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I just wanted to give you a quick call because we had a annual review with Kyle a few days ago, and I believe it was rescheduled for this morning. Is that correct? Beautiful. Do you have a bit of time for me today? Awesome. I'll just go through a quick security check with you. I'm registered with Asic as adviser one two seven three one zero five. Are you okay to confirm your date of birth and address, please? Yep. Perfect. Oxford. And could you just spell that street name for me, please? Laysan Crescent, Oxford. Perfect. Not very far from us. That's brilliant. Okay. And, look, if you ever do wanna pop into the office for a bit of an in person consultation, more than happy to host you here at Southport. But I know it's a little bit of a drive, and the m one can be a bit terrible sometimes, but the offer's always there. Perfect. So what I wanted to do today was I was going through your account this morning, just going through your super performance and a few different things, but it did seem like you had a few circumstances change towards the end of last year as well. I know you were going through an estate sort of execution, I believe, for your father as well. So are you okay if I just go through your details and just update a few things on our system? Perfect. And before I go through the details that we have, is there anything significant that you feel has happened the last sort of three months or so? The move changed. Fantastic. So with the move there, is it just going from one rental to another, or did you purchase? Perfect. So with the assets and liabilities, we had two cars there with a combined value of about 35,000 and about 20,000 in savings. Does that sound pretty close to the mark? 8,000. And you had a lightweight road bike, about $10,000 value. Do you still have the bike? Perfect. And there was a hectare of pine forest noted down. Is that property still there? Yep. Yep. Yeah. Okay. So potential okay. I'm just making a couple of notes there. So at the time being, we can't really sort of count it as an asset in your name for the time being, but I will just make a note of it that it's kind of in the mix. Perfect. Perfect. Have you ever gone through this is a little bit new just because we've got a a new system and a couple of extra questions this year. Have you ever gone through, like, a bankruptcy or a debt agreement before apart nine? Yep. Yep. Perfect. Perfect. Are you still working as a bookkeeper? Perfect. I think we had I'm just going through Carl's notes from his conversation with you. I think you were on around about 95,000. Is that right? Perfect. Perfect. And you haven't changed employer, I believe. I was going through the contributions this morning, and there was a couple of different entities making contributions to your super. I just wanted to quickly run them by you. So you have MS Fabrications, Queensland PTY Ltd. So I'm assuming that's your main employer? Yep. Uh-huh. Yep. Perfect. That explains it because I did notice that the contributions from MS Fabrications kind of just stopped a couple of months ago. So the Darcy bookkeeping, that should kick in as well, but then you've also got the Finch Business Solutions as well. Perfect. Perfect. So what I'll do, if the income's still around about 95,000, I'm gonna go off of that for any estimates and projections of the contributions Perfect. Yep. Okay. And would you be familiar, of course, with how to make those contributions and claim them as deductible? Yep. Perfect. So if it's easy enough for you, what you can do is you can make BPAY or EFT contributions directly into your hub account. And then towards the end of financial year, we can complete a notice of intent to claim form to basically tell the super fund to tell the tax office that you're claiming these contributions as concessional. Once that comes back with basically a confirmation letter, that means it's coded with the tax office, and then you're okay to submit your personal tax return. If you accidentally submit that return before it's processed, it it kind of locks you off. So what I might do is I might schedule in a catch up for the team to call you at the May, early June, if that's okay, just to see if there's any contributions that need to be claimed, and they can kind of help you through the forms. Just gonna make a quick note of that for the team. Alrighty. Outside of that, so we've got the address has been updated. You're still married with Jay? Yep. And we've got phone number, and the Hotmail is still okay for the email address? Perfect. Do you have any things, you did complete a will a few years ago that needed to be updated because that was all involved with New Zealand. Have you since updated your your estate plan? Yep. Yeah. Totally fine. Totally fine. I'll just make a note that you do have one in place still. Might be a bit outdated and just keep that updated on the file if that's okay. Perfect. So last thing, and then we'll jump into the super. And I'm just going through your goals here. So you're basically focusing on at the time, your daughter was finishing school. That was pretty well initially. You were going to purchase a house on the Gold Coast or Northern New South Wales. Is that still part of your main goals? Yep. Yep. Yep. Just building that deposit up. Do you have an idea of how much you're gonna need for a deposit, or are you still kind of working through that? Yep. Yeah. It's such an interesting space because when I first started in the industry in about 2014, I remember talking to a lot of accountants who were going through, and everybody was purchasing hectares and acres of pine forest and getting it all ready to be harvested and nice and tax deductible and that kind of thing. But I know a lot of those companies folded, and only a couple of them actually went through to produce produce and harvest. So it's it's definitely an interesting space. I would love to keep an eye on that with you and see what ends up happening just because I'm just personally curious. Yeah. Yep. Yep. There's only so much. Anything that's public, that's all you can do, but they can't tell you specifically about that lot. Yeah. Yeah. Right. So not really a big hurdle to have done, just probably spending the time to have actually done it. Strange. Strange. Yeah. I'll I'll be and that's do they just predominantly service in New Zealand, or have they kind of spread between Australia as well? Yep. Okay. Well, I'll be interested to see how it all plays out, but I definitely wish you the best of luck with it, and I hope it all transfers okay and you've got that nice asset and producing, that would be fantastic, wouldn't it? Yeah. And look. That's pretty common. People tend to sell up and move across states and things like that, and the the property market in Australia is always so crazy that it's really easy to get a bit of FOMO or maybe a bit of regret and things like that. But all you can really do is just try and make the best steps that you can over the next five, ten, fifteen years. And, look, you can't rewind time, but it doesn't mean that you're locked out of owning property. There's just, again, time time to build deposits, time to try and get that asset under your name, and who knows where you'll be in five years' time. We Just gonna try and make the best choices that we can. Absolutely. Last couple of goals that I had here, I was just still looking at the age 65 retirement, bit of super growth and things like that. And was there anything else that I've missed so far in terms of goals for the next three to five years? Perfect. When it comes to your Hub twenty four account, have you been logging in recently and seeing what's been happening with the news? That is okay. So what I wanted to sort of go through, it's actually not too bad. I was actually really impressed with how your super has been going pretty much the whole time that you've you've been in this account. I did an inception report since you started the hub account, and I was kind of blown away that the timing of when we bought a few things really worked out in your favor. Like, you have a a gold investment that's up a 109% just in a couple of years. So some of them have just been incredible. The recent drop in the market, I think your peak was a 109,000, and you're only down to about a $105,001.75 as of today. Yeah. Yes. Three years almost on the dot as of the twenty sixth. So all in all, like, with Hub twenty four, they haven't had any major changes in fees or features, but they still have the most investment options in the industry. They're sitting at about 1,300 options. You have about eight or nine that we've kind of built a portfolio for you. And if you remember, you're in, like, a what we call a growth portfolio. It's a kind of four out of five on the risk scale sitting at around about 80% growth assets like shares, property, and gold. Does that ring a bell? No. Yes. As long as we have the time up our sleeves. And I think for your profile, the usual, like, minimum time frame is about eight or nine years, which you still have. Obviously, once you approach those last seven, eight years, we need to slowly reduce your risk level because we don't want you sitting at 64. And then the stock market crashes, you lose half your super. Do you know what I mean? Perfect. So with the average returns for a growth risk profile, you're looking at aiming for about 9% plus on average. Some years, it'll go up fifteen, twenty. Some years, it'll go down 15% in a market correction. Most of the options in the last twelve months have gone up, again, really substantially. We have your battery tech and lithium, which is kind of like electric vehicles. That's gone up 93%. Your gold's up 30. Shares up 27. The overall is sitting at about just under 12% net of fees. So it's definitely hitting that target still with a bit of a drop mixed in. There is one option. Yeah. And your contributions from the previous employer, they were very regular too. So you got a a really good advantage of dollar cost averaging buying weekly rather than it waiting quarterly. So that was really handy for you as well. Yep. Yep. Absolutely. Absolutely. I dollar cost averaging is definitely my favorite thing, so I'm glad that everyone will be on that. I'll just see how it works out with all the employers and who complies, who struggles, and it'll be interesting to see. Oh, yeah? Yep. Yeah. They're responsible enough, but they're just wanting to wait till last minute. Yeah. Just tell them that you're one of the top 5% performing clients of Oakview Financial, and part of that's due to having frequent contributions. So it's, yeah, definitely handy. But, yeah, you're right. They wouldn't really think of it. They would be just trying to make sure they hold on to the money for as long as they can before it goes in. But, again, it's either you use it while you've got it in your bank or you use it when it's in the super being invested. Hopefully, they're getting a benefit out of it wherever it's sitting. Faye, there is one thing that I wanted to kind of update on your portfolio potentially, just obviously given what's going on in the world. The Australian market still it's growing okay, but it's it's a bit flat. And most of our updates to portfolios, we're just doing a little bit less in Australian shares. And the option that you do have, it's the only one that I would sort of say has underperformed a little bit, and it's actually dropped about 12%, just the Benelong investment. So if you're comfortable, what I would like to do is just look for a replacement option for that one just to get that portion of your assets going along with the rest of them. But I also want to do a bit of a rebalance because you've had such extreme growth in some options and not others, it kind of throws your portfolio out of whack over a period of time. And I just wanna kind of bring it back to the original weighting just so the asset classes are how they should be. So sort of buy low to sell high, trim a bit off the top of some of the high performers, buy into the other ones, and just even it out if that's okay. Yeah. That's right. So most of the if it involves the big miners, like the Rio Tinto's, the BHBs of the world, if they're involved in those projects, then absolutely, they'll benefit from that. The one thing that we're sort of tabling with our investment committee is what what companies are gonna be most involved. And if they're sitting outside of the top 200, should we be looking at a small exposure, like an extra option mixed in to get people a bit more direct linking to that? So that's something that I'm gonna be talking to the investment committee about next week, and it may be mixed into your portfolio. So what I would like to do, basically, is I'll research a few replacement options for that one, keep it still decent proportion, and then depending on that meeting, I may mix in a couple of other options as well. And then I'll put that in a statement of advice so that we can read through it together and make sure you're comfortable before we move it. Is that okay? Yeah. You're exactly right. They always call it liquid gold these days. And if you wanna if you can catch a a bit of a a headwind not a headwind. Sorry. A tailwind to push along an asset class, not an asset class, but a resource like that, it would be very handy. We don't go too crazy into trying to pick massive surges, but it does make sense to get a bit of exposure to it. Again, we're trying to keep, like, a a steady ship to that retirement goal, but we do this satellite approach where we do small portions into different sectors just to give you a little bit of a bump up. So if we can take advantage of that, we certainly will. Leave that with me to research. I'll probably be going through with the team after next week's meeting some investment options. Can I just ask you for this replacement option I'm looking at? I wanna kind of bring it back in line with the pack a little bit, but I wanted to ask you between two different styles. Are you familiar with active and passive investments? Yep. Do you have a preference between going for the sort of low fee index funds versus paying that slightly higher investment fee to try and outperform the market? Do you have a preference between the two or a strong leaning? Yep. Because yeah. We do have about three really good options, some passive, some active. So I'm more than happy to kind of look at replacing that Benelon option with, like, a passive ETF that'll just buy into the Australian 200 market. And the fees for that, I think, are 0.06 percent. Very, very low because it's an ETF. Tiny little bit of brokerage for that, but I'll show you that in the statement of advice. Perfect. Last two things I wanted to run by with you while I go through that update. I'm going to just base the projections on the estimated employer contributions until we get a handle of how you do the contributions personally and things like that. So I'll definitely update that once we chat around May, June, if that's okay. Your beneficiary is still listing Dion as a 100% beneficiary for the super and the insurance because when you've got the hub twenty four insurances, it combines to the one beneficiary. So I'm assuming you still wanna leave that in place. Yep. And lastly, with the insurances, we did transfer across that original cover. And I'm just gonna quickly bring up the current figures for your policy. I wasn't able to get, like, a certificate of currency. Normally, I would send you one of those through. I'm gonna try and find one, but you have a $161,002.80 of life and disability insurance and just over 2,300 a month of income protection. Premiums are $80.29 per month. That's obviously before the 15% rebate. Your income protection was a ninety day wait and a two year benefit period. Now I know that you're kind of restricted a little bit in getting new cover or replacement cover just due to health. Are you comfortable to keep this in place? Do you want me to look at some quotes and and attempt to get something different? Okay. So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again. Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property. So it's probably a good idea to keep the life and TPD there. So when you've got a mortgage, you can help with that as well. And then, obviously, the income protection, it's not gonna be perfectly in line with your income because it's it's not been increased to be 70% of what you have. But, again, 2,300 a month should be helpful. Cool. The only one you don't have is trauma insurance, which is like heart attack, stroke, and cancer. It's only out of pocket. But then again, public health system, family in those events, it's up to you if you want me to look for a quote for that or just leave it as the three that you have. Perfect. When it comes to when it comes to trauma insurance, so the main ones it covers is, like, heart attack, stroke, cancer, organ failure, that kind of thing. So most of the existing health concerns so for example, we do have you on antidepressants. Right? Normally, that would cause, like, a mental health exclusion, but that doesn't really affect trauma policies because they don't they're not linked to that. They're linked to more like a diagnosis a serious diagnosis of cancer. Does that make sense? The one that would be a bit of a concern would be the pre leukemia cells because you I believe we've got a note here that you see hematologist, and it's hereditary. Could you just tell me just a little bit more about that? Yep. No. That's what I was just about to ask. Please. That'll be fantastic. His is CLO? Yeah. Is it by any chance? I'm just having a bit of a Google while you look for it. I'm coming up with high risk MDS, Immature white blood cells in the bone marrow. I'm assuming it's not that one. Male Lottie splastic syndrome. Does that sound oh, no. That's MDS. Oh, then they've got AL was acute leukemia. MDS is familial. Mylodysplastic, which is MDS. That's the two that's coming up on the old Google there. Any of that sound familiar? Oh, yes. Dear Lord. Thank you very much for the NBL there because I can okay. Monoclonal b cell. Yep. Perfect. Because alright. What I'll do is all of the insurers, we can kind of anonymously do a pre assessment with them. What I can basically do is I'll get the team to call hopefully today, but it's a bit of a short day and Fridays are usually hard. And we'll just sort of see if it's possible to obtain trauma cover or if there's gonna be, like, an exclusion or something. If it's possible, I'll put you up, like, a basic quote for maybe, like, a 100,000 for, like, medical costs and just sort of let you know what the pricing's like on that. Because just with age itself, you it could be anywhere between 20 to $40 a month, or it could even be with a loading over a 100 to $200 a month. Is there a limit that you would like me to put down for an out of pocket cost? Because I know you're saving for a house. Is there something where you would say if it's this small, that would be okay versus a hard no? Yep. And I just wanna put that down as a bit of a guide to the team because if if it comes up as $300 a month, I'm just gonna not even recommend it because that's far outside budget, and it's also gonna affect your ability to purchase a house. So I'll just put that in there as a bit of a tentative. When we go through the portfolio update, I'll have the quote there as well, and it's up to you whether you wanna sort of go ahead with it or not. I don't just get you the pricing. Perfect. Alright, Faye. That's pretty much everything I needed to cover for the review. Do you have any questions for me at this point? Amazing. So I'm going to shoot you through your annual review pack. It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement. So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance. When we get you up to 600,000, that's when it caps. Obviously, we have clients that get up to $1.02, 3,000,000, and, you know, $30 is a little bit excessive, but that's why we put a bit of a cap on there as well. Awesome. So I'll pop that through to your Hotmail. This will actually come through our new system, which is called OdooSign. It's very similar to, like, a DocuSign. There will be excuse me. Sorry then. I had something stuck in my throat. There'll be some attachments with the reports, like PDF attachments, like a normal email, but then there'll actually be a link to the signable documents as well. So if you have any trouble, just call the team at the office number. Awesome. I'll pop that through to you now. Do you have any other questions for me before I let you go? Amazing, Faye. I wish you all the best of luck with your getting a hold of the the Pine Forest lot because that would be amazing. The team will probably give you a call in a couple of weeks time just to go through this updated plan with me. Amazing. Have a fantastic weekend, and thank you for your time. Thanks, Faye. 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morning, Faye. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? I'm doing fantastic. Thank you for asking.\n\nI just wanted to give you a quick call because we had a annual review with Kyle a few days ago, and I believe it was rescheduled for this morning. Is that correct? Beautiful. Do you have a bit of time for me today? Awesome.\n\nI'll just go through a quick security check with you. I'm registered with Asic as adviser one two seven three one zero five. Are you okay to confirm your date of birth and address, please? Yep. Perfect.\n\nOxford. And could you just spell that street name for me, please? Laysan Crescent, Oxford. Perfect. Not very far from us.\n\nThat's brilliant. Okay. And, look, if you ever do wanna pop into the office for a bit of an in person consultation, more than happy to host you here at Southport. But I know it's a little bit of a drive, and the m one can be a bit terrible sometimes, but the offer's always there. Perfect.\n\nSo what I wanted to do today was I was going through your account this morning, just going through your super performance and a few different things, but it did seem like you had a few circumstances change towards the end of last year as well. I know you were going through an estate sort of execution, I believe, for your father as well. So are you okay if I just go through your details and just update a few things on our system? Perfect. And before I go through the details that we have, is there anything significant that you feel has happened the last sort of three months or so?\n\nThe move changed. Fantastic. So with the move there, is it just going from one rental to another, or did you purchase? Perfect. So with the assets and liabilities, we had two cars there with a combined value of about 35,000 and about 20,000 in savings.\n\nDoes that sound pretty close to the mark? 8,000. And you had a lightweight road bike, about $10,000 value. Do you still have the bike? Perfect.\n\nAnd there was a hectare of pine forest noted down. Is that property still there? Yep. Yep. Yeah.\n\nOkay. So potential okay. I'm just making a couple of notes there. So at the time being, we can't really sort of count it as an asset in your name for the time being, but I will just make a note of it that it's kind of in the mix. Perfect.\n\nPerfect. Have you ever gone through this is a little bit new just because we've got a a new system and a couple of extra questions this year. Have you ever gone through, like, a bankruptcy or a debt agreement before apart nine? Yep. Yep.\n\nPerfect. Perfect. Are you still working as a bookkeeper? Perfect. I think we had I'm just going through Carl's notes from his conversation with you.\n\nI think you were on around about 95,000. Is that right? Perfect. Perfect. And you haven't changed employer, I believe.\n\nI was going through the contributions this morning, and there was a couple of different entities making contributions to your super. I just wanted to quickly run them by you. So you have MS Fabrications, Queensland PTY Ltd. So I'm assuming that's your main employer? Yep.\n\nUh-huh. Yep. Perfect. That explains it because I did notice that the contributions from MS Fabrications kind of just stopped a couple of months ago. So the Darcy bookkeeping, that should kick in as well, but then you've also got the Finch Business Solutions as well.\n\nPerfect. Perfect. So what I'll do, if the income's still around about 95,000, I'm gonna go off of that for any estimates and projections of the contributions Perfect. Yep. Okay.\n\nAnd would you be familiar, of course, with how to make those contributions and claim them as deductible? Yep. Perfect. So if it's easy enough for you, what you can do is you can make BPAY or EFT contributions directly into your hub account. And then towards the end of financial year, we can complete a notice of intent to claim form to basically tell the super fund to tell the tax office that you're claiming these contributions as concessional.\n\nOnce that comes back with basically a confirmation letter, that means it's coded with the tax office, and then you're okay to submit your personal tax return. If you accidentally submit that return before it's processed, it it kind of locks you off. So what I might do is I might schedule in a catch up for the team to call you at the May, early June, if that's okay, just to see if there's any contributions that need to be claimed, and they can kind of help you through the forms. Just gonna make a quick note of that for the team. Alrighty.\n\nOutside of that, so we've got the address has been updated. You're still married with Jay? Yep. And we've got phone number, and the Hotmail is still okay for the email address? Perfect.\n\nDo you have any things, you did complete a will a few years ago that needed to be updated because that was all involved with New Zealand. Have you since updated your your estate plan? Yep. Yeah. Totally fine.\n\nTotally fine. I'll just make a note that you do have one in place still. Might be a bit outdated and just keep that updated on the file if that's okay. Perfect. So last thing, and then we'll jump into the super.\n\nAnd I'm just going through your goals here. So you're basically focusing on at the time, your daughter was finishing school. That was pretty well initially. You were going to purchase a house on the Gold Coast or Northern New South Wales. Is that still part of your main goals?\n\nYep. Yep. Yep. Just building that deposit up. Do you have an idea of how much you're gonna need for a deposit, or are you still kind of working through that?\n\nYep. Yeah. It's such an interesting space because when I first started in the industry in about 2014, I remember talking to a lot of accountants who were going through, and everybody was purchasing hectares and acres of pine forest and getting it all ready to be harvested and nice and tax deductible and that kind of thing. But I know a lot of those companies folded, and only a couple of them actually went through to produce produce and harvest. So it's it's definitely an interesting space.\n\nI would love to keep an eye on that with you and see what ends up happening just because I'm just personally curious. Yeah. Yep. Yep. There's only so much.\n\nAnything that's public, that's all you can do, but they can't tell you specifically about that lot. Yeah. Yeah. Right. So not really a big hurdle to have done, just probably spending the time to have actually done it.\n\nStrange. Strange. Yeah. I'll I'll be and that's do they just predominantly service in New Zealand, or have they kind of spread between Australia as well? Yep.\n\nOkay. Well, I'll be interested to see how it all plays out, but I definitely wish you the best of luck with it, and I hope it all transfers okay and you've got that nice asset and producing, that would be fantastic, wouldn't it? Yeah. And look. That's pretty common.\n\nPeople tend to sell up and move across states and things like that, and the the property market in Australia is always so crazy that it's really easy to get a bit of FOMO or maybe a bit of regret and things like that. But all you can really do is just try and make the best steps that you can over the next five, ten, fifteen years. And, look, you can't rewind time, but it doesn't mean that you're locked out of owning property. There's just, again, time time to build deposits, time to try and get that asset under your name, and who knows where you'll be in five years' time. We Just gonna try and make the best choices that we can.\n\nAbsolutely. Last couple of goals that I had here, I was just still looking at the age 65 retirement, bit of super growth and things like that. And was there anything else that I've missed so far in terms of goals for the next three to five years? Perfect. When it comes to your Hub twenty four account, have you been logging in recently and seeing what's been happening with the news?\n\nThat is okay. So what I wanted to sort of go through, it's actually not too bad. I was actually really impressed with how your super has been going pretty much the whole time that you've you've been in this account. I did an inception report since you started the hub account, and I was kind of blown away that the timing of when we bought a few things really worked out in your favor. Like, you have a a gold investment that's up a 109% just in a couple of years.\n\nSo some of them have just been incredible. The recent drop in the market, I think your peak was a 109,000, and you're only down to about a $105,001.75 as of today. Yeah. Yes. Three years almost on the dot as of the twenty sixth.\n\nSo all in all, like, with Hub twenty four, they haven't had any major changes in fees or features, but they still have the most investment options in the industry. They're sitting at about 1,300 options. You have about eight or nine that we've kind of built a portfolio for you. And if you remember, you're in, like, a what we call a growth portfolio. It's a kind of four out of five on the risk scale sitting at around about 80% growth assets like shares, property, and gold.\n\nDoes that ring a bell? No. Yes. As long as we have the time up our sleeves. And I think for your profile, the usual, like, minimum time frame is about eight or nine years, which you still have.\n\nObviously, once you approach those last seven, eight years, we need to slowly reduce your risk level because we don't want you sitting at 64. And then the stock market crashes, you lose half your super. Do you know what I mean? Perfect. So with the average returns for a growth risk profile, you're looking at aiming for about 9% plus on average.\n\nSome years, it'll go up fifteen, twenty. Some years, it'll go down 15% in a market correction. Most of the options in the last twelve months have gone up, again, really substantially. We have your battery tech and lithium, which is kind of like electric vehicles. That's gone up 93%.\n\nYour gold's up 30. Shares up 27. The overall is sitting at about just under 12% net of fees. So it's definitely hitting that target still with a bit of a drop mixed in. There is one option.\n\nYeah. And your contributions from the previous employer, they were very regular too. So you got a a really good advantage of dollar cost averaging buying weekly rather than it waiting quarterly. So that was really handy for you as well. Yep.\n\nYep. Absolutely. Absolutely. I dollar cost averaging is definitely my favorite thing, so I'm glad that everyone will be on that. I'll just see how it works out with all the employers and who complies, who struggles, and it'll be interesting to see.\n\nOh, yeah? Yep. Yeah. They're responsible enough, but they're just wanting to wait till last minute. Yeah.\n\nJust tell them that you're one of the top 5% performing clients of Oakview Financial, and part of that's due to having frequent contributions. So it's, yeah, definitely handy. But, yeah, you're right. They wouldn't really think of it. They would be just trying to make sure they hold on to the money for as long as they can before it goes in.\n\nBut, again, it's either you use it while you've got it in your bank or you use it when it's in the super being invested. Hopefully, they're getting a benefit out of it wherever it's sitting. Faye, there is one thing that I wanted to kind of update on your portfolio potentially, just obviously given what's going on in the world. The Australian market still it's growing okay, but it's it's a bit flat. And most of our updates to portfolios, we're just doing a little bit less in Australian shares.\n\nAnd the option that you do have, it's the only one that I would sort of say has underperformed a little bit, and it's actually dropped about 12%, just the Benelong investment. So if you're comfortable, what I would like to do is just look for a replacement option for that one just to get that portion of your assets going along with the rest of them. But I also want to do a bit of a rebalance because you've had such extreme growth in some options and not others, it kind of throws your portfolio out of whack over a period of time. And I just wanna kind of bring it back to the original weighting just so the asset classes are how they should be. So sort of buy low to sell high, trim a bit off the top of some of the high performers, buy into the other ones, and just even it out if that's okay.\n\nYeah. That's right. So most of the if it involves the big miners, like the Rio Tinto's, the BHBs of the world, if they're involved in those projects, then absolutely, they'll benefit from that. The one thing that we're sort of tabling with our investment committee is what what companies are gonna be most involved. And if they're sitting outside of the top 200, should we be looking at a small exposure, like an extra option mixed in to get people a bit more direct linking to that?\n\nSo that's something that I'm gonna be talking to the investment committee about next week, and it may be mixed into your portfolio. So what I would like to do, basically, is I'll research a few replacement options for that one, keep it still decent proportion, and then depending on that meeting, I may mix in a couple of other options as well. And then I'll put that in a statement of advice so that we can read through it together and make sure you're comfortable before we move it. Is that okay? Yeah.\n\nYou're exactly right. They always call it liquid gold these days. And if you wanna if you can catch a a bit of a a headwind not a headwind. Sorry. A tailwind to push along an asset class, not an asset class, but a resource like that, it would be very handy.\n\nWe don't go too crazy into trying to pick massive surges, but it does make sense to get a bit of exposure to it. Again, we're trying to keep, like, a a steady ship to that retirement goal, but we do this satellite approach where we do small portions into different sectors just to give you a little bit of a bump up. So if we can take advantage of that, we certainly will. Leave that with me to research. I'll probably be going through with the team after next week's meeting some investment options.\n\nCan I just ask you for this replacement option I'm looking at? I wanna kind of bring it back in line with the pack a little bit, but I wanted to ask you between two different styles. Are you familiar with active and passive investments? Yep. Do you have a preference between going for the sort of low fee index funds versus paying that slightly higher investment fee to try and outperform the market?\n\nDo you have a preference between the two or a strong leaning? Yep. Because yeah. We do have about three really good options, some passive, some active. So I'm more than happy to kind of look at replacing that Benelon option with, like, a passive ETF that'll just buy into the Australian 200 market.\n\nAnd the fees for that, I think, are 0.06 percent. Very, very low because it's an ETF. Tiny little bit of brokerage for that, but I'll show you that in the statement of advice. Perfect. Last two things I wanted to run by with you while I go through that update.\n\nI'm going to just base the projections on the estimated employer contributions until we get a handle of how you do the contributions personally and things like that. So I'll definitely update that once we chat around May, June, if that's okay. Your beneficiary is still listing Dion as a 100% beneficiary for the super and the insurance because when you've got the hub twenty four insurances, it combines to the one beneficiary. So I'm assuming you still wanna leave that in place. Yep.\n\nAnd lastly, with the insurances, we did transfer across that original cover. And I'm just gonna quickly bring up the current figures for your policy. I wasn't able to get, like, a certificate of currency. Normally, I would send you one of those through. I'm gonna try and find one, but you have a $161,002.80 of life and disability insurance and just over 2,300 a month of income protection.\n\nPremiums are $80.29 per month. That's obviously before the 15% rebate. Your income protection was a ninety day wait and a two year benefit period. Now I know that you're kind of restricted a little bit in getting new cover or replacement cover just due to health. Are you comfortable to keep this in place?\n\nDo you want me to look at some quotes and and attempt to get something different? Okay. So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again. Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property. So it's probably a good idea to keep the life and TPD there.\n\nSo when you've got a mortgage, you can help with that as well. And then, obviously, the income protection, it's not gonna be perfectly in line with your income because it's it's not been increased to be 70% of what you have. But, again, 2,300 a month should be helpful. Cool. The only one you don't have is trauma insurance, which is like heart attack, stroke, and cancer.\n\nIt's only out of pocket. But then again, public health system, family in those events, it's up to you if you want me to look for a quote for that or just leave it as the three that you have. Perfect. When it comes to when it comes to trauma insurance, so the main ones it covers is, like, heart attack, stroke, cancer, organ failure, that kind of thing. So most of the existing health concerns so for example, we do have you on antidepressants.\n\nRight? Normally, that would cause, like, a mental health exclusion, but that doesn't really affect trauma policies because they don't they're not linked to that. They're linked to more like a diagnosis a serious diagnosis of cancer. Does that make sense? The one that would be a bit of a concern would be the pre leukemia cells because you I believe we've got a note here that you see hematologist, and it's hereditary.\n\nCould you just tell me just a little bit more about that? Yep. No. That's what I was just about to ask. Please.\n\nThat'll be fantastic. His is CLO? Yeah. Is it by any chance? I'm just having a bit of a Google while you look for it.\n\nI'm coming up with high risk MDS, Immature white blood cells in the bone marrow. I'm assuming it's not that one. Male Lottie splastic syndrome. Does that sound oh, no. That's MDS.\n\nOh, then they've got AL was acute leukemia. MDS is familial. Mylodysplastic, which is MDS. That's the two that's coming up on the old Google there. Any of that sound familiar?\n\nOh, yes. Dear Lord. Thank you very much for the NBL there because I can okay. Monoclonal b cell. Yep.\n\nPerfect. Because alright. What I'll do is all of the insurers, we can kind of anonymously do a pre assessment with them. What I can basically do is I'll get the team to call hopefully today, but it's a bit of a short day and Fridays are usually hard. And we'll just sort of see if it's possible to obtain trauma cover or if there's gonna be, like, an exclusion or something.\n\nIf it's possible, I'll put you up, like, a basic quote for maybe, like, a 100,000 for, like, medical costs and just sort of let you know what the pricing's like on that. Because just with age itself, you it could be anywhere between 20 to $40 a month, or it could even be with a loading over a 100 to $200 a month. Is there a limit that you would like me to put down for an out of pocket cost? Because I know you're saving for a house. Is there something where you would say if it's this small, that would be okay versus a hard no?\n\nYep. And I just wanna put that down as a bit of a guide to the team because if if it comes up as $300 a month, I'm just gonna not even recommend it because that's far outside budget, and it's also gonna affect your ability to purchase a house. So I'll just put that in there as a bit of a tentative. When we go through the portfolio update, I'll have the quote there as well, and it's up to you whether you wanna sort of go ahead with it or not. I don't just get you the pricing.\n\nPerfect. Alright, Faye. That's pretty much everything I needed to cover for the review. Do you have any questions for me at this point? Amazing.\n\nSo I'm going to shoot you through your annual review pack. It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement. So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance. When we get you up to 600,000, that's when it caps. Obviously, we have clients that get up to $1.02, 3,000,000, and, you know, $30 is a little bit excessive, but that's why we put a bit of a cap on there as well.\n\nAwesome. So I'll pop that through to your Hotmail. This will actually come through our new system, which is called OdooSign. It's very similar to, like, a DocuSign. There will be excuse me.\n\nSorry then. I had something stuck in my throat. There'll be some attachments with the reports, like PDF attachments, like a normal email, but then there'll actually be a link to the signable documents as well. So if you have any trouble, just call the team at the office number. Awesome.\n\nI'll pop that through to you now. Do you have any other questions for me before I let you go? Amazing, Faye. I wish you all the best of luck with your getting a hold of the the Pine Forest lot because that would be amazing. The team will probably give you a call in a couple of weeks time just to go through this updated plan with me.\n\nAmazing. Have a fantastic weekend, and thank you for your time. Thanks, Faye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Faye.","start":3.12,"end":4.0,"sentiment":"positive","sentiment_score":0.396775484085083},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.22348401881754398},{"text":"How are you doing today?","start":6.56,"end":7.62,"sentiment":"neutral","sentiment_score":0.26158815920352935},{"text":"I'm doing fantastic.","start":9.04,"end":10.179999,"sentiment":"positive","sentiment_score":0.7666523456573486},{"text":"Thank you for asking.","start":10.4,"end":11.46,"sentiment":"positive","sentiment_score":0.7369836270809174}],"sentiment":"positive","sentiment_score":0.4145230845264766,"num_words":23,"start":3.12,"end":11.46},{"sentences":[{"text":"I just wanted to give you a quick call because we had a annual review with Kyle a few days ago, and I believe it was rescheduled for this morning.","start":11.759999,"end":20.535,"sentiment":"neutral","sentiment_score":0.1869858739276727},{"text":"Is that correct?","start":20.535,"end":21.355,"sentiment":"neutral","sentiment_score":0.08465064316987991},{"text":"Beautiful.","start":22.615,"end":23.095001,"sentiment":"positive","sentiment_score":0.5334819555282593},{"text":"Do you have a bit of time for me today?","start":23.095001,"end":24.715,"sentiment":"neutral","sentiment_score":0.13207154273986815},{"text":"Awesome.","start":26.23,"end":26.630001,"sentiment":"positive","sentiment_score":0.3504127562046051}],"sentiment":"neutral","sentiment_score":0.17929196192158592,"num_words":45,"start":11.759999,"end":26.630001},{"sentences":[{"text":"I'll just go through a quick security check with you.","start":26.630001,"end":29.53,"sentiment":"neutral","sentiment_score":0.18386928215622902},{"text":"I'm registered with Asic as adviser one two seven three one zero five.","start":29.99,"end":34.31,"sentiment":"neutral","sentiment_score":0.10643664518227944},{"text":"Are you okay to confirm your date of birth and address, please?","start":34.31,"end":37.05,"sentiment":"neutral","sentiment_score":0.04470887687057257},{"text":"Yep.","start":40.405003,"end":40.905003,"sentiment":"neutral","sentiment_score":0.01909545809030533},{"text":"Perfect.","start":48.645,"end":49.145,"sentiment":"neutral","sentiment_score":0.15271791815757751}],"sentiment":"neutral","sentiment_score":0.10623484074666693,"num_words":37,"start":26.630001,"end":49.145},{"sentences":[{"text":"Oxford.","start":55.699997,"end":56.199997,"sentiment":"neutral","sentiment_score":0.02252572774887085},{"text":"And could you just spell that street name for me, please?","start":56.42,"end":58.92,"sentiment":"neutral","sentiment_score":0.01962168396196582},{"text":"Laysan Crescent, Oxford.","start":62.114998,"end":64.05499,"sentiment":"neutral","sentiment_score":0.01632455053428809},{"text":"Perfect.","start":65.555,"end":65.955,"sentiment":"neutral","sentiment_score":0.24184659123420715},{"text":"Not very far from us.","start":65.955,"end":67.314995,"sentiment":"neutral","sentiment_score":0.10506938844919204}],"sentiment":"neutral","sentiment_score":0.05021578268635841,"num_words":21,"start":55.699997,"end":67.314995},{"sentences":[{"text":"That's brilliant.","start":67.314995,"end":68.615,"sentiment":"positive","sentiment_score":0.4579123705625534},{"text":"Okay.","start":70.354996,"end":70.854996,"sentiment":"neutral","sentiment_score":0.10897491872310638},{"text":"And, look, if you ever do wanna pop into the office for a bit of an in person consultation, more than happy to host you here at Southport.","start":70.994995,"end":77.049995,"sentiment":"neutral","sentiment_score":0.13159289902874402},{"text":"But I know it's a little bit of a drive, and the m one can be a bit terrible sometimes, but the offer's always there.","start":77.049995,"end":82.03,"sentiment":"neutral","sentiment_score":-0.00943177416920662},{"text":"Perfect.","start":84.009995,"end":84.409996,"sentiment":"neutral","sentiment_score":0.282203733921051}],"sentiment":"neutral","sentiment_score":0.08343526688322686,"num_words":57,"start":67.314995,"end":84.409996},{"sentences":[{"text":"So what I wanted to do today was I was going through your account this morning, just going through your super performance and a few different things, but it did seem like you had a few circumstances change towards the end of last year as well.","start":84.409996,"end":98.185,"sentiment":"neutral","sentiment_score":0.03670648206025362},{"text":"I know you were going through an estate sort of execution, I believe, for your father as well.","start":98.405,"end":105.14,"sentiment":"neutral","sentiment_score":-0.012885192305677466},{"text":"So are you okay if I just go through your details and just update a few things on our system?","start":105.35999,"end":110.659996,"sentiment":"neutral","sentiment_score":0.060235798545181754},{"text":"Perfect.","start":112.24,"end":112.64,"sentiment":"neutral","sentiment_score":0.021276788786053658},{"text":"And before I go through the details that we have, is there anything significant that you feel has happened the last sort of three months or so?","start":112.64,"end":119.295006,"sentiment":"neutral","sentiment_score":-0.04045180486584151}],"sentiment":"neutral","sentiment_score":0.014199631621262856,"num_words":112,"start":84.409996,"end":119.295006},{"sentences":[{"text":"The move changed.","start":125.035,"end":126.075005,"sentiment":"neutral","sentiment_score":-0.004814298202594121},{"text":"Fantastic.","start":126.075005,"end":126.575005,"sentiment":"positive","sentiment_score":0.6216539144515991},{"text":"So with the move there, is it just going from one rental to another, or did you purchase?","start":126.795006,"end":133.12,"sentiment":"neutral","sentiment_score":0.08077745543171962},{"text":"Perfect.","start":135.9,"end":136.38,"sentiment":"positive","sentiment_score":0.5202646255493164},{"text":"So with the assets and liabilities, we had two cars there with a combined value of about 35,000 and about 20,000 in savings.","start":136.38,"end":145.12,"sentiment":"neutral","sentiment_score":0.20026476162931192}],"sentiment":"neutral","sentiment_score":0.15625129044865785,"num_words":46,"start":125.035,"end":145.12},{"sentences":[{"text":"Does that sound pretty close to the mark?","start":145.155,"end":147.095,"sentiment":"neutral","sentiment_score":0.2221270091831684},{"text":"8,000.","start":154.115,"end":154.935,"sentiment":"neutral","sentiment_score":0.0505363792181015},{"text":"And you had a lightweight road bike, about $10,000 value.","start":155.315,"end":160.37,"sentiment":"neutral","sentiment_score":0.09370028823614121},{"text":"Do you still have the bike?","start":160.37,"end":161.51,"sentiment":"neutral","sentiment_score":0.05688605271279812},{"text":"Perfect.","start":163.65,"end":164.15,"sentiment":"positive","sentiment_score":0.401826947927475}],"sentiment":"neutral","sentiment_score":0.1349114845865048,"num_words":26,"start":145.155,"end":164.15},{"sentences":[{"text":"And there was a hectare of pine forest noted down.","start":164.29,"end":167.89,"sentiment":"neutral","sentiment_score":0.06337946560233831},{"text":"Is that property still there?","start":167.89,"end":170.79,"sentiment":"neutral","sentiment_score":0.03042331486940384},{"text":"Yep.","start":175.58499,"end":176.08499,"sentiment":"neutral","sentiment_score":-0.015390011481940746},{"text":"Yep.","start":178.78499,"end":179.28499,"sentiment":"neutral","sentiment_score":-0.029919937252998352},{"text":"Yeah.","start":189.04,"end":189.54,"sentiment":"neutral","sentiment_score":-0.06421447545289993}],"sentiment":"neutral","sentiment_score":0.037577044787920184,"num_words":18,"start":164.29,"end":189.54},{"sentences":[{"text":"Okay.","start":226.125,"end":226.625,"sentiment":"neutral","sentiment_score":0.10953420400619508},{"text":"So potential okay.","start":226.685,"end":229.245,"sentiment":"neutral","sentiment_score":0.19882271687189737},{"text":"I'm just making a couple of notes there.","start":229.245,"end":230.84499,"sentiment":"neutral","sentiment_score":0.11900060251355171},{"text":"So at the time being, we can't really sort of count it as an asset in your name for the time being, but I will just make a note of it that it's kind of in the mix.","start":230.84499,"end":239.09999,"sentiment":"neutral","sentiment_score":0.08754706314127696},{"text":"Perfect.","start":240.76,"end":241.23999,"sentiment":"positive","sentiment_score":0.3720170259475708}],"sentiment":"neutral","sentiment_score":0.10503554117738031,"num_words":51,"start":226.125,"end":241.23999},{"sentences":[{"text":"Perfect.","start":241.23999,"end":241.73999,"sentiment":"neutral","sentiment_score":0.3154940605163574},{"text":"Have you ever gone through this is a little bit new just because we've got a a new system and a couple of extra questions this year.","start":241.8,"end":247.23999,"sentiment":"neutral","sentiment_score":-0.017533649311021523},{"text":"Have you ever gone through, like, a bankruptcy or a debt agreement before apart nine?","start":247.23999,"end":251.57501,"sentiment":"neutral","sentiment_score":-0.06722261793911458},{"text":"Yep.","start":267.0,"end":267.5,"sentiment":"neutral","sentiment_score":-0.09123390913009644},{"text":"Yep.","start":269.8,"end":270.3,"sentiment":"neutral","sentiment_score":0.0845755785703659}],"sentiment":"neutral","sentiment_score":-0.026064712678392728,"num_words":45,"start":241.23999,"end":270.3},{"sentences":[{"text":"Perfect.","start":270.44,"end":270.94,"sentiment":"positive","sentiment_score":0.3466489911079407},{"text":"Perfect.","start":279.655,"end":280.155,"sentiment":"neutral","sentiment_score":0.23724381625652313},{"text":"Are you still working as a bookkeeper?","start":282.375,"end":285.195,"sentiment":"neutral","sentiment_score":-0.04047796795410769},{"text":"Perfect.","start":287.13,"end":287.53,"sentiment":"neutral","sentiment_score":0.13156966865062714},{"text":"I think we had I'm just going through Carl's notes from his conversation with you.","start":287.53,"end":291.45,"sentiment":"neutral","sentiment_score":0.031237454215685526}],"sentiment":"neutral","sentiment_score":0.0360271405428648,"num_words":25,"start":270.44,"end":291.45},{"sentences":[{"text":"I think you were on around about 95,000.","start":291.45,"end":293.85,"sentiment":"neutral","sentiment_score":0.01198300439864397},{"text":"Is that right?","start":293.85,"end":294.67,"sentiment":"neutral","sentiment_score":0.038076721131801605},{"text":"Perfect.","start":296.33002,"end":296.73,"sentiment":"neutral","sentiment_score":0.2996934652328491},{"text":"Perfect.","start":296.73,"end":297.23,"sentiment":"neutral","sentiment_score":0.30018603801727295},{"text":"And you haven't changed employer, I believe.","start":297.93,"end":300.525,"sentiment":"neutral","sentiment_score":0.0452700283910547}],"sentiment":"neutral","sentiment_score":0.05634319502860308,"num_words":20,"start":291.45,"end":300.525},{"sentences":[{"text":"I was going through the contributions this morning, and there was a couple of different entities making contributions to your super.","start":300.525,"end":308.945,"sentiment":"neutral","sentiment_score":0.027295962774327824},{"text":"I just wanted to quickly run them by you.","start":309.245,"end":310.925,"sentiment":"neutral","sentiment_score":0.08277655061748293},{"text":"So you have MS Fabrications, Queensland PTY Ltd.","start":310.925,"end":314.77002,"sentiment":"neutral","sentiment_score":0.024476211285218596},{"text":"So I'm assuming that's your main employer?","start":314.77002,"end":317.27002,"sentiment":"neutral","sentiment_score":0.010066068465156215},{"text":"Yep.","start":323.745,"end":324.245,"sentiment":"neutral","sentiment_score":-0.05626862868666649}],"sentiment":"neutral","sentiment_score":0.03322190684063927,"num_words":46,"start":300.525,"end":324.245},{"sentences":[{"text":"Uh-huh.","start":329.7525,"end":330.2525,"sentiment":"neutral","sentiment_score":-0.11501308530569077},{"text":"Yep.","start":343.68002,"end":344.18002,"sentiment":"neutral","sentiment_score":0.05223012715578079},{"text":"Perfect.","start":344.24002,"end":344.72,"sentiment":"neutral","sentiment_score":0.1834985315799713},{"text":"That explains it because I did notice that the contributions from MS Fabrications kind of just stopped a couple of months ago.","start":344.72,"end":350.66,"sentiment":"neutral","sentiment_score":-0.02554075758565556},{"text":"So the Darcy bookkeeping, that should kick in as well, but then you've also got the Finch Business Solutions as well.","start":350.775,"end":357.195,"sentiment":"neutral","sentiment_score":0.04882041285080569}],"sentiment":"neutral","sentiment_score":0.012696686443751272,"num_words":46,"start":329.7525,"end":357.195},{"sentences":[{"text":"Perfect.","start":358.535,"end":358.935,"sentiment":"neutral","sentiment_score":0.28594374656677246},{"text":"Perfect.","start":358.935,"end":359.335,"sentiment":"neutral","sentiment_score":0.26950305700302124},{"text":"So what I'll do, if the income's still around about 95,000, I'm gonna go off of that for any estimates and projections of the contributions Perfect.","start":359.335,"end":370.69998,"sentiment":"neutral","sentiment_score":0.04509241878090856},{"text":"Yep.","start":379.335,"end":379.835,"sentiment":"neutral","sentiment_score":0.1115783080458641},{"text":"Okay.","start":383.815,"end":384.315,"sentiment":"neutral","sentiment_score":0.1147414967417717}],"sentiment":"neutral","sentiment_score":0.06513898322203507,"num_words":30,"start":358.535,"end":384.315},{"sentences":[{"text":"And would you be familiar, of course, with how to make those contributions and claim them as deductible?","start":384.535,"end":391.275,"sentiment":"neutral","sentiment_score":0.0936025610814492},{"text":"Yep.","start":400.16,"end":400.66,"sentiment":"neutral","sentiment_score":0.1611165851354599},{"text":"Perfect.","start":404.655,"end":405.055,"sentiment":"positive","sentiment_score":0.7657445669174194},{"text":"So if it's easy enough for you, what you can do is you can make BPAY or EFT contributions directly into your hub account.","start":405.055,"end":415.39502,"sentiment":"positive","sentiment_score":0.37611410953104496},{"text":"And then towards the end of financial year, we can complete a notice of intent to claim form to basically tell the super fund to tell the tax office that you're claiming these contributions as concessional.","start":415.775,"end":427.77,"sentiment":"neutral","sentiment_score":0.16047883323497242}],"sentiment":"neutral","sentiment_score":0.21769604845903814,"num_words":80,"start":384.535,"end":427.77},{"sentences":[{"text":"Once that comes back with basically a confirmation letter, that means it's coded with the tax office, and then you're okay to submit your personal tax return.","start":429.925,"end":438.425,"sentiment":"neutral","sentiment_score":0.09743632293409771},{"text":"If you accidentally submit that return before it's processed, it it kind of locks you off.","start":438.725,"end":443.865,"sentiment":"negative","sentiment_score":-0.48663545586168766},{"text":"So what I might do is I might schedule in a catch up for the team to call you at the May, early June, if that's okay, just to see if there's any contributions that need to be claimed, and they can kind of help you through the forms.","start":445.64,"end":460.745,"sentiment":"neutral","sentiment_score":0.1427504104010913},{"text":"Just gonna make a quick note of that for the team.","start":463.285,"end":465.70502,"sentiment":"positive","sentiment_score":0.5096064074472948},{"text":"Alrighty.","start":467.125,"end":467.625,"sentiment":"neutral","sentiment_score":0.15864822268486023}],"sentiment":"neutral","sentiment_score":0.07311252153550203,"num_words":104,"start":429.925,"end":467.625},{"sentences":[{"text":"Outside of that, so we've got the address has been updated.","start":468.645,"end":471.065,"sentiment":"neutral","sentiment_score":0.06526338546113535},{"text":"You're still married with Jay?","start":471.845,"end":474.74,"sentiment":"neutral","sentiment_score":0.023430562019348143},{"text":"Yep.","start":476.48,"end":476.98,"sentiment":"neutral","sentiment_score":0.07865069806575775},{"text":"And we've got phone number, and the Hotmail is still okay for the email address?","start":477.12,"end":481.62,"sentiment":"neutral","sentiment_score":0.07782022257645925},{"text":"Perfect.","start":483.36,"end":483.86,"sentiment":"neutral","sentiment_score":0.29087838530540466}],"sentiment":"neutral","sentiment_score":0.0718752264299176,"num_words":33,"start":468.645,"end":483.86},{"sentences":[{"text":"Do you have any things, you did complete a will a few years ago that needed to be updated because that was all involved with New Zealand.","start":485.12,"end":508.14,"sentiment":"neutral","sentiment_score":0.0010598396399506816},{"text":"Have you since updated your your estate plan?","start":508.14,"end":511.36002,"sentiment":"neutral","sentiment_score":-0.013733975123614073},{"text":"Yep.","start":519.595,"end":520.095,"sentiment":"neutral","sentiment_score":0.03388155996799469},{"text":"Yeah.","start":529.61,"end":530.11,"sentiment":"neutral","sentiment_score":0.1319267749786377},{"text":"Totally fine.","start":530.89,"end":531.69,"sentiment":"positive","sentiment_score":0.3624360263347626}],"sentiment":"neutral","sentiment_score":0.02075446812579265,"num_words":39,"start":485.12,"end":531.69},{"sentences":[{"text":"Totally fine.","start":531.69,"end":532.25,"sentiment":"positive","sentiment_score":0.4668712466955185},{"text":"I'll just make a note that you do have one in place still.","start":532.25,"end":534.99,"sentiment":"neutral","sentiment_score":0.21058644354343414},{"text":"Might be a bit outdated and just keep that updated on the file if that's okay.","start":535.13,"end":539.71,"sentiment":"neutral","sentiment_score":-0.03555596328806132},{"text":"Perfect.","start":541.275,"end":541.67505,"sentiment":"positive","sentiment_score":0.5611538887023926},{"text":"So last thing, and then we'll jump into the super.","start":541.67505,"end":543.995,"sentiment":"neutral","sentiment_score":0.297527115046978}],"sentiment":"neutral","sentiment_score":0.15806894966711602,"num_words":42,"start":531.69,"end":543.995},{"sentences":[{"text":"And I'm just going through your goals here.","start":543.995,"end":546.555,"sentiment":"neutral","sentiment_score":0.2874231245368719},{"text":"So you're basically focusing on at the time, your daughter was finishing school.","start":546.555,"end":551.61505,"sentiment":"neutral","sentiment_score":0.22234403972442335},{"text":"That was pretty well initially.","start":551.995,"end":553.695,"sentiment":"positive","sentiment_score":0.5427946090698242},{"text":"You were going to purchase a house on the Gold 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common.","start":812.67,"end":813.73,"sentiment":"neutral","sentiment_score":0.025226417928934097}],"sentiment":"positive","sentiment_score":0.47407223531976345,"num_words":50,"start":767.845,"end":813.73},{"sentences":[{"text":"People tend to sell up and move across states and things like that, and the the property market in Australia is always so crazy that it's really easy to get a bit of FOMO or maybe a bit of regret and things like that.","start":814.35004,"end":828.005,"sentiment":"neutral","sentiment_score":-0.13583713549781928},{"text":"But all you can really do is just try and make the best steps that you can over the next five, ten, fifteen years.","start":828.005,"end":833.785,"sentiment":"neutral","sentiment_score":0.2758193966001272},{"text":"And, look, you can't rewind time, but it doesn't mean that you're locked out of owning property.","start":834.24,"end":840.1,"sentiment":"neutral","sentiment_score":0.06192514804356238},{"text":"There's just, again, time time to build deposits, time to try and get that asset under your name, and who knows where you'll be in five years' time.","start":840.48,"end":848.72,"sentiment":"neutral","sentiment_score":0.21745229352797782},{"text":"We Just gonna try and make the best choices that we can.","start":848.72,"end":851.29504,"sentiment":"neutral","sentiment_score":0.26143766815463704}],"sentiment":"neutral","sentiment_score":0.0873718024790287,"num_words":125,"start":814.35004,"end":851.29504},{"sentences":[{"text":"Absolutely.","start":853.03503,"end":853.53503,"sentiment":"positive","sentiment_score":0.3693887591361999},{"text":"Last couple of goals that I had here, I was just still looking at the age 65 retirement, bit of super growth and things like that.","start":854.315,"end":863.53503,"sentiment":"neutral","sentiment_score":0.24419419180888396},{"text":"And was there anything else that I've missed so far in terms of goals for the next three to five years?","start":863.79,"end":869.89,"sentiment":"neutral","sentiment_score":0.1211848429271153},{"text":"Perfect.","start":872.43,"end":872.93,"sentiment":"neutral","sentiment_score":0.11388961970806122},{"text":"When it comes to your Hub twenty four account, have you been logging in recently and seeing what's been happening with the news?","start":873.23,"end":879.25,"sentiment":"neutral","sentiment_score":0.012661992612740269}],"sentiment":"neutral","sentiment_score":0.13428381801996794,"num_words":72,"start":853.03503,"end":879.25},{"sentences":[{"text":"That is okay.","start":889.80505,"end":890.945,"sentiment":"positive","sentiment_score":0.3624066213766734},{"text":"So what I wanted to sort of go through, it's actually not too bad.","start":891.005,"end":894.78503,"sentiment":"positive","sentiment_score":0.33735355734825134},{"text":"I was actually really impressed with how your super has been going pretty much the whole time that you've you've been in this account.","start":894.95,"end":900.89,"sentiment":"positive","sentiment_score":0.7527647316455841},{"text":"I did an inception report since you started the hub account, and I was kind of blown away that the timing of when we bought a few things really worked out in your favor.","start":901.67,"end":912.67505,"sentiment":"positive","sentiment_score":0.3993521223173422},{"text":"Like, you have a a gold investment that's up a 109% just in a couple of years.","start":912.67505,"end":917.73505,"sentiment":"positive","sentiment_score":0.412076275138294}],"sentiment":"positive","sentiment_score":0.4832586093765238,"num_words":92,"start":889.80505,"end":917.73505},{"sentences":[{"text":"So some of them have just been incredible.","start":918.03503,"end":920.61505,"sentiment":"positive","sentiment_score":0.6209183558821678},{"text":"The recent drop in the market, I think your peak was a 109,000, and you're only down to about a $105,001.75 as of today.","start":921.26,"end":931.36,"sentiment":"neutral","sentiment_score":-0.045090350569807924},{"text":"Yeah.","start":949.52997,"end":950.02997,"sentiment":"neutral","sentiment_score":0.0839560478925705},{"text":"Yes.","start":959.625,"end":960.02496,"sentiment":"neutral","sentiment_score":0.06231553852558136},{"text":"Three years almost on the dot as of the twenty sixth.","start":960.02496,"end":962.765,"sentiment":"neutral","sentiment_score":0.03158176013014533}],"sentiment":"neutral","sentiment_score":0.09730776402737118,"num_words":45,"start":918.03503,"end":962.765},{"sentences":[{"text":"So all in all, like, with Hub twenty four, they haven't had any major changes in fees or features, but they still have the most investment options in the industry.","start":964.825,"end":973.82,"sentiment":"neutral","sentiment_score":0.16479096710681915},{"text":"They're sitting at about 1,300 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it'll go down 15% in a market correction.","start":1060.88,"end":1064.765,"sentiment":"neutral","sentiment_score":-0.0874906562268734},{"text":"Most of the options in the last twelve months have gone up, again, really substantially.","start":1066.1051,"end":1070.125,"sentiment":"positive","sentiment_score":0.3417839596668879},{"text":"We have your battery tech and lithium, which is kind of like electric vehicles.","start":1070.745,"end":1075.0851,"sentiment":"neutral","sentiment_score":0.1469792468207223},{"text":"That's gone up 93%.","start":1075.9451,"end":1077.785,"sentiment":"neutral","sentiment_score":0.31640031933784485}],"sentiment":"neutral","sentiment_score":0.16143336698412894,"num_words":50,"start":1058.72,"end":1077.785},{"sentences":[{"text":"Your gold's up 30.","start":1077.785,"end":1079.165,"sentiment":"neutral","sentiment_score":0.2263411059975624},{"text":"Shares up 27.","start":1079.76,"end":1081.06,"sentiment":"neutral","sentiment_score":0.17731384436289468},{"text":"The overall is sitting at about just under 12% net of fees.","start":1081.36,"end":1086.02,"sentiment":"neutral","sentiment_score":0.25131460775931674},{"text":"So it's definitely hitting that target still with a bit of a drop mixed in.","start":1086.16,"end":1090.34,"sentiment":"neutral","sentiment_score":0.17543074935674668},{"text":"There is one option.","start":1092.015,"end":1093.3151,"sentiment":"neutral","sentiment_score":0.06880574394017458}],"sentiment":"neutral","sentiment_score":0.1936780385869114,"num_words":38,"start":1077.785,"end":1093.3151},{"sentences":[{"text":"Yeah.","start":1096.255,"end":1096.5751,"sentiment":"neutral","sentiment_score":0.06929805874824524},{"text":"And your contributions from the previous employer, they were very regular too.","start":1096.5751,"end":1102.415,"sentiment":"neutral","sentiment_score":0.23843509331345558},{"text":"So you got a a really good advantage of dollar cost averaging buying weekly rather than it waiting quarterly.","start":1102.415,"end":1109.12,"sentiment":"positive","sentiment_score":0.4115430014698129},{"text":"So that was really handy for you as well.","start":1109.18,"end":1111.3601,"sentiment":"positive","sentiment_score":0.5491090714931488},{"text":"Yep.","start":1119.195,"end":1119.695,"sentiment":"neutral","sentiment_score":0.1835473030805588}],"sentiment":"positive","sentiment_score":0.37798488459416796,"num_words":42,"start":1096.255,"end":1119.695},{"sentences":[{"text":"Yep.","start":1121.0349,"end":1121.4349,"sentiment":"positive","sentiment_score":0.4235612750053406},{"text":"Absolutely.","start":1121.4349,"end":1121.9349,"sentiment":"positive","sentiment_score":0.6563394069671631},{"text":"Absolutely.","start":1125.9149,"end":1126.4149,"sentiment":"positive","sentiment_score":0.6913410425186157},{"text":"I dollar cost averaging is definitely my favorite thing, so I'm glad that everyone will be on that.","start":1126.475,"end":1130.875,"sentiment":"positive","sentiment_score":0.7246501081519656},{"text":"I'll just see how it works out with all the employers and who complies, who struggles, and it'll be interesting to see.","start":1130.875,"end":1137.06,"sentiment":"neutral","sentiment_score":0.24678984081203287}],"sentiment":"positive","sentiment_score":0.4707981434672378,"num_words":43,"start":1121.0349,"end":1137.06},{"sentences":[{"text":"Oh, yeah?","start":1158.065,"end":1158.725,"sentiment":"neutral","sentiment_score":0.08650486171245575},{"text":"Yep.","start":1166.01,"end":1166.51,"sentiment":"neutral","sentiment_score":0.14813232421875},{"text":"Yeah.","start":1176.585,"end":1177.085,"sentiment":"neutral","sentiment_score":0.051943227648735046},{"text":"They're responsible enough, but they're just wanting to wait till last minute.","start":1185.7999,"end":1189.6599,"sentiment":"neutral","sentiment_score":0.006097220272446672},{"text":"Yeah.","start":1215.91,"end":1216.23,"sentiment":"neutral","sentiment_score":0.06000152230262756}],"sentiment":"neutral","sentiment_score":0.029779614168493188,"num_words":17,"start":1158.065,"end":1216.23},{"sentences":[{"text":"Just tell them that you're one of the top 5% performing clients of Oakview Financial, and part of that's due to having frequent contributions.","start":1216.23,"end":1224.405,"sentiment":"neutral","sentiment_score":0.21288072131574154},{"text":"So it's, yeah, definitely handy.","start":1224.625,"end":1226.865,"sentiment":"neutral","sentiment_score":0.270749107003212},{"text":"But, yeah, you're right.","start":1226.865,"end":1227.5851,"sentiment":"neutral","sentiment_score":0.07472965773195028},{"text":"They wouldn't really think of it.","start":1227.5851,"end":1228.625,"sentiment":"neutral","sentiment_score":-0.17021640141805014},{"text":"They would be just trying to make sure they hold on to the money for as long as they can before it goes in.","start":1228.625,"end":1233.665,"sentiment":"neutral","sentiment_score":-0.09573155548423529}],"sentiment":"neutral","sentiment_score":0.054649932339550955,"num_words":63,"start":1216.23,"end":1233.665},{"sentences":[{"text":"But, again, it's either you use it while you've got it in your bank or you use it when it's in the super being invested.","start":1233.665,"end":1240.5,"sentiment":"neutral","sentiment_score":0.26360284760594366},{"text":"Hopefully, they're getting a benefit out of it wherever it's sitting.","start":1241.1201,"end":1244.3401,"sentiment":"positive","sentiment_score":0.5811326503753662},{"text":"Faye, there is one thing that I wanted to kind of update on your portfolio potentially, just obviously given what's going on in the world.","start":1246.975,"end":1253.7749,"sentiment":"neutral","sentiment_score":0.07545473352074623},{"text":"The Australian market still it's growing okay, but it's it's a bit flat.","start":1253.7749,"end":1258.6749,"sentiment":"neutral","sentiment_score":-0.20176843439157194},{"text":"And most of our updates to portfolios, we're just doing a little bit less in Australian shares.","start":1259.01,"end":1264.15,"sentiment":"neutral","sentiment_score":-0.24084831248311436}],"sentiment":"neutral","sentiment_score":0.08957678816475712,"num_words":91,"start":1233.665,"end":1264.15},{"sentences":[{"text":"And the option that you do have, it's the only one that I would sort of say has underperformed a little bit, and it's actually dropped about 12%, just the Benelong investment.","start":1264.29,"end":1273.8301,"sentiment":"neutral","sentiment_score":-0.3207047067116946},{"text":"So if you're comfortable, what I would like to do is just look for a replacement option for that one just to get that portion of your assets going along with the rest of them.","start":1275.015,"end":1285.355,"sentiment":"neutral","sentiment_score":0.0769444374633687},{"text":"But I also want to do a bit of a rebalance because you've had such extreme growth in some options and not others, it kind of throws your portfolio out of whack over a period of time.","start":1285.495,"end":1297.4,"sentiment":"neutral","sentiment_score":-0.2708233989573814},{"text":"And I just wanna kind of bring it back to the original weighting just so the asset classes are how they should be.","start":1297.4,"end":1304.04,"sentiment":"neutral","sentiment_score":0.00850387776027555},{"text":"So sort of buy low to sell high, trim a bit off the top of some of the high performers, buy into the other ones, and just even it out if that's okay.","start":1304.04,"end":1312.985,"sentiment":"neutral","sentiment_score":0.09166822153510469}],"sentiment":"neutral","sentiment_score":-0.08980825353646651,"num_words":160,"start":1264.29,"end":1312.985},{"sentences":[{"text":"Yeah.","start":1354.3049,"end":1354.625,"sentiment":"neutral","sentiment_score":0.1738138496875763},{"text":"That's right.","start":1354.625,"end":1355.525,"sentiment":"neutral","sentiment_score":0.2674950957298279},{"text":"So most of the if it involves the big miners, like the Rio Tinto's, the BHBs of the world, if they're involved in those projects, then absolutely, they'll benefit from that.","start":1355.745,"end":1366.565,"sentiment":"positive","sentiment_score":0.39176552334139425},{"text":"The one thing that we're sort of tabling with our investment committee is what what companies are gonna be most involved.","start":1366.97,"end":1374.99,"sentiment":"neutral","sentiment_score":0.05478672434886297},{"text":"And if they're sitting outside of the top 200, should we be looking at a small exposure, like an extra option mixed in to get people a bit more direct linking to that?","start":1375.29,"end":1385.905,"sentiment":"neutral","sentiment_score":-0.00617073623068405}],"sentiment":"neutral","sentiment_score":0.1568229793232273,"num_words":88,"start":1354.3049,"end":1385.905},{"sentences":[{"text":"So that's something that I'm gonna be talking to the investment committee about next week, and it may be mixed into your portfolio.","start":1385.905,"end":1393.425,"sentiment":"neutral","sentiment_score":0.05579316956193551},{"text":"So what I would like to do, basically, is I'll research a few replacement options for that one, keep it still decent proportion, and then depending on that meeting, I may mix in a couple of other options as well.","start":1393.425,"end":1408.22,"sentiment":"neutral","sentiment_score":0.09466116121038795},{"text":"And then I'll put that in a statement of advice so that we can read through it together and make sure you're comfortable before we move it.","start":1408.22,"end":1415.8351,"sentiment":"neutral","sentiment_score":0.1110987009273635},{"text":"Is that okay?","start":1415.8351,"end":1416.655,"sentiment":"neutral","sentiment_score":0.11587281773487727},{"text":"Yeah.","start":1438.1849,"end":1438.6849,"sentiment":"positive","sentiment_score":0.5018682479858398}],"sentiment":"neutral","sentiment_score":0.09488128696350341,"num_words":94,"start":1385.905,"end":1438.6849},{"sentences":[{"text":"You're exactly right.","start":1439.5449,"end":1440.4249,"sentiment":"neutral","sentiment_score":0.26647808651129407},{"text":"They always call it liquid gold these days.","start":1440.4249,"end":1442.825,"sentiment":"neutral","sentiment_score":0.11629786714911461},{"text":"And if you wanna if you can catch a a bit of a a headwind not a headwind.","start":1442.825,"end":1448.745,"sentiment":"neutral","sentiment_score":0.07319452334195375},{"text":"Sorry.","start":1448.745,"end":1449.065,"sentiment":"neutral","sentiment_score":0.03478744626045227},{"text":"A tailwind to push along an asset class, not an asset class, but a resource like that, it would be very handy.","start":1449.065,"end":1456.03,"sentiment":"neutral","sentiment_score":0.14532691917636179}],"sentiment":"neutral","sentiment_score":0.12075573625043035,"num_words":52,"start":1439.5449,"end":1456.03},{"sentences":[{"text":"We don't go too crazy into trying to pick massive surges, but it does make sense to get a bit of exposure to it.","start":1457.21,"end":1464.49,"sentiment":"neutral","sentiment_score":-0.006210539975048353},{"text":"Again, we're trying to keep, like, a a steady ship to that retirement goal, but we do this satellite approach where we do small portions into different sectors just to give you a little bit of a bump up.","start":1464.49,"end":1474.125,"sentiment":"neutral","sentiment_score":0.23217041905109698},{"text":"So if we can take advantage of that, we certainly will.","start":1474.125,"end":1477.6649,"sentiment":"positive","sentiment_score":0.4510488510131836},{"text":"Leave that with me to research.","start":1480.38,"end":1481.84,"sentiment":"neutral","sentiment_score":0.1114657496412595},{"text":"I'll probably be going through with the team after next week's meeting some investment options.","start":1481.98,"end":1487.36,"sentiment":"neutral","sentiment_score":0.1156129464507103}],"sentiment":"neutral","sentiment_score":0.17126441515099847,"num_words":95,"start":1457.21,"end":1487.36},{"sentences":[{"text":"Can I just ask you for this replacement option I'm looking at?","start":1487.66,"end":1491.84,"sentiment":"neutral","sentiment_score":0.10883181107540925},{"text":"I wanna kind of bring it back in line with the pack a little bit, but I wanted to ask you between two different styles.","start":1492.365,"end":1498.285,"sentiment":"neutral","sentiment_score":0.12324164196848869},{"text":"Are you familiar with active and passive investments?","start":1498.285,"end":1500.9451,"sentiment":"neutral","sentiment_score":0.031527210492640734},{"text":"Yep.","start":1503.005,"end":1503.405,"sentiment":"neutral","sentiment_score":0.18136100471019745},{"text":"Do you have a preference between going for the sort of low fee index funds versus paying that slightly higher investment fee to try and outperform the market?","start":1503.405,"end":1511.65,"sentiment":"neutral","sentiment_score":0.1809440819280488}],"sentiment":"neutral","sentiment_score":0.13360859141559214,"num_words":74,"start":1487.66,"end":1511.65},{"sentences":[{"text":"Do you have a preference between the two or a strong leaning?","start":1511.65,"end":1514.39,"sentiment":"neutral","sentiment_score":0.06832621774325769},{"text":"Yep.","start":1519.09,"end":1519.59,"sentiment":"neutral","sentiment_score":0.2375112026929855},{"text":"Because yeah.","start":1520.625,"end":1523.8251,"sentiment":"neutral","sentiment_score":0.25901078432798386},{"text":"We do have about three really good options, some passive, some active.","start":1523.8251,"end":1528.305,"sentiment":"neutral","sentiment_score":0.32795816908280057},{"text":"So I'm more than happy to kind of look at replacing that Benelon option with, like, a passive ETF that'll just buy into the Australian 200 market.","start":1528.305,"end":1538.1,"sentiment":"positive","sentiment_score":0.41019332298526057}],"sentiment":"neutral","sentiment_score":0.3071512061826609,"num_words":54,"start":1511.65,"end":1538.1},{"sentences":[{"text":"And the fees for that, I think, are 0.06 percent.","start":1538.64,"end":1544.16,"sentiment":"neutral","sentiment_score":0.11414008662104606},{"text":"Very, very low because it's an ETF.","start":1544.16,"end":1546.02,"sentiment":"neutral","sentiment_score":0.2685294875076839},{"text":"Tiny little bit of brokerage for that, but I'll show you that in the statement of advice.","start":1547.285,"end":1550.825,"sentiment":"neutral","sentiment_score":0.13835081545745626},{"text":"Perfect.","start":1553.045,"end":1553.545,"sentiment":"positive","sentiment_score":0.42117974162101746},{"text":"Last two things I wanted to run by with you while I go through that update.","start":1554.165,"end":1558.1849,"sentiment":"neutral","sentiment_score":0.19818483293056488}],"sentiment":"neutral","sentiment_score":0.175788396275511,"num_words":51,"start":1538.64,"end":1558.1849},{"sentences":[{"text":"I'm going to just base the projections on the estimated employer contributions until we get a handle of how you do the contributions personally and things like that.","start":1559.38,"end":1569.86,"sentiment":"neutral","sentiment_score":0.17114325453128135},{"text":"So I'll definitely update that once we chat around May, June, if that's okay.","start":1569.86,"end":1574.52,"sentiment":"neutral","sentiment_score":0.11215253067868096},{"text":"Your beneficiary is still listing Dion as a 100% beneficiary for the super and the insurance because when you've got the hub twenty four insurances, it combines to the one beneficiary.","start":1576.8049,"end":1589.065,"sentiment":"neutral","sentiment_score":0.15693667242603918},{"text":"So I'm assuming you still wanna leave that in place.","start":1589.57,"end":1591.83,"sentiment":"neutral","sentiment_score":0.035212885960936545},{"text":"Yep.","start":1593.73,"end":1594.05,"sentiment":"neutral","sentiment_score":0.15118813514709473}],"sentiment":"neutral","sentiment_score":0.13964881424215578,"num_words":84,"start":1559.38,"end":1594.05},{"sentences":[{"text":"And lastly, with the insurances, we did transfer across that original cover.","start":1594.05,"end":1600.79,"sentiment":"neutral","sentiment_score":0.0968658346682787},{"text":"And I'm just gonna quickly bring up the current figures for your policy.","start":1600.85,"end":1605.975,"sentiment":"neutral","sentiment_score":0.10315967293886039},{"text":"I wasn't able to get, like, a certificate of currency.","start":1606.355,"end":1608.595,"sentiment":"neutral","sentiment_score":-0.04839762076735497},{"text":"Normally, I would send you one of those through.","start":1608.595,"end":1610.515,"sentiment":"neutral","sentiment_score":0.015068997240935763},{"text":"I'm gonna try and find one, but you have a $161,002.80 of life and disability insurance and just over 2,300 a month of income protection.","start":1610.515,"end":1622.26,"sentiment":"neutral","sentiment_score":0.030026279538869858}],"sentiment":"neutral","sentiment_score":0.04211257275639345,"num_words":69,"start":1594.05,"end":1622.26},{"sentences":[{"text":"Premiums are $80.29 per month.","start":1624.4,"end":1627.3,"sentiment":"neutral","sentiment_score":0.007390325516462326},{"text":"That's obviously before the 15% rebate.","start":1627.4401,"end":1629.8601,"sentiment":"neutral","sentiment_score":-0.017292981191227835},{"text":"Your income protection was a ninety day wait and a two year benefit period.","start":1630.16,"end":1635.235,"sentiment":"neutral","sentiment_score":-0.00950270502029785},{"text":"Now I know that you're kind of restricted a little bit in getting new cover or replacement cover just due to health.","start":1635.695,"end":1643.235,"sentiment":"neutral","sentiment_score":-0.1102584128014066},{"text":"Are you comfortable to keep this in place?","start":1643.375,"end":1645.455,"sentiment":"neutral","sentiment_score":-0.06028187973424792}],"sentiment":"neutral","sentiment_score":-0.056505168170075525,"num_words":55,"start":1624.4,"end":1645.455},{"sentences":[{"text":"Do you want me to look at some quotes and and attempt to get something different?","start":1645.455,"end":1649.235,"sentiment":"neutral","sentiment_score":-0.03990566427819431},{"text":"Okay.","start":1653.03,"end":1653.51,"sentiment":"neutral","sentiment_score":0.10785625129938126},{"text":"So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again.","start":1653.51,"end":1660.55,"sentiment":"neutral","sentiment_score":0.10007528254860326},{"text":"Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property.","start":1660.55,"end":1666.865,"sentiment":"neutral","sentiment_score":0.0749466648325324},{"text":"So it's probably a good idea to keep the life and TPD there.","start":1666.865,"end":1669.6649,"sentiment":"neutral","sentiment_score":0.2560912875028757}],"sentiment":"neutral","sentiment_score":0.08983936268782271,"num_words":69,"start":1645.455,"end":1669.6649},{"sentences":[{"text":"So when you've got a mortgage, you can help with that as well.","start":1669.6649,"end":1672.245,"sentiment":"neutral","sentiment_score":0.17420438677072525},{"text":"And then, obviously, the income protection, it's not gonna be perfectly in line with your income because it's it's not been increased to be 70% of what you have.","start":1673.345,"end":1682.59,"sentiment":"neutral","sentiment_score":-0.03717284360579375},{"text":"But, again, 2,300 a month should be helpful.","start":1682.6499,"end":1685.63,"sentiment":"neutral","sentiment_score":0.09883136721327901},{"text":"Cool.","start":1687.85,"end":1688.1699,"sentiment":"neutral","sentiment_score":0.1855960488319397},{"text":"The only one you don't have is trauma insurance, which is like heart attack, stroke, and cancer.","start":1688.1699,"end":1693.1499,"sentiment":"neutral","sentiment_score":-0.16496439453433542}],"sentiment":"neutral","sentiment_score":-0.009433869957266486,"num_words":68,"start":1669.6649,"end":1693.1499},{"sentences":[{"text":"It's only out of pocket.","start":1693.37,"end":1695.07,"sentiment":"neutral","sentiment_score":-0.21358553767204286},{"text":"But then again, public health system, family in those events, it's up to you if you want me to look for a quote for that or just leave it as the three that you have.","start":1696.625,"end":1706.005,"sentiment":"neutral","sentiment_score":0.10887008500950678},{"text":"Perfect.","start":1712.1599,"end":1712.6599,"sentiment":"positive","sentiment_score":0.6641936302185059},{"text":"When it comes to when it comes to trauma insurance, so the main ones it covers is, like, heart attack, stroke, cancer, organ failure, that kind of thing.","start":1713.12,"end":1724.1,"sentiment":"neutral","sentiment_score":0.04561077603804214},{"text":"So most of the existing health concerns so for example, we do have you on antidepressants.","start":1725.145,"end":1730.765,"sentiment":"neutral","sentiment_score":-0.02637642528861761}],"sentiment":"neutral","sentiment_score":0.05013879813692149,"num_words":85,"start":1693.37,"end":1730.765},{"sentences":[{"text":"Right?","start":1731.0651,"end":1731.5651,"sentiment":"neutral","sentiment_score":-0.0020354874432086945},{"text":"Normally, that would cause, like, a mental health exclusion, but that doesn't really affect trauma policies because they don't they're not linked to that.","start":1731.705,"end":1740.8999,"sentiment":"neutral","sentiment_score":-0.12401981170599659},{"text":"They're linked to more like a diagnosis a serious diagnosis of cancer.","start":1740.96,"end":1744.88,"sentiment":"neutral","sentiment_score":-0.16792995544771352},{"text":"Does that make sense?","start":1744.88,"end":1745.94,"sentiment":"neutral","sentiment_score":-0.04099023249000311},{"text":"The one that would be a bit of a concern would be the pre leukemia cells because you I believe we've got a note here that you see hematologist, and it's hereditary.","start":1747.5199,"end":1758.535,"sentiment":"neutral","sentiment_score":-0.09912247897591442}],"sentiment":"neutral","sentiment_score":-0.11410343412258854,"num_words":73,"start":1731.0651,"end":1758.535},{"sentences":[{"text":"Could you just tell me just a little bit more about that?","start":1759.155,"end":1761.575,"sentiment":"neutral","sentiment_score":-0.051965601121385895},{"text":"Yep.","start":1772.9299,"end":1773.4299,"sentiment":"neutral","sentiment_score":0.005932238884270191},{"text":"No.","start":1787.425,"end":1787.665,"sentiment":"neutral","sentiment_score":-0.09888152778148653},{"text":"That's what I was just about to ask.","start":1787.665,"end":1789.445,"sentiment":"neutral","sentiment_score":-0.07930041383951902},{"text":"Please.","start":1792.0801,"end":1792.4,"sentiment":"neutral","sentiment_score":0.25605398416519165}],"sentiment":"neutral","sentiment_score":-0.04760373169151337,"num_words":23,"start":1759.155,"end":1792.4},{"sentences":[{"text":"That'll be fantastic.","start":1792.4,"end":1793.38,"sentiment":"positive","sentiment_score":0.5780353943506876},{"text":"His is CLO?","start":1829.325,"end":1830.3849,"sentiment":"neutral","sentiment_score":-0.08351971457401912},{"text":"Yeah.","start":1833.8049,"end":1834.3049,"sentiment":"neutral","sentiment_score":-0.08133375644683838},{"text":"Is it by any chance?","start":1852.635,"end":1853.515,"sentiment":"neutral","sentiment_score":-0.03778596557676792},{"text":"I'm just having a bit of a Google while you look for it.","start":1853.515,"end":1856.635,"sentiment":"neutral","sentiment_score":-0.09359028677527721}],"sentiment":"neutral","sentiment_score":-0.0001356109231710434,"num_words":25,"start":1792.4,"end":1856.635},{"sentences":[{"text":"I'm coming up with high risk MDS, Immature white blood cells in the bone marrow.","start":1856.635,"end":1866.2999,"sentiment":"neutral","sentiment_score":-0.2061188042163849},{"text":"I'm assuming it's not that one.","start":1866.2999,"end":1868.08,"sentiment":"neutral","sentiment_score":-0.18351278702418009},{"text":"Male Lottie splastic syndrome.","start":1871.1799,"end":1874.3999,"sentiment":"neutral","sentiment_score":-0.16725767217576504},{"text":"Does that sound oh, no.","start":1874.955,"end":1876.5549,"sentiment":"neutral","sentiment_score":-0.1846259742975235},{"text":"That's MDS.","start":1876.5549,"end":1877.2949,"sentiment":"neutral","sentiment_score":-0.1724790558218956}],"sentiment":"neutral","sentiment_score":-0.19156179553829134,"num_words":32,"start":1856.635,"end":1877.2949},{"sentences":[{"text":"Oh, then they've got AL was acute leukemia.","start":1899.625,"end":1903.885,"sentiment":"neutral","sentiment_score":-0.10536078549921513},{"text":"MDS is familial.","start":1904.505,"end":1905.725,"sentiment":"neutral","sentiment_score":-0.07861630121866862},{"text":"Mylodysplastic, which is MDS.","start":1906.985,"end":1911.085,"sentiment":"neutral","sentiment_score":-0.06371221970766783},{"text":"That's the two that's coming up on the old Google there.","start":1911.385,"end":1914.125,"sentiment":"neutral","sentiment_score":-0.05535811829296025},{"text":"Any of that sound familiar?","start":1914.3401,"end":1915.64,"sentiment":"neutral","sentiment_score":-0.03832476809620857}],"sentiment":"neutral","sentiment_score":-0.06884345832851625,"num_words":31,"start":1899.625,"end":1915.64},{"sentences":[{"text":"Oh, yes.","start":1918.8201,"end":1919.56,"sentiment":"neutral","sentiment_score":0.012291906867176294},{"text":"Dear Lord.","start":1929.5549,"end":1930.2949,"sentiment":"neutral","sentiment_score":0.21069124341011047},{"text":"Thank you very much for the NBL there because I can okay.","start":1930.5149,"end":1935.8949,"sentiment":"positive","sentiment_score":0.3743588166932265},{"text":"Monoclonal b cell.","start":1936.115,"end":1937.6349,"sentiment":"neutral","sentiment_score":0.14664808909098306},{"text":"Yep.","start":1937.6349,"end":1938.1349,"sentiment":"neutral","sentiment_score":0.23195728659629825}],"sentiment":"neutral","sentiment_score":0.2805086827371269,"num_words":20,"start":1918.8201,"end":1938.1349},{"sentences":[{"text":"Perfect.","start":1938.2749,"end":1938.7749,"sentiment":"positive","sentiment_score":0.4563831090927124},{"text":"Because alright.","start":1938.9149,"end":1943.7,"sentiment":"neutral","sentiment_score":0.09260594099760056},{"text":"What I'll do is all of the insurers, we can kind of anonymously do a pre assessment with them.","start":1943.7,"end":1950.9199,"sentiment":"neutral","sentiment_score":0.044018831692243875},{"text":"What I can basically do is I'll get the team to call hopefully today, but it's a bit of a short day and Fridays are usually hard.","start":1952.26,"end":1958.7051,"sentiment":"neutral","sentiment_score":-0.09613011786671079},{"text":"And we'll just sort of see if it's possible to obtain trauma cover or if there's gonna be, like, an exclusion or something.","start":1959.005,"end":1965.665,"sentiment":"neutral","sentiment_score":-0.14555778095255728}],"sentiment":"neutral","sentiment_score":-0.062019296542631414,"num_words":72,"start":1938.2749,"end":1965.665},{"sentences":[{"text":"If it's possible, I'll put you up, like, a basic quote for maybe, like, a 100,000 for, like, medical costs and just sort of let you know what the pricing's like on that.","start":1965.9651,"end":1975.16,"sentiment":"neutral","sentiment_score":0.02480204152225545},{"text":"Because just with age itself, you it could be anywhere between 20 to $40 a month, or it could even be with a loading over a 100 to $200 a month.","start":1975.16,"end":1988.1749,"sentiment":"neutral","sentiment_score":-0.05580042603035127},{"text":"Is there a limit that you would like me to put down for an out of pocket cost?","start":1990.5549,"end":1994.395,"sentiment":"neutral","sentiment_score":-0.04836093530886703},{"text":"Because I know you're saving for a house.","start":1994.395,"end":1996.4149,"sentiment":"neutral","sentiment_score":0.03405221505090594},{"text":"Is there something where you would say if it's this small, that would be okay versus a hard no?","start":1996.7899,"end":2003.85,"sentiment":"neutral","sentiment_score":-0.015912900139626703}],"sentiment":"neutral","sentiment_score":-0.016621743619373634,"num_words":109,"start":1965.9651,"end":2003.85},{"sentences":[{"text":"Yep.","start":2013.445,"end":2013.605,"sentiment":"neutral","sentiment_score":0.020726049318909645},{"text":"And I just wanna put that down as a bit of a guide to the team because if if it comes up as $300 a month, I'm just gonna not even recommend it because that's far outside budget, and it's also gonna affect your ability to purchase a house.","start":2013.605,"end":2025.22,"sentiment":"neutral","sentiment_score":-0.2581783873314152},{"text":"So I'll just put that in there as a bit of a tentative.","start":2025.92,"end":2028.5,"sentiment":"neutral","sentiment_score":0.00022574206097767904},{"text":"When we go through the portfolio update, I'll have the quote there as well, and it's up to you whether you wanna sort of go ahead with it or not.","start":2029.6,"end":2037.135,"sentiment":"neutral","sentiment_score":0.042506891085455814},{"text":"I don't just get you the pricing.","start":2037.135,"end":2038.675,"sentiment":"neutral","sentiment_score":-0.053419556468725204}],"sentiment":"neutral","sentiment_score":-0.11725810445845126,"num_words":100,"start":2013.445,"end":2038.675},{"sentences":[{"text":"Perfect.","start":2041.615,"end":2042.115,"sentiment":"positive","sentiment_score":0.3706296384334564},{"text":"Alright, Faye.","start":2042.975,"end":2043.855,"sentiment":"neutral","sentiment_score":0.2522406578063965},{"text":"That's pretty much everything I needed to cover for the review.","start":2043.855,"end":2046.975,"sentiment":"neutral","sentiment_score":0.18469026549295944},{"text":"Do you have any questions for me at this point?","start":2046.975,"end":2049.18,"sentiment":"neutral","sentiment_score":0.06113489232957363},{"text":"Amazing.","start":2051.8198,"end":2052.3198,"sentiment":"positive","sentiment_score":0.3753513693809509}],"sentiment":"neutral","sentiment_score":0.15573616668581963,"num_words":25,"start":2041.615,"end":2052.3198},{"sentences":[{"text":"So I'm going to shoot you through your annual review pack.","start":2052.54,"end":2056.5598,"sentiment":"neutral","sentiment_score":0.16846717487681995},{"text":"It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement.","start":2056.7,"end":2070.885,"sentiment":"neutral","sentiment_score":0.11370887065475638},{"text":"So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance.","start":2071.265,"end":2082.32,"sentiment":"neutral","sentiment_score":0.03014500489966436},{"text":"When we get you up to 600,000, that's when it caps.","start":2082.7002,"end":2086.8801,"sentiment":"neutral","sentiment_score":-0.01572121942246502},{"text":"Obviously, we have clients that get up to $1.02, 3,000,000, and, you know, $30 is a little bit excessive, but that's why we put a bit of a cap on there as well.","start":2087.1,"end":2096.8352,"sentiment":"neutral","sentiment_score":-0.10195093985759851}],"sentiment":"neutral","sentiment_score":0.02531406932225651,"num_words":121,"start":2052.54,"end":2096.8352},{"sentences":[{"text":"Awesome.","start":2098.495,"end":2098.995,"sentiment":"neutral","sentiment_score":0.26718083024024963},{"text":"So I'll pop that through to your Hotmail.","start":2099.0552,"end":2100.995,"sentiment":"neutral","sentiment_score":0.17610054649412632},{"text":"This will actually come through our new system, which is called OdooSign.","start":2101.215,"end":2104.97,"sentiment":"neutral","sentiment_score":0.12769069770971933},{"text":"It's very similar to, like, a DocuSign.","start":2105.51,"end":2107.45,"sentiment":"neutral","sentiment_score":0.09407656001193183},{"text":"There will be excuse me.","start":2107.83,"end":2109.61,"sentiment":"neutral","sentiment_score":-0.013561438769102097}],"sentiment":"neutral","sentiment_score":0.1151212818469062,"num_words":33,"start":2098.495,"end":2109.61},{"sentences":[{"text":"Sorry then.","start":2111.43,"end":2111.99,"sentiment":"neutral","sentiment_score":-0.1398763507604599},{"text":"I had something stuck in my throat.","start":2111.99,"end":2113.75,"sentiment":"neutral","sentiment_score":-0.304217843072755},{"text":"There'll be some attachments with the reports, like PDF attachments, like a normal email, but then there'll actually be a link to the signable documents as well.","start":2113.75,"end":2121.485,"sentiment":"neutral","sentiment_score":0.09177499002328625},{"text":"So if you have any trouble, just call the team at the office number.","start":2121.485,"end":2125.345,"sentiment":"neutral","sentiment_score":0.04086394262100969},{"text":"Awesome.","start":2127.5652,"end":2127.965,"sentiment":"positive","sentiment_score":0.7658096551895142}],"sentiment":"neutral","sentiment_score":0.02757945057808184,"num_words":51,"start":2111.43,"end":2127.965},{"sentences":[{"text":"I'll pop that through to you now.","start":2127.965,"end":2129.5652,"sentiment":"positive","sentiment_score":0.6256266151155744},{"text":"Do you have any other questions for me before I let you go?","start":2129.5652,"end":2132.145,"sentiment":"neutral","sentiment_score":0.1954146887247379},{"text":"Amazing, Faye.","start":2134.31,"end":2135.27,"sentiment":"positive","sentiment_score":0.7668938338756561},{"text":"I wish you all the best of luck with your getting a hold of the the Pine Forest lot because that would be amazing.","start":2135.27,"end":2142.4102,"sentiment":"positive","sentiment_score":0.6879278868436813},{"text":"The team will probably give you a call in a couple of weeks time just to go through this updated plan with me.","start":2143.9102,"end":2150.965,"sentiment":"neutral","sentiment_score":0.18625903064789978}],"sentiment":"positive","sentiment_score":0.4238810422627822,"num_words":69,"start":2127.965,"end":2150.965},{"sentences":[{"text":"Amazing.","start":2150.965,"end":2151.445,"sentiment":"positive","sentiment_score":0.8033316135406494},{"text":"Have a fantastic weekend, and thank you for your time.","start":2151.445,"end":2155.445,"sentiment":"positive","sentiment_score":0.7903038918972015},{"text":"Thanks, Faye.","start":2155.445,"end":2156.245,"sentiment":"positive","sentiment_score":0.6277282238006592},{"text":"Bye.","start":2156.245,"end":2156.745,"sentiment":"neutral","sentiment_score":0.23317033052444455}],"sentiment":"positive","sentiment_score":0.7282140936170306,"num_words":14,"start":2150.965,"end":2156.745}]}}]},{"alternatives":[{"transcript":"Morning. Faith speaking. Hi. Good. Yourself? Awesome. Yep. Yeah. That's right. Yeah. I do. Yep. Date of birth is '72. We've actually changed it. Yes. So the previous address was 1 Slash 21 Robert Street, Madhubah, Queensland. Yep. We're now at 22 Laysan Crescent, Oxford. Yep. L A Y S A N. Yep. Awesome. Thank you. Yeah. Yep. Yep. No. Nothing significant other than the move. Yep. Yes. Yeah. No. Just one rental to another. Yep. The savings has gone down a bit, so we're only sitting at about 8,000 now. Yeah. We still got that. Well, that's something that's still in discussion with regards to my parents' estate. So my mother passed away. I had been estranged from my parents for the last fifteen years or sixteen years. And after my mother passed away, my father reached out, and we've been having a few conversations, but there's still quite a lot to to work through. And that invert that includes what's happening with that investment because it was given to us as a wedding present, but they never put it in our name. So, yeah. And just a couple of discussions I've had with my father, he's keeps saying that it's in the will being left to her daughter. So good. Yep. I went through several years ago. I had a credit card debt, and I put that through a an agency just to be able to to pay that down, not get stung with all that interest. So, yeah, a payment arrangement which yeah. That was oh, crikey. I think that was about 2013 or something like that. It took quite a long time to do this. Yes. Yeah. K. No. No. Since Business Solutions is the is it has been the main one, I've been with them for nearly ten years. But, yeah, I'm actually not working for MS Fabrications as of the February. So I'm currently contracting to a company called Darcy Bookkeeping in business services. So, yeah, I'm only in my third week with him. Yep. Mhmm. Yep. Yep. Yeah. Yep. Yeah. I was because I'm contracting to Darcy at the moment, I will have to make personal contributions for my super because I just invoice them for each week's work. I will have to have a look at what's what's involved there. I've only just sort of received payment of my first invoice this week. So, yeah, I'll go look and see how I do that. Mhmm. Okay. Yep. Okay. Yep. Mhmm. Okay. Yep. Great. Yes. That's right. Yes. Yep. Yeah. She's 21 and still living at home with us. Not as yet. No. I guess we've held off because we're not you know, we haven't bought another property as yet, but, yeah, still something that, you know, usual thing is that if they yeah. I should do that, and then it gets put on the back burner. Yep. Yep. Yeah. Definitely. Yep. That's yeah. The the biggest hurdle at the moment is just what we're gonna do to need as a deposit. Yeah. Still working through that. A lot of it stems on, you know, that investment which was supposed to have the trees were supposed to have been harvested last year, I think it was. And according to my father, there's been all sorts of discussions with the the investment group green plan that, yeah, people are upset because they're not getting what they had sort of been promised. Yeah. I haven't been on to the website just on, like, to see what's happening with the actual tech tier to see whether or not they've been Mhmm. Yep. Yep. Yep. Yeah. No. Some yeah. The trees are planted in 1996, and they've they've got, like, green plan forestry investments. They've got, you know, forests, a lot of forest to around New Zealand. And, you know, I think they sort of started planting maybe two years before this one was planted. So yeah. And, you know, going by what I can access to be able to read their their annual reports, you know, they were they were going through and harvesting those earlier ones. But because, you know, it's not in our name, I can't get any more information than what I can access on their website. Yeah. Yeah. Exactly. Yep. And so, yeah, that's still for the discussion there with my father too. Yeah. Again, ask why all of a sudden, you know, he's saying that it's in the will and left to our daughter when it was supposed to be our wedding gift and never been put in our name. I actually you know, I queried with GreenPlan how much it cost just to transfer it into our name, and it was a $100. So yeah. No. Yeah. Exactly. Very frustrating. It seems to just be New Zealand for that that a lot of investments. Yeah. Yeah. Yeah. Well, you know, it was sort of the one thing that we thought would help us to be able to get into another property. You know, in hindsight, having sold our our place up in Townsville to come down to the Gold Coast, you know, now we're we're still wondering, should we have held on to it for a bit longer? Because the equity's increased in that just in the time that we've been down here. Yeah. But it did what we had to do. Yep. Yep. Yep. Yep. That's right. No. No. I haven't had a look just sort of probably in the last two months. I think that's sort of how long it's been since I've last logged in. Yep. Yep. You know? Yeah. Yeah. I mean, yeah, I know it's not a lot of people. I mean, even talking to my father, he's now retired, you know, a lot of people get really, really anxious about it and start to panic, but, you know, I know how super works. We're in that we're in that for the the long haul. And I've been happy with how Hub twenty four has been performing since we've been in that, what, two years? Nearly three well, three years now. So, yeah, I've been I wasn't gonna panic. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Yep. Definitely. And and that is why, you know, I wasn't going to start panicking or be concerned about what's going on currently because, yeah, it's it's not something to be as worried about because I you know, we've we're not. We still got quite a few years before we retire. So, yeah, just happy to happy to sit, and things will work themselves out as they generally do and go from there. Yeah. Yes. Yep. Yeah. Mhmm. Yep. Yep. Yeah. I've actually just logged in with the FSA of a look see while we're talking. Yeah. Yep. Yeah. Yep. And as you probably know, from first of July, everyone's gonna be on payday super. So so they will all be weekly, so everybody will benefit from that. Yeah. Well, yeah, obviously, with my job as a bookkeeper, I've been working with my clients. I've had well, pretty much all but two of my clients with business service services. I've had them using doing payday super since before Christmas last year so that they've they've already practiced it. They're they're familiar with it. There's no bugs. You know, everything's just tracking along nicely. And yeah. Yeah. Aside from a couple of clients that are just like, oh, no. Just start doing that from the July 1. They'll they'll be fine because they they were previously accountants, and they look after the the majority of this their books themselves. They'll be fine with that. Yeah. They're responsible enough. Yep. But, yeah, it's good to get the clients starting early with it. And then, you know, yeah, if the it's if this is how it's affecting their super as well from when you're looking at the figures that's actually you know, that's that's a bonus. That's something they're probably not even aware of. I could sort of give them that feedback, and they'd be like, oh, yeah. Let me see how that would begin. Okay. So I'm good. Yeah. Yes. Yep. Yep. Yep. Yep. His. I'm not sure sort of what how it's how it's looking on the market, but I've obviously sort of seen some things in the news that David has been really pushing to to have oil refineries up and running back in Australia as quickly as possible, and they've already started fast tracking one in particular. Are they sort of more of a private enterprise or are they they something that that would affect the the Australian market in a positive way? Yes. Mhmm. Mhmm. Yep. Yep. Okay. Yep. But yeah. Yeah. Because I I just see it as a and, you know, obviously, it's a a massive positive for Australia in the fact that they've actually been able to get started on something very quickly, you know, can only be yeah. Can be a win win for for Australia. So yeah. Yep. Yep. Yep. Okay. Yes. Yep. Probably the lower fees. Just to maximize the investment. Mhmm. Okay. Yep. Yeah. Yep. Mhmm. Yeah. No problem. Yep. Mhmm. Yeah. Yep. Mhmm. Yep. Yep. No. That's okay. Yep. And it will leave it as it is. Yeah. Yep. Yep. Yep. No. That's fine. I wouldn't mind, yeah, left looking at a card for it. Yep. Yep. Yeah. Yep. Yeah. It's I'm seeing there's a hematologist every six months, so I have another blood test done prior to my appointment with him. And at the moment, it's just monitoring that nothing's changing with those cells. The the condition did I actually provide the the proper technical name for it? Right? Oh, yep. Yep. I'll find that for you. I I never remember the name of it because it's a bit of a long one. Sorry. Just a sec while I find yeah. The the hereditary side of it, I'm not a 100% sure about now because being able to speak to my father now, his condition is another form of leukemia, but it's referred to as for short, it's CLL. Whereas d l l. Yeah. Whereas mine is no. I can't. Let me find it. Where is it? State search. Mhmm. Not. No. Okay. So I finally found it. Took a while. Okay. So it's known as MBL, which is mono monoclonal b cell lymphocytosis. Yeah. So b cell yeah. So mhmm. Mhmm. 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Faith speaking. Hi. Good. Yourself?\n\nAwesome. Yep. Yeah. That's right. Yeah.\n\nI do. Yep. Date of birth is '72. We've actually changed it. Yes.\n\nSo the previous address was 1 Slash 21 Robert Street, Madhubah, Queensland. Yep. We're now at 22 Laysan Crescent, Oxford. Yep. L A Y S A N.\n\nYep. Awesome. Thank you. Yeah. Yep.\n\nYep. No. Nothing significant other than the move. Yep. Yes.\n\nYeah. No. Just one rental to another. Yep. The savings has gone down a bit, so we're only sitting at about 8,000 now.\n\nYeah. We still got that. Well, that's something that's still in discussion with regards to my parents' estate. So my mother passed away. I had been estranged from my parents for the last fifteen years or sixteen years.\n\nAnd after my mother passed away, my father reached out, and we've been having a few conversations, but there's still quite a lot to to work through. And that invert that includes what's happening with that investment because it was given to us as a wedding present, but they never put it in our name. So, yeah. And just a couple of discussions I've had with my father, he's keeps saying that it's in the will being left to her daughter. So good.\n\nYep. I went through several years ago. I had a credit card debt, and I put that through a an agency just to be able to to pay that down, not get stung with all that interest. So, yeah, a payment arrangement which yeah. That was oh, crikey.\n\nI think that was about 2013 or something like that. It took quite a long time to do this. Yes. Yeah. K.\n\nNo. No. Since Business Solutions is the is it has been the main one, I've been with them for nearly ten years. But, yeah, I'm actually not working for MS Fabrications as of the February. So I'm currently contracting to a company called Darcy Bookkeeping in business services.\n\nSo, yeah, I'm only in my third week with him. Yep. Mhmm. Yep. Yep.\n\nYeah. Yep. Yeah. I was because I'm contracting to Darcy at the moment, I will have to make personal contributions for my super because I just invoice them for each week's work. I will have to have a look at what's what's involved there.\n\nI've only just sort of received payment of my first invoice this week. So, yeah, I'll go look and see how I do that. Mhmm. Okay. Yep.\n\nOkay. Yep. Mhmm. Okay. Yep.\n\nGreat. Yes. That's right. Yes. Yep.\n\nYeah. She's 21 and still living at home with us. Not as yet. No. I guess we've held off because we're not you know, we haven't bought another property as yet, but, yeah, still something that, you know, usual thing is that if they yeah.\n\nI should do that, and then it gets put on the back burner. Yep. Yep. Yeah. Definitely.\n\nYep. That's yeah. The the biggest hurdle at the moment is just what we're gonna do to need as a deposit. Yeah. Still working through that.\n\nA lot of it stems on, you know, that investment which was supposed to have the trees were supposed to have been harvested last year, I think it was. And according to my father, there's been all sorts of discussions with the the investment group green plan that, yeah, people are upset because they're not getting what they had sort of been promised. Yeah. I haven't been on to the website just on, like, to see what's happening with the actual tech tier to see whether or not they've been Mhmm. Yep.\n\nYep. Yep. Yeah. No. Some yeah.\n\nThe trees are planted in 1996, and they've they've got, like, green plan forestry investments. They've got, you know, forests, a lot of forest to around New Zealand. And, you know, I think they sort of started planting maybe two years before this one was planted. So yeah. And, you know, going by what I can access to be able to read their their annual reports, you know, they were they were going through and harvesting those earlier ones.\n\nBut because, you know, it's not in our name, I can't get any more information than what I can access on their website. Yeah. Yeah. Exactly. Yep.\n\nAnd so, yeah, that's still for the discussion there with my father too. Yeah. Again, ask why all of a sudden, you know, he's saying that it's in the will and left to our daughter when it was supposed to be our wedding gift and never been put in our name. I actually you know, I queried with GreenPlan how much it cost just to transfer it into our name, and it was a $100. So yeah.\n\nNo. Yeah. Exactly. Very frustrating. It seems to just be New Zealand for that that a lot of investments.\n\nYeah. Yeah. Yeah. Well, you know, it was sort of the one thing that we thought would help us to be able to get into another property. You know, in hindsight, having sold our our place up in Townsville to come down to the Gold Coast, you know, now we're we're still wondering, should we have held on to it for a bit longer?\n\nBecause the equity's increased in that just in the time that we've been down here. Yeah. But it did what we had to do. Yep. Yep.\n\nYep. Yep. That's right. No. No.\n\nI haven't had a look just sort of probably in the last two months. I think that's sort of how long it's been since I've last logged in. Yep. Yep. You know?\n\nYeah. Yeah. I mean, yeah, I know it's not a lot of people. I mean, even talking to my father, he's now retired, you know, a lot of people get really, really anxious about it and start to panic, but, you know, I know how super works. We're in that we're in that for the the long haul.\n\nAnd I've been happy with how Hub twenty four has been performing since we've been in that, what, two years? Nearly three well, three years now. So, yeah, I've been I wasn't gonna panic. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nYep. Definitely. And and that is why, you know, I wasn't going to start panicking or be concerned about what's going on currently because, yeah, it's it's not something to be as worried about because I you know, we've we're not. We still got quite a few years before we retire. So, yeah, just happy to happy to sit, and things will work themselves out as they generally do and go from there.\n\nYeah. Yes. Yep. Yeah. Mhmm.\n\nYep. Yep. Yeah. I've actually just logged in with the FSA of a look see while we're talking. Yeah.\n\nYep. Yeah. Yep. And as you probably know, from first of July, everyone's gonna be on payday super. So so they will all be weekly, so everybody will benefit from that.\n\nYeah. Well, yeah, obviously, with my job as a bookkeeper, I've been working with my clients. I've had well, pretty much all but two of my clients with business service services. I've had them using doing payday super since before Christmas last year so that they've they've already practiced it. They're they're familiar with it.\n\nThere's no bugs. You know, everything's just tracking along nicely. And yeah. Yeah. Aside from a couple of clients that are just like, oh, no.\n\nJust start doing that from the July 1. They'll they'll be fine because they they were previously accountants, and they look after the the majority of this their books themselves. They'll be fine with that. Yeah. They're responsible enough.\n\nYep. But, yeah, it's good to get the clients starting early with it. And then, you know, yeah, if the it's if this is how it's affecting their super as well from when you're looking at the figures that's actually you know, that's that's a bonus. That's something they're probably not even aware of. I could sort of give them that feedback, and they'd be like, oh, yeah.\n\nLet me see how that would begin. Okay. So I'm good. Yeah. Yes.\n\nYep. Yep. Yep. Yep. His.\n\nI'm not sure sort of what how it's how it's looking on the market, but I've obviously sort of seen some things in the news that David has been really pushing to to have oil refineries up and running back in Australia as quickly as possible, and they've already started fast tracking one in particular. Are they sort of more of a private enterprise or are they they something that that would affect the the Australian market in a positive way? Yes. Mhmm. Mhmm.\n\nYep. Yep. Okay. Yep. But yeah.\n\nYeah. Because I I just see it as a and, you know, obviously, it's a a massive positive for Australia in the fact that they've actually been able to get started on something very quickly, you know, can only be yeah. Can be a win win for for Australia. So yeah. Yep.\n\nYep. Yep. Okay. Yes. Yep.\n\nProbably the lower fees. Just to maximize the investment. Mhmm. Okay. Yep.\n\nYeah. Yep. Mhmm. Yeah. No problem.\n\nYep. Mhmm. Yeah. Yep. Mhmm.\n\nYep. Yep. No. That's okay. Yep.\n\nAnd it will leave it as it is. Yeah. Yep. Yep. Yep.\n\nNo. That's fine. I wouldn't mind, yeah, left looking at a card for it. Yep. Yep.\n\nYeah. Yep. Yeah. It's I'm seeing there's a hematologist every six months, so I have another blood test done prior to my appointment with him. And at the moment, it's just monitoring that nothing's changing with those cells.\n\nThe the condition did I actually provide the the proper technical name for it? Right? Oh, yep. Yep. I'll find that for you.\n\nI I never remember the name of it because it's a bit of a long one. Sorry. Just a sec while I find yeah. The the hereditary side of it, I'm not a 100% sure about now because being able to speak to my father now, his condition is another form of leukemia, but it's referred to as for short, it's CLL. Whereas d l l.\n\nYeah. Whereas mine is no. I can't. Let me find it. Where is it?\n\nState search. Mhmm. Not. No. Okay.\n\nSo I finally found it. Took a while. Okay. So it's known as MBL, which is mono monoclonal b cell lymphocytosis. Yeah.\n\nSo b cell yeah. So mhmm. Mhmm. Yep. Yeah.\n\nProbably like that 40 to $50 a month, hopefully. Yes. Yep. Mhmm. Yep.\n\nYep. No worries. No. Not all good. Thank you.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nOkay. No problem. No. No. All good.\n\nThank you. Yep. Yep. Okay. Wonderful.\n\nYou too. Thanks very much. Bye now. Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.12416893243789671},{"text":"Faith 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N.","start":59.39,"end":61.33,"sentiment":"neutral","sentiment_score":0.008949731942266226}],"sentiment":"neutral","sentiment_score":0.01624088223885607,"num_words":27,"start":42.485,"end":61.33},{"sentences":[{"text":"Yep.","start":63.71,"end":64.21,"sentiment":"neutral","sentiment_score":0.06215295195579529},{"text":"Awesome.","start":82.565,"end":82.965,"sentiment":"positive","sentiment_score":0.41878604888916016},{"text":"Thank you.","start":82.965,"end":83.625,"sentiment":"positive","sentiment_score":0.40568965673446655},{"text":"Yeah.","start":110.604996,"end":110.765,"sentiment":"neutral","sentiment_score":0.03200681507587433},{"text":"Yep.","start":110.765,"end":111.16499,"sentiment":"neutral","sentiment_score":0.034859463572502136}],"sentiment":"neutral","sentiment_score":0.22653076549371085,"num_words":6,"start":63.71,"end":111.16499},{"sentences":[{"text":"Yep.","start":111.16499,"end":111.66499,"sentiment":"neutral","sentiment_score":0.06824861466884613},{"text":"No.","start":120.79,"end":121.03,"sentiment":"neutral","sentiment_score":-0.15885278582572937},{"text":"Nothing significant other than the 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years.","start":182.47,"end":189.66501,"sentiment":"neutral","sentiment_score":-0.10509670128424962}],"sentiment":"neutral","sentiment_score":-0.05997991047211384,"num_words":38,"start":161.615,"end":189.66501},{"sentences":[{"text":"And after my mother passed away, my father reached out, and we've been having a few conversations, but there's still quite a lot to to work through.","start":189.725,"end":200.14,"sentiment":"neutral","sentiment_score":-0.16886501924859154},{"text":"And that invert that includes what's happening with that investment because it was given to us as a wedding present, but they never put it in our name.","start":200.51999,"end":212.62,"sentiment":"neutral","sentiment_score":-0.09998588516776051},{"text":"So, yeah.","start":212.92,"end":214.675,"sentiment":"neutral","sentiment_score":-0.043966714292764664},{"text":"And just a couple of discussions I've had with my father, he's keeps saying that it's in the will being left to her daughter.","start":214.895,"end":224.355,"sentiment":"neutral","sentiment_score":-0.07075311942026019},{"text":"So good.","start":225.855,"end":227.555,"sentiment":"neutral","sentiment_score":0.15946363285183907}],"sentiment":"neutral","sentiment_score":-0.1063378473900887,"num_words":83,"start":189.725,"end":227.555},{"sentences":[{"text":"Yep.","start":233.9625,"end":234.4625,"sentiment":"neutral","sentiment_score":0.05460413545370102},{"text":"I went through several years ago.","start":255.84,"end":258.98,"sentiment":"neutral","sentiment_score":-0.060462559262911476},{"text":"I had a credit card debt, and I put that through a an agency just to be able to to pay that down, not get stung with all that interest.","start":259.36002,"end":269.38,"sentiment":"neutral","sentiment_score":-0.1290612330039342},{"text":"So, yeah, a payment arrangement which yeah.","start":270.615,"end":273.495,"sentiment":"neutral","sentiment_score":0.10324143671563693},{"text":"That was oh, crikey.","start":273.495,"end":275.415,"sentiment":"neutral","sentiment_score":-0.01514560915529728}],"sentiment":"neutral","sentiment_score":-0.07328959562194844,"num_words":48,"start":233.9625,"end":275.415},{"sentences":[{"text":"I think that was about 2013 or something like that.","start":275.415,"end":278.475,"sentiment":"neutral","sentiment_score":0.02493535801768303},{"text":"It took quite a long time to do 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Darcy at the moment, I will have to make personal contributions for my super because I just invoice them for each week's work.","start":370.38,"end":382.745,"sentiment":"neutral","sentiment_score":0.06547634881632082},{"text":"I will have to have a look at what's what's involved there.","start":392.97,"end":396.11,"sentiment":"neutral","sentiment_score":0.025496668143508334}],"sentiment":"neutral","sentiment_score":0.05494854242583229,"num_words":44,"start":368.78,"end":396.11},{"sentences":[{"text":"I've only just sort of received payment of my first invoice this week.","start":396.16998,"end":399.87,"sentiment":"neutral","sentiment_score":0.01346789701626851},{"text":"So, yeah, I'll go look and see how I do 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right.","start":475.78,"end":476.52,"sentiment":"neutral","sentiment_score":0.10934221744537354},{"text":"Yes.","start":481.78,"end":482.18,"sentiment":"neutral","sentiment_score":0.062453966587781906},{"text":"Yep.","start":482.18,"end":482.68,"sentiment":"neutral","sentiment_score":0.0857090875506401}],"sentiment":"neutral","sentiment_score":0.18199614249169827,"num_words":6,"start":461.845,"end":482.68},{"sentences":[{"text":"Yeah.","start":491.055,"end":491.535,"sentiment":"neutral","sentiment_score":0.04145357757806778},{"text":"She's 21 and still living at home with us.","start":491.535,"end":494.595,"sentiment":"neutral","sentiment_score":0.0224920938619309},{"text":"Not as yet.","start":511.735,"end":512.935,"sentiment":"neutral","sentiment_score":-0.12177345405022304},{"text":"No.","start":512.935,"end":513.435,"sentiment":"neutral","sentiment_score":-0.04599855840206146},{"text":"I guess we've held off because we're not you know, we haven't bought another property as yet, but, yeah, still something that, you know, usual thing is that if they yeah.","start":514.455,"end":526.79,"sentiment":"neutral","sentiment_score":-0.0846687649046221}],"sentiment":"neutral","sentiment_score":-0.06204818245023489,"num_words":45,"start":491.055,"end":526.79},{"sentences":[{"text":"I should do that, and then it gets put on the back burner.","start":526.79,"end":529.29,"sentiment":"neutral","sentiment_score":-0.14983395773630875},{"text":"Yep.","start":539.415,"end":539.915,"sentiment":"neutral","sentiment_score":0.26310375332832336},{"text":"Yep.","start":543.89496,"end":544.39496,"sentiment":"neutral","sentiment_score":0.2133685052394867},{"text":"Yeah.","start":563.265,"end":563.505,"sentiment":"neutral","sentiment_score":0.14279556274414062},{"text":"Definitely.","start":563.505,"end":564.005,"sentiment":"neutral","sentiment_score":0.17822860181331637}],"sentiment":"neutral","sentiment_score":-0.06766735455569099,"num_words":17,"start":526.79,"end":564.005},{"sentences":[{"text":"Yep.","start":564.22504,"end":564.705,"sentiment":"neutral","sentiment_score":0.08679758012294769},{"text":"That's yeah.","start":564.705,"end":565.34503,"sentiment":"neutral","sentiment_score":0.019344257190823555},{"text":"The the biggest hurdle at the moment is just what we're gonna do to need as a deposit.","start":565.34503,"end":570.005,"sentiment":"neutral","sentiment_score":-0.2533764565984408},{"text":"Yeah.","start":576.705,"end":577.10504,"sentiment":"neutral","sentiment_score":-0.037467099726200104},{"text":"Still working through that.","start":577.10504,"end":578.48505,"sentiment":"neutral","sentiment_score":-0.06337755359709263}],"sentiment":"neutral","sentiment_score":-0.1817795168608427,"num_words":26,"start":564.22504,"end":578.48505},{"sentences":[{"text":"A lot of it stems on, you know, that investment which was supposed to have the trees were supposed to have been harvested last year, I think it was.","start":579.38,"end":590.835,"sentiment":"neutral","sentiment_score":-0.09637952544565859},{"text":"And according to my father, there's been all sorts of discussions with the the investment group green plan that, yeah, people are upset because they're not getting what they had sort of been promised.","start":591.715,"end":607.99005,"sentiment":"neutral","sentiment_score":-0.2229343337171218},{"text":"Yeah.","start":611.89,"end":612.21,"sentiment":"neutral","sentiment_score":-0.1208864152431488},{"text":"I haven't been on to the website just on, like, to see what's happening with the actual tech tier to see whether or not they've been Mhmm.","start":612.21,"end":642.75,"sentiment":"neutral","sentiment_score":-0.10677766808550115},{"text":"Yep.","start":653.135,"end":653.635,"sentiment":"neutral","sentiment_score":0.1713285893201828}],"sentiment":"neutral","sentiment_score":-0.14355791791888844,"num_words":92,"start":579.38,"end":653.635},{"sentences":[{"text":"Yep.","start":655.455,"end":655.935,"sentiment":"neutral","sentiment_score":0.0931415781378746},{"text":"Yep.","start":655.935,"end":656.435,"sentiment":"neutral","sentiment_score":0.08637592196464539},{"text":"Yeah.","start":657.02997,"end":657.26996,"sentiment":"neutral","sentiment_score":0.06752669811248779},{"text":"No.","start":657.26996,"end":657.76996,"sentiment":"neutral","sentiment_score":0.016947738826274872},{"text":"Some yeah.","start":657.82996,"end":658.47,"sentiment":"neutral","sentiment_score":0.03882122226059437}],"sentiment":"neutral","sentiment_score":0.05693906359374523,"num_words":6,"start":655.455,"end":658.47},{"sentences":[{"text":"The trees are planted in 1996, and they've they've got, like, green plan forestry investments.","start":658.47,"end":664.64996,"sentiment":"neutral","sentiment_score":0.07740352104107538},{"text":"They've got, you know, forests, a lot of forest to around New Zealand.","start":664.79,"end":671.315,"sentiment":"neutral","sentiment_score":0.06444327218028215},{"text":"And, you know, I think they sort of started planting maybe two years before this one was planted.","start":673.135,"end":680.27496,"sentiment":"neutral","sentiment_score":0.023906204539040726},{"text":"So yeah.","start":682.51,"end":683.87,"sentiment":"neutral","sentiment_score":0.054550016298890114},{"text":"And, you know, going by what I can access to be able to read their their annual reports, you know, they were they were going through and harvesting those earlier 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website.","start":701.545,"end":709.565,"sentiment":"neutral","sentiment_score":-0.12400267840079639},{"text":"Yeah.","start":712.42,"end":712.92,"sentiment":"neutral","sentiment_score":-0.04134334623813629},{"text":"Yeah.","start":714.66,"end":714.89996,"sentiment":"neutral","sentiment_score":0.018198370933532715},{"text":"Exactly.","start":714.89996,"end":715.39996,"sentiment":"neutral","sentiment_score":0.042268238961696625},{"text":"Yep.","start":715.62,"end":716.01996,"sentiment":"neutral","sentiment_score":0.03885406255722046}],"sentiment":"neutral","sentiment_score":-0.10348460285200013,"num_words":27,"start":701.545,"end":716.01996},{"sentences":[{"text":"And so, yeah, that's still for the discussion there with my father too.","start":716.01996,"end":720.83997,"sentiment":"neutral","sentiment_score":0.024846033121530827},{"text":"Yeah.","start":722.33997,"end":722.83997,"sentiment":"neutral","sentiment_score":-0.006670054048299789},{"text":"Again, ask why all of a sudden, you 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yeah.","start":745.49,"end":747.03,"sentiment":"neutral","sentiment_score":0.007433642633259296}],"sentiment":"neutral","sentiment_score":-0.023097540348671473,"num_words":77,"start":716.01996,"end":747.03},{"sentences":[{"text":"No.","start":750.45,"end":750.95,"sentiment":"neutral","sentiment_score":-0.32357484102249146},{"text":"Yeah.","start":753.095,"end":753.495,"sentiment":"neutral","sentiment_score":-0.04136171191930771},{"text":"Exactly.","start":753.495,"end":753.995,"sentiment":"neutral","sentiment_score":-0.05276568979024887},{"text":"Very frustrating.","start":756.21497,"end":757.035,"sentiment":"negative","sentiment_score":-0.3488423675298691},{"text":"It seems to just be New Zealand for that that a lot of 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know?","start":930.83496,"end":931.495,"sentiment":"neutral","sentiment_score":0.016783847473561764}],"sentiment":"neutral","sentiment_score":0.026463148940820247,"num_words":32,"start":880.285,"end":931.495},{"sentences":[{"text":"Yeah.","start":931.795,"end":932.295,"sentiment":"neutral","sentiment_score":-0.004383664578199387},{"text":"Yeah.","start":932.435,"end":932.675,"sentiment":"neutral","sentiment_score":-0.0013332944363355637},{"text":"I mean, yeah, I know it's not a lot of people.","start":932.675,"end":934.75494,"sentiment":"neutral","sentiment_score":-0.054542115296829834},{"text":"I mean, even talking to my father, he's now retired, you know, a lot of people get really, really anxious about it and start to panic, but, you know, I know how super works.","start":934.75494,"end":946.19,"sentiment":"neutral","sentiment_score":-0.01151427226688932},{"text":"We're in that we're in that for the the long haul.","start":946.19,"end":948.76996,"sentiment":"neutral","sentiment_score":0.11238299242474815}],"sentiment":"neutral","sentiment_score":0.004121507453764307,"num_words":58,"start":931.795,"end":948.76996},{"sentences":[{"text":"And I've been happy with how Hub twenty four has been performing since we've been in that, what, two years?","start":949.70996,"end":955.98505,"sentiment":"neutral","sentiment_score":0.2548353083431721},{"text":"Nearly three well, three years now.","start":956.04504,"end":957.98505,"sentiment":"neutral","sentiment_score":0.1084736982981364},{"text":"So, yeah, I've been I wasn't gonna 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actually just logged in with the FSA of a look see while we're talking.","start":1092.3501,"end":1097.495,"sentiment":"neutral","sentiment_score":0.07340424408515295},{"text":"Yeah.","start":1097.495,"end":1097.995,"sentiment":"neutral","sentiment_score":0.1230986714363098}],"sentiment":"neutral","sentiment_score":0.08011873419347562,"num_words":19,"start":1089.87,"end":1097.995},{"sentences":[{"text":"Yep.","start":1107.815,"end":1108.315,"sentiment":"neutral","sentiment_score":0.21691355109214783},{"text":"Yeah.","start":1111.97,"end":1112.37,"sentiment":"neutral","sentiment_score":0.17128372192382812},{"text":"Yep.","start":1112.37,"end":1112.61,"sentiment":"neutral","sentiment_score":0.03042314387857914},{"text":"And as you probably know, from first of July, everyone's gonna be on payday super.","start":1112.61,"end":1120.0701,"sentiment":"neutral","sentiment_score":0.06547692343592644},{"text":"So so they will all be weekly, so everybody will benefit from 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no.","start":1171.015,"end":1173.815,"sentiment":"neutral","sentiment_score":0.0645766385520498}],"sentiment":"neutral","sentiment_score":0.15991634890437126,"num_words":25,"start":1161.9401,"end":1173.815},{"sentences":[{"text":"Just start doing that from the July 1.","start":1173.815,"end":1175.9949,"sentiment":"neutral","sentiment_score":0.05896499892696738},{"text":"They'll they'll be fine because they they were previously accountants, and they look after the the majority of this their books themselves.","start":1176.375,"end":1185.035,"sentiment":"neutral","sentiment_score":0.07222827625545589},{"text":"They'll be fine with that.","start":1185.9401,"end":1187.24,"sentiment":"neutral","sentiment_score":0.047989124059677125},{"text":"Yeah.","start":1187.86,"end":1188.1,"sentiment":"neutral","sentiment_score":0.007681410294026136},{"text":"They're responsible 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not sure sort of what how it's how it's looking on the market, but I've obviously sort of seen some things in the news that David has been really pushing to to have oil refineries up and running back in Australia as quickly as possible, and they've already started fast tracking one in particular.","start":1316.325,"end":1342.83,"sentiment":"neutral","sentiment_score":0.17255753763655032},{"text":"Are they sort of more of a private enterprise or are they they something that that would affect the the Australian market in a positive way?","start":1345.355,"end":1355.295,"sentiment":"neutral","sentiment_score":0.009321065494217552},{"text":"Yes.","start":1383.5851,"end":1384.0851,"sentiment":"neutral","sentiment_score":0.03362985700368881},{"text":"Mhmm.","start":1391.07,"end":1391.57,"sentiment":"neutral","sentiment_score":0.03332801163196564},{"text":"Mhmm.","start":1400.35,"end":1400.775,"sentiment":"neutral","sentiment_score":0.07898926734924316}],"sentiment":"neutral","sentiment_score":0.11760665962910502,"num_words":84,"start":1316.325,"end":1400.775},{"sentences":[{"text":"Yep.","start":1413.3351,"end":1413.8351,"sentiment":"neutral","sentiment_score":0.04285296797752381},{"text":"Yep.","start":1414.375,"end":1414.855,"sentiment":"neutral","sentiment_score":0.046698592603206635},{"text":"Okay.","start":1414.855,"end":1415.355,"sentiment":"neutral","sentiment_score":0.0977885276079178},{"text":"Yep.","start":1415.495,"end":1415.995,"sentiment":"neutral","sentiment_score":0.10610564053058624},{"text":"But yeah.","start":1416.4601,"end":1416.9401,"sentiment":"neutral","sentiment_score":0.10749387368559837}],"sentiment":"neutral","sentiment_score":0.08473891268173854,"num_words":6,"start":1413.3351,"end":1416.9401},{"sentences":[{"text":"Yeah.","start":1416.9401,"end":1417.26,"sentiment":"neutral","sentiment_score":0.22301797568798065},{"text":"Because I I just see it as a and, you know, obviously, it's a a massive positive for Australia in the fact that they've actually been able to get started on something very quickly, you know, can only be yeah.","start":1417.26,"end":1436.395,"sentiment":"positive","sentiment_score":0.6025869131088257},{"text":"Can be a win win for for Australia.","start":1436.395,"end":1438.8151,"sentiment":"positive","sentiment_score":0.6121873259544373},{"text":"So yeah.","start":1439.115,"end":1441.6951,"sentiment":"neutral","sentiment_score":0.16530273854732513},{"text":"Yep.","start":1456.45,"end":1456.815,"sentiment":"neutral","sentiment_score":0.06541406363248825}],"sentiment":"positive","sentiment_score":0.5696156278539163,"num_words":52,"start":1416.9401,"end":1456.815},{"sentences":[{"text":"Yep.","start":1477.87,"end":1478.1901,"sentiment":"neutral","sentiment_score":0.17799437046051023},{"text":"Yep.","start":1478.1901,"end":1478.5901,"sentiment":"neutral","sentiment_score":0.14037898182868958},{"text":"Okay.","start":1478.5901,"end":1479.0901,"sentiment":"neutral","sentiment_score":0.13773714005947113},{"text":"Yes.","start":1501.85,"end":1502.35,"sentiment":"neutral","sentiment_score":0.11502009630203248},{"text":"Yep.","start":1502.49,"end":1502.99,"sentiment":"neutral","sentiment_score":0.1516331136226654}],"sentiment":"neutral","sentiment_score":0.14455274045467376,"num_words":5,"start":1477.87,"end":1502.99},{"sentences":[{"text":"Probably the lower fees.","start":1516.7949,"end":1518.4149,"sentiment":"neutral","sentiment_score":0.1373912449926138},{"text":"Just to maximize the investment.","start":1520.5549,"end":1522.575,"sentiment":"positive","sentiment_score":0.3445331782102585},{"text":"Mhmm.","start":1538.6901,"end":1539.1901,"sentiment":"neutral","sentiment_score":0.10401422530412674},{"text":"Okay.","start":1551.275,"end":1551.775,"sentiment":"neutral","sentiment_score":0.17099550366401672},{"text":"Yep.","start":1551.8351,"end":1552.3351,"sentiment":"neutral","sentiment_score":0.24223391711711884}],"sentiment":"neutral","sentiment_score":0.23245620975891748,"num_words":12,"start":1516.7949,"end":1552.3351},{"sentences":[{"text":"Yeah.","start":1570.5549,"end":1571.0549,"sentiment":"neutral","sentiment_score":0.12732157111167908},{"text":"Yep.","start":1571.835,"end":1572.335,"sentiment":"neutral","sentiment_score":0.08708032965660095},{"text":"Mhmm.","start":1574.075,"end":1574.575,"sentiment":"neutral","sentiment_score":0.07377056777477264},{"text":"Yeah.","start":1574.715,"end":1575.115,"sentiment":"neutral","sentiment_score":0.12083077430725098},{"text":"No problem.","start":1575.115,"end":1575.775,"sentiment":"neutral","sentiment_score":0.21001075208187103}],"sentiment":"neutral","sentiment_score":0.13817079116900763,"num_words":6,"start":1570.5549,"end":1575.775},{"sentences":[{"text":"Yep.","start":1585.45,"end":1585.95,"sentiment":"neutral","sentiment_score":0.1402744501829147},{"text":"Mhmm.","start":1589.93,"end":1590.43,"sentiment":"neutral","sentiment_score":0.039319828152656555},{"text":"Yeah.","start":1592.25,"end":1592.65,"sentiment":"neutral","sentiment_score":0.1869488954544067},{"text":"Yep.","start":1592.65,"end":1593.15,"sentiment":"neutral","sentiment_score":0.16615301370620728},{"text":"Mhmm.","start":1611.9,"end":1612.4,"sentiment":"neutral","sentiment_score":0.020244013518095016}],"sentiment":"neutral","sentiment_score":0.11058804020285606,"num_words":5,"start":1585.45,"end":1612.4},{"sentences":[{"text":"Yep.","start":1618.1174,"end":1618.6174,"sentiment":"neutral","sentiment_score":0.04827594384551048},{"text":"Yep.","start":1635.855,"end":1636.355,"sentiment":"neutral","sentiment_score":0.05519447475671768},{"text":"No.","start":1649.63,"end":1649.9501,"sentiment":"neutral","sentiment_score":-0.14408697187900543},{"text":"That's okay.","start":1649.9501,"end":1650.59,"sentiment":"neutral","sentiment_score":0.020070090889930725},{"text":"Yep.","start":1650.59,"end":1650.91,"sentiment":"neutral","sentiment_score":0.22569504380226135}],"sentiment":"neutral","sentiment_score":0.03753644538422426,"num_words":6,"start":1618.1174,"end":1650.91},{"sentences":[{"text":"And it will leave it as it is.","start":1650.91,"end":1652.4501,"sentiment":"neutral","sentiment_score":0.1829883810132742},{"text":"Yeah.","start":1672.62,"end":1673.12,"sentiment":"neutral","sentiment_score":0.043189238756895065},{"text":"Yep.","start":1680.785,"end":1681.285,"sentiment":"neutral","sentiment_score":-0.023543961346149445},{"text":"Yep.","start":1685.905,"end":1686.385,"sentiment":"neutral","sentiment_score":0.055697135627269745},{"text":"Yep.","start":1686.385,"end":1686.5449,"sentiment":"neutral","sentiment_score":0.05473047494888306}],"sentiment":"neutral","sentiment_score":0.132831661341091,"num_words":12,"start":1650.91,"end":1686.5449},{"sentences":[{"text":"No.","start":1686.5449,"end":1686.785,"sentiment":"neutral","sentiment_score":-0.012734867632389069},{"text":"That's fine.","start":1686.785,"end":1687.605,"sentiment":"neutral","sentiment_score":0.1018524020910263},{"text":"I wouldn't mind, yeah, left looking at a card for it.","start":1707.0199,"end":1710.6399,"sentiment":"neutral","sentiment_score":0.13410468805919995},{"text":"Yep.","start":1736.51,"end":1737.01,"sentiment":"neutral","sentiment_score":-0.06940561532974243},{"text":"Yep.","start":1738.83,"end":1739.295,"sentiment":"neutral","sentiment_score":-0.13853541016578674}],"sentiment":"neutral","sentiment_score":0.09113627998158336,"num_words":16,"start":1686.5449,"end":1739.295},{"sentences":[{"text":"Yeah.","start":1746.0951,"end":1746.415,"sentiment":"neutral","sentiment_score":-0.001326216384768486},{"text":"Yep.","start":1746.415,"end":1746.915,"sentiment":"neutral","sentiment_score":-0.001496812328696251},{"text":"Yeah.","start":1762.24,"end":1762.64,"sentiment":"neutral","sentiment_score":-0.013363456353545187},{"text":"It's I'm seeing there's a hematologist every six months, so I have another blood test done prior to my appointment with him.","start":1762.64,"end":1772.635,"sentiment":"neutral","sentiment_score":-0.01698240963742137},{"text":"And at the moment, it's just monitoring that nothing's changing with those cells.","start":1772.775,"end":1777.515,"sentiment":"neutral","sentiment_score":-0.02630153291213971}],"sentiment":"neutral","sentiment_score":-0.019255774340739374,"num_words":38,"start":1746.0951,"end":1777.515},{"sentences":[{"text":"The the condition did I actually provide the the proper technical name for it?","start":1779.495,"end":1787.1699,"sentiment":"neutral","sentiment_score":-0.0020017657828118123},{"text":"Right?","start":1788.6699,"end":1789.07,"sentiment":"neutral","sentiment_score":-0.05309368669986725},{"text":"Oh, yep.","start":1789.07,"end":1789.63,"sentiment":"neutral","sentiment_score":0.03428860008716583},{"text":"Yep.","start":1789.63,"end":1789.95,"sentiment":"neutral","sentiment_score":0.09434866160154344},{"text":"I'll find that for you.","start":1789.95,"end":1791.33,"sentiment":"neutral","sentiment_score":0.13509704172611237}],"sentiment":"neutral","sentiment_score":0.03292576794553062,"num_words":23,"start":1779.495,"end":1791.33},{"sentences":[{"text":"I I never remember the name of it because it's a bit of a long one.","start":1793.23,"end":1797.25,"sentiment":"neutral","sentiment_score":-0.03872206201776862},{"text":"Sorry.","start":1802.955,"end":1803.435,"sentiment":"neutral","sentiment_score":-0.06128294765949249},{"text":"Just a sec while I find yeah.","start":1803.435,"end":1809.755,"sentiment":"neutral","sentiment_score":-0.04448743270976203},{"text":"The the hereditary side of it, I'm not a 100% sure about now because being able to speak to my father now, his condition is another form of leukemia, but it's referred to as for short, it's CLL.","start":1809.755,"end":1827.74,"sentiment":"neutral","sentiment_score":-0.14446599271736646},{"text":"Whereas d l l.","start":1829.475,"end":1831.475,"sentiment":"neutral","sentiment_score":-0.04947496019303799}],"sentiment":"neutral","sentiment_score":-0.1012099323173364,"num_words":66,"start":1793.23,"end":1831.475},{"sentences":[{"text":"Yeah.","start":1831.475,"end":1831.975,"sentiment":"neutral","sentiment_score":-0.046703580766916275},{"text":"Whereas mine is no.","start":1833.475,"end":1836.115,"sentiment":"neutral","sentiment_score":-0.1634291522204876},{"text":"I can't.","start":1836.115,"end":1836.515,"sentiment":"neutral","sentiment_score":-0.28789228945970535},{"text":"Let me find it.","start":1836.515,"end":1837.475,"sentiment":"neutral","sentiment_score":-0.10863702557981014},{"text":"Where is it?","start":1837.475,"end":1838.375,"sentiment":"neutral","sentiment_score":-0.06972718735535939}],"sentiment":"neutral","sentiment_score":-0.13713817378239973,"num_words":14,"start":1831.475,"end":1838.375},{"sentences":[{"text":"State search.","start":1845.6001,"end":1846.9801,"sentiment":"neutral","sentiment_score":-0.046135444194078445},{"text":"Mhmm.","start":1856.355,"end":1856.855,"sentiment":"neutral","sentiment_score":-0.12570375204086304},{"text":"Not.","start":1861.875,"end":1862.375,"sentiment":"neutral","sentiment_score":-0.22235634922981265},{"text":"No.","start":1916.135,"end":1916.535,"sentiment":"neutral","sentiment_score":-0.11620542407035828},{"text":"Okay.","start":1916.535,"end":1916.935,"sentiment":"neutral","sentiment_score":-0.03341855853796005}],"sentiment":"neutral","sentiment_score":-0.09832582871119182,"num_words":6,"start":1845.6001,"end":1916.935},{"sentences":[{"text":"So I finally found it.","start":1916.935,"end":1918.395,"sentiment":"neutral","sentiment_score":0.0028063420206308363},{"text":"Took a while.","start":1918.6151,"end":1919.435,"sentiment":"neutral","sentiment_score":0.00760599256803592},{"text":"Okay.","start":1919.8151,"end":1920.2151,"sentiment":"neutral","sentiment_score":0.01901903562247753},{"text":"So it's known as MBL, which is mono monoclonal b cell lymphocytosis.","start":1920.2151,"end":1927.47,"sentiment":"neutral","sentiment_score":0.01904413158384462},{"text":"Yeah.","start":1931.9299,"end":1932.4299,"sentiment":"neutral","sentiment_score":0.2488618642091751}],"sentiment":"neutral","sentiment_score":0.02423909848386591,"num_words":22,"start":1916.935,"end":1932.4299},{"sentences":[{"text":"So b cell yeah.","start":1936.41,"end":1939.39,"sentiment":"neutral","sentiment_score":0.16989289037883282},{"text":"So mhmm.","start":1939.53,"end":1951.505,"sentiment":"neutral","sentiment_score":0.01737005077302456},{"text":"Mhmm.","start":1988.51,"end":1989.01,"sentiment":"neutral","sentiment_score":0.017075788229703903},{"text":"Yep.","start":1989.47,"end":1989.97,"sentiment":"neutral","sentiment_score":0.05881262570619583},{"text":"Yeah.","start":2008.765,"end":2009.005,"sentiment":"neutral","sentiment_score":-0.03163678199052811}],"sentiment":"neutral","sentiment_score":0.08428481055630578,"num_words":9,"start":1936.41,"end":2009.005},{"sentences":[{"text":"Probably like that 40 to $50 a month, hopefully.","start":2009.005,"end":2012.625,"sentiment":"neutral","sentiment_score":-0.039796447588337794},{"text":"Yes.","start":2015.86,"end":2016.36,"sentiment":"neutral","sentiment_score":-0.04614200443029404},{"text":"Yep.","start":2025.62,"end":2026.12,"sentiment":"neutral","sentiment_score":-0.016162358224391937},{"text":"Mhmm.","start":2029.7,"end":2030.175,"sentiment":"neutral","sentiment_score":0.00917814765125513},{"text":"Yep.","start":2039.2151,"end":2039.615,"sentiment":"neutral","sentiment_score":0.032816529273986816}],"sentiment":"neutral","sentiment_score":-0.029113670309575703,"num_words":13,"start":2009.005,"end":2039.615},{"sentences":[{"text":"Yep.","start":2039.615,"end":2040.0951,"sentiment":"neutral","sentiment_score":0.059172213077545166},{"text":"No worries.","start":2040.0951,"end":2040.8351,"sentiment":"neutral","sentiment_score":0.12907466292381287},{"text":"No.","start":2049.58,"end":2049.9,"sentiment":"neutral","sentiment_score":-0.19860023260116577},{"text":"Not all good.","start":2049.9,"end":2050.54,"sentiment":"neutral","sentiment_score":-0.23290587464968363},{"text":"Thank you.","start":2050.54,"end":2051.28,"sentiment":"neutral","sentiment_score":0.025357097387313843}],"sentiment":"neutral","sentiment_score":-0.058809124761157565,"num_words":9,"start":2039.615,"end":2051.28},{"sentences":[{"text":"Mhmm.","start":2094.0151,"end":2094.095,"sentiment":"neutral","sentiment_score":-0.05480498820543289},{"text":"Yep.","start":2094.095,"end":2094.595,"sentiment":"neutral","sentiment_score":-0.050983961671590805},{"text":"Okay.","start":2097.055,"end":2097.555,"sentiment":"neutral","sentiment_score":0.11398476362228394},{"text":"Yep.","start":2125.4949,"end":2125.7349,"sentiment":"neutral","sentiment_score":0.08603265881538391},{"text":"Yep.","start":2125.7349,"end":2126.055,"sentiment":"neutral","sentiment_score":0.08846064656972885}],"sentiment":"neutral","sentiment_score":0.0365378238260746,"num_words":5,"start":2094.0151,"end":2126.055},{"sentences":[{"text":"Okay.","start":2126.055,"end":2126.535,"sentiment":"neutral","sentiment_score":0.17954251170158386},{"text":"No problem.","start":2126.535,"end":2127.275,"sentiment":"positive","sentiment_score":0.4210219234228134},{"text":"No.","start":2132.27,"end":2132.51,"sentiment":"neutral","sentiment_score":-0.08647799491882324},{"text":"No.","start":2132.51,"end":2132.75,"sentiment":"neutral","sentiment_score":-0.0878644585609436},{"text":"All good.","start":2132.75,"end":2133.1501,"sentiment":"neutral","sentiment_score":0.2461416870355606}],"sentiment":"neutral","sentiment_score":0.19136103987693787,"num_words":7,"start":2126.055,"end":2133.1501},{"sentences":[{"text":"Thank you.","start":2133.1501,"end":2133.8901,"sentiment":"positive","sentiment_score":0.5088364332914352},{"text":"Yep.","start":2142.045,"end":2142.365,"sentiment":"neutral","sentiment_score":0.18913911283016205},{"text":"Yep.","start":2142.365,"end":2142.865,"sentiment":"neutral","sentiment_score":0.15166720747947693},{"text":"Okay.","start":2149.357,"end":2149.677,"sentiment":"neutral","sentiment_score":0.2411836683750153},{"text":"Wonderful.","start":2149.677,"end":2150.177,"sentiment":"positive","sentiment_score":0.6543861031532288}],"sentiment":"positive","sentiment_score":0.3756748264034589,"num_words":6,"start":2133.1501,"end":2150.177},{"sentences":[{"text":"You too.","start":2153.757,"end":2154.3171,"sentiment":"positive","sentiment_score":0.6300627887248993},{"text":"Thanks very much.","start":2154.3171,"end":2155.297,"sentiment":"positive","sentiment_score":0.7802999416987101},{"text":"Bye now.","start":2156.237,"end":2156.797,"sentiment":"neutral","sentiment_score":0.2341405302286148},{"text":"Bye.","start":2156.797,"end":2157.297,"sentiment":"neutral","sentiment_score":-0.11707346141338348}],"sentiment":"positive","sentiment_score":0.4940291251987219,"num_words":8,"start":2153.757,"end":2157.297}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Morning.\n\nChannel 0: Good\n\nChannel 1: Faith\n\nChannel 0: morning, Faye. It's Tommy here, senior adviser\n\nChannel 1: speaking.\n\nChannel 0: from Oakview Financial. How are you doing today?\n\nChannel 1: Hi. Good. Yourself?\n\nChannel 0: I'm doing fantastic. Thank you for asking. I\n\nChannel 1: Awesome.\n\nChannel 0: just wanted to give you a quick call because we had a annual review with Kyle a few days ago, and I believe\n\nChannel 1: Yep.\n\nChannel 0: it was rescheduled for this morning. Is that correct?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Beautiful. Do you have a bit of time for me today?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Awesome. I'll just go through a quick security check with you. I'm registered with Asic as adviser one two seven three one zero five. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yep. Date of birth is '72.\n\nChannel 0: Yep.\n\nChannel 1: We've actually changed it. Yes. So the previous address was 1 Slash 21 Robert Street, Madhubah, Queensland.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. We're now at 22 Laysan Crescent, Oxford.\n\nChannel 0: Oxford. And could you just spell that street name for me, please?\n\nChannel 1: Yep. L A Y S A N.\n\nChannel 0: Laysan Crescent, Oxford.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Not very far from us. That's brilliant. Okay. And, look, if you ever do wanna pop into the office for a bit of an in person consultation, more than happy to host you here at Southport.\n\nBut I know it's a little bit of a drive, and the m one can be a bit terrible sometimes, but the offer's always there.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: Perfect. So what I wanted to do today was I was going through your account this morning, just going through your super performance and a few different things, but it did seem like you had a few circumstances change towards the end of last year as well. I know you were going through an estate sort of execution, I believe, for your father as well. So are you okay if I just go through your details and just update a few things on our system?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Perfect. And before I go through the details that we have, is there anything significant that you feel has happened the last sort of three months or so?\n\nChannel 1: No. Nothing significant other than the move.\n\nChannel 0: The move changed.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So with the move there, is it just going from one rental to another, or did\n\nChannel 1: Yes.\n\nChannel 0: you purchase?\n\nChannel 1: Yeah. No. Just one rental to another.\n\nChannel 0: Perfect. So with the assets and liabilities, we had two cars there with a combined value of about 35,000 and about 20,000 in savings. Does that sound pretty close to the mark?\n\nChannel 1: Yep. The savings has gone down a bit, so we're only sitting at about 8,000 now.\n\nChannel 0: 8,000. And you had a lightweight road bike, about $10,000 value. Do you still have the bike?\n\nChannel 1: Yeah. We still got that.\n\nChannel 0: Perfect. And there was a hectare of pine forest noted down. Is that property still there?\n\nChannel 1: Well, that's something that's still in discussion with\n\nChannel 0: Yep.\n\nChannel 1: regards to my parents' estate.\n\nChannel 0: Yep.\n\nChannel 1: So my mother passed away. I had been estranged from my parents for the last fifteen years or sixteen\n\nChannel 0: Yeah.\n\nChannel 1: years. And after my mother passed away, my father reached out, and we've been having a few conversations, but there's still quite a lot to to work through. And that invert that includes what's happening with that investment because it was given to us as a wedding present, but they never put it in our name. So, yeah. And just a couple of discussions I've had with my father, he's keeps saying that it's in the will being left to her daughter.\n\nSo\n\nChannel 0: Okay. So\n\nChannel 1: good.\n\nChannel 0: potential okay. I'm just making a couple of notes there. So at the time being, we can't really sort of count it as an asset\n\nChannel 1: Yep.\n\nChannel 0: in your name for the time being, but I will just make a note of it that it's kind of in the mix. Perfect. Perfect. Have you ever gone through this is a little bit new just because we've got a a new system and a couple of extra questions this year. Have you ever gone through, like, a bankruptcy or a debt agreement before apart nine?\n\nChannel 1: I went through several years ago. I had a credit card debt, and I put that through a an agency just to be able to to pay that down,\n\nChannel 0: Yep.\n\nChannel 1: not get stung with all that interest.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So, yeah, a payment arrangement which yeah. That was oh, crikey. I think that was about 2013 or something like that.\n\nChannel 0: Perfect.\n\nChannel 1: It took quite a long time to do this.\n\nChannel 0: Are you still working as a bookkeeper? Perfect.\n\nChannel 1: Yes.\n\nChannel 0: I think we had I'm just going through Carl's notes from his conversation with you. I think you were on around about 95,000. Is that right?\n\nChannel 1: Yeah. K.\n\nChannel 0: Perfect. Perfect. And you haven't changed employer, I believe. I was going through the contributions this morning, and there was a couple of different entities making contributions to your super. I just wanted to quickly run them by you.\n\nSo you have MS Fabrications, Queensland PTY Ltd. So I'm assuming that's your main employer?\n\nChannel 1: No. No. Since Business Solutions is the is it has been the main one, I've been with them for nearly ten\n\nChannel 0: Yep.\n\nChannel 1: years. But, yeah, I'm actually not working for MS Fabrications as of\n\nChannel 0: Uh-huh.\n\nChannel 1: the February. So I'm currently contracting to a company called Darcy Bookkeeping in business services. So, yeah, I'm only in my third week with him.\n\nChannel 0: Yep. Perfect. That explains it because I did notice that the contributions from MS Fabrications kind of just stopped a couple of months ago. So the\n\nChannel 1: Yep.\n\nChannel 0: Darcy bookkeeping, that should kick in as well, but then you've\n\nChannel 1: Mhmm.\n\nChannel 0: also got the Finch Business Solutions as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Perfect. So what I'll do, if the income's still around about 95,000, I'm gonna go off of that for any estimates and projections of the contributions\n\nChannel 1: Yeah. Yep. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I was because I'm contracting to Darcy at the moment, I will have to make personal contributions for my super\n\nChannel 0: Yep.\n\nChannel 1: because I just invoice them for each week's work.\n\nChannel 0: Okay. And would you be familiar, of course, with how to make those contributions and claim them as deductible?\n\nChannel 1: I will have to have a look at what's what's involved there. I've only just sort of received payment of my first invoice this week.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, I'll go look and see how I do that.\n\nChannel 0: Perfect. So if it's easy enough for you, what you can do is you can make BPAY or EFT contributions directly into your hub account. And\n\nChannel 1: Mhmm.\n\nChannel 0: then towards the end of financial year, we can complete a notice of intent to claim form to basically tell the super fund to tell the tax office that you're claiming these contributions as concessional.\n\nChannel 1: Okay.\n\nChannel 0: Once that comes back with basically a confirmation letter, that means it's coded with the tax office, and then you're okay to submit your personal tax return. If you\n\nChannel 1: Yep.\n\nChannel 0: accidentally submit that return before it's processed, it it kind of locks you off.\n\nChannel 1: Okay.\n\nChannel 0: So what I might do is I might schedule in a catch up for the team to call you at the May, early June, if that's okay,\n\nChannel 1: Yep.\n\nChannel 0: just to see if there's any contributions that need to be claimed, and\n\nChannel 1: Mhmm.\n\nChannel 0: they can kind of help you through the forms.\n\nChannel 1: Okay. Yep. Great.\n\nChannel 0: Just gonna make a quick note of that for the team. Alrighty. Outside of that, so we've got the address has been updated. You're still married with Jay?\n\nChannel 1: Yes. That's right.\n\nChannel 0: Yep. And we've got phone number, and the Hotmail is still okay for the email address?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Do you have any\n\nChannel 1: Yeah. She's 21 and still living at home with us.\n\nChannel 0: things, you did complete a will a few years ago that needed to be updated because that was all involved with New Zealand. Have you since updated your your estate plan?\n\nChannel 1: Not as yet. No. I guess we've held off because we're not you know, we haven't bought another property as yet, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, still something that, you know, usual thing is that if they yeah. I should do that, and then it gets put on the back burner.\n\nChannel 0: Yeah. Totally fine. Totally fine. I'll just make a note that you do have one in place still. Might be a bit outdated and just keep that updated on the file if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So last thing, and then we'll jump into the super.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just going through your goals here. So you're basically focusing on at the time, your daughter was finishing school. That was pretty well initially. You were going to purchase a house on the Gold Coast or Northern New South Wales. Is that still part of your main goals?\n\nChannel 1: Yeah. Definitely. Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: yeah. The the biggest hurdle at the moment is just what we're gonna do to need as a deposit.\n\nChannel 0: Yep. Yep. Just building that deposit up. Do you have an idea of how much you're gonna need for a deposit, or are you still kind of working through that?\n\nChannel 1: Yeah. Still working through that. A lot of it stems on, you know, that investment which\n\nChannel 0: Yep.\n\nChannel 1: was supposed to have the trees were supposed to have been harvested last year, I think it was. And according to my father, there's been all sorts of discussions\n\nChannel 0: Yeah.\n\nChannel 1: with the the investment group green plan that, yeah, people are upset because they're not getting what they had sort of been promised. Yeah. I haven't been on to the website just on, like, to see what's happening with the actual tech tier\n\nChannel 0: It's such an interesting\n\nChannel 1: to see\n\nChannel 0: space\n\nChannel 1: whether or\n\nChannel 0: because\n\nChannel 1: not they've been\n\nChannel 0: when I first started in the industry in about 2014, I remember talking to a lot of accountants who were going through, and everybody was purchasing hectares and acres of pine forest and getting it all ready to be harvested and nice and tax deductible and that kind of thing. But I know a lot of those companies folded, and\n\nChannel 1: Mhmm.\n\nChannel 0: only a couple of them actually went through to produce produce and harvest. So it's it's definitely an interesting space. I would love to keep an eye on that with you and see what ends up happening just because\n\nChannel 1: Yep.\n\nChannel 0: I'm just personally curious.\n\nChannel 1: Yep. Yep. Yeah. No. Some yeah.\n\nThe trees are planted in 1996, and they've they've got, like, green plan forestry investments. They've got, you know, forests, a lot of forest to around New Zealand. And, you know, I think they sort of started planting maybe two years before this one was planted.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. And, you know, going by what I can access to be able to read their their annual reports, you know, they were they were going through and harvesting those earlier ones.\n\nChannel 0: Yep.\n\nChannel 1: But because, you know, it's not in our name, I can't get any more information than what\n\nChannel 0: Yep.\n\nChannel 1: I can\n\nChannel 0: There's\n\nChannel 1: access\n\nChannel 0: only\n\nChannel 1: on\n\nChannel 0: so\n\nChannel 1: their\n\nChannel 0: much.\n\nChannel 1: website.\n\nChannel 0: Anything that's public, that's all you can do, but they can't tell\n\nChannel 1: Yeah.\n\nChannel 0: you specifically about that lot.\n\nChannel 1: Yeah. Exactly. Yep. And so, yeah, that's still for the discussion there with my father too. Yeah.\n\nAgain, ask why all of a sudden, you know, he's saying that it's in the will and left to our daughter when it was supposed to be our wedding gift and\n\nChannel 0: Yeah.\n\nChannel 1: never been put in our name. I actually you know, I queried with GreenPlan how much it cost just to transfer it into our name, and it was a $100.\n\nChannel 0: Yeah. Right.\n\nChannel 1: So yeah.\n\nChannel 0: So not really a big hurdle to have done, just probably\n\nChannel 1: No.\n\nChannel 0: spending the time to have actually done it.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Strange. Strange.\n\nChannel 1: Very\n\nChannel 0: Yeah.\n\nChannel 1: frustrating.\n\nChannel 0: I'll I'll be and that's do they just predominantly service in New Zealand, or have they kind of spread between Australia as well?\n\nChannel 1: It seems to just be New Zealand for that\n\nChannel 0: Yep.\n\nChannel 1: that\n\nChannel 0: Okay.\n\nChannel 1: a lot of investments. Yeah.\n\nChannel 0: Well, I'll be interested to see how it all plays out, but I definitely wish you the best of luck with it, and I hope it all transfers okay and you've got that nice asset and producing,\n\nChannel 1: Yeah.\n\nChannel 0: that would be fantastic, wouldn't it?\n\nChannel 1: Yeah. Well, you know, it was sort of the one thing that we thought would help us to be able to get into another property. You know, in hindsight, having sold our our place up in Townsville to come down to the Gold Coast, you know, now we're we're still wondering, should we have held on to it for a bit longer? Because the equity's increased in that just in the time that we've been down here. Yeah.\n\nBut\n\nChannel 0: Yeah. And look.\n\nChannel 1: it\n\nChannel 0: That's\n\nChannel 1: did what\n\nChannel 0: pretty\n\nChannel 1: we had\n\nChannel 0: common.\n\nChannel 1: to do.\n\nChannel 0: People tend to sell up and move across states and things like that, and the the property market in Australia is always so crazy that it's really easy to get a bit of FOMO or maybe a bit of regret and things like that. But all you can\n\nChannel 1: Yep.\n\nChannel 0: really do is just try and make the best steps that you can over the next five, ten, fifteen years. And, look, you can't rewind time, but it doesn't mean that you're locked out of owning property. There's just, again, time time to\n\nChannel 1: Yep.\n\nChannel 0: build deposits, time to try and get that asset under your name, and who knows where you'll be in five years' time. We Just gonna\n\nChannel 1: Yep.\n\nChannel 0: try and make the best choices that we can.\n\nChannel 1: Yep. That's right.\n\nChannel 0: Absolutely. Last couple of goals that I had here, I was just still looking at the age 65 retirement, bit of super growth and things like that. And was there anything else that I've missed so far in terms of goals for the next three to five years?\n\nChannel 1: No. No.\n\nChannel 0: Perfect. When it comes to your Hub twenty four account, have you been logging in recently and seeing what's been happening with the news?\n\nChannel 1: I haven't had a look just sort of probably in the last two months. I think that's sort of how long it's been since I've last logged in.\n\nChannel 0: That is okay. So what I wanted to sort of go through, it's actually not too bad. I was actually really impressed with how your super has been going pretty much the whole time that you've you've been in this account.\n\nChannel 1: Yep.\n\nChannel 0: I did an inception report since you started the hub account, and I was kind of blown away that the timing of when we bought a few things really worked out in your favor. Like, you have a a gold investment that's up a 109% just in a couple of years. So some of them have just been incredible. The recent drop in the market, I think your peak was a 109,000, and you're only down to about a $105,001.75 as\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: You\n\nChannel 0: today.\n\nChannel 1: know? Yeah. Yeah. I mean, yeah, I know it's not a lot of people. I mean, even talking to my father, he's now retired, you know, a lot of people get really, really anxious about it and start to panic, but, you know, I know how super works.\n\nWe're in that we're in that for the the long haul.\n\nChannel 0: Yeah.\n\nChannel 1: And I've been happy with how Hub twenty four has been performing since we've been in that, what, two years? Nearly three well, three years now. So, yeah, I've been\n\nChannel 0: Yes. Three years almost\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: wasn't\n\nChannel 0: the dot\n\nChannel 1: gonna panic.\n\nChannel 0: as of the twenty sixth.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So all in all, like, with Hub twenty four, they haven't had any major changes in fees or features, but they still have the most investment options in the industry. They're sitting at about 1,300 options. You have about eight or nine that we've kind of built a portfolio for you. And if\n\nChannel 1: Yep.\n\nChannel 0: you remember, you're in, like, a what we call a growth portfolio. It's a\n\nChannel 1: Yeah.\n\nChannel 0: kind of four out of five on the risk scale sitting at around about 80% growth\n\nChannel 1: Yeah.\n\nChannel 0: assets like shares, property, and gold. Does that ring a bell?\n\nChannel 1: Yeah. Yep. Yep. Definitely. And and that is why, you know, I wasn't going to start panicking or be concerned about what's going on currently because, yeah, it's it's not something to be as worried about because I you know, we've we're not.\n\nWe still got quite a few years before we retire. So,\n\nChannel 0: No.\n\nChannel 1: yeah, just happy to happy to sit, and things will work themselves out as they generally do\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: As long as\n\nChannel 1: go\n\nChannel 0: we\n\nChannel 1: from\n\nChannel 0: have the time up our sleeves. And I think for your profile, the usual, like, minimum time frame is about eight or nine years, which you still have. Obviously, once you approach those last seven, eight years, we need to slowly reduce your risk\n\nChannel 1: there.\n\nChannel 0: level because we don't want you\n\nChannel 1: Yeah.\n\nChannel 0: sitting at 64. And then the stock market crashes, you lose half your super. Do you know what I mean?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. So with the average returns for a growth risk profile, you're looking at aiming for about 9% plus on average. Some years, it'll go up fifteen, twenty. Some years, it'll go down 15% in a market correction. Most of the options in the last twelve months have gone up, again, really substantially.\n\nWe have your battery tech and lithium, which is kind of like electric vehicles.\n\nChannel 1: Yeah.\n\nChannel 0: That's gone up 93%. Your gold's up 30. Shares up 27. The overall\n\nChannel 1: Mhmm.\n\nChannel 0: is sitting at about just under 12% net of fees. So it's definitely hitting that target still with a bit of a drop mixed in.\n\nChannel 1: Yep. Yep.\n\nChannel 0: There\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: I've\n\nChannel 0: one\n\nChannel 1: actually\n\nChannel 0: option.\n\nChannel 1: just logged in with the FSA of a look see while\n\nChannel 0: Yeah.\n\nChannel 1: we're\n\nChannel 0: And\n\nChannel 1: talking.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: contributions from the previous employer, they were very regular too. So you got a a really good advantage of dollar cost averaging buying weekly rather than\n\nChannel 1: Yep.\n\nChannel 0: it waiting quarterly. So that was really handy for you as well.\n\nChannel 1: Yeah. Yep. And as you probably know, from first of July, everyone's gonna be on payday\n\nChannel 0: Yep.\n\nChannel 1: super. So\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: so they will all be weekly, so everybody will benefit from that.\n\nChannel 0: Absolutely. I dollar cost averaging is definitely my favorite thing, so I'm glad that everyone will be on that. I'll just see how it works out with all the employers and who complies, who struggles, and it'll be interesting to see.\n\nChannel 1: Yeah. Well, yeah, obviously, with my job as a bookkeeper, I've been working with my clients. I've had well, pretty much all but two of my clients with business service services. I've had them using doing payday super since before Christmas last year so that they've\n\nChannel 0: Oh, yeah?\n\nChannel 1: they've already practiced it. They're they're familiar with it. There's no bugs. You know, everything's just tracking along nicely.\n\nChannel 0: Yep.\n\nChannel 1: And yeah. Yeah. Aside from a couple of clients that are just like, oh, no. Just start doing that from the July 1. They'll\n\nChannel 0: Yeah.\n\nChannel 1: they'll be fine because they they were previously accountants, and they look after the the majority of this their books themselves.\n\nChannel 0: They're\n\nChannel 1: They'll be\n\nChannel 0: responsible\n\nChannel 1: fine with that.\n\nChannel 0: enough, but they're just\n\nChannel 1: Yeah.\n\nChannel 0: wanting\n\nChannel 1: They're\n\nChannel 0: to\n\nChannel 1: responsible\n\nChannel 0: wait till last\n\nChannel 1: enough.\n\nChannel 0: minute.\n\nChannel 1: Yep. But, yeah, it's good to get the clients starting early with it. And then, you know, yeah, if the it's if this is how it's affecting their super as well from when you're looking at the figures that's actually you know, that's that's a bonus. That's something they're probably not even aware of. I could sort of give them that feedback, and they'd be like, oh, yeah.\n\nLet me see how\n\nChannel 0: Yeah.\n\nChannel 1: that would\n\nChannel 0: Just\n\nChannel 1: begin.\n\nChannel 0: tell them that you're one of the top 5% performing clients of Oakview Financial, and part of that's due to having frequent contributions. So it's,\n\nChannel 1: Okay.\n\nChannel 0: yeah,\n\nChannel 1: So\n\nChannel 0: definitely handy.\n\nChannel 1: I'm good.\n\nChannel 0: But, yeah, you're right. They wouldn't really think of it. They would be just trying to make sure they hold on to the money for as long as they can before it goes in. But, again,\n\nChannel 1: Yeah.\n\nChannel 0: it's either you use it while you've got it in your bank or you use it when it's in the super being invested. Hopefully, they're getting a benefit out of it wherever it's sitting.\n\nChannel 1: Yes.\n\nChannel 0: Faye, there is one thing that I wanted to kind of update on your portfolio potentially, just obviously given what's going on in the world. The Australian market still it's growing okay, but it's it's a bit flat. And most of our updates to portfolios, we're just doing a little bit less in Australian shares. And the option that you do have, it's the only one that I would sort of say has underperformed a little bit, and it's actually dropped about 12%, just the Benelong investment. So\n\nChannel 1: Yep.\n\nChannel 0: if you're comfortable, what I would like to do is just look for a replacement option for that one just to get that portion of your assets going along with the rest of them. But I also want to do a bit of a rebalance because you've had such extreme growth in some options and not others, it kind of throws your portfolio out of whack over a period of time. And I just wanna kind of bring it back to the original weighting just so the asset classes are how they should be. So\n\nChannel 1: Yep.\n\nChannel 0: sort of buy low to sell high, trim a bit off the top of some of the high performers, buy into the other ones, and just even it out if that's okay.\n\nChannel 1: Yep. Yep. His. I'm not sure sort of what how it's how it's looking on the market, but I've obviously sort of seen some things in the news that David has been really pushing to to have oil refineries up and running back in Australia as quickly as possible, and they've already started fast tracking one in particular. Are they sort of more of a private enterprise or are they they something that that would affect the the Australian market in a\n\nChannel 0: Yeah.\n\nChannel 1: positive\n\nChannel 0: That's\n\nChannel 1: way?\n\nChannel 0: right. So most of the if it involves the big miners, like the Rio Tinto's, the BHBs of the world, if they're involved in those projects, then absolutely, they'll benefit from that. The one thing that we're sort of tabling with our investment committee is what what companies are gonna be most involved. And if they're sitting outside of the top 200, should we be looking at a small exposure, like an extra option mixed in to get people\n\nChannel 1: Yes.\n\nChannel 0: a bit more direct linking to that? So that's something that I'm gonna be talking to the investment committee about next week, and\n\nChannel 1: Mhmm.\n\nChannel 0: it may be mixed into your portfolio. So what I would like to do, basically, is I'll research a few replacement options for that one,\n\nChannel 1: Mhmm.\n\nChannel 0: keep it still decent proportion, and then depending on that meeting, I may mix in a couple of other options as well. And then I'll put that in a statement of advice so that we can read through it together and make sure you're comfortable before\n\nChannel 1: Yep.\n\nChannel 0: we move\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: it. Is that okay?\n\nChannel 1: But yeah. Yeah. Because I I just see it as a and, you know, obviously, it's a a massive positive for Australia in the fact that they've actually been able to get started on something very quickly, you know, can only be yeah. Can be a win win for for\n\nChannel 0: Yeah.\n\nChannel 1: Australia. So\n\nChannel 0: You're exactly right. They always call\n\nChannel 1: yeah.\n\nChannel 0: it liquid gold these days. And if you wanna if you can catch a a bit of a a headwind not a headwind. Sorry. A tailwind to push along an asset class, not an asset class, but a resource like that, it would be very handy.\n\nChannel 1: Yep.\n\nChannel 0: We don't go too crazy into trying to pick massive surges, but it does make sense to get a bit of exposure to it. Again, we're trying to keep, like, a a steady ship to that retirement goal, but we do this satellite approach where we do small portions into different sectors just to give you a little bit of a bump up. So if we can take advantage of that, we certainly will.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Leave that with me to research. I'll probably be going through with the team after next week's meeting some investment options. Can I just ask you for this replacement option I'm looking at? I wanna kind of bring it back in line with the pack a little bit, but I wanted to ask you between two different styles. Are you familiar with active and passive investments?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Do you have a preference between going for the sort of low fee index funds versus paying that slightly higher investment fee to try and outperform the market? Do you have a preference between the two or a strong leaning?\n\nChannel 1: Probably the lower fees.\n\nChannel 0: Yep.\n\nChannel 1: Just\n\nChannel 0: Because\n\nChannel 1: to maximize the investment.\n\nChannel 0: yeah. We do have about three really good options, some passive, some active. So I'm more than happy to kind of look at replacing that Benelon option with, like, a passive ETF that'll just buy into the Australian 200 market. And\n\nChannel 1: Mhmm.\n\nChannel 0: the fees for that, I think, are 0.06 percent. Very, very low because it's an ETF. Tiny little bit of brokerage for that, but I'll show you that in the statement of advice.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. Last two things I wanted to run by with you while I go through that update. I'm going to just base the projections on the estimated employer contributions until we get a handle of how you do the contributions personally and things like that. So I'll definitely\n\nChannel 1: Yeah.\n\nChannel 0: update that once\n\nChannel 1: Yep.\n\nChannel 0: we chat around May, June, if that's okay.\n\nChannel 1: Mhmm. Yeah. No problem.\n\nChannel 0: Your beneficiary is still listing Dion as a 100% beneficiary for the super and the insurance because when you've got\n\nChannel 1: Yep.\n\nChannel 0: the hub twenty four insurances, it combines to the one beneficiary. So I'm assuming\n\nChannel 1: Mhmm.\n\nChannel 0: you still wanna leave that in place.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And lastly, with the insurances, we did transfer across that original cover. And I'm just gonna quickly bring up the current figures for your policy. I wasn't able to get, like, a certificate of currency. Normally, I would send you one of those through.\n\nI'm gonna try and find one,\n\nChannel 1: Mhmm.\n\nChannel 0: but you have a $161,002.80 of life and disability insurance\n\nChannel 1: Yep.\n\nChannel 0: and just over 2,300 a month of income protection. Premiums are $80.29 per month. That's obviously before the 15% rebate. Your income protection was a ninety day wait and a two year benefit period. Now\n\nChannel 1: Yep.\n\nChannel 0: I know that you're kind of restricted a little bit in getting new cover or replacement cover just due to health. Are you comfortable to keep this in place? Do you want me to look at some quotes and and attempt to get something different?\n\nChannel 1: No. That's okay. Yep. And it will leave it as it is.\n\nChannel 0: Okay. So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again. Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property. So it's probably a good idea to keep the life and TPD there. So when you've got a mortgage, you can help with that as well.\n\nChannel 1: Yeah.\n\nChannel 0: And then, obviously, the income protection, it's not gonna be perfectly in line with your income because it's it's not been increased to be\n\nChannel 1: Yep.\n\nChannel 0: 70% of what you have. But, again, 2,300 a month should be helpful.\n\nChannel 1: Yep. Yep. No. That's fine.\n\nChannel 0: Cool. The only one you don't have is trauma insurance, which is like heart attack, stroke, and cancer. It's only out of pocket. But then again, public health system, family in those events, it's up to you if you want me to look for a quote for that or just leave it as the three that you have.\n\nChannel 1: I wouldn't mind, yeah, left looking at a card for it.\n\nChannel 0: Perfect. When it comes to when it comes to trauma insurance, so the main ones it covers is, like, heart attack, stroke, cancer, organ failure, that kind of thing. So most of the existing health concerns so for example, we do have you on antidepressants. Right? Normally, that would cause, like, a mental health exclusion, but that doesn't really affect\n\nChannel 1: Yep.\n\nChannel 0: trauma policies because they don't\n\nChannel 1: Yep.\n\nChannel 0: they're not linked to that. They're linked to more like a diagnosis a serious diagnosis of cancer. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: The one that would be a bit of a concern would be the pre leukemia cells because you I believe we've got a note here that you see hematologist, and it's hereditary. Could you just tell me just a little bit more about that?\n\nChannel 1: Yeah. It's I'm seeing there's a hematologist every six months, so I have another blood test done prior to my appointment with him. And\n\nChannel 0: Yep.\n\nChannel 1: at the moment, it's just monitoring that nothing's changing with those cells. The the condition did I actually provide the the proper technical name for it?\n\nChannel 0: No. That's what I was just about\n\nChannel 1: Right?\n\nChannel 0: to ask.\n\nChannel 1: Oh, yep. Yep. I'll find that for you.\n\nChannel 0: Please. That'll be fantastic.\n\nChannel 1: I I never remember the name of it because it's a bit of a long one. Sorry. Just a sec while I find yeah. The the hereditary side of it, I'm not a 100% sure about now because being able to speak to my father now, his condition is another form of leukemia, but it's referred to as for short, it's CLL.\n\nChannel 0: His\n\nChannel 1: Whereas\n\nChannel 0: is CLO?\n\nChannel 1: d l l. Yeah. Whereas\n\nChannel 0: Yeah.\n\nChannel 1: mine is no. I can't. Let me find it. Where is it? State search.\n\nChannel 0: Is it by any chance? I'm just having a bit of a Google while you look for it.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm coming up with high risk MDS,\n\nChannel 1: Not.\n\nChannel 0: Immature white blood cells in the bone marrow. I'm assuming it's not that one. Male Lottie splastic syndrome. Does that sound oh, no. That's MDS.\n\nOh, then they've got AL was acute leukemia. MDS is familial. Mylodysplastic, which is MDS. That's the two that's coming up on the old Google there. Any of that sound familiar?\n\nChannel 1: No. Okay. So I finally found it. Took\n\nChannel 0: Oh,\n\nChannel 1: a while.\n\nChannel 0: yes.\n\nChannel 1: Okay. So it's known as MBL, which is mono monoclonal b cell lymphocytosis.\n\nChannel 0: Dear Lord. Thank you very much for the NBL\n\nChannel 1: Yeah.\n\nChannel 0: there because I can okay. Monoclonal\n\nChannel 1: So\n\nChannel 0: b cell. Yep. Perfect.\n\nChannel 1: b cell yeah.\n\nChannel 0: Because\n\nChannel 1: So\n\nChannel 0: alright. What I'll do is all of the insurers, we can kind of anonymously do a pre assessment with them.\n\nChannel 1: mhmm.\n\nChannel 0: What I can basically do is I'll get the team to call hopefully today, but it's a bit of a short day and Fridays are usually hard. And we'll just sort of see if it's possible to obtain trauma cover or if there's gonna be, like, an exclusion or something. If it's possible, I'll put you up, like, a basic quote for maybe, like, a 100,000 for, like, medical costs and just sort of let you know what the pricing's like on that. Because just with age itself, you it could be anywhere between 20 to $40 a month, or it could even be with a loading over a 100 to $200 a month.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Is there a limit that you would like me to put down for an out of pocket cost? Because I know you're saving for a house. Is there something where you would say if it's this small, that would be okay versus a hard no?\n\nChannel 1: Yeah. Probably like that 40 to $50 a month, hopefully.\n\nChannel 0: Yep. And I just wanna put that down as a bit of a guide to\n\nChannel 1: Yes.\n\nChannel 0: the team because if if it comes up as $300 a month, I'm just gonna not even recommend it because that's far outside budget, and it's also gonna affect your ability to purchase a house.\n\nChannel 1: Yep.\n\nChannel 0: So I'll just put that in there as a bit of a tentative. When\n\nChannel 1: Mhmm.\n\nChannel 0: we go through the portfolio update, I'll have the quote there as well, and it's up to you whether you wanna sort of go ahead with it or not. I don't just get you the pricing.\n\nChannel 1: Yep. Yep. No worries.\n\nChannel 0: Perfect. Alright, Faye. That's pretty much everything I needed to cover for the review. Do you have any questions for me at this point?\n\nChannel 1: No. Not all good. Thank you.\n\nChannel 0: Amazing. So I'm going to shoot you through your annual review pack. It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement. So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance. When we get you up to 600,000, that's when it caps.\n\nObviously, we have clients that get up to $1.02, 3,000,000, and, you know, $30 is a little bit excessive, but\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: that's why we put a bit of a cap on there as well.\n\nChannel 1: Okay.\n\nChannel 0: Awesome. So I'll pop that through to your Hotmail. This will actually come through our new system, which is called OdooSign. It's very similar to, like, a DocuSign. There will be excuse me.\n\nSorry then. I had something stuck in my throat. There'll be some attachments with the reports, like PDF attachments, like a normal email, but then there'll actually be a link to the signable documents as well. So if you have any trouble, just call the team at the office number.\n\nChannel 1: Yep. Yep. Okay. No problem.\n\nChannel 0: Awesome. I'll pop that through to you now. Do you have any other questions for me before I let you go?\n\nChannel 1: No. No. All good. Thank you.\n\nChannel 0: Amazing, Faye. I wish you all the best of luck with your getting a hold of the the Pine Forest lot because that would be amazing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The team will probably give you a call in a couple of weeks time just to go through this updated plan with\n\nChannel 1: Okay. Wonderful.\n\nChannel 0: me. Amazing. Have a fantastic weekend, and thank you for your\n\nChannel 1: You too. Thanks very much.\n\nChannel 0: time. Thanks, Faye.\n\nChannel 1: Bye\n\nChannel 0: Bye.\n\nChannel 1: now. Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.12416893243789671}],"sentiment":"neutral","sentiment_score":0.12416893243789671,"channel":1,"num_words":1,"start":1.36,"end":1.86},{"sentences":[{"text":"Good","start":3.12,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3924098610877991}],"sentiment":"positive","sentiment_score":0.3924098610877991,"channel":0,"num_words":1,"start":3.12,"end":3.4399998},{"sentences":[{"text":"Faith","start":3.3866668,"end":3.8866668,"sentiment":"positive","sentiment_score":0.3873993754386902}],"sentiment":"positive","sentiment_score":0.3873993754386902,"channel":1,"num_words":1,"start":3.3866668,"end":3.8866668},{"sentences":[{"text":"morning, Faye.","start":3.4399998,"end":4.0,"sentiment":"positive","sentiment_score":0.398958295583725},{"text":"It's Tommy here, senior adviser","start":4.0,"end":5.52,"sentiment":"neutral","sentiment_score":0.2254275858402252}],"sentiment":"neutral","sentiment_score":0.2750077886240823,"channel":0,"num_words":7,"start":3.4399998,"end":5.52},{"sentences":[{"text":"speaking.","start":5.4133334,"end":5.9133334,"sentiment":"neutral","sentiment_score":0.2375592589378357}],"sentiment":"neutral","sentiment_score":0.2375592589378357,"channel":1,"num_words":1,"start":5.4133334,"end":5.9133334},{"sentences":[{"text":"from Oakview Financial.","start":5.52,"end":6.56,"sentiment":"neutral","sentiment_score":0.2202447404464086},{"text":"How are you doing 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believe","start":12.0,"end":18.855,"sentiment":"neutral","sentiment_score":0.18936411842055942}],"sentiment":"neutral","sentiment_score":0.18936411842055942,"channel":0,"num_words":23,"start":12.0,"end":18.855},{"sentences":[{"text":"Yep.","start":18.665,"end":19.165,"sentiment":"neutral","sentiment_score":0.08807995915412903}],"sentiment":"neutral","sentiment_score":0.08807995915412903,"channel":1,"num_words":1,"start":18.665,"end":19.165},{"sentences":[{"text":"it was rescheduled for this morning.","start":18.855,"end":20.535,"sentiment":"neutral","sentiment_score":0.12067306414246559},{"text":"Is that correct?","start":20.535,"end":21.355,"sentiment":"neutral","sentiment_score":0.08465064316987991}],"sentiment":"neutral","sentiment_score":0.10866559048493703,"channel":0,"num_words":9,"start":18.855,"end":21.355},{"sentences":[{"text":"Yeah.","start":21.224998,"end":21.545,"sentiment":"neutral","sentiment_score":0.08753582835197449},{"text":"That's 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please?","start":34.31,"end":37.05,"sentiment":"neutral","sentiment_score":0.04470887687057257}],"sentiment":"neutral","sentiment_score":0.11414690243287219,"channel":0,"num_words":36,"start":26.23,"end":37.05},{"sentences":[{"text":"Yep.","start":36.809998,"end":37.309998,"sentiment":"neutral","sentiment_score":0.012733429670333862},{"text":"Date of birth is '72.","start":37.37,"end":40.11,"sentiment":"neutral","sentiment_score":0.00372657161206007}],"sentiment":"neutral","sentiment_score":0.0052277146217723685,"channel":1,"num_words":6,"start":36.809998,"end":40.11},{"sentences":[{"text":"Yep.","start":40.405003,"end":40.905003,"sentiment":"neutral","sentiment_score":0.01909545809030533}],"sentiment":"neutral","sentiment_score":0.01909545809030533,"channel":0,"num_words":1,"start":40.405003,"end":40.905003},{"sentences":[{"text":"We've actually changed 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would be very handy.","start":1449.065,"end":1456.03,"sentiment":"neutral","sentiment_score":0.14532691917636179}],"sentiment":"neutral","sentiment_score":0.10988823733413997,"channel":0,"num_words":46,"start":1441.225,"end":1456.03},{"sentences":[{"text":"Yep.","start":1456.45,"end":1456.815,"sentiment":"neutral","sentiment_score":0.06541406363248825}],"sentiment":"neutral","sentiment_score":0.06541406363248825,"channel":1,"num_words":1,"start":1456.45,"end":1456.815},{"sentences":[{"text":"We don't go too crazy into trying to pick massive surges, but it does make sense to get a bit of exposure to it.","start":1457.21,"end":1464.49,"sentiment":"neutral","sentiment_score":-0.006210539975048353},{"text":"Again, we're trying to keep, like, a a steady ship to that retirement goal, but we do this satellite approach where we do small portions into different sectors just to give you a little bit of a bump 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probably be going through with the team after next week's meeting some investment options.","start":1481.98,"end":1487.36,"sentiment":"neutral","sentiment_score":0.1156129464507103},{"text":"Can I just ask you for this replacement option I'm looking at?","start":1487.66,"end":1491.84,"sentiment":"neutral","sentiment_score":0.10883181107540925},{"text":"I wanna kind of bring it back in line with the pack a little bit, but I wanted to ask you between two different styles.","start":1492.365,"end":1498.285,"sentiment":"neutral","sentiment_score":0.12324164196848869},{"text":"Are you familiar with active and passive investments?","start":1498.285,"end":1500.9451,"sentiment":"neutral","sentiment_score":0.031527210492640734}],"sentiment":"neutral","sentiment_score":0.10670044182827979,"channel":0,"num_words":66,"start":1480.38,"end":1500.9451},{"sentences":[{"text":"Yes.","start":1501.85,"end":1502.35,"sentiment":"neutral","sentiment_score":0.11502009630203248},{"text":"Yep.","start":1502.49,"end":1502.99,"sentiment":"neutral","sentiment_score":0.1516331136226654}],"sentiment":"neutral","sentiment_score":0.13332660496234894,"channel":1,"num_words":2,"start":1501.85,"end":1502.99},{"sentences":[{"text":"Yep.","start":1503.005,"end":1503.405,"sentiment":"neutral","sentiment_score":0.18136100471019745},{"text":"Do you have a preference between going for the sort of low fee index funds versus paying that slightly higher investment fee to try and outperform the market?","start":1503.405,"end":1511.65,"sentiment":"neutral","sentiment_score":0.1809440819280488},{"text":"Do you have a preference between the two or a strong leaning?","start":1511.65,"end":1514.39,"sentiment":"neutral","sentiment_score":0.06832621774325769}],"sentiment":"neutral","sentiment_score":0.1479929246735282,"channel":0,"num_words":41,"start":1503.005,"end":1514.39},{"sentences":[{"text":"Probably the lower fees.","start":1516.7949,"end":1518.4149,"sentiment":"neutral","sentiment_score":0.1373912449926138}],"sentiment":"neutral","sentiment_score":0.1373912449926138,"channel":1,"num_words":4,"start":1516.7949,"end":1518.4149},{"sentences":[{"text":"Yep.","start":1519.09,"end":1519.59,"sentiment":"neutral","sentiment_score":0.2375112026929855}],"sentiment":"neutral","sentiment_score":0.2375112026929855,"channel":0,"num_words":1,"start":1519.09,"end":1519.59},{"sentences":[{"text":"Just","start":1520.5549,"end":1520.955,"sentiment":"neutral","sentiment_score":0.2116614729166031}],"sentiment":"neutral","sentiment_score":0.2116614729166031,"channel":1,"num_words":1,"start":1520.5549,"end":1520.955},{"sentences":[{"text":"Because","start":1520.625,"end":1521.125,"sentiment":"neutral","sentiment_score":0.20510579645633695}],"sentiment":"neutral","sentiment_score":0.20510579645633695,"channel":0,"num_words":1,"start":1520.625,"end":1521.125},{"sentences":[{"text":"to maximize the investment.","start":1520.955,"end":1522.575,"sentiment":"positive","sentiment_score":0.37775110453367233}],"sentiment":"positive","sentiment_score":0.37775110453367233,"channel":1,"num_words":4,"start":1520.955,"end":1522.575},{"sentences":[{"text":"yeah.","start":1523.505,"end":1523.8251,"sentiment":"neutral","sentiment_score":0.31291577219963074},{"text":"We do have about three really good options, some passive, some active.","start":1523.8251,"end":1528.305,"sentiment":"neutral","sentiment_score":0.32795816908280057},{"text":"So I'm more than happy to kind of look at replacing that Benelon option with, like, a passive ETF that'll just buy into the Australian 200 market.","start":1528.305,"end":1538.1,"sentiment":"positive","sentiment_score":0.41019332298526057},{"text":"And","start":1538.64,"end":1539.12,"sentiment":"neutral","sentiment_score":0.1474781483411789}],"sentiment":"positive","sentiment_score":0.3773441870764988,"channel":0,"num_words":41,"start":1523.505,"end":1539.12},{"sentences":[{"text":"Mhmm.","start":1538.6901,"end":1539.1901,"sentiment":"neutral","sentiment_score":0.10401422530412674}],"sentiment":"neutral","sentiment_score":0.10401422530412674,"channel":1,"num_words":1,"start":1538.6901,"end":1539.1901},{"sentences":[{"text":"the fees for that, I think, are 0.06 percent.","start":1539.12,"end":1544.16,"sentiment":"neutral","sentiment_score":0.1104358575410313},{"text":"Very, very low because it's an ETF.","start":1544.16,"end":1546.02,"sentiment":"neutral","sentiment_score":0.2685294875076839},{"text":"Tiny little bit of brokerage for that, but I'll show you that in the statement of advice.","start":1547.285,"end":1550.825,"sentiment":"neutral","sentiment_score":0.13835081545745626}],"sentiment":"neutral","sentiment_score":0.15835130282423712,"channel":0,"num_words":33,"start":1539.12,"end":1550.825},{"sentences":[{"text":"Okay.","start":1551.275,"end":1551.775,"sentiment":"neutral","sentiment_score":0.17099550366401672},{"text":"Yep.","start":1551.8351,"end":1552.3351,"sentiment":"neutral","sentiment_score":0.24223391711711884}],"sentiment":"neutral","sentiment_score":0.20661471039056778,"channel":1,"num_words":2,"start":1551.275,"end":1552.3351},{"sentences":[{"text":"Perfect.","start":1553.045,"end":1553.545,"sentiment":"positive","sentiment_score":0.42117974162101746},{"text":"Last two things I wanted to run by with you while I go through that update.","start":1554.165,"end":1558.1849,"sentiment":"neutral","sentiment_score":0.19818483293056488},{"text":"I'm going to just base the projections on the estimated employer contributions until we get a handle of how you do the contributions personally and things like that.","start":1559.38,"end":1569.86,"sentiment":"neutral","sentiment_score":0.17114325453128135},{"text":"So I'll definitely","start":1569.86,"end":1570.6599,"sentiment":"neutral","sentiment_score":0.16324963172276816}],"sentiment":"neutral","sentiment_score":0.18487285605321327,"channel":0,"num_words":48,"start":1553.045,"end":1570.6599},{"sentences":[{"text":"Yeah.","start":1570.5549,"end":1571.0549,"sentiment":"neutral","sentiment_score":0.12732157111167908}],"sentiment":"neutral","sentiment_score":0.12732157111167908,"channel":1,"num_words":1,"start":1570.5549,"end":1571.0549},{"sentences":[{"text":"update that once","start":1570.6599,"end":1572.02,"sentiment":"neutral","sentiment_score":0.10830331593751907}],"sentiment":"neutral","sentiment_score":0.10830331593751907,"channel":0,"num_words":3,"start":1570.6599,"end":1572.02},{"sentences":[{"text":"Yep.","start":1571.835,"end":1572.335,"sentiment":"neutral","sentiment_score":0.08708032965660095}],"sentiment":"neutral","sentiment_score":0.08708032965660095,"channel":1,"num_words":1,"start":1571.835,"end":1572.335},{"sentences":[{"text":"we chat around May, June, if that's okay.","start":1572.02,"end":1574.52,"sentiment":"neutral","sentiment_score":0.09443457331508398}],"sentiment":"neutral","sentiment_score":0.09443457331508398,"channel":0,"num_words":8,"start":1572.02,"end":1574.52},{"sentences":[{"text":"Mhmm.","start":1574.075,"end":1574.575,"sentiment":"neutral","sentiment_score":0.07377056777477264},{"text":"Yeah.","start":1574.715,"end":1575.115,"sentiment":"neutral","sentiment_score":0.12083077430725098},{"text":"No problem.","start":1575.115,"end":1575.775,"sentiment":"neutral","sentiment_score":0.21001075208187103}],"sentiment":"neutral","sentiment_score":0.15365571156144142,"channel":1,"num_words":4,"start":1574.075,"end":1575.775},{"sentences":[{"text":"Your beneficiary is still listing Dion as a 100% beneficiary for the super and the insurance because when you've got","start":1576.8049,"end":1585.605,"sentiment":"neutral","sentiment_score":0.17162594720721244}],"sentiment":"neutral","sentiment_score":0.17162594720721244,"channel":0,"num_words":20,"start":1576.8049,"end":1585.605},{"sentences":[{"text":"Yep.","start":1585.45,"end":1585.95,"sentiment":"neutral","sentiment_score":0.1402744501829147}],"sentiment":"neutral","sentiment_score":0.1402744501829147,"channel":1,"num_words":1,"start":1585.45,"end":1585.95},{"sentences":[{"text":"the hub twenty four insurances, it combines to the one beneficiary.","start":1585.605,"end":1589.065,"sentiment":"neutral","sentiment_score":0.1302289000966332},{"text":"So I'm assuming","start":1589.57,"end":1590.21,"sentiment":"neutral","sentiment_score":0.0796721378962199}],"sentiment":"neutral","sentiment_score":0.11939530819654465,"channel":0,"num_words":14,"start":1585.605,"end":1590.21},{"sentences":[{"text":"Mhmm.","start":1589.93,"end":1590.43,"sentiment":"neutral","sentiment_score":0.039319828152656555}],"sentiment":"neutral","sentiment_score":0.039319828152656555,"channel":1,"num_words":1,"start":1589.93,"end":1590.43},{"sentences":[{"text":"you still wanna leave that in place.","start":1590.21,"end":1591.83,"sentiment":"neutral","sentiment_score":0.016158920845815113}],"sentiment":"neutral","sentiment_score":0.016158920845815113,"channel":0,"num_words":7,"start":1590.21,"end":1591.83},{"sentences":[{"text":"Yeah.","start":1592.25,"end":1592.65,"sentiment":"neutral","sentiment_score":0.1869488954544067},{"text":"Yep.","start":1592.65,"end":1593.15,"sentiment":"neutral","sentiment_score":0.16615301370620728}],"sentiment":"neutral","sentiment_score":0.176550954580307,"channel":1,"num_words":2,"start":1592.25,"end":1593.15},{"sentences":[{"text":"Yep.","start":1593.73,"end":1594.05,"sentiment":"neutral","sentiment_score":0.15118813514709473},{"text":"And lastly, with the insurances, we did transfer across that original cover.","start":1594.05,"end":1600.79,"sentiment":"neutral","sentiment_score":0.0968658346682787},{"text":"And I'm just gonna quickly bring up the current figures for your policy.","start":1600.85,"end":1605.975,"sentiment":"neutral","sentiment_score":0.10315967293886039},{"text":"I wasn't able to get, like, a certificate of currency.","start":1606.355,"end":1608.595,"sentiment":"neutral","sentiment_score":-0.04839762076735497},{"text":"Normally, I would send you one of those through.","start":1608.595,"end":1610.515,"sentiment":"neutral","sentiment_score":0.015068997240935763}],"sentiment":"neutral","sentiment_score":0.05125108148592214,"channel":0,"num_words":45,"start":1593.73,"end":1610.515},{"sentences":[{"text":"I'm gonna try and find one,","start":1610.515,"end":1612.215,"sentiment":"neutral","sentiment_score":0.04841929922501246}],"sentiment":"neutral","sentiment_score":0.04841929922501246,"channel":0,"num_words":6,"start":1610.515,"end":1612.215},{"sentences":[{"text":"Mhmm.","start":1611.9,"end":1612.4,"sentiment":"neutral","sentiment_score":0.020244013518095016}],"sentiment":"neutral","sentiment_score":0.020244013518095016,"channel":1,"num_words":1,"start":1611.9,"end":1612.4},{"sentences":[{"text":"but you have a $161,002.80 of life and disability 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and attempt to get something different?","start":1645.455,"end":1649.235,"sentiment":"neutral","sentiment_score":-0.03990566427819431}],"sentiment":"neutral","sentiment_score":-0.07975687798526553,"channel":0,"num_words":45,"start":1636.095,"end":1649.235},{"sentences":[{"text":"No.","start":1649.63,"end":1649.9501,"sentiment":"neutral","sentiment_score":-0.14408697187900543},{"text":"That's okay.","start":1649.9501,"end":1650.59,"sentiment":"neutral","sentiment_score":0.020070090889930725},{"text":"Yep.","start":1650.59,"end":1650.91,"sentiment":"neutral","sentiment_score":0.22569504380226135},{"text":"And it will leave it as it is.","start":1650.91,"end":1652.4501,"sentiment":"neutral","sentiment_score":0.1829883810132742}],"sentiment":"neutral","sentiment_score":0.13213794181744257,"channel":1,"num_words":12,"start":1649.63,"end":1652.4501},{"sentences":[{"text":"Okay.","start":1653.03,"end":1653.51,"sentiment":"neutral","sentiment_score":0.10785625129938126},{"text":"So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again.","start":1653.51,"end":1660.55,"sentiment":"neutral","sentiment_score":0.10007528254860326},{"text":"Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property.","start":1660.55,"end":1666.865,"sentiment":"neutral","sentiment_score":0.0749466648325324},{"text":"So it's probably a good idea to keep the life and TPD there.","start":1666.865,"end":1669.6649,"sentiment":"neutral","sentiment_score":0.2560912875028757},{"text":"So when you've got a mortgage, you can help with that as 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be","start":1673.345,"end":1680.8099,"sentiment":"neutral","sentiment_score":-0.04418299339401225}],"sentiment":"neutral","sentiment_score":-0.04418299339401225,"channel":0,"num_words":24,"start":1673.345,"end":1680.8099},{"sentences":[{"text":"Yep.","start":1680.785,"end":1681.285,"sentiment":"neutral","sentiment_score":-0.023543961346149445}],"sentiment":"neutral","sentiment_score":-0.023543961346149445,"channel":1,"num_words":1,"start":1680.785,"end":1681.285},{"sentences":[{"text":"70% of what you have.","start":1680.8099,"end":1682.59,"sentiment":"neutral","sentiment_score":-0.0035241246223449707},{"text":"But, again, 2,300 a month should be 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sense?","start":1744.88,"end":1745.94,"sentiment":"neutral","sentiment_score":-0.04099023249000311}],"sentiment":"neutral","sentiment_score":-0.13823588352118218,"channel":0,"num_words":21,"start":1739.44,"end":1745.94},{"sentences":[{"text":"Yeah.","start":1746.0951,"end":1746.415,"sentiment":"neutral","sentiment_score":-0.001326216384768486},{"text":"Yep.","start":1746.415,"end":1746.915,"sentiment":"neutral","sentiment_score":-0.001496812328696251}],"sentiment":"neutral","sentiment_score":-0.0014115143567323685,"channel":1,"num_words":2,"start":1746.0951,"end":1746.915},{"sentences":[{"text":"The one that would be a bit of a concern would be the pre leukemia cells because you I believe we've got a note here that you see hematologist, and it's hereditary.","start":1747.5199,"end":1758.535,"sentiment":"neutral","sentiment_score":-0.09912247897591442},{"text":"Could you just tell me just a little bit more about 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it?","start":1779.495,"end":1787.1699,"sentiment":"neutral","sentiment_score":-0.0020017657828118123}],"sentiment":"neutral","sentiment_score":-0.01437076016400869,"channel":1,"num_words":26,"start":1773.495,"end":1787.1699},{"sentences":[{"text":"No.","start":1787.425,"end":1787.665,"sentiment":"neutral","sentiment_score":-0.09888152778148653},{"text":"That's what I was just about","start":1787.665,"end":1788.865,"sentiment":"neutral","sentiment_score":-0.0948580838739872}],"sentiment":"neutral","sentiment_score":-0.09543286157505852,"channel":0,"num_words":7,"start":1787.425,"end":1788.865},{"sentences":[{"text":"Right?","start":1788.6699,"end":1789.07,"sentiment":"neutral","sentiment_score":-0.05309368669986725}],"sentiment":"neutral","sentiment_score":-0.05309368669986725,"channel":1,"num_words":1,"start":1788.6699,"end":1789.07},{"sentences":[{"text":"to 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CLL.","start":1809.755,"end":1827.74,"sentiment":"neutral","sentiment_score":-0.14446599271736646}],"sentiment":"neutral","sentiment_score":-0.10454767245438791,"channel":1,"num_words":62,"start":1793.23,"end":1827.74},{"sentences":[{"text":"His","start":1829.325,"end":1829.6449,"sentiment":"neutral","sentiment_score":-0.10792791843414308}],"sentiment":"neutral","sentiment_score":-0.10792791843414308,"channel":0,"num_words":1,"start":1829.325,"end":1829.6449},{"sentences":[{"text":"Whereas","start":1829.475,"end":1829.975,"sentiment":"neutral","sentiment_score":-0.085844986140728}],"sentiment":"neutral","sentiment_score":-0.085844986140728,"channel":1,"num_words":1,"start":1829.475,"end":1829.975},{"sentences":[{"text":"is CLO?","start":1829.6449,"end":1830.3849,"sentiment":"neutral","sentiment_score":-0.07131561264395714}],"sentiment":"neutral","sentiment_score":-0.07131561264395714,"channel":0,"num_words":2,"start":1829.6449,"end":1830.3849},{"sentences":[{"text":"d l l.","start":1830.8351,"end":1831.475,"sentiment":"neutral","sentiment_score":-0.03735161821047465},{"text":"Yeah.","start":1831.475,"end":1831.975,"sentiment":"neutral","sentiment_score":-0.046703580766916275},{"text":"Whereas","start":1833.475,"end":1833.975,"sentiment":"neutral","sentiment_score":-0.07416388392448425}],"sentiment":"neutral","sentiment_score":-0.0465844638645649,"channel":1,"num_words":5,"start":1830.8351,"end":1833.975},{"sentences":[{"text":"Yeah.","start":1833.8049,"end":1834.3049,"sentiment":"neutral","sentiment_score":-0.08133375644683838}],"sentiment":"neutral","sentiment_score":-0.08133375644683838,"channel":0,"num_words":1,"start":1833.8049,"end":1834.3049},{"sentences":[{"text":"mine is no.","start":1834.275,"end":1836.115,"sentiment":"neutral","sentiment_score":-0.1931842416524887},{"text":"I can't.","start":1836.115,"end":1836.515,"sentiment":"neutral","sentiment_score":-0.28789228945970535},{"text":"Let me find 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MDS,","start":1856.635,"end":1860.1749,"sentiment":"neutral","sentiment_score":-0.18804861179419927}],"sentiment":"neutral","sentiment_score":-0.18804861179419927,"channel":0,"num_words":7,"start":1856.635,"end":1860.1749},{"sentences":[{"text":"Not.","start":1861.875,"end":1862.375,"sentiment":"neutral","sentiment_score":-0.22235634922981265}],"sentiment":"neutral","sentiment_score":-0.22235634922981265,"channel":1,"num_words":1,"start":1861.875,"end":1862.375},{"sentences":[{"text":"Immature white blood cells in the bone marrow.","start":1863.6599,"end":1866.2999,"sentiment":"neutral","sentiment_score":-0.2219302225857973},{"text":"I'm assuming it's not that one.","start":1866.2999,"end":1868.08,"sentiment":"neutral","sentiment_score":-0.18351278702418009},{"text":"Male Lottie splastic syndrome.","start":1871.1799,"end":1874.3999,"sentiment":"neutral","sentiment_score":-0.16725767217576504},{"text":"Does that sound oh, 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for the review.","start":2043.855,"end":2046.975,"sentiment":"neutral","sentiment_score":0.18469026549295944},{"text":"Do you have any questions for me at this point?","start":2046.975,"end":2049.18,"sentiment":"neutral","sentiment_score":0.06113489232957363}],"sentiment":"neutral","sentiment_score":0.14658553324018916,"channel":0,"num_words":24,"start":2041.615,"end":2049.18},{"sentences":[{"text":"No.","start":2049.58,"end":2049.9,"sentiment":"neutral","sentiment_score":-0.19860023260116577},{"text":"Not all good.","start":2049.9,"end":2050.54,"sentiment":"neutral","sentiment_score":-0.23290587464968363},{"text":"Thank you.","start":2050.54,"end":2051.28,"sentiment":"neutral","sentiment_score":0.025357097387313843}],"sentiment":"neutral","sentiment_score":-0.1411006102959315,"channel":1,"num_words":6,"start":2049.58,"end":2051.28},{"sentences":[{"text":"Amazing.","start":2051.8198,"end":2052.3198,"sentiment":"positive","sentiment_score":0.3753513693809509},{"text":"So I'm going to shoot you through your annual review pack.","start":2052.54,"end":2056.5598,"sentiment":"neutral","sentiment_score":0.16846717487681995},{"text":"It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement.","start":2056.7,"end":2070.885,"sentiment":"neutral","sentiment_score":0.11370887065475638},{"text":"So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance.","start":2071.265,"end":2082.32,"sentiment":"neutral","sentiment_score":0.03014500489966436},{"text":"When we get you up to 600,000, that's when it caps.","start":2082.7002,"end":2086.8801,"sentiment":"neutral","sentiment_score":-0.01572121942246502}],"sentiment":"neutral","sentiment_score":0.07643522216488471,"channel":0,"num_words":89,"start":2051.8198,"end":2086.8801},{"sentences":[{"text":"Obviously, we have clients that get up to $1.02, 3,000,000, and, you know, $30 is a little bit excessive, but","start":2087.1,"end":2094.355,"sentiment":"neutral","sentiment_score":-0.09046498518437147}],"sentiment":"neutral","sentiment_score":-0.09046498518437147,"channel":0,"num_words":20,"start":2087.1,"end":2094.355},{"sentences":[{"text":"Mhmm.","start":2094.0151,"end":2094.095,"sentiment":"neutral","sentiment_score":-0.05480498820543289},{"text":"Yep.","start":2094.095,"end":2094.595,"sentiment":"neutral","sentiment_score":-0.050983961671590805}],"sentiment":"neutral","sentiment_score":-0.05289447493851185,"channel":1,"num_words":2,"start":2094.0151,"end":2094.595},{"sentences":[{"text":"that's why we put a bit of a cap on there as well.","start":2094.415,"end":2096.8352,"sentiment":"neutral","sentiment_score":-0.11962163935487087}],"sentiment":"neutral","sentiment_score":-0.11962163935487087,"channel":0,"num_words":13,"start":2094.415,"end":2096.8352},{"sentences":[{"text":"Okay.","start":2097.055,"end":2097.555,"sentiment":"neutral","sentiment_score":0.11398476362228394}],"sentiment":"neutral","sentiment_score":0.11398476362228394,"channel":1,"num_words":1,"start":2097.055,"end":2097.555},{"sentences":[{"text":"Awesome.","start":2098.495,"end":2098.995,"sentiment":"neutral","sentiment_score":0.26718083024024963},{"text":"So I'll pop that through to your Hotmail.","start":2099.0552,"end":2100.995,"sentiment":"neutral","sentiment_score":0.17610054649412632},{"text":"This will actually come through our new system, which is called OdooSign.","start":2101.215,"end":2104.97,"sentiment":"neutral","sentiment_score":0.12769069770971933},{"text":"It's very similar to, like, a DocuSign.","start":2105.51,"end":2107.45,"sentiment":"neutral","sentiment_score":0.09407656001193183},{"text":"There will be excuse me.","start":2107.83,"end":2109.61,"sentiment":"neutral","sentiment_score":-0.013561438769102097}],"sentiment":"neutral","sentiment_score":0.1151212818469062,"channel":0,"num_words":33,"start":2098.495,"end":2109.61},{"sentences":[{"text":"Sorry then.","start":2111.43,"end":2111.99,"sentiment":"neutral","sentiment_score":-0.1398763507604599},{"text":"I had something stuck in my throat.","start":2111.99,"end":2113.75,"sentiment":"neutral","sentiment_score":-0.304217843072755},{"text":"There'll be some attachments with the reports, like PDF attachments, like a normal email, but then there'll actually be a link to the signable documents as well.","start":2113.75,"end":2121.485,"sentiment":"neutral","sentiment_score":0.09177499002328625},{"text":"So if you have any trouble, just call the team at the office number.","start":2121.485,"end":2125.345,"sentiment":"neutral","sentiment_score":0.04086394262100969}],"sentiment":"neutral","sentiment_score":0.012814846485853196,"channel":0,"num_words":50,"start":2111.43,"end":2125.345},{"sentences":[{"text":"Yep.","start":2125.4949,"end":2125.7349,"sentiment":"neutral","sentiment_score":0.08603265881538391},{"text":"Yep.","start":2125.7349,"end":2126.055,"sentiment":"neutral","sentiment_score":0.08846064656972885},{"text":"Okay.","start":2126.055,"end":2126.535,"sentiment":"neutral","sentiment_score":0.17954251170158386},{"text":"No problem.","start":2126.535,"end":2127.275,"sentiment":"positive","sentiment_score":0.4210219234228134}],"sentiment":"neutral","sentiment_score":0.2392159327864647,"channel":1,"num_words":5,"start":2125.4949,"end":2127.275},{"sentences":[{"text":"Awesome.","start":2127.5652,"end":2127.965,"sentiment":"positive","sentiment_score":0.7658096551895142},{"text":"I'll pop that through to you now.","start":2127.965,"end":2129.5652,"sentiment":"positive","sentiment_score":0.6256266151155744},{"text":"Do you have any other questions for me before I let you go?","start":2129.5652,"end":2132.145,"sentiment":"neutral","sentiment_score":0.1954146887247379}],"sentiment":"positive","sentiment_score":0.3659803292581013,"channel":0,"num_words":21,"start":2127.5652,"end":2132.145},{"sentences":[{"text":"No.","start":2132.27,"end":2132.51,"sentiment":"neutral","sentiment_score":-0.08647799491882324},{"text":"No.","start":2132.51,"end":2132.75,"sentiment":"neutral","sentiment_score":-0.0878644585609436},{"text":"All good.","start":2132.75,"end":2133.1501,"sentiment":"neutral","sentiment_score":0.2461416870355606},{"text":"Thank you.","start":2133.1501,"end":2133.8901,"sentiment":"positive","sentiment_score":0.5088364332914352}],"sentiment":"neutral","sentiment_score":0.22260229786237082,"channel":1,"num_words":6,"start":2132.27,"end":2133.8901},{"sentences":[{"text":"Amazing, Faye.","start":2134.31,"end":2135.27,"sentiment":"positive","sentiment_score":0.7668938338756561},{"text":"I wish you all the best of luck with your getting a hold of the the Pine Forest lot because that would be amazing.","start":2135.27,"end":2142.4102,"sentiment":"positive","sentiment_score":0.6879278868436813}],"sentiment":"positive","sentiment_score":0.6940021904615256,"channel":0,"num_words":26,"start":2134.31,"end":2142.4102},{"sentences":[{"text":"Yep.","start":2142.045,"end":2142.365,"sentiment":"neutral","sentiment_score":0.18913911283016205},{"text":"Yep.","start":2142.365,"end":2142.865,"sentiment":"neutral","sentiment_score":0.15166720747947693}],"sentiment":"neutral","sentiment_score":0.1704031601548195,"channel":1,"num_words":2,"start":2142.045,"end":2142.865},{"sentences":[{"text":"The team will probably give you a call in a couple of weeks time just to go through this updated plan with","start":2143.9102,"end":2148.8252,"sentiment":"neutral","sentiment_score":0.17176987840370697}],"sentiment":"neutral","sentiment_score":0.17176987840370697,"channel":0,"num_words":22,"start":2143.9102,"end":2148.8252},{"sentences":[{"text":"Okay.","start":2149.357,"end":2149.677,"sentiment":"neutral","sentiment_score":0.2411836683750153},{"text":"Wonderful.","start":2149.677,"end":2150.177,"sentiment":"positive","sentiment_score":0.6543861031532288}],"sentiment":"positive","sentiment_score":0.447784885764122,"channel":1,"num_words":2,"start":2149.357,"end":2150.177},{"sentences":[{"text":"me.","start":2150.725,"end":2150.965,"sentiment":"positive","sentiment_score":0.5050203800201416},{"text":"Amazing.","start":2150.965,"end":2151.445,"sentiment":"positive","sentiment_score":0.8033316135406494},{"text":"Have a fantastic weekend, and thank you for your","start":2151.445,"end":2153.865,"sentiment":"positive","sentiment_score":0.830317305194007}],"sentiment":"positive","sentiment_score":0.7982916127551686,"channel":0,"num_words":11,"start":2150.725,"end":2153.865},{"sentences":[{"text":"You too.","start":2153.757,"end":2154.3171,"sentiment":"positive","sentiment_score":0.6300627887248993},{"text":"Thanks very much.","start":2154.3171,"end":2155.297,"sentiment":"positive","sentiment_score":0.7802999416987101}],"sentiment":"positive","sentiment_score":0.7202050805091857,"channel":1,"num_words":5,"start":2153.757,"end":2155.297},{"sentences":[{"text":"time.","start":2155.0452,"end":2155.445,"sentiment":"positive","sentiment_score":0.43018317222595215},{"text":"Thanks, Faye.","start":2155.445,"end":2156.245,"sentiment":"positive","sentiment_score":0.6277282238006592}],"sentiment":"positive","sentiment_score":0.5618798732757568,"channel":0,"num_words":3,"start":2155.0452,"end":2156.245},{"sentences":[{"text":"Bye","start":2156.237,"end":2156.477,"sentiment":"neutral","sentiment_score":0.2678050696849823}],"sentiment":"neutral","sentiment_score":0.2678050696849823,"channel":1,"num_words":1,"start":2156.237,"end":2156.477},{"sentences":[{"text":"Bye.","start":2156.245,"end":2156.745,"sentiment":"neutral","sentiment_score":0.23317033052444455}],"sentiment":"neutral","sentiment_score":0.23317033052444455,"channel":0,"num_words":1,"start":2156.245,"end":2156.745},{"sentences":[{"text":"now.","start":2156.477,"end":2156.797,"sentiment":"neutral","sentiment_score":0.20047599077224731},{"text":"Bye.","start":2156.797,"end":2157.297,"sentiment":"neutral","sentiment_score":-0.11707346141338348}],"sentiment":"neutral","sentiment_score":0.041701264679431915,"channel":1,"num_words":2,"start":2156.477,"end":2157.297}]},"summary":{"result":"success","short":"During a call with Faye from Oakview Financial, the adviser updated Faye's account with information about her father's estate and assets and liabilities, and discussed her recent bankruptcy and debt agreements. They also discussed Faye's income and retirement plans, her goals for her daughter's education, and retirement savings. The agent updated Faye's address and phone number, discussed retirement plans, and addressed insurance coverage for trauma and mental health conditions. The speaker provided information on a replacement stock and a low fee index fund, discussed options for replacing a replacement stock, and discussed the process for a pre assessment with insurance providers and a quote for a 100,000 monthly payment. They also discussed options for a replacement stock and provided information on insurance coverage and a quote for a 100,000 monthly payment."},"intents":{"segments":[{"text":"Are you okay to confirm your date of birth and address, please? Yep.","start_word":105,"end_word":117,"intents":[{"intent":"Confirm date of birth","confidence_score":0.047148906}]},{"text":"So the previous address was 1 Slash 21 Robert Street, Madhubah, Queensland. Perfect.","start_word":129,"end_word":141,"intents":[{"intent":"Provide address","confidence_score":0.11389731},{"intent":"Confirm address","confidence_score":0.12275526}]},{"text":"So what I wanted to do today was I was going through your account this morning, just going through your super performance and a few different things, but it did seem like you had a few circumstances change towards the end of last year as well. I know you were going through an estate sort of execution, I believe, for your father as well. So are you okay if I just go through your details and just update a few things on our system? Yeah.","start_word":239,"end_word":323,"intents":[{"intent":"Update system","confidence_score":0.021899035}]},{"text":"The move changed. Yep.","start_word":361,"end_word":364,"intents":[{"intent":"Discussing moving changes","confidence_score":0.0009901118}]},{"text":"The savings has gone down a bit, so we're only sitting at about 8,000 now. 8,000. And you had a lightweight road bike, about $10,000 value. Do you still have the bike? Yeah. We still got that. Perfect. And there was a hectare of pine forest noted down. Is that property still there? Well, that's something that's still in discussion with Yep. regards to my parents' estate.","start_word":425,"end_word":491,"intents":[{"intent":"Discussing savings and estate discussions","confidence_score":0.0003551671}]},{"text":"I was because I'm contracting to Darcy at the moment, I will have to make personal contributions for my super Yep. because I just invoice them for each week's work. Okay.","start_word":994,"end_word":1024,"intents":[{"intent":"Make contributions","confidence_score":0.5126213}]},{"text":"then towards the end of financial year, we can complete a notice of intent to claim form to basically tell the super fund to tell the tax office that you're claiming these contributions as concessional. Okay.","start_word":1106,"end_word":1141,"intents":[{"intent":"Provide notice of claim","confidence_score":0.0038767995}]},{"text":"So what I might do is I might schedule in a catch up for the team to call you at the May, early June, if that's okay, Yep. just to see if there's any contributions that need to be claimed, and they Mhmm.","start_word":1187,"end_word":1229,"intents":[{"intent":"Schedule call","confidence_score":0.24088687}]},{"text":"Outside of that, so we've got the address has been updated. You're still married with Jay? Yes.","start_word":1253,"end_word":1269,"intents":[{"intent":"Update address","confidence_score":0.55878305}]},{"text":"Have you since updated your your estate plan? Not as yet.","start_word":1328,"end_word":1338,"intents":[{"intent":"Update estate plan","confidence_score":0.69700634}]},{"text":"You were going to purchase a house on the Gold Coast or Northern New South Wales. Is that still part of your main goals? Yeah.","start_word":1458,"end_word":1482,"intents":[{"intent":"Schedule property purchase","confidence_score":0.0011796171}]},{"text":"I was actually really impressed with how your super has been going pretty much the whole time that you've you've been in this account. Yep.","start_word":2413,"end_word":2437,"intents":[{"intent":"Review portfolio performance","confidence_score":0.0022235608}]},{"text":"The recent drop in the market, I think your peak was a 109,000, and you're only down to about a $105,001.75 as Yep.","start_word":2497,"end_word":2519,"intents":[{"intent":"Discuss market decline","confidence_score":0.0009852045}]},{"text":"Does that ring a bell? Yeah.","start_word":2724,"end_word":2729,"intents":[{"intent":"Inquire about current account balance","confidence_score":0.000008212267}]},{"text":"We still got quite a few years before we retire. So, No.","start_word":2771,"end_word":2782,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.01573423}]},{"text":"And then the stock market crashes, you lose half your super. Do you know what I mean? Yes.","start_word":2863,"end_word":2880,"intents":[{"intent":"Explain financial situation","confidence_score":0.003899288}]},{"text":"Most of the options in the last twelve months have gone up, again, really substantially. We have your battery tech and lithium, which is kind of like electric vehicles.","start_word":2920,"end_word":2948,"intents":[{"intent":"Mention recent investments","confidence_score":0.002410155}]},{"text":"Most of the options in the last twelve months have gone up, again, really substantially. We have your battery tech and lithium, which is kind of like electric vehicles. Yeah.","start_word":2920,"end_word":2949,"intents":[{"intent":"Discuss future plans","confidence_score":0.02756438},{"intent":"Reflect on market corrections","confidence_score":0.000007192689}]},{"text":"The overall Mhmm. is sitting at about just under 12% net of fees. So it's definitely hitting that target still with a bit of a drop mixed in.","start_word":2961,"end_word":2988,"intents":[{"intent":"Highlight financial benefits","confidence_score":0.000071434224}]},{"text":"So you got a a really good advantage of dollar cost averaging buying weekly rather than Yep. it waiting quarterly. So that was really handy for you as well. Yeah.","start_word":3025,"end_word":3054,"intents":[{"intent":"Explain financial advantages","confidence_score":0.00009922972}]},{"text":"so they will all be weekly, so everybody will benefit from that. Absolutely.","start_word":3075,"end_word":3087,"intents":[{"intent":"Understand benefit of weekly payment","confidence_score":2.9659284e-7}]},{"text":"I dollar cost averaging is definitely my favorite thing, so I'm glad that everyone will be on that. I'll just see how it works out with all the employers and who complies, who struggles, and it'll be interesting to see. Yeah.","start_word":3088,"end_word":3128,"intents":[{"intent":"Understand cost averaging methodology","confidence_score":0.0006094056}]},{"text":"they'll be fine because they they were previously accountants, and they look after the the majority of this their books themselves. They're They'll be responsible fine with that. enough, but they're just Yeah. wanting They're to responsible wait till last enough. minute.","start_word":3221,"end_word":3262,"intents":[{"intent":"Understand client responsibilities","confidence_score":0.0021501342}]},{"text":"I could sort of give them that feedback, and they'd be like, oh, yeah. Let me see how Yeah.","start_word":3317,"end_word":3335,"intents":[{"intent":"Provide feedback for clients","confidence_score":0.020241182}]},{"text":"tell them that you're one of the top 5% performing clients of Oakview Financial, and part of that's due to having frequent contributions. So it's, Okay.","start_word":3340,"end_word":3365,"intents":[{"intent":"Understand client's super performance","confidence_score":0.0066704014}]},{"text":"Faye, there is one thing that I wanted to kind of update on your portfolio potentially, just obviously given what's going on in the world.","start_word":3444,"end_word":3468,"intents":[{"intent":"Update portfolios","confidence_score":0.12773654}]},{"text":"But I also want to do a bit of a rebalance because you've had such extreme growth in some options and not others, it kind of throws your portfolio out of whack over a period of time. And I just wanna kind of bring it back to the original weighting just so the asset classes are how they should be.","start_word":3567,"end_word":3626,"intents":[{"intent":"Rebalance asset classes","confidence_score":0.12023663}]},{"text":"I'm not sure sort of what how it's how it's looking on the market, but I've obviously sort of seen some things in the news that David has been really pushing to to have oil refineries up and running back in Australia as quickly as possible, and they've already started fast tracking one in particular.","start_word":3664,"end_word":3718,"intents":[{"intent":"Start fast tracking","confidence_score":0.050820474}]},{"text":"Are you familiar with active and passive investments?","start_word":4175,"end_word":4182,"intents":[{"intent":"Compare investments","confidence_score":0.04735595}]},{"text":"you still wanna leave that in place. Yeah. Yep.","start_word":4416,"end_word":4424,"intents":[{"intent":"Leave insurance cover","confidence_score":0.00015109446},{"intent":"Keep insurance coverage","confidence_score":0.09856063}]},{"text":"I wasn't able to get, like, a certificate of currency.","start_word":4450,"end_word":4459,"intents":[{"intent":"Find certificate of currency","confidence_score":0.40318885}]},{"text":"and just over 2,300 a month of income protection. Premiums are $80.29 per month. That's obviously before the 15% rebate. Your income protection was a ninety day wait and a two year benefit period. Now Yep.","start_word":4487,"end_word":4522,"intents":[{"intent":"Provide income protection","confidence_score":0.0011664318}]},{"text":"Do you want me to look at some quotes and and attempt to get something different? No.","start_word":4552,"end_word":4568,"intents":[{"intent":"Look for quotes","confidence_score":0.0103074545}]},{"text":"So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again. Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property. So it's probably a good idea to keep the life and TPD there. So when you've got a mortgage, you can help with that as well. Yeah.","start_word":4581,"end_word":4646,"intents":[{"intent":"Provide tpd","confidence_score":0.0010091041},{"intent":"Provide property","confidence_score":0.09277787}]},{"text":"The only one you don't have is trauma insurance, which is like heart attack, stroke, and cancer. It's only out of pocket. But then again, public health system, family in those events, it's up to you if you want me to look for a quote for that or just leave it as the three that you have.","start_word":4691,"end_word":4747,"intents":[{"intent":"Look for quote","confidence_score":0.078143075}]},{"text":"The the hereditary side of it, I'm not a 100% sure about now because being able to speak to my father now, his condition is another form of leukemia, but it's referred to as for short, it's CLL.","start_word":4990,"end_word":5027,"intents":[{"intent":"Find hereditary condition","confidence_score":0.0023888783}]},{"text":"Is there something where you would say if it's this small, that would be okay versus a hard no? Yeah. Probably like that 40 to $50 a month, hopefully.","start_word":5350,"end_word":5378,"intents":[{"intent":"Discuss pricing","confidence_score":0.22068046}]},{"text":"we go through the portfolio update, I'll have the quote there as well, and it's up to you whether you wanna sort of go ahead with it or not.","start_word":5445,"end_word":5473,"intents":[{"intent":"Discuss portfolio update","confidence_score":0.51173186},{"intent":"Discuss portfolio update","confidence_score":0.019275317}]},{"text":"So I'm going to shoot you through your annual review pack. It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement.","start_word":5516,"end_word":5559,"intents":[{"intent":"Provide information","confidence_score":0.0105049}]},{"text":"So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance.","start_word":5560,"end_word":5592,"intents":[{"intent":"Discuss fee allocation","confidence_score":0.00058738806}]},{"text":"So I'll pop that through to your Hotmail. This will actually come through our new system, which is called OdooSign. It's very similar to, like, a DocuSign. There will be excuse me.","start_word":5641,"end_word":5672,"intents":[{"intent":"Discuss new system","confidence_score":0.30273163}]}]},"sentiments":{"segments":[{"text":"Morning.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.12416893243789671},{"text":"Good Faith morning, Faye.","start_word":1,"end_word":4,"sentiment":"positive","sentiment_score":0.3960762619972229},{"text":"It's Tommy here, senior adviser speaking. from Oakview Financial. How are you doing today? Hi.","start_word":5,"end_word":19,"sentiment":"neutral","sentiment_score":0.24354632198810575},{"text":"Good.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.3993900716304779},{"text":"Yourself?","start_word":21,"end_word":21,"sentiment":"neutral","sentiment_score":0.3287307918071747},{"text":"I'm doing fantastic. Thank you for asking. I Awesome.","start_word":22,"end_word":30,"sentiment":"positive","sentiment_score":0.7168973684310913},{"text":"just wanted to give you a quick call because we had a annual review with Kyle a few days ago, and I believe Yep. it was rescheduled for this morning. Is that correct? Yeah. That's right.","start_word":31,"end_word":66,"sentiment":"neutral","sentiment_score":0.15401165187358856},{"text":"Beautiful.","start_word":67,"end_word":67,"sentiment":"positive","sentiment_score":0.5334819555282593},{"text":"Do you have a bit of time for me today? Yeah. I do.","start_word":68,"end_word":80,"sentiment":"neutral","sentiment_score":0.13716989755630493},{"text":"Awesome.","start_word":81,"end_word":81,"sentiment":"positive","sentiment_score":0.3504127562046051},{"text":"I'll just go through a quick security check with you. I'm registered with Asic as adviser one two seven three one zero five. Are you okay to confirm your date of birth and address, please? Yep. Date of birth is '72. Yep. We've actually changed it. Yes. So the previous address was 1 Slash 21 Robert Street, Madhubah, Queensland. Perfect. Yep. We're now at 22 Laysan Crescent, Oxford. Oxford. And could you just spell that street name for me, please? Yep. L A Y S A N. Laysan Crescent, Oxford. Yep. Perfect. Not very far from us.","start_word":82,"end_word":178,"sentiment":"neutral","sentiment_score":0.055685896426439285},{"text":"That's brilliant.","start_word":179,"end_word":180,"sentiment":"positive","sentiment_score":0.4547447860240936},{"text":"Okay. And, look, if you ever do wanna pop into the office for a bit of an in person consultation, more than happy to host you here at Southport. But I know it's a little bit of a drive, and the m one can be a bit terrible sometimes, but the offer's always there.","start_word":181,"end_word":234,"sentiment":"neutral","sentiment_score":0.06012073904275894},{"text":"Awesome. Thank you.","start_word":235,"end_word":237,"sentiment":"positive","sentiment_score":0.40668734908103943},{"text":"Perfect. So what I wanted to do today was I was going through your account this morning, just going through your super performance and a few different things, but it did seem like you had a few circumstances change towards the end of last year as well. I know you were going through an estate sort of execution, I believe, for your father as well. So are you okay if I just go through your details and just update a few things on our system? Yeah. Yep. Yep. Perfect. And before I go through the details that we have, is there anything significant that you feel has happened the last sort of three months or so? No. Nothing significant other than the move. The move changed. Yep.","start_word":238,"end_word":364,"sentiment":"neutral","sentiment_score":0.0192585788725868},{"text":"Fantastic.","start_word":365,"end_word":365,"sentiment":"positive","sentiment_score":0.6216539144515991},{"text":"So with the move there, is it just going from one rental to another, or did Yes. you purchase? Yeah. No. Just one rental to another.","start_word":366,"end_word":391,"sentiment":"neutral","sentiment_score":0.05524241179227829},{"text":"Perfect.","start_word":392,"end_word":392,"sentiment":"positive","sentiment_score":0.5202646255493164},{"text":"So with the assets and liabilities, we had two cars there with a combined value of about 35,000 and about 20,000 in savings. Does that sound pretty close to the mark? Yep. The savings has gone down a bit, so we're only sitting at about 8,000 now. 8,000. And you had a lightweight road bike, about $10,000 value. Do you still have the bike? Yeah. We still got that.","start_word":393,"end_word":461,"sentiment":"neutral","sentiment_score":0.12929347157478333},{"text":"Perfect.","start_word":462,"end_word":462,"sentiment":"positive","sentiment_score":0.401826947927475},{"text":"And there was a hectare of pine forest noted down. Is that property still there? Well, that's something that's still in discussion with Yep. regards to my parents' estate. Yep. So my mother passed away. I had been estranged from my parents for the last fifteen years or sixteen Yeah. years. And after my mother passed away, my father reached out, and we've been having a few conversations, but there's still quite a lot to to work through. And that invert that includes what's happening with that investment because it was given to us as a wedding present, but they never put it in our name. So, yeah. And just a couple of discussions I've had with my father, he's keeps saying that it's in the will being left to her daughter. So Okay. So good. potential okay. I'm just making a couple of notes there. So at the time being, we can't really sort of count it as an asset Yep. in your name for the time being, but I will just make a note of it that it's kind of in the mix.","start_word":463,"end_word":647,"sentiment":"neutral","sentiment_score":-0.03043396957218647},{"text":"Perfect.","start_word":648,"end_word":648,"sentiment":"positive","sentiment_score":0.3720170259475708},{"text":"Perfect. Have you ever gone through this is a little bit new just because we've got a a new system and a couple of extra questions this year. Have you ever gone through, like, a bankruptcy or a debt agreement before apart nine? I went through several years ago. I had a credit card debt, and I put that through a an agency just to be able to to pay that down, Yep.","start_word":649,"end_word":721,"sentiment":"neutral","sentiment_score":-0.03795073048071298},{"text":"not get stung with all that interest.","start_word":722,"end_word":728,"sentiment":"negative","sentiment_score":-0.36473599076271057},{"text":"Yep.","start_word":729,"end_word":729,"sentiment":"neutral","sentiment_score":0.0845755785703659},{"text":"Perfect.","start_word":730,"end_word":730,"sentiment":"positive","sentiment_score":0.3466489911079407},{"text":"So, yeah, a payment arrangement which yeah. That was oh, crikey. I think that was about 2013 or something like that. Perfect. It took quite a long time to do this. Are you still working as a bookkeeper? Perfect. Yes. I think we had I'm just going through Carl's notes from his conversation with you. I think you were on around about 95,000. Is that right? Yeah. K. Perfect. Perfect. And you haven't changed employer, I believe. I was going through the contributions this morning, and there was a couple of different entities making contributions to your super. I just wanted to quickly run them by you. So you have MS Fabrications, Queensland PTY Ltd. So I'm assuming that's your main employer? No. No. Since Business Solutions is the is it has been the main one, I've been with them for nearly ten Yep. years. But, yeah, I'm actually not working for MS Fabrications as of Uh-huh. the February. So I'm currently contracting to a company called Darcy Bookkeeping in business services. So, yeah, I'm only in my third week with him. Yep. Perfect. That explains it because I did notice that the contributions from MS Fabrications kind of just stopped a couple of months ago. So the Yep. Darcy bookkeeping, that should kick in as well, but then you've Mhmm. also got the Finch Business Solutions as well. Yep. Yep. Perfect. Perfect. So what I'll do, if the income's still around about 95,000, I'm gonna go off of that for any estimates and projections of the contributions Yeah. Yep. Yeah. Perfect. I was because I'm contracting to Darcy at the moment, I will have to make personal contributions for my super Yep. because I just invoice them for each week's work. Okay. And would you be familiar, of course, with how to make those contributions and claim them as deductible? I will have to have a look at what's what's involved there. I've only just sort of received payment of my first invoice this week. Yep. So, yeah, I'll go look and see how I do that.","start_word":731,"end_word":1078,"sentiment":"neutral","sentiment_score":0.02645149967237108},{"text":"Perfect. So if it's easy enough for you, what you can do is you can make BPAY or EFT contributions directly into your hub account.","start_word":1079,"end_word":1103,"sentiment":"positive","sentiment_score":0.4056203067302704},{"text":"And Mhmm. then towards the end of financial year, we can complete a notice of intent to claim form to basically tell the super fund to tell the tax office that you're claiming these contributions as concessional. Okay. Once that comes back with basically a confirmation letter, that means it's coded with the tax office, and then you're okay to submit your personal tax return. If you Yep.","start_word":1104,"end_word":1171,"sentiment":"neutral","sentiment_score":0.1148623302578926},{"text":"accidentally submit that return before it's processed, it it kind of locks you off.","start_word":1172,"end_word":1185,"sentiment":"negative","sentiment_score":-0.5194133520126343},{"text":"Okay. So what I might do is I might schedule in a catch up for the team to call you at the May, early June, if that's okay, Yep. just to see if there's any contributions that need to be claimed, and they Mhmm. can kind of help you through the forms. Okay. Yep.","start_word":1186,"end_word":1239,"sentiment":"neutral","sentiment_score":0.14581644535064697},{"text":"Great. Just gonna make a quick note of that for the team.","start_word":1240,"end_word":1251,"sentiment":"positive","sentiment_score":0.5306100845336914},{"text":"Alrighty. Outside of that, so we've got the address has been updated. You're still married with Jay? Yes. That's right. Yep. And we've got phone number, and the Hotmail is still okay for the email address? Yes. Yep. Perfect. Do you have any Yeah. She's 21 and still living at home with us. things, you did complete a will a few years ago that needed to be updated because that was all involved with New Zealand. Have you since updated your your estate plan? Not as yet. No. I guess we've held off because we're not you know, we haven't bought another property as yet, but, Yep. yeah, still something that, you know, usual thing is that if they yeah. I should do that, and then it gets put on the back burner. Yeah.","start_word":1252,"end_word":1385,"sentiment":"neutral","sentiment_score":-0.004513965057792948},{"text":"Totally fine. Totally fine.","start_word":1386,"end_word":1389,"sentiment":"positive","sentiment_score":0.4146536588668823},{"text":"I'll just make a note that you do have one in place still. Might be a bit outdated and just keep that updated on the file if that's okay. Yep.","start_word":1390,"end_word":1419,"sentiment":"neutral","sentiment_score":0.0960887223482132},{"text":"Perfect.","start_word":1420,"end_word":1420,"sentiment":"positive","sentiment_score":0.5611538887023926},{"text":"So last thing, and then we'll jump into the super. Yep. And I'm just going through your goals here. So you're basically focusing on at the time, your daughter was finishing school.","start_word":1421,"end_word":1452,"sentiment":"neutral","sentiment_score":0.25985187292099},{"text":"That was pretty well initially.","start_word":1453,"end_word":1457,"sentiment":"positive","sentiment_score":0.5359433889389038},{"text":"You were going to purchase a house on the Gold Coast or Northern New South Wales. Is that still part of your main goals? Yeah. Definitely. Yep. That's Yep. yeah. The the biggest hurdle at the moment is just what we're gonna do to need as a deposit. Yep. Yep. Just building that deposit up. Do you have an idea of how much you're gonna need for a deposit, or are you still kind of working through that? Yeah. Still working through that. A lot of it stems on, you know, that investment which Yep. was supposed to have the trees were supposed to have been harvested last year, I think it was. And according to my father, there's been all sorts of discussions Yeah. with the the investment group green plan that, yeah, people are upset because they're not getting what they had sort of been promised. Yeah. I haven't been on to the website just on, like, to see what's happening with the actual tech tier It's such an interesting to see space whether or because not they've been when I first started in the industry in about 2014, I remember talking to a lot of accountants who were going through, and everybody was purchasing hectares and acres of pine forest and getting it all ready to be harvested and nice and tax deductible and that kind of thing. But I know a lot of those companies folded, and Mhmm. only a couple of them actually went through to produce produce and harvest. So it's it's definitely an interesting space.","start_word":1458,"end_word":1719,"sentiment":"neutral","sentiment_score":-0.041903406708636355},{"text":"I would love to keep an eye on that with you and see what ends up happening just because Yep.","start_word":1720,"end_word":1739,"sentiment":"positive","sentiment_score":0.3875672221183777},{"text":"I'm just personally curious. Yep. Yep. Yeah. No. Some yeah. The trees are planted in 1996, and they've they've got, like, green plan forestry investments. They've got, you know, forests, a lot of forest to around New Zealand. And, you know, I think they sort of started planting maybe two years before this one was planted. Yeah. So yeah. And, you know, going by what I can access to be able to read their their annual reports, you know, they were they were going through and harvesting those earlier ones. Yep. But because, you know, it's not in our name, I can't get any more information than what Yep. I can There's access only on so their much. website. Anything that's public, that's all you can do, but they can't tell Yeah. you specifically about that lot. Yeah. Exactly. Yep. And so, yeah, that's still for the discussion there with my father too. Yeah. Again, ask why all of a sudden, you know, he's saying that it's in the will and left to our daughter when it was supposed to be our wedding gift and Yeah. never been put in our name. I actually you know, I queried with GreenPlan how much it cost just to transfer it into our name, and it was a $100. Yeah. Right. So yeah. So not really a big hurdle to have done, just probably No. spending the time to have actually done it. Yeah. Exactly. Strange. Strange.","start_word":1740,"end_word":1983,"sentiment":"neutral","sentiment_score":-0.020494457334280018},{"text":"Very Yeah. frustrating.","start_word":1984,"end_word":1986,"sentiment":"negative","sentiment_score":-0.3705315291881562},{"text":"I'll I'll be and that's do they just predominantly service in New Zealand, or have they kind of spread between Australia as well? It seems to just be New Zealand for that Yep. that Okay. a lot of investments. Yeah.","start_word":1987,"end_word":2026,"sentiment":"neutral","sentiment_score":-0.08804384618997574},{"text":"Well, I'll be interested to see how it all plays out, but I definitely wish you the best of luck with it, and I hope it all transfers okay and you've got that nice asset and producing, Yeah. that would be fantastic, wouldn't it?","start_word":2027,"end_word":2070,"sentiment":"positive","sentiment_score":0.5389752388000488},{"text":"Yeah. Well, you know, it was sort of the one thing that we thought would help us to be able to get into another property. You know, in hindsight, having sold our our place up in Townsville to come down to the Gold Coast, you know, now we're we're still wondering, should we have held on to it for a bit longer? Because the equity's increased in that just in the time that we've been down here. Yeah. But Yeah. And look. it That's did what pretty we had common. to do. People tend to sell up and move across states and things like that, and the the property market in Australia is always so crazy that it's really easy to get a bit of FOMO or maybe a bit of regret and things like that. But all you can Yep. really do is just try and make the best steps that you can over the next five, ten, fifteen years. And, look, you can't rewind time, but it doesn't mean that you're locked out of owning property. There's just, again, time time to Yep. build deposits, time to try and get that asset under your name, and who knows where you'll be in five years' time. We Just gonna Yep. try and make the best choices that we can. Yep. That's right.","start_word":2071,"end_word":2293,"sentiment":"neutral","sentiment_score":0.05130208283662796},{"text":"Absolutely.","start_word":2294,"end_word":2294,"sentiment":"positive","sentiment_score":0.3693887591361999},{"text":"Last couple of goals that I had here, I was just still looking at the age 65 retirement, bit of super growth and things like that. And was there anything else that I've missed so far in terms of goals for the next three to five years? No. No. Perfect. When it comes to your Hub twenty four account, have you been logging in recently and seeing what's been happening with the news? I haven't had a look just sort of probably in the last two months. I think that's sort of how long it's been since I've last logged in.","start_word":2295,"end_word":2395,"sentiment":"neutral","sentiment_score":0.08508512053159203},{"text":"That is okay. So what I wanted to sort of go through, it's actually not too bad. I was actually really impressed with how your super has been going pretty much the whole time that you've you've been in this account. Yep. I did an inception report since you started the hub account, and I was kind of blown away that the timing of when we bought a few things really worked out in your favor. Like, you have a a gold investment that's up a 109% just in a couple of years. So some of them have just been incredible.","start_word":2396,"end_word":2496,"sentiment":"positive","sentiment_score":0.4844546616077423},{"text":"The recent drop in the market, I think your peak was a 109,000, and you're only down to about a $105,001.75 as Yep. of You today. know? Yeah. Yeah. I mean, yeah, I know it's not a lot of people. I mean, even talking to my father, he's now retired, you know, a lot of people get really, really anxious about it and start to panic, but, you know, I know how super works. We're in that we're in that for the the long haul. Yeah. And I've been happy with how Hub twenty four has been performing since we've been in that, what, two years? Nearly three well, three years now. So, yeah, I've been Yes. Three years almost I on wasn't the dot gonna panic. as of the twenty sixth. Yeah. Yeah. So all in all, like, with Hub twenty four, they haven't had any major changes in fees or features, but they still have the most investment options in the industry. They're sitting at about 1,300 options. You have about eight or nine that we've kind of built a portfolio for you. And if Yep. you remember, you're in, like, a what we call a growth portfolio. It's a Yeah. kind of four out of five on the risk scale sitting at around about 80% growth Yeah. assets like shares, property, and gold. Does that ring a bell? Yeah. Yep. Yep.","start_word":2497,"end_word":2730,"sentiment":"neutral","sentiment_score":0.08119174691601697},{"text":"Definitely.","start_word":2731,"end_word":2731,"sentiment":"positive","sentiment_score":0.5159373879432678},{"text":"And and that is why, you know, I wasn't going to start panicking or be concerned about what's going on currently because, yeah, it's it's not something to be as worried about because I you know, we've we're not. We still got quite a few years before we retire. So, No. yeah, just happy to happy to sit, and things will work themselves out as they generally do Yes. and As long as go we from have the time up our sleeves. And I think for your profile, the usual, like, minimum time frame is about eight or nine years, which you still have. Obviously, once you approach those last seven, eight years, we need to slowly reduce your risk there. level because we don't want you Yeah. sitting at 64.","start_word":2732,"end_word":2862,"sentiment":"neutral","sentiment_score":0.06537394970655441},{"text":"And then the stock market crashes, you lose half your super.","start_word":2863,"end_word":2873,"sentiment":"negative","sentiment_score":-0.35146453976631165},{"text":"Do you know what I mean? Yes. Yep.","start_word":2874,"end_word":2881,"sentiment":"neutral","sentiment_score":0.016393868252635002},{"text":"Perfect.","start_word":2882,"end_word":2882,"sentiment":"positive","sentiment_score":0.4659657478332519},{"text":"So with the average returns for a growth risk profile, you're looking at aiming for about 9% plus on average. Some years, it'll go up fifteen, twenty. Some years, it'll go down 15% in a market correction.","start_word":2883,"end_word":2919,"sentiment":"neutral","sentiment_score":0.10846923291683196},{"text":"Most of the options in the last twelve months have gone up, again, really substantially.","start_word":2920,"end_word":2934,"sentiment":"positive","sentiment_score":0.34942376613616943},{"text":"We have your battery tech and lithium, which is kind of like electric vehicles. Yeah. That's gone up 93%. Your gold's up 30. Shares up 27. The overall Mhmm. is sitting at about just under 12% net of fees. So it's definitely hitting that target still with a bit of a drop mixed in. Yep. Yep. There Yeah. is I've one actually option. just logged in with the FSA of a look see while Yeah. we're And talking. your Yeah. contributions from the previous employer, they were very regular too.","start_word":2935,"end_word":3024,"sentiment":"neutral","sentiment_score":0.17052064836025238},{"text":"So you got a a really good advantage of dollar cost averaging buying weekly rather than Yep.","start_word":3025,"end_word":3041,"sentiment":"positive","sentiment_score":0.42362287640571594},{"text":"it waiting quarterly.","start_word":3042,"end_word":3044,"sentiment":"neutral","sentiment_score":0.24260437488555908},{"text":"So that was really handy for you as well.","start_word":3045,"end_word":3053,"sentiment":"positive","sentiment_score":0.5419014096260071},{"text":"Yeah. Yep. And as you probably know, from first of July, everyone's gonna be on payday Yep.","start_word":3054,"end_word":3070,"sentiment":"neutral","sentiment_score":0.07010984705651507},{"text":"super. So Yep. Absolutely. so they will all be weekly, so everybody will benefit from that. Absolutely. I dollar cost averaging is definitely my favorite thing, so I'm glad that everyone will be on that.","start_word":3071,"end_word":3105,"sentiment":"positive","sentiment_score":0.6540138721466064},{"text":"I'll just see how it works out with all the employers and who complies, who struggles, and it'll be interesting to see. Yeah. Well, yeah, obviously, with my job as a bookkeeper, I've been working with my clients. I've had well, pretty much all but two of my clients with business service services. I've had them using doing payday super since before Christmas last year so that they've Oh, yeah? they've already practiced it. They're they're familiar with it. There's no bugs. You know, everything's just tracking along nicely. Yep. And yeah. Yeah. Aside from a couple of clients that are just like, oh, no. Just start doing that from the July 1. They'll Yeah. they'll be fine because they they were previously accountants, and they look after the the majority of this their books themselves. They're They'll be responsible fine with that. enough, but they're just Yeah. wanting They're to responsible wait till last enough. minute. Yep. But, yeah, it's good to get the clients starting early with it. And then, you know, yeah, if the it's if this is how it's affecting their super as well from when you're looking at the figures that's actually you know, that's that's a bonus. That's something they're probably not even aware of. I could sort of give them that feedback, and they'd be like, oh, yeah. Let me see how Yeah. that would Just begin. tell them that you're one of the top 5% performing clients of Oakview Financial, and part of that's due to having frequent contributions. So it's, Okay. yeah, So definitely handy.","start_word":3106,"end_word":3369,"sentiment":"neutral","sentiment_score":0.14722682535648346},{"text":"I'm good.","start_word":3370,"end_word":3371,"sentiment":"positive","sentiment_score":0.481877326965332},{"text":"But, yeah, you're right. They wouldn't really think of it. They would be just trying to make sure they hold on to the money for as long as they can before it goes in. But, again, Yeah. it's either you use it while you've got it in your bank or you use it when it's in the super being invested.","start_word":3372,"end_word":3431,"sentiment":"neutral","sentiment_score":0.07318992912769318},{"text":"Hopefully, they're getting a benefit out of it wherever it's sitting.","start_word":3432,"end_word":3442,"sentiment":"positive","sentiment_score":0.557227611541748},{"text":"Yes. Faye, there is one thing that I wanted to kind of update on your portfolio potentially, just obviously given what's going on in the world. The Australian market still it's growing okay, but it's it's a bit flat. And most of our updates to portfolios, we're just doing a little bit less in Australian shares. And the option that you do have, it's the only one that I would sort of say has underperformed a little bit, and it's actually dropped about 12%, just the Benelong investment. So Yep. if you're comfortable, what I would like to do is just look for a replacement option for that one just to get that portion of your assets going along with the rest of them. But I also want to do a bit of a rebalance because you've had such extreme growth in some options and not others, it kind of throws your portfolio out of whack over a period of time. And I just wanna kind of bring it back to the original weighting just so the asset classes are how they should be. So Yep. sort of buy low to sell high, trim a bit off the top of some of the high performers, buy into the other ones, and just even it out if that's okay. Yep. Yep. His. I'm not sure sort of what how it's how it's looking on the market, but I've obviously sort of seen some things in the news that David has been really pushing to to have oil refineries up and running back in Australia as quickly as possible, and they've already started fast tracking one in particular. Are they sort of more of a private enterprise or are they they something that that would affect the the Australian market in a Yeah. positive That's way? right.","start_word":3443,"end_word":3747,"sentiment":"neutral","sentiment_score":-0.034493804490957104},{"text":"So most of the if it involves the big miners, like the Rio Tinto's, the BHBs of the world, if they're involved in those projects, then absolutely, they'll benefit from that.","start_word":3748,"end_word":3778,"sentiment":"positive","sentiment_score":0.3920152187347412},{"text":"The one thing that we're sort of tabling with our investment committee is what what companies are gonna be most involved. And if they're sitting outside of the top 200, should we be looking at a small exposure, like an extra option mixed in to get people Yes. a bit more direct linking to that? So that's something that I'm gonna be talking to the investment committee about next week, and Mhmm. it may be mixed into your portfolio. So what I would like to do, basically, is I'll research a few replacement options for that one, Mhmm. keep it still decent proportion, and then depending on that meeting, I may mix in a couple of other options as well. And then I'll put that in a statement of advice so that we can read through it together and make sure you're comfortable before Yep. we move Yep. Okay. Yep. it. Is that okay? But yeah. Yeah.","start_word":3779,"end_word":3935,"sentiment":"neutral","sentiment_score":0.06661629676818848},{"text":"Because I I just see it as a and, you know, obviously, it's a a massive positive for Australia in the fact that they've actually been able to get started on something very quickly, you know, can only be yeah. Can be a win win for for Yeah.","start_word":3936,"end_word":3983,"sentiment":"positive","sentiment_score":0.6049606800079346},{"text":"Australia. So You're exactly right. They always call yeah. it liquid gold these days. And if you wanna if you can catch a a bit of a a headwind not a headwind. Sorry. A tailwind to push along an asset class, not an asset class, but a resource like that, it would be very handy. Yep. We don't go too crazy into trying to pick massive surges, but it does make sense to get a bit of exposure to it. Again, we're trying to keep, like, a a steady ship to that retirement goal, but we do this satellite approach where we do small portions into different sectors just to give you a little bit of a bump up.","start_word":3984,"end_word":4102,"sentiment":"neutral","sentiment_score":0.13645561515283183},{"text":"So if we can take advantage of that, we certainly will.","start_word":4103,"end_word":4113,"sentiment":"positive","sentiment_score":0.4483221769332886},{"text":"Yep. Yep. Okay. Leave that with me to research. I'll probably be going through with the team after next week's meeting some investment options. Can I just ask you for this replacement option I'm looking at? I wanna kind of bring it back in line with the pack a little bit, but I wanted to ask you between two different styles. Are you familiar with active and passive investments? Yes. Yep. Yep. Do you have a preference between going for the sort of low fee index funds versus paying that slightly higher investment fee to try and outperform the market? Do you have a preference between the two or a strong leaning? Probably the lower fees. Yep. Just Because to maximize the investment. yeah. We do have about three really good options, some passive, some active.","start_word":4114,"end_word":4249,"sentiment":"neutral","sentiment_score":0.15566137433052063},{"text":"So I'm more than happy to kind of look at replacing that Benelon option with, like, a passive ETF that'll just buy into the Australian 200 market.","start_word":4250,"end_word":4276,"sentiment":"positive","sentiment_score":0.3948216736316681},{"text":"And Mhmm. the fees for that, I think, are 0.06 percent. Very, very low because it's an ETF. Tiny little bit of brokerage for that, but I'll show you that in the statement of advice. Okay. Yep.","start_word":4277,"end_word":4313,"sentiment":"neutral","sentiment_score":0.15902264416217804},{"text":"Perfect.","start_word":4314,"end_word":4314,"sentiment":"positive","sentiment_score":0.42117974162101746},{"text":"Last two things I wanted to run by with you while I go through that update. I'm going to just base the projections on the estimated employer contributions until we get a handle of how you do the contributions personally and things like that. So I'll definitely Yeah. update that once Yep. we chat around May, June, if that's okay. Mhmm. Yeah. No problem. Your beneficiary is still listing Dion as a 100% beneficiary for the super and the insurance because when you've got Yep. the hub twenty four insurances, it combines to the one beneficiary. So I'm assuming Mhmm. you still wanna leave that in place. Yeah. Yep. Yep. And lastly, with the insurances, we did transfer across that original cover. And I'm just gonna quickly bring up the current figures for your policy. I wasn't able to get, like, a certificate of currency. Normally, I would send you one of those through. I'm gonna try and find one, Mhmm. but you have a $161,002.80 of life and disability insurance Yep. and just over 2,300 a month of income protection. Premiums are $80.29 per month. That's obviously before the 15% rebate. Your income protection was a ninety day wait and a two year benefit period. Now Yep. I know that you're kind of restricted a little bit in getting new cover or replacement cover just due to health. Are you comfortable to keep this in place? Do you want me to look at some quotes and and attempt to get something different? No. That's okay. Yep. And it will leave it as it is. Okay. So just in terms of, like, a a quick claim scenario, I'm just gonna pull up your FactFone again. Now you don't have much in the way of, like, liabilities, but, obviously, your goal is to obtain a property. So it's probably a good idea to keep the life and TPD there. So when you've got a mortgage, you can help with that as well. Yeah. And then, obviously, the income protection, it's not gonna be perfectly in line with your income because it's it's not been increased to be Yep. 70% of what you have. But, again, 2,300 a month should be helpful. Yep. Yep. No. That's fine. Cool. The only one you don't have is trauma insurance, which is like heart attack, stroke, and cancer. It's only out of pocket. But then again, public health system, family in those events, it's up to you if you want me to look for a quote for that or just leave it as the three that you have. I wouldn't mind, yeah, left looking at a card for it.","start_word":4315,"end_word":4758,"sentiment":"neutral","sentiment_score":0.06212807213468058},{"text":"Perfect.","start_word":4759,"end_word":4759,"sentiment":"positive","sentiment_score":0.6641936302185059},{"text":"When it comes to when it comes to trauma insurance, so the main ones it covers is, like, heart attack, stroke, cancer, organ failure, that kind of thing. So most of the existing health concerns so for example, we do have you on antidepressants. Right? Normally, that would cause, like, a mental health exclusion, but that doesn't really affect Yep. trauma policies because they don't Yep. they're not linked to that. They're linked to more like a diagnosis a serious diagnosis of cancer. Does that make sense? Yeah. Yep. The one that would be a bit of a concern would be the pre leukemia cells because you I believe we've got a note here that you see hematologist, and it's hereditary. Could you just tell me just a little bit more about that? Yeah. It's I'm seeing there's a hematologist every six months, so I have another blood test done prior to my appointment with him. And Yep. at the moment, it's just monitoring that nothing's changing with those cells. The the condition did I actually provide the the proper technical name for it? No. That's what I was just about Right? to ask. Oh, yep. Yep. I'll find that for you. Please.","start_word":4760,"end_word":4962,"sentiment":"neutral","sentiment_score":-0.04463634639978409},{"text":"That'll be fantastic.","start_word":4963,"end_word":4965,"sentiment":"positive","sentiment_score":0.5771550536155701},{"text":"I I never remember the name of it because it's a bit of a long one. Sorry. Just a sec while I find yeah. The the hereditary side of it, I'm not a 100% sure about now because being able to speak to my father now, his condition is another form of leukemia, but it's referred to as for short, it's CLL. His Whereas is CLO? d l l. Yeah. Whereas Yeah. mine is no. I can't. Let me find it. Where is it? State search. Is it by any chance? I'm just having a bit of a Google while you look for it. Mhmm. I'm coming up with high risk MDS, Not. Immature white blood cells in the bone marrow. I'm assuming it's not that one. Male Lottie splastic syndrome. Does that sound oh, no. That's MDS. Oh, then they've got AL was acute leukemia. MDS is familial. Mylodysplastic, which is MDS. That's the two that's coming up on the old Google there. Any of that sound familiar? No. Okay. So I finally found it. Took Oh, a while. yes. Okay. So it's known as MBL, which is mono monoclonal b cell lymphocytosis. Dear Lord.","start_word":4966,"end_word":5161,"sentiment":"neutral","sentiment_score":-0.09540164044925144},{"text":"Thank you very much for the NBL Yeah.","start_word":5162,"end_word":5169,"sentiment":"positive","sentiment_score":0.4434823989868164},{"text":"there because I can okay. Monoclonal So b cell. Yep.","start_word":5170,"end_word":5179,"sentiment":"neutral","sentiment_score":0.1762618124485016},{"text":"Perfect.","start_word":5180,"end_word":5180,"sentiment":"positive","sentiment_score":0.4563831090927124},{"text":"b cell yeah. Because So alright. What I'll do is all of the insurers, we can kind of anonymously do a pre assessment with them. mhmm. What I can basically do is I'll get the team to call hopefully today, but it's a bit of a short day and Fridays are usually hard. And we'll just sort of see if it's possible to obtain trauma cover or if there's gonna be, like, an exclusion or something. If it's possible, I'll put you up, like, a basic quote for maybe, like, a 100,000 for, like, medical costs and just sort of let you know what the pricing's like on that. Because just with age itself, you it could be anywhere between 20 to $40 a month, or it could even be with a loading over a 100 to $200 a month. Mhmm. Yep. Is there a limit that you would like me to put down for an out of pocket cost? Because I know you're saving for a house. Is there something where you would say if it's this small, that would be okay versus a hard no? Yeah. Probably like that 40 to $50 a month, hopefully. Yep. And I just wanna put that down as a bit of a guide to Yes.","start_word":5181,"end_word":5393,"sentiment":"neutral","sentiment_score":-0.029289096069168036},{"text":"the team because if if it comes up as $300 a month, I'm just gonna not even recommend it because that's far outside budget, and it's also gonna affect your ability to purchase a house.","start_word":5394,"end_word":5428,"sentiment":"negative","sentiment_score":-0.3645269572734833},{"text":"Yep. So I'll just put that in there as a bit of a tentative. When Mhmm. we go through the portfolio update, I'll have the quote there as well, and it's up to you whether you wanna sort of go ahead with it or not. I don't just get you the pricing. Yep. Yep. No worries.","start_word":5429,"end_word":5484,"sentiment":"neutral","sentiment_score":0.02149035409092903},{"text":"Perfect.","start_word":5485,"end_word":5485,"sentiment":"positive","sentiment_score":0.3706296384334564},{"text":"Alright, Faye. That's pretty much everything I needed to cover for the review. Do you have any questions for me at this point? No. Not all good. Thank you.","start_word":5486,"end_word":5514,"sentiment":"neutral","sentiment_score":0.0934787541627884},{"text":"Amazing.","start_word":5515,"end_word":5515,"sentiment":"positive","sentiment_score":0.3753513693809509},{"text":"So I'm going to shoot you through your annual review pack. It's going to include your Hub twenty four performance, excuse me, your financial services guide with our updated licensing information and our services guide, there will also be, like, the updated service agreement. So with our fees, if you're still comfortable for us to look after the super, we still charge around about 1.65% split monthly throughout the year, and then that'll fluctuate with your balance. When we get you up to 600,000, that's when it caps. Obviously, we have clients that get up to $1.02, 3,000,000, and, you know, $30 is a little bit excessive, but Mhmm. Yep. that's why we put a bit of a cap on there as well. Okay. Awesome. So I'll pop that through to your Hotmail. This will actually come through our new system, which is called OdooSign. It's very similar to, like, a DocuSign. There will be excuse me. Sorry then. I had something stuck in my throat. There'll be some attachments with the reports, like PDF attachments, like a normal email, but then there'll actually be a link to the signable documents as well. So if you have any trouble, just call the team at the office number. Yep. Yep. Okay.","start_word":5516,"end_word":5725,"sentiment":"neutral","sentiment_score":0.03981633589026474},{"text":"No problem. Awesome. I'll pop that through to you now.","start_word":5726,"end_word":5735,"sentiment":"positive","sentiment_score":0.6026498079299927},{"text":"Do you have any other questions for me before I let you go? No. No. All good.","start_word":5736,"end_word":5752,"sentiment":"neutral","sentiment_score":0.1482497751712799},{"text":"Thank you. Amazing, Faye. I wish you all the best of luck with your getting a hold of the the Pine Forest lot because that would be amazing.","start_word":5753,"end_word":5780,"sentiment":"positive","sentiment_score":0.6844123005867004},{"text":"Yep. Yep. The team will probably give you a call in a couple of weeks time just to go through this updated plan with Okay.","start_word":5781,"end_word":5805,"sentiment":"neutral","sentiment_score":0.1736150085926056},{"text":"Wonderful. me. Amazing. Have a fantastic weekend, and thank you for your You too. Thanks very much. time. Thanks, Faye.","start_word":5806,"end_word":5825,"sentiment":"positive","sentiment_score":0.7047417759895325},{"text":"Bye Bye. now. Bye.","start_word":5826,"end_word":5829,"sentiment":"neutral","sentiment_score":0.2200949490070343}],"average":{"sentiment":"neutral","sentiment_score":0.07687211986406521}}}}