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So I'm gonna pop through to your email address, this annual review pack. And while I do that, I just wanted to confirm if you remember your client password for security. That's the one. Thank you so much for that. Do you want me to put down any password prompt as a reminder in case you forget down the line, or is this one just kind of so simple that you'll never forget? Perfect. Perfect. Now just to let you know, as always, calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. Now, Belinda, that should come through yep. There should be a couple of attachments at the bottom, kind of like a normal email with PDFs. And then when you hit the sign button, it brings up the annual review pack for us to go over together just so we can have a scroll through, make sure you're comfortable. If you go through to the three attachments, I just want you to quickly look at that super and insurance summary first. Yep. So this is basically what I'm focusing on for the review. I do have the notes about your contributions, but it's basically just this is where your hub's sitting at currently, and this is that attached insurances that are left over after the income protection got canceled. So that's my focus. Is there anything in particular that you would like to get out of today's review, Belinda? Yeah. Absolutely. Bit of a high growth approach still okay for you. Yes. Yeah. So when you have the attached group cover, it combines with the one nomination for both the super and the life insurance with the same fund. So you've got the two kids split fifty fifty, Bella and Daniel. They're the beneficiaries for both the super and the life insurance. Cool. And is that still current for you? That's okay? Yeah. That's exactly right. So there's only beneficiaries for life insurance and super. The TBD, you are the life insured. So if something happens to you, you're the one who gets paid. Oh, fantastic. Fantastic question. And I just wanted to touch base with you quickly on those contributions that you made for end of financial year. So that's all come through all all good. We're just waiting for Hub to give us the confirmation letter that they've processed it with the ATO. So that's usually like it'll probably be there, like, tomorrow. So as long as you don't accidentally submit your tax return tomorrow on the July 1 before that comes through, you should be okay. Not that many people are ready to hit the button tomorrow morning, but yeah. So a bit of time left over. That'll come through very, very soon. And that's claimed both the 10,000 and the regular 500 that you've been doing. Perfect. Now yeah. It's gone up to 32 and a half next year. Okay. So I just wanted to note down four, like, updated projections in your file. Do you want me to leave it as the 500 regular still and then potential end of financial year lump sums? Perfect. There's one thing I wanted to just flag with you for the super. Can you have a look at that other attachment there? It's got the IRR performance. And just when you get that open, it should be a really big table full of 50,000,000 figures on it. Perfect. So first page is all the individual investment options we've built your portfolio out of, and the second page is the portfolio as a whole when it all is said and done. So the only thing I wanna point out here is that even though high growth is still good for you, all seven, eight options have been doing fantastic except for that one at the top, which is that Benelon option, which has kind of dragged its feet quite a bit. Overall, on page two on the very right hand side, you can see that you still cleared a 10% return after fees. So pretty much bang on the benchmark for high growth. Yep. So I'm gonna keep an eye on that Benelon option. And if next time I speak to you, it hasn't picked up its feet, I'm probably gonna just look for a replacement option and do a bit of an engine tune up. Yep. Wait. Sorry. Can you say that again? Oh, even above there. So beta bank and beta global, the one above that where it's got managed funds been along Yes. That's the one. If you look at the very right hand side, it's got performance in brackets, which means that one's going down, whereas everything below it has gone up. Yep. Cool. So I'm gonna put a flag on that one. And, again, if that doesn't kind of come back to the pack a little bit, next time we speak, we're gonna update that one. Cool. So outside of that, I did wanna ask you, with the life and TPD, it sounds like you still value keeping it there. There was a note that you might, you know, get rid of it after a period of time or a year or two. Do you want me to just kind of leave it as is for now? Yeah. It's like 40 five a month. You get a 15% rebate off of that. Not too bad. And you're in a really good asset position in terms of your I know you updated everything pretty well with Michelle, but last time we checked, you had the home, the the Airbnb business, the caravan, the vehicle, the term deposits, and everything. So it looks like you're getting very close and comfortable to the point. I did wanna ask you two questions. So because you have a lot of assets and your super is building up and and you're catching it up, how long are you expecting to be contributing and working to the super before you wanna start accessing it and just hanging up the boots? Yep. Sixty '7. Yep. Cool. So what one thing we can do then is let's say in three years' time, there is a property sale. We would basically look back the last five financial years and see how much you've got contribution caps to carry forward to kind of cap you off just before retirement. And in a lot of people's circumstances, when super is their main asset, we've reduced their risk level down so that you don't have the stock market crashing. They've got a million dollars, and next thing you know, they've got 400, and they can't afford to live. But you've got most of your assets held personally and through business. So I just wanna reflect that, normally, I would be reducing your risk level down. But if you wanna keep that growing for a few more years and it's not your main source of retirement, I'm okay with that if you are. Yep. Yeah. Yep. Perfect. So just as a bit of a reminder, the the high growth risk profile, usually, it's recommended to have at least a decade to invest into those types of risk levels unless you've got significant assets, which you do. And, basically, what I would do is when you get to your next review, we would talk through transition to retirement strategies for when you hit 60 and whether that's, you know, pull a bit of money out of super and put it back in again for that tax deductible contribution. And there's just a few extra things that we can do to boost it up in those last few years as well. So I'm gonna kind of just stagger it out a little bit in terms of the strategies that we're gonna revisit. Perfect. Outside of that, goals wise, so obviously, you've got the focus on the next few years. You've been building up your savings, con contributing to super. There's the ideal retirement, let's say, around the 67 mark, combined assets. Anything else that you're focusing on for the next one to three years? Yep. Perfect. So for the term deposits, I think you had a 150 and one and 40 in the other. Do you know roughly what they're sitting at now? Thank you. Appreciate that. $1.60. Yep. So it's just in high interest savings at the moment. K. Would that be A 100 and that one. Thank you. Alright. So I updated those two. Look. Savings rates are really good at the moment. I can I know most of the banks are hitting that 5% or above? It's not really Yeah. Who are you with? Oh, yeah. Okay. They're pretty good for it. Look. A lot of people asked me five, ten years ago what you know, how to get higher interest and invest money because the banks were paying zero to 2% at the time. But, realistically, if you're getting five and a half and the stock market's not really looking like it's gonna get anything between seven and nine as an average, there's really no point taking on risk and looking at other types of investments, I think, at this point, especially if you need to access the funds and you prefer to keep it safe and growing. So I just wanted to ask the question if you wanted investment advice or were you happy to leave it in those two structures? Yeah. So it's anywhere between 10 and 50. Yeah. Alright. That's what I'm thinking. It gives you that you're almost creating your own bucket strategy five years ahead of time where you've got here's this much in cash. This is in some fixed interest locked away term deposit. Then you've got the super and the investment property as your more longer term growth assets, and you kind of split it into the three. You've got something for twelve months, something for one to three years, and something for everything after that and longer term. So just rebuilding this bucket strategy is gonna be the best for you, especially by the time you do hit 67. Preempting it's a great idea. Cool. So outside of that, we're basically gonna come back to a few step approach. 60, we'll look at TTRs. 63, we'll look at property. 67, we'll look at pension and Centrelink and and full retirement. Outside of that, the only other question I had was just around estate planning. Because your beneficiary's in place, did you have the will in place enough to date? Yep. Yeah. Sensational. Do you remember if you put in place, like, a power of attorney when you did the? Will? Okay. So that's probably one I would remind you to tick off on, especially if you update the will next year is just having that trusted person who can talk to the doctors, access the bank accounts, keep things getting paid and moving for you if you're in a coma or something. Yeah. So in Queensland, it's both combined. I'm gonna quickly check for South Australia. Does South Australia split medical and financial power of attorney? Because alright. I'll I'll double check the states there, but sometimes you can do one that covers both for the state, but it is dependent on state law whether you have to have the medical or financial or both. But it's worth just you know, you look at the trustee website online for South Australia. And if you bear with me for a moment, I can figure that out for you. Just while I'm doing that, I just wanna let you know what's come through in that email pack that you're going through currently just while I get this information. We update our financial services guide every year, so licensing information and things like that. In addition to that, we're going to be updating our fee structure next year to incorporate a tiered fee structure. So what normally happens with us is you've got that 1.65%. And once you hit a cap level of 600,000, it kind of flatlines. But what we're doing next year is when you're above 200,000, we're gonna start stepping people down with fee discounts for every couple of 100 thousand after that. Okay? So it'll give you some benefit when you hit that level, which you're you'll be getting close to with your contribution. So whether it's twelve, twenty four months, you will probably start to benefit to that as we transition you into those pension strategies I was talking about. Yeah. Max growth on the 20 30, so 24 month monthly. Here it is. So I did remember this. The South Australia has an enduring power of attorney for financial and legal, and for health, it's an advanced care directive. Yeah. So if they split it, financial and legal is enduring power of attorney. Advanced care directive is the who can talk to the doctors and medical treatment, accommodation, aged care, all that kind of thing. Perfect. I'll make a few notes on file. So if you ever call up and ask any questions about it, the team can see that in your state, it's kind of like will power of attorney events care directive. And that way, I've just attached that note to your profile. Alright. Outside of that, Belinda, any questions for me so far? K. Are you still paying yourself about 45 in terms of the wages from the business? Yep. Yep. Easy done. That's pretty much it. So I'll leave that annual review pack with you if you're comfortable with everything as it is. I've put a few flags in there to look at that investment next time we speak, look at some other contribution and pension strategies after that. Property at 63, retirement at 67, and Centrelink, and keep the insurances going, update the estate plan, and it should be good to go. Oh, and the renovations. And if you get yeah. And would you prefer that to be just a usual twelve month review? Would you want me to pencil something in a little bit earlier? Cool. When you get a bit closer to that pension age, we're pretty much gonna be doing, like, a a revolving analysis to see how you're looking Centrelink wise, what you can and can't access. And if there is a few strategies to shuffle things around, I'll go through that with you as well. Yeah. Yeah. No. That's amazing. What I'll do is I'll put in a reminder for the team towards the end of May just to start reaching out to book something in. And then that way, we've got enough time to find a time to speak, go through the ideas and strategies and advice together. Amazing. Well, any questions for me before I let you go? Awesome. Again, keep an eye out for that notice of intent to claim confirmation. As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return. Yeah. That's right. So that confirmation basically says, here's what went in. Here's what is getting claimed. And that information, they can just feed directly into the return and say, okay. It's the 10 and the six or fifteen, sixteen, and they can just plug that in as they do the tax return. So it's the handiest thing to bring with you. It's like a one pager. Awesome. Well, now look, thank you so much for taking the time. I've put a bit of a reminder in to check that tomorrow. But if you need anything else in between, just give us a call. You too, brother. Thank you so much. 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Belinda. It is Tommy again. How are you going? Great to hear. Great to hear.\n\nHave you got a bit of time now? Is now a good time for you? Fantastic. So I'm gonna pop through to your email address, this annual review pack. And while I do that, I just wanted to confirm if you remember your client password for security.\n\nThat's the one. Thank you so much for that. Do you want me to put down any password prompt as a reminder in case you forget down the line, or is this one just kind of so simple that you'll never forget? Perfect. Perfect.\n\nNow just to let you know, as always, calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. Now, Belinda, that should come through yep. There should be a couple of attachments at the bottom, kind of like a normal email with PDFs. And then when you hit the sign button, it brings up the annual review pack for us to go over together just so we can have a scroll through, make sure you're comfortable. If you go through to the three attachments, I just want you to quickly look at that super and insurance summary first.\n\nYep. So this is basically what I'm focusing on for the review. I do have the notes about your contributions, but it's basically just this is where your hub's sitting at currently, and this is that attached insurances that are left over after the income protection got canceled. So that's my focus. Is there anything in particular that you would like to get out of today's review, Belinda?\n\nYeah. Absolutely. Bit of a high growth approach still okay for you. Yes. Yeah.\n\nSo when you have the attached group cover, it combines with the one nomination for both the super and the life insurance with the same fund. So you've got the two kids split fifty fifty, Bella and Daniel. They're the beneficiaries for both the super and the life insurance. Cool. And is that still current for you?\n\nThat's okay? Yeah. That's exactly right. So there's only beneficiaries for life insurance and super. The TBD, you are the life insured.\n\nSo if something happens to you, you're the one who gets paid. Oh, fantastic. Fantastic question. And I just wanted to touch base with you quickly on those contributions that you made for end of financial year. So that's all come through all all good.\n\nWe're just waiting for Hub to give us the confirmation letter that they've processed it with the ATO. So that's usually like it'll probably be there, like, tomorrow. So as long as you don't accidentally submit your tax return tomorrow on the July 1 before that comes through, you should be okay. Not that many people are ready to hit the button tomorrow morning, but yeah. So a bit of time left over.\n\nThat'll come through very, very soon. And that's claimed both the 10,000 and the regular 500 that you've been doing. Perfect. Now yeah. It's gone up to 32 and a half next year.\n\nOkay. So I just wanted to note down four, like, updated projections in your file. Do you want me to leave it as the 500 regular still and then potential end of financial year lump sums? Perfect. There's one thing I wanted to just flag with you for the super.\n\nCan you have a look at that other attachment there? It's got the IRR performance. And just when you get that open, it should be a really big table full of 50,000,000 figures on it. Perfect. So first page is all the individual investment options we've built your portfolio out of, and the second page is the portfolio as a whole when it all is said and done.\n\nSo the only thing I wanna point out here is that even though high growth is still good for you, all seven, eight options have been doing fantastic except for that one at the top, which is that Benelon option, which has kind of dragged its feet quite a bit. Overall, on page two on the very right hand side, you can see that you still cleared a 10% return after fees. So pretty much bang on the benchmark for high growth. Yep. So I'm gonna keep an eye on that Benelon option.\n\nAnd if next time I speak to you, it hasn't picked up its feet, I'm probably gonna just look for a replacement option and do a bit of an engine tune up. Yep. Wait. Sorry. Can you say that again?\n\nOh, even above there. So beta bank and beta global, the one above that where it's got managed funds been along Yes. That's the one. If you look at the very right hand side, it's got performance in brackets, which means that one's going down, whereas everything below it has gone up. Yep.\n\nCool. So I'm gonna put a flag on that one. And, again, if that doesn't kind of come back to the pack a little bit, next time we speak, we're gonna update that one. Cool. So outside of that, I did wanna ask you, with the life and TPD, it sounds like you still value keeping it there.\n\nThere was a note that you might, you know, get rid of it after a period of time or a year or two. Do you want me to just kind of leave it as is for now? Yeah. It's like 40 five a month. You get a 15% rebate off of that.\n\nNot too bad. And you're in a really good asset position in terms of your I know you updated everything pretty well with Michelle, but last time we checked, you had the home, the the Airbnb business, the caravan, the vehicle, the term deposits, and everything. So it looks like you're getting very close and comfortable to the point. I did wanna ask you two questions. So because you have a lot of assets and your super is building up and and you're catching it up, how long are you expecting to be contributing and working to the super before you wanna start accessing it and just hanging up the boots?\n\nYep. Sixty '7. Yep. Cool. So what one thing we can do then is let's say in three years' time, there is a property sale.\n\nWe would basically look back the last five financial years and see how much you've got contribution caps to carry forward to kind of cap you off just before retirement. And in a lot of people's circumstances, when super is their main asset, we've reduced their risk level down so that you don't have the stock market crashing. They've got a million dollars, and next thing you know, they've got 400, and they can't afford to live. But you've got most of your assets held personally and through business. So I just wanna reflect that, normally, I would be reducing your risk level down.\n\nBut if you wanna keep that growing for a few more years and it's not your main source of retirement, I'm okay with that if you are. Yep. Yeah. Yep. Perfect.\n\nSo just as a bit of a reminder, the the high growth risk profile, usually, it's recommended to have at least a decade to invest into those types of risk levels unless you've got significant assets, which you do. And, basically, what I would do is when you get to your next review, we would talk through transition to retirement strategies for when you hit 60 and whether that's, you know, pull a bit of money out of super and put it back in again for that tax deductible contribution. And there's just a few extra things that we can do to boost it up in those last few years as well. So I'm gonna kind of just stagger it out a little bit in terms of the strategies that we're gonna revisit. Perfect.\n\nOutside of that, goals wise, so obviously, you've got the focus on the next few years. You've been building up your savings, con contributing to super. There's the ideal retirement, let's say, around the 67 mark, combined assets. Anything else that you're focusing on for the next one to three years? Yep.\n\nPerfect. So for the term deposits, I think you had a 150 and one and 40 in the other. Do you know roughly what they're sitting at now? Thank you. Appreciate that.\n\n$1.60. Yep. So it's just in high interest savings at the moment. K. Would that be A 100 and that one.\n\nThank you. Alright. So I updated those two. Look. Savings rates are really good at the moment.\n\nI can I know most of the banks are hitting that 5% or above? It's not really Yeah. Who are you with? Oh, yeah. Okay.\n\nThey're pretty good for it. Look. A lot of people asked me five, ten years ago what you know, how to get higher interest and invest money because the banks were paying zero to 2% at the time. But, realistically, if you're getting five and a half and the stock market's not really looking like it's gonna get anything between seven and nine as an average, there's really no point taking on risk and looking at other types of investments, I think, at this point, especially if you need to access the funds and you prefer to keep it safe and growing. So I just wanted to ask the question if you wanted investment advice or were you happy to leave it in those two structures?\n\nYeah. So it's anywhere between 10 and 50. Yeah. Alright. That's what I'm thinking.\n\nIt gives you that you're almost creating your own bucket strategy five years ahead of time where you've got here's this much in cash. This is in some fixed interest locked away term deposit. Then you've got the super and the investment property as your more longer term growth assets, and you kind of split it into the three. You've got something for twelve months, something for one to three years, and something for everything after that and longer term. So just rebuilding this bucket strategy is gonna be the best for you, especially by the time you do hit 67.\n\nPreempting it's a great idea. Cool. So outside of that, we're basically gonna come back to a few step approach. 60, we'll look at TTRs. 63, we'll look at property.\n\n67, we'll look at pension and Centrelink and and full retirement. Outside of that, the only other question I had was just around estate planning. Because your beneficiary's in place, did you have the will in place enough to date? Yep. Yeah.\n\nSensational. Do you remember if you put in place, like, a power of attorney when you did the? Will? Okay. So that's probably one I would remind you to tick off on, especially if you update the will next year is just having that trusted person who can talk to the doctors, access the bank accounts, keep things getting paid and moving for you if you're in a coma or something.\n\nYeah. So in Queensland, it's both combined. I'm gonna quickly check for South Australia. Does South Australia split medical and financial power of attorney? Because alright.\n\nI'll I'll double check the states there, but sometimes you can do one that covers both for the state, but it is dependent on state law whether you have to have the medical or financial or both. But it's worth just you know, you look at the trustee website online for South Australia. And if you bear with me for a moment, I can figure that out for you. Just while I'm doing that, I just wanna let you know what's come through in that email pack that you're going through currently just while I get this information. We update our financial services guide every year, so licensing information and things like that.\n\nIn addition to that, we're going to be updating our fee structure next year to incorporate a tiered fee structure. So what normally happens with us is you've got that 1.65%. And once you hit a cap level of 600,000, it kind of flatlines. But what we're doing next year is when you're above 200,000, we're gonna start stepping people down with fee discounts for every couple of 100 thousand after that. Okay?\n\nSo it'll give you some benefit when you hit that level, which you're you'll be getting close to with your contribution. So whether it's twelve, twenty four months, you will probably start to benefit to that as we transition you into those pension strategies I was talking about. Yeah. Max growth on the 20 30, so 24 month monthly. Here it is.\n\nSo I did remember this. The South Australia has an enduring power of attorney for financial and legal, and for health, it's an advanced care directive. Yeah. So if they split it, financial and legal is enduring power of attorney. Advanced care directive is the who can talk to the doctors and medical treatment, accommodation, aged care, all that kind of thing.\n\nPerfect. I'll make a few notes on file. So if you ever call up and ask any questions about it, the team can see that in your state, it's kind of like will power of attorney events care directive. And that way, I've just attached that note to your profile. Alright.\n\nOutside of that, Belinda, any questions for me so far? K. Are you still paying yourself about 45 in terms of the wages from the business? Yep. Yep.\n\nEasy done. That's pretty much it. So I'll leave that annual review pack with you if you're comfortable with everything as it is. I've put a few flags in there to look at that investment next time we speak, look at some other contribution and pension strategies after that. Property at 63, retirement at 67, and Centrelink, and keep the insurances going, update the estate plan, and it should be good to go.\n\nOh, and the renovations. And if you get yeah. And would you prefer that to be just a usual twelve month review? Would you want me to pencil something in a little bit earlier? Cool.\n\nWhen you get a bit closer to that pension age, we're pretty much gonna be doing, like, a a revolving analysis to see how you're looking Centrelink wise, what you can and can't access. And if there is a few strategies to shuffle things around, I'll go through that with you as well. Yeah. Yeah. No.\n\nThat's amazing. What I'll do is I'll put in a reminder for the team towards the end of May just to start reaching out to book something in. And then that way, we've got enough time to find a time to speak, go through the ideas and strategies and advice together. Amazing. Well, any questions for me before I let you go?\n\nAwesome. Again, keep an eye out for that notice of intent to claim confirmation. As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return. Yeah. That's right.\n\nSo that confirmation basically says, here's what went in. Here's what is getting claimed. And that information, they can just feed directly into the return and say, okay. It's the 10 and the six or fifteen, sixteen, and they can just plug that in as they do the tax return. So it's the handiest thing to bring with you.\n\nIt's like a one pager. Awesome. Well, now look, thank you so much for taking the time. I've put a bit of a reminder in to check that tomorrow. But if you need anything else in between, just give us a call.\n\nYou too, brother. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Belinda.","start":1.92,"end":2.72,"sentiment":"neutral","sentiment_score":0.08260826393961906},{"text":"It is Tommy again.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.09166895225644112},{"text":"How are you going?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.14174292981624603},{"text":"Great to hear.","start":7.12,"end":7.7599998,"sentiment":"positive","sentiment_score":0.705984632174174},{"text":"Great to hear.","start":7.7599998,"end":8.32,"sentiment":"positive","sentiment_score":0.602560798327128}],"sentiment":"neutral","sentiment_score":0.3140312717296183,"num_words":16,"start":1.92,"end":8.32},{"sentences":[{"text":"Have you got a bit of time now?","start":8.32,"end":10.16,"sentiment":"neutral","sentiment_score":0.2054345216602087},{"text":"Is now a good time for you?","start":10.16,"end":11.78,"sentiment":"neutral","sentiment_score":0.24192809419972555},{"text":"Fantastic.","start":13.215,"end":13.715,"sentiment":"positive","sentiment_score":0.6068490743637085},{"text":"So I'm gonna pop through to your email address, this annual review pack.","start":14.015,"end":18.835,"sentiment":"positive","sentiment_score":0.34316142247273373},{"text":"And while I do that, I just wanted to confirm if you remember your client password for security.","start":19.215,"end":25.475,"sentiment":"neutral","sentiment_score":0.10745171995626555}],"sentiment":"neutral","sentiment_score":0.21997981613620798,"num_words":47,"start":8.32,"end":25.475},{"sentences":[{"text":"That's the one.","start":28.79,"end":29.51,"sentiment":"neutral","sentiment_score":0.2248545984427134},{"text":"Thank you so much for that.","start":29.51,"end":30.89,"sentiment":"positive","sentiment_score":0.6457544366518656},{"text":"Do you want me to put down any password prompt as a reminder in case you forget down the line, or is this one just kind of so simple that you'll never forget?","start":31.27,"end":39.77,"sentiment":"neutral","sentiment_score":0.09196316270214139},{"text":"Perfect.","start":42.175,"end":42.655,"sentiment":"positive","sentiment_score":0.5010105967521667},{"text":"Perfect.","start":42.655,"end":43.135,"sentiment":"positive","sentiment_score":0.4405507445335388}],"sentiment":"neutral","sentiment_score":0.19375991194762968,"num_words":44,"start":28.79,"end":43.135},{"sentences":[{"text":"Now just to let you know, as always, calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105.","start":43.135,"end":53.235,"sentiment":"neutral","sentiment_score":0.12006128299981356},{"text":"Now, Belinda, that should come through yep.","start":55.17,"end":57.67,"sentiment":"neutral","sentiment_score":0.07089159957000188},{"text":"There should be a couple of attachments at the bottom, kind of like a normal email with PDFs.","start":58.93,"end":63.59,"sentiment":"neutral","sentiment_score":0.052666849456727505},{"text":"And then when you hit the sign button, it brings up the annual review pack for us to go over together just so we can have a scroll through, make sure you're comfortable.","start":63.89,"end":72.825,"sentiment":"neutral","sentiment_score":0.07574930064605945},{"text":"If you go through to the three attachments, I just want you to quickly look at that super and insurance summary first.","start":76.645004,"end":81.865,"sentiment":"neutral","sentiment_score":0.06001688201319088}],"sentiment":"neutral","sentiment_score":0.0783251308155461,"num_words":104,"start":43.135,"end":81.865},{"sentences":[{"text":"Yep.","start":84.579994,"end":85.06,"sentiment":"neutral","sentiment_score":0.03765685111284256},{"text":"So this is basically what I'm focusing on for the review.","start":85.06,"end":88.02,"sentiment":"neutral","sentiment_score":0.04535082998600873},{"text":"I do have the notes about your contributions, but it's basically just this is where your hub's sitting at currently, and this is that attached insurances that are left over after the income protection got canceled.","start":88.02,"end":99.795,"sentiment":"neutral","sentiment_score":-0.0027850476197070545},{"text":"So that's my focus.","start":100.095,"end":101.634995,"sentiment":"neutral","sentiment_score":0.05919750314205885},{"text":"Is there anything in particular that you would like to get out of today's review, Belinda?","start":102.335,"end":106.195,"sentiment":"neutral","sentiment_score":0.05164062255062163}],"sentiment":"neutral","sentiment_score":0.022048444706289208,"num_words":68,"start":84.579994,"end":106.195},{"sentences":[{"text":"Yeah.","start":127.405,"end":127.725,"sentiment":"neutral","sentiment_score":0.11624333262443542},{"text":"Absolutely.","start":127.725,"end":128.225,"sentiment":"neutral","sentiment_score":0.2877485752105713},{"text":"Bit of a high growth approach still okay for you.","start":128.605,"end":131.425,"sentiment":"neutral","sentiment_score":0.2836717084050179},{"text":"Yes.","start":144.14,"end":144.46,"sentiment":"neutral","sentiment_score":0.045179061591625214},{"text":"Yeah.","start":144.46,"end":144.94,"sentiment":"neutral","sentiment_score":0.04806755110621452}],"sentiment":"neutral","sentiment_score":0.23813968604164465,"num_words":14,"start":127.405,"end":144.94},{"sentences":[{"text":"So when you have the attached group cover, it combines with the one nomination for both the super and the life insurance with the same fund.","start":144.94,"end":153.645,"sentiment":"neutral","sentiment_score":0.05570159995785126},{"text":"So you've got the two kids split fifty fifty, Bella and Daniel.","start":154.185,"end":158.205,"sentiment":"neutral","sentiment_score":0.05560140870511532},{"text":"They're the beneficiaries for both the super and the life insurance.","start":158.505,"end":161.405,"sentiment":"neutral","sentiment_score":0.04771672290834514},{"text":"Cool.","start":164.42,"end":164.73999,"sentiment":"neutral","sentiment_score":0.243564173579216},{"text":"And is that still current for you?","start":164.73999,"end":166.42,"sentiment":"neutral","sentiment_score":0.0773375928401947}],"sentiment":"neutral","sentiment_score":0.06009245225996302,"num_words":57,"start":144.94,"end":166.42},{"sentences":[{"text":"That's okay?","start":166.42,"end":167.23999,"sentiment":"neutral","sentiment_score":0.0806063674390316},{"text":"Yeah.","start":179.555,"end":179.795,"sentiment":"neutral","sentiment_score":0.01316078007221222},{"text":"That's exactly right.","start":179.795,"end":180.75499,"sentiment":"neutral","sentiment_score":0.0708701362212499},{"text":"So there's only beneficiaries for life insurance and super.","start":180.75499,"end":184.295,"sentiment":"neutral","sentiment_score":0.030484445600046053},{"text":"The TBD, you are the life insured.","start":184.515,"end":186.855,"sentiment":"neutral","sentiment_score":0.027537753539425985}],"sentiment":"neutral","sentiment_score":0.03882310039956461,"num_words":22,"start":166.42,"end":186.855},{"sentences":[{"text":"So if something happens to you, you're the one who gets paid.","start":187.155,"end":195.68999,"sentiment":"neutral","sentiment_score":0.025410677772015333},{"text":"Oh, fantastic.","start":197.06999,"end":197.89,"sentiment":"positive","sentiment_score":0.41891632974147797},{"text":"Fantastic question.","start":198.11,"end":199.17,"sentiment":"positive","sentiment_score":0.4976208209991455},{"text":"And I just wanted to touch base with you quickly on those contributions that you made for end of financial year.","start":199.39,"end":206.165,"sentiment":"neutral","sentiment_score":0.30857584802877336},{"text":"So that's all come through all all good.","start":207.665,"end":210.065,"sentiment":"positive","sentiment_score":0.45559680461883545}],"sentiment":"neutral","sentiment_score":0.27250821511778567,"num_words":45,"start":187.155,"end":210.065},{"sentences":[{"text":"We're just waiting for Hub to give us the confirmation letter that they've processed it with the ATO.","start":210.065,"end":215.925,"sentiment":"neutral","sentiment_score":0.2652026406592793},{"text":"So that's usually like it'll probably be there, like, tomorrow.","start":216.785,"end":220.62,"sentiment":"neutral","sentiment_score":0.12974064350128173},{"text":"So as long as you don't accidentally submit your tax return tomorrow on the July 1 before that comes through, you should be okay.","start":220.92,"end":227.42,"sentiment":"neutral","sentiment_score":0.19501260264466205},{"text":"Not that many people are ready to hit the button tomorrow morning, but yeah.","start":227.88,"end":236.705,"sentiment":"neutral","sentiment_score":0.002484401022749288},{"text":"So a bit of time left over.","start":236.705,"end":238.065,"sentiment":"neutral","sentiment_score":0.05020621206079211}],"sentiment":"neutral","sentiment_score":0.15256960998761326,"num_words":73,"start":210.065,"end":238.065},{"sentences":[{"text":"That'll come through very, very soon.","start":238.065,"end":239.845,"sentiment":"neutral","sentiment_score":0.08366784701744716},{"text":"And that's claimed both the 10,000 and the regular 500 that you've been doing.","start":240.30501,"end":244.8,"sentiment":"neutral","sentiment_score":0.08006873700235571},{"text":"Perfect.","start":247.04001,"end":247.54001,"sentiment":"positive","sentiment_score":0.40138792991638184},{"text":"Now yeah.","start":247.6,"end":252.96,"sentiment":"neutral","sentiment_score":0.07781712431460619},{"text":"It's gone up to 32 and a half next year.","start":252.96,"end":255.54001,"sentiment":"neutral","sentiment_score":0.017136243265122177}],"sentiment":"neutral","sentiment_score":0.07125315185862058,"num_words":33,"start":238.065,"end":255.54001},{"sentences":[{"text":"Okay.","start":257.375,"end":257.875,"sentiment":"neutral","sentiment_score":0.053247228264808655},{"text":"So I just wanted to note down four, like, updated projections in your file.","start":258.015,"end":263.295,"sentiment":"neutral","sentiment_score":0.055449002023254125},{"text":"Do you want me to leave it as the 500 regular still and then potential end of financial year lump sums?","start":263.295,"end":269.715,"sentiment":"neutral","sentiment_score":0.024926539200047653},{"text":"Perfect.","start":272.03,"end":272.53,"sentiment":"neutral","sentiment_score":0.2571990489959717},{"text":"There's one thing I wanted to just flag with you for the super.","start":273.39,"end":276.69,"sentiment":"neutral","sentiment_score":0.05764959122125919}],"sentiment":"neutral","sentiment_score":0.047192686293274166,"num_words":50,"start":257.375,"end":276.69},{"sentences":[{"text":"Can you have a look at that other attachment there?","start":276.91,"end":278.67,"sentiment":"neutral","sentiment_score":0.03958660885691643},{"text":"It's got the IRR performance.","start":278.67,"end":281.01,"sentiment":"neutral","sentiment_score":0.041592955589294434},{"text":"And just when you get that open, it should be a really big table full of 50,000,000 figures on it.","start":287.295,"end":293.39502,"sentiment":"neutral","sentiment_score":0.09949455186724662},{"text":"Perfect.","start":293.855,"end":294.355,"sentiment":"neutral","sentiment_score":0.2131001353263855},{"text":"So first page is all the individual investment options we've built your portfolio out of, and the second page is the portfolio as a whole when it all is said and done.","start":294.415,"end":304.52,"sentiment":"neutral","sentiment_score":0.11921417410485446}],"sentiment":"neutral","sentiment_score":0.09737758250797496,"num_words":68,"start":276.91,"end":304.52},{"sentences":[{"text":"So the only thing I wanna point out here is that even though high growth is still good for you, all seven, eight options have been doing fantastic except for that one at the top, which is that Benelon option, which has kind of dragged its feet quite a bit.","start":305.22,"end":318.94498,"sentiment":"neutral","sentiment_score":-0.14859954237937928},{"text":"Overall, on page two on the very right hand side, you can see that you still cleared a 10% return after fees.","start":320.04498,"end":327.05,"sentiment":"neutral","sentiment_score":0.15562382983890446},{"text":"So pretty much bang on the benchmark for high growth.","start":327.27,"end":330.41,"sentiment":"neutral","sentiment_score":0.020318857207894326},{"text":"Yep.","start":333.59,"end":333.99,"sentiment":"neutral","sentiment_score":0.25388023257255554},{"text":"So I'm gonna keep an eye on that Benelon option.","start":333.99,"end":337.27,"sentiment":"neutral","sentiment_score":0.22328841015696527}],"sentiment":"neutral","sentiment_score":-0.014153762970880796,"num_words":93,"start":305.22,"end":337.27},{"sentences":[{"text":"And if next time I speak to you, it hasn't picked up its feet, I'm probably gonna just look for a replacement option and do a bit of an engine tune up.","start":337.27,"end":344.51498,"sentiment":"neutral","sentiment_score":-0.005827771179610863},{"text":"Yep.","start":346.255,"end":346.755,"sentiment":"neutral","sentiment_score":0.01357509009540081},{"text":"Wait.","start":350.735,"end":350.895,"sentiment":"neutral","sentiment_score":-0.007629384286701679},{"text":"Sorry.","start":350.895,"end":351.135,"sentiment":"neutral","sentiment_score":-0.04120351746678352},{"text":"Can you say that again?","start":351.135,"end":352.26,"sentiment":"neutral","sentiment_score":-0.02606559544801712}],"sentiment":"neutral","sentiment_score":-0.00880186166614294,"num_words":40,"start":337.27,"end":352.26},{"sentences":[{"text":"Oh, even above there.","start":354.98,"end":356.34,"sentiment":"neutral","sentiment_score":-0.02446521306410432},{"text":"So beta bank and beta global, the one above that where it's got managed funds been along Yes.","start":356.34,"end":363.46002,"sentiment":"neutral","sentiment_score":0.01660023940106233},{"text":"That's the one.","start":363.54,"end":364.1,"sentiment":"neutral","sentiment_score":0.05195816978812218},{"text":"If you look at the very right hand side, it's got performance in brackets, which means that one's going down, whereas everything below it has gone up.","start":364.1,"end":371.065,"sentiment":"neutral","sentiment_score":-0.04290104091719345},{"text":"Yep.","start":372.16498,"end":372.66498,"sentiment":"neutral","sentiment_score":0.0706915333867073}],"sentiment":"neutral","sentiment_score":-0.013789030283970653,"num_words":53,"start":354.98,"end":372.66498},{"sentences":[{"text":"Cool.","start":373.60498,"end":373.925,"sentiment":"positive","sentiment_score":0.3543015718460083},{"text":"So I'm gonna put a flag on that one.","start":373.925,"end":375.60498,"sentiment":"neutral","sentiment_score":0.18424695399072435},{"text":"And, again, if that doesn't kind of come back to the pack a little bit, next time we speak, we're gonna update that one.","start":375.60498,"end":381.87,"sentiment":"neutral","sentiment_score":0.06270704408234451},{"text":"Cool.","start":384.11,"end":384.61,"sentiment":"positive","sentiment_score":0.5925712585449219},{"text":"So outside of that, I did wanna ask you, with the life and TPD, it sounds like you still value keeping it there.","start":384.91,"end":390.75,"sentiment":"neutral","sentiment_score":0.24601635401663574}],"sentiment":"neutral","sentiment_score":0.1684213899425231,"num_words":58,"start":373.60498,"end":390.75},{"sentences":[{"text":"There was a note that you might, you know, get rid of it after a period of time or a year or two.","start":390.75,"end":395.15,"sentiment":"neutral","sentiment_score":-0.08880282420179118},{"text":"Do you want me to just kind of leave it as is for now?","start":395.15,"end":397.455,"sentiment":"neutral","sentiment_score":-0.03953501635364124},{"text":"Yeah.","start":405.455,"end":405.615,"sentiment":"neutral","sentiment_score":0.08124709129333496},{"text":"It's like 40 five a month.","start":405.615,"end":407.055,"sentiment":"neutral","sentiment_score":0.10280010104179382},{"text":"You get a 15% rebate off of that.","start":407.055,"end":409.47498,"sentiment":"neutral","sentiment_score":0.30136396549642086}],"sentiment":"neutral","sentiment_score":0.009865466075447889,"num_words":52,"start":390.75,"end":409.47498},{"sentences":[{"text":"Not too bad.","start":410.56,"end":411.6,"sentiment":"neutral","sentiment_score":0.22417924491067728},{"text":"And you're in a really good asset position in terms of your I know you updated everything pretty well with Michelle, but last time we checked, you had the home, the the Airbnb business, the caravan, the vehicle, the term deposits, and everything.","start":411.6,"end":425.595,"sentiment":"positive","sentiment_score":0.41490423194197723},{"text":"So it looks like you're getting very close and comfortable to the point.","start":425.915,"end":430.495,"sentiment":"positive","sentiment_score":0.6435619478042309},{"text":"I did wanna ask you two questions.","start":430.715,"end":432.575,"sentiment":"neutral","sentiment_score":0.07177941235048431},{"text":"So because you have a lot of assets and your super is building up and and you're catching it up, how long are you expecting to be contributing and working to the super before you wanna start accessing it and just hanging up the boots?","start":433.915,"end":448.56,"sentiment":"neutral","sentiment_score":0.07398200333118439}],"sentiment":"neutral","sentiment_score":0.2766790186130517,"num_words":111,"start":410.56,"end":448.56},{"sentences":[{"text":"Yep.","start":473.13,"end":473.63,"sentiment":"neutral","sentiment_score":-0.00253967079333961},{"text":"Sixty '7.","start":475.61002,"end":476.51,"sentiment":"neutral","sentiment_score":-0.009077035589143634},{"text":"Yep.","start":503.895,"end":504.395,"sentiment":"neutral","sentiment_score":0.05851249024271965},{"text":"Cool.","start":518.79,"end":519.19,"sentiment":"neutral","sentiment_score":0.29202568531036377},{"text":"So what one thing we can do then is let's say in three years' time, there is a property sale.","start":519.19,"end":524.925,"sentiment":"neutral","sentiment_score":0.12693307176232338}],"sentiment":"neutral","sentiment_score":0.11474023475311697,"num_words":25,"start":473.13,"end":524.925},{"sentences":[{"text":"We would basically look back the last five financial years and see how much you've got contribution caps to carry forward to kind of cap you off just before retirement.","start":525.08496,"end":533.425,"sentiment":"neutral","sentiment_score":0.10583503718177477},{"text":"And in a lot of people's circumstances, when super is their main asset, we've reduced their risk level down so that you don't have the stock market crashing.","start":533.885,"end":541.76,"sentiment":"neutral","sentiment_score":0.12144441955855914},{"text":"They've got a million dollars, and next thing you know, they've got 400, and they can't afford to live.","start":541.98004,"end":547.52,"sentiment":"neutral","sentiment_score":0.02759224774413987},{"text":"But you've got most of your assets held personally and through business.","start":547.66003,"end":550.96,"sentiment":"neutral","sentiment_score":0.016227579675614834},{"text":"So I just wanna reflect that, normally, I would be reducing your risk level down.","start":551.26,"end":555.395,"sentiment":"neutral","sentiment_score":0.022626809775829315}],"sentiment":"neutral","sentiment_score":0.07340269877861899,"num_words":104,"start":525.08496,"end":555.395},{"sentences":[{"text":"But if you wanna keep that growing for a few more years and it's not your main source of retirement, I'm okay with that if you are.","start":555.395,"end":562.375,"sentiment":"neutral","sentiment_score":0.16113909775460208},{"text":"Yep.","start":570.29004,"end":570.79004,"sentiment":"neutral","sentiment_score":0.19603347778320312},{"text":"Yeah.","start":589.12,"end":589.62,"sentiment":"neutral","sentiment_score":0.1690252721309662},{"text":"Yep.","start":607.775,"end":607.935,"sentiment":"neutral","sentiment_score":0.29774796962738037},{"text":"Perfect.","start":607.935,"end":608.435,"sentiment":"positive","sentiment_score":0.5053884983062744}],"sentiment":"neutral","sentiment_score":0.17803067281361548,"num_words":31,"start":555.395,"end":608.435},{"sentences":[{"text":"So just as a bit of a reminder, the the high growth risk profile, usually, it's recommended to have at least a decade to invest into those types of risk levels unless you've got significant assets, which you do.","start":608.495,"end":620.05,"sentiment":"neutral","sentiment_score":0.08797749151022007},{"text":"And, basically, what I would do is when you get to your next review, we would talk through transition to retirement strategies for when you hit 60 and whether that's, you know, pull a bit of money out of super and put it back in again for that tax deductible contribution.","start":620.27,"end":635.645,"sentiment":"neutral","sentiment_score":0.17631176318608077},{"text":"And there's just a few extra things that we can do to boost it up in those last few years as well.","start":635.865,"end":640.185,"sentiment":"neutral","sentiment_score":0.25276119397445157},{"text":"So I'm gonna kind of just stagger it out a little bit in terms of the strategies that we're gonna revisit.","start":640.185,"end":645.02997,"sentiment":"neutral","sentiment_score":0.1328456121541205},{"text":"Perfect.","start":647.73,"end":648.23,"sentiment":"positive","sentiment_score":0.5124924182891846}],"sentiment":"neutral","sentiment_score":0.15885088531606234,"num_words":134,"start":608.495,"end":648.23},{"sentences":[{"text":"Outside of that, goals wise, so obviously, you've got the focus on the next few years.","start":648.85,"end":654.23,"sentiment":"neutral","sentiment_score":0.20461889682337642},{"text":"You've been building up your savings, con contributing to super.","start":654.885,"end":658.18506,"sentiment":"neutral","sentiment_score":0.31196492463350295},{"text":"There's the ideal retirement, let's say, around the 67 mark, combined assets.","start":658.565,"end":663.625,"sentiment":"positive","sentiment_score":0.4515720109144847},{"text":"Anything else that you're focusing on for the next one to three years?","start":663.68506,"end":666.98505,"sentiment":"neutral","sentiment_score":0.12468059017108037},{"text":"Yep.","start":679.035,"end":679.535,"sentiment":"neutral","sentiment_score":0.037455201148986816}],"sentiment":"neutral","sentiment_score":0.2590522807664596,"num_words":52,"start":648.85,"end":679.535},{"sentences":[{"text":"Perfect.","start":690.39496,"end":690.89496,"sentiment":"positive","sentiment_score":0.3680408000946045},{"text":"So for the term deposits, I think you had a 150 and one and 40 in the other.","start":690.95496,"end":695.74,"sentiment":"neutral","sentiment_score":0.05843422934412956},{"text":"Do you know roughly what they're sitting at now?","start":695.74,"end":697.92,"sentiment":"neutral","sentiment_score":0.03023287488354577},{"text":"Thank you.","start":703.66003,"end":704.4,"sentiment":"neutral","sentiment_score":0.27079272270202637},{"text":"Appreciate that.","start":704.46,"end":705.435,"sentiment":"positive","sentiment_score":0.4470474123954773}],"sentiment":"neutral","sentiment_score":0.0977385335136205,"num_words":32,"start":690.39496,"end":705.435},{"sentences":[{"text":"$1.60.","start":712.795,"end":713.695,"sentiment":"neutral","sentiment_score":0.04865200072526932},{"text":"Yep.","start":748.83997,"end":749.32,"sentiment":"neutral","sentiment_score":0.057293251156806946},{"text":"So it's just in high interest savings at the moment.","start":749.32,"end":751.98,"sentiment":"neutral","sentiment_score":0.05665527991950512},{"text":"K.","start":755.095,"end":755.415,"sentiment":"neutral","sentiment_score":0.021535612642765045},{"text":"Would that be A 100 and that one.","start":755.415,"end":758.475,"sentiment":"neutral","sentiment_score":0.05534402676858008}],"sentiment":"neutral","sentiment_score":0.05413266085088253,"num_words":21,"start":712.795,"end":758.475},{"sentences":[{"text":"Thank you.","start":758.775,"end":759.595,"sentiment":"neutral","sentiment_score":0.2653515934944153},{"text":"Alright.","start":760.695,"end":761.095,"sentiment":"neutral","sentiment_score":0.14006412029266355},{"text":"So I updated those two.","start":761.095,"end":762.875,"sentiment":"neutral","sentiment_score":0.12497957646846772},{"text":"Look.","start":765.335,"end":765.65497,"sentiment":"neutral","sentiment_score":0.2436407208442688},{"text":"Savings rates are really good at the moment.","start":765.65497,"end":767.22,"sentiment":"neutral","sentiment_score":0.31880655884742737}],"sentiment":"neutral","sentiment_score":0.24057402242632472,"num_words":17,"start":758.775,"end":767.22},{"sentences":[{"text":"I can I know most of the banks are hitting that 5% or above?","start":767.37994,"end":770.27997,"sentiment":"neutral","sentiment_score":0.09911208440150533},{"text":"It's not really Yeah.","start":772.25995,"end":777.86,"sentiment":"neutral","sentiment_score":-0.026267806999385357},{"text":"Who are you with?","start":777.86,"end":778.75995,"sentiment":"neutral","sentiment_score":0.010260500246658921},{"text":"Oh, yeah.","start":781.235,"end":781.71497,"sentiment":"neutral","sentiment_score":0.19423849880695343},{"text":"Okay.","start":781.71497,"end":782.195,"sentiment":"positive","sentiment_score":0.3550552427768707}],"sentiment":"neutral","sentiment_score":0.08268288780003787,"num_words":25,"start":767.37994,"end":782.195},{"sentences":[{"text":"They're pretty good for it.","start":782.195,"end":783.495,"sentiment":"positive","sentiment_score":0.6805295467376709},{"text":"Look.","start":783.95496,"end":784.27496,"sentiment":"neutral","sentiment_score":0.2575756311416626},{"text":"A lot of people asked me five, ten years ago what you know, how to get higher interest and invest money because the banks were paying zero to 2% at the time.","start":784.27496,"end":792.535,"sentiment":"neutral","sentiment_score":0.0701785086421296},{"text":"But, realistically, if you're getting five and a half and the stock market's not really looking like it's gonna get anything between seven and nine as an average, there's really no point taking on risk and looking at other types of investments, I think, at this point, especially if you need to access the funds and you prefer to keep it safe and growing.","start":792.73,"end":812.47504,"sentiment":"neutral","sentiment_score":0.028007318895106437},{"text":"So I just wanted to ask the question if you wanted investment advice or were you happy to leave it in those two structures?","start":812.53503,"end":818.155,"sentiment":"neutral","sentiment_score":0.03980060573667288}],"sentiment":"neutral","sentiment_score":0.06867951260591369,"num_words":126,"start":782.195,"end":818.155},{"sentences":[{"text":"Yeah.","start":823.2,"end":823.7,"sentiment":"neutral","sentiment_score":0.0873679518699646},{"text":"So it's anywhere between 10 and 50.","start":844.43,"end":847.65,"sentiment":"neutral","sentiment_score":-0.0024802586329834802},{"text":"Yeah.","start":856.28503,"end":856.78503,"sentiment":"neutral","sentiment_score":0.017659008502960205},{"text":"Alright.","start":858.36505,"end":858.86505,"sentiment":"neutral","sentiment_score":0.05385114997625351},{"text":"That's what I'm thinking.","start":870.13995,"end":870.9,"sentiment":"neutral","sentiment_score":0.27326298877596855}],"sentiment":"neutral","sentiment_score":0.08818344678729773,"num_words":14,"start":823.2,"end":870.9},{"sentences":[{"text":"It gives you that you're almost creating your own bucket strategy five years ahead of time where you've got here's this much in cash.","start":870.9,"end":877.83997,"sentiment":"neutral","sentiment_score":0.32011937722563744},{"text":"This is in some fixed interest locked away term deposit.","start":877.89996,"end":880.975,"sentiment":"neutral","sentiment_score":0.04415192827582359},{"text":"Then you've got the super and the investment property as your more longer term growth assets, and you kind of split it into the three.","start":881.115,"end":887.535,"sentiment":"neutral","sentiment_score":0.07405509263277053},{"text":"You've got something for twelve months, something for one to three years, and something for everything after that and longer term.","start":887.595,"end":894.54004,"sentiment":"neutral","sentiment_score":0.0580762488146623},{"text":"So just rebuilding this bucket strategy is gonna be the best for you, especially by the time you do hit 67.","start":894.54004,"end":901.34,"sentiment":"positive","sentiment_score":0.35248033702373505}],"sentiment":"neutral","sentiment_score":0.18413316786731823,"num_words":101,"start":870.9,"end":901.34},{"sentences":[{"text":"Preempting it's a great idea.","start":901.34,"end":903.04004,"sentiment":"positive","sentiment_score":0.6523033738136291},{"text":"Cool.","start":905.755,"end":906.235,"sentiment":"neutral","sentiment_score":0.30754584074020386},{"text":"So outside of that, we're basically gonna come back to a few step approach.","start":906.235,"end":910.95496,"sentiment":"neutral","sentiment_score":0.1768950085554804},{"text":"60, we'll look at TTRs.","start":910.95496,"end":912.33496,"sentiment":"neutral","sentiment_score":0.07995728254318238},{"text":"63, we'll look at property.","start":912.95496,"end":914.57495,"sentiment":"neutral","sentiment_score":0.06423931196331978}],"sentiment":"neutral","sentiment_score":0.22555252673725287,"num_words":30,"start":901.34,"end":914.57495},{"sentences":[{"text":"67, we'll look at pension and Centrelink and and full retirement.","start":914.875,"end":918.415,"sentiment":"neutral","sentiment_score":0.12605072490193628},{"text":"Outside of that, the only other question I had was just around estate planning.","start":920.71,"end":924.09,"sentiment":"neutral","sentiment_score":0.04845289061112063},{"text":"Because your beneficiary's in place, did you have the will in place enough to date?","start":924.39,"end":928.49,"sentiment":"neutral","sentiment_score":0.018118381127715112},{"text":"Yep.","start":936.485,"end":936.985,"sentiment":"neutral","sentiment_score":0.07330874353647232},{"text":"Yeah.","start":962.035,"end":962.435,"sentiment":"neutral","sentiment_score":0.05529662221670151}],"sentiment":"neutral","sentiment_score":0.05869713155109258,"num_words":42,"start":914.875,"end":962.435},{"sentences":[{"text":"Sensational.","start":962.435,"end":962.935,"sentiment":"neutral","sentiment_score":0.015337392687797546},{"text":"Do you remember if you put in place, like, a power of attorney when you did the?","start":964.355,"end":968.615,"sentiment":"neutral","sentiment_score":-0.03363296521060607},{"text":"Will?","start":970.32996,"end":970.57,"sentiment":"neutral","sentiment_score":-0.07933835685253143},{"text":"Okay.","start":970.57,"end":970.73,"sentiment":"neutral","sentiment_score":-0.008328717201948166},{"text":"So that's probably one I would remind you to tick off on, especially if you update the will next year is just having that trusted person who can talk to the doctors, access the bank accounts, keep things getting paid and moving for you if you're in a coma or something.","start":970.73,"end":985.43506,"sentiment":"neutral","sentiment_score":0.07326576321878854}],"sentiment":"neutral","sentiment_score":0.043555828650862397,"num_words":71,"start":962.435,"end":985.43506},{"sentences":[{"text":"Yeah.","start":996.14996,"end":996.47,"sentiment":"neutral","sentiment_score":-0.005167724564671516},{"text":"So in Queensland, it's both combined.","start":996.47,"end":998.97,"sentiment":"neutral","sentiment_score":0.003588599773744742},{"text":"I'm gonna quickly check for South Australia.","start":999.19,"end":1001.43,"sentiment":"neutral","sentiment_score":0.025789476931095123},{"text":"Does South Australia split medical and financial power of attorney?","start":1001.43,"end":1006.49,"sentiment":"neutral","sentiment_score":-0.0019479386508464813},{"text":"Because alright.","start":1006.95,"end":1012.22504,"sentiment":"neutral","sentiment_score":0.049971383064985275}],"sentiment":"neutral","sentiment_score":0.01066744585449879,"num_words":26,"start":996.14996,"end":1012.22504},{"sentences":[{"text":"I'll I'll double check the states there, but sometimes you can do one that covers both for the state, but it is dependent on state law whether you have to have the medical or financial or both.","start":1012.22504,"end":1020.645,"sentiment":"neutral","sentiment_score":0.04045560744565886},{"text":"But it's worth just you know, you look at the trustee website online for South Australia.","start":1021.265,"end":1025.69,"sentiment":"neutral","sentiment_score":0.28491124603897333},{"text":"And if you bear with me for a moment, I can figure that out for you.","start":1026.15,"end":1029.69,"sentiment":"positive","sentiment_score":0.35464611276984215},{"text":"Just while I'm doing that, I just wanna let you know what's come through in that email pack that you're going through currently just while I get this information.","start":1032.5499,"end":1041.125,"sentiment":"neutral","sentiment_score":0.24211529616651864},{"text":"We update our financial services guide every year, so licensing information and things like that.","start":1041.9049,"end":1047.2849,"sentiment":"neutral","sentiment_score":0.11248678540190062}],"sentiment":"neutral","sentiment_score":0.1808709786397166,"num_words":113,"start":1012.22504,"end":1047.2849},{"sentences":[{"text":"In addition to that, we're going to be updating our fee structure next year to incorporate a tiered fee structure.","start":1049.6,"end":1058.02,"sentiment":"neutral","sentiment_score":0.14976510517299174},{"text":"So what normally happens with us is you've got that 1.65%.","start":1058.5599,"end":1063.3151,"sentiment":"neutral","sentiment_score":-0.04779511419209567},{"text":"And once you hit a cap level of 600,000, it kind of flatlines.","start":1063.375,"end":1067.3151,"sentiment":"neutral","sentiment_score":-0.10173315841418046},{"text":"But what we're doing next year is when you're above 200,000, we're gonna start stepping people down with fee discounts for every couple of 100 thousand after that.","start":1067.775,"end":1077.46,"sentiment":"neutral","sentiment_score":-0.00842966405408723},{"text":"Okay?","start":1078.88,"end":1079.2,"sentiment":"neutral","sentiment_score":0.08299776911735535}],"sentiment":"neutral","sentiment_score":0.013616328268018488,"num_words":73,"start":1049.6,"end":1079.2},{"sentences":[{"text":"So it'll give you some benefit when you hit that level, which you're you'll be getting close to with your contribution.","start":1079.2,"end":1084.1,"sentiment":"neutral","sentiment_score":0.2667487157242639},{"text":"So whether it's twelve, twenty four months, you will probably start to benefit to that as we transition you into those pension strategies I was talking about.","start":1084.1599,"end":1092.885,"sentiment":"neutral","sentiment_score":0.17644078256907286},{"text":"Yeah.","start":1100.465,"end":1100.965,"sentiment":"neutral","sentiment_score":0.006264682859182358},{"text":"Max growth on the 20 30, so 24 month monthly.","start":1101.345,"end":1104.8049,"sentiment":"neutral","sentiment_score":0.01543185655027628},{"text":"Here it is.","start":1106.6901,"end":1107.3301,"sentiment":"neutral","sentiment_score":0.04736702640851339}],"sentiment":"neutral","sentiment_score":0.17206949172841926,"num_words":62,"start":1079.2,"end":1107.3301},{"sentences":[{"text":"So I did remember this.","start":1107.3301,"end":1108.61,"sentiment":"neutral","sentiment_score":0.011357787996530533},{"text":"The South Australia has an enduring power of attorney for financial and legal, and for health, it's an advanced care directive.","start":1108.61,"end":1117.11,"sentiment":"neutral","sentiment_score":-0.029488771532972653},{"text":"Yeah.","start":1129.5199,"end":1129.6799,"sentiment":"neutral","sentiment_score":-0.008908186107873917},{"text":"So if they split it, financial and legal is enduring power of attorney.","start":1129.6799,"end":1133.7,"sentiment":"neutral","sentiment_score":-0.01714524755684229},{"text":"Advanced care directive is the who can talk to the doctors and medical treatment, accommodation, aged care, all that kind of thing.","start":1133.9199,"end":1141.1399,"sentiment":"neutral","sentiment_score":0.03595292559740218}],"sentiment":"neutral","sentiment_score":-0.00005334360344756034,"num_words":62,"start":1107.3301,"end":1141.1399},{"sentences":[{"text":"Perfect.","start":1145.455,"end":1145.955,"sentiment":"positive","sentiment_score":0.7712197303771973},{"text":"I'll make a few notes on file.","start":1146.095,"end":1147.375,"sentiment":"positive","sentiment_score":0.38712386574063984},{"text":"So if you ever call up and ask any questions about it, the team can see that in your state, it's kind of like will power of attorney events care directive.","start":1147.375,"end":1154.9149,"sentiment":"neutral","sentiment_score":0.21555009195881505},{"text":"And that way, I've just attached that note to your profile.","start":1155.2,"end":1158.1,"sentiment":"neutral","sentiment_score":0.169492321935567},{"text":"Alright.","start":1161.04,"end":1161.54,"sentiment":"neutral","sentiment_score":0.09126581996679306}],"sentiment":"neutral","sentiment_score":0.2376239412263328,"num_words":51,"start":1145.455,"end":1161.54},{"sentences":[{"text":"Outside of that, Belinda, any questions for me so far?","start":1162.0,"end":1165.0599,"sentiment":"neutral","sentiment_score":0.0818676058202982},{"text":"K.","start":1169.055,"end":1169.135,"sentiment":"neutral","sentiment_score":0.01390380784869194},{"text":"Are you still paying yourself about 45 in terms of the wages from the business?","start":1169.135,"end":1173.155,"sentiment":"neutral","sentiment_score":-0.013050402949253718},{"text":"Yep.","start":1175.455,"end":1175.955,"sentiment":"neutral","sentiment_score":-0.005493722856044769},{"text":"Yep.","start":1177.935,"end":1178.415,"sentiment":"neutral","sentiment_score":0.2126850783824921}],"sentiment":"neutral","sentiment_score":0.030143399190689837,"num_words":28,"start":1162.0,"end":1178.415},{"sentences":[{"text":"Easy done.","start":1178.415,"end":1179.3151,"sentiment":"positive","sentiment_score":0.4320632517337799},{"text":"That's pretty much it.","start":1179.935,"end":1181.3999,"sentiment":"positive","sentiment_score":0.39841461926698685},{"text":"So I'll leave that annual review pack with you if you're comfortable with everything as it is.","start":1181.3999,"end":1186.5199,"sentiment":"neutral","sentiment_score":0.3255295297678779},{"text":"I've put a few flags in there to look at that investment next time we speak, look at some other contribution and pension strategies after that.","start":1186.5199,"end":1194.46,"sentiment":"neutral","sentiment_score":0.22473547836908928},{"text":"Property at 63, retirement at 67, and Centrelink, and keep the insurances going, update the estate plan, and it should be good to go.","start":1194.775,"end":1204.455,"sentiment":"positive","sentiment_score":0.40296179987490177}],"sentiment":"neutral","sentiment_score":0.3219998989203205,"num_words":73,"start":1178.415,"end":1204.455},{"sentences":[{"text":"Oh, and the renovations.","start":1204.455,"end":1205.515,"sentiment":"neutral","sentiment_score":0.0707328412681818},{"text":"And if you get yeah.","start":1226.885,"end":1232.3401,"sentiment":"neutral","sentiment_score":0.12051111981272697},{"text":"And would you prefer that to be just a usual twelve month review?","start":1232.3401,"end":1235.78,"sentiment":"neutral","sentiment_score":0.04293841782670755},{"text":"Would you want me to pencil something in a little bit earlier?","start":1235.78,"end":1238.12,"sentiment":"neutral","sentiment_score":0.029353540080289047},{"text":"Cool.","start":1240.66,"end":1241.16,"sentiment":"neutral","sentiment_score":0.010581550188362598}],"sentiment":"neutral","sentiment_score":0.05161458362958261,"num_words":35,"start":1204.455,"end":1241.16},{"sentences":[{"text":"When you get a bit closer to that pension age, we're pretty much gonna be doing, like, a a revolving analysis to see how you're looking Centrelink wise, what you can and can't access.","start":1241.4601,"end":1250.855,"sentiment":"neutral","sentiment_score":0.01596059470766169},{"text":"And if there is a few strategies to shuffle things around, I'll go through that with you as well.","start":1250.915,"end":1255.415,"sentiment":"neutral","sentiment_score":0.10533577968415461},{"text":"Yeah.","start":1266.01,"end":1266.51,"sentiment":"neutral","sentiment_score":0.0200258269906044},{"text":"Yeah.","start":1277.385,"end":1277.625,"sentiment":"neutral","sentiment_score":0.07835917174816132},{"text":"No.","start":1277.625,"end":1277.785,"sentiment":"neutral","sentiment_score":0.18289780616760257}],"sentiment":"neutral","sentiment_score":0.050452193552960774,"num_words":56,"start":1241.4601,"end":1277.785},{"sentences":[{"text":"That's amazing.","start":1277.785,"end":1278.425,"sentiment":"positive","sentiment_score":0.5911378562450409},{"text":"What I'll do is I'll put in a reminder for the team towards the end of May just to start reaching out to book something in.","start":1278.425,"end":1284.39,"sentiment":"positive","sentiment_score":0.3587174117565155},{"text":"And then that way, we've got enough time to find a time to speak, go through the ideas and strategies and advice together.","start":1284.39,"end":1290.5701,"sentiment":"positive","sentiment_score":0.43113203929818195},{"text":"Amazing.","start":1293.525,"end":1293.765,"sentiment":"positive","sentiment_score":0.7381779551506042},{"text":"Well, any questions for me before I let you go?","start":1293.765,"end":1296.105,"sentiment":"neutral","sentiment_score":0.07678272277116775}],"sentiment":"positive","sentiment_score":0.3537253307238702,"num_words":62,"start":1277.785,"end":1296.105},{"sentences":[{"text":"Awesome.","start":1298.405,"end":1298.905,"sentiment":"positive","sentiment_score":0.39072754979133606},{"text":"Again, keep an eye out for that notice of intent to claim confirmation.","start":1299.2051,"end":1303.7051,"sentiment":"neutral","sentiment_score":0.11008908771551572},{"text":"As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return.","start":1303.925,"end":1309.75,"sentiment":"neutral","sentiment_score":0.1347610980272293},{"text":"Yeah.","start":1318.37,"end":1318.6901,"sentiment":"neutral","sentiment_score":0.04742177575826645},{"text":"That's right.","start":1318.6901,"end":1319.17,"sentiment":"neutral","sentiment_score":0.08449650555849075}],"sentiment":"neutral","sentiment_score":0.12874590303926242,"num_words":42,"start":1298.405,"end":1319.17},{"sentences":[{"text":"So that confirmation basically says, here's what went in.","start":1319.17,"end":1321.815,"sentiment":"neutral","sentiment_score":0.06318326542774837},{"text":"Here's what is getting claimed.","start":1321.8949,"end":1323.9149,"sentiment":"neutral","sentiment_score":0.062350501865148546},{"text":"And that information, they can just feed directly into the return and say, okay.","start":1323.975,"end":1327.575,"sentiment":"neutral","sentiment_score":0.07382063221718584},{"text":"It's the 10 and the six or fifteen, sixteen, and they can just plug that in as they do the tax return.","start":1327.575,"end":1333.6549,"sentiment":"neutral","sentiment_score":0.07844761115583507},{"text":"So it's the handiest thing to bring with you.","start":1333.6549,"end":1335.6549,"sentiment":"neutral","sentiment_score":0.28321055074532825}],"sentiment":"neutral","sentiment_score":0.10489208731105772,"num_words":59,"start":1319.17,"end":1335.6549},{"sentences":[{"text":"It's like a one pager.","start":1335.6549,"end":1336.715,"sentiment":"neutral","sentiment_score":0.21151783764362336},{"text":"Awesome.","start":1346.54,"end":1347.02,"sentiment":"positive","sentiment_score":0.5560059547424316},{"text":"Well, now look, thank you so much for taking the time.","start":1347.02,"end":1349.1799,"sentiment":"positive","sentiment_score":0.6253744445063851},{"text":"I've put a bit of a reminder in to check that tomorrow.","start":1349.1799,"end":1351.6,"sentiment":"neutral","sentiment_score":0.22308851902683577},{"text":"But if you need anything else in between, just give us a call.","start":1352.025,"end":1355.485,"sentiment":"neutral","sentiment_score":0.19039835265049568}],"sentiment":"neutral","sentiment_score":0.32487987726926804,"num_words":42,"start":1335.6549,"end":1355.485},{"sentences":[{"text":"You too, brother.","start":1358.5851,"end":1359.385,"sentiment":"positive","sentiment_score":0.6454433997472128},{"text":"Thank you so much.","start":1359.385,"end":1360.365,"sentiment":"positive","sentiment_score":0.8085434287786484},{"text":"Bye.","start":1361.7051,"end":1362.2051,"sentiment":"neutral","sentiment_score":-0.10392148047685625}],"sentiment":"positive","sentiment_score":0.6333228042349219,"num_words":8,"start":1358.5851,"end":1362.2051}]}}]},{"alternatives":[{"transcript":"Hi. Tommy, is it? Yeah. Good. Thank you. Yes. I have. Yep. Lou. No. It should be okay. Yeah. It should be okay. No worries. Okay. So I've got your email. Yep. I've got it. Mhmm. Yep. Okay. So I just, yep, so you want me to go to this you want me to go down to the three attachments? Oh, yep. There it is, the second one. Yep. Mhmm. Yep. Mhmm. No. I think, yeah, I think it's sort of on on track. I'll still sort of keep it where it is at the moment in that that's what's the high risk, whatever you call it. It's yeah. I think I'm still happy for it to be there. And, yeah, hopefully, yeah, things will start bouncing back a bit better, a little bit more. Yeah. Yeah. It is. Now just with the the life and the TPT, is there somewhere on my policy that states that the beneficiaries are? I'm pretty sure it is, but I always like to ask. Mhmm. Yep. Yep. Mhmm. Beautiful. No worries. Well, probably the life insurance because if any happens to me, I'll say I'm not gonna be able to use it. But the TCP, that's probably more so it should be my name because everything happens to me. I need to access that, don't I? Beautiful. No. That's good. Yeah. No. That's I just wasn't I wasn't a 100% sure. I thought, yeah, I just wanted to check and make sure that I'm on the same page. That's good. Mhmm. Yep. Yep. No. I'm pretty sure they just done last year's tax, so who my accountant is. Yep. Yes. No worries. And that has hasn't changed to how much you can put in yourself per year? Still 30 thousand? 30,000. Yep. Okay. Yep. Yep. Yep. Yes. Yep. Yep. Yes. Yep. Mhmm. Mhmm. Yep. Yes. Yep. Because I'm not yep. Yep. Nine foot nine four. So yeah. That's great. Yeah. Happy with that. Yep. No worries. Because there's two there, isn't there? Better Bank and Better Global. Are they the three? Oh, sorry. Which which one were you looking at? Sorry. I'll above that. Yes. There it is. Yep. Got it. Yep. Yep. Got it. No. That's alright. Yep. Now I've got it. Yep. Fantastic. I think so. Yeah. It's just that little bit of extra security there, then it's not really costing me a it shall have a lot at that at this moment. So and it's just a little bit extra security. Yep. Yes. Mhmm. Well, that was gonna be another question that I was gonna sort of bring up today with you as well because I will have to sort of sit down and really work out with the assets that I have got. Will I be able to access any sort of benefits, like, as in the pension coming down the track? But that's not gonna be until another eight years because it's '60 was it '60? '67. Yeah. Yeah. So I can't really access the pension to them, but and I I don't know with the super. It'll come down to yeah. When I don't know. What am I now? 58, 59 this year. I've made another probably three years, and I might seriously think about start selling the the investment property. And if I did that, well, I'd have money that I could probably I I could only put so much of that into the CP in a one month sum. Yeah. So, yeah, probably in three years' time, I'll be, yeah, thinking about it. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. I always sort of said that I'll keep it at that high growth until until about over 60. And then I was gonna look at it after that, which we can still do that. And then we'll assess it again and see how everything's tracking with me. And at this stage, I'm still fit healthy, and and and I can still run the business. So we'll just sort of keep it at this high growth until I turn 60. And then then after that, I will see how I go, and I might even still keep it into the high growth until I'm about 63. And that's when I'll start thinking about selling the like, selling the the business. Yep. Yes. No. That'd be great. Yep. No. Not really. No. Just I've got some money that was in a term deposit, which I'm gonna take out, and that's gonna be used to do some renovations on the house. And then, like, this basic renovations, but once they're done, I shouldn't have to spend any more money on the house another ten years, so to speak. You know, once yeah. We I've just reinvested one. Let me just jump into that straight away. So I've got $1.60 in term deposit at the moment. Yep. And the other one, I haven't put into term deposit because I actually went to see my bank manager to sort of touch base with him to work out where things were sitting with them, loan taking out a loan. And I just thought I said, would it be better, official for me to take out a loan, keep my money in the bank, or use the money in my bank instead of taking out a loan to do these renovations? And we went through it and and had a bit of a good look at it, and then he sort of said I'll be probably be be more beneficial for me to use the money in the bank with the interest rates and all the rest of it. So yeah. It is. Yeah. Yep. Yep. So and there's a 100 in that one. Yeah. Yep. I reckon I saw I got with one of mine. The term deposit was $5.5.5, I think it was. So yeah. That was Bank SA. Yeah. Yeah. I think at this stage, I'm happy just to leave it where and as I said, because there's renovations that I wanna do, they're not gonna cost me a lot. But, yeah, there's a little bit of work. I live next to the river, so there's a little bit of work that needs to be done down the bottom, and that can always you just never know what else did I find down there. So, you know, I might end up spending, you know, $50,000 on the renovations in it that I wanna get done across whatever they've sort of find up. Yeah. Yeah. Yeah. So I just yeah. It depends on how far I can go and and do what I can get to do the jobs. So but yeah. But no. That'd be good. I'll I'll and I'm happy to sort of keep that like that. So that way, I've got that cash sitting there if I need to access it without going too much trouble to get money out. Yep. Yep. Yep. Okay. Yep. No worries. Yep. I have got the wheel. Has been done probably three years ago. Yeah. So I do have a grandchild at this which is probably the only difference at this stage. So, yeah, I would like to probably have them give that another twelve months and probably look at just, yeah, working out what I have got mobile and and all the change in it or yeah. Just keeping up to date and just review it every couple of years. No. I haven't done any of those yet. No. Yep. Yep. Yeah. Yeah. Yeah. Yeah. And there's a health one too, isn't there? Like, I'm sorry. The power of attorney is probably not on his bill. Yep. Okay. Yep. Thanks. Yes. Yep. No. Okay. Oh, okay. Yep. Yep. Yeah. Yeah. So probably not be next year because what I got my sleep is $1.20. Even if I add another 30, it's starting around fifteen ten percent on top of that. Yeah. So the probably yeah. Yep. Okay. Advanced. Yeah. Okay. Yep. So the power of attorney and medical sort of all in one, and then your no. Advanced Care. Sorry. Yep. Okay. Enjoy. Yeah. Yep. Cool. I'll look into that and get them done as well. Yep. No. I'm on this. No. It's all good, I think. Yeah. Roughly. It depends on the yeah. It depends on the year. Yep. Yep. Yep. Yep. That no worries. Yeah. I was I'm not quite sure what it is with the with the pension, and and so I've still got eight years to worry about that. So I'm not gonna worry too much about that until, yeah, that happens. And I think I should be okay. If if I decide to retire a little bit earlier, I can, yeah, probably manage. So it should be okay. But now that'd be good if the next time next time we speak, we can then be a touch base then again. Twelve months would be fine. Yep. Yep. And the only thing I'll ask is probably we'll make it to make the appointment maybe early June. So that way, if I can transfer money over before the end of financial year, we can work out how much if I decide to do more. I mean, I know I can always bring up and ask like I did this year to work out how much I can do. But yeah. So that maybe the beginning of June. Fantastic. Yep. Beautiful. That sounds great. No. No. That's it. Thank you. Yeah. Yeah. No worries. So do you need I will need to just hand that over to my accountant because I will send you one as well, won't they? Yep. Yep. Yep. Yep. No worries at all. I'll look keep an eye out for it. I haven't received anything as today. So but yeah. No. No. All good. Excellent. Thank you very much, Tommy. You have a great day. 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Tommy, is it? Yeah. Good. Thank you.\n\nYes. I have. Yep. Lou. No.\n\nIt should be okay. Yeah. It should be okay. No worries. Okay.\n\nSo I've got your email. Yep. I've got it. Mhmm. Yep.\n\nOkay. So I just, yep, so you want me to go to this you want me to go down to the three attachments? Oh, yep. There it is, the second one. Yep.\n\nMhmm. Yep. Mhmm. No. I think, yeah, I think it's sort of on on track.\n\nI'll still sort of keep it where it is at the moment in that that's what's the high risk, whatever you call it. It's yeah. I think I'm still happy for it to be there. And, yeah, hopefully, yeah, things will start bouncing back a bit better, a little bit more. Yeah.\n\nYeah. It is. Now just with the the life and the TPT, is there somewhere on my policy that states that the beneficiaries are? I'm pretty sure it is, but I always like to ask. Mhmm.\n\nYep. Yep. Mhmm. Beautiful. No worries.\n\nWell, probably the life insurance because if any happens to me, I'll say I'm not gonna be able to use it. But the TCP, that's probably more so it should be my name because everything happens to me. I need to access that, don't I? Beautiful. No.\n\nThat's good. Yeah. No. That's I just wasn't I wasn't a 100% sure. I thought, yeah, I just wanted to check and make sure that I'm on the same page.\n\nThat's good. Mhmm. Yep. Yep. No.\n\nI'm pretty sure they just done last year's tax, so who my accountant is. Yep. Yes. No worries. And that has hasn't changed to how much you can put in yourself per year?\n\nStill 30 thousand? 30,000. Yep. Okay. Yep.\n\nYep. Yep. Yes. Yep. Yep.\n\nYes. Yep. Mhmm. Mhmm. Yep.\n\nYes. Yep. Because I'm not yep. Yep. Nine foot nine four.\n\nSo yeah. That's great. Yeah. Happy with that. Yep.\n\nNo worries. Because there's two there, isn't there? Better Bank and Better Global. Are they the three? Oh, sorry.\n\nWhich which one were you looking at? Sorry. I'll above that. Yes. There it is.\n\nYep. Got it. Yep. Yep. Got it.\n\nNo. That's alright. Yep. Now I've got it. Yep.\n\nFantastic. I think so. Yeah. It's just that little bit of extra security there, then it's not really costing me a it shall have a lot at that at this moment. So and it's just a little bit extra security.\n\nYep. Yes. Mhmm. Well, that was gonna be another question that I was gonna sort of bring up today with you as well because I will have to sort of sit down and really work out with the assets that I have got. Will I be able to access any sort of benefits, like, as in the pension coming down the track?\n\nBut that's not gonna be until another eight years because it's '60 was it '60? '67. Yeah. Yeah. So I can't really access the pension to them, but and I I don't know with the super.\n\nIt'll come down to yeah. When I don't know. What am I now? 58, 59 this year. I've made another probably three years, and I might seriously think about start selling the the investment property.\n\nAnd if I did that, well, I'd have money that I could probably I I could only put so much of that into the CP in a one month sum. Yeah. So, yeah, probably in three years' time, I'll be, yeah, thinking about it. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nI always sort of said that I'll keep it at that high growth until until about over 60. And then I was gonna look at it after that, which we can still do that. And then we'll assess it again and see how everything's tracking with me. And at this stage, I'm still fit healthy, and and and I can still run the business. So we'll just sort of keep it at this high growth until I turn 60.\n\nAnd then then after that, I will see how I go, and I might even still keep it into the high growth until I'm about 63. And that's when I'll start thinking about selling the like, selling the the business. Yep. Yes. No.\n\nThat'd be great. Yep. No. Not really. No.\n\nJust I've got some money that was in a term deposit, which I'm gonna take out, and that's gonna be used to do some renovations on the house. And then, like, this basic renovations, but once they're done, I shouldn't have to spend any more money on the house another ten years, so to speak. You know, once yeah. We I've just reinvested one. Let me just jump into that straight away.\n\nSo I've got $1.60 in term deposit at the moment. Yep. And the other one, I haven't put into term deposit because I actually went to see my bank manager to sort of touch base with him to work out where things were sitting with them, loan taking out a loan. And I just thought I said, would it be better, official for me to take out a loan, keep my money in the bank, or use the money in my bank instead of taking out a loan to do these renovations? And we went through it and and had a bit of a good look at it, and then he sort of said I'll be probably be be more beneficial for me to use the money in the bank with the interest rates and all the rest of it.\n\nSo yeah. It is. Yeah. Yep. Yep.\n\nSo and there's a 100 in that one. Yeah. Yep. I reckon I saw I got with one of mine. The term deposit was $5.5.5, I think it was.\n\nSo yeah. That was Bank SA. Yeah. Yeah. I think at this stage, I'm happy just to leave it where and as I said, because there's renovations that I wanna do, they're not gonna cost me a lot.\n\nBut, yeah, there's a little bit of work. I live next to the river, so there's a little bit of work that needs to be done down the bottom, and that can always you just never know what else did I find down there. So, you know, I might end up spending, you know, $50,000 on the renovations in it that I wanna get done across whatever they've sort of find up. Yeah. Yeah.\n\nYeah. So I just yeah. It depends on how far I can go and and do what I can get to do the jobs. So but yeah. But no.\n\nThat'd be good. I'll I'll and I'm happy to sort of keep that like that. So that way, I've got that cash sitting there if I need to access it without going too much trouble to get money out. Yep. Yep.\n\nYep. Okay. Yep. No worries. Yep.\n\nI have got the wheel. Has been done probably three years ago. Yeah. So I do have a grandchild at this which is probably the only difference at this stage. So, yeah, I would like to probably have them give that another twelve months and probably look at just, yeah, working out what I have got mobile and and all the change in it or yeah.\n\nJust keeping up to date and just review it every couple of years. No. I haven't done any of those yet. No. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nAnd there's a health one too, isn't there? Like, I'm sorry. The power of attorney is probably not on his bill. Yep. Okay.\n\nYep. Thanks. Yes. Yep. No.\n\nOkay. Oh, okay. Yep. Yep. Yeah.\n\nYeah. So probably not be next year because what I got my sleep is $1.20. Even if I add another 30, it's starting around fifteen ten percent on top of that. Yeah. So the probably yeah.\n\nYep. Okay. Advanced. Yeah. Okay.\n\nYep. So the power of attorney and medical sort of all in one, and then your no. Advanced Care. Sorry. Yep.\n\nOkay. Enjoy. Yeah. Yep. Cool.\n\nI'll look into that and get them done as well. Yep. No. I'm on this. No.\n\nIt's all good, I think. Yeah. Roughly. It depends on the yeah. It depends on the year.\n\nYep. Yep. Yep. Yep. That no worries.\n\nYeah. I was I'm not quite sure what it is with the with the pension, and and so I've still got eight years to worry about that. So I'm not gonna worry too much about that until, yeah, that happens. And I think I should be okay. If if I decide to retire a little bit earlier, I can, yeah, probably manage.\n\nSo it should be okay. But now that'd be good if the next time next time we speak, we can then be a touch base then again. Twelve months would be fine. Yep. Yep.\n\nAnd the only thing I'll ask is probably we'll make it to make the appointment maybe early June. So that way, if I can transfer money over before the end of financial year, we can work out how much if I decide to do more. I mean, I know I can always bring up and ask like I did this year to work out how much I can do. But yeah. So that maybe the beginning of June.\n\nFantastic. Yep. Beautiful. That sounds great. No.\n\nNo. That's it. Thank you. Yeah. Yeah.\n\nNo worries. So do you need I will need to just hand that over to my accountant because I will send you one as well, won't they? Yep. Yep. Yep.\n\nYep. No worries at all. I'll look keep an eye out for it. I haven't received anything as today. So but yeah.\n\nNo. No. All good. Excellent. Thank you very much, Tommy.\n\nYou have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.32,"end":0.64,"sentiment":"neutral","sentiment_score":0.05175454914569855},{"text":"Tommy, is it?","start":0.64,"end":4.72,"sentiment":"neutral","sentiment_score":0.055343558390935264},{"text":"Yeah.","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":0.21143779158592224},{"text":"Good.","start":5.2,"end":5.44,"sentiment":"positive","sentiment_score":0.533043384552002},{"text":"Thank you.","start":5.44,"end":6.18,"sentiment":"positive","sentiment_score":0.6575765609741211}],"sentiment":"neutral","sentiment_score":0.28467744030058384,"num_words":8,"start":0.32,"end":6.18},{"sentences":[{"text":"Yes.","start":11.36,"end":11.679999,"sentiment":"neutral","sentiment_score":0.24098268151283264},{"text":"I have.","start":11.679999,"end":12.42,"sentiment":"neutral","sentiment_score":0.3081842362880707},{"text":"Yep.","start":19.395,"end":19.895,"sentiment":"neutral","sentiment_score":0.11729970574378969},{"text":"Lou.","start":27.965,"end":28.465,"sentiment":"neutral","sentiment_score":0.19341370463371277},{"text":"No.","start":38.219997,"end":38.46,"sentiment":"neutral","sentiment_score":0.016840260475873947}],"sentiment":"neutral","sentiment_score":0.19748413749039173,"num_words":6,"start":11.36,"end":38.46},{"sentences":[{"text":"It should be okay.","start":38.46,"end":39.44,"sentiment":"neutral","sentiment_score":0.06786481663584709},{"text":"Yeah.","start":40.379997,"end":40.54,"sentiment":"neutral","sentiment_score":0.1042611002922058},{"text":"It should be okay.","start":40.54,"end":41.6,"sentiment":"neutral","sentiment_score":0.17787636071443558},{"text":"No worries.","start":53.985,"end":54.644997,"sentiment":"neutral","sentiment_score":0.08019823580980301},{"text":"Okay.","start":55.265,"end":55.585,"sentiment":"neutral","sentiment_score":0.06035156920552254}],"sentiment":"neutral","sentiment_score":0.10899782087653875,"num_words":12,"start":38.46,"end":55.585},{"sentences":[{"text":"So I've got your email.","start":55.585,"end":56.805,"sentiment":"neutral","sentiment_score":0.06921283304691314},{"text":"Yep.","start":57.345,"end":57.665,"sentiment":"neutral","sentiment_score":0.08148946613073349},{"text":"I've got 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one.","start":82.705,"end":83.825,"sentiment":"neutral","sentiment_score":0.022022821630040806},{"text":"Yep.","start":83.825,"end":84.325,"sentiment":"neutral","sentiment_score":0.03755822777748108}],"sentiment":"neutral","sentiment_score":0.03416224766988307,"num_words":32,"start":70.05,"end":84.325},{"sentences":[{"text":"Mhmm.","start":91.11,"end":91.61,"sentiment":"neutral","sentiment_score":-0.00984218344092369},{"text":"Yep.","start":94.310005,"end":94.810005,"sentiment":"neutral","sentiment_score":-0.0014324871590361},{"text":"Mhmm.","start":97.590004,"end":98.090004,"sentiment":"neutral","sentiment_score":-0.03481243550777435},{"text":"No.","start":108.494995,"end":108.895,"sentiment":"neutral","sentiment_score":-0.16821634769439697},{"text":"I think, yeah, I think it's sort of on on track.","start":108.895,"end":112.674995,"sentiment":"neutral","sentiment_score":-0.11423916640606793}],"sentiment":"neutral","sentiment_score":-0.09806228561792522,"num_words":15,"start":91.11,"end":112.674995},{"sentences":[{"text":"I'll still sort of keep it where it is at the moment in that that's what's the high risk, whatever you call it.","start":113.215,"end":119.92,"sentiment":"neutral","sentiment_score":-0.14111450573672418},{"text":"It's yeah.","start":119.92,"end":121.14,"sentiment":"neutral","sentiment_score":0.19307389855384827},{"text":"I think I'm still happy for it to be there.","start":121.36,"end":123.44,"sentiment":"positive","sentiment_score":0.6055584013462066},{"text":"And, yeah, hopefully, yeah, things will start bouncing back a bit better, a little bit more.","start":123.44,"end":127.94,"sentiment":"neutral","sentiment_score":0.24319427367299795},{"text":"Yeah.","start":131.515,"end":131.835,"sentiment":"neutral","sentiment_score":0.1087404489517212}],"sentiment":"neutral","sentiment_score":0.13838359627586144,"num_words":52,"start":113.215,"end":131.835},{"sentences":[{"text":"Yeah.","start":131.835,"end":132.075,"sentiment":"neutral","sentiment_score":0.1008642315864563},{"text":"It is.","start":132.075,"end":132.715,"sentiment":"neutral","sentiment_score":0.08664112910628319},{"text":"Now just with the the life and the TPT, is there somewhere on my policy that states that the beneficiaries are?","start":132.715,"end":141.595,"sentiment":"neutral","sentiment_score":0.01652636250392312},{"text":"I'm pretty sure it is, but I always like to 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probably the life insurance because if any happens to me, I'll say I'm not gonna be able to use it.","start":168.345,"end":172.42499,"sentiment":"neutral","sentiment_score":-0.09285913851289522},{"text":"But the TCP, that's probably more so it should be my name because everything happens to me.","start":172.42499,"end":176.85,"sentiment":"neutral","sentiment_score":-0.019941241206491694},{"text":"I need to access that, don't I?","start":176.85,"end":179.35,"sentiment":"neutral","sentiment_score":-0.020293077853109156},{"text":"Beautiful.","start":187.165,"end":187.565,"sentiment":"neutral","sentiment_score":0.19266200065612793},{"text":"No.","start":187.565,"end":187.805,"sentiment":"neutral","sentiment_score":0.016673114150762558}],"sentiment":"neutral","sentiment_score":-0.047271477435021955,"num_words":47,"start":168.345,"end":187.805},{"sentences":[{"text":"That's good.","start":187.805,"end":188.525,"sentiment":"neutral","sentiment_score":0.0521559938788414},{"text":"Yeah.","start":188.525,"end":189.025,"sentiment":"neutral","sentiment_score":0.032306037843227386},{"text":"No.","start":190.845,"end":191.005,"sentiment":"neutral","sentiment_score":-0.039264339953660965},{"text":"That's I just wasn't I wasn't a 100% sure.","start":191.005,"end":193.005,"sentiment":"neutral","sentiment_score":-0.03943438641726971},{"text":"I thought, yeah, I just wanted to check and make sure that I'm on the same page.","start":193.005,"end":196.685,"sentiment":"neutral","sentiment_score":0.042243393685887844}],"sentiment":"neutral","sentiment_score":0.015352730018397173,"num_words":30,"start":187.805,"end":196.685},{"sentences":[{"text":"That's good.","start":196.685,"end":197.425,"sentiment":"neutral","sentiment_score":0.275666743516922},{"text":"Mhmm.","start":206.6,"end":207.1,"sentiment":"neutral","sentiment_score":0.17140793800354004},{"text":"Yep.","start":207.64,"end":208.14,"sentiment":"neutral","sentiment_score":0.237099289894104},{"text":"Yep.","start":217.605,"end":218.105,"sentiment":"neutral","sentiment_score":0.07929974794387817},{"text":"No.","start":228.245,"end":228.745,"sentiment":"neutral","sentiment_score":-0.008076610043644905}],"sentiment":"neutral","sentiment_score":0.17184397547195354,"num_words":6,"start":196.685,"end":228.745},{"sentences":[{"text":"I'm pretty sure they just done last year's tax, so who my accountant is.","start":231.87999,"end":235.5,"sentiment":"neutral","sentiment_score":-0.008037300846938576},{"text":"Yep.","start":240.51999,"end":241.01999,"sentiment":"neutral","sentiment_score":0.08800800144672394},{"text":"Yes.","start":245.45499,"end":245.775,"sentiment":"neutral","sentiment_score":0.10272757709026337},{"text":"No worries.","start":245.775,"end":246.59499,"sentiment":"neutral","sentiment_score":0.18480031192302704},{"text":"And that has hasn't changed to how much you can put in yourself per year?","start":247.295,"end":252.275,"sentiment":"neutral","sentiment_score":0.11434830029805501}],"sentiment":"neutral","sentiment_score":0.06554662106050686,"num_words":33,"start":231.87999,"end":252.275},{"sentences":[{"text":"Still 30 thousand?","start":253.055,"end":254.11499,"sentiment":"neutral","sentiment_score":0.022529678729673226},{"text":"30,000.","start":255.375,"end":255.935,"sentiment":"neutral","sentiment_score":0.03187395632266998},{"text":"Yep.","start":255.935,"end":256.255,"sentiment":"neutral","sentiment_score":0.055124059319496155},{"text":"Okay.","start":256.255,"end":256.755,"sentiment":"neutral","sentiment_score":0.049766555428504944},{"text":"Yep.","start":257.535,"end":258.035,"sentiment":"neutral","sentiment_score":0.06274455040693283}],"sentiment":"neutral","sentiment_score":0.038156879666660516,"num_words":7,"start":253.055,"end":258.035},{"sentences":[{"text":"Yep.","start":267.43002,"end":267.93002,"sentiment":"neutral","sentiment_score":0.014308731071650982},{"text":"Yep.","start":268.15002,"end":268.65002,"sentiment":"neutral","sentiment_score":0.01665049046278},{"text":"Yes.","start":270.31003,"end":270.79,"sentiment":"neutral","sentiment_score":0.054866716265678406},{"text":"Yep.","start":270.79,"end":271.29,"sentiment":"neutral","sentiment_score":0.0926721692085266},{"text":"Yep.","start":272.445,"end":272.945,"sentiment":"neutral","sentiment_score":0.13293711841106415}],"sentiment":"neutral","sentiment_score":0.06228704508394003,"num_words":5,"start":267.43002,"end":272.945},{"sentences":[{"text":"Yes.","start":285.97998,"end":286.47998,"sentiment":"neutral","sentiment_score":0.08790235221385956},{"text":"Yep.","start":292.38,"end":292.88,"sentiment":"neutral","sentiment_score":0.03708244115114212},{"text":"Mhmm.","start":293.81998,"end":294.31998,"sentiment":"neutral","sentiment_score":0.057322338223457336},{"text":"Mhmm.","start":305.125,"end":305.365,"sentiment":"neutral","sentiment_score":0.013461328111588957},{"text":"Yep.","start":305.365,"end":305.865,"sentiment":"neutral","sentiment_score":0.003839730052277446}],"sentiment":"neutral","sentiment_score":0.039921637950465085,"num_words":5,"start":285.97998,"end":305.865},{"sentences":[{"text":"Yes.","start":319.79,"end":320.29,"sentiment":"neutral","sentiment_score":0.030094128102064133},{"text":"Yep.","start":328.06497,"end":328.38498,"sentiment":"neutral","sentiment_score":0.0974915474653244},{"text":"Because I'm not yep.","start":328.38498,"end":330.405,"sentiment":"neutral","sentiment_score":-0.006650511175394058},{"text":"Yep.","start":330.865,"end":331.26498,"sentiment":"neutral","sentiment_score":0.05178146809339523},{"text":"Nine foot nine four.","start":331.26498,"end":332.22498,"sentiment":"neutral","sentiment_score":0.05803236085921526}],"sentiment":"neutral","sentiment_score":0.034990412945097145,"num_words":11,"start":319.79,"end":332.22498},{"sentences":[{"text":"So yeah.","start":332.22498,"end":332.54498,"sentiment":"neutral","sentiment_score":0.24420583993196487},{"text":"That's great.","start":332.54498,"end":333.365,"sentiment":"positive","sentiment_score":0.5283688306808472},{"text":"Yeah.","start":333.50497,"end":333.745,"sentiment":"neutral","sentiment_score":0.2727735936641693},{"text":"Happy with 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sorry.","start":352.745,"end":353.065,"sentiment":"neutral","sentiment_score":-0.02590152621269226}],"sentiment":"neutral","sentiment_score":0.010220443486775222,"num_words":19,"start":345.21,"end":353.065},{"sentences":[{"text":"Which which one were you looking at?","start":353.065,"end":354.585,"sentiment":"neutral","sentiment_score":-0.030701458188039914},{"text":"Sorry.","start":354.585,"end":355.085,"sentiment":"neutral","sentiment_score":-0.04768215864896774},{"text":"I'll above that.","start":356.45166,"end":361.085,"sentiment":"neutral","sentiment_score":0.00838205156226953},{"text":"Yes.","start":362.025,"end":362.425,"sentiment":"neutral","sentiment_score":0.07138429582118988},{"text":"There it 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alright.","start":371.66998,"end":372.22998,"sentiment":"neutral","sentiment_score":-0.03740995656698942},{"text":"Yep.","start":372.22998,"end":372.55,"sentiment":"neutral","sentiment_score":0.0892050713300705},{"text":"Now I've got it.","start":372.55,"end":373.61,"sentiment":"neutral","sentiment_score":0.1191196758300066},{"text":"Yep.","start":382.555,"end":382.795,"sentiment":"positive","sentiment_score":0.3670712113380432}],"sentiment":"neutral","sentiment_score":0.0856303922418091,"num_words":9,"start":371.43,"end":382.795},{"sentences":[{"text":"Fantastic.","start":382.795,"end":383.295,"sentiment":"positive","sentiment_score":0.723246693611145},{"text":"I think so.","start":397.92,"end":398.56,"sentiment":"neutral","sentiment_score":0.10061591615279515},{"text":"Yeah.","start":398.56,"end":398.72,"sentiment":"neutral","sentiment_score":0.15299849212169647},{"text":"It's just that little bit of extra security there, then it's not really costing me a it shall have a lot at that at this moment.","start":398.72,"end":404.8,"sentiment":"neutral","sentiment_score":0.11086723580956459},{"text":"So and it's just a little bit extra security.","start":404.8,"end":406.98,"sentiment":"neutral","sentiment_score":0.10339790913793775}],"sentiment":"neutral","sentiment_score":0.12478055618703365,"num_words":40,"start":382.795,"end":406.98},{"sentences":[{"text":"Yep.","start":410.20502,"end":410.70502,"sentiment":"neutral","sentiment_score":0.19098888337612152},{"text":"Yes.","start":426.27,"end":426.77,"sentiment":"positive","sentiment_score":0.6492841243743896},{"text":"Mhmm.","start":431.07,"end":431.57,"sentiment":"neutral","sentiment_score":0.10986602306365968},{"text":"Well, that was gonna be another question that I was gonna sort of bring up today with you as well because I will have to sort of sit down and really work out with the assets that I have got.","start":449.445,"end":462.37,"sentiment":"neutral","sentiment_score":0.020236894208937883},{"text":"Will I be able to access any sort of benefits, like, as in the pension coming down the track?","start":463.22998,"end":469.565,"sentiment":"neutral","sentiment_score":0.033439281543618755}],"sentiment":"neutral","sentiment_score":0.03862840562097488,"num_words":62,"start":410.20502,"end":469.565},{"sentences":[{"text":"But that's not gonna be until another eight years because it's '60 was it '60?","start":469.565,"end":475.025,"sentiment":"neutral","sentiment_score":-0.08106773992379507},{"text":"'67.","start":475.405,"end":476.22498,"sentiment":"neutral","sentiment_score":-0.008639541454613209},{"text":"Yeah.","start":477.72498,"end":478.125,"sentiment":"neutral","sentiment_score":-0.005239872261881828},{"text":"Yeah.","start":478.125,"end":478.44498,"sentiment":"neutral","sentiment_score":-0.028565382584929463},{"text":"So I can't really access the pension to them, but and I I don't know with the super.","start":478.44498,"end":486.7,"sentiment":"neutral","sentiment_score":-0.18333053174946043}],"sentiment":"neutral","sentiment_score":-0.12662251296246219,"num_words":36,"start":469.565,"end":486.7},{"sentences":[{"text":"It'll come down to yeah.","start":489.16,"end":491.56,"sentiment":"neutral","sentiment_score":-0.11951899081468582},{"text":"When I don't know.","start":491.56,"end":492.84,"sentiment":"neutral","sentiment_score":-0.16576650366187096},{"text":"What am I now?","start":492.84,"end":493.48,"sentiment":"neutral","sentiment_score":-0.12393466010689735},{"text":"58, 59 this year.","start":493.48,"end":495.42,"sentiment":"neutral","sentiment_score":-0.03271911200135946},{"text":"I've made another probably three years, and I might seriously think about start selling the the investment property.","start":496.215,"end":503.275,"sentiment":"neutral","sentiment_score":-0.09511671318776077}],"sentiment":"neutral","sentiment_score":-0.10283933984381811,"num_words":35,"start":489.16,"end":503.275},{"sentences":[{"text":"And if I did that, well, I'd have money that I could probably I I could only put so much of that into the CP in a one month sum.","start":504.85498,"end":512.15,"sentiment":"neutral","sentiment_score":0.01728224369386832},{"text":"Yeah.","start":513.97003,"end":514.29004,"sentiment":"neutral","sentiment_score":0.04474256932735443},{"text":"So, yeah, probably in three years' time, I'll be, yeah, thinking about 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always sort of said that I'll keep it at that high growth until until about over 60.","start":563.14,"end":569.72003,"sentiment":"neutral","sentiment_score":0.20735107817583615},{"text":"And then I was gonna look at it after that, which we can still do that.","start":570.42,"end":575.48,"sentiment":"neutral","sentiment_score":0.2319617411121726},{"text":"And then we'll assess it again and see how everything's tracking with me.","start":576.635,"end":582.15497,"sentiment":"neutral","sentiment_score":0.21031900667227232},{"text":"And at this stage, I'm still fit healthy, and and and I can still run the business.","start":582.15497,"end":587.995,"sentiment":"positive","sentiment_score":0.3566494426306556},{"text":"So we'll just sort of keep it at this high growth until I turn 60.","start":587.995,"end":592.73,"sentiment":"neutral","sentiment_score":0.17573805550734203}],"sentiment":"neutral","sentiment_score":0.23894893302570416,"num_words":79,"start":563.14,"end":592.73},{"sentences":[{"text":"And then then after that, I will see how I go, and I might even still keep it into the high growth until I'm about 63.","start":592.95,"end":600.89,"sentiment":"neutral","sentiment_score":0.16640565630335075},{"text":"And that's when I'll start thinking about selling the like, selling the the 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one.","start":691.795,"end":701.71497,"sentiment":"neutral","sentiment_score":0.044011449068784715},{"text":"Let me just jump into that straight away.","start":701.71497,"end":704.21497,"sentiment":"neutral","sentiment_score":0.10959889739751816}],"sentiment":"neutral","sentiment_score":0.02180477657707848,"num_words":72,"start":669.425,"end":704.21497},{"sentences":[{"text":"So I've got $1.60 in term deposit at the moment.","start":708.98004,"end":711.88,"sentiment":"neutral","sentiment_score":0.11942024379968644},{"text":"Yep.","start":714.42004,"end":714.92004,"sentiment":"neutral","sentiment_score":0.05779122933745384},{"text":"And the other one, I haven't put into term deposit because I actually went to see my bank manager to sort of touch base with him to work out where things were sitting with them, loan taking out a loan.","start":714.98004,"end":727.325,"sentiment":"neutral","sentiment_score":-0.007833742722868919},{"text":"And I just thought I said, would it be better, official for me to take out a loan, keep my money in the bank, or use the money in my bank instead of taking out a loan to do these renovations?","start":727.325,"end":735.505,"sentiment":"neutral","sentiment_score":-0.023453474817116085},{"text":"And we went through it and and had a bit of a good look at it, and then he sort of said I'll be probably be be more beneficial for me to use the money in the bank with the interest rates and all the rest of it.","start":736.18005,"end":748.095,"sentiment":"neutral","sentiment_score":0.04108986724168062}],"sentiment":"neutral","sentiment_score":0.013924036560846226,"num_words":140,"start":708.98004,"end":748.095},{"sentences":[{"text":"So yeah.","start":749.295,"end":750.435,"sentiment":"neutral","sentiment_score":0.055204255506396294},{"text":"It 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mine.","start":772.3,"end":774.14,"sentiment":"neutral","sentiment_score":-0.053002399019896985},{"text":"The term deposit was $5.5.5, I think it was.","start":774.14,"end":777.36,"sentiment":"neutral","sentiment_score":0.02088771926032172}],"sentiment":"neutral","sentiment_score":-0.00006416851076586493,"num_words":29,"start":754.81494,"end":777.36},{"sentences":[{"text":"So yeah.","start":778.23505,"end":778.895,"sentiment":"neutral","sentiment_score":0.015245892107486725},{"text":"That was Bank SA.","start":779.35504,"end":780.575,"sentiment":"neutral","sentiment_score":0.038665623404085636},{"text":"Yeah.","start":783.03503,"end":783.53503,"sentiment":"neutral","sentiment_score":0.332306832075119},{"text":"Yeah.","start":807.595,"end":808.095,"sentiment":"neutral","sentiment_score":0.03430522233247757},{"text":"I think at this stage, I'm happy just to leave it where and as I said, because there's renovations that I wanna do, they're not gonna cost me a 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look into that and get them done as well.","start":1142.645,"end":1144.985,"sentiment":"positive","sentiment_score":0.568156623840332},{"text":"Yep.","start":1155.71,"end":1156.21,"sentiment":"neutral","sentiment_score":0.18836960196495056},{"text":"No.","start":1158.99,"end":1159.23,"sentiment":"neutral","sentiment_score":-0.014039209112524986},{"text":"I'm on this.","start":1159.23,"end":1159.97,"sentiment":"neutral","sentiment_score":-0.023633107154940564},{"text":"No.","start":1165.845,"end":1166.345,"sentiment":"neutral","sentiment_score":-0.06840391457080841}],"sentiment":"positive","sentiment_score":0.35728708720125724,"num_words":16,"start":1142.645,"end":1166.345},{"sentences":[{"text":"It's all good, I 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year.","start":1175.765,"end":1176.885,"sentiment":"neutral","sentiment_score":-0.004309988766908646}],"sentiment":"neutral","sentiment_score":0.04403426191386055,"num_words":17,"start":1166.645,"end":1176.885},{"sentences":[{"text":"Yep.","start":1176.885,"end":1177.385,"sentiment":"neutral","sentiment_score":0.10106512159109116},{"text":"Yep.","start":1190.9401,"end":1191.4401,"sentiment":"neutral","sentiment_score":0.19367307424545288},{"text":"Yep.","start":1206.035,"end":1206.515,"sentiment":"neutral","sentiment_score":0.09623320400714874},{"text":"Yep.","start":1206.515,"end":1206.835,"sentiment":"neutral","sentiment_score":0.11582839488983154},{"text":"That no worries.","start":1206.835,"end":1207.795,"sentiment":"neutral","sentiment_score":0.1330394744873047}],"sentiment":"neutral","sentiment_score":0.12941688831363404,"num_words":7,"start":1176.885,"end":1207.795},{"sentences":[{"text":"Yeah.","start":1207.795,"end":1208.035,"sentiment":"neutral","sentiment_score":0.08119595795869827},{"text":"I was I'm not quite sure what it is with the with the pension, and and so I've still got eight years to worry about that.","start":1208.035,"end":1214.6799,"sentiment":"neutral","sentiment_score":-0.07249214643469223},{"text":"So I'm not gonna worry too much about that until, yeah, that happens.","start":1214.6799,"end":1217.64,"sentiment":"neutral","sentiment_score":0.03073124702160175},{"text":"And I think I should be okay.","start":1217.64,"end":1219.5599,"sentiment":"neutral","sentiment_score":0.31668191296713694},{"text":"If if I decide to retire a little bit earlier, I can, yeah, probably manage.","start":1219.5599,"end":1224.5399,"sentiment":"neutral","sentiment_score":0.17761368900537491}],"sentiment":"neutral","sentiment_score":0.056078791738517826,"num_words":62,"start":1207.795,"end":1224.5399},{"sentences":[{"text":"So it should be okay.","start":1224.875,"end":1226.175,"sentiment":"neutral","sentiment_score":0.2806881248950958},{"text":"But now that'd be good if the next time next time we speak, we can then be a touch base then again.","start":1226.7151,"end":1231.295,"sentiment":"neutral","sentiment_score":0.13687338713895192},{"text":"Twelve months would be fine.","start":1238.64,"end":1240.18,"sentiment":"neutral","sentiment_score":0.1197005569934845},{"text":"Yep.","start":1251.52,"end":1252.02,"sentiment":"neutral","sentiment_score":0.05565984174609184},{"text":"Yep.","start":1255.865,"end":1256.365,"sentiment":"neutral","sentiment_score":0.10100319236516953}],"sentiment":"neutral","sentiment_score":0.1520535576650325,"num_words":34,"start":1224.875,"end":1256.365},{"sentences":[{"text":"And the only thing I'll ask is probably we'll make it to make the appointment maybe early June.","start":1256.5851,"end":1260.505,"sentiment":"neutral","sentiment_score":0.07038820017543104},{"text":"So that way, if I can transfer money over before the end of financial year, we can work out how much if I decide to do more.","start":1260.505,"end":1266.57,"sentiment":"neutral","sentiment_score":0.05806845281687048},{"text":"I mean, I know I can always bring up and ask like I did this year to work out how much I can do.","start":1266.57,"end":1272.03,"sentiment":"neutral","sentiment_score":0.042453303545092545},{"text":"But yeah.","start":1274.65,"end":1275.13,"sentiment":"neutral","sentiment_score":0.01832057721912861},{"text":"So that maybe the beginning of June.","start":1275.13,"end":1277.07,"sentiment":"neutral","sentiment_score":0.018905245965080603}],"sentiment":"neutral","sentiment_score":0.051572987057555184,"num_words":78,"start":1256.5851,"end":1277.07},{"sentences":[{"text":"Fantastic.","start":1284.855,"end":1285.355,"sentiment":"positive","sentiment_score":0.7239962816238403},{"text":"Yep.","start":1291.1749,"end":1291.6549,"sentiment":"positive","sentiment_score":0.4549119174480438},{"text":"Beautiful.","start":1291.6549,"end":1292.1549,"sentiment":"positive","sentiment_score":0.7856235504150391},{"text":"That sounds great.","start":1292.215,"end":1293.195,"sentiment":"positive","sentiment_score":0.8155724803606669},{"text":"No.","start":1296.39,"end":1296.55,"sentiment":"neutral","sentiment_score":-0.08490075170993805}],"sentiment":"positive","sentiment_score":0.6180497769798551,"num_words":7,"start":1284.855,"end":1296.55},{"sentences":[{"text":"No.","start":1296.55,"end":1296.71,"sentiment":"neutral","sentiment_score":-0.06919139623641968},{"text":"That's it.","start":1296.71,"end":1297.27,"sentiment":"neutral","sentiment_score":-0.010886602103710175},{"text":"Thank you.","start":1297.27,"end":1297.9299,"sentiment":"positive","sentiment_score":0.4106496274471283},{"text":"Yeah.","start":1310.365,"end":1310.4451,"sentiment":"neutral","sentiment_score":0.044832952320575714},{"text":"Yeah.","start":1310.4451,"end":1310.685,"sentiment":"neutral","sentiment_score":0.04079778119921684}],"sentiment":"neutral","sentiment_score":0.11656648399574417,"num_words":7,"start":1296.55,"end":1310.685},{"sentences":[{"text":"No worries.","start":1310.685,"end":1311.245,"sentiment":"neutral","sentiment_score":0.047856494784355164},{"text":"So do you need I will need to just hand that over to my accountant because I will send you one as well, won't they?","start":1311.245,"end":1317.585,"sentiment":"neutral","sentiment_score":0.022894433066248894},{"text":"Yep.","start":1319.645,"end":1320.145,"sentiment":"neutral","sentiment_score":0.06561608612537384},{"text":"Yep.","start":1324.46,"end":1324.96,"sentiment":"neutral","sentiment_score":0.07351428270339966},{"text":"Yep.","start":1331.8201,"end":1332.3201,"sentiment":"neutral","sentiment_score":0.0794985443353653}],"sentiment":"neutral","sentiment_score":0.029556757646302383,"num_words":30,"start":1310.685,"end":1332.3201},{"sentences":[{"text":"Yep.","start":1337.4551,"end":1337.855,"sentiment":"neutral","sentiment_score":0.13000431656837463},{"text":"No worries at all.","start":1337.855,"end":1338.8151,"sentiment":"neutral","sentiment_score":0.19367258995771408},{"text":"I'll look keep an eye out for it.","start":1338.8151,"end":1340.255,"sentiment":"neutral","sentiment_score":0.14438865892589092},{"text":"I haven't received anything as today.","start":1340.255,"end":1343.3151,"sentiment":"neutral","sentiment_score":-0.24711359292268753},{"text":"So but yeah.","start":1343.375,"end":1345.055,"sentiment":"neutral","sentiment_score":-0.08727426578601201}],"sentiment":"neutral","sentiment_score":0.014331799677827141,"num_words":22,"start":1337.4551,"end":1345.055},{"sentences":[{"text":"No.","start":1345.055,"end":1345.2151,"sentiment":"neutral","sentiment_score":-0.2177239805459976},{"text":"No.","start":1345.2151,"end":1345.4551,"sentiment":"neutral","sentiment_score":-0.2152470350265503},{"text":"All good.","start":1345.4551,"end":1346.115,"sentiment":"neutral","sentiment_score":0.21665530651807785},{"text":"Excellent.","start":1355.9199,"end":1356.4199,"sentiment":"positive","sentiment_score":0.7921767830848694},{"text":"Thank you very much, Tommy.","start":1356.48,"end":1357.44,"sentiment":"positive","sentiment_score":0.8556249022483826}],"sentiment":"positive","sentiment_score":0.507064089179039,"num_words":10,"start":1345.055,"end":1357.44},{"sentences":[{"text":"You have a great day.","start":1357.44,"end":1358.58,"sentiment":"positive","sentiment_score":0.8349816799163818},{"text":"Bye.","start":1360.7999,"end":1361.2999,"sentiment":"positive","sentiment_score":0.4403879642486572}],"sentiment":"positive","sentiment_score":0.7692160606384277,"num_words":6,"start":1357.44,"end":1361.2999}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Tommy, is\n\nChannel 0: Hey, Belinda. It is Tommy again. How are you going?\n\nChannel 1: it? Yeah. Good. Thank you.\n\nChannel 0: Great to hear. Great to hear. Have you got a bit of time now? Is now a good time for you?\n\nChannel 1: Yes. I have.\n\nChannel 0: Fantastic. So I'm gonna pop through to your email address, this annual review pack. And\n\nChannel 1: Yep.\n\nChannel 0: while I do that, I just wanted to confirm if you remember your client password for security.\n\nChannel 1: Lou.\n\nChannel 0: That's the one. Thank you so much for that. Do you want me to put down any password prompt as a reminder in case you forget down the line, or is this one just kind of so\n\nChannel 1: No.\n\nChannel 0: simple\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: should\n\nChannel 0: you'll\n\nChannel 1: be okay.\n\nChannel 0: never forget?\n\nChannel 1: Yeah. It should be okay.\n\nChannel 0: Perfect. Perfect. Now just to let you know, as always, calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105.\n\nChannel 1: No worries.\n\nChannel 0: Now,\n\nChannel 1: Okay.\n\nChannel 0: Belinda,\n\nChannel 1: So I've got\n\nChannel 0: that should\n\nChannel 1: your\n\nChannel 0: come\n\nChannel 1: email.\n\nChannel 0: through yep.\n\nChannel 1: Yep. I've got it.\n\nChannel 0: There should be a couple of attachments at the bottom, kind of like a\n\nChannel 1: Mhmm.\n\nChannel 0: normal email with PDFs.\n\nChannel 1: Yep.\n\nChannel 0: And then when you hit the sign button, it brings up the annual review pack for us to go over together just so we\n\nChannel 1: Okay.\n\nChannel 0: can have\n\nChannel 1: So\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: scroll\n\nChannel 1: just,\n\nChannel 0: through,\n\nChannel 1: yep,\n\nChannel 0: make sure\n\nChannel 1: so\n\nChannel 0: you're\n\nChannel 1: you want\n\nChannel 0: comfortable.\n\nChannel 1: me to go to this you want me to go down to the three attachments?\n\nChannel 0: If you go through to the three attachments, I just want you to quickly look at that super and insurance summary first.\n\nChannel 1: Oh, yep. There it is, the second one. Yep.\n\nChannel 0: Yep. So this is basically what I'm focusing on for the review. I do have the notes about your contributions, but it's basically\n\nChannel 1: Mhmm.\n\nChannel 0: just this is where your hub's sitting at currently, and this is that\n\nChannel 1: Yep.\n\nChannel 0: attached insurances that are left over after the\n\nChannel 1: Mhmm.\n\nChannel 0: income protection got canceled. So that's my focus. Is there anything in particular that you would like to get out of today's review, Belinda?\n\nChannel 1: No. I think, yeah, I think it's sort of on on track. I'll still sort of keep it where it is at the moment in that that's what's the high risk, whatever you call it. It's yeah. I think I'm still happy for it to be there.\n\nAnd, yeah, hopefully, yeah, things will start bouncing back a bit better, a little bit\n\nChannel 0: Yeah.\n\nChannel 1: more.\n\nChannel 0: Absolutely. Bit of a high growth approach still okay for you.\n\nChannel 1: Yeah. Yeah. It is. Now just with the the life and the TPT, is there somewhere on my policy that states that the beneficiaries are? I'm pretty sure it is, but I always like to ask.\n\nChannel 0: Yes. Yeah. So\n\nChannel 1: Mhmm.\n\nChannel 0: when you have the attached group cover, it combines with the one nomination for both the super and the life insurance with the same fund. So\n\nChannel 1: Yep.\n\nChannel 0: you've got the two kids split fifty fifty, Bella and Daniel.\n\nChannel 1: Yep.\n\nChannel 0: They're\n\nChannel 1: Mhmm.\n\nChannel 0: the beneficiaries for both the super and the life insurance.\n\nChannel 1: Beautiful. No worries.\n\nChannel 0: Cool. And is that still current for you? That's okay?\n\nChannel 1: Well, probably the life insurance because if any happens to me, I'll say I'm not gonna be able to use it. But the TCP, that's probably more so it should be my name because everything happens to me. I need to access that, don't I?\n\nChannel 0: Yeah. That's exactly right. So there's only beneficiaries for life insurance and super. The TBD, you are the life insured. So\n\nChannel 1: Beautiful.\n\nChannel 0: if\n\nChannel 1: No.\n\nChannel 0: something\n\nChannel 1: That's\n\nChannel 0: happens\n\nChannel 1: good.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: you, you're the one\n\nChannel 1: No. That's I just\n\nChannel 0: who\n\nChannel 1: wasn't I wasn't a 100% sure. I thought,\n\nChannel 0: gets\n\nChannel 1: yeah, I just wanted to check and make\n\nChannel 0: paid.\n\nChannel 1: sure that I'm on the same page. That's good.\n\nChannel 0: Oh, fantastic. Fantastic question. And I just wanted to touch base with you quickly on those contributions that you made for end of financial year.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So that's all come through all all good. We're just waiting for Hub to give us the confirmation letter that they've processed it with the ATO. So\n\nChannel 1: Yep.\n\nChannel 0: that's usually like it'll probably be there, like, tomorrow. So as long as you don't accidentally submit your tax return tomorrow on the July 1 before that comes through, you should be okay. Not that\n\nChannel 1: No.\n\nChannel 0: many people are ready to hit the button tomorrow morning, but\n\nChannel 1: I'm pretty sure they just done last year's tax, so who my accountant is.\n\nChannel 0: yeah. So a bit of time left over. That'll come through very, very soon. And\n\nChannel 1: Yep.\n\nChannel 0: that's claimed both the 10,000 and the regular 500 that you've been doing.\n\nChannel 1: Yes. No worries.\n\nChannel 0: Perfect.\n\nChannel 1: And that\n\nChannel 0: Now\n\nChannel 1: has hasn't changed to how much you can put in yourself per year?\n\nChannel 0: yeah. It's\n\nChannel 1: Still\n\nChannel 0: gone\n\nChannel 1: 30\n\nChannel 0: up to\n\nChannel 1: thousand?\n\nChannel 0: 32 and a half next year.\n\nChannel 1: 30,000. Yep. Okay.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: So I just wanted to note down four, like, updated projections in your file. Do you want me to leave it as the 500 regular still and then potential\n\nChannel 1: Yep.\n\nChannel 0: end\n\nChannel 1: Yep.\n\nChannel 0: of financial year lump sums?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: There's one thing I wanted to just flag with you for the super. Can you have a look at that other attachment there? It's got the IRR performance.\n\nChannel 1: Yes.\n\nChannel 0: And just when you get that open, it should be a really big table full of 50,000,000\n\nChannel 1: Yep.\n\nChannel 0: figures on it.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. So first page is all the individual investment options we've built your portfolio out of, and the second page is the portfolio as a whole when it all is said and done.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: the only thing I wanna point out here is that even though high growth is still good for you, all seven, eight options have been doing fantastic except for that one at the top, which is that Benelon option, which has kind of dragged its feet quite a bit.\n\nChannel 1: Yes.\n\nChannel 0: Overall, on page two on the very right hand side, you can see that you still cleared a 10% return after fees. So pretty\n\nChannel 1: Yep.\n\nChannel 0: much\n\nChannel 1: Because\n\nChannel 0: bang on\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: not\n\nChannel 0: benchmark for high\n\nChannel 1: yep.\n\nChannel 0: growth.\n\nChannel 1: Yep. Nine foot nine four. So yeah. That's great. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Happy\n\nChannel 0: So\n\nChannel 1: with that.\n\nChannel 0: I'm gonna keep an eye on that Benelon option. And if next time I speak to you, it hasn't picked up its feet, I'm probably gonna just look for a replacement option and do a bit of an engine tune up.\n\nChannel 1: Yep. No worries. Because there's two\n\nChannel 0: Yep.\n\nChannel 1: there, isn't there? Better Bank and Better Global.\n\nChannel 0: Wait. Sorry.\n\nChannel 1: Are\n\nChannel 0: Can\n\nChannel 1: they\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: say\n\nChannel 1: three?\n\nChannel 0: that again?\n\nChannel 1: Oh, sorry. Which which one were you looking at? Sorry.\n\nChannel 0: Oh, even above there. So\n\nChannel 1: I'll\n\nChannel 0: beta bank and beta global, the one above that where it's got managed\n\nChannel 1: above\n\nChannel 0: funds\n\nChannel 1: that.\n\nChannel 0: been along\n\nChannel 1: Yes. There it is. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Got it.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: the one. If you look at the very right hand side, it's got performance in brackets, which means that one's going down, whereas everything\n\nChannel 1: Yep.\n\nChannel 0: below it has gone up.\n\nChannel 1: Got it. No. That's alright.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Now I've got it.\n\nChannel 0: Cool. So I'm gonna put a flag on that one. And, again, if that doesn't kind of come back to the pack a little bit, next time we speak, we're gonna update that one.\n\nChannel 1: Yep. Fantastic.\n\nChannel 0: Cool. So outside of that, I did wanna ask you, with the life and TPD, it sounds like you still value keeping it there. There was a note that you might, you know, get rid of it after a period of time or a year or two. Do you want me to just kind of leave it as is for now?\n\nChannel 1: I think so. Yeah. It's just that little bit of extra security there, then it's not really costing me a it shall have a lot at that at this moment. So and it's\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: It's\n\nChannel 1: a\n\nChannel 0: like\n\nChannel 1: little\n\nChannel 0: 40\n\nChannel 1: bit extra\n\nChannel 0: five\n\nChannel 1: security.\n\nChannel 0: a month. You get a 15% rebate off of that.\n\nChannel 1: Yep.\n\nChannel 0: Not too bad. And you're in a really good asset position in terms of your I know you updated everything pretty well with Michelle, but last time we checked, you had the home, the the Airbnb business, the caravan, the vehicle, the term deposits, and everything. So\n\nChannel 1: Yes.\n\nChannel 0: it looks like you're getting very close and comfortable to the point. I did\n\nChannel 1: Mhmm.\n\nChannel 0: wanna ask you two questions. So because you have a lot of assets and your super is building up and and you're catching it up, how long are you expecting to be contributing and working to the super before you wanna start accessing it and just hanging up the boots?\n\nChannel 1: Well, that was gonna be another question that I was gonna sort of bring up today with you as well because I will have to sort of sit down and really work out with the assets that I have got. Will I be able to access any sort of benefits, like, as in the pension coming down the track? But that's not gonna be until another eight years because\n\nChannel 0: Yep.\n\nChannel 1: it's '60 was it '60? '67.\n\nChannel 0: Sixty '7.\n\nChannel 1: Yeah. Yeah. So I can't really access the pension to them, but and I I don't know with the super. It'll come down to yeah. When I don't know.\n\nWhat am I now? 58, 59 this year. I've made another probably three years, and I might seriously think about start selling the the investment property.\n\nChannel 0: Yep.\n\nChannel 1: And if I did that, well, I'd have money that I could probably I I could only put so much of that into the CP in a one month sum. Yeah. So, yeah, probably in three years' time, I'll be, yeah, thinking about it.\n\nChannel 0: Cool. So what one thing we can do then is let's say in three years' time, there is a property sale. We would basically look back the last five financial years and see how much you've got contribution caps to carry forward to kind of cap you off just before retirement. And in a lot of people's circumstances, when super is their main asset, we've reduced their risk level down so that you don't have the stock market crashing. They've got a million dollars, and next thing you know, they've got 400, and\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: can't\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: afford to live. But you've got most of your assets held personally\n\nChannel 1: Mhmm.\n\nChannel 0: and through business. So I just wanna reflect that, normally, I would be reducing your risk level down. But if you wanna keep\n\nChannel 1: Yeah.\n\nChannel 0: that growing for a few more years and it's not your main source of retirement, I'm okay with that if you are.\n\nChannel 1: Yeah. I always sort of said that I'll keep it at that high growth until until about over 60.\n\nChannel 0: Yep.\n\nChannel 1: And then I was gonna look at it after that, which we can still do that. And then we'll assess it again and see how everything's tracking with me. And at this stage, I'm still fit healthy, and and and I can still run the business. So we'll just sort\n\nChannel 0: Yeah.\n\nChannel 1: of keep it at this high growth until I turn 60. And then then after that, I will see how I go, and I might even still keep it into the high growth until I'm about 63. And that's when I'll start thinking about selling the like, selling the the business.\n\nChannel 0: Yep. Perfect. So just as a bit of a reminder, the the high growth risk profile, usually, it's recommended to have at least a decade to invest into those types of risk levels unless you've got significant assets, which you do. And, basically, what I would do is when you get to your next review, we would talk through transition to retirement strategies for when you hit 60 and whether that's, you know, pull a bit of money out of super and put it back in again for that tax deductible\n\nChannel 1: Yep.\n\nChannel 0: contribution. And there's just a few extra things that we can do to boost it up in those last few years as well. So I'm gonna kind of just stagger it out a little bit in terms of the strategies that we're gonna revisit.\n\nChannel 1: Yes. No. That'd be great. Yep.\n\nChannel 0: Perfect. Outside of that, goals wise, so obviously, you've got the focus on the next few years. You've been building up your savings, con contributing to super. There's the ideal retirement, let's say, around the 67 mark, combined assets. Anything else that you're focusing on for the next one to three years?\n\nChannel 1: No. Not really. No. Just I've got some money that was in a term deposit, which I'm gonna take out, and that's gonna be used to do some renovations on\n\nChannel 0: Yep.\n\nChannel 1: the house. And then, like, this basic renovations, but once they're done, I shouldn't have to spend any more money on the house another ten years, so to speak.\n\nChannel 0: Perfect.\n\nChannel 1: You know,\n\nChannel 0: So\n\nChannel 1: once\n\nChannel 0: for the term\n\nChannel 1: yeah.\n\nChannel 0: deposits,\n\nChannel 1: We\n\nChannel 0: I think you had a 150 and one and 40 in the other. Do you know roughly what they're sitting at now?\n\nChannel 1: I've just reinvested one. Let me just jump into that straight\n\nChannel 0: Thank\n\nChannel 1: away.\n\nChannel 0: you. Appreciate that.\n\nChannel 1: So I've got $1.60 in term deposit at the moment.\n\nChannel 0: $1.60.\n\nChannel 1: Yep. And the other one, I haven't put into term deposit because I actually went to see my bank manager to sort of touch base with him to work out where things were sitting with them, loan taking out a loan. And I just thought I said, would it be better, official for me to take out a loan, keep my money in the bank, or use the money in my bank instead of taking out a loan to do these renovations? And we went through it and and had a bit of a good look at it, and then he sort of said I'll be probably be be more beneficial for me to use the money in the bank with the interest rates and all the rest of it.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: So it's just\n\nChannel 1: yeah.\n\nChannel 0: in high interest savings at the moment.\n\nChannel 1: It is. Yeah. Yep. Yep. So and\n\nChannel 0: K.\n\nChannel 1: there's\n\nChannel 0: Would that\n\nChannel 1: a\n\nChannel 0: be\n\nChannel 1: 100 in that one.\n\nChannel 0: A 100 and that one. Thank you. Alright. So I updated those two. Look.\n\nSavings rates are really good at the moment. I can I know most of the banks are hitting that 5% or above?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: It's\n\nChannel 1: I reckon\n\nChannel 0: not\n\nChannel 1: I saw I got\n\nChannel 0: really\n\nChannel 1: with one of mine. The term deposit was $5.5.5, I think it was.\n\nChannel 0: Yeah. Who are you\n\nChannel 1: So\n\nChannel 0: with?\n\nChannel 1: yeah. That was Bank SA.\n\nChannel 0: Oh, yeah. Okay. They're pretty good for it.\n\nChannel 1: Yeah.\n\nChannel 0: Look. A lot of people asked me five, ten years ago what you know, how to get higher interest and invest money because the banks were paying zero to 2% at the time. But, realistically, if you're getting five and a half and the stock market's not really looking like it's gonna get anything between seven and nine as an average, there's really no point taking on risk and looking at other types of investments, I think, at this\n\nChannel 1: Yeah.\n\nChannel 0: point, especially if you need to access the funds and you prefer to keep it safe and growing. So I just wanted to ask the question if you wanted investment advice or were you happy to leave it in those two structures?\n\nChannel 1: I think at this stage, I'm happy just to leave it where and as I said,\n\nChannel 0: Yeah.\n\nChannel 1: because there's renovations that I wanna do, they're not gonna cost me a lot. But, yeah, there's a little bit of work. I live next to the river, so there's a little bit of work that needs to be done down the bottom, and that can always you just never know what else did I find down there. So, you know, I might end up spending, you know, $50,000 on the renovations in it that I wanna get done across\n\nChannel 0: So\n\nChannel 1: whatever\n\nChannel 0: it's\n\nChannel 1: they've\n\nChannel 0: anywhere\n\nChannel 1: sort of\n\nChannel 0: between\n\nChannel 1: find up.\n\nChannel 0: 10 and 50.\n\nChannel 1: Yeah. Yeah. Yeah. So I just yeah. It depends on how far I can go and and do what I can get to do the jobs.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: but yeah. But no.\n\nChannel 0: Alright.\n\nChannel 1: That'd be good. I'll I'll and I'm happy to sort of keep that like that. So that way, I've got that cash sitting there if I need to access it without going too much trouble to get money out.\n\nChannel 0: That's what I'm thinking. It gives you that you're almost creating your own bucket strategy five years ahead of time where you've got here's this much in cash. This is in some fixed interest locked away term deposit. Then you've got the super and the investment property as your more longer term growth assets, and you kind of split it into the three. You've got something for twelve months, something for one to three years, and something for everything after that and longer term.\n\nSo just rebuilding this bucket strategy is gonna be the best for you, especially by the time you do hit\n\nChannel 1: Yep.\n\nChannel 0: 67. Preempting it's a great idea.\n\nChannel 1: Yep. Yep. Okay. Yep. No worries.\n\nChannel 0: Cool. So outside of that, we're basically gonna come back to a few step approach. 60, we'll look at TTRs. 63, we'll look at property. 67, we'll look at pension and Centrelink and and full retirement.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, the only other question I had was just around estate planning. Because your beneficiary's in place, did you have the will in place enough to date?\n\nChannel 1: I have got the wheel. Has been done probably three years ago.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I do have a grandchild at this which is probably the only difference at this stage. So, yeah, I would like to probably have them give that another twelve months and probably look at just, yeah, working out what I have got mobile and and all the change in it or yeah. Just keeping up to date and just review it every couple of years.\n\nChannel 0: Yeah. Sensational. Do you remember if you put in place, like, a power of attorney\n\nChannel 1: No.\n\nChannel 0: when you\n\nChannel 1: I\n\nChannel 0: did\n\nChannel 1: haven't\n\nChannel 0: the?\n\nChannel 1: done any of those yet. No.\n\nChannel 0: Will? Okay. So that's probably one I would remind you to tick off on, especially if you update the will next year is\n\nChannel 1: Yep.\n\nChannel 0: just having that trusted person who can talk to the doctors, access the bank accounts, keep things getting paid and moving for you if you're\n\nChannel 1: Yep.\n\nChannel 0: in a coma or something.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. And there's a health one too, isn't there?\n\nLike, I'm sorry. The power of attorney is probably not on his bill.\n\nChannel 0: Yeah. So in Queensland, it's both combined. I'm gonna quickly check for South Australia. Does South Australia split medical and financial power of attorney? Because alright.\n\nI'll I'll double check the states there, but sometimes you can do one that covers both for the state, but it is dependent on state law whether you have\n\nChannel 1: Yep.\n\nChannel 0: to have the medical or financial or both. But it's\n\nChannel 1: Okay.\n\nChannel 0: worth\n\nChannel 1: Yep.\n\nChannel 0: just you know, you look at the trustee website online for South Australia. And if you bear with me for a moment, I can figure that out for you.\n\nChannel 1: Thanks.\n\nChannel 0: Just while I'm doing that, I just wanna let you know what's come through in that email pack that you're going through currently just while I get this information. We update our financial services guide every year, so licensing information and things like that.\n\nChannel 1: Yes. Yep.\n\nChannel 0: In addition to that, we're going to be updating our fee structure next year to incorporate a tiered fee structure. So what\n\nChannel 1: No. Okay.\n\nChannel 0: normally happens with us is you've got that 1.65%. And once you hit a cap level of 600,000, it kind of flatlines. But what we're doing next year is when you're above 200,000, we're gonna start stepping people down with fee discounts for every couple of\n\nChannel 1: Oh,\n\nChannel 0: 100\n\nChannel 1: okay.\n\nChannel 0: thousand after that.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: So it'll give you some benefit when you hit that level, which you're you'll be getting close to with your contribution. So whether it's twelve, twenty four months,\n\nChannel 1: Yeah.\n\nChannel 0: you will probably start to benefit to that as we transition you into those pension strategies I was talking about.\n\nChannel 1: Yeah. So probably not be next year because what I got my sleep is $1.20. Even if I add another 30, it's starting around fifteen ten\n\nChannel 0: Yeah.\n\nChannel 1: percent on top of that.\n\nChannel 0: Max\n\nChannel 1: Yeah.\n\nChannel 0: growth\n\nChannel 1: So\n\nChannel 0: on\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: probably\n\nChannel 0: 20 30, so 24\n\nChannel 1: yeah.\n\nChannel 0: month monthly.\n\nChannel 1: Yep.\n\nChannel 0: Here it is. So I did remember this. The South Australia has an enduring power of attorney for financial and legal, and for health, it's an advanced care directive.\n\nChannel 1: Okay. Advanced. Yeah. Okay. Yep.\n\nSo the power of attorney and medical sort of all in one, and then your no. Advanced Care. Sorry. Yep. Okay.\n\nChannel 0: Yeah. So if they\n\nChannel 1: Enjoy.\n\nChannel 0: split it, financial and legal is enduring power of attorney. Advanced care directive is the who can talk to the doctors and medical treatment, accommodation, aged care, all that kind of thing.\n\nChannel 1: Yeah. Yep. Cool. I'll look into that and get them done as well.\n\nChannel 0: Perfect. I'll make a few notes on file. So if you ever call up and ask any questions about it, the team can see that in your state, it's kind of like will power of attorney events care directive. And that way,\n\nChannel 1: Yep.\n\nChannel 0: I've just attached that note to your profile.\n\nChannel 1: No. I'm on this.\n\nChannel 0: Alright. Outside of that, Belinda, any questions for me so far?\n\nChannel 1: No. It's all good, I think.\n\nChannel 0: K. Are you still paying yourself about 45 in terms of the wages from the business?\n\nChannel 1: Yeah. Roughly. It depends on the\n\nChannel 0: Yep.\n\nChannel 1: yeah. It depends on the year. Yep.\n\nChannel 0: Yep. Easy done. That's pretty much it. So I'll leave that annual review pack with you if you're comfortable with everything as it is. I've put a few flags in there to look at that investment next time we speak, look at\n\nChannel 1: Yep.\n\nChannel 0: some other contribution and pension strategies after that. Property at 63, retirement at 67, and Centrelink, and keep the insurances going, update the estate plan, and it should be good to go. Oh, and the renovations.\n\nChannel 1: Yep. Yep. That no worries. Yeah. I was I'm not quite sure what it is with the with the pension, and and so I've still got eight years to worry about that.\n\nSo I'm not gonna worry too much about that until, yeah, that happens. And I think I should be okay. If if I decide to retire a little bit earlier, I can, yeah, probably manage. So it should be okay. But now\n\nChannel 0: And\n\nChannel 1: that'd be\n\nChannel 0: if\n\nChannel 1: good\n\nChannel 0: you\n\nChannel 1: if\n\nChannel 0: get\n\nChannel 1: the next time next time we speak, we can then be a touch base then again.\n\nChannel 0: yeah. And would you prefer that to be just a usual twelve month review? Would you want me to pencil something in a little bit earlier?\n\nChannel 1: Twelve months would be fine.\n\nChannel 0: Cool. When you get a bit closer to that pension age, we're pretty much gonna be doing, like, a a revolving analysis to see how you're looking Centrelink wise, what you can and can't access. And if there is\n\nChannel 1: Yep.\n\nChannel 0: a few strategies to shuffle things around, I'll go through that with you as well.\n\nChannel 1: Yep. And the only thing I'll ask is probably we'll make it to make the appointment maybe early June. So that way, if I can transfer money over before the end of financial year, we can work out how much if I decide to\n\nChannel 0: Yeah.\n\nChannel 1: do more. I mean, I know I can always bring up and ask like I did this year to work out how much I can do. But yeah. So that maybe the beginning of June.\n\nChannel 0: Yeah. No. That's amazing. What I'll do is I'll put in a reminder for the team towards the end of May just to start reaching out to book something in. And then\n\nChannel 1: Fantastic.\n\nChannel 0: that way, we've got enough time to find a time to speak, go through the ideas and strategies and advice together.\n\nChannel 1: Yep. Beautiful. That sounds great.\n\nChannel 0: Amazing. Well, any questions for me before I let you go?\n\nChannel 1: No. No. That's it. Thank you.\n\nChannel 0: Awesome. Again, keep an eye out for that notice of intent to claim confirmation. As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return.\n\nChannel 1: Yeah. Yeah. No worries. So do you need I will need to just hand that over to my accountant because I will send you one as well, won't they?\n\nChannel 0: Yeah. That's right. So that confirmation\n\nChannel 1: Yep.\n\nChannel 0: basically says, here's what went in. Here's what is getting claimed. And that information,\n\nChannel 1: Yep.\n\nChannel 0: they can just feed directly into the return and say, okay. It's the 10 and the six or fifteen, sixteen, and they can just\n\nChannel 1: Yep.\n\nChannel 0: plug that in as they do the tax return. So it's the handiest thing to bring with you. It's like a one pager.\n\nChannel 1: Yep. No worries at all. I'll look keep an eye out for it. I haven't received anything as today. So but yeah.\n\nNo. No. All good.\n\nChannel 0: Awesome. Well, now look, thank you so much for taking the time. I've put a bit of a reminder in to check that tomorrow. But if you need anything else in between, just give us a call.\n\nChannel 1: Excellent. Thank you very much, Tommy. You have a great day.\n\nChannel 0: You too, brother. Thank you so much.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.32,"end":0.64,"sentiment":"neutral","sentiment_score":0.05175454914569855},{"text":"Tommy, is","start":0.64,"end":1.46,"sentiment":"neutral","sentiment_score":0.0402870811522007}],"sentiment":"neutral","sentiment_score":0.044109570483366646,"channel":1,"num_words":3,"start":0.32,"end":1.46},{"sentences":[{"text":"Hey, Belinda.","start":1.92,"end":2.72,"sentiment":"neutral","sentiment_score":0.08260826393961906},{"text":"It is Tommy again.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.09166895225644112},{"text":"How are you 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a bit of time now?","start":8.32,"end":10.16,"sentiment":"neutral","sentiment_score":0.2054345216602087},{"text":"Is now a good time for you?","start":10.16,"end":11.78,"sentiment":"neutral","sentiment_score":0.24192809419972555}],"sentiment":"positive","sentiment_score":0.3458385297230312,"channel":0,"num_words":21,"start":7.12,"end":11.78},{"sentences":[{"text":"Yes.","start":11.36,"end":11.679999,"sentiment":"neutral","sentiment_score":0.24098268151283264},{"text":"I have.","start":11.679999,"end":12.42,"sentiment":"neutral","sentiment_score":0.3081842362880707}],"sentiment":"neutral","sentiment_score":0.285783718029658,"channel":1,"num_words":3,"start":11.36,"end":12.42},{"sentences":[{"text":"Fantastic.","start":13.215,"end":13.715,"sentiment":"positive","sentiment_score":0.6068490743637085},{"text":"So I'm gonna pop through to your email address, this annual review 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a reminder in to check that tomorrow.","start":1349.1799,"end":1351.6,"sentiment":"neutral","sentiment_score":0.22308851902683577},{"text":"But if you need anything else in between, just give us a call.","start":1352.025,"end":1355.485,"sentiment":"neutral","sentiment_score":0.19039835265049568}],"sentiment":"positive","sentiment_score":0.3401990718132741,"channel":0,"num_words":37,"start":1346.54,"end":1355.485},{"sentences":[{"text":"Excellent.","start":1355.9199,"end":1356.4199,"sentiment":"positive","sentiment_score":0.7921767830848694},{"text":"Thank you very much, Tommy.","start":1356.48,"end":1357.44,"sentiment":"positive","sentiment_score":0.8556249022483826},{"text":"You have a great day.","start":1357.44,"end":1358.58,"sentiment":"positive","sentiment_score":0.8349816799163818}],"sentiment":"positive","sentiment_score":0.8404736085371538,"channel":1,"num_words":11,"start":1355.9199,"end":1358.58},{"sentences":[{"text":"You too, 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updating retirement plans and investment opportunities. They also discuss the benefits of reducing risk levels and maintaining healthy retirement goals. The speaker provides information on retirement plans and advises the caller to update their estate plans and will. They offer to answer any questions and schedule a call for the next day to provide regular reviews."},"intents":{"segments":[{"text":"while I do that, I just wanted to confirm if you remember your client password for security. Lou.","start_word":58,"end_word":75,"intents":[{"intent":"Confirm password","confidence_score":0.7111765}]},{"text":"can have So a I scroll just, through, yep, make sure so you're you want comfortable. me to go to this you want me to go down to the three attachments? If you go through to the three attachments, I just want you to quickly look at that super and insurance summary first. 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Not that No.","start_word":705,"end_word":731,"intents":[{"intent":"Confirm tax return submission","confidence_score":0.027357263}]},{"text":"So I just wanted to note down four, like, updated projections in your file. Do you want me to leave it as the 500 regular still and then potential Yep. end Yep. of financial year lump sums? Yes.","start_word":825,"end_word":862,"intents":[{"intent":"Note projections","confidence_score":0.4135109}]},{"text":"There's one thing I wanted to just flag with you for the super. Can you have a look at that other attachment there?","start_word":866,"end_word":888,"intents":[{"intent":"Flag attachment","confidence_score":0.6909649},{"intent":"Check attachment and portfolio","confidence_score":0.00008074994}]},{"text":"Overall, on page two on the very right hand side, you can see that you still cleared a 10% return after fees. So pretty Yep.","start_word":1003,"end_word":1027,"intents":[{"intent":"Confirm average return rate","confidence_score":0.000057515816}]},{"text":"So because you have a lot of assets and your super is building up and and you're catching it up, how long are you expecting to be contributing and working to the super before you wanna start accessing it and just hanging up the boots?","start_word":1427,"end_word":1471,"intents":[{"intent":"Share assets and plans","confidence_score":0.00038750883}]},{"text":"And, basically, what I would do is when you get to your next review, we would talk through transition to retirement strategies for when you hit 60 and whether that's, you know, pull a bit of money out of super and put it back in again for that tax deductible Yep. contribution.","start_word":1971,"end_word":2022,"intents":[{"intent":"Manage retirement strategy","confidence_score":0.00845625}]},{"text":"You've been building up your savings, con contributing to super.","start_word":2090,"end_word":2099,"intents":[{"intent":"Build up savings","confidence_score":0.012291605}]},{"text":"There's the ideal retirement, let's say, around the 67 mark, combined assets.","start_word":2099,"end_word":2110,"intents":[{"intent":"Provide retirement assets","confidence_score":0.0676893}]},{"text":"I've just reinvested one. Let me just jump into that straight Thank away.","start_word":2217,"end_word":2229,"intents":[{"intent":"Reinvest money","confidence_score":0.12478365}]},{"text":"Savings rates are really good at the moment. I can I know most of the banks are hitting that 5% or above? Yeah. Yep.","start_word":2418,"end_word":2441,"intents":[{"intent":"Check bank interest rates","confidence_score":0.00054018456}]},{"text":"They're pretty good for it. Yeah. 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Yeah.","start_word":3138,"end_word":3159,"intents":[{"intent":"Check health insurance","confidence_score":0.2281488}]},{"text":"I'll make a few notes on file. So if you ever call up and ask any questions about it, the team can see that in your state, it's kind of like will power of attorney events care directive. And that way, Yep.","start_word":3586,"end_word":3627,"intents":[{"intent":"Make notes","confidence_score":0.083662264}]},{"text":"Outside of that, Belinda, any questions for me so far?","start_word":3641,"end_word":3650,"intents":[{"intent":"Ask questions","confidence_score":0.26356965}]},{"text":"Are you still paying yourself about 45 in terms of the wages from the business? Yeah. Roughly.","start_word":3658,"end_word":3674,"intents":[{"intent":"Look at asset","confidence_score":0.0033000067}]},{"text":"So I'll leave that annual review pack with you if you're comfortable with everything as it is.","start_word":3694,"end_word":3710,"intents":[{"intent":"Leave annual review","confidence_score":0.520072}]},{"text":"If if I decide to retire a little bit earlier, I can, yeah, probably manage. So it should be okay.","start_word":3818,"end_word":3837,"intents":[{"intent":"Plan retirement","confidence_score":0.086413205},{"intent":"Plan retirement earlier","confidence_score":0.0021386328},{"intent":"Plan retirement","confidence_score":0.25202224}]},{"text":"And the only thing I'll ask is probably we'll make it to make the appointment maybe early June.","start_word":3951,"end_word":3968,"intents":[{"intent":"Make appointment","confidence_score":0.24673761}]},{"text":"Well, any questions for me before I let you go? No. No. That's it. Thank you. Awesome. Again, keep an eye out for that notice of intent to claim confirmation. As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return.","start_word":4090,"end_word":4144,"intents":[{"intent":"Inquire about benefits","confidence_score":0.00044872283}]},{"text":"Again, keep an eye out for that notice of intent to claim confirmation. As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return.","start_word":4107,"end_word":4144,"intents":[{"intent":"Confirm claim confirmation","confidence_score":0.044583317}]},{"text":"So do you need I will need to just hand that over to my accountant because I will send you one as well, won't they? Yeah.","start_word":4149,"end_word":4174,"intents":[{"intent":"Send confirmation to accountant","confidence_score":0.19318745}]}]},"sentiments":{"segments":[{"text":"Hi. Tommy, is Hey, Belinda. It is Tommy again. How are you going? it? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.10076199471950532},{"text":"Good. Thank you. Great to hear. Great to hear.","start_word":15,"end_word":23,"sentiment":"positive","sentiment_score":0.6249746680259705},{"text":"Have you got a bit of time now? Is now a good time for you? Yes. I have.","start_word":24,"end_word":41,"sentiment":"neutral","sentiment_score":0.2367699444293976},{"text":"Fantastic. So I'm gonna pop through to your email address, this annual review pack.","start_word":42,"end_word":55,"sentiment":"positive","sentiment_score":0.3668629825115204},{"text":"And Yep. while I do that, I just wanted to confirm if you remember your client password for security. Lou. That's the one.","start_word":56,"end_word":78,"sentiment":"neutral","sentiment_score":0.13689059019088745},{"text":"Thank you so much for that.","start_word":79,"end_word":84,"sentiment":"positive","sentiment_score":0.6369558572769165},{"text":"Do you want me to put down any password prompt as a reminder in case you forget down the line, or is this one just kind of so No. simple It that should you'll be okay. never forget? Yeah. It should be okay.","start_word":85,"end_word":127,"sentiment":"neutral","sentiment_score":0.0953812301158905},{"text":"Perfect. Perfect.","start_word":128,"end_word":129,"sentiment":"positive","sentiment_score":0.4707806706428528},{"text":"Now just to let you know, as always, calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. No worries. Now, Okay. Belinda, So I've got that should your come email. through yep. Yep. I've got it. There should be a couple of attachments at the bottom, kind of like a Mhmm. normal email with PDFs. Yep. And then when you hit the sign button, it brings up the annual review pack for us to go over together just so we Okay. can have So a I scroll just, through, yep, make sure so you're you want comfortable. me to go to this you want me to go down to the three attachments? If you go through to the three attachments, I just want you to quickly look at that super and insurance summary first. Oh, yep. There it is, the second one. Yep. Yep. So this is basically what I'm focusing on for the review. I do have the notes about your contributions, but it's basically Mhmm. just this is where your hub's sitting at currently, and this is that Yep. attached insurances that are left over after the Mhmm. income protection got canceled. So that's my focus. Is there anything in particular that you would like to get out of today's review, Belinda? No. I think, yeah, I think it's sort of on on track. I'll still sort of keep it where it is at the moment in that that's what's the high risk, whatever you call it. It's yeah.","start_word":130,"end_word":387,"sentiment":"neutral","sentiment_score":0.02907676196317802},{"text":"I think I'm still happy for it to be there.","start_word":388,"end_word":397,"sentiment":"positive","sentiment_score":0.6029929518699646},{"text":"And, yeah, hopefully, yeah, things will start bouncing back a bit better, a little bit Yeah. more. Absolutely. Bit of a high growth approach still okay for you. Yeah. Yeah. It is. Now just with the the life and the TPT, is there somewhere on my policy that states that the beneficiaries are? I'm pretty sure it is, but I always like to ask. Yes. Yeah. So Mhmm. when you have the attached group cover, it combines with the one nomination for both the super and the life insurance with the same fund. So Yep. you've got the two kids split fifty fifty, Bella and Daniel. Yep. They're the Mhmm. beneficiaries for both the super and the life insurance.","start_word":398,"end_word":516,"sentiment":"neutral","sentiment_score":0.09667313098907472},{"text":"Beautiful.","start_word":517,"end_word":517,"sentiment":"positive","sentiment_score":0.3647392094135285},{"text":"No worries. Cool. And is that still current for you? That's okay? Well, probably the life insurance because if any happens to me, I'll say I'm not gonna be able to use it. But the TCP, that's probably more so it should be my name because everything happens to me. I need to access that, don't I? Yeah. That's exactly right. So there's only beneficiaries for life insurance and super. The TBD, you are the life insured. So Beautiful. if No. something That's happens good. to Yeah. you, you're the one No. That's I just who wasn't I wasn't a 100% sure. I thought, gets yeah, I just wanted to check and make paid. sure that I'm on the same page. That's good.","start_word":518,"end_word":640,"sentiment":"neutral","sentiment_score":0.01291073951870203},{"text":"Oh, fantastic. Fantastic question.","start_word":641,"end_word":644,"sentiment":"positive","sentiment_score":0.4506227970123291},{"text":"And I just wanted to touch base with you quickly on those contributions that you made for end of financial year. Mhmm. Yep.","start_word":645,"end_word":667,"sentiment":"neutral","sentiment_score":0.2797866761684418},{"text":"So that's all come through all all good.","start_word":668,"end_word":675,"sentiment":"positive","sentiment_score":0.4471697211265564},{"text":"We're just waiting for Hub to give us the confirmation letter that they've processed it with the ATO. So Yep. that's usually like it'll probably be there, like, tomorrow. So as long as you don't accidentally submit your tax return tomorrow on the July 1 before that comes through, you should be okay. Not that No. many people are ready to hit the button tomorrow morning, but I'm pretty sure they just done last year's tax, so who my accountant is. yeah. So a bit of time left over. That'll come through very, very soon. And Yep. that's claimed both the 10,000 and the regular 500 that you've been doing. Yes. No worries.","start_word":676,"end_word":788,"sentiment":"neutral","sentiment_score":0.1146959283314975},{"text":"Perfect.","start_word":789,"end_word":789,"sentiment":"positive","sentiment_score":0.40138792991638184},{"text":"And that Now has hasn't changed to how much you can put in yourself per year? yeah. It's Still gone 30 up to thousand? 32 and a half next year. 30,000. Yep. Okay. Okay. Yep. So I just wanted to note down four, like, updated projections in your file. Do you want me to leave it as the 500 regular still and then potential Yep. end Yep. of financial year lump sums? Yes. Yep. Perfect. Yep. There's one thing I wanted to just flag with you for the super. Can you have a look at that other attachment there? It's got the IRR performance. Yes. And just when you get that open, it should be a really big table full of 50,000,000 Yep. figures on it. Mhmm. Perfect. So first page is all the individual investment options we've built your portfolio out of, and the second page is the portfolio as a whole when it all is said and done. Mhmm. So Yep. the only thing I wanna point out here is that even though high growth is still good for you, all seven, eight options have been doing fantastic except for that one at the top, which is that Benelon option, which has kind of dragged its feet quite a bit. Yes. Overall, on page two on the very right hand side, you can see that you still cleared a 10% return after fees. So pretty Yep. much Because bang on I'm the not benchmark for high yep. growth. Yep. Nine foot nine four. So yeah.","start_word":790,"end_word":1046,"sentiment":"neutral","sentiment_score":0.03267597779631615},{"text":"That's great.","start_word":1047,"end_word":1048,"sentiment":"positive","sentiment_score":0.5266653895378113},{"text":"Yeah. Yep.","start_word":1049,"end_word":1050,"sentiment":"neutral","sentiment_score":0.2614375650882721},{"text":"Happy So with that.","start_word":1051,"end_word":1054,"sentiment":"positive","sentiment_score":0.4496185779571533},{"text":"I'm gonna keep an eye on that Benelon option. And if next time I speak to you, it hasn't picked up its feet, I'm probably gonna just look for a replacement option and do a bit of an engine tune up. Yep. No worries. Because there's two Yep. there, isn't there? Better Bank and Better Global. Wait. Sorry. Are Can they you the say three? that again? Oh, sorry. Which which one were you looking at? Sorry. Oh, even above there. So I'll beta bank and beta global, the one above that where it's got managed above funds that. been along Yes. There it is. Yep. Yes. Got it. That's Yep. the one. If you look at the very right hand side, it's got performance in brackets, which means that one's going down, whereas everything Yep. below it has gone up. Got it. No. That's alright. Yep. Yep. Now I've got it.","start_word":1055,"end_word":1206,"sentiment":"neutral","sentiment_score":0.015146073885262012},{"text":"Cool.","start_word":1207,"end_word":1207,"sentiment":"positive","sentiment_score":0.3543015718460083},{"text":"So I'm gonna put a flag on that one. And, again, if that doesn't kind of come back to the pack a little bit, next time we speak, we're gonna update that one.","start_word":1208,"end_word":1240,"sentiment":"neutral","sentiment_score":0.10562252998352052},{"text":"Yep. Fantastic. Cool.","start_word":1241,"end_word":1243,"sentiment":"positive","sentiment_score":0.5332642793655396},{"text":"So outside of that, I did wanna ask you, with the life and TPD, it sounds like you still value keeping it there. There was a note that you might, you know, get rid of it after a period of time or a year or two. Do you want me to just kind of leave it as is for now? I think so. Yeah. It's just that little bit of extra security there, then it's not really costing me a it shall have a lot at that at this moment. So and it's Yeah. just It's a like little 40 bit extra five security. a month. You get a 15% rebate off of that. Yep. Not too bad.","start_word":1244,"end_word":1361,"sentiment":"neutral","sentiment_score":0.101838581264019},{"text":"And you're in a really good asset position in terms of your I know you updated everything pretty well with Michelle, but last time we checked, you had the home, the the Airbnb business, the caravan, the vehicle, the term deposits, and everything. So Yes. it looks like you're getting very close and comfortable to the point.","start_word":1362,"end_word":1418,"sentiment":"positive","sentiment_score":0.4659246802330017},{"text":"I did Mhmm. wanna ask you two questions. So because you have a lot of assets and your super is building up and and you're catching it up, how long are you expecting to be contributing and working to the super before you wanna start accessing it and just hanging up the boots? Well, that was gonna be another question that I was gonna sort of bring up today with you as well because I will have to sort of sit down and really work out with the assets that I have got. Will I be able to access any sort of benefits, like, as in the pension coming down the track? But that's not gonna be until another eight years because Yep. it's '60 was it '60? '67. Sixty '7. Yeah. Yeah. So I can't really access the pension to them, but and I I don't know with the super. It'll come down to yeah. When I don't know. What am I now? 58, 59 this year. I've made another probably three years, and I might seriously think about start selling the the investment property. Yep. And if I did that, well, I'd have money that I could probably I I could only put so much of that into the CP in a one month sum. Yeah. So, yeah, probably in three years' time, I'll be, yeah, thinking about it. Cool. So what one thing we can do then is let's say in three years' time, there is a property sale. We would basically look back the last five financial years and see how much you've got contribution caps to carry forward to kind of cap you off just before retirement. And in a lot of people's circumstances, when super is their main asset, we've reduced their risk level down so that you don't have the stock market crashing. They've got a million dollars, and next thing you know, they've got 400, and Yeah. they Yeah. can't Yeah. Yeah. afford to live. But you've got most of your assets held personally Mhmm. and through business. So I just wanna reflect that, normally, I would be reducing your risk level down. But if you wanna keep Yeah. that growing for a few more years and it's not your main source of retirement, I'm okay with that if you are. Yeah. I always sort of said that I'll keep it at that high growth until until about over 60. Yep. And then I was gonna look at it after that, which we can still do that. And then we'll assess it again and see how everything's tracking with me.","start_word":1419,"end_word":1856,"sentiment":"neutral","sentiment_score":0.05002947685789299},{"text":"And at this stage, I'm still fit healthy, and and and I can still run the business.","start_word":1857,"end_word":1873,"sentiment":"positive","sentiment_score":0.3614189922809601},{"text":"So we'll just sort Yeah. of keep it at this high growth until I turn 60. And then then after that, I will see how I go, and I might even still keep it into the high growth until I'm about 63. And that's when I'll start thinking about selling the like, selling the the business. Yep.","start_word":1874,"end_word":1930,"sentiment":"neutral","sentiment_score":0.14501908421516418},{"text":"Perfect.","start_word":1931,"end_word":1931,"sentiment":"positive","sentiment_score":0.5053884983062744},{"text":"So just as a bit of a reminder, the the high growth risk profile, usually, it's recommended to have at least a decade to invest into those types of risk levels unless you've got significant assets, which you do. And, basically, what I would do is when you get to your next review, we would talk through transition to retirement strategies for when you hit 60 and whether that's, you know, pull a bit of money out of super and put it back in again for that tax deductible Yep. contribution. And there's just a few extra things that we can do to boost it up in those last few years as well. So I'm gonna kind of just stagger it out a little bit in terms of the strategies that we're gonna revisit. Yes. No. That'd be great.","start_word":1932,"end_word":2070,"sentiment":"neutral","sentiment_score":0.15393096208572388},{"text":"Yep. Perfect.","start_word":2071,"end_word":2072,"sentiment":"positive","sentiment_score":0.413663774728775},{"text":"Outside of that, goals wise, so obviously, you've got the focus on the next few years. You've been building up your savings, con contributing to super.","start_word":2073,"end_word":2098,"sentiment":"neutral","sentiment_score":0.246083507171044},{"text":"There's the ideal retirement, let's say, around the 67 mark, combined assets.","start_word":2099,"end_word":2110,"sentiment":"positive","sentiment_score":0.45197850465774536},{"text":"Anything else that you're focusing on for the next one to three years? No. Not really. No. Just I've got some money that was in a term deposit, which I'm gonna take out, and that's gonna be used to do some renovations on Yep. the house. And then, like, this basic renovations, but once they're done, I shouldn't have to spend any more money on the house another ten years, so to speak.","start_word":2111,"end_word":2183,"sentiment":"neutral","sentiment_score":0.01693256013095379},{"text":"Perfect.","start_word":2184,"end_word":2184,"sentiment":"positive","sentiment_score":0.3680408000946045},{"text":"You know, So once for the term yeah. deposits, We I think you had a 150 and one and 40 in the other. Do you know roughly what they're sitting at now? I've just reinvested one. Let me just jump into that straight Thank away. you.","start_word":2185,"end_word":2230,"sentiment":"neutral","sentiment_score":0.07684863358736038},{"text":"Appreciate that.","start_word":2231,"end_word":2232,"sentiment":"positive","sentiment_score":0.4581264555454254},{"text":"So I've got $1.60 in term deposit at the moment. $1.60. Yep. And the other one, I haven't put into term deposit because I actually went to see my bank manager to sort of touch base with him to work out where things were sitting with them, loan taking out a loan. And I just thought I said, would it be better, official for me to take out a loan, keep my money in the bank, or use the money in my bank instead of taking out a loan to do these renovations? And we went through it and and had a bit of a good look at it, and then he sort of said I'll be probably be be more beneficial for me to use the money in the bank with the interest rates and all the rest of it. Yep. So So it's just yeah. in high interest savings at the moment. It is. Yeah. Yep. Yep. So and K. there's Would that a be 100 in that one. A 100 and that one. Thank you. Alright. So I updated those two. Look. Savings rates are really good at the moment. I can I know most of the banks are hitting that 5% or above? Yeah. Yep. It's I reckon not I saw I got really with one of mine. The term deposit was $5.5.5, I think it was. Yeah. Who are you So with? yeah. That was Bank SA. Oh, yeah.","start_word":2233,"end_word":2476,"sentiment":"neutral","sentiment_score":0.041844777152186534},{"text":"Okay. They're pretty good for it.","start_word":2477,"end_word":2482,"sentiment":"positive","sentiment_score":0.6094980239868164},{"text":"Yeah. Look. A lot of people asked me five, ten years ago what you know, how to get higher interest and invest money because the banks were paying zero to 2% at the time. But, realistically, if you're getting five and a half and the stock market's not really looking like it's gonna get anything between seven and nine as an average, there's really no point taking on risk and looking at other types of investments, I think, at this Yeah. point, especially if you need to access the funds and you prefer to keep it safe and growing. So I just wanted to ask the question if you wanted investment advice or were you happy to leave it in those two structures? I think at this stage, I'm happy just to leave it where and as I said, Yeah. because there's renovations that I wanna do, they're not gonna cost me a lot. But, yeah, there's a little bit of work. I live next to the river, so there's a little bit of work that needs to be done down the bottom, and that can always you just never know what else did I find down there. So, you know, I might end up spending, you know, $50,000 on the renovations in it that I wanna get done across So whatever it's they've anywhere sort of between find up. 10 and 50. Yeah. Yeah. Yeah. So I just yeah. It depends on how far I can go and and do what I can get to do the jobs. So Yeah. but yeah. But no. Alright. That'd be good.","start_word":2483,"end_word":2751,"sentiment":"neutral","sentiment_score":0.033745668828487396},{"text":"I'll I'll and I'm happy to sort of keep that like that.","start_word":2752,"end_word":2763,"sentiment":"positive","sentiment_score":0.3565067648887634},{"text":"So that way, I've got that cash sitting there if I need to access it without going too much trouble to get money out. That's what I'm thinking. It gives you that you're almost creating your own bucket strategy five years ahead of time where you've got here's this much in cash. This is in some fixed interest locked away term deposit. Then you've got the super and the investment property as your more longer term growth assets, and you kind of split it into the three. You've got something for twelve months, something for one to three years, and something for everything after that and longer term.","start_word":2764,"end_word":2871,"sentiment":"neutral","sentiment_score":0.16514455099348668},{"text":"So just rebuilding this bucket strategy is gonna be the best for you, especially by the time you do hit Yep.","start_word":2872,"end_word":2892,"sentiment":"positive","sentiment_score":0.3468095362186432},{"text":"67.","start_word":2893,"end_word":2893,"sentiment":"neutral","sentiment_score":0.2413077801465988},{"text":"Preempting it's a great idea.","start_word":2894,"end_word":2898,"sentiment":"positive","sentiment_score":0.6319138407707214},{"text":"Yep. Yep. Okay. Yep. No worries. Cool. So outside of that, we're basically gonna come back to a few step approach. 60, we'll look at TTRs. 63, we'll look at property. 67, we'll look at pension and Centrelink and and full retirement. Yep. Outside of that, the only other question I had was just around estate planning. Because your beneficiary's in place, did you have the will in place enough to date? I have got the wheel. Has been done probably three years ago. Yep. Yeah. So I do have a grandchild at this which is probably the only difference at this stage. So, yeah, I would like to probably have them give that another twelve months and probably look at just, yeah, working out what I have got mobile and and all the change in it or yeah. Just keeping up to date and just review it every couple of years. Yeah. Sensational. Do you remember if you put in place, like, a power of attorney No. when you I did haven't the? done any of those yet. No. Will? Okay. So that's probably one I would remind you to tick off on, especially if you update the will next year is Yep. just having that trusted person who can talk to the doctors, access the bank accounts, keep things getting paid and moving for you if you're Yep. in a coma or something. Yeah. Yeah. Yeah. Yeah. And there's a health one too, isn't there? Like, I'm sorry. The power of attorney is probably not on his bill. Yeah. So in Queensland, it's both combined. I'm gonna quickly check for South Australia. Does South Australia split medical and financial power of attorney? Because alright. I'll I'll double check the states there, but sometimes you can do one that covers both for the state, but it is dependent on state law whether you have Yep. to have the medical or financial or both. But it's Okay. worth Yep. just you know, you look at the trustee website online for South Australia.","start_word":2899,"end_word":3240,"sentiment":"neutral","sentiment_score":0.0658448790336213},{"text":"And if you bear with me for a moment, I can figure that out for you. Thanks.","start_word":3241,"end_word":3257,"sentiment":"positive","sentiment_score":0.3776625096797943},{"text":"Just while I'm doing that, I just wanna let you know what's come through in that email pack that you're going through currently just while I get this information. We update our financial services guide every year, so licensing information and things like that. Yes. Yep. In addition to that, we're going to be updating our fee structure next year to incorporate a tiered fee structure. So what No. Okay. normally happens with us is you've got that 1.65%. And once you hit a cap level of 600,000, it kind of flatlines. But what we're doing next year is when you're above 200,000, we're gonna start stepping people down with fee discounts for every couple of Oh, 100 okay. thousand after that. Yep. Okay? Yep. So it'll give you some benefit when you hit that level, which you're you'll be getting close to with your contribution. So whether it's twelve, twenty four months, Yeah. you will probably start to benefit to that as we transition you into those pension strategies I was talking about. Yeah. So probably not be next year because what I got my sleep is $1.20. Even if I add another 30, it's starting around fifteen ten Yeah. percent on top of that. Max Yeah. growth So on the the probably 20 30, so 24 yeah. month monthly. Yep. Here it is. So I did remember this. The South Australia has an enduring power of attorney for financial and legal, and for health, it's an advanced care directive. Okay. Advanced. Yeah. Okay. Yep. So the power of attorney and medical sort of all in one, and then your no. Advanced Care. Sorry. Yep. Okay. Yeah. So if they Enjoy. split it, financial and legal is enduring power of attorney. Advanced care directive is the who can talk to the doctors and medical treatment, accommodation, aged care, all that kind of thing. Yeah.","start_word":3258,"end_word":3572,"sentiment":"neutral","sentiment_score":0.057939154725699195},{"text":"Yep. Cool. I'll look into that and get them done as well. Perfect. I'll make a few notes on file.","start_word":3573,"end_word":3592,"sentiment":"positive","sentiment_score":0.5074173212051392},{"text":"So if you ever call up and ask any questions about it, the team can see that in your state, it's kind of like will power of attorney events care directive. And that way, Yep. I've just attached that note to your profile. No. I'm on this. Alright. Outside of that, Belinda, any questions for me so far? No. It's all good, I think. K. Are you still paying yourself about 45 in terms of the wages from the business? Yeah. Roughly. It depends on the Yep. yeah. It depends on the year. Yep. Yep.","start_word":3593,"end_word":3687,"sentiment":"neutral","sentiment_score":0.10657442361116408},{"text":"Easy done. That's pretty much it.","start_word":3688,"end_word":3693,"sentiment":"positive","sentiment_score":0.401639461517334},{"text":"So I'll leave that annual review pack with you if you're comfortable with everything as it is. I've put a few flags in there to look at that investment next time we speak, look at Yep. some other contribution and pension strategies after that.","start_word":3694,"end_word":3737,"sentiment":"neutral","sentiment_score":0.26484501361846924},{"text":"Property at 63, retirement at 67, and Centrelink, and keep the insurances going, update the estate plan, and it should be good to go.","start_word":3738,"end_word":3761,"sentiment":"positive","sentiment_score":0.3841125965118408},{"text":"Oh, and the renovations. Yep. Yep. That no worries. Yeah. I was I'm not quite sure what it is with the with the pension, and and so I've still got eight years to worry about that. So I'm not gonna worry too much about that until, yeah, that happens. And I think I should be okay. If if I decide to retire a little bit earlier, I can, yeah, probably manage. So it should be okay. But now And that'd be if good you if get the next time next time we speak, we can then be a touch base then again. yeah. And would you prefer that to be just a usual twelve month review? Would you want me to pencil something in a little bit earlier? Twelve months would be fine. Cool. When you get a bit closer to that pension age, we're pretty much gonna be doing, like, a a revolving analysis to see how you're looking Centrelink wise, what you can and can't access. And if there is Yep. a few strategies to shuffle things around, I'll go through that with you as well. Yep. And the only thing I'll ask is probably we'll make it to make the appointment maybe early June. So that way, if I can transfer money over before the end of financial year, we can work out how much if I decide to Yeah. do more. I mean, I know I can always bring up and ask like I did this year to work out how much I can do. But yeah. So that maybe the beginning of June. Yeah. No.","start_word":3762,"end_word":4031,"sentiment":"neutral","sentiment_score":0.06968886416267465},{"text":"That's amazing. What I'll do is I'll put in a reminder for the team towards the end of May just to start reaching out to book something in. And then Fantastic. that way, we've got enough time to find a time to speak, go through the ideas and strategies and advice together. Yep. Beautiful. That sounds great. Amazing.","start_word":4032,"end_word":4089,"sentiment":"positive","sentiment_score":0.45998966693878174},{"text":"Well, any questions for me before I let you go? No. No. That's it.","start_word":4090,"end_word":4103,"sentiment":"neutral","sentiment_score":0.031136304140090942},{"text":"Thank you. Awesome.","start_word":4104,"end_word":4106,"sentiment":"positive","sentiment_score":0.39813777804374695},{"text":"Again, keep an eye out for that notice of intent to claim confirmation. As soon as we get that, Michelle will let you know, but you should be good when you do end up doing that tax return. Yeah. Yeah. No worries. So do you need I will need to just hand that over to my accountant because I will send you one as well, won't they? Yeah. That's right. So that confirmation Yep. basically says, here's what went in. Here's what is getting claimed. And that information, Yep. they can just feed directly into the return and say, okay. It's the 10 and the six or fifteen, sixteen, and they can just Yep. plug that in as they do the tax return. So it's the handiest thing to bring with you. It's like a one pager. Yep. No worries at all. I'll look keep an eye out for it. I haven't received anything as today. So but yeah. No. No. All good.","start_word":4107,"end_word":4269,"sentiment":"neutral","sentiment_score":0.08645790093149876},{"text":"Awesome. Well, now look, thank you so much for taking the time.","start_word":4270,"end_word":4281,"sentiment":"positive","sentiment_score":0.5885316729545593},{"text":"I've put a bit of a reminder in to check that tomorrow. But if you need anything else in between, just give us a call.","start_word":4282,"end_word":4306,"sentiment":"neutral","sentiment_score":0.2096906006336212},{"text":"Excellent. Thank you very much, Tommy. You have a great day. You too, brother. Thank you so much. Bye.","start_word":4307,"end_word":4325,"sentiment":"positive","sentiment_score":0.7598602175712585},{"text":"Bye.","start_word":4326,"end_word":4326,"sentiment":"neutral","sentiment_score":0.2646743953227997}],"average":{"sentiment":"neutral","sentiment_score":0.1049210368260624}}}}