.04749200236983597,"channel":1,"num_words":18,"start":147.3,"end":154.98},{"sentences":[{"text":"Yeah.","start":154.73999,"end":155.23999,"sentiment":"neutral","sentiment_score":-0.023028211668133736}],"sentiment":"neutral","sentiment_score":-0.023028211668133736,"channel":0,"num_words":1,"start":154.73999,"end":155.23999},{"sentences":[{"text":"what I was when I told...","start":154.98,"end":156.34,"sentiment":"neutral","sentiment_score":-0.01319974505652984},{"text":"What I told you back then, but I'm roughly about $2.30 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due","start":2354.37,"end":2359.97,"sentiment":"neutral","sentiment_score":0.21265493519604206}],"sentiment":"neutral","sentiment_score":0.21265493519604206,"channel":0,"num_words":8,"start":2354.37,"end":2359.97},{"sentences":[{"text":"Yep.","start":2359.765,"end":2360.265,"sentiment":"neutral","sentiment_score":0.220741868019104}],"sentiment":"neutral","sentiment_score":0.220741868019104,"channel":1,"num_words":1,"start":2359.765,"end":2360.265},{"sentences":[{"text":"to your goal of wanting to be investing environmentally and socially ethical 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growth investor, we would typically expect to see an average rolling return of between eight to 10% per annum.","start":2456.7751,"end":2465.0352,"sentiment":"neutral","sentiment_score":-0.017370319614807766},{"text":"An ethical portfolio would would...","start":2465.54,"end":2469.08,"sentiment":"neutral","sentiment_score":-0.03570807054638862},{"text":"Regardless of how it was invested across different risk profiles and allocation to growth assets would be significantly historically, performance wise, less than what we would typically see in a portfolio that has more diversification.","start":2469.8599,"end":2491.605,"sentiment":"neutral","sentiment_score":-0.20252417070525033}],"sentiment":"neutral","sentiment_score":-0.10651508562786635,"channel":0,"num_words":86,"start":2446.02,"end":2491.605},{"sentences":[{"text":"I mean, 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can have a look at those.","start":2593.875,"end":2596.5352,"sentiment":"neutral","sentiment_score":-0.053027969474593796}],"sentiment":"neutral","sentiment_score":-0.056737023241379685,"channel":0,"num_words":17,"start":2592.2751,"end":2596.5352},{"sentences":[{"text":"of...","start":2596.1902,"end":2596.6902,"sentiment":"neutral","sentiment_score":-0.08322431892156601},{"text":"I mean, so the things that that that do not take into account, like, you know, the the long term environmental sustainability here.","start":2596.75,"end":2606.565,"sentiment":"neutral","sentiment_score":-0.16812212991973627},{"text":"And I know it's...","start":2606.565,"end":2607.925,"sentiment":"neutral","sentiment_score":-0.11479056999087334},{"text":"Like, companies are getting better on that.","start":2607.925,"end":2609.865,"sentiment":"neutral","sentiment_score":-0.18698451135839736},{"text":"Also, companies that support things that that actually are 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you","start":2975.505,"end":2975.9849,"sentiment":"neutral","sentiment_score":0.08634834612409274}],"sentiment":"neutral","sentiment_score":0.23459814793684267,"channel":1,"num_words":11,"start":2973.0198,"end":2975.9849},{"sentences":[{"text":"Of","start":2975.965,"end":2976.125,"sentiment":"neutral","sentiment_score":0.016669441014528275}],"sentiment":"neutral","sentiment_score":0.016669441014528275,"channel":0,"num_words":1,"start":2975.965,"end":2976.125},{"sentences":[{"text":"know,","start":2975.9849,"end":2976.4849,"sentiment":"neutral","sentiment_score":0.08072115480899811}],"sentiment":"neutral","sentiment_score":0.08072115480899811,"channel":1,"num_words":1,"start":2975.9849,"end":2976.4849},{"sentences":[{"text":"course.","start":2976.125,"end":2976.625,"sentiment":"neutral","sentiment_score":0.16314861178398132}],"sentiment":"neutral","sentiment_score":0.16314861178398132,"channel":0,"num_words":1,"start":2976.125,"end":2976.625},{"sentences":[{"text":"I'll probably sign it 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I'll step that out for you in the email.","start":3131.55,"end":3134.05,"sentiment":"neutral","sentiment_score":0.25795525176958606}],"sentiment":"neutral","sentiment_score":0.2646733975928763,"channel":0,"num_words":46,"start":3120.645,"end":3134.05},{"sentences":[{"text":"Fantastic.","start":3134.5151,"end":3135.0151,"sentiment":"positive","sentiment_score":0.6625158786773682},{"text":"And then, let's see.","start":3136.76,"end":3137.96,"sentiment":"neutral","sentiment_score":0.19819829240441322},{"text":"My only other question was...","start":3137.96,"end":3139.08,"sentiment":"neutral","sentiment_score":0.017469792813062667},{"text":"Okay.","start":3139.08,"end":3139.32,"sentiment":"neutral","sentiment_score":0.0019633378833532333},{"text":"So you mentioned below with the investments and if we want to 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soon..","start":3216.9,"end":3218.28,"sentiment":"neutral","sentiment_score":0.18405496776103974}],"sentiment":"neutral","sentiment_score":0.18405496776103974,"channel":1,"num_words":5,"start":3216.9,"end":3218.28},{"sentences":[{"text":"Yeah.","start":3219.4102,"end":3219.73,"sentiment":"neutral","sentiment_score":0.18229547142982483},{"text":"Definitely.","start":3219.73,"end":3220.23,"sentiment":"positive","sentiment_score":0.33338260650634766},{"text":"Definitely.","start":3220.69,"end":3221.19,"sentiment":"positive","sentiment_score":0.4059080481529236},{"text":"Thank you, and I'll speak with you soon.","start":3221.33,"end":3223.4302,"sentiment":"positive","sentiment_score":0.5933081582188606}],"sentiment":"positive","sentiment_score":0.5152773992581801,"channel":0,"num_words":11,"start":3219.4102,"end":3223.4302},{"sentences":[{"text":"Thank you.","start":3223.54,"end":3224.18,"sentiment":"positive","sentiment_score":0.7243680655956268},{"text":"Have a good one.","start":3224.18,"end":3225.0,"sentiment":"positive","sentiment_score":0.650624617934227}],"sentiment":"positive","sentiment_score":0.6752057671546936,"channel":1,"num_words":6,"start":3223.54,"end":3225.0},{"sentences":[{"text":"Okay.","start":3224.85,"end":3225.35,"sentiment":"neutral","sentiment_score":0.2898018956184387},{"text":"You too.","start":3225.73,"end":3226.21,"sentiment":"neutral","sentiment_score":0.2970714122056961}],"sentiment":"neutral","sentiment_score":0.29464824000994366,"channel":0,"num_words":3,"start":3224.85,"end":3226.21},{"sentences":[{"text":"Bye.","start":3226.18,"end":3226.68,"sentiment":"neutral","sentiment_score":0.19052064418792725}],"sentiment":"neutral","sentiment_score":0.19052064418792725,"channel":1,"num_words":1,"start":3226.18,"end":3226.68},{"sentences":[{"text":"Bye.","start":3226.21,"end":3226.71,"sentiment":"neutral","sentiment_score":-0.08207055926322937}],"sentiment":"neutral","sentiment_score":-0.08207055926322937,"channel":0,"num_words":1,"start":3226.21,"end":3226.71}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses significant changes to Nikisha's financial situation since the last annual review, including retirement plans and retirement goals for the next five years, income and expenses, and potential salary increases. They also discuss the retirement plans, income, and expenses of the customer, including their employment history and home loan balance. The agent provides information on the customer's income and expenses, retirement goals, and health and lifestyle. They also discuss the customer's investment portfolio, risk profile, and investment plans. The speaker emphasizes the importance of reviewing the portfolio and updating the cash flow document, and offers assistance with any questions. They plan to provide a summary of the financial services guide and a budget sheet."},"intents":{"segments":[{"text":"And can I please ask you to confirm your full name, date of birth, and address, please? It's a mother, the date of August 1978. And I think I've got you down at 269 Marathon Boulevard, Craigieburn. That's correct.","start_word":62,"end_word":100,"intents":[{"intent":"Confirm address","confidence_score":0.17772794}]},{"text":"Does that need to be updated at all?","start_word":102,"end_word":109,"intents":[{"intent":"Update information","confidence_score":0.02125121}]},{"text":"The purpose of my call today is to phone and go through our scheduled annual review. Do you still have time to complete that? Yep.","start_word":133,"end_word":157,"intents":[{"intent":"Complete annual review","confidence_score":0.39000654}]},{"text":"Well, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review. Okay.","start_word":195,"end_word":233,"intents":[{"intent":"Check personal situation","confidence_score":0.024096683},{"intent":"Touch base with speaker","confidence_score":0.022825448}]},{"text":"Now... So with the director of strategy and projects, what would you say your job description or duties are?","start_word":692,"end_word":710,"intents":[{"intent":"Provide job description and duties","confidence_score":0.0012759902}]},{"text":"At enrollment now, I'm actually building the five year strategy Yep. for an organization.","start_word":711,"end_word":724,"intents":[{"intent":"Set up strategy","confidence_score":0.13775052}]},{"text":"want me to do a full review and then kind of get things back in shape so that, you know, we can move forward with that.","start_word":846,"end_word":871,"intents":[{"intent":"Review and prepare for review","confidence_score":0.050343484}]},{"text":"Congratulations on your upcoming anniversary. I see. Okay.","start_word":968,"end_word":975,"intents":[{"intent":"Congratulate on anniversary","confidence_score":0.221158}]},{"text":"I can still put it down as 300. Like, I I haven't gone below that. But Yep. since I since I've paid off my my hacks, you know, that... A lot of that just gone straight into well, yeah, it it it just got straight to my offset account. So Yeah. No. That... I I understand that. That's absolutely fine. Do you have any idea what your expenditure would be per week?","start_word":1015,"end_word":1086,"intents":[{"intent":"Determine budget budget","confidence_score":0.00012001544}]},{"text":"With your work, do you have any type of EBA agreement? Yeah.","start_word":1434,"end_word":1445,"intents":[{"intent":"Discuss eba agreement","confidence_score":0.08466819}]},{"text":"It's for the residential or the investment? home?","start_word":2467,"end_word":2474,"intents":[{"intent":"Check interest rate","confidence_score":0.13884032},{"intent":"Determine interest rate","confidence_score":0.075553454}]},{"text":"how much rent do you receive from that?","start_word":2579,"end_word":2586,"intents":[{"intent":"Determine rental amount","confidence_score":0.025998158}]},{"text":"Yeah.","start_word":2637,"end_word":2637,"intents":[{"intent":"Determine share combination","confidence_score":0.0048770574}]},{"text":"you can actually help me, you know, to to to to better structure and better things. So that's why they we... That's why they gave me advice of to restructure my loans and and all that before. Lovely.","start_word":2789,"end_word":2826,"intents":[{"intent":"Restructure loan","confidence_score":0.0054547437}]},{"text":"We can touch base on that again today and and sort of revisit those conversations.","start_word":2878,"end_word":2892,"intents":[{"intent":"Revisit conversations","confidence_score":0.2878626}]},{"text":"if I go back up to the top of my page here, what I'm gonna do is talk through what we had here as your goals and objectives when you last spoke with your review.","start_word":2992,"end_word":3026,"intents":[{"intent":"Discuss goals and objectives","confidence_score":0.1211247}]},{"text":"So your main goal at that time was to build and develop your property portfolio to the point where you have one property in each state and then look at maybe buying properties overseas.","start_word":3055,"end_word":3088,"intents":[{"intent":"Evaluate property portfolio opportunities","confidence_score":0.0002043899}]},{"text":"Is it to facilitate an earlier retirement? Is it to supplement superannuation retirement income to allow you more income?","start_word":3658,"end_word":3676,"intents":[{"intent":"Facilitate retirement","confidence_score":0.004534205}]},{"text":"I would like to have that supplement, you know, my retirement income for whatever I I get from superb as such. So Okay.","start_word":3772,"end_word":3794,"intents":[{"intent":"Provide retirement income","confidence_score":0.1357338},{"intent":"Determine personal financial goals","confidence_score":0.000059999355}]},{"text":"What initial type of investment would you like? So when we set up an investment account, what would be your initial amount that you would feel comfortable investing?","start_word":3836,"end_word":3863,"intents":[{"intent":"Explore investment options","confidence_score":0.004360901},{"intent":"Understand investment level","confidence_score":0.015739309}]},{"text":"So when we set up an investment account, what would be your initial amount that you would feel comfortable investing?","start_word":3844,"end_word":3863,"intents":[{"intent":"Set up investment account","confidence_score":0.5748496}]},{"text":"Yeah.","start_word":3995,"end_word":3995,"intents":[{"intent":"Explore financial goals","confidence_score":0.0032909317}]},{"text":"Would it be... How much per month do you think you would want to contribute to that for me I to be able I... to look at?","start_word":4039,"end_word":4065,"intents":[{"intent":"Determine monthly contribution","confidence_score":0.05309548}]},{"text":"this is where I was hoping to see the understanding of what it is. If I would say put in an extra, I don't know, you know, $205,100 bucks a week into this. How would that look like? Yes.","start_word":4141,"end_word":4179,"intents":[{"intent":"Understand cost","confidence_score":0.0403444}]},{"text":"I can definitely help you facilitate a plan and work with you to hold you accountable to achieving the goals that you wanna achieve.","start_word":4280,"end_word":4303,"intents":[{"intent":"Facilitate plan","confidence_score":0.7305036}]},{"text":"Are you wishing to continue to travel? I know that you said you do a lot of travel. I... I've really done all that and more. Yeah.","start_word":4395,"end_word":4421,"intents":[{"intent":"Continue traveling","confidence_score":0.08488626}]},{"text":"And and then I've got another trip to China, two more trips to Vietnam. And at some point, I'll be also going back to Singapore to see family, and friends as well. So, Yes.","start_word":4465,"end_word":4498,"intents":[{"intent":"Plan trip","confidence_score":0.37681863}]},{"text":"You said that you wanted to do an in-depth review of your insurances as you feel like you don't have appropriate covers in place if something was to happen to you.","start_word":4554,"end_word":4584,"intents":[{"intent":"Review insurance coverages","confidence_score":0.035071317}]},{"text":"Retirement, you looked at... We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week. Is that still current?","start_word":4749,"end_word":4787,"intents":[{"intent":"Start looking at retirement","confidence_score":0.01778257}]},{"text":"Retirement, you looked at... We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week. Is that still current? Yeah.","start_word":4749,"end_word":4788,"intents":[{"intent":"Retire at age 70","confidence_score":0.023491334}]},{"text":"When we talk about me wanting to draft up a will, it was more so that, you know, my sister, the one on file, Nadia, Mhmm.","start_word":5155,"end_word":5180,"intents":[{"intent":"Draft will","confidence_score":0.38727564}]},{"text":"So my best friend's daughter as such there will probably be the five beneficiaries that, Mhmm.","start_word":5210,"end_word":5225,"intents":[{"intent":"Identify beneficiaries","confidence_score":0.074622214}]},{"text":"of that, look, I would probably say, like, you know, sell off the investment property to sell off that loan.","start_word":5243,"end_word":5262,"intents":[{"intent":"Sell investment property","confidence_score":0.3583633}]},{"text":"looking for a way to better structure my my investment property itself. I would like to get that amount, I guess, lower so that, you know, it's no longer using my residential property as equity against it. Mhmm.","start_word":5344,"end_word":5381,"intents":[{"intent":"Structure investment property","confidence_score":0.7339457}]},{"text":"And then, you know, and then look at how I can then just build up, you know, further investments through. So does that help answer your question? Yeah.","start_word":5383,"end_word":5410,"intents":[{"intent":"Build up investments","confidence_score":0.0498139}]},{"text":"The income protection Mhmm. income protection income protection is where you are unable to work due to injury or illness, and there is what we call a waiting period and a benefit period.","start_word":5473,"end_word":5505,"intents":[{"intent":"Review income protection","confidence_score":0.72593707}]},{"text":"Is that something that you'd be interested in receiving advice on?","start_word":5867,"end_word":5877,"intents":[{"intent":"Provide medical advice","confidence_score":0.00018238653}]},{"text":"Well, it said... And this is where I'd like to really just understand, like, what are the the options. Mhmm.","start_word":6423,"end_word":6442,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.17589019}]},{"text":"I'm... I I don't feel comfortable knowing that I'm making money from, you know, a company that's making bullets that's killing children. Absolutely. So I completely understand that. Leave that with me, and I can look into that a little bit Mhmm. more. Because it might be that we can still have some alternative options that don't particularly Mhmm. have exposure to those types of activities. Alright.","start_word":6636,"end_word":6702,"intents":[{"intent":"Evaluate financial options","confidence_score":0.07434002}]},{"text":"So that is a educational piece that I like to just talk through in relation to clients' risk profile.","start_word":6914,"end_word":6932,"intents":[{"intent":"Discuss risk profile","confidence_score":0.16278942}]},{"text":"So yours, as I mentioned earlier, is a high growth.","start_word":6932,"end_word":6941,"intents":[{"intent":"Recommend high growth","confidence_score":0.0029920186}]},{"text":"The next document across is the financial services guide. So that is our document that explains who we are, that we're authorized through ASIC or licensed through ASIC, the types of advice we provide and how we provide it, our fee structure, and if you are unhappy with any of the services, the complaints process. All good.","start_word":7068,"end_word":7124,"intents":[{"intent":"Provide information","confidence_score":0.035816465},{"intent":"Provide financial services guide","confidence_score":0.0014778808},{"intent":"Explain fee structure","confidence_score":0.2193402},{"intent":"Inform about policy","confidence_score":0.000058037727},{"intent":"Provide information","confidence_score":0.07283309}]},{"text":"our ongoing advice. So that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum. So that's deducted monthly from your hub twenty four account. Uh-huh.","start_word":7171,"end_word":7203,"intents":[{"intent":"Communicate fee details","confidence_score":0.00066352333}]},{"text":"So that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum. So that's deducted monthly from your hub twenty four account. Uh-huh.","start_word":7174,"end_word":7203,"intents":[{"intent":"Specify fee amount","confidence_score":0.00046560497}]},{"text":"If we do look at investments as part of a recommendation, there will be an advice fee and an ongoing fee for that one.","start_word":7268,"end_word":7291,"intents":[{"intent":"Discuss asset recommendations","confidence_score":1.20853e-7}]},{"text":"But I can give you more information on that when I've had a look at your cash flow Mhmm.","start_word":7292,"end_word":7310,"intents":[{"intent":"Provide information","confidence_score":0.15594248}]},{"text":"Once I've received Mhmm. that budget spreadsheet back, I can then look at reviewing the superannuation portfolio, particularly the underlying investments, and seeing if we could look at any changes surrounding investment options, taking into consideration the the topics we discussed earlier, look at salary sacrifice, and also look at investment options.","start_word":7500,"end_word":7551,"intents":[{"intent":"Discuss investment options","confidence_score":0.011021497},{"intent":"Review portfolio","confidence_score":0.6938508},{"intent":"Review investment options","confidence_score":0.04120064},{"intent":"Review portfolio","confidence_score":0.017714027}]},{"text":"So in in terms of it, I'm just recapping on a form on my side what I need to do. So I'll complete the the cash flow documents that you'll send through. Mhmm.","start_word":7630,"end_word":7662,"intents":[{"intent":"Recap and update information","confidence_score":0.0004593762}]},{"text":"What I'm going to do is in my email I'm sending to you, I'm Mhmm. going to send you a brochure for a professional partner that we use. They can do it remotely or virtually like we conduct our reviews. Their fees are quite reasonable, Okay.","start_word":7779,"end_word":7824,"intents":[{"intent":"Discuss investment and fees","confidence_score":0.006105865},{"intent":"Send brochure","confidence_score":0.47309163}]},{"text":"So in the email, I'll I will map that out. Yeah.","start_word":7909,"end_word":7919,"intents":[{"intent":"Map out cost","confidence_score":0.10694484}]}]},"sentiments":{"segments":[{"text":"Good morning. It's Samantha speaking.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.18739141523838043},{"text":"Good morning.","start_word":5,"end_word":6,"sentiment":"positive","sentiment_score":0.3517167270183563},{"text":"This is Jenniferning from Oakview Financial. How are you today?","start_word":7,"end_word":16,"sentiment":"neutral","sentiment_score":0.2485528141260147},{"text":"Good, Nikisha.","start_word":17,"end_word":18,"sentiment":"positive","sentiment_score":0.40295425057411194},{"text":"How are you doing?","start_word":19,"end_word":22,"sentiment":"neutral","sentiment_score":0.316422700881958},{"text":"I'm well. Thanks. I'm well.","start_word":23,"end_word":27,"sentiment":"positive","sentiment_score":0.43130382895469666},{"text":"Just before I do go any further, I do need to let you know that our calls are recorded for quality Yep. and coaching purposes. Is that okay?","start_word":28,"end_word":55,"sentiment":"neutral","sentiment_score":0.037965863943099976},{"text":"All good. All good. Thank you.","start_word":56,"end_word":61,"sentiment":"positive","sentiment_score":0.3603481352329254},{"text":"And can I please ask you to confirm your full name, date of birth, and address, please? It's a mother, the date of August 1978. And I think I've got you down at 269 Marathon Boulevard, Craigieburn. That's correct. Yeah. Does that need to be updated at all? Other than that, I've just got two Yep. properties attached there, but this is the main one that we use.","start_word":62,"end_word":129,"sentiment":"neutral","sentiment_score":0.012013697996735573},{"text":"So Fantastic. Lovely.","start_word":130,"end_word":132,"sentiment":"positive","sentiment_score":0.5250340700149536},{"text":"The purpose of my call today is to phone and go through our scheduled annual review. Do you still have time to complete that? Yep. Yep. Yep. I do. And it's... And thank you for trying to get in touch with us because me quite busy. But, yes, you've got me for at least the next hour or so. Lovely. Thank you. Well, how I would probably like to start, first of all, is just touching base with you to see if there's been any significant changes to your personal or financial situation since you last had your annual review. Okay. That was... Would have been back in... Oh, when would that would have been? Was it September of last year or August last year? It was, like, I can tell you exactly when it would have been. It would have been July last year, actually. July 2025. Even more. Okay. Okay. Yeah. So Yeah. so so that that allows me to know exactly what's happened since then. Okay. I've moved jobs. I've changed jobs as such Yep. to a different company still within government as such, but I've moved from... I think I headed down as Department of Transport and Yes. Plant That's right. in in Victoria. I've now moved to AIMS Australia, a m e s. A m e s. Yep. Australia. Yep. Yeah. The role I'm doing is... What's my title? Director of strategic of strategy and projects. Yeah. In terms of it... Oh, I can't even remember. I am on on more money. I can't remember Yeah. what I was when I told... What I told you back then, but I'm roughly about $2.30 now. 230. Is that plus super? No. Before super. Sorry. So including. Yep. So so so super is is on top of that. So with super, Yeah. like, Plus 200 super. and something. Yeah. Yeah.","start_word":133,"end_word":445,"sentiment":"neutral","sentiment_score":0.008960496498117098},{"text":"Lovely. Fantastic.","start_word":446,"end_word":447,"sentiment":"positive","sentiment_score":0.6061578989028931},{"text":"Any other... So any other changes that are significant? Nothing yet. Nothing that I can think of. That's probably the biggest change. Yeah. In terms of it from, I guess, what do you call it, financial perspective? I paid off my HECS, my HELP loan. Yeah.","start_word":448,"end_word":493,"sentiment":"neutral","sentiment_score":-0.0016081224894151092},{"text":"Congratulations.","start_word":494,"end_word":494,"sentiment":"positive","sentiment_score":0.3837328553199768},{"text":"Uh-huh. So, yes, so so that... That's... It's great to actually start getting, you know, 10% back. Okay. Yeah. Yeah. And I see that that one's being paid off.","start_word":495,"end_word":523,"sentiment":"neutral","sentiment_score":0.2449558526277542},{"text":"Lovely.","start_word":524,"end_word":524,"sentiment":"positive","sentiment_score":0.4269090294837952},{"text":"Seems anything else... I haven't made any large purchases or, like, investments or something like that in the Okay. last few months. Yeah. Pretty much. It's just, yeah, I think it's... My my my status is still great. Same. I'm still single. I Yes. thought through there. Yeah. I think I think that's pretty much for it. Is there anything else? I'm just trying to see what else to do would be of significance for you. Yeah. That's okay. Well, what I can do is run through what we do have on file, and then anything that's different, you can you can give me an update. Yeah. Yeah. Yeah. Yeah. So we have your email address. Has that changed? Still the same. So mothershimmy@alphabets.com? Lovely. Do you have any dependents? Any dependents? No. I just have no children. Yes? Okay. And I have your sister here, Nadia Franken, Yeah. I do. Correct. Yep. as your next of kin. Is that still correct? That's still correct. Yep. Okay. Now... So with the director of strategy and projects, what would you say your job description or duties are? At enrollment now, I'm actually building the five year strategy Yep. for an organization. After this... Maybe it's... The reality of my job is... Because I report directly to our CEO. It's whatever the CEO wants. So it's it's a very, very generic title to just Yeah. parachute me into whatever problems the organization has. Yeah. In terms of it, so I'm I'm building the strategy for the next five years. Straight after that, I'll probably start building or developing kind of like an enterprise PMO type office. So I'll set that Yep. one up as such. And then I know later next year, Mhmm. they'll probably put me into one of the portfolios because one of the GMs is about to leave, but there's a lot of problems in there. And so they Yep. want me to do a full review and then kind of get things back in shape so that, you know, we can move forward with that. So I don't know how Okay. to describe that. It's a job description, but, yeah, it's kind of like, you know, we have to fire and they point point at it, and I just go there. I understand. So it's predominantly office space. Oh, it is all office space, but I do go out to sites because we've got about 47 sites across Australia. So Okay. Okay. I'm just gonna make a note of that. Okay. Now how long have you been with AIMS for? And so Friday will be exactly one year. Okay.","start_word":525,"end_word":965,"sentiment":"neutral","sentiment_score":0.02558284391841245},{"text":"That's great. Congratulations on your upcoming anniversary.","start_word":966,"end_word":972,"sentiment":"positive","sentiment_score":0.6824510097503662},{"text":"I see. Okay. So we've gone through your income. Mhmm. Previously, we had you saving about $300 per week. Do you think that is still correct? I would say probably more, but I have not really checked, to be honest. Look. I can still put it down as 300. Like, I I haven't gone below that. But Yep. since I since I've paid off my my hacks, you know, that... A lot of that just gone straight into well, yeah, it it it just got straight to my offset account. So Yeah. No. That... I I understand that.","start_word":973,"end_word":1070,"sentiment":"neutral","sentiment_score":-0.042883873085624406},{"text":"That's absolutely fine.","start_word":1071,"end_word":1073,"sentiment":"positive","sentiment_score":0.4301834106445313},{"text":"Do you have any idea what your expenditure would be per week? No. I'm... That... That's why that's why I kind of signed up to this so I can actually remind me to do do, like, an annual check. Yeah. Okay. That's fine. So Okay. Would you like me to send you through post our conversation, our cash flow Next. budget document for you to complete? And Yep. Yep. that way, we can help you stick to any plans that you make as... That sounds good.","start_word":1074,"end_word":1159,"sentiment":"neutral","sentiment_score":0.16081781685352323},{"text":"Lovely.","start_word":1160,"end_word":1160,"sentiment":"positive","sentiment_score":0.5898565053939819},{"text":"Okay. Do you make any additional contributions to Super at the moment? Yeah. I've made a few, but, I mean, it's it's only a few thousand over the last year and this year as such. But, yeah, Okay. I'll need to go and check on that. Do you just do them ad hoc when you... Okay. Like, there's Yeah. Because I do... I I haven't set anything up since moving into this new... Again, this new role. okay. Did you wanna look at setting up any kind of salary sacrifice arrangement? I do, but I also am mindful because this is one of the problems I had because I was still under the help. I Yep. I already triggered because I already went over there with it. What was Cap. that ruling? Contribution. The... Yeah. Yep. Contribution cap and things like that. So that's why I was very... I was advised that, look, you have to be very careful because you just need to pay tax on top of that Yeah. regarding Yep. So that. we could... Yeah. So Yeah. that's something I can definitely have a look at for you and take that into consideration if you want me to look at that for Yeah. you. Yeah. If you could, please, if it's not about paid off the the hacks, That should Yep. not put me below that... With the $2.07... Whatever it is, the the the threshold it Yes. is. Yeah. It's gone up a little bit now, so you got a little bit more room to play with. So Okay.","start_word":1161,"end_word":1423,"sentiment":"neutral","sentiment_score":-0.009822761363742922},{"text":"Yep. we can definitely have a look at that.","start_word":1424,"end_word":1432,"sentiment":"positive","sentiment_score":0.4377064108848572},{"text":"Mhmm. With your work, do you have any type of EBA agreement? Yeah. So I do fall under the EBA, which is actually being... Well, it's gonna be negotiated. We're just waiting for them to basically take it off before caretaker and and election starts. That Yep. will put me... That will rate my income again, and I believe they'll then... They'll back pay it for... To earlier this year by the percentage. I think another additional 8% this year. Yep. Yep. And then it's for, I think, 20 something percent over the next three years or four years. Okay. Yeah. Do That's you know if you get any additional super contributions it. above the 12%, or do you receive the 12%? I think 12%. Just the 12%? Yeah. Just a 12%. Yep. Okay. So potentially getting a back pay of 8% from the beginning of this financial year? I think it's just financial year, but I might be wrong. I think it might back pay till a few months before that. But I... Okay. I'm just waiting to actually see the full details as such through that. So Okay. And a potential pay rise of 20% over the next three years, did you say? Mhmm. Yeah. I think it's I think it's actually four years, if I remember correctly. Four years. Yeah. Alright. That's okay. I I I I'll I can just I can send all those details as such, you know, once once I've actually seen that tool, what has been agreed through by government? So yep.","start_word":1433,"end_word":1691,"sentiment":"neutral","sentiment_score":0.02337978035211563},{"text":"That's absolutely Mhmm.","start_word":1692,"end_word":1694,"sentiment":"positive","sentiment_score":0.4628196954727173},{"text":"fine. I'll just make a note of it just to make sure that if there's anything we need to check when we check... When we have a chat next that I update that. So I've just got a bit of information there. Okay.","start_word":1695,"end_word":1737,"sentiment":"neutral","sentiment_score":0.07672585754893547},{"text":"Cool. Cool.","start_word":1738,"end_word":1739,"sentiment":"positive","sentiment_score":0.3964087963104248},{"text":"So the last time that you had a review, you were working with a mortgage broker to review and clean up your home loan. Yes. I do. Did you... You did.","start_word":1740,"end_word":1770,"sentiment":"neutral","sentiment_score":0.08585609495639801},{"text":"Lovely.","start_word":1771,"end_word":1771,"sentiment":"positive","sentiment_score":0.3355156183242798},{"text":"So what is your home loan at your... Outstanding balance at the moment? So for my own home, Yes, it's please. roughly about 170 something tells... 180,000 is because it's a ton of debt. Yes. And what's the value of your home? And value... Well, just two doors down. I live in in the townhouse, identical townhouses on the strip. Yeah. Though I'm I'm just at the corner space, but two townhouses down sold for $6.40. Yeah. And I Okay. purchased mine for $4.20 something, and that was, So you'd be... what, five years ago. Okay. So you'd be happy saying $6.40 is the value? But I'm happy to say, oh, I've got a bigger land than them. So... Because I've got a corner block, whereas they're in between. Okay. Alright. I also have here that you've got an investment property. Yeah. I do. Do you... In You South do? Park. Mhmm. It's... I have it here valued at $7.50 with a debt of $5.70 attached. Is that still correct? So, basically, it is... It's probably gone up. I'm guessing it's probably closer to the 800 mark. Okay. That... Now I've... When I got my mortgage broker to redo redo everything, they rebalanced it for me, and Mhmm. I put it at just an interest only Yep. repayments. The... Now the outstanding on it was 700 something. Yeah. I I try to take basically as much as I can just Yeah. to just not offset, you know, myself, my my Yep. income. Yep. But... Yeah. So so it's... They did it in a way that allowed me to basically borrow against that using that Yep. and maximize my my my liability for Mhmm. more negative gearing. So... Okay. So do you know if it was the mid 7 hundreds? Do you recall? Yeah. Well, that... That's why I'm just... As Oh, as I'm yeah. talking to you now, I'm actually trying to look into my things so I can tell Oh, you thank instead. you.","start_word":1772,"end_word":2106,"sentiment":"neutral","sentiment_score":-0.01879241122905888},{"text":"Yeah. That's wonderful.","start_word":2107,"end_word":2109,"sentiment":"positive","sentiment_score":0.6126480102539062},{"text":"Yeah. So so my existing home loan is a 174,000. Yeah. This is probably for my my my primary... My my residential one, Yes. and that's offset by a 162,000 in my offset. And my investment loan... Sorry. It wasn't... Sorry. It was $8.32. So they've maxed... They... They've they've moved things around. Yep. So it's actually based on 832, and I believe then the the loan itself is against both this house, both my primary residence and that house and investment property as well. Okay. So the investment property is 800,000 valued. The total Yep. loan is $872.02. eight thirty two as... And that's less the amount for the... Do I less the principal residence amount from that $8.32 Yep. or is that the 8 He he he can left it from the... Well, the the bank has used this house as part of the as part of the the the equity? counter, yeah, the Yep. equity for for for for that here. So I guess you can less it from there. Okay. So your total debt is $8.32 plus a Mhmm. 174. Yes. Correct. So that will be cool Lovely. just about a minute or so. Yep. Yeah. Lovely. Okay. So the interest rate on your investment property, Mhmm. you're doing interest only. How long is that interest only term for, and what's the rate? I'm just checking to see it right now. I did this all pretty much December last year. Interest rate is 6.3. Yeah. The... Okay. So the loan is for thirty years. Obviously, when the when the term expiry... When the no, it's just interest only, but they haven't... They're not telling me when my interest only finishes. It might not be available on an app. It might be more Yeah. so It's in something the I I the need web to go login. back into. Yeah. I need Yeah. to go back and and check it through. That's But I okay. think... I remember talking to him about three years at least. So... Okay. That's fine. Do you think... Do you know what the interest rate is for your Yeah. It's for the residential or the investment? home? Oh, The... residential, please. And we said residential is... Come on. K. Account details. 6.09 is my residential. Lovely. And has that got thirty years remaining on it? And that's still... Well, original term's thirty years due to expire December 2055. So Okay. twenty nine years. I did it back in December last year.","start_word":2110,"end_word":2528,"sentiment":"neutral","sentiment_score":-0.015828146036883244},{"text":"Thank you.","start_word":2529,"end_word":2530,"sentiment":"positive","sentiment_score":0.4147747755050659},{"text":"And your Offset account, is that connected to Offset your My residence as your such, residence? and that's 1 Yep. Hundred And 62 inside Yeah. there. Lovely. The investment prop... Sorry. I know I'm asking a lot of questions. The No. investment No. No. Go property, ahead. Yeah. how much rent do you receive from that? 545, I think, weeks. $2.08? Yep. Yeah. Okay. Yeah. Alright. And then finally, I have some shares that were listed here at 20 No. thousand. Yeah. Do Yeah. you still have those? I still have those. I haven't done anything with them. So... Are they a combination of different shares? Yeah. Are they a Combinations, particular? some banks, some... What do you call it? Yeah. It's just a combination of different things. So some media, Okay. some unregulated. Yeah. Did you wanna do anything with them, or are they just a long term investment that you Well, hold? I just I just bought them a Yep. few years back. I'd like to Mhmm. do more. Like like like... So so one of the plans that I do wanna do is actually just, you know, better better plan investments moving Mhmm. through. I'll be very honest with you, like, with your colleagues that I've spoken to, like, last year as well. I'm... I I I I help a lot of people, but I need help to help myself. And That's so okay. and Yeah. so I've gotta speak to, like, people who do this, you know, for a living to see how Yes. you can actually help me, you know, to to to to better structure and better things. So that's why they we... That's why they gave me advice of to restructure my loans and and all that before.","start_word":2531,"end_word":2825,"sentiment":"neutral","sentiment_score":0.03581817002367165},{"text":"Lovely.","start_word":2826,"end_word":2826,"sentiment":"positive","sentiment_score":0.48423412442207336},{"text":"And then I said, look. We'll let you get investments. But, yeah, by... Because I moved into a new role, I didn't actually get a chance to to really, you know, sit down and then then think it through until, That's you know, okay. you... The reminder came up. Absolutely fine. We can touch base on that again today and and sort of revisit those conversations. With your... I'm just gonna move briefly into health and lifestyle. Yeah. Yep. Are you a... We have you here as a nonsmoker. Is that correct? I don't sleep. I don't smoke. I don't drink. Lovely. And do you have private health insurance? Yes. I do. Who's that with? With a h m. A h m? Yep. Alright. And do you... Have you arranged your will or power of attorney yet? So that's also one of the things that I do need to get done. So... Yes. Yes. Yes. I... I'll definitely chat with you about that. So Okay. if I go back up to the top of my page here, what I'm gonna do is talk through what we had here as your goals and objectives when you last spoke with your review. So what I'm gonna do is we're gonna revisit those, Okay. remove anything that's not applicable or that you've achieved, and then add in add in anything new.","start_word":2827,"end_word":3054,"sentiment":"neutral","sentiment_score":0.04133870604595071},{"text":"So your main goal at that time was to build and develop your property portfolio to the point where you have one property in each state and then look at maybe buying properties overseas.","start_word":3055,"end_word":3088,"sentiment":"positive","sentiment_score":0.5358403325080872},{"text":"Is that still something you That's still are something wanting? I wanted to do, though I don't... I I think I said I was looking interstate. I wasn't gonna be one in each stage, but I was Oh, looking okay. interstate as such there.","start_word":3089,"end_word":3132,"sentiment":"neutral","sentiment_score":0.1085067093372345},{"text":"And I Yep.","start_word":3133,"end_word":3135,"sentiment":"positive","sentiment_score":0.33792775869369507},{"text":"do also want to to look at, you know, buying properties overseas as well. Oh, yeah. Where... In which which countries are you thinking? So I was thinking, you know, starting with Asia, somewhere in Asia to begin with. Yep. Probably probably not Singapore. I'm originally from Singapore, but probably not Singapore, but maybe Yep. somewhere up in Malaysia or Thailand. Yeah. And then, you know, and then from there, building up from there, because I'll I'll like to also do one. I like to also... I was living in The States for time as well. I'd like to go back to The States at some point and look Okay. down there as well. But but let's just start with Asia to begin with. Southeast Asia to begin with. And what kind of time frame are you think... Are you wanting to achieve that in? Well, did... So that really, really... Not really thought further hit through on that, probably in the next five years or so. Okay. To me, it was just part of just trying to build up how I would like to see myself retiring. As... Yeah. Or not retiring, but but but pulling back as I get older and just having, Yep. you know, somewhere to go and stay, you know, where where where where... And and travel. I I do a lot of traveling, though I do admit Yep. this has been a bit quieter because of the new role. But I do do do do a lot of traveling as well. So Okay. Okay. So the properties overseas Mhmm. down the track, Malaysia, Thailand, US, would you rent those out when you weren't there? Yeah.","start_word":3136,"end_word":3416,"sentiment":"neutral","sentiment_score":0.11630192399024963},{"text":"Pretty much.","start_word":3417,"end_word":3418,"sentiment":"positive","sentiment_score":0.4722226858139038},{"text":"I'll rent it out and then, you know, for... Because because I remember, like, when I was in Malaysia, just January, like, just beginning of this year as such, you know, there were places where I could buy, like, you know, a a really nice apartment in in the city. And there Yep. were companies that Yep. actually, you know, would rent it out to to Expat, I guess. They'll manage it for you, and then, you know, I just say that, okay. I'm just gonna be here for, like, two months of the year. And then by... Mhmm. For the rest of the year, they'll actually manage it, and I just pay a a fee to them and Mhmm. then collect whatever rent that comes out from there.","start_word":3419,"end_word":3547,"sentiment":"neutral","sentiment_score":0.2620566487312317},{"text":"So Okay. Lovely. I think the next goal is what you're talking about before with building your wealth and diversifying your portfolio and look at different Yes.","start_word":3548,"end_word":3574,"sentiment":"positive","sentiment_score":0.39026811718940735},{"text":"investment options, so outside of super, so investment accounts or bonds. Is that something that you're still wanting to do? I do, and I do want to learn more about it because I remember learning Yep. all this in the finance classes. But, yes, that wasn't... Let's just say finance wasn't much on the street thinking then. That's alright. We all have our strengths. Okay. So if you were... What it... What would be the end what would be the purpose of this? Is it to facilitate an earlier retirement? Is it to supplement superannuation retirement income to allow you more income? What would be the the So overage? the overarching is basically, first of all, to diversify and create another income stream. It's not something that I intend to or I see myself having to live off solely, you know, Yep. at this point. But I would Yep.","start_word":3575,"end_word":3723,"sentiment":"neutral","sentiment_score":0.101907916367054},{"text":"like to, like, whatever that I make in there to continually keep that reinvesting to Yep.","start_word":3724,"end_word":3739,"sentiment":"positive","sentiment_score":0.4001287519931793},{"text":"continue it to grow, you know, so so so so something in that sense there. Long term, so let's take... Looking at, say, twenty years as such, you know, yes, definitely, Yep.","start_word":3740,"end_word":3771,"sentiment":"neutral","sentiment_score":0.2849374455399811},{"text":"I would like to have that supplement, you know, my retirement income for whatever I I get from superb as such.","start_word":3772,"end_word":3792,"sentiment":"positive","sentiment_score":0.7247281074523926},{"text":"So Okay. So if we're looking at that, there's Mhmm. a couple of different options that are running through my head. I'm gonna ask a couple of questions to Yep.","start_word":3793,"end_word":3822,"sentiment":"neutral","sentiment_score":0.19169172644615173},{"text":"Yep. kinda point me in the right direction of what I'm thinking.","start_word":3823,"end_word":3834,"sentiment":"positive","sentiment_score":0.4192637801170349},{"text":"Mhmm. What initial type of investment would you like? So when we set up an investment account, what would be your initial amount that you would feel comfortable investing? So, look, anywhere from, I don't know, 20 to 50,000, really depending Yep. on what what's Yeah. You know? That's that's what I had in my head. I think when I first talked about this last year, I was Yep. looking for about 20,000 as such just to to start putting aside. Just to help me also learn and understand this because I get that Mhmm. I do want... And and and and just get on top of that. And then from there, continue continue to grow because ultimately... And if it's, say, like, a five, ten year goal, you know, I'd like to have, you know, a 100, you know, a 150,000 inside here or develop it to to to to a fund of that size and such there. Mhmm. Yeah. Does that make sense? Yep.","start_word":3835,"end_word":4000,"sentiment":"neutral","sentiment_score":0.11071600764989852},{"text":"It does. It does.","start_word":4001,"end_word":4004,"sentiment":"positive","sentiment_score":0.35168763995170593},{"text":"So based on that and your cash flow, we'll we'll get you to complete that cash flow budget tool. But what are you thinking you'd be comfortable with making a regular contribution and amount? Would it be... How much per month do you think you would want to contribute to that for me I to be able I... to look at? You know, as I said, this is where, like I said, I... I'm really not sure with such. But my my... Look. I I I should be more on top of my cash flow and expenses. I know I'm not behind on it, Yep. but I'm Yep.","start_word":4005,"end_word":4112,"sentiment":"neutral","sentiment_score":0.11765374367435771},{"text":"also not that I'm not doing enough.","start_word":4113,"end_word":4119,"sentiment":"negative","sentiment_score":-0.3956877887248993},{"text":"So I probably spend more than I should on That's on it. Yep. things and then the payments. Yep. But Mhmm. this is where I was hoping to see the understanding of what it is. If I would say put in an extra, I don't know, you know, $205,100 bucks a week into this. How would that look like? Yes. And then that way I can then do the... A part of this is also helping me to just become a bit more, you know, diligent Yes. in what I do Yes. because, yeah, as I said, it's... I'm a person that needs a plan. And at the moment now, I see... I feel a bit like I I don't have a plan for this. I'm kind of this kind of cruising. I I know I do make... You know, I am very comfortable, and that's the part that scares me because the moment I'm comfortable, I get complacent.","start_word":4120,"end_word":4278,"sentiment":"neutral","sentiment_score":-0.016523942351341248},{"text":"Absolutely. I can definitely help you facilitate a plan and work with you to hold you accountable to achieving the goals that you wanna achieve. So that's definitely my job. So that's something that I can definitely help you work towards. I I like the time of them. Thank you.","start_word":4279,"end_word":4328,"sentiment":"positive","sentiment_score":0.6814098954200745},{"text":"Okay. Alright. So what we might do is we'll wait till you complete that cash flow budget tool for me, and then I can have a look at that. Mhmm. Mhmm. The next goal was that you're gonna continue to... You would like to do a couple of trips overseas in the next twelve months to Nepal, China, Vietnam, and other places in Asia in April. Are you wishing to continue to travel? I know that you said you do a lot of travel. I... I've really done all that and more. Yeah. I'll be in China end of this month. Yep. This is all for for fun, and there's nothing work or business related in this. Yep. Yes. Next year, April next year, I'll be in Europe, Yep. Scandinavia, and then the Baltics. Yeah. And and then I've got another trip to China, two more trips to Vietnam. And at some point, I'll be also going back to Singapore to see family, and friends as well. So, Yes. so, yes, I've got a few things put through. And I'm just trying to think what else is going through. That's what I do know now, but I'll probably put something in between now and for the end of the year. I'll be planning some stuff for next year. So Of course. No worries at all. You said that you wanted to do an in-depth review of your insurances as you feel like you don't have appropriate covers in place if something was to happen to you. Now I note that you do have insurance in your Oh, yeah. superannuation In in my fund. yes. Yeah. In my in my... Yeah. The Superfund, but I think that was just some of the basic stuff that was initially set up. Yeah. Yeah. So that was due to the recent eye surge... Well, the recent back then, this eye surgery you had and you were still recovering, Yes. Oh, and yes. you That's were fine. looking at changing jobs. So that is something that we can look at now if you would like to. Yes.","start_word":4329,"end_word":4680,"sentiment":"neutral","sentiment_score":0.03829144998136061},{"text":"I'm happy to let you work in too.","start_word":4681,"end_word":4688,"sentiment":"positive","sentiment_score":0.5938474535942078},{"text":"So, yes, I had my laser surgery for my eyes, and I have changed jobs. I was I was in the process of looking at new roles back then, and then that's Yep. in this new role now.","start_word":4689,"end_word":4726,"sentiment":"neutral","sentiment_score":0.15657541155815125},{"text":"So Lovely.","start_word":4727,"end_word":4728,"sentiment":"positive","sentiment_score":0.4107593894004822},{"text":"Alright. Well, that's something that may... We can start looking at for you as well. Your broker, you've done that. Retirement, you looked at... We had here that you'd like to retire at age 70 as light as possible as you like to work and keep busy with an ideal income of $1,500 per week. Is that still current? Yeah. Yeah. We'll keep it at that as such too there. I still see myself.","start_word":4729,"end_word":4802,"sentiment":"neutral","sentiment_score":0.022019406780600548},{"text":"I'm a person that can't sit down. That's a problem.","start_word":4803,"end_word":4812,"sentiment":"negative","sentiment_score":-0.3675575256347656},{"text":"So I can see myself having to do... Well, wanting to do stuff. I I I understand. I understand. Alright. Okay. So what I'm going to do... Do you have access to your emails at the moment? I do. Okay. I'm gonna shoot you through an email. What it will have attached to it is your review pack. Mhmm. So it is... I'm just bringing it up now to send through. So it will come through from OdooSign. And what you do is when you open the email, there'll be an option where you say it says click here to sign or sign here. If you open that document up, click on that note. It's gonna open some documents.","start_word":4813,"end_word":4931,"sentiment":"neutral","sentiment_score":0.07327381252240733},{"text":"You're not signing anything at the moment.","start_word":4932,"end_word":4938,"sentiment":"negative","sentiment_score":-0.4389048516750336},{"text":"We're just gonna talk through the review first of all. Mhmm. On this... Ah, here we go. Miss Wheeler, that's you. That's And... me. Okay. Find document. Here Yeah. we So let me know when you go. got those open. Okay. It's opened up. I'll set up your first page, which is just about my... Oh, Summary this is my of insurance. super. It's... Yep. Yep. Yep. Yep. So this is just a couple page for you. It's just a summary of where this... Where your super and insurance is held. Mhmm. Yeah. With HUB 24, a balance is sitting at about 252,422, Mhmm. And you've got group insurance, of life and TPD insurance of a $178,808 and income protection of $3,342 per month with a ninety day waiting period and a two year benefit period. The... Looking at insurance, if something was to happen to you Mhmm. from... We'll use yesterday as an example from a... And you passed away, how... What is it that you're wanting to achieve in respect to having a life insurance policy? Who are your beneficiaries? Do you want debt to be repaid? What is what is it that you're wanting to achieve? So so how I'm seeing it to... It says that I don't have any dependencies directly. When we talk about me wanting to draft up a will, it was more so that, you know, my sister, the one on file, Nadia, Mhmm. She's got four kids as such who is... Who are already nominated inside with Hub 24. Mhmm. Okay. Yep. So the four of them plus also I have a goddaughter. So my best friend's daughter as such there will probably be the five beneficiaries that, Mhmm. you know, I would nominate for my... If something were to happen to me. In terms Yep. of that, look, I would probably say, like, you know, sell off the investment property to sell off that loan. And then... Well, basically, just sell off all my assets itself to then help, and then whatever is left over for Google Mhmm. Yep. to distribute out as such to do that. In terms Mhmm. of it, like, my my my initial plans when I was, you know, taking this through and had the initial talk as such was to fully pay off my property, which I'm very close to doing at the moment now, my residential property, and then Yeah. looking for a way to better structure my my investment property itself. I would like to get that amount, I guess, lower so that, you know, it's no longer using my residential property as equity against it. Mhmm. Mhmm. And then, you know, and then look at how I can then just build up, you know, further investments through. So does that help answer your question? Yeah. Yeah. It does. So, essentially, in the event of some... Of you passing away, you would simply expect that the estate... The assets be sold and debts repaid and then debt to be divided amongst your beneficiaries. Mhmm. Is that Yeah. correct? I'm on the part sense issue. Correct. Yeah. Yep.","start_word":4939,"end_word":5461,"sentiment":"neutral","sentiment_score":0.005414621904047195},{"text":"Lovely.","start_word":5462,"end_word":5462,"sentiment":"positive","sentiment_score":0.47647011280059814},{"text":"Okay. So that's easy for me to go and review. The income protection Mhmm. income protection income protection is where you are unable to work due to injury or illness, and there is what we call a waiting period and a benefit period. So the waiting period is the number of days you need to wait before you are eligible to claim, and the benefit period is how long you are entitled to make a... Receive a claim payment based on the severity of your injury or illness. So typically with income protection, we see up to 70% of your gross taxable income being insured and the waiting period and benefit period varying depend on the depending on the individual client. So for yourself with a waiting period looking at your assets and liability... Your assets and access to cash, it looks like you could probably go a little bit longer of a waiting period than thirty days. You could probably go... Depending on your comfort level, anywhere between the sixty to ninety day wait. It Yep. is Yep. entirely up to you. Well, I was looking probably more than one of the night's day rate and so I'd see there. So I'm Yep. I'm I'm Okay. comfortable with this, like, expenditure, and I know I can probably cut down my expenditure more. Because Mhmm. we just said, look. It's going through the the the the the document. So going through the the costing expenses, you know, template that you that you'll send through, will probably be, you know, a a good... I'll say, we have to check for me to see what I can be doing better. Okay. Alright. Leave that with me. I'll have a I'll have a look at that because we Yep. definitely wanna make sure that your expenses are covered. So that that cash flow tool will also help us in formulating a recommendation. The remaining policy... Type of policy there is is trauma insurance. What that is is it's paid from your super... And it's not paid from your superannuation fund. It is paid from your individual cash flow, and it's a tax free payment that is payable when you... Or sorry. If you are diagnosed with a claimable event, which there... There's several different types, but they are specified and they range from cancer through to different types of cancer, from heart attack, stroke, and so on. Is that something that you'd be interested in receiving advice on? Mhmm. Yeah. So I'll I'll let you get... Learn more about it first before I commit to anything. So Yep. I can do that. I can send you through some information on that. Alright. The next document that we are going to look at if you press next Mhmm. is your performance within your hub twenty four account. So the portfolio Mhmm. itself is invested in an ethical portfolio due Yep. to your goal of wanting to be investing environmentally and socially ethical options. Right.","start_word":5463,"end_word":5962,"sentiment":"neutral","sentiment_score":0.03162681460380554},{"text":"The portfolio itself in the last twelve months has not performed overly great. It actually has returned a negative bigger... A negative return of one... Negative 1.17% after phase.","start_word":5963,"end_word":5991,"sentiment":"negative","sentiment_score":-0.4236641824245453},{"text":"Ask... What I went back and did is had a look at it from from inception, and it looks like from inception, the annualized return is about 4.26% per annum. So being a high growth investor, which is what your risk profile is and how your fund is currently invested, it is it is lower than what we would typically predict for a high growth investment portfolio. But also, on the flip side, we do know that the ethical portfolios themselves do historically perform Mhmm. It's Oklahoma a little bit s. lower. Yeah. Yeah. Exactly. So... But but what what has been the... So as a as a comparison, what has been, Mhmm.","start_word":5992,"end_word":6104,"sentiment":"neutral","sentiment_score":-0.09515826404094696},{"text":"like, nonethical or... I should say, this sounds really bad.","start_word":6105,"end_word":6114,"sentiment":"negative","sentiment_score":-0.3346676826477051},{"text":"But, you know, Look. a fund that wasn't dedicated to this ethical and moral, you know, companies. How is that, you know, Yes. how is that set? Well, there's many, many different portfolios that we do operate within the group, and it's more so based on the risk profile. So for example, a high growth investor, we would typically expect to see an average rolling return of between eight to 10% per annum. An ethical portfolio would would... Regardless of how it was invested across different risk profiles and allocation to growth assets would be significantly historically, performance wise, less than what we would typically see in a portfolio that has more diversification. I mean, I So... I I I I understand what I'm saying. Look. And I understood that when I signed up for it, though it is Yep.","start_word":6115,"end_word":6254,"sentiment":"neutral","sentiment_score":-0.09747913442552088},{"text":"much lower than I was anticipating.","start_word":6255,"end_word":6260,"sentiment":"negative","sentiment_score":-0.3560418486595154},{"text":"So I was looking probably more and more close to the 7% mark for a high growth if that's true there. But as I said, coming in with... When you mentioned 4% or four... It's over 4%. Yeah. Mhmm. So that's It's since it's... that's Yeah. since inception. So it is gonna sit. So for example, one that I looked at the other day for a client in a review, they were invested for a little bit longer. So their annualized return was over a longer period of time, but it's at about 9% per annum averaged out. So you are foregoing potential growth opportunities, but, I mean, that is... What I would say is if that's the approach that you'd like to take with your superannuation, is that the same approach you'd like to take with your investment portfolio, or would you be wanting to diversify your your future investment portfolio to be the opposite of what you have in superannuation? Well, it said... And this is where I'd like to really just understand, like, what are the the options. Mhmm. It's not that I'm solely looking for escrow and more, you know, companies, Mhmm. but I am... You know, there are some things that, like, that that I can feel very strongly about, like certain companies I can feel very strongly about What because are... And what are those? Give me some examples so I can have a look at those. of... I mean, so the things that that that do not take into account, like, you know, the the long term environmental sustainability here. And I know it's... Like, companies are getting better on that. Also, companies that support things that that actually are causing... How can I put it nicely?","start_word":6261,"end_word":6554,"sentiment":"neutral","sentiment_score":-0.04230254143476486},{"text":"Are causing more turmoil and strife.","start_word":6555,"end_word":6560,"sentiment":"negative","sentiment_score":-0.6821278929710388},{"text":"So things like, you know, companies in in defense, companies Yeah. who do... Who create, you know, or support, you know, a lot of the... Let's just... Let's be direct... The walls that's happening in the moment Yep. there. You know? Yeah. Yeah. It's things like that. You know? And I know a lot of people don't realize some of these things that went through, but this is something that, you know, to me, Yeah.","start_word":6561,"end_word":6635,"sentiment":"neutral","sentiment_score":-0.15647708574930827},{"text":"I'm... I I don't feel comfortable knowing that I'm making money from, you know, a company that's making bullets that's killing children.","start_word":6636,"end_word":6657,"sentiment":"negative","sentiment_score":-0.5782197713851929},{"text":"Absolutely. So I completely understand that. Leave that with me, and I can look into that a little bit Mhmm. more. Because it might be that we can still have some alternative options that don't particularly Mhmm. have exposure to those types of activities. Alright. And and So look... And this is where I said I do wanna just... If I know my options, like I said, I'm not solely, like like like like, I'm I'm not like a like a full green, you know, leftist. I don't wanna get to. But, you know, I'm probably more more central, but more ethical to to make sure that, you know, the things that we are doing are... The the money that I am putting aside for this is not going to think that's causing more heat in the world, if that makes sense. Yep. It does. It does make sense. Absolutely. Alright. I can certainly look at that and take... Make sure that's taken into consideration too when we're reviewing everything. So what I might do is have a... Is review your superannuation portfolio while I'm looking at... Once I receive your cash flow while I'm looking at a potential investment portfolio. So it will it will depend... The timeline on me consolidating a lot of information will depend on how quickly you can get that cash flow form back to me.","start_word":6658,"end_word":6888,"sentiment":"neutral","sentiment_score":-0.05639771744608879},{"text":"It's very simple and straightforward.","start_word":6889,"end_word":6893,"sentiment":"positive","sentiment_score":0.44170209765434265},{"text":"It won't take you very long at all. The next document in the pack is our Vanguard index chart. So that is a educational piece that I like to just talk through in relation to clients' risk profile. So yours, as I mentioned earlier, is a high growth. Those top four down the right hand side, US shares, Australian shares, international, and property, they are our growth shares. So as a high growth investor, we'd expect to see approximately 90% of your funds within the portfolio invested in that... Those... Across those sectors with the remaining 10% in the bottom... The following two being bonds and cash. Yeah. Is that something that you're still comfortable with? So that's something I'm comfortable with. Like, even just looking at this, you know... Yeah. If we just went straight into bonds as such, I would probably be high... It's still higher than what I've got now. So, yeah, but look, I said So... I I... I'm comfortable with that one in terms of the. Yeah.","start_word":6894,"end_word":7065,"sentiment":"neutral","sentiment_score":0.12223505895844726},{"text":"Okay. Lovely.","start_word":7066,"end_word":7067,"sentiment":"positive","sentiment_score":0.4838123917579651},{"text":"The next document across is the financial services guide. So that is our document that explains who we are, that we're authorized through ASIC or licensed through ASIC, the types of advice we provide and how we provide it, our fee structure, and if you are unhappy with any of the services, the complaints process.","start_word":7068,"end_word":7122,"sentiment":"neutral","sentiment_score":0.09993191063404085},{"text":"All good.","start_word":7123,"end_word":7124,"sentiment":"positive","sentiment_score":0.4377480447292328},{"text":"All good. I'm... I've... You Yeah. you That's you okay. send you send an annual version of this. Yes. We do. The next document is your ongoing service agreement. So this is the consent to continue charging a fee from your superannuation fund So for Alright. our ongoing advice. So that fee is 1.65% of your balance calculated monthly, and it's estimated to be approximately $4,222 per annum. So that's deducted monthly from your hub twenty four account. Uh-huh. That that fee covers your reviews, so it will cover any changes I'm gonna look into your superannuation fund. It's... It will cover the regular... The annual reviews that you have, and also you're not limited. So if you do want to ring up and, say, for example, start a sari sacrifice arrangement, then, you know, that's included as part of your ongoing fee. If we do look at investments as part of a recommendation, there will be an advice fee and an ongoing fee for that one. But I can give you more information on that when I've had a look at your cash flow Mhmm. to know where we sit with that and how that will work. And then the next document in this pack is the option to provide your tax file number. So we do hold your tax file number on file, and we had that when we set up your superannuation fund. So this this form here is one that does require signing along with the OSA if you're con... If you're happy to continue being a client. And the TFN form just says that we... You're giving us authority to hold your tax phone number on file. Any Okay. questions so far? No questions so far. But, look, I'll I'll I'll review through the document as such there just to see what's changed and Yep. that, you know, I'm comfortable with the things. And then, you Of know, course. I'll probably sign it off and then send it back through to this... Yourselves.","start_word":7125,"end_word":7462,"sentiment":"neutral","sentiment_score":0.09534200622573406},{"text":"Absolutely fine.","start_word":7463,"end_word":7464,"sentiment":"positive","sentiment_score":0.5655915141105652},{"text":"So my next steps here is I'm going to send you, most likely by close of business tomorrow, a summary of our chat via email, some information pieces, the budget sheet for you to complete. Once I've received Mhmm. that budget spreadsheet back, I can then look at reviewing the superannuation portfolio, particularly the underlying investments, and seeing if we could look at any changes surrounding investment options, taking into consideration the the topics we discussed earlier, look at salary sacrifice, and also look at investment options. So I I feel like once I do get that cash flow back, there's a fair bit in there for me to look at, No. and it will probably take about three to four weeks to get an advice document together once the the cash flow document has been received. So I will reach out and keep Mhmm. you updated, but those are the next steps if you're happy with that.","start_word":7465,"end_word":7622,"sentiment":"neutral","sentiment_score":0.14965960515450827},{"text":"Look. I'm I'm happy with that too.","start_word":7623,"end_word":7629,"sentiment":"positive","sentiment_score":0.7550596594810486},{"text":"So in in terms of it, I'm just recapping on a form on my side what I need to do. So I'll complete the the cash flow documents that you'll send through. Mhmm. You'll send me then the... Basically a summary of what we've discussed here. And then in about three to four weeks' time, we'll probably have another catch up to then talk about, you know, what does it look like from an investment and if anything else that needs to change. 100%. After... Yep. Yeah. Yeah. After after you've reviewed through my my cash flow. Yeah. Part of this... As you mentioned before, you mentioned about will and power of attorney and those kind of things. Is that part of Mhmm. the time, or is it something that we do at the second the second time? That's something you need to do with your... With a lawyer. What I'm going to do is in my email I'm sending to you, I'm Mhmm. going to send you a brochure for a professional partner that we use. They can do it remotely or virtually like we conduct our reviews. Their fees are quite reasonable, Okay.","start_word":7630,"end_word":7824,"sentiment":"neutral","sentiment_score":0.04737292602658272},{"text":"very reasonable, actually.","start_word":7825,"end_word":7827,"sentiment":"positive","sentiment_score":0.47650763392448425},{"text":"And if you want to proceed, you just reach out to them. But so I'm gonna send you an email with some information for you to be able to to act upon. So I'll I'll step that out for you in the email.","start_word":7828,"end_word":7870,"sentiment":"neutral","sentiment_score":0.24872352182865143},{"text":"Fantastic.","start_word":7871,"end_word":7871,"sentiment":"positive","sentiment_score":0.6625158786773682},{"text":"And then, let's see. My only other question was... Okay. So you mentioned below with the investments and if we want to go... That that does incur additional fee and additional ongoing charge as well. It does. So in the email, I'll I will map that out. Yeah. I'll give you an indication. So I won't be able... I can give you an indication of what it will be. And once I've received the cash flow and we... I kind of figure out what my recommendation's gonna be when we meet in three to four weeks' time, I'll actually be able to give you a document that says exactly what the fees are going to be, and you can then make an informed decision.","start_word":7872,"end_word":7995,"sentiment":"neutral","sentiment_score":0.05959293361933481},{"text":"But I can definitely give you a guide when I send through the information. Fantastic. Okay. Fantastic. Alright. Lovely. Well, thank you for your time today. It was lovely speaking with you. Thank you very much, Shannon. It was a pleasure speaking with you and and helping keeping me accountable for all disciplines at least, you know, in terms of trying to... I'm trying to be talking for myself as opposed to helping everybody else. So Yeah. Yeah. Good. Good. I'm glad. So I'm more than happy to be your partner in that and help you work towards that. fantastic. Thank you. So I'll look Lovely. out for your emails on this one.","start_word":7996,"end_word":8108,"sentiment":"positive","sentiment_score":0.6511853933334351},{"text":"So, yeah, I'll send it back, and then we'll be Yep. in touch and talk soon.. Yeah.","start_word":8109,"end_word":8125,"sentiment":"neutral","sentiment_score":0.17638880014419556},{"text":"Definitely. Definitely. Thank you, and I'll speak with you soon. Thank you. Have a good one.","start_word":8126,"end_word":8141,"sentiment":"positive","sentiment_score":0.5647193193435669},{"text":"Okay. You too. Bye. Bye.","start_word":8142,"end_word":8146,"sentiment":"neutral","sentiment_score":0.2297980636358261}],"average":{"sentiment":"neutral","sentiment_score":0.055024575408726635}}}}