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I'm very well. Thank you. How's your day been this far? Oh oh, that's okay. That's absolutely fine. Not a prob Oh, really? Oh, wow. How did they go? Did they oh, that's that's fun. That's awesome. I love that. My son had his a few weeks ago and, yeah, he's in year four now, so he's gotta try a little bit harder and do all the bits and pieces. And, yeah, he loves it. It's a bit of fun for them as well. So yeah. All good. Look. I did have you booked in for your annual review today. I have sent through some compliance documents to you as part of the review to your email. I think, first off, I know Wendy spoke with Samantha. We've obviously, you know, had some issues over the past twelve months, and I wanted to sort of address your concerns with you guys and just sort of have a chat to you about sort of, obviously, what your goals are, your concerns there. I know you're not a 100% happy with our services, and I 100% understand that. But I just wanted to sort of take some time to have a chat to you about your concerns, what you're after, what you're looking for, and sort of see what we can do moving forward to help you out and to make sure that you, you know, you are looked after correctly if that's okay. Yeah. Yeah. Yeah. Oh, absolutely. Yeah. Yeah. Yes. Yes. Yep. Yes. Yep. Yep. Yep. Yep. Yes. So far, there you go. Yeah. Right. Right. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. That's okay. Yeah. It's yeah. Yeah. Mhmm. Yep. Yep. Yep. Yeah. Yeah. No. Absolutely. Yeah. No. That's that's that's perfectly fine. And I'm really, really glad that you brought those things up with me because in all honesty, I get it and I understand. And, look, in the last twelve months, I absolutely agree, Ophi, you have let the ball down. There's been a lot of things that happened last year that are outside of, obviously, my control, but there has been a lot of decisions made by senior management that, hey, I didn't agree with that I know have affected clients. And this last six months between January to now is essentially where I've been trying to clean things up a little bit and try to get my book under control. I end up we used to when Tarik was on board, I actually worked with Tarik. He and I went through our p y together back in the day. He was great. Love him, but he is very much more salesy than myself. So with with Tarek and I, we essentially used to share the whole book of clients. So all the clients on under OPU are essentially under the OPU license, and we used to just call every single one of them and go through the annual reviews and do what we needed. So there was no sort of specific adviser in that scenario. When Tarek moved on elsewhere and I need to step up and take on a few more extra clients to help out, we've since then got a few additional advisers on, which is great. The book is looked after. But after last year and what happened, I actually asked for a set book of clients. So I have a set book of clients that get to talk to me on a regular basis. I've been going to try and do reviews, looking at doing foundation advice documents, updating insurances, updating portfolios to everybody, and then making sure we do the regular catch ups because that was something that was promised back in the day, which over the last couple of years hasn't really sort of happened. The catch ups have kind of been few and far between. So I've been trying to make sure we do those regular catch ups there. So that's one of the things that I've sort of implemented this year to try and help alleviate a lot of the problems in the past. The second sort of part is with the super fund. I know back in the day, everyone sort of talked about active management, and there's a couple of different ways in which a super fund is actively managed. One of those is buying and selling on a regular basis. With the way your trades work, when your super fund when your money goes into the super fund, it goes into the cash account. Every once generally, around about the twentieth of every month, Hub twenty four do a regular they fund a transaction report, and that tells them how much cash you have. That basically tells them how much they need to invest in those funds that we've put you in, basically. So your portfolio, when you came on board originally, we would have recommended, I think, about eight different investment options there. With what happens with your super fund is whenever money goes into the account, it's just in the cash account. Once a month, they run the trades and the report, and those trade reports that you've been seeing are essentially just automated reports from Hub twenty four. So we're not physically going in and making those trades. We've told them what we want you invested in and in what asset allocations that might be 10% of the S and P 500, you know, 10% bang along. It could be a no 10% in cybersecurity. They essentially activate those trades in the back end of Hub 24 as per our allocation. We don't buy and sell individually and alter those investors on a regular basis because then we run the risk of day trading with your super. I know there are advisers out there that do do that, but day traders run the risk of not not staying invested through the longer term, having trouble buying and selling at the top and the bottom of the market, which disadvantages you. So our job with your investment portfolio is to be monitoring it, looking at it every couple of months, giving you an update on what's happening with it, looking at whether the performance is over or underperforming for the year, and then updating your portfolio as we need to as well because certain investments, say, back in 2021 or 2024 might have been performing really, really well, but then now they might not be performing as well. Then we update the advice and make alterations to your portfolio moving forward. And so that's certainly tracking towards the goal and making smaller changes on a regular basis and monitoring that long term to get those changes to where you to where you wanna be, essentially, to make your super work as hard as possible and making changes as we need to in the in the shorter term. But I am really sort of conscious that we don't day trade with your super. We don't go in there and make changes and actively buy and sell and try to pick the top and the bottom of the market. And I think because, as you said, you were brought on by those salespeople back in the day, and those are the marketers. And they're actually mostly out of business now because they were, and I'm sure they promised you absolutely everything. And it's definitely I can safely say from last year, we have definitely not lived up to that expectation. But your super is performing really, really nicely. The ongoing service fee within that is 1.65% per annum. So then that is deducted in full monthly increments. And the idea about percentage based fee that way is that it fluctuates with the market. So, you know, whilst you might probably expect to just pay, you know, 2 or $3,000 for the year, it's deducted in smaller increments, and it goes up and down with the market. So one of the biggest things that I try to instill is that we can't control market, and we we don't ever try to sell out of the down market. We wanna stay invested in the down market. We want your contribution to go into that down market because those investments at the down point are essentially cheaper options. They're a discounted rate, and you where contributions go in, they buy into that discounted rate. And then as the market comes back out and recovers, you take advantage of that, and that helps with your overall growth and the compounding effect of your super. So that's essentially how the super works, and that's sort of how those trades happen. I'm not sure why they've been less this last twelve months than they had in the past, though. I will look into that because they do run those trades every month. Around about the twentieth of every month, Hub twenty four run their whole cash account. They, you know, reinvest and buy and sell in the background as per our direction. So that those trade reports should realistically be coming through every month for you. So I will have a look into that if that's okay. That's okay. Yep. Yep. Yeah. That doesn't make sense. Yeah. Yeah. Okay. No. No. Yeah. Yeah. Yeah. No. That's that's honestly fine. Yeah. Yeah. Yeah. Yep. Yeah. That's really bizarre. I will definitely have a look into that and yeah. No. That's okay. I'll definitely look into it for you. I'll make a note there that you do want those trade reports to come through so you can see what is happening and being bought and sold and, you know, managed in the back end. Yeah. Beautiful. Beautiful. Excellent. Lovely. So, yeah, look, that is essentially super. And as I've said, I'm not going to, you know, sugarcoat any way, shape, or form. We've let you down over the last twelve months, and I a 100% get that. I do wanna try and make sure we do better. At the same time, I know Samantha told me that you were a bit unsure of that and self a bit stuck. If at any point you decide that you are unhappy with our services, you do find an adviser you would prefer to work with someone else, that is absolutely okay. I don't want you to leave, but at the same time, I'm honest. And if you find someone else that you would prefer to work with, they can take over your super. Your insurance can be transferred as well or paid out of any super fund. That's the benefit of having the retail cover. We can have it paid out of any super fund. We just have to change the super fund that it is paid out of. If you do find you have a better relationship with other advisers or another firm and you just, you know, wanna go with them, that's understandable. I get that. You let me know. We will help you roll on out. We'll help you change the adviser. You can have change of servicing platforms attached to any super and any insurance policy as well. So that all can be changed. That's absolutely fine. I would personally love to see you stay on for another year and do everything I can to help you working forward towards your goals and doing better on behalf of AC Financial, but at the same time, it's it's gotta be your decision. You've gotta be comfortable with where your money is and where your your super is. This is your retirement. You'll probably note I'm very much less salesy than anyone else you've probably spoken to in OQ, and that's that's because I I do not believe in the salesy tactic side of things. As a financial adviser, I work on the best interest, Judy, and I have to work in your best interest. So the advice I do provide is about making sure we're working towards your goals. I'm so was so sorry that that advice took so long to do last year. It was not preferred in any way, shape, or form, and I was very disappointed in us for that task. And I was, you know, making sure that that was done in January for you so you didn't have to wait any longer, and then, you know, trying to clean things up from now. But it was by no means preferable, and I don't have any excuses for what happened. I don't want to, you know, sit here and justify any of that. It was bad business. It was bad on our behalf, and I just wanna apologize that it's not good at all. Yeah. Yeah. No. Yeah. No. Yeah. No. Yep. No. So you can have it without being a without having a financial adviser. We can remove ourselves off it. The only sort of main difference is in order to transact on the fund, we do we can do that. So when and if we provide advice and, like, I've had a look at everything. I think there's advice we could definitely provide now for you to update things if you want to go through that. But, essentially, within HubSpotty four, we go into the platform. We have a a transacting in platform on this end of things. It's a little bit different to how you see it on the other side. But we can buy and sell. We can do market trading, aggregating trading. We can, you know, change things in the back end, update the investments. We can do all of that, and it then it goes through the hub twenty four's administration team, and their investment team within the admin team, they go into the actual market and do all the buying and selling the back end. If you were to remove the adviser from the platform, you can keep it exactly as it is. The difference is in order to transact on that or buy and sell or alter your investments, you would have to call them and get them to place those trades for you. But you don't it's not an adviser only platform. It is a platform that you can retain if you decide that you're comfortable with doing that. And, yeah, as as I said, we can always you know, if another adviser comes in, they can add an authority onto it, and then there can be a a change of adviser form signed to all that as well. But it's not it's one of the few that is not an adviser only platform, and you can hold that or remove your adviser and still utilize the platform fine. It's just the transaction side that you would have to call the admin team at Hub twenty four and get them to do and place trades for you. They get verbal approval to organize all of that, but it can definitely be done. Yeah. Yeah. Yeah. Yeah. Absolutely. Absolutely. Definitely. So with the documents there, the main one is your ongoing service agreement for the next twelve months there. Don't sign it right now. Obviously, take some time to think about what you wanna do. Come if you have any additional questions, come back and ask me additional questions. That's absolutely fine. I don't wanna sort of press you into making any decisions that you're not comfortable with. Love you to take some time to think about what you wanna do moving forward. With the the attachment. Now on the very front page, at the bottom, if you scroll down, I left a little message there. And underneath that, you should see all the attachments. Can you see those? Fantastic. Excellent. The first one there is or should be the summary of the brand new agent and or insurances, and it's giving you an updated balance as of the July 23. Can you see that one there? Sorry. That's okay. You're right. I get it. Yep. Perfect. So just double checking with your balance last year, we were at a 140,902 and 28¢. Balance this year, we're up to a 183,790 and 14¢. So it has been good. We have definitely seen an increase on that. Part of it is your contributions and your salary sacrifice going in, but the other part that is with the that's the growth. Now with the performance of in. Yes. Yes. The the growth. Yes. Growth what? Yeah. You're right. So if you have a look at the hub twenty four performance with internal rate of return report, this is showing you the growth. So the second page, if you look at the third last column, you've got total earnings, and it shows there that the income and the growth in the last twelve months is $13,005.91 and 70 3¢. You can see that? Yep. Beautiful. All good. So that no. That's okay. You're fine. All good. That's essentially the earnings received by the portfolio. That's the income and the growth within the last twelve months there. It does give you a internal rate of return of 11 sorry. 6.11% to 6.11% there. That is net of any administration fees, investment fees, and our our ongoing service fee there as well. Now with your portfolio, having a look at the first page there, all of your investors are performing very, very nicely. However, if you look at the Benelon Australian Equities one, that one there I flagged as underperforming. And the reason I can sort of tell it's underperforming is that whilst we have seen the ups and downs in the market this year, as a whole, the Australian share market is actually not doing too bad. Equities are up at the moment, but this one investment is down and down quite a lot. It's showing it's down by over 23.26%. I went back to have a look at Bennelong and see what was happening within the fund. They've had some underlying issues with one of their investments, so it's kind of made that fund underperform pretty heavily. I actually wanna remove that from your portfolio. I don't want that there anymore. I do have to update the advice to make that change for you, but I would like to have that removed out of your portfolio. One of the big things with why Benelon was in there is the investment manager is an actively it's an actively managed fund. So inside the Benelon Australian Equities investment, they are trying to buy and sell. They are trying to pick the top and the bottom of the market. They are trying to buy undervalued stocks. They generally hold anywhere between 15 to 25 different investment options, but this year, they have not performed very well. They had, up until COVID, a very good rate of return. They were performing phenomenally. I think their rate of return was about 30% in about three to five years, which is fantastic for them. But most recently, they haven't been able to keep ahead as it has, and they're not outperforming against the market. As much as you could hold that investment and wait for it to come back and recover, I don't think they're gonna recover in a hurry. One of their underlying investments, Corporate Traveler, actually came out to the market and had been a bit dishonest, which meant that Bennelong had to reevaluate that investment. That investment is now on a trading halt, and it's being audited and investigated for what it for the what they essentially did. So it means that because of the trading call, Van Along can't remove corporate travelers from their investment profile, but we can get you out of Van Along. So I would like to move that nice and quickly and get that out of your portfolio. It does unfortunately mean that we would be cementing the drop or the loss that that investment has seen, but it also is probably better to get rid of it now rather than let it go down even further and, you know, have to cement a much greater loss. Essentially, when we sort of look at this, it's about deciding whether we hold an investment for longer and wait for it to come out the other side, or do we cut the losses now, remove it from the portfolio knowing we can put you into something that's probably performing better and make that money back a little bit quicker for you? Does that make sense? Yeah. Yeah. So my decision is I would love to get you out of that. I don't wanna force you into it. If you wanna sort of hold on a bit longer and sort of see how it is in a few months, you absolutely can. But I would love to update the advice now and get that out of your portfolio and just maybe look at updating your portfolio as well because, you know, investments that have had a great track record in past may not be as good now. Also, the Bandit property is a little bit down. That is due to your property having a bit of a fallback in the market with the changes that have just been legislated. Property is having a little bit of a fallback at the moment, and we are seeing a bit of decline in that. So it might also be worth getting removing the property investment from there and looking to diversify in other ways. China is still a good investment, has performed not bad, but China still has quite some high tensions out there at the moment with a lot of the allied countries. I would sort of rather be looking to get rid of China as well because it's meant to be more of a growth investment. It's what it's called a themed investment or a themed thematic ETF, and it's put into your portfolio to try and get greater growth. This hasn't been able to do that, and a 3% return for an investment that's supposed to be seeing a much higher rate of return isn't really preferable, and it sort of shows that China's having a bit of issues at the moment as well. So I would probably like to remove those three investments out of your portfolio and look to maybe move the money into something performing a little bit better for you and just update your portfolio as a whole. Does that sound okay, and do you have any questions? That's okay? Beautiful. The bank hybrids you have in here as well, they are a defensive investment. They are really great to have income producing. I do wanna look at moving them as well just because the government's phasing those out in a couple of years. So one of the big things with bank hybrids is they're more of a complex investment. So it's a bit like bonds. You're putting money into the banks. They're utilizing that money to lend out, and they're giving you income payments or coupon payments back. Bank hybrids are exactly the same as bonds in that sort of aspect, but they're also traded on the ASX. So they get a bit of growth as well as income producing. They are seen as defensive because they're expecting a lower rate of return, and they are seen as safer or lower risk than ETFs and other investments or growth investments. However, the government has made a decision in recent months that they're gonna phase these out by 2028. So, realistically, if I'm gonna be making some changes to your portfolio now, removing some of the investors, we are best to maybe remove that as well rather than hold on to the bank hybrid. And then in 2028, we have to move them quickly and find something else a bit faster for you. Okay? Beautiful. Do you have any questions? You're welcome to let me know if you do. Yes. Yeah. Yep. Yep. No. No. Definitely not. I've started moving most of most of the clients out of that one, so there has been some pretty significant sell off, and that will probably just continue. So I definitely would like to move you out of that and look at something a bit better. There are different ways to have yeah. Sure. You're right. Mhmm. Yeah. That's a really good question. I like it. So, essentially, what we're looking for is ways to diversify your portfolio. So, realistically, having, you know, this many investments in there is preferable. By looking to move Benelong, the BankHybrid, the China, and probably the Banak property as well, I would not just move them and move the money into the other investments. I would look at ways to replace those. So to give you a bit of an example, by moving Van Along, which currently has about 15 to 25 different investment options within that fund, I would be looking to try and build greater diversification for you. So you've also got the keywords, which is more Australian equities. So it's the beta shares Raffi 200. It's the it's got the ticket code QoS, QOZed. Yep. So that's also giving you access to 200 of the companies on the ASX. What we have been looking to do is to provide greater diversification. So removing some of the old investments and maybe putting you into, say, the a 200, which gives you exposure to the top 200 companies on this day in stock market, but attracts the top 200 companies. By doing that, similar to the S and P 500, those sorts of index funds, while they are lower risk, you can still have your high growth portfolio, still have that high risk exposure, but within that, trying to lower, you know, risk and provide greater diversification and also making sure we're tracking as many different investors as as diversification and also making sure we're tracking as many different investments as as possible. So with sort of some of the newer portfolios that we're sort of putting people into, we're looking to make sure we have as much diversification as possible. We're looking at anywhere from six to eight different investment options, sometimes nine, depending on what we're moving into. We're looking at exposure globally for the whole world. Some of the portfolios that we've been using actually incorporate an all world index. That way, we're not just picking, you know, China or The US or Australia or India. We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future. We also keep The US exposure in there as well, and we also keep some separate Australian exposure in there as well. So it's about just making sure that you've got a good diversification. Back in the day, back when I first started in this industry, advisers used to advise and put, you know, individual companies in it. So you might see CBA, Westpac, you know, BHP, but those portfolios had to have 50 or 60 different individual companies to give them diversification. We can essentially create that same diversification by having anywhere from five to 10 different investment options in a portfolio. When we are looking at those, we factor in cost. One of the big ones to factor in is CDP because just like you, your super fund does a tax return every year. So whenever there is buying and selling of investments or investment switching going on, your super fund has to account for capital gains. So when we research what we're gonna move out of the portfolio, what we're gonna replace that with, we look at what the capital gains consequences would be for your super fund. We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money. I've been trying to build portfolios at a much lower costing to save on investment fees. And then you've got administration fees as well, which is the platform fees for Hub 24 and their administration of that platform. So it's about making sure you've got a good diversified range of investments, making sure you've got asset allocations in Australia, The US. Japan's been really good lately, and also parts of Asia as well. But then also making sure there's some global exposure in there. Physical gold has been at a thirty year high over the past few months. We have definitely been keeping physical gold in there. I know in February, it took a massive dive of 18%, and most raised in the last week or so, it has had a little bit of a dip there as well. But physical gold is still a good investment to have. It is a growth investment, but it's also defensive in nature. So when you kind of think back to, like, the DSP or even COVID, when equities are seeing it very much a down point, people take money out of their portfolio and pop it in the gold and the safe haven. So it works both ways. It is a growth asset, but it does work defensively as well. So we do like to have physical gold in there. And then cybersecurity has taken a bit of a hit this year. Your portfolio has stayed up over 15%, which is fantastic. But with what's happening between The US and Iran, cybersecurity has had a little bit of a sell off, so it's down a bit at the moment. But I do see that as still an important place to see investments. Because moving forward, we're all online. We do a lot of things online, and, you know, making sure we protect all of that is a really big place. And governments are just being throwing money in those areas over the last couple of years and will continue to do so, especially with all the the hacking scandals we've had, all the issues we've had with tech companies and things like that. So protecting our privacy is very much one of the larger issues. So I do see hack and cybersecurity as a good place to remain invested. So, realistically, just off the top of my head, I would be looking to replace about four of those investments, maybe five of them, and, you know, sort of readjust the portfolio. I can see a way we can make it a bit cheaper, make sure it has been performing really well, increase your diversification across the portfolio to help lower the overall risk of the portfolio, but also keep within that high growth environment so you are still, you know, obtaining good returns moving forward. Does that make sense? Yep. Perfect. Do you have any questions about any of that? Please let me know if you do. No. Yeah. Yeah. Excellent. Excellent. So there are definitely some things to do here. I would love to, you know, go back and reassess the the portfolio for you. Essentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances. We'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be. Does that sound okay? Yep. Fantastic. Excellent. Excellent. Sorry. Always stop me. I get a little bit excited talking about super insurances. I'm a little bit insane. So feel free to just stop me and ask questions or go, hang on, Dana. I don't understand. I just you break that down a bit more for me. Yeah. It's okay. Yeah. Yeah. The child trauma policies? Yep. Yes. Yep. Absolutely. How did you sort of feel about the trauma policy we recommended for yourself as well? There was also that trauma policy for a hundred and twenty thousand of trauma, and we'd also link that to a bit of life cover held outside of the state for for the difference in benefits and to make it cheaper as well. Do you remember that recommendation? You're right. Random race. Mhmm. Yes. Yes. Yes. Yes. Yes. Yeah. Absolutely. It's trauma reinstatement. You you are on the ball. Exactly. So with the trauma yeah. So with the trauma policy, essentially, if you were diagnosed with cancer, it would pay out the lump sum benefit of the 120,000 recommended, and then it normally takes a couple of months. They normally give you twelve months. At that twelve month period, so long as you've got the trauma reinstatement option, they reinstate that trauma policy. They normally don't cover you for the same thing. So say if you had, you know, lung cancer and you claimed on that and then the lung cancer kinda came back or increased, they wouldn't repay for the same thing. But then if you got breast cancer or, say, brain cancer or you had a stroke afterwards, then once that reinstatement is in place, you can then claim on that 120,000 again. They normally limit that to two reinstatement, but we can always look at making it more if you wanted to try and make that more. That is an optional extra that does cost more. So the more reinstatements we apply to those they allow, the more that part of the policy or the more that option does cost. But it is a good thing to have. I personally don't think having trauma is worth it if you don't have the reinstatement just because claiming for one thing is all well and good, but then, you know, that then it's all gone. You kind of wanna be able to utilize it to the best of your advantage, as sad as that sounds when it comes to insurances. But, you know, trying to take the most get the most out of your cover is really important because the biggest risk we have with insurances is that we pay all this money for premiums, and then we get to 60 or 65, and they're canceled or they expire, and we've never claimed on them. And that's probably the best and worst case scenario. It's the biggest risk because we've paid out all this money for insurance that we've never claimed on. The best case scenario because it means we haven't lost something. We do do a lot of advice for clients to go through claims and do get really great payouts to, you know, to look at what to do. However, to claim on insurance, it means you've lost something. For life insurance, you know, someone's passed away or terminally ill for trauma, there's been a cancer diagnosed through a stroke or something. The income protection, someone's unable to go to work, and income protection is good to kinda cover you for that. But a lot of people who are on long term income protection claims, like, two years plus, they end up they can end up being a lot of mental health effects that come from that because they're not able to get back to work, and they're just sort of sitting around hoping it's gonna be okay and going through rehabilitation or going through treatment and going to the doctors all the time. And that sort of thing really plays badly on their mental health. So it's kind of one of those insurances is kind of one of those tax 22. You kind of wanna have it to make sure that in the event something happens, we can claim them. We've got that to fall back on, but at the same time, if we do claim, it's because we've lost something. Something's happened to us or we've you know? On the upside, we get a lot of money for doing so. So it's kind of one of those tax 22 that's a good and bad scenario. So, yeah, but did you want me to look at the trauma aspect again for yourself, or is it more just the child trauma that's important to you at the moment? What kind of what did you want me to look at? Mhmm. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. You're right. We had some life cover added to it. So the first policy was increasing your life TPD to a million dollars and then adding income protection to cover 70% of your income based on a weight of a 145,000 per annum, and that was all paid out of the super fund. Then the second policy was to cover you for a 120,000 of trauma, and we linked the same amount of life cover to that because life cover paid outside of super also provides the funeral benefit With ClearView, if with having that life cover outside of super, if you were to pass away, your beneficiaries can claim up to 25,000 as a one off lump sum whilst they're going through the claim process for that life cover, and it's called an immediate expense or a funeral benefit. They pay that money down so that the funeral can be paid for so the other expenditure can be looked after in the short term whilst they're going through that life insurance claim. And we had linked that to the trauma policy with the same sum insured of 120,000. And then the third policy was the child trauma policy, so 100,000 for each of your kids in the event they're diagnosed with a major traumatic condition. Yeah. Yeah. Okay. Beautiful. Yeah. Yep. Is so you would want do you yeah. Yeah. The life and tape a day. Yeah. Yeah. Well, we can talk it through. So with yeah. So life cover is if you pass away. Correct. TPD is a little bit more. Yeah, TBD is more if you're diagnosed with a major like a major disability and you're unable to ever go back to work again. The thing with TBD is that it's taxed, and I don't agree with this in any way, shape, or form. I think it's disgusting. But with TBD, if you're it is. If you're under the age of 60 and you claim TBD and it is successful, we can also release your super, the same as your life benefit, but it means that that is taxed, and the tax is up to 22%, which is disgusting. I think that's horrible. The last thing they should be doing, if you can't get back to work due to a a disability like that and you're never going back to work, then the last thing the government should be doing is taxing that. But, yes, it is unfortunately taxed. It yes. That's okay. Correct. Yeah. The good thing is, as advisers, there are things that we can do. So if you were to claim CBD, we would provide advice on how to use the funds. We can move the money from super fund to super fund to get little tax uplift and to, you know, increase the tax free benefit. We can also keep the money invested and draw out smaller increments or smaller lump sum, And there is this crazy math equation they do to work out the tax, so it could also be less than the 22%. We just have to go on the highest marginal tax rate for that side of things. But, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying. It's horrible. I don't like that in any way, table form. Yeah. Yeah. But your you said your mortgage is quite small at the moment. How much is your mortgage? Because I had $3.75 last time. Okay. No. You're fine. Mhmm. Yep. Yep. Okay. Perfect. Yes. Yep. Yes. Yep. Yep. That's correct. Perfect. Perfect. Excellent. Lovely. So, realistically, with having that extra money sitting in there, your mortgage is quite low. If you look at the MetLife insurance policy, the specific other currency you have there at the moment, with your wife and TPD, you're currently at the sum insured of 863,000. So with your super balance, to give you an idea, $8.63 $2.05 8. If you were to pass away today, your super balance of $1.83 $7.90 and 14¢ plus your MetLife life insurance, you actually technically have about a million and 47,000. Correct. Yeah. Yep. Yep. Correct. Yeah. Yeah. Correct. You do. Yes. Yep. No. That's okay. If if we look at it to make it a bit easier for you, if we look at the the the life cover and your super balance, you've got over 1,000,047 there. If we then subtract off your mortgage, which you could yeah. You would be paid out, that leaves about $789,048.14. That could go to your beneficiaries. Now have you look at that. We originally noted that you wanted that to be your children. Is that right? Yes. And they're both of school age. They're quite young. Yes. In the so I'm not sure how your circumstances work, but in the advice document last year, one of the things I had in there was the beneficiary side of it. So when children receive money as a as a beneficiary, if they're under the age of 18 or financial dependent, they actually don't receive the money up front. So if you would have passed away today and the mortgage was paid out, that 789,000 was then available, they don't split that $50.50 and give it to your minor children. It actually gets given to or passed through the guardian, so whoever is the guardian of the children in the event that you passed. So it could be, you know, their biological father or a sister or brother or someone else. That then is up to them. Yeah. You're right. Yeah. Yeah. Mhmm. Okay. Yep. Yep. Yes. Yep. And that's absolutely fine. So with mine, I I'm in a very similar situation. So I had two children to my first husband, and he couldn't keep a dollar if it was, I don't know, for anything. He was shuffled with money. When we divorced and he didn't want anything to do with us, I made it so because in the event of me passing, my two elder children would still have to go back to him. So I stopped him from getting access to money through my will by making that my sister and my current husband's sister as joint executives and joint trustees of a trust. So all money goes into a trust. He has to ask them for money, and they have to sign off to make sure it goes to the children. My third child is with my current husband, and he will still have that child. So it was kind of that making sure that my children could stay as close together as possible whilst understanding the rules, but making sure my ex husband got no money whatsoever, making sure that anything I had would be looked after. Yeah. Sorry. Yeah. Yeah. Yes. And that's probably the step that's really important to make sure that's updated in your will is what happens when that money gets into the estate, how is it then distributed? Does it go into a trust and be held in a trust to be distributed to your kids at a certain time, at a certain age? Is it distributed to, you know, your sister or your parents to, you know, look after your children? That kind of direction is really important because that governs exactly how that money is to be distributed to your children and at what age and at what portion, essentially. Yeah. Sure. Honest that's okay. Yeah. The best thing to do for yeah. Yep. No. That's okay. So the best thing to do when it comes to the state planning side of things is we always recommend beneficiaries, and then we recommend how to, you know, to speak to a solicitor and how to know what to do there. But as a solicitor, a lawyer is the best person to talk to about your will and a testamentary trust, which is a deceased trust. Accountants do living trust for self managed super funds and family trust and things like that, and that's great. But when it comes to the deceased estate side of things and the estate planning, I would always speak to a solicitor because they understand the estate law. They understand the legislation around that, and they can help you to structure your beneficiary nominations in the best way to incorporate what you need to do. It does cost more to have it done that way, but I've always felt as the most it's the most valuable yeah. I think it cost me $2,500 to have my will drawn up correctly, and it was honestly the best $2 I've ever spent. I walked away knowing that my kids were looked after, that everything was done, and that if anyone came out to contest my will, a judge would look at them and go, you're insane. That's not gonna happen. This this is going to kids. So that was kind of why I found that really, really beneficial. So we always recommend on your beneficiary nominations, but then when it comes to estate planning, we recommend you set up a will and power attorney and guardianship, but we recommend you speak to a solicitor to do that. That way, you're getting it done correctly. Yeah. Yeah. Easy. And with the with the advice document if you want, what I'll do is I'll download this advice document that I sent in January. It has expired now, so I can always update the new one for you. But I I can resend this to you so you can have a look at what we had recommended, the reasoning behind it, and that way you can ask any additional questions you have. And it's still good it's still good to go through and have a read and look at what was recommended last time for you. Is that okay? Yes. Beautiful. Excellent. So with the new advice piece now, did you want me to I'll do the super and look at switching the investments for you. I'll look at you want me to do the child trauma again for you as well? Yep. And we had a 100,000 for each child. Do you feel like that's still okay and appropriate? Yep. Absolutely. And did you want me to still look at the trauma policy for yourself? The 120 of trauma and life outside is super? Yes. That's absolutely fine. I think one of the biggest differences and the reason we sort of link it to, a, you get that funeral benefit, which you don't get paid out of when you hold life cover inside super, you don't get those extra benefits of having the upfront cost paid out. The the other side of that was it made the policy cheaper. The trauma health by itself as a standalone policy, whilst it doesn't normally cost very much, having a little bit of life linked to that trauma policy does give you that out of pocket cover, the funeral cover, but it also makes the trauma policy cheaper as well. I can look at both options and see which. You're right. Sorry. Yeah. Yep. No. I would probably keep it as is. It's just an x. Yeah, it's just an extra little bit of life. I mean, you've already got a million and 47 there. It just means in the event of passing, there's an extra 120,000 that's paid out to your estate, which could cover, you know, additional loans if you have a car loan to pay out, more credit cards to pay out, or if your home loan increases a little bit there as well, there's an extra sort of buffer to pay out. You don't have to. I can just do trauma by itself if you would like to. I normally link them because it does make it cheaper. Anything that we're paying out of pocket, if we can, you know, limit the cost as much as possible, that's always a good thing. And these insurances, they're steps premiums. So they do get more and more expensive as you get older because the risk of you making a claim increases. Yeah. Yeah. If you like, I could make the the recommendation. These are just recommendations. I can show you the recommendations again as a whole advice page. And on the very last page of the advice document, we always put down, like, a multiline. It's just a text box. And if there's any part of the recommendation you don't wanna go ahead with, you can always just write that in there, and we just won't go ahead with that recommendation. I could look to recommend the life and trauma policy and show you the cost of that. And then in the appendices, just put the trauma policy stand alone so you can take the two options together and sort of make up your mind as to which one's better for you. Does that sound okay? Yep. Perfect. Trauma. Beautiful. And with the income protection, you sort of said that you weren't too worried about the income protection side of things at the moment. Did you wanna kinda revisit that, or are you happy without it? Or yep. Yep. Yep. That's okay. What I'll do is I'll do the income protection. You don't wanna increase the life and pay today to 1,000,000. You're happy with this cover amount we have at the moment, aren't you? Yep. Yep. Beautiful. I'll add the income protection into the recommendation and then just to sort of show you the difference. And then you've also you can all you can see on this to the occurrence of the cost of it currently, so you can sort of see what it increases by. Because the income protection is paid inside super, that's obviously effect has an effect on the projected outcome. So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy. So you can kinda see the difference between the projected outcome with both. Is that alright? Does that sound okay? Yep. Beautiful. It kinda just gives you options to see what I'm recommending, how this meets your goal, but then in the appendices, the additional research there. So, you know, what it looks like if you don't take the income protection, you know, how that's projected forward over the next five to ten years, the trauma policy by itself. So you can kinda weigh up the cost and work out what's better for you. Okay. Fantastic. Excellent. Other than that, with the the recommendations for the beneficiary side of things, in the last advice document, we had recommended that you set up your your beneficiaries as legal personal representative because you wanted everything to be split between your two children. I will probably keep that recommendation exactly the same because that just means if you pass away, your life benefit and your super is paid direct to your estate. That way, everything can be incorporated into your will, and that way it's all sort of directed out to your children as per your wishes. Do you have any sort of questions or concerns about that kind of recommendation with the beneficiaries at all? Or yeah. It's a legal personal representative. So on your benefit renomination, they have a tick box called the LPR or legal personal representative, and that essentially means that in the event of you passing, your super and your life proceeds are just directed straight to your estate. They're not directed to any particular person. It just goes to your estate. It gets lumped in with all everything else, your house, your car, your savings account, and the executor of your will goes about doing a final tax return. They pay out any debts that need you to pay out, and then they distribute the funds amongst your beneficiaries. And having legal personal representative just means that your super annual life benefits are all incorporated into your will. It's basically directing it all through your will. Does that make sense? Yep. Mhmm. It would. Yeah. Yeah. Yeah. We just have that updated to replace that. Because at the moment, with it being your two children, if if you were to pass away, the because they can't they're not over 18, they can't actually make the claim. So whoever's their guardian would have come and make the claim on their behalf, but then the money gets paid to the guardian or the guardian to split up to the children. So it does mean that there's a lot more discrepancy if the guardian didn't spend the money correctly or use it or give it to the children or invest it for them. You know, that that can happen and does happen quite a lot. You know, money families always work really well until there's money involved, and then we sort of see lots of things coming out and happening. So it's always good to protect everyone. Yeah. Easy. So I will update this advice for you. Now I do not want this to take any longer than it needs to. So I'm gonna book you in to have this presented in about three weeks. Are you okay with that? Yep. Beautiful. That way, you've got a bit of a deadline. As I said, I'm trying once you go and clean all of this up, I don't want things to take as long as they did last year. So I'm making sure that everyone has a little spot in there to be booked in so that there's a deadline for our team to have everything ready. So three weeks, that brings us to my goodness. August. One, two, three. That brings us to the August 13. Wow. What day normally suits you better? I work Monday or Thursday. Technically don't work Friday, but if you only do Fridays, I will absolutely present Friday. It's not a problem at all. Okay. Okay. Yes. That's okay. Absolutely. So Thursday is my late day. It does, unfortunately, look like I am pretty well booked out on that for the next six weeks, but I'm going to do it for you on the Wednesday. So, the Wednesday, the nineteenth. It does mean it's four weeks away, but the Wednesday, the fourteenth, I can do a late as well, and I'll pop it in there. Did you want sort of four, five, or six? What time suits you better on the Wednesday for the late? Yeah. Or it's only a Thursday sort of preferred the the late yeah. Okay. Sorry. Yep. Yeah. Yep. That's okay. Not a problem at all. I'll book it out for two hours. That way, if anything comes up and you need a little bit more time or you need to push it back, that way you've got plenty of time there. So that'll be the nineteenth. It is four weeks away, but I've got that booked in there for you. Beautiful. Did you want me to send you the invite as well or just an email with the confirmation date and time so you can block your calendar out as well? Yep. Perfect. That's okay. Not a problem at all. Beautiful. Excellent. So that's all booked in. I've got a really good idea of where we're gonna go with the advice, which is fantastic. I just wanted to update a couple of additional things with regard to your back line. I know Sammy went through and updated as much as possible. I've got your income. So they're looking at a 155,000 to focus on the income protection side of things. Your salary sacrifice, your oh, so sorry about that. My apologies. Have you gone? No. You're fine. One six five. No. That's okay. Good thing we clarified that. Salary sacrifice, we're still doing $200 on a fortnightly basis. You're happy discontinuing that. You didn't want us to look at increasing or altering that at all? No? Nope. That's okay. Dedicated savings. Are you finding that you've got some dedicated savings every week out of your income that you are able to put away, or are you finding it's a bit harder expenditure wise? Yep. 750 a fortnight. Beautiful. There we go. Excellent. Okay. Yep. That's perfect. And then I've got your share portfolio here. That was about 32,000 in value last time. Has that increased a little bit since then? Oh, fantastic. 37,000. Fantastic. I've got your vehicle, the Santa Hyundai Santa Fe, valued at about 35,000. What's the value? Would you put on that now, do you think? Yep. Yep. Yep. That's okay. Perfect. And then content evaluation at 250,000. Would you keep that the same? Yes. Yep. Perfect. I've got all the other details here. Absolutely fine. Just double checking with because I'm sort of looking at the the insurance side of things again. I just wanted to clarify that being no major changes in your health since we've last done a pre assessment with you. Just sort of clarifying that oh, good. The only thing I have noticed he sorry. Right. Oh, wow. Okay. Yes. Yep. Yes. Okay. Yes. Perfect. Excellent. And when was your last checkup to have the moles checked? June? This year? Beautiful. Twenty third. Beautiful. Awesome. Thank you so much for that. Lovely. I'll just make sure that we're double checking everything so that in the advice, they'll keep the same as last time. We can kind of outline what's expected when it comes to, you know, the policy and writing the insurances to see get an idea of what the expectation might be. Easy. Everything's looking really good. I just also wanted to do a quick risk profile questionnaire as well. So I've answered most of these questions because, realistically, you've got shares already in your own name, and with Super, you can't access that until at least 60 at the moment. In the next sort of twelve months, if we saw the markets fall by 20% due to what was happening globally, how do you think that might make you feel? Are you wanting to put more money in, take advantage of the downtime? Are you likely to hold and wait and call us, or are you a bit nervous and wanting to cement those losses? How do you think you might be feeling? Yep. Beautiful. Excellent. The other one here and and I'm one of the things you told, Tammy, was that you were looking at maybe, you know, trying to look at other strategies like, sorry, debt recycling. Is that something you're still sort of planning to look at doing? Or Mhmm. Mhmm. Yes. Yes. Yes. Yep. Yes. Yep. Yep. Yeah. Absolutely. So debt recycling is very much a long term strategy. I do advise on it. It is a very complex strategy to take on. It is technically a form of gearing because you are using money that you have borrowed to invest. Have you looked at how the sort of strategy works? Do you understand much about it and how it actually works? Just to find out. That's okay. Mhmm. Yep. Yes. Yep. Yep. That's right. Yeah. So with the yeah. So there's one of two ways of doing it to start with is that you can utilize and borrow more against equity. So you release some of the equity in your property. Say, they normally like between sort of 50 to a 100,000 to start because you get much better tax advantages that way, or you can be paying down more onto your loan. That either the equity release or if you pay more onto the loan, you need to split that off from your main loan. So you end up with a secondary investment loan. If you put, say, 50 or 60,000 onto your actual mortgage, that is redrawn off, and the loan is split. So they have to split the loan so you have a separate 50 or $60,000 loan, and that money has to be physically redrawn off your mortgage. That way, it is used for investing purposes. With equity release, they do have a separate equity loan. That money is, again, withdrawn off the loan. It has to be put onto the actual home loan then redrawn off for it to work. Then we invest that in a portfolio very similar to what you've got in your super debt into shared portfolio. That money is sitting there. We can do it one of two ways, is we can have the income drawn out of the investment portfolio on a regular basis, and that gets paid into your main primary loan. You're actually paying back the interest and the principal if it's the loan set up that way on the investment side of things, but you're still paying back your nondeductible loan for your main primary mortgage debt. The the income and the growth is then taken or whatever you get. So say you've got a, you know, 10% return for that year, the 10% difference on the growth in the income from your investment loan or from your investment is deducted and put onto your main primary residence, and then the whole process starts again. You then split that loan, and then that money gets invested, and the same thing happens again. And it's essentially a cycle. It happens every 12 months. I have in the past worked that that income is just taken directly out of the investment and put straight onto the main primary residence line because then you see income being paid out regularly. It can happen every 12 months. We like it to happen every 12 months, but times with market ups and downs, it means that you can't split the second part of the loan or chain or do the next part of the cycle for one or two or three years. There is always a risk that when markets are down or not performing as well, that the rate of return you're receiving in the portfolio is less than you're paying on the actual loans itself as well, so you end up paying more in interest. That is a risk to it. Yeah. And it's it's definitely a long term strategy. So I know some advisers out there try to do it in three or four or five years. I personally like to be more conservative with projecting, and I know the risks and understand markets quite well. So I know that markets do have downtime. So I do like to do it over more of a ten to twenty year period. It is more it is more conservative that way. You can pay the loan down a lot faster if markets perform better, but it's just more of a realistic understanding that markets don't always have good years. Generally, every seven to ten years, we do expect a big negative drop. And if we think back to the GFC, that was a huge drop of around 60% in the market, but it took six to seven years for the market to recover from that. So it is a realistic view of investing, but debt recycling is a great strategy. It doesn't pay the your main primary residence off any faster. It just changes your your loan structure. So it goes from being a non tax deductible debt into a tax deductible debt depending on what happens at the end of that loan. Some people prefer to take the principal out and pay the loan off completely and keep, you know, the investment open with whatever growth and income they've received. Other people prefer to just kinda keep it open permanently. It just sort of comes down to what your goals are and how that strategy works best for you. The other option is obviously buying an investment property. I know with the changes in what's happened over the past couple of months, as of June, it does make it a little bit harder. We still can utilize negative gearing if you are looking at purchasing a brand new residence. So if you buy a new home and it's built, you can still utilize negative gearing moving forward. And, I mean, with the new changes, I don't a 100% hate them. I did read through the legislation when it came out, and, realistically, it's not a bad strategy. It's not a bad structure. It just means that if you're looking to say and I'm finding this is probably changing a lot of the way investors think about property because property does grow at a pretty significant rate over longer term. So I have got a few clients who are now looking at just holding properties for, say, the next five, ten, twenty years, getting to retirement and selling that off. And if it's not a new build with the with the negative gearing not being a factor anymore, they essentially make your loan continuously neutrally geared. So if you, you know, earn income from the property of 20,000 and your expenditures are 30,000, they make it neutrally geared on your tax return, so your expenses are no more than 20,000. And the extra 10,000 is, you know, capital set. It's held. You know? The losses just continuously build until you sell the property, and then they subtract any previous losses off the gain. So it can reduce your capital gain at the end of it. It's actually not bad. Yeah. Yeah. So it's it's essentially a difference no. It's that it's honestly not. I promise you. It's definitely not. It's the difference between what you earn in income from the property versus what you're expenditure is. So when you think about property, your income is the rent you receive from that property. Your expenditure is everything you spend on that. So with the the loan you have for the property, the the principal you pay back is not tax deductible, but the interest is. So you can claim the interest you're paying back on the loan, the management fees if you have a real estate agent looking after the management of it, your insurance is on the property, your council rates on the property, if you have someone come and mow the lawn once or twice a week, if you, you know, have to replace things, if you get a painter to come in and do things, if you have to fix the water heater or get, you know, solar panels and things on the property, any maintenance of things that you do to the property, all of that is considered your expenditure, your water bills, if it's, you know, a raised any home and you pay water. Everything you pay on the property is essentially your expenses. If your expenditure is less than you're making an income, you've essentially made a loss for that year. At the yeah. At the moment, we can claim that loss against our income, and it reduces our taxable income. As of the July 1 year, that will unfortunately not be the case for anyone who's purchased property after the May 12 at 07:30PM this year. At yeah. May 12. So what'll happen then Yeah. That's correct. Let's say you had a $10,000 loss every year. As much as on your tax return, you're not getting that advantage direct that year, that 10,000 loss continues to it just stays continuously. It adds up. So, say, over ten years, you had a $10,000 loss. It's a $100,000. When you just go to sell that property, you work out your capital gain, and then you subtract the loss from that. So it reduces your capital gain, which is not a bad structure. It means that you end up paying less DGT tax at the end of it as well, which isn't a bad structure. I've had a lot of people go, are you serious when I say that? But after, like, going through and reading the legislation, I don't hate it entirely. If you were to buy a brand new build, you still get access to the negative gearing. So if you found, you know, someone who's building a property and house and land packages are often a lot cheaper than buying a new house anyway, So buying a a current house anyway. So, you know, if you found something like that, that would be a good option. We can definitely provide advice around it. We don't find the property for you. That's more of a prop like, a buyer's agent. We do have access and can, you know, refer you through to a buyer's agent. They normally charge about 10,000 to help find you the property. But, yeah, if it's something you wanted to look at, I would essentially look at your goals, what you're wanting to do long term, whether you're wanting to hold property, whether you're wanting to pay down your mortgage, what your goals are, and then build a strategy that works for you, whether it'd be holding property right to retirement, paying the mortgage down, and then living off the income to supplement super, or whether we hold property, look at how much it's been growing, sell it off, cement the gain, and, you know, you would use the money in retirement some other way. We can definitely provide advice in that area. It just comes down to what your goals are as to what the strategy is that works for you. When the other thing I do have to be mindful of as an adviser is the income tax act. So I can't provide advice solely for the purpose of reducing tax. It is unfortunately section four a of the Income Tax Assessment Act 1936 and 1977, where if we provide advice your goal is solely to reduce tax, it seems a tax avoidance issue. So what I would want to make sure is that you have a goal, that your goal is essentially whether you want to supplement super in retirement or whether you just wanna build wealth now and sell it off to, you know, have extra money in retirement to boost your super or, you know, have a have a house and pass it down to your children as estate planning. So the side of thing, it's just about working out what your goal is and which which strategy works best in line for you there, whether it is, you know, to invest and build wealth now, not worrying about paying down your mortgage, but changing your debt so it's more tax effective for you and building wealth that way in the shorter term, then, you know, debt recycling could be a way to go there. So there are definitely strategies that we can help you with. I love doing things like that. They are more complex. When it comes to fee structure, I don't wanna sugarcoat anything. I wanna make sure you have all the information there. With the fee structure, you pay the 1.65% for us to look after your super, but advice fees have to meet a sole purpose tax. So when it comes to advice outside of super, investments, we do also charge an implementation fee, especially for debt recycling, an implementation fee for going through the advice for that one. And I've actually got that here because we've actually just gone through and reupdated these. The implementation fee would be 2,200, especially for debt recycling, and that would have to be signed as per a letter of engagement. And then for having the investment set up and investing the funds and monitoring it, we do charge 1.65% out of the investment for the ongoing monitoring maintenance of the investment account as well. So just so you're fully aware and you understand that there is a there are fees for the extra advice, especially outside of Super because we can't charge we can't charge you inside of Super for advice outside of Super. It doesn't meet the sole purpose test, and they don't allow us to do it that way. But is this something I wanted to make sure you're fully aware of, that I'm being you know, fully disclosed so you can take that away and understand that and work out what your goals are? And then let me know what you wanna do, what you you know, when you wanna have more of a conversation, and we can absolutely look at what's happening for you. Perfect. Do you have any questions? I'm sorry. I've touched on a lot. Yes? Oh, good. It is a lot to go through. Did you want me to send you any kind of recap emails there or any anything with yep. No worries at all. Yeah. Yeah. Yes. Yeah. Yeah. Absolutely. Not a problem at all. I'll do that for you now. I do have the updated financial services guide, which they are releasing, which has all of that in there. So I will get a copy of that to attach to that doc to the email so you can sort of see that and run your eyes over it. It outlines the fee structure, how it works, and the different fees for the different areas of advice that we advise on, especially outside of Super. Next year, they are updating our fee structure to be more of a tiered structure. So, essentially, at the moment, the fees are 1.65% inside super and investment, and they're capped at 600,000. Moving forward, they will be more of a key structure. So when your balance hits 600,000, the fees stay on, but the the actual percentage decreases. That is not happening this year. That's happening as of next year. So the ongoing service agreement you have attached there is the same as it has been for the last couple of years. And when that fee structure is fully updated and we have your next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that. But as I just wanna kind of because everything's kinda changing at the moment, I just wanted to make sure that I'm open and letting you know, you know, things are changing. Things things are happening, but this is what you're up for now. And it's reviewable, and you're never locked into a contract either. So if you decide that you're unhappy with everything, I haven't lived up the expectation, you can say, Dana, I'm done. I'm out, and I will turn the fees off. I'll help you roll out to wherever you wanna be, and I'll thank you for your time. And, you know, we'll we'll go from there. But I just want to make sure I touched on everything that is important to you, answered the questions. If I haven't answered anything to your standard, please let me know because I'd love to make sure that I'm doing everything right by you, and I do wanna make sure I've catch up with her. Moving forward, would you like catch up more every month of your three months or six months? What's preferable for you moving forward? Yep. Absolutely. Yeah. Absolutely. Yeah. Yep. Yeah. Yeah. Absolutely. No. That's absolutely fine. Not a problem at all. Well, just with the goal for super so I can sort of project that forward for you and look at it. In the advice document, I know back when they did the original advice document, you were given essentially twenty year projection. I don't do that. I stop at five or ten years. But in the back end, I do project things out even further. It's just about making sure we're not providing because rates of returns change, and I don't like the idea of telling you you're gonna have $6,000,000 in retirement when you're probably actually gonna not because markets go up and down, and we do see very large dips in the market in the short term. So it's about just making sure that I'm giving you a conservative projection and keeping you on track. I would like to underperform and make sure your projected your actual outcome is better. So I will project that in the back end for you, but the advice document shows sort of five and ten years to make sure that we're not doing anything crazy. I think also when it comes to advice documents, don't let people to project out, you know, thirty years down the track because it's not always it inflates the projections pretty heavily, especially when the performances you know, certain investment portfolios might have received a a 15 or 15% return over the past five years. There's no guarantee they're going to get that over the next two or three or five years. So we have to use those returns because that's what it has performed or how it has performed in the in the past, essentially. So it's about making sure we're not overinflating things. But I'll do it in the back end, and I'll have a look at what the 200 looks like for you. If we need to maybe look at increasing that, I'll recommend it and show you how and why the advantages disadvantages of this involved, and then you get to take that away and decide whether you're happy with that or not. All of my advice documents do also have yes. Sorry. You're at yes. Mhmm. Mhmm. Yes. Oh, the con yes. The the contributions cap. Yes. Yep. Yes. Yeah. Absolutely. Yes. Yeah. Yeah. Yeah. Yep. Yep. You could yeah. You could yeah. You could do. So they're called the carry form contributions. I can have a look at that for you as part of the advice. Essentially, what I would wanna be doing is looking at whether it's worth keeping it on the mortgage. So looking at how that's gonna benefit you versus putting the money in the super. You can do it in two ways. So salary sacrifice is what you're doing at the moment. There are other options where you've got sorry. I've got the hiccups. I do apologize. You can also do what's called a deductible contribution where at the end of the financial year, if you haven't used the whole of your cap space that year and wanna make, like, a lump sum contribution, you absolutely can. But you look at what you have carried forward contribution from the last five years, and your ATO will show you eligibility for that. Essentially, eligibility wise, you just have to be able to show that your balance is under 500,000 as that 30% during the financial year prior, which yours is. That's absolutely fine. You're also under the age with of the requirement, which is fine. So, yeah, you should be able to have a look at your MyGov account. In MyGov, if you go to the ATO section, then super, and then the menu and its information, it should then tell you carry forward contributions. If you click on that, it tells you eligibility and then has the last five years broken down for you. We can use it in one of two ways. As a deductible contribution, if you do that at the end of the financial year or you can be doing it in, like, smaller amounts on a regular basis, it actually lowers your tax it uses a tax deduction. So, like, salary sacrifice comes at free tax, so it reduces how much tax you pay on your income for that week or that fortnight. Whereas if you take a lump sum $5,000 at the end of the financial year and put that into your super as a deductible contribution, because it comes out of your after tax money, once it goes into super, we claim a notice of intent. That means the super fund deducts 15% tax. You pay tax on the same amount of money twice. You can then take that $5,000 back and claim it as a tax deduction, and it helps reduce your taxable income by $5,000. So there are those advantages that you can look at doing there. It's up to you whether you wanna just focus on this part of the advice first, and then we come back and look at that again. The same as always if I do three advice documents in a year, you don't pay anything for that in relation to super. That's all part of your ongoing service agreement, and I'm happy to come back and look at that. If you just want me to, we can do the advice on this now. And then in May next year yeah. In May next year, I can make a little calendar invite to check-in, and I can say, hey. Look. We've got this much space left over. Have you got any extra cash? Do you wanna make a deductible contribution? It definitely works better for higher income earners because it can look to reduce you back a tax bracket a little bit. It's, you know, to help you get a bit more back on your tax return, which could be an advantage. So we can absolutely do that for you. Yeah. I've got them here in front of me, actually. Okay. Mhmm. We go from one one thirty five to one ninety. Yep. Mhmm. Yep. Yeah. And even making something as as much as 1 or 2 or $3 could absolutely, you know, push you back under that tax bracket a little bit. And, you know, even if you're taking that money off the mortgage yeah. Yeah. Absolutely. Yeah. Absolute absolutely. And, I mean, if you get a little bit extra tax back, you you put that money in the super, but then if you reduce your tax and get a bit more back, you can put that back onto the mortgage as well. So it's kind of giving you that double benefit there. So we can absolutely look at doing that. Did you want me to factor that into the advice now for you or just maybe hold up until end of financial year and look at what your income is then? What would you like to do with that? Yep. Yep. Absolutely. Yep. Absolutely. Yeah. Perfect. No problem at all. And I'll send this email shortly for you. That way, you've got a bit of a recap going through all the things that we've gone through. I'll have your old advice document there as well. I've booked you in for the next month, so I'll add a little note there on the email with our next appointment for your advice presentation to go through with you. And if you have questions or anything else, come back and let me know. I'm happy to rebook you in to talk about anything. If there is anything you need, I am, like, taking as many calls as I can off the cuff. So if you call in and go, hey. I need to talk today. I've got these questions. The team will always ask me if I'm available. And if I'm not on the phone, I will always try to take the call. So I'll make sure that I'm available when you need, and I'll make sure that we have a three month catch up from from the August 19, three months on. That way, we can kind of make sure we do those catch ups for you, and you'll hear from Sammy. She's the one that's gonna give you a call and book you in for those catch ups and make sure that you're all looked after with me. So we're we're striving to do better this year, and I really hope I do. If I start to fall short, please let me know. I wanna do the best job I can, but tell me if I start to fall short and I'll pick my game up, I promise. Okay? That's okay. Do you have any other questions or anything else that you might have for me today or need me to research for you? Or that's okay. Beautiful. Well yeah. Yep. Yeah. Easy. No worries at all. I'll get that email to you shortly. You put your annual review doc there as well. Feel free to go through those ones. If you're happy to sign them or return the annual the ongoing agreement of that, do so, and I'll get stuff into this research. We'll have it ready for the nineteenth for you. Okay? Thanks so much, Bianca. My pleasure. You have a lovely afternoon. Thanks. See you later. 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Maddie. Beautiful. All good. How does she say? Mhmm.\n\nThat's all good. No problem at all. You can send us through whenever you're ready. Hi, Vy. How are you this afternoon?\n\nI'm very well. Thank you. How's your day been this far? Oh oh, that's okay. That's absolutely fine.\n\nNot a prob Oh, really? Oh, wow. How did they go? Did they oh, that's that's fun. That's awesome.\n\nI love that. My son had his a few weeks ago and, yeah, he's in year four now, so he's gotta try a little bit harder and do all the bits and pieces. And, yeah, he loves it. It's a bit of fun for them as well. So yeah.\n\nAll good. Look. I did have you booked in for your annual review today. I have sent through some compliance documents to you as part of the review to your email. I think, first off, I know Wendy spoke with Samantha.\n\nWe've obviously, you know, had some issues over the past twelve months, and I wanted to sort of address your concerns with you guys and just sort of have a chat to you about sort of, obviously, what your goals are, your concerns there. I know you're not a 100% happy with our services, and I 100% understand that. But I just wanted to sort of take some time to have a chat to you about your concerns, what you're after, what you're looking for, and sort of see what we can do moving forward to help you out and to make sure that you, you know, you are looked after correctly if that's okay. Yeah. Yeah.\n\nYeah. Oh, absolutely. Yeah. Yeah. Yes.\n\nYes. Yep. Yes. Yep. Yep.\n\nYep. Yep. Yes. So far, there you go. Yeah.\n\nRight. Right. Yes. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That's okay. Yeah.\n\nIt's yeah. Yeah. Mhmm. Yep. Yep.\n\nYep. Yeah. Yeah. No. Absolutely.\n\nYeah. No. That's that's that's perfectly fine. And I'm really, really glad that you brought those things up with me because in all honesty, I get it and I understand. And, look, in the last twelve months, I absolutely agree, Ophi, you have let the ball down.\n\nThere's been a lot of things that happened last year that are outside of, obviously, my control, but there has been a lot of decisions made by senior management that, hey, I didn't agree with that I know have affected clients. And this last six months between January to now is essentially where I've been trying to clean things up a little bit and try to get my book under control. I end up we used to when Tarik was on board, I actually worked with Tarik. He and I went through our p y together back in the day. He was great.\n\nLove him, but he is very much more salesy than myself. So with with Tarek and I, we essentially used to share the whole book of clients. So all the clients on under OPU are essentially under the OPU license, and we used to just call every single one of them and go through the annual reviews and do what we needed. So there was no sort of specific adviser in that scenario. When Tarek moved on elsewhere and I need to step up and take on a few more extra clients to help out, we've since then got a few additional advisers on, which is great.\n\nThe book is looked after. But after last year and what happened, I actually asked for a set book of clients. So I have a set book of clients that get to talk to me on a regular basis. I've been going to try and do reviews, looking at doing foundation advice documents, updating insurances, updating portfolios to everybody, and then making sure we do the regular catch ups because that was something that was promised back in the day, which over the last couple of years hasn't really sort of happened. The catch ups have kind of been few and far between.\n\nSo I've been trying to make sure we do those regular catch ups there. So that's one of the things that I've sort of implemented this year to try and help alleviate a lot of the problems in the past. The second sort of part is with the super fund. I know back in the day, everyone sort of talked about active management, and there's a couple of different ways in which a super fund is actively managed. One of those is buying and selling on a regular basis.\n\nWith the way your trades work, when your super fund when your money goes into the super fund, it goes into the cash account. Every once generally, around about the twentieth of every month, Hub twenty four do a regular they fund a transaction report, and that tells them how much cash you have. That basically tells them how much they need to invest in those funds that we've put you in, basically. So your portfolio, when you came on board originally, we would have recommended, I think, about eight different investment options there. With what happens with your super fund is whenever money goes into the account, it's just in the cash account.\n\nOnce a month, they run the trades and the report, and those trade reports that you've been seeing are essentially just automated reports from Hub twenty four. So we're not physically going in and making those trades. We've told them what we want you invested in and in what asset allocations that might be 10% of the S and P 500, you know, 10% bang along. It could be a no 10% in cybersecurity. They essentially activate those trades in the back end of Hub 24 as per our allocation.\n\nWe don't buy and sell individually and alter those investors on a regular basis because then we run the risk of day trading with your super. I know there are advisers out there that do do that, but day traders run the risk of not not staying invested through the longer term, having trouble buying and selling at the top and the bottom of the market, which disadvantages you. So our job with your investment portfolio is to be monitoring it, looking at it every couple of months, giving you an update on what's happening with it, looking at whether the performance is over or underperforming for the year, and then updating your portfolio as we need to as well because certain investments, say, back in 2021 or 2024 might have been performing really, really well, but then now they might not be performing as well. Then we update the advice and make alterations to your portfolio moving forward. And so that's certainly tracking towards the goal and making smaller changes on a regular basis and monitoring that long term to get those changes to where you to where you wanna be, essentially, to make your super work as hard as possible and making changes as we need to in the in the shorter term.\n\nBut I am really sort of conscious that we don't day trade with your super. We don't go in there and make changes and actively buy and sell and try to pick the top and the bottom of the market. And I think because, as you said, you were brought on by those salespeople back in the day, and those are the marketers. And they're actually mostly out of business now because they were, and I'm sure they promised you absolutely everything. And it's definitely I can safely say from last year, we have definitely not lived up to that expectation.\n\nBut your super is performing really, really nicely. The ongoing service fee within that is 1.65% per annum. So then that is deducted in full monthly increments. And the idea about percentage based fee that way is that it fluctuates with the market. So, you know, whilst you might probably expect to just pay, you know, 2 or $3,000 for the year, it's deducted in smaller increments, and it goes up and down with the market.\n\nSo one of the biggest things that I try to instill is that we can't control market, and we we don't ever try to sell out of the down market. We wanna stay invested in the down market. We want your contribution to go into that down market because those investments at the down point are essentially cheaper options. They're a discounted rate, and you where contributions go in, they buy into that discounted rate. And then as the market comes back out and recovers, you take advantage of that, and that helps with your overall growth and the compounding effect of your super.\n\nSo that's essentially how the super works, and that's sort of how those trades happen. I'm not sure why they've been less this last twelve months than they had in the past, though. I will look into that because they do run those trades every month. Around about the twentieth of every month, Hub twenty four run their whole cash account. They, you know, reinvest and buy and sell in the background as per our direction.\n\nSo that those trade reports should realistically be coming through every month for you. So I will have a look into that if that's okay. That's okay. Yep. Yep.\n\nYeah. That doesn't make sense. Yeah. Yeah. Okay.\n\nNo. No. Yeah. Yeah. Yeah.\n\nNo. That's that's honestly fine. Yeah. Yeah. Yeah.\n\nYep. Yeah. That's really bizarre. I will definitely have a look into that and yeah. No.\n\nThat's okay. I'll definitely look into it for you. I'll make a note there that you do want those trade reports to come through so you can see what is happening and being bought and sold and, you know, managed in the back end. Yeah. Beautiful.\n\nBeautiful. Excellent. Lovely. So, yeah, look, that is essentially super. And as I've said, I'm not going to, you know, sugarcoat any way, shape, or form.\n\nWe've let you down over the last twelve months, and I a 100% get that. I do wanna try and make sure we do better. At the same time, I know Samantha told me that you were a bit unsure of that and self a bit stuck. If at any point you decide that you are unhappy with our services, you do find an adviser you would prefer to work with someone else, that is absolutely okay. I don't want you to leave, but at the same time, I'm honest.\n\nAnd if you find someone else that you would prefer to work with, they can take over your super. Your insurance can be transferred as well or paid out of any super fund. That's the benefit of having the retail cover. We can have it paid out of any super fund. We just have to change the super fund that it is paid out of.\n\nIf you do find you have a better relationship with other advisers or another firm and you just, you know, wanna go with them, that's understandable. I get that. You let me know. We will help you roll on out. We'll help you change the adviser.\n\nYou can have change of servicing platforms attached to any super and any insurance policy as well. So that all can be changed. That's absolutely fine. I would personally love to see you stay on for another year and do everything I can to help you working forward towards your goals and doing better on behalf of AC Financial, but at the same time, it's it's gotta be your decision. You've gotta be comfortable with where your money is and where your your super is.\n\nThis is your retirement. You'll probably note I'm very much less salesy than anyone else you've probably spoken to in OQ, and that's that's because I I do not believe in the salesy tactic side of things. As a financial adviser, I work on the best interest, Judy, and I have to work in your best interest. So the advice I do provide is about making sure we're working towards your goals. I'm so was so sorry that that advice took so long to do last year.\n\nIt was not preferred in any way, shape, or form, and I was very disappointed in us for that task. And I was, you know, making sure that that was done in January for you so you didn't have to wait any longer, and then, you know, trying to clean things up from now. But it was by no means preferable, and I don't have any excuses for what happened. I don't want to, you know, sit here and justify any of that. It was bad business.\n\nIt was bad on our behalf, and I just wanna apologize that it's not good at all. Yeah. Yeah. No. Yeah.\n\nNo. Yeah. No. Yep. No.\n\nSo you can have it without being a without having a financial adviser. We can remove ourselves off it. The only sort of main difference is in order to transact on the fund, we do we can do that. So when and if we provide advice and, like, I've had a look at everything. I think there's advice we could definitely provide now for you to update things if you want to go through that.\n\nBut, essentially, within HubSpotty four, we go into the platform. We have a a transacting in platform on this end of things. It's a little bit different to how you see it on the other side. But we can buy and sell. We can do market trading, aggregating trading.\n\nWe can, you know, change things in the back end, update the investments. We can do all of that, and it then it goes through the hub twenty four's administration team, and their investment team within the admin team, they go into the actual market and do all the buying and selling the back end. If you were to remove the adviser from the platform, you can keep it exactly as it is. The difference is in order to transact on that or buy and sell or alter your investments, you would have to call them and get them to place those trades for you. But you don't it's not an adviser only platform.\n\nIt is a platform that you can retain if you decide that you're comfortable with doing that. And, yeah, as as I said, we can always you know, if another adviser comes in, they can add an authority onto it, and then there can be a a change of adviser form signed to all that as well. But it's not it's one of the few that is not an adviser only platform, and you can hold that or remove your adviser and still utilize the platform fine. It's just the transaction side that you would have to call the admin team at Hub twenty four and get them to do and place trades for you. They get verbal approval to organize all of that, but it can definitely be done.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nAbsolutely. Definitely. So with the documents there, the main one is your ongoing service agreement for the next twelve months there. Don't sign it right now. Obviously, take some time to think about what you wanna do.\n\nCome if you have any additional questions, come back and ask me additional questions. That's absolutely fine. I don't wanna sort of press you into making any decisions that you're not comfortable with. Love you to take some time to think about what you wanna do moving forward. With the the attachment.\n\nNow on the very front page, at the bottom, if you scroll down, I left a little message there. And underneath that, you should see all the attachments. Can you see those? Fantastic. Excellent.\n\nThe first one there is or should be the summary of the brand new agent and or insurances, and it's giving you an updated balance as of the July 23. Can you see that one there? Sorry. That's okay. You're right.\n\nI get it. Yep. Perfect. So just double checking with your balance last year, we were at a 140,902 and 28¢. Balance this year, we're up to a 183,790 and 14¢.\n\nSo it has been good. We have definitely seen an increase on that. Part of it is your contributions and your salary sacrifice going in, but the other part that is with the that's the growth. Now with the performance of in. Yes.\n\nYes. The the growth. Yes. Growth what? Yeah.\n\nYou're right. So if you have a look at the hub twenty four performance with internal rate of return report, this is showing you the growth. So the second page, if you look at the third last column, you've got total earnings, and it shows there that the income and the growth in the last twelve months is $13,005.91 and 70 3¢. You can see that? Yep.\n\nBeautiful. All good. So that no. That's okay. You're fine.\n\nAll good. That's essentially the earnings received by the portfolio. That's the income and the growth within the last twelve months there. It does give you a internal rate of return of 11 sorry. 6.11% to 6.11% there.\n\nThat is net of any administration fees, investment fees, and our our ongoing service fee there as well. Now with your portfolio, having a look at the first page there, all of your investors are performing very, very nicely. However, if you look at the Benelon Australian Equities one, that one there I flagged as underperforming. And the reason I can sort of tell it's underperforming is that whilst we have seen the ups and downs in the market this year, as a whole, the Australian share market is actually not doing too bad. Equities are up at the moment, but this one investment is down and down quite a lot.\n\nIt's showing it's down by over 23.26%. I went back to have a look at Bennelong and see what was happening within the fund. They've had some underlying issues with one of their investments, so it's kind of made that fund underperform pretty heavily. I actually wanna remove that from your portfolio. I don't want that there anymore.\n\nI do have to update the advice to make that change for you, but I would like to have that removed out of your portfolio. One of the big things with why Benelon was in there is the investment manager is an actively it's an actively managed fund. So inside the Benelon Australian Equities investment, they are trying to buy and sell. They are trying to pick the top and the bottom of the market. They are trying to buy undervalued stocks.\n\nThey generally hold anywhere between 15 to 25 different investment options, but this year, they have not performed very well. They had, up until COVID, a very good rate of return. They were performing phenomenally. I think their rate of return was about 30% in about three to five years, which is fantastic for them. But most recently, they haven't been able to keep ahead as it has, and they're not outperforming against the market.\n\nAs much as you could hold that investment and wait for it to come back and recover, I don't think they're gonna recover in a hurry. One of their underlying investments, Corporate Traveler, actually came out to the market and had been a bit dishonest, which meant that Bennelong had to reevaluate that investment. That investment is now on a trading halt, and it's being audited and investigated for what it for the what they essentially did. So it means that because of the trading call, Van Along can't remove corporate travelers from their investment profile, but we can get you out of Van Along. So I would like to move that nice and quickly and get that out of your portfolio.\n\nIt does unfortunately mean that we would be cementing the drop or the loss that that investment has seen, but it also is probably better to get rid of it now rather than let it go down even further and, you know, have to cement a much greater loss. Essentially, when we sort of look at this, it's about deciding whether we hold an investment for longer and wait for it to come out the other side, or do we cut the losses now, remove it from the portfolio knowing we can put you into something that's probably performing better and make that money back a little bit quicker for you? Does that make sense? Yeah. Yeah.\n\nSo my decision is I would love to get you out of that. I don't wanna force you into it. If you wanna sort of hold on a bit longer and sort of see how it is in a few months, you absolutely can. But I would love to update the advice now and get that out of your portfolio and just maybe look at updating your portfolio as well because, you know, investments that have had a great track record in past may not be as good now. Also, the Bandit property is a little bit down.\n\nThat is due to your property having a bit of a fallback in the market with the changes that have just been legislated. Property is having a little bit of a fallback at the moment, and we are seeing a bit of decline in that. So it might also be worth getting removing the property investment from there and looking to diversify in other ways. China is still a good investment, has performed not bad, but China still has quite some high tensions out there at the moment with a lot of the allied countries. I would sort of rather be looking to get rid of China as well because it's meant to be more of a growth investment.\n\nIt's what it's called a themed investment or a themed thematic ETF, and it's put into your portfolio to try and get greater growth. This hasn't been able to do that, and a 3% return for an investment that's supposed to be seeing a much higher rate of return isn't really preferable, and it sort of shows that China's having a bit of issues at the moment as well. So I would probably like to remove those three investments out of your portfolio and look to maybe move the money into something performing a little bit better for you and just update your portfolio as a whole. Does that sound okay, and do you have any questions? That's okay?\n\nBeautiful. The bank hybrids you have in here as well, they are a defensive investment. They are really great to have income producing. I do wanna look at moving them as well just because the government's phasing those out in a couple of years. So one of the big things with bank hybrids is they're more of a complex investment.\n\nSo it's a bit like bonds. You're putting money into the banks. They're utilizing that money to lend out, and they're giving you income payments or coupon payments back. Bank hybrids are exactly the same as bonds in that sort of aspect, but they're also traded on the ASX. So they get a bit of growth as well as income producing.\n\nThey are seen as defensive because they're expecting a lower rate of return, and they are seen as safer or lower risk than ETFs and other investments or growth investments. However, the government has made a decision in recent months that they're gonna phase these out by 2028. So, realistically, if I'm gonna be making some changes to your portfolio now, removing some of the investors, we are best to maybe remove that as well rather than hold on to the bank hybrid. And then in 2028, we have to move them quickly and find something else a bit faster for you. Okay?\n\nBeautiful. Do you have any questions? You're welcome to let me know if you do. Yes. Yeah.\n\nYep. Yep. No. No. Definitely not.\n\nI've started moving most of most of the clients out of that one, so there has been some pretty significant sell off, and that will probably just continue. So I definitely would like to move you out of that and look at something a bit better. There are different ways to have yeah. Sure. You're right.\n\nMhmm. Yeah. That's a really good question. I like it. So, essentially, what we're looking for is ways to diversify your portfolio.\n\nSo, realistically, having, you know, this many investments in there is preferable. By looking to move Benelong, the BankHybrid, the China, and probably the Banak property as well, I would not just move them and move the money into the other investments. I would look at ways to replace those. So to give you a bit of an example, by moving Van Along, which currently has about 15 to 25 different investment options within that fund, I would be looking to try and build greater diversification for you. So you've also got the keywords, which is more Australian equities.\n\nSo it's the beta shares Raffi 200. It's the it's got the ticket code QoS, QOZed. Yep. So that's also giving you access to 200 of the companies on the ASX. What we have been looking to do is to provide greater diversification.\n\nSo removing some of the old investments and maybe putting you into, say, the a 200, which gives you exposure to the top 200 companies on this day in stock market, but attracts the top 200 companies. By doing that, similar to the S and P 500, those sorts of index funds, while they are lower risk, you can still have your high growth portfolio, still have that high risk exposure, but within that, trying to lower, you know, risk and provide greater diversification and also making sure we're tracking as many different investors as as diversification and also making sure we're tracking as many different investments as as possible. So with sort of some of the newer portfolios that we're sort of putting people into, we're looking to make sure we have as much diversification as possible. We're looking at anywhere from six to eight different investment options, sometimes nine, depending on what we're moving into. We're looking at exposure globally for the whole world.\n\nSome of the portfolios that we've been using actually incorporate an all world index. That way, we're not just picking, you know, China or The US or Australia or India. We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future. We also keep The US exposure in there as well, and we also keep some separate Australian exposure in there as well. So it's about just making sure that you've got a good diversification.\n\nBack in the day, back when I first started in this industry, advisers used to advise and put, you know, individual companies in it. So you might see CBA, Westpac, you know, BHP, but those portfolios had to have 50 or 60 different individual companies to give them diversification. We can essentially create that same diversification by having anywhere from five to 10 different investment options in a portfolio. When we are looking at those, we factor in cost. One of the big ones to factor in is CDP because just like you, your super fund does a tax return every year.\n\nSo whenever there is buying and selling of investments or investment switching going on, your super fund has to account for capital gains. So when we research what we're gonna move out of the portfolio, what we're gonna replace that with, we look at what the capital gains consequences would be for your super fund. We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money. I've been trying to build portfolios at a much lower costing to save on investment fees. And then you've got administration fees as well, which is the platform fees for Hub 24 and their administration of that platform.\n\nSo it's about making sure you've got a good diversified range of investments, making sure you've got asset allocations in Australia, The US. Japan's been really good lately, and also parts of Asia as well. But then also making sure there's some global exposure in there. Physical gold has been at a thirty year high over the past few months. We have definitely been keeping physical gold in there.\n\nI know in February, it took a massive dive of 18%, and most raised in the last week or so, it has had a little bit of a dip there as well. But physical gold is still a good investment to have. It is a growth investment, but it's also defensive in nature. So when you kind of think back to, like, the DSP or even COVID, when equities are seeing it very much a down point, people take money out of their portfolio and pop it in the gold and the safe haven. So it works both ways.\n\nIt is a growth asset, but it does work defensively as well. So we do like to have physical gold in there. And then cybersecurity has taken a bit of a hit this year. Your portfolio has stayed up over 15%, which is fantastic. But with what's happening between The US and Iran, cybersecurity has had a little bit of a sell off, so it's down a bit at the moment.\n\nBut I do see that as still an important place to see investments. Because moving forward, we're all online. We do a lot of things online, and, you know, making sure we protect all of that is a really big place. And governments are just being throwing money in those areas over the last couple of years and will continue to do so, especially with all the the hacking scandals we've had, all the issues we've had with tech companies and things like that. So protecting our privacy is very much one of the larger issues.\n\nSo I do see hack and cybersecurity as a good place to remain invested. So, realistically, just off the top of my head, I would be looking to replace about four of those investments, maybe five of them, and, you know, sort of readjust the portfolio. I can see a way we can make it a bit cheaper, make sure it has been performing really well, increase your diversification across the portfolio to help lower the overall risk of the portfolio, but also keep within that high growth environment so you are still, you know, obtaining good returns moving forward. Does that make sense? Yep.\n\nPerfect. Do you have any questions about any of that? Please let me know if you do. No. Yeah.\n\nYeah. Excellent. Excellent. So there are definitely some things to do here. I would love to, you know, go back and reassess the the portfolio for you.\n\nEssentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances. We'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be. Does that sound okay? Yep. Fantastic.\n\nExcellent. Excellent. Sorry. Always stop me. I get a little bit excited talking about super insurances.\n\nI'm a little bit insane. So feel free to just stop me and ask questions or go, hang on, Dana. I don't understand. I just you break that down a bit more for me. Yeah.\n\nIt's okay. Yeah. Yeah. The child trauma policies? Yep.\n\nYes. Yep. Absolutely. How did you sort of feel about the trauma policy we recommended for yourself as well? There was also that trauma policy for a hundred and twenty thousand of trauma, and we'd also link that to a bit of life cover held outside of the state for for the difference in benefits and to make it cheaper as well.\n\nDo you remember that recommendation? You're right. Random race. Mhmm. Yes.\n\nYes. Yes. Yes. Yes. Yeah.\n\nAbsolutely. It's trauma reinstatement. You you are on the ball. Exactly. So with the trauma yeah.\n\nSo with the trauma policy, essentially, if you were diagnosed with cancer, it would pay out the lump sum benefit of the 120,000 recommended, and then it normally takes a couple of months. They normally give you twelve months. At that twelve month period, so long as you've got the trauma reinstatement option, they reinstate that trauma policy. They normally don't cover you for the same thing. So say if you had, you know, lung cancer and you claimed on that and then the lung cancer kinda came back or increased, they wouldn't repay for the same thing.\n\nBut then if you got breast cancer or, say, brain cancer or you had a stroke afterwards, then once that reinstatement is in place, you can then claim on that 120,000 again. They normally limit that to two reinstatement, but we can always look at making it more if you wanted to try and make that more. That is an optional extra that does cost more. So the more reinstatements we apply to those they allow, the more that part of the policy or the more that option does cost. But it is a good thing to have.\n\nI personally don't think having trauma is worth it if you don't have the reinstatement just because claiming for one thing is all well and good, but then, you know, that then it's all gone. You kind of wanna be able to utilize it to the best of your advantage, as sad as that sounds when it comes to insurances. But, you know, trying to take the most get the most out of your cover is really important because the biggest risk we have with insurances is that we pay all this money for premiums, and then we get to 60 or 65, and they're canceled or they expire, and we've never claimed on them. And that's probably the best and worst case scenario. It's the biggest risk because we've paid out all this money for insurance that we've never claimed on.\n\nThe best case scenario because it means we haven't lost something. We do do a lot of advice for clients to go through claims and do get really great payouts to, you know, to look at what to do. However, to claim on insurance, it means you've lost something. For life insurance, you know, someone's passed away or terminally ill for trauma, there's been a cancer diagnosed through a stroke or something. The income protection, someone's unable to go to work, and income protection is good to kinda cover you for that.\n\nBut a lot of people who are on long term income protection claims, like, two years plus, they end up they can end up being a lot of mental health effects that come from that because they're not able to get back to work, and they're just sort of sitting around hoping it's gonna be okay and going through rehabilitation or going through treatment and going to the doctors all the time. And that sort of thing really plays badly on their mental health. So it's kind of one of those insurances is kind of one of those tax 22. You kind of wanna have it to make sure that in the event something happens, we can claim them. We've got that to fall back on, but at the same time, if we do claim, it's because we've lost something.\n\nSomething's happened to us or we've you know? On the upside, we get a lot of money for doing so. So it's kind of one of those tax 22 that's a good and bad scenario. So, yeah, but did you want me to look at the trauma aspect again for yourself, or is it more just the child trauma that's important to you at the moment? What kind of what did you want me to look at?\n\nMhmm. Yep. Yep. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYou're right. We had some life cover added to it. So the first policy was increasing your life TPD to a million dollars and then adding income protection to cover 70% of your income based on a weight of a 145,000 per annum, and that was all paid out of the super fund. Then the second policy was to cover you for a 120,000 of trauma, and we linked the same amount of life cover to that because life cover paid outside of super also provides the funeral benefit With ClearView, if with having that life cover outside of super, if you were to pass away, your beneficiaries can claim up to 25,000 as a one off lump sum whilst they're going through the claim process for that life cover, and it's called an immediate expense or a funeral benefit. They pay that money down so that the funeral can be paid for so the other expenditure can be looked after in the short term whilst they're going through that life insurance claim.\n\nAnd we had linked that to the trauma policy with the same sum insured of 120,000. And then the third policy was the child trauma policy, so 100,000 for each of your kids in the event they're diagnosed with a major traumatic condition. Yeah. Yeah. Okay.\n\nBeautiful. Yeah. Yep. Is so you would want do you yeah. Yeah.\n\nThe life and tape a day. Yeah. Yeah. Well, we can talk it through. So with yeah.\n\nSo life cover is if you pass away. Correct. TPD is a little bit more. Yeah, TBD is more if you're diagnosed with a major like a major disability and you're unable to ever go back to work again. The thing with TBD is that it's taxed, and I don't agree with this in any way, shape, or form.\n\nI think it's disgusting. But with TBD, if you're it is. If you're under the age of 60 and you claim TBD and it is successful, we can also release your super, the same as your life benefit, but it means that that is taxed, and the tax is up to 22%, which is disgusting. I think that's horrible. The last thing they should be doing, if you can't get back to work due to a a disability like that and you're never going back to work, then the last thing the government should be doing is taxing that.\n\nBut, yes, it is unfortunately taxed. It yes. That's okay. Correct. Yeah.\n\nThe good thing is, as advisers, there are things that we can do. So if you were to claim CBD, we would provide advice on how to use the funds. We can move the money from super fund to super fund to get little tax uplift and to, you know, increase the tax free benefit. We can also keep the money invested and draw out smaller increments or smaller lump sum, And there is this crazy math equation they do to work out the tax, so it could also be less than the 22%. We just have to go on the highest marginal tax rate for that side of things.\n\nBut, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying. It's horrible. I don't like that in any way, table form. Yeah. Yeah.\n\nBut your you said your mortgage is quite small at the moment. How much is your mortgage? Because I had $3.75 last time. Okay. No.\n\nYou're fine. Mhmm. Yep. Yep. Okay.\n\nPerfect. Yes. Yep. Yes. Yep.\n\nYep. That's correct. Perfect. Perfect. Excellent.\n\nLovely. So, realistically, with having that extra money sitting in there, your mortgage is quite low. If you look at the MetLife insurance policy, the specific other currency you have there at the moment, with your wife and TPD, you're currently at the sum insured of 863,000. So with your super balance, to give you an idea, $8.63 $2.05 8. If you were to pass away today, your super balance of $1.83 $7.90 and 14¢ plus your MetLife life insurance, you actually technically have about a million and 47,000.\n\nCorrect. Yeah. Yep. Yep. Correct.\n\nYeah. Yeah. Correct. You do. Yes.\n\nYep. No. That's okay. If if we look at it to make it a bit easier for you, if we look at the the the life cover and your super balance, you've got over 1,000,047 there. If we then subtract off your mortgage, which you could yeah.\n\nYou would be paid out, that leaves about $789,048.14. That could go to your beneficiaries. Now have you look at that. We originally noted that you wanted that to be your children. Is that right?\n\nYes. And they're both of school age. They're quite young. Yes. In the so I'm not sure how your circumstances work, but in the advice document last year, one of the things I had in there was the beneficiary side of it.\n\nSo when children receive money as a as a beneficiary, if they're under the age of 18 or financial dependent, they actually don't receive the money up front. So if you would have passed away today and the mortgage was paid out, that 789,000 was then available, they don't split that $50.50 and give it to your minor children. It actually gets given to or passed through the guardian, so whoever is the guardian of the children in the event that you passed. So it could be, you know, their biological father or a sister or brother or someone else. That then is up to them.\n\nYeah. You're right. Yeah. Yeah. Mhmm.\n\nOkay. Yep. Yep. Yes. Yep.\n\nAnd that's absolutely fine. So with mine, I I'm in a very similar situation. So I had two children to my first husband, and he couldn't keep a dollar if it was, I don't know, for anything. He was shuffled with money. When we divorced and he didn't want anything to do with us, I made it so because in the event of me passing, my two elder children would still have to go back to him.\n\nSo I stopped him from getting access to money through my will by making that my sister and my current husband's sister as joint executives and joint trustees of a trust. So all money goes into a trust. He has to ask them for money, and they have to sign off to make sure it goes to the children. My third child is with my current husband, and he will still have that child. So it was kind of that making sure that my children could stay as close together as possible whilst understanding the rules, but making sure my ex husband got no money whatsoever, making sure that anything I had would be looked after.\n\nYeah. Sorry. Yeah. Yeah. Yes.\n\nAnd that's probably the step that's really important to make sure that's updated in your will is what happens when that money gets into the estate, how is it then distributed? Does it go into a trust and be held in a trust to be distributed to your kids at a certain time, at a certain age? Is it distributed to, you know, your sister or your parents to, you know, look after your children? That kind of direction is really important because that governs exactly how that money is to be distributed to your children and at what age and at what portion, essentially. Yeah.\n\nSure. Honest that's okay. Yeah. The best thing to do for yeah. Yep.\n\nNo. That's okay. So the best thing to do when it comes to the state planning side of things is we always recommend beneficiaries, and then we recommend how to, you know, to speak to a solicitor and how to know what to do there. But as a solicitor, a lawyer is the best person to talk to about your will and a testamentary trust, which is a deceased trust. Accountants do living trust for self managed super funds and family trust and things like that, and that's great.\n\nBut when it comes to the deceased estate side of things and the estate planning, I would always speak to a solicitor because they understand the estate law. They understand the legislation around that, and they can help you to structure your beneficiary nominations in the best way to incorporate what you need to do. It does cost more to have it done that way, but I've always felt as the most it's the most valuable yeah. I think it cost me $2,500 to have my will drawn up correctly, and it was honestly the best $2 I've ever spent. I walked away knowing that my kids were looked after, that everything was done, and that if anyone came out to contest my will, a judge would look at them and go, you're insane.\n\nThat's not gonna happen. This this is going to kids. So that was kind of why I found that really, really beneficial. So we always recommend on your beneficiary nominations, but then when it comes to estate planning, we recommend you set up a will and power attorney and guardianship, but we recommend you speak to a solicitor to do that. That way, you're getting it done correctly.\n\nYeah. Yeah. Easy. And with the with the advice document if you want, what I'll do is I'll download this advice document that I sent in January. It has expired now, so I can always update the new one for you.\n\nBut I I can resend this to you so you can have a look at what we had recommended, the reasoning behind it, and that way you can ask any additional questions you have. And it's still good it's still good to go through and have a read and look at what was recommended last time for you. Is that okay? Yes. Beautiful.\n\nExcellent. So with the new advice piece now, did you want me to I'll do the super and look at switching the investments for you. I'll look at you want me to do the child trauma again for you as well? Yep. And we had a 100,000 for each child.\n\nDo you feel like that's still okay and appropriate? Yep. Absolutely. And did you want me to still look at the trauma policy for yourself? The 120 of trauma and life outside is super?\n\nYes. That's absolutely fine. I think one of the biggest differences and the reason we sort of link it to, a, you get that funeral benefit, which you don't get paid out of when you hold life cover inside super, you don't get those extra benefits of having the upfront cost paid out. The the other side of that was it made the policy cheaper. The trauma health by itself as a standalone policy, whilst it doesn't normally cost very much, having a little bit of life linked to that trauma policy does give you that out of pocket cover, the funeral cover, but it also makes the trauma policy cheaper as well.\n\nI can look at both options and see which. You're right. Sorry. Yeah. Yep.\n\nNo. I would probably keep it as is. It's just an x. Yeah, it's just an extra little bit of life. I mean, you've already got a million and 47 there.\n\nIt just means in the event of passing, there's an extra 120,000 that's paid out to your estate, which could cover, you know, additional loans if you have a car loan to pay out, more credit cards to pay out, or if your home loan increases a little bit there as well, there's an extra sort of buffer to pay out. You don't have to. I can just do trauma by itself if you would like to. I normally link them because it does make it cheaper. Anything that we're paying out of pocket, if we can, you know, limit the cost as much as possible, that's always a good thing.\n\nAnd these insurances, they're steps premiums. So they do get more and more expensive as you get older because the risk of you making a claim increases. Yeah. Yeah. If you like, I could make the the recommendation.\n\nThese are just recommendations. I can show you the recommendations again as a whole advice page. And on the very last page of the advice document, we always put down, like, a multiline. It's just a text box. And if there's any part of the recommendation you don't wanna go ahead with, you can always just write that in there, and we just won't go ahead with that recommendation.\n\nI could look to recommend the life and trauma policy and show you the cost of that. And then in the appendices, just put the trauma policy stand alone so you can take the two options together and sort of make up your mind as to which one's better for you. Does that sound okay? Yep. Perfect.\n\nTrauma. Beautiful. And with the income protection, you sort of said that you weren't too worried about the income protection side of things at the moment. Did you wanna kinda revisit that, or are you happy without it? Or yep.\n\nYep. Yep. That's okay. What I'll do is I'll do the income protection. You don't wanna increase the life and pay today to 1,000,000.\n\nYou're happy with this cover amount we have at the moment, aren't you? Yep. Yep. Beautiful. I'll add the income protection into the recommendation and then just to sort of show you the difference.\n\nAnd then you've also you can all you can see on this to the occurrence of the cost of it currently, so you can sort of see what it increases by. Because the income protection is paid inside super, that's obviously effect has an effect on the projected outcome. So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy. So you can kinda see the difference between the projected outcome with both. Is that alright?\n\nDoes that sound okay? Yep. Beautiful. It kinda just gives you options to see what I'm recommending, how this meets your goal, but then in the appendices, the additional research there. So, you know, what it looks like if you don't take the income protection, you know, how that's projected forward over the next five to ten years, the trauma policy by itself.\n\nSo you can kinda weigh up the cost and work out what's better for you. Okay. Fantastic. Excellent. Other than that, with the the recommendations for the beneficiary side of things, in the last advice document, we had recommended that you set up your your beneficiaries as legal personal representative because you wanted everything to be split between your two children.\n\nI will probably keep that recommendation exactly the same because that just means if you pass away, your life benefit and your super is paid direct to your estate. That way, everything can be incorporated into your will, and that way it's all sort of directed out to your children as per your wishes. Do you have any sort of questions or concerns about that kind of recommendation with the beneficiaries at all? Or yeah. It's a legal personal representative.\n\nSo on your benefit renomination, they have a tick box called the LPR or legal personal representative, and that essentially means that in the event of you passing, your super and your life proceeds are just directed straight to your estate. They're not directed to any particular person. It just goes to your estate. It gets lumped in with all everything else, your house, your car, your savings account, and the executor of your will goes about doing a final tax return. They pay out any debts that need you to pay out, and then they distribute the funds amongst your beneficiaries.\n\nAnd having legal personal representative just means that your super annual life benefits are all incorporated into your will. It's basically directing it all through your will. Does that make sense? Yep. Mhmm.\n\nIt would. Yeah. Yeah. Yeah. We just have that updated to replace that.\n\nBecause at the moment, with it being your two children, if if you were to pass away, the because they can't they're not over 18, they can't actually make the claim. So whoever's their guardian would have come and make the claim on their behalf, but then the money gets paid to the guardian or the guardian to split up to the children. So it does mean that there's a lot more discrepancy if the guardian didn't spend the money correctly or use it or give it to the children or invest it for them. You know, that that can happen and does happen quite a lot. You know, money families always work really well until there's money involved, and then we sort of see lots of things coming out and happening.\n\nSo it's always good to protect everyone. Yeah. Easy. So I will update this advice for you. Now I do not want this to take any longer than it needs to.\n\nSo I'm gonna book you in to have this presented in about three weeks. Are you okay with that? Yep. Beautiful. That way, you've got a bit of a deadline.\n\nAs I said, I'm trying once you go and clean all of this up, I don't want things to take as long as they did last year. So I'm making sure that everyone has a little spot in there to be booked in so that there's a deadline for our team to have everything ready. So three weeks, that brings us to my goodness. August. One, two, three.\n\nThat brings us to the August 13. Wow. What day normally suits you better? I work Monday or Thursday. Technically don't work Friday, but if you only do Fridays, I will absolutely present Friday.\n\nIt's not a problem at all. Okay. Okay. Yes. That's okay.\n\nAbsolutely. So Thursday is my late day. It does, unfortunately, look like I am pretty well booked out on that for the next six weeks, but I'm going to do it for you on the Wednesday. So, the Wednesday, the nineteenth. It does mean it's four weeks away, but the Wednesday, the fourteenth, I can do a late as well, and I'll pop it in there.\n\nDid you want sort of four, five, or six? What time suits you better on the Wednesday for the late? Yeah. Or it's only a Thursday sort of preferred the the late yeah. Okay.\n\nSorry. Yep. Yeah. Yep. That's okay.\n\nNot a problem at all. I'll book it out for two hours. That way, if anything comes up and you need a little bit more time or you need to push it back, that way you've got plenty of time there. So that'll be the nineteenth. It is four weeks away, but I've got that booked in there for you.\n\nBeautiful. Did you want me to send you the invite as well or just an email with the confirmation date and time so you can block your calendar out as well? Yep. Perfect. That's okay.\n\nNot a problem at all. Beautiful. Excellent. So that's all booked in. I've got a really good idea of where we're gonna go with the advice, which is fantastic.\n\nI just wanted to update a couple of additional things with regard to your back line. I know Sammy went through and updated as much as possible. I've got your income. So they're looking at a 155,000 to focus on the income protection side of things. Your salary sacrifice, your oh, so sorry about that.\n\nMy apologies. Have you gone? No. You're fine. One six five.\n\nNo. That's okay. Good thing we clarified that. Salary sacrifice, we're still doing $200 on a fortnightly basis. You're happy discontinuing that.\n\nYou didn't want us to look at increasing or altering that at all? No? Nope. That's okay. Dedicated savings.\n\nAre you finding that you've got some dedicated savings every week out of your income that you are able to put away, or are you finding it's a bit harder expenditure wise? Yep. 750 a fortnight. Beautiful. There we go.\n\nExcellent. Okay. Yep. That's perfect. And then I've got your share portfolio here.\n\nThat was about 32,000 in value last time. Has that increased a little bit since then? Oh, fantastic. 37,000. Fantastic.\n\nI've got your vehicle, the Santa Hyundai Santa Fe, valued at about 35,000. What's the value? Would you put on that now, do you think? Yep. Yep.\n\nYep. That's okay. Perfect. And then content evaluation at 250,000. Would you keep that the same?\n\nYes. Yep. Perfect. I've got all the other details here. Absolutely fine.\n\nJust double checking with because I'm sort of looking at the the insurance side of things again. I just wanted to clarify that being no major changes in your health since we've last done a pre assessment with you. Just sort of clarifying that oh, good. The only thing I have noticed he sorry. Right.\n\nOh, wow. Okay. Yes. Yep. Yes.\n\nOkay. Yes. Perfect. Excellent. And when was your last checkup to have the moles checked?\n\nJune? This year? Beautiful. Twenty third. Beautiful.\n\nAwesome. Thank you so much for that. Lovely. I'll just make sure that we're double checking everything so that in the advice, they'll keep the same as last time. We can kind of outline what's expected when it comes to, you know, the policy and writing the insurances to see get an idea of what the expectation might be.\n\nEasy. Everything's looking really good. I just also wanted to do a quick risk profile questionnaire as well. So I've answered most of these questions because, realistically, you've got shares already in your own name, and with Super, you can't access that until at least 60 at the moment. In the next sort of twelve months, if we saw the markets fall by 20% due to what was happening globally, how do you think that might make you feel?\n\nAre you wanting to put more money in, take advantage of the downtime? Are you likely to hold and wait and call us, or are you a bit nervous and wanting to cement those losses? How do you think you might be feeling? Yep. Beautiful.\n\nExcellent. The other one here and and I'm one of the things you told, Tammy, was that you were looking at maybe, you know, trying to look at other strategies like, sorry, debt recycling. Is that something you're still sort of planning to look at doing? Or Mhmm. Mhmm.\n\nYes. Yes. Yes. Yep. Yes.\n\nYep. Yep. Yeah. Absolutely. So debt recycling is very much a long term strategy.\n\nI do advise on it. It is a very complex strategy to take on. It is technically a form of gearing because you are using money that you have borrowed to invest. Have you looked at how the sort of strategy works? Do you understand much about it and how it actually works?\n\nJust to find out. That's okay. Mhmm. Yep. Yes.\n\nYep. Yep. That's right. Yeah. So with the yeah.\n\nSo there's one of two ways of doing it to start with is that you can utilize and borrow more against equity. So you release some of the equity in your property. Say, they normally like between sort of 50 to a 100,000 to start because you get much better tax advantages that way, or you can be paying down more onto your loan. That either the equity release or if you pay more onto the loan, you need to split that off from your main loan. So you end up with a secondary investment loan.\n\nIf you put, say, 50 or 60,000 onto your actual mortgage, that is redrawn off, and the loan is split. So they have to split the loan so you have a separate 50 or $60,000 loan, and that money has to be physically redrawn off your mortgage. That way, it is used for investing purposes. With equity release, they do have a separate equity loan. That money is, again, withdrawn off the loan.\n\nIt has to be put onto the actual home loan then redrawn off for it to work. Then we invest that in a portfolio very similar to what you've got in your super debt into shared portfolio. That money is sitting there. We can do it one of two ways, is we can have the income drawn out of the investment portfolio on a regular basis, and that gets paid into your main primary loan. You're actually paying back the interest and the principal if it's the loan set up that way on the investment side of things, but you're still paying back your nondeductible loan for your main primary mortgage debt.\n\nThe the income and the growth is then taken or whatever you get. So say you've got a, you know, 10% return for that year, the 10% difference on the growth in the income from your investment loan or from your investment is deducted and put onto your main primary residence, and then the whole process starts again. You then split that loan, and then that money gets invested, and the same thing happens again. And it's essentially a cycle. It happens every 12 months.\n\nI have in the past worked that that income is just taken directly out of the investment and put straight onto the main primary residence line because then you see income being paid out regularly. It can happen every 12 months. We like it to happen every 12 months, but times with market ups and downs, it means that you can't split the second part of the loan or chain or do the next part of the cycle for one or two or three years. There is always a risk that when markets are down or not performing as well, that the rate of return you're receiving in the portfolio is less than you're paying on the actual loans itself as well, so you end up paying more in interest. That is a risk to it.\n\nYeah. And it's it's definitely a long term strategy. So I know some advisers out there try to do it in three or four or five years. I personally like to be more conservative with projecting, and I know the risks and understand markets quite well. So I know that markets do have downtime.\n\nSo I do like to do it over more of a ten to twenty year period. It is more it is more conservative that way. You can pay the loan down a lot faster if markets perform better, but it's just more of a realistic understanding that markets don't always have good years. Generally, every seven to ten years, we do expect a big negative drop. And if we think back to the GFC, that was a huge drop of around 60% in the market, but it took six to seven years for the market to recover from that.\n\nSo it is a realistic view of investing, but debt recycling is a great strategy. It doesn't pay the your main primary residence off any faster. It just changes your your loan structure. So it goes from being a non tax deductible debt into a tax deductible debt depending on what happens at the end of that loan. Some people prefer to take the principal out and pay the loan off completely and keep, you know, the investment open with whatever growth and income they've received.\n\nOther people prefer to just kinda keep it open permanently. It just sort of comes down to what your goals are and how that strategy works best for you. The other option is obviously buying an investment property. I know with the changes in what's happened over the past couple of months, as of June, it does make it a little bit harder. We still can utilize negative gearing if you are looking at purchasing a brand new residence.\n\nSo if you buy a new home and it's built, you can still utilize negative gearing moving forward. And, I mean, with the new changes, I don't a 100% hate them. I did read through the legislation when it came out, and, realistically, it's not a bad strategy. It's not a bad structure. It just means that if you're looking to say and I'm finding this is probably changing a lot of the way investors think about property because property does grow at a pretty significant rate over longer term.\n\nSo I have got a few clients who are now looking at just holding properties for, say, the next five, ten, twenty years, getting to retirement and selling that off. And if it's not a new build with the with the negative gearing not being a factor anymore, they essentially make your loan continuously neutrally geared. So if you, you know, earn income from the property of 20,000 and your expenditures are 30,000, they make it neutrally geared on your tax return, so your expenses are no more than 20,000. And the extra 10,000 is, you know, capital set. It's held.\n\nYou know? The losses just continuously build until you sell the property, and then they subtract any previous losses off the gain. So it can reduce your capital gain at the end of it. It's actually not bad. Yeah.\n\nYeah. So it's it's essentially a difference no. It's that it's honestly not. I promise you. It's definitely not.\n\nIt's the difference between what you earn in income from the property versus what you're expenditure is. So when you think about property, your income is the rent you receive from that property. Your expenditure is everything you spend on that. So with the the loan you have for the property, the the principal you pay back is not tax deductible, but the interest is. So you can claim the interest you're paying back on the loan, the management fees if you have a real estate agent looking after the management of it, your insurance is on the property, your council rates on the property, if you have someone come and mow the lawn once or twice a week, if you, you know, have to replace things, if you get a painter to come in and do things, if you have to fix the water heater or get, you know, solar panels and things on the property, any maintenance of things that you do to the property, all of that is considered your expenditure, your water bills, if it's, you know, a raised any home and you pay water.\n\nEverything you pay on the property is essentially your expenses. If your expenditure is less than you're making an income, you've essentially made a loss for that year. At the yeah. At the moment, we can claim that loss against our income, and it reduces our taxable income. As of the July 1 year, that will unfortunately not be the case for anyone who's purchased property after the May 12 at 07:30PM this year.\n\nAt yeah. May 12. So what'll happen then Yeah. That's correct. Let's say you had a $10,000 loss every year.\n\nAs much as on your tax return, you're not getting that advantage direct that year, that 10,000 loss continues to it just stays continuously. It adds up. So, say, over ten years, you had a $10,000 loss. It's a $100,000. When you just go to sell that property, you work out your capital gain, and then you subtract the loss from that.\n\nSo it reduces your capital gain, which is not a bad structure. It means that you end up paying less DGT tax at the end of it as well, which isn't a bad structure. I've had a lot of people go, are you serious when I say that? But after, like, going through and reading the legislation, I don't hate it entirely. If you were to buy a brand new build, you still get access to the negative gearing.\n\nSo if you found, you know, someone who's building a property and house and land packages are often a lot cheaper than buying a new house anyway, So buying a a current house anyway. So, you know, if you found something like that, that would be a good option. We can definitely provide advice around it. We don't find the property for you. That's more of a prop like, a buyer's agent.\n\nWe do have access and can, you know, refer you through to a buyer's agent. They normally charge about 10,000 to help find you the property. But, yeah, if it's something you wanted to look at, I would essentially look at your goals, what you're wanting to do long term, whether you're wanting to hold property, whether you're wanting to pay down your mortgage, what your goals are, and then build a strategy that works for you, whether it'd be holding property right to retirement, paying the mortgage down, and then living off the income to supplement super, or whether we hold property, look at how much it's been growing, sell it off, cement the gain, and, you know, you would use the money in retirement some other way. We can definitely provide advice in that area. It just comes down to what your goals are as to what the strategy is that works for you.\n\nWhen the other thing I do have to be mindful of as an adviser is the income tax act. So I can't provide advice solely for the purpose of reducing tax. It is unfortunately section four a of the Income Tax Assessment Act 1936 and 1977, where if we provide advice your goal is solely to reduce tax, it seems a tax avoidance issue. So what I would want to make sure is that you have a goal, that your goal is essentially whether you want to supplement super in retirement or whether you just wanna build wealth now and sell it off to, you know, have extra money in retirement to boost your super or, you know, have a have a house and pass it down to your children as estate planning. So the side of thing, it's just about working out what your goal is and which which strategy works best in line for you there, whether it is, you know, to invest and build wealth now, not worrying about paying down your mortgage, but changing your debt so it's more tax effective for you and building wealth that way in the shorter term, then, you know, debt recycling could be a way to go there.\n\nSo there are definitely strategies that we can help you with. I love doing things like that. They are more complex. When it comes to fee structure, I don't wanna sugarcoat anything. I wanna make sure you have all the information there.\n\nWith the fee structure, you pay the 1.65% for us to look after your super, but advice fees have to meet a sole purpose tax. So when it comes to advice outside of super, investments, we do also charge an implementation fee, especially for debt recycling, an implementation fee for going through the advice for that one. And I've actually got that here because we've actually just gone through and reupdated these. The implementation fee would be 2,200, especially for debt recycling, and that would have to be signed as per a letter of engagement. And then for having the investment set up and investing the funds and monitoring it, we do charge 1.65% out of the investment for the ongoing monitoring maintenance of the investment account as well.\n\nSo just so you're fully aware and you understand that there is a there are fees for the extra advice, especially outside of Super because we can't charge we can't charge you inside of Super for advice outside of Super. It doesn't meet the sole purpose test, and they don't allow us to do it that way. But is this something I wanted to make sure you're fully aware of, that I'm being you know, fully disclosed so you can take that away and understand that and work out what your goals are? And then let me know what you wanna do, what you you know, when you wanna have more of a conversation, and we can absolutely look at what's happening for you. Perfect.\n\nDo you have any questions? I'm sorry. I've touched on a lot. Yes? Oh, good.\n\nIt is a lot to go through. Did you want me to send you any kind of recap emails there or any anything with yep. No worries at all. Yeah. Yeah.\n\nYes. Yeah. Yeah. Absolutely. Not a problem at all.\n\nI'll do that for you now. I do have the updated financial services guide, which they are releasing, which has all of that in there. So I will get a copy of that to attach to that doc to the email so you can sort of see that and run your eyes over it. It outlines the fee structure, how it works, and the different fees for the different areas of advice that we advise on, especially outside of Super. Next year, they are updating our fee structure to be more of a tiered structure.\n\nSo, essentially, at the moment, the fees are 1.65% inside super and investment, and they're capped at 600,000. Moving forward, they will be more of a key structure. So when your balance hits 600,000, the fees stay on, but the the actual percentage decreases. That is not happening this year. That's happening as of next year.\n\nSo the ongoing service agreement you have attached there is the same as it has been for the last couple of years. And when that fee structure is fully updated and we have your next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that. But as I just wanna kind of because everything's kinda changing at the moment, I just wanted to make sure that I'm open and letting you know, you know, things are changing. Things things are happening, but this is what you're up for now. And it's reviewable, and you're never locked into a contract either.\n\nSo if you decide that you're unhappy with everything, I haven't lived up the expectation, you can say, Dana, I'm done. I'm out, and I will turn the fees off. I'll help you roll out to wherever you wanna be, and I'll thank you for your time. And, you know, we'll we'll go from there. But I just want to make sure I touched on everything that is important to you, answered the questions.\n\nIf I haven't answered anything to your standard, please let me know because I'd love to make sure that I'm doing everything right by you, and I do wanna make sure I've catch up with her. Moving forward, would you like catch up more every month of your three months or six months? What's preferable for you moving forward? Yep. Absolutely.\n\nYeah. Absolutely. Yeah. Yep. Yeah.\n\nYeah. Absolutely. No. That's absolutely fine. Not a problem at all.\n\nWell, just with the goal for super so I can sort of project that forward for you and look at it. In the advice document, I know back when they did the original advice document, you were given essentially twenty year projection. I don't do that. I stop at five or ten years. But in the back end, I do project things out even further.\n\nIt's just about making sure we're not providing because rates of returns change, and I don't like the idea of telling you you're gonna have $6,000,000 in retirement when you're probably actually gonna not because markets go up and down, and we do see very large dips in the market in the short term. So it's about just making sure that I'm giving you a conservative projection and keeping you on track. I would like to underperform and make sure your projected your actual outcome is better. So I will project that in the back end for you, but the advice document shows sort of five and ten years to make sure that we're not doing anything crazy. I think also when it comes to advice documents, don't let people to project out, you know, thirty years down the track because it's not always it inflates the projections pretty heavily, especially when the performances you know, certain investment portfolios might have received a a 15 or 15% return over the past five years.\n\nThere's no guarantee they're going to get that over the next two or three or five years. So we have to use those returns because that's what it has performed or how it has performed in the in the past, essentially. So it's about making sure we're not overinflating things. But I'll do it in the back end, and I'll have a look at what the 200 looks like for you. If we need to maybe look at increasing that, I'll recommend it and show you how and why the advantages disadvantages of this involved, and then you get to take that away and decide whether you're happy with that or not.\n\nAll of my advice documents do also have yes. Sorry. You're at yes. Mhmm. Mhmm.\n\nYes. Oh, the con yes. The the contributions cap. Yes. Yep.\n\nYes. Yeah. Absolutely. Yes. Yeah.\n\nYeah. Yeah. Yep. Yep. You could yeah.\n\nYou could yeah. You could do. So they're called the carry form contributions. I can have a look at that for you as part of the advice. Essentially, what I would wanna be doing is looking at whether it's worth keeping it on the mortgage.\n\nSo looking at how that's gonna benefit you versus putting the money in the super. You can do it in two ways. So salary sacrifice is what you're doing at the moment. There are other options where you've got sorry. I've got the hiccups.\n\nI do apologize. You can also do what's called a deductible contribution where at the end of the financial year, if you haven't used the whole of your cap space that year and wanna make, like, a lump sum contribution, you absolutely can. But you look at what you have carried forward contribution from the last five years, and your ATO will show you eligibility for that. Essentially, eligibility wise, you just have to be able to show that your balance is under 500,000 as that 30% during the financial year prior, which yours is. That's absolutely fine.\n\nYou're also under the age with of the requirement, which is fine. So, yeah, you should be able to have a look at your MyGov account. In MyGov, if you go to the ATO section, then super, and then the menu and its information, it should then tell you carry forward contributions. If you click on that, it tells you eligibility and then has the last five years broken down for you. We can use it in one of two ways.\n\nAs a deductible contribution, if you do that at the end of the financial year or you can be doing it in, like, smaller amounts on a regular basis, it actually lowers your tax it uses a tax deduction. So, like, salary sacrifice comes at free tax, so it reduces how much tax you pay on your income for that week or that fortnight. Whereas if you take a lump sum $5,000 at the end of the financial year and put that into your super as a deductible contribution, because it comes out of your after tax money, once it goes into super, we claim a notice of intent. That means the super fund deducts 15% tax. You pay tax on the same amount of money twice.\n\nYou can then take that $5,000 back and claim it as a tax deduction, and it helps reduce your taxable income by $5,000. So there are those advantages that you can look at doing there. It's up to you whether you wanna just focus on this part of the advice first, and then we come back and look at that again. The same as always if I do three advice documents in a year, you don't pay anything for that in relation to super. That's all part of your ongoing service agreement, and I'm happy to come back and look at that.\n\nIf you just want me to, we can do the advice on this now. And then in May next year yeah. In May next year, I can make a little calendar invite to check-in, and I can say, hey. Look. We've got this much space left over.\n\nHave you got any extra cash? Do you wanna make a deductible contribution? It definitely works better for higher income earners because it can look to reduce you back a tax bracket a little bit. It's, you know, to help you get a bit more back on your tax return, which could be an advantage. So we can absolutely do that for you.\n\nYeah. I've got them here in front of me, actually. Okay. Mhmm. We go from one one thirty five to one ninety.\n\nYep. Mhmm. Yep. Yeah. And even making something as as much as 1 or 2 or $3 could absolutely, you know, push you back under that tax bracket a little bit.\n\nAnd, you know, even if you're taking that money off the mortgage yeah. Yeah. Absolutely. Yeah. Absolute absolutely.\n\nAnd, I mean, if you get a little bit extra tax back, you you put that money in the super, but then if you reduce your tax and get a bit more back, you can put that back onto the mortgage as well. So it's kind of giving you that double benefit there. So we can absolutely look at doing that. Did you want me to factor that into the advice now for you or just maybe hold up until end of financial year and look at what your income is then? What would you like to do with that?\n\nYep. Yep. Absolutely. Yep. Absolutely.\n\nYeah. Perfect. No problem at all. And I'll send this email shortly for you. That way, you've got a bit of a recap going through all the things that we've gone through.\n\nI'll have your old advice document there as well. I've booked you in for the next month, so I'll add a little note there on the email with our next appointment for your advice presentation to go through with you. And if you have questions or anything else, come back and let me know. I'm happy to rebook you in to talk about anything. If there is anything you need, I am, like, taking as many calls as I can off the cuff.\n\nSo if you call in and go, hey. I need to talk today. I've got these questions. The team will always ask me if I'm available. And if I'm not on the phone, I will always try to take the call.\n\nSo I'll make sure that I'm available when you need, and I'll make sure that we have a three month catch up from from the August 19, three months on. That way, we can kind of make sure we do those catch ups for you, and you'll hear from Sammy. She's the one that's gonna give you a call and book you in for those catch ups and make sure that you're all looked after with me. So we're we're striving to do better this year, and I really hope I do. If I start to fall short, please let me know.\n\nI wanna do the best job I can, but tell me if I start to fall short and I'll pick my game up, I promise. Okay? That's okay. Do you have any other questions or anything else that you might have for me today or need me to research for you? Or that's okay.\n\nBeautiful. Well yeah. Yep. Yeah. Easy.\n\nNo worries at all. I'll get that email to you shortly. You put your annual review doc there as well. Feel free to go through those ones. If you're happy to sign them or return the annual the ongoing agreement of that, do so, and I'll get stuff into this research.\n\nWe'll have it ready for the nineteenth for you. Okay? Thanks so much, Bianca. My pleasure. You have a lovely afternoon.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":0.39999998,"end":1.14,"sentiment":"neutral","sentiment_score":0.05312757380306721},{"text":"Beautiful.","start":5.3599997,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6207994222640991},{"text":"All good.","start":6.64,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5286358296871185},{"text":"How does she say?","start":7.2799997,"end":8.34,"sentiment":"neutral","sentiment_score":0.17733624577522278},{"text":"Mhmm.","start":12.08,"end":12.58,"sentiment":"neutral","sentiment_score":0.06537966430187225}],"sentiment":"neutral","sentiment_score":0.2559050876647234,"num_words":10,"start":0.39999998,"end":12.58},{"sentences":[{"text":"That's all good.","start":13.195,"end":13.835,"sentiment":"neutral","sentiment_score":0.29119448860486347},{"text":"No problem at all.","start":13.835,"end":14.635,"sentiment":"neutral","sentiment_score":0.233106579631567},{"text":"You can send us through whenever you're ready.","start":14.635,"end":16.415,"sentiment":"neutral","sentiment_score":0.16105305776000023},{"text":"Hi, Vy.","start":20.795,"end":21.355,"sentiment":"neutral","sentiment_score":0.13538363575935364},{"text":"How are you this afternoon?","start":21.355,"end":22.494999,"sentiment":"neutral","sentiment_score":0.1802126497030258}],"sentiment":"neutral","sentiment_score":0.19392112574794076,"num_words":22,"start":13.195,"end":22.494999},{"sentences":[{"text":"I'm very well.","start":25.91,"end":26.79,"sentiment":"positive","sentiment_score":0.4270089368025462},{"text":"Thank you.","start":26.79,"end":27.19,"sentiment":"positive","sentiment_score":0.4424651563167572},{"text":"How's your day been this far?","start":27.19,"end":28.810001,"sentiment":"neutral","sentiment_score":0.15489906320969263},{"text":"Oh oh, that's okay.","start":34.87,"end":37.35,"sentiment":"neutral","sentiment_score":0.018347822595387697},{"text":"That's absolutely fine.","start":37.35,"end":39.21,"sentiment":"neutral","sentiment_score":0.04274566968282064}],"sentiment":"neutral","sentiment_score":0.18316554454051787,"num_words":18,"start":25.91,"end":39.21},{"sentences":[{"text":"Not a prob Oh, really?","start":39.27,"end":49.375,"sentiment":"neutral","sentiment_score":-0.018316582962870597},{"text":"Oh, wow.","start":49.375,"end":50.195,"sentiment":"neutral","sentiment_score":0.05714202672243118},{"text":"How did they go?","start":51.695,"end":52.735,"sentiment":"neutral","sentiment_score":0.04300959501415491},{"text":"Did they oh, that's that's fun.","start":52.735,"end":63.23,"sentiment":"neutral","sentiment_score":0.17718121781945229},{"text":"That's awesome.","start":63.23,"end":63.949997,"sentiment":"positive","sentiment_score":0.5964099168777466}],"sentiment":"neutral","sentiment_score":0.12898140312417558,"num_words":19,"start":39.27,"end":63.949997},{"sentences":[{"text":"I love that.","start":63.949997,"end":64.51,"sentiment":"positive","sentiment_score":0.6189652880032858},{"text":"My son had his a few weeks ago and, yeah, he's in year four now, so he's gotta try a little bit harder and do all the bits and pieces.","start":64.51,"end":71.025,"sentiment":"neutral","sentiment_score":0.13441181033849717},{"text":"And, yeah, he loves it.","start":71.025,"end":72.705,"sentiment":"positive","sentiment_score":0.40367329120635986},{"text":"It's a bit of fun for them as well.","start":72.705,"end":74.385,"sentiment":"positive","sentiment_score":0.4263858066664802},{"text":"So yeah.","start":74.385,"end":75.365,"sentiment":"neutral","sentiment_score":0.13729210942983627}],"sentiment":"neutral","sentiment_score":0.24529945120519522,"num_words":49,"start":63.949997,"end":75.365},{"sentences":[{"text":"All good.","start":76.785,"end":77.685,"sentiment":"neutral","sentiment_score":0.2632600665092468},{"text":"Look.","start":77.825,"end":77.985,"sentiment":"neutral","sentiment_score":0.13249120116233826},{"text":"I did have you booked in for your annual review today.","start":77.985,"end":80.305,"sentiment":"neutral","sentiment_score":0.12136702307245949},{"text":"I have sent through some compliance documents to you as part of the review to your email.","start":80.305,"end":84.59,"sentiment":"neutral","sentiment_score":0.06652903600650675},{"text":"I think, first off, I know Wendy spoke with Samantha.","start":85.21,"end":87.85,"sentiment":"neutral","sentiment_score":0.015655231103301047}],"sentiment":"neutral","sentiment_score":0.08003889051515882,"num_words":41,"start":76.785,"end":87.85},{"sentences":[{"text":"We've obviously, you know, had some issues over the past twelve months, and I wanted to sort of address your concerns with you guys and just sort of have a chat to you about sort 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okay.","start":104.244995,"end":117.11,"sentiment":"neutral","sentiment_score":0.3237558627900268},{"text":"Yeah.","start":117.33,"end":117.83,"sentiment":"neutral","sentiment_score":0.08321788161993027},{"text":"Yeah.","start":124.065,"end":124.565,"sentiment":"neutral","sentiment_score":-0.05120658874511719}],"sentiment":"neutral","sentiment_score":0.13645653786440182,"num_words":117,"start":87.85,"end":124.565},{"sentences":[{"text":"Yeah.","start":131.66501,"end":132.16501,"sentiment":"neutral","sentiment_score":-0.2514039874076843},{"text":"Oh, 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far, there you go.","start":191.01,"end":192.31,"sentiment":"neutral","sentiment_score":-0.065541672706604},{"text":"Yeah.","start":192.37,"end":192.87,"sentiment":"neutral","sentiment_score":-0.06305786222219467}],"sentiment":"neutral","sentiment_score":-0.07236801005072063,"num_words":9,"start":184.265,"end":192.87},{"sentences":[{"text":"Right.","start":201.49,"end":201.99,"sentiment":"neutral","sentiment_score":-0.07464900612831116},{"text":"Right.","start":203.33,"end":203.83,"sentiment":"neutral","sentiment_score":0.017429355531930923},{"text":"Yes.","start":213.565,"end":214.065,"sentiment":"neutral","sentiment_score":0.03903472423553467},{"text":"Yeah.","start":216.62001,"end":217.12001,"sentiment":"neutral","sentiment_score":0.12193936109542848},{"text":"Yeah.","start":228.94,"end":229.44,"sentiment":"neutral","sentiment_score":0.03272169828414917}],"sentiment":"neutral","sentiment_score":0.027295226603746413,"num_words":5,"start":201.49,"end":229.44},{"sentences":[{"text":"Yeah.","start":229.66,"end":230.16,"sentiment":"neutral","sentiment_score":0.03605799376964569},{"text":"Yeah.","start":238.58499,"end":239.08499,"sentiment":"neutral","sentiment_score":0.24752669036388397},{"text":"Yeah.","start":250.22,"end":250.72,"sentiment":"neutral","sentiment_score":0.04773101955652237},{"text":"That's 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yeah.","start":276.97998,"end":279.16,"sentiment":"neutral","sentiment_score":-0.04719556123018265},{"text":"Yeah.","start":279.69998,"end":280.19998,"sentiment":"neutral","sentiment_score":0.1652853786945343},{"text":"Mhmm.","start":292.895,"end":293.135,"sentiment":"neutral","sentiment_score":0.03371238335967064},{"text":"Yep.","start":293.135,"end":293.635,"sentiment":"neutral","sentiment_score":0.05626266822218895},{"text":"Yep.","start":298.02002,"end":298.52002,"sentiment":"neutral","sentiment_score":0.034888021647930145}],"sentiment":"neutral","sentiment_score":0.032626221577326454,"num_words":6,"start":276.97998,"end":298.52002},{"sentences":[{"text":"Yep.","start":306.02002,"end":306.52002,"sentiment":"neutral","sentiment_score":-0.061801426112651825},{"text":"Yeah.","start":307.46002,"end":307.7,"sentiment":"neutral","sentiment_score":-0.01109524816274643},{"text":"Yeah.","start":307.7,"end":308.2,"sentiment":"neutral","sentiment_score":-0.016664108261466026},{"text":"No.","start":308.42,"end":308.66,"sentiment":"neutral","sentiment_score":-0.09899890422821044},{"text":"Absolutely.","start":308.66,"end":309.16,"sentiment":"neutral","sentiment_score":-0.03057690337300301}],"sentiment":"neutral","sentiment_score":-0.043827318027615546,"num_words":5,"start":306.02002,"end":309.16},{"sentences":[{"text":"Yeah.","start":311.21503,"end":311.71503,"sentiment":"neutral","sentiment_score":-0.05127255618572235},{"text":"No.","start":312.49503,"end":312.99503,"sentiment":"neutral","sentiment_score":-0.09061583131551744},{"text":"That's that's that's perfectly fine.","start":313.05502,"end":314.89502,"sentiment":"neutral","sentiment_score":0.22077338695526122},{"text":"And I'm really, really glad that you brought those things up with me because in all honesty, I get it and I understand.","start":314.89502,"end":320.27502,"sentiment":"positive","sentiment_score":0.36073910088642785},{"text":"And, look, in the last twelve months, I absolutely agree, Ophi, you have let the ball down.","start":321.21503,"end":326.43,"sentiment":"neutral","sentiment_score":-0.008094200686387278}],"sentiment":"neutral","sentiment_score":0.19407183948924092,"num_words":47,"start":311.21503,"end":326.43},{"sentences":[{"text":"There's been a lot of things that happened last year that are outside of, obviously, my control, but there has been a lot of decisions made by senior management that, hey, I didn't agree with that I know have affected clients.","start":326.50998,"end":337.72998,"sentiment":"neutral","sentiment_score":-0.18654046207666397},{"text":"And this last six months between January to now is essentially where I've been trying to clean things up a little bit and try to get my book under control.","start":338.19,"end":346.64502,"sentiment":"neutral","sentiment_score":-0.15629481226205827},{"text":"I end up we used to when Tarik was on board, I actually worked with Tarik.","start":347.825,"end":352.30502,"sentiment":"neutral","sentiment_score":-0.0024566388747189194},{"text":"He and I went through our p y together back in the day.","start":352.30502,"end":355.285,"sentiment":"neutral","sentiment_score":0.018265095754311636},{"text":"He was great.","start":355.73,"end":356.53,"sentiment":"neutral","sentiment_score":0.17170177648464838}],"sentiment":"neutral","sentiment_score":-0.11285201903631531,"num_words":103,"start":326.50998,"end":356.53},{"sentences":[{"text":"Love him, but he is very much more salesy than myself.","start":356.53,"end":359.51,"sentiment":"neutral","sentiment_score":-0.09927202490243045},{"text":"So with with Tarek and I, we essentially used to share the whole book of clients.","start":360.53,"end":367.01,"sentiment":"neutral","sentiment_score":-0.0005542885919567198},{"text":"So all the clients on under OPU are essentially under the OPU license, and we used to just call every single one of them and go through the annual reviews and do what we needed.","start":367.01,"end":376.42502,"sentiment":"neutral","sentiment_score":0.012653192079492977},{"text":"So there was no sort of specific adviser in that scenario.","start":376.42502,"end":379.24503,"sentiment":"neutral","sentiment_score":-0.09221247414296324},{"text":"When Tarek moved on elsewhere and I need to step up and take on a few more extra clients to help out, we've since then got a few additional advisers on, which is great.","start":380.265,"end":390.34998,"sentiment":"neutral","sentiment_score":0.1359677242991679}],"sentiment":"neutral","sentiment_score":0.02757538543909649,"num_words":107,"start":356.53,"end":390.34998},{"sentences":[{"text":"The book is looked after.","start":390.34998,"end":391.72998,"sentiment":"neutral","sentiment_score":0.20085616409778595},{"text":"But after last year and what happened, I actually asked for a set book of clients.","start":392.27,"end":396.765,"sentiment":"neutral","sentiment_score":0.05258861347101629},{"text":"So I have a set book of clients that get to talk to me on a regular basis.","start":396.845,"end":401.345,"sentiment":"neutral","sentiment_score":0.13793093338608742},{"text":"I've been going to try and do reviews, looking at doing foundation advice documents, updating insurances, updating portfolios to everybody, and then making sure we do the regular catch ups because that was something that was promised back in the day, which over the last couple of years hasn't really sort of happened.","start":402.125,"end":419.37,"sentiment":"neutral","sentiment_score":0.03728822330540081},{"text":"The catch ups have kind of been few and far between.","start":419.83,"end":422.71,"sentiment":"neutral","sentiment_score":-0.1196150231090459}],"sentiment":"neutral","sentiment_score":0.04843656328117963,"num_words":103,"start":390.34998,"end":422.71},{"sentences":[{"text":"So I've been trying to make sure we do those regular catch ups there.","start":422.71,"end":425.93,"sentiment":"neutral","sentiment_score":0.19300577204142297},{"text":"So that's one of the things that I've sort of implemented this year to try and help alleviate a lot of the problems in the past.","start":426.35498,"end":432.935,"sentiment":"neutral","sentiment_score":0.30662956604590785},{"text":"The second sort of part is with the super fund.","start":433.155,"end":435.735,"sentiment":"neutral","sentiment_score":0.21545035243034363},{"text":"I know back in the day, everyone sort of talked about active management, and there's a couple of different ways in which a super fund is actively managed.","start":436.115,"end":443.37,"sentiment":"neutral","sentiment_score":0.13828501610883645},{"text":"One of those is buying and selling on a regular basis.","start":443.50998,"end":446.65,"sentiment":"neutral","sentiment_score":0.1363084770061753}],"sentiment":"neutral","sentiment_score":0.20449805335047538,"num_words":89,"start":422.71,"end":446.65},{"sentences":[{"text":"With the way your trades work, when your super fund when your money goes into the super fund, it goes into the cash account.","start":447.83,"end":455.77,"sentiment":"neutral","sentiment_score":0.0798155019680659},{"text":"Every once generally, around about the twentieth of every month, Hub twenty four do a regular they fund a transaction report, and that tells them how much cash you have.","start":456.365,"end":467.905,"sentiment":"neutral","sentiment_score":0.09023376541833082},{"text":"That basically tells them how much they need to invest in those funds that we've put you in, basically.","start":467.965,"end":474.09003,"sentiment":"neutral","sentiment_score":0.10611651994680103},{"text":"So your portfolio, when you came on board originally, we would have recommended, I think, about eight different investment options there.","start":474.47,"end":480.585,"sentiment":"neutral","sentiment_score":0.09959239956168901},{"text":"With what happens with your super fund is whenever money goes into the account, it's just in the cash account.","start":481.38498,"end":486.66498,"sentiment":"neutral","sentiment_score":0.07662524171173572}],"sentiment":"neutral","sentiment_score":0.09002407117370974,"num_words":114,"start":447.83,"end":486.66498},{"sentences":[{"text":"Once a month, they run the trades and the report, and those trade reports that you've been seeing are essentially just automated reports from Hub twenty four.","start":486.66498,"end":495.305,"sentiment":"neutral","sentiment_score":0.06620927610331112},{"text":"So we're not physically going in and making those trades.","start":495.305,"end":498.23,"sentiment":"neutral","sentiment_score":0.042975626140832904},{"text":"We've told them what we want you invested in and in what asset allocations that might be 10% of the S and P 500, you know, 10% bang along.","start":498.53,"end":507.97,"sentiment":"neutral","sentiment_score":0.09227789899912374},{"text":"It could be a no 10% in cybersecurity.","start":507.97,"end":510.23,"sentiment":"neutral","sentiment_score":0.0827897759154439},{"text":"They essentially activate those trades in the back end of Hub 24 as per our allocation.","start":511.23502,"end":516.215,"sentiment":"neutral","sentiment_score":0.12437923299148679}],"sentiment":"neutral","sentiment_score":0.0838427969151073,"num_words":90,"start":486.66498,"end":516.215},{"sentences":[{"text":"We don't buy and sell individually and alter those investors on a regular basis because then we run the risk of day trading with your super.","start":517.47504,"end":525.09503,"sentiment":"neutral","sentiment_score":-0.18154568468722013},{"text":"I know there are advisers out there that do do that, but day traders run the risk of not not staying invested through the longer term, having trouble buying and selling at the top and the bottom of the market, which disadvantages you.","start":525.29004,"end":539.07,"sentiment":"neutral","sentiment_score":-0.28911932471186613},{"text":"So our job with your investment portfolio is to be monitoring it, looking at it every couple of months, giving you an update on what's happening with it, looking at whether the performance is over or underperforming for the year, and then updating your portfolio as we need to as well because certain investments, say, back in 2021 or 2024 might have been performing really, really well, but then now they might not be performing as well.","start":539.65497,"end":563.9,"sentiment":"neutral","sentiment_score":-0.07330278287847321},{"text":"Then we update the advice and make alterations to your portfolio moving forward.","start":563.9,"end":568.45496,"sentiment":"neutral","sentiment_score":0.14787835685106424},{"text":"And so that's certainly tracking towards the goal and making smaller changes on a regular basis and monitoring that long term to get those changes to where you to where you wanna be, essentially, to make your super work as hard as possible and making changes as we need to in the in the shorter term.","start":568.75494,"end":584.85,"sentiment":"neutral","sentiment_score":0.11884187028876372}],"sentiment":"neutral","sentiment_score":-0.06613520777156187,"num_words":215,"start":517.47504,"end":584.85},{"sentences":[{"text":"But I am really sort of conscious that we don't day trade with your super.","start":585.79,"end":590.02997,"sentiment":"neutral","sentiment_score":-0.2943505018949509},{"text":"We don't go in there and make changes and actively buy and sell and try to pick the top and the bottom of the market.","start":590.02997,"end":596.02997,"sentiment":"neutral","sentiment_score":-0.3080612999200821},{"text":"And I think because, as you said, you were brought on by those salespeople back in the day, and those are the marketers.","start":596.02997,"end":602.255,"sentiment":"neutral","sentiment_score":-0.296045214585636},{"text":"And they're actually mostly out of business now because they were, and I'm sure they promised you absolutely everything.","start":602.55505,"end":608.335,"sentiment":"negative","sentiment_score":-0.35700761566036626},{"text":"And it's definitely I can safely say from last year, we have definitely not lived up to that expectation.","start":609.56,"end":615.66003,"sentiment":"negative","sentiment_score":-0.4486768480978514}],"sentiment":"negative","sentiment_score":-0.3389488591416047,"num_words":101,"start":585.79,"end":615.66003},{"sentences":[{"text":"But your super is performing really, really nicely.","start":616.44,"end":619.10004,"sentiment":"positive","sentiment_score":0.5067459046840668},{"text":"The ongoing service fee within that is 1.65% per annum.","start":620.28,"end":624.205,"sentiment":"neutral","sentiment_score":0.2066217802464962},{"text":"So then that is deducted in full monthly increments.","start":624.205,"end":626.945,"sentiment":"neutral","sentiment_score":0.11963659276564916},{"text":"And the idea about percentage based fee that way is that it fluctuates with the market.","start":627.325,"end":631.645,"sentiment":"neutral","sentiment_score":0.0505996928550303},{"text":"So, you know, whilst you might probably expect to just pay, you know, 2 or $3,000 for the year, it's deducted in smaller increments, and it goes up and down with the market.","start":631.645,"end":640.65,"sentiment":"neutral","sentiment_score":-0.03821031077567375}],"sentiment":"neutral","sentiment_score":0.08875748953831039,"num_words":76,"start":616.44,"end":640.65},{"sentences":[{"text":"So one of the biggest things that I try to instill is that we can't control market, and we we don't ever try to sell out of the down market.","start":640.65,"end":648.97003,"sentiment":"neutral","sentiment_score":0.0003812478855252266},{"text":"We wanna stay invested in the down market.","start":648.97003,"end":650.97003,"sentiment":"neutral","sentiment_score":0.20209441520273685},{"text":"We want your contribution to go into that down market because those investments at the down point are essentially cheaper options.","start":650.97003,"end":659.21497,"sentiment":"neutral","sentiment_score":0.3054738101505098},{"text":"They're a discounted rate, and you where contributions go in, they buy into that discounted rate.","start":659.21497,"end":664.56,"sentiment":"positive","sentiment_score":0.3671075813472271},{"text":"And then as the market comes back out and recovers, you take advantage of that, and that helps with your overall growth and the compounding effect of your super.","start":664.72,"end":671.86,"sentiment":"positive","sentiment_score":0.5289172674047535}],"sentiment":"neutral","sentiment_score":0.28130254641963315,"num_words":104,"start":640.65,"end":671.86},{"sentences":[{"text":"So that's essentially how the super works, and that's sort of how those trades happen.","start":672.32,"end":676.66,"sentiment":"positive","sentiment_score":0.4230427920818329},{"text":"I'm not sure why they've been less this last twelve months than they had in the past, though.","start":676.96,"end":682.235,"sentiment":"neutral","sentiment_score":-0.2294392850663927},{"text":"I will look into that because they do run those trades every month.","start":682.235,"end":687.115,"sentiment":"neutral","sentiment_score":0.08437935492167106},{"text":"Around about the twentieth of every month, Hub twenty four run their whole cash account.","start":687.115,"end":691.59503,"sentiment":"neutral","sentiment_score":0.09468360617756844},{"text":"They, you know, reinvest and buy and sell in the background as per our direction.","start":691.59503,"end":696.73,"sentiment":"neutral","sentiment_score":0.10320641572276751}],"sentiment":"neutral","sentiment_score":0.08264495648051563,"num_words":76,"start":672.32,"end":696.73},{"sentences":[{"text":"So that those trade reports should realistically be coming through every month for you.","start":697.43,"end":701.75,"sentiment":"neutral","sentiment_score":0.12440492265990802},{"text":"So I will have a look into that if that's okay.","start":701.75,"end":704.17,"sentiment":"neutral","sentiment_score":0.08860894258726727},{"text":"That's okay.","start":711.575,"end":712.395,"sentiment":"neutral","sentiment_score":-0.029233846813440323},{"text":"Yep.","start":713.815,"end":714.315,"sentiment":"neutral","sentiment_score":-0.0022316346876323223},{"text":"Yep.","start":716.455,"end":716.955,"sentiment":"neutral","sentiment_score":-0.04946873337030411}],"sentiment":"neutral","sentiment_score":0.08986893875909777,"num_words":29,"start":697.43,"end":716.955},{"sentences":[{"text":"Yeah.","start":719.87,"end":720.37,"sentiment":"neutral","sentiment_score":-0.0497274249792099},{"text":"That doesn't make sense.","start":723.55,"end":724.85,"sentiment":"neutral","sentiment_score":-0.07968567032366991},{"text":"Yeah.","start":726.51,"end":727.01,"sentiment":"neutral","sentiment_score":-0.08367633819580078},{"text":"Yeah.","start":732.365,"end":732.865,"sentiment":"neutral","sentiment_score":-0.05144524574279785},{"text":"Okay.","start":737.005,"end":737.505,"sentiment":"neutral","sentiment_score":-0.10233637690544128}],"sentiment":"neutral","sentiment_score":-0.07574100838974118,"num_words":8,"start":719.87,"end":737.505},{"sentences":[{"text":"No.","start":738.365,"end":738.865,"sentiment":"neutral","sentiment_score":-0.1799127757549286},{"text":"No.","start":739.565,"end":740.065,"sentiment":"neutral","sentiment_score":-0.15248918533325195},{"text":"Yeah.","start":744.14,"end":744.64,"sentiment":"neutral","sentiment_score":-0.07779300212860107},{"text":"Yeah.","start":746.22003,"end":746.72003,"sentiment":"neutral","sentiment_score":-0.07699857652187347},{"text":"Yeah.","start":750.14,"end":750.64,"sentiment":"neutral","sentiment_score":-0.035562098026275635}],"sentiment":"neutral","sentiment_score":-0.10455112755298615,"num_words":5,"start":738.365,"end":750.64},{"sentences":[{"text":"No.","start":750.94,"end":751.18005,"sentiment":"neutral","sentiment_score":-0.16822457313537598},{"text":"That's that's honestly fine.","start":751.18005,"end":752.88,"sentiment":"negative","sentiment_score":-0.36747046560049057},{"text":"Yeah.","start":753.34,"end":753.84,"sentiment":"neutral","sentiment_score":-0.061563700437545776},{"text":"Yeah.","start":762.03503,"end":762.53503,"sentiment":"neutral","sentiment_score":-0.008709239773452282},{"text":"Yeah.","start":765.395,"end":765.635,"sentiment":"neutral","sentiment_score":-0.01137814112007618}],"sentiment":"neutral","sentiment_score":-0.21496968960855156,"num_words":8,"start":750.94,"end":765.635},{"sentences":[{"text":"Yep.","start":765.635,"end":766.135,"sentiment":"neutral","sentiment_score":-0.021150967106223103},{"text":"Yeah.","start":767.76,"end":768.26,"sentiment":"neutral","sentiment_score":-0.05695555731654167},{"text":"That's really bizarre.","start":770.32,"end":771.36,"sentiment":"neutral","sentiment_score":-0.2835686107476552},{"text":"I will definitely have a look into that and yeah.","start":771.36,"end":774.8,"sentiment":"neutral","sentiment_score":-0.015300251170992851},{"text":"No.","start":774.8,"end":775.04,"sentiment":"neutral","sentiment_score":-0.02615886926651001}],"sentiment":"neutral","sentiment_score":-0.06924835860263556,"num_words":16,"start":765.635,"end":775.04},{"sentences":[{"text":"That's okay.","start":775.04,"end":775.68,"sentiment":"neutral","sentiment_score":0.01627160655334592},{"text":"I'll definitely look into it for you.","start":775.68,"end":777.77997,"sentiment":"neutral","sentiment_score":0.09390355433736529},{"text":"I'll make a note there that you do want those trade reports to come through so you can see what is happening and being bought and sold and, you know, managed in the back end.","start":778.08,"end":786.395,"sentiment":"neutral","sentiment_score":0.042710325760500774},{"text":"Yeah.","start":787.335,"end":787.815,"sentiment":"neutral","sentiment_score":0.18265941739082336},{"text":"Beautiful.","start":787.815,"end":788.315,"sentiment":"positive","sentiment_score":0.5876853466033936}],"sentiment":"neutral","sentiment_score":0.06424074476260853,"num_words":46,"start":775.04,"end":788.315},{"sentences":[{"text":"Beautiful.","start":789.17505,"end":789.67505,"sentiment":"positive","sentiment_score":0.6668360233306885},{"text":"Excellent.","start":791.575,"end":792.075,"sentiment":"positive","sentiment_score":0.7027864456176758},{"text":"Lovely.","start":792.455,"end":792.955,"sentiment":"positive","sentiment_score":0.6360992193222046},{"text":"So, yeah, look, that is essentially super.","start":793.815,"end":795.815,"sentiment":"positive","sentiment_score":0.3968132053102766},{"text":"And as I've said, I'm not going to, you know, sugarcoat any way, shape, or form.","start":795.815,"end":799.68,"sentiment":"neutral","sentiment_score":-0.0780786070972681}],"sentiment":"neutral","sentiment_score":0.13592909276485443,"num_words":26,"start":789.17505,"end":799.68},{"sentences":[{"text":"We've let you down over the last twelve months, and I a 100% get that.","start":799.68,"end":803.54,"sentiment":"neutral","sentiment_score":-0.20919467707475026},{"text":"I do wanna try and make sure we do better.","start":803.76,"end":806.02,"sentiment":"neutral","sentiment_score":-0.16196689903736114},{"text":"At the same time, I know Samantha told me that you were a bit unsure of that and self a bit stuck.","start":806.4,"end":811.54,"sentiment":"neutral","sentiment_score":-0.1906373074108904},{"text":"If at any point you decide that you are unhappy with our services, you do find an adviser you would prefer to work with someone else, that is absolutely okay.","start":811.84,"end":820.985,"sentiment":"neutral","sentiment_score":-0.21690096457799277},{"text":"I don't want you to leave, but at the same time, I'm honest.","start":821.205,"end":824.245,"sentiment":"neutral","sentiment_score":-0.14460107798759753}],"sentiment":"neutral","sentiment_score":-0.1926494762301445,"num_words":90,"start":799.68,"end":824.245},{"sentences":[{"text":"And if you find someone else that you would prefer to work with, they can take over your super.","start":824.245,"end":829.27,"sentiment":"neutral","sentiment_score":-0.08640346578077267},{"text":"Your insurance can be transferred as well or paid out of any super fund.","start":829.27,"end":833.77,"sentiment":"neutral","sentiment_score":-0.04837960417249373},{"text":"That's the benefit of having the retail cover.","start":833.91,"end":836.07,"sentiment":"neutral","sentiment_score":0.04482318204827607},{"text":"We can have it paid out of any super fund.","start":836.07,"end":838.31,"sentiment":"neutral","sentiment_score":-0.010960273444652557},{"text":"We just have to change the super fund that it is paid out of.","start":838.31,"end":842.175,"sentiment":"neutral","sentiment_score":-0.04963859649641173}],"sentiment":"neutral","sentiment_score":-0.042537506727071905,"num_words":65,"start":824.245,"end":842.175},{"sentences":[{"text":"If you do find you have a better relationship with other advisers or another firm and you just, you know, wanna go with them, that's understandable.","start":842.175,"end":848.995,"sentiment":"neutral","sentiment_score":-0.03162672259629919},{"text":"I get that.","start":849.375,"end":850.27496,"sentiment":"neutral","sentiment_score":0.021861530219515164},{"text":"You let me know.","start":850.575,"end":851.375,"sentiment":"neutral","sentiment_score":0.04341988172382116},{"text":"We will help you roll on out.","start":851.375,"end":853.375,"sentiment":"neutral","sentiment_score":0.08478882483073644},{"text":"We'll help you change the adviser.","start":853.375,"end":855.075,"sentiment":"neutral","sentiment_score":0.08024567862351735}],"sentiment":"neutral","sentiment_score":0.010694895121876312,"num_words":46,"start":842.175,"end":855.075},{"sentences":[{"text":"You can have change of servicing platforms attached to any super and any insurance policy as well.","start":856.01996,"end":863.45996,"sentiment":"neutral","sentiment_score":0.06605074905297335},{"text":"So that all can be changed.","start":863.45996,"end":865.54,"sentiment":"neutral","sentiment_score":0.08986463397741318},{"text":"That's absolutely fine.","start":865.54,"end":867.07996,"sentiment":"neutral","sentiment_score":0.20649148027102152},{"text":"I would personally love to see you stay on for another year and do everything I can to help you working forward towards your goals and doing better on behalf of AC Financial, but at the same time, it's it's gotta be your decision.","start":867.62,"end":879.595,"sentiment":"positive","sentiment_score":0.5503406758335504},{"text":"You've gotta be comfortable with where your money is and where your your super is.","start":879.595,"end":882.635,"sentiment":"positive","sentiment_score":0.4026919980843862}],"sentiment":"positive","sentiment_score":0.3827869963120012,"num_words":85,"start":856.01996,"end":882.635},{"sentences":[{"text":"This is your retirement.","start":882.635,"end":883.695,"sentiment":"neutral","sentiment_score":0.20965060591697693},{"text":"You'll probably note I'm very much less salesy than anyone else you've probably spoken to in OQ, and that's that's because I I do not believe in the salesy tactic side of things.","start":884.73,"end":896.265,"sentiment":"negative","sentiment_score":-0.3459394678021922},{"text":"As a financial adviser, I work on the best interest, Judy, and I have to work in your best interest.","start":896.745,"end":901.945,"sentiment":"neutral","sentiment_score":0.08228507786989211},{"text":"So the advice I do provide is about making sure we're working towards your goals.","start":901.945,"end":906.925,"sentiment":"neutral","sentiment_score":0.1398637443780899},{"text":"I'm so was so sorry that that advice took so long to do last year.","start":907.305,"end":911.45,"sentiment":"negative","sentiment_score":-0.497338871161143}],"sentiment":"neutral","sentiment_score":-0.1642968431971539,"num_words":87,"start":882.635,"end":911.45},{"sentences":[{"text":"It was not preferred in any way, shape, or form, and I was very disappointed in us for that task.","start":911.45,"end":916.97003,"sentiment":"negative","sentiment_score":-0.6746330291032792},{"text":"And I was, you know, making sure that that was done in January for you so you didn't have to wait any longer, and then, you know, trying to clean things up from now.","start":916.97003,"end":925.875,"sentiment":"neutral","sentiment_score":-0.1628723201506278},{"text":"But it was by no means preferable, and I don't have any excuses for what happened.","start":925.875,"end":930.51495,"sentiment":"negative","sentiment_score":-0.40202970430254936},{"text":"I don't want to, you know, sit here and justify any of that.","start":930.51495,"end":933.71497,"sentiment":"negative","sentiment_score":-0.5487051422779377},{"text":"It was bad business.","start":933.71497,"end":934.995,"sentiment":"negative","sentiment_score":-0.7540778815746307}],"sentiment":"negative","sentiment_score":-0.40933647255102795,"num_words":87,"start":911.45,"end":934.995},{"sentences":[{"text":"It was bad on our behalf, and I just wanna apologize that it's not good at all.","start":934.995,"end":940.52,"sentiment":"negative","sentiment_score":-0.49152523761286454},{"text":"Yeah.","start":942.5,"end":943.0,"sentiment":"neutral","sentiment_score":0.06896153837442398},{"text":"Yeah.","start":943.46,"end":943.96,"sentiment":"neutral","sentiment_score":0.003740716725587845},{"text":"No.","start":947.62,"end":948.12,"sentiment":"neutral","sentiment_score":-0.10612401366233826},{"text":"Yeah.","start":948.66003,"end":949.16003,"sentiment":"neutral","sentiment_score":-0.0710509791970253}],"sentiment":"negative","sentiment_score":-0.4028762751037166,"num_words":21,"start":934.995,"end":949.16003},{"sentences":[{"text":"No.","start":952.45496,"end":952.95496,"sentiment":"neutral","sentiment_score":-0.17275846004486084},{"text":"Yeah.","start":955.975,"end":956.135,"sentiment":"neutral","sentiment_score":-0.09271325170993804},{"text":"No.","start":956.135,"end":956.635,"sentiment":"neutral","sentiment_score":-0.1582372486591339},{"text":"Yep.","start":959.095,"end":959.595,"sentiment":"neutral","sentiment_score":-0.09456600993871687},{"text":"No.","start":967.23,"end":967.55,"sentiment":"neutral","sentiment_score":-0.10250498354434968}],"sentiment":"neutral","sentiment_score":-0.12415599077939987,"num_words":5,"start":952.45496,"end":967.55},{"sentences":[{"text":"So you can have it without being a without having a financial adviser.","start":967.55,"end":971.32996,"sentiment":"neutral","sentiment_score":0.27798198793943113},{"text":"We can remove ourselves off it.","start":971.38995,"end":973.49,"sentiment":"neutral","sentiment_score":0.01940859854221344},{"text":"The only sort of main difference is in order to transact on the fund, we do we can do that.","start":973.55,"end":979.55,"sentiment":"neutral","sentiment_score":0.12116207629442215},{"text":"So when and if we provide advice and, like, I've had a look at everything.","start":979.55,"end":983.575,"sentiment":"neutral","sentiment_score":0.22150606016318003},{"text":"I think there's advice we could definitely provide now for you to update things if you want to go through 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investments, you would have to call them and get them to place those trades for you.","start":1027.2,"end":1036.695,"sentiment":"neutral","sentiment_score":0.034301082137972116},{"text":"But you don't it's not an adviser only platform.","start":1037.6549,"end":1040.7749,"sentiment":"neutral","sentiment_score":0.05421907537513309}],"sentiment":"neutral","sentiment_score":0.11494420357702072,"num_words":114,"start":1004.5,"end":1040.7749},{"sentences":[{"text":"It is a platform that you can retain if you decide that you're comfortable with doing that.","start":1040.7749,"end":1045.995,"sentiment":"neutral","sentiment_score":0.18534388174028957},{"text":"And, yeah, as as I said, we can always you know, if another adviser comes in, they can add an authority onto it, and then there can be a a change of adviser form signed to all that as well.","start":1046.615,"end":1056.62,"sentiment":"neutral","sentiment_score":0.17681156005710363},{"text":"But it's not it's one of the few that is not an adviser only platform, and you can hold that or remove your adviser and still utilize the platform fine.","start":1056.62,"end":1066.0801,"sentiment":"neutral","sentiment_score":0.14082957928379378},{"text":"It's just the transaction side that you would have to call the admin team at Hub twenty four and get them to do and place trades for you.","start":1066.615,"end":1074.375,"sentiment":"neutral","sentiment_score":0.32048761046358515},{"text":"They get verbal approval to organize all of that, but it can definitely be done.","start":1074.375,"end":1078.455,"sentiment":"positive","sentiment_score":0.4272646069526672}],"sentiment":"neutral","sentiment_score":0.2294678305204098,"num_words":130,"start":1040.7749,"end":1078.455},{"sentences":[{"text":"Yeah.","start":1078.455,"end":1078.955,"sentiment":"neutral","sentiment_score":0.2077474296092987},{"text":"Yeah.","start":1081.32,"end":1081.82,"sentiment":"neutral","sentiment_score":0.13950061798095703},{"text":"Yeah.","start":1088.44,"end":1088.94,"sentiment":"neutral","sentiment_score":0.08073355257511139},{"text":"Yeah.","start":1089.24,"end":1089.74,"sentiment":"neutral","sentiment_score":0.19153191149234772},{"text":"Absolutely.","start":1089.88,"end":1090.38,"sentiment":"positive","sentiment_score":0.46777844429016113}],"sentiment":"neutral","sentiment_score":0.2174583911895752,"num_words":5,"start":1078.455,"end":1090.38},{"sentences":[{"text":"Absolutely.","start":1091.08,"end":1091.58,"sentiment":"positive","sentiment_score":0.5432595014572144},{"text":"Definitely.","start":1092.2,"end":1092.7,"sentiment":"positive","sentiment_score":0.47932499647140503},{"text":"So with the documents there, the main one is your ongoing service agreement for the next twelve months there.","start":1094.0651,"end":1100.0851,"sentiment":"neutral","sentiment_score":0.1329045068276556},{"text":"Don't sign it right now.","start":1100.9451,"end":1102.0651,"sentiment":"neutral","sentiment_score":-0.01364126179832965},{"text":"Obviously, take some time to think about what you wanna do.","start":1102.0651,"end":1105.3451,"sentiment":"neutral","sentiment_score":0.04770908293060281}],"sentiment":"neutral","sentiment_score":0.10822604678105563,"num_words":37,"start":1091.08,"end":1105.3451},{"sentences":[{"text":"Come if you have any additional questions, come back and ask me additional questions.","start":1105.3451,"end":1108.77,"sentiment":"neutral","sentiment_score":0.05782989997948919},{"text":"That's absolutely fine.","start":1108.77,"end":1110.15,"sentiment":"neutral","sentiment_score":0.32805344462394714},{"text":"I don't wanna sort of press you into making any decisions that you're not comfortable with.","start":1110.9299,"end":1114.61,"sentiment":"neutral","sentiment_score":-0.1977666463353671},{"text":"Love you to take some time to think about what you wanna do moving forward.","start":1114.61,"end":1117.99,"sentiment":"positive","sentiment_score":0.36469319462776184},{"text":"With the the attachment.","start":1119.01,"end":1121.5751,"sentiment":"neutral","sentiment_score":0.04350425489246845}],"sentiment":"neutral","sentiment_score":0.08219091406163688,"num_words":52,"start":1105.3451,"end":1121.5751},{"sentences":[{"text":"Now on the very front page, at the bottom, if you scroll down, I left a little message there.","start":1121.715,"end":1126.595,"sentiment":"neutral","sentiment_score":0.045997301802823416},{"text":"And underneath that, you should see all the attachments.","start":1126.595,"end":1128.935,"sentiment":"neutral","sentiment_score":0.03355734029577838},{"text":"Can you see those?","start":1129.0751,"end":1130.135,"sentiment":"neutral","sentiment_score":0.015328602166846395},{"text":"Fantastic.","start":1131.555,"end":1132.055,"sentiment":"positive","sentiment_score":0.5768835544586182},{"text":"Excellent.","start":1133.46,"end":1133.96,"sentiment":"positive","sentiment_score":0.5220137238502502}],"sentiment":"neutral","sentiment_score":0.06871107305564425,"num_words":34,"start":1121.715,"end":1133.96},{"sentences":[{"text":"The first one there is or should be the summary of the brand new agent and or insurances, and it's giving you an updated balance as of the July 23.","start":1134.26,"end":1143.0,"sentiment":"neutral","sentiment_score":0.20086753815412522},{"text":"Can you see that one there?","start":1148.115,"end":1149.235,"sentiment":"neutral","sentiment_score":0.010888323032607635},{"text":"Sorry.","start":1149.235,"end":1149.735,"sentiment":"neutral","sentiment_score":-0.01751990057528019},{"text":"That's okay.","start":1152.195,"end":1152.855,"sentiment":"neutral","sentiment_score":0.05159478262066841},{"text":"You're right.","start":1154.675,"end":1155.415,"sentiment":"neutral","sentiment_score":0.12521184608340263}],"sentiment":"neutral","sentiment_score":0.15676705950371375,"num_words":41,"start":1134.26,"end":1155.415},{"sentences":[{"text":"I get it.","start":1155.635,"end":1156.455,"sentiment":"neutral","sentiment_score":0.2698753972848256},{"text":"Yep.","start":1158.035,"end":1158.535,"sentiment":"neutral","sentiment_score":0.07475535571575165},{"text":"Perfect.","start":1160.03,"end":1160.53,"sentiment":"positive","sentiment_score":0.35832929611206055},{"text":"So just double checking with your balance last year, we were at a 140,902 and 28¢.","start":1161.63,"end":1168.45,"sentiment":"neutral","sentiment_score":0.15362829367319744},{"text":"Balance this year, we're up to a 183,790 and 14¢.","start":1168.91,"end":1174.095,"sentiment":"neutral","sentiment_score":0.18966908421781328}],"sentiment":"neutral","sentiment_score":0.18117782781864034,"num_words":31,"start":1155.635,"end":1174.095},{"sentences":[{"text":"So it has been good.","start":1174.335,"end":1175.615,"sentiment":"positive","sentiment_score":0.5919818639755249},{"text":"We have definitely seen an increase on that.","start":1175.615,"end":1177.775,"sentiment":"positive","sentiment_score":0.4044964872300625},{"text":"Part of it is your contributions and your salary sacrifice going in, but the other part that is with the that's the growth.","start":1177.775,"end":1184.4349,"sentiment":"neutral","sentiment_score":0.15365201574952705},{"text":"Now with the performance of in.","start":1184.815,"end":1187.235,"sentiment":"neutral","sentiment_score":0.031606960420807205},{"text":"Yes.","start":1187.49,"end":1187.99,"sentiment":"neutral","sentiment_score":-0.018454140052199364}],"sentiment":"neutral","sentiment_score":0.23025733028906722,"num_words":43,"start":1174.335,"end":1187.99},{"sentences":[{"text":"Yes.","start":1189.09,"end":1189.59,"sentiment":"neutral","sentiment_score":-0.009712645784020424},{"text":"The the growth.","start":1191.33,"end":1192.63,"sentiment":"neutral","sentiment_score":-0.01630508154630661},{"text":"Yes.","start":1192.77,"end":1193.27,"sentiment":"neutral","sentiment_score":0.003170432522892952},{"text":"Growth what?","start":1194.45,"end":1195.19,"sentiment":"neutral","sentiment_score":-0.011538529768586159},{"text":"Yeah.","start":1197.81,"end":1198.05,"sentiment":"neutral","sentiment_score":0.04412079602479935}],"sentiment":"neutral","sentiment_score":-0.004301715176552534,"num_words":8,"start":1189.09,"end":1198.05},{"sentences":[{"text":"You're right.","start":1198.05,"end":1198.69,"sentiment":"neutral","sentiment_score":0.015040741302073002},{"text":"So if you have a look at the hub twenty four performance with internal rate of return report, this is showing you the growth.","start":1198.69,"end":1207.625,"sentiment":"neutral","sentiment_score":0.051302841709305845},{"text":"So the second page, if you look at the third last column, you've got total earnings, and it shows there that the income and the growth in the last twelve months is $13,005.91 and 70 3¢.","start":1208.325,"end":1221.96,"sentiment":"neutral","sentiment_score":0.05129411422780582},{"text":"You can see that?","start":1227.78,"end":1228.5,"sentiment":"neutral","sentiment_score":0.03317247750237584},{"text":"Yep.","start":1228.5,"end":1228.74,"sentiment":"neutral","sentiment_score":0.1846683919429779}],"sentiment":"neutral","sentiment_score":0.05112124217504805,"num_words":67,"start":1198.05,"end":1228.74},{"sentences":[{"text":"Beautiful.","start":1228.74,"end":1229.24,"sentiment":"neutral","sentiment_score":0.22703705728054047},{"text":"All good.","start":1230.5,"end":1230.9,"sentiment":"neutral","sentiment_score":0.043159144930541515},{"text":"So that no.","start":1230.9,"end":1232.305,"sentiment":"neutral","sentiment_score":-0.046342797577381134},{"text":"That's okay.","start":1232.305,"end":1232.865,"sentiment":"neutral","sentiment_score":0.10748684965074062},{"text":"You're fine.","start":1232.865,"end":1233.505,"sentiment":"neutral","sentiment_score":0.2949896454811096}],"sentiment":"neutral","sentiment_score":0.09792799446731806,"num_words":10,"start":1228.74,"end":1233.505},{"sentences":[{"text":"All good.","start":1233.505,"end":1234.245,"sentiment":"neutral","sentiment_score":0.2709916979074478},{"text":"That's essentially the earnings received by the portfolio.","start":1234.385,"end":1237.045,"sentiment":"neutral","sentiment_score":0.14864932000637054},{"text":"That's the income and the growth within the last twelve months there.","start":1237.105,"end":1239.905,"sentiment":"neutral","sentiment_score":0.1713095661252737},{"text":"It does give you a internal rate of return of 11 sorry.","start":1239.905,"end":1243.92,"sentiment":"neutral","sentiment_score":0.11765747362126906},{"text":"6.11% to 6.11% there.","start":1244.0,"end":1247.2201,"sentiment":"neutral","sentiment_score":0.08803494088351727}],"sentiment":"neutral","sentiment_score":0.14607689990416953,"num_words":38,"start":1233.505,"end":1247.2201},{"sentences":[{"text":"That is net of any administration fees, investment fees, and our our ongoing service fee there as well.","start":1247.52,"end":1254.1001,"sentiment":"neutral","sentiment_score":0.0605795755982399},{"text":"Now with your portfolio, having a look at the first page there, all of your investors are performing very, very nicely.","start":1254.4,"end":1262.625,"sentiment":"neutral","sentiment_score":0.11340816460904621},{"text":"However, if you look at the Benelon Australian Equities one, that one there I flagged as underperforming.","start":1263.085,"end":1268.3049,"sentiment":"neutral","sentiment_score":-0.27973684054963727},{"text":"And the reason I can sort of tell it's underperforming is that whilst we have seen the ups and downs in the market this year, as a whole, the Australian share market is actually not doing too bad.","start":1269.085,"end":1280.63,"sentiment":"neutral","sentiment_score":-0.3086936842454107},{"text":"Equities are up at the moment, but this one investment is down and down quite a lot.","start":1280.63,"end":1285.75,"sentiment":"negative","sentiment_score":-0.35137133212650523}],"sentiment":"neutral","sentiment_score":-0.1710558118852409,"num_words":111,"start":1247.52,"end":1285.75},{"sentences":[{"text":"It's showing it's down by over 23.26%.","start":1285.75,"end":1289.255,"sentiment":"neutral","sentiment_score":-0.3310474710805075},{"text":"I went back to have a look at Bennelong and see what was happening within the fund.","start":1290.835,"end":1294.515,"sentiment":"neutral","sentiment_score":-0.1616958918816903},{"text":"They've had some underlying issues with one of their investments, so it's kind of made that fund underperform pretty heavily.","start":1294.515,"end":1301.655,"sentiment":"negative","sentiment_score":-0.3890003800392151},{"text":"I actually wanna remove that from your portfolio.","start":1302.1699,"end":1304.4299,"sentiment":"neutral","sentiment_score":-0.2957997992634773},{"text":"I don't want that there anymore.","start":1304.49,"end":1305.9299,"sentiment":"neutral","sentiment_score":-0.2729131082693736}],"sentiment":"neutral","sentiment_score":-0.2905180535182871,"num_words":58,"start":1285.75,"end":1305.9299},{"sentences":[{"text":"I do have to update the advice to make that change for you, but I would like to have that removed out of your portfolio.","start":1305.9299,"end":1313.15,"sentiment":"neutral","sentiment_score":-0.11286382377147675},{"text":"One of the big things with why Benelon was in there is the investment manager is an actively it's an actively managed fund.","start":1314.09,"end":1321.635,"sentiment":"neutral","sentiment_score":-0.14940329705891403},{"text":"So inside the Benelon Australian Equities investment, they are trying to buy and sell.","start":1321.635,"end":1327.155,"sentiment":"neutral","sentiment_score":-0.1288677155971527},{"text":"They are trying to pick the top and the bottom of the market.","start":1327.155,"end":1329.395,"sentiment":"neutral","sentiment_score":0.03405889496207237},{"text":"They are trying to buy undervalued stocks.","start":1329.395,"end":1331.9751,"sentiment":"neutral","sentiment_score":0.004098943301609584}],"sentiment":"neutral","sentiment_score":-0.09256781960224233,"num_words":82,"start":1305.9299,"end":1331.9751},{"sentences":[{"text":"They generally hold anywhere between 15 to 25 different investment options, but this year, they have not performed very well.","start":1332.54,"end":1340.0801,"sentiment":"neutral","sentiment_score":-0.03225980643182993},{"text":"They had, up until COVID, a very good rate of return.","start":1340.7001,"end":1344.2201,"sentiment":"positive","sentiment_score":0.3431066640398719},{"text":"They were performing phenomenally.","start":1344.2201,"end":1346.655,"sentiment":"positive","sentiment_score":0.6440892815589905},{"text":"I think their rate of return was about 30% in about three to five years, which is fantastic for them.","start":1347.115,"end":1352.975,"sentiment":"positive","sentiment_score":0.5020581871271134},{"text":"But most recently, they haven't been able to keep ahead as it has, and they're not outperforming against the market.","start":1353.355,"end":1359.695,"sentiment":"neutral","sentiment_score":-0.29189294278621675}],"sentiment":"neutral","sentiment_score":0.13211518918474516,"num_words":75,"start":1332.54,"end":1359.695},{"sentences":[{"text":"As much as you could hold that investment and wait for it to come back and recover, I don't think they're gonna recover in a hurry.","start":1360.47,"end":1367.45,"sentiment":"neutral","sentiment_score":-0.282035693526268},{"text":"One of their underlying investments, Corporate Traveler, actually came out to the market and had been a bit dishonest, which meant that Bennelong had to reevaluate that investment.","start":1367.91,"end":1377.6849,"sentiment":"negative","sentiment_score":-0.37413541014705387},{"text":"That investment is now on a trading halt, and it's being audited and investigated for what it for the what they essentially did.","start":1378.225,"end":1385.605,"sentiment":"neutral","sentiment_score":-0.30871176525302557},{"text":"So it means that because of the trading call, Van Along can't remove corporate travelers from their investment profile, but we can get you out of Van Along.","start":1386.8201,"end":1395.78,"sentiment":"neutral","sentiment_score":-0.20098125828163965},{"text":"So I would like to move that nice and quickly and get that out of your portfolio.","start":1395.78,"end":1400.04,"sentiment":"neutral","sentiment_score":0.0010959961835075836}],"sentiment":"neutral","sentiment_score":-0.25014699519169137,"num_words":122,"start":1360.47,"end":1400.04},{"sentences":[{"text":"It does unfortunately mean that we would be cementing the drop or the loss that that investment has seen, but it also is probably better to get rid of it now rather than let it go down even further and, you know, have to cement a much greater loss.","start":1400.825,"end":1415.87,"sentiment":"negative","sentiment_score":-0.3610469191050043},{"text":"Essentially, when we sort of look at this, it's about deciding whether we hold an investment for longer and wait for it to come out the other side, or do we cut the losses now, remove it from the portfolio knowing we can put you into something that's probably performing better and make that money back a little bit quicker for you?","start":1416.09,"end":1432.595,"sentiment":"neutral","sentiment_score":-0.15694560410995637},{"text":"Does that make sense?","start":1432.595,"end":1433.655,"sentiment":"neutral","sentiment_score":-0.016818156465888023},{"text":"Yeah.","start":1436.195,"end":1436.695,"sentiment":"neutral","sentiment_score":0.10632658749818802},{"text":"Yeah.","start":1436.835,"end":1437.335,"sentiment":"neutral","sentiment_score":0.11736220866441728}],"sentiment":"neutral","sentiment_score":-0.23303854974926028,"num_words":117,"start":1400.825,"end":1437.335},{"sentences":[{"text":"So my decision is I would love to get you out of that.","start":1437.395,"end":1440.48,"sentiment":"neutral","sentiment_score":0.13522122513789397},{"text":"I don't wanna force you into it.","start":1440.96,"end":1442.32,"sentiment":"neutral","sentiment_score":-0.0758793715919767},{"text":"If you wanna sort of hold on a bit longer and sort of see how it is in a few months, you absolutely can.","start":1442.32,"end":1447.22,"sentiment":"neutral","sentiment_score":0.06984251970425248},{"text":"But I would love to update the advice now and get that out of your portfolio and just maybe look at updating your portfolio as well because, you know, investments that have had a great track record in past may not be as good now.","start":1447.9199,"end":1460.215,"sentiment":"neutral","sentiment_score":0.07247616309258673},{"text":"Also, the Bandit property is a little bit down.","start":1460.835,"end":1463.6549,"sentiment":"neutral","sentiment_score":-0.2773248338037067}],"sentiment":"neutral","sentiment_score":0.03743310850493762,"num_words":98,"start":1437.395,"end":1463.6549},{"sentences":[{"text":"That is due to your property having a bit of a fallback in the market with the changes that have just been legislated.","start":1463.875,"end":1468.9349,"sentiment":"neutral","sentiment_score":-0.30281348461690155},{"text":"Property is having a little bit of a fallback at the moment, and we are seeing a bit of decline in that.","start":1469.315,"end":1474.78,"sentiment":"neutral","sentiment_score":-0.2589458098465746},{"text":"So it might also be worth getting removing the property investment from there and looking to diversify in other ways.","start":1475.0,"end":1481.58,"sentiment":"neutral","sentiment_score":-0.1648854598402977},{"text":"China is still a good investment, has performed not bad, but China still has quite some high tensions out there at the moment with a lot of the allied countries.","start":1482.775,"end":1494.395,"sentiment":"neutral","sentiment_score":-0.21073087267577648},{"text":"I would sort of rather be looking to get rid of China as well because it's meant to be more of a growth investment.","start":1495.0099,"end":1500.47,"sentiment":"neutral","sentiment_score":-0.21231845176468292}],"sentiment":"neutral","sentiment_score":-0.2300571107751682,"num_words":119,"start":1463.875,"end":1500.47},{"sentences":[{"text":"It's what it's called a themed investment or a themed thematic ETF, and it's put into your portfolio to try and get greater growth.","start":1500.5299,"end":1509.11,"sentiment":"neutral","sentiment_score":-0.053832262832050524},{"text":"This hasn't been able to do that, and a 3% return for an investment that's supposed to be seeing a much higher rate of return isn't really preferable, and it sort of shows that China's having a bit of issues at the moment as well.","start":1509.755,"end":1522.315,"sentiment":"negative","sentiment_score":-0.347175043159061},{"text":"So I would probably like to remove those three investments out of your portfolio and look to maybe move the money into something performing a little bit better for you and just update your portfolio as a whole.","start":1522.315,"end":1533.98,"sentiment":"neutral","sentiment_score":-0.06264574610089},{"text":"Does that sound okay, and do you have any questions?","start":1533.98,"end":1536.32,"sentiment":"neutral","sentiment_score":0.061443892493844035},{"text":"That's okay?","start":1540.215,"end":1540.9349,"sentiment":"neutral","sentiment_score":0.0648915022611618}],"sentiment":"neutral","sentiment_score":-0.15589216531512617,"num_words":119,"start":1500.5299,"end":1540.9349},{"sentences":[{"text":"Beautiful.","start":1540.9349,"end":1541.4349,"sentiment":"neutral","sentiment_score":0.2836379110813141},{"text":"The bank hybrids you have in here as well, they are a defensive investment.","start":1542.215,"end":1546.395,"sentiment":"neutral","sentiment_score":0.14322953671216965},{"text":"They are really great to have income producing.","start":1546.455,"end":1548.875,"sentiment":"positive","sentiment_score":0.45573556050658226},{"text":"I do wanna look at moving them as well just because the government's phasing those out in a couple of years.","start":1550.0901,"end":1555.79,"sentiment":"neutral","sentiment_score":0.10040765947529248},{"text":"So one of the big things with bank hybrids is they're more of a complex investment.","start":1556.3301,"end":1560.1901,"sentiment":"neutral","sentiment_score":0.024444051698083058}],"sentiment":"neutral","sentiment_score":0.14057335975424698,"num_words":60,"start":1540.9349,"end":1560.1901},{"sentences":[{"text":"So it's a bit like bonds.","start":1560.3301,"end":1562.25,"sentiment":"neutral","sentiment_score":0.030518933199346066},{"text":"You're putting money into the banks.","start":1562.25,"end":1564.335,"sentiment":"neutral","sentiment_score":0.05248685305317243},{"text":"They're utilizing that money to lend out, and they're giving you income payments or coupon payments back.","start":1565.2949,"end":1572.6749,"sentiment":"neutral","sentiment_score":0.09454009594286189},{"text":"Bank hybrids are exactly the same as bonds in that sort of aspect, but they're also traded on the ASX.","start":1573.215,"end":1578.975,"sentiment":"neutral","sentiment_score":0.08735243286937475},{"text":"So they get a bit of growth as well as income producing.","start":1578.975,"end":1581.71,"sentiment":"neutral","sentiment_score":0.274120947966973}],"sentiment":"neutral","sentiment_score":0.11707731773008088,"num_words":61,"start":1560.3301,"end":1581.71},{"sentences":[{"text":"They are seen as defensive because they're expecting a lower rate of return, and they are seen as safer or lower risk than ETFs and other investments or growth investments.","start":1582.17,"end":1594.025,"sentiment":"neutral","sentiment_score":0.17008243029316267},{"text":"However, the government has made a decision in recent months that they're gonna phase these out by 2028.","start":1594.025,"end":1599.785,"sentiment":"neutral","sentiment_score":-0.113945246156719},{"text":"So, realistically, if I'm gonna be making some changes to your portfolio now, removing some of the investors, we are best to maybe remove that as well rather than hold on to the bank hybrid.","start":1599.785,"end":1610.42,"sentiment":"neutral","sentiment_score":-0.11451615574104446},{"text":"And then in 2028, we have to move them quickly and find something else a bit faster for you.","start":1610.42,"end":1616.6799,"sentiment":"neutral","sentiment_score":-0.0680626657252249},{"text":"Okay?","start":1616.82,"end":1617.32,"sentiment":"neutral","sentiment_score":0.02678181417286396}],"sentiment":"neutral","sentiment_score":-0.021582677743388613,"num_words":103,"start":1582.17,"end":1617.32},{"sentences":[{"text":"Beautiful.","start":1619.205,"end":1619.525,"sentiment":"positive","sentiment_score":0.4518490433692932},{"text":"Do you have any questions?","start":1619.525,"end":1620.725,"sentiment":"neutral","sentiment_score":0.22212484180927278},{"text":"You're welcome to let me know if you do.","start":1620.725,"end":1622.745,"sentiment":"neutral","sentiment_score":0.2114899820751614},{"text":"Yes.","start":1627.125,"end":1627.625,"sentiment":"neutral","sentiment_score":-0.022022053599357605},{"text":"Yeah.","start":1633.6849,"end":1634.1849,"sentiment":"neutral","sentiment_score":0.15218612551689148}],"sentiment":"neutral","sentiment_score":0.2115321860593908,"num_words":17,"start":1619.205,"end":1634.1849},{"sentences":[{"text":"Yep.","start":1636.16,"end":1636.66,"sentiment":"neutral","sentiment_score":0.025155533105134964},{"text":"Yep.","start":1640.72,"end":1640.8,"sentiment":"neutral","sentiment_score":-0.015019161626696588},{"text":"No.","start":1640.8,"end":1641.3,"sentiment":"neutral","sentiment_score":-0.06472410261631012},{"text":"No.","start":1641.76,"end":1642.16,"sentiment":"neutral","sentiment_score":-0.15770447254180908},{"text":"Definitely not.","start":1642.16,"end":1643.04,"sentiment":"neutral","sentiment_score":-0.18844224512577057}],"sentiment":"neutral","sentiment_score":-0.09819611565520366,"num_words":6,"start":1636.16,"end":1643.04},{"sentences":[{"text":"I've started moving most of most of the clients out of that one, so there has been some pretty significant sell off, and that will probably just continue.","start":1643.04,"end":1650.82,"sentiment":"neutral","sentiment_score":-0.2752314678260258},{"text":"So I definitely would like to move you out of that and look at something a bit better.","start":1651.065,"end":1655.4049,"sentiment":"neutral","sentiment_score":-0.25856130984094405},{"text":"There are different ways to have yeah.","start":1656.2649,"end":1659.6449,"sentiment":"neutral","sentiment_score":-0.03095133336527007},{"text":"Sure.","start":1659.865,"end":1660.365,"sentiment":"neutral","sentiment_score":-0.0028607286512851715},{"text":"You're right.","start":1661.865,"end":1662.605,"sentiment":"neutral","sentiment_score":0.011636183364316821}],"sentiment":"neutral","sentiment_score":-0.22422914949545106,"num_words":56,"start":1643.04,"end":1662.605},{"sentences":[{"text":"Mhmm.","start":1668.38,"end":1668.88,"sentiment":"neutral","sentiment_score":0.007481242995709181},{"text":"Yeah.","start":1679.425,"end":1679.925,"sentiment":"neutral","sentiment_score":0.11800335347652437},{"text":"That's a really good question.","start":1680.0651,"end":1681.265,"sentiment":"positive","sentiment_score":0.4090346574783325},{"text":"I like it.","start":1681.265,"end":1681.8251,"sentiment":"positive","sentiment_score":0.54779052734375},{"text":"So, essentially, what we're looking for is ways to diversify your portfolio.","start":1681.8251,"end":1685.4451,"sentiment":"neutral","sentiment_score":0.2097357213497162}],"sentiment":"neutral","sentiment_score":0.28776627827689727,"num_words":22,"start":1668.38,"end":1685.4451},{"sentences":[{"text":"So, realistically, having, you know, this many investments in there is preferable.","start":1686.385,"end":1690.7251,"sentiment":"neutral","sentiment_score":-0.013284176782084009},{"text":"By looking to move Benelong, the BankHybrid, the China, and probably the Banak property as well, I would not just move them and move the money into the other investments.","start":1691.75,"end":1702.09,"sentiment":"neutral","sentiment_score":0.039513025681177774},{"text":"I would look at ways to replace those.","start":1702.1499,"end":1704.07,"sentiment":"neutral","sentiment_score":-0.047263977117836475},{"text":"So to give you a bit of an example, by moving Van Along, which currently has about 15 to 25 different investment options within that fund, I would be looking to try and build greater diversification for you.","start":1704.07,"end":1718.345,"sentiment":"neutral","sentiment_score":0.21076094084664396},{"text":"So you've also got the keywords, which is more Australian equities.","start":1718.345,"end":1722.3,"sentiment":"neutral","sentiment_score":0.2375536859035492}],"sentiment":"neutral","sentiment_score":0.1138371225173651,"num_words":99,"start":1686.385,"end":1722.3},{"sentences":[{"text":"So it's the beta shares Raffi 200.","start":1723.16,"end":1726.12,"sentiment":"neutral","sentiment_score":0.22242288504328048},{"text":"It's the it's got the ticket code QoS, QOZed.","start":1726.12,"end":1729.9801,"sentiment":"neutral","sentiment_score":0.1718367040157318},{"text":"Yep.","start":1732.4401,"end":1732.935,"sentiment":"neutral","sentiment_score":0.2331500947475433},{"text":"So that's also giving you access to 200 of the companies on the ASX.","start":1733.015,"end":1737.915,"sentiment":"neutral","sentiment_score":0.26921312298093525},{"text":"What we have been looking to do is to provide greater diversification.","start":1738.375,"end":1742.2351,"sentiment":"positive","sentiment_score":0.3910369848211606}],"sentiment":"neutral","sentiment_score":0.2743736782739329,"num_words":43,"start":1723.16,"end":1742.2351},{"sentences":[{"text":"So removing some of the old investments and maybe putting you into, say, the a 200, which gives you exposure to the top 200 companies on this day in stock market, but attracts the top 200 companies.","start":1742.6951,"end":1755.0,"sentiment":"neutral","sentiment_score":0.10894416725716076},{"text":"By doing that, similar to the S and P 500, those sorts of index funds, while they are lower risk, you can still have your high growth portfolio, still have that high risk exposure, but within that, trying to lower, you know, risk and provide greater diversification and also making sure we're tracking as many different investors as as diversification and also making sure we're tracking as many different investments as as possible.","start":1755.5399,"end":1776.89,"sentiment":"neutral","sentiment_score":0.2863190642570796},{"text":"So with sort of some of the newer portfolios that we're sort of putting people into, we're looking to make sure we have as much diversification as possible.","start":1777.27,"end":1785.5549,"sentiment":"neutral","sentiment_score":0.32804120225565775},{"text":"We're looking at anywhere from six to eight different investment options, sometimes nine, depending on what we're moving into.","start":1785.5549,"end":1791.575,"sentiment":"neutral","sentiment_score":0.2129499186810694},{"text":"We're looking at exposure globally for the whole world.","start":1791.875,"end":1795.1749,"sentiment":"neutral","sentiment_score":0.20091913640499115}],"sentiment":"neutral","sentiment_score":0.24079337484955068,"num_words":166,"start":1742.6951,"end":1795.1749},{"sentences":[{"text":"Some of the portfolios that we've been using actually incorporate an all world index.","start":1795.315,"end":1800.135,"sentiment":"neutral","sentiment_score":0.3181795594947679},{"text":"That way, we're not just picking, you know, China or The US or Australia or India.","start":1800.54,"end":1806.2201,"sentiment":"neutral","sentiment_score":0.14753473084419966},{"text":"We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future.","start":1806.2201,"end":1818.275,"sentiment":"positive","sentiment_score":0.42394440472126005},{"text":"We also keep The US exposure in there as well, and we also keep some separate Australian exposure in there as well.","start":1818.975,"end":1825.935,"sentiment":"neutral","sentiment_score":0.22038151797923175},{"text":"So it's about just making sure that you've got a good diversification.","start":1825.935,"end":1829.475,"sentiment":"positive","sentiment_score":0.5074658816059431}],"sentiment":"neutral","sentiment_score":0.32416367705198046,"num_words":94,"start":1795.315,"end":1829.475},{"sentences":[{"text":"Back in the day, back when I first started in this industry, advisers used to advise and put, you know, individual companies in it.","start":1830.57,"end":1838.1699,"sentiment":"neutral","sentiment_score":0.08139574900269508},{"text":"So you might see CBA, Westpac, you know, BHP, but those portfolios had to have 50 or 60 different individual companies to give them diversification.","start":1838.1699,"end":1847.965,"sentiment":"neutral","sentiment_score":0.07076646283268928},{"text":"We can essentially create that same diversification by having anywhere from five to 10 different investment options in a portfolio.","start":1849.065,"end":1857.085,"sentiment":"neutral","sentiment_score":0.29077461957931516},{"text":"When we are looking at those, we factor in cost.","start":1858.62,"end":1862.0,"sentiment":"neutral","sentiment_score":0.10023487359285355},{"text":"One of the big ones to factor in is CDP because just like you, your super fund does a tax return every year.","start":1863.42,"end":1869.5801,"sentiment":"neutral","sentiment_score":0.133047166077987}],"sentiment":"neutral","sentiment_score":0.13333907347245544,"num_words":102,"start":1830.57,"end":1869.5801},{"sentences":[{"text":"So whenever there is buying and selling of investments or investment switching going on, your super fund has to account for capital gains.","start":1869.5801,"end":1876.625,"sentiment":"neutral","sentiment_score":0.07029714143794516},{"text":"So when we research what we're gonna move out of the portfolio, what we're gonna replace that with, we look at what the capital gains consequences would be for your super fund.","start":1876.625,"end":1885.2849,"sentiment":"neutral","sentiment_score":0.06450623134151101},{"text":"We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money.","start":1885.6649,"end":1895.02,"sentiment":"neutral","sentiment_score":0.10001203647026649},{"text":"I've been trying to build portfolios at a much lower costing to save on investment fees.","start":1895.32,"end":1900.2999,"sentiment":"positive","sentiment_score":0.34027293138206005},{"text":"And then you've got administration fees as well, which is the platform fees for Hub 24 and their administration of that platform.","start":1900.495,"end":1907.7949,"sentiment":"neutral","sentiment_score":0.2663670547983863}],"sentiment":"neutral","sentiment_score":0.14777973707483597,"num_words":119,"start":1869.5801,"end":1907.7949},{"sentences":[{"text":"So it's about making sure you've got a good diversified range of investments, making sure you've got asset allocations in Australia, The US.","start":1908.735,"end":1916.115,"sentiment":"positive","sentiment_score":0.35809239680352417},{"text":"Japan's been really good lately, and also parts of Asia as well.","start":1918.13,"end":1922.07,"sentiment":"neutral","sentiment_score":0.226766308148702},{"text":"But then also making sure there's some global exposure in there.","start":1922.53,"end":1925.41,"sentiment":"neutral","sentiment_score":0.05871243097565391},{"text":"Physical gold has been at a thirty year high over the past few months.","start":1925.41,"end":1929.465,"sentiment":"neutral","sentiment_score":0.004091629492385047},{"text":"We have definitely been keeping physical gold in there.","start":1929.945,"end":1932.4249,"sentiment":"neutral","sentiment_score":0.08017898516522513}],"sentiment":"neutral","sentiment_score":0.17945001803446506,"num_words":69,"start":1908.735,"end":1932.4249},{"sentences":[{"text":"I know in February, it took a massive dive of 18%, and most raised in the last week or so, it has had a little bit of a dip there as well.","start":1932.4249,"end":1940.745,"sentiment":"neutral","sentiment_score":-0.11025566491298378},{"text":"But physical gold is still a good investment to have.","start":1940.745,"end":1943.645,"sentiment":"positive","sentiment_score":0.45637465417385104},{"text":"It is a growth investment, but it's also defensive in nature.","start":1944.1799,"end":1948.0199,"sentiment":"neutral","sentiment_score":0.3223493844270706},{"text":"So when you kind of think back to, like, the DSP or even COVID, when equities are seeing it very much a down point, people take money out of their portfolio and pop it in the gold and the safe haven.","start":1948.0199,"end":1959.075,"sentiment":"neutral","sentiment_score":0.06209910338426509},{"text":"So it works both ways.","start":1960.0349,"end":1961.3949,"sentiment":"neutral","sentiment_score":0.2912326917052269}],"sentiment":"neutral","sentiment_score":0.08670338576264454,"num_words":99,"start":1932.4249,"end":1961.3949},{"sentences":[{"text":"It is a growth asset, but it does work defensively as well.","start":1961.3949,"end":1964.6749,"sentiment":"positive","sentiment_score":0.3599747021993001},{"text":"So we do like to have physical gold in there.","start":1964.6749,"end":1967.1749,"sentiment":"neutral","sentiment_score":0.2900156587362289},{"text":"And then cybersecurity has taken a bit of a hit this year.","start":1967.875,"end":1971.1549,"sentiment":"neutral","sentiment_score":-0.07780018541961908},{"text":"Your portfolio has stayed up over 15%, which is fantastic.","start":1971.1549,"end":1974.8,"sentiment":"neutral","sentiment_score":0.2739097662270069},{"text":"But with what's happening between The US and Iran, cybersecurity has had a little bit of a sell off, so it's down a bit at the moment.","start":1975.66,"end":1982.56,"sentiment":"neutral","sentiment_score":-0.09901432982749409}],"sentiment":"neutral","sentiment_score":0.08946424712177733,"num_words":71,"start":1961.3949,"end":1982.56},{"sentences":[{"text":"But I do see that as still an important place to see investments.","start":1983.18,"end":1986.8,"sentiment":"neutral","sentiment_score":0.22722385709102338},{"text":"Because moving forward, we're all online.","start":1987.1449,"end":1988.9049,"sentiment":"neutral","sentiment_score":0.19641255338986716},{"text":"We do a lot of things online, and, you know, making sure we protect all of that is a really big place.","start":1988.9049,"end":1994.5249,"sentiment":"neutral","sentiment_score":0.14760953899134288},{"text":"And governments are just being throwing money in those areas over the last couple of years and will continue to do so, especially with all the the hacking scandals we've had, all the issues we've had with tech companies and things like that.","start":1995.225,"end":2008.6,"sentiment":"neutral","sentiment_score":0.004000322839115248},{"text":"So protecting our privacy is very much one of the larger issues.","start":2009.22,"end":2012.68,"sentiment":"neutral","sentiment_score":0.01868210391451915}],"sentiment":"neutral","sentiment_score":0.08099994218112745,"num_words":96,"start":1983.18,"end":2012.68},{"sentences":[{"text":"So I do see hack and cybersecurity as a good place to remain invested.","start":2012.8201,"end":2017.16,"sentiment":"neutral","sentiment_score":0.1814821655196803},{"text":"So, realistically, just off the top of my head, I would be looking to replace about four of those investments, maybe five of them, and, you know, sort of readjust the portfolio.","start":2017.3,"end":2028.705,"sentiment":"neutral","sentiment_score":0.06721168133663014},{"text":"I can see a way we can make it a bit cheaper, make sure it has been performing really well, increase your diversification across the portfolio to help lower the overall risk of the portfolio, but also keep within that high growth environment so you are still, you know, obtaining good returns moving forward.","start":2029.085,"end":2047.4049,"sentiment":"neutral","sentiment_score":0.3086733302032506},{"text":"Does that make sense?","start":2047.4049,"end":2048.4648,"sentiment":"neutral","sentiment_score":0.20137983188033104},{"text":"Yep.","start":2050.925,"end":2051.405,"sentiment":"neutral","sentiment_score":0.16987363994121552}],"sentiment":"neutral","sentiment_score":0.21271692303319772,"num_words":105,"start":2012.8201,"end":2051.405},{"sentences":[{"text":"Perfect.","start":2051.405,"end":2051.885,"sentiment":"positive","sentiment_score":0.3699207007884979},{"text":"Do you have any questions about any of that?","start":2051.885,"end":2054.125,"sentiment":"neutral","sentiment_score":0.1339118265443378},{"text":"Please let me know if you do.","start":2054.125,"end":2055.585,"sentiment":"neutral","sentiment_score":-0.002670018335006067},{"text":"No.","start":2057.005,"end":2057.505,"sentiment":"neutral","sentiment_score":-0.09339472651481628},{"text":"Yeah.","start":2058.3801,"end":2058.8801,"sentiment":"neutral","sentiment_score":0.013198853470385076}],"sentiment":"neutral","sentiment_score":0.0776969020156876,"num_words":19,"start":2051.405,"end":2058.8801},{"sentences":[{"text":"Yeah.","start":2059.5,"end":2059.98,"sentiment":"neutral","sentiment_score":0.03729194402694702},{"text":"Excellent.","start":2059.98,"end":2060.48,"sentiment":"positive","sentiment_score":0.3415449559688568},{"text":"Excellent.","start":2060.9402,"end":2061.4402,"sentiment":"neutral","sentiment_score":0.156330406665802},{"text":"So there are definitely some things to do here.","start":2061.82,"end":2064.06,"sentiment":"neutral","sentiment_score":0.15854650487502417},{"text":"I would love to, you know, go back and reassess the the portfolio for you.","start":2064.06,"end":2068.6401,"sentiment":"neutral","sentiment_score":0.29976569215456644}],"sentiment":"neutral","sentiment_score":0.23920634195760446,"num_words":27,"start":2059.5,"end":2068.6401},{"sentences":[{"text":"Essentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances.","start":2068.7002,"end":2076.875,"sentiment":"neutral","sentiment_score":0.174921151516693},{"text":"We'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be.","start":2077.255,"end":2092.77,"sentiment":"neutral","sentiment_score":0.11084723228758031},{"text":"Does that sound okay?","start":2092.77,"end":2093.91,"sentiment":"neutral","sentiment_score":0.1331810001283884},{"text":"Yep.","start":2095.17,"end":2095.67,"sentiment":"neutral","sentiment_score":0.2121070921421051},{"text":"Fantastic.","start":2096.595,"end":2097.095,"sentiment":"positive","sentiment_score":0.6519272327423096}],"sentiment":"neutral","sentiment_score":0.13922638588407066,"num_words":89,"start":2068.7002,"end":2097.095},{"sentences":[{"text":"Excellent.","start":2097.635,"end":2098.135,"sentiment":"positive","sentiment_score":0.63185715675354},{"text":"Excellent.","start":2098.275,"end":2098.775,"sentiment":"positive","sentiment_score":0.5242236852645874},{"text":"Sorry.","start":2098.835,"end":2099.335,"sentiment":"neutral","sentiment_score":0.1574368178844452},{"text":"Always stop me.","start":2099.395,"end":2100.355,"sentiment":"neutral","sentiment_score":-0.005920480936765671},{"text":"I get a little bit excited talking about super insurances.","start":2100.355,"end":2103.175,"sentiment":"neutral","sentiment_score":0.022474561631679536}],"sentiment":"neutral","sentiment_score":0.09503136458806694,"num_words":16,"start":2097.635,"end":2103.175},{"sentences":[{"text":"I'm a little bit insane.","start":2103.235,"end":2104.455,"sentiment":"neutral","sentiment_score":-0.14965623170137404},{"text":"So feel free to just stop me and ask questions or go, hang on, Dana.","start":2104.9949,"end":2108.675,"sentiment":"neutral","sentiment_score":0.02976776510477066},{"text":"I don't understand.","start":2108.675,"end":2109.4949,"sentiment":"neutral","sentiment_score":-0.1662860562403997},{"text":"I just you break that down a bit more for me.","start":2109.555,"end":2117.42,"sentiment":"neutral","sentiment_score":-0.07473900609395721},{"text":"Yeah.","start":2118.8599,"end":2119.2598,"sentiment":"neutral","sentiment_score":-0.010690415278077126}],"sentiment":"neutral","sentiment_score":-0.04666978094194617,"num_words":35,"start":2103.235,"end":2119.2598},{"sentences":[{"text":"It's okay.","start":2119.2598,"end":2120.0798,"sentiment":"neutral","sentiment_score":0.004603074863553047},{"text":"Yeah.","start":2127.185,"end":2127.685,"sentiment":"neutral","sentiment_score":-0.016834557056427002},{"text":"Yeah.","start":2132.945,"end":2133.445,"sentiment":"neutral","sentiment_score":0.02863426692783833},{"text":"The child trauma policies?","start":2140.29,"end":2141.9102,"sentiment":"neutral","sentiment_score":0.01382487453520298},{"text":"Yep.","start":2142.1301,"end":2142.6301,"sentiment":"neutral","sentiment_score":0.05546035990118981}],"sentiment":"neutral","sentiment_score":0.014640635293391015,"num_words":9,"start":2119.2598,"end":2142.6301},{"sentences":[{"text":"Yes.","start":2149.4102,"end":2149.9102,"sentiment":"neutral","sentiment_score":0.0948985368013382},{"text":"Yep.","start":2150.545,"end":2150.865,"sentiment":"neutral","sentiment_score":0.08877278864383698},{"text":"Absolutely.","start":2150.865,"end":2151.365,"sentiment":"neutral","sentiment_score":0.11049534380435944},{"text":"How did you sort of feel about the trauma policy we recommended for yourself as well?","start":2152.305,"end":2156.785,"sentiment":"neutral","sentiment_score":0.038349056732840836},{"text":"There was also that trauma policy for a hundred and twenty thousand of trauma, and we'd also link that to a bit of life cover held outside of the state for for the difference in benefits and to make it cheaper as well.","start":2156.785,"end":2168.26,"sentiment":"neutral","sentiment_score":0.060038088366042734}],"sentiment":"neutral","sentiment_score":0.056280473817981055,"num_words":62,"start":2149.4102,"end":2168.26},{"sentences":[{"text":"Do you remember that recommendation?","start":2168.5598,"end":2170.66,"sentiment":"neutral","sentiment_score":0.009037046693265438},{"text":"You're right.","start":2180.9648,"end":2181.6848,"sentiment":"neutral","sentiment_score":-0.022438567131757736},{"text":"Random race.","start":2181.6848,"end":2182.7449,"sentiment":"neutral","sentiment_score":-0.07594507560133934},{"text":"Mhmm.","start":2185.925,"end":2186.425,"sentiment":"neutral","sentiment_score":-0.001868183957412839},{"text":"Yes.","start":2187.2048,"end":2187.7048,"sentiment":"neutral","sentiment_score":0.052457764744758606}],"sentiment":"neutral","sentiment_score":-0.009181133746592835,"num_words":11,"start":2168.5598,"end":2187.7048},{"sentences":[{"text":"Yes.","start":2190.24,"end":2190.74,"sentiment":"neutral","sentiment_score":0.05082892626523971},{"text":"Yes.","start":2193.52,"end":2194.02,"sentiment":"neutral","sentiment_score":0.04078511893749237},{"text":"Yes.","start":2197.84,"end":2198.34,"sentiment":"neutral","sentiment_score":0.02305111289024353},{"text":"Yes.","start":2199.52,"end":2200.02,"sentiment":"neutral","sentiment_score":0.0647076815366745},{"text":"Yeah.","start":2200.345,"end":2200.585,"sentiment":"neutral","sentiment_score":0.11461231112480164}],"sentiment":"neutral","sentiment_score":0.05879703015089035,"num_words":5,"start":2190.24,"end":2200.585},{"sentences":[{"text":"Absolutely.","start":2200.585,"end":2201.085,"sentiment":"neutral","sentiment_score":0.20374935865402224},{"text":"It's trauma reinstatement.","start":2201.145,"end":2202.365,"sentiment":"neutral","sentiment_score":0.15212145944436392},{"text":"You you are on the ball.","start":2202.745,"end":2204.105,"sentiment":"neutral","sentiment_score":0.20371960600217184},{"text":"Exactly.","start":2204.105,"end":2204.605,"sentiment":"neutral","sentiment_score":0.09621135890483856},{"text":"So with the trauma yeah.","start":2205.065,"end":2207.385,"sentiment":"neutral","sentiment_score":0.02325466237962246}],"sentiment":"neutral","sentiment_score":0.1309322527376935,"num_words":16,"start":2200.585,"end":2207.385},{"sentences":[{"text":"So with the trauma policy, essentially, if you were diagnosed with cancer, it would pay out the lump sum benefit of the 120,000 recommended, and then it normally takes a couple of months.","start":2207.385,"end":2218.6,"sentiment":"neutral","sentiment_score":0.05332777615297924},{"text":"They normally give you twelve months.","start":2218.6,"end":2220.46,"sentiment":"neutral","sentiment_score":0.03445838329692682},{"text":"At that twelve month period, so long as you've got the trauma reinstatement option, they reinstate that trauma policy.","start":2221.0,"end":2227.5,"sentiment":"neutral","sentiment_score":0.03229414240310067},{"text":"They normally don't cover you for the same thing.","start":2228.36,"end":2230.52,"sentiment":"neutral","sentiment_score":-0.12656325764126247},{"text":"So say if you had, you know, lung cancer and you claimed on that and then the lung cancer kinda came back or increased, they wouldn't repay for the same thing.","start":2230.52,"end":2239.585,"sentiment":"neutral","sentiment_score":-0.09417257614193424}],"sentiment":"neutral","sentiment_score":-0.01508432204778097,"num_words":98,"start":2207.385,"end":2239.585},{"sentences":[{"text":"But then if you got breast cancer or, say, brain cancer or you had a stroke afterwards, then once that reinstatement is in place, you can then claim on that 120,000 again.","start":2239.585,"end":2249.64,"sentiment":"neutral","sentiment_score":0.022626183461397886},{"text":"They normally limit that to two reinstatement, but we can always look at making it more if you wanted to try and make that more.","start":2250.02,"end":2257.48,"sentiment":"neutral","sentiment_score":-0.026299449875950814},{"text":"That is an optional extra that does cost more.","start":2257.835,"end":2261.9148,"sentiment":"neutral","sentiment_score":-0.008367273542616103},{"text":"So the more reinstatements we apply to those they allow, the more that part of the policy or the more that option does cost.","start":2261.9148,"end":2269.375,"sentiment":"neutral","sentiment_score":0.03505949676036835},{"text":"But it is a good thing to have.","start":2270.01,"end":2271.55,"sentiment":"positive","sentiment_score":0.4973180964589119}],"sentiment":"neutral","sentiment_score":0.04909406995818931,"num_words":98,"start":2239.585,"end":2271.55},{"sentences":[{"text":"I personally don't think having trauma is worth it if you don't have the reinstatement just because claiming for one thing is all well and good, but then, you know, that then it's all gone.","start":2271.69,"end":2282.59,"sentiment":"negative","sentiment_score":-0.5162235804966517},{"text":"You kind of wanna be able to utilize it to the best of your advantage, as sad as that sounds when it comes to insurances.","start":2282.7651,"end":2289.745,"sentiment":"neutral","sentiment_score":-0.1998971265554428},{"text":"But, you know, trying to take the most get the most out of your cover is really important because the biggest risk we have with insurances is that we pay all this money for premiums, and then we get to 60 or 65, and they're canceled or they expire, and we've never claimed on them.","start":2291.0051,"end":2308.455,"sentiment":"neutral","sentiment_score":-0.16548101173883134},{"text":"And that's probably the best and worst case scenario.","start":2308.5352,"end":2311.595,"sentiment":"neutral","sentiment_score":-0.24061646146906746},{"text":"It's the biggest risk because we've paid out all this money for insurance that we've never claimed on.","start":2311.655,"end":2316.475,"sentiment":"negative","sentiment_score":-0.44185074004862046}],"sentiment":"neutral","sentiment_score":-0.2977857084577562,"num_words":142,"start":2271.69,"end":2316.475},{"sentences":[{"text":"The best case scenario because it means we haven't lost something.","start":2316.935,"end":2320.5552,"sentiment":"neutral","sentiment_score":0.042427800595760345},{"text":"We do do a lot of advice for clients to go through claims and do get really great payouts to, you know, to look at what to do.","start":2321.175,"end":2329.8398,"sentiment":"neutral","sentiment_score":0.18983709293284587},{"text":"However, to claim on insurance, it means you've lost something.","start":2329.8398,"end":2333.22,"sentiment":"neutral","sentiment_score":-0.30097826570272446},{"text":"For life insurance, you know, someone's passed away or terminally ill for trauma, there's been a cancer diagnosed through a stroke or something.","start":2333.52,"end":2341.185,"sentiment":"neutral","sentiment_score":-0.2525745397028716},{"text":"The income protection, someone's unable to go to work, and income protection is good to kinda cover you for that.","start":2341.405,"end":2347.0051,"sentiment":"neutral","sentiment_score":-0.11146583780646324}],"sentiment":"neutral","sentiment_score":-0.057240971930972905,"num_words":92,"start":2316.935,"end":2347.0051},{"sentences":[{"text":"But a lot of people who are on long term income protection claims, like, two years plus, they end up they can end up being a lot of mental health effects that come from that because they're not able to get back to work, and they're just sort of sitting around hoping it's gonna be okay and going through rehabilitation or going through treatment and going to the doctors all the time.","start":2347.0051,"end":2365.97,"sentiment":"negative","sentiment_score":-0.3900303728878498},{"text":"And that sort of thing really plays badly on their mental health.","start":2365.97,"end":2369.395,"sentiment":"negative","sentiment_score":-0.5893953070044518},{"text":"So it's kind of one of those insurances is kind of one of those tax 22.","start":2369.395,"end":2374.275,"sentiment":"neutral","sentiment_score":-0.09649435360915959},{"text":"You kind of wanna have it to make sure that in the event something happens, we can claim them.","start":2374.275,"end":2378.935,"sentiment":"neutral","sentiment_score":0.03467585009179617},{"text":"We've got that to fall back on, but at the same time, if we do claim, it's because we've lost something.","start":2378.9949,"end":2384.55,"sentiment":"neutral","sentiment_score":-0.036135606467723846}],"sentiment":"neutral","sentiment_score":-0.26284890552716594,"num_words":140,"start":2347.0051,"end":2384.55},{"sentences":[{"text":"Something's happened to us or we've you know?","start":2384.55,"end":2386.89,"sentiment":"neutral","sentiment_score":-0.08635578863322735},{"text":"On the upside, we get a lot of money for doing so.","start":2387.3499,"end":2389.75,"sentiment":"neutral","sentiment_score":0.1556554368386666},{"text":"So it's kind of one of those tax 22 that's a good and bad scenario.","start":2389.75,"end":2393.77,"sentiment":"neutral","sentiment_score":-0.10092145086576541},{"text":"So, yeah, but did you want me to look at the trauma aspect again for yourself, or is it more just the child trauma that's important to you at the moment?","start":2394.31,"end":2403.365,"sentiment":"neutral","sentiment_score":-0.04303504655798597},{"text":"What kind of what did you want me to look at?","start":2403.365,"end":2406.585,"sentiment":"negative","sentiment_score":-0.3932210626927289}],"sentiment":"neutral","sentiment_score":-0.07787429821955694,"num_words":77,"start":2384.55,"end":2406.585},{"sentences":[{"text":"Mhmm.","start":2411.74,"end":2412.24,"sentiment":"neutral","sentiment_score":-0.28556308150291443},{"text":"Yep.","start":2413.02,"end":2413.52,"sentiment":"neutral","sentiment_score":-0.1738893985748291},{"text":"Yep.","start":2416.46,"end":2416.96,"sentiment":"neutral","sentiment_score":-0.21715393662452695},{"text":"Yeah.","start":2420.06,"end":2420.56,"sentiment":"neutral","sentiment_score":-0.221539705991745},{"text":"Yeah.","start":2428.245,"end":2428.745,"sentiment":"neutral","sentiment_score":-0.1332358717918396}],"sentiment":"neutral","sentiment_score":-0.20627639889717103,"num_words":5,"start":2411.74,"end":2428.745},{"sentences":[{"text":"Yeah.","start":2430.645,"end":2431.145,"sentiment":"neutral","sentiment_score":-0.09340308606624605},{"text":"Yep.","start":2433.0452,"end":2433.5452,"sentiment":"neutral","sentiment_score":0.017492398619651794},{"text":"Yep.","start":2441.0798,"end":2441.5798,"sentiment":"neutral","sentiment_score":0.008066271431744099},{"text":"Yeah.","start":2442.2,"end":2442.7,"sentiment":"neutral","sentiment_score":-0.00454363040626049},{"text":"Yeah.","start":2442.76,"end":2443.26,"sentiment":"neutral","sentiment_score":-0.020435230806469917}],"sentiment":"neutral","sentiment_score":-0.018564655445516113,"num_words":5,"start":2430.645,"end":2443.26},{"sentences":[{"text":"You're right.","start":2445.48,"end":2446.2,"sentiment":"neutral","sentiment_score":0.042611755430698395},{"text":"We had some life cover added to it.","start":2446.2,"end":2448.1199,"sentiment":"neutral","sentiment_score":0.016280265292152762},{"text":"So the first policy was increasing your life TPD to a million dollars and then adding income protection to cover 70% of your income based on a weight of a 145,000 per annum, and that was all paid out of the super fund.","start":2448.1199,"end":2464.745,"sentiment":"neutral","sentiment_score":0.030301953211080198},{"text":"Then the second policy was to cover you for a 120,000 of trauma, and we linked the same amount of life cover to that because life cover paid outside of super also provides the funeral benefit With ClearView, if with having that life cover outside of super, if you were to pass away, your beneficiaries can claim up to 25,000 as a one off lump sum whilst they're going through the claim process for that life cover, and it's called an immediate expense or a funeral benefit.","start":2465.1,"end":2497.83,"sentiment":"neutral","sentiment_score":0.016993044565121334},{"text":"They pay that money down so that the funeral can be paid for so the other expenditure can be looked after in the short term whilst they're going through that life insurance claim.","start":2497.97,"end":2507.19,"sentiment":"neutral","sentiment_score":0.010594215582717548}],"sentiment":"neutral","sentiment_score":0.019343662500984408,"num_words":173,"start":2445.48,"end":2507.19},{"sentences":[{"text":"And we had linked that to the trauma policy with the same sum insured of 120,000.","start":2508.995,"end":2514.615,"sentiment":"neutral","sentiment_score":0.011035278148483485},{"text":"And then the third policy was the child trauma policy, so 100,000 for each of your kids in the event they're diagnosed with a major traumatic condition.","start":2514.675,"end":2524.07,"sentiment":"neutral","sentiment_score":-0.010165228473919409},{"text":"Yeah.","start":2527.6501,"end":2528.1501,"sentiment":"neutral","sentiment_score":-0.017027292400598526},{"text":"Yeah.","start":2531.1702,"end":2531.6702,"sentiment":"neutral","sentiment_score":0.019395282492041588},{"text":"Okay.","start":2537.325,"end":2537.825,"sentiment":"neutral","sentiment_score":0.1986767053604126}],"sentiment":"neutral","sentiment_score":0.0022423473267775516,"num_words":46,"start":2508.995,"end":2537.825},{"sentences":[{"text":"Beautiful.","start":2538.045,"end":2538.545,"sentiment":"positive","sentiment_score":0.34380972385406494},{"text":"Yeah.","start":2543.565,"end":2544.065,"sentiment":"neutral","sentiment_score":-0.006122970953583717},{"text":"Yep.","start":2544.285,"end":2544.785,"sentiment":"neutral","sentiment_score":-0.016655635088682175},{"text":"Is so you would want do you yeah.","start":2544.845,"end":2548.065,"sentiment":"neutral","sentiment_score":-0.18052928801625967},{"text":"Yeah.","start":2557.42,"end":2557.92,"sentiment":"neutral","sentiment_score":-0.03039788454771042}],"sentiment":"neutral","sentiment_score":-0.09613342257216573,"num_words":12,"start":2538.045,"end":2557.92},{"sentences":[{"text":"The life and tape a day.","start":2561.34,"end":2562.96,"sentiment":"neutral","sentiment_score":-0.11199276521801949},{"text":"Yeah.","start":2563.02,"end":2563.52,"sentiment":"neutral","sentiment_score":-0.04686299711465835},{"text":"Yeah.","start":2567.435,"end":2567.935,"sentiment":"neutral","sentiment_score":-0.03788362070918083},{"text":"Well, we can talk it through.","start":2568.0752,"end":2569.915,"sentiment":"neutral","sentiment_score":-0.0801808883746465},{"text":"So with yeah.","start":2569.915,"end":2572.955,"sentiment":"neutral","sentiment_score":-0.06388739744822185}],"sentiment":"neutral","sentiment_score":-0.08408533716026474,"num_words":17,"start":2561.34,"end":2572.955},{"sentences":[{"text":"So life cover is if you pass away.","start":2572.955,"end":2575.0352,"sentiment":"neutral","sentiment_score":-0.09010598994791508},{"text":"Correct.","start":2575.0352,"end":2575.5352,"sentiment":"neutral","sentiment_score":-0.008225840516388416},{"text":"TPD is a little bit more.","start":2576.3152,"end":2578.415,"sentiment":"neutral","sentiment_score":-0.09657283251484235},{"text":"Yeah, TBD is more if you're diagnosed with a major like a major disability and you're unable to ever go back to work again.","start":2580.03,"end":2588.4502,"sentiment":"neutral","sentiment_score":-0.216160386800766},{"text":"The thing with TBD is that it's taxed, and I don't agree with this in any way, shape, or form.","start":2588.6702,"end":2594.385,"sentiment":"negative","sentiment_score":-0.4178301177918911}],"sentiment":"neutral","sentiment_score":-0.2517451253261859,"num_words":59,"start":2572.955,"end":2594.385},{"sentences":[{"text":"I think it's disgusting.","start":2594.385,"end":2595.365,"sentiment":"negative","sentiment_score":-0.6712628751993179},{"text":"But with TBD, if you're it is.","start":2595.425,"end":2599.5051,"sentiment":"neutral","sentiment_score":-0.32735665355409893},{"text":"If you're under the age of 60 and you claim TBD and it is successful, we can also release your super, the same as your life benefit, but it means that that is taxed, and the tax is up to 22%, which is disgusting.","start":2599.5051,"end":2615.5698,"sentiment":"neutral","sentiment_score":-0.30334938706999476},{"text":"I think that's horrible.","start":2615.63,"end":2616.69,"sentiment":"negative","sentiment_score":-0.8178468942642212},{"text":"The last thing they should be doing, if you can't get back to work due to a a disability like that and you're never going back to work, then the last thing the government should be doing is taxing that.","start":2617.47,"end":2625.985,"sentiment":"negative","sentiment_score":-0.5105580121278763}],"sentiment":"negative","sentiment_score":-0.42442049665583503,"num_words":99,"start":2594.385,"end":2625.985},{"sentences":[{"text":"But, yes, it is unfortunately taxed.","start":2625.985,"end":2628.0852,"sentiment":"negative","sentiment_score":-0.43420828878879547},{"text":"It yes.","start":2628.625,"end":2631.845,"sentiment":"negative","sentiment_score":-0.4477791488170624},{"text":"That's okay.","start":2633.345,"end":2634.0852,"sentiment":"negative","sentiment_score":-0.4436836987733841},{"text":"Correct.","start":2637.69,"end":2638.19,"sentiment":"neutral","sentiment_score":-0.07142828404903412},{"text":"Yeah.","start":2638.49,"end":2638.99,"sentiment":"positive","sentiment_score":0.4774094820022583}],"sentiment":"neutral","sentiment_score":-0.33184951916337013,"num_words":12,"start":2625.985,"end":2638.99},{"sentences":[{"text":"The good thing is, as advisers, there are things that we can do.","start":2639.1301,"end":2643.05,"sentiment":"neutral","sentiment_score":0.3174602698821288},{"text":"So if you were to claim CBD, we would provide advice on how to use the funds.","start":2643.05,"end":2648.11,"sentiment":"neutral","sentiment_score":0.1455269745167564},{"text":"We can move the money from super fund to super fund to get little tax uplift and to, you know, increase the tax free benefit.","start":2648.855,"end":2655.835,"sentiment":"neutral","sentiment_score":0.19749804764986037},{"text":"We can also keep the money invested and draw out smaller increments or smaller lump sum, And there is this crazy math equation they do to work out the tax, so it could also be less than the 22%.","start":2656.2148,"end":2668.1,"sentiment":"neutral","sentiment_score":0.0641004019536269},{"text":"We just have to go on the highest marginal tax rate for that side of things.","start":2668.1,"end":2672.04,"sentiment":"neutral","sentiment_score":-0.053511308040469885}],"sentiment":"neutral","sentiment_score":0.11983752740039066,"num_words":110,"start":2639.1301,"end":2672.04},{"sentences":[{"text":"But, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying.","start":2672.9001,"end":2679.0151,"sentiment":"negative","sentiment_score":-0.44618929028511045},{"text":"It's horrible.","start":2679.155,"end":2679.7952,"sentiment":"negative","sentiment_score":-0.7195224761962891},{"text":"I don't like that in any way, table form.","start":2679.7952,"end":2681.735,"sentiment":"negative","sentiment_score":-0.4087909257246388},{"text":"Yeah.","start":2685.395,"end":2685.895,"sentiment":"neutral","sentiment_score":-0.04111942648887634},{"text":"Yeah.","start":2685.955,"end":2686.455,"sentiment":"neutral","sentiment_score":-0.03474543243646622}],"sentiment":"negative","sentiment_score":-0.42453098203986883,"num_words":28,"start":2672.9001,"end":2686.455},{"sentences":[{"text":"But your you said your mortgage is quite small at the moment.","start":2687.5552,"end":2690.84,"sentiment":"neutral","sentiment_score":-0.06856196870406468},{"text":"How much is your mortgage?","start":2691.3801,"end":2692.6602,"sentiment":"neutral","sentiment_score":-0.04706635102629662},{"text":"Because I had $3.75 last time.","start":2692.6602,"end":2695.2402,"sentiment":"neutral","sentiment_score":-0.13542852799097696},{"text":"Okay.","start":2700.5,"end":2700.9802,"sentiment":"neutral","sentiment_score":-0.04180622845888138},{"text":"No.","start":2700.9802,"end":2701.4802,"sentiment":"neutral","sentiment_score":-0.05197899043560028}],"sentiment":"neutral","sentiment_score":-0.07857727065682411,"num_words":25,"start":2687.5552,"end":2701.4802},{"sentences":[{"text":"You're fine.","start":2701.54,"end":2702.36,"sentiment":"neutral","sentiment_score":-0.028969474136829376},{"text":"Mhmm.","start":2709.345,"end":2709.845,"sentiment":"neutral","sentiment_score":-0.003947471734136343},{"text":"Yep.","start":2715.105,"end":2715.605,"sentiment":"neutral","sentiment_score":0.002581810113042593},{"text":"Yep.","start":2717.46,"end":2717.96,"sentiment":"neutral","sentiment_score":0.007486567832529545},{"text":"Okay.","start":2723.22,"end":2723.72,"sentiment":"neutral","sentiment_score":0.026528215035796165}],"sentiment":"neutral","sentiment_score":-0.004214971171071132,"num_words":6,"start":2701.54,"end":2723.72},{"sentences":[{"text":"Perfect.","start":2723.94,"end":2724.44,"sentiment":"neutral","sentiment_score":0.10865262150764464},{"text":"Yes.","start":2729.14,"end":2729.64,"sentiment":"neutral","sentiment_score":-0.054412927478551865},{"text":"Yep.","start":2730.525,"end":2731.025,"sentiment":"neutral","sentiment_score":-0.04715287685394287},{"text":"Yes.","start":2740.2048,"end":2740.7048,"sentiment":"neutral","sentiment_score":0.0017848941497504711},{"text":"Yep.","start":2742.2048,"end":2742.605,"sentiment":"neutral","sentiment_score":0.0252247117459774}],"sentiment":"neutral","sentiment_score":0.006819284614175555,"num_words":5,"start":2723.94,"end":2742.605},{"sentences":[{"text":"Yep.","start":2742.605,"end":2742.9248,"sentiment":"neutral","sentiment_score":0.03560439497232437},{"text":"That's correct.","start":2742.9248,"end":2743.7449,"sentiment":"neutral","sentiment_score":0.08711108192801476},{"text":"Perfect.","start":2743.9648,"end":2744.4648,"sentiment":"positive","sentiment_score":0.33827272057533264},{"text":"Perfect.","start":2746.5999,"end":2747.0999,"sentiment":"positive","sentiment_score":0.4322683811187744},{"text":"Excellent.","start":2747.24,"end":2747.74,"sentiment":"positive","sentiment_score":0.4871671199798584}],"sentiment":"neutral","sentiment_score":0.24458913008371988,"num_words":6,"start":2742.605,"end":2747.74},{"sentences":[{"text":"Lovely.","start":2747.88,"end":2748.38,"sentiment":"positive","sentiment_score":0.4243444800376892},{"text":"So, realistically, with having that extra money sitting in there, your mortgage is quite low.","start":2748.92,"end":2754.1199,"sentiment":"neutral","sentiment_score":0.11253587255875269},{"text":"If you look at the MetLife insurance policy, the specific other currency you have there at the moment, with your wife and TPD, you're currently at the sum insured of 863,000.","start":2754.1199,"end":2766.845,"sentiment":"neutral","sentiment_score":0.05675599159252259},{"text":"So with your super balance, to give you an idea, $8.63 $2.05 8.","start":2767.545,"end":2773.005,"sentiment":"neutral","sentiment_score":0.03784170296664039},{"text":"If you were to pass away today, your super balance of $1.83 $7.90 and 14¢ plus your MetLife life insurance, you actually technically have about a million and 47,000.","start":2773.305,"end":2787.32,"sentiment":"neutral","sentiment_score":-0.0864758894645742}],"sentiment":"neutral","sentiment_score":0.021891883199756174,"num_words":89,"start":2747.88,"end":2787.32},{"sentences":[{"text":"Correct.","start":2792.595,"end":2793.095,"sentiment":"neutral","sentiment_score":0.027885377407073975},{"text":"Yeah.","start":2793.315,"end":2793.815,"sentiment":"neutral","sentiment_score":-0.0031196512281894684},{"text":"Yep.","start":2795.395,"end":2795.875,"sentiment":"neutral","sentiment_score":-0.03684592247009277},{"text":"Yep.","start":2795.875,"end":2796.375,"sentiment":"neutral","sentiment_score":-0.09828638285398485},{"text":"Correct.","start":2805.67,"end":2806.17,"sentiment":"neutral","sentiment_score":-0.06232521682977677}],"sentiment":"neutral","sentiment_score":-0.03453835919499398,"num_words":5,"start":2792.595,"end":2806.17},{"sentences":[{"text":"Yeah.","start":2806.63,"end":2807.13,"sentiment":"neutral","sentiment_score":-0.08549173921346664},{"text":"Yeah.","start":2810.87,"end":2811.37,"sentiment":"neutral","sentiment_score":-0.01954766921699047},{"text":"Correct.","start":2811.43,"end":2811.93,"sentiment":"neutral","sentiment_score":0.07410044968128204},{"text":"You do.","start":2814.185,"end":2814.745,"sentiment":"neutral","sentiment_score":0.07140441238880157},{"text":"Yes.","start":2814.745,"end":2815.225,"sentiment":"neutral","sentiment_score":0.06221073865890503}],"sentiment":"neutral","sentiment_score":0.02901343411455552,"num_words":6,"start":2806.63,"end":2815.225},{"sentences":[{"text":"Yep.","start":2815.225,"end":2815.725,"sentiment":"neutral","sentiment_score":0.053276658058166504},{"text":"No.","start":2821.065,"end":2821.305,"sentiment":"neutral","sentiment_score":-0.21657046675682068},{"text":"That's okay.","start":2821.305,"end":2822.045,"sentiment":"neutral","sentiment_score":-0.04514068737626076},{"text":"If if we look at it to make it a bit easier for you, if we look at the the the life cover and your super balance, you've got over 1,000,047 there.","start":2822.905,"end":2831.63,"sentiment":"neutral","sentiment_score":0.05747536430135369},{"text":"If we then subtract off your mortgage, which you could yeah.","start":2831.63,"end":2835.3098,"sentiment":"neutral","sentiment_score":0.004213299432938749}],"sentiment":"neutral","sentiment_score":0.03472303761605253,"num_words":47,"start":2815.225,"end":2835.3098},{"sentences":[{"text":"You would be paid out, that leaves about $789,048.14.","start":2835.3098,"end":2842.665,"sentiment":"neutral","sentiment_score":0.025407812868555386},{"text":"That could go to your beneficiaries.","start":2843.305,"end":2844.845,"sentiment":"neutral","sentiment_score":0.03965523963173231},{"text":"Now have you look at that.","start":2845.465,"end":2846.825,"sentiment":"neutral","sentiment_score":0.04438533975432316},{"text":"We originally noted that you wanted that to be your children.","start":2846.825,"end":2849.865,"sentiment":"neutral","sentiment_score":0.03263443302024494},{"text":"Is that right?","start":2849.865,"end":2850.685,"sentiment":"neutral","sentiment_score":0.038541909928123154}],"sentiment":"neutral","sentiment_score":0.03450052243258272,"num_words":35,"start":2835.3098,"end":2850.685},{"sentences":[{"text":"Yes.","start":2853.065,"end":2853.545,"sentiment":"neutral","sentiment_score":0.048263803124427795},{"text":"And they're both of school age.","start":2853.545,"end":2855.145,"sentiment":"neutral","sentiment_score":-0.008761390849637488},{"text":"They're quite young.","start":2855.145,"end":2856.205,"sentiment":"neutral","sentiment_score":-0.03993424649039904},{"text":"Yes.","start":2858.98,"end":2859.48,"sentiment":"neutral","sentiment_score":0.038648493587970734},{"text":"In the so I'm not sure how your circumstances work, but in the advice document last year, one of the things I had in there was the beneficiary side of it.","start":2859.8599,"end":2868.66,"sentiment":"neutral","sentiment_score":-0.0760730364389958}],"sentiment":"neutral","sentiment_score":-0.058183878987273646,"num_words":42,"start":2853.065,"end":2868.66},{"sentences":[{"text":"So when children receive money as a as a beneficiary, if they're under the age of 18 or financial dependent, they actually don't receive the money up front.","start":2868.66,"end":2878.055,"sentiment":"neutral","sentiment_score":-0.12820485699921846},{"text":"So if you would have passed away today and the mortgage was paid out, that 789,000 was then available, they don't split that $50.50 and give it to your minor children.","start":2878.055,"end":2888.99,"sentiment":"neutral","sentiment_score":-0.06588167384747536},{"text":"It actually gets given to or passed through the guardian, so whoever is the guardian of the children in the event that you passed.","start":2888.99,"end":2896.3901,"sentiment":"neutral","sentiment_score":-0.00039221167874832946},{"text":"So it could be, you know, their biological father or a sister or brother or someone else.","start":2896.3901,"end":2900.825,"sentiment":"neutral","sentiment_score":-0.03085434644976083},{"text":"That then is up to them.","start":2901.605,"end":2903.5452,"sentiment":"neutral","sentiment_score":-0.016255297077198822}],"sentiment":"neutral","sentiment_score":-0.05908996827970698,"num_words":106,"start":2868.66,"end":2903.5452},{"sentences":[{"text":"Yeah.","start":2906.245,"end":2906.485,"sentiment":"neutral","sentiment_score":0.018794024363160133},{"text":"You're right.","start":2906.485,"end":2907.225,"sentiment":"neutral","sentiment_score":0.0856681577861309},{"text":"Yeah.","start":2907.605,"end":2908.105,"sentiment":"neutral","sentiment_score":0.014549648389220238},{"text":"Yeah.","start":2912.9001,"end":2913.4001,"sentiment":"neutral","sentiment_score":-0.029049154371023175},{"text":"Mhmm.","start":2922.9802,"end":2923.3,"sentiment":"neutral","sentiment_score":-0.09242960065603256}],"sentiment":"neutral","sentiment_score":0.013866872216264406,"num_words":6,"start":2906.245,"end":2923.3},{"sentences":[{"text":"Okay.","start":2923.3,"end":2923.8,"sentiment":"neutral","sentiment_score":0.006321588531136513},{"text":"Yep.","start":2925.115,"end":2925.615,"sentiment":"neutral","sentiment_score":0.013697593472898006},{"text":"Yep.","start":2935.595,"end":2936.095,"sentiment":"neutral","sentiment_score":0.08357342332601547},{"text":"Yes.","start":2937.21,"end":2937.6099,"sentiment":"neutral","sentiment_score":0.15113258361816406},{"text":"Yep.","start":2937.6099,"end":2937.93,"sentiment":"neutral","sentiment_score":0.1924574375152588}],"sentiment":"neutral","sentiment_score":0.08943652529269457,"num_words":5,"start":2923.3,"end":2937.93},{"sentences":[{"text":"And that's absolutely fine.","start":2937.93,"end":2939.21,"sentiment":"positive","sentiment_score":0.34680110961198807},{"text":"So with mine, I I'm in a very similar situation.","start":2939.21,"end":2944.09,"sentiment":"neutral","sentiment_score":-0.03329253699630499},{"text":"So I had two children to my first husband, and he couldn't keep a dollar if it was, I don't know, for anything.","start":2944.09,"end":2950.715,"sentiment":"neutral","sentiment_score":-0.20020185767308527},{"text":"He was shuffled with money.","start":2950.715,"end":2952.095,"sentiment":"negative","sentiment_score":-0.4237296223640442},{"text":"When we divorced and he didn't want anything to do with us, I made it so because in the event of me passing, my two elder children would still have to go back to him.","start":2952.395,"end":2961.7751,"sentiment":"neutral","sentiment_score":-0.20540996364184788}],"sentiment":"neutral","sentiment_score":-0.16699169476988254,"num_words":77,"start":2937.93,"end":2961.7751},{"sentences":[{"text":"So I stopped him from getting access to money through my will by making that my sister and my current husband's sister as joint executives and joint trustees of a trust.","start":2961.915,"end":2973.5999,"sentiment":"neutral","sentiment_score":-0.09209323758559843},{"text":"So all money goes into a trust.","start":2973.5999,"end":2975.1199,"sentiment":"neutral","sentiment_score":-0.004930528679064342},{"text":"He has to ask them for money, and they have to sign off to make sure it goes to the children.","start":2975.1199,"end":2980.0999,"sentiment":"neutral","sentiment_score":-0.0427615534336794},{"text":"My third child is with my current husband, and he will still have that child.","start":2981.375,"end":2985.535,"sentiment":"neutral","sentiment_score":-0.02891617442170779},{"text":"So it was kind of that making sure that my children could stay as close together as possible whilst understanding the rules, but making sure my ex husband got no money whatsoever, making sure that anything I had would be looked after.","start":2985.535,"end":2999.0999,"sentiment":"neutral","sentiment_score":-0.131386098873225}],"sentiment":"neutral","sentiment_score":-0.0839599608363391,"num_words":116,"start":2961.915,"end":2999.0999},{"sentences":[{"text":"Yeah.","start":2999.4,"end":2999.8,"sentiment":"neutral","sentiment_score":-0.10161715745925903},{"text":"Sorry.","start":2999.8,"end":3000.3,"sentiment":"neutral","sentiment_score":-0.25082290172576904},{"text":"Yeah.","start":3018.5452,"end":3019.0452,"sentiment":"neutral","sentiment_score":-0.11301717907190324},{"text":"Yeah.","start":3028.65,"end":3029.15,"sentiment":"neutral","sentiment_score":-0.0428958386182785},{"text":"Yes.","start":3044.8652,"end":3045.3652,"sentiment":"neutral","sentiment_score":0.1082913652062416}],"sentiment":"neutral","sentiment_score":-0.08001234233379365,"num_words":5,"start":2999.4,"end":3045.3652},{"sentences":[{"text":"And that's probably the step that's really important to make sure that's updated in your will is what happens when that money gets into the estate, how is it then distributed?","start":3046.3052,"end":3055.5798,"sentiment":"neutral","sentiment_score":0.11210092073006014},{"text":"Does it go into a trust and be held in a trust to be distributed to your kids at a certain time, at a certain age?","start":3055.7998,"end":3062.94,"sentiment":"neutral","sentiment_score":0.06085198257978146},{"text":"Is it distributed to, you know, your sister or your parents to, you know, look after your children?","start":3063.215,"end":3068.195,"sentiment":"neutral","sentiment_score":0.05929029112060865},{"text":"That kind of direction is really important because that governs exactly how that money is to be distributed to your children and at what age and at what portion, essentially.","start":3068.575,"end":3079.33,"sentiment":"neutral","sentiment_score":0.08071956816905489},{"text":"Yeah.","start":3081.6301,"end":3082.1301,"sentiment":"neutral","sentiment_score":0.04726763442158699}],"sentiment":"neutral","sentiment_score":0.08106943405066389,"num_words":106,"start":3046.3052,"end":3082.1301},{"sentences":[{"text":"Sure.","start":3087.7102,"end":3088.11,"sentiment":"neutral","sentiment_score":-0.08665428310632706},{"text":"Honest that's okay.","start":3088.11,"end":3090.1301,"sentiment":"neutral","sentiment_score":-0.07878031333287557},{"text":"Yeah.","start":3090.83,"end":3091.33,"sentiment":"neutral","sentiment_score":-0.07879137992858887},{"text":"The best thing to do for yeah.","start":3094.6648,"end":3098.6848,"sentiment":"neutral","sentiment_score":-0.15278983009713037},{"text":"Yep.","start":3099.785,"end":3100.285,"sentiment":"neutral","sentiment_score":-0.1788378804922104}],"sentiment":"neutral","sentiment_score":-0.1269348687850512,"num_words":13,"start":3087.7102,"end":3100.285},{"sentences":[{"text":"No.","start":3103.7048,"end":3103.865,"sentiment":"neutral","sentiment_score":-0.22659124433994293},{"text":"That's okay.","start":3103.865,"end":3104.6648,"sentiment":"neutral","sentiment_score":-0.12222089245915413},{"text":"So the best thing to do when it comes to the state planning side of things is we always recommend beneficiaries, and then we recommend how to, you know, to speak to a solicitor and how to know what to do there.","start":3104.6648,"end":3116.47,"sentiment":"neutral","sentiment_score":0.08162273892334529},{"text":"But as a solicitor, a lawyer is the best person to talk to about your will and a testamentary trust, which is a deceased trust.","start":3116.47,"end":3125.935,"sentiment":"neutral","sentiment_score":0.1335737743973732},{"text":"Accountants do living trust for self managed super funds and family trust and things like that, and that's great.","start":3126.7952,"end":3132.8152,"sentiment":"neutral","sentiment_score":0.31672245264053345}],"sentiment":"neutral","sentiment_score":0.13836171871490693,"num_words":89,"start":3103.7048,"end":3132.8152},{"sentences":[{"text":"But when it comes to the deceased estate side of things and the estate planning, I would always speak to a solicitor because they understand the estate law.","start":3133.49,"end":3143.49,"sentiment":"neutral","sentiment_score":0.007365636161661574},{"text":"They understand the legislation around that, and they can help you to structure your beneficiary nominations in the best way to incorporate what you need to do.","start":3143.49,"end":3152.9348,"sentiment":"neutral","sentiment_score":0.10534465312957764},{"text":"It does cost more to have it done that way, but I've always felt as the most it's the most valuable yeah.","start":3153.155,"end":3159.635,"sentiment":"neutral","sentiment_score":0.24050646292215044},{"text":"I think it cost me $2,500 to have my will drawn up correctly, and it was honestly the best $2 I've ever spent.","start":3159.635,"end":3167.51,"sentiment":"positive","sentiment_score":0.3762360999117727},{"text":"I walked away knowing that my kids were looked after, that everything was done, and that if anyone came out to contest my will, a judge would look at them and go, you're insane.","start":3167.51,"end":3177.1902,"sentiment":"neutral","sentiment_score":0.01542280986905098}],"sentiment":"neutral","sentiment_score":0.1307424736181413,"num_words":134,"start":3133.49,"end":3177.1902},{"sentences":[{"text":"That's not gonna happen.","start":3177.1902,"end":3178.31,"sentiment":"neutral","sentiment_score":-0.19436626136302948},{"text":"This this is going to kids.","start":3178.31,"end":3179.905,"sentiment":"neutral","sentiment_score":0.03667007014155388},{"text":"So that was kind of why I found that really, really beneficial.","start":3180.525,"end":3184.785,"sentiment":"positive","sentiment_score":0.4139448553323746},{"text":"So we always recommend on your beneficiary nominations, but then when it comes to estate planning, we recommend you set up a will and power attorney and guardianship, but we recommend you speak to a solicitor to do that.","start":3185.165,"end":3197.07,"sentiment":"neutral","sentiment_score":0.15869055229883927},{"text":"That way, you're getting it done correctly.","start":3197.29,"end":3199.1501,"sentiment":"neutral","sentiment_score":0.17398848065308162}],"sentiment":"neutral","sentiment_score":0.1737756550531177,"num_words":68,"start":3177.1902,"end":3199.1501},{"sentences":[{"text":"Yeah.","start":3199.53,"end":3200.03,"sentiment":"neutral","sentiment_score":0.058831095695495605},{"text":"Yeah.","start":3202.6501,"end":3203.1501,"sentiment":"neutral","sentiment_score":0.09575627744197844},{"text":"Easy.","start":3205.385,"end":3205.885,"sentiment":"neutral","sentiment_score":0.21040290594100952},{"text":"And with the with the advice document if you want, what I'll do is I'll download this advice document that I sent in January.","start":3206.025,"end":3212.425,"sentiment":"neutral","sentiment_score":0.08854386117309332},{"text":"It has expired now, so I can always update the new one for you.","start":3212.425,"end":3216.285,"sentiment":"neutral","sentiment_score":0.06552401770438467}],"sentiment":"neutral","sentiment_score":0.08310680963644167,"num_words":41,"start":3199.53,"end":3216.285},{"sentences":[{"text":"But I I can resend this to you so you can have a look at what we had recommended, the reasoning behind it, and that way you can ask any additional questions you have.","start":3217.305,"end":3227.43,"sentiment":"neutral","sentiment_score":0.15087086729267063},{"text":"And it's still good it's still good to go through and have a read and look at what was recommended last time for you.","start":3227.8901,"end":3233.01,"sentiment":"neutral","sentiment_score":0.31813650640348595},{"text":"Is that okay?","start":3233.01,"end":3233.9102,"sentiment":"neutral","sentiment_score":0.16016129652659097},{"text":"Yes.","start":3236.075,"end":3236.4749,"sentiment":"neutral","sentiment_score":0.26186853647232056},{"text":"Beautiful.","start":3236.4749,"end":3236.9749,"sentiment":"positive","sentiment_score":0.5389624238014221}],"sentiment":"neutral","sentiment_score":0.22295556335695207,"num_words":63,"start":3217.305,"end":3236.9749},{"sentences":[{"text":"Excellent.","start":3237.1948,"end":3237.6948,"sentiment":"positive","sentiment_score":0.5098062753677368},{"text":"So with the new advice piece now, did you want me to I'll do the super and look at switching the investments for you.","start":3238.315,"end":3246.335,"sentiment":"neutral","sentiment_score":0.1394020359342297},{"text":"I'll look at you want me to do the child trauma again for you as well?","start":3246.9548,"end":3250.87,"sentiment":"neutral","sentiment_score":0.0101642154622823},{"text":"Yep.","start":3253.09,"end":3253.4102,"sentiment":"neutral","sentiment_score":0.058701079338788986},{"text":"And we had a 100,000 for each child.","start":3253.4102,"end":3255.81,"sentiment":"neutral","sentiment_score":0.086984783411026}],"sentiment":"neutral","sentiment_score":0.09545323863625527,"num_words":50,"start":3237.1948,"end":3255.81},{"sentences":[{"text":"Do you feel like that's still okay and appropriate?","start":3255.81,"end":3258.1501,"sentiment":"neutral","sentiment_score":0.10665770785676108},{"text":"Yep.","start":3260.9302,"end":3261.375,"sentiment":"positive","sentiment_score":0.33956119418144226},{"text":"Absolutely.","start":3261.615,"end":3262.115,"sentiment":"positive","sentiment_score":0.4177694320678711},{"text":"And did you want me to still look at the trauma policy for yourself?","start":3262.975,"end":3266.415,"sentiment":"neutral","sentiment_score":0.06912024611873287},{"text":"The 120 of trauma and life outside is super?","start":3266.415,"end":3269.955,"sentiment":"neutral","sentiment_score":-0.048594882918728724}],"sentiment":"neutral","sentiment_score":0.06610527930452544,"num_words":34,"start":3255.81,"end":3269.955},{"sentences":[{"text":"Yes.","start":3279.47,"end":3279.97,"sentiment":"neutral","sentiment_score":0.07564650475978851},{"text":"That's absolutely fine.","start":3281.0698,"end":3282.2698,"sentiment":"positive","sentiment_score":0.3674226502577464},{"text":"I think one of the biggest differences and the reason we sort of link it to, a, you get that funeral benefit, which you don't get paid out of when you hold life cover inside super, you don't get those extra benefits of having the upfront cost paid out.","start":3282.2698,"end":3296.555,"sentiment":"neutral","sentiment_score":0.03179519978941095},{"text":"The the other side of that was it made the policy cheaper.","start":3297.655,"end":3300.615,"sentiment":"neutral","sentiment_score":0.2330307929466168},{"text":"The trauma health by itself as a standalone policy, whilst it doesn't normally cost very much, having a little bit of life linked to that trauma policy does give you that out of pocket cover, the funeral cover, but it also makes the trauma policy cheaper as well.","start":3300.615,"end":3316.94,"sentiment":"neutral","sentiment_score":0.24665822523335615}],"sentiment":"neutral","sentiment_score":0.15373312895375807,"num_words":113,"start":3279.47,"end":3316.94},{"sentences":[{"text":"I can look at both options and see which.","start":3317.48,"end":3319.875,"sentiment":"neutral","sentiment_score":0.0805768950117959},{"text":"You're right.","start":3319.955,"end":3320.775,"sentiment":"neutral","sentiment_score":0.04120306111872196},{"text":"Sorry.","start":3321.155,"end":3321.555,"sentiment":"neutral","sentiment_score":-0.031812187284231186},{"text":"Yeah.","start":3321.555,"end":3322.055,"sentiment":"neutral","sentiment_score":-0.007597131654620171},{"text":"Yep.","start":3326.835,"end":3327.335,"sentiment":"neutral","sentiment_score":-0.04227934405207634}],"sentiment":"neutral","sentiment_score":0.051850679596619945,"num_words":14,"start":3317.48,"end":3327.335},{"sentences":[{"text":"No.","start":3330.275,"end":3330.675,"sentiment":"neutral","sentiment_score":-0.07505758851766586},{"text":"I would probably keep it as is.","start":3330.675,"end":3332.355,"sentiment":"neutral","sentiment_score":-0.052661661856940815},{"text":"It's just an x.","start":3332.355,"end":3333.45,"sentiment":"neutral","sentiment_score":-0.02318447083234787},{"text":"Yeah, it's just an extra little bit of life.","start":3333.69,"end":3335.77,"sentiment":"neutral","sentiment_score":0.056278289606173836},{"text":"I mean, you've already got a million and 47 there.","start":3335.77,"end":3338.67,"sentiment":"neutral","sentiment_score":0.08906107172369956}],"sentiment":"neutral","sentiment_score":0.027764136091836037,"num_words":31,"start":3330.275,"end":3338.67},{"sentences":[{"text":"It just means in the event of passing, there's an extra 120,000 that's paid out to your estate, which could cover, you know, additional loans if you have a car loan to pay out, more credit cards to pay out, or if your home loan increases a little bit there as well, there's an extra sort of buffer to pay out.","start":3339.21,"end":3357.7449,"sentiment":"neutral","sentiment_score":0.0892127511686966},{"text":"You don't have to.","start":3358.285,"end":3359.325,"sentiment":"neutral","sentiment_score":0.12951860204339027},{"text":"I can just do trauma by itself if you would like to.","start":3359.325,"end":3363.54,"sentiment":"neutral","sentiment_score":0.14382747684915861},{"text":"I normally link them because it does make it cheaper.","start":3363.54,"end":3366.04,"sentiment":"neutral","sentiment_score":0.2949036225676537},{"text":"Anything that we're paying out of pocket, if we can, you know, limit the cost as much as possible, that's always a good thing.","start":3366.4202,"end":3372.04,"sentiment":"positive","sentiment_score":0.37025089375674725}],"sentiment":"neutral","sentiment_score":0.17586522186930115,"num_words":111,"start":3339.21,"end":3372.04},{"sentences":[{"text":"And these insurances, they're steps premiums.","start":3372.9001,"end":3375.465,"sentiment":"neutral","sentiment_score":0.08532771763081352},{"text":"So they do get more and more expensive as you get older because the risk of you making a claim increases.","start":3375.465,"end":3380.925,"sentiment":"neutral","sentiment_score":-0.288075654279618},{"text":"Yeah.","start":3383.625,"end":3384.125,"sentiment":"neutral","sentiment_score":0.035047031939029694},{"text":"Yeah.","start":3384.2651,"end":3384.7651,"sentiment":"neutral","sentiment_score":0.05153083056211472},{"text":"If you like, I could make the the recommendation.","start":3385.225,"end":3387.3252,"sentiment":"neutral","sentiment_score":0.06454280763864517}],"sentiment":"neutral","sentiment_score":-0.12816208691679334,"num_words":38,"start":3372.9001,"end":3387.3252},{"sentences":[{"text":"These are just recommendations.","start":3387.81,"end":3388.95,"sentiment":"neutral","sentiment_score":0.07352792005985975},{"text":"I can show you the recommendations again as a whole advice page.","start":3389.49,"end":3393.19,"sentiment":"neutral","sentiment_score":0.11012783708671729},{"text":"And on the very last page of the advice document, we always put down, like, a multiline.","start":3393.73,"end":3398.31,"sentiment":"neutral","sentiment_score":0.027613405795658335},{"text":"It's just a text box.","start":3399.25,"end":3400.485,"sentiment":"neutral","sentiment_score":0.01712723486125469},{"text":"And if there's any part of the recommendation you don't wanna go ahead with, you can always just write that in there, and we just won't go ahead with that recommendation.","start":3400.5652,"end":3408.905,"sentiment":"neutral","sentiment_score":-0.029446031778089462}],"sentiment":"neutral","sentiment_score":0.01823018569553244,"num_words":69,"start":3387.81,"end":3408.905},{"sentences":[{"text":"I could look to recommend the life and trauma policy and show you the cost of that.","start":3410.245,"end":3416.03,"sentiment":"neutral","sentiment_score":0.06021486661013435},{"text":"And then in the appendices, just put the trauma policy stand alone so you can take the two options together and sort of make up your mind as to which one's better for you.","start":3416.03,"end":3424.83,"sentiment":"neutral","sentiment_score":0.0805319447946899},{"text":"Does that sound okay?","start":3424.83,"end":3425.8901,"sentiment":"neutral","sentiment_score":0.09350326471030712},{"text":"Yep.","start":3428.4448,"end":3428.9248,"sentiment":"neutral","sentiment_score":0.17826005816459656},{"text":"Perfect.","start":3428.9248,"end":3429.4248,"sentiment":"positive","sentiment_score":0.4972309172153473}],"sentiment":"neutral","sentiment_score":0.08440776999320901,"num_words":57,"start":3410.245,"end":3429.4248},{"sentences":[{"text":"Trauma.","start":3431.7249,"end":3432.2249,"sentiment":"positive","sentiment_score":0.49462196230888367},{"text":"Beautiful.","start":3432.365,"end":3432.865,"sentiment":"positive","sentiment_score":0.5525789856910706},{"text":"And with the income protection, you sort of said that you weren't too worried about the income protection side of things at the moment.","start":3432.9248,"end":3438.765,"sentiment":"neutral","sentiment_score":0.023455501728070278},{"text":"Did you wanna kinda revisit that, or are you happy without it?","start":3438.765,"end":3441.885,"sentiment":"neutral","sentiment_score":-0.020459636657809217},{"text":"Or yep.","start":3441.885,"end":3446.04,"sentiment":"neutral","sentiment_score":-0.07255438715219498}],"sentiment":"neutral","sentiment_score":0.03048771438188851,"num_words":40,"start":3431.7249,"end":3446.04},{"sentences":[{"text":"Yep.","start":3446.98,"end":3447.48,"sentiment":"neutral","sentiment_score":-0.14704756438732147},{"text":"Yep.","start":3449.86,"end":3450.34,"sentiment":"neutral","sentiment_score":-0.006446852348744869},{"text":"That's okay.","start":3450.34,"end":3451.14,"sentiment":"neutral","sentiment_score":0.035386111587285995},{"text":"What I'll do is I'll do the income protection.","start":3451.14,"end":3454.04,"sentiment":"neutral","sentiment_score":-0.002911994440688027},{"text":"You don't wanna increase the life and pay today to 1,000,000.","start":3455.165,"end":3457.805,"sentiment":"neutral","sentiment_score":-0.024590598927302795}],"sentiment":"neutral","sentiment_score":-0.015809447155334055,"num_words":24,"start":3446.98,"end":3457.805},{"sentences":[{"text":"You're happy with this cover amount we have at the moment, aren't you?","start":3457.805,"end":3461.265,"sentiment":"neutral","sentiment_score":0.030029050934200104},{"text":"Yep.","start":3462.685,"end":3463.185,"sentiment":"neutral","sentiment_score":0.07916387915611267},{"text":"Yep.","start":3463.2449,"end":3463.565,"sentiment":"neutral","sentiment_score":0.15214276313781738},{"text":"Beautiful.","start":3463.565,"end":3464.065,"sentiment":"positive","sentiment_score":0.3998567759990692},{"text":"I'll add the income protection into the recommendation and then just to sort of show you the difference.","start":3464.605,"end":3471.1,"sentiment":"neutral","sentiment_score":0.14816993433568212}],"sentiment":"neutral","sentiment_score":0.10848823230823174,"num_words":34,"start":3457.805,"end":3471.1},{"sentences":[{"text":"And then you've also you can all you can see on this to the occurrence of the cost of it currently, so you can sort of see what it increases by.","start":3471.24,"end":3477.9001,"sentiment":"neutral","sentiment_score":0.08546584423991942},{"text":"Because the income protection is paid inside super, that's obviously effect has an effect on the projected outcome.","start":3479.24,"end":3486.335,"sentiment":"neutral","sentiment_score":-0.017987212787071865},{"text":"So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy.","start":3486.715,"end":3494.575,"sentiment":"neutral","sentiment_score":0.016082351356744767},{"text":"So you can kinda see the difference between the projected outcome with both.","start":3494.795,"end":3498.54,"sentiment":"neutral","sentiment_score":0.047576022549317434},{"text":"Is that alright?","start":3498.54,"end":3499.26,"sentiment":"neutral","sentiment_score":0.06400412321090698}],"sentiment":"neutral","sentiment_score":0.0393136754218075,"num_words":90,"start":3471.24,"end":3499.26},{"sentences":[{"text":"Does that sound okay?","start":3499.26,"end":3500.32,"sentiment":"neutral","sentiment_score":0.11326179467141628},{"text":"Yep.","start":3501.7402,"end":3502.1401,"sentiment":"neutral","sentiment_score":0.28052231669425964},{"text":"Beautiful.","start":3502.1401,"end":3502.54,"sentiment":"positive","sentiment_score":0.6667226552963257},{"text":"It kinda just gives you options to see what I'm recommending, how this meets your goal, but then in the appendices, the additional research there.","start":3502.54,"end":3510.565,"sentiment":"neutral","sentiment_score":0.2737278240919113},{"text":"So, you know, what it looks like if you don't take the income protection, you know, how that's projected forward over the next five to ten years, the trauma policy by itself.","start":3510.565,"end":3519.2852,"sentiment":"neutral","sentiment_score":0.001962642330909148}],"sentiment":"neutral","sentiment_score":0.13184590964385914,"num_words":63,"start":3499.26,"end":3519.2852},{"sentences":[{"text":"So you can kinda weigh up the cost and work out what's better for you.","start":3519.2852,"end":3522.665,"sentiment":"neutral","sentiment_score":0.005302392753461996},{"text":"Okay.","start":3522.965,"end":3523.465,"sentiment":"neutral","sentiment_score":0.18723876774311063},{"text":"Fantastic.","start":3525.61,"end":3526.11,"sentiment":"positive","sentiment_score":0.7368261814117432},{"text":"Excellent.","start":3527.77,"end":3528.27,"sentiment":"positive","sentiment_score":0.6498010158538818},{"text":"Other than that, with the the recommendations for the beneficiary side of things, in the last advice document, we had recommended that you set up your your beneficiaries as legal personal representative because you wanted everything to be split between your two children.","start":3530.01,"end":3549.385,"sentiment":"neutral","sentiment_score":0.0982127926897171}],"sentiment":"neutral","sentiment_score":0.09633691708145083,"num_words":61,"start":3519.2852,"end":3549.385},{"sentences":[{"text":"I will probably keep that recommendation exactly the same because that just means if you pass away, your life benefit and your super is paid direct to your estate.","start":3550.085,"end":3558.78,"sentiment":"neutral","sentiment_score":0.15080000961135173},{"text":"That way, everything can be incorporated into your will, and that way it's all sort of directed out to your children as per your wishes.","start":3559.24,"end":3567.34,"sentiment":"neutral","sentiment_score":0.2193545514345169},{"text":"Do you have any sort of questions or concerns about that kind of recommendation with the beneficiaries at all?","start":3567.825,"end":3573.265,"sentiment":"neutral","sentiment_score":-0.017110433723581463},{"text":"Or yeah.","start":3573.265,"end":3579.345,"sentiment":"neutral","sentiment_score":-0.014477685559540987},{"text":"It's a legal personal representative.","start":3579.345,"end":3580.9648,"sentiment":"neutral","sentiment_score":-0.0024369427002966402}],"sentiment":"neutral","sentiment_score":0.11863532174029387,"num_words":80,"start":3550.085,"end":3580.9648},{"sentences":[{"text":"So on your benefit renomination, they have a tick box called the LPR or legal personal representative, and that essentially means that in the event of you passing, your super and your life proceeds are just directed straight to your estate.","start":3581.265,"end":3595.38,"sentiment":"neutral","sentiment_score":0.042355613101546355},{"text":"They're not directed to any particular person.","start":3595.595,"end":3597.595,"sentiment":"neutral","sentiment_score":0.016438125499657223},{"text":"It just goes to your estate.","start":3597.595,"end":3599.035,"sentiment":"neutral","sentiment_score":0.049897621075312294},{"text":"It gets lumped in with all everything else, your house, your car, your savings account, and the executor of your will goes about doing a final tax return.","start":3599.035,"end":3609.375,"sentiment":"neutral","sentiment_score":0.08256615033107144},{"text":"They pay out any debts that need you to pay out, and then they distribute the funds amongst your beneficiaries.","start":3610.02,"end":3615.4001,"sentiment":"neutral","sentiment_score":0.05390176214277744}],"sentiment":"neutral","sentiment_score":0.054322747002337496,"num_words":102,"start":3581.265,"end":3615.4001},{"sentences":[{"text":"And having legal personal representative just means that your super annual life benefits are all incorporated into your will.","start":3616.34,"end":3623.62,"sentiment":"neutral","sentiment_score":0.04495305646406977},{"text":"It's basically directing it all through your will.","start":3623.62,"end":3625.755,"sentiment":"neutral","sentiment_score":0.04784507385920733},{"text":"Does that make sense?","start":3625.835,"end":3628.9548,"sentiment":"neutral","sentiment_score":0.004569639218971133},{"text":"Yep.","start":3628.9548,"end":3629.4548,"sentiment":"neutral","sentiment_score":0.007821816951036453},{"text":"Mhmm.","start":3632.795,"end":3633.295,"sentiment":"neutral","sentiment_score":0.00493115559220314}],"sentiment":"neutral","sentiment_score":0.038421217973033585,"num_words":33,"start":3616.34,"end":3633.295},{"sentences":[{"text":"It would.","start":3635.1948,"end":3635.9148,"sentiment":"neutral","sentiment_score":0.016567803919315338},{"text":"Yeah.","start":3635.9148,"end":3636.4148,"sentiment":"neutral","sentiment_score":0.03142781928181648},{"text":"Yeah.","start":3636.6348,"end":3636.9548,"sentiment":"neutral","sentiment_score":0.03066395968198776},{"text":"Yeah.","start":3636.9548,"end":3637.355,"sentiment":"neutral","sentiment_score":0.02576124668121338},{"text":"We just have that updated to replace that.","start":3637.355,"end":3639.66,"sentiment":"neutral","sentiment_score":0.01519060239661485}],"sentiment":"neutral","sentiment_score":0.018654880973582085,"num_words":13,"start":3635.1948,"end":3639.66},{"sentences":[{"text":"Because at the moment, with it being your two children, if if you were to pass away, the because they can't they're not over 18, they can't actually make the claim.","start":3639.74,"end":3650.0598,"sentiment":"neutral","sentiment_score":-0.11713763626833115},{"text":"So whoever's their guardian would have come and make the claim on their behalf, but then the money gets paid to the guardian or the guardian to split up to the children.","start":3650.0598,"end":3659.105,"sentiment":"neutral","sentiment_score":-0.09081698302179575},{"text":"So it does mean that there's a lot more discrepancy if the guardian didn't spend the money correctly or use it or give it to the children or invest it for them.","start":3659.165,"end":3668.225,"sentiment":"neutral","sentiment_score":-0.20845903549343348},{"text":"You know, that that can happen and does happen quite a lot.","start":3668.98,"end":3672.52,"sentiment":"neutral","sentiment_score":-0.008766216536362966},{"text":"You know, money families always work really well until there's money involved, and then we sort of see lots of things coming out and happening.","start":3673.1401,"end":3681.4001,"sentiment":"neutral","sentiment_score":0.01611978653818369}],"sentiment":"neutral","sentiment_score":-0.09780529736202549,"num_words":132,"start":3639.74,"end":3681.4001},{"sentences":[{"text":"So it's always good to protect everyone.","start":3681.4602,"end":3683.56,"sentiment":"neutral","sentiment_score":0.13512665352651052},{"text":"Yeah.","start":3684.875,"end":3685.375,"sentiment":"neutral","sentiment_score":0.22016051411628723},{"text":"Easy.","start":3686.635,"end":3687.135,"sentiment":"neutral","sentiment_score":0.2704475522041321},{"text":"So I will update this advice for you.","start":3687.275,"end":3689.9949,"sentiment":"neutral","sentiment_score":0.25269101932644844},{"text":"Now I do not want this to take any longer than it needs to.","start":3689.9949,"end":3693.195,"sentiment":"neutral","sentiment_score":-0.07061776146292686}],"sentiment":"neutral","sentiment_score":0.07965723016569691,"num_words":31,"start":3681.4602,"end":3693.195},{"sentences":[{"text":"So I'm gonna book you in to have this presented in about three weeks.","start":3693.195,"end":3697.835,"sentiment":"neutral","sentiment_score":0.2030866699559348},{"text":"Are you okay with that?","start":3697.835,"end":3699.2148,"sentiment":"neutral","sentiment_score":0.11366779804229736},{"text":"Yep.","start":3701.54,"end":3701.94,"sentiment":"positive","sentiment_score":0.3360961377620697},{"text":"Beautiful.","start":3701.94,"end":3702.44,"sentiment":"positive","sentiment_score":0.5572062730789185},{"text":"That way, you've got a bit of a deadline.","start":3702.66,"end":3704.5,"sentiment":"neutral","sentiment_score":0.27099372612105477}],"sentiment":"neutral","sentiment_score":0.2247932771841685,"num_words":30,"start":3693.195,"end":3704.5},{"sentences":[{"text":"As I said, I'm trying once you go and clean all of this up, I don't want things to take as long as they did last year.","start":3704.5,"end":3709.62,"sentiment":"neutral","sentiment_score":0.02647398081090715},{"text":"So I'm making sure that everyone has a little spot in there to be booked in so that there's a deadline for our team to have everything ready.","start":3709.62,"end":3717.595,"sentiment":"neutral","sentiment_score":0.29111722324575695},{"text":"So three weeks, that brings us to my goodness.","start":3718.2148,"end":3722.2349,"sentiment":"neutral","sentiment_score":0.143585334221522},{"text":"August.","start":3722.775,"end":3723.275,"sentiment":"neutral","sentiment_score":-0.010571779683232307},{"text":"One, two, three.","start":3724.775,"end":3726.2349,"sentiment":"neutral","sentiment_score":-0.02573808344701926}],"sentiment":"neutral","sentiment_score":0.14809649574625142,"num_words":68,"start":3704.5,"end":3726.2349},{"sentences":[{"text":"That brings us to the August 13.","start":3726.775,"end":3729.195,"sentiment":"neutral","sentiment_score":-0.045491219365171025},{"text":"Wow.","start":3729.415,"end":3729.915,"sentiment":"neutral","sentiment_score":-0.02497409470379353},{"text":"What day normally suits you better?","start":3731.99,"end":3734.17,"sentiment":"neutral","sentiment_score":-0.056902933244903885},{"text":"I work Monday or Thursday.","start":3740.95,"end":3742.49,"sentiment":"neutral","sentiment_score":-0.07724871933460235},{"text":"Technically don't work Friday, but if you only do Fridays, I will absolutely present Friday.","start":3744.025,"end":3749.145,"sentiment":"neutral","sentiment_score":0.02649606205523014}],"sentiment":"neutral","sentiment_score":-0.019812732222763932,"num_words":34,"start":3726.775,"end":3749.145},{"sentences":[{"text":"It's not a problem at all.","start":3749.145,"end":3750.685,"sentiment":"neutral","sentiment_score":0.03307062154635787},{"text":"Okay.","start":3753.705,"end":3754.205,"sentiment":"neutral","sentiment_score":0.12955045700073242},{"text":"Okay.","start":3760.2,"end":3760.44,"sentiment":"neutral","sentiment_score":0.11281664669513702},{"text":"Yes.","start":3760.44,"end":3760.94,"sentiment":"neutral","sentiment_score":0.14455893635749817},{"text":"That's okay.","start":3761.3198,"end":3762.22,"sentiment":"positive","sentiment_score":0.3714766204357147}],"sentiment":"neutral","sentiment_score":0.12075481910935858,"num_words":11,"start":3749.145,"end":3762.22},{"sentences":[{"text":"Absolutely.","start":3766.5999,"end":3767.0999,"sentiment":"neutral","sentiment_score":0.28256499767303467},{"text":"So Thursday is my late day.","start":3767.24,"end":3769.4,"sentiment":"neutral","sentiment_score":0.1403847150504589},{"text":"It does, unfortunately, look like I am pretty well booked out on that for the next six weeks, but I'm going to do it for you on the Wednesday.","start":3769.4,"end":3776.735,"sentiment":"neutral","sentiment_score":0.040535569190979004},{"text":"So, the Wednesday, the nineteenth.","start":3777.435,"end":3779.195,"sentiment":"neutral","sentiment_score":0.05339224487543106},{"text":"It does mean it's four weeks away, but the Wednesday, the fourteenth, I can do a late as well, and I'll pop it in there.","start":3779.195,"end":3785.93,"sentiment":"neutral","sentiment_score":0.06846484571695327}],"sentiment":"neutral","sentiment_score":0.06483313881538132,"num_words":66,"start":3766.5999,"end":3785.93},{"sentences":[{"text":"Did you want sort of four, five, or six?","start":3785.93,"end":3788.75,"sentiment":"neutral","sentiment_score":0.0166033369799455},{"text":"What time suits you better on the Wednesday for the late?","start":3789.13,"end":3792.8298,"sentiment":"neutral","sentiment_score":0.01905362697487528},{"text":"Yeah.","start":3796.17,"end":3796.67,"sentiment":"neutral","sentiment_score":0.006302383728325367},{"text":"Or it's only a Thursday sort of preferred the the late yeah.","start":3797.225,"end":3803.405,"sentiment":"neutral","sentiment_score":-0.029115363645056885},{"text":"Okay.","start":3808.585,"end":3809.085,"sentiment":"neutral","sentiment_score":0.0017257258296012878}],"sentiment":"neutral","sentiment_score":0.0005195198635406353,"num_words":34,"start":3785.93,"end":3809.085},{"sentences":[{"text":"Sorry.","start":3809.305,"end":3809.805,"sentiment":"neutral","sentiment_score":-0.04017353057861328},{"text":"Yep.","start":3815.03,"end":3815.53,"sentiment":"neutral","sentiment_score":0.04106714576482773},{"text":"Yeah.","start":3818.07,"end":3818.57,"sentiment":"neutral","sentiment_score":0.033582769334316254},{"text":"Yep.","start":3821.4302,"end":3821.9302,"sentiment":"neutral","sentiment_score":0.09125345945358276},{"text":"That's okay.","start":3822.23,"end":3823.05,"sentiment":"neutral","sentiment_score":0.1852308288216591}],"sentiment":"neutral","sentiment_score":0.08269858360290527,"num_words":6,"start":3809.305,"end":3823.05},{"sentences":[{"text":"Not a problem at all.","start":3823.11,"end":3824.07,"sentiment":"neutral","sentiment_score":0.3288775861263275},{"text":"I'll book it out for two hours.","start":3824.07,"end":3825.35,"sentiment":"neutral","sentiment_score":0.3242830548967634},{"text":"That way, if anything comes up and you need a little bit more time or you need to push it back, that way you've got plenty of time there.","start":3825.35,"end":3832.2249,"sentiment":"neutral","sentiment_score":0.20197495252921663},{"text":"So that'll be the nineteenth.","start":3832.2249,"end":3833.765,"sentiment":"neutral","sentiment_score":0.15409970730543138},{"text":"It is four weeks away, but I've got that booked in there for you.","start":3833.825,"end":3838.005,"sentiment":"neutral","sentiment_score":0.21835590712726116}],"sentiment":"neutral","sentiment_score":0.2266520695760846,"num_words":60,"start":3823.11,"end":3838.005},{"sentences":[{"text":"Beautiful.","start":3840.385,"end":3840.885,"sentiment":"positive","sentiment_score":0.6169208288192749},{"text":"Did you want me to send you the invite as well or just an email with the confirmation date and time so you can block your calendar out as well?","start":3841.92,"end":3850.0999,"sentiment":"neutral","sentiment_score":0.1691929563259085},{"text":"Yep.","start":3851.92,"end":3852.42,"sentiment":"neutral","sentiment_score":0.22614966332912445},{"text":"Perfect.","start":3852.48,"end":3852.96,"sentiment":"positive","sentiment_score":0.5620909929275513},{"text":"That's okay.","start":3852.96,"end":3853.76,"sentiment":"positive","sentiment_score":0.35657142102718353}],"sentiment":"neutral","sentiment_score":0.2055455147687878,"num_words":35,"start":3840.385,"end":3853.76},{"sentences":[{"text":"Not a problem at all.","start":3853.76,"end":3855.04,"sentiment":"neutral","sentiment_score":0.31253728866577146},{"text":"Beautiful.","start":3855.04,"end":3855.54,"sentiment":"positive","sentiment_score":0.7239765524864197},{"text":"Excellent.","start":3856.545,"end":3857.045,"sentiment":"positive","sentiment_score":0.6971234083175659},{"text":"So that's all booked in.","start":3857.345,"end":3858.625,"sentiment":"positive","sentiment_score":0.5258998930454254},{"text":"I've got a really good idea of where we're gonna go with the advice, which is fantastic.","start":3858.625,"end":3862.085,"sentiment":"positive","sentiment_score":0.6924820857889512}],"sentiment":"positive","sentiment_score":0.5994993561300738,"num_words":29,"start":3853.76,"end":3862.085},{"sentences":[{"text":"I just wanted to update a couple of additional things with regard to your back line.","start":3862.785,"end":3868.385,"sentiment":"neutral","sentiment_score":0.16840975731611252},{"text":"I know Sammy went through and updated as much as possible.","start":3868.385,"end":3871.285,"sentiment":"neutral","sentiment_score":0.11024707623503426},{"text":"I've got your income.","start":3872.21,"end":3873.3298,"sentiment":"neutral","sentiment_score":0.06026213709264994},{"text":"So they're looking at a 155,000 to focus on the income protection side of things.","start":3873.3298,"end":3878.7898,"sentiment":"neutral","sentiment_score":0.06521158665418625},{"text":"Your salary sacrifice, your oh, so sorry about that.","start":3879.5698,"end":3883.5698,"sentiment":"neutral","sentiment_score":-0.047937397120727435}],"sentiment":"neutral","sentiment_score":0.08536472235890952,"num_words":55,"start":3862.785,"end":3883.5698},{"sentences":[{"text":"My apologies.","start":3883.5698,"end":3884.2898,"sentiment":"neutral","sentiment_score":-0.11565615236759186},{"text":"Have you gone?","start":3884.2898,"end":3884.93,"sentiment":"neutral","sentiment_score":-0.04146780694524447},{"text":"No.","start":3884.93,"end":3885.0898,"sentiment":"neutral","sentiment_score":-0.02237258292734623},{"text":"You're fine.","start":3885.0898,"end":3885.795,"sentiment":"neutral","sentiment_score":0.009185875183902681},{"text":"One six five.","start":3886.275,"end":3887.7148,"sentiment":"neutral","sentiment_score":-0.002891330669323603}],"sentiment":"neutral","sentiment_score":-0.033490050012584434,"num_words":11,"start":3883.5698,"end":3887.7148},{"sentences":[{"text":"No.","start":3887.7148,"end":3887.9548,"sentiment":"neutral","sentiment_score":-0.02041870914399624},{"text":"That's okay.","start":3887.9548,"end":3888.595,"sentiment":"neutral","sentiment_score":0.016074664890766144},{"text":"Good thing we clarified that.","start":3888.595,"end":3890.295,"sentiment":"neutral","sentiment_score":0.18027750551700591},{"text":"Salary sacrifice, we're still doing $200 on a fortnightly basis.","start":3892.035,"end":3895.795,"sentiment":"neutral","sentiment_score":0.03054755348712206},{"text":"You're happy discontinuing that.","start":3895.795,"end":3897.635,"sentiment":"neutral","sentiment_score":0.051055208779871464}],"sentiment":"neutral","sentiment_score":0.06467338719151237,"num_words":22,"start":3887.7148,"end":3897.635},{"sentences":[{"text":"You didn't want us to look at increasing or altering that at all?","start":3897.635,"end":3900.835,"sentiment":"neutral","sentiment_score":-0.01902644529652137},{"text":"No?","start":3900.835,"end":3901.335,"sentiment":"neutral","sentiment_score":-0.039188310503959656},{"text":"Nope.","start":3904.6099,"end":3905.01,"sentiment":"neutral","sentiment_score":-0.02619796060025692},{"text":"That's okay.","start":3905.01,"end":3905.91,"sentiment":"neutral","sentiment_score":0.0035125352442264557},{"text":"Dedicated savings.","start":3906.45,"end":3907.65,"sentiment":"neutral","sentiment_score":0.002204130869358778}],"sentiment":"neutral","sentiment_score":-0.01585772251220126,"num_words":19,"start":3897.635,"end":3907.65},{"sentences":[{"text":"Are you finding that you've got some dedicated savings every week out of your income that you are able to put away, or are you finding it's a bit harder expenditure wise?","start":3907.65,"end":3915.75,"sentiment":"neutral","sentiment_score":-0.012407001835526899},{"text":"Yep.","start":3930.18,"end":3930.68,"sentiment":"neutral","sentiment_score":0.04417930543422699},{"text":"750 a fortnight.","start":3938.5,"end":3940.1199,"sentiment":"neutral","sentiment_score":0.03834401940306028},{"text":"Beautiful.","start":3940.26,"end":3940.76,"sentiment":"neutral","sentiment_score":0.2317625880241394},{"text":"There we go.","start":3941.38,"end":3942.26,"sentiment":"neutral","sentiment_score":0.05103529989719391}],"sentiment":"neutral","sentiment_score":0.003676394815556705,"num_words":40,"start":3907.65,"end":3942.26},{"sentences":[{"text":"Excellent.","start":3942.26,"end":3942.76,"sentiment":"neutral","sentiment_score":0.11144927144050598},{"text":"Okay.","start":3944.425,"end":3944.925,"sentiment":"neutral","sentiment_score":0.03740710765123367},{"text":"Yep.","start":3946.505,"end":3947.005,"sentiment":"neutral","sentiment_score":0.1495450735092163},{"text":"That's perfect.","start":3947.065,"end":3949.165,"sentiment":"positive","sentiment_score":0.3749161958694458},{"text":"And then I've got your share portfolio here.","start":3950.105,"end":3952.665,"sentiment":"neutral","sentiment_score":0.12013298366218805}],"sentiment":"neutral","sentiment_score":0.15456136258748862,"num_words":13,"start":3942.26,"end":3952.665},{"sentences":[{"text":"That was about 32,000 in value last time.","start":3952.665,"end":3955.865,"sentiment":"neutral","sentiment_score":0.08920199982821941},{"text":"Has that increased a little bit since then?","start":3955.865,"end":3958.125,"sentiment":"neutral","sentiment_score":0.0615006061270833},{"text":"Oh, fantastic.","start":3963.9202,"end":3964.74,"sentiment":"neutral","sentiment_score":0.18246427923440933},{"text":"37,000.","start":3965.76,"end":3966.9001,"sentiment":"neutral","sentiment_score":0.05073567479848862},{"text":"Fantastic.","start":3967.12,"end":3967.62,"sentiment":"neutral","sentiment_score":0.2670649290084839}],"sentiment":"neutral","sentiment_score":0.09441750049591065,"num_words":20,"start":3952.665,"end":3967.62},{"sentences":[{"text":"I've got your vehicle, the Santa Hyundai Santa Fe, valued at about 35,000.","start":3968.56,"end":3974.4648,"sentiment":"neutral","sentiment_score":0.07465499105791633},{"text":"What's the value?","start":3974.4648,"end":3975.1848,"sentiment":"neutral","sentiment_score":0.005534241519247492},{"text":"Would you put on that now, do you think?","start":3975.1848,"end":3976.9648,"sentiment":"neutral","sentiment_score":0.0017295007904370625},{"text":"Yep.","start":3981.345,"end":3981.845,"sentiment":"neutral","sentiment_score":-0.031827833503484726},{"text":"Yep.","start":3987.19,"end":3987.69,"sentiment":"neutral","sentiment_score":0.094619020819664}],"sentiment":"neutral","sentiment_score":0.03946201121262102,"num_words":27,"start":3968.56,"end":3987.69},{"sentences":[{"text":"Yep.","start":3992.39,"end":3992.89,"sentiment":"neutral","sentiment_score":0.18068353831768036},{"text":"That's okay.","start":3993.43,"end":3994.25,"sentiment":"positive","sentiment_score":0.3921518921852112},{"text":"Perfect.","start":3994.39,"end":3994.89,"sentiment":"positive","sentiment_score":0.5736216306686401},{"text":"And then content evaluation at 250,000.","start":3995.415,"end":3999.415,"sentiment":"neutral","sentiment_score":0.187677642951409},{"text":"Would you keep that the same?","start":3999.415,"end":4000.7952,"sentiment":"neutral","sentiment_score":0.09485788395007451}],"sentiment":"neutral","sentiment_score":0.20211388217285275,"num_words":16,"start":3992.39,"end":4000.7952},{"sentences":[{"text":"Yes.","start":4011.5898,"end":4011.8298,"sentiment":"neutral","sentiment_score":0.13974392414093018},{"text":"Yep.","start":4011.8298,"end":4012.3298,"sentiment":"neutral","sentiment_score":0.23529410362243652},{"text":"Perfect.","start":4012.39,"end":4012.89,"sentiment":"positive","sentiment_score":0.5722215175628662},{"text":"I've got all the other details here.","start":4013.91,"end":4015.8298,"sentiment":"positive","sentiment_score":0.40342576588903156},{"text":"Absolutely fine.","start":4015.8298,"end":4016.89,"sentiment":"positive","sentiment_score":0.48505666851997375}],"sentiment":"positive","sentiment_score":0.3951127702991168,"num_words":12,"start":4011.5898,"end":4016.89},{"sentences":[{"text":"Just double checking with because I'm sort of looking at the the insurance side of things again.","start":4017.51,"end":4023.115,"sentiment":"neutral","sentiment_score":0.2125562236589544},{"text":"I just wanted to clarify that being no major changes in your health since we've last done a pre assessment with you.","start":4023.115,"end":4030.895,"sentiment":"neutral","sentiment_score":0.13642153584144331},{"text":"Just sort of clarifying that oh, good.","start":4031.595,"end":4034.6501,"sentiment":"neutral","sentiment_score":-0.013460424462599414},{"text":"The only thing I have noticed he sorry.","start":4034.6501,"end":4037.37,"sentiment":"neutral","sentiment_score":-0.11673022992908955},{"text":"Right.","start":4037.37,"end":4037.87,"sentiment":"neutral","sentiment_score":-0.05047137290239334}],"sentiment":"neutral","sentiment_score":0.10065806194801222,"num_words":55,"start":4017.51,"end":4037.87},{"sentences":[{"text":"Oh, wow.","start":4047.05,"end":4047.79,"sentiment":"neutral","sentiment_score":-0.05728161334991455},{"text":"Okay.","start":4052.2651,"end":4052.7651,"sentiment":"neutral","sentiment_score":0.004878249019384384},{"text":"Yes.","start":4058.905,"end":4059.405,"sentiment":"neutral","sentiment_score":-0.0479142963886261},{"text":"Yep.","start":4059.865,"end":4060.365,"sentiment":"neutral","sentiment_score":-0.04838886111974716},{"text":"Yes.","start":4068.04,"end":4068.54,"sentiment":"neutral","sentiment_score":0.001429632306098938}],"sentiment":"neutral","sentiment_score":-0.03409308381378651,"num_words":6,"start":4047.05,"end":4068.54},{"sentences":[{"text":"Okay.","start":4075.495,"end":4075.995,"sentiment":"neutral","sentiment_score":0.009125120006501676},{"text":"Yes.","start":4081.335,"end":4081.835,"sentiment":"neutral","sentiment_score":0.033627599477767944},{"text":"Perfect.","start":4085.175,"end":4085.675,"sentiment":"positive","sentiment_score":0.3855449855327606},{"text":"Excellent.","start":4085.895,"end":4086.395,"sentiment":"neutral","sentiment_score":0.3192594647407532},{"text":"And when was your last checkup to have the moles checked?","start":4086.535,"end":4089.995,"sentiment":"neutral","sentiment_score":0.05248054421760819}],"sentiment":"neutral","sentiment_score":0.08832287707676491,"num_words":15,"start":4075.495,"end":4089.995},{"sentences":[{"text":"June?","start":4097.63,"end":4097.95,"sentiment":"neutral","sentiment_score":0.019035298377275467},{"text":"This year?","start":4097.95,"end":4098.5103,"sentiment":"neutral","sentiment_score":0.011911493726074696},{"text":"Beautiful.","start":4098.5103,"end":4099.0103,"sentiment":"neutral","sentiment_score":0.16220413148403168},{"text":"Twenty third.","start":4108.285,"end":4109.345,"sentiment":"neutral","sentiment_score":-0.01234821043908596},{"text":"Beautiful.","start":4109.405,"end":4109.885,"sentiment":"positive","sentiment_score":0.7710124254226685}],"sentiment":"neutral","sentiment_score":0.13591120312256472,"num_words":7,"start":4097.63,"end":4109.885},{"sentences":[{"text":"Awesome.","start":4109.885,"end":4110.285,"sentiment":"positive","sentiment_score":0.7465324401855469},{"text":"Thank you so much for that.","start":4110.285,"end":4111.645,"sentiment":"positive","sentiment_score":0.8173867662747701},{"text":"Lovely.","start":4111.645,"end":4111.965,"sentiment":"positive","sentiment_score":0.7438849210739136},{"text":"I'll just make sure that we're double checking everything so that in the advice, they'll keep the same as last time.","start":4111.965,"end":4117.2,"sentiment":"neutral","sentiment_score":0.24571349010581062},{"text":"We can kind of outline what's expected when it comes to, you know, the policy and writing the insurances to see get an idea of what the expectation might be.","start":4117.2,"end":4126.5,"sentiment":"neutral","sentiment_score":0.10172440695265929}],"sentiment":"neutral","sentiment_score":0.24756700779169294,"num_words":59,"start":4109.885,"end":4126.5},{"sentences":[{"text":"Easy.","start":4126.8,"end":4127.3,"sentiment":"positive","sentiment_score":0.4611719250679016},{"text":"Everything's looking really good.","start":4128.0,"end":4129.44,"sentiment":"positive","sentiment_score":0.6494007557630539},{"text":"I just also wanted to do a quick risk profile questionnaire as well.","start":4129.44,"end":4132.935,"sentiment":"neutral","sentiment_score":0.21740575822500083},{"text":"So I've answered most of these questions because, realistically, you've got shares already in your own name, and with Super, you can't access that until at least 60 at the moment.","start":4133.255,"end":4142.395,"sentiment":"neutral","sentiment_score":0.0629632088445848},{"text":"In the next sort of twelve months, if we saw the markets fall by 20% due to what was happening globally, how do you think that might make you feel?","start":4143.575,"end":4153.19,"sentiment":"neutral","sentiment_score":-0.0729507160683473}],"sentiment":"neutral","sentiment_score":0.07149857971109921,"num_words":79,"start":4126.8,"end":4153.19},{"sentences":[{"text":"Are you wanting to put more money in, take advantage of the downtime?","start":4153.19,"end":4156.73,"sentiment":"neutral","sentiment_score":-0.10756724213178341},{"text":"Are you likely to hold and wait and call us, or are you a bit nervous and wanting to cement those losses?","start":4156.95,"end":4162.0703,"sentiment":"neutral","sentiment_score":-0.1400824747979641},{"text":"How do you think you might be feeling?","start":4162.0703,"end":4167.4453,"sentiment":"neutral","sentiment_score":-0.10055527463555336},{"text":"Yep.","start":4167.585,"end":4168.085,"sentiment":"neutral","sentiment_score":0.044355764985084534},{"text":"Beautiful.","start":4169.105,"end":4169.605,"sentiment":"neutral","sentiment_score":0.20725397765636444}],"sentiment":"neutral","sentiment_score":-0.11184491217136383,"num_words":45,"start":4153.19,"end":4169.605},{"sentences":[{"text":"Excellent.","start":4170.785,"end":4171.285,"sentiment":"neutral","sentiment_score":0.2509194314479828},{"text":"The other one here and and I'm one of the things you told, Tammy, was that you were looking at maybe, you know, trying to look at other strategies like, sorry, debt recycling.","start":4172.4653,"end":4182.9697,"sentiment":"neutral","sentiment_score":0.005806822329759598},{"text":"Is that something you're still sort of planning to look at doing?","start":4183.4297,"end":4186.4697,"sentiment":"neutral","sentiment_score":-0.013916426444969451},{"text":"Or Mhmm.","start":4186.4697,"end":4193.225,"sentiment":"neutral","sentiment_score":-0.023167199455201626},{"text":"Mhmm.","start":4204.42,"end":4204.92,"sentiment":"neutral","sentiment_score":-0.005074338521808386}],"sentiment":"neutral","sentiment_score":0.00457425946037152,"num_words":49,"start":4170.785,"end":4204.92},{"sentences":[{"text":"Yes.","start":4212.74,"end":4213.24,"sentiment":"neutral","sentiment_score":-0.01162048801779747},{"text":"Yes.","start":4223.6353,"end":4224.1353,"sentiment":"neutral","sentiment_score":-0.07139597088098526},{"text":"Yes.","start":4226.77,"end":4227.27,"sentiment":"neutral","sentiment_score":-0.04802084341645241},{"text":"Yep.","start":4236.13,"end":4236.63,"sentiment":"neutral","sentiment_score":0.2278017699718475},{"text":"Yes.","start":4244.5947,"end":4244.995,"sentiment":"positive","sentiment_score":0.4409797191619873}],"sentiment":"neutral","sentiment_score":0.10754883736371994,"num_words":5,"start":4212.74,"end":4244.995},{"sentences":[{"text":"Yep.","start":4244.995,"end":4245.495,"sentiment":"positive","sentiment_score":0.4828277826309204},{"text":"Yep.","start":4249.875,"end":4250.195,"sentiment":"neutral","sentiment_score":0.2393151968717575},{"text":"Yeah.","start":4250.195,"end":4250.5947,"sentiment":"neutral","sentiment_score":0.3095141649246216},{"text":"Absolutely.","start":4250.5947,"end":4251.0947,"sentiment":"positive","sentiment_score":0.47564420104026794},{"text":"So debt recycling is very much a long term strategy.","start":4251.89,"end":4255.0303,"sentiment":"neutral","sentiment_score":0.3320720329880714}],"sentiment":"positive","sentiment_score":0.34485869109630585,"num_words":14,"start":4244.995,"end":4255.0303},{"sentences":[{"text":"I do advise on it.","start":4255.41,"end":4256.69,"sentiment":"neutral","sentiment_score":0.30246002078056333},{"text":"It is a very complex strategy to take on.","start":4256.69,"end":4259.27,"sentiment":"neutral","sentiment_score":0.14103837394052082},{"text":"It is technically a form of gearing because you are using money that you have borrowed to invest.","start":4259.89,"end":4265.43,"sentiment":"neutral","sentiment_score":0.10384577264388402},{"text":"Have you looked at how the sort of strategy works?","start":4266.795,"end":4269.995,"sentiment":"neutral","sentiment_score":0.07361924536526203},{"text":"Do you understand much about it and how it actually works?","start":4269.995,"end":4273.435,"sentiment":"neutral","sentiment_score":0.08359153128483078}],"sentiment":"neutral","sentiment_score":0.11899186178760708,"num_words":53,"start":4255.41,"end":4273.435},{"sentences":[{"text":"Just to find out.","start":4273.435,"end":4274.735,"sentiment":"neutral","sentiment_score":0.04806351661682129},{"text":"That's okay.","start":4280.85,"end":4281.5903,"sentiment":"neutral","sentiment_score":0.10103555023670197},{"text":"Mhmm.","start":4296.5747,"end":4296.655,"sentiment":"neutral","sentiment_score":0.04561285674571991},{"text":"Yep.","start":4296.655,"end":4297.155,"sentiment":"neutral","sentiment_score":0.04515325278043747},{"text":"Yes.","start":4299.215,"end":4299.715,"sentiment":"neutral","sentiment_score":0.1390872597694397}],"sentiment":"neutral","sentiment_score":0.06935317069292068,"num_words":9,"start":4273.435,"end":4299.715},{"sentences":[{"text":"Yep.","start":4299.855,"end":4300.355,"sentiment":"neutral","sentiment_score":0.13830257952213287},{"text":"Yep.","start":4309.15,"end":4309.65,"sentiment":"neutral","sentiment_score":0.05178164690732956},{"text":"That's right.","start":4310.11,"end":4310.75,"sentiment":"neutral","sentiment_score":0.02233009459450841},{"text":"Yeah.","start":4310.75,"end":4311.15,"sentiment":"neutral","sentiment_score":0.005977574735879898},{"text":"So with the yeah.","start":4311.15,"end":4312.91,"sentiment":"neutral","sentiment_score":0.046506013721227646}],"sentiment":"neutral","sentiment_score":0.04741622724880775,"num_words":9,"start":4299.855,"end":4312.91},{"sentences":[{"text":"So there's one of two ways of doing it to start with is that you can utilize and borrow more against equity.","start":4312.91,"end":4318.9653,"sentiment":"neutral","sentiment_score":0.10534137521277774},{"text":"So you release some of the equity in your property.","start":4318.9653,"end":4321.225,"sentiment":"neutral","sentiment_score":0.0725863043218851},{"text":"Say, they normally like between sort of 50 to a 100,000 to start because you get much better tax advantages that way, or you can be paying down more onto your loan.","start":4321.285,"end":4332.9,"sentiment":"neutral","sentiment_score":0.08983700792305171},{"text":"That either the equity release or if you pay more onto the loan, you need to split that off from your main loan.","start":4333.6997,"end":4339.78,"sentiment":"neutral","sentiment_score":0.017433280125260353},{"text":"So you end up with a secondary investment loan.","start":4339.78,"end":4342.36,"sentiment":"neutral","sentiment_score":0.07034503627154562}],"sentiment":"neutral","sentiment_score":0.07241904500794287,"num_words":96,"start":4312.91,"end":4342.36},{"sentences":[{"text":"If you put, say, 50 or 60,000 onto your actual mortgage, that is redrawn off, and the loan is split.","start":4342.9,"end":4350.275,"sentiment":"neutral","sentiment_score":0.006210852321237326},{"text":"So they have to split the loan so you have a separate 50 or $60,000 loan, and that money has to be physically redrawn off your mortgage.","start":4350.275,"end":4358.215,"sentiment":"neutral","sentiment_score":-0.0026610024894277253},{"text":"That way, it is used for investing purposes.","start":4358.275,"end":4360.5347,"sentiment":"neutral","sentiment_score":0.15563821978867054},{"text":"With equity release, they do have a separate equity loan.","start":4360.915,"end":4363.895,"sentiment":"neutral","sentiment_score":0.1023300640285015},{"text":"That money is, again, withdrawn off the loan.","start":4364.3896,"end":4367.4497,"sentiment":"neutral","sentiment_score":0.06144177820533514}],"sentiment":"neutral","sentiment_score":0.038524802786948746,"num_words":73,"start":4342.9,"end":4367.4497},{"sentences":[{"text":"It has to be put onto the actual home loan then redrawn off for it to work.","start":4368.15,"end":4372.73,"sentiment":"neutral","sentiment_score":0.07271949705832145},{"text":"Then we invest that in a portfolio very similar to what you've got in your super debt into shared portfolio.","start":4373.03,"end":4378.4097,"sentiment":"neutral","sentiment_score":0.12765987999737263},{"text":"That money is sitting there.","start":4379.7847,"end":4381.7046,"sentiment":"neutral","sentiment_score":0.1133817732334137},{"text":"We can do it one of two ways, is we can have the income drawn out of the investment portfolio on a regular basis, and that gets paid into your main primary loan.","start":4381.7046,"end":4391.485,"sentiment":"neutral","sentiment_score":0.15439398135199692},{"text":"You're actually paying back the interest and the principal if it's the loan set up that way on the investment side of things, but you're still paying back your nondeductible loan for your main primary mortgage debt.","start":4391.83,"end":4402.65,"sentiment":"neutral","sentiment_score":0.1547725049627794}],"sentiment":"neutral","sentiment_score":0.13551716057450644,"num_words":112,"start":4368.15,"end":4402.65},{"sentences":[{"text":"The the income and the growth is then taken or whatever you get.","start":4402.79,"end":4407.105,"sentiment":"neutral","sentiment_score":0.12306061043189122},{"text":"So say you've got a, you know, 10% return for that year, the 10% difference on the growth in the income from your investment loan or from your investment is deducted and put onto your main primary residence, and then the whole process starts again.","start":4407.105,"end":4422.19,"sentiment":"neutral","sentiment_score":0.09032163694500923},{"text":"You then split that loan, and then that money gets invested, and the same thing happens again.","start":4422.19,"end":4427.47,"sentiment":"neutral","sentiment_score":0.05786901120753849},{"text":"And it's essentially a cycle.","start":4427.47,"end":4428.83,"sentiment":"neutral","sentiment_score":0.028888832405209543},{"text":"It happens every 12 months.","start":4428.83,"end":4430.69,"sentiment":"neutral","sentiment_score":0.0014941290020942688}],"sentiment":"neutral","sentiment_score":0.0799994070082903,"num_words":85,"start":4402.79,"end":4430.69},{"sentences":[{"text":"I have in the past worked that that income is just taken directly out of the investment and put straight onto the main primary residence line because then you see income being paid out regularly.","start":4431.79,"end":4443.595,"sentiment":"neutral","sentiment_score":0.06904318173016821},{"text":"It can happen every 12 months.","start":4444.695,"end":4446.455,"sentiment":"neutral","sentiment_score":0.040969655538598694},{"text":"We like it to happen every 12 months, but times with market ups and downs, it means that you can't split the second part of the loan or chain or do the next part of the cycle for one or two or three years.","start":4446.455,"end":4458.7603,"sentiment":"neutral","sentiment_score":-0.04828962052918293},{"text":"There is always a risk that when markets are down or not performing as well, that the rate of return you're receiving in the portfolio is less than you're paying on the actual loans itself as well, so you end up paying more in interest.","start":4459.46,"end":4471.9453,"sentiment":"negative","sentiment_score":-0.37844206359651356},{"text":"That is a risk to it.","start":4472.565,"end":4473.9253,"sentiment":"negative","sentiment_score":-0.539715771873792}],"sentiment":"neutral","sentiment_score":-0.14507795222487083,"num_words":136,"start":4431.79,"end":4473.9253},{"sentences":[{"text":"Yeah.","start":4473.9253,"end":4474.4253,"sentiment":"neutral","sentiment_score":-0.0500367172062397},{"text":"And it's it's definitely a long term strategy.","start":4474.77,"end":4477.09,"sentiment":"neutral","sentiment_score":0.14156418200582266},{"text":"So I know some advisers out there try to do it in three or four or five years.","start":4477.09,"end":4481.01,"sentiment":"neutral","sentiment_score":0.1078732382092211},{"text":"I personally like to be more conservative with projecting, and I know the risks and understand markets quite well.","start":4481.01,"end":4487.73,"sentiment":"neutral","sentiment_score":0.1537887681471674},{"text":"So I know that markets do have downtime.","start":4487.73,"end":4490.07,"sentiment":"neutral","sentiment_score":-0.14476629067212343}],"sentiment":"neutral","sentiment_score":0.08866761659306509,"num_words":54,"start":4473.9253,"end":4490.07},{"sentences":[{"text":"So I do like to do it over more of a ten to twenty year period.","start":4491.225,"end":4494.7646,"sentiment":"neutral","sentiment_score":-0.03843955299817026},{"text":"It is more it is more conservative that way.","start":4494.8247,"end":4498.7646,"sentiment":"neutral","sentiment_score":0.09719579252931806},{"text":"You can pay the loan down a lot faster if markets perform better, but it's just more of a realistic understanding that markets don't always have good years.","start":4498.8247,"end":4506.3647,"sentiment":"neutral","sentiment_score":-0.021869607868471315},{"text":"Generally, every seven to ten years, we do expect a big negative drop.","start":4506.96,"end":4510.98,"sentiment":"negative","sentiment_score":-0.35474596803004926},{"text":"And if we think back to the GFC, that was a huge drop of around 60% in the market, but it took six to seven years for the market to recover from that.","start":4511.28,"end":4519.455,"sentiment":"negative","sentiment_score":-0.42099721052429895}],"sentiment":"neutral","sentiment_score":-0.1904770229011774,"num_words":99,"start":4491.225,"end":4519.455},{"sentences":[{"text":"So it is a realistic view of investing, but debt recycling is a great strategy.","start":4519.455,"end":4525.395,"sentiment":"positive","sentiment_score":0.4246805141369502},{"text":"It doesn't pay the your main primary residence off any faster.","start":4525.615,"end":4529.535,"sentiment":"neutral","sentiment_score":0.2334605794061314},{"text":"It just changes your your loan structure.","start":4529.535,"end":4532.22,"sentiment":"neutral","sentiment_score":0.2334394816841398},{"text":"So it goes from being a non tax deductible debt into a tax deductible debt depending on what happens at the end of that loan.","start":4532.22,"end":4539.9,"sentiment":"neutral","sentiment_score":0.19531356036663056},{"text":"Some people prefer to take the principal out and pay the loan off completely and keep, you know, the investment open with whatever growth and income they've received.","start":4539.9,"end":4549.755,"sentiment":"neutral","sentiment_score":0.22147395435188497}],"sentiment":"neutral","sentiment_score":0.25181930451545603,"num_words":86,"start":4519.455,"end":4549.755},{"sentences":[{"text":"Other people prefer to just kinda keep it open permanently.","start":4549.895,"end":4552.635,"sentiment":"neutral","sentiment_score":0.19995549619197844},{"text":"It just sort of comes down to what your goals are and how that strategy works best for you.","start":4553.655,"end":4558.5547,"sentiment":"positive","sentiment_score":0.3344728585920836},{"text":"The other option is obviously buying an investment property.","start":4559.33,"end":4562.71,"sentiment":"neutral","sentiment_score":0.08192509743902418},{"text":"I know with the changes in what's happened over the past couple of months, as of June, it does make it a little bit harder.","start":4563.33,"end":4571.03,"sentiment":"neutral","sentiment_score":-0.17345087498426437},{"text":"We still can utilize negative gearing if you are looking at purchasing a brand new residence.","start":4571.495,"end":4577.195,"sentiment":"neutral","sentiment_score":-0.04749748879112303}],"sentiment":"neutral","sentiment_score":0.0505776386943799,"num_words":79,"start":4549.895,"end":4577.195},{"sentences":[{"text":"So if you buy a new home and it's built, you can still utilize negative gearing moving forward.","start":4577.255,"end":4583.115,"sentiment":"neutral","sentiment_score":0.054069827828142375},{"text":"And, I mean, with the new changes, I don't a 100% hate them.","start":4584.22,"end":4588.24,"sentiment":"neutral","sentiment_score":-0.053127228640593015},{"text":"I did read through the legislation when it came out, and, realistically, it's not a bad strategy.","start":4588.38,"end":4594.14,"sentiment":"neutral","sentiment_score":0.14112788263489218},{"text":"It's not a bad structure.","start":4594.14,"end":4595.44,"sentiment":"neutral","sentiment_score":0.2009672164916992},{"text":"It just means that if you're looking to say and I'm finding this is probably changing a lot of the way investors think about property because property does grow at a pretty significant rate over longer term.","start":4595.82,"end":4608.745,"sentiment":"neutral","sentiment_score":0.21354920517753911}],"sentiment":"neutral","sentiment_score":0.12875481785999404,"num_words":90,"start":4577.255,"end":4608.745},{"sentences":[{"text":"So I have got a few clients who are now looking at just holding properties for, say, the next five, ten, twenty years, getting to retirement and selling that off.","start":4608.745,"end":4617.96,"sentiment":"neutral","sentiment_score":0.20484352658192317},{"text":"And if it's not a new build with the with the negative gearing not being a factor anymore, they essentially make your loan continuously neutrally geared.","start":4618.3403,"end":4628.5947,"sentiment":"neutral","sentiment_score":0.07412847489691697},{"text":"So if you, you know, earn income from the property of 20,000 and your expenditures are 30,000, they make it neutrally geared on your tax return, so your expenses are no more than 20,000.","start":4628.5947,"end":4641.255,"sentiment":"neutral","sentiment_score":0.2980162847568007},{"text":"And the extra 10,000 is, you know, capital set.","start":4641.59,"end":4645.67,"sentiment":"neutral","sentiment_score":0.30361846254931557},{"text":"It's held.","start":4645.67,"end":4646.73,"sentiment":"neutral","sentiment_score":0.1968584582209587}],"sentiment":"neutral","sentiment_score":0.21120280104846056,"num_words":101,"start":4608.745,"end":4646.73},{"sentences":[{"text":"You know?","start":4646.8696,"end":4647.61,"sentiment":"neutral","sentiment_score":0.14910432696342468},{"text":"The losses just continuously build until you sell the property, and then they subtract any previous losses off the gain.","start":4648.3896,"end":4657.05,"sentiment":"neutral","sentiment_score":0.1302444353699684},{"text":"So it can reduce your capital gain at the end of it.","start":4657.4453,"end":4659.9253,"sentiment":"neutral","sentiment_score":0.29449623202284175},{"text":"It's actually not bad.","start":4659.9253,"end":4661.145,"sentiment":"positive","sentiment_score":0.38030897080898285},{"text":"Yeah.","start":4664.0854,"end":4664.5854,"sentiment":"neutral","sentiment_score":0.07005801796913147}],"sentiment":"neutral","sentiment_score":0.20585502684116364,"num_words":39,"start":4646.8696,"end":4664.5854},{"sentences":[{"text":"Yeah.","start":4667.205,"end":4667.705,"sentiment":"neutral","sentiment_score":0.0265616737306118},{"text":"So it's it's essentially a difference no.","start":4672.98,"end":4675.94,"sentiment":"neutral","sentiment_score":-0.12146894208022527},{"text":"It's that it's honestly not.","start":4675.94,"end":4677.38,"sentiment":"neutral","sentiment_score":-0.21713134944438933},{"text":"I promise you.","start":4677.38,"end":4678.1,"sentiment":"neutral","sentiment_score":-0.06854478269815445},{"text":"It's definitely not.","start":4678.1,"end":4679.1597,"sentiment":"neutral","sentiment_score":-0.13440769662459692}],"sentiment":"neutral","sentiment_score":-0.13253868979058767,"num_words":19,"start":4667.205,"end":4679.1597},{"sentences":[{"text":"It's the difference between what you earn in income from the property versus what you're expenditure is.","start":4679.3,"end":4685.1597,"sentiment":"neutral","sentiment_score":0.011109727270462933},{"text":"So when you think about property, your income is the rent you receive from that property.","start":4685.435,"end":4689.775,"sentiment":"neutral","sentiment_score":0.1033819648437202},{"text":"Your expenditure is everything you spend on that.","start":4690.155,"end":4693.195,"sentiment":"neutral","sentiment_score":0.2276742421090603},{"text":"So with the the loan you have for the property, the the principal you pay back is not tax deductible, but the interest is.","start":4693.195,"end":4702.22,"sentiment":"neutral","sentiment_score":0.23206102817008892},{"text":"So you can claim the interest you're paying back on the loan, the management fees if you have a real estate agent looking after the management of it, your insurance is on the property, your council rates on the property, if you have someone come and mow the lawn once or twice a week, if you, you know, have to replace things, if you get a painter to come in and do things, if you have to fix the water heater or get, you know, solar panels and things on the property, any maintenance of things that you do to the property, all of that is considered your expenditure, your water bills, if it's, you know, a raised any home and you pay water.","start":4702.22,"end":4737.19,"sentiment":"neutral","sentiment_score":-0.05663495609957364}],"sentiment":"neutral","sentiment_score":0.011698946337062846,"num_words":189,"start":4679.3,"end":4737.19},{"sentences":[{"text":"Everything you pay on the property is essentially your expenses.","start":4738.37,"end":4741.395,"sentiment":"neutral","sentiment_score":-0.1006337858736515},{"text":"If your expenditure is less than you're making an income, you've essentially made a loss for that year.","start":4741.395,"end":4748.295,"sentiment":"neutral","sentiment_score":-0.2899698242545128},{"text":"At the yeah.","start":4748.355,"end":4749.6553,"sentiment":"neutral","sentiment_score":-0.09504000966747601},{"text":"At the moment, we can claim that loss against our income, and it reduces our taxable income.","start":4749.875,"end":4755.575,"sentiment":"neutral","sentiment_score":-0.09405484927051208},{"text":"As of the July 1 year, that will unfortunately not be the case for anyone who's purchased property after the May 12 at 07:30PM this year.","start":4756.2,"end":4765.66,"sentiment":"negative","sentiment_score":-0.4894997259745231}],"sentiment":"neutral","sentiment_score":-0.28157891942238483,"num_words":74,"start":4738.37,"end":4765.66},{"sentences":[{"text":"At yeah.","start":4766.52,"end":4767.24,"sentiment":"neutral","sentiment_score":-0.04563621059060097},{"text":"May 12.","start":4767.24,"end":4768.301,"sentiment":"neutral","sentiment_score":-0.03652374632656574},{"text":"So what'll happen then Yeah.","start":4768.9204,"end":4773.755,"sentiment":"neutral","sentiment_score":0.0009036580100655556},{"text":"That's correct.","start":4774.535,"end":4775.175,"sentiment":"neutral","sentiment_score":0.03190123103559017},{"text":"Let's say you had a $10,000 loss every year.","start":4775.175,"end":4778.315,"sentiment":"neutral","sentiment_score":-0.11682472419407633}],"sentiment":"neutral","sentiment_score":-0.05737108397297561,"num_words":20,"start":4766.52,"end":4778.315},{"sentences":[{"text":"As much as on your tax return, you're not getting that advantage direct that year, that 10,000 loss continues to it just stays continuously.","start":4778.695,"end":4786.9897,"sentiment":"neutral","sentiment_score":-0.2419523090745012},{"text":"It adds up.","start":4787.29,"end":4788.35,"sentiment":"neutral","sentiment_score":-0.21259014308452606},{"text":"So, say, over ten years, you had a $10,000 loss.","start":4788.41,"end":4791.21,"sentiment":"neutral","sentiment_score":-0.07656128816306591},{"text":"It's a $100,000.","start":4791.21,"end":4792.83,"sentiment":"neutral","sentiment_score":-0.04615838701526324},{"text":"When you just go to sell that property, you work out your capital gain, and then you subtract the loss from that.","start":4793.05,"end":4798.89,"sentiment":"neutral","sentiment_score":0.08583841845393181}],"sentiment":"neutral","sentiment_score":-0.08806884973760574,"num_words":62,"start":4778.695,"end":4798.89},{"sentences":[{"text":"So it reduces your capital gain, which is not a bad structure.","start":4798.89,"end":4802.485,"sentiment":"neutral","sentiment_score":0.19241120231648287},{"text":"It means that you end up paying less DGT tax at the end of it as well, which isn't a bad structure.","start":4802.545,"end":4808.965,"sentiment":"neutral","sentiment_score":0.29937833175063133},{"text":"I've had a lot of people go, are you serious when I say that?","start":4809.745,"end":4812.305,"sentiment":"neutral","sentiment_score":-0.15500573707478388},{"text":"But after, like, going through and reading the legislation, I don't hate it entirely.","start":4812.305,"end":4816.83,"sentiment":"neutral","sentiment_score":-0.2690850240843637},{"text":"If you were to buy a brand new build, you still get access to the negative gearing.","start":4818.25,"end":4822.91,"sentiment":"negative","sentiment_score":-0.5352340463329764}],"sentiment":"neutral","sentiment_score":-0.07773407237439216,"num_words":79,"start":4798.89,"end":4822.91},{"sentences":[{"text":"So if you found, you know, someone who's building a property and house and land packages are often a lot cheaper than buying a new house anyway, So buying a a current house anyway.","start":4823.29,"end":4833.275,"sentiment":"neutral","sentiment_score":-0.23615269757368984},{"text":"So, you know, if you found something like that, that would be a good option.","start":4833.815,"end":4837.515,"sentiment":"neutral","sentiment_score":0.21860668957233428},{"text":"We can definitely provide advice around it.","start":4839.575,"end":4841.735,"sentiment":"positive","sentiment_score":0.4261526550565447},{"text":"We don't find the property for you.","start":4841.735,"end":4843.415,"sentiment":"neutral","sentiment_score":-0.10730615045343127},{"text":"That's more of a prop like, a buyer's agent.","start":4843.415,"end":4845.75,"sentiment":"neutral","sentiment_score":0.005434976942423317}],"sentiment":"neutral","sentiment_score":-0.03429515346134496,"num_words":72,"start":4823.29,"end":4845.75},{"sentences":[{"text":"We do have access and can, you know, refer you through to a buyer's agent.","start":4846.5303,"end":4849.97,"sentiment":"neutral","sentiment_score":0.2797399163246155},{"text":"They normally charge about 10,000 to help find you the property.","start":4849.97,"end":4853.0303,"sentiment":"neutral","sentiment_score":0.26507114144888794},{"text":"But, yeah, if it's something you wanted to look at, I would essentially look at your goals, what you're wanting to do long term, whether you're wanting to hold property, whether you're wanting to pay down your mortgage, what your goals are, and then build a strategy that works for you, whether it'd be holding property right to retirement, paying the mortgage down, and then living off the income to supplement super, or whether we hold property, look at how much it's been growing, sell it off, cement the gain, and, you know, you would use the money in retirement some other way.","start":4854.29,"end":4883.48,"sentiment":"neutral","sentiment_score":0.30580245464750866},{"text":"We can definitely provide advice in that area.","start":4884.1797,"end":4886.5996,"sentiment":"positive","sentiment_score":0.4949290417134762},{"text":"It just comes down to what your goals are as to what the strategy is that works for you.","start":4887.1396,"end":4893.0347,"sentiment":"positive","sentiment_score":0.42652442423920883}],"sentiment":"neutral","sentiment_score":0.32482647771636647,"num_words":156,"start":4846.5303,"end":4893.0347},{"sentences":[{"text":"When the other thing I do have to be mindful of as an adviser is the income tax act.","start":4893.735,"end":4899.5747,"sentiment":"neutral","sentiment_score":-0.12782038787477895},{"text":"So I can't provide advice solely for the purpose of reducing tax.","start":4899.5747,"end":4904.3945,"sentiment":"neutral","sentiment_score":-0.27616292983293533},{"text":"It is unfortunately section four a of the Income Tax Assessment Act 1936 and 1977, where if we provide advice your goal is solely to reduce tax, it seems a tax avoidance issue.","start":4904.89,"end":4917.29,"sentiment":"negative","sentiment_score":-0.3811852503003496},{"text":"So what I would want to make sure is that you have a goal, that your goal is essentially whether you want to supplement super in retirement or whether you just wanna build wealth now and sell it off to, you know, have extra money in retirement to boost your super or, you know, have a have a house and pass it down to your children as estate planning.","start":4917.29,"end":4937.89,"sentiment":"neutral","sentiment_score":0.13338762842307705},{"text":"So the side of thing, it's just about working out what your goal is and which which strategy works best in line for you there, whether it is, you know, to invest and build wealth now, not worrying about paying down your mortgage, but changing your debt so it's more tax effective for you and building wealth that way in the shorter term, then, you know, debt recycling could be a way to go there.","start":4938.11,"end":4961.385,"sentiment":"neutral","sentiment_score":0.2969224780797958}],"sentiment":"neutral","sentiment_score":0.06322729052716078,"num_words":208,"start":4893.735,"end":4961.385},{"sentences":[{"text":"So there are definitely strategies that we can help you with.","start":4961.385,"end":4964.49,"sentiment":"positive","sentiment_score":0.4667855338616805},{"text":"I love doing things like that.","start":4964.49,"end":4966.0903,"sentiment":"positive","sentiment_score":0.5532321532567342},{"text":"They are more complex.","start":4966.0903,"end":4967.31,"sentiment":"neutral","sentiment_score":0.13639852590858936},{"text":"When it comes to fee structure, I don't wanna sugarcoat anything.","start":4968.5703,"end":4972.41,"sentiment":"neutral","sentiment_score":0.012233217331496153},{"text":"I wanna make sure you have all the information there.","start":4972.41,"end":4974.91,"sentiment":"neutral","sentiment_score":0.10652847737073898}],"sentiment":"neutral","sentiment_score":0.24284471571445465,"num_words":42,"start":4961.385,"end":4974.91},{"sentences":[{"text":"With the fee structure, you pay the 1.65% for us to look after your super, but advice fees have to meet a sole purpose tax.","start":4975.565,"end":4982.8447,"sentiment":"neutral","sentiment_score":0.09801972627639771},{"text":"So when it comes to advice outside of super, investments, we do also charge an implementation fee, especially for debt recycling, an implementation fee for going through the advice for that one.","start":4982.8447,"end":4996.6,"sentiment":"neutral","sentiment_score":0.09753710846416652},{"text":"And I've actually got that here because we've actually just gone through and reupdated these.","start":4997.14,"end":5003.8,"sentiment":"neutral","sentiment_score":0.19866625169912974},{"text":"The implementation fee would be 2,200, especially for debt recycling, and that would have to be signed as per a letter of engagement.","start":5004.7246,"end":5012.665,"sentiment":"neutral","sentiment_score":0.14108143390520758},{"text":"And then for having the investment set up and investing the funds and monitoring it, we do charge 1.65% out of the investment for the ongoing monitoring maintenance of the investment account as well.","start":5013.3647,"end":5025.41,"sentiment":"neutral","sentiment_score":0.1004191057427841}],"sentiment":"neutral","sentiment_score":0.11791315487073373,"num_words":129,"start":4975.565,"end":5025.41},{"sentences":[{"text":"So just so you're fully aware and you understand that there is a there are fees for the extra advice, especially outside of Super because we can't charge we can't charge you inside of Super for advice outside of Super.","start":5025.41,"end":5038.015,"sentiment":"neutral","sentiment_score":-0.007248043129220605},{"text":"It doesn't meet the sole purpose test, and they don't allow us to do it that way.","start":5038.015,"end":5043.075,"sentiment":"neutral","sentiment_score":-0.09412147389615283},{"text":"But is this something I wanted to make sure you're fully aware of, that I'm being you know, fully disclosed so you can take that away and understand that and work out what your goals are?","start":5043.295,"end":5053.44,"sentiment":"neutral","sentiment_score":0.11297197619246112},{"text":"And then let me know what you wanna do, what you you know, when you wanna have more of a conversation, and we can absolutely look at what's happening for you.","start":5053.44,"end":5060.7397,"sentiment":"neutral","sentiment_score":0.2470534203513976},{"text":"Perfect.","start":5064.425,"end":5064.905,"sentiment":"positive","sentiment_score":0.5297421216964722}],"sentiment":"neutral","sentiment_score":0.0829232201129198,"num_words":125,"start":5025.41,"end":5064.905},{"sentences":[{"text":"Do you have any questions?","start":5064.905,"end":5065.945,"sentiment":"neutral","sentiment_score":0.19133540987968445},{"text":"I'm sorry.","start":5065.945,"end":5066.505,"sentiment":"neutral","sentiment_score":-0.07603378221392632},{"text":"I've touched on a lot.","start":5066.505,"end":5067.8047,"sentiment":"neutral","sentiment_score":-0.08624153137207032},{"text":"Yes?","start":5072.8247,"end":5073.3247,"sentiment":"positive","sentiment_score":0.4550260305404663},{"text":"Oh, good.","start":5074.025,"end":5074.8447,"sentiment":"positive","sentiment_score":0.5625514388084412}],"sentiment":"neutral","sentiment_score":0.13023538241783778,"num_words":15,"start":5064.905,"end":5074.8447},{"sentences":[{"text":"It is a lot to go through.","start":5076.29,"end":5077.7305,"sentiment":"neutral","sentiment_score":0.08989779544728142},{"text":"Did you want me to send you any kind of recap emails there or any anything with yep.","start":5077.7305,"end":5084.87,"sentiment":"neutral","sentiment_score":0.07380945059574312},{"text":"No worries at all.","start":5085.5703,"end":5086.95,"sentiment":"neutral","sentiment_score":0.037779856473207474},{"text":"Yeah.","start":5088.065,"end":5088.565,"sentiment":"neutral","sentiment_score":0.01903199404478073},{"text":"Yeah.","start":5090.385,"end":5090.885,"sentiment":"neutral","sentiment_score":0.03582492843270302}],"sentiment":"neutral","sentiment_score":0.06980100087821484,"num_words":31,"start":5076.29,"end":5090.885},{"sentences":[{"text":"Yes.","start":5091.745,"end":5092.245,"sentiment":"neutral","sentiment_score":0.046402350068092346},{"text":"Yeah.","start":5097.025,"end":5097.525,"sentiment":"neutral","sentiment_score":0.04418904334306717},{"text":"Yeah.","start":5100.625,"end":5101.125,"sentiment":"neutral","sentiment_score":0.1647321879863739},{"text":"Absolutely.","start":5102.46,"end":5102.96,"sentiment":"neutral","sentiment_score":0.3210238814353943},{"text":"Not a problem at all.","start":5103.02,"end":5104.56,"sentiment":"positive","sentiment_score":0.4590312898159027}],"sentiment":"neutral","sentiment_score":0.3190559902124935,"num_words":9,"start":5091.745,"end":5104.56},{"sentences":[{"text":"I'll do that for you now.","start":5104.94,"end":5106.14,"sentiment":"positive","sentiment_score":0.42399390538533527},{"text":"I do have the updated financial services guide, which they are releasing, which has all of that in there.","start":5106.14,"end":5111.18,"sentiment":"neutral","sentiment_score":0.23887777955908523},{"text":"So I will get a copy of that to attach to that doc to the email so you can sort of see that and run your eyes over it.","start":5111.18,"end":5118.1353,"sentiment":"neutral","sentiment_score":0.23118610166270157},{"text":"It outlines the fee structure, how it works, and the different fees for the different areas of advice that we advise on, especially outside of Super.","start":5118.1353,"end":5125.995,"sentiment":"neutral","sentiment_score":0.1101064570248127},{"text":"Next year, they are updating our fee structure to be more of a tiered structure.","start":5127.64,"end":5131.8003,"sentiment":"neutral","sentiment_score":0.03509764422972997}],"sentiment":"neutral","sentiment_score":0.18080284987625322,"num_words":95,"start":5104.94,"end":5131.8003},{"sentences":[{"text":"So, essentially, at the moment, the fees are 1.65% inside super and investment, and they're capped at 600,000.","start":5131.8003,"end":5139.735,"sentiment":"neutral","sentiment_score":0.046598008937305875},{"text":"Moving forward, they will be more of a key structure.","start":5140.0547,"end":5142.295,"sentiment":"neutral","sentiment_score":0.05508846379816532},{"text":"So when your balance hits 600,000, the fees stay on, but the the actual percentage decreases.","start":5142.295,"end":5147.9946,"sentiment":"neutral","sentiment_score":-0.012207099935039878},{"text":"That is not happening this year.","start":5148.775,"end":5150.455,"sentiment":"neutral","sentiment_score":-0.2016704579194387},{"text":"That's happening as of next year.","start":5150.455,"end":5152.135,"sentiment":"neutral","sentiment_score":-0.07093148306012154}],"sentiment":"neutral","sentiment_score":-0.007879936535443579,"num_words":56,"start":5131.8003,"end":5152.135},{"sentences":[{"text":"So the ongoing service agreement you have attached there is the same as it has been for the last couple of years.","start":5152.135,"end":5158.18,"sentiment":"neutral","sentiment_score":0.07125499268824403},{"text":"And when that fee structure is fully updated and we have your next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that.","start":5158.56,"end":5169.3003,"sentiment":"neutral","sentiment_score":0.13190060011332944},{"text":"But as I just wanna kind of because everything's kinda changing at the moment, I just wanted to make sure that I'm open and letting you know, you know, things are changing.","start":5169.915,"end":5177.755,"sentiment":"neutral","sentiment_score":0.07991726568434387},{"text":"Things things are happening, but this is what you're up for now.","start":5177.755,"end":5180.715,"sentiment":"neutral","sentiment_score":0.13723461516201496},{"text":"And it's reviewable, and you're never locked into a contract either.","start":5180.715,"end":5184.73,"sentiment":"neutral","sentiment_score":0.1532474332065745}],"sentiment":"neutral","sentiment_score":0.10922121590770342,"num_words":119,"start":5152.135,"end":5184.73},{"sentences":[{"text":"So if you decide that you're unhappy with everything, I haven't lived up the expectation, you can say, Dana, I'm done.","start":5184.73,"end":5191.1304,"sentiment":"negative","sentiment_score":-0.37041214143946055},{"text":"I'm out, and I will turn the fees off.","start":5191.1304,"end":5192.89,"sentiment":"neutral","sentiment_score":0.029100595249070063},{"text":"I'll help you roll out to wherever you wanna be, and I'll thank you for your time.","start":5192.89,"end":5197.525,"sentiment":"positive","sentiment_score":0.6256865227923674},{"text":"And, you know, we'll we'll go from there.","start":5197.905,"end":5200.065,"sentiment":"neutral","sentiment_score":0.2224101573228836},{"text":"But I just want to make sure I touched on everything that is important to you, answered the questions.","start":5200.065,"end":5205.925,"sentiment":"neutral","sentiment_score":0.2606994031291259}],"sentiment":"neutral","sentiment_score":0.13314177287188736,"num_words":74,"start":5184.73,"end":5205.925},{"sentences":[{"text":"If I haven't answered anything to your standard, please let me know because I'd love to make sure that I'm doing everything right by you, and I do wanna make sure I've catch up with her.","start":5206.3047,"end":5215.61,"sentiment":"neutral","sentiment_score":0.26395503483298755},{"text":"Moving forward, would you like catch up more every month of your three months or six months?","start":5216.15,"end":5221.9897,"sentiment":"neutral","sentiment_score":0.08620261181803311},{"text":"What's preferable for you moving forward?","start":5221.9897,"end":5224.635,"sentiment":"neutral","sentiment_score":0.0762920615573724},{"text":"Yep.","start":5227.5747,"end":5228.0747,"sentiment":"neutral","sentiment_score":0.08217686414718628},{"text":"Absolutely.","start":5229.895,"end":5230.395,"sentiment":"neutral","sentiment_score":-0.008371926844120026}],"sentiment":"neutral","sentiment_score":0.18851447477936745,"num_words":61,"start":5206.3047,"end":5230.395},{"sentences":[{"text":"Yeah.","start":5232.855,"end":5233.355,"sentiment":"neutral","sentiment_score":0.00747978501021862},{"text":"Absolutely.","start":5233.415,"end":5233.915,"sentiment":"neutral","sentiment_score":-0.013076061382889748},{"text":"Yeah.","start":5240.1597,"end":5240.6597,"sentiment":"neutral","sentiment_score":-0.02285243757069111},{"text":"Yep.","start":5244.08,"end":5244.58,"sentiment":"neutral","sentiment_score":-0.002689104527235031},{"text":"Yeah.","start":5245.6797,"end":5246.1797,"sentiment":"neutral","sentiment_score":0.005572710186243057}],"sentiment":"neutral","sentiment_score":-0.005113021656870842,"num_words":5,"start":5232.855,"end":5246.1797},{"sentences":[{"text":"Yeah.","start":5252.175,"end":5252.675,"sentiment":"neutral","sentiment_score":-0.09908908605575562},{"text":"Absolutely.","start":5252.895,"end":5253.395,"sentiment":"neutral","sentiment_score":-0.14111658930778503},{"text":"No.","start":5255.055,"end":5255.455,"sentiment":"neutral","sentiment_score":0.04389690235257149},{"text":"That's absolutely fine.","start":5255.455,"end":5256.815,"sentiment":"neutral","sentiment_score":0.13409792880217233},{"text":"Not a problem at all.","start":5256.815,"end":5258.015,"sentiment":"neutral","sentiment_score":0.19494157433509826}],"sentiment":"neutral","sentiment_score":0.10733571682463992,"num_words":11,"start":5252.175,"end":5258.015},{"sentences":[{"text":"Well, just with the goal for super so I can sort of project that forward for you and look at it.","start":5258.015,"end":5262.84,"sentiment":"neutral","sentiment_score":0.15354074032178947},{"text":"In the advice document, I know back when they did the original advice document, you were given essentially twenty year projection.","start":5263.08,"end":5269.98,"sentiment":"neutral","sentiment_score":-0.0782497464900925},{"text":"I don't do that.","start":5270.1196,"end":5270.84,"sentiment":"neutral","sentiment_score":-0.2372599132359028},{"text":"I stop at five or ten years.","start":5270.84,"end":5272.28,"sentiment":"neutral","sentiment_score":-0.09851407259702682},{"text":"But in the back end, I do project things out even further.","start":5272.28,"end":5275.5,"sentiment":"neutral","sentiment_score":-0.038988360514243446}],"sentiment":"neutral","sentiment_score":-0.008082886412739753,"num_words":65,"start":5258.015,"end":5275.5},{"sentences":[{"text":"It's just about making sure we're not providing because rates of returns change, and I don't like the idea of telling you you're gonna have $6,000,000 in retirement when you're probably actually gonna not because markets go up and down, and we do see very large dips in the market in the short term.","start":5275.7197,"end":5291.365,"sentiment":"neutral","sentiment_score":-0.22954561299195997},{"text":"So it's about just making sure that I'm giving you a conservative projection and keeping you on track.","start":5291.365,"end":5296.49,"sentiment":"positive","sentiment_score":0.42429859191179276},{"text":"I would like to underperform and make sure your projected your actual outcome is better.","start":5296.87,"end":5302.0903,"sentiment":"positive","sentiment_score":0.6010592401027679},{"text":"So I will project that in the back end for you, but the advice document shows sort of five and ten years to make sure that we're not doing anything crazy.","start":5302.71,"end":5310.045,"sentiment":"neutral","sentiment_score":0.15441715741349804},{"text":"I think also when it comes to advice documents, don't let people to project out, you know, thirty years down the track because it's not always it inflates the projections pretty heavily, especially when the performances you know, certain investment portfolios might have received a a 15 or 15% return over the past five years.","start":5310.7446,"end":5328.57,"sentiment":"neutral","sentiment_score":0.03997011110186577}],"sentiment":"neutral","sentiment_score":0.0649889488139249,"num_words":173,"start":5275.7197,"end":5328.57},{"sentences":[{"text":"There's no guarantee they're going to get that over the next two or three or five years.","start":5328.57,"end":5332.73,"sentiment":"neutral","sentiment_score":-0.03563990969868267},{"text":"So we have to use those returns because that's what it has performed or how it has performed in the in the past, essentially.","start":5332.73,"end":5340.045,"sentiment":"neutral","sentiment_score":0.10150824921826522},{"text":"So it's about making sure we're not overinflating things.","start":5340.265,"end":5343.485,"sentiment":"neutral","sentiment_score":0.08117245137691498},{"text":"But I'll do it in the back end, and I'll have a look at what the 200 looks like for you.","start":5344.025,"end":5348.365,"sentiment":"neutral","sentiment_score":0.2606527571167265},{"text":"If we need to maybe look at increasing that, I'll recommend it and show you how and why the advantages disadvantages of this involved, and then you get to take that away and decide whether you're happy with that or not.","start":5348.69,"end":5360.15,"sentiment":"neutral","sentiment_score":0.1223067119490446}],"sentiment":"neutral","sentiment_score":0.11651030953674178,"num_words":112,"start":5328.57,"end":5360.15},{"sentences":[{"text":"All of my advice documents do also have yes.","start":5360.945,"end":5363.905,"sentiment":"neutral","sentiment_score":0.12061828871568044},{"text":"Sorry.","start":5363.905,"end":5364.2246,"sentiment":"neutral","sentiment_score":-0.03685247153043747},{"text":"You're at yes.","start":5364.2246,"end":5367.605,"sentiment":"neutral","sentiment_score":-0.039341637243827186},{"text":"Mhmm.","start":5369.025,"end":5369.525,"sentiment":"neutral","sentiment_score":-0.03871314227581024},{"text":"Mhmm.","start":5372.065,"end":5372.565,"sentiment":"neutral","sentiment_score":0.04565372318029404}],"sentiment":"neutral","sentiment_score":0.06250851973891258,"num_words":15,"start":5360.945,"end":5372.565},{"sentences":[{"text":"Yes.","start":5374.065,"end":5374.565,"sentiment":"neutral","sentiment_score":-0.12391601502895357},{"text":"Oh, the con yes.","start":5397.895,"end":5399.735,"sentiment":"neutral","sentiment_score":0.002490299753844738},{"text":"The the contributions cap.","start":5399.735,"end":5401.735,"sentiment":"neutral","sentiment_score":-0.00678612245246768},{"text":"Yes.","start":5401.735,"end":5402.235,"sentiment":"neutral","sentiment_score":-0.0036022216081619263},{"text":"Yep.","start":5408.38,"end":5408.7,"sentiment":"neutral","sentiment_score":-0.014697324484586716}],"sentiment":"neutral","sentiment_score":-0.014490804719653997,"num_words":11,"start":5374.065,"end":5408.7},{"sentences":[{"text":"Yes.","start":5408.7,"end":5409.2,"sentiment":"neutral","sentiment_score":0.03919876366853714},{"text":"Yeah.","start":5410.38,"end":5410.88,"sentiment":"neutral","sentiment_score":0.0379490926861763},{"text":"Absolutely.","start":5412.46,"end":5412.96,"sentiment":"neutral","sentiment_score":0.015389543026685716},{"text":"Yes.","start":5413.42,"end":5413.92,"sentiment":"neutral","sentiment_score":0.04692233726382256},{"text":"Yeah.","start":5415.02,"end":5415.52,"sentiment":"neutral","sentiment_score":0.11188594996929167}],"sentiment":"neutral","sentiment_score":0.05026913732290268,"num_words":5,"start":5408.7,"end":5415.52},{"sentences":[{"text":"Yeah.","start":5418.775,"end":5419.275,"sentiment":"neutral","sentiment_score":0.0989803597331047},{"text":"Yeah.","start":5427.095,"end":5427.415,"sentiment":"neutral","sentiment_score":0.09698881953954697},{"text":"Yep.","start":5427.415,"end":5427.915,"sentiment":"neutral","sentiment_score":0.050153814256191254},{"text":"Yep.","start":5431.91,"end":5432.41,"sentiment":"neutral","sentiment_score":0.056727223098278046},{"text":"You could yeah.","start":5435.91,"end":5437.0303,"sentiment":"neutral","sentiment_score":0.08277775471409161}],"sentiment":"neutral","sentiment_score":0.07874049725277084,"num_words":7,"start":5418.775,"end":5437.0303},{"sentences":[{"text":"You could yeah.","start":5437.0303,"end":5437.83,"sentiment":"neutral","sentiment_score":0.13428028921286264},{"text":"You could do.","start":5437.83,"end":5438.47,"sentiment":"neutral","sentiment_score":0.1905242254336675},{"text":"So they're called the carry form contributions.","start":5438.47,"end":5440.41,"sentiment":"neutral","sentiment_score":0.14067193865776062},{"text":"I can have a look at that for you as part of the advice.","start":5441.1104,"end":5443.8853,"sentiment":"neutral","sentiment_score":0.28879047078745707},{"text":"Essentially, what I would wanna be doing is looking at whether it's worth keeping it on the mortgage.","start":5443.8853,"end":5447.8853,"sentiment":"neutral","sentiment_score":0.16077557454506555}],"sentiment":"neutral","sentiment_score":0.1976920899417665,"num_words":45,"start":5437.0303,"end":5447.8853},{"sentences":[{"text":"So looking at how that's gonna benefit you versus putting the money in the super.","start":5447.8853,"end":5452.305,"sentiment":"neutral","sentiment_score":0.17972475389639536},{"text":"You can do it in two ways.","start":5452.9253,"end":5454.365,"sentiment":"neutral","sentiment_score":0.2420304034437452},{"text":"So salary sacrifice is what you're doing at the moment.","start":5454.365,"end":5457.48,"sentiment":"neutral","sentiment_score":0.02906959280371666},{"text":"There are other options where you've got sorry.","start":5457.48,"end":5460.54,"sentiment":"neutral","sentiment_score":-0.03986459458246827},{"text":"I've got the hiccups.","start":5460.76,"end":5461.4,"sentiment":"neutral","sentiment_score":-0.2911968007683754}],"sentiment":"neutral","sentiment_score":0.07266082047400149,"num_words":44,"start":5447.8853,"end":5461.4},{"sentences":[{"text":"I do apologize.","start":5461.4,"end":5462.2197,"sentiment":"neutral","sentiment_score":-0.13595210760831833},{"text":"You can also do what's called a deductible contribution where at the end of the financial year, if you haven't used the whole of your cap space that year and wanna make, like, a lump sum contribution, you absolutely can.","start":5463.48,"end":5475.275,"sentiment":"neutral","sentiment_score":0.21588925775140524},{"text":"But you look at what you have carried forward contribution from the last five years, and your ATO will show you eligibility for that.","start":5475.975,"end":5483.7603,"sentiment":"neutral","sentiment_score":0.13884233652303615},{"text":"Essentially, eligibility wise, you just have to be able to show that your balance is under 500,000 as that 30% during the financial year prior, which yours is.","start":5483.7603,"end":5493.6,"sentiment":"neutral","sentiment_score":0.07986735925078392},{"text":"That's absolutely fine.","start":5493.6,"end":5494.9,"sentiment":"neutral","sentiment_score":0.3082808206478755}],"sentiment":"neutral","sentiment_score":0.15021488351785406,"num_words":98,"start":5461.4,"end":5494.9},{"sentences":[{"text":"You're also under the age with of the requirement, which is fine.","start":5495.145,"end":5498.925,"sentiment":"neutral","sentiment_score":0.004316583081769446},{"text":"So, yeah, you should be able to have a look at your MyGov account.","start":5499.7847,"end":5502.8247,"sentiment":"neutral","sentiment_score":0.16213858446904592},{"text":"In MyGov, if you go to the ATO section, then super, and then the menu and its information, it should then tell you carry forward contributions.","start":5502.8247,"end":5511.9204,"sentiment":"neutral","sentiment_score":0.06296413162579903},{"text":"If you click on that, it tells you eligibility and then has the last five years broken down for you.","start":5512.06,"end":5517.3604,"sentiment":"neutral","sentiment_score":0.09751589838415384},{"text":"We can use it in one of two ways.","start":5518.54,"end":5520.3804,"sentiment":"positive","sentiment_score":0.3616541706853443}],"sentiment":"neutral","sentiment_score":0.1131359519218497,"num_words":81,"start":5495.145,"end":5520.3804},{"sentences":[{"text":"As a deductible contribution, if you do that at the end of the financial year or you can be doing it in, like, smaller amounts on a regular basis, it actually lowers your tax it uses a tax deduction.","start":5520.3804,"end":5533.725,"sentiment":"positive","sentiment_score":0.4152658467109387},{"text":"So, like, salary sacrifice comes at free tax, so it reduces how much tax you pay on your income for that week or that fortnight.","start":5533.725,"end":5540.705,"sentiment":"positive","sentiment_score":0.35619215548038485},{"text":"Whereas if you take a lump sum $5,000 at the end of the financial year and put that into your super as a deductible contribution, because it comes out of your after tax money, once it goes into super, we claim a notice of intent.","start":5541.1304,"end":5554.0303,"sentiment":"neutral","sentiment_score":0.20859464150336054},{"text":"That means the super fund deducts 15% tax.","start":5554.265,"end":5557.065,"sentiment":"neutral","sentiment_score":0.14225929975509644},{"text":"You pay tax on the same amount of money twice.","start":5557.065,"end":5559.485,"sentiment":"neutral","sentiment_score":0.27880919277668}],"sentiment":"neutral","sentiment_score":0.30246533151334665,"num_words":127,"start":5520.3804,"end":5559.485},{"sentences":[{"text":"You can then take that $5,000 back and claim it as a tax deduction, and it helps reduce your taxable income by $5,000.","start":5559.785,"end":5567.4053,"sentiment":"positive","sentiment_score":0.36104583999385004},{"text":"So there are those advantages that you can look at doing there.","start":5567.7,"end":5570.76,"sentiment":"positive","sentiment_score":0.5406082520882288},{"text":"It's up to you whether you wanna just focus on this part of the advice first, and then we come back and look at that again.","start":5571.46,"end":5577.08,"sentiment":"neutral","sentiment_score":0.2597175332216116},{"text":"The same as always if I do three advice documents in a year, you don't pay anything for that in relation to super.","start":5577.62,"end":5584.615,"sentiment":"neutral","sentiment_score":0.19092274619185406},{"text":"That's all part of your ongoing service agreement, and I'm happy to come back and look at that.","start":5584.615,"end":5589.7354,"sentiment":"positive","sentiment_score":0.6125491708517075}],"sentiment":"positive","sentiment_score":0.36236389653355466,"num_words":102,"start":5559.785,"end":5589.7354},{"sentences":[{"text":"If you just want me to, we can do the advice on this now.","start":5589.7354,"end":5592.6953,"sentiment":"neutral","sentiment_score":0.3128932086484773},{"text":"And then in May next year yeah.","start":5592.6953,"end":5595.335,"sentiment":"neutral","sentiment_score":0.17779806469167983},{"text":"In May next year, I can make a little calendar invite to check-in, and I can say, hey.","start":5595.335,"end":5601.03,"sentiment":"neutral","sentiment_score":0.3194539017147488},{"text":"Look.","start":5601.03,"end":5601.27,"sentiment":"neutral","sentiment_score":0.2815859317779541},{"text":"We've got this much space left over.","start":5601.27,"end":5603.03,"sentiment":"neutral","sentiment_score":0.2975038843495505}],"sentiment":"neutral","sentiment_score":0.29232712185129206,"num_words":47,"start":5589.7354,"end":5603.03},{"sentences":[{"text":"Have you got any extra cash?","start":5603.03,"end":5604.31,"sentiment":"neutral","sentiment_score":0.11210216954350471},{"text":"Do you wanna make a deductible contribution?","start":5604.31,"end":5606.41,"sentiment":"neutral","sentiment_score":0.19853494742086955},{"text":"It definitely works better for higher income earners because it can look to reduce you back a tax bracket a little bit.","start":5606.95,"end":5613.395,"sentiment":"positive","sentiment_score":0.4719958413730968},{"text":"It's, you know, to help you get a bit more back on your tax return, which could be an advantage.","start":5613.402,"end":5618.1147,"sentiment":"positive","sentiment_score":0.4845644883811474},{"text":"So we can absolutely do that for you.","start":5618.175,"end":5620.415,"sentiment":"positive","sentiment_score":0.566115066409111}],"sentiment":"positive","sentiment_score":0.4232774041001759,"num_words":63,"start":5603.03,"end":5620.415},{"sentences":[{"text":"Yeah.","start":5620.415,"end":5620.915,"sentiment":"neutral","sentiment_score":0.21523302793502808},{"text":"I've got them here in front of me, actually.","start":5630.7397,"end":5632.6797,"sentiment":"neutral","sentiment_score":0.16972386671437156},{"text":"Okay.","start":5638.26,"end":5638.76,"sentiment":"neutral","sentiment_score":0.18542537093162537},{"text":"Mhmm.","start":5643.495,"end":5643.995,"sentiment":"neutral","sentiment_score":0.08798513561487198},{"text":"We go from one one thirty five to one ninety.","start":5647.255,"end":5650.555,"sentiment":"neutral","sentiment_score":0.03608958534896374}],"sentiment":"neutral","sentiment_score":0.1080479176545685,"num_words":22,"start":5620.415,"end":5650.555},{"sentences":[{"text":"Yep.","start":5657.83,"end":5658.1504,"sentiment":"neutral","sentiment_score":0.019190780818462372},{"text":"Mhmm.","start":5658.1504,"end":5658.6504,"sentiment":"neutral","sentiment_score":0.0264190137386322},{"text":"Yep.","start":5662.23,"end":5662.73,"sentiment":"neutral","sentiment_score":0.01931583508849144},{"text":"Yeah.","start":5662.87,"end":5663.37,"sentiment":"neutral","sentiment_score":0.06144130602478981},{"text":"And even making something as as much as 1 or 2 or $3 could absolutely, you know, push you back under that tax bracket a little bit.","start":5663.43,"end":5671.375,"sentiment":"neutral","sentiment_score":0.12981851026415825}],"sentiment":"neutral","sentiment_score":0.11714408750976285,"num_words":31,"start":5657.83,"end":5671.375},{"sentences":[{"text":"And, you know, even if you're taking that money off the mortgage yeah.","start":5671.755,"end":5675.835,"sentiment":"neutral","sentiment_score":0.0478564970768415},{"text":"Yeah.","start":5675.835,"end":5676.0747,"sentiment":"neutral","sentiment_score":0.14701564610004425},{"text":"Absolutely.","start":5676.0747,"end":5676.5747,"sentiment":"positive","sentiment_score":0.3363175094127655},{"text":"Yeah.","start":5677.93,"end":5678.43,"sentiment":"neutral","sentiment_score":0.28845736384391785},{"text":"Absolute absolutely.","start":5679.29,"end":5680.91,"sentiment":"neutral","sentiment_score":0.24819856882095337}],"sentiment":"neutral","sentiment_score":0.10501789549986522,"num_words":18,"start":5671.755,"end":5680.91},{"sentences":[{"text":"And, I mean, if you get a little bit extra tax back, you you put that money in the super, but then if you reduce your tax and get a bit more back, you can put that back onto the mortgage as well.","start":5681.29,"end":5689.85,"sentiment":"neutral","sentiment_score":0.2735666719286941},{"text":"So it's kind of giving you that double benefit there.","start":5689.85,"end":5693.355,"sentiment":"positive","sentiment_score":0.3367404580116272},{"text":"So we can absolutely look at doing that.","start":5693.355,"end":5695.275,"sentiment":"positive","sentiment_score":0.43408411741256714},{"text":"Did you want me to factor that into the advice now for you or just maybe hold up until end of financial year and look at what your income is then?","start":5695.275,"end":5701.755,"sentiment":"neutral","sentiment_score":0.1585151930489848},{"text":"What would you like to do with that?","start":5701.755,"end":5703.775,"sentiment":"neutral","sentiment_score":0.08721621707081795}],"sentiment":"neutral","sentiment_score":0.24215145133435725,"num_words":100,"start":5681.29,"end":5703.775},{"sentences":[{"text":"Yep.","start":5708.11,"end":5708.61,"sentiment":"neutral","sentiment_score":0.1351175606250763},{"text":"Yep.","start":5713.15,"end":5713.63,"sentiment":"neutral","sentiment_score":0.10793142020702362},{"text":"Absolutely.","start":5713.63,"end":5714.13,"sentiment":"neutral","sentiment_score":0.2360740303993225},{"text":"Yep.","start":5719.185,"end":5719.685,"sentiment":"neutral","sentiment_score":0.14284133911132812},{"text":"Absolutely.","start":5720.4653,"end":5720.9653,"sentiment":"neutral","sentiment_score":0.14663606882095337}],"sentiment":"neutral","sentiment_score":0.15372008383274077,"num_words":5,"start":5708.11,"end":5720.9653},{"sentences":[{"text":"Yeah.","start":5721.665,"end":5722.065,"sentiment":"positive","sentiment_score":0.39391547441482544},{"text":"Perfect.","start":5722.065,"end":5722.565,"sentiment":"positive","sentiment_score":0.6704815626144409},{"text":"No problem at all.","start":5722.625,"end":5723.665,"sentiment":"positive","sentiment_score":0.5359463840723038},{"text":"And I'll send this email shortly for you.","start":5723.665,"end":5725.665,"sentiment":"neutral","sentiment_score":0.2568969428539276},{"text":"That way, you've got a bit of a recap going through all the things that we've gone through.","start":5725.665,"end":5729.67,"sentiment":"neutral","sentiment_score":0.17135749012231827}],"sentiment":"neutral","sentiment_score":0.2608685293234885,"num_words":32,"start":5721.665,"end":5729.67},{"sentences":[{"text":"I'll have your old advice document there as well.","start":5729.9897,"end":5732.31,"sentiment":"neutral","sentiment_score":0.14266180247068405},{"text":"I've booked you in for the next month, so I'll add a little note there on the email with our next appointment for your advice presentation to go through with you.","start":5732.31,"end":5740.09,"sentiment":"neutral","sentiment_score":0.19996875332247827},{"text":"And if you have questions or anything else, come back and let me know.","start":5740.71,"end":5744.145,"sentiment":"neutral","sentiment_score":0.1726733877190522},{"text":"I'm happy to rebook you in to talk about anything.","start":5744.145,"end":5746.725,"sentiment":"positive","sentiment_score":0.5906150192022324},{"text":"If there is anything you need, I am, like, taking as many calls as I can off the cuff.","start":5747.425,"end":5751.985,"sentiment":"neutral","sentiment_score":0.23233250959923393}],"sentiment":"neutral","sentiment_score":0.24362509491213832,"num_words":83,"start":5729.9897,"end":5751.985},{"sentences":[{"text":"So if you call in and go, hey.","start":5751.985,"end":5753.185,"sentiment":"neutral","sentiment_score":0.1224747933447361},{"text":"I need to talk today.","start":5753.185,"end":5754.145,"sentiment":"neutral","sentiment_score":0.12265948206186295},{"text":"I've got these questions.","start":5754.145,"end":5755.205,"sentiment":"neutral","sentiment_score":0.09705240093171597},{"text":"The team will always ask me if I'm available.","start":5755.425,"end":5757.425,"sentiment":"neutral","sentiment_score":0.06278160586953163},{"text":"And if I'm not on the phone, I will always try to take the call.","start":5757.425,"end":5760.48,"sentiment":"neutral","sentiment_score":0.045208071793119115}],"sentiment":"neutral","sentiment_score":0.07864538757357656,"num_words":41,"start":5751.985,"end":5760.48},{"sentences":[{"text":"So I'll make sure that I'm available when you need, and I'll make sure that we have a three month catch up from from the August 19, three months on.","start":5760.94,"end":5769.26,"sentiment":"neutral","sentiment_score":0.07407013935347398},{"text":"That way, we can kind of make sure we do those catch ups for you, and you'll hear from Sammy.","start":5769.26,"end":5774.095,"sentiment":"neutral","sentiment_score":0.17059179916977882},{"text":"She's the one that's gonna give you a call and book you in for those catch ups and make sure that you're all looked after with me.","start":5774.095,"end":5780.495,"sentiment":"neutral","sentiment_score":0.1649711987486592},{"text":"So we're we're striving to do better this year, and I really hope I do.","start":5780.495,"end":5784.815,"sentiment":"positive","sentiment_score":0.34841926395893097},{"text":"If I start to fall short, please let me know.","start":5784.815,"end":5787.3403,"sentiment":"neutral","sentiment_score":-0.32967633455991746}],"sentiment":"neutral","sentiment_score":0.11782047199998416,"num_words":102,"start":5760.94,"end":5787.3403},{"sentences":[{"text":"I wanna do the best job I can, but tell me if I start to fall short and I'll pick my game up, I promise.","start":5787.3403,"end":5792.8003,"sentiment":"neutral","sentiment_score":-0.19185129851102828},{"text":"Okay?","start":5792.8604,"end":5793.3604,"sentiment":"neutral","sentiment_score":0.016975535079836845},{"text":"That's okay.","start":5796.22,"end":5797.02,"sentiment":"neutral","sentiment_score":0.13899224996566772},{"text":"Do you have any other questions or anything else that you might have for me today or need me to research for you?","start":5797.02,"end":5803.415,"sentiment":"neutral","sentiment_score":0.016469396650791168},{"text":"Or that's okay.","start":5804.275,"end":5805.335,"sentiment":"neutral","sentiment_score":-0.02643265202641487}],"sentiment":"neutral","sentiment_score":-0.07781156038658486,"num_words":54,"start":5787.3403,"end":5805.335},{"sentences":[{"text":"Beautiful.","start":5805.4746,"end":5805.9746,"sentiment":"positive","sentiment_score":0.3953784704208374},{"text":"Well yeah.","start":5806.0347,"end":5807.895,"sentiment":"neutral","sentiment_score":0.15762092918157578},{"text":"Yep.","start":5810.835,"end":5811.335,"sentiment":"neutral","sentiment_score":0.11156489700078964},{"text":"Yeah.","start":5812.4346,"end":5812.9346,"sentiment":"neutral","sentiment_score":0.2275284230709076},{"text":"Easy.","start":5813.635,"end":5814.135,"sentiment":"neutral","sentiment_score":0.14342699944972992}],"sentiment":"neutral","sentiment_score":0.19885677471756935,"num_words":6,"start":5805.4746,"end":5814.135},{"sentences":[{"text":"No worries at all.","start":5814.85,"end":5815.65,"sentiment":"neutral","sentiment_score":0.2782738320529461},{"text":"I'll get that email to you shortly.","start":5815.65,"end":5817.19,"sentiment":"positive","sentiment_score":0.34025588631629944},{"text":"You put your annual review doc there as well.","start":5817.41,"end":5819.25,"sentiment":"neutral","sentiment_score":0.24709347387154898},{"text":"Feel free to go through those ones.","start":5819.25,"end":5820.53,"sentiment":"neutral","sentiment_score":0.2469242364168167},{"text":"If you're happy to sign them or return the annual the ongoing agreement of that, do so, and I'll get stuff into this research.","start":5820.53,"end":5827.25,"sentiment":"neutral","sentiment_score":0.2549371998757124}],"sentiment":"neutral","sentiment_score":0.26599392645499287,"num_words":51,"start":5814.85,"end":5827.25},{"sentences":[{"text":"We'll have it ready for the nineteenth for you.","start":5827.25,"end":5829.4897,"sentiment":"positive","sentiment_score":0.3984389106432597},{"text":"Okay?","start":5829.4897,"end":5829.9897,"sentiment":"neutral","sentiment_score":0.21615639328956604},{"text":"Thanks so much, Bianca.","start":5832.435,"end":5833.815,"sentiment":"positive","sentiment_score":0.8465239256620407},{"text":"My pleasure.","start":5833.955,"end":5834.595,"sentiment":"positive","sentiment_score":0.8781822323799133},{"text":"You have a lovely afternoon.","start":5834.595,"end":5836.055,"sentiment":"positive","sentiment_score":0.8425921082496644}],"sentiment":"positive","sentiment_score":0.6265489189397722,"num_words":21,"start":5827.25,"end":5836.055},{"sentences":[{"text":"Thanks.","start":5839.1553,"end":5839.6353,"sentiment":"positive","sentiment_score":0.5861589908599854},{"text":"See you later.","start":5839.6353,"end":5840.355,"sentiment":"positive","sentiment_score":0.3847608764966329},{"text":"Bye.","start":5840.355,"end":5840.855,"sentiment":"neutral","sentiment_score":-0.11296091973781586}],"sentiment":"neutral","sentiment_score":0.3254961401224136,"num_words":5,"start":5839.1553,"end":5840.855}]}}]},{"alternatives":[{"transcript":"Hey, Dana. I've got Bianca Malcolm on the phone. Yes. She seems pretty good. She just missed your call. Perfect. You've got her in 321. I'm good. How are you? I've been at a athletics carnival all day. Sorry. This time I missed your call. I was just getting home. That's funny, but it's windy. Yeah. So I feel like I'm wing bone from being outside. Now the kids had their sort of carnival. So oh, Yeah. Yeah. Good. The little guys are in kindy, so they sort of just do the fun stuff like race, but the old one did some races, so he had fun. Yeah. Okay. Yeah. Yep. Mhmm. Yep. Yep. Mhmm. Yes. I guess I just I think I put it with Samantha, though. But, you know, when I came on, it was a cold call from a gentleman who called and said, you know, we're analyzing super funds and blah blah blah. And I don't normally go for those things because, you know, to me, they're all scams. But we did get to the bottom line of and he said, you know, if it works, there's no charge, and you go to, you know, Oatsy handle you, and, you know, they'll be able to give you advice on everything. And I sort of went, you know what? I'm probably at a point in my life where that's not a bad thing. And then I guess it was Tariq, I think I started with. And then, you know, admittedly, I did constantly get your you know, whatever that notice is that I get that says, you know, these shares have been sold within your super fund, and these funds have been purchased. So there was a lot of that in the early days. Like, I'm talking probably every fortnight, if not every three weeks. And so I'm like, okay. They're obviously actively managing my super fund to get to, you know, the higher returns and whatever. So happy days. It sat there. Then, obviously, we hit the first roadblock December 24, I wanna call it, where my insurances weren't really moved, and then Tarik had moved on. So I think that's when you joined or took over my account. And, yeah, the trade sorta kept happening. And then I don't I feel like the last twelve months, it's just few and far between. I don't know if that's a strategy thing. Like, I think I've had and I could be wrong, but maybe three emails in the last six months about, you know, your adviser has traded. So I went, oh, I don't know what's happening in terms of that's what the fee, I guess, is justified because you go, well, they're actively moving your funds. Because then I go, otherwise, is it just a super fund now? I mean, obviously, they're both super funds, but, you know, there's a difference between an actively managed one and just sort of a passive one. And then I know we did all the insurances at the start of the year, and that was really because I was just concerned, you know, if my kids got sick and whatnot. And and and that was really great. But, yeah, I sort of got to a point now where I'm like, okay. Do I buy an investment property? Do I not? And then, obviously, I follow, you know, different advisers on social media, which I know, you know, they're are they all qualified? Don't know. But some of them are like, well, in our fee, we include advice on absolutely everything. We can forecast, you know, best practice based on current interest rates for, you know, five, ten years, which way to go. And I'm like, is that what I see is meant to be able to do for me? Because then I feel like, should I be paying two fees, or is it part of it? Because yeah. And so I think that's where I just said to Samantha, I'm concerned. I don't know if that's the right word to say because my super fund's gonna naturally grow because, obviously, my employer puts into it. I do the additional on top of it. So it's always gonna go up. So, therefore, I understand your fees, what whatever it works out to be, one point something. So, naturally, as my base increases, your fee also increases. But then, I guess, to me, I'm like, what's the return on investment for that fee if all it is is three trades every six months? It doesn't seem like a great deal for me is what I'm trying to, yeah, understand. Yeah. So that's where my honest, you know, understanding is, and I don't I don't know. Yeah. Yep. Yes. Yep. Mhmm. Yes. Okay. Mhmm. Mhmm. Yes. Mhmm. Yep. Okay. Yep. Mhmm. Yep. Mhmm. Yes. Yes. Yep. Yeah. I can tell you my last because I saved these. I'm I'm a bit OCD. So I had one on the twenty sixth of May, so that came through as your trade summary. The one previous to that, Dana, and maybe they just weren't coming through, was the January 6 January 6 and then thirty first of December. That's what I mean. It just seems odd and then one December. So I had two in December, weirdly, and one late November, then an October one. They just don't seem to be consistent for the last like I said, it's almost six months between those last two. I wouldn't have delete like, I mean, maybe I deleted it, but I doubt it. I tend to save this stuff. Yeah. I just noticed it wasn't so once a month sounds about right when I first and if I go back, I do. I've got August 29, September 26, and I've got an October one, and then October again, November, December. But from this year, no. It's like it stopped after January. So May is my next one. Yeah. Yeah. Yeah. Yeah. Definitely. Mhmm. Yep. Yes. Okay. Yes. Yeah. That's correct. Yeah. Yeah. Thank you. And I do appreciate like, I mean, we all you know, I run a few different businesses. We don't always get it right. I get that. But I did. I just kinda went. Am I locked in? Am I stuck? And Samantha was very honest the other day. She just said exactly what you said. She said you're not. You can actually keep your insurance. We can just move it. The super fund but am I there's only bit I don't understand. So Hub twenty four, is that a fund I can only have if I'm under a financial adviser? Okay. Yep. Yep. Yep. Okay. Okay. Yes. Yep. Yep. Yeah. Okay. Yep. K. Alright. So do you just wanna go through the documents that you sent? Is that what yeah. Mhmm. Yeah. Yep. Yep. I do. Yep. Yeah. I do. I've opened a few. Yep. And what I've just done yeah. Sorry. I'm just I've got a 100 different screens open. The super and insurance summary. Yes. I've got it open. Yep. Mhmm. Is that somewhere on sorry. Is there a summary of that? Okay. Yep. I did wanna know what the yeah. What I actually contributed versus the difference. Yeah. Yep. Mhmm. Yep. Yep. Yep. Sorry. Yeah. I can't. Yeah. Mhmm. Mhmm. Yep. Yep. Mhmm. Yeah. Yeah. It does. Yep. Mhmm. Mhmm. Yep. No. No. That sounds good. Yep. Yeah. Yes. Yep. Yep. No. No. That's fine. These aren't shares that I'm overly I mean, some of them I'm familiar with, but none of those that you just spoke about. So, yeah, I'm happy for them to change. And, yeah, the Bendal Bendalong one doesn't sound like it's gonna come out anytime soon. Yeah. So yep. Mhmm. So would you pick can I ask sorry? Would you is that number of shares, the number that you like to have for the value of my super fund, or would you just move some of those funds into some of the other shares? Like, what is the theory behind how many, I guess, are held at any given time? Mhmm. Yep. Okay. Mhmm. Yep. Yep. Yep. Yep. Yes. Yes. Mhmm. Yes, sir. Yep. No. No. That is alright. I do. I understand it. Yeah. Let me check. Yes. Yep. Yeah. That's all. Yep. Yes. I probably do need to I know I left the statement of advice as well, and it's expired now, but I probably do need to look at those. Not so much. I know I've got you to do income protection, but I'm not I'm not as worried now. There was something that had happened at the end of last year. But, potentially, that my kid's insurance, I definitely should do that, I think. The yeah. Just in case. I know. That's probably the one that I'd be pushing to go ahead with. Yeah. That was the one that that resets. Is it the one that does a random reset? Is it is it what it was is it the right terminology? Because this is like if I go through, like, cancer. Is that right? That's that's where this would classify. And say and then so you get access to those funds, but then, essentially, it's for, like, reset. So if you were to have a different trauma is that right? Am I saying that right? Yes. Yeah. K. It's like reset, I think. Mhmm. Yes. Mhmm. Yep. Yes. Yes. Yes. Yes. I don't know. I feel like I am at an age where people are just falling on the left, right, and center. It's very scary. And whether it's illnesses or actual death, which, obviously, I have that. And if it's me, my kids, you know, I know that's all set up. But I do I feel like every second person's been diagnosed with cancer at the moment, which is where that one would fall. So, yeah, so I should probably definitely look at my trauma as well as the children. And then, yeah, probably park the what we had income protection added on that one. And was that it that I added to it? I can't actually remember. Yeah. Mhmm. Okay. Yep. Mhmm. Yep. I probably do just need to relook at it. So if you can send them through. The only thing to point out is my income's moved to a 165,000. Yeah. So that obviously affects the insurance as well. I don't know if the million dollars is overkill now. I mean, it depends, obviously, if I buy another property. Because my mortgage is very small, and I understand so the million dollars what was that on? My lot no. My yeah. Okay. I get what you mean. That's the total. No. Hang on. Is that if I'm dead? What's that one? Yeah. Yeah. Okay. Yeah. So that would be my children. Okay. So the million dollars is taxed. I just I know it's terrible. Right? It's and not to get political on you, but I go it's their way of saying, you're not gonna give us tax because you're not gonna work, so we're gonna take it from you. Like, it's just terrific. Mhmm. Yep. Yes. Okay. I get really confused. I know I shouldn't, but I do because I have a million and one offset. I have 10 offset accounts. So if I look on my actual mortgage, it says my balance is 257,000. Call it 250 8,000, and I have an availability of 210,000. So I actually believe when you put those numbers together, that's what my technical mortgage is, if I'm reading that right. This always confuses me. Yeah. So my actual active mortgage would still be about, I don't know, 400 and something, but I have that surplus in there, so it tells me my balance is 2 57. Yeah. Mhmm. Yes. Already before I even consider another insurance. That's what Right? Yeah. Okay. Which could that's what I'm thinking. I think it's overkill. I mean, obviously, it's not if I become totally disabled because that's what TPD is. Right? Am I saying that right? Total permanent disability? Yeah. So because life cover is only if I die. Oh, no. I do have a TPD cover. Oh, okay. So then I okay. Now I'm totally confused. So Mhmm. Yep. Yes. Correct. Yep. Yeah. Yep. Mhmm. Mhmm. Yes. Yeah. It's my it's currently my sorry. It's currently my okay. So he's he's the working so, yes, I have a father who, obviously, I'm divorced from, but my will states that my parents become the controllers of said super and beneficiaries. So I don't know if that needs to be updated. So then in my eyes, even though their father would become their guardian under my will, the guardian of my state is my parents, not him, if that makes sense. Yep. Mhmm. Yep. Yes. Yes. Yeah. And that's probably that's probably the bit I I haven't done that next level, and I don't know how that falls, whether it's I mean, my solicitor does the will, not an accountant. But I should probably I mean, all the tax changes, I have no idea which way you go now with trust and whatnot. That's the step I don't have. So, yes, say there's $700,000. I don't physically know where that's actually going if they're still children. But I don't have that step that you just talked about where it goes into a trust. I just have my parents as the executive to my will, but there's no dictation on where those funds technically go. Yeah. Yep. And so can I ask you, do you guys advise on trust? Who is best to do that bit? That's where I get a bit lost. We have an accountant at work who does trust, but, honestly, I don't trust him. I don't trust him at the moment because I'm part of a family trust as well, but I don't honestly understand it for my own children. Yeah. Yep. Yes. Yes. Mhmm. Yeah. K. Yep. Mhmm. Yep. Yeah. That's fine. Yep. Mhmm. Yep. Yeah. That'll be fine. Is that because it's a one stop thing? So I'm thinking life outside of Subaru is probably overkill given I have the other life insurance. Yes. Mhmm. So, yeah, that's fine. You can, yeah, put it in there. But then if I was to put that life, do I remove the super life one or no? You're saying have both? Okay. Yep. Yeah. Yes. Yep. Okay. Yep. Yeah. That's fine. Yep. No. You can put it in there so I have at least a rough idea, but I probably won't go ahead with that one. Yeah. Yep. Yeah. That's fine. Yep. Mhmm. Yep. Yeah. That's fine. Yep. Yep. Sounds good. Yes. Mhmm. What does that involve me doing? Making them what did you call them? A legal person. Is that what you called them? Okay. Mhmm. Okay. And so that would mean we're currently state beneficiary details of my two kids that would change to the LPL. Is that what you're saying? It replaces that. Yeah. Okay. Yeah. Okay. Yeah. Okay. Yep. Yep. Yes. Yeah. That's fine. Scary. I don't so what day because you only do you do four days, don't you? Which day do you not work? Okay. No. I'm I'm in the office five days, but a Thursday actually works better because the boys stay their dead on a Thursday night. So means I don't have to rush the pickups. Yeah. So I'm happy if you have a late slot, whatever your late slot would be. Oh, wow. Okay. On the nineteenth? No. Well, for Thursday, I sorry. What I meant was I don't have to leave the office to get the boys, whereas the other day, I actually still have to go get my kids. So the no. That's alright. The Wednesday I can do it from the office if we started at, like because I'm assuming it's, what, an hour again. So if we start at 03:30, that's I just closed my office door and, yeah, I can do it then. Yeah. That'd be perfect. Yep. Thank you. 100 and 65. Sorry. Sorry. One six 5. Yeah. Probably sounds yep. Yeah. No. No. I don't think so. Not yet. Yep. No. I am. Yeah. No. I'm still putting the same sort of chunks away. Obviously, it's a bit more now because my salary went up. But, yes, I've put away some money for investing, and I save $6.07 about $7.50 or fortnight. Yeah. Yeah. I split it into funds. So but that's surplus money. Yeah. So it's savings. Yes. It is 47,000. No. Mhmm. Probably dropped again because it's another year. So, I mean, I would I'm actually looking at swapping cards as in trading cards, but I'd honestly just keep it the same. It wouldn't have dropped a huge amount in that time. I possibly moved it up, actually. But, yes, just keep it the same for the purpose of vehicle as well. Yep. No. No. I did yep. I I still do I actually just had two more biopsies. I'm covered in moles, so that would have been detected that one time. Yeah. I have 68 that they monitor. But he did two biopsies. They were perfectly fine. Unfortunately, it's the only way to detect properly melanoma is to take them out. They've never I had one that was in situ, which would be on the policy because I had to send the documents through three years ago. So he's now actually moved me back to yearly consults instead of six monthly because he said you've had nothing in three years. And even that one wasn't in. So it's the earliest possible form that you can find it. So no. No other health issues. No changes there. Just last June. Yes. I'm just thinking I've got some which I can't skin check. There we go. The June 23 was when I went in a month ago. Yep. Mhmm. Yep. Yep. No. I'd probably buy. I'd just leave it and buy more. I think that's back. Yeah. Yes. Yeah. I'm sort of in a a freeze frame, if you call it that. So last December, I had I was in contact with a company that basically source and buy you and build your investment property and, you know, sign up with them, do all of that, and, you know, they you know, it's just one of the it was OpenCorp that I was looking at. And because I would like to either buy investment property or debt recycle and potentially put into shares. However, given the just the change with the government, neither of them look appealing to me to make money. But I did mention to Samantha that I was interested in the concept of debt recycling and, I guess, getting some advice on it. And because I I just seem to have a lot of surplus in my principal, the property that I live in, and how I could utilize that now for long term. Yes. Yep. Yeah. So if I'm not wrong well, I mean, I probably don't have the, you know, technical sides right. But, yes, I essentially can draw down on the what I have in equity well, not full equity. Obviously, only what they would deem that I can service. But say if I pull a $100,000 from those surplus, that sort of becomes its own new loan in a sense because that money is then invested into shares. So, therefore, that component of the loan, that's where you can benefit on the interest. Is that right? At tax time? Yes. Mhmm. Yes. Yes. Mhmm. Yes. Yep. No. Yep. Mhmm. Yep. Yep. Yeah. K. So it says losses, though. How do you get losses on property? I know that sounds like a dumb question, but I'm like, yep. Yep. Okay. Yep. Yeah. Okay. Mhmm. Could've lost. Yeah. Yep. Fine. You can claim it back Yeah. Okay. At the end when you go to fill up. Yep. Mhmm. Yes. Yes. Mhmm. No. It's fine. Mhmm. Mhmm. Yep. Yep. Sounds good. No. No. That's yeah. That all sounds good. Yep. Yeah. If you could, that would be good. Yeah. I know it's a lot, but, yeah, I guess what we're gonna do initially with the and the insurances, and then what other things, what you've just mentioned, you can advise on, and then you can pop the fees in there too. Yeah. Yep. Yep. Three three is probably preferable because it just means I can ask questions if I need to without having to think back six months worth. Yeah. And I guess I know I said the two hun the 200 for salary sacrifice. Sorry. I'm bouncing back. But in the advice, if it's better that I put more in I don't know how you base that off. I'm, yeah, I'm equally happy to increase that because that does benefit me long term, but I've just never changed it again. Yeah. Mhmm. Okay. Yep. Yep. Yes. Again. Yep. The other thing that I've never done, and I appreciate currently I have a lot of surplus on my mortgage. I've never done the drawback. It's probably the wrong term where you can draw back the maximum that I could have paid into my super. Is it three or five years? There's some sort of rule where you can do that. Is that right? Where I can inject because you know the the thresholds? I don't even know if I'm talking about the same Super funds have a threshold per year that you can put into it. Right? I think it was 27,000. It might be 30 thousand now. But then there's like yeah. There's a is it a rule where you can go back is it five years? Because you haven't contributed, and you can inject that in one yeah. I've never used that, but, obviously, I'm mindful I have super things rather clever now with, yes, I know the tax changes aren't all bad, but I've never used that. So I guess in one sense, I do have a lot of cash sitting on my home loan. Yes. It's drawing down in my home loan, but that's gonna be paid off regardless. Is it better that I inject on my drawbacks, whatever they're called? Yep. Yep. Yes. Yes. Okay. Mhmm. Yep. Okay. Okay. Mhmm. Yeah. It does. Yep. Mhmm. Yep. Yes. Yep. Yep. Yep. And I think I will push over because I think one eighty one is the next tax bracket. I could be wrong. I potentially get $20,000 in bonuses, if not 30. So it means now that my base is higher, although it's great, it'll push me is it one eighty one? Is that the next tax bracket? I think I'm just under it. Oh, sorry. One ninety. Okay. So but if I do get yeah. 20,000 will put me right under it. But if it pushes to 30, I will fall into that high one. Yeah. So yeah. So I wouldn't mind doing yes. It's benefiting me one way or another. It doesn't yeah. Yeah. Yeah. Yeah. Probably I mean, you can make a note on it that we're gonna look at that. But if you just more so tag that one for the May discussion or whatever the quarter is that we discussed before it, then I can see I'll know where my income's at and how many bonuses and whatnot by then. Yep. Okay. Okay. Yeah. Perfect. No. All good. Thank you. Yep. No. I think that's it. Yep. No. That's it. I will yeah. I'll be mindful to read through all the advice so I'm ready for that next call. And yeah. Perfect. Yep. Perfect. Sounds good. Thank you so much. You too. See you later. 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Dana. I've got Bianca Malcolm on the phone. Yes. She seems pretty good. She just missed your call.\n\nPerfect. You've got her in 321. I'm good. How are you? I've been at a athletics carnival all day.\n\nSorry. This time I missed your call. I was just getting home. That's funny, but it's windy. Yeah.\n\nSo I feel like I'm wing bone from being outside. Now the kids had their sort of carnival. So oh, Yeah. Yeah. Good.\n\nThe little guys are in kindy, so they sort of just do the fun stuff like race, but the old one did some races, so he had fun. Yeah. Okay. Yeah. Yep.\n\nMhmm. Yep. Yep. Mhmm. Yes.\n\nI guess I just I think I put it with Samantha, though. But, you know, when I came on, it was a cold call from a gentleman who called and said, you know, we're analyzing super funds and blah blah blah. And I don't normally go for those things because, you know, to me, they're all scams. But we did get to the bottom line of and he said, you know, if it works, there's no charge, and you go to, you know, Oatsy handle you, and, you know, they'll be able to give you advice on everything. And I sort of went, you know what?\n\nI'm probably at a point in my life where that's not a bad thing. And then I guess it was Tariq, I think I started with. And then, you know, admittedly, I did constantly get your you know, whatever that notice is that I get that says, you know, these shares have been sold within your super fund, and these funds have been purchased. So there was a lot of that in the early days. Like, I'm talking probably every fortnight, if not every three weeks.\n\nAnd so I'm like, okay. They're obviously actively managing my super fund to get to, you know, the higher returns and whatever. So happy days. It sat there. Then, obviously, we hit the first roadblock December 24, I wanna call it, where my insurances weren't really moved, and then Tarik had moved on.\n\nSo I think that's when you joined or took over my account. And, yeah, the trade sorta kept happening. And then I don't I feel like the last twelve months, it's just few and far between. I don't know if that's a strategy thing. Like, I think I've had and I could be wrong, but maybe three emails in the last six months about, you know, your adviser has traded.\n\nSo I went, oh, I don't know what's happening in terms of that's what the fee, I guess, is justified because you go, well, they're actively moving your funds. Because then I go, otherwise, is it just a super fund now? I mean, obviously, they're both super funds, but, you know, there's a difference between an actively managed one and just sort of a passive one. And then I know we did all the insurances at the start of the year, and that was really because I was just concerned, you know, if my kids got sick and whatnot. And and and that was really great.\n\nBut, yeah, I sort of got to a point now where I'm like, okay. Do I buy an investment property? Do I not? And then, obviously, I follow, you know, different advisers on social media, which I know, you know, they're are they all qualified? Don't know.\n\nBut some of them are like, well, in our fee, we include advice on absolutely everything. We can forecast, you know, best practice based on current interest rates for, you know, five, ten years, which way to go. And I'm like, is that what I see is meant to be able to do for me? Because then I feel like, should I be paying two fees, or is it part of it? Because yeah.\n\nAnd so I think that's where I just said to Samantha, I'm concerned. I don't know if that's the right word to say because my super fund's gonna naturally grow because, obviously, my employer puts into it. I do the additional on top of it. So it's always gonna go up. So, therefore, I understand your fees, what whatever it works out to be, one point something.\n\nSo, naturally, as my base increases, your fee also increases. But then, I guess, to me, I'm like, what's the return on investment for that fee if all it is is three trades every six months? It doesn't seem like a great deal for me is what I'm trying to, yeah, understand. Yeah. So that's where my honest, you know, understanding is, and I don't I don't know.\n\nYeah. Yep. Yes. Yep. Mhmm.\n\nYes. Okay. Mhmm. Mhmm. Yes.\n\nMhmm. Yep. Okay. Yep. Mhmm.\n\nYep. Mhmm. Yes. Yes. Yep.\n\nYeah. I can tell you my last because I saved these. I'm I'm a bit OCD. So I had one on the twenty sixth of May, so that came through as your trade summary. The one previous to that, Dana, and maybe they just weren't coming through, was the January 6 January 6 and then thirty first of December.\n\nThat's what I mean. It just seems odd and then one December. So I had two in December, weirdly, and one late November, then an October one. They just don't seem to be consistent for the last like I said, it's almost six months between those last two. I wouldn't have delete like, I mean, maybe I deleted it, but I doubt it.\n\nI tend to save this stuff. Yeah. I just noticed it wasn't so once a month sounds about right when I first and if I go back, I do. I've got August 29, September 26, and I've got an October one, and then October again, November, December. But from this year, no.\n\nIt's like it stopped after January. So May is my next one. Yeah. Yeah. Yeah.\n\nYeah. Definitely. Mhmm. Yep. Yes.\n\nOkay. Yes. Yeah. That's correct. Yeah.\n\nYeah. Thank you. And I do appreciate like, I mean, we all you know, I run a few different businesses. We don't always get it right. I get that.\n\nBut I did. I just kinda went. Am I locked in? Am I stuck? And Samantha was very honest the other day.\n\nShe just said exactly what you said. She said you're not. You can actually keep your insurance. We can just move it. The super fund but am I there's only bit I don't understand.\n\nSo Hub twenty four, is that a fund I can only have if I'm under a financial adviser? Okay. Yep. Yep. Yep.\n\nOkay. Okay. Yes. Yep. Yep.\n\nYeah. Okay. Yep. K. Alright.\n\nSo do you just wanna go through the documents that you sent? Is that what yeah. Mhmm. Yeah. Yep.\n\nYep. I do. Yep. Yeah. I do.\n\nI've opened a few. Yep. And what I've just done yeah. Sorry. I'm just I've got a 100 different screens open.\n\nThe super and insurance summary. Yes. I've got it open. Yep. Mhmm.\n\nIs that somewhere on sorry. Is there a summary of that? Okay. Yep. I did wanna know what the yeah.\n\nWhat I actually contributed versus the difference. Yeah. Yep. Mhmm. Yep.\n\nYep. Yep. Sorry. Yeah. I can't.\n\nYeah. Mhmm. Mhmm. Yep. Yep.\n\nMhmm. Yeah. Yeah. It does. Yep.\n\nMhmm. Mhmm. Yep. No. No.\n\nThat sounds good. Yep. Yeah. Yes. Yep.\n\nYep. No. No. That's fine. These aren't shares that I'm overly I mean, some of them I'm familiar with, but none of those that you just spoke about.\n\nSo, yeah, I'm happy for them to change. And, yeah, the Bendal Bendalong one doesn't sound like it's gonna come out anytime soon. Yeah. So yep. Mhmm.\n\nSo would you pick can I ask sorry? Would you is that number of shares, the number that you like to have for the value of my super fund, or would you just move some of those funds into some of the other shares? Like, what is the theory behind how many, I guess, are held at any given time? Mhmm. Yep.\n\nOkay. Mhmm. Yep. Yep. Yep.\n\nYep. Yes. Yes. Mhmm. Yes, sir.\n\nYep. No. No. That is alright. I do.\n\nI understand it. Yeah. Let me check. Yes. Yep.\n\nYeah. That's all. Yep. Yes. I probably do need to I know I left the statement of advice as well, and it's expired now, but I probably do need to look at those.\n\nNot so much. I know I've got you to do income protection, but I'm not I'm not as worried now. There was something that had happened at the end of last year. But, potentially, that my kid's insurance, I definitely should do that, I think. The yeah.\n\nJust in case. I know. That's probably the one that I'd be pushing to go ahead with. Yeah. That was the one that that resets.\n\nIs it the one that does a random reset? Is it is it what it was is it the right terminology? Because this is like if I go through, like, cancer. Is that right? That's that's where this would classify.\n\nAnd say and then so you get access to those funds, but then, essentially, it's for, like, reset. So if you were to have a different trauma is that right? Am I saying that right? Yes. Yeah.\n\nK. It's like reset, I think. Mhmm. Yes. Mhmm.\n\nYep. Yes. Yes. Yes. Yes.\n\nI don't know. I feel like I am at an age where people are just falling on the left, right, and center. It's very scary. And whether it's illnesses or actual death, which, obviously, I have that. And if it's me, my kids, you know, I know that's all set up.\n\nBut I do I feel like every second person's been diagnosed with cancer at the moment, which is where that one would fall. So, yeah, so I should probably definitely look at my trauma as well as the children. And then, yeah, probably park the what we had income protection added on that one. And was that it that I added to it? I can't actually remember.\n\nYeah. Mhmm. Okay. Yep. Mhmm.\n\nYep. I probably do just need to relook at it. So if you can send them through. The only thing to point out is my income's moved to a 165,000. Yeah.\n\nSo that obviously affects the insurance as well. I don't know if the million dollars is overkill now. I mean, it depends, obviously, if I buy another property. Because my mortgage is very small, and I understand so the million dollars what was that on? My lot no.\n\nMy yeah. Okay. I get what you mean. That's the total. No.\n\nHang on. Is that if I'm dead? What's that one? Yeah. Yeah.\n\nOkay. Yeah. So that would be my children. Okay. So the million dollars is taxed.\n\nI just I know it's terrible. Right? It's and not to get political on you, but I go it's their way of saying, you're not gonna give us tax because you're not gonna work, so we're gonna take it from you. Like, it's just terrific. Mhmm.\n\nYep. Yes. Okay. I get really confused. I know I shouldn't, but I do because I have a million and one offset.\n\nI have 10 offset accounts. So if I look on my actual mortgage, it says my balance is 257,000. Call it 250 8,000, and I have an availability of 210,000. So I actually believe when you put those numbers together, that's what my technical mortgage is, if I'm reading that right. This always confuses me.\n\nYeah. So my actual active mortgage would still be about, I don't know, 400 and something, but I have that surplus in there, so it tells me my balance is 2 57. Yeah. Mhmm. Yes.\n\nAlready before I even consider another insurance. That's what Right? Yeah. Okay. Which could that's what I'm thinking.\n\nI think it's overkill. I mean, obviously, it's not if I become totally disabled because that's what TPD is. Right? Am I saying that right? Total permanent disability?\n\nYeah. So because life cover is only if I die. Oh, no. I do have a TPD cover. Oh, okay.\n\nSo then I okay. Now I'm totally confused. So Mhmm. Yep. Yes.\n\nCorrect. Yep. Yeah. Yep. Mhmm.\n\nMhmm. Yes. Yeah. It's my it's currently my sorry. It's currently my okay.\n\nSo he's he's the working so, yes, I have a father who, obviously, I'm divorced from, but my will states that my parents become the controllers of said super and beneficiaries. So I don't know if that needs to be updated. So then in my eyes, even though their father would become their guardian under my will, the guardian of my state is my parents, not him, if that makes sense. Yep. Mhmm.\n\nYep. Yes. Yes. Yeah. And that's probably that's probably the bit I I haven't done that next level, and I don't know how that falls, whether it's I mean, my solicitor does the will, not an accountant.\n\nBut I should probably I mean, all the tax changes, I have no idea which way you go now with trust and whatnot. That's the step I don't have. So, yes, say there's $700,000. I don't physically know where that's actually going if they're still children. But I don't have that step that you just talked about where it goes into a trust.\n\nI just have my parents as the executive to my will, but there's no dictation on where those funds technically go. Yeah. Yep. And so can I ask you, do you guys advise on trust? Who is best to do that bit?\n\nThat's where I get a bit lost. We have an accountant at work who does trust, but, honestly, I don't trust him. I don't trust him at the moment because I'm part of a family trust as well, but I don't honestly understand it for my own children. Yeah. Yep.\n\nYes. Yes. Mhmm. Yeah. K.\n\nYep. Mhmm. Yep. Yeah. That's fine.\n\nYep. Mhmm. Yep. Yeah. That'll be fine.\n\nIs that because it's a one stop thing? So I'm thinking life outside of Subaru is probably overkill given I have the other life insurance. Yes. Mhmm. So, yeah, that's fine.\n\nYou can, yeah, put it in there. But then if I was to put that life, do I remove the super life one or no? You're saying have both? Okay. Yep.\n\nYeah. Yes. Yep. Okay. Yep.\n\nYeah. That's fine. Yep. No. You can put it in there so I have at least a rough idea, but I probably won't go ahead with that one.\n\nYeah. Yep. Yeah. That's fine. Yep.\n\nMhmm. Yep. Yeah. That's fine. Yep.\n\nYep. Sounds good. Yes. Mhmm. What does that involve me doing?\n\nMaking them what did you call them? A legal person. Is that what you called them? Okay. Mhmm.\n\nOkay. And so that would mean we're currently state beneficiary details of my two kids that would change to the LPL. Is that what you're saying? It replaces that. Yeah.\n\nOkay. Yeah. Okay. Yeah. Okay.\n\nYep. Yep. Yes. Yeah. That's fine.\n\nScary. I don't so what day because you only do you do four days, don't you? Which day do you not work? Okay. No.\n\nI'm I'm in the office five days, but a Thursday actually works better because the boys stay their dead on a Thursday night. So means I don't have to rush the pickups. Yeah. So I'm happy if you have a late slot, whatever your late slot would be. Oh, wow.\n\nOkay. On the nineteenth? No. Well, for Thursday, I sorry. What I meant was I don't have to leave the office to get the boys, whereas the other day, I actually still have to go get my kids.\n\nSo the no. That's alright. The Wednesday I can do it from the office if we started at, like because I'm assuming it's, what, an hour again. So if we start at 03:30, that's I just closed my office door and, yeah, I can do it then. Yeah.\n\nThat'd be perfect. Yep. Thank you. 100 and 65. Sorry.\n\nSorry. One six 5. Yeah. Probably sounds yep. Yeah.\n\nNo. No. I don't think so. Not yet. Yep.\n\nNo. I am. Yeah. No. I'm still putting the same sort of chunks away.\n\nObviously, it's a bit more now because my salary went up. But, yes, I've put away some money for investing, and I save $6.07 about $7.50 or fortnight. Yeah. Yeah. I split it into funds.\n\nSo but that's surplus money. Yeah. So it's savings. Yes. It is 47,000.\n\nNo. Mhmm. Probably dropped again because it's another year. So, I mean, I would I'm actually looking at swapping cards as in trading cards, but I'd honestly just keep it the same. It wouldn't have dropped a huge amount in that time.\n\nI possibly moved it up, actually. But, yes, just keep it the same for the purpose of vehicle as well. Yep. No. No.\n\nI did yep. I I still do I actually just had two more biopsies. I'm covered in moles, so that would have been detected that one time. Yeah. I have 68 that they monitor.\n\nBut he did two biopsies. They were perfectly fine. Unfortunately, it's the only way to detect properly melanoma is to take them out. They've never I had one that was in situ, which would be on the policy because I had to send the documents through three years ago. So he's now actually moved me back to yearly consults instead of six monthly because he said you've had nothing in three years.\n\nAnd even that one wasn't in. So it's the earliest possible form that you can find it. So no. No other health issues. No changes there.\n\nJust last June. Yes. I'm just thinking I've got some which I can't skin check. There we go. The June 23 was when I went in a month ago.\n\nYep. Mhmm. Yep. Yep. No.\n\nI'd probably buy. I'd just leave it and buy more. I think that's back. Yeah. Yes.\n\nYeah. I'm sort of in a a freeze frame, if you call it that. So last December, I had I was in contact with a company that basically source and buy you and build your investment property and, you know, sign up with them, do all of that, and, you know, they you know, it's just one of the it was OpenCorp that I was looking at. And because I would like to either buy investment property or debt recycle and potentially put into shares. However, given the just the change with the government, neither of them look appealing to me to make money.\n\nBut I did mention to Samantha that I was interested in the concept of debt recycling and, I guess, getting some advice on it. And because I I just seem to have a lot of surplus in my principal, the property that I live in, and how I could utilize that now for long term. Yes. Yep. Yeah.\n\nSo if I'm not wrong well, I mean, I probably don't have the, you know, technical sides right. But, yes, I essentially can draw down on the what I have in equity well, not full equity. Obviously, only what they would deem that I can service. But say if I pull a $100,000 from those surplus, that sort of becomes its own new loan in a sense because that money is then invested into shares. So, therefore, that component of the loan, that's where you can benefit on the interest.\n\nIs that right? At tax time? Yes. Mhmm. Yes.\n\nYes. Mhmm. Yes. Yep. No.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nK. So it says losses, though. How do you get losses on property? I know that sounds like a dumb question, but I'm like, yep. Yep.\n\nOkay. Yep. Yeah. Okay. Mhmm.\n\nCould've lost. Yeah. Yep. Fine. You can claim it back Yeah.\n\nOkay. At the end when you go to fill up. Yep. Mhmm. Yes.\n\nYes. Mhmm. No. It's fine. Mhmm.\n\nMhmm. Yep. Yep. Sounds good. No.\n\nNo. That's yeah. That all sounds good. Yep. Yeah.\n\nIf you could, that would be good. Yeah. I know it's a lot, but, yeah, I guess what we're gonna do initially with the and the insurances, and then what other things, what you've just mentioned, you can advise on, and then you can pop the fees in there too. Yeah. Yep.\n\nYep. Three three is probably preferable because it just means I can ask questions if I need to without having to think back six months worth. Yeah. And I guess I know I said the two hun the 200 for salary sacrifice. Sorry.\n\nI'm bouncing back. But in the advice, if it's better that I put more in I don't know how you base that off. I'm, yeah, I'm equally happy to increase that because that does benefit me long term, but I've just never changed it again. Yeah. Mhmm.\n\nOkay. Yep. Yep. Yes. Again.\n\nYep. The other thing that I've never done, and I appreciate currently I have a lot of surplus on my mortgage. I've never done the drawback. It's probably the wrong term where you can draw back the maximum that I could have paid into my super. Is it three or five years?\n\nThere's some sort of rule where you can do that. Is that right? Where I can inject because you know the the thresholds? I don't even know if I'm talking about the same Super funds have a threshold per year that you can put into it. Right?\n\nI think it was 27,000. It might be 30 thousand now. But then there's like yeah. There's a is it a rule where you can go back is it five years? Because you haven't contributed, and you can inject that in one yeah.\n\nI've never used that, but, obviously, I'm mindful I have super things rather clever now with, yes, I know the tax changes aren't all bad, but I've never used that. So I guess in one sense, I do have a lot of cash sitting on my home loan. Yes. It's drawing down in my home loan, but that's gonna be paid off regardless. Is it better that I inject on my drawbacks, whatever they're called?\n\nYep. Yep. Yes. Yes. Okay.\n\nMhmm. Yep. Okay. Okay. Mhmm.\n\nYeah. It does. Yep. Mhmm. Yep.\n\nYes. Yep. Yep. Yep. And I think I will push over because I think one eighty one is the next tax bracket.\n\nI could be wrong. I potentially get $20,000 in bonuses, if not 30. So it means now that my base is higher, although it's great, it'll push me is it one eighty one? Is that the next tax bracket? I think I'm just under it.\n\nOh, sorry. One ninety. Okay. So but if I do get yeah. 20,000 will put me right under it.\n\nBut if it pushes to 30, I will fall into that high one. Yeah. So yeah. So I wouldn't mind doing yes. It's benefiting me one way or another.\n\nIt doesn't yeah. Yeah. Yeah. Yeah. Probably I mean, you can make a note on it that we're gonna look at that.\n\nBut if you just more so tag that one for the May discussion or whatever the quarter is that we discussed before it, then I can see I'll know where my income's at and how many bonuses and whatnot by then. Yep. Okay. Okay. Yeah.\n\nPerfect. No. All good. Thank you. Yep.\n\nNo. I think that's it. Yep. No. That's it.\n\nI will yeah. I'll be mindful to read through all the advice so I'm ready for that next call. And yeah. Perfect. Yep.\n\nPerfect. Sounds good. Thank you so much. You too. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Dana.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.05970526114106178},{"text":"I've got Bianca Malcolm on the phone.","start":2.56,"end":4.5,"sentiment":"neutral","sentiment_score":0.10181367823055812},{"text":"Yes.","start":9.28,"end":9.599999,"sentiment":"neutral","sentiment_score":0.23197993636131287},{"text":"She seems pretty good.","start":9.599999,"end":10.48,"sentiment":"positive","sentiment_score":0.45568403601646423},{"text":"She just missed your call.","start":10.48,"end":11.7,"sentiment":"neutral","sentiment_score":0.03714301586151123}],"sentiment":"neutral","sentiment_score":0.1617124962963556,"num_words":19,"start":1.92,"end":11.7},{"sentences":[{"text":"Perfect.","start":16.735,"end":17.135,"sentiment":"positive","sentiment_score":0.40842288732528687},{"text":"You've got her in 321.","start":17.135,"end":19.075,"sentiment":"neutral","sentiment_score":0.12688968181610108},{"text":"I'm good.","start":23.535,"end":24.015,"sentiment":"neutral","sentiment_score":0.3089842051267624},{"text":"How are you?","start":24.015,"end":24.835,"sentiment":"neutral","sentiment_score":0.2324360509713491},{"text":"I've been at a athletics carnival all day.","start":30.25,"end":32.89,"sentiment":"neutral","sentiment_score":0.021493100561201572}],"sentiment":"neutral","sentiment_score":0.13316277179278826,"num_words":19,"start":16.735,"end":32.89},{"sentences":[{"text":"Sorry.","start":32.89,"end":33.129997,"sentiment":"neutral","sentiment_score":-0.04534751921892166},{"text":"This time I missed your call.","start":33.129997,"end":34.17,"sentiment":"neutral","sentiment_score":-0.05774825687209765},{"text":"I was just getting home.","start":34.17,"end":35.47,"sentiment":"neutral","sentiment_score":-0.031149269081652164},{"text":"That's funny, but it's windy.","start":37.21,"end":39.71,"sentiment":"neutral","sentiment_score":-0.01981148011982441},{"text":"Yeah.","start":42.614998,"end":42.934998,"sentiment":"neutral","sentiment_score":-0.007080070674419403}],"sentiment":"neutral","sentiment_score":-0.0363178265074061,"num_words":18,"start":32.89,"end":42.934998},{"sentences":[{"text":"So I feel like I'm wing bone from being outside.","start":42.934998,"end":45.975,"sentiment":"neutral","sentiment_score":-0.037323470786213876},{"text":"Now the kids had their sort of carnival.","start":45.975,"end":47.835,"sentiment":"neutral","sentiment_score":0.0012305080890655518},{"text":"So oh, Yeah.","start":48.495,"end":53.195,"sentiment":"neutral","sentiment_score":0.016550761957963307},{"text":"Yeah.","start":53.495,"end":53.655,"sentiment":"neutral","sentiment_score":0.06922473013401031},{"text":"Good.","start":53.655,"end":53.975,"sentiment":"neutral","sentiment_score":0.19064919650554657}],"sentiment":"neutral","sentiment_score":-0.0023419317667898927,"num_words":23,"start":42.934998,"end":53.975},{"sentences":[{"text":"The little guys are in kindy, so they sort of just do the fun stuff like race, but the old one did some races, so he had fun.","start":53.975,"end":60.91,"sentiment":"neutral","sentiment_score":0.17917787177222116},{"text":"Yeah.","start":61.050003,"end":61.550003,"sentiment":"neutral","sentiment_score":0.12583595514297485},{"text":"Okay.","start":66.89,"end":67.39,"sentiment":"neutral","sentiment_score":0.11531485617160796},{"text":"Yeah.","start":70.33,"end":70.83,"sentiment":"neutral","sentiment_score":0.10543891787528992},{"text":"Yep.","start":73.985,"end":74.485,"sentiment":"neutral","sentiment_score":0.11224929988384248}],"sentiment":"neutral","sentiment_score":0.1711193574592471,"num_words":32,"start":53.975,"end":74.485},{"sentences":[{"text":"Mhmm.","start":85.185,"end":85.685,"sentiment":"neutral","sentiment_score":0.021180665120482445},{"text":"Yep.","start":94.590004,"end":95.090004,"sentiment":"neutral","sentiment_score":0.036154769361019135},{"text":"Yep.","start":104.445,"end":104.945,"sentiment":"neutral","sentiment_score":-0.010219212621450424},{"text":"Mhmm.","start":112.845,"end":113.345,"sentiment":"neutral","sentiment_score":0.1964848190546036},{"text":"Yes.","start":117.840004,"end":118.340004,"sentiment":"neutral","sentiment_score":0.07634373009204865}],"sentiment":"neutral","sentiment_score":0.06398895420134068,"num_words":5,"start":85.185,"end":118.340004},{"sentences":[{"text":"I guess I just I think I put it with Samantha, though.","start":118.56,"end":122.16,"sentiment":"neutral","sentiment_score":0.00037096207961440086},{"text":"But, you know, when I came on, it was a cold call from a gentleman who called and said, you know, we're analyzing super funds and blah blah blah.","start":122.16,"end":131.08499,"sentiment":"neutral","sentiment_score":-0.1611580632883927},{"text":"And I don't normally go for those things because, you know, to me, they're all scams.","start":131.08499,"end":135.265,"sentiment":"negative","sentiment_score":-0.36071774642914534},{"text":"But we did get to the bottom line of and he said, you know, if it works, there's no charge, and you go to, you know, Oatsy handle you, and, you know, they'll be able to give you advice on everything.","start":136.605,"end":145.16,"sentiment":"neutral","sentiment_score":0.32023016018111533},{"text":"And I sort of went, you know what?","start":145.16,"end":146.36,"sentiment":"neutral","sentiment_score":-0.04135779570788145}],"sentiment":"neutral","sentiment_score":0.022244886495172977,"num_words":106,"start":118.56,"end":146.36},{"sentences":[{"text":"I'm probably at a point in my life where that's not a bad thing.","start":146.36,"end":149.02,"sentiment":"neutral","sentiment_score":-0.12344981916248798},{"text":"And then I guess it was Tariq, I think I started with.","start":149.56,"end":152.36,"sentiment":"neutral","sentiment_score":0.007280288574596246},{"text":"And then, you know, admittedly, I did constantly get your you know, whatever that notice is that I get that says, you know, these shares have been sold within your super fund, and these funds have been purchased.","start":152.36,"end":164.325,"sentiment":"neutral","sentiment_score":0.03512003091409018},{"text":"So there was a lot of that in the early days.","start":164.325,"end":166.725,"sentiment":"neutral","sentiment_score":-0.027387496253306217},{"text":"Like, I'm talking probably every fortnight, if not every three weeks.","start":166.725,"end":169.785,"sentiment":"neutral","sentiment_score":-0.0123381232842803}],"sentiment":"neutral","sentiment_score":-0.0086436586692756,"num_words":86,"start":146.36,"end":169.785},{"sentences":[{"text":"And so I'm like, okay.","start":170.03,"end":170.83,"sentiment":"neutral","sentiment_score":0.027478672051802277},{"text":"They're obviously actively managing my super fund to get to, you know, the higher returns and whatever.","start":170.83,"end":176.43,"sentiment":"neutral","sentiment_score":0.24804531432249965},{"text":"So happy days.","start":176.43,"end":177.23,"sentiment":"positive","sentiment_score":0.37717553973197937},{"text":"It sat there.","start":177.23,"end":178.12999,"sentiment":"neutral","sentiment_score":-0.04190415392319361},{"text":"Then, obviously, we hit the first roadblock December 24, I wanna call it, where my insurances weren't really moved, and then Tarik had moved on.","start":178.19,"end":187.27501,"sentiment":"neutral","sentiment_score":-0.23370152711868286}],"sentiment":"neutral","sentiment_score":-0.009104911637720916,"num_words":53,"start":170.03,"end":187.27501},{"sentences":[{"text":"So I think that's when you joined or took over my account.","start":187.27501,"end":190.735,"sentiment":"neutral","sentiment_score":-0.025558223016560078},{"text":"And, yeah, the trade sorta kept happening.","start":192.71501,"end":195.035,"sentiment":"neutral","sentiment_score":-0.247412631554263},{"text":"And then I don't I feel like the last twelve months, it's just few and far between.","start":195.035,"end":199.98999,"sentiment":"negative","sentiment_score":-0.3759126295061672},{"text":"I don't know if that's a strategy thing.","start":200.20999,"end":202.15,"sentiment":"neutral","sentiment_score":-0.2586990329436958},{"text":"Like, I think I've had and I could be wrong, but maybe three emails in the last six months about, you know, your adviser has traded.","start":202.29,"end":210.20999,"sentiment":"neutral","sentiment_score":-0.031030285333354887}],"sentiment":"neutral","sentiment_score":-0.16150687829857427,"num_words":70,"start":187.27501,"end":210.20999},{"sentences":[{"text":"So I went, oh, I don't know what's happening in terms of that's what the fee, I guess, is justified because you go, well, they're actively moving your funds.","start":210.20999,"end":219.745,"sentiment":"neutral","sentiment_score":0.07516805429396958},{"text":"Because then I go, otherwise, is it just a super fund now?","start":219.745,"end":222.545,"sentiment":"neutral","sentiment_score":0.009288237119714418},{"text":"I mean, obviously, they're both super funds, but, you know, there's a difference between an actively managed one and just sort of a passive one.","start":222.545,"end":228.645,"sentiment":"neutral","sentiment_score":-0.03774861130863428},{"text":"And then I know we did all the insurances at the start of the year, and that was really because I was just concerned, you know, if my kids got sick and whatnot.","start":230.11,"end":237.23,"sentiment":"neutral","sentiment_score":-0.05202642816937331},{"text":"And and and that was really great.","start":237.23,"end":239.87,"sentiment":"neutral","sentiment_score":0.32634670180933817}],"sentiment":"neutral","sentiment_score":0.01806765962567813,"num_words":106,"start":210.20999,"end":239.87},{"sentences":[{"text":"But, yeah, I sort of got to a point now where I'm like, okay.","start":239.87,"end":242.90999,"sentiment":"neutral","sentiment_score":-0.03685726039111614},{"text":"Do I buy an investment property?","start":242.90999,"end":244.305,"sentiment":"neutral","sentiment_score":-0.044725111996134125},{"text":"Do I not?","start":244.305,"end":245.025,"sentiment":"neutral","sentiment_score":-0.08038082718849182},{"text":"And then, obviously, I follow, you know, different advisers on social media, which I know, you know, they're are they all qualified?","start":245.025,"end":251.685,"sentiment":"neutral","sentiment_score":0.02927291105416688},{"text":"Don't know.","start":251.745,"end":252.485,"sentiment":"neutral","sentiment_score":-0.0433458611369133}],"sentiment":"neutral","sentiment_score":-0.009961329321277903,"num_words":47,"start":239.87,"end":252.485},{"sentences":[{"text":"But some of them are like, well, in our fee, we include advice on absolutely everything.","start":252.545,"end":257.105,"sentiment":"neutral","sentiment_score":0.08022735035046935},{"text":"We can forecast, you know, best practice based on current interest rates for, you know, five, ten years, which way to go.","start":257.105,"end":263.5,"sentiment":"neutral","sentiment_score":0.10886166447942908},{"text":"And I'm like, is that what I see is meant to be able to do for me?","start":263.72,"end":266.76,"sentiment":"neutral","sentiment_score":0.1454180706949795},{"text":"Because then I feel like, should I be paying two fees, or is it part of it?","start":266.76,"end":271.0,"sentiment":"neutral","sentiment_score":-0.03348725245279424},{"text":"Because yeah.","start":271.0,"end":272.12,"sentiment":"neutral","sentiment_score":0.015772031620144844}],"sentiment":"neutral","sentiment_score":0.07585084050692417,"num_words":74,"start":252.545,"end":272.12},{"sentences":[{"text":"And so I think that's where I just said to Samantha, I'm concerned.","start":272.12,"end":276.785,"sentiment":"neutral","sentiment_score":-0.008248167506490763},{"text":"I don't know if that's the right word to say because my super fund's gonna naturally grow because, obviously, my employer puts into it.","start":276.845,"end":284.04498,"sentiment":"neutral","sentiment_score":0.032766154035925865},{"text":"I do the additional on top of it.","start":284.04498,"end":286.305,"sentiment":"neutral","sentiment_score":0.19158247113227844},{"text":"So it's always gonna go up.","start":286.525,"end":287.72498,"sentiment":"neutral","sentiment_score":0.1410555881836141},{"text":"So, therefore, I understand your fees, what whatever it works out to be, one point something.","start":287.72498,"end":292.02,"sentiment":"neutral","sentiment_score":0.028631286462768912}],"sentiment":"neutral","sentiment_score":0.05248142389316501,"num_words":67,"start":272.12,"end":292.02},{"sentences":[{"text":"So, naturally, as my base increases, your fee also increases.","start":292.02,"end":296.75998,"sentiment":"neutral","sentiment_score":0.03509915340691805},{"text":"But then, I guess, to me, I'm like, what's the return on investment for that fee if all it is is three trades every six months?","start":296.81998,"end":302.97998,"sentiment":"neutral","sentiment_score":0.0125803927747676},{"text":"It doesn't seem like a great deal for me is what 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can tell you my last because I saved these.","start":706.58496,"end":708.90497,"sentiment":"neutral","sentiment_score":-0.013630302250385284},{"text":"I'm I'm a bit OCD.","start":708.90497,"end":710.205,"sentiment":"neutral","sentiment_score":-0.19252216666936875},{"text":"So I had one on the twenty sixth of May, so that came through as your trade summary.","start":710.505,"end":715.325,"sentiment":"neutral","sentiment_score":-0.03782147800342904},{"text":"The one previous to that, Dana, and maybe they just weren't coming through, was the January 6 January 6 and then thirty first of December.","start":715.705,"end":724.25,"sentiment":"neutral","sentiment_score":-0.06980221197009087}],"sentiment":"neutral","sentiment_score":-0.0593919850633306,"num_words":59,"start":706.505,"end":724.25},{"sentences":[{"text":"That's what I mean.","start":724.25,"end":725.21,"sentiment":"neutral","sentiment_score":-0.09256296046078205},{"text":"It just seems odd and then one 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January.","start":767.28503,"end":769.145,"sentiment":"neutral","sentiment_score":-0.08450600504875183},{"text":"So May is my next one.","start":770.965,"end":773.205,"sentiment":"neutral","sentiment_score":-0.03346878352264563},{"text":"Yeah.","start":773.205,"end":773.705,"sentiment":"neutral","sentiment_score":-0.001672159880399704},{"text":"Yeah.","start":775.685,"end":776.185,"sentiment":"neutral","sentiment_score":0.07823196053504944},{"text":"Yeah.","start":786.49,"end":786.89,"sentiment":"neutral","sentiment_score":0.047591887414455414}],"sentiment":"neutral","sentiment_score":-0.038913136223951976,"num_words":15,"start":767.28503,"end":786.89},{"sentences":[{"text":"Yeah.","start":786.89,"end":787.29,"sentiment":"neutral","sentiment_score":0.0628233551979065},{"text":"Definitely.","start":787.29,"end":787.79,"sentiment":"neutral","sentiment_score":0.11922728270292282},{"text":"Mhmm.","start":832.74005,"end":833.24005,"sentiment":"neutral","sentiment_score":-0.0347544327378273},{"text":"Yep.","start":834.42004,"end":834.92004,"sentiment":"neutral","sentiment_score":0.07322683930397034},{"text":"Yes.","start":846.925,"end":847.425,"sentiment":"neutral","sentiment_score":0.019643504172563553}],"sentiment":"neutral","sentiment_score":0.04803330972790718,"num_words":5,"start":786.89,"end":847.425},{"sentences":[{"text":"Okay.","start":872.82,"end":873.32,"sentiment":"positive","sentiment_score":0.5639252662658691},{"text":"Yes.","start":876.415,"end":876.915,"sentiment":"neutral","sentiment_score":0.2997223436832428},{"text":"Yeah.","start":923.72,"end":924.22,"sentiment":"neutral","sentiment_score":-0.08358611166477203},{"text":"That's correct.","start":924.27997,"end":925.08,"sentiment":"neutral","sentiment_score":-0.12012476474046707},{"text":"Yeah.","start":925.08,"end":925.58,"sentiment":"neutral","sentiment_score":-0.10663942247629166}],"sentiment":"neutral","sentiment_score":0.07219542438785236,"num_words":6,"start":872.82,"end":925.58},{"sentences":[{"text":"Yeah.","start":939.73505,"end":940.05505,"sentiment":"neutral","sentiment_score":-0.16497784852981567},{"text":"Thank you.","start":940.05505,"end":940.53503,"sentiment":"neutral","sentiment_score":0.15951773524284363},{"text":"And I do appreciate like, I mean, we all you know, I run a few different businesses.","start":940.53503,"end":945.015,"sentiment":"neutral","sentiment_score":0.030142621849389636},{"text":"We don't always get it right.","start":945.015,"end":946.61505,"sentiment":"neutral","sentiment_score":-0.08895308896899223},{"text":"I get 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you said.","start":952.66003,"end":954.10004,"sentiment":"neutral","sentiment_score":-0.23950259387493134},{"text":"She said you're not.","start":954.10004,"end":954.82,"sentiment":"neutral","sentiment_score":-0.1846795193850994},{"text":"You can actually keep your insurance.","start":954.82,"end":956.60004,"sentiment":"neutral","sentiment_score":-0.1189765731493632},{"text":"We can just move it.","start":956.66003,"end":957.86005,"sentiment":"neutral","sentiment_score":-0.12103239446878433},{"text":"The super fund but am I there's only bit I don't understand.","start":957.86005,"end":960.98004,"sentiment":"neutral","sentiment_score":-0.1455379268154502}],"sentiment":"neutral","sentiment_score":-0.16119743434383588,"num_words":34,"start":952.66003,"end":960.98004},{"sentences":[{"text":"So Hub twenty four, is that a fund I can only have if I'm under a financial 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do you just wanna go through the documents that you sent?","start":1083.8099,"end":1087.33,"sentiment":"neutral","sentiment_score":0.014044640197729072},{"text":"Is that what yeah.","start":1087.33,"end":1090.39,"sentiment":"neutral","sentiment_score":0.09759482671506703},{"text":"Mhmm.","start":1100.3151,"end":1100.8151,"sentiment":"neutral","sentiment_score":0.020354172214865685},{"text":"Yeah.","start":1101.035,"end":1101.535,"sentiment":"neutral","sentiment_score":-0.010455559939146042},{"text":"Yep.","start":1117.9,"end":1118.4,"sentiment":"neutral","sentiment_score":0.09686508774757384}],"sentiment":"neutral","sentiment_score":0.03503572048717424,"num_words":19,"start":1083.8099,"end":1118.4},{"sentences":[{"text":"Yep.","start":1125.6649,"end":1126.1649,"sentiment":"neutral","sentiment_score":0.03905417025089264},{"text":"I 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sounds 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fine.","start":1625.245,"end":1625.885,"sentiment":"neutral","sentiment_score":-0.02357953879982233},{"text":"These aren't shares that I'm overly I mean, some of them I'm familiar with, but none of those that you just spoke about.","start":1625.885,"end":1632.65,"sentiment":"neutral","sentiment_score":-0.03999324102440606}],"sentiment":"neutral","sentiment_score":-0.034149475661771636,"num_words":28,"start":1619.005,"end":1632.65},{"sentences":[{"text":"So, yeah, I'm happy for them to change.","start":1633.35,"end":1635.85,"sentiment":"neutral","sentiment_score":0.27025969710666686},{"text":"And, yeah, the Bendal Bendalong one doesn't sound like it's gonna come out anytime soon.","start":1635.99,"end":1640.81,"sentiment":"neutral","sentiment_score":-0.0426324716458718},{"text":"Yeah.","start":1641.495,"end":1641.995,"sentiment":"neutral","sentiment_score":-0.048861801624298096},{"text":"So yep.","start":1642.935,"end":1647.755,"sentiment":"neutral","sentiment_score":-0.23126719892024994},{"text":"Mhmm.","start":1656.9299,"end":1657.09,"sentiment":"neutral","sentiment_score":-0.0289902426302433}],"sentiment":"neutral","sentiment_score":0.036377928150748765,"num_words":27,"start":1633.35,"end":1657.09},{"sentences":[{"text":"So would you pick can I ask sorry?","start":1657.09,"end":1660.71,"sentiment":"neutral","sentiment_score":-0.02357232809299603},{"text":"Would you is that number of shares, the number that you like to have for the value of my super fund, or would you just move some of those funds into some of the other shares?","start":1661.25,"end":1675.105,"sentiment":"neutral","sentiment_score":0.0032074018381536007},{"text":"Like, what is the theory behind how many, I guess, are held at any given time?","start":1675.105,"end":1679.28,"sentiment":"neutral","sentiment_score":0.004868843010626733},{"text":"Mhmm.","start":1686.56,"end":1687.06,"sentiment":"neutral","sentiment_score":0.05077674239873886},{"text":"Yep.","start":1691.965,"end":1692.465,"sentiment":"neutral","sentiment_score":0.163950577378273}],"sentiment":"neutral","sentiment_score":0.003540591118977435,"num_words":62,"start":1657.09,"end":1692.465},{"sentences":[{"text":"Okay.","start":1705.26,"end":1705.76,"sentiment":"neutral","sentiment_score":0.05751318484544754},{"text":"Mhmm.","start":1730.855,"end":1731.355,"sentiment":"neutral","sentiment_score":0.16286902129650116},{"text":"Yep.","start":1753.265,"end":1753.765,"sentiment":"neutral","sentiment_score":0.2227608859539032},{"text":"Yep.","start":1849.2001,"end":1849.7001,"sentiment":"neutral","sentiment_score":0.27875256538391113},{"text":"Yep.","start":1870.15,"end":1870.65,"sentiment":"neutral","sentiment_score":0.08375591039657593}],"sentiment":"neutral","sentiment_score":0.1611303135752678,"num_words":5,"start":1705.26,"end":1870.65},{"sentences":[{"text":"Yep.","start":1905.53,"end":1906.03,"sentiment":"neutral","sentiment_score":0.2694924473762512},{"text":"Yes.","start":1953.12,"end":1953.62,"sentiment":"neutral","sentiment_score":0.0910850539803505},{"text":"Yes.","start":1960.08,"end":1960.58,"sentiment":"neutral","sentiment_score":0.28498148918151855},{"text":"Mhmm.","start":2024.055,"end":2024.555,"sentiment":"neutral","sentiment_score":0.05624305456876755},{"text":"Yes, sir.","start":2048.98,"end":2049.615,"sentiment":"neutral","sentiment_score":0.14469356834888458}],"sentiment":"neutral","sentiment_score":0.16519819696744284,"num_words":6,"start":1905.53,"end":2049.615},{"sentences":[{"text":"Yep.","start":2054.4949,"end":2054.895,"sentiment":"neutral","sentiment_score":0.01097551267594099},{"text":"No.","start":2054.895,"end":2055.395,"sentiment":"neutral","sentiment_score":-0.03861481696367264},{"text":"No.","start":2055.775,"end":2056.175,"sentiment":"neutral","sentiment_score":-0.0799698531627655},{"text":"That is alright.","start":2056.175,"end":2056.975,"sentiment":"neutral","sentiment_score":-0.06178556134303411},{"text":"I do.","start":2056.975,"end":2057.375,"sentiment":"neutral","sentiment_score":-0.07704978436231613}],"sentiment":"neutral","sentiment_score":-0.05588317627552897,"num_words":8,"start":2054.4949,"end":2057.375},{"sentences":[{"text":"I understand it.","start":2057.375,"end":2058.255,"sentiment":"neutral","sentiment_score":-0.05577652156352997},{"text":"Yeah.","start":2058.255,"end":2058.755,"sentiment":"neutral","sentiment_score":0.009837825782597063},{"text":"Let me check.","start":2058.815,"end":2059.695,"sentiment":"neutral","sentiment_score":0.009418545290827751},{"text":"Yes.","start":2059.695,"end":2060.195,"sentiment":"neutral","sentiment_score":0.09016816318035126},{"text":"Yep.","start":2093.5498,"end":2094.0498,"sentiment":"neutral","sentiment_score":0.06307722628116608}],"sentiment":"neutral","sentiment_score":0.0026676984917786387,"num_words":9,"start":2057.375,"end":2094.0498},{"sentences":[{"text":"Yeah.","start":2094.27,"end":2094.51,"sentiment":"neutral","sentiment_score":0.06664671003818512},{"text":"That's all.","start":2094.51,"end":2094.99,"sentiment":"neutral","sentiment_score":0.070856012403965},{"text":"Yep.","start":2094.99,"end":2095.49,"sentiment":"neutral","sentiment_score":0.10179372876882552},{"text":"Yes.","start":2112.545,"end":2113.025,"sentiment":"neutral","sentiment_score":-0.023416176438331604},{"text":"I probably do need to I know I left the statement of advice as well, and it's expired now, but I probably do need to look at those.","start":2113.025,"end":2121.2898,"sentiment":"neutral","sentiment_score":-0.042176318620996814}],"sentiment":"neutral","sentiment_score":-0.027096988915493996,"num_words":33,"start":2094.27,"end":2121.2898},{"sentences":[{"text":"Not so much.","start":2122.47,"end":2123.2698,"sentiment":"neutral","sentiment_score":-0.07756498952706654},{"text":"I know I've got you to do income protection, but I'm not I'm not as worried now.","start":2123.2698,"end":2129.1099,"sentiment":"neutral","sentiment_score":-0.058729328872526396},{"text":"There was something that had happened at the end of last year.","start":2129.1099,"end":2131.8499,"sentiment":"neutral","sentiment_score":-0.08210075522462527},{"text":"But, potentially, that my kid's insurance, I definitely should do that, I think.","start":2133.3499,"end":2138.9648,"sentiment":"neutral","sentiment_score":0.08858447564909092},{"text":"The yeah.","start":2141.665,"end":2142.625,"sentiment":"neutral","sentiment_score":0.04709998145699501}],"sentiment":"neutral","sentiment_score":-0.02064903139909531,"num_words":47,"start":2122.47,"end":2142.625},{"sentences":[{"text":"Just in case.","start":2142.625,"end":2143.505,"sentiment":"neutral","sentiment_score":0.03475438803434372},{"text":"I know.","start":2143.505,"end":2143.825,"sentiment":"neutral","sentiment_score":0.03197704814374447},{"text":"That's probably the one that I'd be pushing to go ahead with.","start":2143.825,"end":2149.2,"sentiment":"neutral","sentiment_score":0.07146691561987002},{"text":"Yeah.","start":2154.8,"end":2155.3,"sentiment":"neutral","sentiment_score":0.05393126606941223},{"text":"That was the one that that resets.","start":2170.155,"end":2173.135,"sentiment":"neutral","sentiment_score":-0.00967750751546451}],"sentiment":"neutral","sentiment_score":0.040480358451604845,"num_words":25,"start":2142.625,"end":2173.135},{"sentences":[{"text":"Is it the one that does a random reset?","start":2173.2751,"end":2175.375,"sentiment":"neutral","sentiment_score":-0.013157955474323697},{"text":"Is it is it what it was is it the right terminology?","start":2175.675,"end":2178.175,"sentiment":"neutral","sentiment_score":-0.011102042316148678},{"text":"Because this is like if I go through, like, cancer.","start":2180.93,"end":2184.55,"sentiment":"neutral","sentiment_score":-0.06211023489013314},{"text":"Is that right?","start":2185.25,"end":2186.15,"sentiment":"neutral","sentiment_score":-0.016604339083035786},{"text":"That's that's where this would classify.","start":2187.01,"end":2188.79,"sentiment":"neutral","sentiment_score":0.035022981464862823}],"sentiment":"neutral","sentiment_score":-0.017810589610598983,"num_words":40,"start":2173.2751,"end":2188.79},{"sentences":[{"text":"And say and then so you get access to those funds, but then, essentially, it's for, like, reset.","start":2189.25,"end":2194.755,"sentiment":"neutral","sentiment_score":0.03656045295712021},{"text":"So if you were to have a different trauma is that right?","start":2194.755,"end":2198.355,"sentiment":"neutral","sentiment_score":0.002075933308030168},{"text":"Am I saying that right?","start":2198.355,"end":2199.655,"sentiment":"neutral","sentiment_score":0.01986934393644333},{"text":"Yes.","start":2201.155,"end":2201.655,"sentiment":"neutral","sentiment_score":0.19888126850128177},{"text":"Yeah.","start":2203.875,"end":2204.355,"sentiment":"neutral","sentiment_score":0.12708204984664917}],"sentiment":"neutral","sentiment_score":0.02995430786363982,"num_words":37,"start":2189.25,"end":2204.355},{"sentences":[{"text":"K.","start":2204.355,"end":2204.595,"sentiment":"neutral","sentiment_score":0.031199011951684952},{"text":"It's like reset, I 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don't know.","start":2405.09,"end":2405.81,"sentiment":"negative","sentiment_score":-0.43590882420539856},{"text":"I feel like I am at an age where people are just falling on the left, right, and center.","start":2405.81,"end":2410.29,"sentiment":"negative","sentiment_score":-0.4259985120672929},{"text":"It's very scary.","start":2410.29,"end":2411.27,"sentiment":"negative","sentiment_score":-0.7305461764335632},{"text":"And whether it's illnesses or actual death, which, obviously, I have that.","start":2412.955,"end":2417.035,"sentiment":"neutral","sentiment_score":-0.3117642750342687},{"text":"And if it's me, my kids, you know, I know that's all set up.","start":2417.035,"end":2419.835,"sentiment":"neutral","sentiment_score":-0.305088857454913}],"sentiment":"negative","sentiment_score":-0.3844265105093227,"num_words":51,"start":2405.09,"end":2419.835},{"sentences":[{"text":"But I do I feel like every second person's been diagnosed with cancer at the moment, which is where that one 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probably do just need to relook at it.","start":2526.0051,"end":2528.245,"sentiment":"neutral","sentiment_score":-0.08592950676878293},{"text":"So if you can send them through.","start":2528.245,"end":2531.225,"sentiment":"neutral","sentiment_score":0.031613960063883235},{"text":"The only thing to point out is my income's moved to a 165,000.","start":2531.685,"end":2536.185,"sentiment":"neutral","sentiment_score":-0.04031527071044995},{"text":"Yeah.","start":2538.805,"end":2539.0452,"sentiment":"neutral","sentiment_score":0.1151251494884491}],"sentiment":"neutral","sentiment_score":-0.03147522822743462,"num_words":31,"start":2525.18,"end":2539.0452},{"sentences":[{"text":"So that obviously affects the insurance as well.","start":2539.0452,"end":2543.32,"sentiment":"neutral","sentiment_score":0.028615845600143075},{"text":"I don't know if the million dollars is overkill now.","start":2545.1401,"end":2549.24,"sentiment":"neutral","sentiment_score":-0.21739314794540404},{"text":"I mean, it depends, obviously, if I buy another property.","start":2549.78,"end":2552.4402,"sentiment":"neutral","sentiment_score":-0.18598790913820268},{"text":"Because my mortgage is very small, and I understand so the million dollars what was that on?","start":2554.735,"end":2559.695,"sentiment":"neutral","sentiment_score":-0.08285468575709007},{"text":"My lot no.","start":2559.695,"end":2560.835,"sentiment":"neutral","sentiment_score":-0.18042009075482687}],"sentiment":"neutral","sentiment_score":-0.11988903617020696,"num_words":48,"start":2539.0452,"end":2560.835},{"sentences":[{"text":"My yeah.","start":2561.055,"end":2565.055,"sentiment":"neutral","sentiment_score":-0.08124224096536636},{"text":"Okay.","start":2565.055,"end":2565.295,"sentiment":"neutral","sentiment_score":-0.0417313314974308},{"text":"I get what you mean.","start":2565.295,"end":2566.2551,"sentiment":"neutral","sentiment_score":-0.06267755553126335},{"text":"That's the 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one?","start":2570.42,"end":2571.48,"sentiment":"neutral","sentiment_score":-0.058305658400058746},{"text":"Yeah.","start":2575.22,"end":2575.7,"sentiment":"neutral","sentiment_score":-0.017433492466807365},{"text":"Yeah.","start":2575.7,"end":2575.78,"sentiment":"neutral","sentiment_score":-0.016207844018936157}],"sentiment":"neutral","sentiment_score":-0.07617383248483141,"num_words":12,"start":2568.8198,"end":2575.78},{"sentences":[{"text":"Okay.","start":2575.78,"end":2576.18,"sentiment":"neutral","sentiment_score":-0.01604773849248886},{"text":"Yeah.","start":2576.18,"end":2576.5,"sentiment":"neutral","sentiment_score":-0.03900258243083954},{"text":"So that would be my children.","start":2576.5,"end":2577.96,"sentiment":"neutral","sentiment_score":-0.11550731211900711},{"text":"Okay.","start":2589.135,"end":2589.635,"sentiment":"neutral","sentiment_score":-0.25446560978889465},{"text":"So the million dollars is taxed.","start":2596.175,"end":2598.035,"sentiment":"negative","sentiment_score":-0.3821229785680771}],"sentiment":"neutral","sentiment_score":-0.21968651165564854,"num_words":15,"start":2575.78,"end":2598.035},{"sentences":[{"text":"I just I know it's terrible.","start":2627.3599,"end":2629.6199,"sentiment":"negative","sentiment_score":-0.5403833091259003},{"text":"Right?","start":2629.68,"end":2630.0798,"sentiment":"negative","sentiment_score":-0.3376513719558716},{"text":"It's and not to get political on you, but I go it's their way of saying, you're not gonna give us tax because you're not gonna work, so we're gonna take it from you.","start":2630.0798,"end":2636.8198,"sentiment":"negative","sentiment_score":-0.4276932048446992},{"text":"Like, it's just terrific.","start":2637.5999,"end":2638.98,"sentiment":"positive","sentiment_score":0.5822072215378284},{"text":"Mhmm.","start":2649.0752,"end":2649.5752,"sentiment":"neutral","sentiment_score":0.11659298092126846}],"sentiment":"negative","sentiment_score":-0.34078474618170573,"num_words":46,"start":2627.3599,"end":2649.5752},{"sentences":[{"text":"Yep.","start":2655.99,"end":2656.49,"sentiment":"neutral","sentiment_score":0.1133585274219513},{"text":"Yes.","start":2680.7148,"end":2681.2148,"sentiment":"neutral","sentiment_score":-0.08903990685939789},{"text":"Okay.","start":2686.6199,"end":2687.1199,"sentiment":"neutral","sentiment_score":-0.028593789786100388},{"text":"I get really confused.","start":2696.945,"end":2698.405,"sentiment":"negative","sentiment_score":-0.3428174704313278},{"text":"I know I shouldn't, but I do because I have a million and one 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me.","start":2729.2852,"end":2730.5652,"sentiment":"neutral","sentiment_score":-0.2676093429327011}],"sentiment":"neutral","sentiment_score":-0.014168621023947543,"num_words":55,"start":2703.665,"end":2730.5652},{"sentences":[{"text":"Yeah.","start":2730.5652,"end":2730.725,"sentiment":"neutral","sentiment_score":-0.023905644193291664},{"text":"So my actual active mortgage would still be about, I don't know, 400 and something, but I have that surplus in there, so it tells me my balance is 2 57.","start":2730.725,"end":2741.23,"sentiment":"neutral","sentiment_score":-0.0205252192193462},{"text":"Yeah.","start":2741.45,"end":2741.95,"sentiment":"neutral","sentiment_score":0.020436756312847137},{"text":"Mhmm.","start":2761.545,"end":2761.92,"sentiment":"neutral","sentiment_score":0.05298374965786934},{"text":"Yes.","start":2768.0,"end":2768.5,"sentiment":"neutral","sentiment_score":0.03861097618937493}],"sentiment":"neutral","sentiment_score":-0.015661598795226644,"num_words":35,"start":2730.5652,"end":2768.5},{"sentences":[{"text":"Already before I even consider another insurance.","start":2788.9102,"end":2791.4102,"sentiment":"neutral","sentiment_score":-0.1653911599091121},{"text":"That's what Right?","start":2792.51,"end":2793.7102,"sentiment":"neutral","sentiment_score":0.009759708618124327},{"text":"Yeah.","start":2793.7102,"end":2794.03,"sentiment":"neutral","sentiment_score":-0.0011844765394926071},{"text":"Okay.","start":2794.03,"end":2794.53,"sentiment":"neutral","sentiment_score":-0.0003754664212465286},{"text":"Which could that's what I'm thinking.","start":2794.59,"end":2796.03,"sentiment":"neutral","sentiment_score":-0.06052024103701115}],"sentiment":"neutral","sentiment_score":-0.08295224348290099,"num_words":18,"start":2788.9102,"end":2796.03},{"sentences":[{"text":"I think it's overkill.","start":2796.03,"end":2797.1702,"sentiment":"negative","sentiment_score":-0.5667069256305695},{"text":"I mean, obviously, it's not if I become totally disabled because that's what TPD is.","start":2797.6301,"end":2803.6648,"sentiment":"negative","sentiment_score":-0.42215187549591066},{"text":"Right?","start":2803.6648,"end":2804.1648,"sentiment":"neutral","sentiment_score":-0.1646343171596527},{"text":"Am I saying that right?","start":2804.3848,"end":2805.505,"sentiment":"neutral","sentiment_score":-0.16675130724906922},{"text":"Total permanent disability?","start":2805.505,"end":2806.805,"sentiment":"neutral","sentiment_score":-0.14692436655362448}],"sentiment":"negative","sentiment_score":-0.3585096352866718,"num_words":28,"start":2796.03,"end":2806.805},{"sentences":[{"text":"Yeah.","start":2807.025,"end":2807.345,"sentiment":"neutral","sentiment_score":-0.0931372120976448},{"text":"So because life cover is only if I die.","start":2807.345,"end":2810.1648,"sentiment":"neutral","sentiment_score":-0.16544079863362843},{"text":"Oh, no.","start":2810.9448,"end":2811.505,"sentiment":"neutral","sentiment_score":-0.0691799484193325},{"text":"I do have a TPD cover.","start":2811.505,"end":2813.2048,"sentiment":"neutral","sentiment_score":0.061375188641250134},{"text":"Oh, okay.","start":2815.825,"end":2816.3848,"sentiment":"neutral","sentiment_score":0.016895195469260216}],"sentiment":"neutral","sentiment_score":-0.06592113869264722,"num_words":20,"start":2807.025,"end":2816.3848},{"sentences":[{"text":"So then I okay.","start":2816.3848,"end":2818.9001,"sentiment":"neutral","sentiment_score":-0.036410399712622166},{"text":"Now I'm totally confused.","start":2819.04,"end":2820.26,"sentiment":"negative","sentiment_score":-0.3416912816464901},{"text":"So Mhmm.","start":2820.9602,"end":2843.325,"sentiment":"neutral","sentiment_score":-0.07570932991802692},{"text":"Yep.","start":2843.385,"end":2843.885,"sentiment":"neutral","sentiment_score":0.047370702028274536},{"text":"Yes.","start":2846.09,"end":2846.59,"sentiment":"neutral","sentiment_score":0.06139830872416496}],"sentiment":"neutral","sentiment_score":-0.12958803121000528,"num_words":12,"start":2816.3848,"end":2846.59},{"sentences":[{"text":"Correct.","start":2851.29,"end":2851.77,"sentiment":"neutral","sentiment_score":0.06383980810642242},{"text":"Yep.","start":2851.77,"end":2852.27,"sentiment":"neutral","sentiment_score":0.057548582553863525},{"text":"Yeah.","start":2856.97,"end":2857.37,"sentiment":"neutral","sentiment_score":0.03390290588140488},{"text":"Yep.","start":2857.37,"end":2857.665,"sentiment":"neutral","sentiment_score":0.04082218557596207},{"text":"Mhmm.","start":2880.9001,"end":2881.4001,"sentiment":"neutral","sentiment_score":-0.07857093960046768}],"sentiment":"neutral","sentiment_score":0.023508508503437043,"num_words":5,"start":2851.29,"end":2881.4001},{"sentences":[{"text":"Mhmm.","start":2883.795,"end":2884.295,"sentiment":"neutral","sentiment_score":0.006599423475563526},{"text":"Yes.","start":2891.0024,"end":2891.5024,"sentiment":"neutral","sentiment_score":0.03837788850069046},{"text":"Yeah.","start":2901.41,"end":2901.73,"sentiment":"neutral","sentiment_score":0.020534301176667213},{"text":"It's my it's currently my sorry.","start":2901.73,"end":2905.0898,"sentiment":"neutral","sentiment_score":-0.04290499041477839},{"text":"It's currently my okay.","start":2905.0898,"end":2906.77,"sentiment":"neutral","sentiment_score":-0.027297960594296455}],"sentiment":"neutral","sentiment_score":-0.023162320900994997,"num_words":13,"start":2883.795,"end":2906.77},{"sentences":[{"text":"So he's he's the working so, yes, I have a father who, obviously, I'm divorced from, but my will states that my parents become the controllers of said super and beneficiaries.","start":2906.77,"end":2921.695,"sentiment":"neutral","sentiment_score":-0.048184657108879855},{"text":"So I don't know if that needs to be updated.","start":2921.835,"end":2923.7751,"sentiment":"neutral","sentiment_score":-0.17095075771212578},{"text":"So then in my eyes, even though their father would become their guardian under my will, the guardian of my state is my parents, not him, if that makes sense.","start":2924.475,"end":2935.83,"sentiment":"neutral","sentiment_score":-0.09132770250240961},{"text":"Yep.","start":2941.325,"end":2941.825,"sentiment":"neutral","sentiment_score":0.013661986216902733},{"text":"Mhmm.","start":2947.2449,"end":2947.7449,"sentiment":"neutral","sentiment_score":-0.11481951922178268}],"sentiment":"neutral","sentiment_score":-0.082797541857174,"num_words":73,"start":2906.77,"end":2947.7449},{"sentences":[{"text":"Yep.","start":2952.6848,"end":2953.1848,"sentiment":"neutral","sentiment_score":-0.10691078752279282},{"text":"Yes.","start":2962.44,"end":2962.94,"sentiment":"neutral","sentiment_score":-0.0946018174290657},{"text":"Yes.","start":2970.92,"end":2971.42,"sentiment":"neutral","sentiment_score":0.01978682726621628},{"text":"Yeah.","start":2986.495,"end":2986.995,"sentiment":"neutral","sentiment_score":-0.003677166998386383},{"text":"And that's probably that's probably the bit I I haven't done that next level, and I don't know how that falls, whether it's I mean, my solicitor does the will, not an accountant.","start":2996.1199,"end":3008.7751,"sentiment":"neutral","sentiment_score":-0.27663101662289014}],"sentiment":"neutral","sentiment_score":-0.2517358511686325,"num_words":37,"start":2952.6848,"end":3008.7751},{"sentences":[{"text":"But I should probably I mean, all the tax changes, I have no idea which way you go now with trust and whatnot.","start":3011.395,"end":3017.1602,"sentiment":"neutral","sentiment_score":-0.2131564652790194},{"text":"That's the step I don't have.","start":3019.1401,"end":3020.6602,"sentiment":"neutral","sentiment_score":-0.17869232843319574},{"text":"So, yes, say there's $700,000.","start":3020.6602,"end":3023.4602,"sentiment":"neutral","sentiment_score":-0.0860744446516037},{"text":"I don't physically know where that's actually going if they're still children.","start":3023.4602,"end":3026.9202,"sentiment":"neutral","sentiment_score":-0.18406430135170618},{"text":"But I don't have that step that you just talked about where it goes into a trust.","start":3029.435,"end":3033.275,"sentiment":"neutral","sentiment_score":-0.10559052360408447}],"sentiment":"neutral","sentiment_score":-0.16522119702800872,"num_words":63,"start":3011.395,"end":3033.275},{"sentences":[{"text":"I just have my parents as the executive to my will, but there's no dictation on where those funds technically go.","start":3033.275,"end":3043.38,"sentiment":"neutral","sentiment_score":-0.0666787979148683},{"text":"Yeah.","start":3049.5398,"end":3050.0398,"sentiment":"neutral","sentiment_score":0.0588848814368248},{"text":"Yep.","start":3079.78,"end":3080.28,"sentiment":"neutral","sentiment_score":0.07088032364845276},{"text":"And so can I ask you, do you guys advise on trust?","start":3080.74,"end":3085.035,"sentiment":"neutral","sentiment_score":0.01348528591915965},{"text":"Who is best to do that bit?","start":3085.1948,"end":3086.795,"sentiment":"neutral","sentiment_score":-0.05655040804828916}],"sentiment":"neutral","sentiment_score":-0.03582188039131108,"num_words":42,"start":3033.275,"end":3086.795},{"sentences":[{"text":"That's where I get a bit lost.","start":3086.795,"end":3088.075,"sentiment":"neutral","sentiment_score":-0.08768543441380773},{"text":"We have an accountant at work who does trust, but, honestly, I don't trust him.","start":3088.075,"end":3093.355,"sentiment":"neutral","sentiment_score":-0.22985824172695477},{"text":"I don't trust him at the moment because I'm part of a family trust as well, but I don't honestly understand it for my own 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fine.","start":3234.615,"end":3235.4148,"sentiment":"neutral","sentiment_score":0.17892013490200043}],"sentiment":"neutral","sentiment_score":0.15505998705824217,"num_words":6,"start":3203.375,"end":3235.4148},{"sentences":[{"text":"Yep.","start":3235.4148,"end":3235.9148,"sentiment":"neutral","sentiment_score":0.14793771505355835},{"text":"Mhmm.","start":3246.8499,"end":3247.3499,"sentiment":"neutral","sentiment_score":0.01836482249200344},{"text":"Yep.","start":3251.57,"end":3252.07,"sentiment":"neutral","sentiment_score":0.045321252197027206},{"text":"Yeah.","start":3259.265,"end":3259.505,"sentiment":"neutral","sentiment_score":0.04358099028468132},{"text":"That'll be fine.","start":3259.505,"end":3260.565,"sentiment":"positive","sentiment_score":0.44125838081041974}],"sentiment":"neutral","sentiment_score":0.2255685603512185,"num_words":7,"start":3235.4148,"end":3260.565},{"sentences":[{"text":"Is that because it's a one stop 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no?","start":3322.1648,"end":3329.0598,"sentiment":"neutral","sentiment_score":-0.048124895327621035},{"text":"You're saying have both?","start":3331.28,"end":3332.66,"sentiment":"neutral","sentiment_score":-0.045107267796993256},{"text":"Okay.","start":3333.28,"end":3333.78,"sentiment":"neutral","sentiment_score":0.00926169753074646},{"text":"Yep.","start":3336.8,"end":3337.3,"sentiment":"neutral","sentiment_score":0.06198328733444214}],"sentiment":"neutral","sentiment_score":-0.03215201872010385,"num_words":31,"start":3320.2449,"end":3337.3},{"sentences":[{"text":"Yeah.","start":3358.07,"end":3358.57,"sentiment":"neutral","sentiment_score":0.19019415974617004},{"text":"Yes.","start":3379.2349,"end":3379.7349,"sentiment":"neutral","sentiment_score":-0.15143056213855743},{"text":"Yep.","start":3381.875,"end":3382.375,"sentiment":"neutral","sentiment_score":0.0032118044327944517},{"text":"Okay.","start":3382.71,"end":3383.21,"sentiment":"neutral","sentiment_score":0.017581090331077576},{"text":"Yep.","start":3410.9202,"end":3411.4202,"sentiment":"neutral","sentiment_score":0.04430694505572319}],"sentiment":"neutral","sentiment_score":0.020772687485441567,"num_words":5,"start":3358.07,"end":3411.4202},{"sentences":[{"text":"Yeah.","start":3426.4248,"end":3426.665,"sentiment":"neutral","sentiment_score":0.08274390548467636},{"text":"That's fine.","start":3426.665,"end":3427.385,"sentiment":"neutral","sentiment_score":0.15727416425943375},{"text":"Yep.","start":3427.385,"end":3427.885,"sentiment":"neutral","sentiment_score":0.12660175561904907},{"text":"No.","start":3442.51,"end":3442.9102,"sentiment":"neutral","sentiment_score":-0.14844977855682373},{"text":"You can put it in there so I have at least a rough idea, but I probably won't go ahead with that one.","start":3442.9102,"end":3448.9102,"sentiment":"neutral","sentiment_score":-0.1282735845964888}],"sentiment":"neutral","sentiment_score":-0.09195886552333832,"num_words":28,"start":3426.4248,"end":3448.9102},{"sentences":[{"text":"Yeah.","start":3448.9102,"end":3449.295,"sentiment":"neutral","sentiment_score":-0.01041270326822996},{"text":"Yep.","start":3456.575,"end":3457.075,"sentiment":"neutral","sentiment_score":0.008900327607989311},{"text":"Yeah.","start":3460.9749,"end":3461.375,"sentiment":"neutral","sentiment_score":0.03683306276798248},{"text":"That's 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doing?","start":3573.85,"end":3575.37,"sentiment":"neutral","sentiment_score":-0.0400732671841979}],"sentiment":"neutral","sentiment_score":0.11798267197710546,"num_words":11,"start":3523.65,"end":3575.37},{"sentences":[{"text":"Making them what did you call them?","start":3575.37,"end":3576.73,"sentiment":"neutral","sentiment_score":-0.03261549824050495},{"text":"A legal person.","start":3576.73,"end":3577.87,"sentiment":"neutral","sentiment_score":-0.023074278607964516},{"text":"Is that what you called them?","start":3578.01,"end":3579.3901,"sentiment":"neutral","sentiment_score":-0.018630752184738714},{"text":"Okay.","start":3582.09,"end":3582.59,"sentiment":"neutral","sentiment_score":0.027761876583099365},{"text":"Mhmm.","start":3615.16,"end":3615.66,"sentiment":"neutral","sentiment_score":0.019912950694561005}],"sentiment":"neutral","sentiment_score":-0.02009116718545556,"num_words":18,"start":3575.37,"end":3615.66},{"sentences":[{"text":"Okay.","start":3616.84,"end":3617.34,"sentiment":"neutral","sentiment_score":0.018175221979618073},{"text":"And so that would mean we're currently state beneficiary details of my two kids that would change to the LPL.","start":3626.8352,"end":3633.28,"sentiment":"neutral","sentiment_score":0.013122931052930654},{"text":"Is that what you're saying?","start":3633.34,"end":3634.3,"sentiment":"neutral","sentiment_score":0.0007917998358607295},{"text":"It replaces 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the office five days, but a Thursday actually works better because the boys stay their dead on a Thursday night.","start":3750.16,"end":3757.1199,"sentiment":"neutral","sentiment_score":0.05327552783748378},{"text":"So means I don't have to rush the pickups.","start":3757.1199,"end":3759.94,"sentiment":"neutral","sentiment_score":0.04971469545529948},{"text":"Yeah.","start":3761.165,"end":3761.485,"sentiment":"neutral","sentiment_score":0.17252960801124573},{"text":"So I'm happy if you have a late slot, whatever your late slot would be.","start":3761.485,"end":3765.985,"sentiment":"positive","sentiment_score":0.3983295609553655},{"text":"Oh, wow.","start":3774.045,"end":3774.685,"sentiment":"neutral","sentiment_score":0.09776513278484344}],"sentiment":"neutral","sentiment_score":0.16031545374542475,"num_words":50,"start":3750.16,"end":3774.685},{"sentences":[{"text":"Okay.","start":3774.685,"end":3775.185,"sentiment":"neutral","sentiment_score":0.09761770069599152},{"text":"On the nineteenth?","start":3793.6748,"end":3794.7349,"sentiment":"neutral","sentiment_score":0.0019048977022369702},{"text":"No.","start":3799.355,"end":3799.755,"sentiment":"neutral","sentiment_score":-0.09863410890102386},{"text":"Well, for Thursday, I sorry.","start":3799.755,"end":3801.115,"sentiment":"neutral","sentiment_score":-0.05971775949001312},{"text":"What I meant was I don't have to leave the office to get the boys, whereas the other day, I actually still have to go get my kids.","start":3801.115,"end":3807.4202,"sentiment":"neutral","sentiment_score":-0.0687690107151866}],"sentiment":"neutral","sentiment_score":-0.058405863488779255,"num_words":38,"start":3774.685,"end":3807.4202},{"sentences":[{"text":"So the no.","start":3807.4202,"end":3810.7002,"sentiment":"neutral","sentiment_score":-0.009068707625071207},{"text":"That's alright.","start":3810.7002,"end":3811.26,"sentiment":"neutral","sentiment_score":0.008858299814164639},{"text":"The Wednesday I can do it from the office if we started at, like because I'm assuming it's, what, an hour again.","start":3811.26,"end":3816.62,"sentiment":"neutral","sentiment_score":0.05538200722499327},{"text":"So if we start at 03:30, that's I just closed my office door and, yeah, I can do it then.","start":3816.62,"end":3821.665,"sentiment":"neutral","sentiment_score":0.008755039656534791},{"text":"Yeah.","start":3849.445,"end":3849.845,"sentiment":"neutral","sentiment_score":0.08623581379652023}],"sentiment":"neutral","sentiment_score":0.03063023422146216,"num_words":48,"start":3807.4202,"end":3849.845},{"sentences":[{"text":"That'd be perfect.","start":3849.845,"end":3850.805,"sentiment":"positive","sentiment_score":0.6634135246276855},{"text":"Yep.","start":3850.805,"end":3851.205,"sentiment":"positive","sentiment_score":0.33868607878685},{"text":"Thank you.","start":3851.205,"end":3851.945,"sentiment":"positive","sentiment_score":0.5820353925228119},{"text":"100 and 65.","start":3879.635,"end":3880.7551,"sentiment":"neutral","sentiment_score":0.02098733466118574},{"text":"Sorry.","start":3880.7551,"end":3881.2551,"sentiment":"neutral","sentiment_score":-0.039664752781391144}],"sentiment":"positive","sentiment_score":0.35162946889176966,"num_words":10,"start":3849.845,"end":3881.2551},{"sentences":[{"text":"Sorry.","start":3883.075,"end":3883.575,"sentiment":"neutral","sentiment_score":-0.10445119440555573},{"text":"One six 5.","start":3883.875,"end":3885.075,"sentiment":"neutral","sentiment_score":-0.027608817753692467},{"text":"Yeah.","start":3885.075,"end":3885.395,"sentiment":"neutral","sentiment_score":-0.0026598889380693436},{"text":"Probably sounds yep.","start":3885.395,"end":3886.7751,"sentiment":"neutral","sentiment_score":0.0003017163835465908},{"text":"Yeah.","start":3898.69,"end":3899.19,"sentiment":"neutral","sentiment_score":-0.012334318831562996}],"sentiment":"neutral","sentiment_score":-0.022374078476180632,"num_words":9,"start":3883.075,"end":3899.19},{"sentences":[{"text":"No.","start":3901.8901,"end":3902.21,"sentiment":"neutral","sentiment_score":-0.05725051835179329},{"text":"No.","start":3902.21,"end":3902.45,"sentiment":"neutral","sentiment_score":-0.0680428147315979},{"text":"I don't think so.","start":3902.45,"end":3903.25,"sentiment":"neutral","sentiment_score":-0.07572466135025024},{"text":"Not 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funds.","start":3941.395,"end":3943.0151,"sentiment":"neutral","sentiment_score":0.05568228736519813}],"sentiment":"neutral","sentiment_score":0.025210388882883957,"num_words":35,"start":3926.68,"end":3943.0151},{"sentences":[{"text":"So but that's surplus money.","start":3943.0752,"end":3945.415,"sentiment":"neutral","sentiment_score":0.050233381986618045},{"text":"Yeah.","start":3945.475,"end":3945.875,"sentiment":"neutral","sentiment_score":0.05779431015253067},{"text":"So it's savings.","start":3945.875,"end":3946.935,"sentiment":"neutral","sentiment_score":0.07795675595601399},{"text":"Yes.","start":3959.17,"end":3959.625,"sentiment":"neutral","sentiment_score":0.03900321573019028},{"text":"It is 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yep.","start":4034.83,"end":4037.01,"sentiment":"neutral","sentiment_score":-0.11764976878960927},{"text":"I I still do I actually just had two more biopsies.","start":4039.9502,"end":4043.9702,"sentiment":"neutral","sentiment_score":-0.06129406460306861},{"text":"I'm covered in moles, so that would have been detected that one time.","start":4044.1902,"end":4048.685,"sentiment":"neutral","sentiment_score":-0.04765511275484012},{"text":"Yeah.","start":4048.685,"end":4049.0051,"sentiment":"neutral","sentiment_score":-0.015647966414690018},{"text":"I have 68 that they monitor.","start":4049.0051,"end":4050.7852,"sentiment":"neutral","sentiment_score":-0.017440236328790586}],"sentiment":"neutral","sentiment_score":-0.05197029021185111,"num_words":34,"start":4034.83,"end":4050.7852},{"sentences":[{"text":"But he did two biopsies.","start":4052.205,"end":4054.385,"sentiment":"neutral","sentiment_score":0.005146738514304161},{"text":"They were perfectly 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in.","start":4074.2202,"end":4077.2651,"sentiment":"neutral","sentiment_score":-0.024173444136977196},{"text":"So it's the earliest possible form that you can find it.","start":4077.2651,"end":4080.405,"sentiment":"neutral","sentiment_score":0.032955640418963},{"text":"So no.","start":4081.745,"end":4082.305,"sentiment":"neutral","sentiment_score":0.020570739172399044},{"text":"No other health issues.","start":4082.305,"end":4083.345,"sentiment":"neutral","sentiment_score":-0.02339243795722723},{"text":"No changes there.","start":4083.345,"end":4084.485,"sentiment":"neutral","sentiment_score":0.006621718406677245}],"sentiment":"neutral","sentiment_score":0.007111856212409643,"num_words":26,"start":4074.2202,"end":4084.485},{"sentences":[{"text":"Just last June.","start":4090.785,"end":4098.37,"sentiment":"neutral","sentiment_score":0.01213916577398777},{"text":"Yes.","start":4098.37,"end":4098.69,"sentiment":"neutral","sentiment_score":0.061817072331905365},{"text":"I'm just thinking I've got some which I can't skin check.","start":4098.69,"end":4104.895,"sentiment":"neutral","sentiment_score":-0.0842863531275229},{"text":"There we go.","start":4104.895,"end":4105.295,"sentiment":"neutral","sentiment_score":-0.032610579704244934},{"text":"The June 23 was when I went in a month 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interest.","start":4302.795,"end":4308.235,"sentiment":"neutral","sentiment_score":0.22057391504446666}],"sentiment":"neutral","sentiment_score":0.08082375209778547,"num_words":90,"start":4274.735,"end":4308.235},{"sentences":[{"text":"Is that right?","start":4308.235,"end":4309.135,"sentiment":"neutral","sentiment_score":0.1333755006392797},{"text":"At tax time?","start":4310.475,"end":4311.535,"sentiment":"neutral","sentiment_score":0.016551863712569077},{"text":"Yes.","start":4311.755,"end":4312.255,"sentiment":"neutral","sentiment_score":0.0734136551618576},{"text":"Mhmm.","start":4329.4,"end":4329.9,"sentiment":"neutral","sentiment_score":0.05678395554423332},{"text":"Yes.","start":4341.3647,"end":4341.8647,"sentiment":"neutral","sentiment_score":0.053642526268959045}],"sentiment":"neutral","sentiment_score":0.07040247000339958,"num_words":9,"start":4308.235,"end":4341.8647},{"sentences":[{"text":"Yes.","start":4361.895,"end":4362.395,"sentiment":"neutral","sentiment_score":0.1525755673646927},{"text":"Mhmm.","start":4410.75,"end":4411.25,"sentiment":"neutral","sentiment_score":0.09575659036636353},{"text":"Yes.","start":4431.495,"end":4431.75,"sentiment":"neutral","sentiment_score":0.06939961016178131},{"text":"Yep.","start":4471.23,"end":4471.575,"sentiment":"neutral","sentiment_score":-0.3275015354156494},{"text":"No.","start":4472.055,"end":4472.555,"sentiment":"negative","sentiment_score":-0.4586772918701172}],"sentiment":"neutral","sentiment_score":-0.09368941187858582,"num_words":5,"start":4361.895,"end":4472.555},{"sentences":[{"text":"Yep.","start":4479.335,"end":4479.835,"sentiment":"neutral","sentiment_score":0.043612055480480194},{"text":"Mhmm.","start":4563.655,"end":4564.155,"sentiment":"neutral","sentiment_score":-0.001882593147456646},{"text":"Yep.","start":4571.9497,"end":4572.4497,"sentiment":"neutral","sentiment_score":-0.02053052932024002},{"text":"Yep.","start":4584.185,"end":4584.685,"sentiment":"neutral","sentiment_score":0.09930124878883362},{"text":"Yeah.","start":4589.305,"end":4589.805,"sentiment":"neutral","sentiment_score":0.06945805996656418}],"sentiment":"neutral","sentiment_score":0.03799164835363626,"num_words":5,"start":4479.335,"end":4589.805},{"sentences":[{"text":"K.","start":4662.29,"end":4662.79,"sentiment":"neutral","sentiment_score":0.07650546729564667},{"text":"So it says losses, though.","start":4663.665,"end":4669.665,"sentiment":"neutral","sentiment_score":0.024380306154489516},{"text":"How do you get losses on property?","start":4669.665,"end":4671.445,"sentiment":"neutral","sentiment_score":-0.007338393479585648},{"text":"I know that sounds like a dumb question, but I'm like, yep.","start":4673.025,"end":4676.66,"sentiment":"neutral","sentiment_score":-0.11367372858027618},{"text":"Yep.","start":4685.6,"end":4685.84,"sentiment":"neutral","sentiment_score":0.042358528822660446}],"sentiment":"neutral","sentiment_score":-0.04518030655498688,"num_words":26,"start":4662.29,"end":4685.84},{"sentences":[{"text":"Okay.","start":4685.84,"end":4686.32,"sentiment":"neutral","sentiment_score":0.06535915285348892},{"text":"Yep.","start":4686.32,"end":4686.82,"sentiment":"neutral","sentiment_score":0.044044069945812225},{"text":"Yeah.","start":4702.625,"end":4702.9453,"sentiment":"neutral","sentiment_score":0.11956951022148132},{"text":"Okay.","start":4702.9453,"end":4703.4453,"sentiment":"neutral","sentiment_score":-0.06996787339448929},{"text":"Mhmm.","start":4741.95,"end":4742.45,"sentiment":"neutral","sentiment_score":-0.1898677945137024}],"sentiment":"neutral","sentiment_score":-0.006172586977481842,"num_words":5,"start":4685.84,"end":4742.45},{"sentences":[{"text":"Could've lost.","start":4747.1553,"end":4747.975,"sentiment":"neutral","sentiment_score":-0.32849274575710297},{"text":"Yeah.","start":4748.115,"end":4748.615,"sentiment":"neutral","sentiment_score":-0.0566292479634285},{"text":"Yep.","start":4766.3203,"end":4766.8203,"sentiment":"neutral","sentiment_score":-0.03979037702083587},{"text":"Fine.","start":4768.8003,"end":4769.3003,"sentiment":"neutral","sentiment_score":0.02403329126536846},{"text":"You can claim it back Yeah.","start":4769.44,"end":4771.52,"sentiment":"neutral","sentiment_score":-0.0012158723548054695}],"sentiment":"neutral","sentiment_score":-0.06696973266926678,"num_words":11,"start":4747.1553,"end":4771.52},{"sentences":[{"text":"Okay.","start":4771.52,"end":4772.0,"sentiment":"neutral","sentiment_score":0.009593412280082704},{"text":"At the end when you go to fill 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fine.","start":4918.755,"end":4919.5747,"sentiment":"neutral","sentiment_score":-0.02084500715136528},{"text":"Mhmm.","start":4968.5547,"end":4969.0547,"sentiment":"neutral","sentiment_score":0.033980995416641235}],"sentiment":"neutral","sentiment_score":0.010821934789419174,"num_words":6,"start":4847.4097,"end":4969.0547},{"sentences":[{"text":"Mhmm.","start":5010.57,"end":5011.07,"sentiment":"neutral","sentiment_score":0.1033346951007843},{"text":"Yep.","start":5028.705,"end":5029.205,"sentiment":"neutral","sentiment_score":0.041745033115148544},{"text":"Yep.","start":5061.705,"end":5062.205,"sentiment":"neutral","sentiment_score":0.22672873735427856},{"text":"Sounds good.","start":5062.505,"end":5063.28,"sentiment":"positive","sentiment_score":0.5075879096984863},{"text":"No.","start":5069.76,"end":5070.0796,"sentiment":"neutral","sentiment_score":-0.11662954092025755}],"sentiment":"neutral","sentiment_score":0.21172579067448774,"num_words":6,"start":5010.57,"end":5070.0796},{"sentences":[{"text":"No.","start":5070.0796,"end":5070.32,"sentiment":"neutral","sentiment_score":-0.11050091683864594},{"text":"That's yeah.","start":5070.32,"end":5071.52,"sentiment":"neutral","sentiment_score":-0.05843789875507355},{"text":"That all sounds good.","start":5071.52,"end":5072.7397,"sentiment":"positive","sentiment_score":0.6958584785461426},{"text":"Yep.","start":5075.1196,"end":5075.295,"sentiment":"neutral","sentiment_score":0.26963934302330017},{"text":"Yeah.","start":5082.255,"end":5082.5747,"sentiment":"neutral","sentiment_score":0.12909814715385437}],"sentiment":"neutral","sentiment_score":0.328310521112548,"num_words":9,"start":5070.0796,"end":5082.5747},{"sentences":[{"text":"If you could, that would be good.","start":5082.5747,"end":5084.195,"sentiment":"positive","sentiment_score":0.38514230081013273},{"text":"Yeah.","start":5084.335,"end":5084.835,"sentiment":"neutral","sentiment_score":0.12571169435977936},{"text":"I know it's a lot, but, yeah, I guess what we're gonna do initially with the and the insurances, and then what other things, what you've just mentioned, you can advise on, and then you can pop the fees in there too.","start":5085.775,"end":5099.04,"sentiment":"neutral","sentiment_score":0.03204825836499887},{"text":"Yeah.","start":5099.04,"end":5099.54,"sentiment":"neutral","sentiment_score":0.10197529196739195},{"text":"Yep.","start":5126.78,"end":5127.28,"sentiment":"neutral","sentiment_score":0.09046711772680284}],"sentiment":"neutral","sentiment_score":0.08384955886643954,"num_words":52,"start":5082.5747,"end":5127.28},{"sentences":[{"text":"Yep.","start":5210.6597,"end":5211.1597,"sentiment":"positive","sentiment_score":0.4754312038421631},{"text":"Three three is probably preferable because it just means I can ask questions if I need to without having to think back six months worth.","start":5224.045,"end":5231.9,"sentiment":"neutral","sentiment_score":0.05841665640473366},{"text":"Yeah.","start":5231.96,"end":5232.46,"sentiment":"neutral","sentiment_score":0.017430372536182404},{"text":"And I guess I know I said the two hun the 200 for salary sacrifice.","start":5232.76,"end":5237.58,"sentiment":"neutral","sentiment_score":-0.05094984397292137},{"text":"Sorry.","start":5237.64,"end":5237.88,"sentiment":"neutral","sentiment_score":-0.12068795412778854}],"sentiment":"neutral","sentiment_score":0.02484517145988553,"num_words":43,"start":5210.6597,"end":5237.88},{"sentences":[{"text":"I'm bouncing back.","start":5237.88,"end":5238.94,"sentiment":"neutral","sentiment_score":-0.10497476657231648},{"text":"But in the advice, if it's better that I put more in I don't know how you base that off.","start":5239.08,"end":5246.165,"sentiment":"neutral","sentiment_score":-0.029036000091582536},{"text":"I'm, yeah, I'm equally happy to increase that because that does benefit me long term, but I've just never changed it again.","start":5246.165,"end":5254.085,"sentiment":"neutral","sentiment_score":0.10504973273385655},{"text":"Yeah.","start":5254.085,"end":5254.585,"sentiment":"neutral","sentiment_score":0.05202524736523628},{"text":"Mhmm.","start":5262.24,"end":5262.74,"sentiment":"neutral","sentiment_score":0.0331706739962101}],"sentiment":"neutral","sentiment_score":0.03192863276505724,"num_words":47,"start":5237.88,"end":5262.74},{"sentences":[{"text":"Okay.","start":5273.2,"end":5273.7,"sentiment":"neutral","sentiment_score":-0.027056440711021423},{"text":"Yep.","start":5287.385,"end":5287.885,"sentiment":"neutral","sentiment_score":-0.1715535819530487},{"text":"Yep.","start":5292.3804,"end":5292.8804,"sentiment":"neutral","sentiment_score":0.28820812702178955},{"text":"Yes.","start":5311.395,"end":5311.895,"sentiment":"neutral","sentiment_score":0.07036904990673065},{"text":"Again.","start":5331.54,"end":5332.04,"sentiment":"neutral","sentiment_score":0.008214913308620453}],"sentiment":"neutral","sentiment_score":0.033636413514614105,"num_words":5,"start":5273.2,"end":5332.04},{"sentences":[{"text":"Yep.","start":5332.1797,"end":5332.6797,"sentiment":"neutral","sentiment_score":0.02544437348842621},{"text":"The other thing that I've never done, and I appreciate currently I have a lot of surplus on my mortgage.","start":5366.105,"end":5372.925,"sentiment":"neutral","sentiment_score":0.01175707634538412},{"text":"I've never done the drawback.","start":5373.7046,"end":5375.1646,"sentiment":"neutral","sentiment_score":-0.20485201478004456},{"text":"It's probably the wrong term where you can draw back the maximum that I could have paid into my super.","start":5375.7046,"end":5381.76,"sentiment":"neutral","sentiment_score":-0.29084749296307566},{"text":"Is it three or five years?","start":5381.76,"end":5383.12,"sentiment":"neutral","sentiment_score":-0.11443733175595601}],"sentiment":"neutral","sentiment_score":-0.13975476967887238,"num_words":52,"start":5332.1797,"end":5383.12},{"sentences":[{"text":"There's some sort of rule where you can do that.","start":5383.12,"end":5385.2197,"sentiment":"neutral","sentiment_score":-0.10195257365703583},{"text":"Is that right?","start":5386.1597,"end":5386.8,"sentiment":"neutral","sentiment_score":0.005210462957620621},{"text":"Where I can inject because you know the the thresholds?","start":5386.8,"end":5390.34,"sentiment":"neutral","sentiment_score":-0.05390850566327572},{"text":"I don't even know if I'm talking about the same Super funds have a threshold per year that you can put into it.","start":5390.4,"end":5396.475,"sentiment":"neutral","sentiment_score":-0.09416434687116872},{"text":"Right?","start":5396.475,"end":5396.7153,"sentiment":"neutral","sentiment_score":-0.04527965188026428}],"sentiment":"neutral","sentiment_score":-0.07987317094143401,"num_words":47,"start":5383.12,"end":5396.7153},{"sentences":[{"text":"I think it was 27,000.","start":5396.7153,"end":5398.075,"sentiment":"neutral","sentiment_score":-0.04068831838667393},{"text":"It might be 30 thousand now.","start":5398.075,"end":5399.7754,"sentiment":"neutral","sentiment_score":-0.01179135280350844},{"text":"But then there's like yeah.","start":5401.115,"end":5403.2754,"sentiment":"neutral","sentiment_score":-0.021043945476412772},{"text":"There's a is it a rule where you can go back is it five years?","start":5403.2754,"end":5407.77,"sentiment":"neutral","sentiment_score":0.024906199797987937},{"text":"Because you haven't contributed, and you can inject that in one yeah.","start":5407.93,"end":5412.33,"sentiment":"neutral","sentiment_score":0.023710836423560977}],"sentiment":"neutral","sentiment_score":0.00648171157944341,"num_words":43,"start":5396.7153,"end":5412.33},{"sentences":[{"text":"I've never used that, but, obviously, I'm mindful I have super things rather clever now with, yes, I know the tax changes aren't all bad, but I've never used that.","start":5412.33,"end":5422.4053,"sentiment":"neutral","sentiment_score":0.10372175760567189},{"text":"So I guess in one sense, I do have a lot of cash sitting on my home loan.","start":5422.4053,"end":5426.345,"sentiment":"neutral","sentiment_score":0.03009141505592399},{"text":"Yes.","start":5426.565,"end":5426.805,"sentiment":"neutral","sentiment_score":0.135987788438797},{"text":"It's drawing down in my home loan, but that's gonna be paid off regardless.","start":5426.805,"end":5431.4653,"sentiment":"neutral","sentiment_score":0.06698307820728847},{"text":"Is it better that I inject on my drawbacks, whatever they're called?","start":5431.605,"end":5435.785,"sentiment":"neutral","sentiment_score":-0.010438368345300356}],"sentiment":"neutral","sentiment_score":0.06135718216498693,"num_words":75,"start":5412.33,"end":5435.785},{"sentences":[{"text":"Yep.","start":5441.19,"end":5441.69,"sentiment":"neutral","sentiment_score":0.2628316581249237},{"text":"Yep.","start":5458.055,"end":5458.555,"sentiment":"neutral","sentiment_score":0.0033419555984437466},{"text":"Yes.","start":5462.7754,"end":5463.2754,"sentiment":"neutral","sentiment_score":0.1642623245716095},{"text":"Yes.","start":5474.98,"end":5475.48,"sentiment":"neutral","sentiment_score":0.17946645617485046},{"text":"Okay.","start":5483.925,"end":5484.425,"sentiment":"neutral","sentiment_score":0.12137702852487564}],"sentiment":"neutral","sentiment_score":0.14625588459894062,"num_words":5,"start":5441.19,"end":5484.425},{"sentences":[{"text":"Mhmm.","start":5494.63,"end":5495.13,"sentiment":"neutral","sentiment_score":0.04904734715819359},{"text":"Yep.","start":5499.67,"end":5500.17,"sentiment":"neutral","sentiment_score":0.10661570727825163},{"text":"Okay.","start":5503.67,"end":5504.17,"sentiment":"neutral","sentiment_score":0.004108571447432041},{"text":"Okay.","start":5518.5947,"end":5519.0947,"sentiment":"neutral","sentiment_score":0.28263530135154724},{"text":"Mhmm.","start":5533.37,"end":5533.53,"sentiment":"neutral","sentiment_score":0.2707855701446533}],"sentiment":"neutral","sentiment_score":0.14263849947601556,"num_words":5,"start":5494.63,"end":5533.53},{"sentences":[{"text":"Yeah.","start":5533.53,"end":5534.03,"sentiment":"neutral","sentiment_score":0.32124534249305725},{"text":"It does.","start":5534.41,"end":5534.97,"sentiment":"positive","sentiment_score":0.43991658091545105},{"text":"Yep.","start":5534.97,"end":5535.345,"sentiment":"positive","sentiment_score":0.415132999420166},{"text":"Mhmm.","start":5541.5854,"end":5542.0854,"sentiment":"neutral","sentiment_score":0.12840193510055542},{"text":"Yep.","start":5550.33,"end":5550.83,"sentiment":"neutral","sentiment_score":0.24509093165397644}],"sentiment":"neutral","sentiment_score":0.33161739508310956,"num_words":6,"start":5533.53,"end":5550.83},{"sentences":[{"text":"Yes.","start":5557.0576,"end":5557.5576,"sentiment":"neutral","sentiment_score":0.3110765218734741},{"text":"Yep.","start":5568.665,"end":5569.165,"sentiment":"positive","sentiment_score":0.5841366648674011},{"text":"Yep.","start":5607.3447,"end":5607.8447,"sentiment":"positive","sentiment_score":0.6071504950523376},{"text":"Yep.","start":5613.93,"end":5614.43,"sentiment":"neutral","sentiment_score":0.06165964528918266},{"text":"And I think I will push over because I think one eighty one is the next tax bracket.","start":5619.1304,"end":5625.5947,"sentiment":"neutral","sentiment_score":0.1589744215210279}],"sentiment":"neutral","sentiment_score":0.20116195065731352,"num_words":22,"start":5557.0576,"end":5625.5947},{"sentences":[{"text":"I could be wrong.","start":5625.655,"end":5626.635,"sentiment":"neutral","sentiment_score":-0.056127442978322506},{"text":"I potentially get $20,000 in bonuses, if not 30.","start":5632.6147,"end":5638.2397,"sentiment":"neutral","sentiment_score":0.2257948617140452},{"text":"So it means now that my base is higher, although it's great, it'll push me is it one eighty one?","start":5638.94,"end":5644.6196,"sentiment":"neutral","sentiment_score":0.21835196823813022},{"text":"Is that the next tax bracket?","start":5644.6196,"end":5645.98,"sentiment":"neutral","sentiment_score":0.007564753293991089},{"text":"I think I'm just under it.","start":5645.98,"end":5647.395,"sentiment":"neutral","sentiment_score":-0.007553167641162872}],"sentiment":"neutral","sentiment_score":0.13721673027094866,"num_words":45,"start":5625.655,"end":5647.395},{"sentences":[{"text":"Oh, sorry.","start":5651.395,"end":5651.795,"sentiment":"neutral","sentiment_score":0.028564322739839554},{"text":"One ninety.","start":5651.795,"end":5652.515,"sentiment":"neutral","sentiment_score":0.0282868891954422},{"text":"Okay.","start":5652.515,"end":5652.755,"sentiment":"neutral","sentiment_score":0.058358341455459595},{"text":"So but if I do get yeah.","start":5652.755,"end":5654.915,"sentiment":"neutral","sentiment_score":0.05552864553672927},{"text":"20,000 will put me right under it.","start":5654.915,"end":5657.095,"sentiment":"neutral","sentiment_score":0.0610428194382361}],"sentiment":"neutral","sentiment_score":0.052003211586883195,"num_words":19,"start":5651.395,"end":5657.095},{"sentences":[{"text":"But if it pushes to 30, I will fall into that high one.","start":5657.235,"end":5664.0103,"sentiment":"neutral","sentiment_score":0.03743128120326079},{"text":"Yeah.","start":5664.0103,"end":5664.45,"sentiment":"neutral","sentiment_score":0.04073388874530792},{"text":"So yeah.","start":5664.45,"end":5672.37,"sentiment":"neutral","sentiment_score":0.07961265742778778},{"text":"So I wouldn't mind doing yes.","start":5672.37,"end":5676.515,"sentiment":"neutral","sentiment_score":0.07267823504904906},{"text":"It's benefiting me one way or another.","start":5676.515,"end":5679.075,"sentiment":"neutral","sentiment_score":0.2969073142324175}],"sentiment":"neutral","sentiment_score":0.11037884376429279,"num_words":29,"start":5657.235,"end":5679.075},{"sentences":[{"text":"It doesn't yeah.","start":5679.075,"end":5680.295,"sentiment":"neutral","sentiment_score":0.24450487395127615},{"text":"Yeah.","start":5681.2354,"end":5681.7354,"sentiment":"neutral","sentiment_score":0.22774115204811096},{"text":"Yeah.","start":5690.69,"end":5691.19,"sentiment":"neutral","sentiment_score":0.30372393131256104},{"text":"Yeah.","start":5704.195,"end":5704.595,"sentiment":"neutral","sentiment_score":0.12177091091871262},{"text":"Probably I mean, you can make a note on it that we're gonna look at that.","start":5704.595,"end":5708.195,"sentiment":"neutral","sentiment_score":0.15310892835259438}],"sentiment":"neutral","sentiment_score":0.17438606680794197,"num_words":22,"start":5679.075,"end":5708.195},{"sentences":[{"text":"But if you just more so tag that one for the May discussion or whatever the quarter is that we discussed before it, then I can see I'll know where my income's at and how many bonuses and whatnot by then.","start":5708.195,"end":5720.7,"sentiment":"neutral","sentiment_score":0.15132240187831042},{"text":"Yep.","start":5720.7,"end":5721.2,"sentiment":"neutral","sentiment_score":0.1526666134595871},{"text":"Okay.","start":5726.54,"end":5727.04,"sentiment":"neutral","sentiment_score":0.2028708457946777},{"text":"Okay.","start":5761.3647,"end":5761.8647,"sentiment":"neutral","sentiment_score":0.10746664553880692},{"text":"Yeah.","start":5781.37,"end":5781.61,"sentiment":"neutral","sentiment_score":0.12984389066696167}],"sentiment":"neutral","sentiment_score":0.15104592161046135,"num_words":45,"start":5708.195,"end":5781.61},{"sentences":[{"text":"Perfect.","start":5781.61,"end":5782.11,"sentiment":"positive","sentiment_score":0.48939287662506104},{"text":"No.","start":5793.3853,"end":5793.705,"sentiment":"neutral","sentiment_score":-0.045531801879405975},{"text":"All good.","start":5793.705,"end":5794.265,"sentiment":"neutral","sentiment_score":0.14572906494140625},{"text":"Thank you.","start":5794.265,"end":5794.985,"sentiment":"neutral","sentiment_score":0.2658170461654663},{"text":"Yep.","start":5794.985,"end":5795.485,"sentiment":"neutral","sentiment_score":0.1268489956855774}],"sentiment":"neutral","sentiment_score":0.1991146132349968,"num_words":7,"start":5781.61,"end":5795.485},{"sentences":[{"text":"No.","start":5802.3403,"end":5802.8403,"sentiment":"neutral","sentiment_score":-0.10845458507537842},{"text":"I think that's it.","start":5803.06,"end":5804.1,"sentiment":"neutral","sentiment_score":-0.06632071081548929},{"text":"Yep.","start":5804.1,"end":5804.6,"sentiment":"neutral","sentiment_score":0.0003273046459071338},{"text":"No.","start":5804.66,"end":5805.16,"sentiment":"neutral","sentiment_score":-0.0695684552192688},{"text":"That's it.","start":5805.22,"end":5806.12,"sentiment":"neutral","sentiment_score":0.26768991351127625}],"sentiment":"neutral","sentiment_score":0.010266805345761694,"num_words":9,"start":5802.3403,"end":5806.12},{"sentences":[{"text":"I will yeah.","start":5806.18,"end":5807.54,"sentiment":"neutral","sentiment_score":0.17453291515509287},{"text":"I'll be mindful to read through all the advice so I'm ready for that next call.","start":5807.54,"end":5811.21,"sentiment":"neutral","sentiment_score":0.21380563592538238},{"text":"And yeah.","start":5811.21,"end":5812.125,"sentiment":"neutral","sentiment_score":0.1418292224407196},{"text":"Perfect.","start":5812.765,"end":5813.265,"sentiment":"positive","sentiment_score":0.509906530380249},{"text":"Yep.","start":5821.165,"end":5821.665,"sentiment":"neutral","sentiment_score":0.1761024445295334}],"sentiment":"neutral","sentiment_score":0.21365897130707037,"num_words":23,"start":5806.18,"end":5821.665},{"sentences":[{"text":"Perfect.","start":5830.11,"end":5830.5903,"sentiment":"positive","sentiment_score":0.8110404014587402},{"text":"Sounds good.","start":5830.5903,"end":5831.41,"sentiment":"positive","sentiment_score":0.8476240932941437},{"text":"Thank you so much.","start":5831.47,"end":5832.519,"sentiment":"positive","sentiment_score":0.8704947084188461},{"text":"You too.","start":5837.079,"end":5837.819,"sentiment":"positive","sentiment_score":0.5868528187274933},{"text":"See you later.","start":5837.879,"end":5838.619,"sentiment":"positive","sentiment_score":0.4936375518639882}],"sentiment":"positive","sentiment_score":0.7202404762307802,"num_words":12,"start":5830.11,"end":5838.619},{"sentences":[{"text":"Bye.","start":5838.999,"end":5839.499,"sentiment":"neutral","sentiment_score":0.2927270829677582}],"sentiment":"neutral","sentiment_score":0.2927270829677582,"num_words":1,"start":5838.999,"end":5839.499}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Maddie.\n\nChannel 1: Hey, Dana. I've got Bianca Malcolm on the phone.\n\nChannel 0: Beautiful. All good. How does she say?\n\nChannel 1: Yes. She seems pretty good. She just missed your call.\n\nChannel 0: Mhmm. That's all good. No problem at all. You can send us through whenever you're ready.\n\nChannel 1: Perfect. You've got her in 321.\n\nChannel 0: Hi, Vy. How are you this afternoon?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. How's your day been this far?\n\nChannel 1: I've been at a athletics carnival all day. Sorry. This time I missed your call. I was just getting\n\nChannel 0: Oh\n\nChannel 1: home.\n\nChannel 0: oh, that's okay.\n\nChannel 1: That's\n\nChannel 0: That's absolutely\n\nChannel 1: funny,\n\nChannel 0: fine.\n\nChannel 1: but it's windy.\n\nChannel 0: Not a prob Oh,\n\nChannel 1: Yeah. So I feel like I'm wing bone from being outside. Now the kids had their sort of carnival. So\n\nChannel 0: really?\n\nChannel 1: oh,\n\nChannel 0: Oh, wow. How did they go?\n\nChannel 1: Yeah.\n\nChannel 0: Did they\n\nChannel 1: Yeah. Good. The little guys are in kindy, so they sort of just do the fun stuff like race, but the old one did some races, so he had fun. Yeah.\n\nChannel 0: oh, that's that's fun. That's awesome. I love that. My son had his a few weeks ago and, yeah, he's\n\nChannel 1: Okay.\n\nChannel 0: in year four now, so he's gotta try a little bit harder and do all the bits\n\nChannel 1: Yeah.\n\nChannel 0: and pieces. And, yeah, he loves it. It's a bit of fun for them as\n\nChannel 1: Yep.\n\nChannel 0: well. So yeah. All good. Look. I did have you booked in for your annual review today.\n\nI have sent through some compliance documents to you as part of the review to your email.\n\nChannel 1: Mhmm.\n\nChannel 0: I think, first off, I know Wendy spoke with Samantha. We've obviously, you know, had some issues over the past twelve months, and I wanted to sort of address your concerns with you guys and just sort of have a chat to\n\nChannel 1: Yep.\n\nChannel 0: you about sort of, obviously, what your goals are, your concerns there. I know you're not a 100% happy with our services, and I 100% understand that. But I\n\nChannel 1: Yep.\n\nChannel 0: just wanted to sort of take some time to have a chat to you about your concerns, what you're after, what you're looking for, and sort of see what we can do moving forward to help you out\n\nChannel 1: Mhmm.\n\nChannel 0: and to make sure that you, you know, you are looked after correctly if that's okay. Yeah.\n\nChannel 1: Yes. I guess I just I think I put it with Samantha, though. But, you know, when I came\n\nChannel 0: Yeah.\n\nChannel 1: on, it was a cold call from a gentleman who called and said, you know, we're analyzing super funds and blah blah blah. And I don't\n\nChannel 0: Yeah.\n\nChannel 1: normally go for those things because, you know, to me, they're all scams.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: absolutely.\n\nChannel 1: we did get to the bottom line of and he said, you know, if it works, there's no charge, and you go to, you know, Oatsy handle you, and, you know, they'll be able to give you advice on everything. And I sort of went, you know what? I'm probably\n\nChannel 0: Yeah.\n\nChannel 1: at a point in my life where that's not a bad thing. And then I guess\n\nChannel 0: Yeah.\n\nChannel 1: it was Tariq, I think I started with. And then, you\n\nChannel 0: Yes.\n\nChannel 1: know, admittedly, I did constantly get your you know, whatever that notice is that I get that says, you know, these shares have been sold within your super fund,\n\nChannel 0: Yes.\n\nChannel 1: and these funds have been purchased.\n\nChannel 0: Yep.\n\nChannel 1: So there was a lot of that in the early days. Like, I'm talking probably every\n\nChannel 0: Yes.\n\nChannel 1: fortnight, if not every three weeks. And so I'm like, okay.\n\nChannel 0: Yep.\n\nChannel 1: They're obviously actively managing my super fund to get\n\nChannel 0: Yep.\n\nChannel 1: to, you know, the higher returns and whatever. So happy days. It sat there. Then, obviously, we hit the first roadblock December 24, I wanna call it, where my insurances\n\nChannel 0: Yep.\n\nChannel 1: weren't really moved, and then Tarik had moved on. So I\n\nChannel 0: Yep.\n\nChannel 1: think that's when you joined or took over\n\nChannel 0: Yes.\n\nChannel 1: my account.\n\nChannel 0: So far, there you go. Yeah.\n\nChannel 1: And, yeah, the trade sorta kept happening. And then I don't I feel like the last twelve months, it's just few and far between. I don't know if that's a strategy\n\nChannel 0: Right.\n\nChannel 1: thing. Like, I think I've had\n\nChannel 0: Right.\n\nChannel 1: and I could be wrong, but maybe three emails in the last six months about, you know, your adviser has traded. So I went, oh, I don't know what's happening in terms of\n\nChannel 0: Yes.\n\nChannel 1: that's what the fee, I guess, is\n\nChannel 0: Yeah.\n\nChannel 1: justified because you go, well, they're actively moving your funds. Because then I go, otherwise, is it just a super fund now? I mean, obviously, they're both super funds, but, you know, there's a difference between an actively managed one and just sort of a passive one.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And then I know we did all the insurances at the start of the year, and that was really because I was just concerned, you know, if my kids got sick and whatnot. And and\n\nChannel 0: Yeah.\n\nChannel 1: and that was really great. But, yeah, I sort of got to a point now where I'm like, okay. Do I buy an investment property? Do I not? And then, obviously, I follow, you know, different advisers on social media, which I know, you know, they're\n\nChannel 0: Yeah.\n\nChannel 1: are they all qualified? Don't know. But some of them are like, well, in\n\nChannel 0: That's\n\nChannel 1: our\n\nChannel 0: okay.\n\nChannel 1: fee, we include advice on absolutely everything. We can forecast, you know, best practice based on current interest rates for, you know, five, ten years, which way to go. And I'm like, is that what I see is meant to be able to do for me? Because then I feel like, should I be paying two fees, or is it part of it?\n\nChannel 0: Yeah.\n\nChannel 1: Because yeah. And so I think that's where I just said to Samantha, I'm concerned. I\n\nChannel 0: It's\n\nChannel 1: don't know if that's the right word to say because\n\nChannel 0: yeah.\n\nChannel 1: my super fund's\n\nChannel 0: Yeah.\n\nChannel 1: gonna naturally grow because, obviously, my employer puts into it. I do the additional on top of it. So it's always gonna go up. So, therefore, I understand your fees, what whatever it works out to be, one point something. So, naturally,\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: as my base increases, your fee also increases. But then, I guess, to me, I'm like,\n\nChannel 0: Yep.\n\nChannel 1: what's the return on investment for that fee if all it is is three trades every six months? It doesn't seem like a great deal for me is what I'm trying to, yeah,\n\nChannel 0: Yep.\n\nChannel 1: understand.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So that's where\n\nChannel 0: No. Absolutely.\n\nChannel 1: my honest, you know, understanding is,\n\nChannel 0: Yeah.\n\nChannel 1: and I don't I don't know.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's that's that's perfectly fine. And I'm really, really glad\n\nChannel 1: Yep.\n\nChannel 0: that you brought those things up with me because in all honesty, I get it and I understand. And, look, in the last twelve months, I absolutely agree, Ophi, you have let the ball down. There's been a lot of things that happened last year that are outside of, obviously, my control, but there has been a\n\nChannel 1: Yes.\n\nChannel 0: lot of decisions made by senior management that, hey, I didn't agree with that I know have affected clients. And this\n\nChannel 1: Yep.\n\nChannel 0: last six months between January to now is essentially where I've been trying to clean things up a little bit and try to get my book under control.\n\nChannel 1: Mhmm.\n\nChannel 0: I end up we used to when Tarik was on board, I actually worked with Tarik. He and I went through our p y together back in the day. He\n\nChannel 1: Yes.\n\nChannel 0: was great. Love him, but he is very much more salesy than myself.\n\nChannel 1: Okay.\n\nChannel 0: So with with Tarek and I, we essentially used to share the whole book of clients. So all the clients on under OPU are essentially under the OPU license, and we used to just call every single one of them and go through the annual reviews and do what we needed. So there was no sort of specific adviser in that scenario. When\n\nChannel 1: Mhmm.\n\nChannel 0: Tarek moved on elsewhere and I need to step up and take on a few more extra clients to help out, we've since then got a few additional advisers on, which is great. The book is looked after. But after last year and what happened, I actually asked for a set book of clients. So I have a set book of clients that get to talk to me on a regular basis.\n\nChannel 1: Mhmm.\n\nChannel 0: I've been going to try and do reviews, looking at doing foundation advice documents, updating insurances, updating portfolios to everybody, and then making sure we do the regular catch ups because that was something that was promised back in the day, which over the last couple of years hasn't really sort of happened. The catch\n\nChannel 1: Yes.\n\nChannel 0: ups have kind of been few and far between. So I've been trying to make sure we do those regular catch ups there. So that's one of the things that I've sort of implemented this year to try and help alleviate a lot of the problems in the past. The second sort of part is with the super fund. I know back in the day, everyone sort of talked about active management, and there's a couple of different ways in which a super fund is actively managed.\n\nOne of those is buying and selling on a regular basis.\n\nChannel 1: Mhmm.\n\nChannel 0: With the way your trades work, when your super fund when your money goes into the super fund, it goes into the cash account. Every once generally, around about the twentieth of every month, Hub twenty four do a regular they fund a transaction report, and that tells them how much cash you have. That basically tells them how much they need to invest in those funds that we've put you in, basically. So your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: when you came on board originally, we would have recommended, I think, about eight different investment options there. With what happens with your super fund is whenever money goes into the account, it's just in the cash account. Once a month, they run the trades and the report, and those trade reports that you've been seeing are essentially just automated reports from Hub twenty four. So we're not physically going in and making those trades. We've told\n\nChannel 1: Okay.\n\nChannel 0: them what we want you invested in and in what asset allocations that might be 10% of the S and P 500, you know, 10% bang along. It could be a no 10% in cybersecurity. They essentially\n\nChannel 1: Yep.\n\nChannel 0: activate those trades in the back end of Hub 24 as per our allocation. We\n\nChannel 1: Mhmm.\n\nChannel 0: don't buy and sell individually and alter those investors on a regular basis because then we run the risk of day trading\n\nChannel 1: Yep.\n\nChannel 0: with your super. I know there are advisers out there that do do that, but day traders run the risk of not not staying invested through the longer term,\n\nChannel 1: Mhmm.\n\nChannel 0: having trouble buying and selling at the top and the bottom of the market, which disadvantages you. So our job with your investment portfolio is to be monitoring it, looking at it every couple of months, giving you an update on what's happening with it, looking at whether the performance is over or underperforming for the year, and then updating your portfolio as we need to as well because certain investments, say, back in 2021 or 2024 might have been performing really, really well, but then now they might not be performing as well. Then we update the advice\n\nChannel 1: Yes.\n\nChannel 0: and make alterations to your portfolio moving forward. And so that's certainly tracking towards the goal and making smaller changes on a regular basis and monitoring that long term to get those changes to where you to where you wanna be, essentially, to make your super work as hard as possible and making changes as we need to in the in the shorter term. But I am really sort of conscious that we don't day trade with your super. We don't go in there and make changes and actively buy and sell and try to pick the top and the bottom of the market. And I think because, as you said, you were brought on by those salespeople back in the day, and those are the marketers.\n\nAnd they're actually mostly out of business now because they were, and I'm sure they promised you absolutely everything. And it's definitely I can safely say from last year, we have definitely not lived up to that expectation. But your super is performing really, really nicely. The ongoing service fee within that is 1.65% per annum. So then that is deducted in full monthly increments.\n\nAnd the idea about percentage based fee that way is that it fluctuates with the market. So, you know, whilst you might probably expect to just pay, you know, 2 or $3,000 for the year, it's deducted in smaller increments, and it goes up and down with the market. So one of the biggest things that I try to instill is that we can't control market, and we we don't ever try to sell out of the down market. We wanna stay invested in the down market. We want your contribution to go into that down market because those\n\nChannel 1: Yes.\n\nChannel 0: investments at the down point are essentially cheaper options. They're a discounted rate, and you where contributions go in, they buy into that discounted rate. And then as the market comes back out and recovers, you take advantage of that, and that helps with your overall growth and the compounding effect of your super. So that's essentially how the super works, and that's sort of how those trades happen. I'm not sure why they've been less this last twelve months than they had in the past, though.\n\nI will look into that because they do run those trades every month. Around about the twentieth of every month, Hub twenty four run their whole cash account. They, you know, reinvest and buy\n\nChannel 1: Yep.\n\nChannel 0: and sell in the background as per our direction. So that those trade reports should realistically be coming through every month for you. So I will have a look into that if that's okay.\n\nChannel 1: Yeah. I can tell you my last because I saved these. I'm I'm a bit OCD. So I had one on the\n\nChannel 0: That's\n\nChannel 1: twenty sixth\n\nChannel 0: okay.\n\nChannel 1: of May, so that came through\n\nChannel 0: Yep.\n\nChannel 1: as your trade summary. The one previous\n\nChannel 0: Yep.\n\nChannel 1: to that, Dana, and maybe they just weren't coming through, was the\n\nChannel 0: Yeah.\n\nChannel 1: January 6 January 6 and then thirty first of\n\nChannel 0: That\n\nChannel 1: December.\n\nChannel 0: doesn't make\n\nChannel 1: That's\n\nChannel 0: sense.\n\nChannel 1: what I mean. It just seems odd\n\nChannel 0: Yeah.\n\nChannel 1: and then one December. So I had two in December, weirdly, and one late November,\n\nChannel 0: Yeah.\n\nChannel 1: then an October one. They just don't seem to be consistent\n\nChannel 0: Okay.\n\nChannel 1: for the last\n\nChannel 0: No.\n\nChannel 1: like I said, it's almost\n\nChannel 0: No.\n\nChannel 1: six months between those last two. I wouldn't have delete\n\nChannel 0: Yeah.\n\nChannel 1: like, I mean, maybe I deleted it,\n\nChannel 0: Yeah.\n\nChannel 1: but I doubt it. I tend to save this stuff.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: noticed\n\nChannel 0: that's\n\nChannel 1: it\n\nChannel 0: honestly\n\nChannel 1: wasn't\n\nChannel 0: fine.\n\nChannel 1: so once a month\n\nChannel 0: Yeah.\n\nChannel 1: sounds about right when I first and if I go back, I do. I've got August 29, September 26, and I've got an October one, and then\n\nChannel 0: Yeah.\n\nChannel 1: October again, November, December. But\n\nChannel 0: Yeah.\n\nChannel 1: from\n\nChannel 0: Yep.\n\nChannel 1: this year, no. It's like it\n\nChannel 0: Yeah.\n\nChannel 1: stopped after January.\n\nChannel 0: That's really bizarre.\n\nChannel 1: So May\n\nChannel 0: I will definitely\n\nChannel 1: is\n\nChannel 0: have a look\n\nChannel 1: my\n\nChannel 0: into\n\nChannel 1: next\n\nChannel 0: that\n\nChannel 1: one.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: yeah. No. That's okay. I'll\n\nChannel 1: Yeah.\n\nChannel 0: definitely look into it for you. I'll make a note there that you do want those trade reports to come through so you can see what is happening and being bought and sold and, you know, managed in the back end.\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: Yeah. Beautiful. Beautiful. Excellent. Lovely.\n\nSo, yeah, look, that is essentially super. And as I've said, I'm not going to, you know, sugarcoat any way, shape, or form. We've let you down over the last twelve months, and I a 100% get that. I do wanna try and make sure we do better. At the same time, I know Samantha told me that you were a bit unsure of that and self a bit stuck.\n\nIf at any point you decide that you are unhappy with our services, you do find an adviser you would prefer to work with someone else, that is absolutely okay. I don't want you to leave, but at the same time, I'm honest. And if you find someone else that you would prefer to work with, they can take over your super. Your insurance can be transferred as well or paid out of any\n\nChannel 1: Mhmm.\n\nChannel 0: super fund. That's the benefit\n\nChannel 1: Yep.\n\nChannel 0: of having the retail cover. We can have it paid out of any super fund. We just have to change the super fund that it is paid out of. If you do find you have a better relationship with other advisers or another firm and you just, you know,\n\nChannel 1: Yes.\n\nChannel 0: wanna go with them, that's understandable. I get that. You let me know. We will help you roll on out. We'll help you change the adviser.\n\nYou can have change of servicing platforms attached to any super and any insurance policy as well. So that all can be changed. That's absolutely fine. I would personally love to see you stay on for another year and do everything I can to help you working forward\n\nChannel 1: Okay.\n\nChannel 0: towards your goals and doing better on behalf of AC Financial, but\n\nChannel 1: Yes.\n\nChannel 0: at the same time, it's it's gotta be your decision. You've gotta be comfortable with where your money is and where your your super is. This is your retirement. You'll probably note I'm very much less salesy than anyone else you've probably spoken to in OQ, and that's that's because I I do not believe in the salesy tactic side of things. As a financial adviser, I work on the best interest, Judy, and I have to work in your best interest.\n\nSo the advice I do provide is about making sure we're working towards your goals. I'm so was so sorry that that advice took so long to do last year. It was not preferred in any way, shape, or form, and I was very disappointed in us for that task. And I was, you know, making sure that that was done in January for you so you didn't have to wait any longer, and\n\nChannel 1: Yeah.\n\nChannel 0: then, you know, trying\n\nChannel 1: That's\n\nChannel 0: to clean\n\nChannel 1: correct.\n\nChannel 0: things\n\nChannel 1: Yeah.\n\nChannel 0: up from now. But it was by no means preferable, and I don't have any excuses for what happened. I don't want to, you know, sit here and justify any of that. It was bad business. It was bad on our behalf, and I just wanna apologize that it's not good\n\nChannel 1: Yeah.\n\nChannel 0: at all.\n\nChannel 1: Thank you. And I do appreciate like, I mean, we\n\nChannel 0: Yeah.\n\nChannel 1: all you know,\n\nChannel 0: Yeah.\n\nChannel 1: I run a few different businesses. We don't always get it right. I get that.\n\nChannel 0: No.\n\nChannel 1: But I did. I just kinda\n\nChannel 0: Yeah.\n\nChannel 1: went. Am I locked in? Am I stuck? And Samantha was very honest the other\n\nChannel 0: No.\n\nChannel 1: day. She just said exactly what you said. She said you're not. You can actually keep your\n\nChannel 0: Yeah.\n\nChannel 1: insurance.\n\nChannel 0: No.\n\nChannel 1: We can just move it. The super fund but\n\nChannel 0: Yep.\n\nChannel 1: am I there's only bit I don't understand. So Hub twenty four, is that a fund I can only have if I'm under a financial adviser?\n\nChannel 0: No. So you can have it without being a without having a financial adviser.\n\nChannel 1: Okay.\n\nChannel 0: We can remove\n\nChannel 1: Yep.\n\nChannel 0: ourselves off it. The only sort of main difference is in order to transact on the fund, we do we can do that. So when and if we provide advice and, like, I've had a look at everything. I think there's advice we could definitely provide now for you to update things if you want to go through that.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, within HubSpotty four, we go into the platform. We have a a transacting in platform on this end of things. It's a little bit different\n\nChannel 1: Yep.\n\nChannel 0: to how you see it on the other side. But we can buy and sell. We can do market trading, aggregating trading. We can, you know, change things in the back end, update the investments. We can do all of that, and it then it goes through the hub twenty four's administration team, and their investment team within the admin team, they go into the actual market and do all the buying and selling the back end.\n\nIf\n\nChannel 1: Okay.\n\nChannel 0: you were to remove the adviser from the platform, you can keep it exactly as it is. The difference is in order to transact on that or buy and sell or alter your investments, you would have to call them and get them to place\n\nChannel 1: Okay.\n\nChannel 0: those trades for you.\n\nChannel 1: Yes.\n\nChannel 0: But you don't it's not an adviser only platform. It is a platform\n\nChannel 1: Yep.\n\nChannel 0: that you can retain if you decide that you're comfortable with doing that. And, yeah, as as I said, we can always you know, if another adviser comes in, they can add an authority onto it, and then there can be a a change of adviser form signed to all that as well. But it's not it's one of the few that is not an adviser only platform, and you can hold that or remove your adviser and still utilize the platform fine. It's just\n\nChannel 1: Yep.\n\nChannel 0: the transaction side that you would have to call the admin team at Hub twenty four and get them to do and place trades for you. They get verbal approval to organize all of that, but it can definitely be done. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. K. Alright. So do you just wanna go through the documents that you sent? Is that what\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. Definitely. So with the documents there, the main one is your ongoing service agreement for the next twelve months there.\n\nChannel 1: Mhmm.\n\nChannel 0: Don't\n\nChannel 1: Yeah.\n\nChannel 0: sign it right now. Obviously, take some time to think about what you wanna do. Come if you have any additional questions, come back and ask me additional questions. That's absolutely fine. I don't wanna sort of press you into making any decisions that you're not comfortable with.\n\nLove you to take some time to think about what you wanna do moving forward.\n\nChannel 1: Yep.\n\nChannel 0: With the the attachment. Now on the very front page, at the bottom, if you scroll down, I left a little\n\nChannel 1: Yep.\n\nChannel 0: message there. And underneath that, you should see all the attachments. Can you see\n\nChannel 1: I\n\nChannel 0: those?\n\nChannel 1: do. Yep. Yeah. I do. I've opened\n\nChannel 0: Fantastic.\n\nChannel 1: a few. Yep.\n\nChannel 0: Excellent. The first one there is or should be the summary of the brand new agent and or insurances, and it's giving you an updated balance as of the July 23.\n\nChannel 1: And what I've just done\n\nChannel 0: Can you see that one there? Sorry.\n\nChannel 1: yeah. Sorry. I'm just I've got a 100 different\n\nChannel 0: That's okay.\n\nChannel 1: screens open.\n\nChannel 0: You're right.\n\nChannel 1: The\n\nChannel 0: I\n\nChannel 1: super\n\nChannel 0: get it.\n\nChannel 1: and insurance summary. Yes. I've\n\nChannel 0: Yep.\n\nChannel 1: got it open. Yep.\n\nChannel 0: Perfect. So just double checking with your balance last year, we were at a 140,902 and 28¢. Balance\n\nChannel 1: Mhmm.\n\nChannel 0: this year, we're up to a 183,790 and 14¢. So it has been good. We have definitely seen an increase on that. Part of it is your contributions and your salary sacrifice going in, but the other part that is with the that's the growth. Now\n\nChannel 1: Is\n\nChannel 0: with\n\nChannel 1: that\n\nChannel 0: the\n\nChannel 1: somewhere\n\nChannel 0: performance\n\nChannel 1: on\n\nChannel 0: of in. Yes.\n\nChannel 1: sorry. Is there a summary\n\nChannel 0: Yes.\n\nChannel 1: of that? Okay. Yep.\n\nChannel 0: The\n\nChannel 1: I did\n\nChannel 0: the\n\nChannel 1: wanna\n\nChannel 0: growth.\n\nChannel 1: know what the\n\nChannel 0: Yes.\n\nChannel 1: yeah. What I actually\n\nChannel 0: Growth what?\n\nChannel 1: contributed versus the difference. Yeah.\n\nChannel 0: Yeah. You're right. So if you have a look at the hub twenty four performance with internal rate of return report, this is showing you\n\nChannel 1: Yep.\n\nChannel 0: the growth. So the second page, if you look at the third last column, you've got total earnings, and it shows there that the income and the growth in the last twelve months is $13,005.91 and 70\n\nChannel 1: Mhmm.\n\nChannel 0: 3¢. You can see that? Yep. Beautiful.\n\nChannel 1: Yep. Yep. Yep. Sorry.\n\nChannel 0: All good.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I can't.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: no. That's okay. You're fine. All good. That's essentially the earnings received by the portfolio.\n\nThat's the income and the growth within the last twelve months there. It does give you a internal rate of return of 11 sorry. 6.11% to 6.11% there. That is net of any administration fees, investment fees, and our our ongoing service fee there as well. Now with\n\nChannel 1: Mhmm.\n\nChannel 0: your portfolio, having a look at the first page there, all of your investors are performing very, very nicely. However, if you look at the Benelon Australian Equities one, that one there I flagged as underperforming. And the reason I can sort of tell it's underperforming is that whilst we have seen the ups and downs in the market this year, as a whole, the Australian share market is actually not doing too bad. Equities are up at the moment, but this one investment is down and down quite a lot. It's showing it's down by over 23.26%.\n\nI went back to have a look at Bennelong and see what was happening within the fund. They've had some underlying issues with one of their investments, so it's kind of made that fund underperform pretty heavily. I actually wanna remove that from your portfolio. I don't want that there anymore. I do have to update the advice to make that change for you, but I would\n\nChannel 1: Mhmm.\n\nChannel 0: like to have that removed out of your portfolio. One of the big things with why Benelon was in there is the investment manager is an actively it's an actively managed fund. So inside the Benelon Australian Equities investment, they are trying to buy and sell. They are trying to pick the top and the bottom of the market. They are trying to buy undervalued stocks.\n\nThey generally hold anywhere between 15 to 25 different investment options, but this year, they have not performed very well. They had, up until COVID, a very good rate of return. They were performing phenomenally. I think their rate of return was about 30% in about three to five years, which is fantastic for them. But most recently, they haven't been able to keep ahead as it has, and they're not outperforming against the market.\n\nAs much as you could hold that investment and wait for it to come back and recover, I don't think they're gonna recover in a hurry. One of their\n\nChannel 1: Yep.\n\nChannel 0: underlying investments, Corporate Traveler, actually came out to the market and had been a bit dishonest, which meant that Bennelong had to reevaluate that investment. That investment is now on a trading halt, and it's being audited and investigated for what it for the what they essentially did. So it means that because of the trading call, Van Along can't remove corporate travelers from their investment profile,\n\nChannel 1: Yep.\n\nChannel 0: but we can get you out of Van Along. So I would like to move that nice and quickly and get that out of your portfolio. It does\n\nChannel 1: Mhmm.\n\nChannel 0: unfortunately mean that we would be cementing the drop or the loss that that investment has seen, but it also is probably better to get rid of it now rather than let it go down even further and, you know, have to cement a much greater loss. Essentially, when we sort of look at this, it's about deciding whether we hold an investment for longer and wait for it to come out the other side, or do we cut the losses now, remove it from the portfolio knowing we can put you into something that's probably performing better and make that money back a little bit quicker for you? Does that make sense?\n\nChannel 1: Yeah. Yeah. It does. Yep.\n\nChannel 0: Yeah. Yeah. So my decision is I would love to get you out of that. I don't wanna force you into it. If you wanna sort of hold on a bit longer and sort of see how it is in a few months, you absolutely can.\n\nBut I would love to update the advice now and get that out of your portfolio and just maybe look at updating your portfolio as well because, you know, investments that have had a great track record in past may not be as good now. Also, the Bandit property is a little bit down. That is due to your property having a bit of a fallback in the market with the changes that have just been legislated. Property is\n\nChannel 1: Mhmm.\n\nChannel 0: having a little bit of a fallback at the moment, and we are seeing a bit of decline in that. So it might also be worth getting removing the property investment from there and looking to diversify in other ways. China is still a good investment, has performed not bad, but China still has quite some high tensions out there at the moment with a lot of the allied countries. I would sort of rather be looking to get rid of China as well because it's meant to be more of a growth investment. It's what it's called a themed investment or a themed thematic\n\nChannel 1: Mhmm.\n\nChannel 0: ETF, and it's put into your portfolio to try and get greater growth. This hasn't been able to do that, and a 3% return for an investment that's supposed to be seeing a much higher rate of return isn't really preferable, and it sort of shows that China's having a bit of issues at the moment as well. So I would probably like to remove those three investments out of your portfolio and look to\n\nChannel 1: Yep.\n\nChannel 0: maybe move the money into something performing a little bit better for you and just update your portfolio as a whole. Does that sound okay, and do you have any questions?\n\nChannel 1: No. No. That sounds good.\n\nChannel 0: That's okay? Beautiful.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: The bank hybrids you have in here as well, they are a defensive investment. They are really great to have income producing. I do wanna look at moving them as well just because the government's phasing those out in a couple of years. So one of the big things with bank hybrids is they're more of a complex investment. So it's a bit like bonds.\n\nYou're putting money into the banks. They're utilizing that money to lend out,\n\nChannel 1: Yes.\n\nChannel 0: and they're giving you income payments or coupon payments back. Bank hybrids are exactly the same as bonds in that sort of aspect, but they're also traded on the ASX. So they get a bit of growth as well as income producing. They are seen as defensive because they're expecting a lower rate of return, and they are seen as safer or lower risk than ETFs and other investments or growth investments. However, the government has made a decision in recent months that they're gonna phase these out by 2028.\n\nSo, realistically, if I'm gonna be making some changes to your portfolio now, removing some of the investors, we are best to maybe remove that as well rather than hold on to the bank hybrid. And then in 2028, we have to move them quickly and find something else a bit faster for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Do you have any questions? You're welcome to let me know if you do.\n\nChannel 1: No. No. That's fine. These aren't\n\nChannel 0: Yes.\n\nChannel 1: shares that I'm overly I mean, some of them I'm familiar with, but none of those that you just spoke about. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'm happy for them to change. And,\n\nChannel 0: Yep.\n\nChannel 1: yeah, the Bendal Bendalong one doesn't sound like it's gonna come out anytime soon.\n\nChannel 0: Yep. No.\n\nChannel 1: Yeah.\n\nChannel 0: No. Definitely not.\n\nChannel 1: So\n\nChannel 0: I've started moving most of most of the clients out of that one, so there has been\n\nChannel 1: yep.\n\nChannel 0: some pretty significant sell off, and that will probably just continue. So I definitely would like to move you out of that and look at something a bit better. There are\n\nChannel 1: Mhmm. So\n\nChannel 0: different\n\nChannel 1: would you\n\nChannel 0: ways\n\nChannel 1: pick can\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: ask\n\nChannel 0: yeah. Sure.\n\nChannel 1: sorry? Would you\n\nChannel 0: You're right.\n\nChannel 1: is that number of shares, the number that you\n\nChannel 0: Mhmm.\n\nChannel 1: like to have for the value of my super fund, or would you just move some of those funds into some of the other shares? Like, what is the theory behind how many, I guess, are held at any given time?\n\nChannel 0: Yeah. That's a really good question. I like it. So, essentially, what we're looking for is ways to diversify your portfolio. So,\n\nChannel 1: Mhmm.\n\nChannel 0: realistically, having, you know, this many investments in there is preferable. By\n\nChannel 1: Yep.\n\nChannel 0: looking to move Benelong, the BankHybrid, the China, and probably the Banak property as well, I would not just move them and move the money into the other investments. I would look at ways to replace those. So to give you a bit of an\n\nChannel 1: Okay.\n\nChannel 0: example, by moving Van Along, which currently has about 15 to 25 different investment options within that fund, I would be looking to try and build greater diversification for you. So you've also got the keywords, which is more Australian equities. So it's the beta shares Raffi 200. It's the it's got the ticket code QoS, QOZed.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So that's also giving you access to 200 of the companies on the ASX. What we have been looking to do is to provide greater diversification. So removing some of the old investments and maybe putting you into, say, the a 200, which gives you exposure to the top 200 companies on this day in stock market, but attracts\n\nChannel 1: Yep.\n\nChannel 0: the top 200 companies. By doing that, similar to the S and P 500, those sorts of index funds, while they are lower risk, you can still have your high growth portfolio, still have that high risk exposure, but within that, trying to lower, you know, risk and provide greater diversification and also making sure we're tracking as many different investors as as diversification and also making sure we're tracking as many different investments as as possible. So with sort of some of the newer portfolios that we're sort of putting people into, we're looking to make sure we have as much diversification as possible. We're looking at anywhere from six to eight different investment options, sometimes nine, depending on what we're moving into. We're looking at exposure globally for the whole world.\n\nSome of the portfolios that we've been using actually incorporate an all world index. That way, we're not just picking, you know, China or The US or Australia or India. We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future. We also keep The US exposure in there as well, and we also keep some separate Australian exposure in there as well. So it's about just making sure that you've got a good diversification.\n\nBack in the day, back when I first started in this industry, advisers used to advise and put, you know, individual companies in it. So you might see CBA, Westpac, you know, BHP, but those portfolios had to have 50 or 60 different individual companies to give them diversification. We\n\nChannel 1: Yep.\n\nChannel 0: can essentially create that same diversification by having anywhere from five to 10 different investment options in a portfolio. When we are looking at those, we factor in cost. One of the big ones to factor in is CDP because just like you, your super fund does a tax return every year. So whenever\n\nChannel 1: Yep.\n\nChannel 0: there is buying and selling of investments or investment switching going on, your super fund has to account for capital gains. So when we research what we're gonna move out of the portfolio, what we're gonna replace that with, we look at what the capital gains consequences would be for your super fund. We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money. I've been trying to build portfolios at a much lower costing to save on investment fees. And then you've got administration fees as well, which is the platform fees for Hub 24\n\nChannel 1: Yep.\n\nChannel 0: and their administration of that platform. So it's about making sure you've got a good diversified range of investments, making sure you've got asset allocations in Australia, The US. Japan's been really good lately, and also parts of Asia as well. But then also making sure there's some global exposure in there. Physical gold has been at a thirty year high over the past few months.\n\nWe have definitely been keeping physical gold in there. I know in February, it took a massive dive of 18%, and most raised in the last week or so, it has had a little bit of a dip there as well. But physical gold is still a good investment to have. It is a growth investment, but it's also defensive in nature. So when you kind of think back to, like, the DSP or even COVID, when equities\n\nChannel 1: Yes.\n\nChannel 0: are seeing it very much a down point, people take money out of their portfolio and pop it in the gold and the safe haven. So\n\nChannel 1: Yes.\n\nChannel 0: it works both ways. It is a growth asset, but it does work defensively as well. So we do like to have physical gold in there. And then cybersecurity has taken a bit of a hit this year. Your portfolio has stayed up over 15%, which is fantastic.\n\nBut with what's happening between The US and Iran, cybersecurity has had a little bit of a sell off, so it's down a bit at the moment. But I do see that as still an important place to see investments. Because moving forward, we're all online. We do a lot of things online, and, you know, making sure we protect all of that is a really big place. And governments are just being throwing money in those areas over the last couple of years and will continue to do so, especially with all the the hacking scandals we've had, all the issues we've had with tech companies and things like that.\n\nSo protecting our privacy is very much one of the larger issues. So I do see hack and cybersecurity as a good place to remain invested. So, realistically, just off the top of my head, I would be looking to replace about four of those investments,\n\nChannel 1: Mhmm.\n\nChannel 0: maybe five of them, and, you know, sort of readjust the portfolio. I can see a way we can make it a bit cheaper, make sure it has been performing really well, increase your diversification across the portfolio to help lower the overall risk of the portfolio, but also keep within that high growth environment so you are still, you know, obtaining good returns moving forward. Does that make sense?\n\nChannel 1: Yes, sir.\n\nChannel 0: Yep. Perfect. Do you have any questions about any of that? Please let\n\nChannel 1: Yep.\n\nChannel 0: me know if\n\nChannel 1: No.\n\nChannel 0: you do.\n\nChannel 1: No. That is alright. I\n\nChannel 0: No.\n\nChannel 1: do. I understand it. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Let me check.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Excellent. Excellent. So there are definitely some things to do here. I would love to, you know, go back and reassess the the portfolio for you. Essentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances.\n\nWe'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be. Does that sound okay?\n\nChannel 1: Yep. Yeah. That's all. Yep.\n\nChannel 0: Yep. Fantastic. Excellent. Excellent. Sorry.\n\nAlways stop me. I get a little bit excited talking about super insurances. I'm a little bit insane. So feel free to just stop me and ask questions or go, hang on, Dana. I don't understand.\n\nI just you break that down a bit\n\nChannel 1: Yes. I\n\nChannel 0: more\n\nChannel 1: probably do need to I know I left\n\nChannel 0: for\n\nChannel 1: the statement of advice as well, and it's\n\nChannel 0: me.\n\nChannel 1: expired now, but\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: It's\n\nChannel 1: probably\n\nChannel 0: okay.\n\nChannel 1: do need to look at those. Not so much. I know I've got you to do income protection, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm not I'm not as worried now. There was something that had happened at the end of last year.\n\nChannel 0: Yeah.\n\nChannel 1: But, potentially, that my kid's insurance, I definitely should do that, I think.\n\nChannel 0: The child trauma policies?\n\nChannel 1: The\n\nChannel 0: Yep.\n\nChannel 1: yeah. Just in case. I know. That's probably the one that I'd be pushing to go ahead with.\n\nChannel 0: Yes. Yep. Absolutely. How did you sort of feel about the trauma policy we\n\nChannel 1: Yeah.\n\nChannel 0: recommended for yourself as well? There was also that trauma policy for a hundred and twenty thousand of trauma, and we'd also link that to a bit of life cover held outside of the state for for the difference in benefits and to make it cheaper as well. Do you remember that\n\nChannel 1: That\n\nChannel 0: recommendation?\n\nChannel 1: was the one that that resets. Is it the one that does a random reset? Is it is it what it was is it the right terminology? Because\n\nChannel 0: You're\n\nChannel 1: this\n\nChannel 0: right.\n\nChannel 1: is\n\nChannel 0: Random\n\nChannel 1: like if\n\nChannel 0: race.\n\nChannel 1: I go through, like, cancer. Is that right?\n\nChannel 0: Mhmm.\n\nChannel 1: That's\n\nChannel 0: Yes.\n\nChannel 1: that's where this would classify. And say and then\n\nChannel 0: Yes.\n\nChannel 1: so you get access to those funds, but then, essentially,\n\nChannel 0: Yes.\n\nChannel 1: it's for, like, reset. So if you were to have a different trauma is\n\nChannel 0: Yes.\n\nChannel 1: that right? Am I saying that right?\n\nChannel 0: Yes. Yeah. Absolutely. It's\n\nChannel 1: Yes.\n\nChannel 0: trauma reinstatement. You you are on the ball.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: K. It's like\n\nChannel 0: So\n\nChannel 1: reset,\n\nChannel 0: with\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: think.\n\nChannel 0: trauma yeah. So with the trauma policy, essentially, if you were diagnosed with cancer, it would pay out the lump sum benefit of the 120,000 recommended, and then it normally takes a couple of months. They normally give you twelve months. At that twelve\n\nChannel 1: Mhmm.\n\nChannel 0: month period, so long as you've got the trauma reinstatement option, they reinstate that trauma policy. They normally don't cover you for the same thing. So say if you had, you know, lung cancer and you claimed on that and then the lung cancer kinda came back or increased, they wouldn't repay for the same thing. But then if you got\n\nChannel 1: Yes.\n\nChannel 0: breast cancer or, say, brain cancer or you had a stroke afterwards, then once that reinstatement is in place, you can then claim on that 120,000 again. They normally limit\n\nChannel 1: Mhmm.\n\nChannel 0: that to two reinstatement, but we can always look at making it more if you wanted to try and make that more. That is an optional extra that does cost more. So the more reinstatements we apply to those they allow, the more that part of the policy or the more that option does cost. But it is a good thing to have. I personally don't think having trauma is worth it if you don't have the reinstatement just because claiming for one thing is all well and good, but then, you know, that then it's all gone.\n\nYou kind of wanna be\n\nChannel 1: Yep.\n\nChannel 0: able to utilize it to the best of your advantage, as sad as that sounds when it comes to insurances. But, you know, trying to take the most get the most out of your cover is really important because the biggest risk we have with insurances is that we pay all this money for premiums, and then we get to 60 or 65, and they're canceled or they expire, and we've never claimed on them. And that's probably\n\nChannel 1: Yes.\n\nChannel 0: the best and worst case scenario. It's the biggest risk because we've paid out all this money for insurance that we've never claimed on. The best case scenario because it means we haven't lost something. We do do a lot of advice for clients to go through claims and do get really great payouts to, you know, to look at what to do. However, to claim on insurance, it means you've lost something.\n\nFor life insurance, you know, someone's passed away or terminally ill for trauma,\n\nChannel 1: Yes.\n\nChannel 0: there's been a cancer diagnosed through a stroke or something. The income protection, someone's unable to go to work, and income protection is good to kinda cover you for that. But a lot of people who are on long term income protection claims, like, two years plus, they end up they can end up being a lot of mental health effects that come from that because they're not able to get back to work, and they're just sort of sitting around hoping it's gonna be okay and going through rehabilitation or going through treatment and going to the doctors all the time. And that sort of thing really plays badly on their mental health. So it's kind of one of those insurances is kind of one of those tax 22.\n\nYou kind of wanna have it to make sure that in the event something happens, we can claim them. We've got that to fall back on, but at the same time, if we do claim, it's because we've lost something. Something's happened to us or we've\n\nChannel 1: Yes.\n\nChannel 0: you know? On the upside, we get a lot of money for doing so. So it's kind of one of those\n\nChannel 1: Yes.\n\nChannel 0: tax 22 that's a good and bad scenario. So, yeah, but did you want me to look at the trauma aspect again for yourself, or is it more just the child trauma that's important to you at the moment? What kind of what\n\nChannel 1: I\n\nChannel 0: did you\n\nChannel 1: don't\n\nChannel 0: want\n\nChannel 1: know.\n\nChannel 0: me to\n\nChannel 1: I\n\nChannel 0: look\n\nChannel 1: feel\n\nChannel 0: at?\n\nChannel 1: like I am at an age where people are just falling on the left, right, and center. It's very scary.\n\nChannel 0: Mhmm.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: whether it's illnesses or actual death, which, obviously, I\n\nChannel 0: Yep.\n\nChannel 1: have that. And if it's me, my kids, you know, I know that's all set up. But\n\nChannel 0: Yeah.\n\nChannel 1: I do I feel like every second person's been diagnosed with cancer at the moment, which is where that one would fall.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, so I should probably definitely look at\n\nChannel 0: Yeah.\n\nChannel 1: my trauma as well as the children.\n\nChannel 0: Yep.\n\nChannel 1: And then, yeah, probably park the what we had income protection added on that one. And\n\nChannel 0: Yep.\n\nChannel 1: was that it that\n\nChannel 0: Yeah.\n\nChannel 1: I added to\n\nChannel 0: Yeah.\n\nChannel 1: it? I can't actually remember. Yeah.\n\nChannel 0: You're right. We had some life cover added to it. So the first policy was increasing your life TPD to a million dollars and then\n\nChannel 1: Mhmm.\n\nChannel 0: adding income protection to cover 70% of your income based on a weight of a 145,000 per annum, and that was all paid out of the super fund. Then the second\n\nChannel 1: Okay.\n\nChannel 0: policy was to cover you for a 120,000 of trauma, and we linked the same amount of life cover to that because life cover paid outside of super also provides the funeral benefit With ClearView,\n\nChannel 1: Yep.\n\nChannel 0: if with having that life cover outside of super, if you were to pass away, your beneficiaries can claim up to 25,000 as a one off lump sum whilst they're going through the claim process for that life cover, and it's called an immediate expense or a funeral benefit. They pay that money down so that the funeral can be paid for so the other expenditure can be looked after in the short term whilst they're going through that life insurance claim.\n\nChannel 1: Mhmm.\n\nChannel 0: And we had linked that to the trauma policy with the same sum insured of 120,000. And then the third policy was the child trauma policy, so 100,000 for each of your kids in the event they're diagnosed with a major traumatic condition.\n\nChannel 1: Yep. I probably do just need to relook\n\nChannel 0: Yeah.\n\nChannel 1: at it. So if you can send them through.\n\nChannel 0: Yeah.\n\nChannel 1: The only thing to point out is my income's moved to a 165,000.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah. So that obviously affects the insurance as well.\n\nChannel 0: Yeah. Yep. Is\n\nChannel 1: I\n\nChannel 0: so\n\nChannel 1: don't\n\nChannel 0: you\n\nChannel 1: know\n\nChannel 0: would want\n\nChannel 1: if\n\nChannel 0: do\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: million dollars is\n\nChannel 0: yeah.\n\nChannel 1: overkill now. I mean, it depends, obviously, if I buy another property. Because my mortgage is very small, and I understand\n\nChannel 0: Yeah.\n\nChannel 1: so the million dollars what was that on? My lot no. My\n\nChannel 0: The life and tape a day. Yeah.\n\nChannel 1: yeah. Okay. I get what you mean. That's the total.\n\nChannel 0: Yeah. Well, we\n\nChannel 1: No.\n\nChannel 0: can\n\nChannel 1: Hang on.\n\nChannel 0: talk\n\nChannel 1: Is\n\nChannel 0: it\n\nChannel 1: that\n\nChannel 0: through.\n\nChannel 1: if I'm\n\nChannel 0: So\n\nChannel 1: dead?\n\nChannel 0: with\n\nChannel 1: What's that one?\n\nChannel 0: yeah. So life cover is if you pass away. Correct.\n\nChannel 1: Yeah. Yeah. Okay. Yeah.\n\nChannel 0: TPD\n\nChannel 1: So that would\n\nChannel 0: is\n\nChannel 1: be\n\nChannel 0: a little\n\nChannel 1: my children.\n\nChannel 0: bit more. Yeah, TBD is more if you're diagnosed with a major like a major disability and you're unable to ever go back to work again. The thing\n\nChannel 1: Okay.\n\nChannel 0: with TBD is that it's taxed, and I don't agree with this in any way, shape, or form. I think it's disgusting. But\n\nChannel 1: So the\n\nChannel 0: with\n\nChannel 1: million\n\nChannel 0: TBD,\n\nChannel 1: dollars is\n\nChannel 0: if\n\nChannel 1: taxed.\n\nChannel 0: you're it is. If you're under the age of 60 and you claim TBD and it is successful, we can also release your super, the same as your life benefit, but it means that that is taxed, and the tax is up to 22%, which is disgusting. I think that's horrible. The last thing they should be doing, if you can't get back to work due to a a disability like that and you're never going back to work, then the last thing the government should be doing is taxing that. But, yes, it is unfortunately\n\nChannel 1: I just\n\nChannel 0: taxed.\n\nChannel 1: I know\n\nChannel 0: It\n\nChannel 1: it's terrible. Right? It's and not to get\n\nChannel 0: yes.\n\nChannel 1: political on you, but I go it's their way of saying,\n\nChannel 0: That's\n\nChannel 1: you're not\n\nChannel 0: okay.\n\nChannel 1: gonna give us tax because you're not gonna work, so we're gonna take it from you. Like,\n\nChannel 0: Correct.\n\nChannel 1: it's just terrific.\n\nChannel 0: Yeah. The good thing is, as advisers, there are things that we can do. So if you were to claim CBD, we would provide advice on how to use the funds. We can\n\nChannel 1: Mhmm.\n\nChannel 0: move the money from super fund to super fund to get little tax uplift and to, you know, increase the tax free benefit.\n\nChannel 1: Yep.\n\nChannel 0: We can also keep the money invested and draw out smaller increments or smaller lump sum, And there is this crazy math equation they do to work out the tax, so it could also be less than the 22%. We just have to go on the highest marginal tax rate for that side of things. But, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying. It's horrible. I don't like that in any way,\n\nChannel 1: Yes.\n\nChannel 0: table form. Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: But your you said your mortgage is quite small at the moment. How much is your mortgage? Because I had $3.75 last time.\n\nChannel 1: I get really confused. I know I shouldn't, but I do because\n\nChannel 0: Okay.\n\nChannel 1: I have\n\nChannel 0: No.\n\nChannel 1: a million\n\nChannel 0: You're\n\nChannel 1: and\n\nChannel 0: fine.\n\nChannel 1: one offset. I have 10 offset accounts. So if I look on my actual mortgage,\n\nChannel 0: Mhmm.\n\nChannel 1: it says my balance is 257,000. Call it 250\n\nChannel 0: Yep.\n\nChannel 1: 8,000, and\n\nChannel 0: Yep.\n\nChannel 1: I have an availability of 210,000. So I actually\n\nChannel 0: Okay.\n\nChannel 1: believe\n\nChannel 0: Perfect.\n\nChannel 1: when you put those numbers together, that's what my technical mortgage is, if I'm reading that right.\n\nChannel 0: Yes.\n\nChannel 1: This always confuses me.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So my actual active mortgage would still be about, I don't know, 400 and something, but I have that surplus in there, so it tells me my balance is 2\n\nChannel 0: Yes.\n\nChannel 1: 57. Yeah.\n\nChannel 0: Yep. Yep. That's correct. Perfect. Perfect.\n\nExcellent. Lovely. So, realistically, with having that extra money sitting in there, your mortgage is quite low. If you look at the MetLife insurance policy, the specific other currency you have there at the moment, with your wife\n\nChannel 1: Mhmm.\n\nChannel 0: and TPD, you're currently at the sum insured of 863,000. So\n\nChannel 1: Yes.\n\nChannel 0: with your super balance, to give you an idea, $8.63 $2.05 8. If you were to pass away today, your super balance of $1.83 $7.90 and 14¢ plus your MetLife life insurance, you actually technically have about a million and 47,000.\n\nChannel 1: Already before I even consider another insurance. That's\n\nChannel 0: Correct.\n\nChannel 1: what Right?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay. Which could that's what\n\nChannel 0: Yep.\n\nChannel 1: I'm thinking.\n\nChannel 0: Yep.\n\nChannel 1: I think it's overkill. I mean, obviously, it's not if I become totally disabled because that's what TPD is. Right? Am I saying that right? Total\n\nChannel 0: Correct.\n\nChannel 1: permanent disability?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So because life cover is only if I die.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, no.\n\nChannel 0: Correct.\n\nChannel 1: I do have a TPD cover.\n\nChannel 0: You do. Yes. Yep.\n\nChannel 1: Oh, okay. So then I okay. Now I'm totally confused. So\n\nChannel 0: No. That's okay. If if we look at it to make it a bit easier for you, if we look at the the the life cover and your super balance, you've got over 1,000,047 there. If we then subtract off your mortgage, which you could yeah. You would be paid out, that leaves about $789,048.14.\n\nChannel 1: Mhmm.\n\nChannel 0: That\n\nChannel 1: Yep.\n\nChannel 0: could go to your beneficiaries. Now have you\n\nChannel 1: Yes.\n\nChannel 0: look at that. We originally noted that you wanted that to be your children. Is that right?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Yes. And they're both of school age. They're quite young.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yes. In the so I'm not sure how your circumstances work, but in the advice document last year, one of the things I had in there was the beneficiary side of it. So when children receive money as a as a beneficiary, if they're under the age of 18 or financial dependent, they actually don't receive the money up front. So if you would have passed away today and the mortgage\n\nChannel 1: Mhmm.\n\nChannel 0: was paid out, that 789,000\n\nChannel 1: Mhmm.\n\nChannel 0: was then available, they don't split that $50.50 and give it to your minor children. It actually gets given to or\n\nChannel 1: Yes.\n\nChannel 0: passed through the guardian, so whoever is the guardian of the children in the event that you passed. So it could be, you know, their biological father or a sister or brother or someone else.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: It's my\n\nChannel 0: then\n\nChannel 1: it's\n\nChannel 0: is up\n\nChannel 1: currently\n\nChannel 0: to them.\n\nChannel 1: my sorry. It's currently my\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: You're right.\n\nChannel 1: So he's he's\n\nChannel 0: Yeah.\n\nChannel 1: the working so, yes, I have a father who, obviously, I'm divorced from, but my will\n\nChannel 0: Yeah.\n\nChannel 1: states that my parents become the controllers of said super and beneficiaries. So I don't know if that needs to\n\nChannel 0: Mhmm.\n\nChannel 1: be updated.\n\nChannel 0: Okay.\n\nChannel 1: So then in\n\nChannel 0: Yep.\n\nChannel 1: my eyes, even though their father would become their guardian under my will, the guardian of my state is my parents, not him, if that makes sense.\n\nChannel 0: Yep. Yes. Yep. And that's absolutely fine. So with mine,\n\nChannel 1: Yep.\n\nChannel 0: I I'm in a very similar situation. So I had two children to my first husband, and he\n\nChannel 1: Mhmm.\n\nChannel 0: couldn't keep a dollar if it was, I don't know, for anything. He was shuffled with money. When\n\nChannel 1: Yep.\n\nChannel 0: we divorced and he didn't want anything to do with us, I made it so because in the event of me passing, my two elder children would still have to go back to him. So I stopped\n\nChannel 1: Yes.\n\nChannel 0: him from getting access to money through my will by making that my sister and my current husband's sister as joint executives and joint\n\nChannel 1: Yes.\n\nChannel 0: trustees of a trust. So all money goes into a trust. He has to ask them for money, and they have to sign off to make sure it goes to the children. My third child is with my current husband, and he will still have that child. So it was kind of\n\nChannel 1: Yeah.\n\nChannel 0: that making sure that my children could stay as close together as possible whilst understanding the rules, but making sure my ex husband got no money whatsoever, making sure\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: that's\n\nChannel 0: anything\n\nChannel 1: probably\n\nChannel 0: I had would be looked after. Yeah.\n\nChannel 1: that's\n\nChannel 0: Sorry.\n\nChannel 1: probably the bit I I haven't done that next level, and I don't know how that falls, whether it's I mean, my solicitor does the will, not an accountant. But I should probably I mean, all the tax changes, I have no idea which way you go now with trust and whatnot.\n\nChannel 0: Yeah.\n\nChannel 1: That's the step I don't have. So, yes, say there's $700,000. I don't physically know where that's actually going if they're still children.\n\nChannel 0: Yeah.\n\nChannel 1: But I don't have that step that you just talked about where it goes into a trust. I just have my parents as the executive to my will, but there's no dictation on where those funds technically go.\n\nChannel 0: Yes. And that's probably the step that's really important to make sure that's\n\nChannel 1: Yeah.\n\nChannel 0: updated in your will is what happens when that money gets into the estate, how is it then distributed? Does it go into a trust and be held in a trust to be distributed to your kids at a certain time, at a certain age? Is it distributed to, you know, your sister or your parents to, you know, look after your children? That kind of direction is really important because that governs exactly how that money is to be distributed to your children and at what age and at what portion, essentially.\n\nChannel 1: Yep. And so can\n\nChannel 0: Yeah.\n\nChannel 1: I ask you, do you guys advise on trust? Who is best to do that bit? That's where I get a bit\n\nChannel 0: Sure.\n\nChannel 1: lost. We\n\nChannel 0: Honest\n\nChannel 1: have an accountant at work\n\nChannel 0: that's\n\nChannel 1: who\n\nChannel 0: okay.\n\nChannel 1: does\n\nChannel 0: Yeah.\n\nChannel 1: trust, but, honestly, I don't trust him. I don't trust him at the moment\n\nChannel 0: The\n\nChannel 1: because\n\nChannel 0: best thing\n\nChannel 1: I'm\n\nChannel 0: to\n\nChannel 1: part\n\nChannel 0: do\n\nChannel 1: of a family\n\nChannel 0: for\n\nChannel 1: trust as\n\nChannel 0: yeah.\n\nChannel 1: well, but\n\nChannel 0: Yep.\n\nChannel 1: I don't honestly understand it for my own children. Yeah.\n\nChannel 0: No. That's okay. So the best thing to do when it comes to the state planning side of things is we always recommend beneficiaries, and then we recommend how to, you know, to speak to a solicitor and how to know what to do there. But as a solicitor, a lawyer is the best person to talk to about your will and a testamentary trust, which is a deceased trust. Accountants do living trust for self managed super funds and family trust and things like that, and that's great.\n\nBut when it comes to the deceased estate side of things and the estate planning, I would always speak to a solicitor because they understand the estate law. They understand the legislation around that, and they can help you to structure your beneficiary nominations in the best way to incorporate what you need to do. It does cost more to have it done that way, but I've\n\nChannel 1: Yep.\n\nChannel 0: always felt as the most it's the most valuable yeah. I think it cost me $2,500 to have my will drawn up correctly, and it\n\nChannel 1: Yes.\n\nChannel 0: was honestly the best $2 I've ever spent. I walked away knowing that my kids were looked after, that everything was done, and that if anyone came out to contest my will, a judge would look at them and go, you're insane. That's not gonna happen. This this is going to kids. So\n\nChannel 1: Yes.\n\nChannel 0: that was kind of why I found that really, really beneficial. So we always recommend on your beneficiary nominations, but then when it comes to estate planning, we recommend you set up a will and power attorney and guardianship, but we recommend you speak to a solicitor to do that. That way, you're getting it done correctly. Yeah.\n\nChannel 1: Mhmm. Yeah. K.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Easy. And with the with the advice document if you want, what I'll do is I'll download this advice document that I sent in January. It has expired now, so I can always update the new one for you.\n\nChannel 1: Mhmm.\n\nChannel 0: But I I can resend this to you so you can have a look at what we had recommended, the reasoning behind it, and that way you can ask any additional questions you have. And it's still\n\nChannel 1: Yep.\n\nChannel 0: good it's still good to go through and have a read and look at what was recommended last time for you. Is that okay?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yes. Beautiful. Excellent. So with the new advice piece now, did you want me to I'll do the super and look at switching the investments for you.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll look at you want me to do the child trauma again for you as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And we had a 100,000 for each child. Do you feel like that's still okay and appropriate?\n\nChannel 1: Yeah. That'll be fine.\n\nChannel 0: Yep. Absolutely. And did you want me to still look at the trauma policy for yourself? The 120 of trauma and life outside is super?\n\nChannel 1: Is that because it's a one stop thing? So I'm thinking life outside of Subaru is probably overkill given I have the other life\n\nChannel 0: Yes.\n\nChannel 1: insurance.\n\nChannel 0: That's absolutely fine. I think one of the biggest\n\nChannel 1: Yes.\n\nChannel 0: differences and the reason we sort of link it to, a, you get that funeral benefit, which you don't get paid out of when you hold life cover inside super, you don't get those extra benefits of having the upfront cost paid out. The\n\nChannel 1: Mhmm.\n\nChannel 0: the other side of that was it made the policy cheaper. The trauma health by itself as a standalone policy, whilst it doesn't normally cost very much, having a little bit of life linked to that trauma policy does give you that out of pocket cover, the funeral cover, but it also makes the trauma policy cheaper as well. I can look\n\nChannel 1: So,\n\nChannel 0: at both options and see\n\nChannel 1: yeah,\n\nChannel 0: which.\n\nChannel 1: that's fine.\n\nChannel 0: You're\n\nChannel 1: You\n\nChannel 0: right.\n\nChannel 1: can, yeah,\n\nChannel 0: Sorry.\n\nChannel 1: put it\n\nChannel 0: Yeah.\n\nChannel 1: in there. But then if I was to put that life, do I remove the\n\nChannel 0: Yep.\n\nChannel 1: super life one or no?\n\nChannel 0: No. I would probably\n\nChannel 1: You're\n\nChannel 0: keep\n\nChannel 1: saying\n\nChannel 0: it\n\nChannel 1: have\n\nChannel 0: as\n\nChannel 1: both?\n\nChannel 0: is. It's just an x.\n\nChannel 1: Okay.\n\nChannel 0: Yeah, it's just an extra little bit of life. I mean, you've already got\n\nChannel 1: Yep.\n\nChannel 0: a million and 47 there. It just means in the event of passing, there's an extra 120,000 that's paid out to your estate, which could cover, you know, additional loans if you have a car loan to pay out, more credit cards to pay out, or if your home loan increases a little bit there as well, there's an extra sort of buffer to pay out.\n\nChannel 1: Yeah.\n\nChannel 0: You don't have to. I can just do trauma by itself if you would like to. I normally link them because it does make it cheaper. Anything that we're paying out of pocket, if we can, you know, limit the cost as much as possible, that's always a good thing. And these insurances, they're steps premiums.\n\nSo they do get more and more expensive as you get older because the risk of\n\nChannel 1: Yes.\n\nChannel 0: you making a claim increases.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. Yeah. If you like, I could make the the recommendation. These are just recommendations. I can show you the recommendations again as a whole advice page.\n\nAnd on the very last page of the advice document, we always put down, like, a multiline. It's just a text box. And if there's any part of the recommendation you don't wanna go ahead with, you can always just write that in there, and we just won't go ahead with that recommendation. I could\n\nChannel 1: Yep.\n\nChannel 0: look to recommend the life and trauma policy and show you the cost of that. And then in the appendices, just put the trauma policy stand alone so you can take the two options together and sort of make up your mind as to which one's better for you. Does that sound okay?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Perfect. Trauma. Beautiful. And with the income protection, you sort of said that you weren't too worried about the income protection side of things at the moment.\n\nDid you wanna kinda revisit that, or are you happy without it? Or\n\nChannel 1: No. You can put it in there so I have at least a rough idea,\n\nChannel 0: yep.\n\nChannel 1: but I probably\n\nChannel 0: Yep.\n\nChannel 1: won't go ahead with that one. Yeah.\n\nChannel 0: Yep. That's okay. What I'll do is I'll do the income protection. You don't wanna increase the life\n\nChannel 1: Yep.\n\nChannel 0: and pay today to 1,000,000. You're happy with this cover amount we have at the moment, aren't you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Yep. Beautiful. I'll add the income protection into the recommendation and then just to sort of show you the difference. And then you've also you can all you can see on this to the occurrence of the cost of it currently, so you can sort of see what it increases by.\n\nChannel 1: Mhmm.\n\nChannel 0: Because the income protection is paid inside super, that's obviously effect has an effect on the projected outcome. So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy. So you can kinda see the difference between the projected outcome with both. Is that alright? Does\n\nChannel 1: Yep.\n\nChannel 0: that sound okay?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Beautiful. It kinda just gives you options to see what I'm recommending, how this meets your goal, but then in the appendices, the additional research there. So, you know, what it looks like if you don't take the income protection, you know, how that's projected forward over the next five to ten years, the trauma policy by itself. So you can kinda weigh up the cost and work out what's better for you.\n\nOkay.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Fantastic. Excellent. Other than that, with the the recommendations for the beneficiary side of things, in the last advice document, we had recommended that you set up your your beneficiaries as legal personal representative because you wanted everything to be split between your two children. I will\n\nChannel 1: Yes.\n\nChannel 0: probably keep that recommendation exactly the same because that just means if you pass away, your life benefit and your super is paid direct to your estate. That way, everything can be incorporated into your will, and that way it's all sort of directed out to your children as per your wishes. Do you have any sort\n\nChannel 1: Mhmm.\n\nChannel 0: of questions or concerns about that kind of recommendation with the beneficiaries at all? Or\n\nChannel 1: What does that involve me doing? Making them what did you call them? A legal person. Is that what you called them?\n\nChannel 0: yeah. It's a legal personal representative. So on your benefit\n\nChannel 1: Okay.\n\nChannel 0: renomination, they have a tick box called the LPR or legal personal representative, and that essentially means that in the event of you passing, your super and your life proceeds are just directed straight to your estate. They're not directed to any particular person. It just goes to your estate. It gets lumped in with all everything else, your house, your car, your savings account, and the executor of your will goes about doing a final tax return. They pay out any debts that need you to pay out, and then they distribute the funds amongst your beneficiaries.\n\nChannel 1: Mhmm.\n\nChannel 0: And having\n\nChannel 1: Okay.\n\nChannel 0: legal personal representative just means that your super annual life benefits are all incorporated into your will. It's basically directing it all through your will. Does that make\n\nChannel 1: And so that would mean we're\n\nChannel 0: sense?\n\nChannel 1: currently\n\nChannel 0: Yep.\n\nChannel 1: state beneficiary details of my two kids that would change to the LPL.\n\nChannel 0: Mhmm.\n\nChannel 1: Is that what you're saying? It replaces that.\n\nChannel 0: It would. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. We\n\nChannel 1: Yeah.\n\nChannel 0: just have\n\nChannel 1: Okay.\n\nChannel 0: that updated to replace that. Because at the moment, with it being your two children, if if you were to pass away, the because they can't they're not over 18, they can't actually make the claim. So whoever's their guardian would have come and make the claim on their behalf, but then the money gets paid to the guardian or the guardian to split up to the children. So\n\nChannel 1: Yeah.\n\nChannel 0: it does\n\nChannel 1: Okay.\n\nChannel 0: mean\n\nChannel 1: Yep.\n\nChannel 0: that there's a lot more discrepancy if the guardian didn't spend the money correctly or use it or give it to the children or invest it for them.\n\nChannel 1: Yep.\n\nChannel 0: You know, that that can happen and does happen quite a lot. You know, money families always work really well until there's money involved, and then we sort of see lots of things coming out and happening. So it's always good to protect\n\nChannel 1: Yes.\n\nChannel 0: everyone. Yeah. Easy. So I will update this advice for you. Now I do not want this to take any longer than it needs to.\n\nSo I'm gonna book you in to have this presented in about three weeks. Are you okay with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. That way, you've got a bit of a deadline. As I said, I'm trying once you go and clean all of this up, I don't want things to take as long as they did last year. So I'm making sure that everyone has a little spot in there to be booked in so that there's a deadline for our team to have everything ready.\n\nSo three weeks, that brings us to my goodness. August. One, two, three.\n\nChannel 1: Scary.\n\nChannel 0: That brings us to the August 13. Wow. What day normally suits you better?\n\nChannel 1: I don't so what day because you only do you do four days, don't you? Which day do you not work?\n\nChannel 0: I work Monday or Thursday.\n\nChannel 1: Okay.\n\nChannel 0: Technically don't work Friday, but if you only do Fridays, I will absolutely present Friday. It's not a\n\nChannel 1: No.\n\nChannel 0: problem at\n\nChannel 1: I'm\n\nChannel 0: all.\n\nChannel 1: I'm in the office five days, but a Thursday actually\n\nChannel 0: Okay.\n\nChannel 1: works better because the boys stay their dead on a Thursday night. So means I don't have to rush the pickups.\n\nChannel 0: Okay. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: So I'm\n\nChannel 0: okay.\n\nChannel 1: happy if you have a late slot, whatever your late slot would be.\n\nChannel 0: Absolutely. So Thursday is my late day. It does, unfortunately, look like I am pretty well booked out on that for the next six weeks, but I'm going\n\nChannel 1: Oh, wow.\n\nChannel 0: to do it\n\nChannel 1: Okay.\n\nChannel 0: for you on the Wednesday. So, the Wednesday, the nineteenth. It does mean it's four weeks away, but the Wednesday, the fourteenth, I can do a late as well, and I'll pop it in there. Did you want sort of four, five, or six? What time suits you better on the Wednesday for the late?\n\nChannel 1: On the nineteenth?\n\nChannel 0: Yeah. Or it's only a Thursday sort of preferred the\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: Well,\n\nChannel 0: late\n\nChannel 1: for Thursday, I sorry. What I meant was I don't have to leave the office\n\nChannel 0: yeah.\n\nChannel 1: to get the boys, whereas the other day, I actually still have to go get my kids. So the\n\nChannel 0: Okay. Sorry.\n\nChannel 1: no. That's alright. The Wednesday I can do it from the office if we started at, like because I'm assuming\n\nChannel 0: Yep.\n\nChannel 1: it's, what, an hour again. So if we start at 03:30,\n\nChannel 0: Yeah.\n\nChannel 1: that's I just closed my office door and, yeah, I can do it then.\n\nChannel 0: Yep. That's okay. Not a problem at all. I'll book it out for two hours. That way, if anything comes up and you need a little bit more time or you need to push it back, that way you've got plenty of time there.\n\nSo that'll be the nineteenth. It is four weeks away, but I've got that booked in there for you. Beautiful. Did you want me to send you the invite as well or just an email with the confirmation date and time so you can block your calendar out as\n\nChannel 1: Yeah.\n\nChannel 0: well?\n\nChannel 1: That'd be perfect. Yep. Thank you.\n\nChannel 0: Yep. Perfect. That's okay. Not a problem at all. Beautiful.\n\nExcellent. So that's all booked in. I've got a really good idea of where we're gonna go with the advice, which is fantastic. I just wanted to update a couple of additional things with regard to your back line. I know Sammy went through and updated as much as possible.\n\nI've got your income. So they're looking at a 155,000 to focus on the income protection side of things. Your\n\nChannel 1: 100 and\n\nChannel 0: salary\n\nChannel 1: 65.\n\nChannel 0: sacrifice,\n\nChannel 1: Sorry.\n\nChannel 0: your oh, so sorry\n\nChannel 1: Sorry.\n\nChannel 0: about that. My apologies.\n\nChannel 1: One\n\nChannel 0: Have\n\nChannel 1: six\n\nChannel 0: you gone?\n\nChannel 1: 5.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: You're fine.\n\nChannel 1: Probably sounds\n\nChannel 0: One\n\nChannel 1: yep.\n\nChannel 0: six five. No. That's okay. Good thing we clarified that. Salary sacrifice, we're still doing $200 on a fortnightly basis.\n\nYou're happy discontinuing that. You didn't want us to look at\n\nChannel 1: Yeah.\n\nChannel 0: increasing or altering that at all? No?\n\nChannel 1: No. No. I don't think so. Not yet. Yep.\n\nChannel 0: Nope. That's okay. Dedicated savings. Are you finding that you've got some dedicated savings every week out of your income that you are able to put away, or are you finding it's a bit harder expenditure wise?\n\nChannel 1: No. I am. Yeah. No. I'm still putting the same sort of chunks away.\n\nObviously, it's a bit more now because my salary went up. But, yes,\n\nChannel 0: Yep.\n\nChannel 1: I've put away some money for investing, and I save $6.07 about $7.50 or fortnight.\n\nChannel 0: 750 a fortnight. Beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: There\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: split\n\nChannel 0: go.\n\nChannel 1: it into\n\nChannel 0: Excellent.\n\nChannel 1: funds. So but that's\n\nChannel 0: Okay.\n\nChannel 1: surplus money. Yeah. So it's savings.\n\nChannel 0: Yep. That's perfect. And then I've got your share portfolio here. That was about 32,000 in value last time. Has that increased a little bit since then?\n\nChannel 1: Yes. It is 47,000.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: No.\n\nChannel 0: 37,000. Fantastic. I've got your vehicle, the Santa Hyundai Santa Fe, valued\n\nChannel 1: Mhmm.\n\nChannel 0: at about 35,000. What's the value? Would you put on that now, do you think?\n\nChannel 1: Probably dropped again because it's another year. So,\n\nChannel 0: Yep.\n\nChannel 1: I mean, I would I'm actually looking at swapping cards as in trading cards, but\n\nChannel 0: Yep.\n\nChannel 1: I'd honestly just keep it the same. It wouldn't have dropped a huge amount in that time.\n\nChannel 0: Yep. That's okay. Perfect. And then content evaluation at 250,000. Would you keep that the same?\n\nChannel 1: I possibly moved it up, actually. But, yes, just keep it the same for the purpose of vehicle as well. Yep.\n\nChannel 0: Yes. Yep. Perfect. I've got all the other details here. Absolutely fine.\n\nJust double checking with because I'm sort of looking at the the insurance side of things again. I just wanted to clarify that being no major changes in your health since we've last done a pre assessment with you. Just\n\nChannel 1: No.\n\nChannel 0: sort of clarifying that oh, good.\n\nChannel 1: No.\n\nChannel 0: The only\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: did\n\nChannel 0: I have noticed he\n\nChannel 1: yep.\n\nChannel 0: sorry. Right.\n\nChannel 1: I I still do I actually just had two more biopsies. I'm covered in moles, so that would have been\n\nChannel 0: Oh,\n\nChannel 1: detected\n\nChannel 0: wow.\n\nChannel 1: that one time. Yeah. I have 68 that they monitor. But\n\nChannel 0: Okay.\n\nChannel 1: he did two biopsies. They were perfectly fine. Unfortunately, it's the only way to detect properly melanoma\n\nChannel 0: Yes.\n\nChannel 1: is\n\nChannel 0: Yep.\n\nChannel 1: to take them out. They've never I had one that was in situ, which would be on the policy because I had to send the documents through three years ago. So\n\nChannel 0: Yes.\n\nChannel 1: he's now actually moved me back to yearly consults instead of six monthly because he said you've had nothing in three years. And even that one wasn't\n\nChannel 0: Okay.\n\nChannel 1: in. So it's the earliest possible form that you can find it.\n\nChannel 0: Yes.\n\nChannel 1: So no. No other health issues. No changes there.\n\nChannel 0: Perfect. Excellent. And when was your last checkup to have the moles checked?\n\nChannel 1: Just last\n\nChannel 0: June?\n\nChannel 1: June.\n\nChannel 0: This year?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: I'm just thinking I've got some which I can't skin check. There we go. The June 23 was when I went in a month ago.\n\nChannel 0: Twenty third. Beautiful. Awesome.\n\nChannel 1: Yep.\n\nChannel 0: Thank you so much for that. Lovely. I'll just make sure that we're double checking everything so that in the advice, they'll keep the same as last time. We can kind of outline what's expected when it comes to, you know, the policy and writing the insurances to see get an idea\n\nChannel 1: Mhmm.\n\nChannel 0: of what the expectation might be. Easy. Everything's looking really good. I just also wanted to do a quick risk profile questionnaire as well. So I've answered most of these questions because, realistically, you've got shares already in your own name, and\n\nChannel 1: Yep.\n\nChannel 0: with Super, you can't access that until at least 60 at the moment.\n\nChannel 1: Yep.\n\nChannel 0: In the next sort of twelve months, if we saw the markets fall by 20% due to what was happening globally, how do you think that might make you feel? Are you wanting to put more money in, take advantage of the downtime? Are you likely to hold and wait and call us, or are you a bit nervous and wanting to cement those losses? How do you think you might be\n\nChannel 1: No. I'd probably buy. I'd just leave it and\n\nChannel 0: feeling?\n\nChannel 1: buy more.\n\nChannel 0: Yep.\n\nChannel 1: I think that's\n\nChannel 0: Beautiful.\n\nChannel 1: back. Yeah.\n\nChannel 0: Excellent. The other one here and and I'm one of the things you told, Tammy, was that you were looking at maybe, you know, trying to look at other strategies like, sorry, debt recycling. Is that something you're\n\nChannel 1: Yes.\n\nChannel 0: still sort of planning to look at doing? Or\n\nChannel 1: Yeah. I'm sort of in a a freeze frame, if you call it that. So last\n\nChannel 0: Mhmm.\n\nChannel 1: December, I had I was in contact with a company that basically source and buy you and build your investment property and, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: sign up with them, do all of that, and, you know, they you know, it's just one of the it was OpenCorp that I was looking at. And because\n\nChannel 0: Yes.\n\nChannel 1: I would like to either buy investment property or debt recycle and potentially put into shares. However, given the just the change with the government, neither of\n\nChannel 0: Yes.\n\nChannel 1: them look appealing to me to make money.\n\nChannel 0: Yes.\n\nChannel 1: But I did mention to Samantha that I was interested in the concept of debt recycling and, I guess, getting some advice on it. And\n\nChannel 0: Yep.\n\nChannel 1: because I I just seem to have a lot of surplus in my principal, the property that I live in,\n\nChannel 0: Yes. Yep.\n\nChannel 1: and how I could utilize that now for long term. Yes.\n\nChannel 0: Yep. Yeah. Absolutely. So debt recycling is very much a long term strategy. I do advise on it.\n\nIt is a very complex strategy to take on. It is technically a form of gearing because you are using money that you have borrowed to invest.\n\nChannel 1: Yep.\n\nChannel 0: Have you looked at how the sort of strategy works? Do you understand much about it and how it actually works? Just to find out.\n\nChannel 1: Yeah. So if I'm not wrong well, I mean, I probably don't have the, you know, technical sides right. But, yes, I essentially\n\nChannel 0: That's okay.\n\nChannel 1: can draw down on the what I have in equity well, not full equity. Obviously, only what they would deem that I can service. But say if I pull a $100,000 from those surplus, that sort of becomes its\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: own new loan in a sense because that money\n\nChannel 0: Yes.\n\nChannel 1: is then\n\nChannel 0: Yep.\n\nChannel 1: invested into shares. So, therefore, that component of the loan, that's where you can benefit on the interest. Is that right?\n\nChannel 0: Yep. That's\n\nChannel 1: At\n\nChannel 0: right.\n\nChannel 1: tax\n\nChannel 0: Yeah.\n\nChannel 1: time?\n\nChannel 0: So with the\n\nChannel 1: Yes.\n\nChannel 0: yeah. So there's one of two ways of doing it to start with is that you can utilize and borrow more against equity. So you release some of the equity in your property. Say, they normally like between sort of 50 to a 100,000 to start because you get much better tax advantages that way,\n\nChannel 1: Mhmm.\n\nChannel 0: or you can be paying down more onto your loan. That either the equity release or if you pay more onto the loan, you need to split that off from your main loan. So you end up with a secondary investment\n\nChannel 1: Yes.\n\nChannel 0: loan. If you put, say, 50 or 60,000 onto your actual mortgage, that is redrawn off, and the loan is split. So they have to split the loan so you have a separate 50 or $60,000 loan, and that money has to be physically redrawn off your mortgage. That way, it is used for investing purposes. With equity release,\n\nChannel 1: Yes.\n\nChannel 0: they do have a separate equity loan. That money is, again, withdrawn off the loan. It has to be put onto the actual home loan then redrawn off for it to work. Then we invest that in a portfolio very similar to what you've got in your super debt into shared portfolio. That money is sitting there.\n\nWe can do it one of two ways, is we can have the income drawn out of the investment portfolio on a regular basis, and that gets paid into your main primary loan. You're actually paying back the interest and the principal if it's the loan set up that way on the investment side of things, but you're still paying back your nondeductible loan for your main primary mortgage debt. The the income and the growth is then taken or whatever you get. So say you've got a, you know, 10% return for that year, the 10%\n\nChannel 1: Mhmm.\n\nChannel 0: difference on the growth in the income from your investment loan or from your investment is deducted and put onto your main primary residence, and then the whole process starts again. You then split that loan, and then that money gets invested, and the same thing happens again. And it's essentially a cycle. It happens every 12 months.\n\nChannel 1: Yes.\n\nChannel 0: I have in the past worked that that income is just taken directly out of the investment and put straight onto the main primary residence line because then you see income being paid out regularly. It can happen every 12 months. We like it to happen every 12 months, but times with market ups and downs, it means that you can't split the second part of the loan or chain or do the next part of the cycle for one or two or three years. There is always a risk that when markets are down or not performing as well, that the rate of return you're receiving in the portfolio is less than you're paying on the actual loans itself as well, so you end up paying more in\n\nChannel 1: Yep.\n\nChannel 0: interest.\n\nChannel 1: No.\n\nChannel 0: That is a risk to it. Yeah. And it's it's definitely a long term strategy. So I know some advisers out there try to do it\n\nChannel 1: Yep.\n\nChannel 0: in three or four or five years. I personally like to be more conservative with projecting, and I know the risks and understand markets quite well. So I know that markets do have downtime. So I do like to do it over more of a ten to twenty year period. It is more it is more conservative that way.\n\nYou can pay the loan down a lot faster if markets perform better, but it's just more of a realistic understanding that markets don't always have good years. Generally, every seven to ten years, we do expect a big negative drop. And if we think back to the GFC, that was a huge drop of around 60% in the market, but it took six to seven years for the market to recover from that. So it is a realistic view of investing, but debt recycling is a great strategy. It doesn't pay the your main primary residence off any faster.\n\nIt just changes your your loan structure. So it goes from being a non tax deductible debt into a tax deductible debt depending on what happens at the end of that loan. Some people prefer to take the principal out and pay the loan off completely and keep, you know, the investment open with whatever growth and income they've received. Other people prefer to just kinda keep it open permanently. It just sort of comes down to what your goals are and how that strategy works best for you.\n\nThe other option is obviously buying an investment property. I know with\n\nChannel 1: Mhmm.\n\nChannel 0: the changes in what's happened over the past couple of months, as of June, it does make it a little bit harder. We still can\n\nChannel 1: Yep.\n\nChannel 0: utilize negative gearing if you are looking at purchasing a brand new residence. So if you buy a new home and it's built, you can still utilize negative gearing moving forward.\n\nChannel 1: Yep.\n\nChannel 0: And, I mean, with the new changes, I don't a 100% hate them. I did read through the\n\nChannel 1: Yeah.\n\nChannel 0: legislation when it came out, and, realistically, it's not a bad strategy. It's not a bad structure. It just means that if you're looking to say and I'm finding this is probably changing a lot of the way investors think about property because property does grow at a pretty significant rate over longer term. So I have got a few clients who are now looking at just holding properties for, say, the next five, ten, twenty years, getting to retirement and selling that off. And if it's not a new build with the with the negative gearing not being a factor anymore, they essentially make your loan continuously neutrally geared.\n\nSo if you, you know, earn income from the property of 20,000 and your expenditures are 30,000, they make it neutrally geared on your tax return, so your expenses are no more than 20,000. And the extra 10,000 is, you know, capital set. It's held. You know? The losses just continuously build until you sell the property, and then they subtract any previous losses off the gain.\n\nSo it can reduce your capital gain at the end of it. It's actually not bad.\n\nChannel 1: K. So\n\nChannel 0: Yeah.\n\nChannel 1: it says losses,\n\nChannel 0: Yeah.\n\nChannel 1: though. How do you get losses on property?\n\nChannel 0: So\n\nChannel 1: I know\n\nChannel 0: it's\n\nChannel 1: that sounds\n\nChannel 0: it's\n\nChannel 1: like a dumb\n\nChannel 0: essentially\n\nChannel 1: question,\n\nChannel 0: a difference\n\nChannel 1: but I'm like,\n\nChannel 0: no. It's that\n\nChannel 1: yep.\n\nChannel 0: it's honestly not. I promise you. It's definitely not. It's the difference between what you earn in income from the property versus what you're expenditure is. So when\n\nChannel 1: Yep.\n\nChannel 0: you think\n\nChannel 1: Okay.\n\nChannel 0: about\n\nChannel 1: Yep.\n\nChannel 0: property, your income is the rent you receive from that property. Your expenditure is everything you spend on that. So with the the loan you have for the property, the the principal you pay back is not tax deductible, but the interest is. So\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Okay.\n\nChannel 0: can claim the interest you're paying back on the loan, the management fees if you have a real estate agent looking after the management of it, your insurance is on the property, your council rates on the property, if you have someone come and mow the lawn once or twice a week, if you, you know, have to replace things, if you get a painter to come in and do things, if you have to fix the water heater or get, you know, solar panels and things on the property, any maintenance of things that you do to the property, all of that is considered your expenditure, your water bills, if it's, you know, a raised any home and you pay water. Everything you pay on the property is essentially your expenses. If your\n\nChannel 1: Mhmm.\n\nChannel 0: expenditure is less than you're making an income, you've essentially made a loss\n\nChannel 1: Could've\n\nChannel 0: for\n\nChannel 1: lost.\n\nChannel 0: that year.\n\nChannel 1: Yeah.\n\nChannel 0: At the yeah. At the moment, we can claim that loss against our income, and it reduces our taxable income. As of the July 1 year, that will unfortunately not be the case for anyone who's purchased property after the May 12 at 07:30PM this year.\n\nChannel 1: Yep.\n\nChannel 0: At yeah. May 12.\n\nChannel 1: Fine.\n\nChannel 0: So what'll\n\nChannel 1: You can\n\nChannel 0: happen\n\nChannel 1: claim it\n\nChannel 0: then\n\nChannel 1: back Yeah. Okay. At the end when you go to fill\n\nChannel 0: Yeah.\n\nChannel 1: up.\n\nChannel 0: That's correct. Let's say you had a $10,000 loss every year. As much as on your tax return,\n\nChannel 1: Yep.\n\nChannel 0: you're not getting that advantage direct that year, that 10,000 loss continues to it just stays continuously. It adds up. So, say, over ten years, you had a $10,000 loss. It's a $100,000. When you just go to\n\nChannel 1: Mhmm.\n\nChannel 0: sell that property, you work out your capital gain, and then you subtract the loss from that. So it reduces your capital gain, which is not a bad structure. It means that you end up paying less DGT tax at the end of it as well, which isn't a bad structure. I've had a lot\n\nChannel 1: Yes.\n\nChannel 0: of people go, are you serious when I say that? But after, like, going through and reading the legislation, I don't hate it entirely. If you were to buy a brand new build, you still get access to the negative gearing. So if you found, you know, someone who's building a property and house and land packages are often a lot cheaper than buying a new house anyway, So buying a a current house anyway. So, you know, if you found something like that, that would be a good option.\n\nWe can definitely provide advice around it. We don't find the property for you. That's more of a prop like, a buyer's agent. We do have access\n\nChannel 1: Yes.\n\nChannel 0: and can, you know, refer you through to a buyer's agent. They normally charge about 10,000 to help find you the property. But, yeah, if it's something you wanted to look at, I would essentially look at your goals, what you're wanting to do long term, whether you're wanting to hold property, whether you're wanting to pay down your mortgage, what your goals are, and then build a strategy that works for you, whether it'd be holding property right to retirement, paying the mortgage down, and then living off the income to supplement super, or whether we hold property, look at how much it's been growing, sell it off, cement the gain, and, you know, you would use the money in retirement some other way. We can definitely provide advice in that area. It just comes down to what your goals are as to what the strategy is that works for you.\n\nWhen\n\nChannel 1: Mhmm.\n\nChannel 0: the other thing I do have to be mindful of as an adviser is the income tax act. So I can't provide advice solely for the purpose of reducing tax. It is unfortunately section four a of the Income Tax Assessment Act 1936 and 1977, where if we provide advice your goal is solely to reduce tax, it seems a tax avoidance issue. So what I would want to\n\nChannel 1: No.\n\nChannel 0: make\n\nChannel 1: It's\n\nChannel 0: sure\n\nChannel 1: fine.\n\nChannel 0: is that you have a goal, that your goal is essentially whether you want to supplement super in retirement or whether you just wanna build wealth now and sell it off to, you know, have extra money in retirement to boost your super or, you know, have a have a house and pass it down to your children as estate planning. So the side of thing, it's just about working out what your goal is and which which strategy works best in line for you there, whether it is, you know, to invest and build wealth now, not worrying about paying down your mortgage, but changing your debt so it's more tax effective for you and building wealth that way in the shorter term, then, you know, debt recycling could be a way to go there. So there are definitely strategies that we can help you with. I love doing things like that. They are more complex.\n\nChannel 1: Mhmm.\n\nChannel 0: When it comes to fee structure, I don't wanna sugarcoat anything. I wanna make sure you have all the information there. With the fee structure, you pay the 1.65% for us to look after your super, but advice fees have to meet a sole purpose tax. So when it comes to advice outside of super, investments, we do also charge an implementation fee, especially for debt recycling, an implementation fee for going through the advice for that one. And I've actually got that here because we've actually just gone through and reupdated these.\n\nThe implementation fee would be 2,200, especially for debt recycling, and that would have\n\nChannel 1: Mhmm.\n\nChannel 0: to be signed as per a letter of engagement. And then for having the investment set up and investing the funds and monitoring it, we do charge 1.65% out of the investment for the ongoing monitoring maintenance of the investment account as well. So just so you're fully aware and you understand\n\nChannel 1: Yep.\n\nChannel 0: that there is a there are fees for the extra advice, especially outside of Super because we can't charge we can't charge you inside of Super for advice outside of Super. It doesn't meet the sole purpose test, and they don't allow us to do it that way. But is this something I wanted to make sure you're fully aware of, that I'm being you know, fully disclosed so you can take that away and understand that and work out what your goals are? And then let me know what you wanna do, what you you know, when you wanna have more of a conversation, and we can absolutely look at what's happening for you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Perfect. Do you have any questions? I'm sorry. I've touched on a lot.\n\nChannel 1: No. No. That's yeah. That all sounds good.\n\nChannel 0: Yes? Oh, good.\n\nChannel 1: Yep.\n\nChannel 0: It is a lot to go through. Did you want me to send you any kind of recap emails there or any\n\nChannel 1: Yeah. If you\n\nChannel 0: anything\n\nChannel 1: could, that would\n\nChannel 0: with\n\nChannel 1: be good. Yeah.\n\nChannel 0: yep. No worries\n\nChannel 1: I know it's\n\nChannel 0: at\n\nChannel 1: a lot,\n\nChannel 0: all.\n\nChannel 1: but, yeah, I guess what we're gonna\n\nChannel 0: Yeah.\n\nChannel 1: do initially with the and the insurances,\n\nChannel 0: Yeah.\n\nChannel 1: and then\n\nChannel 0: Yes.\n\nChannel 1: what other things, what you've just mentioned, you can advise on, and then you can\n\nChannel 0: Yeah.\n\nChannel 1: pop the fees in there too. Yeah.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. I'll do that for you now. I do have the updated financial services guide, which they are releasing, which has all of that in there.\n\nSo I will get a copy of that to attach to that doc to the email so you can sort of see that and run your eyes over it. It outlines the fee structure, how it works, and the different fees for the different areas of advice that we advise on, especially outside of Super.\n\nChannel 1: Yep.\n\nChannel 0: Next year, they are updating our fee structure to be more of a tiered structure. So, essentially, at the moment, the fees are 1.65% inside super and investment, and they're capped at 600,000. Moving forward, they will be more of a key structure. So when your balance hits 600,000, the fees stay on, but the the actual percentage decreases. That is not happening this year.\n\nThat's happening as of next year. So the ongoing service agreement you have attached there is the same as it has been for the last couple of years. And when that fee structure is fully updated and we have your next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that. But as I just wanna kind of because everything's kinda changing at the moment, I just wanted to make sure that I'm open and letting you know, you know, things are changing. Things things are happening, but this is what you're up for now.\n\nAnd it's reviewable, and you're never locked into a contract either. So if you decide that you're unhappy with everything, I haven't lived up the expectation, you can say, Dana, I'm done. I'm out, and I will turn the fees off. I'll help you roll out to wherever you wanna be, and I'll thank you for your time. And, you know, we'll we'll go from there.\n\nBut I just want to make sure I touched on everything that is important to you, answered the questions. If I haven't answered anything to your standard, please let me know because I'd love to\n\nChannel 1: Yep.\n\nChannel 0: make sure that I'm doing everything right by you, and I do wanna make sure I've catch up with her. Moving forward, would you like catch up more every month of your three months or six months? What's preferable for you moving\n\nChannel 1: Three\n\nChannel 0: forward?\n\nChannel 1: three is probably preferable because it just means I can ask questions\n\nChannel 0: Yep.\n\nChannel 1: if I need to without having to\n\nChannel 0: Absolutely.\n\nChannel 1: think back six months worth. Yeah. And\n\nChannel 0: Yeah.\n\nChannel 1: I guess I\n\nChannel 0: Absolutely.\n\nChannel 1: know I said the two hun the 200 for salary sacrifice. Sorry. I'm bouncing back. But in the advice,\n\nChannel 0: Yeah.\n\nChannel 1: if it's better that I put more in I don't know how\n\nChannel 0: Yep.\n\nChannel 1: you base\n\nChannel 0: Yeah.\n\nChannel 1: that off. I'm, yeah, I'm equally happy to increase that because that does benefit me long term, but I've just\n\nChannel 0: Yeah.\n\nChannel 1: never\n\nChannel 0: Absolutely.\n\nChannel 1: changed it again. Yeah.\n\nChannel 0: No. That's absolutely fine. Not a problem at all. Well, just with the goal for super so I can sort of project that forward for you and look\n\nChannel 1: Mhmm.\n\nChannel 0: at it. In the advice document, I know back when they did the original advice document, you were given essentially twenty year projection. I don't do that. I stop at five or ten years. But in the back end,\n\nChannel 1: Okay.\n\nChannel 0: I do project things out even further. It's just about making sure we're not providing because rates of returns change, and I don't like the idea of telling you you're gonna have $6,000,000 in retirement when you're probably actually gonna not because markets go up and\n\nChannel 1: Yep.\n\nChannel 0: down, and we do see very large dips in the market in the short term. So it's about\n\nChannel 1: Yep.\n\nChannel 0: just making sure that I'm giving you a conservative projection and keeping you on track. I would like to underperform and make sure your projected your actual outcome is better. So I will project that in the back end for you, but the advice document shows sort of five and ten years to make sure that we're not doing anything crazy. I think also when\n\nChannel 1: Yes.\n\nChannel 0: it comes to advice documents, don't let people to project out, you know, thirty years down the track because it's not always it inflates the projections pretty heavily, especially when the performances you know, certain investment portfolios might have received a a 15 or 15% return over the past five years. There's no guarantee they're going to get that over the next two or\n\nChannel 1: Again.\n\nChannel 0: three or five\n\nChannel 1: Yep.\n\nChannel 0: years. So we have to use those returns because that's what it has performed or how it has performed in the in the past, essentially. So it's about making sure we're not overinflating things. But I'll do it in the back end, and I'll have a look at what the 200 looks like for you. If we need to maybe look at increasing that, I'll recommend it and show you how and why the advantages disadvantages of this involved, and then you get to take that away and decide whether you're happy with that or not.\n\nAll of my advice documents do also have yes. Sorry. You're at\n\nChannel 1: The other thing that I've\n\nChannel 0: yes.\n\nChannel 1: never done, and\n\nChannel 0: Mhmm.\n\nChannel 1: I appreciate currently I have a lot of surplus\n\nChannel 0: Mhmm.\n\nChannel 1: on my mortgage. I've never\n\nChannel 0: Yes.\n\nChannel 1: done the drawback. It's probably the wrong term where you can draw back the maximum that I could have paid into my super. Is it three or five years? There's some sort of rule where you can do that. Is that right?\n\nWhere I can inject because you know the the thresholds? I don't even know if I'm talking about the same Super funds have a threshold per year that you can put into it. Right? I think it was 27,000.\n\nChannel 0: Oh,\n\nChannel 1: It might be 30\n\nChannel 0: the con\n\nChannel 1: thousand now.\n\nChannel 0: yes. The the contributions\n\nChannel 1: But then\n\nChannel 0: cap.\n\nChannel 1: there's\n\nChannel 0: Yes.\n\nChannel 1: like yeah. There's a is it a rule where you can go back is it five years? Because you haven't\n\nChannel 0: Yep. Yes.\n\nChannel 1: contributed, and you can inject that\n\nChannel 0: Yeah.\n\nChannel 1: in one yeah. I've\n\nChannel 0: Absolutely.\n\nChannel 1: never used that,\n\nChannel 0: Yes.\n\nChannel 1: but, obviously, I'm mindful\n\nChannel 0: Yeah.\n\nChannel 1: I have super things rather clever now with, yes, I know\n\nChannel 0: Yeah.\n\nChannel 1: the tax changes aren't all bad, but I've never used that. So I guess in one sense, I do have a lot of cash sitting on my home loan. Yes. It's\n\nChannel 0: Yeah.\n\nChannel 1: drawing\n\nChannel 0: Yep.\n\nChannel 1: down in my home loan, but that's gonna be paid off regardless. Is it\n\nChannel 0: Yep.\n\nChannel 1: better that I inject on my drawbacks, whatever they're called?\n\nChannel 0: You could yeah. You could yeah. You could do. So they're called the carry form contributions. I\n\nChannel 1: Yep.\n\nChannel 0: can have a look at that for you as part of the advice. Essentially, what I would wanna be doing is looking at whether it's worth keeping it on the mortgage. So looking at how that's gonna benefit you versus putting the money in the super. You can do it in two ways. So salary sacrifice is what you're doing at the moment.\n\nThere are other\n\nChannel 1: Yep.\n\nChannel 0: options where you've got sorry. I've got the hiccups. I do apologize.\n\nChannel 1: Yes.\n\nChannel 0: You can also do what's called a deductible contribution where at the end of the financial year, if you haven't used the whole of your cap space that year and wanna make, like, a lump sum contribution, you absolutely can.\n\nChannel 1: Yes.\n\nChannel 0: But you look at what you have carried forward contribution from the last five years, and your ATO will show you eligibility for that. Essentially,\n\nChannel 1: Okay.\n\nChannel 0: eligibility wise, you just have to be able to show that your balance is under 500,000 as that 30% during the financial year prior, which yours is. That's absolutely fine.\n\nChannel 1: Mhmm.\n\nChannel 0: You're also under the age with of the requirement, which is fine.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, you should be able to have a look at your MyGov account. In MyGov, if you\n\nChannel 1: Okay.\n\nChannel 0: go to the ATO section, then super, and then the menu and its information, it should then tell you carry forward contributions. If you click on that, it tells you eligibility and then has the last five years broken down for you. We\n\nChannel 1: Okay.\n\nChannel 0: can use it in one of two ways. As a deductible contribution, if you do that at the end of the financial year or you can be doing it in, like, smaller amounts on a regular basis, it actually lowers your tax it uses a tax deduction.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: So,\n\nChannel 1: It does.\n\nChannel 0: like,\n\nChannel 1: Yep.\n\nChannel 0: salary sacrifice comes at free tax, so it reduces how much tax you pay on your income for that week or that fortnight. Whereas if you\n\nChannel 1: Mhmm.\n\nChannel 0: take a lump sum $5,000 at the end of the financial year and put that into your super as a deductible contribution, because it comes out of your after tax\n\nChannel 1: Yep.\n\nChannel 0: money, once it goes into super, we claim a notice of intent. That means the super fund deducts 15% tax.\n\nChannel 1: Yes.\n\nChannel 0: You pay tax on the same amount of money twice. You can then take that $5,000 back and claim it as a tax deduction, and it helps reduce your taxable income by $5,000. So there are those advantages\n\nChannel 1: Yep.\n\nChannel 0: that you can look at doing there. It's up to you whether you wanna just focus on this part of the advice first, and then we come back and look at that again. The same as always if I do three advice documents in a year, you don't pay anything for that in relation to super. That's all part of your ongoing service agreement, and I'm happy to come back and look at that. If you just want me to, we can do the advice on this now.\n\nAnd then in May next year yeah. In May next year, I can make a little calendar invite to check-in, and I can say, hey. Look. We've got this much space left over. Have you got any extra cash?\n\nDo you wanna make a deductible contribution? It definitely\n\nChannel 1: Yep.\n\nChannel 0: works better for higher income earners because it can look to reduce you back a tax bracket a little bit. It's, you\n\nChannel 1: Yep.\n\nChannel 0: know, to help you get a bit more back on your tax return, which could be an advantage. So we can absolutely\n\nChannel 1: And I\n\nChannel 0: do\n\nChannel 1: think\n\nChannel 0: that for you. Yeah.\n\nChannel 1: I will push over because I think one eighty one is the next tax bracket. I could be wrong.\n\nChannel 0: I've got them here in front of me, actually.\n\nChannel 1: I potentially get $20,000 in bonuses, if not 30.\n\nChannel 0: Okay.\n\nChannel 1: So it means now that my base is higher, although it's great, it'll push me\n\nChannel 0: Mhmm.\n\nChannel 1: is it one eighty one? Is that the next tax bracket? I think I'm just under it.\n\nChannel 0: We go from one one thirty five to one ninety.\n\nChannel 1: Oh, sorry. One ninety. Okay. So but if I do get yeah. 20,000 will put me right under it.\n\nBut if it pushes\n\nChannel 0: Yep. Mhmm.\n\nChannel 1: to 30, I will fall into that\n\nChannel 0: Yep. Yeah.\n\nChannel 1: high\n\nChannel 0: And\n\nChannel 1: one.\n\nChannel 0: even making\n\nChannel 1: Yeah.\n\nChannel 0: something\n\nChannel 1: So\n\nChannel 0: as as much as 1 or 2 or $3 could absolutely, you know, push you back under that tax bracket a little bit. And,\n\nChannel 1: yeah.\n\nChannel 0: you know,\n\nChannel 1: So\n\nChannel 0: even if\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: wouldn't\n\nChannel 0: taking\n\nChannel 1: mind\n\nChannel 0: that money\n\nChannel 1: doing\n\nChannel 0: off the mortgage yeah. Yeah.\n\nChannel 1: yes.\n\nChannel 0: Absolutely.\n\nChannel 1: It's benefiting me\n\nChannel 0: Yeah.\n\nChannel 1: one way or another. It\n\nChannel 0: Absolute\n\nChannel 1: doesn't yeah.\n\nChannel 0: absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: And, I mean, if you get a little bit extra tax back, you you put that money in the super, but then if you reduce your tax and get a bit more back, you can put that back onto the mortgage as well. So it's kind\n\nChannel 1: Yeah.\n\nChannel 0: of giving you that double benefit there. So we can absolutely look at doing that. Did you want me to factor that into the advice now for you or just maybe hold up until end of financial year and look at what your income is then? What would you like to do with that?\n\nChannel 1: Yeah. Probably I mean, you can make a note on it that we're gonna look at that.\n\nChannel 0: Yep.\n\nChannel 1: But if you just more so tag that one for the May discussion or whatever the\n\nChannel 0: Yep.\n\nChannel 1: quarter is\n\nChannel 0: Absolutely.\n\nChannel 1: that we discussed before it, then I can see I'll know where my income's at and how many bonuses and\n\nChannel 0: Yep.\n\nChannel 1: whatnot by then.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. No problem at all. And I'll send this email shortly for you. That way, you've got\n\nChannel 1: Okay.\n\nChannel 0: a bit of a recap going through all the things that we've gone through. I'll have your old advice document there as well. I've booked you in for the next month, so I'll add a little note there on the email with our next appointment for your advice presentation to go through with you. And if you have questions or anything else, come back and let me know. I'm happy to rebook you in to talk about anything.\n\nIf there is anything you need, I am, like, taking as many calls as I can off the cuff. So if you call in and go, hey. I need to talk today. I've got these questions. The team will always ask me if I'm available.\n\nAnd if I'm not on the phone, I will always try to take the call. So I'll\n\nChannel 1: Okay.\n\nChannel 0: make sure that I'm available when you need, and I'll make sure that we have a three month catch up from from the August 19, three months on. That way, we can kind of make sure we do those catch ups for you, and you'll hear from Sammy. She's the one that's gonna give you a call and book you in for those catch ups and make sure that you're all looked after with me. So we're we're\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: striving to do better this year, and I really hope I do. If I start to fall short, please let me know. I wanna do the best job I can, but tell me if I start to fall short and I'll pick my game up, I promise. Okay?\n\nChannel 1: No. All good. Thank you. Yep.\n\nChannel 0: That's okay. Do you have any other questions or anything else that you might have for me today or need me to research\n\nChannel 1: No.\n\nChannel 0: for you?\n\nChannel 1: I think that's it. Yep.\n\nChannel 0: Or that's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: That's\n\nChannel 0: Beautiful.\n\nChannel 1: it.\n\nChannel 0: Well\n\nChannel 1: I will yeah.\n\nChannel 0: yeah.\n\nChannel 1: I'll be mindful to read through all the advice so I'm ready for that next\n\nChannel 0: Yep.\n\nChannel 1: call. And yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Perfect.\n\nChannel 0: Easy. No worries at all. I'll get that email to you shortly. You put your annual review doc there as well. Feel free to go through those ones.\n\nIf you're happy to\n\nChannel 1: Yep.\n\nChannel 0: sign them or return the annual the ongoing agreement of that, do so, and I'll get stuff into this research. We'll have it ready for the nineteenth for you. Okay?\n\nChannel 1: Perfect. Sounds good. Thank you so much.\n\nChannel 0: Thanks so much, Bianca. My pleasure. You have a lovely afternoon.\n\nChannel 1: You too. See you later. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":0.39999998,"end":1.14,"sentiment":"neutral","sentiment_score":0.05312757380306721}],"sentiment":"neutral","sentiment_score":0.05312757380306721,"channel":0,"num_words":2,"start":0.39999998,"end":1.14},{"sentences":[{"text":"Hey, Dana.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.05970526114106178},{"text":"I've got Bianca Malcolm on the phone.","start":2.56,"end":4.5,"sentiment":"neutral","sentiment_score":0.10181367823055812}],"sentiment":"neutral","sentiment_score":0.09245625221067005,"channel":1,"num_words":9,"start":1.92,"end":4.5},{"sentences":[{"text":"Beautiful.","start":5.3599997,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6207994222640991},{"text":"All good.","start":6.64,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5286358296871185},{"text":"How does she say?","start":7.2799997,"end":8.34,"sentiment":"neutral","sentiment_score":0.17733624577522278}],"sentiment":"positive","sentiment_score":0.3410594378198896,"channel":0,"num_words":7,"start":5.3599997,"end":8.34},{"sentences":[{"text":"Yes.","start":9.28,"end":9.599999,"sentiment":"neutral","sentiment_score":0.23197993636131287},{"text":"She seems pretty good.","start":9.599999,"end":10.48,"sentiment":"positive","sentiment_score":0.45568403601646423},{"text":"She just missed your call.","start":10.48,"end":11.7,"sentiment":"neutral","sentiment_score":0.03714301586151123}],"sentiment":"neutral","sentiment_score":0.2240431159734726,"channel":1,"num_words":10,"start":9.28,"end":11.7},{"sentences":[{"text":"Mhmm.","start":12.08,"end":12.58,"sentiment":"neutral","sentiment_score":0.06537966430187225},{"text":"That's all good.","start":13.195,"end":13.835,"sentiment":"neutral","sentiment_score":0.29119448860486347},{"text":"No problem at 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okay.","start":36.39,"end":37.35,"sentiment":"neutral","sentiment_score":0.03154713660478592}],"sentiment":"neutral","sentiment_score":0.03154713660478592,"channel":0,"num_words":3,"start":36.39,"end":37.35},{"sentences":[{"text":"That's","start":37.21,"end":37.71,"sentiment":"neutral","sentiment_score":0.024873604997992516}],"sentiment":"neutral","sentiment_score":0.024873604997992516,"channel":1,"num_words":1,"start":37.21,"end":37.71},{"sentences":[{"text":"That's 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go?","start":51.695,"end":52.735,"sentiment":"neutral","sentiment_score":0.04300959501415491}],"sentiment":"neutral","sentiment_score":0.04772040558358034,"channel":0,"num_words":6,"start":49.375,"end":52.735},{"sentences":[{"text":"Yeah.","start":52.695,"end":53.195,"sentiment":"neutral","sentiment_score":0.020186446607112885}],"sentiment":"neutral","sentiment_score":0.020186446607112885,"channel":1,"num_words":1,"start":52.695,"end":53.195},{"sentences":[{"text":"Did they","start":52.735,"end":53.475,"sentiment":"neutral","sentiment_score":0.022122759371995926}],"sentiment":"neutral","sentiment_score":0.022122759371995926,"channel":0,"num_words":2,"start":52.735,"end":53.475},{"sentences":[{"text":"Yeah.","start":53.495,"end":53.655,"sentiment":"neutral","sentiment_score":0.06922473013401031},{"text":"Good.","start":53.655,"end":53.975,"sentiment":"neutral","sentiment_score":0.19064919650554657},{"text":"The little guys are in kindy, so they sort of just do the fun stuff like race, 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good.","start":76.785,"end":77.685,"sentiment":"neutral","sentiment_score":0.2632600665092468},{"text":"Look.","start":77.825,"end":77.985,"sentiment":"neutral","sentiment_score":0.13249120116233826},{"text":"I did have you booked in for your annual review today.","start":77.985,"end":80.305,"sentiment":"neutral","sentiment_score":0.12136702307245949}],"sentiment":"neutral","sentiment_score":0.14879211651928284,"channel":0,"num_words":17,"start":73.985,"end":80.305},{"sentences":[{"text":"I have sent through some compliance documents to you as part of the review to your 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I","start":104.244995,"end":104.564995,"sentiment":"neutral","sentiment_score":-0.038959821686148643}],"sentiment":"neutral","sentiment_score":-0.09200202513100772,"channel":0,"num_words":29,"start":94.65,"end":104.564995},{"sentences":[{"text":"Yep.","start":104.445,"end":104.945,"sentiment":"neutral","sentiment_score":-0.010219212621450424}],"sentiment":"neutral","sentiment_score":-0.010219212621450424,"channel":1,"num_words":1,"start":104.445,"end":104.945},{"sentences":[{"text":"just wanted to sort of take some time to have a chat to you about your concerns, what you're after, what you're looking for, and sort of see what we can do moving forward to help you 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myself.","start":356.53,"end":359.51,"sentiment":"neutral","sentiment_score":-0.09927202490243045}],"sentiment":"neutral","sentiment_score":-0.050460413098335266,"channel":0,"num_words":13,"start":355.89,"end":359.51},{"sentences":[{"text":"Okay.","start":360.28,"end":360.78,"sentiment":"neutral","sentiment_score":-0.02118467167019844}],"sentiment":"neutral","sentiment_score":-0.02118467167019844,"channel":1,"num_words":1,"start":360.28,"end":360.78},{"sentences":[{"text":"So with with Tarek and I, we essentially used to share the whole book of clients.","start":360.53,"end":367.01,"sentiment":"neutral","sentiment_score":-0.0005542885919567198},{"text":"So all the clients on under OPU are essentially under the OPU license, and we used to just call every single one of them and go through the annual reviews and do what we needed.","start":367.01,"end":376.42502,"sentiment":"neutral","sentiment_score":0.012653192079492977},{"text":"So there was no sort of specific adviser in that 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are unhappy with our services, you do find an adviser you would prefer to work with someone else, that is absolutely okay.","start":811.84,"end":820.985,"sentiment":"neutral","sentiment_score":-0.21690096457799277},{"text":"I don't want you to leave, but at the same time, I'm honest.","start":821.205,"end":824.245,"sentiment":"neutral","sentiment_score":-0.14460107798759753},{"text":"And if you find someone else that you would prefer to work with, they can take over your super.","start":824.245,"end":829.27,"sentiment":"neutral","sentiment_score":-0.08640346578077267},{"text":"Your insurance can be transferred as well or paid out of 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and you just, you know,","start":842.175,"end":847.21497,"sentiment":"neutral","sentiment_score":-0.03685054872184992}],"sentiment":"neutral","sentiment_score":-0.02604245265223542,"channel":0,"num_words":49,"start":834.71,"end":847.21497},{"sentences":[{"text":"Yes.","start":846.925,"end":847.425,"sentiment":"neutral","sentiment_score":0.019643504172563553}],"sentiment":"neutral","sentiment_score":0.019643504172563553,"channel":1,"num_words":1,"start":846.925,"end":847.425},{"sentences":[{"text":"wanna go with them, that's understandable.","start":847.21497,"end":848.995,"sentiment":"neutral","sentiment_score":-0.014213968844463428},{"text":"I get that.","start":849.375,"end":850.27496,"sentiment":"neutral","sentiment_score":0.021861530219515164},{"text":"You let me know.","start":850.575,"end":851.375,"sentiment":"neutral","sentiment_score":0.04341988172382116},{"text":"We will help you roll on 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you've probably spoken to in OQ, and that's that's because I I do not believe in the salesy tactic side of things.","start":884.73,"end":896.265,"sentiment":"negative","sentiment_score":-0.3459394678021922},{"text":"As a financial adviser, I work on the best interest, Judy, and I have to work in your best interest.","start":896.745,"end":901.945,"sentiment":"neutral","sentiment_score":0.08228507786989211}],"sentiment":"neutral","sentiment_score":-0.003156064123642154,"channel":0,"num_words":82,"start":876.635,"end":901.945},{"sentences":[{"text":"So the advice I do provide is about making sure we're working towards your goals.","start":901.945,"end":906.925,"sentiment":"neutral","sentiment_score":0.1398637443780899},{"text":"I'm so was so sorry that that advice took so long to do last year.","start":907.305,"end":911.45,"sentiment":"negative","sentiment_score":-0.497338871161143},{"text":"It was not preferred in any way, shape, or form, and I was very disappointed in us for that 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administration fees, investment fees, and our our ongoing service fee there as well.","start":1247.52,"end":1254.1001,"sentiment":"neutral","sentiment_score":0.0605795755982399},{"text":"Now with","start":1254.4,"end":1255.12,"sentiment":"neutral","sentiment_score":0.034883031621575356}],"sentiment":"neutral","sentiment_score":0.10374880551050107,"channel":0,"num_words":48,"start":1237.105,"end":1255.12},{"sentences":[{"text":"Mhmm.","start":1254.97,"end":1255.47,"sentiment":"neutral","sentiment_score":0.0303814560174942}],"sentiment":"neutral","sentiment_score":0.0303814560174942,"channel":1,"num_words":1,"start":1254.97,"end":1255.47},{"sentences":[{"text":"your portfolio, having a look at the first page there, all of your investors are performing very, very nicely.","start":1255.12,"end":1262.625,"sentiment":"neutral","sentiment_score":0.12167396808141157},{"text":"However, if you look at the Benelon Australian Equities one, that one there I flagged as underperforming.","start":1263.085,"end":1268.3049,"sentiment":"neutral","sentiment_score":-0.27973684054963727},{"text":"And the reason I can sort of tell it's underperforming is that whilst we have seen the ups and downs in the market this year, as a whole, the Australian share market is actually not doing too bad.","start":1269.085,"end":1280.63,"sentiment":"neutral","sentiment_score":-0.3086936842454107},{"text":"Equities are up at the moment, but this one investment is down and down quite a lot.","start":1280.63,"end":1285.75,"sentiment":"negative","sentiment_score":-0.35137133212650523},{"text":"It's showing it's down by over 23.26%.","start":1285.75,"end":1289.255,"sentiment":"neutral","sentiment_score":-0.3310474710805075}],"sentiment":"neutral","sentiment_score":-0.22923189633506902,"channel":0,"num_words":98,"start":1255.12,"end":1289.255},{"sentences":[{"text":"I went back to have a look at Bennelong and see what was happening within the 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that because of the trading call, Van Along can't remove corporate travelers from their investment profile,","start":1386.8201,"end":1393.3201,"sentiment":"neutral","sentiment_score":-0.19921329460645976}],"sentiment":"neutral","sentiment_score":-0.3058441025552465,"channel":0,"num_words":67,"start":1368.63,"end":1393.3201},{"sentences":[{"text":"Yep.","start":1393.6499,"end":1394.1499,"sentiment":"neutral","sentiment_score":-0.14113155007362366}],"sentiment":"neutral","sentiment_score":-0.14113155007362366,"channel":1,"num_words":1,"start":1393.6499,"end":1394.1499},{"sentences":[{"text":"but we can get you out of Van Along.","start":1393.9401,"end":1395.78,"sentiment":"neutral","sentiment_score":-0.2047136260403527},{"text":"So I would like to move that nice and quickly and get that out of your portfolio.","start":1395.78,"end":1400.04,"sentiment":"neutral","sentiment_score":0.0010959961835075836},{"text":"It 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losses now, remove it from the portfolio knowing we can put you into something that's probably performing better and make that money back a little bit quicker for you?","start":1416.09,"end":1432.595,"sentiment":"neutral","sentiment_score":-0.15694560410995637},{"text":"Does that make sense?","start":1432.595,"end":1433.655,"sentiment":"neutral","sentiment_score":-0.016818156465888023}],"sentiment":"neutral","sentiment_score":-0.2410173756358898,"channel":0,"num_words":113,"start":1401.385,"end":1433.655},{"sentences":[{"text":"Yeah.","start":1434.3451,"end":1434.8451,"sentiment":"neutral","sentiment_score":0.02061896026134491},{"text":"Yeah.","start":1434.905,"end":1435.0651,"sentiment":"neutral","sentiment_score":0.08301378786563873},{"text":"It 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can.","start":1442.32,"end":1447.22,"sentiment":"neutral","sentiment_score":0.06984251970425248}],"sentiment":"neutral","sentiment_score":0.06797020858072716,"channel":0,"num_words":46,"start":1436.195,"end":1447.22},{"sentences":[{"text":"But I would love to update the advice now and get that out of your portfolio and just maybe look at updating your portfolio as well because, you know, investments that have had a great track record in past may not be as good now.","start":1447.9199,"end":1460.215,"sentiment":"neutral","sentiment_score":0.07247616309258673},{"text":"Also, the Bandit property is a little bit down.","start":1460.835,"end":1463.6549,"sentiment":"neutral","sentiment_score":-0.2773248338037067},{"text":"That is due to your property having a bit of a fallback in the market with the changes that have just been legislated.","start":1463.875,"end":1468.9349,"sentiment":"neutral","sentiment_score":-0.30281348461690155},{"text":"Property 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growth.","start":1504.37,"end":1509.11,"sentiment":"neutral","sentiment_score":-0.050571248221855894},{"text":"This hasn't been able to do that, and a 3% return for an investment that's supposed to be seeing a much higher rate of return isn't really preferable, and it sort of shows that China's having a bit of issues at the moment as well.","start":1509.755,"end":1522.315,"sentiment":"negative","sentiment_score":-0.347175043159061},{"text":"So I would probably like to remove those three investments out of your portfolio and look to","start":1522.315,"end":1528.14,"sentiment":"neutral","sentiment_score":-0.16731731023858576}],"sentiment":"neutral","sentiment_score":-0.2549959659079711,"channel":0,"num_words":75,"start":1504.37,"end":1528.14},{"sentences":[{"text":"Yep.","start":1528.13,"end":1528.63,"sentiment":"neutral","sentiment_score":-0.00797625444829464}],"sentiment":"neutral","sentiment_score":-0.00797625444829464,"channel":1,"num_words":1,"start":1528.13,"end":1528.63},{"sentences":[{"text":"maybe move the money into something performing a little bit better for you and just update your portfolio as a whole.","start":1528.14,"end":1533.98,"sentiment":"neutral","sentiment_score":0.022088377248673213},{"text":"Does that sound okay, and do you have any 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out,","start":1565.2949,"end":1568.2749,"sentiment":"neutral","sentiment_score":0.0973743689911706}],"sentiment":"neutral","sentiment_score":0.07665705394286376,"channel":0,"num_words":13,"start":1562.25,"end":1568.2749},{"sentences":[{"text":"Yes.","start":1569.195,"end":1569.695,"sentiment":"neutral","sentiment_score":0.034884776920080185}],"sentiment":"neutral","sentiment_score":0.034884776920080185,"channel":1,"num_words":1,"start":1569.195,"end":1569.695},{"sentences":[{"text":"and they're giving you income payments or coupon payments back.","start":1569.2949,"end":1572.6749,"sentiment":"neutral","sentiment_score":0.09255610480904579},{"text":"Bank hybrids are exactly the same as bonds in that sort of aspect, but they're also traded on the ASX.","start":1573.215,"end":1578.975,"sentiment":"neutral","sentiment_score":0.08735243286937475},{"text":"So they get a bit of growth as well as income 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yeah,","start":1633.35,"end":1633.91,"sentiment":"neutral","sentiment_score":0.01915234373882413}],"sentiment":"neutral","sentiment_score":-0.03463895533881758,"channel":1,"num_words":23,"start":1627.1901,"end":1633.91},{"sentences":[{"text":"Yeah.","start":1633.6849,"end":1634.1849,"sentiment":"neutral","sentiment_score":0.15218612551689148}],"sentiment":"neutral","sentiment_score":0.15218612551689148,"channel":0,"num_words":1,"start":1633.6849,"end":1634.1849},{"sentences":[{"text":"I'm happy for them to 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depending on what we're moving into.","start":1785.5549,"end":1791.575,"sentiment":"neutral","sentiment_score":0.2129499186810694},{"text":"We're looking at exposure globally for the whole world.","start":1791.875,"end":1795.1749,"sentiment":"neutral","sentiment_score":0.20091913640499115}],"sentiment":"neutral","sentiment_score":0.28047855668946314,"channel":0,"num_words":133,"start":1753.5399,"end":1795.1749},{"sentences":[{"text":"Some of the portfolios that we've been using actually incorporate an all world index.","start":1795.315,"end":1800.135,"sentiment":"neutral","sentiment_score":0.3181795594947679},{"text":"That way, we're not just picking, you know, China or The US or Australia or India.","start":1800.54,"end":1806.2201,"sentiment":"neutral","sentiment_score":0.14753473084419966},{"text":"We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future.","start":1806.2201,"end":1818.275,"sentiment":"positive","sentiment_score":0.42394440472126005},{"text":"We also keep The US exposure in there as well, and we also keep some separate Australian exposure in there as well.","start":1818.975,"end":1825.935,"sentiment":"neutral","sentiment_score":0.22038151797923175},{"text":"So it's about just making sure that you've got a good diversification.","start":1825.935,"end":1829.475,"sentiment":"positive","sentiment_score":0.5074658816059431}],"sentiment":"neutral","sentiment_score":0.32416367705198046,"channel":0,"num_words":94,"start":1795.315,"end":1829.475},{"sentences":[{"text":"Back in the day, back when I first started in this industry, advisers used to advise and put, you know, individual companies in it.","start":1830.57,"end":1838.1699,"sentiment":"neutral","sentiment_score":0.08139574900269508},{"text":"So you might see CBA, Westpac, you know, BHP, but those portfolios had to have 50 or 60 different individual companies to give them diversification.","start":1838.1699,"end":1847.965,"sentiment":"neutral","sentiment_score":0.07076646283268928},{"text":"We","start":1849.065,"end":1849.225,"sentiment":"neutral","sentiment_score":0.2527625858783722}],"sentiment":"neutral","sentiment_score":0.07950844265520572,"channel":0,"num_words":50,"start":1830.57,"end":1849.225},{"sentences":[{"text":"Yep.","start":1849.2001,"end":1849.7001,"sentiment":"neutral","sentiment_score":0.27875256538391113}],"sentiment":"neutral","sentiment_score":0.27875256538391113,"channel":1,"num_words":1,"start":1849.2001,"end":1849.7001},{"sentences":[{"text":"can essentially create that same diversification by having anywhere from five to 10 different investment options in a portfolio.","start":1849.225,"end":1857.085,"sentiment":"neutral","sentiment_score":0.2927752529319964},{"text":"When we are looking at those, we factor in cost.","start":1858.62,"end":1862.0,"sentiment":"neutral","sentiment_score":0.10023487359285355},{"text":"One of the big ones to factor in is CDP because just like you, your super fund does a tax return every year.","start":1863.42,"end":1869.5801,"sentiment":"neutral","sentiment_score":0.133047166077987},{"text":"So whenever","start":1869.5801,"end":1870.2201,"sentiment":"neutral","sentiment_score":0.1122814416885376}],"sentiment":"neutral","sentiment_score":0.1824023378668008,"channel":0,"num_words":54,"start":1849.225,"end":1870.2201},{"sentences":[{"text":"Yep.","start":1870.15,"end":1870.65,"sentiment":"neutral","sentiment_score":0.08375591039657593}],"sentiment":"neutral","sentiment_score":0.08375591039657593,"channel":1,"num_words":1,"start":1870.15,"end":1870.65},{"sentences":[{"text":"there is buying and selling of investments or investment switching going on, your super fund has to account for capital gains.","start":1870.2201,"end":1876.625,"sentiment":"neutral","sentiment_score":0.06629863665217445},{"text":"So when we research what we're gonna move out of the portfolio, what we're gonna replace that with, we look at what the capital gains consequences would be for your super fund.","start":1876.625,"end":1885.2849,"sentiment":"neutral","sentiment_score":0.06450623134151101},{"text":"We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money.","start":1885.6649,"end":1895.02,"sentiment":"neutral","sentiment_score":0.10001203647026649},{"text":"I've been trying to build portfolios at a much lower costing to save on investment fees.","start":1895.32,"end":1900.2999,"sentiment":"positive","sentiment_score":0.34027293138206005},{"text":"And then you've got administration fees as well, which is the platform fees for Hub 24","start":1900.495,"end":1905.5349,"sentiment":"neutral","sentiment_score":0.2680003335699439}],"sentiment":"neutral","sentiment_score":0.1422446482890361,"channel":0,"num_words":111,"start":1870.2201,"end":1905.5349},{"sentences":[{"text":"Yep.","start":1905.53,"end":1906.03,"sentiment":"neutral","sentiment_score":0.2694924473762512}],"sentiment":"neutral","sentiment_score":0.2694924473762512,"channel":1,"num_words":1,"start":1905.53,"end":1906.03},{"sentences":[{"text":"and their administration of that platform.","start":1905.5349,"end":1907.7949,"sentiment":"neutral","sentiment_score":0.2620116447408994},{"text":"So it's about making sure you've got a good diversified range of investments, making sure you've got asset allocations in Australia, The US.","start":1908.735,"end":1916.115,"sentiment":"positive","sentiment_score":0.35809239680352417},{"text":"Japan's been really good lately, and also parts of Asia as well.","start":1918.13,"end":1922.07,"sentiment":"neutral","sentiment_score":0.226766308148702},{"text":"But then also making sure there's some global exposure in there.","start":1922.53,"end":1925.41,"sentiment":"neutral","sentiment_score":0.05871243097565391},{"text":"Physical gold has been at a thirty year high over the past few months.","start":1925.41,"end":1929.465,"sentiment":"neutral","sentiment_score":0.004091629492385047}],"sentiment":"neutral","sentiment_score":0.20049257948994637,"channel":0,"num_words":66,"start":1905.5349,"end":1929.465},{"sentences":[{"text":"We have definitely been keeping physical gold in there.","start":1929.945,"end":1932.4249,"sentiment":"neutral","sentiment_score":0.08017898516522513},{"text":"I know in February, it took a massive dive of 18%, and most raised in the last week or so, it has had a little bit of a dip there as well.","start":1932.4249,"end":1940.745,"sentiment":"neutral","sentiment_score":-0.11025566491298378},{"text":"But physical gold is still a good investment to have.","start":1940.745,"end":1943.645,"sentiment":"positive","sentiment_score":0.45637465417385104},{"text":"It is a growth investment, but it's also defensive in nature.","start":1944.1799,"end":1948.0199,"sentiment":"neutral","sentiment_score":0.3223493844270706},{"text":"So when you kind of think back to, like, the DSP or even COVID, when equities","start":1948.0199,"end":1953.5399,"sentiment":"neutral","sentiment_score":0.07626088755205274}],"sentiment":"neutral","sentiment_score":0.08363068667359841,"channel":0,"num_words":78,"start":1929.945,"end":1953.5399},{"sentences":[{"text":"Yes.","start":1953.12,"end":1953.62,"sentiment":"neutral","sentiment_score":0.0910850539803505}],"sentiment":"neutral","sentiment_score":0.0910850539803505,"channel":1,"num_words":1,"start":1953.12,"end":1953.62},{"sentences":[{"text":"are seeing it very much a down point, people take money out of their portfolio and pop it in the gold and the safe haven.","start":1953.5399,"end":1959.075,"sentiment":"neutral","sentiment_score":0.05303556151688099},{"text":"So","start":1960.0349,"end":1960.2749,"sentiment":"neutral","sentiment_score":0.12204550951719284}],"sentiment":"neutral","sentiment_score":0.05568979028612375,"channel":0,"num_words":26,"start":1953.5399,"end":1960.2749},{"sentences":[{"text":"Yes.","start":1960.08,"end":1960.58,"sentiment":"neutral","sentiment_score":0.28498148918151855}],"sentiment":"neutral","sentiment_score":0.28498148918151855,"channel":1,"num_words":1,"start":1960.08,"end":1960.58},{"sentences":[{"text":"it works both ways.","start":1960.2749,"end":1961.3949,"sentiment":"positive","sentiment_score":0.3335294872522354},{"text":"It is a growth asset, but it does work defensively as well.","start":1961.3949,"end":1964.6749,"sentiment":"positive","sentiment_score":0.3599747021993001},{"text":"So we do like to have physical gold in there.","start":1964.6749,"end":1967.1749,"sentiment":"neutral","sentiment_score":0.2900156587362289},{"text":"And then cybersecurity has taken a bit of a hit this year.","start":1967.875,"end":1971.1549,"sentiment":"neutral","sentiment_score":-0.07780018541961908},{"text":"Your portfolio has stayed up over 15%, which is fantastic.","start":1971.1549,"end":1974.8,"sentiment":"neutral","sentiment_score":0.2739097662270069}],"sentiment":"neutral","sentiment_score":0.21582221666661403,"channel":0,"num_words":48,"start":1960.2749,"end":1974.8},{"sentences":[{"text":"But with what's happening between The US and Iran, cybersecurity has had a little bit of a sell off, so it's down a bit at the moment.","start":1975.66,"end":1982.56,"sentiment":"neutral","sentiment_score":-0.09901432982749409},{"text":"But I do see that as still an important place to see investments.","start":1983.18,"end":1986.8,"sentiment":"neutral","sentiment_score":0.22722385709102338},{"text":"Because moving forward, we're all online.","start":1987.1449,"end":1988.9049,"sentiment":"neutral","sentiment_score":0.19641255338986716},{"text":"We do a lot of things online, and, you know, making sure we protect all of that is a really big place.","start":1988.9049,"end":1994.5249,"sentiment":"neutral","sentiment_score":0.14760953899134288},{"text":"And governments are just being throwing money in those areas over the last couple of years and will continue to do so, especially with all the the hacking scandals we've had, all the issues we've had with tech companies and things like that.","start":1995.225,"end":2008.6,"sentiment":"neutral","sentiment_score":0.004000322839115248}],"sentiment":"neutral","sentiment_score":0.04394975042406906,"channel":0,"num_words":111,"start":1975.66,"end":2008.6},{"sentences":[{"text":"So protecting our privacy is very much one of the larger issues.","start":2009.22,"end":2012.68,"sentiment":"neutral","sentiment_score":0.01868210391451915},{"text":"So I do see hack and cybersecurity as a good place to remain invested.","start":2012.8201,"end":2017.16,"sentiment":"neutral","sentiment_score":0.1814821655196803},{"text":"So, realistically, just off the top of my head, I would be looking to replace about four of those investments,","start":2017.3,"end":2023.025,"sentiment":"neutral","sentiment_score":0.05224659712985158}],"sentiment":"neutral","sentiment_score":0.0828232066705823,"channel":0,"num_words":46,"start":2009.22,"end":2023.025},{"sentences":[{"text":"Mhmm.","start":2024.055,"end":2024.555,"sentiment":"neutral","sentiment_score":0.05624305456876755}],"sentiment":"neutral","sentiment_score":0.05624305456876755,"channel":1,"num_words":1,"start":2024.055,"end":2024.555},{"sentences":[{"text":"maybe five of them, and, you know, sort of readjust the portfolio.","start":2024.285,"end":2028.705,"sentiment":"neutral","sentiment_score":0.09215348834792773},{"text":"I can see a way we can make it a bit cheaper, make sure it has been performing really well, increase your diversification across the portfolio to help lower the overall risk of the portfolio, but also keep within that high growth environment so you are still, you know, obtaining good returns moving forward.","start":2029.085,"end":2047.4049,"sentiment":"neutral","sentiment_score":0.3086733302032506},{"text":"Does that make sense?","start":2047.4049,"end":2048.4648,"sentiment":"neutral","sentiment_score":0.20137983188033104}],"sentiment":"neutral","sentiment_score":0.2654245859810284,"channel":0,"num_words":70,"start":2024.285,"end":2048.4648},{"sentences":[{"text":"Yes, sir.","start":2048.98,"end":2049.615,"sentiment":"neutral","sentiment_score":0.14469356834888458}],"sentiment":"neutral","sentiment_score":0.14469356834888458,"channel":1,"num_words":2,"start":2048.98,"end":2049.615},{"sentences":[{"text":"Yep.","start":2050.925,"end":2051.405,"sentiment":"neutral","sentiment_score":0.16987363994121552},{"text":"Perfect.","start":2051.405,"end":2051.885,"sentiment":"positive","sentiment_score":0.3699207007884979},{"text":"Do you have any questions about any of that?","start":2051.885,"end":2054.125,"sentiment":"neutral","sentiment_score":0.1339118265443378},{"text":"Please let","start":2054.125,"end":2054.605,"sentiment":"neutral","sentiment_score":0.025362865068018436}],"sentiment":"neutral","sentiment_score":0.13813280844344542,"channel":0,"num_words":13,"start":2050.925,"end":2054.605},{"sentences":[{"text":"Yep.","start":2054.4949,"end":2054.895,"sentiment":"neutral","sentiment_score":0.01097551267594099}],"sentiment":"neutral","sentiment_score":0.01097551267594099,"channel":1,"num_words":1,"start":2054.4949,"end":2054.895},{"sentences":[{"text":"me know if","start":2054.605,"end":2055.005,"sentiment":"neutral","sentiment_score":-0.005174995865672827}],"sentiment":"neutral","sentiment_score":-0.005174995865672827,"channel":0,"num_words":3,"start":2054.605,"end":2055.005},{"sentences":[{"text":"No.","start":2054.895,"end":2055.395,"sentiment":"neutral","sentiment_score":-0.03861481696367264}],"sentiment":"neutral","sentiment_score":-0.03861481696367264,"channel":1,"num_words":1,"start":2054.895,"end":2055.395},{"sentences":[{"text":"you do.","start":2055.005,"end":2055.585,"sentiment":"neutral","sentiment_score":-0.02694543544203043}],"sentiment":"neutral","sentiment_score":-0.02694543544203043,"channel":0,"num_words":2,"start":2055.005,"end":2055.585},{"sentences":[{"text":"No.","start":2055.775,"end":2056.175,"sentiment":"neutral","sentiment_score":-0.0799698531627655},{"text":"That is alright.","start":2056.175,"end":2056.975,"sentiment":"neutral","sentiment_score":-0.06178556134303411},{"text":"I","start":2056.975,"end":2057.135,"sentiment":"neutral","sentiment_score":-0.08742457628250122}],"sentiment":"neutral","sentiment_score":-0.07055022269487381,"channel":1,"num_words":5,"start":2055.775,"end":2057.135},{"sentences":[{"text":"No.","start":2057.005,"end":2057.505,"sentiment":"neutral","sentiment_score":-0.09339472651481628}],"sentiment":"neutral","sentiment_score":-0.09339472651481628,"channel":0,"num_words":1,"start":2057.005,"end":2057.505},{"sentences":[{"text":"do.","start":2057.135,"end":2057.375,"sentiment":"neutral","sentiment_score":-0.06667499244213104},{"text":"I understand it.","start":2057.375,"end":2058.255,"sentiment":"neutral","sentiment_score":-0.05577652156352997},{"text":"Yeah.","start":2058.255,"end":2058.755,"sentiment":"neutral","sentiment_score":0.009837825782597063}],"sentiment":"neutral","sentiment_score":-0.044833346270024776,"channel":1,"num_words":5,"start":2057.135,"end":2058.755},{"sentences":[{"text":"Yeah.","start":2058.3801,"end":2058.8801,"sentiment":"neutral","sentiment_score":0.013198853470385076}],"sentiment":"neutral","sentiment_score":0.013198853470385076,"channel":0,"num_words":1,"start":2058.3801,"end":2058.8801},{"sentences":[{"text":"Let me check.","start":2058.815,"end":2059.695,"sentiment":"neutral","sentiment_score":0.009418545290827751}],"sentiment":"neutral","sentiment_score":0.009418545290827751,"channel":1,"num_words":3,"start":2058.815,"end":2059.695},{"sentences":[{"text":"Yeah.","start":2059.5,"end":2059.98,"sentiment":"neutral","sentiment_score":0.03729194402694702}],"sentiment":"neutral","sentiment_score":0.03729194402694702,"channel":0,"num_words":1,"start":2059.5,"end":2059.98},{"sentences":[{"text":"Yes.","start":2059.695,"end":2060.195,"sentiment":"neutral","sentiment_score":0.09016816318035126}],"sentiment":"neutral","sentiment_score":0.09016816318035126,"channel":1,"num_words":1,"start":2059.695,"end":2060.195},{"sentences":[{"text":"Excellent.","start":2059.98,"end":2060.48,"sentiment":"positive","sentiment_score":0.3415449559688568},{"text":"Excellent.","start":2060.9402,"end":2061.4402,"sentiment":"neutral","sentiment_score":0.156330406665802},{"text":"So there are definitely some things to do here.","start":2061.82,"end":2064.06,"sentiment":"neutral","sentiment_score":0.15854650487502417},{"text":"I would love to, you know, go back and reassess the the portfolio for you.","start":2064.06,"end":2068.6401,"sentiment":"neutral","sentiment_score":0.29976569215456644},{"text":"Essentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances.","start":2068.7002,"end":2076.875,"sentiment":"neutral","sentiment_score":0.174921151516693}],"sentiment":"neutral","sentiment_score":0.2096124357647366,"channel":0,"num_words":54,"start":2059.98,"end":2076.875},{"sentences":[{"text":"We'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be.","start":2077.255,"end":2092.77,"sentiment":"neutral","sentiment_score":0.11084723228758031},{"text":"Does that sound okay?","start":2092.77,"end":2093.91,"sentiment":"neutral","sentiment_score":0.1331810001283884}],"sentiment":"neutral","sentiment_score":0.11236138603949951,"channel":0,"num_words":59,"start":2077.255,"end":2093.91},{"sentences":[{"text":"Yep.","start":2093.5498,"end":2094.0498,"sentiment":"neutral","sentiment_score":0.06307722628116608},{"text":"Yeah.","start":2094.27,"end":2094.51,"sentiment":"neutral","sentiment_score":0.06664671003818512},{"text":"That's all.","start":2094.51,"end":2094.99,"sentiment":"neutral","sentiment_score":0.070856012403965},{"text":"Yep.","start":2094.99,"end":2095.49,"sentiment":"neutral","sentiment_score":0.10179372876882552}],"sentiment":"neutral","sentiment_score":0.07464593797922134,"channel":1,"num_words":5,"start":2093.5498,"end":2095.49},{"sentences":[{"text":"Yep.","start":2095.17,"end":2095.67,"sentiment":"neutral","sentiment_score":0.2121070921421051},{"text":"Fantastic.","start":2096.595,"end":2097.095,"sentiment":"positive","sentiment_score":0.6519272327423096},{"text":"Excellent.","start":2097.635,"end":2098.135,"sentiment":"positive","sentiment_score":0.63185715675354},{"text":"Excellent.","start":2098.275,"end":2098.775,"sentiment":"positive","sentiment_score":0.5242236852645874},{"text":"Sorry.","start":2098.835,"end":2099.335,"sentiment":"neutral","sentiment_score":0.1574368178844452}],"sentiment":"positive","sentiment_score":0.43551039695739746,"channel":0,"num_words":5,"start":2095.17,"end":2099.335},{"sentences":[{"text":"Always stop me.","start":2099.395,"end":2100.355,"sentiment":"neutral","sentiment_score":-0.005920480936765671},{"text":"I get a little bit excited talking about super insurances.","start":2100.355,"end":2103.175,"sentiment":"neutral","sentiment_score":0.022474561631679536},{"text":"I'm a little bit insane.","start":2103.235,"end":2104.455,"sentiment":"neutral","sentiment_score":-0.14965623170137404},{"text":"So feel free to just stop me and ask questions or go, hang on, Dana.","start":2104.9949,"end":2108.675,"sentiment":"neutral","sentiment_score":0.02976776510477066},{"text":"I don't understand.","start":2108.675,"end":2109.4949,"sentiment":"neutral","sentiment_score":-0.1662860562403997}],"sentiment":"neutral","sentiment_score":-0.016489963254166976,"channel":0,"num_words":36,"start":2099.395,"end":2109.4949},{"sentences":[{"text":"I just you break that down a 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we haven't lost something.","start":2316.935,"end":2320.5552,"sentiment":"neutral","sentiment_score":0.042427800595760345},{"text":"We do do a lot of advice for clients to go through claims and do get really great payouts to, you know, to look at what to do.","start":2321.175,"end":2329.8398,"sentiment":"neutral","sentiment_score":0.18983709293284587},{"text":"However, to claim on insurance, it means you've lost something.","start":2329.8398,"end":2333.22,"sentiment":"neutral","sentiment_score":-0.30097826570272446}],"sentiment":"neutral","sentiment_score":-0.09522106166775912,"channel":0,"num_words":73,"start":2309.5752,"end":2333.22},{"sentences":[{"text":"For life insurance, you know, someone's passed away or terminally ill for trauma,","start":2333.52,"end":2338.125,"sentiment":"neutral","sentiment_score":-0.27387099197277653}],"sentiment":"neutral","sentiment_score":-0.27387099197277653,"channel":0,"num_words":13,"start":2333.52,"end":2338.125},{"sentences":[{"text":"Yes.","start":2337.845,"end":2338.345,"sentiment":"neutral","sentiment_score":-0.10998080670833588}],"sentiment":"neutral","sentiment_score":-0.10998080670833588,"channel":1,"num_words":1,"start":2337.845,"end":2338.345},{"sentences":[{"text":"there's been a cancer diagnosed through a stroke or something.","start":2338.125,"end":2341.185,"sentiment":"neutral","sentiment_score":-0.2248891517519951},{"text":"The income protection, someone's unable to go to work, and income protection is good to kinda cover you for that.","start":2341.405,"end":2347.0051,"sentiment":"neutral","sentiment_score":-0.11146583780646324},{"text":"But a lot of people who are on long term income protection claims, like, two years plus, they end up they can end up being a lot of mental health effects that come from that because they're not able to get back to work, and they're just sort of sitting around hoping it's gonna be okay and going through rehabilitation or going through treatment and going to the doctors all the time.","start":2347.0051,"end":2365.97,"sentiment":"negative","sentiment_score":-0.3900303728878498},{"text":"And that sort of thing really plays badly on their mental health.","start":2365.97,"end":2369.395,"sentiment":"negative","sentiment_score":-0.5893953070044518},{"text":"So it's kind of one of those insurances is kind of one of those tax 22.","start":2369.395,"end":2374.275,"sentiment":"neutral","sentiment_score":-0.09649435360915959}],"sentiment":"neutral","sentiment_score":-0.31674652664134134,"channel":0,"num_words":130,"start":2338.125,"end":2374.275},{"sentences":[{"text":"You kind of wanna have it to make sure that in the event something happens, we can claim 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I am at an age where people are just falling on the left, right, and center.","start":2406.21,"end":2410.29,"sentiment":"negative","sentiment_score":-0.45081162102082195},{"text":"It's very 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things that we can do.","start":2639.1301,"end":2643.05,"sentiment":"neutral","sentiment_score":0.3174602698821288},{"text":"So if you were to claim CBD, we would provide advice on how to use the funds.","start":2643.05,"end":2648.11,"sentiment":"neutral","sentiment_score":0.1455269745167564},{"text":"We can","start":2648.855,"end":2649.335,"sentiment":"neutral","sentiment_score":0.11934461444616318}],"sentiment":"neutral","sentiment_score":0.22172850867112479,"channel":0,"num_words":33,"start":2638.49,"end":2649.335},{"sentences":[{"text":"Mhmm.","start":2649.0752,"end":2649.5752,"sentiment":"neutral","sentiment_score":0.11659298092126846}],"sentiment":"neutral","sentiment_score":0.11659298092126846,"channel":1,"num_words":1,"start":2649.0752,"end":2649.5752},{"sentences":[{"text":"move the money from super fund to super fund to get little tax uplift and to, you know, increase the tax free 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accountant.","start":3000.115,"end":3008.7751,"sentiment":"neutral","sentiment_score":-0.2859145359232508},{"text":"But I should probably I mean, all the tax changes, I have no idea which way you go now with trust and whatnot.","start":3011.395,"end":3017.1602,"sentiment":"neutral","sentiment_score":-0.2131564652790194}],"sentiment":"neutral","sentiment_score":-0.25373308159984076,"channel":1,"num_words":52,"start":3000.115,"end":3017.1602},{"sentences":[{"text":"Yeah.","start":3018.5452,"end":3019.0452,"sentiment":"neutral","sentiment_score":-0.11301717907190324}],"sentiment":"neutral","sentiment_score":-0.11301717907190324,"channel":0,"num_words":1,"start":3018.5452,"end":3019.0452},{"sentences":[{"text":"That's the step I don't have.","start":3019.1401,"end":3020.6602,"sentiment":"neutral","sentiment_score":-0.17869232843319574},{"text":"So, yes, say there's $700,000.","start":3020.6602,"end":3023.4602,"sentiment":"neutral","sentiment_score":-0.0860744446516037},{"text":"I don't physically know where that's actually going if they're still children.","start":3023.4602,"end":3026.9202,"sentiment":"neutral","sentiment_score":-0.18406430135170618}],"sentiment":"neutral","sentiment_score":-0.1613607743512029,"channel":1,"num_words":23,"start":3019.1401,"end":3026.9202},{"sentences":[{"text":"Yeah.","start":3028.65,"end":3029.15,"sentiment":"neutral","sentiment_score":-0.0428958386182785}],"sentiment":"neutral","sentiment_score":-0.0428958386182785,"channel":0,"num_words":1,"start":3028.65,"end":3029.15},{"sentences":[{"text":"But I don't have that step that you just talked about where it goes into a trust.","start":3029.435,"end":3033.275,"sentiment":"neutral","sentiment_score":-0.10559052360408447},{"text":"I just have my parents as the executive to my will, but there's no dictation on where those funds technically 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distributed?","start":3049.64,"end":3055.5798,"sentiment":"neutral","sentiment_score":0.07458997537430964},{"text":"Does it go into a trust and be held in a trust to be distributed to your kids at a certain time, at a certain age?","start":3055.7998,"end":3062.94,"sentiment":"neutral","sentiment_score":0.06085198257978146},{"text":"Is it distributed to, you know, your sister or your parents to, you know, look after your children?","start":3063.215,"end":3068.195,"sentiment":"neutral","sentiment_score":0.05929029112060865},{"text":"That kind of direction is really important because that governs exactly how that money is to be distributed to your children and at what age and at what portion, 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life","start":3455.165,"end":3456.605,"sentiment":"neutral","sentiment_score":-0.060163131604592}],"sentiment":"neutral","sentiment_score":-0.01793674270932873,"channel":0,"num_words":18,"start":3449.86,"end":3456.605},{"sentences":[{"text":"Yep.","start":3456.575,"end":3457.075,"sentiment":"neutral","sentiment_score":0.008900327607989311}],"sentiment":"neutral","sentiment_score":0.008900327607989311,"channel":1,"num_words":1,"start":3456.575,"end":3457.075},{"sentences":[{"text":"and pay today to 1,000,000.","start":3456.605,"end":3457.805,"sentiment":"neutral","sentiment_score":0.01809644028544426},{"text":"You're happy with this cover amount we have at the moment, aren't you?","start":3457.805,"end":3461.265,"sentiment":"neutral","sentiment_score":0.030029050934200104}],"sentiment":"neutral","sentiment_score":0.02671443686510126,"channel":0,"num_words":18,"start":3456.605,"end":3461.265},{"sentences":[{"text":"Yeah.","start":3460.9749,"end":3461.375,"sentiment":"neutral","sentiment_score":0.03683306276798248},{"text":"That's 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sort of see what it increases by.","start":3471.24,"end":3477.9001,"sentiment":"neutral","sentiment_score":0.08546584423991942}],"sentiment":"neutral","sentiment_score":0.11437814245716883,"channel":0,"num_words":52,"start":3462.685,"end":3477.9001},{"sentences":[{"text":"Mhmm.","start":3478.7551,"end":3479.2551,"sentiment":"neutral","sentiment_score":-0.002579173538833857}],"sentiment":"neutral","sentiment_score":-0.002579173538833857,"channel":1,"num_words":1,"start":3478.7551,"end":3479.2551},{"sentences":[{"text":"Because the income protection is paid inside super, that's obviously effect has an effect on the projected outcome.","start":3479.24,"end":3486.335,"sentiment":"neutral","sentiment_score":-0.017987212787071865},{"text":"So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy.","start":3486.715,"end":3494.575,"sentiment":"neutral","sentiment_score":0.016082351356744767},{"text":"So you can kinda see the difference between the projected outcome with both.","start":3494.795,"end":3498.54,"sentiment":"neutral","sentiment_score":0.047576022549317434},{"text":"Is that alright?","start":3498.54,"end":3499.26,"sentiment":"neutral","sentiment_score":0.06400412321090698},{"text":"Does","start":3499.26,"end":3499.4202,"sentiment":"neutral","sentiment_score":0.04953379184007645}],"sentiment":"neutral","sentiment_score":0.01563872347275416,"channel":0,"num_words":60,"start":3479.24,"end":3499.4202},{"sentences":[{"text":"Yep.","start":3499.4001,"end":3499.9001,"sentiment":"neutral","sentiment_score":0.09190332889556883}],"sentiment":"neutral","sentiment_score":0.09190332889556883,"channel":1,"num_words":1,"start":3499.4001,"end":3499.9001},{"sentences":[{"text":"that sound 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recommending, how this meets your goal, but then in the appendices, the additional research there.","start":3502.54,"end":3510.565,"sentiment":"neutral","sentiment_score":0.2737278240919113},{"text":"So, you know, what it looks like if you don't take the income protection, you know, how that's projected forward over the next five to ten years, the trauma policy by itself.","start":3510.565,"end":3519.2852,"sentiment":"neutral","sentiment_score":0.001962642330909148},{"text":"So you can kinda weigh up the cost and work out what's better for 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discrepancy if the guardian didn't spend the money correctly or use it or give it to the children or invest it for them.","start":3660.685,"end":3668.225,"sentiment":"neutral","sentiment_score":-0.23645454538719995}],"sentiment":"neutral","sentiment_score":-0.23645454538719995,"channel":0,"num_words":28,"start":3660.685,"end":3668.225},{"sentences":[{"text":"Yep.","start":3668.9,"end":3669.4,"sentiment":"neutral","sentiment_score":-0.014214294962584972}],"sentiment":"neutral","sentiment_score":-0.014214294962584972,"channel":1,"num_words":1,"start":3668.9,"end":3669.4},{"sentences":[{"text":"You know, that that can happen and does happen quite a lot.","start":3668.98,"end":3672.52,"sentiment":"neutral","sentiment_score":-0.008766216536362966},{"text":"You know, money families always work really well until there's money involved, and then we sort of see lots of things coming out and happening.","start":3673.1401,"end":3681.4001,"sentiment":"neutral","sentiment_score":0.01611978653818369},{"text":"So it's always good to protect","start":3681.4602,"end":3683.06,"sentiment":"neutral","sentiment_score":0.14137975250681242}],"sentiment":"neutral","sentiment_score":0.026652990233932815,"channel":0,"num_words":43,"start":3668.98,"end":3683.06},{"sentences":[{"text":"Yes.","start":3682.9548,"end":3683.4548,"sentiment":"neutral","sentiment_score":0.12271334230899812}],"sentiment":"neutral","sentiment_score":0.12271334230899812,"channel":1,"num_words":1,"start":3682.9548,"end":3683.4548},{"sentences":[{"text":"everyone.","start":3683.06,"end":3683.56,"sentiment":"neutral","sentiment_score":0.0976080596446991},{"text":"Yeah.","start":3684.875,"end":3685.375,"sentiment":"neutral","sentiment_score":0.22016051411628723},{"text":"Easy.","start":3686.635,"end":3687.135,"sentiment":"neutral","sentiment_score":0.2704475522041321},{"text":"So I will update this advice for 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because","start":4211.5796,"end":4212.955,"sentiment":"neutral","sentiment_score":-0.013530650176107883}],"sentiment":"neutral","sentiment_score":-0.01767724553315804,"channel":1,"num_words":29,"start":4205.26,"end":4212.955},{"sentences":[{"text":"Yes.","start":4212.74,"end":4213.24,"sentiment":"neutral","sentiment_score":-0.01162048801779747}],"sentiment":"neutral","sentiment_score":-0.01162048801779747,"channel":0,"num_words":1,"start":4212.74,"end":4213.24},{"sentences":[{"text":"I would like to either buy investment property or debt recycle and potentially put into shares.","start":4212.955,"end":4218.955,"sentiment":"neutral","sentiment_score":-0.016830030363053083},{"text":"However, given the just the change with the government, neither of","start":4218.955,"end":4223.6753,"sentiment":"neutral","sentiment_score":-0.17166447978128085}],"sentiment":"neutral","sentiment_score":-0.07991073197788662,"channel":1,"num_words":27,"start":4212.955,"end":4223.6753},{"sentences":[{"text":"Yes.","start":4223.6353,"end":4224.1353,"sentiment":"neutral","sentiment_score":-0.07139597088098526}],"sentiment":"neutral","sentiment_score":-0.07139597088098526,"channel":0,"num_words":1,"start":4223.6353,"end":4224.1353},{"sentences":[{"text":"them look appealing to me to make 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it.","start":4227.64,"end":4235.16,"sentiment":"neutral","sentiment_score":0.11943461777021487},{"text":"And","start":4235.16,"end":4235.66,"sentiment":"neutral","sentiment_score":0.2086540311574936}],"sentiment":"neutral","sentiment_score":0.12300339430570602,"channel":1,"num_words":25,"start":4227.64,"end":4235.66},{"sentences":[{"text":"Yep.","start":4236.13,"end":4236.63,"sentiment":"neutral","sentiment_score":0.2278017699718475}],"sentiment":"neutral","sentiment_score":0.2278017699718475,"channel":0,"num_words":1,"start":4236.13,"end":4236.63},{"sentences":[{"text":"because I I just seem to have a lot of surplus in my principal, the property that I live in,","start":4236.84,"end":4244.6353,"sentiment":"neutral","sentiment_score":0.28042810708284377}],"sentiment":"neutral","sentiment_score":0.28042810708284377,"channel":1,"num_words":20,"start":4236.84,"end":4244.6353},{"sentences":[{"text":"Yes.","start":4244.5947,"end":4244.995,"sentiment":"positive","sentiment_score":0.4409797191619873},{"text":"Yep.","start":4244.995,"end":4245.495,"sentiment":"positive","sentiment_score":0.4828277826309204}],"sentiment":"positive","sentiment_score":0.46190375089645386,"channel":0,"num_words":2,"start":4244.5947,"end":4245.495},{"sentences":[{"text":"and how I could utilize that now for long 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it.","start":4255.41,"end":4256.69,"sentiment":"neutral","sentiment_score":0.30246002078056333}],"sentiment":"neutral","sentiment_score":0.32541633314556545,"channel":0,"num_words":18,"start":4249.875,"end":4256.69},{"sentences":[{"text":"It is a very complex strategy to take on.","start":4256.69,"end":4259.27,"sentiment":"neutral","sentiment_score":0.14103837394052082},{"text":"It is technically a form of gearing because you are using money that you have borrowed to invest.","start":4259.89,"end":4265.43,"sentiment":"neutral","sentiment_score":0.10384577264388402}],"sentiment":"neutral","sentiment_score":0.11624330640942962,"channel":0,"num_words":27,"start":4256.69,"end":4265.43},{"sentences":[{"text":"Yep.","start":4266.73,"end":4267.23,"sentiment":"neutral","sentiment_score":0.09869690984487534}],"sentiment":"neutral","sentiment_score":0.09869690984487534,"channel":1,"num_words":1,"start":4266.73,"end":4267.23},{"sentences":[{"text":"Have you looked at how the sort of strategy works?","start":4266.795,"end":4269.995,"sentiment":"neutral","sentiment_score":0.07361924536526203},{"text":"Do you understand much about it and how it actually works?","start":4269.995,"end":4273.435,"sentiment":"neutral","sentiment_score":0.08359153128483078},{"text":"Just to find out.","start":4273.435,"end":4274.735,"sentiment":"neutral","sentiment_score":0.04806351661682129}],"sentiment":"neutral","sentiment_score":0.07391813457012177,"channel":0,"num_words":25,"start":4266.795,"end":4274.735},{"sentences":[{"text":"Yeah.","start":4274.335,"end":4274.735,"sentiment":"neutral","sentiment_score":0.054171208292245865},{"text":"So if I'm not wrong well, I mean, I probably don't have the, you know, technical sides right.","start":4274.735,"end":4280.0947,"sentiment":"neutral","sentiment_score":-0.0028832783508631918},{"text":"But, yes, I 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shares.","start":4299.98,"end":4301.6797,"sentiment":"neutral","sentiment_score":0.1344011276960373},{"text":"So, therefore, that component of the loan, that's where you can benefit on the interest.","start":4302.795,"end":4308.235,"sentiment":"neutral","sentiment_score":0.22057391504446666},{"text":"Is that right?","start":4308.235,"end":4309.135,"sentiment":"neutral","sentiment_score":0.1333755006392797}],"sentiment":"neutral","sentiment_score":0.19580660050823576,"channel":1,"num_words":21,"start":4299.98,"end":4309.135},{"sentences":[{"text":"Yep.","start":4309.15,"end":4309.65,"sentiment":"neutral","sentiment_score":0.05178164690732956},{"text":"That's","start":4310.11,"end":4310.51,"sentiment":"neutral","sentiment_score":0.03493867814540863}],"sentiment":"neutral","sentiment_score":0.043360162526369095,"channel":0,"num_words":2,"start":4309.15,"end":4310.51},{"sentences":[{"text":"At","start":4310.475,"end":4310.715,"sentiment":"neutral","sentiment_score":0.011956101283431051}],"sentiment":"neutral","sentiment_score":0.011956101283431051,"channel":1,"num_words":1,"start":4310.475,"end":4310.715},{"sentences":[{"text":"right.","start":4310.51,"end":4310.75,"sentiment":"neutral","sentiment_score":0.009721511043608189}],"sentiment":"neutral","sentiment_score":0.009721511043608189,"channel":0,"num_words":1,"start":4310.51,"end":4310.75},{"sentences":[{"text":"tax","start":4310.715,"end":4311.035,"sentiment":"neutral","sentiment_score":0.029148194938898087}],"sentiment":"neutral","sentiment_score":0.029148194938898087,"channel":1,"num_words":1,"start":4310.715,"end":4311.035},{"sentences":[{"text":"Yeah.","start":4310.75,"end":4311.15,"sentiment":"neutral","sentiment_score":0.005977574735879898}],"sentiment":"neutral","sentiment_score":0.005977574735879898,"channel":0,"num_words":1,"start":4310.75,"end":4311.15},{"sentences":[{"text":"time?","start":4311.035,"end":4311.535,"sentiment":"neutral","sentiment_score":0.008551294915378094}],"sentiment":"neutral","sentiment_score":0.008551294915378094,"channel":1,"num_words":1,"start":4311.035,"end":4311.535},{"sentences":[{"text":"So with the","start":4311.15,"end":4312.13,"sentiment":"neutral","sentiment_score":0.03871887425581614}],"sentiment":"neutral","sentiment_score":0.03871887425581614,"channel":0,"num_words":3,"start":4311.15,"end":4312.13},{"sentences":[{"text":"Yes.","start":4311.755,"end":4312.255,"sentiment":"neutral","sentiment_score":0.0734136551618576}],"sentiment":"neutral","sentiment_score":0.0734136551618576,"channel":1,"num_words":1,"start":4311.755,"end":4312.255},{"sentences":[{"text":"yeah.","start":4312.51,"end":4312.91,"sentiment":"neutral","sentiment_score":0.06986743211746216},{"text":"So there's one of two ways of doing it to start with is that you can utilize and borrow more against equity.","start":4312.91,"end":4318.9653,"sentiment":"neutral","sentiment_score":0.10534137521277774},{"text":"So you release some of the equity in your property.","start":4318.9653,"end":4321.225,"sentiment":"neutral","sentiment_score":0.0725863043218851},{"text":"Say, they normally like between sort of 50 to a 100,000 to start because you get much better tax advantages that way,","start":4321.285,"end":4328.665,"sentiment":"neutral","sentiment_score":0.11355735920369625}],"sentiment":"neutral","sentiment_score":0.1020273205908862,"channel":0,"num_words":55,"start":4312.51,"end":4328.665},{"sentences":[{"text":"Mhmm.","start":4329.4,"end":4329.9,"sentiment":"neutral","sentiment_score":0.05678395554423332}],"sentiment":"neutral","sentiment_score":0.05678395554423332,"channel":1,"num_words":1,"start":4329.4,"end":4329.9},{"sentences":[{"text":"or you can be paying down more onto your loan.","start":4329.845,"end":4332.9,"sentiment":"neutral","sentiment_score":0.03765223510563374},{"text":"That either the equity release or if you pay more onto the loan, you need to split that off from your main loan.","start":4333.6997,"end":4339.78,"sentiment":"neutral","sentiment_score":0.017433280125260353},{"text":"So you end up with a secondary 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what you've just mentioned, you can advise on, and then you can","start":5093.2803,"end":5097.14,"sentiment":"neutral","sentiment_score":0.04634942760070165}],"sentiment":"neutral","sentiment_score":0.04634942760070165,"channel":1,"num_words":15,"start":5093.2803,"end":5097.14},{"sentences":[{"text":"Yeah.","start":5097.025,"end":5097.525,"sentiment":"neutral","sentiment_score":0.04418904334306717}],"sentiment":"neutral","sentiment_score":0.04418904334306717,"channel":0,"num_words":1,"start":5097.025,"end":5097.525},{"sentences":[{"text":"pop the fees in there 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next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that.","start":5158.56,"end":5169.3003,"sentiment":"neutral","sentiment_score":0.13190060011332944},{"text":"But as I just wanna kind of because everything's kinda changing at the moment, I just wanted to make sure that I'm open and letting you know, you know, things are changing.","start":5169.915,"end":5177.755,"sentiment":"neutral","sentiment_score":0.07991726568434387},{"text":"Things things are happening, but this is what you're up for now.","start":5177.755,"end":5180.715,"sentiment":"neutral","sentiment_score":0.13723461516201496}],"sentiment":"neutral","sentiment_score":0.09549135113494438,"channel":0,"num_words":114,"start":5150.455,"end":5180.715},{"sentences":[{"text":"And it's reviewable, and you're never locked into a contract 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it in the back end, and I'll have a look at what the 200 looks like for you.","start":5344.025,"end":5348.365,"sentiment":"neutral","sentiment_score":0.2606527571167265},{"text":"If we need to maybe look at increasing that, I'll recommend it and show you how and why the advantages disadvantages of this involved, and then you get to take that away and decide whether you're happy with that or not.","start":5348.69,"end":5360.15,"sentiment":"neutral","sentiment_score":0.1223067119490446}],"sentiment":"neutral","sentiment_score":0.14246481097264527,"channel":0,"num_words":96,"start":5332.4097,"end":5360.15},{"sentences":[{"text":"All of my advice documents do also have yes.","start":5360.945,"end":5363.905,"sentiment":"neutral","sentiment_score":0.12061828871568044},{"text":"Sorry.","start":5363.905,"end":5364.2246,"sentiment":"neutral","sentiment_score":-0.03685247153043747},{"text":"You're 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at what your income is then?","start":5695.275,"end":5701.755,"sentiment":"neutral","sentiment_score":0.1585151930489848},{"text":"What would you like to do with that?","start":5701.755,"end":5703.775,"sentiment":"neutral","sentiment_score":0.08721621707081795}],"sentiment":"neutral","sentiment_score":0.22030650644942565,"channel":0,"num_words":54,"start":5690.715,"end":5703.775},{"sentences":[{"text":"Yeah.","start":5704.195,"end":5704.595,"sentiment":"neutral","sentiment_score":0.12177091091871262},{"text":"Probably I mean, you can make a note on it that we're gonna look at 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it, then I can see I'll know where my income's at and how many bonuses and","start":5713.6353,"end":5719.4204,"sentiment":"neutral","sentiment_score":0.18155582509934903}],"sentiment":"neutral","sentiment_score":0.18155582509934903,"channel":1,"num_words":20,"start":5713.6353,"end":5719.4204},{"sentences":[{"text":"Yep.","start":5719.185,"end":5719.685,"sentiment":"neutral","sentiment_score":0.14284133911132812}],"sentiment":"neutral","sentiment_score":0.14284133911132812,"channel":0,"num_words":1,"start":5719.185,"end":5719.685},{"sentences":[{"text":"whatnot by 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ups and make sure that you're all looked after with me.","start":5774.095,"end":5780.495,"sentiment":"neutral","sentiment_score":0.1649711987486592},{"text":"So we're we're","start":5780.495,"end":5781.6953,"sentiment":"neutral","sentiment_score":0.06458497544129689}],"sentiment":"neutral","sentiment_score":0.12967007697965854,"channel":0,"num_words":78,"start":5761.42,"end":5781.6953},{"sentences":[{"text":"Yeah.","start":5781.37,"end":5781.61,"sentiment":"neutral","sentiment_score":0.12984389066696167},{"text":"Perfect.","start":5781.61,"end":5782.11,"sentiment":"positive","sentiment_score":0.48939287662506104}],"sentiment":"neutral","sentiment_score":0.30961838364601135,"channel":1,"num_words":2,"start":5781.37,"end":5782.11},{"sentences":[{"text":"striving to do better this year, and I really hope I do.","start":5781.6953,"end":5784.815,"sentiment":"positive","sentiment_score":0.4193778360883395},{"text":"If I start to fall short, please let me 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shortly.","start":5815.65,"end":5817.19,"sentiment":"positive","sentiment_score":0.34025588631629944},{"text":"You put your annual review doc there as well.","start":5817.41,"end":5819.25,"sentiment":"neutral","sentiment_score":0.24709347387154898},{"text":"Feel free to go through those ones.","start":5819.25,"end":5820.53,"sentiment":"neutral","sentiment_score":0.2469242364168167}],"sentiment":"neutral","sentiment_score":0.27109373041561674,"channel":0,"num_words":28,"start":5813.635,"end":5820.53},{"sentences":[{"text":"If you're happy 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you.","start":5827.25,"end":5829.4897,"sentiment":"positive","sentiment_score":0.3984389106432597},{"text":"Okay?","start":5829.4897,"end":5829.9897,"sentiment":"neutral","sentiment_score":0.21615639328956604}],"sentiment":"neutral","sentiment_score":0.30087295671304065,"channel":0,"num_words":30,"start":5821.25,"end":5829.9897},{"sentences":[{"text":"Perfect.","start":5830.11,"end":5830.5903,"sentiment":"positive","sentiment_score":0.8110404014587402},{"text":"Sounds good.","start":5830.5903,"end":5831.41,"sentiment":"positive","sentiment_score":0.8476240932941437},{"text":"Thank you so much.","start":5831.47,"end":5832.519,"sentiment":"positive","sentiment_score":0.8704947084188461}],"sentiment":"positive","sentiment_score":0.8554667745317731,"channel":1,"num_words":7,"start":5830.11,"end":5832.519},{"sentences":[{"text":"Thanks so much, Bianca.","start":5832.435,"end":5833.815,"sentiment":"positive","sentiment_score":0.8465239256620407},{"text":"My pleasure.","start":5833.955,"end":5834.595,"sentiment":"positive","sentiment_score":0.8781822323799133},{"text":"You have a lovely afternoon.","start":5834.595,"end":5836.055,"sentiment":"positive","sentiment_score":0.8425921082496644}],"sentiment":"positive","sentiment_score":0.8504927916960283,"channel":0,"num_words":11,"start":5832.435,"end":5836.055},{"sentences":[{"text":"You too.","start":5837.079,"end":5837.819,"sentiment":"positive","sentiment_score":0.5868528187274933},{"text":"See you later.","start":5837.879,"end":5838.619,"sentiment":"positive","sentiment_score":0.4936375518639882},{"text":"Bye.","start":5838.999,"end":5839.499,"sentiment":"neutral","sentiment_score":0.2927270829677582}],"sentiment":"positive","sentiment_score":0.4912242293357849,"channel":1,"num_words":6,"start":5837.079,"end":5839.499},{"sentences":[{"text":"Thanks.","start":5839.1553,"end":5839.6353,"sentiment":"positive","sentiment_score":0.5861589908599854},{"text":"See you later.","start":5839.6353,"end":5840.355,"sentiment":"positive","sentiment_score":0.3847608764966329},{"text":"Bye.","start":5840.355,"end":5840.855,"sentiment":"neutral","sentiment_score":-0.11296091973781586}],"sentiment":"neutral","sentiment_score":0.3254961401224136,"channel":0,"num_words":5,"start":5839.1553,"end":5840.855}]},"summary":{"result":"success","short":"Becoming's representative reassures customers that their investment portfolio is expected to grow and that their investment strategy is important. The speakers emphasize the importance of protecting beneficiaries and setting a deadline for the team to prepare everything for the customer. The process of setting up a legal personal representative and finding a property is discussed, as well as the benefits of debt recycling and finding a property. conservative projections and managing retirement savings are emphasized, along with the implementation fee for debt recycling and the possibility of a carry forward contribution."},"intents":{"segments":[{"text":"just wanted to sort of take some time to have a chat to you about your concerns, what you're after, what you're looking for, and sort of see what we can do moving forward to help you out Mhmm.","start_word":335,"end_word":373,"intents":[{"intent":"Address concerns","confidence_score":0.035173543}]},{"text":"on, it was a cold call from a gentleman who called and said, you know, we're analyzing super funds and blah blah blah. 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But then, I guess, to me, I'm like, Yep. what's the return on investment for that fee if all it is is three trades every six months?","start_word":1020,"end_word":1074,"intents":[{"intent":"Understand investment return","confidence_score":0.22721493}]},{"text":"lot of decisions made by senior management that, hey, I didn't agree with that I know have affected clients. And this Yep.","start_word":1183,"end_word":1204,"intents":[{"intent":"Understand management decisions","confidence_score":0.00050462375}]},{"text":"last six months between January to now is essentially where I've been trying to clean things up a little bit and try to get my book under control. Mhmm.","start_word":1205,"end_word":1233,"intents":[{"intent":"Clean up book","confidence_score":0.4812752}]},{"text":"Tarek moved on elsewhere and I need to step up and take on a few more extra clients to help out, we've since then got a few additional advisers on, which is great. The book is looked after.","start_word":1343,"end_word":1380,"intents":[{"intent":"Take on extra advisers","confidence_score":0.052145325}]},{"text":"That basically tells them how much they need to invest in those funds that we've put you in, basically. So your portfolio, Yep.","start_word":1625,"end_word":1647,"intents":[{"intent":"Define clients and investments","confidence_score":0.000021377651}]},{"text":"So our job with your investment portfolio is to be monitoring it, looking at it every couple of months, giving you an update on what's happening with it, looking at whether the performance is over or underperforming for the year, and then updating your portfolio as we need to as well because certain investments, say, back in 2021 or 2024 might have been performing really, really well, but then now they might not be performing as well.","start_word":1850,"end_word":1926,"intents":[{"intent":"Monitor portfolio","confidence_score":0.37416926}]},{"text":"Then we update the advice Yes. and make alterations to your portfolio moving forward.","start_word":1927,"end_word":1940,"intents":[{"intent":"Update advice","confidence_score":0.6687275}]},{"text":"And so that's certainly tracking towards the goal and making smaller changes on a regular basis and monitoring that long term to get those changes to where you to where you wanna be, essentially, to make your super work as hard as possible and making changes as we need to in the in the shorter term.","start_word":1941,"end_word":1996,"intents":[{"intent":"Track goals","confidence_score":0.5185077}]},{"text":"The ongoing service fee within that is 1.65% per annum. So then that is deducted in full monthly increments.","start_word":2106,"end_word":2124,"intents":[{"intent":"Deduct fee","confidence_score":0.17621358}]},{"text":"And the idea about percentage based fee that way is that it fluctuates with the market. So, you know, whilst you might probably expect to just pay, you know, 2 or $3,000 for the year, it's deducted in smaller increments, and it goes up and down with the market.","start_word":2125,"end_word":2173,"intents":[{"intent":"Compare prices","confidence_score":0.0007520797}]},{"text":"I'm not sure why they've been less this last twelve months than they had in the past, though. I will look into that because they do run those trades every month. Around about the twentieth of every month, Hub twenty four run their whole cash account. They, you know, reinvest and buy Yep. and sell in the background as per our direction.","start_word":2294,"end_word":2355,"intents":[{"intent":"Analyze market trends","confidence_score":0.22085676}]},{"text":"So, yeah, look, that is essentially super. And as I've said, I'm not going to, you know, sugarcoat any way, shape, or form. We've let you down over the last twelve months, and I a 100% get that. I do wanna try and make sure we do better.","start_word":2662,"end_word":2709,"intents":[{"intent":"Evaluate market situation","confidence_score":0.0000023977327}]},{"text":"I would personally love to see you stay on for another year and do everything I can to help you working forward Okay. towards your goals and doing better on behalf of AC Financial, but Yes. at the same time, it's it's gotta be your decision. You've gotta be comfortable with where your money is and where your your super is. This is your retirement.","start_word":2916,"end_word":2980,"intents":[{"intent":"Clarify purpose","confidence_score":0.039010786}]},{"text":"towards your goals and doing better on behalf of AC Financial, but Yes.","start_word":2938,"end_word":2950,"intents":[{"intent":"Work towards goals","confidence_score":0.060749665}]},{"text":"I'm so was so sorry that that advice took so long to do last year. It was not preferred in any way, shape, or form, and I was very disappointed in us for that task. And I was, you know, making sure that that was done in January for you so you didn't have to wait any longer, and Yeah.","start_word":3048,"end_word":3107,"intents":[{"intent":"Apologize for delay","confidence_score":0.37351438},{"intent":"Explain situation","confidence_score":0.010210136}]},{"text":"You can actually keep your Yeah. insurance.","start_word":3238,"end_word":3244,"intents":[{"intent":"Keep money","confidence_score":0.0003873412}]},{"text":"insurance. No.","start_word":3244,"end_word":3245,"intents":[{"intent":"Inquire about insurance","confidence_score":0.00038668103}]},{"text":"So Hub twenty four, is that a fund I can only have if I'm under a financial adviser? No.","start_word":3264,"end_word":3282,"intents":[{"intent":"Request clarification on funds","confidence_score":0.0000014280387}]},{"text":"The only sort of main difference is in order to transact on the fund, we do we can do that.","start_word":3304,"end_word":3323,"intents":[{"intent":"Transact on the fund","confidence_score":0.0047524124}]},{"text":"So when and if we provide advice and, like, I've had a look at everything. I think there's advice we could definitely provide now for you to update things if you want to go through that. Yep.","start_word":3324,"end_word":3360,"intents":[{"intent":"Provide advice","confidence_score":0.81011957}]},{"text":"you were to remove the adviser from the platform, you can keep it exactly as it is. The difference is in order to transact on that or buy and sell or alter your investments, you would have to call them and get them to place Okay. those trades for you. Yes.","start_word":3468,"end_word":3518,"intents":[{"intent":"Transfer to administration team","confidence_score":0.001902391}]},{"text":"But you don't it's not an adviser only platform. It is a platform Yep. that you can retain if you decide that you're comfortable with doing that.","start_word":3519,"end_word":3545,"intents":[{"intent":"Use platform","confidence_score":0.014418724}]},{"text":"And, yeah, as as I said, we can always you know, if another adviser comes in, they can add an authority onto it, and then there can be a a change of adviser form signed to all that as well.","start_word":3546,"end_word":3585,"intents":[{"intent":"Create a governing authority","confidence_score":0.000032761975}]},{"text":"the transaction side that you would have to call the admin team at Hub twenty four and get them to do and place trades for you. They get verbal approval to organize all of that, but it can definitely be done. Yeah.","start_word":3619,"end_word":3660,"intents":[{"intent":"Place trades","confidence_score":0.13231476}]},{"text":"So just double checking with your balance last year, we were at a 140,902 and 28<unk>. Balance Mhmm.","start_word":3897,"end_word":3914,"intents":[{"intent":"Check balance and summary","confidence_score":0.00000833622}]},{"text":"What I actually Growth what? contributed versus the difference. Yeah. Yeah.","start_word":3992,"end_word":4002,"intents":[{"intent":"Determine contribution and difference","confidence_score":0.18404993}]},{"text":"So if you have a look at the hub twenty four performance with internal rate of return report, this is showing you Yep. the growth.","start_word":4006,"end_word":4030,"intents":[{"intent":"Review portfolio performance","confidence_score":0.013955689}]},{"text":"underlying investments, Corporate Traveler, actually came out to the market and had been a bit dishonest, which meant that Bennelong had to reevaluate that investment.","start_word":4486,"end_word":4510,"intents":[{"intent":"Evaluate investor portfolio","confidence_score":0.00081343943}]},{"text":"So, realistically, if I'm gonna be making some changes to your portfolio now, removing some of the investors, we are best to maybe remove that as well rather than hold on to the bank hybrid. And then in 2028, we have to move them quickly and find something else a bit faster for you. Okay? Yep.","start_word":5219,"end_word":5274,"intents":[{"intent":"Reduce assets and etfs","confidence_score":1.6791408e-7}]},{"text":"And then in 2028, we have to move them quickly and find something else a bit faster for you. Okay? Yep.","start_word":5254,"end_word":5274,"intents":[{"intent":"Move funds into other investments","confidence_score":0.008936288}]},{"text":"example, by moving Van Along, which currently has about 15 to 25 different investment options within that fund, I would be looking to try and build greater diversification for you.","start_word":5552,"end_word":5581,"intents":[{"intent":"Incorporate diversification","confidence_score":0.00064131955}]},{"text":"We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future.","start_word":5835,"end_word":5864,"intents":[{"intent":"Diversify portfolios","confidence_score":0.31371796}]},{"text":"When we are looking at those, we factor in cost.","start_word":5968,"end_word":5977,"intents":[{"intent":"Calculate cost","confidence_score":0.024311643}]},{"text":"We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money.","start_word":6057,"end_word":6082,"intents":[{"intent":"Explain investment costs","confidence_score":0.0073650395}]},{"text":"I've been trying to build portfolios at a much lower costing to save on investment fees. And then you've got administration fees as well, which is the platform fees for Hub 24 Yep. and their administration of that platform.","start_word":6083,"end_word":6121,"intents":[{"intent":"Discuss investment fees","confidence_score":0.0016755403}]},{"text":"So, realistically, just off the top of my head, I would be looking to replace about four of those investments, Mhmm.","start_word":6473,"end_word":6493,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.0069877245}]},{"text":"Essentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances.","start_word":6629,"end_word":6656,"intents":[{"intent":"Provide advice document","confidence_score":0.021396454}]},{"text":"We'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be. Does that sound okay?","start_word":6657,"end_word":6715,"intents":[{"intent":"Discuss super funds","confidence_score":0.28333578}]},{"text":"I more probably do need to I know I left for the statement of advice as well, and it's me. expired now, but Yeah.","start_word":6771,"end_word":6794,"intents":[{"intent":"Understand statement of advice","confidence_score":0.0067843096}]},{"text":"There was also that trauma policy for a hundred and twenty thousand of trauma, and we'd also link that to a bit of life cover held outside of the state for for the difference in benefits and to make it cheaper as well. Do you remember that That recommendation?","start_word":6896,"end_word":6944,"intents":[{"intent":"Link trauma policy","confidence_score":0.054626886},{"intent":"Consider cost savings","confidence_score":0.0003897039}]},{"text":"it's for, like, reset. So if you were to have a different trauma is Yes.","start_word":7013,"end_word":7027,"intents":[{"intent":"Reset trauma policy","confidence_score":0.25232938}]},{"text":"So the more reinstatements we apply to those they allow, the more that part of the policy or the more that option does cost.","start_word":7228,"end_word":7251,"intents":[{"intent":"Apply for reinstatement","confidence_score":0.042464104}]},{"text":"able to utilize it to the best of your advantage, as sad as that sounds when it comes to insurances.","start_word":7301,"end_word":7320,"intents":[{"intent":"Use insurance plan","confidence_score":0.00055738277}]},{"text":"But, you know, trying to take the most get the most out of your cover is really important because the biggest risk we have with insurances is that we pay all this money for premiums, and then we get to 60 or 65, and they're canceled or they expire, and we've never claimed on them.","start_word":7322,"end_word":7376,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.26983887}]},{"text":"The only thing to point out is my income's moved to a 165,000. Okay. Beautiful.","start_word":8085,"end_word":8099,"intents":[{"intent":"Analyze income and insurance","confidence_score":0.0045446525}]},{"text":"So that obviously affects the insurance as well. Yeah. Yep.","start_word":8100,"end_word":8109,"intents":[{"intent":"Convey tbd's impact on insurance","confidence_score":0.0000048566417}]},{"text":"So life cover is if you pass away. Correct. Yeah. Yeah.","start_word":8198,"end_word":8208,"intents":[{"intent":"Discuss life insurance coverage","confidence_score":0.042086177}]},{"text":"Yeah, TBD is more if you're diagnosed with a major like a major disability and you're unable to ever go back to work again. The thing Okay.","start_word":8223,"end_word":8249,"intents":[{"intent":"Identify tbd","confidence_score":0.0018316796}]},{"text":"So if you were to claim CBD, we would provide advice on how to use the funds.","start_word":8443,"end_word":8459,"intents":[{"intent":"Provide advice on using funds","confidence_score":0.044646546}]},{"text":"We can also keep the money invested and draw out smaller increments or smaller lump sum, And there is this crazy math equation they do to work out the tax, so it could also be less than the 22%. We just have to go on the highest marginal tax rate for that side of things. But, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying. It's horrible.","start_word":8487,"end_word":8558,"intents":[{"intent":"Explain policy details","confidence_score":0.00011677554}]},{"text":"We just have to go on the highest marginal tax rate for that side of things. But, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying. It's horrible.","start_word":8526,"end_word":8558,"intents":[{"intent":"Clarify misconceptions about tax rates","confidence_score":0.0000030299102}]},{"text":"But your you said your mortgage is quite small at the moment. How much is your mortgage?","start_word":8572,"end_word":8588,"intents":[{"intent":"Analyze mortgage balance","confidence_score":0.0022877387}]},{"text":"Because I had $3.75 last time. I get really confused.","start_word":8589,"end_word":8598,"intents":[{"intent":"Explain income limitations","confidence_score":0.00010699943}]},{"text":"could go to your beneficiaries. Now have you Yes.","start_word":8958,"end_word":8966,"intents":[{"intent":"Determine benefits","confidence_score":0.00001275052}]},{"text":"So he's he's Yeah. the working so, yes, I have a father who, obviously, I'm divorced from, but my will Yeah. states that my parents become the controllers of said super and beneficiaries. So I don't know if that needs to Mhmm. be updated.","start_word":9153,"end_word":9196,"intents":[{"intent":"Inquire about will and custody of children","confidence_score":0.0005818828}]},{"text":"So I don't know if that needs to Mhmm. be updated.","start_word":9186,"end_word":9196,"intents":[{"intent":"Update wills","confidence_score":0.0050739865}]},{"text":"I I'm in a very similar situation. So I had two children to my first husband, and he Mhmm. couldn't keep a dollar if it was, I don't know, for anything. He was shuffled with money. When Yep.","start_word":9240,"end_word":9277,"intents":[{"intent":"Express dissatisfaction with son's will","confidence_score":0.00005079369}]},{"text":"So I had two children to my first husband, and he Mhmm. couldn't keep a dollar if it was, I don't know, for anything. He was shuffled with money. When Yep.","start_word":9247,"end_word":9277,"intents":[{"intent":"Discuss children's financial situation","confidence_score":0.0037746571}]},{"text":"He was shuffled with money. When Yep.","start_word":9271,"end_word":9277,"intents":[{"intent":"Discuss son's financial status","confidence_score":0.00940552}]},{"text":"that making sure that my children could stay as close together as possible whilst understanding the rules, but making sure my ex husband got no money whatsoever, making sure And that that's anything probably I had would be looked after. Yeah.","start_word":9394,"end_word":9434,"intents":[{"intent":"Ensure children are kept in trust","confidence_score":0.00061764487}]},{"text":"probably the bit I I haven't done that next level, and I don't know how that falls, whether it's I mean, my solicitor does the will, not an accountant.","start_word":9437,"end_word":9465,"intents":[{"intent":"Discuss future future contact with solicitor","confidence_score":0.00006872609}]},{"text":"But when it comes to the deceased estate side of things and the estate planning, I would always speak to a solicitor because they understand the estate law. They understand the legislation around that, and they can help you to structure your beneficiary nominations in the best way to incorporate what you need to do.","start_word":9832,"end_word":9886,"intents":[{"intent":"Speak to a solicitor","confidence_score":0.51599014},{"intent":"Make beneficiary nominations","confidence_score":0.0031534687}]},{"text":"And with the with the advice document if you want, what I'll do is I'll download this advice document that I sent in January. It has expired now, so I can always update the new one for you. Mhmm.","start_word":10043,"end_word":10081,"intents":[{"intent":"Get advice document","confidence_score":0.0017573398},{"intent":"Resend advice document","confidence_score":0.0348609}]},{"text":"The 120 of trauma and life outside is super? Is that because it's a one stop thing? So I'm thinking life outside of Subaru is probably overkill given I have the other life Yes. insurance.","start_word":10231,"end_word":10265,"intents":[{"intent":"Address insurance concerns","confidence_score":0.010524126}]},{"text":"If you like, I could make the the recommendation. These are just recommendations. I can show you the recommendations again as a whole advice page.","start_word":10604,"end_word":10628,"intents":[{"intent":"Make recommendations","confidence_score":0.80220497},{"intent":"Show recommendations","confidence_score":0.10262857}]},{"text":"look to recommend the life and trauma policy and show you the cost of that. And then in the appendices, just put the trauma policy stand alone so you can take the two options together and sort of make up your mind as to which one's better for you. Does that sound okay? Yeah.","start_word":10685,"end_word":10738,"intents":[{"intent":"Recommend life and trauma policy","confidence_score":0.1299591},{"intent":"Recommend life policy","confidence_score":0.012909698}]},{"text":"And with the income protection, you sort of said that you weren't too worried about the income protection side of things at the moment. Did you wanna kinda revisit that, or are you happy without it? Or No.","start_word":10746,"end_word":10783,"intents":[{"intent":"Discuss income protection","confidence_score":0.24278839},{"intent":"Add income protection","confidence_score":0.7999114}]},{"text":"I'll add the income protection into the recommendation and then just to sort of show you the difference. And then you've also you can all you can see on this to the occurrence of the cost of it currently, so you can sort of see what it increases by. Mhmm.","start_word":10854,"end_word":10903,"intents":[{"intent":"Show difference","confidence_score":0.3853657}]},{"text":"So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy.","start_word":10922,"end_word":10946,"intents":[{"intent":"Add projection","confidence_score":0.36873576}]},{"text":"state beneficiary details of my two kids that would change to the LPL.","start_word":11343,"end_word":11355,"intents":[{"intent":"Update beneficiary details","confidence_score":0.61632884},{"intent":"Provide information","confidence_score":0.026073402}]},{"text":"So I will update this advice for you. Now I do not want this to take any longer than it needs to. So I'm gonna book you in to have this presented in about three weeks. Are you okay with that? Yeah.","start_word":11528,"end_word":11569,"intents":[{"intent":"Update advice","confidence_score":0.39366046}]},{"text":"That way, you've got a bit of a deadline. As I said, I'm trying once you go and clean all of this up, I don't want things to take as long as they did last year. So I'm making sure that everyone has a little spot in there to be booked in so that there's a deadline for our team to have everything ready.","start_word":11574,"end_word":11637,"intents":[{"intent":"Provide deadline information","confidence_score":0.0012003483}]},{"text":"problem at I'm all. I'm in the office five days, but a Thursday actually Okay. works better because the boys stay their dead on a Thursday night. So means I don't have to rush the pickups. Okay.","start_word":11712,"end_word":11748,"intents":[{"intent":"Schedule appointment","confidence_score":0.08594521}]},{"text":"I just wanted to update a couple of additional things with regard to your back line.","start_word":12092,"end_word":12107,"intents":[{"intent":"Update back line","confidence_score":0.24280958}]},{"text":"Are you finding that you've got some dedicated savings every week out of your income that you are able to put away, or are you finding it's a bit harder expenditure wise? No.","start_word":12221,"end_word":12253,"intents":[{"intent":"Clarify savings strategy","confidence_score":0.0033370927}]},{"text":"No. I am. Yeah.","start_word":12253,"end_word":12256,"intents":[{"intent":"Rearrange spend","confidence_score":1.5264956e-7}]},{"text":"I've put away some money for investing, and I save $6.07 about $7.50 or fortnight.","start_word":12281,"end_word":12295,"intents":[{"intent":"Put money away","confidence_score":0.0052532144}]},{"text":"And then I've got your share portfolio here. That was about 32,000 in value last time. Has that increased a little bit since then? Yes.","start_word":12324,"end_word":12348,"intents":[{"intent":"Share portfolio","confidence_score":0.18773472}]},{"text":"I mean, I would I'm actually looking at swapping cards as in trading cards, but Yep.","start_word":12392,"end_word":12407,"intents":[{"intent":"Swap cards","confidence_score":0.21285632}]},{"text":"I just wanted to clarify that being no major changes in your health since we've last done a pre assessment with you. Just No.","start_word":12491,"end_word":12514,"intents":[{"intent":"Clarify coverage","confidence_score":0.0013482738}]},{"text":"The other one here and and I'm one of the things you told, Tammy, was that you were looking at maybe, you know, trying to look at other strategies like, sorry, debt recycling. Is that something you're Yes.","start_word":12924,"end_word":12961,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.14166313}]},{"text":"But I did mention to Samantha that I was interested in the concept of debt recycling and, I guess, getting some advice on it. And Yep.","start_word":13081,"end_word":13106,"intents":[{"intent":"Study debt recycling strategy","confidence_score":0.00057757774}]},{"text":"That way, it is used for investing purposes. With equity release, Yes. they do have a separate equity loan. That money is, again, withdrawn off the loan. It has to be put onto the actual home loan then redrawn off for it to work. Then we invest that in a portfolio very similar to what you've got in your super debt into shared portfolio. That money is sitting there.","start_word":13468,"end_word":13536,"intents":[{"intent":"Automate portfolio management","confidence_score":0.004445629}]},{"text":"So it is a realistic view of investing, but debt recycling is a great strategy. It doesn't pay the your main primary residence off any faster. It just changes your your loan structure.","start_word":13985,"end_word":14017,"intents":[{"intent":"Discuss debt recycling strategies","confidence_score":0.0049375314}]},{"text":"If your Mhmm. expenditure is less than you're making an income, you've essentially made a loss Could've for that lost. year.","start_word":14632,"end_word":14652,"intents":[{"intent":"Make a loss","confidence_score":0.024584908}]},{"text":"At the moment, we can claim that loss against our income, and it reduces our taxable income.","start_word":14657,"end_word":14673,"intents":[{"intent":"Reduce taxable income","confidence_score":0.20441829}]},{"text":"At the moment, we can claim that loss against our income, and it reduces our taxable income. As of the July 1 year, that will unfortunately not be the case for anyone who's purchased property after the May 12 at 07:30PM this year. Yep.","start_word":14657,"end_word":14700,"intents":[{"intent":"Claim interest","confidence_score":0.7322709}]},{"text":"When you just go to Mhmm. sell that property, you work out your capital gain, and then you subtract the loss from that. So it reduces your capital gain, which is not a bad structure. It means that you end up paying less DGT tax at the end of it as well, which isn't a bad structure.","start_word":14779,"end_word":14835,"intents":[{"intent":"Lower capital gain","confidence_score":0.0003874391}]},{"text":"If you were to buy a brand new build, you still get access to the negative gearing. So if you found, you know, someone who's building a property and house and land packages are often a lot cheaper than buying a new house anyway, So buying a a current house anyway. So, you know, if you found something like that, that would be a good option.","start_word":14866,"end_word":14931,"intents":[{"intent":"Assist with property buying","confidence_score":0.000049633254},{"intent":"Consider options","confidence_score":0.0014257627}]},{"text":"We can definitely provide advice around it.","start_word":14931,"end_word":14937,"intents":[{"intent":"Provide advice","confidence_score":0.53107065}]},{"text":"We can definitely provide advice in that area. It just comes down to what your goals are as to what the strategy is that works for you. When Mhmm.","start_word":15084,"end_word":15112,"intents":[{"intent":"Discuss goals","confidence_score":0.028485745}]},{"text":"the other thing I do have to be mindful of as an adviser is the income tax act. So I can't provide advice solely for the purpose of reducing tax. It is unfortunately section four a of the Income Tax Assessment Act 1936 and 1977, where if we provide advice your goal is solely to reduce tax, it seems a tax avoidance issue.","start_word":15113,"end_word":15175,"intents":[{"intent":"Explore tax avoidance","confidence_score":0.00030907913}]},{"text":"So the side of thing, it's just about working out what your goal is and which which strategy works best in line for you there, whether it is, you know, to invest and build wealth now, not worrying about paying down your mortgage, but changing your debt so it's more tax effective for you and building wealth that way in the shorter term, then, you know, debt recycling could be a way to go there.","start_word":15249,"end_word":15323,"intents":[{"intent":"Resolve debt issue","confidence_score":0.0005744702}]},{"text":"pop the fees in there too. Yeah.","start_word":15727,"end_word":15733,"intents":[{"intent":"Provide update on fees and fees","confidence_score":0.0011545054}]},{"text":"And when that fee structure is fully updated and we have your next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that.","start_word":15915,"end_word":15956,"intents":[{"intent":"Ensure awareness of changes in fee structure","confidence_score":0.003634621}]},{"text":"it comes to advice documents, don't let people to project out, you know, thirty years down the track because it's not always it inflates the projections pretty heavily, especially when the performances you know, certain investment portfolios might have received a a 15 or 15% return over the past five years. There's no guarantee they're going to get that over the next two or Again.","start_word":16444,"end_word":16508,"intents":[{"intent":"Evaluate investment portfolios","confidence_score":0.004571765}]},{"text":"There's a is it a rule where you can go back is it five years?","start_word":16749,"end_word":16763,"intents":[{"intent":"Inform about rules","confidence_score":0.00007136812}]},{"text":"As a deductible contribution, if you do that at the end of the financial year or you can be doing it in, like, smaller amounts on a regular basis, it actually lowers your tax it uses a tax deduction. Mhmm. Yeah.","start_word":17140,"end_word":17180,"intents":[{"intent":"Discuss tax deduction benefits and benefits","confidence_score":0.0005648264}]},{"text":"I will push over because I think one eighty one is the next tax bracket. I could be wrong.","start_word":17494,"end_word":17512,"intents":[{"intent":"Discuss tax brackets","confidence_score":0.01625014}]},{"text":"And, yeah. you know, So even if I you're wouldn't taking mind that money doing off the mortgage yeah. Yeah. yes.","start_word":17640,"end_word":17660,"intents":[{"intent":"Consider mortgage options","confidence_score":0.005808924}]},{"text":"And, I mean, if you get a little bit extra tax back, you you put that money in the super, but then if you reduce your tax and get a bit more back, you can put that back onto the mortgage as well. So it's kind Yeah.","start_word":17676,"end_word":17722,"intents":[{"intent":"Confirm savings","confidence_score":0.000015851569}]},{"text":"make sure that I'm available when you need, and I'll make sure that we have a three month catch up from from the August 19, three months on. That way, we can kind of make sure we do those catch ups for you, and you'll hear from Sammy. She's the one that's gonna give you a call and book you in for those catch ups and make sure that you're all looked after with me.","start_word":18001,"end_word":18075,"intents":[{"intent":"Plan and arrange catch ups","confidence_score":0.000034781737}]}]},"sentiments":{"segments":[{"text":"Hey, Maddie. Hey, Dana. I've got Bianca Malcolm on the phone.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.08004861325025558},{"text":"Beautiful. All good.","start_word":11,"end_word":13,"sentiment":"positive","sentiment_score":0.5518032908439636},{"text":"How does she say? Yes.","start_word":14,"end_word":18,"sentiment":"neutral","sentiment_score":0.19034184515476227},{"text":"She seems pretty good.","start_word":19,"end_word":22,"sentiment":"positive","sentiment_score":0.4523654580116272},{"text":"She just missed your call. Mhmm. That's all good. No problem at all. You can send us through whenever you're ready.","start_word":23,"end_word":43,"sentiment":"neutral","sentiment_score":0.159588024020195},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.40842288732528687},{"text":"You've got her in 321. Hi, Vy. How are you this afternoon? I'm good. How are you?","start_word":45,"end_word":61,"sentiment":"neutral","sentiment_score":0.19087782502174375},{"text":"I'm very well. Thank you.","start_word":62,"end_word":66,"sentiment":"positive","sentiment_score":0.4202728569507599},{"text":"How's your day been this far? I've been at a athletics carnival all day. Sorry. This time I missed your call. I was just getting Oh home. oh, that's okay. That's That's absolutely funny, fine. but it's windy. Not a prob Oh, Yeah. So I feel like I'm wing bone from being outside. Now the kids had their sort of carnival. So really? oh, Oh, wow. How did they go? Yeah. Did they Yeah. Good. The little guys are in kindy, so they sort of just do the fun stuff like race, but the old one did some races, so he had fun. Yeah. oh, that's that's fun.","start_word":67,"end_word":174,"sentiment":"neutral","sentiment_score":0.06538001447916031},{"text":"That's awesome. I love that.","start_word":175,"end_word":179,"sentiment":"positive","sentiment_score":0.5940946340560913},{"text":"My son had his a few weeks ago and, yeah, he's Okay. in year four now, so he's gotta try a little bit harder and do all the bits Yeah. and pieces.","start_word":180,"end_word":211,"sentiment":"neutral","sentiment_score":0.13441239297389984},{"text":"And, yeah, he loves it. It's a bit of fun for them as well.","start_word":212,"end_word":225,"sentiment":"positive","sentiment_score":0.410468727350235},{"text":"Yep. So yeah. All good. Look. I did have you booked in for your annual review today. I have sent through some compliance documents to you as part of the review to your email. Mhmm. I think, first off, I know Wendy spoke with Samantha. We've obviously, you know, had some issues over the past twelve months, and I wanted to sort of address your concerns with you guys and just sort of have a chat to Yep. you about sort of, obviously, what your goals are, your concerns there. I know you're not a 100% happy with our services, and I 100% understand that. But I Yep.","start_word":226,"end_word":333,"sentiment":"neutral","sentiment_score":0.011648282408714294},{"text":"just wanted to sort of take some time to have a chat to you about your concerns, what you're after, what you're looking for, and sort of see what we can do moving forward to help you out Mhmm.","start_word":334,"end_word":372,"sentiment":"positive","sentiment_score":0.34976431727409363},{"text":"and to make sure that you, you know, you are looked after correctly if that's okay. Yeah. Yes. I guess I just I think I put it with Samantha, though. But, you know, when I came Yeah. on, it was a cold call from a gentleman who called and said, you know, we're analyzing super funds and blah blah blah. And I don't Yeah.","start_word":373,"end_word":436,"sentiment":"neutral","sentiment_score":-0.03692687675356865},{"text":"normally go for those things because, you know, to me, they're all scams.","start_word":437,"end_word":449,"sentiment":"negative","sentiment_score":-0.42392560839653015},{"text":"Oh, But absolutely. we did get to the bottom line of and he said, you know, if it works, there's no charge, and you go to, you know, Oatsy handle you, and, you know, they'll be able to give you advice on everything. And I sort of went, you know what? I'm probably Yeah. at a point in my life where that's not a bad thing. And then I guess Yeah. it was Tariq, I think I started with. And then, you Yes. know, admittedly, I did constantly get your you know, whatever that notice is that I get that says, you know, these shares have been sold within your super fund, Yes. and these funds have been purchased. Yep. So there was a lot of that in the early days. Like, I'm talking probably every Yes. fortnight, if not every three weeks. And so I'm like, okay. Yep. They're obviously actively managing my super fund to get Yep. to, you know, the higher returns and whatever.","start_word":450,"end_word":616,"sentiment":"neutral","sentiment_score":0.10558371245861052},{"text":"So happy days.","start_word":617,"end_word":619,"sentiment":"positive","sentiment_score":0.3699659407138825},{"text":"It sat there. Then, obviously, we hit the first roadblock December 24, I wanna call it, where my insurances Yep. weren't really moved, and then Tarik had moved on. So I Yep. think that's when you joined or took over Yes. my account. So far, there you go. Yeah. And, yeah, the trade sorta kept happening.","start_word":620,"end_word":675,"sentiment":"neutral","sentiment_score":-0.1533784121274948},{"text":"And then I don't I feel like the last twelve months, it's just few and far between.","start_word":676,"end_word":692,"sentiment":"negative","sentiment_score":-0.3803974390029907},{"text":"I don't know if that's a strategy Right. thing. Like, I think I've had Right. and I could be wrong, but maybe three emails in the last six months about, you know, your adviser has traded. So I went, oh, I don't know what's happening in terms of Yes. that's what the fee, I guess, is Yeah. justified because you go, well, they're actively moving your funds. Because then I go, otherwise, is it just a super fund now? I mean, obviously, they're both super funds, but, you know, there's a difference between an actively managed one and just sort of a passive one. Yeah. Yeah. And then I know we did all the insurances at the start of the year, and that was really because I was just concerned, you know, if my kids got sick and whatnot. And and Yeah.","start_word":693,"end_word":834,"sentiment":"neutral","sentiment_score":-0.01947639510035515},{"text":"and that was really great.","start_word":835,"end_word":839,"sentiment":"positive","sentiment_score":0.41707009077072144},{"text":"But, yeah, I sort of got to a point now where I'm like, okay. Do I buy an investment property? Do I not? And then, obviously, I follow, you know, different advisers on social media, which I know, you know, they're Yeah. are they all qualified? Don't know. But some of them are like, well, in That's our okay. fee, we include advice on absolutely everything. We can forecast, you know, best practice based on current interest rates for, you know, five, ten years, which way to go. And I'm like, is that what I see is meant to be able to do for me? Because then I feel like, should I be paying two fees, or is it part of it? Yeah. Because yeah. And so I think that's where I just said to Samantha, I'm concerned. I It's don't know if that's the right word to say because yeah. my super fund's Yeah. gonna naturally grow because, obviously, my employer puts into it. I do the additional on top of it. So it's always gonna go up. So, therefore, I understand your fees, what whatever it works out to be, one point something. So, naturally, Mhmm. Yep. as my base increases, your fee also increases. But then, I guess, to me, I'm like, Yep. what's the return on investment for that fee if all it is is three trades every six months? It doesn't seem like a great deal for me is what I'm trying to, yeah, Yep. understand. Yeah. Yeah. Yeah. So that's where No. Absolutely. my honest, you know, understanding is, Yeah. and I don't I don't know. No. Yeah. That's that's that's perfectly fine.","start_word":840,"end_word":1118,"sentiment":"neutral","sentiment_score":0.020348583364785785},{"text":"And I'm really, really glad Yep.","start_word":1119,"end_word":1124,"sentiment":"positive","sentiment_score":0.5813074111938477},{"text":"that you brought those things up with me because in all honesty, I get it and I understand. And, look, in the last twelve months, I absolutely agree, Ophi, you have let the ball down. There's been a lot of things that happened last year that are outside of, obviously, my control, but there has been a Yes. lot of decisions made by senior management that, hey, I didn't agree with that I know have affected clients. And this Yep. last six months between January to now is essentially where I've been trying to clean things up a little bit and try to get my book under control. Mhmm. I end up we used to when Tarik was on board, I actually worked with Tarik. He and I went through our p y together back in the day. He Yes. was great. Love him, but he is very much more salesy than myself. Okay. So with with Tarek and I, we essentially used to share the whole book of clients. So all the clients on under OPU are essentially under the OPU license, and we used to just call every single one of them and go through the annual reviews and do what we needed. So there was no sort of specific adviser in that scenario. When Mhmm. Tarek moved on elsewhere and I need to step up and take on a few more extra clients to help out, we've since then got a few additional advisers on, which is great. The book is looked after. But after last year and what happened, I actually asked for a set book of clients. So I have a set book of clients that get to talk to me on a regular basis. Mhmm. I've been going to try and do reviews, looking at doing foundation advice documents, updating insurances, updating portfolios to everybody, and then making sure we do the regular catch ups because that was something that was promised back in the day, which over the last couple of years hasn't really sort of happened. The catch Yes. ups have kind of been few and far between. So I've been trying to make sure we do those regular catch ups there. So that's one of the things that I've sort of implemented this year to try and help alleviate a lot of the problems in the past. The second sort of part is with the super fund. I know back in the day, everyone sort of talked about active management, and there's a couple of different ways in which a super fund is actively managed. One of those is buying and selling on a regular basis. Mhmm. With the way your trades work, when your super fund when your money goes into the super fund, it goes into the cash account. Every once generally, around about the twentieth of every month, Hub twenty four do a regular they fund a transaction report, and that tells them how much cash you have. That basically tells them how much they need to invest in those funds that we've put you in, basically. So your portfolio, Yep. when you came on board originally, we would have recommended, I think, about eight different investment options there. With what happens with your super fund is whenever money goes into the account, it's just in the cash account. Once a month, they run the trades and the report, and those trade reports that you've been seeing are essentially just automated reports from Hub twenty four. So we're not physically going in and making those trades. We've told Okay. them what we want you invested in and in what asset allocations that might be 10% of the S and P 500, you know, 10% bang along. It could be a no 10% in cybersecurity. They essentially Yep. activate those trades in the back end of Hub 24 as per our allocation. We Mhmm. don't buy and sell individually and alter those investors on a regular basis because then we run the risk of day trading Yep. with your super. I know there are advisers out there that do do that, but day traders run the risk of not not staying invested through the longer term, Mhmm.","start_word":1125,"end_word":1832,"sentiment":"neutral","sentiment_score":0.03970922446562409},{"text":"having trouble buying and selling at the top and the bottom of the market, which disadvantages you.","start_word":1833,"end_word":1849,"sentiment":"negative","sentiment_score":-0.42139220237731934},{"text":"So our job with your investment portfolio is to be monitoring it, looking at it every couple of months, giving you an update on what's happening with it, looking at whether the performance is over or underperforming for the year, and then updating your portfolio as we need to as well because certain investments, say, back in 2021 or 2024 might have been performing really, really well, but then now they might not be performing as well. Then we update the advice Yes. and make alterations to your portfolio moving forward. And so that's certainly tracking towards the goal and making smaller changes on a regular basis and monitoring that long term to get those changes to where you to where you wanna be, essentially, to make your super work as hard as possible and making changes as we need to in the in the shorter term. But I am really sort of conscious that we don't day trade with your super. We don't go in there and make changes and actively buy and sell and try to pick the top and the bottom of the market. And I think because, as you said, you were brought on by those salespeople back in the day, and those are the marketers.","start_word":1850,"end_word":2059,"sentiment":"neutral","sentiment_score":-0.07477657496929169},{"text":"And they're actually mostly out of business now because they were, and I'm sure they promised you absolutely everything. And it's definitely I can safely say from last year, we have definitely not lived up to that expectation.","start_word":2060,"end_word":2097,"sentiment":"negative","sentiment_score":-0.39883193373680115},{"text":"But your super is performing really, really nicely.","start_word":2098,"end_word":2105,"sentiment":"positive","sentiment_score":0.5224518775939941},{"text":"The ongoing service fee within that is 1.65% per annum. So then that is deducted in full monthly increments. And the idea about percentage based fee that way is that it fluctuates with the market. So, you know, whilst you might probably expect to just pay, you know, 2 or $3,000 for the year, it's deducted in smaller increments, and it goes up and down with the market. So one of the biggest things that I try to instill is that we can't control market, and we we don't ever try to sell out of the down market. We wanna stay invested in the down market. We want your contribution to go into that down market because those Yes.","start_word":2106,"end_word":2224,"sentiment":"neutral","sentiment_score":0.05684837592499597},{"text":"investments at the down point are essentially cheaper options. They're a discounted rate, and you where contributions go in, they buy into that discounted rate. And then as the market comes back out and recovers, you take advantage of that, and that helps with your overall growth and the compounding effect of your super. So that's essentially how the super works, and that's sort of how those trades happen.","start_word":2225,"end_word":2293,"sentiment":"positive","sentiment_score":0.4494889974594116},{"text":"I'm not sure why they've been less this last twelve months than they had in the past, though. I will look into that because they do run those trades every month. Around about the twentieth of every month, Hub twenty four run their whole cash account. They, you know, reinvest and buy Yep. and sell in the background as per our direction. So that those trade reports should realistically be coming through every month for you. So I will have a look into that if that's okay. Yeah. I can tell you my last because I saved these. I'm I'm a bit OCD. So I had one on the That's twenty sixth okay. of May, so that came through Yep. as your trade summary. The one previous Yep. to that, Dana, and maybe they just weren't coming through, was the Yeah. January 6 January 6 and then thirty first of That December. doesn't make That's sense. what I mean. It just seems odd Yeah. and then one December. So I had two in December, weirdly, and one late November, Yeah. then an October one. They just don't seem to be consistent Okay. for the last No. like I said, it's almost No. six months between those last two. I wouldn't have delete Yeah. like, I mean, maybe I deleted it, Yeah. but I doubt it. I tend to save this stuff. Yeah. Yeah. I No.","start_word":2294,"end_word":2528,"sentiment":"neutral","sentiment_score":-0.048751477152109146},{"text":"just That's noticed that's it honestly wasn't fine.","start_word":2529,"end_word":2536,"sentiment":"negative","sentiment_score":-0.3599424660205841},{"text":"so once a month Yeah. sounds about right when I first and if I go back, I do. I've got August 29, September 26, and I've got an October one, and then Yeah. October again, November, December. But Yeah. from Yep. this year, no. It's like it Yeah. stopped after January. That's really bizarre. So May I will definitely is have a look my into next that one. and Yeah. yeah. No. That's okay. I'll Yeah. definitely look into it for you. I'll make a note there that you do want those trade reports to come through so you can see what is happening and being bought and sold and, you know, managed in the back end. Yeah. Yeah. Definitely. Yeah.","start_word":2537,"end_word":2657,"sentiment":"neutral","sentiment_score":-0.0015191138098555163},{"text":"Beautiful. Beautiful. Excellent. Lovely. So, yeah, look, that is essentially super.","start_word":2658,"end_word":2668,"sentiment":"positive","sentiment_score":0.4928254187107086},{"text":"And as I've said, I'm not going to, you know, sugarcoat any way, shape, or form. We've let you down over the last twelve months, and I a 100% get that. I do wanna try and make sure we do better. At the same time, I know Samantha told me that you were a bit unsure of that and self a bit stuck. If at any point you decide that you are unhappy with our services, you do find an adviser you would prefer to work with someone else, that is absolutely okay. I don't want you to leave, but at the same time, I'm honest. And if you find someone else that you would prefer to work with, they can take over your super. Your insurance can be transferred as well or paid out of any Mhmm. super fund. That's the benefit Yep. of having the retail cover. We can have it paid out of any super fund. We just have to change the super fund that it is paid out of. If you do find you have a better relationship with other advisers or another firm and you just, you know, Yes. wanna go with them, that's understandable. I get that. You let me know. We will help you roll on out. We'll help you change the adviser. You can have change of servicing platforms attached to any super and any insurance policy as well. So that all can be changed. That's absolutely fine.","start_word":2669,"end_word":2914,"sentiment":"neutral","sentiment_score":-0.06993738561868668},{"text":"I would personally love to see you stay on for another year and do everything I can to help you working forward Okay. towards your goals and doing better on behalf of AC Financial, but Yes.","start_word":2915,"end_word":2950,"sentiment":"positive","sentiment_score":0.6081761717796326},{"text":"at the same time, it's it's gotta be your decision.","start_word":2951,"end_word":2960,"sentiment":"neutral","sentiment_score":0.26858222484588623},{"text":"You've gotta be comfortable with where your money is and where your your super is.","start_word":2961,"end_word":2975,"sentiment":"positive","sentiment_score":0.3810635805130005},{"text":"This is your retirement. You'll probably note I'm very much less salesy than anyone else you've probably spoken to in OQ, and that's that's because I I do not believe in the salesy tactic side of things. As a financial adviser, I work on the best interest, Judy, and I have to work in your best interest. So the advice I do provide is about making sure we're working towards your goals.","start_word":2976,"end_word":3047,"sentiment":"neutral","sentiment_score":-0.10807518661022186},{"text":"I'm so was so sorry that that advice took so long to do last year. It was not preferred in any way, shape, or form, and I was very disappointed in us for that task.","start_word":3048,"end_word":3082,"sentiment":"negative","sentiment_score":-0.5819308757781982},{"text":"And I was, you know, making sure that that was done in January for you so you didn't have to wait any longer, and Yeah. then, you know, trying That's to clean correct. things Yeah. up from now.","start_word":3083,"end_word":3120,"sentiment":"neutral","sentiment_score":-0.15486136078834534},{"text":"But it was by no means preferable, and I don't have any excuses for what happened. I don't want to, you know, sit here and justify any of that. It was bad business. It was bad on our behalf, and I just wanna apologize that it's not good Yeah.","start_word":3121,"end_word":3169,"sentiment":"negative","sentiment_score":-0.4990196228027344},{"text":"at all. Thank you. And I do appreciate like, I mean, we Yeah. all you know, Yeah. I run a few different businesses. We don't always get it right. I get that. No. But I did. I just Yeah. kinda went. Am I locked in? Am I stuck? And Samantha was very honest the other No. day. She just said exactly what you said. She said you're not. You can actually keep your Yeah. insurance. No. We can just move it. The super fund but Yep. am I there's only bit I don't understand. So Hub twenty four, is that a fund I can only have if I'm under a financial adviser? No. So you can have it without being a without having a financial adviser. Okay. We can remove Yep. ourselves off it. The only sort of main difference is in order to transact on the fund, we do we can do that. So when and if we provide advice and, like, I've had a look at everything.","start_word":3170,"end_word":3338,"sentiment":"neutral","sentiment_score":-0.006503245269758462},{"text":"I think there's advice we could definitely provide now for you to update things if you want to go through that.","start_word":3339,"end_word":3359,"sentiment":"positive","sentiment_score":0.403466135263443},{"text":"Yep. But, essentially, within HubSpotty four, we go into the platform. We have a a transacting in platform on this end of things. It's a little bit different Yep. to how you see it on the other side. But we can buy and sell. We can do market trading, aggregating trading. We can, you know, change things in the back end, update the investments. We can do all of that, and it then it goes through the hub twenty four's administration team, and their investment team within the admin team, they go into the actual market and do all the buying and selling the back end. If Okay. you were to remove the adviser from the platform, you can keep it exactly as it is. The difference is in order to transact on that or buy and sell or alter your investments, you would have to call them and get them to place Okay. those trades for you. Yes. But you don't it's not an adviser only platform. It is a platform Yep. that you can retain if you decide that you're comfortable with doing that. And, yeah, as as I said, we can always you know, if another adviser comes in, they can add an authority onto it, and then there can be a a change of adviser form signed to all that as well. But it's not it's one of the few that is not an adviser only platform, and you can hold that or remove your adviser and still utilize the platform fine. It's just Yep. the transaction side that you would have to call the admin team at Hub twenty four and get them to do and place trades for you.","start_word":3360,"end_word":3644,"sentiment":"neutral","sentiment_score":0.16237297654151917},{"text":"They get verbal approval to organize all of that, but it can definitely be done.","start_word":3645,"end_word":3659,"sentiment":"positive","sentiment_score":0.41914698481559753},{"text":"Yeah. Yeah. Okay. Yeah. Yep. K. Alright. So do you just wanna go through the documents that you sent? Is that what Yeah. Yeah.","start_word":3660,"end_word":3683,"sentiment":"neutral","sentiment_score":0.06328220246359706},{"text":"Absolutely. yeah. Absolutely. Definitely.","start_word":3684,"end_word":3687,"sentiment":"positive","sentiment_score":0.4616531729698181},{"text":"So with the documents there, the main one is your ongoing service agreement for the next twelve months there. Mhmm. Don't Yeah. sign it right now. Obviously, take some time to think about what you wanna do. Come if you have any additional questions, come back and ask me additional questions.","start_word":3688,"end_word":3738,"sentiment":"neutral","sentiment_score":0.0654696375131607},{"text":"That's absolutely fine.","start_word":3739,"end_word":3741,"sentiment":"positive","sentiment_score":0.33605942130088806},{"text":"I don't wanna sort of press you into making any decisions that you're not comfortable with.","start_word":3742,"end_word":3757,"sentiment":"neutral","sentiment_score":-0.1767510622739792},{"text":"Love you to take some time to think about what you wanna do moving forward.","start_word":3758,"end_word":3772,"sentiment":"positive","sentiment_score":0.3608558773994446},{"text":"Yep. With the the attachment. Now on the very front page, at the bottom, if you scroll down, I left a little Yep. message there. And underneath that, you should see all the attachments. Can you see I those? do. Yep. Yeah. I do.","start_word":3773,"end_word":3816,"sentiment":"neutral","sentiment_score":0.04962703585624695},{"text":"I've opened Fantastic. a few.","start_word":3817,"end_word":3821,"sentiment":"positive","sentiment_score":0.3750036656856537},{"text":"Yep.","start_word":3822,"end_word":3822,"sentiment":"neutral","sentiment_score":0.2552070915699005},{"text":"Excellent.","start_word":3823,"end_word":3823,"sentiment":"positive","sentiment_score":0.5220137238502502},{"text":"The first one there is or should be the summary of the brand new agent and or insurances, and it's giving you an updated balance as of the July 23. And what I've just done Can you see that one there? Sorry. yeah. Sorry. I'm just I've got a 100 different That's okay. screens open. You're right. The I super get it. and insurance summary. Yes. I've Yep. got it open. Yep.","start_word":3824,"end_word":3895,"sentiment":"neutral","sentiment_score":0.1104775220155716},{"text":"Perfect.","start_word":3896,"end_word":3896,"sentiment":"positive","sentiment_score":0.35832929611206055},{"text":"So just double checking with your balance last year, we were at a 140,902 and 28<unk>. Balance Mhmm. this year, we're up to a 183,790 and 14<unk>.","start_word":3897,"end_word":3926,"sentiment":"neutral","sentiment_score":0.1546684056520462},{"text":"So it has been good. We have definitely seen an increase on that.","start_word":3927,"end_word":3939,"sentiment":"positive","sentiment_score":0.5122902393341064},{"text":"Part of it is your contributions and your salary sacrifice going in, but the other part that is with the that's the growth. Now Is with that the somewhere performance on of in. Yes. sorry. Is there a summary Yes. of that? Okay. Yep. The I did the wanna growth. know what the Yes. yeah. What I actually Growth what? contributed versus the difference. Yeah. Yeah. You're right. So if you have a look at the hub twenty four performance with internal rate of return report, this is showing you Yep. the growth. So the second page, if you look at the third last column, you've got total earnings, and it shows there that the income and the growth in the last twelve months is $13,005.91 and 70 Mhmm. 3<unk>. You can see that? Yep. Beautiful. Yep. Yep. Yep. Sorry. All good. Yeah. So I can't. that Yeah. no. That's okay. You're fine.","start_word":3940,"end_word":4091,"sentiment":"neutral","sentiment_score":0.05347728430244483},{"text":"All good.","start_word":4091,"end_word":4093,"sentiment":"positive","sentiment_score":0.33998924493789673},{"text":"That's essentially the earnings received by the portfolio. That's the income and the growth within the last twelve months there. It does give you a internal rate of return of 11 sorry. 6.11% to 6.11% there. That is net of any administration fees, investment fees, and our our ongoing service fee there as well. Now with Mhmm. your portfolio, having a look at the first page there, all of your investors are performing very, very nicely. However, if you look at the Benelon Australian Equities one, that one there I flagged as underperforming. And the reason I can sort of tell it's underperforming is that whilst we have seen the ups and downs in the market this year, as a whole, the Australian share market is actually not doing too bad.","start_word":4093,"end_word":4224,"sentiment":"neutral","sentiment_score":-0.06169682368636131},{"text":"Equities are up at the moment, but this one investment is down and down quite a lot.","start_word":4224,"end_word":4241,"sentiment":"negative","sentiment_score":-0.34019559621810913},{"text":"It's showing it's down by over 23.26%. I went back to have a look at Bennelong and see what was happening within the fund.","start_word":4241,"end_word":4265,"sentiment":"neutral","sentiment_score":-0.22414681315422055},{"text":"They've had some underlying issues with one of their investments, so it's kind of made that fund underperform pretty heavily.","start_word":4265,"end_word":4285,"sentiment":"negative","sentiment_score":-0.3762548267841339},{"text":"I actually wanna remove that from your portfolio. I don't want that there anymore. I do have to update the advice to make that change for you, but I would Mhmm. like to have that removed out of your portfolio. One of the big things with why Benelon was in there is the investment manager is an actively it's an actively managed fund. So inside the Benelon Australian Equities investment, they are trying to buy and sell. They are trying to pick the top and the bottom of the market. They are trying to buy undervalued stocks. They generally hold anywhere between 15 to 25 different investment options, but this year, they have not performed very well.","start_word":4285,"end_word":4400,"sentiment":"neutral","sentiment_score":-0.1082574282933412},{"text":"They had, up until COVID, a very good rate of return. They were performing phenomenally. I think their rate of return was about 30% in about three to five years, which is fantastic for them.","start_word":4401,"end_word":4435,"sentiment":"positive","sentiment_score":0.4622770547866822},{"text":"But most recently, they haven't been able to keep ahead as it has, and they're not outperforming against the market. As much as you could hold that investment and wait for it to come back and recover, I don't think they're gonna recover in a hurry. One of their Yep.","start_word":4436,"end_word":4485,"sentiment":"neutral","sentiment_score":-0.2992272675037384},{"text":"underlying investments, Corporate Traveler, actually came out to the market and had been a bit dishonest, which meant that Bennelong had to reevaluate that investment.","start_word":4486,"end_word":4510,"sentiment":"negative","sentiment_score":-0.3798103928565979},{"text":"That investment is now on a trading halt, and it's being audited and investigated for what it for the what they essentially did. So it means that because of the trading call, Van Along can't remove corporate travelers from their investment profile, Yep. but we can get you out of Van Along. So I would like to move that nice and quickly and get that out of your portfolio. It does Mhmm.","start_word":4511,"end_word":4582,"sentiment":"neutral","sentiment_score":-0.18992991745471952},{"text":"unfortunately mean that we would be cementing the drop or the loss that that investment has seen, but it also is probably better to get rid of it now rather than let it go down even further and, you know, have to cement a much greater loss.","start_word":4583,"end_word":4629,"sentiment":"negative","sentiment_score":-0.3699975609779358},{"text":"Essentially, when we sort of look at this, it's about deciding whether we hold an investment for longer and wait for it to come out the other side, or do we cut the losses now, remove it from the portfolio knowing we can put you into something that's probably performing better and make that money back a little bit quicker for you? Does that make sense? Yeah. Yeah. It does. Yep. Yeah. Yeah. So my decision is I would love to get you out of that. I don't wanna force you into it. If you wanna sort of hold on a bit longer and sort of see how it is in a few months, you absolutely can. But I would love to update the advice now and get that out of your portfolio and just maybe look at updating your portfolio as well because, you know, investments that have had a great track record in past may not be as good now. Also, the Bandit property is a little bit down. That is due to your property having a bit of a fallback in the market with the changes that have just been legislated. Property is Mhmm. having a little bit of a fallback at the moment, and we are seeing a bit of decline in that. So it might also be worth getting removing the property investment from there and looking to diversify in other ways. China is still a good investment, has performed not bad, but China still has quite some high tensions out there at the moment with a lot of the allied countries. I would sort of rather be looking to get rid of China as well because it's meant to be more of a growth investment. It's what it's called a themed investment or a themed thematic Mhmm. ETF, and it's put into your portfolio to try and get greater growth.","start_word":4630,"end_word":4945,"sentiment":"neutral","sentiment_score":-0.10672511057810316},{"text":"This hasn't been able to do that, and a 3% return for an investment that's supposed to be seeing a much higher rate of return isn't really preferable, and it sort of shows that China's having a bit of issues at the moment as well.","start_word":4946,"end_word":4990,"sentiment":"negative","sentiment_score":-0.3450871706008911},{"text":"So I would probably like to remove those three investments out of your portfolio and look to Yep. maybe move the money into something performing a little bit better for you and just update your portfolio as a whole. Does that sound okay, and do you have any questions? No. No. That sounds good. That's okay? Beautiful. Yep. Yeah. The bank hybrids you have in here as well, they are a defensive investment.","start_word":4991,"end_word":5063,"sentiment":"neutral","sentiment_score":0.027085287496447563},{"text":"They are really great to have income producing.","start_word":5064,"end_word":5071,"sentiment":"positive","sentiment_score":0.45060995221138},{"text":"I do wanna look at moving them as well just because the government's phasing those out in a couple of years. So one of the big things with bank hybrids is they're more of a complex investment. So it's a bit like bonds. You're putting money into the banks. They're utilizing that money to lend out, Yes. and they're giving you income payments or coupon payments back. Bank hybrids are exactly the same as bonds in that sort of aspect, but they're also traded on the ASX. So they get a bit of growth as well as income producing. They are seen as defensive because they're expecting a lower rate of return, and they are seen as safer or lower risk than ETFs and other investments or growth investments. However, the government has made a decision in recent months that they're gonna phase these out by 2028. So, realistically, if I'm gonna be making some changes to your portfolio now, removing some of the investors, we are best to maybe remove that as well rather than hold on to the bank hybrid. And then in 2028, we have to move them quickly and find something else a bit faster for you. Okay? Yep. Yep.","start_word":5072,"end_word":5275,"sentiment":"neutral","sentiment_score":0.03350225715514492},{"text":"Beautiful.","start_word":5276,"end_word":5276,"sentiment":"positive","sentiment_score":0.4518490433692932},{"text":"Do you have any questions? You're welcome to let me know if you do. No. No. That's fine. These aren't Yes. shares that I'm overly I mean, some of them I'm familiar with, but none of those that you just spoke about. So, yeah, Yeah.","start_word":5277,"end_word":5321,"sentiment":"neutral","sentiment_score":0.03844776749610901},{"text":"I'm happy for them to change.","start_word":5322,"end_word":5327,"sentiment":"positive","sentiment_score":0.35293111205101013},{"text":"And, Yep. yeah, the Bendal Bendalong one doesn't sound like it's gonna come out anytime soon. Yep. No. Yeah. No. Definitely not. So I've started moving most of most of the clients out of that one, so there has been yep.","start_word":5328,"end_word":5368,"sentiment":"neutral","sentiment_score":-0.12378490716218948},{"text":"some pretty significant sell off, and that will probably just continue.","start_word":5369,"end_word":5379,"sentiment":"negative","sentiment_score":-0.34868842363357544},{"text":"So I definitely would like to move you out of that and look at something a bit better. There are Mhmm. So different would you ways pick can to I have ask yeah. Sure. sorry? Would you You're right. is that number of shares, the number that you Mhmm. like to have for the value of my super fund, or would you just move some of those funds into some of the other shares? Like, what is the theory behind how many, I guess, are held at any given time? Yeah.","start_word":5380,"end_word":5470,"sentiment":"neutral","sentiment_score":-0.04511668533086777},{"text":"That's a really good question. I like it.","start_word":5471,"end_word":5478,"sentiment":"positive","sentiment_score":0.4287227988243103},{"text":"So, essentially, what we're looking for is ways to diversify your portfolio. So, Mhmm. realistically, having, you know, this many investments in there is preferable. By Yep. looking to move Benelong, the BankHybrid, the China, and probably the Banak property as well, I would not just move them and move the money into the other investments. I would look at ways to replace those. So to give you a bit of an Okay. example, by moving Van Along, which currently has about 15 to 25 different investment options within that fund, I would be looking to try and build greater diversification for you. So you've also got the keywords, which is more Australian equities. So it's the beta shares Raffi 200. It's the it's got the ticket code QoS, QOZed. Mhmm. Yep. So that's also giving you access to 200 of the companies on the ASX.","start_word":5479,"end_word":5624,"sentiment":"neutral","sentiment_score":0.1550636017975742},{"text":"What we have been looking to do is to provide greater diversification.","start_word":5625,"end_word":5636,"sentiment":"positive","sentiment_score":0.39281561970710754},{"text":"So removing some of the old investments and maybe putting you into, say, the a 200, which gives you exposure to the top 200 companies on this day in stock market, but attracts Yep. the top 200 companies. By doing that, similar to the S and P 500, those sorts of index funds, while they are lower risk, you can still have your high growth portfolio, still have that high risk exposure, but within that, trying to lower, you know, risk and provide greater diversification and also making sure we're tracking as many different investors as as diversification and also making sure we're tracking as many different investments as as possible. So with sort of some of the newer portfolios that we're sort of putting people into, we're looking to make sure we have as much diversification as possible. We're looking at anywhere from six to eight different investment options, sometimes nine, depending on what we're moving into. We're looking at exposure globally for the whole world. Some of the portfolios that we've been using actually incorporate an all world index. That way, we're not just picking, you know, China or The US or Australia or India.","start_word":5637,"end_word":5833,"sentiment":"neutral","sentiment_score":0.23833146691322327},{"text":"We're actually globally diversifying across every country that's focusing on already established markets, but also up and coming and, you know, markets that may provide greater growth in the future.","start_word":5834,"end_word":5863,"sentiment":"positive","sentiment_score":0.4173266589641571},{"text":"We also keep The US exposure in there as well, and we also keep some separate Australian exposure in there as well.","start_word":5864,"end_word":5885,"sentiment":"neutral","sentiment_score":0.2224062532186508},{"text":"So it's about just making sure that you've got a good diversification.","start_word":5886,"end_word":5897,"sentiment":"positive","sentiment_score":0.5047828555107117},{"text":"Back in the day, back when I first started in this industry, advisers used to advise and put, you know, individual companies in it. So you might see CBA, Westpac, you know, BHP, but those portfolios had to have 50 or 60 different individual companies to give them diversification. We Yep. can essentially create that same diversification by having anywhere from five to 10 different investment options in a portfolio. When we are looking at those, we factor in cost. One of the big ones to factor in is CDP because just like you, your super fund does a tax return every year. So whenever Yep. there is buying and selling of investments or investment switching going on, your super fund has to account for capital gains. So when we research what we're gonna move out of the portfolio, what we're gonna replace that with, we look at what the capital gains consequences would be for your super fund. We also look at the estimated investment costs, making sure that we're not charging or not making sure that the investments aren't costing you more money.","start_word":5898,"end_word":6082,"sentiment":"neutral","sentiment_score":0.1090768575668335},{"text":"I've been trying to build portfolios at a much lower costing to save on investment fees.","start_word":6083,"end_word":6098,"sentiment":"positive","sentiment_score":0.33748507499694824},{"text":"And then you've got administration fees as well, which is the platform fees for Hub 24 Yep. and their administration of that platform.","start_word":6099,"end_word":6121,"sentiment":"neutral","sentiment_score":0.2662932872772217},{"text":"So it's about making sure you've got a good diversified range of investments, making sure you've got asset allocations in Australia, The US.","start_word":6122,"end_word":6144,"sentiment":"positive","sentiment_score":0.3522348701953888},{"text":"Japan's been really good lately, and also parts of Asia as well. But then also making sure there's some global exposure in there. Physical gold has been at a thirty year high over the past few months. We have definitely been keeping physical gold in there. I know in February, it took a massive dive of 18%, and most raised in the last week or so, it has had a little bit of a dip there as well.","start_word":6145,"end_word":6222,"sentiment":"neutral","sentiment_score":0.008753955364227295},{"text":"But physical gold is still a good investment to have.","start_word":6223,"end_word":6232,"sentiment":"positive","sentiment_score":0.4788903594017029},{"text":"It is a growth investment, but it's also defensive in nature. So when you kind of think back to, like, the DSP or even COVID, when equities Yes. are seeing it very much a down point, people take money out of their portfolio and pop it in the gold and the safe haven. So Yes.","start_word":6233,"end_word":6287,"sentiment":"neutral","sentiment_score":0.12302198261022568},{"text":"it works both ways. It is a growth asset, but it does work defensively as well.","start_word":6288,"end_word":6303,"sentiment":"positive","sentiment_score":0.3540697693824768},{"text":"So we do like to have physical gold in there. And then cybersecurity has taken a bit of a hit this year. Your portfolio has stayed up over 15%, which is fantastic. But with what's happening between The US and Iran, cybersecurity has had a little bit of a sell off, so it's down a bit at the moment. But I do see that as still an important place to see investments. Because moving forward, we're all online. We do a lot of things online, and, you know, making sure we protect all of that is a really big place. And governments are just being throwing money in those areas over the last couple of years and will continue to do so, especially with all the the hacking scandals we've had, all the issues we've had with tech companies and things like that. So protecting our privacy is very much one of the larger issues. So I do see hack and cybersecurity as a good place to remain invested. So, realistically, just off the top of my head, I would be looking to replace about four of those investments, Mhmm. maybe five of them, and, you know, sort of readjust the portfolio. I can see a way we can make it a bit cheaper, make sure it has been performing really well, increase your diversification across the portfolio to help lower the overall risk of the portfolio, but also keep within that high growth environment so you are still, you know, obtaining good returns moving forward. Does that make sense? Yes, sir. Yep.","start_word":6304,"end_word":6566,"sentiment":"neutral","sentiment_score":0.1190452203154564},{"text":"Perfect.","start_word":6567,"end_word":6567,"sentiment":"positive","sentiment_score":0.3699207007884979},{"text":"Do you have any questions about any of that? Please let Yep. me know if No. you do. No. That is alright. I No. do. I understand it. Yeah. Yeah. Let me check. Yeah. Yes.","start_word":6568,"end_word":6602,"sentiment":"neutral","sentiment_score":0.009379133582115172},{"text":"Excellent. Excellent.","start_word":6603,"end_word":6604,"sentiment":"positive","sentiment_score":0.35067349672317505},{"text":"So there are definitely some things to do here. I would love to, you know, go back and reassess the the portfolio for you. Essentially, what I'll do, if you're comfortable with it, I'll provide an advice document which outlines what we're recommending, essentially the same as I did for the insurances. We'll go through the switches, what we're recommending to buy and sell, what we're going to do, how that affects your super funds in the way of CGP, investment cost, admin cost, overall cost, and then look at a projection over the next five to ten years to see where that projects you to be. Does that sound okay? Yep. Yeah. That's all. Yep. Yep.","start_word":6605,"end_word":6721,"sentiment":"neutral","sentiment_score":0.15159201622009277},{"text":"Fantastic. Excellent. Excellent.","start_word":6722,"end_word":6724,"sentiment":"positive","sentiment_score":0.602669358253479},{"text":"Sorry. Always stop me. I get a little bit excited talking about super insurances. I'm a little bit insane. So feel free to just stop me and ask questions or go, hang on, Dana. I don't understand. I just you break that down a bit Yes. I more probably do need to I know I left for the statement of advice as well, and it's me. expired now, but Yeah. I It's probably okay. do need to look at those. Not so much. I know I've got you to do income protection, but Yeah. I'm not I'm not as worried now. There was something that had happened at the end of last year. Yeah. But, potentially, that my kid's insurance, I definitely should do that, I think. The child trauma policies? The Yep. yeah. Just in case. I know. That's probably the one that I'd be pushing to go ahead with. Yes. Yep. Absolutely. How did you sort of feel about the trauma policy we Yeah. recommended for yourself as well? There was also that trauma policy for a hundred and twenty thousand of trauma, and we'd also link that to a bit of life cover held outside of the state for for the difference in benefits and to make it cheaper as well. Do you remember that That recommendation? was the one that that resets. Is it the one that does a random reset? Is it is it what it was is it the right terminology? Because You're this right. is Random like if race. I go through, like, cancer. Is that right? Mhmm. That's Yes. that's where this would classify. And say and then Yes. so you get access to those funds, but then, essentially, Yes. it's for, like, reset. So if you were to have a different trauma is Yes. that right? Am I saying that right? Yes. Yeah. Absolutely. It's Yes. trauma reinstatement. You you are on the ball. Yeah. Exactly. K. It's like So reset, with I the think. trauma yeah. So with the trauma policy, essentially, if you were diagnosed with cancer, it would pay out the lump sum benefit of the 120,000 recommended, and then it normally takes a couple of months. They normally give you twelve months. At that twelve Mhmm. month period, so long as you've got the trauma reinstatement option, they reinstate that trauma policy. They normally don't cover you for the same thing. So say if you had, you know, lung cancer and you claimed on that and then the lung cancer kinda came back or increased, they wouldn't repay for the same thing. But then if you got Yes. breast cancer or, say, brain cancer or you had a stroke afterwards, then once that reinstatement is in place, you can then claim on that 120,000 again. They normally limit Mhmm. that to two reinstatement, but we can always look at making it more if you wanted to try and make that more. That is an optional extra that does cost more. So the more reinstatements we apply to those they allow, the more that part of the policy or the more that option does cost.","start_word":6725,"end_word":7251,"sentiment":"neutral","sentiment_score":0.006523134171400763},{"text":"But it is a good thing to have.","start_word":7252,"end_word":7259,"sentiment":"positive","sentiment_score":0.5025407075881958},{"text":"I personally don't think having trauma is worth it if you don't have the reinstatement just because claiming for one thing is all well and good, but then, you know, that then it's all gone.","start_word":7260,"end_word":7294,"sentiment":"negative","sentiment_score":-0.5188428163528442},{"text":"You kind of wanna be Yep. able to utilize it to the best of your advantage, as sad as that sounds when it comes to insurances. But, you know, trying to take the most get the most out of your cover is really important because the biggest risk we have with insurances is that we pay all this money for premiums, and then we get to 60 or 65, and they're canceled or they expire, and we've never claimed on them. And that's probably Yes. the best and worst case scenario.","start_word":7295,"end_word":7385,"sentiment":"neutral","sentiment_score":-0.193611102444785},{"text":"It's the biggest risk because we've paid out all this money for insurance that we've never claimed on.","start_word":7386,"end_word":7403,"sentiment":"negative","sentiment_score":-0.44449561834335327},{"text":"The best case scenario because it means we haven't lost something. We do do a lot of advice for clients to go through claims and do get really great payouts to, you know, to look at what to do. However, to claim on insurance, it means you've lost something. For life insurance, you know, someone's passed away or terminally ill for trauma, Yes. there's been a cancer diagnosed through a stroke or something. The income protection, someone's unable to go to work, and income protection is good to kinda cover you for that.","start_word":7404,"end_word":7496,"sentiment":"neutral","sentiment_score":-0.07801643759012222},{"text":"But a lot of people who are on long term income protection claims, like, two years plus, they end up they can end up being a lot of mental health effects that come from that because they're not able to get back to work, and they're just sort of sitting around hoping it's gonna be okay and going through rehabilitation or going through treatment and going to the doctors all the time. And that sort of thing really plays badly on their mental health.","start_word":7497,"end_word":7580,"sentiment":"negative","sentiment_score":-0.4139169156551361},{"text":"So it's kind of one of those insurances is kind of one of those tax 22. You kind of wanna have it to make sure that in the event something happens, we can claim them. We've got that to fall back on, but at the same time, if we do claim, it's because we've lost something. Something's happened to us or we've Yes. you know? On the upside, we get a lot of money for doing so. So it's kind of one of those Yes. tax 22 that's a good and bad scenario. So, yeah, but did you want me to look at the trauma aspect again for yourself, or is it more just the child trauma that's important to you at the moment?","start_word":7581,"end_word":7704,"sentiment":"neutral","sentiment_score":-0.03211556375026703},{"text":"What kind of what I did you don't want know.","start_word":7705,"end_word":7714,"sentiment":"negative","sentiment_score":-0.4537418484687805},{"text":"me to I look feel at?","start_word":7715,"end_word":7720,"sentiment":"neutral","sentiment_score":-0.2429526448249817},{"text":"like I am at an age where people are just falling on the left, right, and center. It's very scary.","start_word":7721,"end_word":7740,"sentiment":"negative","sentiment_score":-0.5180004835128784},{"text":"Mhmm. And Yep. whether it's illnesses or actual death, which, obviously, I Yep. have that. And if it's me, my kids, you know, I know that's all set up. But Yeah.","start_word":7741,"end_word":7771,"sentiment":"neutral","sentiment_score":-0.28755974769592285},{"text":"I do I feel like every second person's been diagnosed with cancer at the moment, which is where that one would fall.","start_word":7772,"end_word":7793,"sentiment":"negative","sentiment_score":-0.5498691201210022},{"text":"Yeah. So, yeah, so I should probably definitely look at Yeah. my trauma as well as the children. Yep. And then, yeah, probably park the what we had income protection added on that one. And Yep. was that it that Yeah. I added to Yeah. it? I can't actually remember. Yeah. You're right. We had some life cover added to it. So the first policy was increasing your life TPD to a million dollars and then Mhmm. adding income protection to cover 70% of your income based on a weight of a 145,000 per annum, and that was all paid out of the super fund. Then the second Okay. policy was to cover you for a 120,000 of trauma, and we linked the same amount of life cover to that because life cover paid outside of super also provides the funeral benefit With ClearView, Yep. if with having that life cover outside of super, if you were to pass away, your beneficiaries can claim up to 25,000 as a one off lump sum whilst they're going through the claim process for that life cover, and it's called an immediate expense or a funeral benefit. They pay that money down so that the funeral can be paid for so the other expenditure can be looked after in the short term whilst they're going through that life insurance claim. Mhmm. And we had linked that to the trauma policy with the same sum insured of 120,000. And then the third policy was the child trauma policy, so 100,000 for each of your kids in the event they're diagnosed with a major traumatic condition. Yep. I probably do just need to relook Yeah. at it. So if you can send them through. Yeah. The only thing to point out is my income's moved to a 165,000. Okay.","start_word":7794,"end_word":8097,"sentiment":"neutral","sentiment_score":-0.002832661372131521},{"text":"Beautiful.","start_word":8098,"end_word":8098,"sentiment":"positive","sentiment_score":0.34380972385406494},{"text":"Yeah. So that obviously affects the insurance as well. Yeah. Yep. Is I so don't you know would want if do the you million dollars is yeah.","start_word":8099,"end_word":8125,"sentiment":"neutral","sentiment_score":-0.0821528434753418},{"text":"overkill now.","start_word":8126,"end_word":8127,"sentiment":"negative","sentiment_score":-0.4790082275867462},{"text":"I mean, it depends, obviously, if I buy another property. Because my mortgage is very small, and I understand Yeah. so the million dollars what was that on? My lot no. My The life and tape a day. Yeah. yeah. Okay. I get what you mean. That's the total. Yeah. Well, we No. can Hang on. talk Is it that through. if I'm So dead? with What's that one? yeah. So life cover is if you pass away. Correct. Yeah. Yeah. Okay. Yeah. TPD So that would is be a little my children. bit more. Yeah, TBD is more if you're diagnosed with a major like a major disability and you're unable to ever go back to work again. The thing Okay.","start_word":8128,"end_word":8249,"sentiment":"neutral","sentiment_score":-0.11877571046352386},{"text":"with TBD is that it's taxed, and I don't agree with this in any way, shape, or form. I think it's disgusting. But So the with million TBD, dollars is if taxed.","start_word":8250,"end_word":8281,"sentiment":"negative","sentiment_score":-0.4486358165740967},{"text":"you're it is. If you're under the age of 60 and you claim TBD and it is successful, we can also release your super, the same as your life benefit, but it means that that is taxed, and the tax is up to 22%, which is disgusting.","start_word":8282,"end_word":8328,"sentiment":"neutral","sentiment_score":-0.3134593963623047},{"text":"I think that's horrible. The last thing they should be doing, if you can't get back to work due to a a disability like that and you're never going back to work, then the last thing the government should be doing is taxing that. But, yes, it is unfortunately I just taxed. I know It it's terrible. Right?","start_word":8329,"end_word":8386,"sentiment":"negative","sentiment_score":-0.5289570689201355},{"text":"It's and not to get yes.","start_word":8387,"end_word":8392,"sentiment":"neutral","sentiment_score":-0.309493750333786},{"text":"political on you, but I go it's their way of saying, That's you're not okay. gonna give us tax because you're not gonna work, so we're gonna take it from you.","start_word":8393,"end_word":8423,"sentiment":"negative","sentiment_score":-0.4514056146144867},{"text":"Like, Correct.","start_word":8424,"end_word":8425,"sentiment":"neutral","sentiment_score":-0.10438870638608932},{"text":"it's just terrific. Yeah.","start_word":8426,"end_word":8429,"sentiment":"positive","sentiment_score":0.7270066142082214},{"text":"The good thing is, as advisers, there are things that we can do. So if you were to claim CBD, we would provide advice on how to use the funds. We can Mhmm. move the money from super fund to super fund to get little tax uplift and to, you know, increase the tax free benefit. Yep. We can also keep the money invested and draw out smaller increments or smaller lump sum, And there is this crazy math equation they do to work out the tax, so it could also be less than the 22%. We just have to go on the highest marginal tax rate for that side of things.","start_word":8430,"end_word":8541,"sentiment":"neutral","sentiment_score":0.12506839632987976},{"text":"But, yes, unfortunately, it does mean that it could actually be taxed, which is terrifying. It's horrible. I don't like that in any way, Yes.","start_word":8542,"end_word":8566,"sentiment":"negative","sentiment_score":-0.4650327861309051},{"text":"table form. Yeah. Yeah. Okay. But your you said your mortgage is quite small at the moment. How much is your mortgage? Because I had $3.75 last time. I get really confused. I know I shouldn't, but I do because Okay. I have No. a million You're and fine. one offset. I have 10 offset accounts. So if I look on my actual mortgage, Mhmm. it says my balance is 257,000. Call it 250 Yep. 8,000, and Yep. I have an availability of 210,000. So I actually Okay. believe Perfect. when you put those numbers together, that's what my technical mortgage is, if I'm reading that right. Yes. This always confuses me. Yep. Yeah. So my actual active mortgage would still be about, I don't know, 400 and something, but I have that surplus in there, so it tells me my balance is 2 Yes. 57. Yeah. Yep. Yep. That's correct.","start_word":8567,"end_word":8717,"sentiment":"neutral","sentiment_score":-0.03561607748270035},{"text":"Perfect. Perfect. Excellent. Lovely.","start_word":8718,"end_word":8721,"sentiment":"positive","sentiment_score":0.4205131530761719},{"text":"So, realistically, with having that extra money sitting in there, your mortgage is quite low. If you look at the MetLife insurance policy, the specific other currency you have there at the moment, with your wife Mhmm. and TPD, you're currently at the sum insured of 863,000. So Yes. with your super balance, to give you an idea, $8.63 $2. 05 8. If you were to pass away today, your super balance of $1.83 $7.90 and 14<unk> plus your MetLife life insurance, you actually technically have about a million and 47,000. Already before I even consider another insurance. That's Correct. what Right? Yeah. Yeah. Okay. Which could that's what Yep. I'm thinking. Yep.","start_word":8722,"end_word":8834,"sentiment":"neutral","sentiment_score":0.0027338075822433538},{"text":"I think it's overkill. I mean, obviously, it's not if I become totally disabled because that's what TPD is.","start_word":8835,"end_word":8853,"sentiment":"negative","sentiment_score":-0.4648173451423645},{"text":"Right? Am I saying that right? Total Correct. permanent disability? Yeah. Yeah. So because life cover is only if I die. Yeah. Oh, no. Correct. I do have a TPD cover. You do. Yes. Yep. Oh, okay. So then I okay.","start_word":8854,"end_word":8894,"sentiment":"neutral","sentiment_score":-0.055880993604660034},{"text":"Now I'm totally confused.","start_word":8895,"end_word":8898,"sentiment":"negative","sentiment_score":-0.34073707461357117},{"text":"So No. That's okay. If if we look at it to make it a bit easier for you, if we look at the the the life cover and your super balance, you've got over 1,000,047 there. If we then subtract off your mortgage, which you could yeah. You would be paid out, that leaves about $789,048.14. Mhmm. That Yep. could go to your beneficiaries. Now have you Yes. look at that. We originally noted that you wanted that to be your children. Is that right? Correct. Yep. Yes. And they're both of school age. They're quite young. Yeah. Yep. Yes. In the so I'm not sure how your circumstances work, but in the advice document last year, one of the things I had in there was the beneficiary side of it. So when children receive money as a as a beneficiary, if they're under the age of 18 or financial dependent, they actually don't receive the money up front. So if you would have passed away today and the mortgage Mhmm. was paid out, that 789,000 Mhmm. was then available, they don't split that $50.50 and give it to your minor children. It actually gets given to or Yes. passed through the guardian, so whoever is the guardian of the children in the event that you passed. So it could be, you know, their biological father or a sister or brother or someone else. Yeah. That It's my then it's is up currently to them. my sorry. It's currently my Yeah. okay. You're right. So he's he's Yeah. the working so, yes, I have a father who, obviously, I'm divorced from, but my will Yeah. states that my parents become the controllers of said super and beneficiaries. So I don't know if that needs to Mhmm. be updated. Okay. So then Yep. in my eyes, even though their father would become their guardian under my will, the guardian of my state is my parents, not him, if that makes sense. Yep. Yes. Yep.","start_word":8899,"end_word":9230,"sentiment":"neutral","sentiment_score":-0.029807843913110983},{"text":"And that's absolutely fine.","start_word":9231,"end_word":9234,"sentiment":"positive","sentiment_score":0.3505595028400421},{"text":"So with mine, Yep. I I'm in a very similar situation. So I had two children to my first husband, and he Mhmm. couldn't keep a dollar if it was, I don't know, for anything.","start_word":9235,"end_word":9269,"sentiment":"neutral","sentiment_score":-0.1490868330001831},{"text":"He was shuffled with money.","start_word":9270,"end_word":9274,"sentiment":"negative","sentiment_score":-0.423007071018219},{"text":"When Yep. we divorced and he didn't want anything to do with us, I made it so because in the event of me passing, my two elder children would still have to go back to him. So I stopped Yes. him from getting access to money through my will by making that my sister and my current husband's sister as joint executives and joint Yes. trustees of a trust. So all money goes into a trust. He has to ask them for money, and they have to sign off to make sure it goes to the children. My third child is with my current husband, and he will still have that child. So it was kind of Yeah. that making sure that my children could stay as close together as possible whilst understanding the rules, but making sure my ex husband got no money whatsoever, making sure And that that's anything probably I had would be looked after. Yeah. that's Sorry. probably the bit I I haven't done that next level, and I don't know how that falls, whether it's I mean, my solicitor does the will, not an accountant. But I should probably I mean, all the tax changes, I have no idea which way you go now with trust and whatnot. Yeah. That's the step I don't have. So, yes, say there's $700,000. I don't physically know where that's actually going if they're still children. Yeah. But I don't have that step that you just talked about where it goes into a trust. I just have my parents as the executive to my will, but there's no dictation on where those funds technically go. Yes. And that's probably the step that's really important to make sure that's Yeah. updated in your will is what happens when that money gets into the estate, how is it then distributed? Does it go into a trust and be held in a trust to be distributed to your kids at a certain time, at a certain age? Is it distributed to, you know, your sister or your parents to, you know, look after your children? That kind of direction is really important because that governs exactly how that money is to be distributed to your children and at what age and at what portion, essentially. Yep. And so can Yeah. I ask you, do you guys advise on trust? Who is best to do that bit? That's where I get a bit Sure. lost. We Honest have an accountant at work that's who okay. does Yeah.","start_word":9275,"end_word":9698,"sentiment":"neutral","sentiment_score":-0.07957627481060489},{"text":"trust, but, honestly, I don't trust him.","start_word":9699,"end_word":9705,"sentiment":"negative","sentiment_score":-0.3762132227420807},{"text":"I don't trust him at the moment The because best thing I'm to part do of a family for trust as yeah. well, but Yep.","start_word":9706,"end_word":9730,"sentiment":"neutral","sentiment_score":-0.23348356783390045},{"text":"I don't honestly understand it for my own children.","start_word":9731,"end_word":9739,"sentiment":"negative","sentiment_score":-0.45970091223716736},{"text":"Yeah. No. That's okay. So the best thing to do when it comes to the state planning side of things is we always recommend beneficiaries, and then we recommend how to, you know, to speak to a solicitor and how to know what to do there. But as a solicitor, a lawyer is the best person to talk to about your will and a testamentary trust, which is a deceased trust.","start_word":9740,"end_word":9810,"sentiment":"neutral","sentiment_score":0.077300526201725},{"text":"Accountants do living trust for self managed super funds and family trust and things like that, and that's great.","start_word":9811,"end_word":9829,"sentiment":"positive","sentiment_score":0.3808032870292664},{"text":"But when it comes to the deceased estate side of things and the estate planning, I would always speak to a solicitor because they understand the estate law. They understand the legislation around that, and they can help you to structure your beneficiary nominations in the best way to incorporate what you need to do. It does cost more to have it done that way, but I've Yep.","start_word":9830,"end_word":9897,"sentiment":"neutral","sentiment_score":0.06527601182460785},{"text":"always felt as the most it's the most valuable yeah.","start_word":9898,"end_word":9907,"sentiment":"positive","sentiment_score":0.48478949069976807},{"text":"I think it cost me $2,500 to have my will drawn up correctly, and it Yes.","start_word":9908,"end_word":9923,"sentiment":"neutral","sentiment_score":0.273456871509552},{"text":"was honestly the best $2 I've ever spent.","start_word":9924,"end_word":9931,"sentiment":"positive","sentiment_score":0.6260055303573608},{"text":"I walked away knowing that my kids were looked after, that everything was done, and that if anyone came out to contest my will, a judge would look at them and go, you're insane. That's not gonna happen. This this is going to kids. So Yes.","start_word":9932,"end_word":9977,"sentiment":"neutral","sentiment_score":-0.006068049930036068},{"text":"that was kind of why I found that really, really beneficial.","start_word":9978,"end_word":9988,"sentiment":"positive","sentiment_score":0.4474191963672638},{"text":"So we always recommend on your beneficiary nominations, but then when it comes to estate planning, we recommend you set up a will and power attorney and guardianship, but we recommend you speak to a solicitor to do that. That way, you're getting it done correctly. Yeah. Mhmm. Yeah. K. Yeah. Yep. Easy. And with the with the advice document if you want, what I'll do is I'll download this advice document that I sent in January. It has expired now, so I can always update the new one for you. Mhmm. But I I can resend this to you so you can have a look at what we had recommended, the reasoning behind it, and that way you can ask any additional questions you have. And it's still Yep.","start_word":9989,"end_word":10118,"sentiment":"neutral","sentiment_score":0.12889014184474945},{"text":"good it's still good to go through and have a read and look at what was recommended last time for you.","start_word":10119,"end_word":10139,"sentiment":"positive","sentiment_score":0.3467163145542145},{"text":"Is that okay? Yeah. That's fine. Yep. Yes.","start_word":10140,"end_word":10147,"sentiment":"neutral","sentiment_score":0.1682729870080948},{"text":"Beautiful. Excellent.","start_word":10148,"end_word":10149,"sentiment":"positive","sentiment_score":0.5243843793869019},{"text":"So with the new advice piece now, did you want me to I'll do the super and look at switching the investments for you. Mhmm. I'll look at you want me to do the child trauma again for you as well? Yep. Yep. And we had a 100,000 for each child. Do you feel like that's still okay and appropriate? Yeah.","start_word":10150,"end_word":10210,"sentiment":"neutral","sentiment_score":0.08289823681116104},{"text":"That'll be fine. Yep. Absolutely.","start_word":10211,"end_word":10215,"sentiment":"positive","sentiment_score":0.40840792655944824},{"text":"And did you want me to still look at the trauma policy for yourself? The 120 of trauma and life outside is super? Is that because it's a one stop thing? So I'm thinking life outside of Subaru is probably overkill given I have the other life Yes. insurance.","start_word":10216,"end_word":10264,"sentiment":"neutral","sentiment_score":-0.08009207993745804},{"text":"That's absolutely fine.","start_word":10265,"end_word":10267,"sentiment":"positive","sentiment_score":0.3658943176269531},{"text":"I think one of the biggest Yes. differences and the reason we sort of link it to, a, you get that funeral benefit, which you don't get paid out of when you hold life cover inside super, you don't get those extra benefits of having the upfront cost paid out. The Mhmm. the other side of that was it made the policy cheaper. The trauma health by itself as a standalone policy, whilst it doesn't normally cost very much, having a little bit of life linked to that trauma policy does give you that out of pocket cover, the funeral cover, but it also makes the trauma policy cheaper as well. I can look So, at both options and see yeah, which. that's fine. You're You right. can, yeah, Sorry. put it Yeah. in there. But then if I was to put that life, do I remove the Yep. super life one or no? No. I would probably You're keep saying it have as both? is. It's just an x. Okay. Yeah, it's just an extra little bit of life. I mean, you've already got Yep. a million and 47 there. It just means in the event of passing, there's an extra 120,000 that's paid out to your estate, which could cover, you know, additional loans if you have a car loan to pay out, more credit cards to pay out, or if your home loan increases a little bit there as well, there's an extra sort of buffer to pay out. Yeah. You don't have to. I can just do trauma by itself if you would like to. I normally link them because it does make it cheaper.","start_word":10268,"end_word":10546,"sentiment":"neutral","sentiment_score":0.09786885231733322},{"text":"Anything that we're paying out of pocket, if we can, you know, limit the cost as much as possible, that's always a good thing.","start_word":10547,"end_word":10570,"sentiment":"positive","sentiment_score":0.3749512732028961},{"text":"And these insurances, they're steps premiums. So they do get more and more expensive as you get older because the risk of Yes. you making a claim increases. Yep. Okay. Yeah. Yeah. If you like, I could make the the recommendation. These are just recommendations. I can show you the recommendations again as a whole advice page. And on the very last page of the advice document, we always put down, like, a multiline. It's just a text box. And if there's any part of the recommendation you don't wanna go ahead with, you can always just write that in there, and we just won't go ahead with that recommendation. I could Yep. look to recommend the life and trauma policy and show you the cost of that. And then in the appendices, just put the trauma policy stand alone so you can take the two options together and sort of make up your mind as to which one's better for you. Does that sound okay? Yeah. That's fine. Yep. Yep.","start_word":10571,"end_word":10741,"sentiment":"neutral","sentiment_score":0.012885814483620618},{"text":"Perfect. Trauma. Beautiful.","start_word":10742,"end_word":10744,"sentiment":"positive","sentiment_score":0.511926531791687},{"text":"And with the income protection, you sort of said that you weren't too worried about the income protection side of things at the moment. Did you wanna kinda revisit that, or are you happy without it? Or No. You can put it in there so I have at least a rough idea, yep. but I probably Yep. won't go ahead with that one. Yeah. Yep. That's okay. What I'll do is I'll do the income protection. You don't wanna increase the life Yep. and pay today to 1,000,000. You're happy with this cover amount we have at the moment, aren't you? Yeah. That's fine. Yep. Yep. Yep.","start_word":10745,"end_word":10851,"sentiment":"neutral","sentiment_score":-0.01849973574280739},{"text":"Beautiful.","start_word":10852,"end_word":10852,"sentiment":"positive","sentiment_score":0.3998567759990692},{"text":"I'll add the income protection into the recommendation and then just to sort of show you the difference. And then you've also you can all you can see on this to the occurrence of the cost of it currently, so you can sort of see what it increases by. Mhmm. Because the income protection is paid inside super, that's obviously effect has an effect on the projected outcome. So in the appendices, I can add the same projection that you'll have in the advice document but have it without the income protection policy. So you can kinda see the difference between the projected outcome with both. Is that alright? Does Yep. that sound okay? Yeah. That's fine. Yep. Yep.","start_word":10853,"end_word":10971,"sentiment":"neutral","sentiment_score":0.06873857492909712},{"text":"Beautiful.","start_word":10972,"end_word":10972,"sentiment":"positive","sentiment_score":0.6667226552963257},{"text":"It kinda just gives you options to see what I'm recommending, how this meets your goal, but then in the appendices, the additional research there. So, you know, what it looks like if you don't take the income protection, you know, how that's projected forward over the next five to ten years, the trauma policy by itself. So you can kinda weigh up the cost and work out what's better for you. Okay. Yep.","start_word":10973,"end_word":11046,"sentiment":"neutral","sentiment_score":0.10435331612825394},{"text":"Sounds good. Fantastic. Excellent.","start_word":11047,"end_word":11050,"sentiment":"positive","sentiment_score":0.6460035443305969},{"text":"Other than that, with the the recommendations for the beneficiary side of things, in the last advice document, we had recommended that you set up your your beneficiaries as legal personal representative because you wanted everything to be split between your two children. I will Yes. probably keep that recommendation exactly the same because that just means if you pass away, your life benefit and your super is paid direct to your estate. That way, everything can be incorporated into your will, and that way it's all sort of directed out to your children as per your wishes. Do you have any sort Mhmm. of questions or concerns about that kind of recommendation with the beneficiaries at all? Or What does that involve me doing? Making them what did you call them? A legal person. Is that what you called them? yeah. It's a legal personal representative. So on your benefit Okay. renomination, they have a tick box called the LPR or legal personal representative, and that essentially means that in the event of you passing, your super and your life proceeds are just directed straight to your estate. They're not directed to any particular person. It just goes to your estate. It gets lumped in with all everything else, your house, your car, your savings account, and the executor of your will goes about doing a final tax return. They pay out any debts that need you to pay out, and then they distribute the funds amongst your beneficiaries. Mhmm. And having Okay. legal personal representative just means that your super annual life benefits are all incorporated into your will. It's basically directing it all through your will. Does that make And so that would mean we're sense? currently Yep. state beneficiary details of my two kids that would change to the LPL. Mhmm. Is that what you're saying? It replaces that. It would. Yeah. Yeah. Yeah. Okay. Yeah. We Yeah. just have Okay. that updated to replace that. Because at the moment, with it being your two children, if if you were to pass away, the because they can't they're not over 18, they can't actually make the claim. So whoever's their guardian would have come and make the claim on their behalf, but then the money gets paid to the guardian or the guardian to split up to the children. So Yeah. it does Okay. mean Yep. that there's a lot more discrepancy if the guardian didn't spend the money correctly or use it or give it to the children or invest it for them. Yep. You know, that that can happen and does happen quite a lot. You know, money families always work really well until there's money involved, and then we sort of see lots of things coming out and happening. So it's always good to protect Yes. everyone. Yeah. Easy. So I will update this advice for you. Now I do not want this to take any longer than it needs to. So I'm gonna book you in to have this presented in about three weeks. Are you okay with that? Yeah. That's fine.","start_word":11051,"end_word":11570,"sentiment":"neutral","sentiment_score":0.02602881150535093},{"text":"Yep. Beautiful.","start_word":11571,"end_word":11572,"sentiment":"positive","sentiment_score":0.4245401322841644},{"text":"That way, you've got a bit of a deadline. As I said, I'm trying once you go and clean all of this up, I don't want things to take as long as they did last year. So I'm making sure that everyone has a little spot in there to be booked in so that there's a deadline for our team to have everything ready. So three weeks, that brings us to my goodness. August. One, two, three. Scary. That brings us to the August 13. Wow. What day normally suits you better? I don't so what day because you only do you do four days, don't you? Which day do you not work? I work Monday or Thursday. Okay. Technically don't work Friday, but if you only do Fridays, I will absolutely present Friday. It's not a No. problem at I'm all. I'm in the office five days, but a Thursday actually Okay. works better because the boys stay their dead on a Thursday night. So means I don't have to rush the pickups. Okay. Yes. Yeah.","start_word":11573,"end_word":11749,"sentiment":"neutral","sentiment_score":0.06188506607787084},{"text":"That's So I'm okay. happy if you have a late slot, whatever your late slot would be.","start_word":11750,"end_word":11766,"sentiment":"positive","sentiment_score":0.3987855315208435},{"text":"Absolutely. So Thursday is my late day. It does, unfortunately, look like I am pretty well booked out on that for the next six weeks, but I'm going Oh, wow. to do it Okay. for you on the Wednesday. So, the Wednesday, the nineteenth. It does mean it's four weeks away, but the Wednesday, the fourteenth, I can do a late as well, and I'll pop it in there. Did you want sort of four, five, or six? What time suits you better on the Wednesday for the late? On the nineteenth? Yeah. Or it's only a Thursday sort of preferred the No. the Well, late for Thursday, I sorry. What I meant was I don't have to leave the office yeah. to get the boys, whereas the other day, I actually still have to go get my kids. So the Okay. Sorry. no. That's alright. The Wednesday I can do it from the office if we started at, like because I'm assuming Yep. it's, what, an hour again. So if we start at 03:30, Yeah. that's I just closed my office door and, yeah, I can do it then. Yep. That's okay. Not a problem at all. I'll book it out for two hours. That way, if anything comes up and you need a little bit more time or you need to push it back, that way you've got plenty of time there. So that'll be the nineteenth. It is four weeks away, but I've got that booked in there for you.","start_word":11767,"end_word":12019,"sentiment":"neutral","sentiment_score":0.07171866297721863},{"text":"Beautiful.","start_word":12020,"end_word":12020,"sentiment":"positive","sentiment_score":0.6169208288192749},{"text":"Did you want me to send you the invite as well or just an email with the confirmation date and time so you can block your calendar out as Yeah. well?","start_word":12021,"end_word":12051,"sentiment":"neutral","sentiment_score":0.16105204820632937},{"text":"That'd be perfect. Yep. Thank you.","start_word":12052,"end_word":12057,"sentiment":"positive","sentiment_score":0.5504245758056641},{"text":"Yep.","start_word":12058,"end_word":12058,"sentiment":"neutral","sentiment_score":0.22614966332912445},{"text":"Perfect. That's okay.","start_word":12059,"end_word":12061,"sentiment":"positive","sentiment_score":0.4169079959392547},{"text":"Not a problem at all.","start_word":12062,"end_word":12066,"sentiment":"neutral","sentiment_score":0.30821332335472107},{"text":"Beautiful. Excellent. So that's all booked in. I've got a really good idea of where we're gonna go with the advice, which is fantastic.","start_word":12067,"end_word":12090,"sentiment":"positive","sentiment_score":0.6542827486991882},{"text":"I just wanted to update a couple of additional things with regard to your back line. I know Sammy went through and updated as much as possible. I've got your income. So they're looking at a 155,000 to focus on the income protection side of things. Your 100 and salary 65. sacrifice, Sorry. your oh, so sorry Sorry. about that. My apologies. One Have six you gone? 5. No. Yeah. You're fine. Probably sounds One yep. six five. No. That's okay. Good thing we clarified that. Salary sacrifice, we're still doing $200 on a fortnightly basis. You're happy discontinuing that. You didn't want us to look at Yeah. increasing or altering that at all? No? No. No. I don't think so. Not yet. Yep. Nope. That's okay. Dedicated savings. Are you finding that you've got some dedicated savings every week out of your income that you are able to put away, or are you finding it's a bit harder expenditure wise? No. I am. Yeah. No. I'm still putting the same sort of chunks away. Obviously, it's a bit more now because my salary went up. But, yes, Yep. I've put away some money for investing, and I save $6.07 about $7.50 or fortnight. 750 a fortnight. Beautiful. Yeah. Yeah. There I we split go. it into Excellent. funds. So but that's Okay. surplus money. Yeah. So it's savings. Yep.","start_word":12091,"end_word":12320,"sentiment":"neutral","sentiment_score":0.019060108810663223},{"text":"That's perfect.","start_word":12321,"end_word":12322,"sentiment":"positive","sentiment_score":0.37351343035697937},{"text":"And then I've got your share portfolio here. That was about 32,000 in value last time. Has that increased a little bit since then? Yes. It is 47,000. Oh, fantastic. No. 37,000. Fantastic. I've got your vehicle, the Santa Hyundai Santa Fe, valued Mhmm. at about 35,000. What's the value? Would you put on that now, do you think?","start_word":12323,"end_word":12381,"sentiment":"neutral","sentiment_score":0.07172215987644079},{"text":"Probably dropped again because it's another year.","start_word":12382,"end_word":12388,"sentiment":"negative","sentiment_score":-0.4004986584186554},{"text":"So, Yep. I mean, I would I'm actually looking at swapping cards as in trading cards, but Yep. I'd honestly just keep it the same. It wouldn't have dropped a huge amount in that time. Yep.","start_word":12389,"end_word":12424,"sentiment":"neutral","sentiment_score":0.010286491364240646},{"text":"That's okay. Perfect.","start_word":12425,"end_word":12427,"sentiment":"positive","sentiment_score":0.441705584526062},{"text":"And then content evaluation at 250,000. Would you keep that the same? I possibly moved it up, actually. But, yes, just keep it the same for the purpose of vehicle as well. Yep. Yes. Yep.","start_word":12428,"end_word":12462,"sentiment":"neutral","sentiment_score":0.1266796737909317},{"text":"Perfect. I've got all the other details here. Absolutely fine.","start_word":12463,"end_word":12472,"sentiment":"positive","sentiment_score":0.4344365000724793},{"text":"Just double checking with because I'm sort of looking at the the insurance side of things again. I just wanted to clarify that being no major changes in your health since we've last done a pre assessment with you. Just No. sort of clarifying that oh, good. No. The only I thing did I have noticed he yep. sorry. Right. I I still do I actually just had two more biopsies. I'm covered in moles, so that would have been Oh, detected wow. that one time. Yeah. I have 68 that they monitor. But Okay. he did two biopsies. They were perfectly fine. Unfortunately, it's the only way to detect properly melanoma Yes. is Yep. to take them out. They've never I had one that was in situ, which would be on the policy because I had to send the documents through three years ago. So Yes. he's now actually moved me back to yearly consults instead of six monthly because he said you've had nothing in three years. And even that one wasn't Okay. in. So it's the earliest possible form that you can find it. Yes. So no. No other health issues. No changes there.","start_word":12473,"end_word":12669,"sentiment":"neutral","sentiment_score":-0.015258628875017166},{"text":"Perfect.","start_word":12670,"end_word":12670,"sentiment":"positive","sentiment_score":0.3855449855327606},{"text":"Excellent. And when was your last checkup to have the moles checked? Just last June? June. This year? Yes. Beautiful. I'm just thinking I've got some which I can't skin check. There we go. The June 23 was when I went in a month ago. Twenty third.","start_word":12671,"end_word":12717,"sentiment":"neutral","sentiment_score":0.002832444151863456},{"text":"Beautiful. Awesome. Yep. Thank you so much for that. Lovely.","start_word":12718,"end_word":12727,"sentiment":"positive","sentiment_score":0.7384841442108154},{"text":"I'll just make sure that we're double checking everything so that in the advice, they'll keep the same as last time. We can kind of outline what's expected when it comes to, you know, the policy and writing the insurances to see get an idea Mhmm. of what the expectation might be.","start_word":12728,"end_word":12779,"sentiment":"neutral","sentiment_score":0.16154849529266355},{"text":"Easy. Everything's looking really good.","start_word":12780,"end_word":12784,"sentiment":"positive","sentiment_score":0.6037010550498962},{"text":"I just also wanted to do a quick risk profile questionnaire as well. So I've answered most of these questions because, realistically, you've got shares already in your own name, and Yep. with Super, you can't access that until at least 60 at the moment. Yep. In the next sort of twelve months, if we saw the markets fall by 20% due to what was happening globally, how do you think that might make you feel? Are you wanting to put more money in, take advantage of the downtime? Are you likely to hold and wait and call us, or are you a bit nervous and wanting to cement those losses? How do you think you might be No. I'd probably buy. I'd just leave it and feeling? buy more. Yep. I think that's Beautiful. back. Yeah. Excellent. The other one here and and I'm one of the things you told, Tammy, was that you were looking at maybe, you know, trying to look at other strategies like, sorry, debt recycling. Is that something you're Yes. still sort of planning to look at doing? Or Yeah. I'm sort of in a a freeze frame, if you call it that. So last Mhmm. December, I had I was in contact with a company that basically source and buy you and build your investment property and, you know, Mhmm. sign up with them, do all of that, and, you know, they you know, it's just one of the it was OpenCorp that I was looking at. And because Yes. I would like to either buy investment property or debt recycle and potentially put into shares. However, given the just the change with the government, neither of Yes. them look appealing to me to make money. Yes. But I did mention to Samantha that I was interested in the concept of debt recycling and, I guess, getting some advice on it. And Yep. because I I just seem to have a lot of surplus in my principal, the property that I live in, Yes.","start_word":12785,"end_word":13125,"sentiment":"neutral","sentiment_score":0.0070647714315446595},{"text":"Yep. and how I could utilize that now for long term.","start_word":13126,"end_word":13136,"sentiment":"positive","sentiment_score":0.5001101493835449},{"text":"Yes. Yep. Yeah.","start_word":13137,"end_word":13139,"sentiment":"neutral","sentiment_score":0.261808842420578},{"text":"Absolutely.","start_word":13140,"end_word":13140,"sentiment":"positive","sentiment_score":0.47564420104026794},{"text":"So debt recycling is very much a long term strategy. I do advise on it. It is a very complex strategy to take on. It is technically a form of gearing because you are using money that you have borrowed to invest. Yep. Have you looked at how the sort of strategy works? Do you understand much about it and how it actually works? Just to find out. Yeah. So if I'm not wrong well, I mean, I probably don't have the, you know, technical sides right. But, yes, I essentially That's okay. can draw down on the what I have in equity well, not full equity. Obviously, only what they would deem that I can service. But say if I pull a $100,000 from those surplus, that sort of becomes its Mhmm. Yep. own new loan in a sense because that money Yes. is then Yep. invested into shares. So, therefore, that component of the loan, that's where you can benefit on the interest. Is that right? Yep. That's At right. tax Yeah. time? So with the Yes. yeah. So there's one of two ways of doing it to start with is that you can utilize and borrow more against equity. So you release some of the equity in your property. Say, they normally like between sort of 50 to a 100,000 to start because you get much better tax advantages that way, Mhmm. or you can be paying down more onto your loan. That either the equity release or if you pay more onto the loan, you need to split that off from your main loan. So you end up with a secondary investment Yes. loan. If you put, say, 50 or 60,000 onto your actual mortgage, that is redrawn off, and the loan is split. So they have to split the loan so you have a separate 50 or $60,000 loan, and that money has to be physically redrawn off your mortgage. That way, it is used for investing purposes. With equity release, Yes. they do have a separate equity loan. That money is, again, withdrawn off the loan. It has to be put onto the actual home loan then redrawn off for it to work. Then we invest that in a portfolio very similar to what you've got in your super debt into shared portfolio. That money is sitting there. We can do it one of two ways, is we can have the income drawn out of the investment portfolio on a regular basis, and that gets paid into your main primary loan. You're actually paying back the interest and the principal if it's the loan set up that way on the investment side of things, but you're still paying back your nondeductible loan for your main primary mortgage debt. The the income and the growth is then taken or whatever you get. So say you've got a, you know, 10% return for that year, the 10% Mhmm. difference on the growth in the income from your investment loan or from your investment is deducted and put onto your main primary residence, and then the whole process starts again. You then split that loan, and then that money gets invested, and the same thing happens again. And it's essentially a cycle. It happens every 12 months. Yes. I have in the past worked that that income is just taken directly out of the investment and put straight onto the main primary residence line because then you see income being paid out regularly. It can happen every 12 months. We like it to happen every 12 months, but times with market ups and downs, it means that you can't split the second part of the loan or chain or do the next part of the cycle for one or two or three years.","start_word":13141,"end_word":13776,"sentiment":"neutral","sentiment_score":0.079873730258653},{"text":"There is always a risk that when markets are down or not performing as well, that the rate of return you're receiving in the portfolio is less than you're paying on the actual loans itself as well, so you end up paying more in Yep.","start_word":13777,"end_word":13821,"sentiment":"negative","sentiment_score":-0.3811460435390472},{"text":"interest.","start_word":13822,"end_word":13822,"sentiment":"neutral","sentiment_score":-0.26974165439605713},{"text":"No. That is a risk to it.","start_word":13823,"end_word":13829,"sentiment":"negative","sentiment_score":-0.5273386240005493},{"text":"Yeah. And it's it's definitely a long term strategy. So I know some advisers out there try to do it Yep. in three or four or five years. I personally like to be more conservative with projecting, and I know the risks and understand markets quite well. So I know that markets do have downtime. So I do like to do it over more of a ten to twenty year period. It is more it is more conservative that way. You can pay the loan down a lot faster if markets perform better, but it's just more of a realistic understanding that markets don't always have good years.","start_word":13830,"end_word":13937,"sentiment":"neutral","sentiment_score":0.036670153926092165},{"text":"Generally, every seven to ten years, we do expect a big negative drop. And if we think back to the GFC, that was a huge drop of around 60% in the market, but it took six to seven years for the market to recover from that.","start_word":13938,"end_word":13983,"sentiment":"negative","sentiment_score":-0.3885313272476196},{"text":"So it is a realistic view of investing, but debt recycling is a great strategy.","start_word":13984,"end_word":13998,"sentiment":"positive","sentiment_score":0.43902215361595154},{"text":"It doesn't pay the your main primary residence off any faster. It just changes your your loan structure. So it goes from being a non tax deductible debt into a tax deductible debt depending on what happens at the end of that loan. Some people prefer to take the principal out and pay the loan off completely and keep, you know, the investment open with whatever growth and income they've received. Other people prefer to just kinda keep it open permanently. It just sort of comes down to what your goals are and how that strategy works best for you. The other option is obviously buying an investment property. I know with Mhmm. the changes in what's happened over the past couple of months, as of June, it does make it a little bit harder. We still can Yep. utilize negative gearing if you are looking at purchasing a brand new residence. So if you buy a new home and it's built, you can still utilize negative gearing moving forward. Yep. And, I mean, with the new changes, I don't a 100% hate them. I did read through the Yeah. legislation when it came out, and, realistically, it's not a bad strategy. It's not a bad structure. It just means that if you're looking to say and I'm finding this is probably changing a lot of the way investors think about property because property does grow at a pretty significant rate over longer term. So I have got a few clients who are now looking at just holding properties for, say, the next five, ten, twenty years, getting to retirement and selling that off. And if it's not a new build with the with the negative gearing not being a factor anymore, they essentially make your loan continuously neutrally geared. So if you, you know, earn income from the property of 20,000 and your expenditures are 30,000, they make it neutrally geared on your tax return, so your expenses are no more than 20,000. And the extra 10,000 is, you know, capital set. It's held. You know? The losses just continuously build until you sell the property, and then they subtract any previous losses off the gain. So it can reduce your capital gain at the end of it.","start_word":13999,"end_word":14377,"sentiment":"neutral","sentiment_score":0.15456971762048224},{"text":"It's actually not bad.","start_word":14378,"end_word":14381,"sentiment":"positive","sentiment_score":0.38999220728874207},{"text":"K. So Yeah. it says losses, Yeah. though. How do you get losses on property? So I know it's that sounds it's like a dumb essentially question, a difference but I'm like, no. It's that yep. it's honestly not. I promise you. It's definitely not. It's the difference between what you earn in income from the property versus what you're expenditure is. So when Yep. you think Okay. about Yep. property, your income is the rent you receive from that property. Your expenditure is everything you spend on that. So with the the loan you have for the property, the the principal you pay back is not tax deductible, but the interest is. So Yeah. you Okay. can claim the interest you're paying back on the loan, the management fees if you have a real estate agent looking after the management of it, your insurance is on the property, your council rates on the property, if you have someone come and mow the lawn once or twice a week, if you, you know, have to replace things, if you get a painter to come in and do things, if you have to fix the water heater or get, you know, solar panels and things on the property, any maintenance of things that you do to the property, all of that is considered your expenditure, your water bills, if it's, you know, a raised any home and you pay water. Everything you pay on the property is essentially your expenses. If your Mhmm. expenditure is less than you're making an income, you've essentially made a loss Could've for that lost. year. Yeah. At the yeah. At the moment, we can claim that loss against our income, and it reduces our taxable income.","start_word":14382,"end_word":14672,"sentiment":"neutral","sentiment_score":-0.05141847695886474},{"text":"As of the July 1 year, that will unfortunately not be the case for anyone who's purchased property after the May 12 at 07:30PM this year.","start_word":14673,"end_word":14698,"sentiment":"negative","sentiment_score":-0.4749204516410827},{"text":"Yep. At yeah. May 12. Fine. So what'll You can happen claim it then back Yeah. Okay. At the end when you go to fill Yeah. up. That's correct. Let's say you had a $10,000 loss every year. As much as on your tax return, Yep. you're not getting that advantage direct that year, that 10,000 loss continues to it just stays continuously. It adds up. So, say, over ten years, you had a $10,000 loss. It's a $100,000. When you just go to Mhmm. sell that property, you work out your capital gain, and then you subtract the loss from that. So it reduces your capital gain, which is not a bad structure. It means that you end up paying less DGT tax at the end of it as well, which isn't a bad structure. I've had a lot Yes. of people go, are you serious when I say that? But after, like, going through and reading the legislation, I don't hate it entirely.","start_word":14699,"end_word":14863,"sentiment":"neutral","sentiment_score":-0.031388454139232635},{"text":"If you were to buy a brand new build, you still get access to the negative gearing.","start_word":14864,"end_word":14880,"sentiment":"negative","sentiment_score":-0.5430830121040344},{"text":"So if you found, you know, someone who's building a property and house and land packages are often a lot cheaper than buying a new house anyway, So buying a a current house anyway. So, you know, if you found something like that, that would be a good option.","start_word":14881,"end_word":14929,"sentiment":"neutral","sentiment_score":-0.0921795666217804},{"text":"We can definitely provide advice around it.","start_word":14930,"end_word":14936,"sentiment":"positive","sentiment_score":0.43373095989227295},{"text":"We don't find the property for you. That's more of a prop like, a buyer's agent. We do have access Yes. and can, you know, refer you through to a buyer's agent. They normally charge about 10,000 to help find you the property. But, yeah, if it's something you wanted to look at, I would essentially look at your goals, what you're wanting to do long term, whether you're wanting to hold property, whether you're wanting to pay down your mortgage, what your goals are, and then build a strategy that works for you, whether it'd be holding property right to retirement, paying the mortgage down, and then living off the income to supplement super, or whether we hold property, look at how much it's been growing, sell it off, cement the gain, and, you know, you would use the money in retirement some other way.","start_word":14937,"end_word":15082,"sentiment":"neutral","sentiment_score":0.2542627453804016},{"text":"We can definitely provide advice in that area. It just comes down to what your goals are as to what the strategy is that works for you.","start_word":15083,"end_word":15109,"sentiment":"positive","sentiment_score":0.44343847036361694},{"text":"When Mhmm. the other thing I do have to be mindful of as an adviser is the income tax act. So I can't provide advice solely for the purpose of reducing tax.","start_word":15110,"end_word":15141,"sentiment":"neutral","sentiment_score":-0.1829768717288971},{"text":"It is unfortunately section four a of the Income Tax Assessment Act 1936 and 1977, where if we provide advice your goal is solely to reduce tax, it seems a tax avoidance issue.","start_word":15142,"end_word":15174,"sentiment":"negative","sentiment_score":-0.38873645663261414},{"text":"So what I would want to No. make It's sure fine. is that you have a goal, that your goal is essentially whether you want to supplement super in retirement or whether you just wanna build wealth now and sell it off to, you know, have extra money in retirement to boost your super or, you know, have a have a house and pass it down to your children as estate planning. So the side of thing, it's just about working out what your goal is and which which strategy works best in line for you there, whether it is, you know, to invest and build wealth now, not worrying about paying down your mortgage, but changing your debt so it's more tax effective for you and building wealth that way in the shorter term, then, you know, debt recycling could be a way to go there.","start_word":15175,"end_word":15321,"sentiment":"neutral","sentiment_score":0.20517176815441676},{"text":"So there are definitely strategies that we can help you with. I love doing things like that.","start_word":15322,"end_word":15338,"sentiment":"positive","sentiment_score":0.4994197785854339},{"text":"They are more complex. Mhmm. When it comes to fee structure, I don't wanna sugarcoat anything. I wanna make sure you have all the information there. With the fee structure, you pay the 1.65% for us to look after your super, but advice fees have to meet a sole purpose tax. So when it comes to advice outside of super, investments, we do also charge an implementation fee, especially for debt recycling, an implementation fee for going through the advice for that one. And I've actually got that here because we've actually just gone through and reupdated these. The implementation fee would be 2,200, especially for debt recycling, and that would have Mhmm. to be signed as per a letter of engagement. And then for having the investment set up and investing the funds and monitoring it, we do charge 1.65% out of the investment for the ongoing monitoring maintenance of the investment account as well. So just so you're fully aware and you understand Yep. that there is a there are fees for the extra advice, especially outside of Super because we can't charge we can't charge you inside of Super for advice outside of Super. It doesn't meet the sole purpose test, and they don't allow us to do it that way. But is this something I wanted to make sure you're fully aware of, that I'm being you know, fully disclosed so you can take that away and understand that and work out what your goals are? And then let me know what you wanna do, what you you know, when you wanna have more of a conversation, and we can absolutely look at what's happening for you. Yep.","start_word":15339,"end_word":15620,"sentiment":"neutral","sentiment_score":0.09664048999547958},{"text":"Sounds good. Perfect.","start_word":15621,"end_word":15623,"sentiment":"positive","sentiment_score":0.5108160376548767},{"text":"Do you have any questions? I'm sorry. I've touched on a lot. No. No. That's yeah.","start_word":15624,"end_word":15639,"sentiment":"neutral","sentiment_score":-0.03025760129094124},{"text":"That all sounds good. Yes? Oh, good.","start_word":15640,"end_word":15646,"sentiment":"positive","sentiment_score":0.6054708957672119},{"text":"Yep. It is a lot to go through. Did you want me to send you any kind of recap emails there or any Yeah.","start_word":15647,"end_word":15670,"sentiment":"neutral","sentiment_score":0.08098653703927994},{"text":"If you anything could, that would with be good.","start_word":15671,"end_word":15679,"sentiment":"positive","sentiment_score":0.38663119077682495},{"text":"Yeah. yep. No worries I know it's at a lot, all. but, yeah, I guess what we're gonna Yeah. do initially with the and the insurances, Yeah. and then Yes. what other things, what you've just mentioned, you can advise on, and then you can Yeah. pop the fees in there too. Yeah. Yeah. Absolutely.","start_word":15680,"end_word":15734,"sentiment":"neutral","sentiment_score":0.04772397130727768},{"text":"Not a problem at all. I'll do that for you now.","start_word":15735,"end_word":15745,"sentiment":"positive","sentiment_score":0.439341276884079},{"text":"I do have the updated financial services guide, which they are releasing, which has all of that in there. So I will get a copy of that to attach to that doc to the email so you can sort of see that and run your eyes over it. It outlines the fee structure, how it works, and the different fees for the different areas of advice that we advise on, especially outside of Super. Yep. Next year, they are updating our fee structure to be more of a tiered structure. So, essentially, at the moment, the fees are 1.65% inside super and investment, and they're capped at 600,000. Moving forward, they will be more of a key structure. So when your balance hits 600,000, the fees stay on, but the the actual percentage decreases. That is not happening this year. That's happening as of next year. So the ongoing service agreement you have attached there is the same as it has been for the last couple of years. And when that fee structure is fully updated and we have your next review, I'll make sure that you're fully aware of that, and I'll send you and show you what it looks like before you choose to sign on to that. But as I just wanna kind of because everything's kinda changing at the moment, I just wanted to make sure that I'm open and letting you know, you know, things are changing. Things things are happening, but this is what you're up for now. And it's reviewable, and you're never locked into a contract either.","start_word":15746,"end_word":16010,"sentiment":"neutral","sentiment_score":0.10343895107507706},{"text":"So if you decide that you're unhappy with everything, I haven't lived up the expectation, you can say, Dana, I'm done.","start_word":16011,"end_word":16031,"sentiment":"negative","sentiment_score":-0.37910372018814087},{"text":"I'm out, and I will turn the fees off.","start_word":16032,"end_word":16040,"sentiment":"neutral","sentiment_score":0.013634668663144112},{"text":"I'll help you roll out to wherever you wanna be, and I'll thank you for your time.","start_word":16041,"end_word":16057,"sentiment":"positive","sentiment_score":0.6123825311660767},{"text":"And, you know, we'll we'll go from there. But I just want to make sure I touched on everything that is important to you, answered the questions. If I haven't answered anything to your standard, please let me know because I'd love to Yep. make sure that I'm doing everything right by you, and I do wanna make sure I've catch up with her. Moving forward, would you like catch up more every month of your three months or six months? What's preferable for you moving Three forward? three is probably preferable because it just means I can ask questions Yep. if I need to without having to Absolutely. think back six months worth. Yeah. And Yeah. I guess I Absolutely. know I said the two hun the 200 for salary sacrifice. Sorry. I'm bouncing back. But in the advice, Yeah. if it's better that I put more in I don't know how Yep. you base Yeah. that off. I'm, yeah, I'm equally happy to increase that because that does benefit me long term, but I've just Yeah. never Absolutely. changed it again. Yeah. No. That's absolutely fine. Not a problem at all. Well, just with the goal for super so I can sort of project that forward for you and look Mhmm. at it. In the advice document, I know back when they did the original advice document, you were given essentially twenty year projection. I don't do that. I stop at five or ten years. But in the back end, Okay. I do project things out even further. It's just about making sure we're not providing because rates of returns change, and I don't like the idea of telling you you're gonna have $6,000,000 in retirement when you're probably actually gonna not because markets go up and Yep. down, and we do see very large dips in the market in the short term. So it's about Yep.","start_word":16058,"end_word":16376,"sentiment":"neutral","sentiment_score":0.028967126538293864},{"text":"just making sure that I'm giving you a conservative projection and keeping you on track. I would like to underperform and make sure your projected your actual outcome is better.","start_word":16377,"end_word":16406,"sentiment":"positive","sentiment_score":0.5274337530136108},{"text":"So I will project that in the back end for you, but the advice document shows sort of five and ten years to make sure that we're not doing anything crazy. I think also when Yes. it comes to advice documents, don't let people to project out, you know, thirty years down the track because it's not always it inflates the projections pretty heavily, especially when the performances you know, certain investment portfolios might have received a a 15 or 15% return over the past five years. There's no guarantee they're going to get that over the next two or Again. three or five Yep. years. So we have to use those returns because that's what it has performed or how it has performed in the in the past, essentially. So it's about making sure we're not overinflating things. But I'll do it in the back end, and I'll have a look at what the 200 looks like for you. If we need to maybe look at increasing that, I'll recommend it and show you how and why the advantages disadvantages of this involved, and then you get to take that away and decide whether you're happy with that or not. All of my advice documents do also have yes. Sorry. You're at The other thing that I've yes. never done, and Mhmm. I appreciate currently I have a lot of surplus Mhmm. on my mortgage. I've never Yes. done the drawback. It's probably the wrong term where you can draw back the maximum that I could have paid into my super. Is it three or five years? There's some sort of rule where you can do that. Is that right? Where I can inject because you know the the thresholds? I don't even know if I'm talking about the same Super funds have a threshold per year that you can put into it. Right? I think it was 27,000. Oh, It might be 30 the con thousand now. yes. The the contributions But then cap. there's Yes. like yeah. There's a is it a rule where you can go back is it five years? Because you haven't Yep. Yes. contributed, and you can inject that Yeah. in one yeah. I've Absolutely. never used that, Yes. but, obviously, I'm mindful Yeah. I have super things rather clever now with, yes, I know Yeah. the tax changes aren't all bad, but I've never used that. So I guess in one sense, I do have a lot of cash sitting on my home loan. Yes. It's Yeah. drawing Yep. down in my home loan, but that's gonna be paid off regardless. Is it Yep. better that I inject on my drawbacks, whatever they're called? You could yeah. You could yeah. You could do. So they're called the carry form contributions. I Yep. can have a look at that for you as part of the advice. Essentially, what I would wanna be doing is looking at whether it's worth keeping it on the mortgage. So looking at how that's gonna benefit you versus putting the money in the super. You can do it in two ways. So salary sacrifice is what you're doing at the moment. There are other Yep. options where you've got sorry. I've got the hiccups. I do apologize. Yes. You can also do what's called a deductible contribution where at the end of the financial year, if you haven't used the whole of your cap space that year and wanna make, like, a lump sum contribution, you absolutely can. Yes. But you look at what you have carried forward contribution from the last five years, and your ATO will show you eligibility for that. Essentially, Okay. eligibility wise, you just have to be able to show that your balance is under 500,000 as that 30% during the financial year prior, which yours is. That's absolutely fine. Mhmm. You're also under the age with of the requirement, which is fine. Yep. So, yeah, you should be able to have a look at your MyGov account. In MyGov, if you Okay. go to the ATO section, then super, and then the menu and its information, it should then tell you carry forward contributions. If you click on that, it tells you eligibility and then has the last five years broken down for you. We Okay.","start_word":16407,"end_word":17130,"sentiment":"neutral","sentiment_score":0.06228647915162763},{"text":"can use it in one of two ways. As a deductible contribution, if you do that at the end of the financial year or you can be doing it in, like, smaller amounts on a regular basis, it actually lowers your tax it uses a tax deduction.","start_word":17131,"end_word":17177,"sentiment":"positive","sentiment_score":0.4135063290596008},{"text":"Mhmm. Yeah.","start_word":17178,"end_word":17179,"sentiment":"neutral","sentiment_score":0.28760552406311035},{"text":"So, It does. like, Yep. salary sacrifice comes at free tax, so it reduces how much tax you pay on your income for that week or that fortnight.","start_word":17180,"end_word":17207,"sentiment":"positive","sentiment_score":0.3623211681842804},{"text":"Whereas if you Mhmm. take a lump sum $5,000 at the end of the financial year and put that into your super as a deductible contribution, because it comes out of your after tax Yep. money, once it goes into super, we claim a notice of intent. That means the super fund deducts 15% tax. Yes. You pay tax on the same amount of money twice.","start_word":17208,"end_word":17273,"sentiment":"neutral","sentiment_score":0.20401932299137115},{"text":"You can then take that $5,000 back and claim it as a tax deduction, and it helps reduce your taxable income by $5,000. So there are those advantages Yep. that you can look at doing there.","start_word":17274,"end_word":17309,"sentiment":"positive","sentiment_score":0.4269813597202301},{"text":"It's up to you whether you wanna just focus on this part of the advice first, and then we come back and look at that again. The same as always if I do three advice documents in a year, you don't pay anything for that in relation to super.","start_word":17310,"end_word":17358,"sentiment":"neutral","sentiment_score":0.2307398021221161},{"text":"That's all part of your ongoing service agreement, and I'm happy to come back and look at that.","start_word":17359,"end_word":17376,"sentiment":"positive","sentiment_score":0.6161136627197266},{"text":"If you just want me to, we can do the advice on this now. And then in May next year yeah. In May next year, I can make a little calendar invite to check-in, and I can say, hey. Look. We've got this much space left over. Have you got any extra cash? Do you wanna make a deductible contribution?","start_word":17377,"end_word":17436,"sentiment":"neutral","sentiment_score":0.26324114203453064},{"text":"It definitely Yep. works better for higher income earners because it can look to reduce you back a tax bracket a little bit.","start_word":17437,"end_word":17459,"sentiment":"positive","sentiment_score":0.4857575297355652},{"text":"It's, you Yep.","start_word":17460,"end_word":17462,"sentiment":"neutral","sentiment_score":0.23517540097236633},{"text":"know, to help you get a bit more back on your tax return, which could be an advantage. So we can absolutely And I do think that for you.","start_word":17463,"end_word":17491,"sentiment":"positive","sentiment_score":0.5181835293769836},{"text":"Yeah. I will push over because I think one eighty one is the next tax bracket. I could be wrong. I've got them here in front of me, actually. I potentially get $20,000 in bonuses, if not 30. Okay. So it means now that my base is higher, although it's great, it'll push me Mhmm. is it one eighty one? Is that the next tax bracket? I think I'm just under it. We go from one one thirty five to one ninety. Oh, sorry. One ninety. Okay. So but if I do get yeah. 20,000 will put me right under it. But if it pushes Yep. Mhmm. to 30, I will fall into that Yep. Yeah. high And one. even making Yeah. something So as as much as 1 or 2 or $3 could absolutely, you know, push you back under that tax bracket a little bit. And, yeah. you know, So even if I you're wouldn't taking mind that money doing off the mortgage yeah. Yeah. yes.","start_word":17492,"end_word":17659,"sentiment":"neutral","sentiment_score":0.09735067933797836},{"text":"Absolutely.","start_word":17660,"end_word":17660,"sentiment":"positive","sentiment_score":0.3363175094127655},{"text":"It's benefiting me Yeah. one way or another. It Absolute doesn't yeah. absolutely. Yeah. And, I mean, if you get a little bit extra tax back, you you put that money in the super, but then if you reduce your tax and get a bit more back, you can put that back onto the mortgage as well. So it's kind Yeah.","start_word":17661,"end_word":17721,"sentiment":"neutral","sentiment_score":0.268289715051651},{"text":"of giving you that double benefit there. So we can absolutely look at doing that.","start_word":17722,"end_word":17736,"sentiment":"positive","sentiment_score":0.4162800908088684},{"text":"Did you want me to factor that into the advice now for you or just maybe hold up until end of financial year and look at what your income is then? What would you like to do with that? Yeah. Probably I mean, you can make a note on it that we're gonna look at that. Yep. But if you just more so tag that one for the May discussion or whatever the Yep. quarter is Absolutely. that we discussed before it, then I can see I'll know where my income's at and how many bonuses and Yep. whatnot by then. Absolutely. Yep.","start_word":17737,"end_word":17839,"sentiment":"neutral","sentiment_score":0.1500334949458687},{"text":"Yeah. Perfect. No problem at all.","start_word":17840,"end_word":17845,"sentiment":"positive","sentiment_score":0.5362160205841064},{"text":"And I'll send this email shortly for you. That way, you've got Okay. a bit of a recap going through all the things that we've gone through. I'll have your old advice document there as well. I've booked you in for the next month, so I'll add a little note there on the email with our next appointment for your advice presentation to go through with you. And if you have questions or anything else, come back and let me know.","start_word":17846,"end_word":17926,"sentiment":"neutral","sentiment_score":0.1879635900259018},{"text":"I'm happy to rebook you in to talk about anything.","start_word":17927,"end_word":17936,"sentiment":"positive","sentiment_score":0.6019308567047119},{"text":"If there is anything you need, I am, like, taking as many calls as I can off the cuff. So if you call in and go, hey. I need to talk today. I've got these questions. The team will always ask me if I'm available. And if I'm not on the phone, I will always try to take the call. So I'll Okay. make sure that I'm available when you need, and I'll make sure that we have a three month catch up from from the August 19, three months on. That way, we can kind of make sure we do those catch ups for you, and you'll hear from Sammy. She's the one that's gonna give you a call and book you in for those catch ups and make sure that you're all looked after with me. So we're we're Yeah.","start_word":17937,"end_word":18078,"sentiment":"neutral","sentiment_score":0.1241995245218277},{"text":"Perfect. striving to do better this year, and I really hope I do.","start_word":18079,"end_word":18091,"sentiment":"positive","sentiment_score":0.4181800186634064},{"text":"If I start to fall short, please let me know.","start_word":18092,"end_word":18101,"sentiment":"negative","sentiment_score":-0.33771461248397827},{"text":"I wanna do the best job I can, but tell me if I start to fall short and I'll pick my game up, I promise. Okay? No. All good. Thank you. Yep. That's okay. Do you have any other questions or anything else that you might have for me today or need me to research No. for you? I think that's it. Yep. Or that's No. okay. That's Beautiful. it. Well I will yeah. yeah. I'll be mindful to read through all the advice so I'm ready for that next Yep. call. And yeah. Yeah.","start_word":18102,"end_word":18196,"sentiment":"neutral","sentiment_score":0.03368239849805832},{"text":"Perfect. Easy.","start_word":18197,"end_word":18198,"sentiment":"positive","sentiment_score":0.4656231701374054},{"text":"No worries at all. I'll get that email to you shortly. You put your annual review doc there as well. Feel free to go through those ones. If you're happy to Yep. sign them or return the annual the ongoing agreement of that, do so, and I'll get stuff into this research.","start_word":18199,"end_word":18250,"sentiment":"neutral","sentiment_score":0.26212865114212036},{"text":"We'll have it ready for the nineteenth for you.","start_word":18251,"end_word":18259,"sentiment":"positive","sentiment_score":0.39427703619003296},{"text":"Okay?","start_word":18260,"end_word":18260,"sentiment":"neutral","sentiment_score":0.21615639328956604},{"text":"Perfect. Sounds good. Thank you so much. Thanks so much, Bianca. My pleasure. You have a lovely afternoon. You too. See you later.","start_word":18261,"end_word":18283,"sentiment":"positive","sentiment_score":0.7826425433158875},{"text":"Bye.","start_word":18284,"end_word":18284,"sentiment":"neutral","sentiment_score":0.2927270829677582},{"text":"Thanks. See you later.","start_word":18285,"end_word":18288,"sentiment":"positive","sentiment_score":0.4607713222503662},{"text":"Bye.","start_word":18289,"end_word":18289,"sentiment":"neutral","sentiment_score":0.22130201756954193}],"average":{"sentiment":"neutral","sentiment_score":0.03801656639249865}}}}